Empire Insurance Company 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 Empire Insurance Company.

Empire Insurance Company at a Glance

  • 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: High ratings through AM Best and the BBB. Offers several forms of coverage. Long-standing carrier.

Empire Insurance Company cons: Difficult to find customer feedback. No details provided about claims processing or discounts. Very few coverage details provided. No social media presence. 

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 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 worth 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 their 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 contact option
  • Snail mail contact option
  • Email contact option
  • Customer service phone department hours 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 FAQ

What is Empire Insurance Company's average claim response time frame?

Empire Insurance Company does not specify a claims response time frame.

What is Empire Insurance Company's customer service availability?

Empire Insurance Company does not specify their customer service phone department's contact hours. The carrier does also allow customers to contact them via email or snail mail. 

What is Empire Insurance Company's claims process?

Empire Insurance Company does not provide much detail about its claims process, only an email address for where to file claims. However, an independent insurance agent can file claims for you, as well as keep you updated through every step of the process.

Does Empire Insurance Company create a user-friendly experience for customers?

Empire Insurance Company's official website could use a major update. There's not much information to be found about their coverages, discounts, or claims processing. The carrier also seems to not have much of a social media presence. Overall, Empire Insurance Company is seriously lacking in the user-friendliness department.

Does Empire Insurance Company have good auto insurance?

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.

Is Empire Insurance Company a good insurance carrier?

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 if Empire Insurance Company is indeed a good carrier.

TrustedChoice.com's Final Review

We award Empire Insurance Company a final rating of 1 out of 5 stars. The insurance company has several decades worth 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 skip Empire Insurance Company.

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