Capitol Indemnity Corporation: Customer Ratings & Reviews [2023]

What You Should Know About Capitol Insurance

Company Contact Information:

• Capitol Indemnity Corporation
• Website: www.capitolindemnity.com

Related Parent or Child Companies:

• Capitol Insurance Group (Parent Company)

Financial Ratings:

• A.M. Best Rating: A (Excellent)

Customer Service Ratings:

• Capitol Indemnity Corporation has a positive reputation for responsive and helpful customer service.

Claims Information:

• Capitol Indemnity Corporation has a straightforward claims process with a dedicated claims department that can be reached at the phone number on its website.

Company Apps:

• Capitol Indemnity Corporation offers a user-friendly mobile app for policyholders to manage their accounts, make payments, file claims, and access important policy information. The app is available for download on both iOS and Android platforms.

Capitol Insurance Coverage Options

Diverse range of coverage options is tailored to meet the specific needs of today’s dynamic business environment. Here’s a glimpse of the coverage options we offer:

• Commercial Property Insurance: Provides coverage for buildings, business personal property, and inventory against damage or loss due to covered events, such as fire, theft, vandalism, and more.
• Commercial General Liability Insurance: Protects businesses against claims of bodily injury, property damage, or personal injury caused by their operations, products, or services.
• Commercial Auto Insurance: Offers coverage for vehicles used for business purposes, including liability, collision, and comprehensive coverage for damages or loss due to accidents, theft, or other covered events.
• Professional Liability Insurance: Also known as Errors and Omissions (E&O) insurance, this coverage is designed to protect professionals, such as lawyers, accountants, and consultants, against claims of negligence or errors in their professional services.
• Umbrella Liability Insurance: Provides additional liability coverage above and beyond the limits of other primary liability policies, offering an extra layer of protection for businesses against catastrophic claims.
• Workers’ Compensation Insurance: Helps businesses comply with state regulations by providing coverage for medical expenses and lost wages for employees who suffer work-related injuries or illnesses.
• Cyber Liability Insurance: Offers protection against data breaches, cyber-attacks, and other cyber-related risks, including notification and credit monitoring services, legal defense, and financial compensation for damages.
• Employment Practices Liability Insurance (EPLI): Protects businesses against claims of wrongful termination, discrimination, harassment, or other employment-related issues.
• Directors and Officers Liability Insurance (D&O): Provides coverage for the personal assets of directors and officers of a company in case of lawsuits related to their management decisions or actions.

Coverage options may vary depending on the state, policy type, and other factors. It’s best to consult with Capitol Indemnity Corporation directly to determine the coverage options that best suit your business needs.

Capitol Insurance Rates Breakdown

Capitol Insurance Discounts Available

Explore our range of discounts designed to enhance your savings while ensuring you have the protection you need:

• Multi-policy discount: Customers who bundle multiple insurance policies, such as home and auto, with Capitol Indemnity Corporation may be eligible for a multi-policy discount, helping to save on their overall premiums.
• Safe driver discount: Policyholders with a clean driving record, free of any accidents or violations, may qualify for a safe driver discount, rewarding their responsible driving habits.
• Business owner discount: Capitol Indemnity Corporation offers special discounts for business owners who need commercial insurance coverage, helping to make it more affordable for small and medium-sized enterprises (SMEs) to protect their assets.
• Safety and security features discount: Customers who have safety and security features installed in their properties, such as fire alarms, security systems, or surveillance cameras, may be eligible for discounts on their property insurance premiums.
• Renewal discount: Capitol Indemnity Corporation may offer renewal discounts to policyholders who renew their policies with them, rewarding customer loyalty.

The availability and amount of discounts may vary depending on the state, policy type, and other factors. It’s best to check with Capitol Indemnity Corporation directly to see which discounts may apply to your specific insurance needs.

How Capitol Insurance Ranks Among Providers

Capitol Indemnity Corporation operates in a competitive insurance market, with several notable competitors in the industry. Some of the main competitors of Capitol Indemnity Corporation include:

• AIG (American International Group): A global insurance company that offers a wide range of insurance products and services, including property and casualty insurance, general liability insurance, workers’ compensation insurance, and more.
• Travelers: A leading insurance company that offers various commercial insurance lines, including property insurance, liability insurance, auto insurance, workers’ compensation insurance, and specialized coverages for specific industries.
• Chubb: A global insurance company that provides comprehensive commercial insurance solutions, including property and casualty insurance, liability insurance, professional liability insurance, cyber liability insurance, and more.
• Liberty Mutual: A diversified insurance company that offers a wide range of commercial insurance products, including property insurance, general liability insurance, workers’ compensation insurance, professional liability insurance, and other coverages for businesses of all sizes.
• The Hartford: A well-known insurance company that specializes in providing insurance solutions for small and mid-sized businesses, including property and casualty insurance, general liability insurance, workers’ compensation insurance, and more.

It’s worth noting that the competitive landscape of the insurance industry can vary depending on the specific market, region, and target customers. It’s always recommended to research and compare different insurance companies to find the one that best meets your business needs.