Professionals Advocate Insurance Company Review (2024)

Professionals Advocate Insurance Company stands as a trusted leader in the insurance industry, specializing in professional liability coverage and offering a comprehensive array of tailored insurance solutions.

UPDATED: Apr 23, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

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

Advertiser Disclosure

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, 2024Fact Checked
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Professionals Advocate Insurance Company

Average Monthly Rate For Good Drivers

N/A

A.M. Best Rating:

A+ (Superior)

Complaint Level:

Low

Pros

  • Specialization in Professional Liability Insurance.
  • Industry-specific solutions for tailored coverage.
  • Competitive pricing and discounts for policyholders.
  • Efficient claims processing for swift resolution.
  • Strong industry recognition and awards.

Cons

  • Limited geographical coverage (specific regions or states).
  • May not offer as many insurance policy types as some larger insurers.
  • Availability of discounts may vary depending on the policy and location.

Professionals Advocate Insurance Company stands as a trusted leader in the insurance industry, specializing in professional liability coverage and offering a comprehensive array of tailored insurance solutions. With an A+ (Superior) rating from A.M. Best and a low complaint level, Professionals Advocate delivers on its promise of excellence.

They provide professionals and businesses with specialized coverage options, including medical malpractice and cyber liability insurance, all backed by competitive pricing and a commitment to swift claims processing. Their industry-specific expertise, strong recognition, and dedication to innovation make them a top choice for those seeking reliable, customized insurance coverage.

Professionals Advocate Insurance Company Insurance Coverage Options

Professionals Advocate Insurance Company offers a comprehensive range of coverage options to meet the diverse needs of their clients. Here are the coverage options they provide:

  • Professional Liability Insurance: Protects professionals from claims of negligence or errors in their services.
  • Medical Malpractice Insurance: Safeguards healthcare professionals against malpractice claims, ensuring their careers and patients’ well-being.
  • Cyber Liability Insurance: Mitigates the risks associated with data breaches and cyberattacks in our digital age.
  • Business Owner’s Policy (BOP): A bundled policy covering essential insurance needs, including property and liability coverage.
  • Commercial Property Insurance: Protects business property, equipment, and assets from various risks.
  • Workers’ Compensation Insurance: Provides financial protection for employees in case of workplace injuries.
  • Employment Practices Liability Insurance (EPLI): Shields businesses from claims related to employment practices, such as discrimination or wrongful termination.
  • General Liability Insurance: Covers third-party liability claims, fundamental for professionals in various fields.
  • Industry-Specific Solutions: Tailored coverage designed for specific industries, ensuring customized protection.

These coverage options cater to a wide range of professions and industries, offering tailored solutions to address the specific risks each client may face.

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Professionals Advocate Insurance Company Insurance Rates Breakdown

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Driver ProfileProfessionals AdvocateNational Average
Clean Record$165$119
1+ Ticket$145$147
1+ Accident$175$173
DUI$205$209
Poor Credit$284$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Professionals Advocate Insurance Company Discounts Available

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DiscountProfessionals Advocate
Anti Theft8%
Good Student12%
Low Mileage18%
Paperless14%
Safe Driver20%
Senior Driver14%

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Professionals Advocate Insurance Company understands the importance of affordability while providing comprehensive coverage. They offer various discounts to make quality insurance more accessible to their policyholders. Here is a bullet list of the discounts they provide:

  • Multi-Policy Discount: Policyholders can enjoy savings by bundling multiple insurance policies with Professionals Advocate.
  • Claims-Free Discount: Those with a claims-free history may be eligible for discounted premiums as a reward for responsible coverage management.
  • Professional Association Discount: Professionals who are members of certain professional associations or organizations may qualify for exclusive discounts.
  • Safety and Risk Management Programs: Participation in safety and risk management programs may lead to reduced premiums.
  • Good Driver Discount: Safe and responsible drivers with a clean driving record can benefit from lower rates on applicable policies.
  • Loyalty Discount: Long-term policyholders who renew their coverage with Professionals Advocate may be eligible for loyalty discounts.
  • Group Policies: Businesses or organizations purchasing group policies can often secure discounted rates for their members or employees.

It’s essential to note that the availability and specifics of these discounts may vary depending on the type of insurance policy, location, and individual circumstances. Prospective policyholders are encouraged to inquire about available discounts when obtaining a quote from Professionals Advocate Insurance Company.

How Professionals Advocate Insurance Company Ranks Among Providers

Professionals Advocate Insurance Company operates in a competitive insurance industry, and it faces several notable competitors that offer similar insurance products and services. The main competitors of Professionals Advocate Insurance Company include:

  • The Doctors Company: The Doctors Company is one of the largest medical malpractice insurance providers in the United States. They specialize in coverage for healthcare professionals, including physicians and surgeons.
  • Chubb: Chubb is a global insurance company known for providing a wide range of insurance solutions, including professional liability insurance and cyber liability coverage. They have a strong presence in the commercial insurance market.
  • Hiscox: Hiscox is recognized for its cyber liability and small business insurance products. They offer specialized coverage for businesses facing cyber threats and data breaches.
  • Travelers: Travelers is a well-established insurance company offering a broad spectrum of insurance products, including general liability insurance and business owner’s policies. They cater to both small and large businesses.
  • CNA Financial: CNA Financial is a leading provider of commercial insurance solutions, including professional liability coverage. They serve a diverse range of industries and professions.
  • Berkshire Hathaway GUARD Insurance Companies: Berkshire Hathaway GUARD offers various commercial insurance products, including workers’ compensation and general liability coverage, targeting small and medium-sized businesses.
  • Liberty Mutual: Liberty Mutual is a global insurer offering a wide array of insurance options, including commercial property insurance and workers’ compensation coverage. They have a strong presence in the business insurance market.
  • AIG (American International Group): AIG is a multinational insurance corporation that provides a comprehensive range of insurance products, including cyber insurance and professional liability coverage for various professions.

These competitors often differentiate themselves based on factors such as pricing, coverage options, customer service, and industry-specific expertise. Professionals Advocate Insurance Company distinguishes itself by specializing in professional liability insurance and offering tailored solutions for professionals across various sectors.

To remain competitive, Professionals Advocate focuses on delivering personalized service, industry knowledge, and efficient claims processing.

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Claims Experience With Professionals Advocate Insurance Company

Streamlined Claim Filing Methods

Professionals Advocate Insurance Company makes it easy for policyholders to initiate the claims process through multiple convenient channels, including online submission, phone assistance, and mobile app functionality.

This versatility ensures that policyholders can choose the method that best suits their preferences and immediate needs, making the claims process hassle-free.

Efficient Claim Processing

The company prides itself on its commitment to swift claim processing, ensuring that policyholders receive timely assistance when filing claims, though the exact processing time may vary based on the nature and complexity of each claim.

This dedication to efficiency reflects Professional advocate’s desire to provide quick and effective support during challenging times, giving policyholders peace of mind.

Customer Satisfaction With Claim Resolutions

While specific customer feedback is not provided in this content, potential policyholders can explore customer testimonials and reviews to gain insights into the company’s performance in delivering satisfactory claim resolutions and payouts.

These testimonials offer valuable real-world perspectives on the company’s ability to fulfill its promises and meet the needs of its customers, helping individuals make informed decisions about their insurance provider.

Digital and Technological Features With Professionals Advocate Insurance Company

Mobile App Advancements

Professionals Advocate Insurance Company offers a feature-rich mobile app that empowers policyholders with tools for policy management, claims tracking, and easy communication with customer support.

This mobile app is designed to simplify the insurance experience, allowing policyholders to conveniently access essential services and information from the palm of their hand, providing them with greater control and convenience.

Seamless Online Account Management

Through their online platform, policyholders can efficiently manage their accounts, including updating policy information, making payments, and accessing important policy documents, enhancing their overall insurance experience.

This online account management system streamlines administrative tasks, allowing policyholders to make necessary changes and payments with ease, saving them time and effort.

Digital Resources and Tools

While specific digital tools and resources are not outlined in this content, the company likely provides online educational materials, FAQs, and calculators to help policyholders make informed decisions about their coverage and insurance needs.

These digital resources serve as valuable informational assets, empowering policyholders with the knowledge they need to understand their insurance options and make choices that align with their specific requirements.

Frequently Asked Questions

How can I request a quote from Professionals Advocate Insurance?

To request a quote, you can visit our website and fill out the online quote form. Alternatively, you can contact one of our knowledgeable agents who will guide you through the process and assist in assessing your insurance needs.

What types of professionals can benefit from Professional Liability Insurance?

Professional Liability Insurance is designed to benefit a wide range of professionals, including doctors, lawyers, architects, consultants, engineers, and many others. It provides protection against claims of negligence or errors in their professional services.

Are there discounts available for bundling multiple policies with Professionals Advocate?

Yes, Professionals Advocate offers a Multi-Policy Discount, which allows you to save money by bundling multiple insurance policies with us. This can be a cost-effective way to secure comprehensive coverage for your various needs.

How long does it typically take to process an insurance claim with Professionals Advocate?

Our claims processing is known for its efficiency and transparency. While the exact timeline may vary depending on the complexity of the claim, our dedicated team works diligently to ensure a swift resolution.

Can Professionals Advocate customize insurance solutions for my specific industry?

We specialize in crafting insurance solutions tailored to the unique needs of different industries. Our industry-specific coverage ensures that you receive the protection designed to address the particular risks and challenges of your profession or business sector. Please contact us to discuss your specific requirements and how we can customize coverage for you.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

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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