Frequently Asked Questions About
Commercial General Liability Insurance
How much does small business 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. (read more)
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. (read more)
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.
GuideOne Insurance Reviews
GuideOne Insurance Reviews 2019 (Ratings, Complaints & Coverage). GuideOne offers property and casualty insurance coverage for faith-based organizations, including churches and other faith institutions, as well as the people who attend them. Their products include both personal and commercial insurance, which are designed specifically for people of all faiths.
Established in 1947 in Iowa, GuideOne insurance originally operated as Preferred Risk Mutual Insurance Company. Their focus was affordable auto insurance for people who didn't drink alcohol. In 1959, the company expanded into life insurance, which was also targeted for people who did not drink alcohol.
In the 1960s, the company expanded. It was then that they offered the first packaged policy options for churches. They continued to expand, and by the 1970s, they started offering insurance coverage options for additional faith-based institutions, including faith-based schools and seminaries.
While the company grew, they continued to be focused on non-drinkers; in fact, in the 1980s, they contributed large amounts of monetary donations to Mothers Against Drunk Driving. Let's take a closer look at GuideOne Insurance reviews and see if they might be a fit for your church or small business.
Check out GuideOne Insurance reviews, ratings, complaints & coverage for general liability, business property and other church insurance commercial policies.
About GuideOne Insurance
GuideOne continues to focus on sober driving and faith-based institutions, as they are among on of the largest insurance providers of churches in the United States.
Their headquarters are still located in Des Moines, Iowa, where the company was founded, but they offer their products in all 50 states through independent agents. The GuideOne Insurance reviews are above average.
According their website, "GuideOne offers competitively priced Business Owner's Policies (BOP), along with Business Auto and Workers' Compensation, that can be tailored to address your business risks. Our experienced insurance agents understand the unique risks of small businesses and are here to make sure your small business insurance coverage needs are addressed; providing peace of mind, so you can focus on what you do best - running your business."
GuideOne Insurance Products And Services
GuideOne offers insurance products for faith-based organizations across the country, including churches, seminaries, and schools. They also provide coverage for senior living facilities, as well as home care and personal insurance. People of all faiths can apply for insurance coverage through GuideOne. The insurance products that this company offers include:
- Insurance For Faith-based Organizations: As mentioned, GuideOne is a niche insurance provider, as their primary focus is faith-based institutions. These organizations include churches, which they have been insuring for decades, as well as synagogues and other places of worship. FaithGuard is the primary policy offered by GuideOne, which includes property and liability insurance. There are also a variety of options and endorsements available to choose from, all of which are intended to meet the needs of churches, synagogues, and other places of worship. Examples of these options include coverage for stained glass windows, as well as the personal property of priests. Furthermore, GuideOne provides employee benefits for employees that work for faith-based organizations, such as group life insurance and disability insurance.
- Senior Living and Home Care Insurance: Commercial insurance for senior care facilities and home care agencies, such as independent living homes and assisted living facilities are also available through GuideOne, including liability and commercial property insurance.
- School Insurance: They offer packaged insurance policies for faith-based educational institutions, including colleges and schools. These packages include liability and property insurance, as well as specific coverage that these facilities might need.
- Auto Insurance: GuideOne has joined SafeCo Insurance, a company that is owned by Liberty Mutual, a highly reputable insurance company. They are planning to leave the Personal Lines of insurance market indefinitely so that they can concentrate more on the specialty coverage that they offer for churches and faith-based organizations. All of their personal insurance products will eventually be transferred to SafeCo Insurance; hence the reason why they have begun working with the company.
- Homeowner's Insurance: They will also move out of the home insurance sector, because, as mentioned, they are planning on focusing all of their efforts on churches and other faith organizations. Like their auto insurance policies, any homeowner's insurance policies that GuideOne currently holds will also be transferred to Safeco.
- Life Insurance: GuideOne provides a variety of life insurance products, as well as annuity products. These insurance policies are underwritten by Kansas City Life Insurance Company, and include term, whole, and universal life. They also provide immediate and deferred annuities, as well as a few health plans, such as income protection and long-term care.
GuideOne Insurance Rates
Since GuideOne does not offer online quotes, finding information about their rates is difficult. Their policies, as mentioned, are sold through independent agents, which means that there is no way for us to compare the rates that they charge with similar insurance companies. However, we did learn that GuideOne does offer competitive rates to suit the needs of their clients.
Because of the rates vary, pinpointing specific prices is difficult; however, this insurance company does aim to offer the most affordable prices through their carriers while also ensuring that their clients receive the best possible coverage.
GuideOne Insurance Ratings Online
GuideOne Insurance reviews online are above average. GuideOne has a AM Best's Credit Rating of A- (Excellent).
- BBB.org - The Better Business Bureau has no reviews, but they have an A+ rating.
- Clearsurance.com - Clearsurance rates them 4.23 out of 5 stars.
- Trustpilot.com - Trustpilot rates them 4 out of 5 stars.
GuideOne Insurance Contact Information
Address: 1111 Ashworth Rd, West Des Moines, IA 50265-3538
The Bottom Line On GuideOne Insurance
GuideOne and is one of the largest church insurers in the United States. The company is licensed in all 50 states through a network of thousands of independent agents. They sell policies that protect the people who strengthen our communities through their works for churches, educational institutions, senior living communities and nonprofit organizations. GuideOne Insurance reviews are good online.
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