One Inc — the US carriers using its insurance payments platform in 2026.

TL;DR

• ~16 named US carriers publicly use One Inc as of 2026: Arbella Insurance Group, GoAuto Insurance, Mutual Benefit Group, The Philadelphia Contributionship, MAPFRE Insurance, Mountain West Farm Bureau, Penn National Insurance, Virginia Farm Bureau Insurance, Columbia Insurance Group, Brethren Mutual, Grange Insurance, National Indemnity Company (Berkshire Hathaway), North American Risk Services, Pearl Holding Group, Westfield Insurance, Selective Insurance.
• The customer roster is concentrated at regional mutuals, farm-bureau carriers, and specialty mid-market writers. Tier-1 nationals (State Farm, Allstate, Progressive, Liberty Mutual) are not on the public list — they typically have proprietary or legacy payments infrastructure.
• The pattern: One Inc wins where carriers want modern payment capabilities (digital premium payment, click-to-pay claim disbursement, embedded-payments) without building it themselves. Mid-market and regional carriers benefit most because they can't justify proprietary payment-infrastructure builds.
• For carriers evaluating insurance-payments platforms in 2026, One Inc competes most directly with: Snapsheet Transactions (claim-payment focused), Vitesse (international payments / claim disbursement), J.P. Morgan Treasury Services + various TPP integrations, Fiserv / FIS (incumbent payments-platform processors), and proprietary builds.
• One Inc's positioning is the insurance-specific modern-payments-platform layer — purpose-built for insurance workflows (premium-billing schedules, claim-payment compliance, agent/broker commission flows) rather than generic payments infrastructure adapted for insurance.

The 2026 carrier roster

All carriers below are sourced individually on the One Inc tool card with primary URLs.

Regional mutuals + cooperatives

• Arbella Insurance Group — New England regional
• Westfield Insurance — Ohio-based regional
• Selective Insurance — broad mid-market
• Penn National Insurance — Pennsylvania regional
• Grange Insurance — Ohio-based regional
• Philadelphia Contributionship — historic Pennsylvania mutual
• Mutual Benefit Group — Pennsylvania mutual
• Columbia Insurance Group — Iowa-based
• Brethren Mutual — Maryland mutual

Farm-bureau / agricultural

• Mountain West Farm Bureau — Wyoming / Western states
• Virginia Farm Bureau Insurance

Specialty + niche

• MAPFRE Insurance — global multinational US arm
• GoAuto Insurance — Louisiana non-standard auto
• National Indemnity Company — Berkshire Hathaway commercial
• North American Risk Services — TPA / specialty
• Pearl Holding Group — Florida specialty

What One Inc actually does

One Inc is a modern insurance-payments platform spanning the full insurance payment lifecycle:

Premium intake (PremiumPay) — digital premium-payment acceptance from policyholders: credit cards, ACH, digital wallets, recurring schedules, payment plans, mobile-friendly checkout. Handles installment-billing schedules, lapse / reinstatement workflows, agent-of-record commission flows.

Claim disbursement (ClaimsPay) — modern claim-payment disbursement: digital instant-pay (push-to-debit, push-to-bank, digital wallets), traditional ACH, paper checks. Handles compliance (1099 reporting, sanctions screening, multi-payee disbursement for liens / mortgages / attorneys).

Reconciliation and reporting — bank-feed reconciliation, payment exception handling, audit trail.

Embedded payments for ecosystem partners — payment infrastructure for InsurTech partners, MGAs, agency platforms.

For carriers using it, One Inc typically:

• Modernizes premium-payment intake — replaces legacy IVR / mailed-check / agent-collected payment workflows with digital-first acceptance
• Reduces claim-payment cycle time from days to seconds (digital instant-pay) — improves claim-NPS materially
• Eliminates manual reconciliation overhead — automated bank-feed reconciliation, exception-handling workflows
• Provides compliance infrastructure (sanctions screening, 1099 reporting, multi-payee handling) carriers don't want to build

Why the customer roster looks like this

Three reasons One Inc's customer base concentrates at regional and mid-market:

1. Tier-1 nationals have proprietary or legacy payments infrastructure. State Farm, Allstate, Progressive, Liberty Mutual, USAA all have either proprietary payments infrastructure or deep relationships with banks (J.P. Morgan, BofA, Wells Fargo) for payments processing. Tier-1s rarely buy a payments platform; they integrate with banks directly.

2. Regional mutuals and farm-bureau carriers can't justify proprietary builds. A Westfield, Penn National, Grange, or Virginia Farm Bureau can't justify building modern-payments infrastructure from scratch. Buying One Inc is the rational choice — purpose-built for insurance workflows, faster deployment than custom build.

3. Modern claim-payment expectations. Policyholders increasingly expect instant claim payment (push-to-debit, digital wallet) rather than waiting for mailed checks. Carriers that don't modernize claim-payment fall behind on customer-NPS metrics — driving One Inc adoption among carriers competing on customer experience.

Adjacent vendors and how One Inc fits

Three categories of overlap:

Direct insurance-payments competitors: Snapsheet Transactions is the closest direct competitor on the claim-disbursement side specifically (Snapsheet partnered with KeyBank for claim-payment infrastructure). Vitesse is competitive on international claim payments. ePayPolicy focuses on premium-payment specifically.

Generic payments processors adapted for insurance: Fiserv, FIS, J.P. Morgan, BofA — incumbent payments-platform processors that some carriers use directly (especially tier-1s). Less insurance-specific workflow depth than One Inc, but deeper bank-relationship depth.

Embedded payments via partners: Stripe, Adyen, Braintree — generic payments processors that some carriers use for premium intake. Less insurance-specific (no installment-billing-schedule handling, no multi-payee claim-disbursement) but flexible for newer / digital carrier models.

What this means for buyers

For carriers evaluating One Inc in 2026:

1. It's the modal regional / mid-market insurance-payments choice. With 16 named carriers concentrated at this tier, you can find a peer with operational experience.
2. Build-vs-buy economics tilt heavily toward One Inc at mid-market. For carriers below ~$2B in DWP, building modern payments infrastructure from scratch is rarely defensible.
3. Claims-payment modernization is increasingly competitive. Customers expect instant payment; carriers that don't deliver fall behind on NPS. One Inc's ClaimsPay product addresses this directly.
4. The integration depth matters. One Inc plugs into Guidewire (PolicyCenter, ClaimCenter, BillingCenter), Duck Creek, Snapsheet claims platform, and proprietary systems. Verify the integration is real and recent for your specific stack.
5. Watch the consolidation dynamic. Insurance payments has been a target for PE consolidation; One Inc's strategic options through 2026-2027 could include further acquisition activity (One Inc has acquired multiple smaller payment vendors). The vendor's strategic trajectory matters for long-term planning.

Adjacent reading

• One Inc — vendor card — full sourced customer list with primary URLs
• Snapsheet US carrier roster 2026 — adjacent claims-platform with partial payment overlap
• Hi Marley US carrier roster 2026 — adjacent customer-experience modernization category
• Carrier × vendor matrix — broader graph of who uses what