American Hardware Auto Insurance

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Company Details
Address:

471 East Broad Street, Suite 200

City:
Columbus
State:
OH
ZIP Code:
43215
Phone Number:
614-225-8211
Year Founded
1899
AM Best Rating:
Company Rating 0 (0 reviews)

Things to remember...
  • American Hardware Mutual Insurance Company focuses on property and casualty business lines including auto, liability and worker’s compensation underwriting
  • The firm operates in about 35 states, including the Northeast, West, and Midwest regions of the United States
  • American Hardware Mutual offers insurance products to hardware stores, car dealers, boat dealers, repair and collision shops, and niche businesses

This review looks at Minnetonka, Minnesota-based American Hardware Mutual Insurance Company. Focused on commercial property & casualty business lines, including auto, specialty, liability, and workers’ comp underwriting, American Hardware Mutual Insurance serves the needs of small to medium-sized companies.

Paying for auto insurance isn’t a luxury; it’s a necessity for drivers to purchase auto insurance in every state except one.

The firm operates in about 35 states, including the Northeast, West, and Midwest regions of the United States. In 1993, American Hardware Mutual was acquired by The Motorists Insurance Group.

American Hardware Auto Insurance Agents

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American Hardware Mutual employs about 450 people. The company’s employed sales representatives sell almost all of the company’s policies. American Hardware Mutual, like its name implies, insures hardware stores, car dealers, boat dealers, repair and collision shops, and niche businesses.

American Hardware Mutual offers insurance products to hardware stores, car dealers, boat dealers, repair and collision shops, and niche businesses.

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American Hardware Auto Insurance Contact Information

American Hardware Mutual offers 24-hour, 7 days per week customer service. Contact the:

  • Customer Service Center at 1-800-922-6757.
  • Dedicated claims filing number is 1-800-876-8766
  • Mail address: American Hardware Mutual Insurance Company headquarters at 5605 Green Circle Drive, Minnetonka, Minnesota 55343
  • Corporate headquarters toll-free at 1-800-544-8400

The company maintains regional offices in South Windsor, Connecticut; Albany, New York; Vernon Hills, Illinois; Derry, New Hampshire; Turlock, California; Exton, Pennsylvania; Big Flats, New York; Pittsburgh, Pennsylvania.

In addition, you can find satellite locations throughout the United States, so a quick look on the company’s website should guide you in the right direction.

American Hardware Auto Insurance Competitive Market

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American Hardware Mutual competes with the following companies:

  • ACE Limited
  • American Financial Group

  • Liberty Mutual
  • CNA Financial
  •  Nationwide
  • Travelers Companies
  • Western National Mutual
  • The Hartford/Hartford Financial Services Companies

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American Hardware Auto Insurance Financials

American Hardware Mutual Insurance was founded in 1899. The company is owned by Motorists Insurance Group. The firm generated 2010 sales of $123.61 million and earned net income of about $1.54 million for the fiscal year ended December.

When comparing insurance companies, it’s a good idea to research their financial strength.  IA.M Best provides consumers with update-to-date financials on most insurance companies.

Motorists Insurance Group

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American Hardware Mutual’s parent company, Motorists Insurance Group, is headquartered in Columbus, Ohio. The company underwrites and sells business, home, and auto insurance policies. The company’s major customer base resides in Ohio.

Motorists Insurance maintains affiliate relationships with Iowa Mutual Insurance, which is focused on Nebraska. They also affiliated with Illinois markets, and Wilson Mutual is focused on Minnesota and Wisconsin customers.

In 2009, Motorists Insurance and Phenix Mutual Fire Insurance created an affiliate arrangement to enable Motorists Insurance Group to access property & casualty customers in South Carolina and New England.

Unlike American Hardware Mutual’s proprietary sales and distribution agent network, Motorists Insurance Group uses a national network of independent brokers and agents.

The company sells standard auto insurance policies. MICO Insurance Company, a wholly-owned subsidiary, underwrites and markets nonstandard auto insurance policies. Although the company’s focus is property & casualty insurance, it sells life insurance via the Motorists Life Insurance unit.

Founded in 1928, Motorists Insurance Group is a privately-held mutual insurance company. The company employs about 772 people according to Dun & Bradstreet.

The company maintains offices in Columbus, Ohio; Dayton, Ohio; Olmsted, Ohio; Uniontown, Ohio; Indianapolis, Indiana; Cincinnati, Ohio; Columbus, Ohio; and Monroeville, Pennsylvania.

The company competes directly with auto insurance companies like:

The firm competes with Allied Group, Erie Indemnity, Erie Insurance Exchange, Geico, Grange Mutual.

Contact Motorists Insurance Group’s corporate office by mail at 471 East Broad Street, Suite 200, Columbus, Ohio 43215, or telephone the company headquarters at 614-225-8211 and 1-800-876-2658.

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