Ironshore Insurance Company Review

Ironshore Insurance Company at a Glance

  • Founded in 2006
  • A Liberty Mutual company
  • Offers a wide range of commercial coverages
  • Offers niche/specialty coverage
  • Some coverages available nationwide
  • “A” (excellent) rating by A.M. Best
  • Not rated through the Better Business Bureau (BBB)
  • Strong financial stability
  • Emergency Claims Response Hotline
  • 24/7 claims reporting

Ironshore Pros: 24/7 claims reporting. Strong financial stability. Offers many niche commercial insurance lines including construction insurance, environmental insurance, nonprofit insurance, etc. High rating through A.M. Best. Some coverages available nationwide. Offers comprehensive insurance packages. Smartphone app available.

Ironshore Cons: Relatively young carrier. Not a BBB accredited business. Not rated through the BBB. Lack of customer feedback. No discount information available. No claims process outline on the website. No official claims response timeframe promise.

What Type of Insurance Does Ironshore Offer?

Ironshore offers several types of commercial and specialty coverages. Their insurance products include:

  • Construction insurance
  • Environmental insurance
  • Builders risk insurance
  • Hospital professional liability insurance
  • Physician group practice liability insurance
  • Long-term care professional liability insurance
  • Crime insurance
  • Nonprofit insurance
  • Employment practices liability insurance
  • School leaders liability insurance
  • Commercial property insurance
  • Real estate property insurance
  • General liability insurance
  • Excess and umbrella insurance

This list of insurance products offered by Ironshore is not exhaustive. Your independent insurance agent can help you find even more coverage options through the insurance company.

What to Know about Ironshore

Ironshore was founded in 2006, giving the carrier just under 15 years of experience in the insurance industry today. The insurance company was created with the mission to provide comprehensive insurance for niche commercial lines, like construction, health care, education, and more.

Today, Ironshore offers coverage nationwide, though not all of its products are available in every state. The carrier’s LinkedIn page states that they currently have between 1,001 and 5,000 employees across the country, with about 530 found on the social media platform. Ironshore works with a network of independent retail and wholesale agents and brokers. The carrier is known to be financially stable, and A.M. Best places them in the $2 billion or greater financial size category.

Thanks to its wide selection of specialty insurance products, team of independent insurance agents, and impressive financial strength, Ironshore has earned itself 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 Ironshore an “A” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from A.M. Best assure customers that Ironshore 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’ reputations, A.M. Best’s rating system allows them to make an informed decision about who they can trust to meet their needs in the short term, and also to remain a strong, financially sound company in the long term.

What Discounts Does Ironshore Offer?

While Ironshore does not make information about its specific discounts readily available, several modern insurance companies offer common discounts on competitive coverage types. These discounts include:

  • Proximity to fire station discount: Offered to commercial property insurance customers whose offices are located close to a fire station.
  • Sprinkler system discount: Offered to a variety of business insurance customers who have sprinkler systems installed in their places of work to reduce fire risk. 
  • Safe premises discount: Offered to a variety of business insurance and commercial liability insurance customers who provide a safe work environment for their employees and safe premises for visitors and customers. 
  • Product success track record discount: Offered to commercial liability insurance customers who can provide a track record of product success.
  • Armed car service discount: Offered to crime insurance customers who use an armed car service financial carrier vs. a regular employee or staff member. 

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

Ironshore Customer Service

Ironshore allows customers to report claims via phone or online at any time. The carrier also provides the following customer service options:

  • Online bill pay
  • Online claims reporting
  • Smartphone app claims reporting
  • Email contact option
  • Snail mail contact option
  • General customer service inquiries hotline has the following hours restrictions:

Hours (EST)

Monday-Friday 9 am - 5 pm

The best way to ensure a smooth customer service experience is to work with an independent insurance agent. These agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.


Find The Right Company Today.

Shopping for a company? We have the right one for you.

Ironshore FAQ

What is Ironshore's average claim response timeframe?

Ironshore does not list an official claims response timeframe promise on their website. However, customers are able to file claims 24/7.

What is Ironshore's customer service availability?

Ironshore allows customers to file claims at any time over the phone, online, via a mobile app, or through the regular mail. Their contact options for customer service inquiries have restricted hours, Monday-Friday. Customers can pay their bills through the official website as well. The carrier also has a social media presence on Facebook, Twitter, and LinkedIn, which makes them even more accessible to customers.

What is Ironshore's claims process?

Ironshore allows its customers to file claims anytime through multiple media. However, the official website does not list any information about their claims process, other than how to file. The carrier’s website breaks down how to file claims by several different insurance types, and provides an informative brochure for customers. Ironshore’s official website boasts the following claims services:

  • 24/7 Emergency Claims Response Hotline (888-292-0249)
  • Rapid on-site response to claims nationwide
  • One point of contact for claims information and handling
  • Regional claims representatives
  • All Ironshore Environmental policies provide up to $150,000 of complimentary public relations crisis response services
  • Smartphone claims app

To check on the status of a claim, customers can get in touch with their independent insurance agent, call the carrier, or log into their online account.

Does Ironshore create a user-friendly experience for customers?

Ironshore’s official website looks a bit dated. But while the layout is not particularly attractive, it is fairly easy to navigate so customers can find the information they’re seeking. That being said, certain pertinent details appear to be missing, such as an official outline of a claims process or a claims response timeframe promise. The carrier does offer some modern customer service options through its website, such as online bill pay and claims filing, and provides 24/7 claims reporting. So, Ironshore may have a ways to go to catch up to other modern carriers in this category, but overall does an adequate job of providing its customers with a user-friendly experience.

Does Ironshore have good construction insurance?

Ironshore offers several types of coverage for specialty niches, one of which is construction insurance. The carrier offers the following coverages in its construction insurance packages:

  • Contractors environmental legal liability
  • Designers and contractors professional liability
  • Casualty construction coverage
  • Primary commercial contractors and commercial subcontractors coverage
  • Umbrella/excess liability insurance for commercial construction risks
  • Architects and engineers and construction professional liability
  • Builders risk coverage

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

Is Ironshore a good insurance company?

Ironshore is among the younger carriers around in the insurance industry today, but they offer a variety of coverage options for niche businesses, which is an important catalogue to have available. The carrier is highly rated for its financial strength through A.M. Best. However, the carrier has not been rated by the BBB, nor is it easy to find virtually any customer reviews across the web to speak to Ironshore’s customer service. The insurance company does offer comprehensive insurance packages nationwide, which is certainly a pro. However, without feedback from customers, it’s hard to pinpoint for sure if Ironshore should be called a good insurance company.

Ironshore Customer Reviews

Ironshore's official website
5 Stars
“I greatly appreciate Ironshore's support for our homes and the care of our patients. We hate having a claim, but it is good to know that Ironshore is behind us if we do have one. I could not have had a more positive experience with the claims process; Ironshore did an outstanding job!”

Ironshore's official website
5 Stars
“I have had positive experiences with Ironshore and the way that Ironshore handled the claims, the outcome, and their coordination with us was great.”

Ironshore's official website
5 Stars
“The Ironshore claims representative was so knowledgeable, supportive, and got a great settlement for us. I was impressed with her knowledge of the business, how to negotiate and how to instruct the people on how to settle to a very reasonable settlement.”

Ironshore's official website
5 Stars
“When we begin to sell more pollution legal liability policies, I can specifically speak to our actual claims experience in dealing with Ironshore's claims' people and that really helps me when we go to sell this to other pools. We are appreciative of the work Ironshore did and in the event one of our clients has a claim in the future, we will be happy to have Ironshore's environmental claims team on our side.”

“Great team of people. Good exposure to many lines of business.”'s Final Review

We award Ironshore a final rating of 3 out of 5 stars. The insurance company is fairly new to the market, with just under 15 years of experience under their belt today. While Ironshore has received a high rating through A.M. Best, the carrier is not rated or accredited through the BBB, which harms their chances of catering to many prospective customers who review these ratings. Ironshore does provide comprehensive insurance packages for many different niche commercial lines, but not all coverages are available nationwide. The insurance company offers 24/7 claims reporting and a smartphone app, which are great modern customer service options. However, the extreme lack of customer feedback virtually anywhere on the web except on the carrier’s official website is a bit alarming. It’s impossible to gauge whether or not customers are satisfied with their experience with the insurance company without visible feedback from an unbiased source. We also don’t like that the carrier’s official website doesn’t detail their claims process, or list a claims response timeframe promise for its customers. That’s why, overall, we suggest doing further research with the help of your independent insurance agent before selecting Ironshore as your next trusted insurance company.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn

©2023, Consumer Agent Portal, LLC. All rights reserved.