The carriers we work with — and why

AIG

High-net-worth personal lines and complex commercial risk

Founded: 1919 · A.M. Best: A

What AIG is known for

AIG is one of the world's largest insurers. Its Private Client Group writes high-net-worth personal lines. AIG also has a long history of writing specialty and complex commercial risk that most carriers won't touch.

Their Private Client offerings cover luxury homes, collector vehicles, fine art, jewelry, yachts, and other valuables under a single policy. Claims handling is tuned for high-value property, where standard adjusters can be a poor match.

On the commercial side, AIG writes a wide range of lines. The list includes multinational property and casualty programs, executive liability (D&O, E&O), cyber, and surety. They have worldwide claim staff for clients with cross-border operations.

Best fit for

• High-net-worth households with substantial home, auto, and collection values
• Owners of fine art, jewelry, antiques, or valuable collections needing scheduled coverage
• Yacht, watercraft, and aviation insurance
• Complex commercial or specialty risks where standard markets decline

Lines available through Geneva

High-Value Home · Auto · Umbrella · Specialty · Marine · Commercial · Executive Liability

Why Geneva works with AIG

Some clients outgrow the standard market. Examples: a custom-built home, an inherited art collection, a fleet of classic cars. AIG is one of the few carriers we work with that has the underwriting and claims skill to do it right. AIG isn't the cheapest option for most Geneva clients. But they're often the right option, and that's the call we help clients make.

Allstate

Household-name personal lines with strong bundling discounts

Founded: 1931 · A.M. Best: A+

What Allstate is known for

Allstate is one of the largest publicly held personal-lines insurers in the U.S., known for auto, home, and renters coverage with extensive discount programs, multi-policy bundling, and a recognizable national brand. Their Drivewise telematics program offers usage-based savings for safe drivers, and their Claim Satisfaction Guarantee gives policyholders the right to dispute a claim experience.

The carrier writes a wide range of optional coverages — rideshare endorsement, identity theft, mechanical breakdown, sound system, accessory equipment — that let agents tailor a policy beyond the standard package.

Best fit for

• Bundling home and auto for a single household
• Drivers who would benefit from telematics-based discounts
• Customers who value a household-name brand with broad agent presence
• Renters insurance bundled with auto

Lines available through Geneva

Auto · Home · Renters · Condo · Motorcycle · Life · Umbrella

Why Geneva works with Allstate

Allstate works well for the bundled-bundle: a household with two cars, a home, a teenage driver, maybe an umbrella. We bring Allstate into the quote comparison whenever the client profile fits, and we run the numbers against Progressive, Travelers, Liberty Mutual, and Foremost to make sure the discount stack actually beats the alternatives in that specific client's situation.

Berkshire Hathaway

Top-rated financial strength, workers comp and small commercial specialist

Founded: 1970 · A.M. Best: A++

What Berkshire Hathaway is known for

Berkshire Hathaway Homestate Companies (BHHC) is the small-and-mid-market commercial arm of Berkshire Hathaway — Warren Buffett's insurance group. They carry A.M. Best's highest possible financial strength rating (A++).

The carrier focuses on workers' compensation, commercial auto, and small-account commercial property + liability. Their underwriting is centered on industries like construction, manufacturing, transportation, and healthcare services.

Financial strength matters most when a claim takes years to resolve — workers comp settlements, long-tail liability, large property losses. BHHC's capital position means the company will be there to pay decades after a policy was written.

Best fit for

• Small-to-mid commercial workers' compensation
• Commercial auto fleets
• Construction, manufacturing, transportation, and skilled-trade operations
• Businesses prioritizing long-term carrier financial strength

Lines available through Geneva

Workers' Compensation · Commercial Auto · Commercial Property · General Liability

Why Geneva works with Berkshire Hathaway

For small businesses with workers comp exposure — contractors, landscapers, restaurants, healthcare offices — Berkshire Hathaway is often the cleanest combination of rate, service, and financial strength. We use them frequently for clients who want to know their workers comp carrier will still be solvent at the end of a long claim cycle.

Chubb

Premium personal lines and claims handling for affluent households

Founded: 1882 · A.M. Best: A++

What Chubb is known for

Chubb is the world's largest publicly traded property and casualty insurer. It's also the top carrier for high-net-worth personal lines.

Their Masterpiece policy is the industry benchmark for affluent homeowners. It includes guaranteed replacement cost, broad personal property coverage with worldwide scope, and claims handling built around restoring the client's situation — not minimizing the payout.

On the commercial side, Chubb writes professional liability, executive risk, cyber, marine, and specialty programs. Their clients range from mid-market firms to global enterprises. Chubb's A++ financial rating and 140-year history matter most for commercial buyers who care about carrier longevity.

Best fit for

• Affluent households with $1M+ home value or substantial scheduled personal property
• Owners of collector cars, fine art, jewelry, antiques, wine cellars
• Clients who value premium claims service over lowest premium
• Mid-market commercial requiring professional liability, executive risk, or cyber

Lines available through Geneva

High-Value Home · Auto · Umbrella · Specialty · Jewelry & Art · Cyber · Commercial

Why Geneva works with Chubb

When "best claims experience" matters to a client more than "lowest premium," Chubb is usually our pick. We've seen Chubb claims close with policyholders truly happy — rare in this industry. That kind of outcome builds the long-term client relationships Geneva is built around.

CNA

Commercial-focused with deep niche specializations

Founded: 1897 · A.M. Best: A

What CNA is known for

CNA is one of the largest U.S. commercial property and casualty insurers. They've been in business for 125+ years. CNA chose to focus on commercial lines and exited personal lines decades ago.

The carrier writes deep specialty programs for many industries. Examples include construction, healthcare, manufacturing, technology, life sciences, financial institutions, and professional services. Each has its own underwriters who know the specific risk profile.

Professional liability — both Errors & Omissions and Directors & Officers — is a CNA strength. They write E&O for thousands of professional firms in fields like architecture, engineering, accounting, technology, and consulting.

Best fit for

• Mid-market commercial accounts in CNA's focus industries
• Professional services firms needing E&O coverage
• Healthcare practices, technology companies, life-sciences businesses
• Construction operations requiring CGL plus excess plus professional

Lines available through Geneva

Commercial Property · General Liability · Professional Liability (E&O) · D&O · Cyber · Workers' Comp

Why Geneva works with CNA

CNA is who we go to when a small or mid-sized business needs more than a "package policy." Examples: an architect firm with E&O exposure, a healthcare practice with HIPAA-driven cyber risk, a manufacturer with product liability questions. Their underwriters actually understand the work the client does. That means coverage gets built around the real risk, not a generic template.

Foremost

Specialty homeowners — manufactured homes, vacation homes, hard-to-place properties

Founded: 1952 · A.M. Best: A

What Foremost is known for

Foremost (a Farmers Insurance company) is the leading specialty homeowners carrier in the U.S., writing coverage that standard markets routinely decline: manufactured and mobile homes, seasonal and vacation homes, vacant homes, log homes, older homes, homes in higher-risk geographies, and dwellings with prior loss history. Beyond homeowners, Foremost has specialty lines for motorcycles, boats, RVs, ATVs, snowmobiles, and other recreational vehicles.

Their underwriting flexibility comes from purpose-built guidelines for properties that don't fit a standard preferred risk box — they'll cover a 100-year-old farmhouse on five acres with a wood stove and a knob-and-tube remnant that every other carrier will reject in fifteen seconds.

Best fit for

• Manufactured or mobile home owners
• Vacation, seasonal, or secondary home owners
• Owners of older homes (pre-1950, log construction, unusual materials)
• Properties that have been declined or non-renewed by standard markets
• Motorcycle, boat, RV, and recreational vehicle owners

Lines available through Geneva

Specialty Home · Manufactured Home · Vacation Home · Motorcycle · Boat · RV · Off-Road

Why Geneva works with Foremost

A significant share of the calls Geneva gets are from people who've been told "we can't write this" by another agent. Foremost is the carrier that lets us say yes — vacation home in a coastal area, manufactured home from the 80s, the cabin grandpa left to a client without a permanent address — and find real coverage instead of pushing the client into surplus lines they don't need.

GEICO

High-volume auto insurance with extensive driver discounts

Founded: 1936 · A.M. Best: A++

What GEICO is known for

GEICO (Government Employees Insurance Company) is the second-largest U.S. auto insurer, owned by Berkshire Hathaway, with one of the strongest financial ratings in the industry. The carrier is known for its competitive auto rates, particularly for preferred-risk drivers, plus its broad menu of discounts: good driver, good student, multi-vehicle, military, federal employee, and many more.

In addition to auto, GEICO offers motorcycle, RV, boat, and powersports coverage, plus a separate commercial auto product line. Their digital-first quoting and policy management gives policyholders an experience that matches what younger drivers have come to expect.

Best fit for

• Preferred-risk drivers wanting competitive auto rates
• Military, federal employees, and members of qualifying organizations
• Multi-vehicle households
• Motorcycle, RV, boat, and powersports auxiliary coverage

Lines available through Geneva

Auto · Motorcycle · RV · Boat · Commercial Auto · Umbrella

Why Geneva works with GEICO

GEICO is in our quote-comparison whenever a client's primary need is auto and the cost-vs-coverage equation needs to be tested aggressively. For multi-vehicle households or preferred drivers, the discount stack often produces the lowest auto premium of any carrier we run, and we'll always be transparent when that's the answer — even if it means a less commission-rich placement.

The Hanover

Independent-agent-only carrier with premium personal and small commercial lines

Founded: 1852 · A.M. Best: A

What The Hanover is known for

The Hanover Insurance Group is a 170-year-old carrier that has chosen — uniquely among large insurers — to distribute exclusively through independent agents. They don't sell direct to consumers. Every policy they write goes through a licensed independent agency, which means their service infrastructure is built around supporting the agent relationship rather than competing with it.

Product-wise, The Hanover writes premium personal lines (their "Platinum" home and auto programs include broad coverage and meaningful discounts for clients with clean records), small-to-mid commercial, and specialty lines including marine and select industries.

Best fit for

• Clients who specifically want to work with an independent agent (us)
• Premium personal lines — home, auto, umbrella for established households
• Small-to-mid commercial in The Hanover's preferred industries
• Marine and watercraft owners

Lines available through Geneva

Home · Auto · Umbrella · Small Commercial · Marine · Specialty

Why Geneva works with The Hanover

The Hanover and Geneva share a model: independent-agency distribution, customer relationships built on advisor service rather than direct-to-consumer ads. When we recommend The Hanover, we're recommending a carrier that's structurally aligned with what we do for our clients — they'll never undercut a Geneva relationship by trying to sell direct.

The Hartford

Small business specialist and AARP-endorsed personal lines

Founded: 1810 · A.M. Best: A+

What The Hartford is known for

The Hartford is one of the oldest insurers in the U.S. (founded in 1810) and the exclusive endorsed provider of auto and home insurance for AARP members. Their personal-lines strength is concentrated in the 50+ demographic, with features like RecoverCare (services for accident recovery), accident forgiveness, lifetime renewability, and 12-month rate locks.

On the commercial side, The Hartford is one of the top small-business insurers in the country, with their Business Owner's Policy (BOP), workers' compensation, and commercial auto offerings designed specifically for small accounts — fast quoting, online policy management, and underwriting tuned for the small-business risk profile.

Best fit for

• AARP members or households 50+
• Small businesses needing Business Owner's Policy + workers comp
• Drivers wanting accident forgiveness and lifetime renewability features
• Small-business workers' compensation accounts

Lines available through Geneva

Auto · Home · Umbrella · Small Commercial (BOP) · Workers' Comp · Commercial Auto

Why Geneva works with The Hartford

For clients in the 50-and-over bracket, The Hartford's AARP-endorsed home and auto products usually beat the standard market on coverage features, and the price is competitive when the discount stack lines up. For small business clients — contractors, consultants, retail, professional services — The Hartford's BOP is one of the most reliable starting points we have.

Liberty Mutual

Comprehensive personal lines with strong commercial offerings

Founded: 1912 · A.M. Best: A

What Liberty Mutual is known for

Liberty Mutual is one of the largest property and casualty insurers in the world. They have a full personal-lines lineup — auto, home, renters, condo, life — and a strong commercial-lines presence. Commercial coverage includes property, general liability, workers' compensation, and specialty programs.

Their "only pay for what you need" branding fits the product. There's a wide menu of optional coverages and discounts that lets agents tailor a policy around each household's situation.

Features like accident forgiveness, new-car replacement, better-car replacement, deductible fund, and disappearing deductible give Liberty Mutual a depth of coverage that's hard to match in the standard market.

Best fit for

• Comprehensive personal lines (home + auto + renters)
• New-car owners wanting better-car or new-car replacement features
• Multi-policy bundles with depth-of-coverage priorities
• Mid-market commercial property and casualty

Lines available through Geneva

Auto · Home · Renters · Condo · Umbrella · Life · Commercial

Why Geneva works with Liberty Mutual

Liberty Mutual is one of our reliable comparison anchors — they'll quote almost any standard personal-lines profile, and their feature set (accident forgiveness, replacement coverage tiers) gives us levers to pull when a client wants specific protections beyond basic coverage. We use them frequently in our comparison runs to test whether competitors are leaving real protection gaps to price-compete.

Openly

Modern HO-5 homeowners insurance with broad coverage and digital underwriting

Founded: 2017 · A.M. Best: A-

What Openly is known for

Openly is a newer-generation homeowners specialty carrier (founded 2017, backed by Munich Re — one of the largest reinsurers in the world) that writes exclusively HO-5 policies — the broadest standard homeowners form. Their pitch is straightforward: a single comprehensive HO-5 with broad replacement cost, valuable items coverage built into the base policy, and 30+ year roof coverage on many policies, all available through independent agents only.

Underwriting is technology-first, with property data automatically pulled from satellite imagery, aerial photography, and public records, which means most quotes complete in minutes rather than days and binding is instantaneous.

Best fit for

• Homeowners wanting the broadest standard form (HO-5) without paying ultra-luxury rates
• Modern or well-maintained homes (Openly's underwriting rewards good property condition)
• Tech-comfortable customers who want a fast quote and binding experience
• Homes with valuable items where built-in scheduled coverage matters

Lines available through Geneva

Home (HO-5)

Why Geneva works with Openly

For the modern homeowner who doesn't need the ultra-HNW Chubb or AIG treatment but wants more than a stripped-down HO-3, Openly fills a specific gap in our carrier lineup. The HO-5 form alone — open-perils on both the dwelling AND personal property — is meaningfully broader than what most standard carriers default to, and Openly delivers it at a competitive premium.

Progressive

Auto insurance leader with strong commercial auto and specialty programs

Founded: 1937 · A.M. Best: A+

What Progressive is known for

Progressive is the second-largest auto insurer in the U.S. and the largest commercial auto insurer. Their Snapshot usage-based program offers real savings for safe drivers via telematics, and their Name Your Price tool lets shoppers anchor a quote on a budget rather than a coverage menu. Their commercial auto program writes everything from single-vehicle contractor pickups to multi-state trucking fleets, and they have meaningful specialty programs in motorcycle, boat, RV, classic car, and Mexico auto insurance.

For independent agents, Progressive's technology stack is one of the most polished in the industry — comparative rating, instant binding, full agent-portal claim visibility.

Best fit for

• Auto-focused shoppers wanting competitive rates and telematics savings
• Commercial auto — single vehicle to mid-size fleets
• Motorcycle, boat, RV, classic car coverage
• Drivers with imperfect records (Progressive writes non-standard well)

Lines available through Geneva

Auto · Commercial Auto · Motorcycle · Boat · RV · Classic Car · Mexico Auto

Why Geneva works with Progressive

Progressive is in our quote comparison on nearly every auto request — for clean records, sub-standard records, motorcycles, boats, commercial fleets. Their willingness to write non-standard auto means we can keep clients who other agents would have to refer to specialty markets, and their commercial auto program is where we send small business clients with vehicle exposure.

RT Specialty

Wholesale broker for surplus, specialty, and hard-to-place risks

Founded: 2010 · A.M. Best: Varies by underwriter

What RT Specialty is known for

RT Specialty (part of Ryan Specialty Group) is one of the largest wholesale insurance brokers in the U.S. They give independent agents access to surplus lines, specialty programs, and hard-to-place markets that standard carriers won't write.

RT's underwriting partners include Lloyd's of London syndicates, domestic surplus carriers, and specialty MGAs. Together they cover risks ranging from cannabis operations to construction-defect coverage, high-hazard transportation, and abandoned property.

For an independent agent like Geneva, RT is the partner we turn to when a client's risk is truly outside the standard market. We don't use them by default. They're the path to coverage when the standard market's answer is "we can't."

Best fit for

• Risks declined by every standard carrier (vacant property, prior fire losses, unusual construction)
• Specialty industries — cannabis, hospitality, entertainment, energy
• High-hazard commercial operations needing surplus-lines capacity
• Coverages requiring Lloyd's of London or specialty MGA programs

Lines available through Geneva

Surplus Lines · Specialty Commercial · Excess & Surplus · Hard-to-Place

Why Geneva works with RT Specialty

RT Specialty is the door we open when a standard-market quote isn't possible. They're not our default. Surplus lines premiums and policy mechanics differ from standard carrier products, and we walk every client through what that means before binding. But when a client truly needs surplus capacity, RT gives Geneva access to the same wholesale resources the largest agencies in the country use.

Steadily

Landlord and rental property insurance, technology-first

Founded: 2019 · A.M. Best: A-

What Steadily is known for

Steadily is a landlord-insurance specialist founded in 2019 and built specifically for real-estate investors and rental property owners. Their core products are DP-1 and DP-3 landlord policies (the rental-property equivalent of homeowners HO-3 and HO-5), plus builder's risk for properties under renovation. Quoting is technology-first — most quotes complete in under three minutes with instant binding, which matters when an investor is closing on a new property and needs proof of insurance fast.

Coverage features specific to rental ownership: loss-of-rent income protection, vandalism and malicious mischief, ordinance-or-law for older properties, and reasonable handling of short-term rentals (Airbnb, Vrbo) where many standard carriers exclude or non-renew.

Best fit for

• Single-property landlords and multi-property real-estate investors
• Properties under renovation needing builder's risk
• Short-term rental hosts (Airbnb, Vrbo) needing rental-aware coverage
• Out-of-state investors needing fast bind times at closing

Lines available through Geneva

Landlord (DP-3) · Landlord (DP-1) · Builder's Risk · Short-Term Rental

Why Geneva works with Steadily

Real-estate investing is a growing share of our client base, and Steadily is the carrier that actually understands the product these clients need — rental income coverage, fast bind at closing, no awkward "do you live there" questions when the answer is plainly no. They're a clean fit for our landlord and investor clients.

Travelers

Top-rated carrier across personal lines, commercial, and surety

Founded: 1864 · A.M. Best: A++

What Travelers is known for

Travelers is one of the oldest U.S. insurers (founded 1864) and one of only a small number carrying A.M. Best's top A++ financial strength rating. Their product depth covers nearly every standard personal and commercial line — auto, home, umbrella, condo, renters on the personal side; property, general liability, workers compensation, commercial auto, and a leading surety bond program on the commercial side.

Personal-lines features include IronShield (a deductible-reducing feature for major losses), accident forgiveness, and Quantum Auto/Home (a multi-policy product with bundled discounts). On the commercial side, Travelers writes one of the largest small-business surety programs in the U.S., critical for contractors and businesses that need performance bonds, license bonds, or court bonds.

Best fit for

• Premium personal lines bundles (home + auto + umbrella)
• Small-to-mid commercial accounts needing comprehensive packages
• Contractors and businesses needing surety bonds
• Workers' compensation accounts paired with commercial auto

Lines available through Geneva

Auto · Home · Umbrella · Condo · Renters · Commercial · Workers' Comp · Surety Bonds

Why Geneva works with Travelers

Travelers is one of our most-used commercial carriers and a strong personal-lines option whenever a client wants the depth of a top-rated multi-line carrier under one roof. Their surety bond program in particular is the reason we can handle clients ranging from a contractor needing a $10K license bond to a business needing a multi-million-dollar performance bond — all through the same relationship.

Frequently asked questions

Why does Geneva work with so many different carriers?

Every household and business has a unique risk profile, and no single insurance carrier is the best fit for every situation. By being appointed with 25+ A-rated carriers, we can compare actual quotes across multiple companies and place each client with the carrier that best matches their needs — coverage, price, claims service, and the specific risk factors they're trying to insure.

How does Geneva decide which carrier is best for me?

We start by understanding the full picture: what you're insuring, what coverage gaps matter most to you, your prior loss history, your budget, and your priorities around claims service. Then we run quotes across the carriers most likely to fit that profile and walk you through the comparison — not just price, but coverage differences and trade-offs.

What if my current carrier isn't on this list?

We list 15 of the largest carriers we partner with directly, but we have access to additional standard markets and surplus-lines capacity through wholesale relationships. If you're currently insured with a carrier not shown here, contact us — we can usually quote against your existing policy or find a comparable alternative.

Do you get paid more for placing me with one carrier vs. another?

Carrier commission rates do vary slightly across our partners, and we're transparent about that. But our compensation model and our retention model are aligned with placing clients where they belong, not where the highest commission sits. Misplacing a client to chase a few extra commission points means they leave at renewal — which costs us far more than the difference.

Can you write coverage in states where I have property but don't live?

Geneva is licensed in 14 states (Arizona, California, Georgia, Illinois, Indiana, Maryland, Michigan, Montana, New Mexico, New York, Pennsylvania, South Carolina, Texas, Wisconsin). If your primary residence is in one state and your rental, vacation, or commercial property is in another, we can usually write the property if the second state is one of our licensed states or our carrier partners have appointments there.

What does 'A-rated' actually mean for an insurance carrier?

A.M. Best — the leading insurance industry rating agency — issues financial-strength ratings on a scale running A++ (Superior) down through F. We work primarily with carriers rated A- or better, which means they have a strong-to-superior ability to meet ongoing insurance obligations.