Praetorian Insurance is better known as Clarendon National, a large national insurer. As the parent company, this review is about Clarendon National. Clarendon, in turn is owned by Hanover Re, one of the largest re-insurance organizations in the world. This means that they offer coverage to insurance companies. Four different companies make up Clarendon, all of them offer property and casualty insurance.

The four companies are: Clarendon National Insurance Company, Clarendon America Insurance Company, Clarendon Select Insurance Company and Harbor Specialty Insurance Company. Clarendon Select and Harbor Specialty are no longer accepting new applications. Value is a focus for all Clarendon companies so they work hard to be efficient, reduce costs and invest cash reserves effectively.

This philosophy reflects that Clarendon is in the process of completely changing their business model. The entire group of companies continues to transition as a result of corporate changes. With many organizations no longer accepting new business, Clarendon is managing their own insurance against claims. Like hedging a bet on the market, a company that is not taking in new money takes care to stay profitable. The typical model is that new business income off-sets the cost of paying claims on older policies.

If you have insurance through a Clarendon company, there is not current bad press about claims being met and customer service continues to be a focus of the organization. It appears the two remaining companies are accepting new clients through General Agents who offer their products. So get a few car insurance quotes, check out the reviews for Praetorian and other, and your best choice will emerge.

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