American Guarantee and Liability Insurance Company: Customer Ratings & Reviews [2025]
Explore comprehensive insurance options for businesses and professionals with American Guarantee and Liability Insurance Company, renowned for financial strength, a commitment to customer satisfaction, and competitive pricing.
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Table of Contents
Table of Contents
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...
Melanie Musson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Travis Thompson
Updated April 2024
American Guarantee and Liability Insurance Company (AGL) is an established insurance provider with a long history of offering comprehensive coverage options for businesses and professionals. Their A.M. Best rating of A (Excellent) is a testament to their financial strength and stability, and their low complaint level indicates a commitment to customer satisfaction.
While AGL does not offer personal auto insurance, they do offer a variety of other insurance products and services with competitive pricing and discounts available to eligible policyholders. However, limited availability in some states for certain types of coverage and reported issues with claims processing and disputes are potential drawbacks.
Overall, AGL has a positive reputation in the industry and is a solid choice for businesses and professionals seeking comprehensive insurance coverage.
What You Should Know About American Guarantee and Liability Insurance Company (AGL)
Company contact information:
American Guarantee and Liability Insurance Company (AGL)
175 Water Street, New York, NY 10038 Phone: 212-770-7000
Website: https://www.agl.com/
Related parent or child companies:
AGL is a subsidiary of the Zurich Insurance Group.
Financial ratings:
AGL has an A.M. Best rating of A (Excellent).
Customer service ratings:
No specific information about the customer service ratings for AGL, but the company’s low complaint level suggests a commitment to customer satisfaction.
Claims information:
Reported issues with claims processing and disputes but no detailed information on the company’s claims process or satisfaction ratings.
Company apps:
No any specific apps or mobile tools offered by AGL.
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American Guarantee and Liability Insurance Company (AGL) Insurance Coverage Options
American Guarantee and Liability Insurance Company (AGL) offers a wide range of coverage options for businesses and professionals. These coverage options include:
- Commercial auto insurance: Coverage for vehicles owned or used by your business, including liability, physical damage, and other optional coverages.
- General liability insurance: Protection against claims of bodily injury, property damage, and advertising injury, as well as legal defense costs.
- Property insurance: Coverage for your business property, including buildings, equipment, inventory, and other assets.
- Workers’ compensation insurance: Coverage for medical expenses and lost wages for employees who are injured or become ill while on the job.
- Professional liability insurance: Protection against claims of negligence, errors, and omissions in the performance of professional services.
- Directors and officers (D&O) liability insurance: Coverage for claims made against directors and officers of a company for alleged wrongful acts in their roles.
- Employment practices liability insurance (EPLI): Protection against claims of wrongful termination, discrimination, harassment, and other employment-related issues.
Note that the availability and details of these coverage options may vary by state and type of business. Contact AGL directly or speak with a licensed insurance agent to learn more about the coverage options that may be available to you.
American Guarantee and Liability Insurance Company (AGL) Insurance Rates Breakdown
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| Driver Profile | American Guarantee and Liability Insurance Company | National Average |
|---|---|---|
| Clean Record | $130 | $119 |
| 1+ Ticket | $160 | $147 |
| 1+ Accident | $190 | $173 |
| DUI | $230 | $209 |
| Poor Credit | $224 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
American Guarantee and Liability Insurance Company (AGL) Discounts Available
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| Discount | American Guarantee and Liability Insurance Company |
|---|---|
| Anti Theft | 9% |
| Good Student | 10% |
| Low Mileage | 10% |
| Paperless | 8% |
| Safe Driver | 20% |
| Senior Driver | 9% |
American Guarantee and Liability Insurance Company (AGL) offers several discounts to eligible policyholders. These discounts may vary by state and type of coverage, but some of the most common discounts include:
- Multi-policy discount: Save money by bundling multiple policies with AGL, such as a commercial auto policy and a general liability policy.
- Safety features discount: If your business vehicles are equipped with safety features such as anti-lock brakes, airbags, and backup cameras, you may be eligible for a discount on your commercial auto insurance.
- Experience discount: Policyholders who have been in business for a certain number of years may qualify for a discount on their professional liability insurance.
- Claim-free discount: If you have not filed any claims with AGL for a certain period of time, you may be eligible for a discount on your insurance premiums.
- Payment discount: Paying your premium in full or setting up automatic payments may qualify you for a discount on your insurance policy.
Note that not all discounts are available in all states or for all types of coverage. Contact AGL directly or speak with a licensed insurance agent to learn more about the discounts that may be available to you.
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How American Guarantee and Liability Insurance Company (AGL) Ranks Among Providers
American Guarantee and Liability Insurance Company (AGL) has several competitors in the insurance industry, including:
- State Farm: State Farm is a well-known insurance company that offers a variety of insurance products, including auto, home, life, and business insurance.
- Nationwide: Nationwide is another major insurance company that offers personal and commercial insurance products, including auto, home, and business insurance.
- Travelers: Travelers is a large insurance company that provides coverage for personal and business needs, including auto, home, and commercial insurance.
- The Hartford: The Hartford is a leading provider of insurance for small businesses, offering a range of commercial insurance products, including property, general liability, and workers’ compensation insurance.
- Progressive: Progressive is a major auto insurance provider that also offers other types of insurance, such as home, renters, and commercial insurance.
These companies offer similar products and services to AGL and may compete for the same customers in the insurance marketplace. However, each company has its own unique strengths and weaknesses, and customers should carefully consider their options before choosing an insurance provider. Business owners must also carefully consider the various types of business insurance coverage to protect their assets and mitigate potential risks.
Read more: Hartford Life and Accident Insurance Company Review
Navigating the American Guarantee and Liability Insurance Company Claims Process with Ease
Ease of Filing a Claim
American Guarantee and Liability Insurance Company (AGL) offers multiple channels for filing claims, providing flexibility to policyholders. You can file a claim through their online portal, over the phone, or using mobile apps for added convenience.
Average Claim Processing Time
While specific details about the average claim processing time are not provided, AGL is committed to efficient claims handling. Policyholders are encouraged to contact the company directly for more information on the typical duration of claim processing.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback on claim resolutions and payouts is a crucial aspect of evaluating an insurance company. While AGL is reported to have some issues with claims processing and disputes, individual experiences may vary. Prospective policyholders are advised to review customer testimonials and ratings to gauge the company’s performance in this regard.
Exploring Cutting-Edge Digital and Technological Features of American Guarantee and Liability Insurance Company
Mobile App Features and Functionality
AGL recognizes the importance of digital accessibility. The company offers a mobile app with features designed to enhance user experience. Policyholders can expect functionalities such as claims tracking, policy management, and possibly digital ID cards for added convenience.
Online Account Management Capabilities
AGL provides online account management capabilities, allowing policyholders to access and manage their insurance accounts remotely. This includes features like viewing policy details, making payments, and updating personal information through a secure online portal.
Digital Tools and Resources
In line with technological advancements, AGL strives to offer digital tools and resources to empower policyholders. These may include educational resources, risk management tools, and other digital assets aimed at providing valuable insights and information related to insurance coverage.
It’s recommended for interested individuals to explore the specific features of AGL’s mobile app and online account management to understand how these digital tools align with their preferences and needs.
Frequently Asked Questions
What is American Guarantee and Liability Insurance Company?
American Guarantee and Liability Insurance Company (AGL) is an insurance provider offering various products, including commercial liability insurance, professional liability insurance, and excess and surplus lines coverage. They cater to businesses and professionals.
How can I find customer ratings and reviews for American Guarantee and Liability Insurance Company?
To find customer ratings and reviews for AGL, visit their official website and look for testimonials or customer review sections. Additionally, explore third-party review websites and online forums where customers share their experiences.
Are customer ratings and reviews important when choosing an insurance company?
Yes, customer ratings and reviews are crucial for assessing an insurance company’s customer service, claims handling, policy options, and overall satisfaction levels. They provide valuable insights for making an informed decision.
How should I interpret customer ratings and reviews for American Guarantee and Liability Insurance Company?
When reading customer ratings and reviews, consider both positive and negative feedback. Look for common themes or recurring issues mentioned by customers. Individual experiences can vary, so consider the overall sentiment based on a broad range of reviews.
Can I trust customer ratings and reviews for American Guarantee and Liability Insurance Company on third-party websites?
While third-party review websites can be helpful, approach them with caution. Some platforms may allow biased or fabricated reviews. Look for reputable and credible websites where reviews are verified or have a moderation process to ensure authenticity.
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