Seneca 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 Seneca Insurance Score
3 Stars
We award Seneca Insurance a final rating of three stars. The insurance company has more than four decades under its belt and has earned a high rating from AM Best for financial strength. Seneca offers several specialty products for niche industries, which is an important area of the market to cover. While Seneca's website could benefit from an update, the carrier provides 24/7 claims reporting for its customers.
Seneca is a subsidiary of Crum & Forster, which dates back to 1822. Seneca offers a good selection of specialty insurance products, including businesses in bankruptcy insurance solutions, labor unions insurance, vacant property insurance, inland marine insurance, and more. Seneca has two underwriting companies, one of which is a surplus lines company, and the other is an admitted carrier in every state in the U.S.
Though Seneca Insurance offers coverage nationwide, not all of its policies are available in every state. The carrier also currently has a poor rating from the BBB and is not accredited by the organization.
Seneca Insurance Company Pros and Cons:
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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.
Seneca Insurance Products by Type
Seneca offers several coverage options for niche businesses. Its catalog includes the following insurance products.
Vacant Commercial Property Insurance
- Property & liability insurance package
- Monoline property insurance
Business Insurance
- Commercial property & general liability insurance package
- Premises liability insurance
- Product liability insurance
- Contractual liability insurance
- Monoline property insurance
- Monoline general liability insurance
- Commercial umbrella insurance
- Bankruptcy insurance
- Labor unions insurance
- Commercial auto insurance
- Business interruption insurance
- Commercial umbrella insurance
- Inland marine insurance
- Fine arts business insurance
- Energy business insurance
- Food manufacturing business insurance
- Manufacturing & metal business insurance
Real Estate Insurance
- Ordinance or law insurance
- Newly acquired or constructed property insurance
- Computer fraud coverage
- Personal effects and property of others coverage
- Pollutant clean-up and removal coverage
- Sewer and drain backup coverage
- Equipment breakdown insurance
- Non-owned watercraft liability insurance
Seneca Insurance Business Insurance
Seneca Insurance offers special business insurance packages for many different niches, including those in energy, manufacturing, and fine arts fields. The carrier provides the products you'd expect in a business insurance policy, including commercial general liability insurance and commercial property insurance. Here's a closer look at some of the specific business insurance coverages that Seneca Insurance offers.
Coverage types, features, and benefits:
Liability
Seneca Insurance offers several forms of liability protection, including premises liability, product liability, contractual liability, and general liability coverage. These policies protect your business against claims of bodily injury or personal property damage to third parties, including customers, as well as claims of faulty products and issues that arise during a contractual period.
Commercial property
Seneca Insurance provides commercial property insurance for businesses to protect tools, machinery, office equipment, and inventory used for business purposes. This coverage can provide reimbursement if company property is stolen or damaged by a listed peril such as fire.
Equipment breakdown
Seneca Insurance offers equipment breakdown insurance for many types of businesses. This coverage can pay to repair or replace your business's equipment if it breaks down due to a covered cause.
Commercial umbrella
Seneca Insurance provides commercial umbrella coverage to extend your business's liability protection in case of an expensive lawsuit. This coverage is available in limits up to $5 million.
Business interruption
Seneca Insurance also provides business interruption insurance, which can reimburse your company for ongoing expenses during temporary covered closures. This coverage can pay employee wages, rent, and other expenses if your business must temporarily shut down due to a covered disaster like a fire.
Seneca Insurance Business Insurance Average Prices
Seneca Insurance doesn't offer average pricing for its products online. However, an independent insurance agent can help you find out more information about the carrier's policies and rates. Your agent can find exact quotes for any of Seneca's insurance policies for you.
What Discounts Does Seneca Insurance Offer?
Seneca Insurance does not make information about its discounts readily available. To find out more about the company's discounts, contact an independent insurance agent.
Seneca Insurance Customer Service
Here's a breakdown of Seneca Insurance's customer service options and availability.
- Phone
- Snail mail
- Online contact form
- Online claims reporting
- Fax claims reporting
| Days | Hours | ||
| Monday-Friday | Not specified | ||
| Saturday | Not specified | ||
| Sunday | 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.
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Seneca Insurance FAQs
Seneca allows customers to file claims 24/7 and has online and phone contact options. However, the insurance company does not detail a specific claims response time frame.
Seneca Insurance does not list its phone department hours, but has a couple of different contact methods for customers, as well as 24/7 claims reporting. The carrier is also available on LinkedIn and Facebook.
Seneca does not list its claims process in a step-by-step format beyond how to file. If customers have questions, they can contact their independent insurance agent, who can file claims for them and keep them updated every step of the way.
Seneca Insurance's website would benefit from adding further details about its claims process and coverage options. While the carrier does provide 24/7 claims reporting and has a social media presence on LinkedIn and Facebook, its user-friendliness is not quite on par with many other modern insurance companies.
Seneca Insurance offers business coverage for many different niches, including companies in the manufacturing and fine arts industries. The carrier offers the types of protection customers need in a policy, including commercial general liability, commercial property, and business interruption.
Seneca has multiple decades of experience in the insurance industry and a high rating from AM Best. However, the carrier is rated poorly by the BBB, and not all of its products are available in every state. Mixed customer feedback is easily spotted across the web, as well. So, it may be up to individual interpretation if Seneca can be considered a good insurance company.
Seneca's insurance products may be a good match for business insurance customers in various niches, such as the food manufacturing industry. Seneca also offers insurance solutions for labor unions, businesses in bankruptcy, and for owners of vacant property.
Seneca Insurance doesn't make its policy premium rates available online. You can either request a quote from the carrier or work with an independent insurance agent who can obtain this information for you.
https://www.senecainsurance.com/contact-us/
https://www.bbb.org/us/ny/new-york/profile/commercial-insurance-services/seneca-insurance-company-inc-0121-87152526
https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=324