Westminster American Insurance Company at a Glance
- Founded in 1869
- Offers commercial real estate in the Mid-Atlantic region
- Coverage is available in 10 states and they are licensed in 18 states
- “A” (excellent) rating by A.M. Best
- “B-” rating by the Better Business Bureau (BBB)
- Also offers services for business owners (BOP), commercial package, and commercial umbrella policies
- 24/7 phone and online form claims reporting
- Strong financial stability
Westminster American pros: Steadfast carrier with more than 150 years’ worth of experience in the insurance industry. Highly rated by A.M. Best. 24/7 claims reporting via phone or online form. Strong financial stability. Coverage available in 10 states.
Westminster American cons: Not BBB accredited. Difficult to find customer feedback. Not much information about claims process or coverage provided on official website. Official website could use a major update. Limited coverage options. Business hours not provided on official website. Unfortunately, Westminster American does not offer commercial property, workers' compensation, or employee benefits coverage.
What Type of Insurance Does Westminster American Offer?
Westminster American is a specialized insurance company with a focus on coverage for commercial real estate insurance. Their only insurance product offered is as follows.
- Commercial real estate insurance
Your independent insurance agent can help you find more information about the coverage offered by Westminster American and help you decide if this insurance company is right for you.
What to Know about Westminster American
Westminster American was founded in 1869, giving the carrier more than a 150 years’ worth of experience in the insurance industry. Westminster American was originally called the Mutual Fire Insurance Company and they wrote only local home and farm owners policies.
Westminster American offers professional and general liability coverage to protect client in case of a lawsuit for malpractice, negligence, or errors and omissions. Sole proprietors can purchase an individual policy while businesses with multiple employees can purchase group policies that cover all employees.
Today, Westminster American is a leading insurer of commercial real estate in the Mid-Atlantic and they write for business in 10 states across the country. The insurance company's LinkedIn profile states that Westminster American has between 11 to 50 employees, with 17 of them found on the social media platform. As far as financial size, A.M. Best places the carrier in the $250 million to $500 million category.
Thanks to its long history and financial strength, Westminster American has earned a reputation as a stable insurance company with a positive outlook for the future. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives Westminster American an “A” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from A.M. Best assure customers that Westminster American can offer guaranteed, secure coverage from a financially sound 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 are not 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 who will remain a strong, financially sound company in the long term.
What Discounts Does Westminster American Offer?
Westminster American does not make any public information about their discounts available on their official website or across any of their social media platforms.
An independent insurance agent may be able to provide better discount information and premium quotes for coverage through Westminster American. When it comes to coverage, independent insurance agents work hard to make sure you get the most for your money.
Westminster American Customer Service
Westminster American offers customer service claims reporting, online 24/7 or by phone during business hours, for its policyholders. The carrier also provides the following customer service options.
- Online bill pay
- Email contact option
- Online claims reporting form
- Customer service availability - Westminster American has their customer service department business hours listed on their Facebook page and are listed as follows.
|Monday-Friday||8:30 am - 4:30 pm|
By working with an independent insurance agent, you can make sure you have a great customer service experience. Independent insurance agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.
Westminster American FAQ
What is Westminster American's average claim response time frame?
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 their official website.
What is Westminster American's customer service availability?
Westminster American allows customers to file claims online 24/7, over the phone during business hours, or after hours to an answering service, or by email. The carrier’s social media presence extends across Facebook, Twitter, and LinkedIn, which makes them a bit more accessible to customers.
What is Westminster American's claims process?
Westminster American offers a couple of options for claims reporting. However, the insurance company does not detail their claims process on their 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.
Does Westminster American's insurance create a user-friendly experience for customers?
Westminster American Customer Reviews
|“Horrible company.. Denied claim and wouldn't even inform or provide reasoning.” —Prim F.|
TrustedChoice.com's Final Review
We award Westminster American insurance company a final rating of 3.2 out of 5 stars. The insurance company has been around for more than 150 years now, which is extraordinary within the insurance industry. However, it seems the carrier has not used this time to their advantage. Though Westminster American has received high ratings through A.M. Best and the BBB, they have not been accredited through the latter organization and they only offer coverage in 10 states. Their catalog is extremely limited, with a focus on commercial real estate insurance. The insurance company provides 24/7 claims reporting via online form or email, or by phone during business hours. They offer online bill pay, yet does not list its business hours for the customer service department on their official website. There is also not much information about the carrier’s coverage on their official website, nor is there a claims response time frame promise or an outline of their claims process at all. It was impossible to find any customer feedback about the insurance company online. Unfortunately, currently it is difficult to say many positive things about this carrier. So, our recommendation is that if you are in the market for commercial real estate insurance, survey your options for trusted carriers with your independent insurance agent, and perhaps look into Westminster American.
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