BHHC Special Risks Insurance Company Review (2024)
BHHC Special Risks Insurance Company, with its A+ A.M. Best rating and a reputation for low complaint levels, continues to stand out as a premier choice for tailored coverage, offering comprehensive solutions for unique risks in various industries.
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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BHHC Special Risks Insurance Company
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A+Complaint Level:
LowPros
- Tailored coverage for specialized risks
- Comprehensive range of insurance options
- Dedicated to addressing unique needs
- Strong financial stability (A.M. Best rating: A+)
- Array of discounts for policyholders
Cons
- Rates can be higher due to specialized coverage
- Limited information on specific policy costs without a quote
Discover the unparalleled protection offered by BHHC Special Risks Insurance Company, a pioneer in tailored coverage for unique risks. From Special Events Liability that ensures flawless occasions to Professional Liability safeguarding professionals’ reputations, BHHC stands as a guardian of specialized needs.
Entertainment Insurance fuels creativity, Sports and Recreation Coverage empowers athletes, and Environmental Liability addresses the planet’s concerns.
BHHC Special Risks Insurance Company Insurance Coverage Options
Discover unparalleled protection through BHHC Special Risks Insurance Company’s extensive coverage options tailored to address specialized risks and unique needs. From events liability to environmental concerns, BHHC stands as a pioneer in crafting customized solutions for diverse industries.
- Special Events Liability Coverage: Whether it’s a wedding, concert, or corporate event, this coverage protects event organizers from unexpected liabilities, ensuring that your special moments go off without a hitch. (For more information, read our “Concert Specialty Insurance Company“).
- Professional Liability Coverage: Also known as Errors and Omissions (E&O) insurance, this coverage is designed for professionals who provide services or advice. It safeguards them from claims of negligence, errors, or omissions that could potentially harm their clients.
- Entertainment Insurance: This coverage caters to the dynamic and ever-evolving entertainment industry. It shields professionals in music, film, theater, and other creative fields from the unique risks associated with their work.
- Sports and Recreation Coverage: Athletes, coaches, sports organizations, and recreational facilities benefit from this coverage. It addresses the risks inherent in sports activities, ensuring that participants can focus on their passion with confidence.
- Environmental Liability Coverage: As environmental concerns grow, so do potential liabilities. BHHC’s coverage helps businesses manage the financial risks associated with pollution, contamination, and other environmental challenges.
Each of these coverage options is meticulously crafted to suit the nuances of the respective industries, providing targeted protection that goes beyond generic insurance policies. BHHC Special Risks Insurance Company stands as a guardian of specific risks, offering peace of mind to individuals and businesses venturing into specialized fields.
Read more: Concert Insurance Company Review
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BHHC Special Risks Insurance Company Insurance Rates Breakdown
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| Driver Profile | BHHC Special Risks Insurance | National Average |
|---|---|---|
| Clean Record | $154 | $119 |
| 1+ Ticket | $204 | $147 |
| 1+ Accident | $258 | $173 |
| DUI | $350 | $209 |
| Poor Credit | $265 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
BHHC Special Risks Insurance Company Discounts Available
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| Discounts | BHHC |
|---|---|
| Anti Theft | 16% |
| Good Student | 18% |
| Low Mileage | 13% |
| Paperless | 6% |
| Safe Driver | 16% |
| Senior Driver | 11% |
BHHC Special Risks Insurance Company not only provides tailored coverage for specialized risks but also offers various discounts to help clients make the most of their insurance investment. Here are some of the discounts you can take advantage of:
- Multi-Policy Discount: When you bundle multiple insurance policies with BHHC, you can enjoy a significant discount on your premiums. This is especially beneficial if you require coverage for different aspects of your business or personal life.
- Claims-Free Discount: BHHC rewards clients who have maintained a claims-free history. If you haven’t filed any claims within a specified period, you could qualify for a discount on your premiums as a token of appreciation for your careful risk management.
- Safety and Security Measures Discount: Implementing safety measures and security protocols can result in reduced risks. BHHC recognizes this effort by offering discounts to clients who take proactive steps to minimize potential hazards.
- Early Renewal Discount: Planning ahead has its rewards. If you renew your policy with BHHC before the expiration date, you can enjoy a discount on your premium, encouraging responsible and timely policy management.
- Professional Association Discount: BHHC values professional affiliations. If you belong to a recognized professional association in your industry, you could be eligible for a discount on your insurance coverage.
- Good Credit Discount: Your financial responsibility extends to insurance. Maintaining a good credit score showcases your reliability, and BHHC acknowledges this by offering discounts to clients with strong credit profiles.
- Loyalty Discount: Long-term relationships matter. BHHC values clients who have been with them for an extended period and expresses gratitude through loyalty discounts that accumulate over time.
- Risk Management Discount: Taking proactive steps to manage risks can lead to cost savings. BHHC offers discounts to clients who have robust risk management practices in place, demonstrating their commitment to safety.
- Group Discount: If you’re part of a group, organization, or association that partners with BHHC, you could benefit from group discounts tailored to your collective needs.
These discounts not only make BHHC’s specialized insurance solutions more accessible but also encourage responsible behavior that aligns with the company’s commitment to comprehensive risk management. By combining targeted coverage with these discounts, BHHC empowers individuals and businesses to thrive in their unique pursuits while safeguarding their interests.
How BHHC Special Risks Insurance Company Ranks Among Providers
In the dynamic landscape of specialized insurance, BHHC Special Risks Insurance Company faces notable competition from industry stalwarts. Companies like Chubb, The Hartford, Hiscox, Tokio Marine HCC, and Markel Corporation stand as formidable rivals, each vying to provide tailored coverage solutions for diverse and niche industries.
- Chubb Special Risks: Chubb is a well-established insurance company known for its comprehensive coverage options, including special risks. They offer a range of specialized insurance solutions, catering to unique industries and risks similar to BHHC.
- Markel Specialty: Markel specializes in niche markets, offering insurance solutions for a variety of unique risks. They are known for their personalized approach to coverage, making them a strong contender in the specialized insurance sector.
- AXA XL: AXA XL provides a wide range of insurance products, including specialty lines that cater to specific industries and risks. Their global presence and diverse offerings put them in competition with BHHC.
- Travelers Special Liability Group: Travelers offers specialized liability coverage for various industries, including entertainment, sports, and events. Their experience in providing targeted coverage makes them a competitor in the special risks insurance space.
- Hiscox: Hiscox is known for its focus on specialty insurance, offering coverage for unique risks such as professional liability, cybersecurity, and more. Their expertise in tailoring coverage to specific needs positions them as a competitor to BHHC.
- Allied Specialty Insurance: Allied Specialty Insurance provides specialized coverage for a range of industries, including entertainment, events, and sports. Their dedicated approach to unique risks makes them a key player in the market.
- The Hanover Specialty Insurance: The Hanover offers specialty lines of insurance that cater to specific industries and risks. Their solutions include professional liability, entertainment insurance, and more, putting them in competition with BHHC.
- OneBeacon Professional Insurance: OneBeacon focuses on providing professional liability insurance for various industries. Their commitment to specialized coverage makes them a contender in the field of tailored insurance solutions.
Amidst a competitive arena dedicated to serving unique risks, BHHC Special Risks Insurance Company navigates alongside these industry contenders, each striving to address specialized needs and offer comprehensive coverage.
In this vibrant market, these companies shape the landscape of tailored insurance, ensuring a myriad of options for businesses and individuals seeking precision in their coverage.
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Simplified Claim Process at BHHC Special Risks Insurance Company
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
BHHC Special Risks Insurance Company understands the importance of a streamlined claims process. They offer policyholders the flexibility to file claims through various channels. Whether you prefer the convenience of online submissions, the personal touch of speaking to a representative over the phone, or the mobility of using their user-friendly mobile app, BHHC has you covered.
This diversity in filing options ensures that policyholders can choose the method that best suits their needs and preferences.
Average Claim Processing Time
One of the key aspects that sets BHHC Special Risks Insurance Company apart is its commitment to swift claim processing. On average, BHHC strives to process claims efficiently, reducing the stress and uncertainty that often accompanies insurance claims.
While individual claim processing times can vary depending on the complexity of the claim, BHHC’s dedication to quick resolutions is a notable advantage for policyholders.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance, particularly when it comes to claim resolutions and payouts. BHHC Special Risks Insurance Company has garnered positive feedback from policyholders regarding their experiences with claim resolutions.
Policyholders have reported satisfaction with the efficiency and fairness of BHHC’s claims processing, which is a testament to the company’s commitment to its customers.
BHHC Special Risks Insurance Company’s Digital and Technological Features
Mobile App Features and Functionality
BHHC’s mobile app is a powerful tool that allows policyholders to manage their insurance policies on the go. The app offers features such as policy access, claims tracking, and even digital ID cards. Policyholders can easily download the app to their smartphones or tablets, providing them with quick and convenient access to their insurance information whenever they need it.
Online Account Management Capabilities
For those who prefer to manage their insurance policies through a web browser, BHHC offers a comprehensive online account management platform. Policyholders can log in to their accounts securely to view policy details, make payments, update personal information, and initiate claims.
This user-friendly online portal simplifies the insurance management process, putting policyholders in control of their coverage.
Digital Tools and Resources
In addition to the mobile app and online account management, BHHC provides a range of digital tools and resources to assist policyholders in making informed decisions. These resources may include educational materials, risk assessment tools, and calculators to help policyholders understand their coverage options better and choose the policies that align with their unique needs.
Frequently Asked Questions
What types of specialized coverage does BHHC Special Risks Insurance Company offer?
BHHC provides specialized coverage options including Special Events Liability, Professional Liability, Entertainment Insurance, Sports and Recreation Coverage, and Environmental Liability.
How does BHHC’s coverage differ from traditional insurance policies?
BHHC’s coverage is tailored to unique risks, offering comprehensive protection beyond generic policies, ensuring a perfect fit for your specific needs.
Are there discounts available for policyholders?
Yes, BHHC offers a range of discounts, including multi-policy, claims-free, safety measures, early renewal, and loyalty discounts, among others.
What sets BHHC apart from its competitors in the specialized insurance market?
BHHC’s commitment to addressing niche risks, coupled with an A+ A.M. Best rating and a low complaint level, makes it a standout choice for tailored coverage.
Is BHHC Special Risks Insurance Company financially stable?
Yes, BHHC boasts an A+ A.M. Best rating, indicating strong financial stability and reliability in providing coverage for unique risks.
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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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