Co-operative Insurance Companies is described as member-owned and member-committed, provides evidence for the relevant scoring judgment compared with shareholder insurance carriers. That places Co-operative Insurance Companies high on Ownership: decisive control is held by workers, users, members, or another stakeholder class rather than outside capital. A still-higher or maximum value requires stronger proof that this structure is durable, broad, and not merely discretionary.

Co-operative Insurance Companies is described as member-owned and member-committed, provides evidence for the relevant scoring judgment compared with shareholder insurance carriers. That places Co-operative Insurance Companies in the middle of Governance: there are accountability mechanisms, but they stop short of broad democratic control. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis.

Co-operative Insurance Companies is described as member-owned and member-committed, provides evidence for the relevant scoring judgment compared with shareholder insurance carriers. That places Co-operative Insurance Companies in the middle of Extraction: the institution creates real value but still leaves room for rent extraction, unequal bargaining, or surplus capture. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis.

Co-operative Insurance Companies is described as member-owned and member-committed, provides evidence for the relevant scoring judgment compared with shareholder insurance carriers. That places Co-operative Insurance Companies in the middle of Labor Sovereignty: workers or participants have some protection or agency, but not enough binding power to control the relationship. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis.

Co-operative Insurance emphasizes local agents, loss prevention, and fast and fair claims service, is relevant to Loss-Bearing Fidelity and Market Conduct credit because the insurer invests in preventing and resolving losses rather than merely collecting premiums. That places Co-operative Insurance Companies in the middle of Solidarity with the Unemployed: some access, severance, retraining, openness, or mutual-aid value is present, but it is not central or durable. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis.

Co-operative Insurance emphasizes local agents, loss prevention, and fast and fair claims service, is relevant to Loss-Bearing Fidelity and Market Conduct credit because the insurer invests in preventing and resolving losses rather than merely collecting premiums. That places Co-operative Insurance Companies high on Loss-Bearing Fidelity: the institution is structured to absorb real costs rather than shifting losses onto weaker parties. A still-higher or maximum value requires stronger proof that this structure is durable, broad, and not merely discretionary.

The company’s regional mutual structure and local-agent model align its insurance conduct more closely with policyholders than a remote shareholder insurer, though policyholders still do not appear to exercise full cooperative workplace control. That places Co-operative Insurance Companies high on Market Conduct: pricing, access, switching, and bargaining practices show restraint compared with ordinary rent-seeking competitors. A still-higher or maximum value requires stronger proof that this structure is durable, broad, and not merely discretionary.

Co-operative Insurance sells ordinary farm, home, auto, business, umbrella, and related insurance products in Vermont and New Hampshire, making the product category directly relevant to household risk protection. That places Co-operative Insurance Companies high on Product Integrity: the core offering is genuinely useful and comparatively less dependent on traps, degradation, or harmful dependencies. A still-higher or maximum value requires stronger proof that this structure is durable, broad, and not merely discretionary.

Co-operative Insurance Companies is described as member-owned and member-committed, provides evidence for the relevant scoring judgment compared with shareholder insurance carriers. That places Co-operative Insurance Companies high on Scale Integrity: growth appears compatible with accountability, quality, and stakeholder benefit. A still-higher or maximum value requires stronger proof that this structure is durable, broad, and not merely discretionary.