GuideOne Insurance Company Review 2025
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.
Trusted Choice's GuideOne Insurance Company Score
3 Stars
We award GuideOne Insurance a final rating of three out of five stars. GuideOne has high ratings through both AM Best and the Better Business Bureau (BBB), though it's not accredited by the latter organization. Coverage is offered nationwide through a large network of independent insurance agents, which is certainly a huge advantage in our books. The carrier offers 24/7 phone claims reporting, which is another perk.
GuideOne Insurance was founded in 1947, giving the company more than 75 years of experience within the industry. The insurance company was founded with the mission to offer coverage to “the people who strengthen our communities” by working in churches and nonprofit organizations. Today, GuideOne Insurance offers several niche and specialty coverage solutions such as church insurance, nonprofit insurance, and more.
While the carrier has high official ratings and limited BBB complaints, there are also some negative customer reviews that shouldn't be ignored. Overall, if you’re in the market for nice commercial insurance products, we say go ahead and look into GuideOne Insurance with your independent insurance agent as a possibility for your next trusted carrier. You just may also want to survey some additional options.
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GuideOne Insurance Products by Type
GuideOne Insurance offers a handful of niche and specialty coverages to churches and other small businesses. Its products include:
Business Insurance:
- Commercial property insurance
- Equipment breakdown insurance
- Business auto insurance
- Commercial general liability insurance
- Sexual misconduct insurance
- Cyber insurance
- Directors and officers insurance
- Violent incident response insurance
- Workers’ compensation insurance
- Employment practices liability insurance
- Commercial umbrella insurance
GuideOne Insurance Business Insurance Average Prices
GuideOne Insurance does not make its average business insurance or other coverage pricing information readily available. Interested customers can contact the carrier directly or work with a local independent insurance agent who can obtain quotes. You can also get a better idea of how much a business insurance policy might cost you by using our business insurance calculator.
What Discounts Does GuideOne Insurance Offer?
While GuideOne Insurance does not make information about its specific discounts readily available, several carriers today offer common discounts on similar products. These discounts can include:
- Annual premium discount: Offered to insurance customers who choose to pay their premiums for the entire year up front in a single payment, rather than in monthly increments.
- Safe premises discount: Offered to many types of business insurance customers who provide safe work environments for their employees.
- Close proximity to a fire station discount: Offered to many types of business insurance customers whose places of work are located close to a fire station.
- Formal safety plan discount: Offered to many types of business insurance customers who instate a formal safety plan for their employees while performing job tasks.
- Security systems discount: Offered to insurance customers who protect the property they insure (whether personal or business) with some type of security system to discourage break-ins.
An independent insurance agent can provide better discount information and premium quotes for coverage through GuideOne Insurance. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
GuideOne Insurance Customer Service
GuideOne Insurance allows customers to report claims via phone at any time. The carrier also provides the following customer service options:
- Phone
- Snail mail
- 24/7 phone claims reporting
- Email and fax claims reporting
- Customer service phone department has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Thursday | 8 a.m. - 5 p.m. | ||
| Friday | 8 a.m. - 4:30 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
The best way to ensure a smooth customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.
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GuideOne Insurance FAQs
GuideOne Insurance states the following claim response time frames on its official website:
- Acknowledgment: 15 days to acknowledge the receipt of a claim
- Investigation: 15 days to investigate a claim
- Settlement: 40 days to fully settle a claim
GuideOne Insurance promises to send its Catastrophe Team to investigate the scene of a major disaster and assess the damage within 48 hours.
GuideOne Insurance allows customers to file claims at any time over the phone, via fax, or through email. The insurance company's contact options for customer service inquiries have standard hours, Monday-Friday. The carrier also has a social media presence on Facebook, Instagram, YouTube, and LinkedIn, which makes it more accessible to customers.
GuideOne’s official website does not detail much about the carrier’s official claims process, other than how quickly it responds and how to file. The carrier does detail the information its customers need before filing a claim and provides a special claims form for workers’ compensation-related issues. For further assistance with the claims process, customers would have to call or otherwise reach out to the carrier, or get in touch with their independent insurance agent.
GuideOne Insurance’s official website is easy to navigate. However, the carrier has fewer modernized customer service options than other insurance companies around today, like online claims reporting. The official website also lacks much detail about coverage options or the claims process. That said, the carrier’s 24/7 phone claims reporting feature is a nice benefit. So, while GuideOne Insurance may not be the most user-friendly modern carrier around, it's also far from the worst.
GuideOne Insurance was originally founded to offer church insurance and other niche business insurance, though its catalog has since expanded. The insurance company offers the following coverages for churches and other religious institutions:
- Commercial property insurance
- Equipment breakdown insurance
- Business auto insurance
- Commercial general liability insurance
- Sexual misconduct insurance
- Cyber insurance
- Directors and officers insurance
- Violent incident response insurance
- Workers’ compensation insurance
- Employment practices liability insurance
- Commercial umbrella insurance
Your independent insurance agent can help you find out more about GuideOne Insurance’s church insurance policies, as well as its many other products.
GuideOne Insurance has been around in the industry for a few decades now. The carrier has been highly rated through both AM Best and the BBB. Customer feedback is a bit mixed, but there are many glowing reviews to note. The insurance company prides itself on fantastic customer service and offers 24/7 claims reporting. Overall, GuideOne Insurance has provided evidence of being a good insurance company.
GuideOne Insurance's products may be right for commercial customers in various niches, including churches and religious organizations, non-profit organizations, and human services. Coverage is available nationwide.
https://www.guideone.com/
https://news.ambest.com/PR/PressContent.aspx?altsrc=2&refnum=33571
https://www.bbb.org/us/ia/west-des-moines/profile/insurance-companies/guideone-insurance-0664-102419'