INSURANCE CARRIER
Auto-Owners Commercial Insurance
Auto-Owners writes commercial business owners policy, workers compensation, commercial auto, and farm coverage through independent agents in 26 states including Georgia. Conservative underwriting with dedicated claims service.
Commercial Lines - Georgia
- File a claim 888-252-4626 · 24/7 phone (Auto-Owners direct)
- Online Account & claims portal
- After hoursFor claims, call 888-252-4626 directly.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Auto-Owners Insurance Group, headquartered in Lansing, Michigan, writes commercial property, general liability, business owners policy, workers compensation, commercial auto, commercial umbrella, and farm coverage through independent agents in 26 states. Their commercial appetite focuses on small to mid-market accounts in standard preferred classes, with particular strength in main street retail, professional services, light contracting, light manufacturing, and small farm operations. Auto-Owners writes through independent agents with a conservative-growth model and dedicated commercial claims handling.
Strengths
What This Carrier Does Well
Strong small to mid-market commercial appetite with conservative underwriting and multi-year account retention
Dedicated commercial claims handling across small commercial and mid-market segments
Particular strength in main street retail, professional services, light contracting, and small farm operations
Limitations to Know
Where They Fall Short
Limited appetite for larger commercial accounts above $10M revenue (Zurich, AIG Commercial, Travelers Commercial mid-market lift)
Independent-agent-only distribution means carrier-specific agent placement required for direct binding
Less aggressive on first-year pricing compared to volume-focused commercial carriers
Right Fit
Who They Are Best For
Best Fit For
Small to mid-market commercial businesses ($100K to $10M revenue) in standard preferred classes including main street retail, professional services, light contracting, light manufacturing, restaurants (selective), and small farm operations. Auto-Owners fits accounts with clean loss history and conservative growth profiles. These businesses typically benefit from a coverage review to align their business owners policy with their specific risk profile.
Not a Good Fit For
Larger commercial accounts above $10M revenue, specialty or surplus lines risks, businesses outside Auto-Owners' 26-state footprint, technology and life sciences specialty, and non-standard commercial risks.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines - Georgia
- Coverage Types
- Business owners policy, commercial property, commercial general liability, workers compensation, commercial auto, commercial umbrella, farm and ranch, inland marine, equipment breakdown
- States Available
- 26 states including GA
- Max Business Revenue
- Refer to carrier overview for appetite
- Industry Classes
- Refer to carrier overview for industry positioning.
Pricing & Claims
What to Expect
Best Pricing For
Small to mid-market commercial accounts ($100K to $10M revenue) in standard preferred classes with clean loss history. Auto-Owners often wins on multi-year retention pricing rather than aggressive first-year competition.
Pricing Context
Auto-Owners Commercial pricing sits in the standard preferred mid-market range. For Olive Cover commercial customers in this segment, Hanover Commercial, The Hartford Commercial, and Travelers Commercial are the closest comparable options we quote.
Claims Experience
Auto-Owners handles commercial claims across both small commercial and mid-market segments with an admitted carrier approach to claims processing.
Admitted Status: Admitted in Georgia for all commercial lines.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.