American Specialty Insurance and Risk Services Review

We've looked at over 1,000 insurance companies rating them on strength, accessibility, and service to find the best ones. Here's what people think about American Specialty.

American Specialty Insurance Company at a Glance

  • Founded in 1989
  • Coverage available nationwide
  • Offers coverage through AM Best "A rated" companies
  • Rated "A+" by the Better Business Bureau (BBB)
  • Offers 24/7 claims reporting

American Specialty pros: More than three decades' worth of experience in the industry. Highly rated by AM Best and the BBB. Many forms of coverage available. Coverage available nationwide.

American Specialty cons: Official website doesn't provide much detail about coverages offered. Difficult to find reviews. No specific phone department hours provided.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does American Specialty Offer?

Here's an overview of some of the coverages offered by American Specialty insurance company.

  • General liability 
  • Liquor liability
  • Auto insurance
  • Accident medical coverage
  • Excess liability
  • Property insurance
  • Inland marine insurance
  • Workers’ comp

This list of products offered by American Specialty is not exhaustive. Your independent insurance agent can help you find more information about the coverages offered by American Specialty, and help you decide if this insurance company is right for you.

What to Know about American Specialty

American Specialty Insurance and Risk Services, Inc. was founded in 1989, giving the carrier more than three decades' worth of experience in the insurance industry. The carrier offers a multitude of coverages including liability, property insurance, and inland marine insurance for several different industries.

American Specialty's coverage is available in all 50 states. The carrier prides itself on offering not only quality coverage, but outstanding customer service as well. 

Thanks to their commitment to excellence, American Specialty has come to be known as a reputable insurance provider. AM Best gives the insurance companies American Specialty offers its coverage through ratings of “A” (excellent) or higher. 

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 


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What Discounts Does American Specialty Offer?

American Specialty only makes information about one of its specific discounts readily available.

  • Youth teams, leagues, and camps discount Coverage is discounted for leagues and organizations with multiple teams when they purchase insurance together.

The best way to secure discounts and other money-saving hacks on your coverage is to work with an independent insurance agent. Independent insurance agents work hard to find you the most affordable coverage that still gets the job done right.

American Specialty Customer Service

Here's an overview of American Specialty's customer service options and availability. 

  • Phone contact option
  • Email contact option
  • Snail mail contact option
  • Customer service department hours not specified

For a superb customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

American Specialty FAQ

What is American Specialty's average claim response time frame?

American Specialty states that they follow up on all inquiries within 48 hours.

What is American Specialty's customer service availability?

American Specialty allows customers to reach them via phone, email, or snail mail. However, they do not provide specific phone department hours.

What is American Specialty's claims process?

American Specialty does not provide much detail about their claims process beyond how to file. However, if you want more information about the carrier's claims process, an independent insurance agent can help, and even file claims for you.

Does American Specialty create a user-friendly experience for customers?

American Specialty's website is not as comprehensive as many carriers', since their coverage is offered through multiple insurance companies. It's difficult to find information about the coverages available and discounts. They also don't provide specific phone contact hours. Overall, the insurance company is lacking a bit in the user-friendliness department.

Does American Specialty have good property insurance?

American Specialty offers their property insurance for several types of industries, including hotels and condominiums. However, the carrier does not provide much further detail about its coverage. An independent insurance agent can help you find out all you need to know about this coverage, as well as the many others offered through American Specialty. 

Is American Specialty a good insurance company?

American Specialty offers coverage from highly rated carriers and has good ratings itself through AM Best and the BBB. Overall, American Specialty can be considered a good insurance company.'s Final Review

We award American Specialty Insurance and Risk Services, Inc. a final rating of 3 out of 5 stars. The carrier is highly rated by AM Best and the BBB and only offers coverage through highly rated insurance companies. Coverage is available nationwide.

American Specialty offers a plethora of coverage options for customers in many different industries. Online claims reporting is available with a fast response time from the carrier. However, the official website makes it difficult to find much detail about the coverages offered without going through an agent.

Overall, we recommend considering American Specialty and Risk Services, Inc. as an option to be your next trusted insurance provider. You just may want to work with your independent insurance agent to survey a few other options as well.

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