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Trust The Providence An Anchor to Windward since 1800

The Providence – Keeping our Promises, Earning your Trust

There is a reason a company endures for over 200 years. In fact, there are many. For two centuries, service, security, and stability has been our hallmark. The fourth oldest insurance company in America and the longest standing in New England, The Providence Mutual Fire Insurance Company has provided auto, home, and business insurance through a network of 400 independent agents in New England, New York and New Jersey.

We have consistently achieved an “A (Excellent)” Rating from the A.M. Best Company, the nation’s leading independent provider of insurance financial information. Steeped in the traditions of the past and committed to meeting the challenges of the future, The Providence is the mainstay of protection for families and businesses.

A Message from

New England’s first property insurance company

Sandra Glaser Parrillo, CPCU

Chartered by the General Assembly under the laws of Rhode Island and Providence

President and Chief Executive Officer

Plantations on October 27, 1800, The Providence Mutual Fire Insurance Company was founded by more than one hundred concerned private citizens of Providence as the “Fire Society.” Our founding fathers joined together to establish New England’s first fire

Stewardship of a company founded under the principles of our nation’s founding fathers is a task I take with the greatest responsibility. Our mission has remained true throughout the centuries, assuring the financial security of our policyholders against the perils from which they seek protection.

insurance company: “for our own mutual security, for the common security and advantage of our neighbors and fellow citizens…”

Modeled after the earliest colonial insurance companies, The Providence was originally founded to insure homes and manufacturing concerns in Providence against the ravages of fire, all within a ten-mile radius of what was then a village of 8,000 people. During its earliest years, The Providence insured a number of New England’s most outstanding landmarks, including the steeple of the First Baptist Church of America, and Slater Mill,

To fulfill every promise, our company must remain financially strong,

the birthplace of America’s Industrial Revolution.

and the highest level of professionalism and fairness will govern all actions. By adhering to a philosophy of controlled growth while maintaining profitability, our company weathers all storms to become an anchor of stability today.

The devoted men and women who maintain the traditions and principles of The Providence continue to be the foundation on which we are built.

From our dedicated and responsive claims staff, to our experienced and deliberative underwriters, to our customer-focused and independent agents, The Providence is committed to the highest level of professionalism.

Steeped in the traditions of the past and committed to meeting the challenges of the future...

New England’s first property insurance company

Built for the Mutual Benefit

By 1808, “gentlemen” in East Greenwich and in Bristol, Rhode Island, were appointed

We are a mutual insurance company, which makes our policyholders the owners of

as agents to transact business, establishing The Providence’s long-standing tradition of

The Providence. As a result, our policyholders benefit from the financial success of the

writing business exclusively through professional agents. Throughout the last decade of

company through the availability of attractive pricing and coverage options.

the 19th century and the early decades of the 20th century, business expansion continued throughout New England, New York and New Jersey.

The Providence established a number

Founding Principles A conservative basis of underwriting selected risks; The tradition of writing policies through loyal, professional independent agents; The tradition of meeting every proven loss in full;

of principles to which the company has

adhered

over

the

centuries.

The Providence has continued to

for responsive, prompt and efficient service

grow and prosper while adhering to

Since 1800, the Providence has been committed to providing our policyholders with

these principles. In addition, strategic mergers and affiliations have enhanced the company’s strength. In 2000, The Providence proudly celebrated its

Support and appreciation for Volunteer Fire Companies’ efforts to safeguard life and property.

quality insurance products at the highest level of service. Our policyholders receive personalized service from our carefully selected group of professional independent agents – individuals who know you and your insurance needs.

bicentennial anniversary, one of only

The Providence offers 24-hour claims service to protect our policyholders, their families

five property insurance companies in

and their businesses. In the event of a major claim, The Providence has a network of local

the country to achieve this milestone.

adjustors ready to respond. If a hurricane or other natural disaster strikes, our Catastrophe

From the days of our founding fathers

The importance of the creation and maintenance of a surplus to safeguard the financial security of its policy holders;

Trust The Providence

through the challenges of the centuries, The Providence has remained true to its mission – safeguarding the financial security of all of our policyholders.

Team is on the scene to immediately help people.

Personal Products

Commercial Products

Through local independent

Through local independent

agents, The Providence offers

agents, The Providence offers

the following quality products

the following quality products

for personal insurance

for commercial insurance

protection.

protection.

Fire and Allied Lines

Fire and Allied Lines

Protection from the perils of fire, lightning, collapse, aircraft and windstorms and hail.

Protection from the perils of fire, lightning, collapse, aircraft and windstorms and hail.

Homeowners and Renters

Commercial Auto

Property protection for your home and possessions, plus legal liability and defense support. Many different enhanced coverage options also are available.

Liability and physical damage protection for commercial use vehicles.*

Personal Auto

Property and liability protection for commercial entities.

Liability and physical damage protection for you and your personal autos.*

Business Owners

Inland Marine

Protection to cover financial loss of property, such as jewelry, watches, fine art, silver and gold.

Boat Owners

Commercial Package Policy

Protection of small business owners for their building, personal property, business interruption and liability.

Commercial Umbrella Liability

Commercial protection providing higher limits of enhanced liability coverage to protect your company.

Property and liability protection for watercraft.

Personal Umbrella Liability

Personal protection providing higher limits of liability coverage to safeguard your family’s assets.

*Certain products may not be available in all states. Check with your agent for availability.

An Assurance of Protection Adhering to the Providence Mutual’s Mission Statement, we provide outstanding service when handling claims – 24-hours per day, 7-days-a-week, our policyholders can depend on The Providence.

Our Claims Department is called upon to deliver on promises made when a policy was purchased and to do so fairly and in accordance with the terms and conditions. This is our responsibility and our obligation. It is our desire, and practice, to do so in an outstanding manner.

Our efforts have not gone unnoticed. In a recent customer service satisfaction survey, over 95% of those who responded stated that The Providence met, or exceeded their expectations as to the overall level of service provided on their claim.

1800

340 East Avenue • Warwick, RI 02886 www.providencemutual.com TEL: (401) 827-1800 • FAX: (401) 822-1872