Encompass
Encompass Insurance Company of America is a wholly-owned Allstate subsidiary headquartered in Northbrook, USA, providing personal auto and home insurance products to U.S. consumers since 1982.
- Company typePrivate
- Founded1982
- HeadquartersNorthbrook, United States
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What Encompass does
Encompass Insurance Company of America is a personal lines insurance carrier and wholly-owned subsidiary of Allstate Insurance Company, headquartered in Northbrook, United States. Founded in 1982 and operating as a private for-profit entity with 501-1000 employees, the company provides auto and home insurance products to individual consumers in the United States under the Encompass Insurance brand. Its offerings sit within Allstate's broader portfolio of insurance subsidiaries.
The company sells personal property and casualty coverage — primarily auto and home — through what appears to be a mix of independent agent and Allstate-affiliated distribution channels. A December 8, 2025 Louisiana Department of Insurance approval granted a 15% rate decrease affecting 1,516 policyholders in the state, attributed to tort reform and reduced accident frequency; the action reversed years of prior double-digit increases. The case illustrates Encompass's exposure to state-level rate regulation and pricing dynamics, particularly in high-cost markets.
Encompass operates within a corporate structure in which Allstate provides capital, strategic direction, and distribution leverage. Its core technology stack, pricing tiers, and direct GTM motion are not publicly disclosed. No AI/ML capabilities, patents, or proprietary underwriting platforms are described in the available data. Revenue, headcount trends, and product launch cadence are likewise not disclosed, limiting forward-looking assessment of the subsidiary's competitive trajectory.
Encompass firmographics
Firmographics- Name
- Encompass
- Legal name
- Encompass Insurance Company of America
- Website
- https://encompassinsurance.com
- Company type
- Private
- Founded year
- 1982
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Encompass Insurance Company of America is a wholly-owned Allstate subsidiary headquartered in Northbrook, USA, providing personal auto and home insurance products to U.S. consumers since 1982.
- Ownership category
- akta.pro rank
Encompass industry classification
Industry- Product category
- Personal Property and Casualty Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Personal Umbrella Insurance (FSAJANAA)
Keywords
Where Encompass is headquartered
LocationHeadquarters
- HQ city
- Northbrook
- HQ country
- United States
- HQ region
- North America
Markets served
Encompass business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D
Encompass product offering
Product offeringCore offering
Encompass is a national personal insurance company that sells auto and home insurance products to individual consumers in the United States through the Encompass Insurance brand. Operating as a wholly-owned subsidiary of Allstate Insurance Company, the company underwrites personal property and casualty policies, with operations centered on the Encompass Insurance Company of America entity.
Product overview
Encompass Insurance is an Allstate subsidiary specializing in auto and home insurance products. The primary product identified is Encompass Insurance Company of America, which offers auto insurance coverage to policyholders. The company operates as part of Allstate's insurance portfolio, providing personal lines insurance products.
Differentiator
Problem solved
Functional benefit
Products and services
- Encompass Auto Insurance Personal auto insurance coverage offered to individual consumers in the United States, underwritten by Encompass Insurance Company of America and sold through independent agents.
- Encompass Home Insurance Personal home (property) insurance coverage for individual homeowners, offered by Encompass as part of its personal lines insurance portfolio.
Companies that use Encompass
Customer profileSegments1 record
Ideal customer profiles1 record
Encompass technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Encompass partnerships and signals
Strategic signalScale indicators2 records
Recent moves2 records
Expansion highlights2 records
Encompass competitors and assessment
Company assessmentDirect peers
- Erie Insurance: Regional personal lines P&C carrier with a strong independent agent distribution model. Comparable to Encompass in target market (personal auto and home), agent channel focus, and mid-sized scale, though Erie operates more narrowly in the eastern US.
- Auto-Owners Insurance: Mid-sized mutual personal and commercial lines carrier distributed primarily through independent agents. Directly comparable business model and product mix to Encompass, including personal auto and home as core offerings.
- Hanover Insurance Group: Personal and commercial P&C carrier with significant independent agent distribution and a comparable mid-tier scale. Overlaps directly with Encompass on personal lines products and agent-led go-to-market.
- Cincinnati Financial: Independent agent-focused P&C carrier with personal auto and home as core products. Comparable to Encompass on distribution model and product mix, with similar mid-market scale and conservative underwriting orientation.
- Kemper Corporation: Personal lines P&C insurer with a mix of independent agent and direct distribution. Comparable to Encompass on personal auto/home focus and similar scale tier, though with greater exposure to non-standard auto.
Broad incumbents
- Travelers: Large national P&C carrier offering personal auto and home alongside commercial lines through independent agents. Overlaps with Encompass on personal lines products and agent channel but at significantly greater scale and brand recognition.
- Liberty Mutual: Major national P&C insurer offering personal auto and home through agents and direct channels. Broader incumbent competing with Encompass for the same personal lines customers, but with a much larger portfolio and direct-to-consumer capability.
- Nationwide Mutual: Large mutual P&C carrier with strong personal auto and home franchise distributed through captive agents and independent channels. Comparable personal lines product set to Encompass with far greater scale and direct distribution.
- Allstate: Direct parent company of Encompass and one of the largest US personal lines insurers. Operates in the same personal auto/home category but at national flagship scale with direct, captive-agent, and independent agent distribution.
- Progressive: Largest US personal auto insurer by premium, distributed primarily direct-to-consumer. Competes with Encompass for personal auto customers but via a fundamentally different (direct, digital) distribution model and at much larger scale.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights4 records
Customer concentration
Encompass social profiles
Digital presenceEncompass financial estimates
Financial estimateRevenue estimate
Valuation estimate
Encompass leadership team
Management profileNumber of profiles
Profiles4 records
Encompass funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Encompass M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Encompass
What does Encompass do?
Encompass is a national personal insurance company that sells auto and home insurance products to individual consumers in the United States through the Encompass Insurance brand. Operating as a wholly-owned subsidiary of Allstate Insurance Company, the company underwrites personal property and casualty policies, with operations centered on the Encompass Insurance Company of America entity.
Is Encompass a public or private company?
Encompass is a private company. It is classified as corporate owned and is currently operating.
When was Encompass founded?
Encompass was founded in 1982. It employs 501 to 1,000 people.
Where is Encompass based?
Encompass is headquartered in Northbrook, United States, in the North America region.
Who are Encompass's main competitors?
Direct peers on record are Erie Insurance, Auto-Owners Insurance, Hanover Insurance Group, Cincinnati Financial and Kemper Corporation. Broad incumbents are Travelers, Liberty Mutual, Nationwide Mutual, Allstate and Progressive.
Does Encompass have an API?
No public API is recorded for Encompass.
What industry is Encompass in?
Encompass's product category is Personal Property and Casualty Insurance. Its primary akta.pro industry code is FSAJANAA, Personal Umbrella Insurance. Its NAICS code is 524126 and its SIC code is 6331.