Amica Small Business Insurance Reviews

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Frequently Asked Questions About
Commercial General Liability Insurance

How much does commercial insurance cost?

Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.

What kind of business insurance do I need?

Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.

What is a Certificate of Insurance?

A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.

Is business insurance tax deductible?

Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.

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Amica Small Business Insurance Reviews

Amica Reviews

Amica Mutual Insurance Company, founded in 1907 as the Automobile Mutual Insurance Company of America (AMICA), is one of the oldest mutual insurers of automobiles in the U.S. After over 100 years of expanding the company and adding new insurance lines - it is known today simply as Amica. Amica now also offers business, homeowners' and life insurance lines. The company has its corporate offices in Rhode Island, as well as additional offices across the country in 40 different states.

Amica does not sell insurance products using direct insurance agents. Rather, customers may call, email or visit a local office to buy a policy. You will be dealing with the insurance company directly with no middleman involved. The company has worked to integrate the latest technology into its claims management and billing systems which allows greater efficiency in servicing its customers.

If you are a business owner looking to buy liability insurance, read Amica small business insurance reviews to learn about Amica's products.

Check out Amica small business insurance reviews & ratings for general liability, workers comp and other commercial policies.

Small Business Coverages Offered By Amica

The Amica small business insurance reviews are hard to find the Internet are fair. Amica's commercial policies offered include:

General Liability - Business owners can purchase Amica's general liability insurance that covers legal charges due to third party claims. This policy covers payments resulting from property damage, bodily injury, libel, slander, medical expenses, lawsuit defense costs, as well as judgements or settlement bonds. Amica ratings are ok for GL

Professional Liability - All professionals - including healthcare providers, real estate and insurance agents, dentists, lawyers, architects, and business consultants-need this insurance. Why? It covers you in case a customer blames you for bad advice in your advice or actions. It includes legal costs if you're sued and costs for damages, too.

Commercial Auto - At Amica, you'll be protected with an affordable commercial auto policy that is customized to suit your needs, complete with unrivaled customer service. Amica also offers additional discounts for "loyalty", a "tenure" discount for the length of time you were with your prior company, and a legacy discount to drivers under 30 who were covered by Amica on a family member's policy. Amica commercial insurance ratings for business auto are ok.

Theft & Burglary - Theft insurance generally covers your business against loss or damage to your stock and contents if someone forces their way onto your premises, or uses deception to get in to your premises. It usually does not cover cash losses, which can be covered separately.

Business Property - Amica's commercial property insurance policy is available for businesses that operate out of standard commercial buildings. This policy covers loss and damages to property because of theft, fire, smoke, wind, hail, vandalism, and any other covered events. Company property usually refers to buildings, equipment, documents, business interruptions, lost income, and money. Amica small business insurance reviews for commercial property are fair.

Commercial Umbrella - As the name implies, an umbrella liability policy provides coverage over and above your other liability coverages. It's designed to protect against unusually high losses, when the policy limits of one of the underlying policies have been used up. For the typical business, the umbrella policy would provide protection over and above general liability and auto liability policies.

Worker's Compensation - Worker's comp provides insurance to company employees who get injured on the job. State laws vary, but they all require business owners to have worker's compensation insurance if they have W2 employees. The penalties for non compliance are usually very stiff.

Amica's Business Insurance Customer Service

From the beginning, Amica Mutual Insurance sought to treat its policyholders with utmost respect by offering them the best possible service. By continuing to instill this founding principle in all employees, they have created a culture of customer care that has earned national recognition for its superior service standards.

This firm stands tall in the insurance industry for customer service, with more than 74% of their clients remaining loyal for 3 years or more. However, the true measure of the company's service continues to be the emails, phone calls and letters from satisfied policyholders. Amica small business insurance reviews for service are good.

Amica's Small Business Insurance Reviews & Ratings

  • BBB Profile: Amica Mutual Insurance Company has maintained 60 years 6 months of continuous BBB Accreditation. It is BBB Accredited Since 01/01/1957. It has received 3.91 out of 5 stars based on 51 Customer Reviews and a BBB Rating of A+.
  • Customer Ratings: J.D. Power and Associates has consistently ranked Amica among the first place insurance companies for customer service. J.D. Power has given the company top ranks for 11 consecutive years.
  • Financial Ratings: Amica Mutual Insurance Company had their A+ (Superior) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) affirmed on February 03, 2017. A+ is the second highest rating for AM Best. The company is reportedly valued at more than 3.58 billion dollars, with over 385 million in current policies.


  • Wins kudos for customer satisfaction.
  • Offers among the best rates in states where the company is a big player.
  • Offers dividends on certain auto and umbrella insurance policies.


  • Limited commercial insurance offerings.
  • Mobile apps are not as robust as some insurance company apps.

Amica Ratings Online

Following are some ratings found online which appear mixed:

  • - The Better Business Bureau rates them 3.98 out of 5 stars.
  • - Consumer Affairs rates them 2.3 out of 5 stars.
  • - Yelp rates them 3.0 out of 5 stars.

Amica's Contact Information

Address: 100 Amica Way, Lincoln, RI 02865


Amica Commercial Insurance Bottom Line

Amica has some of the lower rates around, making them easily competitive with big names in direct-buy coverage, but rank better for customer satisfaction. Their commitment to service, as well as their responsive claims and generous discounts make them a decent options for small business insurance.

Request a free Amica Business Insurance quote in California, Delaware, Kentucky, New Jersey, New York, Pennsylvania and Texas. Also see Small Business Insurer Ratings: Acuity, AIG, Allstate, Amica, AmTrust, Chubb, Cincinnati, CNA, Dongeal, Erie, Esurance, Farmers, Foremost, GEICO, Guard, Hanover, Hiscox, Liberty Mutual, Merchants Insurance Group, Nationwide, Philadelphia Insurance Companies, Progressive, Selective, State Farm, The Hartford, Travelers, USAA, USLI, Westfield, Zurich

Commercial Insurance Broker ratings: Bolt, Burns & Wilcox, Contractors Edge, CoverWallet, Day Care Insurance Services, Inc., Insureon, Next, TechInsurance, USG Insurance Services

Small Business Independent Insurance Association Ratings: Trusted Choice

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Amica Small Business Insurance Reviews
Rated 4.4/5 based on 9 reviews

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