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2022 & 2023 AMERICA’S BEST INSURANCE COMPANIES

 

2022 AMERICA’S BEST INSURANCE COMPANIES

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The insurance industry in the United States employs more than 2.8 million people across nearly 6,000 companies with net premiums written totaling $1.28 trillion in 2020 according to S&P Global Market Intelligence. Like much of the global economy, the insurance industry in the United States was drastically altered by Covid-19.

From increased digitalization to a heightened awareness of mortality, the industry was forced to adapt as firms and their workforces look to serve consumers across a wide breadth of offerings, including auto, homeowners, renters, pet, dental and term and permanent life. The last year and a half has increased the importance of these companies’ technological offerings while insurers still aim to keep customers satisfied with traditional services like financial advice, customer service and benefits.

In order to determine which companies qualify as America’s Best Insurance Companies Forbes partnered with Statista to survey more than 16,000 customers and get their feedback on insurance company performance across eight metrics including overall satisfaction and whether they would recommend them to family and friends.

We also evaluated five different subdimensions including: financial advice; customer service; price/performance ratio; transparency; and damage/benefit ratio. Out of some 4,200 insurance companies that offer either property and casualty coverage, life and annuity coverage or health insurance, only 90 were awarded.

For most sectors of the economy, the last 12 months have been tumultuous. The lingering Covid-19 pandemic continues to challenge healthcare systems and businesses worldwide, and the effects of climate change have only made matters worse. Despite these challenges, insurers, companies that are employed to protect clients against major risks, have had a good year, especially when it comes to the stock market. Over the last 12 months, iShares U.S. Insurance company ETF has had a total return of 45% versus a robust 32% return for the S&P 500.

“On an absolute basis it’s been a great performance this year,” says Piper Sandler’s senior insurance industry analyst Paul Newsome.

The biggest change brought about by Covid-19, for insurers, has been an increased reliance on digital tools in sales and claims processing, in the absence of face to face interactions as well as a deeper awareness of mortality from consumers who have sat on their couches and watched news coverage of devastating death tolls.

Frank Spencer, vice president of life insurance sales for Nationwide Mutual Insurance Company has seen the massive loss of life translate to the biggest year of life insurance premiums for his company in 2020 with 2021 set to surpass that high watermark.

“Sadly, because of the pandemic the United States population is very much aware of mortality,” Spencer says. A run on life insurance hasn’t been the only major shift during the pandemic as the in person interactions that used to be a major part of the insurance industry have been increasingly replaced by app-based claims, online billing and other virtual replacements that have become a necessity in a time of social distancing.

“We probably got five years worth of digital adoption in 2020,” Spencer adds. That change was less a product of technological innovations by the companies and more so consumers opting to use tools developed well before lockdowns and mask mandates, according to Beth Riczko, president of property and casualty personal lines at Nationwide. “In the industry, there was a strong focus on building digital capabilities, pre-Covid, but adoption was somewhat slow,” she adds.

 

America’s Best Insurance Companies 2022
Company
Headquarters
Year Founded
Employees
AAA
Heathrow, Florida
1902
AAA Life
Livonia, Michigan
1969
450
Aflac
Columbus, Georgia
1955
6,239
AKC Pet
Raleigh, North Carolina
2003
Alfa
Montgomery, Alabama
1946
2,600
AllCare Health
Grants Pass, Oregon
1994
250
Allianz
Munich, Germany
1890
150,269
Allstate
Northbrook, Illinois
1931
42,160
American Family
Madison, Wisconsin
1927
13,225
American International Group
New York, New York
1919
45,000
American Modern
Amelia, Ohio
1949
1,200
American National
Galveston, Texas
1905
4,600
Amica
Lincoln, Rhode Island
1907
3,832
Anthem
Indianapolis, Indiana
2004
70,600
Auto-Owners
Lansing, Michigan
1916
6,329
Blue Cross Blue Shield of Alabama
Birmingham, Alabama
1936
3,300
Blue Cross Blue Shield of Illinois
Chicago, Illinois
1936
10,845
BlueCross BlueShield of South Carolina
Columbia, South Carolina
1946
16,000
Blue Cross and Blue Shield of Texas
Richardson, Texas
1929
BlueCross and BlueShield of Kansas City
Kansas City, Missouri
1938
BlueCross BlueShield of Tennessee
Chattanooga, Tennessee
1945
6,000
Capital Blue Cross
Harrisburg, Pennsylvania
1938
1,500
CareSource
Dayton, Ohio
1989
4,500
Chubb
Zurich, Switzerland
1882
31,000
Cincinnati Insurance Company
Fairfield, Ohio
1950
4,925
COUNTRY Financial
Bloomington, Illinois
1925
3,000
Embrace Pet
Cleveland, Ohio
2003
220
Erie
Erie, Pennsylvania
1925
6,000
Farm Bureau Financial Services
West Des Moines, Iowa
1939
5,600
Farm Bureau Insurance of Tennessee
Columbia, Tennessee
1948
350
Farmers Alliance
McPherson, Kansas
1888
800
Farmers
Woodland Hills, California
1928
21,000
Farmers Mutual of Nebraska
Lincoln, Nebraska
1891
265
Fidelity & Guaranty Life Insurance
Des Moines, Iowa
1959
267
Florida Blue
Jacksonville, Florida
1944
6,500
Geico
Chevy Chase, Maryland
1936
40,000
Globe Life
McKinney, Texas
1951
2,974
GoAuto
Baton Rouge, Louisiana
2009
143
Grange Insurance Association
Seattle, Washington
1894
Guardian Life Insurance Co of America
New York, New York
1860
9,500
Hanover Insurance Group
Worcester, Massachusetts
1852
4,300
Humana
Louisville, Kentucky
1961
48,700
Indiana Farm Bureau Insurance
Indianapolis, Indiana
1934
1,200
John Hancock Financial
Boston, Massachusetts
1862
6,700
Kentucky Farm Bureau
Louisville, Kentucky
1919
700
Knight of Columbus
New Haven, Connecticut
1882
750
Legal & General Group
Frederick, Maryland
1981
13,876
Lemonade
New York, New York
2015
567
LIBERTY Dental Plan
Santa Ana, California
2001
Liberty Mutual Insurance
Boston, Massachusetts
1912
45,000

EDITED BY JASON BISNOFF

forbes

 

Revealed – 10 best insurance companies to work for in 2022

The US insurance industry boasts a workforce of more than 2.8 million employees, according to the latest data gathered by the Insurance Information Institute (III). Of these, around 1.6 million work for insurance companies – including an estimated 911,400 for the life and health (L&H) segment, 628,600 for property and casualty (P&C) insurers, and 26,900 for reinsurers. The rest are employed by insurance agencies, brokerages, and other industry-related businesses.

But just like any other sector, the insurance industry has seen a considerable uptick in staff quitting their posts and shifting expectations about what they want for their careers and from their employers during the pandemic – a phenomenon more popularly known as the Great Resignation.

To shed light on how the situation has impacted the industry, professional recruiting services provider the Jacobson Group, along with insurance giant Aon, conducted research in the third quarter of last year. The organizations’ insurance labor market study has found that industry professionals who were waiting to make moves earlier in the pandemic have begun exploring their options and re-evaluating their current roles, which resulted in the recruiting process – especially at experienced levels – becoming “extremely competitive.”

The report also revealed that more than half, or 56%, of insurance companies have plans to increase their workforce in the next 12 months, exacerbating the already aggressive “war for talent.”

 

What can insurance companies do to attract and retain talent?

Global management consulting firm McKinsey pointed out how companies – not just in the insurance industry – can take advantage of the pandemic to give workers an outstanding employee experience by taking time to listen to and engage with their workforce.

The firm surveyed almost 1,000 individuals to assess their views on work and how these have changed due to the COVID-19 crisis. The consulting giant then identified several factors that help create the right working environment for employees. These include:

  • A sense of social cohesion and purpose
  • Collaborative teams
  • Clear responsibilities and opportunities to learn and grow
  • An organizational sense of purpose that aligns with employees’ personal values
  • A suitable physical and digital environment that gives staff flexibility to achieve a work-life balance

Apart from these, salary and benefits remain key in attracting and retaining talent. A recent survey by professional services firm Voya Financial showed that 60% of US workers are paying more attention to the benefits that their employers provide because of the pandemic. More than two-thirds, or 68%, of the over 1,000 respondents also expect workplace benefits to play a crucial role in their future job selection.

 

Which are the best insurance companies to work for?

To find out which insurers in the US provide the best work environment that paves the way for employees to thrive and grow both professionally and personally, Insurance Business went through several industry rankings, including Fortune’s 100 Best Companies to Work For 2022. We also checked out each insurer’s website to see what benefits they offer employees and what recent awards they have received that reflect their commitment to employee well-being. Here are the ones that came up on top. The list is arranged alphabetically.

 

1. Allianz Life

Headquarters: Minneapolis, Minnesota
Number of employees: 2,200+

Allianz Life Insurance Company of North America (Allianz Life) is a subsidiary of Allianz SE – one of the largest financial services providers in the world. It provides a range of retirement solutions, including life insurance for individuals and fixed and variable annuities.

For the 11th consecutive year, Allianz Life has been named in Fortune’s 100 Best Companies to Work For, placing number 77 in 2022. According to its LinkedIn profile, the company offers a “creative, collaborative working environment with ongoing career development opportunities.” Apart from competitive compensation, Allianz Life provides a range of benefits, including tuition reimbursement, employee stock purchase plans, and a generous retirement savings plan.

 

2. American Fidelity Assurance

Headquarters: Oklahoma City, Oklahoma
Number of employees: 2,000+

American Fidelity Assurance Company is a supplemental benefits provider that serves more than one million policyholders across 49 states. It caters mostly to employers in the education, public, automotive, and healthcare sectors. Among the products and services it offers are supplemental insurance, reimbursement accounts and administration, stop loss insurance for self-funded plans, Section 125 Plan administration, online benefits enrollment software, and patient protection and Affordable Care Act (ACA) consulting.

American Fidelity was part of Fortune’s 100 Best Companies to Work For last year, securing the 53rd spot. It was also named among the country’s Top Workplaces in IT by IDG’s Insider Pro and Computerworld.

“The pandemic put a lot of pressure on IT, but fortunately we had systems in place that made it possible for us to seamlessly transition to our workforce being nearly 100% remote without impacting our business,” said Diana Bittle, senior vice-president and chief information officer at American Fidelity. “I’m proud of how our team jumped at the challenges this year brought, and we were able to quickly implement new technology to better serve our customers and colleagues.”

 

3. Farmers Insurance

Headquarters: Woodland Hills, California
Number of employees: 21,000

Farmers Insurance Group is one of the country’s largest providers of auto, homes, and small business policies. Taking care of its employees is a top priority for the insurer. To do this, it has implemented a range of ways to provide employee support, including the Farmers Family Fund, which enables the Farmers community to respond quickly when employees experience financial hardship. Since its launch in 2012, the program has provided more than $2.5 million in grants to support employees.

The company also shows its commitment to diversity and inclusion through sponsorships of a broad range of employee groups, including the Women’s Inclusion Network, Farmers Pride, Veterans & Advocates, Farmers Asian Alliance, Somos Farmers, Black Professionals Alliance, Disability Inclusion Group, Farmers Future, FarmersFit, and Parent Connect.

Farmers ranked 89th in the 2022 Fortune 100 Best Companies to Work For.

 

4. Lemonade

Headquarters: New York, New York
Number of employees: 1,100+

Lemonade uses artificial intelligence and behavioral economics to offer homeowners, renters, condo, car, pet health, and term life insurance policies to clients across the US. The insurtech firm’s policies are 100% digital. It provides quotes, underwrites and sells policies, and handles and pays claims via an online app. The company also charges a flat fee and pays claims “super-fast.” Lemonade once famously granted a claim in three seconds by leveraging chatbots for policy queries and claims and fraud detection.

Lemonade is also a public benefit corporation and a Certified B Corporation. It operates an annual giveback program, where it donates unused premiums to non-profits selected by its community. Since 2017, the company has given back almost $4.3 million to various charitable institutions across the US. In 2021 alone, Lemonade has donated more than $2.3 million to 65 non-profit organizations, including American Forests, Malala Fund, Charity: water, and CURE Childhood Cancer.

Fast Company recognized Lemonade’s giveback program in its list of World Changing Ideas for 2021. That same year, Inc. Magazine dubbed the firm as one of the Best-Led Companies and a Best Workplace in America.

 

5. Liberty Mutual

Headquarters: Boston, Massachusetts
Number of employees: 45,000+

Liberty Mutual Holdings Company Inc. is the sixth-largest P&C insurer globally and fourth in the US. The firm offers a wide range of insurance products and services, including personal automobile, homeowners, specialty lines, reinsurance, commercial multiple-peril, workers compensation, commercial automobile, general liability, surety, and commercial property.

In 2019, Liberty Mutual unveiled its multi-year plan to increase diversity, equity, and inclusion for all employees. The plan provided accountability and transparency by setting and publicly reporting on long-term goals to increase the representation of women and people of color at all levels of the business in the US.

A year later, Liberty Mutual was recognized among the “Best Workplaces in Financial Services & Insurance” and “Best Workplaces for Parents” by Great Places to Work. Despite the challenges brought about by the COVID-19 pandemic, 92% of the company’s overall workforce reported that they were “extremely satisfied” with Liberty Mutual as a place to work, up from 85% the year prior.

In the same year, the company established its first-ever Global Employee Experience function aimed at taking a more “holistic, inclusive, and data-driven approach” to understanding what matters to employees and working with them to co-create exceptional experiences. It also launched Moments that Matter, a new initiative to identify and map the most important moments that impact employee experiences at the company.

In 2021, Liberty Mutual has been named a Forbes Best Employer for Diversity and Best Employer for New Graduates, by offering ample opportunities for all employees. Many of the company’s executive leadership have also been awarded for their outstanding dedication to the employee experience.

 

6. Mutual of Omaha

Headquarters: Omaha, Nebraska
Number of employees: 6,000+

Mutual of Omaha is a Fortune 500 mutual insurance and financial services company offering a variety of products, including Medicare supplement, life insurance, long-term care coverage and annuities, as well as group coverage such as life, disability, and 401(k).

The company was recognized by Forbes as one of the Best Employers for Diversity 2022. It also ranked number 84 in Fortune’s 100 Best Companies to Work For.

Mutual of Omaha has developed several ongoing programs for employees and managers that support an inclusive culture. These include:

  • Mutually Connected – a compulsory culture-shaping workshop that explores many concepts and values that support diversity, equity, and inclusion.
  • Mutually Inclusive – the firm’s flagship program is designed to reinforce several concepts that “bridge connections across differences,” including allyship, identity and anti-racism.
  • Diversity and Inclusion Action Group (DIAG) – made up of leaders throughout the company
  • and provide focus and direction for the firm’s DEI initiatives.
  • Advocacy and Advisory Council – comprised of associates representing each business unit and operation, who recommend opportunities for incorporating DEI strategies and advocate for DEI within their business units.

 

7. Nationwide

Headquarters: Columbus, Ohio
Number of employees: 26,000+

Nationwide Mutual Insurance Company is a Fortune 100 firm that provides a full range of insurance and financial services products across the US. Its insurance portfolio includes car, motorcycle, homeowners, pet, farm, life, and commercial policies. The company also offers annuities, mutual funds, retirement, plans and specialty health services.

Nationwide’s commitment to diversity, equity, and inclusion reflects how the company operates. A standard requirement for doing business with the insurance giant is a “commitment to creating opportunities that promote supplier diversity.”

Every year, thousands of its employees also participate in associate resource groups and business unit councils to foster inclusion and improve business results. In 2021, the company hosted events to celebrate its employees’ heritage, educate them about diverse experiences and demonstrate how we can be better allies. A separate campaign also allowed associates to generate a matching gift from the Nationwide Foundation to select non-profit partners focused on social equality and economic empowerment.

Nationwide is the top-ranking insurer in Fortune’s 100 Best Companies to Work For in 2022, securing the 21st spot.

 

8. Progressive Insurance

Headquarters: Mayfield Village, Ohio
Number of employees: 45,000+

The Progressive Group of Insurance Companies is one of the most popular insurance brands in the US. The insurance juggernaut is the third-largest auto insurer and top motorcycle and specialty RV insurer in the country, writing more than 13 million auto policies per year. The insurer also writes commercial auto and several other personal lines risks, including homeowners’ insurance.

Progressive puts a premium on letting its employees be themselves and bring their strengths to work. It also holds staff accountable for sticking to the company’s core values – integrity, golden rule, objectives, excellence, and profit. Working at Progressive offers excellent benefits, including access to financial wellbeing programs, which provide tuition assistance, fair base pay, 401(k) retirement plans, and an annual bonus program. Company benefits also include health, vision, and dental care, health savings accounts, mental health support, access to fitness centers, and maternity support.

Progressive ranked 51st in Fortune’s 100 Best Companies to Work For and 65th in 100 Best Large Workplaces for Millennials in 2022.

 

9. PURE Insurance

Headquarters: White Plains, New York
Number of employees: 800+

PURE Insurance is a policyholder-owned insurer dedicated to assisting families and individuals by providing a range of personal coverages, including home, auto, cyber and fraud, jewelry, art and collectible insurance. The firm focuses on high-net-worth families and individuals who need assistance protecting their assets and homes. It offers a transparent view of their process, allowing clients to know exactly where their money is going and how their accounts are being managed.

PURE, which stands for Privilege Underwriters Reciprocal Exchange, was recently named one of the Best Workplaces in Financial Services and Insurance by Fortune, Best High Net Worth Insurance Company at the Private Asset Management (PAM) Awards, and Best Insurance Underwriter at the Family Wealth Report Awards.

 

10. USAA

Headquarters: San Antonio, Texas
Number of employees: 32,000+

USAA is a diversified financial services group of companies and among the leading providers of insurance, investment, and banking solutions to members of the US military, veterans, and their families.

USAA is also one of the top insurance companies to work for in the country. The insurer gives employees and their families a range of benefits, including medical and dental insurance coverage, RSPs, paid time off, recognition programs, access to fitness centers and personal trainers, college admission assistance, and ongoing training programs. It ranked 87th in the 2021 edition of Fortune’s 100 Best Companies to Work For.

 

2023 America’s Best Insurance Companies

Like other industries jolted into the future by the stay-at home-mandates of the Coronavirus pandemic, the insurance industry has embraced digital transformation. Nowadays most companies allow customers to conduct most of their insurance business – from obtaining coverage to filing claims– online and often via a mobile phone app. Companies that prepared for the transformation have been rewarded with high marks from their clients.

In our second annual Forbes/Statista survey of America’s Best Insurance Companies more than 15,000 participants evaluated their auto, renters, homeowners, term-life and permanent-life insurance providers. The companies were rated on overall satisfaction in the categories of financial advice, customer service, transparency, digital services, price/performance, damage/benefit and whether respondents would recommend the company to friends and family.

USAA, the San Antonio-based provider of insurance to veterans and their families, received top marks in all five industry categories.

Our survey looks at insurance from a customer standpoint but doesn’t address the many challenges they now face thanks to high inflation and less predictable risks like severe weather events. “Insurers are trying to hold the line as everything they pay for goes up. It makes for a challenging environment,” said David Snyder, vice president of the American Property Casualty Insurance Association (APCIA).

 

NAME
HEADQUARTERS
YEAR FOUNDED
EMPLOYEES
AAA Insurance
Heathrow, Florida, United States
1902
Acuity Insurance
Sheboygan, Wisconsin, United States
1925
1,500
Aflac
Columbus, Georgia, United States
1955
4,851
AFR Insurance
Oklahoma City, Oklahoma, United States
1905
Alamance Farmers’ Mutual
Graham, North Carolina, United States
1892
Alfa Insurance
Montgomery, Alabama, United States
1946
2,600
Allianz
Munich, Germany
1890
155,411
American-Amicable Life Insurance
Waco, Texas, United States
1910
American Family Insurance
Madison, Wisconsin, United States
1927
13,590
American International Group
New York, New York, United States
1919
45,000
Americo Life
Kansas City, Missouri, United States
1946
Amica
Lincoln, Rhode Island, United States
1907
3,510
Arbella Insurance
Quincy, Massachusetts, United States
1988
Arkansas Farm Bureau Insurance
Little Rock, Arkansas, United States
1935
400
Auto-Owners Insurance
Lansing, Michigan, United States
1916
6,441

Meet America’s Best Insurance Companies 2023

Since the Covid-19 pandemic hit our shores in early 2020, the insurance industry has experienced a digital transformation. Customers’ ability to avoid face-to-face meetings, file claims online, and generally “do-it-themselves” has been disruptive for those lagging in tech adoption.

“Claims-filing through apps has been the biggest technological change of recent years,” said Michael Barry, chief communications officer at the Insurance Information Institute, an industry-funded consumer education organization.

Companies prepared for the transformation have been rewarded with high marks from their clients.

USAA, the San Antonio-based provider of insurance to veterans and their families, received top marks in all five industry categories of the second annual Forbes/Statista survey of America’s Best Insurance Companies.

More than 15,000 participants evaluated their auto, renters, homeowners, term-life and permanent-life insurance providers. Permanent life insurance includes companies offering whole and universal life policies, which include savings element and death benefit. The companies were rated on overall satisfaction in the categories of financial advice, customer service, transparency, digital services, price/performance, damage/benefit and whether respondents would recommend the company to friends and family.

USAA ranked in the top three in all of the industry categories, taking first place in homeowners and renters. Erie InsuranceERIE +0.1% won awards in all five categories. The Pennsylvania company, which was founded in 1925, started out pioneering the auto insurance business and encouraged its customers to call collect by for claims and policy problems. Today it has 6,000 employees and six million customer offering policies in 12 states. Its stock, Erie Indemnity Company (ERIE) is up 16% year-to-date versus a 23% decline for the S&P 500.

“Consistency and a near-myopic focus on our members is what truly sets us apart,” said USAA spokesman Bradley Russell. “We listen to our members, act in their best interest and make business decisions with them in mind.”

Among the winners in homeowners coverage, Farm Bureau Insurance of Tennessee took second place with NJM Insurance third.

In the renters category, Erie Insurance was second and Amica came in third.

USAA is a member-owned association providing insurance, banking, and investment advice to more than 13 million members of the U.S. military, veterans, and their families.

“As a direct-to-consumer business with very little member-facing physical presence, we have integrated technology into everything that we do,” said Russell. “Our members are located all around the world and rely on technology in order to interact with us. In fact, 97% of our member transactions are digital.”

The rapid move to digital has increased service expectations among consumers, forcing companies to adapt or suffer. Clients want certain transactions to be paperless and are partial to the convenience of logging into an app. Yet, other times they want to talk with someone who will listen and provide advice.

“Consumers now expect to be able to do what they want, where they want and when they want—all in the method they prefer, whether it’s digital, over the phone, or in-person,” said Terry Rasmussen, president and chief executive officer of Thrivent, a private financial-services company in Minneapolis.

Thrivent took the top spot in the term-life category. It served 2.3 million clients and held $189 billion in assets under management at the end of 2021. It told Forbes that total revenue last year was $10.3 billion.

USAA came in second place in term life and Farm Bureau Financial Services took third. One reason Farm Bureau insurance companies get good marks is because anyone can pay a low annual fee to join their state’s Farm Bureau–an insurer and lobbying group for U.S. agriculture–and get insurance at a much lower price than rivals charge.

In the Permanent Life category, 132-year-old, Omaha-based WoodmenLife captured first place. Patrick Dees, chief executive of the not-for-profit fraternal life insurance company, attributed its award to its commitment to volunteerism and community support.

Amica scored second place with USAA coming in third.

Fintech Lemonade took the top spot in Auto, with USAA second, followed by Kentucky Farm Bureau Insurance.

As the poster child for digital change, Lemonade (LMND) uses artificial intelligence and bots to sell insurance for much lower premiums. It tightens the link with clients by returning unused premiums to community nonprofits. Despite its popularity with customers, the $171 million (TTM revs) has been bleeding red ink for years. Like other fintechs, its stock performance has been dismal–down 68% in the last year.

In addition to technology, inflation has had a big effect on boh auto and homeowners insurers. Auto providers are paying more for replacement parts and new vehicles. Homeowners’ insurers are paying more for lumber and labor. In addition, the frequency and severity of auto accidents grew last year vs. 2020.

“Insurers have had difficulty making profits,” said Barry of III. “Given the growing dollar amounts of their claim payouts and the volatility in the financial markets, it has become harder to be profitable.”

In addition, severe weather events, such as hurricanes, are increasing in number with claims getting more expensive.

“Insurers are trying to hold the line as everything they pay for goes up. It makes for a challenging environment,” said David Snyder, vice president of the American Property Casualty Insurance Association (APCIA), an industry trade group with 1,200 members. “Insurers right now are facing a unique combination of increasing events with increasing costs for each event. More claims and lower profits are putting pressure on insurers.”

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