Mid Continent Auto Insurance Review

There are many different types of Mid Continent insurance policy. The company specializes in general and multi-peril liability insurance policies for businesses, though you can also get commercial and private auto insurance policies.

Overall, Mid Continent is a good choice for business and home owners seeking to get a package deal with a variety of different auto insurance policies.

Each type of insurance policy is middle-of-the-road with regard to prices and features, though you might be able to find a good deal if you get multi-peril or general insurance coverage.

Mid Continent’s Specialty

Mid Continent’s target customers are actually insurance companies, as Mid Continent’s specialty is underwriting both personal and commercial insurance policies. It works through insurance brokers to offer its insurance lines to the public. The company culture is all about building relationships between insurance companies and customers, and Mid Continent’s main point of pride is its personalized yet consistent service.

According to company reports, approximately 63 percent of Mid Continent business is dedicated to multi-peril insurance policies. About 18 percent of the business consists of general liability coverage, while the remaining services consist of auto, fire, and other types of policy. It is important to note that multi-peril policies often include two or more of said policy types as well as additional coverage options.

Where ratings are concerned, Mid Continent is a steadily middle-of-the-road business. It maintains a B+ rating from the financial solvency agency A.M. Best, and it is not accredited with the customer service rating agency Better Business Bureau. This does not necessarily indicate poor levels of customer service.

Additional Services

Other limited services offered by Mid Continent include commercial auto insurance (5%), commercial fire insurance (3%), private auto insurance (3%), homeowner’s insurance (2%), garage insurance (2%), group home liability (2%), inland marine insurance (1%) and residential fire insurance (1%). These and other services may be rolled into a multi-peril deal, which is often less expensive than purchasing each type of coverage individually from different providers.

Multi-peril insurance coverage may also include general liability insurance, which protects against unexpected accidents of all sorts. Some companies prefer to only purchase general liability insurance from Mid Continent, as the company specializes in providing “wide tent” insurance. However, if you’re looking for auto insurance, you will need to get the multi-peril policy or just purchase a vehicle policy on its own.

Special Auto Insurance Programs for Farmers

Farmers across the Midwest comprise a large portion of those seeking cheap auto insurance from Mid Continent. Many specialized risks are associated with farm vehicles, and farmers also have other insurance needs. Fire, flooding, or tractor breakdowns may cause a farmer to miss a narrow window of opportunity for planting or harvesting, which may cause the entire year’s crops to be ruined. Furthermore, if farmers are just renting equipment for a few days, Mid Continent can assist with all the paperwork and claim resolution.

Farm equipment problems require immediate fixing, and they may need more extensive policy coverage. As an affordable auto insurance underwriter, Mid Continent often plays the role of facilitator between farmers and their insurance providers. It helps farmers to connect with auto and tractor mechanics, expedite claims and maintain continuity throughout the planting, growing and harvest seasons.

Other Specialties

Mid Continent maintains working relationships with many insurers who do business almost entirely with restaurant owners, tavern keepers and bar owners.

These high-risk businesses may have problems that need to be solved immediately to keep money flowing. The risk management support provided by Mid Continent and underwriting lines help restaurateurs rest easy knowing that their companies are protected from whatever might go wrong.

Commercial Auto Insurance Special Policy Info

Most of Mid Continent’s commercial auto insurance policies focus on liability insurance, which tends to be more extensive than the average private policy. Worker’s compensation, mistakes and safety concerns are just some of the reasons why Mid Continent’s liability limits go up to several million dollars for business owners.

Additionally, Mid Continent has several artisan/tradesman-focused policy multi-peril programs. Designed to provide insurance coverage to small-capital entrepreneurs embarking on new business ventures, these policies have been widely lauded by those who keep them. The insurance provides low levels of protection more suited to self-employed business owners, yet it also provides specialized types of insurance such as those for heavy equipment, theatre supplies and artisan’s tools. Currently, these programs are only available to Ohio customers.

Compare Mid Continent Auto Insurance with Other Providers

Mid Continent offers many types of auto insurance options for both businesses and individuals. If you’d like to see how the company stacks up against other insurance providers, use our free tool! Simply type in your location, car make and model, and other information, and the tool will find quotes of many different insurance providers in your area. It only takes a few minutes, and then you can easily choose the provider that offers the best deal. It might be Mid Continent, or it might be a different company. You’ll never know until you compare today. Enter your ZIP code now and see results instantly!