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Encompass Insurance Company

Encompass Insurance Company is a major provider of and , specializing in , homeowners, , and umbrella policies designed for individuals and families. As a and of Corporation, it emphasizes bundled coverage options like the EncompassOne® Package Policy, which combines multiple protections into a single, customizable plan for simplified management and enhanced value. The company distributes its products exclusively through a of over 2,600 independent agents across the , focusing on superior and innovative solutions to meet diverse personal needs. The company's legacy dates back to 1897, when its predecessor began offering personal insurance products with a commitment to "Protection and Security." Originally part of Corporation's personal lines business, it underwent a in the to become Encompass Insurance Company. In 1999, Corporation acquired CNA's personal lines assets and liabilities, formally integrating and relaunching the Encompass brand in 2000 as a key component of Allstate's property-casualty portfolio. This acquisition enabled Encompass to leverage Allstate's resources while maintaining its focus on agent-driven distribution and tailored coverage. Headquartered in , Encompass operates nationwide and benefits from strong financial stability, reflected in high ratings from independent agencies such as A.M. Best (A+ Superior) for its ability to meet policyholder obligations. The company prioritizes customer-centric features, including high policy limits, additional protections not always standard in the industry, and tools like the MyEncompass online portal for policy management and claims reporting. Over its history, Encompass has evolved to address modern risks, such as those related to home-based businesses and personal assets, while upholding a tradition of reliability and agent partnership.

Company Overview

Founding and Ownership

The origins of Encompass Insurance Company trace back to 1897, when it began operations as a provider of insurance policies, emphasizing the core promise of "Protection and Security" to its customers. This early focus on bundled personal lines laid the foundation for the company's approach to comprehensive coverage, evolving from its initial offerings in property and . In 1999, acquired the personal lines insurance business from , which was transitioning its focus toward commercial insurance, and introduced the Encompass brand. The rebranding of Personal Insurance to Encompass Insurance was completed in 2000, integrating the acquired operations under the new name while preserving its independent identity for personal insurance products. Today, Encompass operates as a wholly-owned of Corporation, maintaining autonomy in and distributing personal lines through independent agents across 40 states. Its headquarters are located in Northfield Township, , near Northbrook.

Operations and Market Presence

Encompass Insurance Company operates exclusively through a network of more than 2,600 independent agents across the as of 2025, enabling the distribution of its and products. This agent-centric model allows for tailored solutions, where independent agents provide customized coverage options to meet individual client needs, distinguishing Encompass from insurers. The company maintains a significant market presence in 40 U.S. states, concentrating on personal lines such as auto, homeowners, and related coverages without extending into commercial or segments. As a of Corporation, Encompass leverages this geographic footprint to serve policyholders, emphasizing regional adaptability through its agent partnerships. Encompass employs approximately 500 to 1,000 staff members as of 2025, supporting its operational infrastructure while relying heavily on the for and . This lean structure facilitates efficient backend processes, including claims handling and policy administration, without direct operations. Following Allstate's 2021 acquisition of National General Holdings Corp., Encompass has integrated certain backend technologies and services from National General, improving operational efficiencies in areas like claims processing and while preserving its core focus on personal lines . This integration has not altered the company's exclusive independent distribution model or product offerings.

Historical Development

Origins to Mid-20th Century

The origins of what would become Encompass Insurance Company trace back to 1897, when Continental Assurance Company of North America was established in , with a focus on accident and , marking an early entry into personal lines coverage. Renamed Continental Casualty Company in 1900 following mergers with other small insurers, the entity began emphasizing property and casualty lines, including disability and liability protections, under the guiding motto of "Protection and Security." This foundational period positioned it as a pioneer in affordable personal , with initial of $100,000 and rapid expansion into monthly policies by 1902. Through the early , the company developed as a regional insurer, primarily operating in the Midwest and expanding nationwide to 41 states and territories by , while building ties to what would later form Financial's personal lines business. Key innovations included the launch of through a in and entry into and miscellaneous casualty lines like and in , broadening its personal insurance offerings amid growing U.S. demand for individual risk protection. Assets grew steadily from $5.8 million in 1919 to $33.4 million by 1928, reflecting its evolution from a niche provider to a more established regional player under various predecessor entities. Post-World War II, the insurer experienced significant growth in personal insurance amid the broader U.S. market expansion, with in force surging from $420 million in 1942 to $2 billion by 1952, driven by economic prosperity and rising automobile ownership. Premiums increased from $14.6 million in 1927 to $31.7 million by 1943, supporting diversification into auto liability through a 1929 partnership with National Fire Insurance Company and personal property coverage via the 1938 establishment of Transportation Insurance Company. By , these developments enabled the provision of bundled home and auto policies, setting a precedent for integrated personal lines packaging that influenced later industry standards.

Acquisition and Rebranding

In 1999, Insurance Company acquired the personal lines insurance business from Corporation for approximately $1.2 billion, integrating it into 's portfolio to expand its presence in the independent agent channel. The transaction, completed in October 1999, transferred a book of business that generated about $1.7 billion in premiums in 1998, adding 3,800 independent agents and boosting 's annual premium revenue in the independent agent market to $3 billion. This acquisition allowed to strengthen its personal insurance segment by leveraging 's established operations while retaining all 2,000 employees from the unit. Following the acquisition, the business underwent a in 2000 to Encompass Insurance Company, introducing the EncompassOne® package policy as a cornerstone of its offerings. This bundled policy concept, which combines auto, home, and other personal coverages into customizable tiers, drew from the company's historical roots dating back to 1897, when its predecessor began providing personal insurance under a promise of " and Security." The rebranding emphasized a commitment to comprehensive , positioning Encompass as a distinct brand within focused on independent agents. Post-acquisition changes included a deliberate shift to an exclusive independent distribution model, diverging from Allstate's captive approach, and an of bundled product offerings to enhance customer value. Encompass pledged to sell policies solely through independent s, fostering a network that grew to support broader market reach. These adjustments helped stabilize and grow the segment, with Encompass generating around $1 billion in annual revenue by the early , contributing significantly to Allstate's personal lines growth.

Post-2000 Expansion and Recent Events

Following the in 2000, Encompass Insurance expanded its distribution through an independent agent network, which grew significantly in the early 2000s as integrated its agency brands, including Encompass, Deerbrook, and Business Insurance, under centralized marketing and sales management. By the mid-, the network had reached over 6,500 locations across 42 states, reflecting robust growth in personal lines coverage. However, following operational integrations in the late 2010s and early , the network stabilized at more than 2,600 independent agents by 2025, maintaining a strong presence in 39 states while focusing on efficiency. Encompass engaged in high-profile sponsorships to enhance brand visibility, notably as the title sponsor of the Encompass Championship, a Champions Tour golf tournament held annually from 2013 to 2015 at North Shore Country Club in . The event concluded in 2015, marking Encompass's exit from Champions Tour sponsorship. In conjunction with the tournament, Encompass supported youth-focused charities, selecting organizations such as the Juvenile Diabetes Research Foundation (Illinois chapter), of , The First Tee of Greater , and Chicago Youth Programs as beneficiaries, with proceeds directed toward youth development initiatives. A pivotal development occurred in January 2021 when completed its $4 billion acquisition of National General Holdings Corp., integrating Encompass's independent agency operations into National General to bolster distribution capabilities. This integration enhanced Encompass's digital platforms and claims processing through National General's technology infrastructure, improving agent-facing tools and operational efficiency without merging product lines directly. The move expanded access to personal lines insurance in the channel, contributing to 's overall growth by over one . In 2025, Encompass, via its National General program, received approval from the Department of for a 15% decrease in auto rates, affecting over 1,500 personal auto policies in the state and exemplifying broader market adjustments amid declining accident frequencies. Amid a competitive personal lines landscape, Encompass has continued emphasizing innovation, leveraging post-acquisition technologies for streamlined digital quoting, policy management, and claims handling to support agents and policyholders.

Corporate Governance

Current Leadership

As of 2024, Encompass Insurance Company is led by A. Rendall, who has held the position since 2021 and also serves as Chairman of the Board and for key Encompass subsidiaries. In this role, Rendall oversees personal lines insurance strategies, including auto, home, and bundled policies, while fostering relationships with the network of over 2,600 independent agents through which Encompass products are exclusively distributed. The executive team maintains close ties to Allstate Corporation's broader structure, given Encompass's status as a wholly owned , with Encompass-specific executives handling operations, product development, and financial oversight. For instance, the position transitioned to Toby R. Tomlin in May 2024, but no major changes to senior roles have been reported since Rendall's appointment. Governance of Encompass falls under Allstate's corporate , which emphasizes , strategic growth in personal lines, and with regulatory standards across subsidiaries. This structure ensures alignment with Allstate's overall enterprise objectives while allowing focused oversight for Encompass's independent agency model. The has demonstrated stability through 2024, with continuity in core appointments supporting ongoing operational efficiency.

Historical Presidents

The historical presidents of Encompass Insurance Company, with dedicated roles established post- after its acquisition by in 1999, guided the company's transition from a CNA subsidiary to an integrated personal lines provider focused on independent agents. This leadership era emphasized , , and distribution growth, aligning with broader phases of acquisition and post-2000 . Doug Wendt served as president from 2002 to 2006, leading efforts to align Encompass with Allstate's independent agent network following the acquisition. Under his direction, the company positioned itself as a preferred brand for independent agents, facilitating smoother post-acquisition operations and enhanced distribution capabilities. Wendt's tenure bridged early integration challenges, retiring in early 2006. Cynthia Young succeeded Wendt as president in 2006 and held the role until 2011. During her , Encompass expanded its bundled personal lines offerings, including the EncompassOne policy introduced post-acquisition, to strengthen market presence through independent agencies. Young oversaw operational growth in a competitive landscape, contributing to the company's evolution as a key subsidiary. Tom Ealy became president in September 2011, serving until 2015. His tenure focused on bolstering the agent network, which grew to support distribution in multiple states, including through brand-building initiatives like sponsorships to enhance visibility among independent agents. Ealy's efforts emphasized strategic partnerships and market expansion during a period of sustained post-2000 development. Mark Green was appointed president in late 2015, holding the position briefly into 2016 amid a leadership transition. With over 25 years in , Green managed interim operations during this shift, drawing on his prior experience in dealer services and agency management. Patrick Macellaro took over as president in July 2016, serving until 2021. Bringing more than 20 years of finance and investor relations expertise, Macellaro led during a phase of digital and operational enhancements, supporting the company's adaptation to evolving independent agency demands. His leadership aligned with ongoing expansion efforts post-2000.

Insurance Products

EncompassOne Policy

The EncompassOne® Policy, introduced in 2000 following Allstate's acquisition and of CNA's lines business, represents the company's flagship bundled product designed to provide integrated coverage for homeowners, automobiles, and valuables under a single . This package simplifies by combining multiple protections into one , one , and one renewal date, allowing policyholders to address diverse risks efficiently. The is structured into three tiers to accommodate varying levels of need and risk tolerance: the tier offers basic coverage with standard limits for home replacement, and collision, and limited protection for valuables like jewelry up to $1,500; the Deluxe tier enhances these with 200% property replacement cost, $5,000 coverage for jewelry and furs, water backup protection, and first-accident forgiveness; and the Elite tier provides premium features, including unlimited accident forgiveness, higher limits such as $10,000 for jewelry, $50,000 for homeowners association assessments, and comprehensive add-ons like and electronic equipment coverage. Key features across all tiers include a single that applies holistically rather than per component, multi-policy discounts for bundling, and options for customization to align with individual circumstances, such as adjusting limits for high-value collectibles. EncompassOne covers a broad scope, including homeowners for and personal , auto encompassing , collision, and comprehensive damage, and specialized protection for collectibles and valuables under an structure that extends to additional living expenses and recovery in higher tiers. Exclusively available through a network of over 2,600 agents across 40 states, the policy emphasizes personalized , where agents tailor coverage based on a client's specific assets, , and exposure to potential losses, ensuring a approach rather than standardized options.

Additional Coverages

Encompass Insurance offers a range of additional coverages designed to extend protection beyond the standard home and auto bundling in its EncompassOne policies, addressing specialized risks through optional endorsements or standalone policies. These options provide tailored safeguards for personal assets, emerging lifestyle needs, and unique property types, available for purchase through independent agents. The personal serves as excess coverage, activating after the limits of underlying , , or other policies are exhausted to protect against major claims and lawsuits. It covers scenarios such as bodily injury from at-fault accidents, , for rental properties, and claims like slander or libel, with limits typically starting at $1 million and extending to higher amounts for substantial . For instance, if an limit of $500,000 is surpassed by a $1.25 million judgment, the would cover the remaining $750,000, including defense costs. This coverage can be layered onto EncompassOne policies for seamless integration. Identity theft protection provides up to $20,000 in reimbursement for recovery expenses incurred due to fraud, including lost wages, attorney fees, loan application costs, and notary services. Key features include comprehensive monitoring of credit reports, financial accounts, social media, and dark web activity via Allstate Digital Footprint™, along with 24/7 assistance from privacy advocates for fraud resolution and identity restoration. Family coverage extends to up to four additional members, making it a proactive add-on for policyholders concerned with digital vulnerabilities. Watercraft and recreational vehicle coverages protect boats, RVs, and similar assets, with boat policies offering replacement cost for vessels up to 10 model years old without deductions, plus safeguards for on-board , emergency towing, and for injuries or damage caused to others. RV insurance covers the vehicle itself, interior contents, and provides 24/7 claims support for incidents like accidents or thefts during travel, whether for short trips or extended stays. These can function as standalone policies or endorsements, ensuring mobility without compromising protection. Home business insurance addresses the needs of small operations run from residences, covering losses up to the homeowners limit at home and $15,000 when away (e.g., at airports or hotels), plus liability for client injuries, income interruption for up to one year after a covered loss, and recovery of or electronic data. It also reimburses unauthorized use of checks, cards, or ATMs, filling gaps not addressed in standard homeowners coverage. For high-value collectibles like art, jewelry, or antiques, Encompass provides scheduled endorsements that offer broader protection against , loss, or damage, often with higher limits and worldwide coverage compared to unscheduled items. As of 2025, the endorsement represents an enhanced add-on for emerging risks tied to modern living, extending personal liability and property coverage for situations such as losses up to $10,000 for items in extended care facilities, reimbursement of non-refunded tuition from closed , and increased costs for alternative care or due to covered perils. It also doubles medical payment limits for , covers during (if reported within 24 hours), and boosts unscheduled jewelry limits, providing flexible protection for evolving family and hobby-related exposures.

Recognition and Financial Standing

Awards and Achievements

Encompass Insurance Company has received recognition for its contributions to community impact through sponsorships, particularly as the title sponsor of the Encompass Championship, a Champions Tour golf tournament held from 2013 to 2015 at North Shore Country Club in Glenview, Illinois. The event generated significant charitable proceeds, emphasizing youth development and support programs, with partnerships including the Chicago Bears' Bears Care initiative to benefit children in Chicago and Kankakee areas. In 2015, the final year of its sponsorship, Encompass supported the First Tee of , a youth development program by The First Tee that promotes through for children and teens. The tournament's charities focused on youth-serving organizations, such as the Daniel Murphy Scholarship Fund for economically challenged students, Junior Achievement of for education, and for research affecting young people, raising funds to advance these missions. These efforts underscored Encompass's commitment to community , with the 2014 edition alone directing proceeds toward youth-focused initiatives. As of 2025, Encompass has not announced major new industry awards, but independent reviews highlight positive agent satisfaction due to its extensive network of over 2,600 independent agents across 42 states. For instance, Bankrate's 2025 evaluation awarded a 3.7 out of 5 score for home insurance options, praising the company's support for agents in delivering bundled policies. Ongoing praise from agent networks emphasizes Encompass's reliable partnership model and tools for independent brokers.

Financial Ratings and Performance

Encompass Insurance Company maintains strong financial ratings from A.M. Best, reflecting its overall stability and capacity to meet policyholder obligations. The core entities, including Encompass Insurance Company, hold an A+ (Superior) , indicating excellent strength, strong operating performance, favorable business profile, and appropriate . This rating has been affirmed with a stable outlook as of August 27, 2025, underscoring consistent profitability and capital adequacy. Subsidiary companies exhibit varying ratings based on regional operations and risk profiles. Encompass Insurance Company of and Encompass Property and Company of New Jersey are rated A- (Excellent) by A.M. Best, a level maintained since at least 2015 with no significant changes noted in recent assessments, supported by the parent's backing. In contrast, the Florida-based Encompass Floridian Insurance Company and Encompass Floridian Indemnity Company carry a B- (Fair) FSR, reflecting higher exposure to risks in that market but with ongoing stability affirmed in 2025 reports. These ratings collectively highlight Encompass's risk-adjusted financial health, bolstered by Corporation's integration since the 2000 relaunch. The company's annual was approximately $834 million in , down from about $1 billion in prior years since 2016, driven by synergies from Allstate's ownership and expanded personal lines offerings. In , Encompass demonstrated robust and profitability, evidenced by regulatory approvals for decreases, such as a 15% reduction on auto policies through its National General program in select states like . This adjustment, effective late , signals improved margins amid favorable market conditions. Encompass emphasizes prudent , aligning portfolios with conservative strategies to mitigate volatility and support long-term solvency. Overall, Encompass's financial standing remains solid, with high ratings attributable to Allstate's substantial backing, which provides access to diversified resources and support. No major downgrades have occurred following Allstate's 2021 acquisition of General, reinforcing the company's resilience against economic pressures and claims fluctuations as of late 2025.

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