GuideOne Insurance Company Review

GuideOne Insurance Company at a Glance

  • Founded in 1947
  • Offers a selection of specialty coverages
  • Offers coverage for churches and small businesses
  • Coverage available nationwide
  • “A-” (excellent) rating by A.M. Best
  • “A+” (excellent) rating by Better Business Bureau (BBB)
  • Large network of independent insurance agents
  • Prompt claims response
  • Strong financial stability
  • 24/7 claims reporting

GuideOne Insurance Pros: This is a well-established carrier with several decades worth of experience in the insurance industry. It has 24/7 claims reporting and high ratings through A.M. Best and the BBB. Coverage is available for niche small businesses such as churches, educational institutions, nonprofit organizations, and more. It has strong financial stability and prompt claims response.

GuideOne Insurance Cons: This is not a BBB accredited business. There are no online claims filing. The official website could use some work, and there is some mixed customer feedback.

What Type of Insurance Does GuideOne Offer?

GuideOne Insurance offers a handful of niche and specialty coverages to churches and other small businesses. Their products include:

  • Church insurance
  • Education insurance
  • Nonprofit insurance
  • Small business insurance
  • Specialty insurance (construction, technical property, energy & mining)

If you’re looking for any of these coverage solutions to protect your small business, GuideOne Insurance may be just the right insurance company for you.

What to Know about GuideOne Insurance

GuideOne Insurance was founded in 1947, giving the insurance company several decades worth 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, educational institutions, nonprofit organizations, and senior communities. Today, GuideOne Insurance offers several niche and specialty coverage solutions such as church insurance, nonprofit insurance, and more.

Now GuideOne offers their coverage in all 50 states, and works with a large network of thousands of  independent insurance agents. Independent insurance agents allow customers a more personalized and complete experience while shopping for important coverage. The carrier states that they have more than 51,000 commercial policyholders across the country. The insurance company’s LinkedIn page states that they employ between 501-1,000 employees, with more than 650 of them having profiles on the social media platform.

Thanks to its well-established history, team of independent insurance agents, and specialty insurance products offered, GuideOne Insurance has earned a reputation as a financially stable insurance company with a positive outlook for the future. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives GuideOne Insurance an “A-” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from A.M. Best assure customers that GuideOne Insurance is capable of offering guaranteed, secure coverage from a trustworthy and reputable carrier.

Established in 1899, A.M. Best is one of the oldest rating companies in the world. Reviews from A.M. 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 balance sheet. For customers who aren’t as familiar with insurance companies’ respective reputations, A.M. Best’s ratings system allows them to make an informed decision about who they can trust to meet their needs in the short term, and also who will remain a strong, financially sound company in the long term.

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. 

Your independent insurance agent can help you find more information on exact discounts offered by GuideOne Insurance and other ways to save money through the insurance company, helping you to find the coverage you need at the rate you deserve.

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:

  • Fax claims reporting
  • Phone claims reporting
  • Email claims reporting
  • General customer service inquiries hotline has the following hours restrictions:


Hours (EST)


Monday-Friday8 am - 5 pm

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.

GuideOne Insurance FAQ

What is GuideOne's average claim response time frame?

GuideOne Insurance states on their official website that customers will be contacted within 24 hours of filing a claim.

What is GuideOne's customer service availability?

GuideOne Insurance allows customers to file claims at any time over the phone, via fax, or through email. Their contact options for customer service inquiries have restricted hours, Monday-Friday. The carrier also has a social media presence on Facebook, Twitter, and LinkedIn, which makes them more accessible to customers.

What is GuideOne's claims process?

GuideOne’s official website does not detail much about the carrier’s official claims process, other than how quickly they respond and how to file. The carrier does detail the information their 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.

Does GuideOne create a user-friendly experience for customers?

GuideOne Insurance’s official website could use some work. The layout design is OK, but oddly the website’s links seem extremely slow and unresponsive, which could indicate a programming problem. A few customer service options are offered through the website, such as bill pay and requesting quotes. However, the carrier has fewer modernized customer service options than other insurance companies around today, like online claims reporting. The carrier’s 24/7 claims reporting feature is a nice benefit. So, while GuideOne may not be the most user-friendly modern carrier around, they’re also far from the worst.

Does GuideOne Insurance have good church insurance?

GuideOne Insurance was originally founded to offer church and other niche business insurance, though their catalogue has since expanded. The insurance company offers the following coverages for church insurance customers:

  • Property coverage
  • Liability insurance
  • Crime coverage
  • Inland marine insurance
  • Limited flood coverage
  • Business auto insurance
  • Religious expression coverage
  • Umbrella coverage
  • Workers’ compensation
  • Group life insurance
  • Key employee life insurance

Your independent insurance agent can help you find out more about GuideOne Insurance’s church insurance policies, as well as their many other products offered.

Is GuideOne Insurance a good insurance company?

GuideOne Insurance has been around in the industry for a few decades now. The carrier has been highly rated through both A.M. Best and the BBB. Customer feedback is a bit mixed, however 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 Customer Reviews

WalletHub
“It is really important that an insurance company has excellent customer service and a quick response time. I have been so thrilled with my experience with GuideOne. Fortunately, I have only had one accident since I have been with them (about 10 years), but their customer service was so nice and helpful and got my claim resolved in just a few days! My rep. even called to follow up and make sure that I was OK and satisfied with the level of service that we received!! I will highly recommend!!”


WalletHub
“We have GuideOne and in our experience, they are one of the worst. […] We are shopping different companies to switch, they are terrible. I would recommend staying away!”


Consumer Affairs
“The customer service is great. They will answer any question you have about your policy or if you have any concerns they will make sure that everything is handled and to your satisfaction. They have a lot of policy options so you can find whatever you are looking for. If you need insurance to fit your budget then these are the guys to call. They will make sure to help you. There is all types of coverage so you can be sure to find a policy that fits your needs and budget. If you don't find what you are looking for then you can probably find something to fit your lifestyle. There is a great value with this company. They will make sure that the policy fits your budget. They will take whatever you say into consideration and they will make sure that you are satisfied.”


Consumer Affairs
“The customer service was good. I received all the help I needed and it was a good experience. The agent was very kind and helpful through it all. The policy options were almost like all others. You would be a member for years and make sure you pay whatever you need to in order to keep the insurance. Coverage is great. They have many benefits to this. I love it and I highly recommend it to others as well. Read before signing though. Value is fairly good for the insurance. It isn't too expensive and it isn't too cheap for you to think you wouldn't have any type of benefits.”


Consumer Affairs
“I have been with this company numerous years (8+) and have always been satisfied. They always get back to me quickly when the need arises. Whether it is a quick question on the phone or something else, I always feel like they are there for me.”


TrustedChoice.com's Final Review

We award GuideOne Insurance a final rating of 4 out of 5 stars. The insurance company has been around for more than 70 years now, and seems to have used that time to its advantage. GuideOne has high ratings through both A.M. Best and the BBB, and has had zero complaints filed against it through the latter organization. Coverage is offered nationwide through a large network of independent insurance agent, which is certainly a huge pro in our books. The carrier offers 24/7 claims reporting as well as online bill pay and other options like requesting quotes. GuideOne’s coverage focuses on niche small businesses like churches and educational institutions, and seems to offer comprehensive insurance solutions for each one. While customer feedback is a bit mixed, there are plenty of glowing reviews easily spotted across the web. So, if you’re on the market for any of their insurance products, we say go ahead and look into GuideOne Insurance with your independent insurance agent as a possibility to be your next trusted carrier.

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