Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 11, 2021

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Key takeaways...

  • Essentia is based in Boston, Massachusetts
  • This a private company that is part of a larger corporation, the One Beacon Insurance Group
  • Essential also offers customers fire, marine, direct property and casualty insurance options

This Essentia car insurance review will focus on the Essentia Insurance Company based in Boston, Massachusetts. Essentia is a private company that is part of a larger corporation, the One Beacon Insurance Group. As of 2012, Essentia was sold to Markel Corp along with Hagerty Insurance.

As a whole, the company operates 17 different insurance companies and 4 insurance agencies.

Based in Bermuda, they extend their services to all 50 states through a network of independent insurance agents.

You can easily find and compare car insurance quotes for free from the leading auto insurance companies online – enter your zip code to get started!

What Insurance Plans Does Essential Insurance Offer?

Essentia itself does not appear to have a public website at this time. If you want to learn more about the rates that they offer you will have to contact the company directly. However, their parent company, the One Beacon Insurance Group, does have a website that you can visit.

Generally speaking, clients get quotes and file claims through a local insurance agent. They are available to assist you 24/7. An independent insurance agent can get you multiple quotes from different providers.

Essentia offers both standard and optional car insurance coverage. They specialize in plans designed for classic and other specialty cars. They offer more coverage for aftermarket parts, which is critical if you’re restoring a car to meet your specifications.

Aside from the minimum liability policy required by the state you live in, you can also choose to include roadside assistance and gap insurance coverage. Essential also offers customers fire, marine, direct property and casualty insurance options.

This insurance provider has fewer direct competitors. Automotive collectibles can be complicated, in part because the original parts are hard or impossible to find. The manufacturers stopped making many of them years ago. For collectors in the United States, Essentia covers common repairs and protections you might expect in a classic automobile insurance policy.

If you’re interested in shopping for insurance, you can talk to an independent agent with OneBeacon Insurance Group about your options. You can also use our calculator starting with your zip code to shop for specialty insurance products. You can get quotes in minutes online. Just enter your zip code above to start comparing prices now!


  1. https://www.farmers.com/auto/coverage/
  2. https://www.allstate.com/tools-and-resources/insurance-basics/property-and-casualty-insurance.aspx