Century Insurance Group
- Company typePrivate
- Founded1978
- HeadquartersWesterville, United States
- Headcount251–500
- GTM typeB2B
- OfferingServices
What Century Insurance Group does
Century Insurance Group, Inc. is a privately held excess and surplus (E&S) lines insurance carrier founded in 1978 and headquartered in Westerville, Ohio, with a secondary office in Scottsdale, Arizona for its Garage division. The company underwrites general liability, commercial property, inland marine, environmental, garage/auto dealers, ocean marine, excess/umbrella, and surety bond coverage for small and mid-sized businesses whose risks are declined by standard admitted carriers. Century operates through three business segments—core commercial, specialty lines underwriting, and specialized programs—and distributes exclusively via a select network of general agents and licensed surplus lines wholesalers across the United States (with some state-level restrictions). The company does not sell directly to insureds.
The company's primary technology asset is Century Online (COL), a proprietary web portal launched in 2006 that allows agents to rate, quote, and bind accounts, supplemented by an API enabling third-party system integration. Century developed its own policy management system in 2002, making it an early technology adopter in the E&S market. The platform is consistently ranked by agents among the top carrier portals in the market. The company generates revenue through insurance premiums collected on a subscription/recurring basis, with annual billing and quote-based pricing determined by individual risk assessment.
Century is a subsidiary of AmeriTrust Group, Inc., itself a division of AF Group, a nationally recognized specialty insurance holding company that acquired Century in 2022 through Accident Fund Insurance Company of America. Prior to AF Group, Century was under AmeriTrust (formerly Meadowbrook), which was acquired by Fosun International in 2015. The company holds an AM Best 'A' (Excellent) rating with Stable Outlook as of 2024. Century employs between 251 and 500 staff, maintains dedicated underwriting teams for each specialty line, and operates with what it describes as a long-tenured agent/broker network where most partners have collaborated with Century for over a decade.
Century Insurance Group firmographics
Firmographics- Name
- Century Insurance Group
- Legal name
- Century Insurance Group, Inc.
- Website
- https://centurysurety.com
- Company type
- Private
- Founded year
- 1978
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
Century Insurance Group industry classification
Industry- Product category
- Excess and Surplus Lines Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Other Direct Insurance (except Life, Health, and Medical) Carriers (524128)
- SIC
- Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Excess Casualty (Lead/Umbrella/XS) (FSAJAGAA)
- akta.pro secondary industries
- Environmental / Pollution Liability (FSAJAGAF), Surplus Lines Property (CAT/High-Hazard) (FSAJAGAB), Commercial Excess Liability (Large Accounts) (FSAJANAG)
Keywords
Where Century Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Westerville
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Century Insurance Group business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Insurance Premium Revenue: Century Insurance Group generates revenue through insurance premiums collected from policyholders. As an excess and surplus lines carrier, they provide specialized insurance coverage for risks that standard insurers typically decline, charging appropriate premiums based on risk assessment.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Quote-based commercial insurance pricing |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
Century Insurance Group product offering
Product offeringCore offering
Century Insurance Group underwrites excess and surplus lines commercial insurance — general liability, commercial property, inland marine, ocean marine, environmental liability, garage and auto dealer coverage, excess/umbrella, and surety bonds — for small and mid-sized businesses. The company distributes exclusively through a select network of general agents, brokers, and licensed surplus lines wholesalers, supported by its proprietary Century Online (COL) web portal and API for agent rate-quote-bind workflows.
Product overview
Century Insurance Group is a premier provider of excess and surplus lines insurance offering a portfolio of specialized insurance products through its platform. The core product offerings include General Liability and Commercial Property as foundational coverage types, supplemented by specialty divisions for Environmental, Garage & Auto Dealers, Ocean Marine, Excess, and Star Surety (surety bonds). The company operates through Century Online (COL), an industry-leading web portal for agents to rate, quote, and bind coverage, supported by a proprietary API that enables third-party system integration. Century serves small to mid-sized businesses through general agents and brokers nationwide.
Differentiator
Problem solved
Functional benefit
Brands
- Star Surety: A division of AmeriTrust specializing in standard surety market with license & permit, probate, and miscellaneous surety bonds.
Products and services
- General Liability General liability insurance for small to medium-sized accounts with limits up to $7,000,000, focusing on premises-driven accounts and contractors with longer tail risks, offered through general agents and surplus lines brokers.
- Commercial Property Commercial property insurance for small to mid-sized fixed property accounts covering buildings, business personal property, business income, and various property types including apartments, churches, grocery stores, and shopping centers.
- Inland Marine Inland marine insurance covering contractor's equipment, motor truck cargo, warehousemen's legal liability, ATMs, bailee coverage, golf carts, machinery, and miscellaneous property.
- Environmental Environmental insurance including Environmental Contractor's and Consultants Liability Package (ENV) and Environmental Business Owners Policy (E-BOP), covering contractors pollution liability, professional liability, site pollution, and property coverage for environmental contractors and consultants.
- Garage & Auto Dealers Garage and auto dealers insurance covering auto liability, general liability, garagekeepers coverage, dealers physical damage, uninsured/underinsured motorists, and motor vehicle coverage for alarm installation, auto repair, body shops, car washes, and auto dealers.
- Ocean Marine Ocean marine insurance for small to midsize accounts with limits up to $5,000,000, covering liability, commercial property, marine general liability, dock physical damage, hull, watercraft, and protection & indemnity for boat dealers, marinas, and marine contractors.
- Excess Excess umbrella insurance with capacity up to $5,000,000, providing excess coverage over underlying limits for apartments, restaurants, farms, schools, artisan contractors, warehouses, and various commercial risks.
- Star Surety Standard surety bond program under AmeriTrust offering license & permit bonds, probate bonds, and miscellaneous surety bonds for contractors and construction-related companies.
- Century Online (COL) Portal Industry-leading web portal allowing agents to rate, quote, and bind Century accounts quickly within their authority, consistently ranked among top carrier portals by agents and supporting the General Agency Group and Garage Division.
- Century API Application Programming Interface exposing Century's rating engines, including Class Listing Service, Indication API (property/GL rates, minimum premiums, mandatory forms, risk appetite, validation), and Quote Service, allowing agents and vendors to integrate Century rates and forms into their own systems.
Companies that use Century Insurance Group
Customer profileSegments6 records
Ideal customer profiles2 records
Century Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Century Insurance Group partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- AF GroupcoreParent holding company. Century Insurance Group is a division of AF Group, a nationally recognized holding company whose affiliated insurance brands are premier providers of specialty insurance solutions. Acquired by AF Group in 2022 through its subsidiary, Accident Fund Insurance Company of America.
- AmeriTrust Group, Inc.coreAmeriTrust Group, Inc. is a division of AF Group. Century Insurance Group is a subsidiary of AmeriTrust Group, Inc. AmeriTrust acquired Century in 2008, and the company now operates under the AF Group umbrella.
- WSIA (Wholesale & Specialty Insurance Association)minorCentury Insurance Group is a proud member of WSIA, the Wholesale & Specialty Insurance Association, demonstrating their commitment to the E&S insurance industry.
Scale indicators3 records
Recent moves13 records
Expansion highlights5 records
Century Insurance Group competitors and assessment
Company assessmentBroad incumbents
- Markel Group: Markel is a leading specialty insurer with a large E&S and excess casualty practice serving small-to-mid commercial and complex risks through wholesale brokers. Directly comparable to Century's E&S excess casualty and specialty division strategy, but at much greater scale.
- W. R. Berkley Corporation: WR Berkley operates numerous specialty E&S insurance subsidiaries writing small commercial excess, surplus, and specialty lines through wholesale distribution. Highly comparable to Century's overall E&S model, though Berkley operates at far greater scale and product breadth.
Direct peers
- RLI Corp: RLI is a specialty P&C insurer with significant E&S small commercial business distributed through wholesale brokers. Has overlapping product lines (excess, property, surety) and similar niche specialty focus comparable to Century's specialty divisions.
- Capitol Specialty Insurance Corporation: Capitol Specialty is an E&S carrier writing small commercial excess casualty, property, and specialty lines through wholesale distribution. Comparable to Century in scale, target market, and product mix within the small commercial E&S segment.
- Kinsale Capital Group: Kinsale is a pure-play E&S specialty insurer focused on small-to-mid commercial excess & surplus lines distributed exclusively through brokers. Operates a tech-forward underwriting platform similar to Century's COL/API approach and targets the same surplus lines customer base.
- James River Group Holdings: James River Group writes specialty E&S and excess casualty insurance for small-to-mid commercial accounts through wholesale and excess & surplus lines brokers. Closely comparable to Century in target market, distribution model, and product mix.
- Hallmark Financial Services: Hallmark Financial writes specialty commercial and E&S insurance through wholesale producers with focus on small-to-mid commercial excess and specialty lines. Comparable target market and distribution model to Century.
- Scottsdale Insurance (Nationwide E&S): Scottsdale Insurance is Nationwide's dedicated E&S carrier, writing small commercial excess and surplus lines through wholesale agents with multi-line specialty capabilities. Direct competitor to Century in the small commercial E&S space with overlapping product offerings.
Emerging players
- SkyCover Insurance: SkyCover is a technology-driven specialty E&S insurer focused on aviation and niche commercial lines distributed through agents. While smaller and more niche, it represents the emerging tech-enabled E&S carrier model comparable to Century's API-driven distribution approach.
Others
- AF Group (parent): AF Group is the parent holding company that owns Century (since 2022) and other specialty insurance brands including Accident Fund. As the corporate parent, AF Group provides the strategic context for Century's operations, capital backing, and cross-sell opportunities with workers' comp and other specialty lines.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Century Insurance Group social profiles
Digital presenceCentury Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Century Insurance Group leadership team
Management profileNumber of profiles
Profiles15 records
Century Insurance Group subsidiaries and ownership
Company hierarchySubsidiaries1 record
Century Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Century Insurance Group 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 Century Insurance Group
What does Century Insurance Group do?
Century Insurance Group underwrites excess and surplus lines commercial insurance — general liability, commercial property, inland marine, ocean marine, environmental liability, garage and auto dealer coverage, excess/umbrella, and surety bonds — for small and mid-sized businesses. The company distributes exclusively through a select network of general agents, brokers, and licensed surplus lines wholesalers, supported by its proprietary Century Online (COL) web portal and API for agent rate-quote-bind workflows.
Is Century Insurance Group a public or private company?
Century Insurance Group is a private company. It is classified as corporate owned and is currently operating.
When was Century Insurance Group founded?
Century Insurance Group was founded in 1978. It employs 251 to 500 people.
Where is Century Insurance Group based?
Century Insurance Group is headquartered in Westerville, United States, in the North America region.
How does Century Insurance Group make money?
One revenue line is on record: insurance Premium Revenue.
Who are Century Insurance Group's main competitors?
Broad incumbents on record are Markel Group and W. R. Berkley Corporation. Direct peers are RLI Corp, Capitol Specialty Insurance Corporation, Kinsale Capital Group, James River Group Holdings, Hallmark Financial Services and Scottsdale Insurance (Nationwide E&S). SkyCover Insurance is listed as an emerging player. AF Group (parent) is listed as an others.
Does Century Insurance Group have an API?
Yes. Century provides an Application Programming Interface (API) where vendors or agents can digitally connect to rates and form lists from the same engines that support Century Online. The API services include: Class Listing Service (resource to look up Century's proprietary class IDs, ISO class code and description filters, class footnotes), Indication API (property rates, general liability rates, minimum premiums, mandatory forms list with hyperlinks, risk appetite/authority, NAIC code, validation messages, quotes nearest to available options), and Quote Service (returns a quote number and hyperlink to COL for finishing the quote). Developer documentation is at centurysurety.com/api-information.
What industry is Century Insurance Group in?
Century Insurance Group's product category is Excess and Surplus Lines Insurance. Its primary akta.pro industry code is FSAJAGAA, Excess Casualty (Lead/Umbrella/XS), with a secondary code of FSAJAGAF, Environmental / Pollution Liability. Its NAICS code is 524126 and its SIC code is 6399.