encompass

What encompass does

Encompass Insurance Company is a U.S. personal property and casualty insurance carrier that operates as a wholly-owned subsidiary of Allstate Insurance Company within the Allstate Corporation family. Founded in 1999-2000 when Allstate acquired CNA Financial's personal lines business and rebranded it under the Encompass name, the company is headquartered in Northbrook, Illinois, and is distributed exclusively through a network of more than 2,400 independent insurance agents across the United States.

The product portfolio is organized around the Surround Solutions by Encompass suite, comprising Home & Property Insurance (homeowners, condo, renters, landlord sub-products), Auto Insurance, and Personal Umbrella Insurance, supplemented by Identity Theft Insurance, Roadside Assistance, Claims Service, and subscription-based Allstate Identity Protection offered through InfoArmor, an Allstate subsidiary. The technology stack includes the MyEncompass online self-service portal, MyClaimsPics/Claim Photo Express virtual estimating tools, the Fast Mobile e-Payment claims disbursement system using Bank of America and Zelle rails, and iOS/Android mobile applications for roadside assistance and policy access. Underwriting is conducted through eleven state-domiciled entities, including New Jersey-, Massachusetts-, and Florida-domiciled carriers. The carrier holds an A.M. Best A+ (Superior) financial strength rating on its main underwriting entity.

The business model is built on recurring insurance premiums collected on monthly or annual schedules, with quote-based pricing customized to risk profile, state requirements, and bundling behavior, and discounts spanning multi-policy, claim-free, good student, defensive driver, and Easy Pay automatic payment categories. Distribution is single-channel — exclusive independent agents — with no direct-to-consumer sales, and products are actively marketed in only Iowa, Oklahoma, Nebraska, Idaho, and Texas on the main website, with ten additional states explicitly excluded. Operations are supported from Northbrook, Illinois (headquarters and underwriting), Dallas, Texas (payment processing), and Winston-Salem, North Carolina (National Catastrophe Claims Center).

Name

encompass

Legal name

Encompass Insurance Company

Website

https://encompassinsured.com

Company type

Private

Founded year

1999

Operating status

Operating

Short description

Encompass Insurance Company is a U.S. personal property and casualty insurer operating as a wholly-owned Allstate Insurance subsidiary, serving consumers through 2,400+ independent agents with home, auto, landlord, renters, umbrella, and identity-protection coverage.

Ownership category

akta.pro rank

Product category

Personal Property and Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Personal Umbrella Insurance (FSAJANAA)

akta.pro secondary industries

Personal Excess Liability (High-Net-Worth) (FSAJANAF), Standalone Umbrella Liability (FSAJANAE)

Keywords

• Personal property insurance
• Auto insurance coverage
• Independent agent network
• Personal umbrella liability
• Identity theft protection

Headquarters

HQ city

Northbrook

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Property & Casualty Insurance Premiums: Encompass generates revenue through the sale of property and casualty insurance policies including home, auto, landlord, renters, and personal umbrella coverage. Premiums are collected on a recurring basis (monthly or annual payment options) through various payment methods including online bill pay, automatic Easy Pay Plan deductions, and mail payments. The company operates as part of the Allstate corporation family of companies.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Encompass sells personal property and casualty insurance products — homeowners, renters, landlord, auto, personal umbrella, and identity theft coverage — distributed exclusively through a network of more than 2,400 independent insurance agents across the United States. The company also provides digital self-service tools (MyEncompass portal, mobile apps), claims service with virtual photo estimating, and roadside assistance as part of the offering. Products are available in select states and operate under the Allstate corporate umbrella.

Product overview

Encompass Insurance is a personal property and casualty insurance company that operates as part of the Allstate corporation, distributing products exclusively through a network of over 2,400 independent agents. The product portfolio centers on three core insurance products — Home & Property Insurance (encompassing Homeowners, Renters, and Landlord sub-products), Auto Insurance, and Personal Umbrella Insurance — which together form the Surround Solutions by Encompass suite. These are complemented by Identity Theft Insurance (with optional Allstate Identity Protection subscription), Claims Service, Roadside Assistance, and self-service tools including MyEncompass and the Encompass Easy Pay Plan. The products are designed to be customizable with add-on features and discounts (multi-policy, claim-free, protective devices, etc.) to fit individual coverage needs.

Differentiator

Problem solved

Functional benefit

Brands

• Surround Solutions by Encompass: Brand umbrella for tailored insurance protection solutions including homeowners and personal umbrella policies.
• MyEncompass
• Encompass Easy Pay
• Encompass Claim Photo Express
• MyClaimsPics
• Timesaver Claim Service

Products and services

• Home & Property Insurance Core coverage umbrella that protects homes, condos, rentals, and landlord properties, including dwelling protection, personal property, liability, and additional living expense coverage, with customization options for policyholders.
• Homeowners Insurance (Surround Solutions by Encompass) Flexible homeowners coverage protecting the physical structure of a home, personal belongings, and liability, with optional endorsements such as home sharing, building structure reimbursement extended limits, personal injury, country endorsement, data recovery, and extended premises for 2-4 family dwellings.
• Renters Insurance Covers personal possessions, liability, and additional living expenses for tenants, with features such as building improvements coverage, family liability protection, guest medical protection, scheduled personal property for high-value items, identity theft expense coverage, water backup, and personal property replacement cost reimbursement.
• Landlord Insurance Specialized coverage for rental properties, including dwelling protection, personal property for furniture provided to renters, liability protection, premises medical, fair rental income, and optional features like water backup, building code coverage, fire department charges, loss assessments, functional replacement cost, dwelling in course of construction, building materials theft, theft & burglary, and vandalism.
• Auto Insurance (Surround Solutions by Encompass) Comprehensive coverage for vehicles including bodily injury liability, property damage liability, collision, comprehensive, uninsured/underinsured motorists, medical payments, and automobile death indemnity, with optional features such as accident forgiveness, auto replacement protection, roadside assistance, transportation expense, full safety glass, new OEM parts, trip interruption, audio system coverage, custom equipment, and rideshare coverage. Available in Iowa, Oklahoma, Nebraska, Idaho, and Texas.
• Personal Umbrella Insurance (Surround Solutions by Encompass) Provides additional liability coverage beyond standard auto and home policies, covering bodily injury, property damage, personal injury claims (libel, slander, invasion of privacy), and extends to additional dwellings rented to others. Designed to protect assets and financial futures from unexpected events.
• Identity Theft Insurance Coverage up to $25,000 for recovery costs, lost wages, attorney fees, and loan application fees resulting from identity fraud, paired with optional Allstate Identity Protection subscription plans featuring Allstate Digital Footprint monitoring, comprehensive identity monitoring across credit, financial accounts, social media and dark web, and 24/7 Privacy Advocates for fraud remediation.
• Claims Service Customer-centric claims handling for home, auto, catastrophe, and subrogation claims, offering virtual estimating tools (MyClaimsPics, Encompass Claim Photo Express), Fast Mobile e-Payment options, and a National Catastrophe Team for disaster response.
• Roadside Assistance 24/7 roadside service including towing, fluid service, lockout assistance, minor mechanical services, and concierge services delivered via the Encompass Roadside mobile app with GPS, maps, and satellite location tracking.

Quantifiable outcome

• Exceptional property claims satisfaction ranking above industry standard

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability1 record

Feature5 records

Partnerships

Two partnerships are on record, tiered core and minor.

• AllstatecoreOthersEncompass is a subsidiary and marketing brand of Allstate Insurance Company. Allstate acquired Encompass (formerly CNA personal lines business) in 1999-2000. Encompass underwriting companies are part of the Allstate corporation. Allstate provides financial backing, brand credibility, and shared operational infrastructure including careers network.
• InfoArmor, Inc.minorOEM/ Whitelabel/ Licensing PartnerInfoArmor, Inc., a subsidiary of The Allstate Corporation, offers and services Allstate Identity Protection product available to Encompass customers. Subscription-based identity protection featuring digital footprint monitoring, identity monitoring, fraud remediation, and identity theft reimbursement.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Cincinnati Financial: Independent-agent-focused P&C insurer with personal auto, home, and umbrella products. Closely comparable business model: agent-only distribution, multi-line personal P&C, customizable coverage.
• Erie Insurance: Mid-sized personal and commercial P&C carrier that sells almost exclusively through independent agents, offering auto, home, umbrella and life products. Highly comparable independent-agent distribution model and product mix to Encompass.
• Auto-Owners Insurance: Mutual P&C insurer distributing exclusively through independent agents across personal and commercial lines. Direct peer in agent-only distribution and multi-line P&C product portfolio.
• Hanover Insurance Group: Regional P&C carrier with strong independent-agent distribution in personal and commercial lines. Comparable in product mix (auto, home, umbrella) and reliance on independent agent channel.
• State Auto Group: Regional mutual P&C carrier selling personal and commercial lines predominantly through independent agents. Comparable product mix (auto, home, umbrella) and agent distribution focus.

Broad incumbents

• Nationwide Mutual Insurance: Large diversified P&C and financial services carrier offering personal auto, home, umbrella and life through independent agents and direct channels. Broader portfolio than Encompass but overlapping core personal lines.
• Travelers Companies: Major P&C carrier with strong personal lines book (auto, home, umbrella, identity fraud) sold through independent agents. Overlapping products and independent-agent channel, with materially larger scale.
• Liberty Mutual Insurance: Top-five U.S. P&C carrier with personal lines (auto, home, umbrella) distributed through captive and independent agents and direct. Comparable personal P&C product suite, larger scale and broader distribution.

Emerging players

• Foremost Insurance Group: Specialty personal lines carrier (mobile homes, auto, recreational) selling through independent agents. Overlaps with Encompass on personal auto sold via agents; narrower specialization and footprint.

Others

• Allstate (parent brand): Parent company of Encompass, distributing personal P&C through Allstate Direct/Exclusive agents. Same insurance carrier family but distinct distribution model (captive vs. independent); useful for sizing Encompass within the broader Allstate personal-lines portfolio.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about encompass