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Company Details

  ESSENTIA INSURANCE COMPANY License Status :
Active

NAIC Number :

37915


Phone Number:

8475726387


Company Address:

10275 W. Higgins Road, Suite 750 
Rosemont, IL  60018

Description:

Property and Casualty


License Number:

B419918


Date Admitted:

1980-11-20


Market Share

Link to Supplemental Data Page

Year Line Market Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
2023 Total Property & Casualty 0.07% $10,978,630 $10,107,638 $3,208,752 $4,755,542 47.05 %
2023 Ocean Marine 0.00% $0 $264 $0 $-5,174 -1,959.85 %
2023 Inland Marine (Incl Auto Cargo) 0.19% $1,079,572 $997,500 $378,345 $412,396 41.34 %
2023 Total Private Passenger Automobile 0.18% $9,899,058 $9,109,874 $2,830,407 $4,348,320 47.73 %
2023 Private Passenger Auto Liability Bodily Injury 0.10% $1,338,181 $1,145,641 $284,218 $881,768 76.97 %
2023 Private Passenger Auto Liability Property Damage 0.05% $470,488 $387,170 $96,052 $297,994 76.97 %
2023 Private Passenger Auto Medical Payments 0.13% $114,223 $123,903 $30,739 $95,364 76.97 %
2023 Private Passenger Uninsured Motorists 0.34% $965,136 $801,537 $198,852 $616,921 76.97 %
2023 Private Passenger Underinsured Motorists 0.16% $181,757 $149,094 $36,988 $114,753 76.97 %
2023 Private Passenger Auto Comprehensive 0.34% $3,832,213 $3,657,476 $1,228,185 $1,317,034 36.01 %
2023 Private Passenger Auto Collision 0.20% $2,997,060 $2,845,053 $955,373 $1,024,486 36.01 %
2022 Total Property & Casualty 0.06% $9,145,076 $8,458,470 $2,555,107 $2,786,296 32.94 %
2022 Ocean Marine 0.01% $3,156 $25,441 $0 $595 2.34 %
2022 Inland Marine (Incl Auto Cargo) 0.17% $881,302 $820,550 $90,220 $37,196 4.53 %
2022 Total Private Passenger Automobile 0.17% $8,260,618 $7,612,479 $2,464,887 $2,748,505 36.11 %
2022 Private Passenger Auto Liability Bodily Injury 0.08% $939,265 $828,444 $286,913 $401,698 48.49 %
2022 Private Passenger Auto Liability Property Damage 0.04% $300,306 $255,512 $88,490 $123,893 48.49 %
2022 Private Passenger Auto Medical Payments 0.16% $143,655 $150,335 $52,065 $72,895 48.49 %
2022 Private Passenger Uninsured Motorists 0.25% $630,539 $543,381 $188,187 $263,476 48.49 %
2022 Private Passenger Underinsured Motorists 0.13% $116,152 $99,291 $34,387 $48,145 48.49 %
2022 Private Passenger Auto Comprehensive 0.37% $3,455,456 $3,241,137 $1,025,568 $1,038,878 32.05 %
2022 Private Passenger Auto Collision 0.21% $2,675,245 $2,494,379 $789,277 $799,520 32.05 %
2021 Total Property & Casualty 0.06% $7,839,435 $7,215,662 $1,837,186 $2,126,273 29.47 %
2021 Ocean Marine 0.10% $43,596 $42,534 $-9,450 $-7,912 -18.60 %
2021 Inland Marine (Incl Auto Cargo) 0.15% $718,354 $644,586 $30,192 $87,879 13.63 %
2021 Total Private Passenger Automobile 0.16% $7,077,485 $6,528,542 $1,816,444 $2,046,306 31.34 %
2021 Private Passenger Auto Liability Bodily Injury 0.07% $775,696 $722,051 $159,777 $262,558 36.36 %
2021 Private Passenger Auto Liability Property Damage 0.03% $236,187 $217,007 $48,020 $78,910 36.36 %
2021 Private Passenger Auto Medical Payments 0.16% $147,074 $137,048 $30,326 $49,834 36.36 %
2021 Private Passenger Uninsured Motorists 0.22% $507,685 $478,692 $105,926 $174,066 36.36 %
2021 Private Passenger Underinsured Motorists 0.12% $91,798 $84,623 $18,726 $30,771 36.36 %
2021 Private Passenger Auto Comprehensive 0.35% $3,011,872 $2,778,123 $826,011 $824,022 29.66 %
2021 Private Passenger Auto Collision 0.19% $2,307,173 $2,110,998 $627,658 $626,145 29.66 %

Enforcements

The department has not taken enforcement action against this company in the past three years.

Link to Enforcements Page


Complaint Index

Year Line Market Share Number of Complaints Complaint Index
2023 Private Passenger Auto 0.17% 2 67
2022 Private Passenger Auto 0.16% 2 84
2021 Private Passenger Auto 0.14% 2 95


Company Changes

Effective Date: 09/18/2007

Comments: American Central changed its name to Essentia Insurance Company.

Effective Date: 10/20/2000

Comments: American Central Insurance Co. by White Mountains Insurance Group Ltd. (Filing amended 03/12/2001)

Effective Date: 10/18/2012

Comments: Essentia Insurance Company by Markel Corp.


Market Conduct

This company does not have any market conduct exams or investigations.


Financial Exams

Date: 08/01/2017

EssentiaInsCoORD.pdf

Date: 06/21/2022

Order and Exam Report - Essentia Insurance Company.pdf