Cerity Insurance Company Review (2024)

Discover a new era in insurance simplicity with Cerity Insurance Company, providing tailored policies, competitive rates, and an efficient claims process for businesses and professionals.

UPDATED: Jun 14, 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: Jun 14, 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: Jun 14, 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.

UPDATED: Jun 14, 2024Fact Checked
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Cerity Insurance Company

Average monthly rate for business insurance:

$79

A.M. Best rating:

A (Excellent)

Complaint level:

Low

Pros

  • Streamlined online experience
  • Diverse range of insurance policies
  • Competitive rates for various coverage options
  • User-friendly claims process
  • Positive customer reviews highlighting excellent service

Cons

  • Limited coverage for specialized industries
  • Availability might be restricted in certain states
  • Online-only model may not suit all customer preferences

Discover the world of insurance simplicity with Cerity Insurance Company. In this comprehensive article, we explore Cerity’s diverse coverage options tailored for businesses.

From Workers’ Compensation that safeguards employees and employers, to General Liability Insurance providing protection against legal claims. Cerity offers a range of solutions including Business Owners’ Policy, Commercial Auto Insurance, and Professional Liability coverage.

Cerity Insurance Company Insurance Coverage Options

Cerity Insurance Company offers a diverse range of coverage options tailored to meet the specific needs of businesses across various industries.

From safeguarding against workplace accidents to protecting against potential legal claims, Cerity’s insurance policies provide comprehensive coverage that ensures peace of mind. Here are the coverage options offered by the company:

  • Workers’ Compensation Insurance: Cerity’s Workers’ Compensation Insurance is designed to protect both employees and employers. It provides coverage for medical expenses, wage replacement, and rehabilitation in the unfortunate event of a work-related injury or illness.
  • General Liability Insurance: With General Liability Insurance from Cerity, businesses are shielded from the financial implications of third-party claims for bodily injuries, property damage, or advertising-related claims.
  • Business Owners’ Policy (BOP): The Business Owners’ Policy offered by Cerity is a comprehensive package that combines property insurance and general liability insurance. This coverage is ideal for small to medium-sized businesses, providing a cost-effective solution that bundles essential protections into a single policy.
  • Commercial Auto Insurance: Businesses that rely on vehicles for operations can benefit from Cerity’s Commercial Auto Insurance. This coverage safeguards commercial vehicles against accidents, theft, and damages, ensuring that businesses can continue to operate smoothly even in the face of unexpected setbacks.
  • Professional Liability Insurance: Also known as Errors and Omissions Insurance, this coverage is tailored for professionals who provide services, such as consultants, architects, and accountants. It protects against claims of negligence, mistakes, or inadequate work, providing financial security.

Cerity Insurance Company’s coverage options are designed to be flexible and customizable, allowing businesses to select the policies that align with their specific needs and risk profiles. By offering a range of coverage options, Cerity ensures that businesses can find the right protection to mitigate potential risks and secure their future.

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Cerity Insurance Company Insurance Rates Breakdown

Driver ProfileCerity InsuranceNational Average
Clean Record$75$119
1+ Ticket$113$147
1+ Accident$146$173
DUI$250$209
Poor Credit$129$205

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

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Cerity Insurance Company Discounts Available

DiscountsCerity
Anti Theft6%
Good Student15%
Low Mileage8%
Paperless5%
Safe Driver18%
Senior Driver7%

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Cerity Insurance Company goes the extra mile to provide businesses with not only comprehensive coverage but also cost-effective solutions. To make insurance more accessible and affordable, Cerity offers a range of discounts and benefits to its policyholders. Here are some of the discounts you can take advantage of:

  • Safety Programs Discount: Cerity rewards businesses that prioritize safety in the workplace. By implementing safety programs and measures, businesses can qualify for discounts on their insurance premiums. This not only promotes a safer work environment but also leads to potential cost savings.
  • Multi-Policy Discount: Bundling multiple insurance policies with Cerity can lead to significant savings. Whether you’re combining Workers’ Compensation with General Liability or other coverage options, the multi-policy discount offers an attractive way to reduce overall insurance costs.
  • Claim-Free Discount: Businesses with a track record of minimal or no claims can benefit from the claim-free discount. This discount acknowledges responsible risk management practices and is a testament to a business’s commitment to maintaining a safe work environment.
  • Loyalty Discount: Cerity values long-term partnerships with its clients. As a gesture of appreciation, the loyalty discount is offered to businesses that renew their policies with Cerity. This discount recognizes the continued trust and relationship between the insurer and the insured.
  • Early Payment Discount: Timely payments are encouraged through the early payment discount. By settling your insurance premiums ahead of schedule, businesses can enjoy reduced costs, encouraging financial discipline and consistency in premium payments.
  • Professional Association Discount: Cerity acknowledges the importance of professional networks and associations. Businesses that are members of specific professional organizations may be eligible for this discount, promoting collaboration within industries and rewarding active involvement.

These discounts are just some of the ways Cerity Insurance Company aims to support businesses in managing their insurance expenses while maintaining top-notch coverage. By tailoring discounts to various aspects of risk management and commitment, Cerity ensures that businesses of all sizes can find suitable ways to optimize their insurance costs.

How Cerity Insurance Company Ranks Among Providers

Cerity Insurance Company operates in a competitive landscape within the insurance industry. Several companies offer similar insurance products and services, catering to the needs of businesses and individuals. Understanding the company’s main competitors provides valuable insights into the market dynamics. Here are some of Cerity’s prominent competitors:

  • The Hartford: The Hartford is a well-established insurance company known for its comprehensive range of insurance products, including Workers’ Compensation, General Liability, and Business Owners’ Policy.
  • Travelers: Travelers is another major player in the insurance industry, offering a wide array of coverage options for businesses. Their offerings include Workers’ Compensation, General Liability, Commercial Auto, and Professional Liability Insurance. Travelers’ extensive experience and range of policies position it as a formidable competitor to Cerity.
  • Nationwide: Nationwide offers various commercial insurance options, including Workers’ Compensation and General Liability coverage. With a focus on providing flexible solutions and industry-specific policies, Nationwide competes with Cerity by catering to businesses’ diverse needs.
  • Hiscox: Hiscox specializes in providing insurance solutions for small businesses and professionals. They offer a range of coverage, including Professional Liability and General Liability Insurance. On simplicity in the insurance process make it a direct competitor to Cerity’s user-friendly offerings.
  • Progressive: Progressive is recognized for its auto insurance, but it also offers commercial auto coverage. Their extensive advertising and digital presence make them a competitor in the commercial auto insurance space, as businesses often turn to Progressive for their fleet coverage needs.
  • Liberty Mutual: Liberty Mutual provides various insurance products for businesses, including Workers’ Compensation and General Liability Insurance. Their extensive network of agents and range of coverage options position them as a competitor in the market.

Cerity Insurance Company’s unique selling points, including its user-friendly online platform and emphasis on simplicity, play a crucial role in setting it apart from these competitors and attracting business solutions.

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Cerity Insurance Company Claims Process

Ease of Filing a Claim

Cerity Insurance Company offers a streamlined claims process for its policyholders. One of the standout features is the ease of filing a claim, which can be done conveniently through their user-friendly online platform, over the phone, or even via their mobile app.

This flexibility ensures that policyholders have multiple options to choose from when initiating a claim, making the process as convenient as possible.

Average Claim Processing Time

For many insurance customers, the speed at which a claim is processed is of utmost importance. Cerity Insurance Company understands this concern and strives to provide a prompt claims resolution process.

While specific processing times may vary depending on the nature of the claim, Cerity is committed to efficient and timely claim handling, ensuring that policyholders can get the support they need when it matters most.

Customer Feedback on Claim Resolutions and Payouts

The true measure of an insurance company’s performance is often reflected in customer feedback regarding their claim resolutions and payouts. Cerity Insurance Company has garnered positive reviews from policyholders for their fair and efficient handling of claims.

Customers have expressed satisfaction with the company’s responsiveness and willingness to honor valid claims promptly. This positive feedback speaks to Cerity’s commitment to delivering on their promises and providing a high level of customer service.

Cerity Insurance Company Digital and Technological Features

Mobile App Features and Functionality

Cerity Insurance Company’s mobile app is a valuable tool for policyholders. It offers a range of features and functionalities designed to enhance the user experience. With the mobile app, customers can easily access their policy information, initiate claims, and even manage their accounts on the go.

The app’s intuitive design and user-friendly interface make it a convenient resource for policyholders to stay connected with their insurance coverage.

Online Account Management Capabilities

In addition to their mobile app, Cerity provides robust online account management capabilities through their website. Policyholders can log in to their accounts to view policy details, make payments, update personal information, and track the progress of their claims.

This online platform simplifies the insurance management process, giving customers greater control and transparency over their policies.

Digital Tools and Resources

Cerity Insurance Company understands the importance of providing policyholders with digital tools and resources to make informed decisions. Their website offers a wealth of information, including educational resources, FAQs, and tools to help customers better understand their insurance needs.

These digital resources empower customers to make confident choices regarding their coverage options and risk management strategies.

Frequently Asked Questions

Is Cerity Insurance Company only for businesses?

No, while Cerity primarily caters to businesses, they also offer coverage for independent professionals.

What makes Cerity’s claims process different from other insurers?

Cerity’s claims process stands out due to its user-friendly online claims portal. This portal simplifies the process  making it convenient.

Can I customize my insurance coverage with Cerity?

Absolutely! Cerity understands that every customer’s needs are unique. They offer customizable insurance policies that can be tailored to suit your specific requirements. This ensures that you only pay for the coverage you truly need.

Are there discounts available for Cerity’s insurance policies?

Yes, Cerity provides information on available discounts when you request a quote. They strive to offer cost-effective solutions to their customers .

What are the coverage options at Cerity?

Cerity Insurance Company provides tailored coverage options for businesses, from Workers’ Compensation to Professional Liability Insurance, ensuring comprehensive and customizable protection against diverse risks for peace of mind and financial security.

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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.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption