Co-operative Insurance Company Review 2023

Trusted Choice's Co-operative Insurance Companies Score

4 Stars

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Trusted Choice rates Co-operative Insurance Companies a final rating of 4 out of 5 stars. The insurance company is highly rated by AM Best and the Better Business Bureau (BBB). They offer several forms of coverage for businesses and individuals.

Customer feedback for Co-op seems to be mostly positive. The carrier offers 24/7 claims reporting and has several discounts available. Overall, we do recommend looking into Co-operative Insurance Companies with the help of an independent insurance agent to be your next trusted carrier.

Co-operative Insurance Companies Pros & Cons:

Pros:	Cons:
High ratings by AM Best and the BBB	Not BBB accredited
Personal and business coverages offered	Not much detail about exact discounts provided
Several discounts available	Somewhat limited social media presence
Long-standing history in the insurance industry
24/7 claims reporting

Founded in 1915, Co-operative Insurance Companies, or Co-op, has been in the insurance industry for more than a century. The carrier sells several types of personal and business coverages, including home insurance, flood insurance, workers' comp, and auto insurance. The carrier's headquarters is in Middlebury, VT.

Co-op claims to have written more than $86.7 million in premiums last year. The carrier originally focused on farm insurance, but over time has greatly expanded its catalog. Today, the insurance company has more than 75,000 total policies in force.

Thanks to their extensive history in the insurance industry and large catalog of products, Co-operative Insurance Companies has earned a reputation over time as a reputable and financially sound insurance company. AM Best gives Co-op an overall “A” rating, indicating the carrier is an excellent choice.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 

Co-operative Insurance Companies Specializes in these Industries:

Small Business

Stay protected against the costs of liability and property damage claims with reliable insurance for your small business.

Agriculture/Farm & Ranch

Protect your machinery, livestock and commercial property for your agribusiness with tailored farm & ranch insurance.

Veterinarians

Get coverage against the potential risks and vulnerabilities that you face every day with veterinarian insurance.

Restaurants

From liquor liability to commercial auto coverage, keep your restaurant protected with the right type of insurance policies.

Hospitality

Protect your clients and cover your business against food poisoning, theft and other risks with hospitality insurance.

Contractors/Construction

Get liability protection against unpredictable accidents, hazards and bodily injuries with contractor or construction insurance.

Retailers

Get coverage against slip-and-falls, property damage and other common risks with reliable insurance for your retail business.

Barber Shops & Beauty Shops

Avoid costly lawsuits from accidents and injuries with reliable insurance for your barber shop and/or beauty shop.

Hotels and Motels

Get coverage against mold, contaminants and other potential risks to your guests with insurance for your hotel or motel.

Self Storage Facilities

Avoid the cost of liabilities to your client's property and stay protected with insurance for your self storage business.

Co-operative Insurance Companies Personal Coverage Types:

Identity Fraud

Auto

Renters

Condo

Farm

Umbrella

Mobile Home

Earthquake

Home

Co-operative Insurance Companies Homeowners Insurance

Homeowners insurance from Co-op can help you protect your property against numerous disasters, including vandalism and lightning strikes. The coverage offered by Co-op includes core protections you can expect to find in a homeowners policy from any carrier. 

Coverage types, features, and benefits:

Loss of use

Co-op's loss of use coverage can pay for hotel stays, takeout meals, and more unexpected costs if you get displaced from your home due to a major disaster like a fire. Coverage is in effect as long as covered home repairs are underway.

Personal property

Co-op's personal property coverage can help pay to repair or replace your personal belongings, like clothing, if they get stolen, lost, damaged, or destroyed. Covered disasters include theft, fire, lightning, and more.

Dwelling

Co-op's dwelling coverage can help pay to rebuild or repair your home's structure if it gets damaged or destroyed by a covered peril. Covered disasters include lightning, fire, vandalism, falling objects, etc.

Liability

Co-op's liability coverage can help homeowners pay for lawsuit costs if a neighbor, guest, or another third party sues them for bodily injury or personal property damage. Attorney, court, and other legal fees are covered.

Co-operative Insurance Companies Home Insurance Average Prices

Co-operative Insurance Companies does not make its home insurance rates readily available online without asking an agent for a quote. However, an independent insurance agent can help you find specific quotes for the exact amount of home insurance you need, and also compare quotes from multiple carriers for you.

Co-operative Insurance Companies Auto Insurance

Co-op offers both personal and commercial auto insurance. The insurance company does not provide much information about its specific auto coverages, but you can expect to find at least the following types of coverage available to create your auto insurance policy through the carrier.

Coverage types, features, and benefits:

Liability

Auto liability coverage can help pay for property damage or bodily injury you cause third parties with your vehicle, as well as possible lawsuit costs.

Comprehensive and collision

Comprehensive auto coverage can help pay for damage caused by threats other than collision, such as theft, windshield breakage, crashes involving large animals, etc. Collision coverage reimburses for physical damage to your vehicle after an accident, whether you're at fault or not.

Uninsured/underinsured motorist

Uninsured/underinsured motorist coverage can help pay for the costs of physical damage to your vehicle or for injury treatments for you or your passengers if you get struck by another driver who lacks adequate coverage of their own.

Co-operative Insurance Companies Auto Insurance Average Prices

Co-operative Insurance Companies does not make its auto insurance rates readily available online without asking an agent for a quote. However, an independent insurance agent can help you find specific quotes for the exact amount of auto insurance you need, and also compare quotes from multiple carriers for you.

Connect with a Co-operative Insurance Agent Today.

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What Discounts Does Co-op Offer?

Co-op offers several discounts on many of its products. Here are just a few they advertise for their auto insurance:

Co-op does not provide further details about how to qualify for these discounts, or how much they'll save you on your coverage. For more information about Co-op's discounts, work with an independent insurance agent. Independent insurance agents work hard to get you the most affordable coverage.

Co-op Customer Service

Here's a breakdown of Co-op's customer service options and availability:

To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

Co-operative Insurance Companies Customer Reviews

Reviews.io

Very helpful information when taking out my insurance for my car and very competitive prices. -October 2022

Reviews.io

Co-op was great to deal with, easy, helpful, and honest. They were really helpful over my NO FAULT claim and made sure I was still mobile. This was important to me being disabled. They were the cheapest on the market when I needed a cheaper\new insurer. -September 2022

Reviews.io

Really excellent service and brilliant prices. -August 2022

Reviews.io

Has been a decent insurance policy. Used for what was needed to be legal on the road and affordable compared to other quotes I received. Hopefully I can stay with them again next time around. -July 2022

Reviews.io

So far, so good communication is brill[iant] plus you get to speak to someone not a machine. -April 2022

Co-operative Insurance Companies FAQ