Mid-Continent Excess and Surplus Insurance Company Review (2024)
Mid-Continent Excess and Surplus Insurance stands out as a trusted leader in specialized insurance solutions, offering personalized coverage and competitive rates to cater to the distinct needs of businesses, from small enterprises to large corporations.
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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Mid-Continent Excess and Surplus Insurance
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A+ (Superior)Complaint Level:
LowPros
- Specialized coverage tailored to business needs
- Competitive rates for various insurance types
- Efficient and straightforward application process
- Strong industry insights and adaptability
- Excellent customer service and personalized solutions
Cons
- Limited availability for personal insurance
- May not be the cheapest option for basic coverage
- Smaller market presence compared to some larger insurers
In this comprehensive article, we explore the world of Mid-Continent Excess and Surplus Insurance, a trusted leader in specialized insurance solutions.
Starting with an introduction highlighting their diverse range of coverage options, including commercial property, general liability, excess liability, professional liability, and special events insurance, we delve into what sets the Mid-Continent apart.
With a low complaint level and an A+ A.M. Best rating, this company excels in providing tailored coverage, competitive rates, an efficient application process, and industry insights that adapt to ever-changing business landscapes.
Whether you’re a small enterprise or a large corporation, Mid-Continent’s personalized service and commitment to long-term customer relationships make it a standout choice in the insurance industry.
Mid-Continent Excess and Surplus Insurance Coverage Options
Mid-Continent Excess and Surplus Insurance offers a wide range of coverage options tailored to the unique needs of businesses. Their comprehensive coverage solutions provide protection across various sectors. Here’s a bullet list of the coverage options offered by the company:
- Commercial Property Insurance: Protects physical assets, including buildings, equipment, and inventory, from a range of perils such as fire, theft, and natural disasters.
- Commercial General Liability (CGL): Provides coverage for legal and financial risks associated with bodily injury, property damage, and advertising injury claims, offering essential protection for businesses.
- Excess Liability Insurance: Offers additional coverage beyond the limits of primary insurance policies, safeguarding businesses against large liability claims that exceed standard coverage.
- Professional Liability: Also known as errors and omissions insurance, this coverage is tailored for professionals and service providers, protecting against claims of negligence or errors in service delivery.
- Special Events Insurance: Designed to cover risks associated with one-time events, such as weddings, concerts, and trade shows, ensuring that these special occasions go off without a hitch.
- Industry-Specific Coverage: Mid-Continent specializes in understanding the unique needs of various industries, including real estate, construction, manufacturing, and more, and provides tailored insurance solutions for each sector.
- Customized Coverage: The company offers the flexibility to customize coverage to meet specific business requirements, ensuring that clients get the protection they need, no matter how unique their needs may be.
- Risk Management Services: In addition to traditional coverage, Mid-Continent provides valuable risk management services to help clients identify and mitigate potential risks, enhancing overall protection.
These comprehensive coverage options, combined with their commitment to customization and industry expertise, make Mid-Continent Excess and Surplus Insurance a go-to choice for businesses seeking specialized insurance solutions.
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Mid-Continent Excess and Surplus Insurance Rates Breakdown
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| Driver Profile | Mid-Continent Excess and Surplus | National Average |
|---|---|---|
| Clean Record | $135 | $119 |
| 1+ Ticket | $149 | $147 |
| 1+ Accident | $177 | $173 |
| DUI | $203 | $209 |
| Poor Credit | $232 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Mid-Continent Excess and Surplus Insurance Discounts Available
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| Discount | Mid-Continent Excess and Surplus |
|---|---|
| Anti Theft | 7% |
| Good Student | 11% |
| Low Mileage | 6% |
| Paperless | 9% |
| Safe Driver | 14% |
| Senior Driver | 5% |
Mid-Continent Excess and Surplus Insurance offers a range of discounts to help clients save on their insurance premiums. These discounts are designed to reward responsible and proactive risk management practices. Here’s a list of the discounts they provide:
- Multi-Policy Discount: Clients can enjoy reduced premiums by bundling multiple insurance policies with Mid-Continent, such as combining commercial property and general liability coverage.
- Claims-Free Discount: Businesses with a history of few or no insurance claims may be eligible for lower premiums, rewarding their risk management efforts.
- Safety and Loss Control Programs: Mid-Continent encourages clients to implement safety and loss control measures. Implementing these measures can lead to reduced premiums.
- Long-Term Customer Loyalty Discount: Clients who have been with Mid-Continent for an extended period may qualify for loyalty discounts, demonstrating the company’s commitment to long-term relationships.
- Group Coverage Discounts: Businesses that belong to industry-specific associations or groups may be eligible for group coverage discounts, providing additional cost savings.
These discounts not only help businesses save on their insurance costs but also incentivize proactive risk management practices, creating a win-win situation for both clients and Mid-Continent Excess and Surplus Insurance.
How Mid-Continent Excess and Surplus Insurance Ranks Among Providers
Mid-Continent Excess and Surplus Insurance operates in a competitive landscape within the insurance industry, particularly in the realm of specialized and surplus lines insurance. While the exact list of competitors can vary depending on factors like location and the specific industries served, several well-known companies are generally considered competitors to Mid-Continent.
- Markel Corporation: Markel is a prominent insurance company known for its specialty insurance offerings. They provide coverage for a wide range of industries and have a strong reputation for tailored solutions.
- Tokio Marine HCC: Tokio Marine HCC specializes in specialty insurance products and has a global presence. They offer a diverse range of coverage options, making them a formidable competitor in the surplus lines insurance sector.
- Amtrust Financial Services: Amtrust focuses on small and mid-sized businesses, offering a variety of commercial insurance products. Their emphasis on customer service and flexibility in coverage options makes them a competitor to watch.
- The Hartford: The Hartford is a large insurer that provides a range of insurance products, including commercial property and general liability coverage. They compete with Mid-Continent by offering customized solutions for businesses.
- AXIS Capital: AXIS Capital is a global specialty insurer and reinsurer with a strong presence in the commercial insurance market. They offer diverse coverage options, including excess liability and professional liability coverage.
- Berkshire Hathaway Specialty Insurance: As a part of Warren Buffett’s Berkshire Hathaway, this insurer has substantial financial strength and offers a wide range of specialty insurance products, making it a formidable competitor in the industry.
- Chubb: Chubb is a global insurance giant with a strong reputation for offering high-quality coverage. They compete with Mid-Continent by providing tailored solutions for businesses and individuals.
- CNA Financial: CNA specializes in commercial insurance, providing coverage for businesses across various industries. Their comprehensive offerings make them a competitor in the commercial property and liability insurance space.
- Travelers Insurance: Travelers is a well-established insurance company with a diverse range of insurance products. They compete with the Mid-Continent by offering coverage for businesses of all sizes and industry sectors.
- Liberty Mutual Insurance: Liberty Mutual is a major player in the insurance industry, offering a wide array of commercial insurance products. They provide competition in terms of coverage diversity and customer service.
It’s important to note that the competitiveness of these companies can vary by region and specialization. Businesses seeking insurance coverage should carefully assess their specific needs and compare offerings from different insurers, including Mid-Continent and its competitors, to find the best fit for their requirements.
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Mid-Continent Excess and Surplus Insurance Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Mid-Continent Excess and Surplus Insurance offers a convenient and user-friendly claims process to ensure that policyholders can easily file their claims. They provide multiple channels for filing claims, including online submission, phone support, and mobile apps.
This variety of options allows customers to choose the method that best suits their preferences and needs. Whether you prefer the convenience of filing a claim online, the assistance of a phone call, or the flexibility of a mobile app, Mid-Continent has you covered.
Average Claim Processing Time
One crucial aspect of any insurance provider’s performance is the speed at which they process claims. Mid-Continent Excess and Surplus Insurance is known for its efficient claim processing.
On average, they strive to handle claims promptly to ensure that policyholders receive the assistance they need when it matters most. Quick claim processing minimizes disruptions for businesses and individuals, providing peace of mind during challenging times.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance in handling claims. Mid-Continent Excess and Surplus Insurance values customer satisfaction and aims to provide fair and effective claim resolutions.
Customers’ experiences with the company’s claim process, including the speed of resolution and the accuracy of payouts, are essential in evaluating their overall satisfaction. The company’s commitment to customer feedback helps them continually improve their claims handling and customer service.
Digital and Technological Features of Mid-Continent Excess and Surplus Insurance
Mobile App Features and Functionality
Mid-Continent Excess and Surplus Insurance understands the importance of technology in today’s insurance landscape. They offer a mobile app that provides policyholders with easy access to their insurance information, claims status, and other relevant features.
The app is designed to be user-friendly and functional, allowing customers to manage their insurance needs conveniently from their mobile devices.
Online Account Management Capabilities
Online account management is a key feature for policyholders who prefer to handle their insurance affairs digitally. Mid-Continent Excess and Surplus Insurance’s online account management portal offers a range of capabilities, such as policy management, bill payment, and access to important documents.
This digital convenience simplifies the insurance experience, allowing customers to access their information and make updates whenever and wherever they need to.
Digital Tools and Resources
In addition to their mobile app and online account management, Mid-Continent provides various digital tools and resources to assist policyholders. These tools may include educational resources, risk management resources, and calculators to help customers make informed decisions about their insurance coverage.
By offering these digital resources, Mid-Continent Excess and Surplus Insurance empowers its customers to navigate the complex world of insurance with confidence.
Frequently Asked Questions
What is Excess Liability Insurance, and why do businesses need it?
Excess Liability Insurance, also known as umbrella insurance, provides additional coverage beyond the limits of your primary insurance policies.
Businesses need it to safeguard their assets in case of large liability claims that exceed their standard coverage. It acts as an extra layer of protection and can be essential in mitigating financial risks.
Can I apply for Mid-Continent Insurance online?
Yes, you can apply for Mid-Continent Insurance online. Their official website provides a convenient application process. However, it’s advisable to consult with their representatives to ensure you choose the right coverage tailored to your specific needs.
Is Mid-Continent Insurance only for large businesses, or do they cater to small enterprises too?
Mid-Continent caters to businesses of all sizes, from small enterprises to large corporations. They understand that each business is unique and customize insurance solutions accordingly. Small businesses can benefit from their tailored coverage options.
How does the Mid-Continent adapt to changing industry trends and emerging risks?
Mid-Continent keeps pace with evolving industry trends and emerging risks through its strong industry insights. They have a dedicated team that monitors the insurance landscape and continuously updates their coverage to address new challenges, ensuring that clients remain well-protected.
Can I switch to Mid-Continent Insurance if I already have coverage with another provider?
Yes, you can switch to Mid-Continent Insurance at any time. Their team is experienced in handling transitions and can guide you through the process to ensure a smooth switch to their tailored coverage. They aim to make the transition as hassle-free as possible for you.
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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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