Professional Insurance Company Review

Professional Insurance Company, with over two decades of experience, emerges as a reliable choice for insurance seekers, offering a diverse range of insurance products from business to life, health, and home insurance, underpinned by exceptional customer service and adaptable policies.

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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Professional Insurance Company

Average monthly rate for business insurance:

$100

A.M. Best rating:

A++

Complaint level:

Low

Pros

  • Competitive pricing
  • Extensive coverage options
  • Exceptional customer service
  • Highly customizable policies
  • Strong commitment to financial stability
  • Efficient claims processing

Cons

  • Limited availability in certain regions
  • Complex discount eligibility criteria
  • Some policy options may be restrictive
  • Occasional claim processing delays
  • Limited digital tool sophistication

The Professional Insurance Company, a stalwart with a longstanding presence in the insurance industry spanning over two decades. Renowned for its extensive range of insurance coverage options, encompassing auto, home, life, health, and business insurance.

Professional Insurance Company stands out through its commitment to competitive pricing, impeccable customer service, and the provision of highly customizable policies. The company’s dedication to financial stability, expeditious claims processing, and its well-earned reputation for excellence solidify its esteemed position in the marketplace.

This article offers a discerning examination of their comprehensive coverage offerings, discount programs, and customer-centric attributes, making it an invaluable resource for those in pursuit of dependable insurance solutions meticulously tailored to their unique requirements.

Professional Insurance Company Insurance Coverage Options

Choosing the right insurance coverage is crucial for your peace of mind, and at Professional Insurance Company, they understand that one size doesn’t fit all. That’s why they offer an extensive array of coverage options, ensuring that you can tailor your insurance policies to meet your specific needs.

Auto Insurance

  • Liability Coverage: Protects you in case you’re at fault in an accident, covering damages to the other party’s vehicle and medical expenses.
  • Collision Coverage: Covers repair or replacement costs for your vehicle in the event of an accident.
  • Comprehensive Coverage: Protects your vehicle from non-accident-related incidents like theft, vandalism, or natural disasters.
  • Uninsured/Underinsured Motorist Coverage: Ensures you’re covered if you’re in an accident with a driver who lacks insurance or has insufficient coverage.
  • Personal Injury Protection (PIP): Covers medical expenses and lost wages for you and your passengers in case of an accident.
  • Rental Car Reimbursement: Provides reimbursement for the cost of renting a vehicle while yours is being repaired.

Home Insurance

  • Dwelling Coverage: Protects your home’s structure, including the roof, walls, and foundation.
  • Personal Property Coverage: Safeguards your belongings, such as furniture, electronics, and clothing.
  • Liability Coverage: Covers legal and medical expenses if someone is injured on your property.
  • Additional Living Expenses Coverage: Helps cover costs if you need to temporarily live elsewhere while your home is being repaired.
  • Flood Insurance: Additional coverage for flood-related damage, typically not covered by standard policies.
  • Earthquake Insurance: Protects against earthquake-related damage, a vital consideration in certain regions.

Life Insurance

  • Term Life Insurance: Provides coverage for a specified term, often with lower premiums.
  • Whole Life Insurance: Offers lifelong coverage with a savings component, allowing cash value accumulation.
  • Universal Life Insurance: Flexible coverage with adjustable premiums and potential cash value growth.
  • Variable Life Insurance: Combines life insurance with investment options, offering the potential for higher returns.
  • Final Expense Insurance: Helps cover end-of-life expenses, such as funeral costs.
  • Mortgage Protection Insurance: Ensures your mortgage is paid off if you pass away, providing security for your family.

Health Insurance

  • Individual Health Plans: Personalized healthcare coverage for individuals.
  • Family Health Plans: Coverage that extends to your family members.
  • Group Health Plans: Insurance for businesses to offer to their employees.
  • Dental and Vision Coverage: Additional coverage for oral and eye care.
  • Prescription Drug Coverage: Helps manage the cost of medications.
  • Health Savings Accounts (HSAs): Tax-advantaged savings accounts to cover medical expenses.

Business Insurance

  • General Liability Insurance: Protection against third-party claims for bodily injury and property damage.
  • Commercial Property Insurance: Coverage for your business property, including buildings and equipment.
  • Business Interruption Insurance: Helps cover lost income during unexpected closures.
  • Workers’ Compensation Insurance: Provides medical and wage benefits to injured employees.
  • Commercial Auto Insurance: Covers business vehicles and drivers.
  • Professional Liability Insurance: Protects against errors, omissions, or negligence claims in professional services.

With this extensive range of coverage options, Professional Insurance Company empowers you to make informed choices and ensure you have the protection you need, precisely when you need it. They understand that life is unpredictable, but your insurance coverage shouldn’t be.

Whether you’re safeguarding your assets, your health, or your business, their customizable policies give you the peace of mind you deserve.

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Professional Insurance Company Insurance Rates Breakdown

Driver ProfileProfessionalNational Average
Clean Record$175$119
1+ Ticket$160$147
1+ Accident$180$173
DUI$210$209
Poor Credit$301$205

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

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Professional Insurance Company Discounts Available

DiscountProfessional
Anti Theft8%
Good Student12%
Low Mileage15%
Paperless14%
Safe Driver20%
Senior Driver13%

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Professional Insurance Company not only provides comprehensive coverage but also offers a variety of discounts to help you save on your insurance premiums. These discounts can make your insurance more affordable without compromising the quality of protection. Let’s explore some of the ways you can save with Professional Insurance Company.

  • Multi-Policy Discount: Save when you bundle multiple insurance policies with Professional Insurance Company, such as auto and home insurance.
  • Safe Driver Discount: Enjoy reduced rates if you have a clean driving record, demonstrating your safe driving habits.
  • Good Student Discount: Students with excellent academic records may qualify for lower premiums on auto insurance.
  • Home Safety Features Discount: If your home is equipped with safety features like a security system or smoke alarms, you may be eligible for home insurance discounts.
  • Multi-Car Discount: Insure multiple vehicles under one policy and receive discounted rates for each additional car.
  • Paid-in-Full Discount: Pay your premium in one lump sum instead of monthly, and you can save on your insurance costs.
  • Low Mileage Discount: If you don’t drive as much, you may qualify for a discount based on your reduced mileage.
  • Claims-Free Discount: Stay claims-free for a specified period, and you can enjoy reduced premiums as a reward for responsible policy management.
  • Loyalty Discount: Long-term customers may receive discounts as a token of appreciation for their continued trust.

Professional Insurance Company not only values your protection but also your financial well-being. These discounts are designed to help you maximize your savings while ensuring you have the coverage you need. When you choose Professional Insurance Company, you’re not just getting quality insurance; you’re also accessing opportunities to keep more money in your pocket.

How Professional Insurance Company Ranks Among Providers

Professional Insurance Company operates in a competitive landscape within the insurance industry, facing several notable competitors. These competitors are well-established insurance providers that offer a range of insurance products and services. Here are some of the company’s main competitors:

  • State Farm Insurance: State Farm is one of the largest insurance providers in the United States. They offer a wide array of insurance products, including auto, home, life, health, and business insurance. State Farm is known for its extensive network of agents and a long history of providing insurance services.
  • Allstate Insurance: Allstate is another major player in the insurance industry, offering various insurance options, including auto, home, life, and more. They are recognized for their robust marketing campaigns and a strong presence in both personal and commercial insurance markets.
  • Geico: Geico, known for its memorable advertising campaigns, specializes in auto insurance. They are known for offering competitive rates and user-friendly online services. Geico’s focus on digital convenience sets them apart in the industry.
  • Progressive Insurance: Progressive is a prominent auto insurance provider with a reputation for innovation. They are known for their usage-based insurance programs, such as Snapshot, which tracks driving habits to potentially lower premiums.
  • Liberty Mutual Insurance: Liberty Mutual offers a wide range of insurance products, including auto, home, and business insurance. They are recognized for their customizable policies and a strong commitment to customer service.
  • Nationwide Insurance: Nationwide provides insurance solutions for individuals and businesses. They have a significant presence in auto, home, and pet insurance markets. Nationwide is known for its financial stability and diverse coverage options.
  • Farmers Insurance Group: Farmers Insurance offers a comprehensive range of insurance products, including auto, home, life, and business insurance. They are recognized for their local agent network and customizable policies.
  • USAA: While primarily serving military personnel and their families, USAA is notable for its highly-rated customer service and a wide range of financial products, including insurance, banking, and investments.

These competitors often differentiate themselves through various factors, including pricing, coverage options, customer service, and branding. As a result, consumers have a multitude of choices when it comes to selecting an insurance provider, and their decision often depends on their individual needs and priorities.

Professional Insurance Company competes by offering competitive rates, customizable coverage, and a commitment to customer satisfaction.

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Check on Professional Insurance Company’sClaims Process

Ease of Filing a Claim

Professional Insurance Company offers multiple convenient methods for filing insurance claims. Customers can submit claims online through the company’s website, making it a hassle-free and efficient process.

Additionally, they provide a user-friendly mobile app that allows policyholders to file claims directly from their smartphones. For those who prefer traditional communication, claims can also be filed over the phone, ensuring flexibility in the claims reporting process.

Average Claim Processing Time

The average claim processing time at Professional Insurance Company is known for its efficiency. While the specific processing time may vary depending on the nature and complexity of the claim, the company is committed to a swift resolution. Policyholders can typically expect prompt responses and settlements, providing peace of mind during challenging times.

Customer Feedback on Claim Resolutions and Payouts

Professional Insurance Company takes pride in its commitment to customer satisfaction. Customer feedback regarding claim resolutions and payouts is generally positive.

Many policyholders have reported smooth and hassle-free claim experiences, highlighting the company’s dedication to meeting their needs promptly and fairly. This positive feedback reflects the company’s reputation for delivering on its promises.

Digital and Technological Features for Professional Insurance Company

Mobile App Features and Functionality

Professional Insurance Company’s mobile app offers a range of features and functionalities to enhance the overall customer experience. Users can easily access their insurance policies, view payment details, and even file claims directly through the app.

The app is designed for user-friendliness and provides a convenient way for policyholders to manage their insurance needs on the go.

Online Account Management Capabilities

Policyholders have access to robust online account management capabilities through the company’s website.

They can review and update policy information, make payments, and track claim status online. The online portal is designed to be user-friendly and provides a secure platform for customers to manage their insurance accounts with ease.

Digital Tools and Resources

Professional Insurance Company offers a variety of digital tools and resources to help policyholders make informed decisions. These resources may include insurance calculators, educational articles, and frequently asked questions.

These tools empower customers to better understand their policies and coverage options, ensuring they have the information they need to make confident choices.

Frequently Asked Questions

What types of auto insurance coverage does Professional Insurance Company offer?

Professional Insurance Company provides a range of auto insurance coverage options, including liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection (PIP), and rental car reimbursement.

Are there any discounts available for auto insurance policies?

Yes, Professional Insurance Company offers various discounts for auto insurance policies, such as safe driver discounts and multi-car discounts. Be sure to inquire about your eligibility.

What does Professional Insurance Company’s home insurance cover?

Their home insurance covers dwelling protection, personal property coverage, liability coverage, additional living expenses, and additional options like flood and earthquake insurance.

Are there discounts available for home insurance when combining it with other policies?

Yes, you can typically receive a multi-policy discount when bundling your home insurance with other insurance policies from Professional Insurance Company.

What types of life insurance policies are offered by Professional Insurance Company?

They offer various life insurance policies, including term life, whole life, universal life, variable life, final expense, and mortgage protection insurance.

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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%

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