Empire Insurance Company Review
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Empire Insurance Company Final Score
1 Star
We award Empire Insurance Company a final rating of one out of five stars. The insurance company has several decades of experience under its belt, along with high ratings from AM Best and the BBB. However, the carrier does not provide much detail about its coverages, discounts, or claims processing.
It's also virtually impossible to find any customer feedback about this carrier. Without customer reports on the carrier's customer service or coverage, it's difficult for us to recommend them based on financial strength alone. Overall, we suggest looking into other options with your independent insurance agent and skipping Empire Insurance Company.
Key Takeaways
- Founded in 1949
- Offers several forms of coverage
- Rated "A+" (superior) by AM Best
- Rated "A+" (excellent) by the Better Business Bureau (BBB)
Empire Insurance Company Pros and Cons
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What Type of Insurance Does Empire Insurance Company Offer?
Here's an overview of the products offered by Empire Insurance Company.
- Fire insurance
- Engineering insurance
- Auto insurance
- Personal accident insurance
- Comprehensive general liability insurance
- Marine insurance
Your independent insurance agent can help you find more information about the coverages offered by Empire Insurance Company and help you decide if this insurance company is right for you.
What to Know about Empire Insurance Company
Empire Insurance Company was founded in 1949, giving the carrier more than 70 years of experience in the insurance industry. The insurance company offers several forms of coverage, including personal accident insurance, car insurance, general liability insurance, marine insurance, and more.
Thanks to its extensive history and selection of coverages offered, Empire Insurance Company has earned itself a reputation as a stable carrier with a strong future outlook. AM Best gives the insurance company an overall “A+” rating, indicating the carrier is a superior choice for insurance customers.
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.
What Discounts Does Empire Insurance Company Offer?
Empire Insurance Company does not make information about its specific discounts readily available. However, an independent insurance agent can help find these details for you. Independent insurance agents work hard to find you the most affordable coverage that still gets the job done right.
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Empire Insurance Company Customer Service
Here's an overview of Empire Insurance Company's customer service options and availability.
- Phone
- Snail mail
- The customer service phone department hours are not specified
To ensure a great 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.
Empire Insurance Company FAQs
Empire Insurance Company does not specify a claims response time frame.
Empire Insurance Company does not specify its customer service phone department's contact hours. The carrier does also allow customers to contact it via email or snail mail.
Empire Insurance Company does not provide much detail about its claims process, except for an email address for filing claims. However, an independent insurance agent can file claims for you, as well as keep you updated through every step of the process.
Empire Insurance Company's official website could use a major update. There's not much information available about their coverages, discounts, or claims processing. The carrier also seems not to have much of a social media presence. Overall, Empire Insurance Company is seriously lacking in the user-friendliness department.
Empire Insurance Company offers several types of coverage, including auto insurance, which they call motor vehicle insurance. Their official website lists the following details about their motor vehicle insurance.
"Types of coverage
- Compulsory third party liability (CTPL)
- Loss or damage
- Voluntary third party liability (VTPL):
- Death/bodily injury
- Property damage
Optional coverage
- Unnamed passenger personal accident (UPPA)
- Extended coverage – flood, typhoon, volcanic eruption, earthquake, or strikes, riots, and civil commotion"
An independent insurance agent can help you find more information about Empire Insurance Company's motor vehicle insurance, as well as their other coverages offered.
Empire Insurance Company is highly rated by both AM Best and the BBB and has demonstrated solid financial strength over the years. However, it's difficult to find any customer feedback to be able to rule whether Empire Insurance Company is indeed a good carrier.
https://ratings.ambest.com/companyprofile.aspx?ambnum=2147&URatingId=-1&bl=0&AltSrc=3&PPP=&AltNum=832147&Ext_User=66.249.75.45&Ext_Misc=CompanyProfile:&Portal=0
https://www.bbb.org/us/ma/charlestown/profile/insurance-companies/empire-insurance-company-0021-68401