Westminster American Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Trusted Choice's Westminster American Insurance Company Score
2.5 Stars
We award Westminster American Insurance Company a final rating of 2.5 out of 5 stars. The insurance company has been in the insurance industry for more than 150 years. Though Westminster American has received high ratings through AM Best and the Better Business Bureau (BBB), it has not been accredited through the latter organization. The carrier's AM Best rating was also slightly downgraded earlier this year.
Westminster American, originally known as the Mutual Fire Insurance Company, was founded in 1869. In the beginning, Westminster American wrote only local home and farm owners' insurance policies. Over time, the carrier shifted its focus to offering property and casualty products for commercial property owners in the habitational, retail, or office niches. The insurance company is headquartered in Owings Mills, MD.
We have to remove a couple of points because customers are forced to contact an agent to get any information about the carrier's insurance products, rates, and discounts. Coverage is also only currently available in 12 states. If you live in an area where products are available and are interested in Westminster American's coverage, be prepared to speak with an independent insurance agent.
Westminster American Insurance Company Pros and Cons:
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Westminster American Insurance Products by Type
Westminster American Insurance Company focuses on property and casualty coverage for commercial property owners. The carrier offers the following types of insurance:
Commercial Insurance:
- Habitational insurance
- Office insurance
- Retail insurance
What Discounts Does Westminster American Insurance Company Offer?
Westminster American Insurance Company does not make information about its specific coverage discounts readily available. Interested customers can contact the carrier directly or work together with a local independent insurance agent who can obtain quotes for them.
Westminster American Insurance Company Customer Service
Westminster American Insurance Company offers claims reporting online at any time or by phone during typical business hours. The carrier also has an emergency after-hours claims department that's available by phone. Here's an overview of the insurance company's customer service options and availability.
- Phone
- Snail mail
- Online claims reporting
- Customer service phone department has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 8:30 a.m. - 4:30 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
An independent insurance agent can provide better discount information and premium quotes for coverage through Westminster American Insurance Company. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
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Westminster American Insurance FAQs
Westminster American offers claims reporting through a couple of mediums. However, the insurance company does not provide an official claims response time frame promise on its official website.
Westminster American allows customers to file claims online 24/7, over the phone during business hours, after hours to an answering service, or by email. The carrier’s social media presence extends across Facebook, X, and LinkedIn, which makes it a bit more accessible to customers.
Westminster American offers a couple of options for claims reporting. However, the insurance company does not detail its claims process on the official website or social media platforms. If customers have questions about filing or the claims process itself, they can contact the carrier via phone or email or get in touch with their independent insurance agent.
Westminster American’s official website could certainly use an update. The carrier does not provide much information about its claims process or detail a claims response time frame. The carrier also doesn't provide much information at all about its insurance products, which forces customers to contact an agent to learn more.
Westminster American has a strong financial strength rating from AM Best and a high rating from the BBB. However, coverage is only available in 21 states, and it's difficult to find much information about the carrier's insurance products. So, it may be up to individual interpretation whether Westminster American can be considered a good insurance company.
Westminster American's insurance products may be right for commercial property owners who reside or own property in the 21 states in which coverage is available.
Westminster American offers commercial insurance for habitational, office, and retail commercial properties. It's not possible to find further information about the carrier's coverage without going through an agent.
https://www.westminsteramerican.com/
https://news.ambest.com/PR/PressContent.aspx?refnum=34888&altsrc=40
https://www.bbb.org/us/md/owings-mills/profile/insurance-agency/westminster-american-insurance-company-0011-90349665