Donegal Insurance Group Ratings
Donegal Insurance Group Reviews 2023 (Ratings, Complaints & Coverage). Donegal is a mutual insurance company that has been around since 1925 and is currently the 65th largest insurance company in America. From their beginnings in the little known town of Herman, Donegal has developed to be an organization based in 23 states with premiums of more than $4 billion. Their core business is casualty and property insurance, and they take pride in being ranked third on Fortune's list of the 100 Best Companies to Work For in 2015.
If you are a business owner looking to buy liability insurance, read Donegal Insurance Group reviews to learn about Donegal's products.
Check out Donegal's reviews, ratings, complaints & coverage for general liability, workers compensation and other small business insurance commercial policies.
Following are some of the answers to commonly asked Donegal small business insurance questions:
- Does Donegal Offer Business Insurance?
- What Types Of Commercial Insurance Does Donegal Offer?
- How Much Does Donegal's Small Business Insurance Cost?
- Are Donegal's Commercial Insurance Reviews & Ratings Good?
Does Donegal Offer Business Insurance?
Yes, Donegal offers business insurance with a focus on small business commercial policies.
What Types Of Commercial Insurance Does Donegal Offer?
Donegal offers small business insurance policies including: General Liability, Commercial Property, Workers Compensation, Commercial Auto and others.
How Much Does Donegal's Small Business Insurance Cost?
The average cost of Donegal's commercial insurance policies ranges from $57 to over $179 per month, and is mainly based on your business's: Industry, Location, Gross Sales, Employees and/or Payroll, Policy Limits, Endorsements, Deductibles, Experience & Claims History.
About Donegal Insurance Group
The Donegal Fire Insurance Company was founded in 1889 in Marietta, Pennsylvania. In 1949, the company's name was changed from Donegal Fire to Donegal Mutual Insurance Company, and in the 1950s the company expanded from offering fire insurance to provide auto insurance too.
For more than 100 years, through acquisition and growth of other insurance companies, Donegal Insurance has expanded significantly to provide several lines of business and a wide range of products for small businesses and individuals alike. The company has also purchased several other insurance firms and expanded in various states including Maryland, Virginia and Delaware. A holding company was later formed in 1986 under the name Donegal Group, Inc., and this company went public.
The Donegal Insurance Group reviews on the Internet are fair and few and far between.
Donegal Insurance Group CompaniesAfter expanding their services in other states through acquisitions, Donegal now offers a wide range of insurance products in commercial and personal lines. Their headquarters is in Marietta, Pennsylvania.
Below is a comprehensive list of companies that make up the Donegal Insurance Group:
- Atlantic States Insurance Company
- Donegal Mutual Insurance Company
- Le Mars Insurance Company
- The Peninsula Insurance Company
- Michigan Insurance Company
- Peninsula Indemnity Company
- Southern Insurance Company of Virginia
- Sheboygan Falls Insurance Company
- Southern Mutual Insurance Company
Their insurance policies are normally sold via a network of agents, and these products vary from one state to another.
Donegal's Small Business Insurance Products
Donegal Insurance Group has a wide range of insurance products available. These products range from personal lines basics insurance products and complex commercial needs to farm insurance. These insurance policies might be provided by one of the subsidiaries depending on the states, and not all insurance products are offered in all states. Donegal Insurance Group reviews vary bade on company and location. Here's a breakdown of their commercial insurance products:
Commercial Insurance - Commercial insurance provides coverage for businesses protecting them from losses as a result of unforeseen circumstances including liability, theft and property damage. The most common commercial insurance types are liability, property and workers' compensation.
Property insurance usually covers damages to the business property; liability insurance policy covers damages to the third parties; whereas workers' compensation insurance policy covers all on-the-job injuries to employees. Donegal provides a wide range of commercial insurance products purposely suited for mid-sized and small businesses. Donegal Insurance Group reviews are good for their target markets. It has been said if you have a claim Donegal can be quick to drop you. The options available are:
- Business Owner's Policies commonly known as BOP
- Commercial Auto
- Contractor's Insurance
- Worker's Compensation
- Errors and Omissions Coverage
- Liquor Liability
- Employment Practices Liability
Umbrella Insurance - Donegal also offers both commercial insurance policies. These policies provide the added liability coverage required to protect the policyholders beyond the limits of underlying liability policies.
Farm Insurance - The insurance company also provides farm insurance policies specially designed for farmers with a wide range of options to create personalized policies. The insurance products include policies created particularly for dairy farms and the farm umbrella insurance policies.
Donegal Insurance Group Rates
Donegal Insurance Group doesn't offer any online quoting for the premium comparison purposes. Being a regional insurance company, their premiums are likely to be competitive as compared to similar-sized insurance firms. Donegal Insurance Group reviews are mixed here.
The company offers a wide range of methods of paying the insurance bills, including over the phone, by EFT, online or even through an agent.
Donegal Claims Process
Donegal Insurance Group has a toll-free, 24/7 claims service center that's available for filing of any claims over the phone. The emergency claims usually receive response in less than one hour whereas non-emergency claims shall receive a response on one business day.
There's also an online claims report form which can be used for submitting non-emergency claims. The system shall result in a response in the same time period as the non-emergency submissions through their call center.
Claims processing time usually varies depending on the type of insurance policy and the type of loss incurred. The Donegal's website provides general information on each type of insurance policy on what should be done in case a loss occurs. Policyholders can also contact the service center any time for updates regarding the progress of their insurance claim.
Are Donegal's Commercial Insurance Reviews & Ratings Good?
Following are some Donegal business insurance ratings found online which appear mixed:
- BBB.org - The Better Business Bureau rates them 3.68 out of 5 stars.
- mythreecents.com - my3cents rates them 1.0 out of 5 stars.
- Yelp.com - Yelp.com rates them 2.0 out of 5 stars.
Donegal's Contact Information
Address: 1195 River Road, P.O. Box 302, Marietta, PA 17547
The Bottom Line On Donegal Insurance Group
Donegal Insurance Group has a very history in the insurance field with an excellent record of growth and expansion. This makes the company a safe bet in regard to company stability. However, as a regional insurance, they might not be competitive with the national insurance companies in regard to premiums, more so for those with low-risk policies and clean records.
Nonetheless, Donegal Group can be a good choice for individuals who prefer a smaller and homegrown insurance company. In addition, their range of insurance policies makes them a great choice for any person who needs commercial products or basic personal lines under one banner.
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