Unitrin Insurance connects a network of regional insurance carriers that provide a range of personal and commercial insurance products to millions of customers across the nation. Unitrin Insurance is comprised of Unitrin Kemper Auto and Home, Unitrin Specialty, Unitrin Business Insurance, and Unitrin Direct.Unitrin Insurance is one the top 100 life insurance providers in the nation and is comprised of the Career Agency Companies and Reserve National.
Unitrin Kemper Auto and Home provides personal automobile, homeowners, inland marine, boat owners, dwelling fire and personal umbrella insurance to preferred and standard-risk customers. Unitrin Kemper Auto and Home’s premier product, the Package Plus, is a combined automobile and homeowners insurance policy that provides the convenience of one transaction and billing process to fulfill individual insurance needs. Unitrin Kemper Auto and Home operates in approximately 39 states and has over 2,000 independent agents as its sales force.
Unitrin Insurance Specialty provides personal and commercial, nonstandard automobile insurance to individuals and businesses through more than 8,500 independent agents/brokers in 22 states. Unitrin Specialty has over 750 employees in three offices (Dallas, Texas; Woodland Hills, California; and Salem, Oregon) and is committed to becoming the friendly, people-focused automobile insurance company, while growing profitably through strong relationships with our agents. Unitrin Specialty’s primary emphasis is on becoming the most valued non-standard automobile insurance company in the independent agent market.
Unitrin Insurance markets auto insurance primarily through direct mail, Web insurance portals, “click- throughs,” its own Web site and television advertising. Unitrin Direct actively sells auto insurance in 18 states geographically dispersed throughout the United States. Unitrin Direct writes a broad spectrum of auto insurance risks ranging from preferred to non-standard private passenger auto customers. The overall business strategy of Unitrin Direct places great emphasis on competitive pricing and quality customer service. Unitrin Direct’s insurance products accounted for approximately 12% of the aggregate insurance premium revenues of Unitrin’s property and casualty insurance business in 2005.
Unitrin Business Insurance, our business unit formed at the beginning of 2005, services commercial customers in 30 states, with a geographic emphasis in the south, northwest, and midwest. Unitrin Business Insurance is a Dallas-based unit primarily selling commercial automobile, general liability, commercial fire, commercial multi-peril and workers compensation insurance. Products are marketed by over 1,200 independent insurance agencies. These commercial products are designed and priced for those businesses that have demonstrated favorable risk characteristics and loss history.
Southern States General Agency Southern States is a regional agency that provides a complete selection of surplus-specialty property and casualty insurance products. These products include all specialty-surplus commercial cover, as well as mobile homes and dwelling fire on the personal lines side. Southern States serves independent insurance agents in Louisiana, Arkansas, Texas, and Mississippi.
The Career Agency Companies, United Insurance, Union National, and Reliable Life, employ a field force of nearly 2,500 career agents in 25 states. Our family of career agents provide service to customers in their homes and offer personalized, affordable life and specific property-damage insurance products developed for individuals and families with household incomes of less than $25,000 . The home office staff of nearly 500 supports the efforts of the agents and field management.
Reserve National is our Oklahoma City-based independent agency company that distributes its products in 31 states through a network of approximately 250 exclusive independent agents and provides accident and health insurance coverages to individuals and small business owners primarily in rural areas with limited access to the benefits plans of larger markets. Reserve National offers products such as scheduled benefit hospitalization and surgical plans, critical illness, home health care, first-occurrence cancer and heart-attack policies and Medicare supplement insurance.