Insurance Products
Insurance Products

Our top priorities are to consistently deliver excellent customer service and to provide our clients with the personal attention they deserve. We cultivate close relationships, allowing us to truly understand your unique needs and adapt our products and services accordingly. Backed by an A (Excellent) rating by A.M. Best, we are the best partner for fleet trucking and workers’ compensation insurance.
Loss Prevention & Safety
Loss Prevention & Safety

An effective loss prevention program is essential to every company’s effort to reduce losses and control costs. Protective’s Loss Prevention & Safety Services Team, comprised of specialists in the transportation industry, uses a collaborative approach with our insureds to address their specific safety and risk management needs. We understand your unique challenges and bring practical solutions.
- Loss Prevention & Safety Overview
- Loss Prevention Resources
  
  Protective Marketplace
  
  Vendor Referral Network
  
  Controlling Your Experience Mod
  
  Online Safety Training
  
  Zywave
  
  Safety Supply Discount Programs
  
  Slip Resistant Shoe Program
  
  Resource Library
  
  IC Safety
  
  Shield
Claims
Claims

Our mission is to put your vehicle back on the road, where it can produce revenue for your business. Protective offers convenient online claim reporting and a centralized claims staff that is available 24 hours a day, seven days a week.
Careers

Careers
About
About

Protective Insurance has a decades-long heritage of marketing and underwriting insurance for the transportation industry. We also specialize in workers’ compensation insurance for transportation-focuses businesses. Backed by our experience and financial strength, we offer diverse, innovative products for companies of all sizes.
Blog

Blog
Contact
Contact

Company Headquarters:

Protective Insurance
111 Congressional Blvd., Suite 500
Carmel, IN 46032
(800) 626-8381
- General Contact Information
- Find an Agent

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Benefits & Wellness

At Protective Insurance, it is our goal to provide a comprehensive and competitive benefit package for our employees to choose from, allowing them to build a coverage plan that protects and provides for themselves and their loved ones.

Core Benefits

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▾ Medical Insurance

We offer a rich health benefit package with premiums shared between our employees and the company. We believe in a strong family culture, which is why we are proud to offer both a PPO and a HDHP option to our employees and their dependents. Employees participating in the HDHP also receive generous semi-annual contributions to a Health Savings Account.
▾ Flexible Spending Accounts
We currently offer two Flexible Spending Accounts (FSA).
- Our Medical FSA is offered to those employees participating in our PPO health plan. This plan provides employees another tax-sheltered benefit that can be used to offset qualifying health expenses.
- Our Dependent Care FSA is a standalone plan that gives parents an option to fund dependent care expenses with pre-tax dollars.
▾ Dental Insurance

Our generous dental coverage applies to preventative, restorative, diagnostic, prosthodontics and orthodontic services. Additionally, our partnership with the carrier gives employees an opportunity to get involved in a college savings plan simply for participating in dental coverage!
▾ Vision Insurance

Our competitive vision plan gives employees the ability to see an array of providers both in and out of network, providing allowances towards exams, glasses, and elective contact lenses.
▾ Retirement Plan

We offer a robust and generous 401(k) plan with bi-weekly company matching and an annual profit sharing. Employees are encouraged to participate as early as one month following their start date, with 100% vesting upon enrollment. Quarterly meetings are held to discuss plan performance and give employees an opportunity to ask questions and gain financial planning insights.
▾ Life Insurance and Disability

Our employees are eligible for two life insurance offerings: Basic Life and Supplemental Life. Our Basic Life plan is paid in full by the company and covers the employee directly. Our employees also have the ability to purchase Supplemental Life coverage that qualifies them to add coverage for their dependents as well.
▾ Paid Time Off

All employees receive a generous number of Paid Time Off (PTO) days that may be used for vacations, sick days and personal time off. Upon hire, employees receive one week of vested PTO and will continue to accrue time each pay period. Employees also have the ability to roll over their unused time year-over-year.

Company-Provided Benefits

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▾ Long-Term Disability/Short-Term Disability

At Protective Insurance, we believe in taking care of our employees to the best of our ability, especially in a time of need. Because of this, we offer both long-term and short-term disability benefits to our employees at no cost.
▾ Parental Leave

Family is important! We are proud to offer a standalone parental leave benefit at no cost to our employees to help supplement time away from the office to adjust to becoming a parent.
▾ Educational Assistance

Protective Insurance encourages self-improvement of its employees. We provide up to $10,000 annually for employees who wish to continue developing their abilities through formal education courses offered by the insurance industry or through job-related courses offered by recognized educational institutions. Reimbursement limits vary based upon degree of advancement.

Additional Benefits

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▾ Fitness Center & Wellness Program

Employees, as well as their family members, have access to our on-site Fitness Center seven days a week. In addition to fitness challenges, we promote activities such as Weight Watchers, health fairs, company sports and other wellness programs.
▾ Referral Bonuses

Our employees regularly recommend Protective Insurance as a great place to work and we believe that great people refer great people. That’s why we provide generous bonuses for referrals.
▾ Training & Development

Employees may choose from a variety of learning solutions to help them develop the skills they need to succeed on the job today and tomorrow. Options include self-paced online courses, virtual classroom workshops, instructor-led workshops, and a comprehensive Professional Rotational Program.
▾ Pet Insurance

We haven’t forgotten your fur babies! We are proud to offer a standalone pet insurance plan to cover your pets as well.
▾ Critical Illness Benefits

Employees have the ability to purchase up to $20,000 in additional critical illness coverage to provide coverage and protection in the case of the diagnosis of a serious medical condition. The benefit does have recurring coverage in the case an illness were to occur more than once over the coverage period.
▾ Accident Plan Coverage

Accidents happen and at Protective Insurance we want to help our employees prepare. We offer an accident coverage plan that provides payment to the employee for costs associated with various accidents and services.
▾ Legal Services

Legal service are made affordable and available to our employees to support life situations such as estate planning, real estate matters, family planning, identity theft, elder care, and so much more!

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Insurance Products

Loss Prevention & Safety

Claims

Careers

About

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Company Headquarters:

Benefits & Wellness

Core Benefits

Company-Provided Benefits

Additional Benefits