This American Hardware Mutual Health Insurance Company review includes the Motorists Commercial Mutual Insurance Company of which it is a directly owned subsidiary.
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The Motorists Commercial Mutual Insurance Company is the parent company of the insurance provider used by the American Hardware Mutual Health Insurance Company. This fully owned subsidiary is the Motorists Commercial Mutual Insurance Agency.
Office Locations
There are three main offices for the Motorists Commercial Mutual Insurance Company. The headquarters is located at:
5605 Green Circle Drive
Minnetonka, MN 55343
Fax number: 1-866-790-6431
The second main office for the Motorists Commercial Mutual Insurance Company is in Ohio. The address for this location is:
P. O. Box 42434
Cincinnati, OH 45242
Fax number: 1-800-727-2462
The third main office for the Motorists Commercial Mutual Insurance Company is in Pennsylvania. The address for this location is:
2674 Monroeville Boulevard
Monroeville, PA 15146
Fax number: 1-800-727-4634
Main phone numbers for the Motorists Commercial Mutual Insurance Company:
Customer Service: 1-800-922-6757
Claims Service Center: 1-800-876-8766.
Career Benefits
For those looking to start a career with the Motorists Commercial Mutual Insurance Company, they offer many benefits to their valued employees. These employee benefits can be divided into three categories, insurance and income protection, retirement benefits, and additional benefits that include time off.
The types of insurance and income protection that the Motorists Commercial Mutual Insurance Company offers its employees are health insurance that includes:
- Dental coverage
- Basic life insurance coverage
- Supplemental life insurance coverage
- Short-term disability insurance
- Long-term disability insurance
- Appreciation plan
- Associate referral bonus program
To be eligible for the health insurance an employee has to work a minimum of one thousand hours in a year. This means that part-time employees can also earn health insurance with the Motorists Commercial Mutual Insurance Company.
The Motorist Commercial Mutual Insurance Company offers two retirement benefit plans. First is the basic retirement plan, which is paid in full by the company itself. The second is the 401(k) plan. The Motorist Commercial Mutual Insurance Company 401(k) plan features matching company contributions, a choice between before tax and after tax contributions, loan options, withdrawal options, and accepted rollovers from other plans that are qualified.
The Motorist Commercial Mutual Insurance Company provides paid time off, eight paid holidays a year, and additional benefits. The eight paid holidays are:
- New Year’s Day
- Memorial Day
- Fourth of July
- Labor Day
- Thanksgiving Day and the day after
- Christmas, two days may be taken off
Some of the additional benefits the company offers are:
- Closing early on Fridays
- Business casual dress code
- Tuition reimbursement program
- Credit union
- Flexible spending accounts
- Direct deposit option
- Discount on car, home, individual life, and personal umbrella insurance
Industry Specific Products
The Motorist Commercial Mutual Insurance Company offers specially designed insurance options for many different commercial industries. Some of these industries include:
- Auto dealers
- Auto parts stores
- Auto repair
- Boat dealers
- Building supply businesses
- Construction equipment
- Farm equipment dealers
- Hardware stores
- Independent auto dealers
- Lawn and garden dealers
- Material handling services
- Motorcycle dealers
- Retail and wholesale
- Recreational vehicle dealers
- Tire dealers
- Truck dealers
The special types of insurance coverage options that the Motorists Commercial Mutual Insurance Company offers car dealers are extensive. These policies can be divided into three categories:
- Property insurance
- Liability insurance
- Other types of insurance coverage
The property insurance options available are:
- Building ordinance coverage
- Business income coverage
- Systems breakdown coverage
- Pollutant cleanup and removal coverage
- Earthquake coverage
- Flood and water back up coverage
- Accounts receivable and valuable papers coverage
The liability insurance options available include:
- Consumer complaints coverage
- Defective product liability coverage
- Employee benefit liability coverage
- Loss to customers’ personal property coverage
- Pollution liability coverage
- Employment practices liability coverage.
Other types of insurance coverage include:
- Special events liability
- Workers compensation insurance
- Ocean marine coverage
- Trucking operations coverage
- Daily rental coverage
- Bonds
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