Company Details

Company Details

Company Name:
ESSENTIA INSURANCE COMPANY
License Status:
Active
NAIC Number:
37915
Company Address:
4521 Highwoods Pkwy
Glen Allen, VA 23060
Phone Number:
8475726000
Mailing Address:
10275 W. Higgins Road, Suite 750
Rosemont, IL 60018
Mailing Phone:
8475726387
Description:
Property and Casualty (Ch 379, RSMo)
License Number:
B419918
Date Admitted:
1980-11-20

Market Share

Year Line Market Share Direct Premium Written Direct Premium Earned Dividends Paid Direct Losses Paid Direct Losses Incurred In Force Loss Ratio
2025 Total Property & Casualty 0.08% $14,493,979 $13,753,251 $0 $3,872,735 $3,513,787 $0 90.73%
2025 Inland Marine (Incl Auto Cargo) 0.35% $1,408,603 $1,333,011 $0 $99,047 $78,100 $0 78.85%
2025 Total Private Passenger Auto 0.14% $4,642,703 $4,329,122 $0 $1,117,772 $1,155,612 $0 103.39%
2025 Private Passenger Auto Liability - Bodily Injury 0.29% $4,642,703 $4,329,122 $0 $1,117,772 $1,155,612 $0 103.39%
2025 Private Passenger Auto - Comprehensive 0.6% $8,442,673 $8,091,118 $0 $2,655,916 $2,280,075 $0 85.85%
2024 Total Property & Casualty 0.08% $12,952,852 $12,070,303 $0 $4,129,074 $4,864,925 $0 117.82%
2024 Ocean Marine 0% $0 $0 $0 $0 $-870 $0 0%
2024 Inland Marine (Incl Auto Cargo) 0.29% $1,194,550 $1,123,403 $0 $57,268 $105,377 $0 184.01%
2024 Total Private Passenger Auto 0.13% $4,008,045 $3,631,588 $0 $1,863,324 $1,941,490 $0 104.19%
2024 Private Passenger Auto Liability - Bodily Injury 0.12% $1,715,379 $1,562,667 $0 $801,786 $835,421 $0 104.2%
2024 Private Passenger Auto Liability - Property Damage 0.06% $641,734 $573,112 $0 $294,057 $306,393 $0 104.2%
2024 Private Passenger Auto Liability - Medical Payments 0.14% $124,948 $120,382 $0 $61,766 $64,357 $0 104.19%
2024 Private Passenger Auto Liability - Uninsured Motorists 0.41% $1,279,201 $1,155,745 $0 $592,999 $617,875 $0 104.19%
2024 Private Passenger Auto Liability - Underinsured Motorists 0.19% $246,783 $219,682 $0 $112,716 $117,444 $0 104.19%
2024 Private Passenger Auto - Comprehensive 0.32% $4,317,977 $4,087,666 $0 $1,234,060 $1,575,166 $0 127.64%
2024 Private Passenger Auto - Collision 0.21% $3,432,280 $3,227,646 $0 $974,422 $1,243,762 $0 127.64%
2023 Total Property & Casualty 0.07% $10,978,630 $10,107,638 $0 $3,208,752 $4,755,542 $0 148.21%
2023 Ocean Marine 0% $0 $264 $0 $0 $-5,174 $0 0%
2023 Inland Marine (Incl Auto Cargo) 0.19% $1,079,572 $997,500 $0 $378,345 $412,396 $0 109%
2023 Total Private Passenger Automobile 0.18% $9,899,058 $9,109,874 $0 $2,830,407 $4,348,320 $0 153.63%
2023 Private Passenger Auto Liability Bodily Injury 0.1% $1,338,181 $1,145,641 $0 $284,218 $881,768 $0 310.24%
2023 Private Passenger Auto Liability Property Damage 0.05% $470,488 $387,170 $0 $96,052 $297,994 $0 310.24%
2023 Private Passenger Auto Medical Payments 0.13% $114,223 $123,903 $0 $30,739 $95,364 $0 310.24%
2023 Private Passenger Uninsured Motorists 0.34% $965,136 $801,537 $0 $198,852 $616,921 $0 310.24%
2023 Private Passenger Underinsured Motorists 0.16% $181,757 $149,094 $0 $36,988 $114,753 $0 310.24%
2023 Private Passenger Auto Comprehensive 0.34% $3,832,213 $3,657,476 $0 $1,228,185 $1,317,034 $0 107.23%
2023 Private Passenger Auto Collision 0.2% $2,997,060 $2,845,053 $0 $955,373 $1,024,486 $0 107.23%
2022 Total Property & Casualty 0.06% $9,145,076 $8,458,470 $0 $2,555,107 $2,786,296 $0 109.05%
2022 Ocean Marine 0.01% $3,156 $25,441 $0 $0 $595 $0 0%
2022 Inland Marine (Incl Auto Cargo) 0.17% $881,302 $820,550 $0 $90,220 $37,196 $0 41.23%
2022 Total Private Passenger Automobile 0.17% $8,260,618 $7,612,479 $0 $2,464,887 $2,748,505 $0 111.51%
2022 Private Passenger Auto Liability Bodily Injury 0.08% $939,265 $828,444 $0 $286,913 $401,698 $0 140.01%
2022 Private Passenger Auto Liability Property Damage 0.04% $300,306 $255,512 $0 $88,490 $123,893 $0 140.01%
2022 Private Passenger Auto Medical Payments 0.16% $143,655 $150,335 $0 $52,065 $72,895 $0 140.01%
2022 Private Passenger Uninsured Motorists 0.25% $630,539 $543,381 $0 $188,187 $263,476 $0 140.01%
2022 Private Passenger Underinsured Motorists 0.13% $116,152 $99,291 $0 $34,387 $48,145 $0 140.01%
2022 Private Passenger Auto Comprehensive 0.37% $3,455,456 $3,241,137 $0 $1,025,568 $1,038,878 $0 101.3%
2022 Private Passenger Auto Collision 0.21% $2,675,245 $2,494,379 $0 $789,277 $799,520 $0 101.3%
2021 Total Property & Casualty 0.06% $7,839,435 $7,215,662 $0 $1,837,186 $2,126,273 $0 115.74%
2021 Ocean Marine 0.1% $43,596 $42,534 $0 $-9,450 $-7,912 $0 83.72%
2021 Inland Marine (Incl Auto Cargo) 0.15% $718,354 $644,586 $0 $30,192 $87,879 $0 291.07%
2021 Total Private Passenger Automobile 0.16% $7,077,485 $6,528,542 $0 $1,816,444 $2,046,306 $0 112.65%
2021 Private Passenger Auto Liability Bodily Injury 0.07% $775,696 $722,051 $0 $159,777 $262,558 $0 164.33%
2021 Private Passenger Auto Liability Property Damage 0.03% $236,187 $217,007 $0 $48,020 $78,910 $0 164.33%
2021 Private Passenger Auto Medical Payments 0.16% $147,074 $137,048 $0 $30,326 $49,834 $0 164.33%
2021 Private Passenger Uninsured Motorists 0.22% $507,685 $478,692 $0 $105,926 $174,066 $0 164.33%
2021 Private Passenger Underinsured Motorists 0.12% $91,798 $84,623 $0 $18,726 $30,771 $0 164.32%
2021 Private Passenger Auto Comprehensive 0.35% $3,011,872 $2,778,123 $0 $826,011 $824,022 $0 99.76%
2021 Private Passenger Auto Collision 0.19% $2,307,173 $2,110,998 $0 $627,658 $626,145 $0 99.76%

Complaint Index

Link to Consumer Complaint Index Page
Year Line Market Share Number of Complaints Complaint Index
2025 Private Passenger Auto 0.2% 3 69
2024 Private Passenger Auto 0.18% 2 62
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

Date:
2007-09-18
Comments:
American Central changed its name to Essentia Insurance Company.

Market Regulation Actions

This company does not have any market regulation actions.

Financial Exams

Date:
2017-08-01
PDF
Date:
2022-06-21
PDF