Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jun 11, 2019

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Encompass Insurance is a name that many people do not recognize, but the company from which the present insurer grew has actually been around since 1897.

In that year, the Continental Assurance Company was formed in Detroit to insure railroad workers against accidents and provide them with health coverage. Through several permutations, the company became CNA, which was acquired by Allstate in 1999 and renamed “Encompass.”

While it may seem odd for one insurance company to purchase another, and then rename it and continue to sell insurance in competition with its own, there was a reason for this maneuver.

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Allstate envisioned that Encompass would provide the highly-specialized lines which Allstate’s regular policies did not offer, and would provide very individualized automobile and vehicle policies.

Today, Encompass does exactly that. It is one of the few auto insurance companies that offers truly tailored coverage for almost any need.

Encompass’s “Universal Security Policy” allows you to create a unique insurance “policy” that contains coverage for all of your individual needs, including auto, marine, motorcycle, recreational vehicle, and business vehicles.

Encompass operates through a network of 3,200 independent agents nationwide. The company has 1,750 employees of its own, and serves over 1.3 million customers. Encompass is based in Chicago, Illinois.

Flexible Auto Insurance from Encompass

Encompass offers a variety of flexible types of auto insurance. The company allows you to choose from liability, uninsured motorists, property damage protection, and collision and comprehensive.

Further, you can add certain types of supplemental coverage, such as trip interruption, which will pay your expenses if your car is disabled during a trip, and coverage for your installed electronic devices, such as CD changers and video equipment.

Encompass advertises itself as having “hassle-free” claims service, and the company’s focus is indeed on managing claims for its customers. The company operates a 24-hour-a-day, 365-days-a-year claim center, and also gives vendor referrals to customers whose cars need repairs.

Encompass offers “Easy Pay” options as well, including locked-in yearly rates, monthly billing, and online payment services. You can also file or track a claim through the company’s website, and find a local agent to learn more about the cost of auto insurance for your particular unique profile.

Encompass Auto Insurance Discounts

Auto insurance discounts are also one of Encompass’s ways of providing better prices and options for its customers.

Encompass offers a safe driving bonus each year, as well as discounts for senior drivers, academic discounts for good students, accident-free discounts and accident forgiveness, and discounts for safety equipment.

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Encompass Custom Service Ratings

Encompass touts its customer service, citing a 95.6% customer satisfaction rating from the “Encompass Customer Loyalty and Tracking Survey” of 2009.

However, J.D. Power and Associates, an independent assessment firm, gives the company a far different rating in 2010. The Power survey shows customer satisfaction at “below average,” with below average ratings in every category except “contacting the insurer,” which had an “average” rating.

Encompass’s score on the 2010 J.D. Power Customer Satisfaction Index was 756, well below the national average of 790, and placing it 29th of the 33 companies covered in the survey.

Of course, there can be a variety of reasons for this type of rating, but it does seem to indicate that customer satisfaction with Encompass is not as high overall as the company would like to portray. Interestingly the parent company, Allstate, fared far better, with at least an “average” rating in all but one category.

Pricing may have something to do with this low rating, as well. While Encompass bills itself as a company that caters to individual needs, this can sometimes mean covering high-risk drivers or those who would find it difficult to buy insurance elsewhere.

It stands to reason that any company insuring these types of drivers will have to charge more for policies, and will have to deny more claims and investigate many claims more closely. This can often lead to a downturn in customer loyalty and satisfaction.

Whatever the reasons for the low customer satisfaction ratings, Encompass continues to build its customer base on the premise of good customer service and meeting unique customer needs.

As the company is so new, it may take a few years for it to “grow into” its full role in the insurance industry, so some customers may find it worth the risk to try the company out, especially if they have individual insurance needs that are not being met by other companies.

To find Encompass insurance products, you can visit the company’s website and locate a local independent agent who can answer your questions and work with you to craft an individual policy which will satisfy your insurance needs.

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