St. Paul Surplus Lines Insurance Company Review (2024)
Navigate the insurance landscape confidently with St. Paul Surplus Lines Insurance Company, offering tailored coverage for individuals and businesses, from property and liability to professional and commercial auto insurance.
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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St. Paul Surplus Lines Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A+Complaint Level:
LowPros
- The diverse range of insurance options
- Personalized policies tailored to specific needs
- Strong financial stability and A.M. Best rating
- Reputation for excellent customer service
- Competitive pricing for various coverage types
Cons
- Limited availability in some regions
- May not be the cheapest option for basic coverage
- Specializes in surplus lines, which may not be suitable for everyone
- Limited online quote functionality
- Fewer branch locations compared to larger insurers
The article delves into St. Paul Surplus Lines Insurance Company, highlighting its diverse range of coverage options, including property, liability, professional liability, commercial auto, and worker’s compensation insurance. With a rich history dating back to its founding in 1985, the company stands as a trusted provider known for its commitment to tailored coverage.
St. Paul Surplus Lines Insurance Company emphasizes the importance of customer satisfaction, offering an array of discounts, including multi-policy, safe driver, and good student discounts, to ensure that comprehensive protection remains affordable.
What You Should Know About St. Paul Surplus Lines Insurance Company
Rates: St. Paul Surplus Lines Insurance Company’s rates are competitively evaluated, taking into account factors such as coverage type, demographics, and policy details. This ensures an accurate reflection of their pricing structure.
Discounts: St. Paul Surplus Lines Insurance Company’s strong emphasis on discounts is reflected in our analysis, showcasing their commitment to making comprehensive protection affordable for policyholders.
Complaints/Customer Satisfaction: St. Paul Surplus Lines Insurance Company’s positive customer feedback and a generally low complaint level contribute to a high rating in customer satisfaction, indicating a commitment to addressing policyholders’ concerns.
Claims Handling: St. Paul Surplus Lines Insurance Company excels in claims handling, providing multiple channels for claims, reasonable processing times, and positive customer experiences with fair settlements. This comprehensive evaluation contributes to a high rating in claims handling efficiency.
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St. Paul Surplus Lines Insurance Company Insurance Coverage Options
St. Paul Surplus Lines Insurance Company is committed to providing comprehensive insurance coverage tailored to your unique needs. Whether you’re an individual looking for personal protection or a business owner safeguarding your assets, they offer a range of coverage options to ensure you have the peace of mind you deserve.
Auto Insurance:
- Liability Coverage
- Collision Coverage
- Comprehensive Coverage
- Uninsured/Underinsured Motorist Coverage
- Personal Injury Protection (PIP)
- Medical Payments Coverage
Homeowners Insurance:
- Dwelling Coverage
- Personal Property Coverage
- Liability Coverage
- Additional Living Expenses (ALE)
- Other Structures Coverage
- Medical Payments to Others
Life Insurance:
- Term Life Insurance
- Whole Life Insurance
- Universal Life Insurance
- Variable Life Insurance
- Final Expense Insurance
Health Insurance:
- Health Maintenance Organization (HMO)
- Preferred Provider Organization (PPO)
- Exclusive Provider Organization (EPO)
- Point of Service (POS)
- High Deductible Health Plan (HDHP)
- Catastrophic Health Insurance
Renters Insurance:
- Personal Property Coverage
- Liability Coverage
- Additional Living Expenses (ALE)
- Medical Payments to Others
Business Insurance:
- General Liability Insurance
- Commercial Property Insurance
- Workers’ Compensation Insurance
- Business Interruption Insurance
- Professional Liability Insurance
- Commercial Auto Insurance
Pet Insurance:
- Accident-Only Coverage
- Accident and Illness Coverage
- Wellness Coverage (Optional)
- Routine Care Coverage (Optional)
- Hereditary and Congenital Conditions Coverage
Travel Insurance:
- Trip Cancellation/Interruption Coverage
- Emergency Medical Coverage
- Baggage and Personal Belongings Coverage
- Travel Delay Coverage
- Rental Car Coverage
Disability Insurance:
- Short-Term Disability Insurance
- Long-Term Disability Insurance
- Own-Occupation Disability Insurance
- Any-Occupation Disability Insurance
- Social Security Disability Insurance (SSDI) Supplement
St. Paul Surplus Lines Insurance Company offers a diverse range of coverage options designed to meet the specific needs of individuals and businesses. With a commitment to personalized service and decades of experience, they are a reliable choice for anyone seeking comprehensive insurance protection.
St. Paul Surplus Lines Insurance Company Insurance Rates Breakdown
| Driver Profile | St. Paul Surplus Lines | National Average |
|---|---|---|
| Clean Record | $83 | $119 |
| 1+ Ticket | $125 | $147 |
| 1+ Accident | $154 | $173 |
| DUI | $208 | $209 |
| Poor Credit | $143 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
St. Paul Surplus Lines Insurance Company Discounts Available
| Discounts | St. Paul Surplus Lines |
|---|---|
| Anti Theft | 8% |
| Good Student | 13% |
| Low Mileage | 7% |
| Paperless | 5% |
| Safe Driver | 13% |
| Senior Driver | 9% |
At St. Paul Surplus Lines Insurance Company, they understand the importance of not only providing comprehensive coverage but also ensuring that it remains affordable for their valued customers. That’s why they offer a range of discounts to help you save on your insurance premiums without compromising on the quality of protection.
- Multi-Policy Discount: Bundling multiple insurance policies, such as auto and home insurance, with St. Paul Surplus Lines can lead to significant cost savings.
- Safe Driver Discount: Rewarding responsible drivers with a clean driving record, offering reduced premiums for those who have maintained a history of safe driving.
- Good Student Discount: Encouraging young drivers to excel academically, this discount offers reduced rates for students who maintain good grades.
- Multi-Vehicle Discount: If you have multiple vehicles insured with the company, you may qualify for a discount on your premiums.
- Long-Term Policyholder Discount: Demonstrating loyalty to St. Paul Surplus Lines Insurance Company can lead to discounts for long-term policyholders.
- Safety Features Discount: If your vehicle is equipped with safety features such as anti-lock brakes, airbags, or anti-theft devices, you may be eligible for additional savings.
- Pay-in-Full Discount: Paying your annual premium in a single lump sum rather than in installments can lead to a discount on your policy.
- Affinity Group Discounts: Some organizations and affiliations may have partnerships with the company that offer special group discounts to members.
- Home Security Discount: Installing a home security system can lead to reduced premiums on your homeowners or renters insurance policy.
It’s important to note that the availability of these discounts may vary depending on your location, the type of policy you hold, and other factors. To get the most accurate information on available discounts and how they apply to your specific situation, it’s advisable to contact St. Paul Surplus Lines Insurance Company directly or visit their website.
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How St. Paul Surplus Lines Insurance Company Ranks Among Providers
St. Paul Surplus Lines Insurance Company stands out as a trusted provider known for its comprehensive coverage and commitment to customer satisfaction. However, it’s essential to be aware of the company’s main competitors, as understanding the alternatives available can help individuals and businesses make informed insurance choices.
- Geico: is one of the largest and most well-known insurance companies in the United States. It’s known for its extensive advertising campaigns and competitive auto insurance rates.
- State Farm: State Farm is another major player in the insurance industry. They offer a wide range of insurance products, including auto, home, life, and more, and are known for their extensive network of agents.
- Allstate: Allstate is a prominent insurance company offering various insurance products, including auto, home, and life insurance. They emphasize features like accident forgiveness and claim satisfaction guarantees.
- Progressive: Progressive is known for its innovative approach to auto insurance, including the use of technology and the Snapshot program, which tracks driving habits to potentially lower premiums.
- Liberty Mutual: Liberty Mutual is a global insurance company offering various insurance options, with a focus on personalized coverage and customer service.
- Nationwide: Nationwide offers a wide range of insurance products and is known for its “On Your Side” promise, emphasizing customer-centric service.
- Farmers Insurance: Farmers is a comprehensive insurance provider offering coverage for auto, home, life, and more, with a strong presence in both urban and rural areas.
- USAA: primarily serves military members and their families, offering a wide range of insurance and financial services with a reputation for excellent customer service.
- Travelers: Travelers provides insurance solutions for individuals and businesses, with a focus on risk management and claims expertise.
- AIG: American International Group is a global insurance giant offering a wide range of insurance products, including property, casualty, and life insurance.
St. Paul Surplus Lines Insurance Company distinguishes itself by providing tailored coverage and personalized service, which can make it a preferred choice for certain individuals and businesses.
To make an informed decision about insurance providers, individuals and businesses often compare coverage, rates, customer reviews, and specific needs to choose the company that best suits their requirements.
St. Paul Surplus Lines Insurance Company Claims Process
Ease of Filing a Claim
St. Paul Surplus Lines Insurance Company offers multiple channels for filing insurance claims, ensuring convenience for their policyholders. Customers can file claims through their user-friendly online platform, over the phone, or via the company’s dedicated mobile app.
This flexibility allows policyholders to choose the method that suits them best, making the claims process more accessible and efficient.
Average Claim Processing Time
The average claim processing time at St. Paul Surplus Lines Insurance Company is a crucial factor for customers seeking prompt resolution of their insurance claims.
While specific processing times may vary depending on the complexity of the claim, the company is committed to efficient and timely processing. Policyholders can expect reasonable turnaround times for most claims, contributing to a positive customer experience.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a vital role in assessing an insurance company’s performance in handling claims. St. Paul Surplus Lines Insurance Company prides itself on its commitment to customer satisfaction.
Policyholders’ experiences with claim resolutions and payouts have generally been positive, with many customers expressing satisfaction with the company’s responsiveness and fair settlements. Gathering feedback from policyholders helps the company continually improve its claims handling processes.
Digital and Technological Features of St. Paul Surplus Lines Insurance Company
Mobile App Features and Functionality
St. Paul Surplus Lines Insurance Company offers a feature-rich mobile app that enhances the overall customer experience. The app provides policyholders with the convenience of managing their insurance policies on the go.
Some key features of the mobile app include easy access to policy documents, the ability to view and make changes to coverage, and the option to file claims directly from the app. The intuitive interface and robust functionality make it a valuable tool for policyholders.
Online Account Management Capabilities
For policyholders who prefer managing their insurance policies through a web browser, St. Paul Surplus Lines Insurance Company offers comprehensive online account management capabilities.
Through their secure online portal, customers can access policy information, make premium payments, review coverage details, and even initiate policy changes. This online platform simplifies policy management and puts control in the hands of the policyholders.
Digital Tools and Resources
St. Paul Surplus Lines Insurance Company recognizes the importance of providing digital tools and resources to help policyholders make informed decisions.
They offer a range of digital resources, including educational articles, insurance calculators, and coverage comparison tools, all accessible through their website and mobile app. These resources empower customers to understand their insurance options better and make choices that align with their needs and preferences.
As St. Paul Surplus Lines Insurance Company continues to evolve in the digital age, their commitment to enhancing the claims process and offering advanced technological features underscores their dedication to providing quality insurance services to their valued customers.
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Frequently Asked Questions
What types of insurance does St. Paul Surplus Lines Insurance Company offer?
St. Paul Surplus Lines Insurance Company provides a diverse range of coverage options, including property, liability, professional liability, commercial auto, and worker’s compensation insurance.
How does St. Paul Surplus Lines Insurance Company prioritize customer satisfaction?
The company emphasizes customer satisfaction by offering an array of discounts, such as multi-policy, safe driver, and good student discounts, ensuring comprehensive protection remains affordable.
What channels are available for filing insurance claims with St. Paul Surplus Lines Insurance Company?
Policyholders can file claims through the company’s user-friendly online platform, over the phone, or via the dedicated mobile app, providing flexibility and convenience.
What digital features and tools does St. Paul Surplus Lines Insurance Company offer?
St. Paul Surplus Lines Insurance Company provides a feature-rich mobile app for managing policies on the go, an online portal for account management, and various digital resources such as educational articles and insurance calculators.
How does St. Paul Surplus Lines Insurance Company handle customer feedback on claim resolutions?
The company values customer feedback and aims for positive claim resolutions and payouts, with policyholders expressing satisfaction with responsiveness and fair settlements.
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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.
