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Insurance industry.
65 scored listings in Insurance.
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| No special badge | No vegan or vegetarian badge | Aetna | A CVS Health-owned health insurer selling employer, individual, Medicare, Medicaid, dental, vision, and other coverage. Aetna is a major consumer-facing insurer, but its parent link to CVS adds pharmacy, retail, PBM, and insurance integration concerns. | CVS-owned health insurer | High confidence (AI) | CVS Health | Policy-capture concerns; see Policy Capture. | Developed (AI) | 1 | 1 | 1 | 1 | 2 | 2 | 1 | 2 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -5 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -2 | -2 | ||||
| No special badge | No vegan or vegetarian badge | Aflac | A public supplemental insurer selling accident, cancer, critical illness, hospital indemnity, dental, vision, and life products. Aflac can help with uncovered costs, but the product category exists because major medical insurance leaves people exposed, and policy complexity is central. | public supplemental insurance company | High confidence (AI) | Not separately reviewed. | Developed (AI) | 1 | 1 | 2 | 2 | 3 | 3 | 2 | 2 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -2 | 0 | 0 | 0 | -2 | -1 | 0 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Allstate | A public insurance company selling auto, home, renters, life, and other insurance products. Allstate belongs in insurance comparisons, but its shareholder governance and telematics-data controversy make it a poor privacy and power-relations case relative to mutual insurers. | public company | Medium confidence (AI) | Not separately reviewed. | Developed (AI) | 1 | 1 | 2 | 1 | 1 | 1 | 2 | 3 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | -5 | -1 | |||||
| No special badge | No vegan or vegetarian badge | American Family Insurance | A mutual insurance group selling auto, home, renters, life, business, farm/ranch, and specialty coverage through American Family, CONNECT, Homesite, and related brands. American Family has a better ownership form than public insurers, but its affiliate complexity, app/platform terms, underwriting data, and centralized mutual governance keep it in the middle rather than the top tier. | mutual insurance group | Medium confidence (AI) | Not separately reviewed. | Developed (AI) | 5 | 2 | 3 | 1 | 2 | 2 | 3 | 3 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | -2 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Amica Mutual | A mutual insurance company selling auto, home, life, and other insurance products to policyholders. Amica Mutual scores well because ownership is comparatively aligned and its market conduct is less extractive, and no current penalty outweighs that structure. | mutual insurance company | Medium confidence (AI) | Not separately reviewed. | Developed (AI) | 6 | 5 | 5 | 4 | 4 | 5 | 5 | 4 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
| No special badge | No vegan or vegetarian badge | ASPCA Pet Health Insurance | A pet-insurance program using the ASPCA brand while policies are underwritten by insurance companies and the ASPCA receives licensing fees. The program can help pet owners afford care, but the nonprofit brand can obscure the actual insurer and commercial structure. | licensed pet-insurance program | High confidence (AI) | Not separately reviewed. | Developed (AI) | 2 | 2 | 3 | 2 | 3 | 3 | 2 | 3 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -2 | 0 | 0 | 0 | -2 | -2 | 0 | 0 | |||||
| No special badge | No vegan or vegetarian badge | Assurant | A public specialty insurer focused on lender-placed homeowners coverage, renters insurance, manufactured housing, mobile-device protection, and related services. Assurant scores poorly because several products operate where consumers have weak bargaining power, especially lender-placed and bundled coverage. | public specialty, renters, lender-placed, and device-protection insurer | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 1 | 1 | 2 | 2 | 2 | 2 | 1 | 2 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | 0 | None found0 | 0 | 0 | -3 | 0 | 0 | 0 | -2 | -1 | 0 | 0 | |||||
| No special badge | No vegan or vegetarian badge | Auto-Owners Insurance | A mutual insurance group selling auto, home, life, business, farm, and specialty insurance through independent agents. Auto-Owners scores comparatively well because mutual ownership, agent accountability, and ordinary coverage utility reduce shareholder extraction, though underwriting data, agent gatekeeping, and centralized governance still limit the score. | mutual insurance group | Medium confidence (AI) | Not separately reviewed. | Developed (AI) | 6 | 3 | 4 | 1 | 3 | 3 | 4 | 4 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Blue Cross Blue Shield Association | A national association licensing independent Blue Cross Blue Shield companies that collectively cover a very large share of Americans. The federation has public utility through broad networks, but brand licensing, market power, and private-insurance policy influence keep it weak. | health-insurance federation and licensing association | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 3 | 3 | 3 | 2 | 3 | 3 | 2 | 3 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -5 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | 0 | -2 | |||||
| No special badge | No vegan or vegetarian badge | Blue Shield of California | A California nonprofit health plan selling individual, family, employer, Medicare, and Medi-Cal coverage. Blue Shield of California scores above shareholder insurers because it is nonprofit, but size, network control, and ordinary insurer gatekeeping prevent a high rating. | nonprofit health plan | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 5 | 4 | 5 | 3 | 4 | 4 | 3 | 3 | 4 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -1 | 0 | |||||
| No special badge | No vegan or vegetarian badge | CareSource | A nonprofit managed-care organization serving Medicaid, Medicare, marketplace, and other health-plan members. CareSource scores above public insurers because it is nonprofit and mission-framed, but managed-care gatekeeping still limits the rating. | nonprofit managed-care health plan | Medium confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 4 | 4 | 5 | 3 | 4 | 4 | 3 | 3 | 4 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -1 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Centene | A public managed-care company focused on Medicaid, marketplace, and government-sponsored health programs. Centene serves lower-income and public-program members, but shareholder extraction and managed-care gatekeeping remain central. | public Medicaid and marketplace managed-care insurer | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 1 | 1 | 2 | 1 | 2 | 2 | 2 | 2 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -4 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -1 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Chubb | A public global insurer selling commercial, personal, accident, health, life, specialty, and high-net-worth insurance. Chubb is competent risk-transfer infrastructure, but global shareholder insurance power, elite-market orientation, underwriting opacity, and extensive personal/commercial data handling keep it low. | public global insurance company | Medium confidence (AI) | Not separately reviewed. | Developed (AI) | 1 | 1 | 2 | 1 | 1 | 2 | 2 | 3 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | -1 | -2 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Co-operative Insurance Companies | A member-owned Vermont and New Hampshire property-and-casualty insurer selling farm, home, auto, business, and umbrella insurance through local agents. Co-operative Insurance Companies scores well because ownership is comparatively aligned and governance has stronger accountability than peers, and no current penalty outweighs that structure. | member-owned regional mutual insurer | Medium confidence (AI) | Not separately reviewed. | Developed (AI) | 8 | 7 | 7 | 5 | 5 | 6 | 5 | 4 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
| No special badge | No vegan or vegetarian badge | Common Ground Healthcare Cooperative | A Wisconsin nonprofit health-insurance cooperative now affiliated with CareSource while preserving a member-focused identity. Common Ground scores high for health insurance because member governance is rare, though insurer gatekeeping and the CareSource transition keep it below the top tier. | nonprofit member-governed health-insurance cooperative | Medium confidence (AI) | CareSource | Policy-capture concerns; see Policy Capture. | Developed (AI) | 8 | 7 | 7 | 4 | 5 | 5 | 4 | 4 | 3 | 1 | 1 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | -1 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -1 | 0 | ||||
| No special badge | No vegan or vegetarian badge | Community Health Options | A Maine-based nonprofit member-led health plan serving individuals, families, and businesses. Community Health Options scores high for the insurance sector because member governance and nonprofit structure directly counter shareholder health-insurance incentives. | nonprofit member-led health-insurance plan | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 8 | 7 | 7 | 4 | 5 | 5 | 4 | 4 | 3 | 1 | 1 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | -1 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -1 | 0 | |||||
| No special badge | No vegan or vegetarian badge | Corebridge Financial | A public financial-services insurer selling life insurance, annuities, retirement services, and institutional-market products after its separation from AIG. Corebridge has ordinary retirement and protection utility, but shareholder ownership and complex product economics keep it weak. | public life, annuity, retirement, and institutional insurer | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 1 | 1 | 3 | 2 | 3 | 3 | 2 | 3 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | 0 | None found0 | 0 | 0 | -2 | 0 | 0 | 0 | -2 | -1 | 0 | 0 | |||||
| No special badge | No vegan or vegetarian badge | Elevance Health / Anthem | A public health insurer using Anthem Blue Cross and Blue Shield brands and Carelon health-services businesses. Elevance has broad practical coverage value, but shareholder control, network power, and healthcare gatekeeping keep it low. | public health insurer | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 1 | 1 | 2 | 1 | 2 | 2 | 2 | 2 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -4 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -1 | -2 | |||||
| No special badge | No vegan or vegetarian badge | Erie Insurance | A regional insurance group selling auto, home, business, life, and related coverage through independent agents. Erie scores better than public national insurers because of regional scale and policyholder-linked structure, but its public indemnity company, agent gatekeeping, cyber incident, and insurance-data practices keep it below the strongest mutuals. | regional insurance group | Medium confidence (AI) | Not separately reviewed. | Developed (AI) | 4 | 2 | 3 | 1 | 2 | 3 | 4 | 4 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | -2 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Farmers Insurance | A large U.S. insurance group selling auto, home, renters, life, business, specialty, and agent-distributed coverage under Farmers, Foremost, Bristol West, and related brands. Farmers provides ordinary insurance utility, but Zurich ownership, data-breach exposure, affiliate data sharing, agent-channel complexity, and underwriting asymmetry keep it low. | Zurich-owned insurance group | Medium confidence (AI) | Zurich Insurance Group | Not separately reviewed. | Developed (AI) | 1 | 1 | 2 | 1 | 1 | 1 | 2 | 3 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | -3 | -1 | ||||
| No special badge | No vegan or vegetarian badge | GEICO | A Berkshire Hathaway-owned auto insurer selling direct-to-consumer auto and related insurance. GEICO is a major low-price insurance competitor, but it is a corporate subsidiary rather than a mutual or cooperative insurer, with ordinary insurance-data and claims asymmetries. | subsidiary | Medium confidence (AI) | Berkshire Hathaway | Not separately reviewed. | Developed (AI) | 1 | 1 | 2 | 1 | 1 | 2 | 3 | 3 | 2 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | -2 | -1 | ||||
| No special badge | No vegan or vegetarian badge | Guardian Life | A mutual insurance company selling life, disability, dental, vision, and workplace benefits. Guardian scores higher because policyholder mutuality limits outside shareholder extraction, but benefits administration and complex product sales still limit the evaluation. | mutual life and benefits insurer | High confidence (AI) | Not separately reviewed. | Developed (AI) | 6 | 5 | 5 | 3 | 4 | 5 | 3 | 4 | 4 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | -1 | 0 | 0 | |||||
| No special badge | No vegan or vegetarian badge | GuideWell / Florida Blue | A not-for-profit, policyholder-owned health-solutions organization behind Florida Blue and related health businesses. GuideWell scores above shareholder health insurers because ownership is closer to policyholders, but health-insurance gatekeeping and managed-care power keep it qualified. | not-for-profit policyholder-owned health insurer | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 6 | 5 | 5 | 3 | 4 | 4 | 3 | 3 | 4 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -1 | 0 | |||||
| No special badge | No vegan or vegetarian badge | Health Care Service Corporation | A not-for-profit mutual legal reserve company operating Blue Cross and Blue Shield plans in several states. HCSC scores above public health insurers because it lacks ordinary public shareholders, but it remains a large managed-care gatekeeper with limited direct member control. | not-for-profit mutual legal reserve health insurer | Medium confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 5 | 4 | 5 | 3 | 4 | 4 | 3 | 3 | 4 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | -3 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -1 | -1 | |||||
| No special badge | No vegan or vegetarian badge | HealthPartners | A Minnesota-based nonprofit health plan and care system serving health-plan members and patients. HealthPartners scores well relative to shareholder health insurers because of nonprofit structure and member/patient mission, but access remains tied to plan networks and managed-care administration. | nonprofit integrated health plan and care provider | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 5 | 5 | 6 | 4 | 5 | 5 | 4 | 4 | 4 | 1 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | -1 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -1 | 0 | |||||
| No special badge | No vegan or vegetarian badge | Healthy Paws Pet Insurance | A Chubb-owned pet-insurance brand selling accident and illness coverage for dogs and cats. Healthy Paws can help with veterinary costs, but parent-company ownership and premium/exclusion dynamics keep it below stronger consumer-owned models. | Chubb-owned pet insurance brand | High confidence (AI) | Chubb | Not separately reviewed. | Developed (AI) | 1 | 1 | 3 | 2 | 3 | 3 | 2 | 3 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -2 | 0 | 0 | 0 | -2 | -1 | 0 | 0 | ||||
| No special badge | No vegan or vegetarian badge | Highmark Health | A nonprofit health organization operating insurance, provider, technology, and health-service businesses across several states. Highmark scores above public insurers because of nonprofit structure and community framing, but vertical integration and managed-care authority keep it in the middle. | nonprofit health and insurance system | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 5 | 4 | 5 | 3 | 4 | 4 | 3 | 3 | 4 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -1 | 0 | |||||
| No special badge | No vegan or vegetarian badge | Humana | A public health insurer heavily focused on Medicare Advantage and related senior coverage. Humana provides important benefits to many members, but private administration of public healthcare money creates policy, disclosure, and gatekeeping concerns. | public Medicare Advantage and health insurer | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 1 | 1 | 2 | 1 | 2 | 2 | 2 | 2 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -4 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -1 | -2 | |||||
| No special badge | No vegan or vegetarian badge | Independence Blue Cross | A Philadelphia-area health insurer selling individual, employer, Medicare, and related Blue Cross coverage. Independence Blue Cross is more regionally accountable than national public insurers, but it remains a large insurance gatekeeper with limited direct member control. | regional health insurer | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 4 | 3 | 4 | 3 | 4 | 3 | 3 | 3 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -1 | 0 | |||||
| No special badge | No vegan or vegetarian badge | John Hancock | A Manulife-owned U.S. brand selling life insurance, retirement plans, and related financial products. John Hancock has durable consumer recognition, but parent-company control, complex life products, and wellness-linked marketing keep the evaluation weak. | Manulife-owned U.S. life-insurance and retirement brand | High confidence (AI) | Manulife Financial Corporation | Not separately reviewed. | Developed (AI) | 1 | 1 | 3 | 2 | 3 | 3 | 2 | 3 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -2 | 0 | 0 | 0 | -2 | -2 | -1 | 0 | ||||
| No special badge | No vegan or vegetarian badge | Kaiser Permanente | A nonprofit integrated care-and-coverage system combining health plan, hospitals, and Permanente medical groups. Kaiser scores above shareholder health insurers because it is nonprofit and clinically integrated, but members still do not democratically control the system and care access remains gated. | nonprofit integrated health plan and care system | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 4 | 4 | 5 | 3 | 4 | 4 | 3 | 4 | 4 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -1 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Lemonade | A public-benefit and B Corp insurer selling renters, homeowners, car, life, and pet insurance through a digital interface. Lemonade is structurally better than ordinary shareholder insurance in stated purpose and giveback design, but it remains a public company using automated insurance infrastructure. | public-benefit renters, home, car, life, and pet insurer | Medium confidence (AI) | Not separately reviewed. | Developed (AI) | 3 | 3 | 5 | 3 | 4 | 4 | 4 | 4 | 4 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -2 | -1 | |||||
| G | No vegan or vegetarian badge | Liberty Mutual | A large mutual insurance group selling auto, home, renters, life, commercial, and specialty insurance through Liberty Mutual, Safeco, and related brands. Liberty Mutual scores better than public insurers on ownership form, but its scale, telematics, pricing opacity, and ordinary insurance-data asymmetry keep it below smaller mutual and cooperative insurers. | mutual insurance group | Medium confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 5 | 2 | 3 | 1 | 2 | 2 | 3 | 3 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -6 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -3 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Lincoln Financial Group | A public financial-services insurer selling life insurance, annuities, retirement-plan services, and group protection. Lincoln provides real risk-transfer products, but shareholder governance and complex annuity/life/disability sales keep it in the low middle of the insurance field. | public life, annuity, retirement, and disability insurer | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 1 | 1 | 3 | 2 | 3 | 3 | 2 | 3 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | 0 | None found0 | 0 | 0 | -2 | 0 | 0 | 0 | -2 | -1 | 0 | 0 | |||||
| No special badge | No vegan or vegetarian badge | Markel Group | A public holding company whose core insurance operations write specialty coverage for complex commercial and personal risks. Markel has underwriting expertise and a more focused insurance culture than mass-market conglomerates, but shareholder control and specialty-market opacity keep it low-middle. | public specialty insurance and investment holding company | High confidence (AI) | Not separately reviewed. | Developed (AI) | 1 | 1 | 3 | 2 | 3 | 3 | 3 | 3 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | -1 | 0 | 0 | |||||
| No special badge | No vegan or vegetarian badge | MassMutual | A mutual life insurer selling life, disability, long-term-care, annuities, and workplace benefits. MassMutual scores above shareholder peers because it operates for policyowners, while complex product design and sales-channel incentives keep it from the top tier. | mutual life insurance company | High confidence (AI) | Not separately reviewed. | Developed (AI) | 6 | 5 | 5 | 3 | 4 | 5 | 3 | 4 | 4 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | -1 | 0 | 0 | |||||
| No special badge | No vegan or vegetarian badge | Mercury Insurance | A public insurer selling auto, homeowners, condo, renters, business, and mechanical-protection coverage, especially in California. Mercury provides ordinary coverage utility, but shareholder governance and standard claims/pricing asymmetry keep it below mutual competitors. | public auto, home, condo, renters, and business insurer | High confidence (AI) | Not separately reviewed. | Developed (AI) | 1 | 1 | 3 | 2 | 3 | 3 | 3 | 3 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | -1 | 0 | 0 | |||||
| No special badge | No vegan or vegetarian badge | MetLife | A public insurer selling life, dental, vision, disability, accident, legal, pet, and retirement products. MetLife is broadly useful for employee benefits, but it remains a shareholder-governed benefits intermediary with complex exclusions and product bundling. | public life, benefits, and pet insurer | High confidence (AI) | Not separately reviewed. | Developed (AI) | 1 | 1 | 2 | 2 | 3 | 3 | 2 | 3 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -2 | 0 | 0 | 0 | -2 | -1 | 0 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Molina Healthcare | A public managed-care insurer focused on Medicaid, Medicare, and marketplace plans. Molina's public-program focus is more socially necessary than luxury financial products, but the structure still privatizes healthcare administration under shareholder control. | public Medicaid and marketplace managed-care insurer | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 1 | 1 | 2 | 1 | 2 | 2 | 2 | 2 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -3 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -1 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Mountain Health CO-OP | A nonprofit member-governed health-insurance cooperative serving Montana, Idaho, and Wyoming markets. Mountain Health CO-OP scores high because members govern the insurer and profits are framed for member reinvestment, though it still operates inside the constrained U.S. insurance system. | nonprofit member-governed health-insurance cooperative | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 8 | 7 | 7 | 4 | 5 | 5 | 4 | 4 | 3 | 1 | 1 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | -1 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -1 | 0 | |||||
| No special badge | No vegan or vegetarian badge | Mutual of Enumclaw | A regional mutual insurer selling home, auto, farm, business, and umbrella coverage through local independent agents in the Pacific Northwest and nearby states. Mutual of Enumclaw is one of the better insurance entries because member ownership, regional scale, agent accountability, and ordinary household coverage reduce extraction without becoming a surveillance-heavy national platform. | regional mutual insurance company | Medium confidence (AI) | Not separately reviewed. | Developed (AI) | 7 | 4 | 5 | 2 | 3 | 4 | 5 | 4 | 4 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Mutual of Omaha | A mutual insurance company selling life, Medicare supplement, disability, long-term-care, and other coverage. It scores above public insurers because policyholders are structurally closer to ownership, but complex product categories and sales channels keep the rating qualified. | mutual insurance and financial-services company | High confidence (AI) | Not separately reviewed. | Developed (AI) | 6 | 4 | 5 | 3 | 4 | 5 | 3 | 4 | 3 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | -1 | 0 | 0 | |||||
| No special badge | No vegan or vegetarian badge | Nationwide | A large mutual insurance and financial-services group selling auto, home, pet, life, business, and retirement products. Nationwide has a real mutual-ownership advantage over shareholder insurers, but credit/insurance scoring, broad affiliate data use, financial-product complexity, and centralized scale keep it below stronger regional mutuals. | mutual insurance and financial-services group | Medium confidence (AI) | Not separately reviewed. | Developed (AI) | 5 | 2 | 3 | 1 | 2 | 2 | 3 | 3 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | -2 | -1 | |||||
| No special badge | No vegan or vegetarian badge | New York Life | A large mutual life insurer selling life insurance, annuities, long-term-care coverage, and asset-management services. New York Life scores higher because policyholder mutuality constrains outside shareholders, but complex permanent-life and annuity sales still require caution. | mutual life insurance company | High confidence (AI) | Not separately reviewed. | Developed (AI) | 6 | 5 | 5 | 3 | 4 | 5 | 3 | 4 | 4 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | -1 | 0 | 0 | |||||
| No special badge | No vegan or vegetarian badge | NJM Insurance Group | A regional mutual insurer selling auto, homeowners, condo, renters, umbrella, and workers' compensation coverage. NJM scores well because it operates in mutual fashion for policyholders and has a narrow practical product focus rather than a shareholder-conglomerate model. | regional mutual auto, home, renters, and umbrella insurer | High confidence (AI) | Not separately reviewed. | Developed (AI) | 7 | 6 | 6 | 4 | 5 | 5 | 4 | 4 | 4 | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | 0 | 0 | |||||
| No special badge | No vegan or vegetarian badge | Northwestern Mutual | A large mutual life insurer and financial-planning company selling life, disability, long-term-care, annuity, and investment products. Mutual ownership helps, but relationship-driven sales and complex permanent-life products keep it below the stronger mutual anchors. | mutual life insurance and financial-planning company | High confidence (AI) | Not separately reviewed. | Developed (AI) | 6 | 4 | 4 | 2 | 3 | 4 | 2 | 3 | 3 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -2 | 0 | 0 | 0 | -2 | -2 | 0 | 0 | |||||
| No special badge | No vegan or vegetarian badge | Oscar Health | A public health insurer built around individual, family, and small-group plans with a technology-forward interface. Oscar may improve navigation for some members, but it remains shareholder-controlled private insurance in a life-critical market. | public health-insurance technology company | High confidence (AI) | Not separately reviewed. | Developed (AI) | 1 | 1 | 2 | 1 | 2 | 2 | 2 | 2 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -2 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Pacific Life | A mutual-holding-company insurer selling life insurance, annuities, and retirement products. Pacific Life scores above shareholder life insurers because long-term policyholder interests have more structural weight, while complex products and mediated governance keep it below stronger mutual entries. | mutual-holding-company life insurer | High confidence (AI) | Not separately reviewed. | Developed (AI) | 6 | 5 | 5 | 3 | 4 | 5 | 3 | 4 | 4 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | -1 | 0 | 0 | |||||
| No special badge | No vegan or vegetarian badge | PEMCO Insurance | A Pacific Northwest mutual insurer selling auto, home, condo, renters, and umbrella coverage. PEMCO scores well because mutual ownership and regional focus are meaningfully better than shareholder insurance, though policyholder control remains mediated through board governance. | regional mutual auto, home, and renters insurer | High confidence (AI) | Not separately reviewed. | Developed (AI) | 7 | 6 | 6 | 4 | 5 | 5 | 4 | 4 | 4 | 1 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | 0 | 0 | |||||
| No special badge | No vegan or vegetarian badge | Principal Financial Group | A public financial company selling retirement, investment, employee-benefit, and insurance products. Principal has practical workplace-finance utility, but shareholder governance and complex retirement/insurance products keep consumer power weak. | public retirement and insurance company | High confidence (AI) | Not separately reviewed. | Developed (AI) | 1 | 1 | 2 | 2 | 3 | 3 | 2 | 3 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -2 | 0 | 0 | 0 | -2 | -1 | 0 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Progressive | A public insurance company best known for auto insurance, usage-based pricing, and direct-to-consumer insurance shopping. Progressive is a major GEICO/State Farm/Allstate competitor with useful price competition, but its public-company control and telematics rating model keep it below mutual or cooperative insurance options. | public company | Medium confidence (AI) | Not separately reviewed. | Developed (AI) | 1 | 1 | 2 | 1 | 1 | 2 | 3 | 3 | 2 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -3 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Prudential Financial | A public financial-services company selling life insurance, retirement, annuities, investment management, and workplace products. Prudential has real risk-pooling and retirement utility, but shareholder control and complex financial-product incentives keep it low. | public life insurance and financial-services company | High confidence (AI) | Not separately reviewed. | Developed (AI) | 1 | 1 | 2 | 2 | 3 | 3 | 2 | 3 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -2 | 0 | 0 | 0 | -2 | -1 | 0 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Root Insurance | A public auto insurer using phone-based telematics and behavior data to price coverage. Root can lower premiums for some safe drivers, but it adds surveillance directly into the insurance product and remains shareholder-controlled. | public telematics-based auto insurer | High confidence (AI) | Not separately reviewed. | Developed (AI) | 1 | 1 | 3 | 2 | 3 | 3 | 2 | 3 | 3 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | -1 | -4 | 0 | |||||
| No special badge | No vegan or vegetarian badge | Shelter Insurance | A regional mutual insurer selling auto, home, renters, life, farm, business, and related coverage through agents. Shelter scores above shareholder insurers because policyholders own the mutual, but agent sales and broad product complexity keep it qualified. | regional mutual property, casualty, and life insurer | High confidence (AI) | Not separately reviewed. | Developed (AI) | 7 | 5 | 6 | 4 | 5 | 5 | 4 | 4 | 3 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | -1 | 0 | 0 | |||||
| G | No vegan or vegetarian badge | State Farm | A large mutual insurance group selling auto, home, life, and related insurance through a national agent network. State Farm scores above public insurers on ownership because the mutual form matters, but its scale, underwriting data, and limited ordinary-policyholder governance keep it below stronger mutual and cooperative insurers. | mutual insurance group | Medium confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 5 | 3 | 4 | 2 | 2 | 3 | 3 | 3 | 3 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | -5 | 0 | 0 | None found0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | -2 | -1 | |||||
| No special badge | No vegan or vegetarian badge | The Cigna Group | A public health company organized around Cigna Healthcare and Evernorth Health Services. Cigna has real coverage and care-management utility, but PBM integration, employer-plan power, and shareholder incentives make it structurally weak. | public health insurer and pharmacy-benefits company | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 1 | 1 | 1 | 1 | 2 | 2 | 1 | 2 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -5 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -2 | -2 | |||||
| No special badge | No vegan or vegetarian badge | The Hartford | A public insurance and financial-services company selling business insurance, personal auto/home programs, employee benefits, group benefits, and related coverage. The Hartford provides useful risk-transfer products, but shareholder governance, AARP-channel dependence, policy complexity, sensitive data, and commercial insurance power keep it low. | public insurance company | Medium confidence (AI) | Not separately reviewed. | Developed (AI) | 1 | 1 | 2 | 1 | 1 | 2 | 2 | 3 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | -1 | -2 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Transamerica | An Aegon-owned U.S. life-insurance, annuity, retirement, and investment brand. Transamerica provides mainstream protection and retirement products, but parent ownership, commissionable product complexity, and weak direct stakeholder control keep it low. | Aegon-owned life-insurance and retirement company | High confidence (AI) | Aegon | Not separately reviewed. | Developed (AI) | 1 | 1 | 3 | 2 | 3 | 3 | 2 | 3 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -2 | 0 | 0 | 0 | -2 | -1 | 0 | 0 | ||||
| No special badge | No vegan or vegetarian badge | Travelers | A public insurance company selling business, personal, auto, home, umbrella, surety, bond, and specialty insurance. Travelers has strong insurance capability and real risk-transfer utility, but shareholder governance, commercial risk-pricing power, policy complexity, and data-heavy underwriting keep it low. | public insurance company | Medium confidence (AI) | Not separately reviewed. | Developed (AI) | 1 | 1 | 2 | 1 | 1 | 2 | 2 | 3 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | -2 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Trupanion | A public pet-insurance company focused on cats and dogs, including direct veterinary-payment features. Trupanion can make veterinary care more financially reachable, but it is shareholder-governed and monetizes recurring premiums in a market with exclusions and rising pet-care costs. | public pet insurance company | High confidence (AI) | Not separately reviewed. | Developed (AI) | 1 | 1 | 3 | 2 | 3 | 3 | 3 | 3 | 3 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | -2 | 0 | 0 | 0 | -2 | -1 | 0 | 0 | |||||
| No special badge | No vegan or vegetarian badge | UCare | A Minnesota nonprofit health plan serving public-program, individual, family, and Medicare members, with major 2026 coverage transitions. UCare's nonprofit mission is materially better than shareholder insurance, but instability and plan discontinuations sharply limit the current rating. | nonprofit health plan | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 5 | 4 | 5 | 3 | 3 | 2 | 3 | 2 | 2 | 0 | 0 | 1 | 0 | 0 | -5 | 0 | 0 | 0 | -1 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -1 | 0 | |||||
| No special badge | No vegan or vegetarian badge | UnitedHealth Group | A public health-insurance and healthcare-services conglomerate operating UnitedHealthcare and Optum. UnitedHealth scores very low because it combines insurance gatekeeping, pharmacy-benefit and care-delivery power, and shareholder extraction in a life-critical system. | public health insurer and healthcare-services company | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 2 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -6 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | 0 | -2 | -2 | |||||
| No special badge | No vegan or vegetarian badge | Unum Group | A public insurer selling disability, life, accident, critical-illness, dental, vision, and leave-management products. Unum's products can protect workers during serious vulnerability, but shareholder control and claim-dispute risk in disability coverage keep it low. | public disability, life, accident, and benefits insurer | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 1 | 1 | 3 | 2 | 3 | 2 | 2 | 2 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 0 | 0 | None found0 | 0 | 0 | -1 | 0 | 0 | 0 | -2 | -1 | 0 | 0 | |||||
| No special badge | No vegan or vegetarian badge | USAA | A military-community insurance and financial-services group selling auto, home, renters, life, banking, and member services. USAA has stronger member alignment than shareholder insurers and returned substantial value to members, but eligibility boundaries, banking enforcement history, opaque member tiers, and sensitive data scale keep it below the best mutual or cooperative options. | member-associated insurance and financial-services group | Medium confidence (AI) | Not separately reviewed. | Developed (AI) | 6 | 3 | 4 | 1 | 3 | 3 | 4 | 4 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | None found0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | -2 | -2 | -1 | |||||
| No special badge | No vegan or vegetarian badge | Zurich Insurance Group | A global public insurance group whose Farmers Group subsidiary manages services for the Farmers insurance business. Insurance can be socially useful risk-pooling, but the public-company parent structure, pricing power, data dependence, and regulatory lobbying risks keep the evaluation low. | public insurance group | High confidence (AI) | Policy-capture concerns; see Policy Capture. | Developed (AI) | 1 | 1 | 2 | 2 | 3 | 3 | 2 | 3 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | 0 | None found0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | -1 | -1 |