The Commerce Insurance Company


The Commerce Insurance Company, formerly known as the Commerce Insurance Group, is a relative newcomer to the U.S. personal insurance market. It was founded in 1972 in Webster, Massachusetts as a small independent firm. It remains headquartered in Webster. Through acquisitions, the company is able to currently sell personal insurance products in eleven states, including California, Massachusetts, New Hampshire, New York, and Ohio.

Commerce sells homeowners insurance policies, as well as personal and commercial automobile policies. They also offer the extremely valuable personal umbrella policy (PUP). Many of the standard policy premium discounts are available; multi-vehicle, safe driving, vehicle safety features and the like.

In spite of the company’s relative small size, it has been ranked among the top fifty property and casualty insurance companies in the United States.

In the event of an accident or loss, claims may be reported directly to Commerce Insurance by telephone or online 24 hours a day, 365 days a year. Like most other U.S. insurance companies, Commerce also has a preferred body shop program for both glass claims and vehicle repairs. Shops are approved for the preferred program based on the quality of the repairs and their customer service. Commerce will back up their body shops’ guarantees with one of their own.

The Commerce Insurance Company’s parent company is MAPFRE S.A., which is the largest insurance group in Spain and in Latin America. MAPFRE S.A. has a presence in forty-three countries and employs over fifty thousand agents around the world.

The Commerce Insurance Company sponsors the roadside assistance programs for Mass Highway and the Mass Pike, similar to that of insurance giant State Farm.

This company’s official website is not as glitzy as many of those belonging to their major competitors, but it is very streamlined and helpful.

After doing some research on the internet, we believe this is a very good insurance company. Although the company has not been around the better part of a century or more like some of their competition, they have been in business for almost forty years. It is indeed an established and successful insurance company. The company has a solid reputation for providing good products, quality customer service and responding to claims in a timely manner. We did not find any valid negative publicity about the company during our research.

This company is prepared for future growth, and they have the required financial assets to position themselves for increased market share. Whether you are an investor, or someone looking for an insurance policy, this is a company to keep your eye on. So before you purchase a policy from a different company, make sure you get a quote from this company, too, assuming that you live within their market area. Comparison shopping is always a good idea, and you might be pleasantly surprised at the quote you receive.

If you have ever worked for the company, or owned a policy with them, we would love to hear from you. What did you think about the Commerce Insurance Company? What did you like? What didn’t you like? How was their customer service? Please share your insights or personal story with the rest of our insurance community. Just fill out the web-form below to get started. Thank you.

This article is written for informational purposes and is not intended to take the place of competent local legal counsel. The writer is not associated with The Commerce Insurance Company or any of its affiliates.

Read more of our insurance company reviews.




Additional articles that may be of interest to you:


The Insurance Claims Handling Process Explained

What To Do When You Have Been Involved In An Accident

The Black Box in Your Vehicle

Why Bother With Purchasing an Insurance Policy?

First Party Insurance Claims vs. Third Party Insurance Claims

Insurance Fraud Indicators

The Insurance Company's Preferred Body Shop Program

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