Patrons Oxford Insurance
Regional property and casualty insurer headquartered in Portland, Maine, offering personal and commercial coverage distributed exclusively through 250+ independent agents, operating as a subsidiary of Quincy Mutual Fire Insurance Company.
- Company typePrivate
- Founded1877
- HeadquartersPortland, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Patrons Oxford Insurance does
Patrons Oxford Insurance Company is a regional property and casualty insurer headquartered in Portland, Maine, tracing its origins to mutual fire insurance companies founded by Maine Grange members in 1876 and 1877. After a 1977 merger of Patrons Mutual and Oxford Mutual and a 1997 conversion to a stock company acquired by Quincy Mutual Fire Insurance Company of Quincy, Massachusetts, Patrons Oxford operates today as a subsidiary within the Quincy Mutual Group. The company serves individuals, families, and small-to-medium businesses across Maine and, per product references, New Hampshire, offering personal lines (homeowners, mobile homeowners, personal automobile, personal umbrella, renters) and commercial lines built around the Businessowners Policy (BOP) for office and mercantile accounts, complemented by cyber liability, commercial auto, EPLI, equipment breakdown, and commercial umbrella endorsements.
The business is distributed exclusively through a network of over 250 independent insurance agents across Maine, with no direct-to-consumer sales channel. Technology is described as standard P&C industry infrastructure — policy management, claims processing, and billing platforms integrated with Quincy Mutual systems — with no proprietary AI, app, or public API surface. Revenue is generated through insurance premiums collected via monthly, annual, or multi-year billing cycles, with pricing quote-based and not publicly disclosed aside from a $500 minimum premium on the BOP and specific cyber liability price points. The company holds an A+ Superior AM Best financial strength rating and ranks among the top ten auto and homeowner writers in Maine.
Patrons Oxford Insurance firmographics
Firmographics- Name
- Patrons Oxford Insurance
- Legal name
- Patrons Oxford Insurance Company
- Website
- https://patrons.com
- Company type
- Private
- Founded year
- 1877
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Regional property and casualty insurer headquartered in Portland, Maine, offering personal and commercial coverage distributed exclusively through 250+ independent agents, operating as a subsidiary of Quincy Mutual Fire Insurance Company.
- Ownership category
- akta.pro rank
Patrons Oxford Insurance industry classification
Industry- Product category
- Property and Casualty Insurance
- NAICS
- Insurance Carriers and Related Activities (524)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Public Liability (Premises/Operations) (FSAJADAD)
- akta.pro secondary industry
- Renters Insurance (FSAJACAB)
Keywords
Where Patrons Oxford Insurance is headquartered
LocationHeadquarters
- HQ city
- Portland
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Patrons Oxford Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D, Others
Revenue model
- Insurance Premiums: Patrons Oxford generates revenue through insurance premiums collected from policyholders. The company offers personal insurance products (homeowners, automobile, umbrella) and commercial insurance products (business property, liability, cyber liability, commercial auto). Premiums are collected through various payment plans including monthly, annual, or multi-year billing cycles.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Businessowners Policy minimum premium |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels3 records
Patrons Oxford Insurance product offering
Product offeringCore offering
Patrons Oxford Insurance is a regional property and casualty insurer that sells personal lines (homeowners, mobile homeowners, personal automobile, personal umbrella, renters) and commercial lines (Businessowners Policy, business property and liability, cyber liability, commercial auto) insurance products. All policies are sold exclusively through a network of over 250 independent insurance agents operating across Maine, with billing and claims servicing supported by integrated technology platforms connected to its parent, Quincy Mutual.
Product overview
Patrons Oxford Insurance offers a portfolio of personal and commercial property/casualty insurance products distributed exclusively through over 250 independent insurance agents in Maine. Personal insurance products include Homeowners, Mobile Homeowners, Personal Automobile, Personal Umbrella, and Renters Insurance, with endorsements for home-based businesses. Commercial offerings center on the Businessowners Policy (BOP) designed for office and mercantile businesses, complemented by Business Property & Liability, Cyber Liability, and Commercial Auto coverage. The BOP can be enhanced with the Presidential Security Endorsement, Equipment and Mechanical Breakdown coverage, EPLI protection, Commercial Umbrella, and built-in Cyber Liability options. The company positions itself as a regional mutual insurer serving Maine and New Hampshire markets since 1877.
Differentiator
Problem solved
Functional benefit
Products and services
- Homeowners Insurance
Companies that use Patrons Oxford Insurance
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles2 records
Patrons Oxford Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Patrons Oxford Insurance partnerships and signals
Strategic signalScale indicators4 records
Recent moves7 records
Expansion highlights4 records
Patrons Oxford Insurance competitors and assessment
Company assessmentRegional players
- Plymouth Rock Assurance: Plymouth Rock is a Northeast-focused personal lines P&C writer (auto, home, umbrella) using a mix of independent and exclusive agents; its New England personal-lines focus overlaps materially with Patrons Oxford's core homeowners/auto book.
- MEMIC (Maine Employers' Mutual Insurance Company): MEMIC is a Maine-based mutual insurer focused on workers' compensation but writing in New England, sharing Patrons Oxford's regional mutual heritage and Maine domiciled distribution focus.
Direct peers
- Patriot Insurance Company: Patriot Insurance is a Maine-domiciled regional P&C carrier writing personal and small commercial lines through independent agents, making it a direct in-market peer competing for the same agents and policyholders as Patrons Oxford.
- Acadia Insurance Company: Acadia Insurance is a New England-focused regional P&C carrier distributing through independent agents with overlapping commercial and personal lines product sets — directly comparable to Patrons Oxford's regional mutual model.
- Erie Insurance Group: Erie is a regional mutual P&C insurer writing personal and commercial lines almost entirely through exclusive and independent agents, providing a strong comparable for agent-channel economics and mutual-led regional underwriting.
- Auto-Owners Insurance: Auto-Owners is a mutual P&C insurer distributed exclusively through independent agents across multiple states; its mutual structure, agent-exclusive model, and full personal/commercial product set closely mirror Patrons Oxford's operating DNA.
- Quincy Mutual Fire Insurance Company: Quincy Mutual is the parent company of Patrons Oxford and shares substantially the same P&C product portfolio, agency distribution model, and New England geographic focus, making it the closest direct peer.
- MMG Insurance (Maine Mutual Group): Maine Mutual Group is a Maine-based mutual P&C insurer writing personal and commercial lines through independent agents in northern New England, directly comparable to Patrons Oxford's market and channel.
Broad incumbents
- Hanover Insurance Group: The Hanover is a large, publicly traded P&C carrier with a strong New England personal and commercial lines franchise through independent agents, competing head-to-head with Patrons Oxford in Maine while operating across many other states.
- Chubb (Federal Insurance Company): Chubb is a global P&C and personal-lines powerhouse whose high-net-worth homeowners, umbrella, and commercial products compete for Maine's more affluent and SMB segments against Patrons Oxford's enhanced BOP and personal umbrella offerings.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Patrons Oxford Insurance social profiles
Digital presencePatrons Oxford Insurance compliance and trust
Trust signalCompliance2 records
Patrons Oxford Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Patrons Oxford Insurance leadership team
Management profileNumber of profiles
Profiles4 records
Patrons Oxford Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Patrons Oxford Insurance 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 Patrons Oxford Insurance
What does Patrons Oxford Insurance do?
Patrons Oxford Insurance is a regional property and casualty insurer that sells personal lines (homeowners, mobile homeowners, personal automobile, personal umbrella, renters) and commercial lines (Businessowners Policy, business property and liability, cyber liability, commercial auto) insurance products. All policies are sold exclusively through a network of over 250 independent insurance agents operating across Maine, with billing and claims servicing supported by integrated technology platforms connected to its parent, Quincy Mutual.
Is Patrons Oxford Insurance a public or private company?
Patrons Oxford Insurance is a private company. It is classified as corporate owned and is currently operating.
When was Patrons Oxford Insurance founded?
Patrons Oxford Insurance was founded in 1877. It employs 11 to 50 people.
Where is Patrons Oxford Insurance based?
Patrons Oxford Insurance is headquartered in Portland, United States, in the North America region.
How does Patrons Oxford Insurance make money?
One revenue line is on record: insurance Premiums.
Who are Patrons Oxford Insurance's main competitors?
Regional players on record are Plymouth Rock Assurance and MEMIC (Maine Employers' Mutual Insurance Company). Direct peers are Patriot Insurance Company, Acadia Insurance Company, Erie Insurance Group, Auto-Owners Insurance, Quincy Mutual Fire Insurance Company and MMG Insurance (Maine Mutual Group). Broad incumbents are Hanover Insurance Group and Chubb (Federal Insurance Company).
Does Patrons Oxford Insurance have an API?
No public API is recorded for Patrons Oxford Insurance.
What industry is Patrons Oxford Insurance in?
Patrons Oxford Insurance's product category is Property and Casualty Insurance. Its primary akta.pro industry code is FSAJADAD, Public Liability (Premises/Operations), with a secondary code of FSAJACAB, Renters Insurance. Its NAICS code is 524 and its SIC code is 6331.