Plymouthrock insurance

Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is ...

Plymouthrock insurance. New & Improved Included Policy Benefits and E-services. Get Home Safe ($50 cab fare once per policy period) 1. Rider Roadside Assistance included on all on-road motorcycles (24/7 Flatbed Towing up to 35 miles if your motorcycle is disabled) 2. Up to $8000 in Accessory Coverage included on ALL motorcycles with comprehensive coverage*.

The savings are even bigger when you bundle: up to 25% on auto insurance and up to 24% on home insurance.*. See how much you can save today. Get a quote online, call 877-999-SBLI (7254) or find a local Plymouth Rock agent. SBLI, through its SBLI Insurance Agency, Inc., has arranged for its policyholders to have access to products …

Plymouth Rock Car Insurance Cost. Plymouth Rock offers some of the lowest car insurance prices of any auto insurance company, with an average annual auto insurance rate of $1,513. Premiums can range from $337 to $2,682, depending on several factors. Here are the average costs for various circumstances:Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …Yes, Plymouth Rock is a legitimate insurance company. It has been in business for more than 40 years and sells a variety of insurance products in the Northeast. What is the average cost of Plymouth Rock car insurance? The average cost of Plymouth Rock car insurance is $200 per month for full coverage and $166 per month for …

Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is ... Plymouth Rock is the cheapest minimum-coverage option here with average monthly rates of $62. For full-coverage insurance, GEICO offers cheap rates of $155 per month .Plymouth Rock Assurance is a regional auto insurance provider available in six Northeastern states. The company has great industry ratings and a wide variety of …With Plymouth Rock Assurance, you can protect your car with quality coverage at an affordable rate. Plymouth Rock Assurance car insurance offers customers in New Hampshire quality coverage at a fair price. We understand everyone’s circumstances and needs vary – that’s why we offer a variety of coverage packages to fit many different ... We offer a variety of policy coverage options for commercial auto insurance. See how much money we can save you today! Call 833-508-0974 or find a local independent agent in New Jersey to see how you can save on commercial auto insurance. Plymouth Rock Assurance offers New Jersey commercial auto insurance for small fleets, light trucks, service ... Mar 6, 2023 · Plymouth Rock’s network of insurance companies underwrites and manages a combined $1.7 billion in car insurance and home insurance premiums. The company sells auto insurance in Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania. How much does Plymouth Rock insurance cost? Currently, the national average for a 6 month car insurance policy is $880, whereas Plymouth Rock is about …New Jersey Teachers' Insurance Roadside Assistance is available to all Teachers' Insurance customers: 888‑676‑5449; Plymouth Rock New Jersey, Connecticut and Pennsylvania Roadside Assistance is available …

Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …Do you need to add a new driver to your Plymouth Rock insurance policy? You can do it online with our simple and secure tool. Just enter your policy number and some basic information about the driver and the vehicle. You can also prefill some of the fields with your existing data. Add a new driver today and enjoy the benefits of Plymouth Rock.Plymouth Rock Assurance is a property and casualty insurer founded in 1982 and headquartered in Boston. The company has received above-average ratings from consumer watchdog groups for its financial stability and ability to pay out claims. Plymouth Rock auto insurance rates also tend to be lower than average.Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …Apr 12, 2024 · Plymouth Rock home insurance cost. Plymouth Rock's annual average premium for $300,000 in dwelling coverage is $1,653, which is 23 percent less than the national average of $2,151. Your own rate ...

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Plymouth Rock Assurance is a Boston-based company, founded in 1982, that provides property and casualty insurance products throughout the Northeastern United States. Their services include policy processing, billing, risk selection, claims management, loss management and prevention, insurance administration, accounting, and reporting.Sep 14, 2023 · For service help, call 800-437-5556 or email [email protected] . Direct claims questions to the phone number above or email [email protected]. Plymouth Rock’s personal auto customers can call roadside assistance 24/7 at 855-513-5174. *Most people can get a quote in 5 seconds, but not all. Certain applicants and properties may not meet underwriting requirements. † Based on a Plymouth Rock survey of its home customers who switched between 4/1/2021 and 3/31/2022. Plymouth Rock Assurance® and Plymouth Rock® are brand names and service marks used by separate companies …Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …Do you need to add a new driver to your Plymouth Rock insurance policy? You can do it online with our simple and secure tool. Just enter your policy number and some basic information about the driver and the vehicle. You can also prefill some of the fields with your existing data. Add a new driver today and enjoy the benefits of Plymouth Rock.

Call Plymouth Rock – if you have questions and want to discuss insurance before you buy, our licensed insurance professionals can help. Call toll-free at 855-993-4470 today to learn more. Visit a local independent insurance agent – you can go in person to discuss your coverage options and needs and get any questions answered.Plymouth Rock is a solid insurance company for low-risk drivers who prioritize customer satisfaction and policy customization over discounted coverage. The company emphasizes its dedication to ...Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …695 Atlantic Avenue. Boston, Massachusetts 02111. United States. Web: www.plymouthrock.com Phone: 617-720-1620 Fax: 617-951-1662. AM Best Rating Unit: AMB #: 018527 - Plymouth Rock Assurance Group. Visit the AM Best Rating Services site for access to this company's Best Rating, Best's Credit Report and other information.Cheap Home Insurance in Massachusetts Cost Comparison. Home insurance company. Average annual home insurance cost in Massachusetts. Quincy Mutual. $890. UPC Insurance. $925. MAPFRE. … Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is ... Quickly pay your bill or get your ID cards — you can download our mobile app to have your ID cards with you all the time. Using your name and date of birth — no login required. Get a customized insurance quote from one of the nation's largest insurance companies for auto, home, renters, and more and only pay for what you need.Feb 28, 2023 · Plymouth Rock Car Insurance Cost. Plymouth Rock offers some of the lowest car insurance prices of any auto insurance company, with an average annual auto insurance rate of $1,513. Premiums can range from $337 to $2,682, depending on several factors. Here are the average costs for various circumstances: Car insurance quote from Plymouth Rock who offers homeowners, commercial automobile, motorcycle, boat, RV, and umbrella quotes on policies. Hold on while we put the finishing touches on your auto quote. Finding great savings will take a sec. We are currently unavailable to chat.Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is … Pet. Get your free quote online, call 855-993-4470 or find a local agent to see how Plymouth Rock Assurance can help you save on your auto insurance coverage. To learn more about homeowners insurance, get a quote, call 833-857-5848 or find a local agent. If you need additional information you can visit our Contact Us page.

How much does Plymouth Rock insurance cost? Currently, the national average for a 6 month car insurance policy is $880, whereas Plymouth Rock is about …

Explore All Resources. Look at the Plymouth Rock insurance resource center which has details about state guides, fraud prevention, claims and safety tips.Plymouth Rock offers auto insurance that will help you protect yourself, your family and your assets. In addition to choosing the right coverages, you’ll also need to choose appropriate coverage limits. You’ll find that Plymouth Rock makes the process of getting a quote easy. We’re here to help, along with your independent agent, if you ...At Teachers’ Insurance Plan of NJ, we want to make managing your insurance a convenient, one-stop experience that saves you additional money. That’s why we offer NJ educators the opportunity to keep it simple and bundle homeowners insurance with their auto. Get Quote. Call 844-232-2728. Request a call.Cheap Home Insurance in Massachusetts Cost Comparison. Home insurance company. Average annual home insurance cost in Massachusetts. Quincy Mutual. $890. UPC Insurance. $925. MAPFRE. $1,039.Explore All Resources. Look at the Plymouth Rock insurance resource center which has details about state guides, fraud prevention, claims and safety tips.Plymouth Rock’s insurance experience is generally positive. The company received a solid Bankrate Score of 4.0 out of 5 points for its auto insurance.Plymouth Rock offers typical car insurance coverage options, including comprehensive and collision coverage, rental reimbursement, plus roadside assistance …Filing a Home or Auto Insurance Claim. If you have a Plymouth Rock Assurance home or auto policy and need to report a claim, your Prudential Financial Professional can help make it easy. You can also initiate the claim process yourself. To report your claim yourself, you can file it by phone, or on line 24 hours a day.Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …

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Plymouth Rock has been providing customer-first insurance for over 40 years. In that time, we’ve served more than 700,000 customers and sold more than $1.8 billion in managed premium, earning us an A- “Excellent” rating from A.M. Best Rating Services.Tracy Martin Prudential Financial Professional 609-356-1300 259 Prospect Plains Rd Cranbury, NJ 08512 Monday – Saturday 9:00 am – 5:00 pm Schedule an Appointment Get a Quote Tracy Martin Prudential Financial Professional 609-356-1300 259 Prospect Plains Rd Cranbury, NJ 08512 Monday – Saturday 9:00am-5:00pm Schedule an Appointment Get …Car insurance quote from Plymouth Rock who offers homeowners, commercial automobile, motorcycle, boat, RV, and umbrella quotes on policies. Hold on while we put the finishing touches on your auto quote. Finding great savings will take a sec. We are currently unavailable to chat.Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …New & Improved Included Policy Benefits and E-services. Get Home Safe ($50 cab fare once per policy period) 1. Rider Roadside Assistance included on all on-road motorcycles (24/7 Flatbed Towing up to 35 miles if your motorcycle is disabled) 2. Up to $8000 in Accessory Coverage included on ALL motorcycles with comprehensive coverage*.Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …Login. Email. Show Password. Password. Remember me. Forgot Email Forgot Password. I have read and agree to the Terms and Conditions and I Consent to Conduct Business Electronically. Agree and Continue.695 Atlantic Avenue. Boston, Massachusetts 02111. United States. Web: www.plymouthrock.com Phone: 617-720-1620 Fax: 617-951-1662. AM Best Rating Unit: AMB #: 018527 - Plymouth Rock Assurance Group. Visit the AM Best Rating Services site for access to this company's Best Rating, Best's Credit Report and other information.You can also visit Fetch online or call them at 866-583-8478. 10% Lifetime Discount. As long as you have a Plymouth Rock homeowners policy, you’ll get 10% off your Fetch pet insurance for the life of your pet. No Networks or Preferred Providers. You can use any vet in the U.S. or Canada, including specialists and emergency clinics.Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a …Plymouth Rock was established to offer its customers a higher level of service and a more innovative set of products and features than they would expect from an insurance company. Plymouth Rock's ...The Red Sox Auto and Home Insurance Program is available to customers in MA, NH and CT for $10 (auto) or $16 (home) per year. *Plymouth Rock will pay for your one-time, one-way cab fare home (up to $50) when you find yourself in a situation where it might be unsafe for you to drive (excluding mechanical breakdown). ….

Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …Insurance Customer Service, Claims, and Billing. Our insurance experts are eager to answer your questions. M-F 8AM - 6PM EST. 855-951-6188. ... Plymouth Rock Assurance. Boston, MA Auto Claims: (833) 511-7625 Home Claims: (844) 346-1225 Service: 855-951-6188. Claims Billing. View Details View Less. Progressive.Login. Email. Show Password. Password. Remember me. Forgot Email Forgot Password. I have read and agree to the Terms and Conditions and I Consent to Conduct Business Electronically. Agree and Continue.About this app. Access ID cards, make a payment, report a claim and more. Whether we insure your car, home or motorcycle, we’re here for you. View all of your policies and billing summaries at a glance on the new multi-policy page. Get real-time access to personal auto mobile ID cards.Do you need to add a new driver to your Plymouth Rock insurance policy? You can do it online with our simple and secure tool. Just enter your policy number and some basic information about the driver and the vehicle. You can also prefill some of the fields with your existing data. Add a new driver today and enjoy the benefits of Plymouth Rock.Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …Plymouth Rock Assurance is a regional auto insurance provider available in six Northeastern states. The company has great industry ratings and a wide variety of …Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …Plymouth Rock offers several ways to get in touch with their team for homeowners insurance assistance: By Phone: Plymouth Rock’s homeowners insurance phone number is 844-208-1935. This number is available for all policyholders to use Monday to Friday from 8:30 AM to 7:00 PM Eastern Time. You can also contact their claims … Plymouthrock insurance, For eligible Plymouth Rock customers: Get a receipt for your cab ride. Complete this simple reimbursement form. Mail the form and receipt to us: Get Home Safe. Plymouth Rock Assurance. PO Box 1620. Boston, MA 02112-9100. Or email it, along with a scan of your receipt (scan must be clear and readable) to [email protected] ., Local agents who work with Plymouth Rock can explain the complexities of insurance in simple terms, helping you to navigate the insurance process to make the right decisions. As a regional insurance provider, we pride ourselves on knowing the ins and outs of our communities. A friendly Plymouth Rock agent is also right around the corner ... , About this app. Access ID cards, make a payment, report a claim and more. Whether we insure your car, home or motorcycle, we’re here for you. View all of your policies and billing summaries at a glance on the new multi-policy page. Get real-time access to personal auto mobile ID cards., Plymouth Rock has been providing customer-first insurance for over 40 years. In that time, we’ve served more than 700,000 customers and sold more than $1.8 billion in managed premium, earning us an A- “Excellent” rating from A.M. Best Rating Services., Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …, Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …, Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …, Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is ... , Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is ... , Do you need to add a new driver to your Plymouth Rock insurance policy? You can do it online with our simple and secure tool. Just enter your policy number and some basic information about the driver and the vehicle. You can also prefill some of the fields with your existing data. Add a new driver today and enjoy the benefits of Plymouth Rock., Plymouth Rock offers competitive rates and exclusive benefits on auto and home insurance in several states. See customer reviews, get a quote online or find an agent …, You can make a payment in one of two ways, either by logging in or by providing your policy information:, BOSTON-- (BUSINESS WIRE)--Plymouth Rock Management Company of New Jersey today announced that it has appointed Rick Jaros as Chief Direct Response Officer for the direct-to-consumer auto insurance business. Based in Woodbridge, New Jersey, Jaros reports directly to President and Chief Executive Officer, Jeff Briglia., Plymouth Rock offers several ways to get in touch with their team for homeowners insurance assistance: By Phone: Plymouth Rock’s homeowners insurance phone number is 844-208-1935. This number is available for all policyholders to use Monday to Friday from 8:30 AM to 7:00 PM Eastern Time. You can also contact their claims …, Login. Email. Show Password. Password. Remember me. Forgot Email Forgot Password. I have read and agree to the Terms and Conditions and I Consent to Conduct Business Electronically. Agree and Continue. , 695 Atlantic Avenue. Boston, Massachusetts 02111. United States. Web: www.plymouthrock.com Phone: 617-720-1620 Fax: 617-951-1662. AM Best Rating Unit: AMB #: 018527 - Plymouth Rock Assurance Group. Visit the AM Best Rating Services site for access to this company's Best Rating, Best's Credit Report and other information., BOSTON-- (BUSINESS WIRE)--Plymouth Rock Management Company of New Jersey today announced that it has appointed Rick Jaros as Chief Direct Response Officer for the direct-to-consumer auto insurance business. Based in Woodbridge, New Jersey, Jaros reports directly to President and Chief Executive Officer, Jeff Briglia., Plymouth Rock Assurance offers cheap auto insurance for certain driver profiles. MoneyGeek scored it 63 out of 100 due to lower ratings for satisfaction and …, Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …, Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …, Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …, New hire signals continued commitment to offer innovative policy services and benefits to customers. Boston – March 2, 2021 – Plymouth Rock Home Assurance Corporation, the customer-first, data-driven home insurance provider of choice for the Northeast, announced that it has named Andrew Leeds as Vice President of Claims. In …, Nov 20, 2023 · The average cost of home insurance with Plymouth Rock is $1,002 per year for $300,000 in dwelling coverage — that’s 62% lower than the national average. Here’s a look at the average annual cost for Plymouth Rock home insurance based on different dwelling coverage limits: Dwelling coverage limit. Average annual cost. , Plymouth Rock is the historical site of disembarkation of the Mayflower Pilgrims who founded Plymouth Colony in December 1620. The Pilgrims did not refer to Plymouth Rock in any of their writings; the first known written reference to the rock dates to 1715 when it was described in the town boundary records as "a great rock"., There are multiple ways to contact Plymouth Rock car insurance company. You can call the insurer directly at 855-933-4470 or contact your local agent. You can chat with a Plymouth Rock ..., Nov 20, 2023 · The average cost of home insurance with Plymouth Rock is $1,002 per year for $300,000 in dwelling coverage — that’s 62% lower than the national average. Here’s a look at the average annual cost for Plymouth Rock home insurance based on different dwelling coverage limits: Dwelling coverage limit. Average annual cost. , Plymouth Rock was established to offer its customers a higher level of service and a more innovative set of products and features than they would expect from an insurance company. Plymouth Rock's ..., Plymouth Rock Car Insurance Cost. Plymouth Rock offers some of the lowest car insurance prices of any auto insurance company, with an average annual auto insurance rate of $1,513. Premiums can range from $337 to $2,682, depending on several factors. Here are the average costs for various circumstances:, Getting to Plymouth Rock: Follow Route 3 South to Route 44 (Plymouth). Follow 44 East to the waterfront. When using a GPS, set the destination address for 79 Water Street, Plymouth, Massachusetts, 02360. The memorial is always open, free to the public, 365 days of the year. Free visitor parking is available at the monument., Plymouth Rock is the cheapest minimum-coverage option here with average monthly rates of $62. For full-coverage insurance, GEICO offers cheap rates of $155 per month ., Plymouth Rock Assurance is a Boston-based company, founded in 1982, that provides property and casualty insurance products throughout the Northeastern United States. Their services include policy processing, billing, risk selection, claims management, loss management and prevention, insurance administration, accounting, and reporting. , Feb 28, 2023 · Plymouth Rock Car Insurance Cost. Plymouth Rock offers some of the lowest car insurance prices of any auto insurance company, with an average annual auto insurance rate of $1,513. Premiums can range from $337 to $2,682, depending on several factors. Here are the average costs for various circumstances: , Plymouth Rock Assurance ® and Plymouth Rock ® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is …