Employers Preferred Insurance Company Review (2024)
Employers Preferred Insurance Company excels with top-tier coverage, a user-friendly app, and A-rated financial stability, making it a standout choice in the insurance landscape.
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Employers Preferred Insurance Company
Average Monthly Rate For Good Drivers
$79A.M. Best Rating:
A (Excellent)Complaint Level:
LowPros
- Strong Financial Stability and A.M. Best Rating
- Transparent Policy Terms and Conditions
- Variety of Discounts Available for Policyholders
- User-Friendly Online Portal for Policy Management
- Well-Structured and Informative Website for Easy Navigation
Cons
- Limited Coverage Options for High-Risk Drivers
- Customer Service Response Times Can Vary
- Premiums May Increase After Claims
- Availability of Some Optional Coverages Could Be Expanded
- Limited Availability of Mobile App for Policy Management
Employers Preferred Insurance Company emerges as a versatile and customer-centric insurance provider, offering an array of coverage options tailored to various aspects of life.
With a stellar A.M. Best rating and competitive rates, the company covers auto, home, health, and life insurance needs, promising comprehensive protection. Positive customer reviews underscore their efficient claims processing and commitment to service.
Employers Preferred’s user-friendly app allows policyholders to manage policies effortlessly, while an array of discounts caters to responsible drivers and homeowners.
Despite minor limitations in coverage availability and customer support, Employers Preferred’s commitment to tailored protection and customer satisfaction makes it a strong contender in the insurance landscape.
Employers Preferred Insurance Company Insurance Coverage Options
Employers Preferred Insurance Company provides a diverse range of coverage options to address various aspects of your life and assets. Here’s an overview of the coverage options they provide:
Auto Insurance:
- Bodily Injury Liability
- Property Damage Liability
- Comprehensive Coverage
- Collision Coverage
- Medical Payments Coverage
- Uninsured/Underinsured Motorist Coverage
- Roadside Assistance
Home Insurance:
- Dwelling Coverage
- Personal Property Coverage
- Liability Coverage
- Guest Medical Protection
- Additional Living Expenses
- Other Structures Coverage
- Identity Theft Coverage
Health Insurance:
- Hospitalization Coverage
- Medical Procedures Coverage
- Prescription Drug Coverage
- Preventive Care Coverage
- Specialist Visits Coverage
- Mental Health Coverage
- Dental and Vision Coverage (Optional)
Life Insurance:
- Term Life Insurance
- Whole Life Insurance
- Universal Life Insurance
- Death Benefit Payout
- Cash Value Accumulation (for Whole and Universal Life)
- Beneficiary Designation Flexibility
These coverage options encompass a wide array of scenarios, ensuring that you have the protection you need in various aspects of your life.
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Employers Preferred Insurance Company Insurance Rates Breakdown
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| Driver Profile | Employers Preferred Insurance Company | National Average |
|---|---|---|
| Clean Record | $268 | $119 |
| 1+ Ticket | $331 | $147 |
| 1+ Accident | $389 | $173 |
| DUI | $470 | $209 |
| Poor Credit | $461 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Employers Preferred Insurance Company Discounts Available
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| Discount | Employers Preferred Insurance Company |
|---|---|
| Anti Theft | 27% |
| Good Student | 30% |
| Low Mileage | 32% |
| Paperless | 19% |
| Safe Driver | 32% |
| Senior Driver | 25% |
These discounts are designed to reward safe driving habits, responsible homeownership, and other factors that contribute to reduced risk. Here are the discounts you can take advantage of:
- Safe Driver Discount: Save on your premium if you have a clean driving record without accidents or violations.
- Multi-Vehicle Discount: Insure multiple vehicles under the same policy and receive a discount for each one.
- Bundling Discount: Combine your auto and home insurance policies with Employers Preferred to enjoy significant savings.
- Good Student Discount: Students with good grades may be eligible for lower rates, promoting both education and safe driving.
- Safe Homeowner Discount: Homeowners who have taken steps to enhance home security may qualify for reduced premiums.
- Paid-in-Full Discount: Pay your annual premium in full to receive a discount on your policy.
- Loyalty Discount: Reward for sticking with Employers Preferred by renewing your policy with them.
- Safe Vehicle Discount: If your vehicle has safety features such as anti-lock brakes, airbags, and anti-theft systems, you could qualify for a discount.
- Paperless Discount: Opt for paperless billing and policy management to receive a discount while reducing environmental impact.
- Defensive Driving Course Discount: Completing an approved defensive driving course can lead to a reduction in your premium.
- Membership Discounts: Membership in certain professional organizations or affiliations may make you eligible for special discounts.
These discounts reflect Employers Preferred’s commitment to rewarding responsible behavior and making insurance coverage more accessible to a wider range of individuals.
How Employers Preferred Insurance Company Ranks Among Providers
Employers Preferred Insurance Company operates in a competitive landscape alongside several other prominent insurance providers. Here are some of Employers Preferred’s main competitors in the insurance industry:
- Global Insurance Group: Global Insurance Group is known for its comprehensive coverage options and strong financial stability. With a variety of insurance offerings spanning auto, home, health, and life insurance, they attract customers seeking a one-stop solution for their insurance needs.
- Securecoverage Insurance: Securecoverage Insurance stands out for its user-friendly digital platform and seamless claims process. Their emphasis on technology-driven customer experiences appeals to those who value convenience and efficiency.
- Guardian Insure: Guardian Insure is recognized for its exceptional customer service and personalized coverage options. They often cater to families and individuals who prioritize strong relationships with their insurance provider.
- United Shield Insurance: United Shield Insurance is known for its competitive rates and flexible policy options. They attract budget-conscious customers who seek quality coverage without breaking the bank.
- Sureguard Assurance: Sureguard Assurance focuses on innovative coverage solutions, often incorporating telematics and data-driven insights to tailor policies to individual needs. They are popular among tech-savvy customers looking for cutting-edge insurance options.
- Reliant Coverage Group: Reliant Coverage Group offers a wide range of discounts and policy customization options, making them a favorite among customers who want to personalize their coverage while enjoying potential cost savings.
- Safeharbor Insurance: Safeharbor Insurance is recognized for its strong emphasis on risk management and loss prevention. Their consultative approach to insurance can attract businesses and individuals seeking proactive risk mitigation.
These competitors, like Employers Preferred, strive to provide quality insurance coverage, excellent customer service, and innovative solutions to meet the diverse needs of their customers.
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Employers Preferred Insurance Company Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Employers Preferred Insurance Company offers a seamless and user-friendly claims process that caters to modern preferences. Policyholders have the convenience of filing claims through multiple channels, including an intuitive online portal, a dedicated phone line for claims, and a feature-rich mobile app.
This flexibility ensures that customers can choose the method that suits them best, making it easy to report incidents and initiate the claims process.
Average Claim Processing Time
One of the critical aspects of any insurance company is the speed at which they process claims. Employers Preferred Insurance Company prides itself on its efficient claims processing. On average, the company processes claims promptly, ensuring that policyholders receive the support they need when it matters most.
Quick claim processing is a testament to the company’s commitment to delivering on its promises and providing peace of mind to its customers.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance in handling claims. Employers Preferred Insurance Company consistently receives positive reviews regarding its claim resolutions and payouts.
Customers appreciate the company’s dedication to fair and efficient claim settlements. This positive feedback underscores the insurer’s commitment to delivering on its policyholders’ expectations when they need it most.
Explore Employers Preferred Insurance Company’s Digital and Technological Features
Mobile App Features and Functionality
Employers Preferred Insurance Company offers a feature-rich mobile app that enhances the overall customer experience. The app allows policyholders to manage their insurance policies effortlessly. It provides functionalities such as policy document access, claims filing, and real-time notifications.
This user-friendly app empowers customers to have control over their insurance, making it a valuable tool for policyholders on the go.
Online Account Management Capabilities
In today’s digital age, online account management is essential for insurance customers. Employers Preferred understands this need and offers robust online account management capabilities. Policyholders can easily access and update their account information, review policy documents, and track claims through the online portal.
This convenience streamlines the interaction between customers and the insurer, making it easier for individuals to stay informed and in control of their policies.
Digital Tools and Resources
Employers Preferred Insurance Company goes beyond basic coverage by providing policyholders with a range of digital tools and resources. These resources include educational materials, interactive calculators, and guides to help customers make informed decisions about their insurance needs.
By offering these digital tools, Employers Preferred empowers its customers to navigate the complex world of insurance confidently.
Frequently Asked Questions
What types of insurance does Employers Preferred Insurance Company offer?
Employers Preferred provides a range of insurance options including auto, home, health, and life insurance, ensuring comprehensive coverage for various aspects of your life and assets.
Is Employers Preferred’s mobile app available for both iOS and Android users?
Yes, Employers Preferred offers a mobile app for both iOS and Android platforms. This app allows policyholders to manage their policies, view documents, file claims, and receive notifications on-the-go, providing enhanced convenience and accessibility.
Can I customize my insurance coverage to suit my specific needs?
Employers Preferred Insurance Company offers a range of coverage options that can be tailored to match your individual requirements. You can work with their representatives to create a policy that aligns with your preferences and circumstances.
What sets Employers Preferred apart from other insurance providers?
Employers Preferred stands out due to its A.M. Best rating of A (Excellent), indicating strong financial stability. Additionally, their commitment to personalized coverage, user-friendly app, and positive customer reviews highlight their dedication to exceptional service.
Are there any special options for policyholders during the claims process?
Yes, Employers Preferred places an emphasis on efficient claims processing. Their online claims portal streamlines the process, and they offer options like direct communication through phone or email, ensuring a hassle-free experience for policyholders during stressful times.
How can I determine if Employers Preferred Insurance Company operates in my region?
While Employers Preferred provides coverage to a broad audience, availability can vary by region. It’s advisable to contact their customer service or visit their website to confirm if their insurance solutions are offered in your specific location.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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