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.
Westfield Insurance Reviews
Westfield Insurance Reviews 2019 (Ratings, Complaints & Coverage). Finding the right business insurance is an essential step for any business owner looking to sleep soundly at night, but with all the options available it can be difficult to find the right insurer. There are many options available out there, and business owners can expect to feel overwhelmed when searching for the right coverage.
Westfield is a good, reliable option for business owners because of the extensiveness of the business package, and the option to customize policies based on company needs. Online, Westfield Insurance has been reviewed and rated to be affordable, with knowledgeable service representatives and fair overall service - a few things that any business looking for coverage can benefit from.
If you are a business owner looking to buy liability insurance, read Westfield insurance reviews to learn about Westfield's products.
Check out Westfield Insurance reviews, ratings, complaints & coverage for general liability, workers compensation and other small business insurance commercial policies.
About Westfield Insurance
Originally known as The Farmers Mutual Fire Insurance Company of Medina County, the name was changed three years later in 1851 to Ohio Farmers Mutual Fire Insurance Company. The Company evolved to the Ohio Farmers Insurance Company. The Westfield insurance reviews on the Internet are fair.
Westfield is part of the communities they serve. It starts with the personal, hometown service provided by their Westfield independent agent and extends to sponsorships and charitable efforts that align with our values and those of thei customers. Working closely with our employees and independent agency partners, they strive understand the needs of our communities where we do business.
Westfield's Small Business Insurance Products
The Westfield business insurance package covers everything from the basic property, workers' compensation and business auto insuring to data compromise and equipment breakdown. The business packages offered by Westfield have covered specifically agribusinesses to vineyards and wineries, as well as covering small businesses, retail chains, hotels and much more. Currently, these options are offered in Minnesota, Wisconsin, Ohio and a handful of other states.
Westfield Insurance offers a variety of policy options for businesses of different sizes. These policies are broken up into the following parts: property coverage, data compromise, equipment breakdown, surety bonds, commercial auto, business liability, worker's compensation and employment practices liability. Business owners can then combine the options they need from the policy options offered to create a policy that suits their business needs, and their wallets.
According to Westfield Insurance reviews, these "bundling" options are a great way to keep costs down for the average business owner looking for insurance coverage. There are also packages which are available specifically for contractors, hospitality businesses, and manufacturing agents, which cover a variety of industry-specific policies.
Westfield's Commercial Agency Network
To get a quote from Westfield, business owners need to reach out to an agent by filling out a basic form on the website and the agent will then assist with a quote. Agent driven insurance companies can be more pricy on average than other insurers, but this is where the Westfield Insurance "bundle" policies can really make the difference.
In the age where accessibility is king, various Westfield Insurance reviews have mentioned that it would be preferable to be able to create quotes online rather than having to contact an agent for one, but Westfield Insurance does also offer multiple offices for business owners who would like to discuss their policies in person.
Westfield Insurance reviews & Ratings
The majority of the Westfield Insurance reviews online read as positive, with the relatively low amount of complaints. The Westfield ratings which were negative however, are relatively low in number for an insurer group this size and the nature of the complaints were not out of the ordinary for any average insurer.
Westfield's ratings largely indicated that the majority (70%) of policy holders were happy insuring through Westfield Insurance and would continue to do so. Some reviews indicated that while agents get back to you within 24 hours, it can take a while for claims to come through, and customer service can be a little hit and miss. These incidents seem few and far between, and business owners can rest assured that their claims are the priority.
Westfield Ratings Online
Following are some ratings found online which appear mixed:
- BBB.org - The Better Business Bureau rates them 3.68 out of 5 stars.
- WalletHub.com - WalletHub rates them 3.0 out of 5 stars.
- Yelp.com - Yelp.com rates them 1.0 out of 5 stars.
Westfield's Contact Information
Address: One Park Circle, P.O. Box 5001, Westfield Center, Ohio 4425
Other companies owned: American Select Insurance Company, Ohio Farmers Insurance Company, Westfield Companies, Westfield Group and Westfield National Insurance Company.
The Bottom Line On Westfield Insurance
While Westfield Insurance is perhaps not the most modern insurer currently on the market, they are a reliable, established and stable option for business owners seeking to customize their policies to their business needs, no matter the size of the business or the industry type. Being able to customize policies for the specific business is a great benefit, and can help business owners find cost-effective coverage.
More Commercial Insurance Company RatingsSmall Business Insurer Ratings:
- ACE Group
- Applied Underwriters
- Colony Specialty
- Fireman's Fund
- Hartford Steam Boiler
- Jewelers Mutual
- Liberty Mutual
- Markel Insurance
- Merchants Insurance Group
- Ohio Casualty
- Penn-America Group
- Philadelphia Insurance Companies
- State Farm
- The Hartford
- The Main Street America Group
- Utica First
- BB&T Insurance Services
- Brown & Brown
- Burns & Wilcox
- Contractors Edge
- Day Care Insurance Services, Inc.
- Jimcor Agencies
- Risk Placement Services
- USG Insurance Services
- Valley Forge Insurance Brokerage
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Quotes from leading small business insurance carriers including: ACE, AmTrust, Chubb, Cincinnati, CNA, Colony, Employers, Evanston, Fireman's, Foremost, Guard, Hanover, Hiscox, Liberty Mutual, LLoyd's of London, Markel, MSA, Nationwide, Penn America, Philadelphia, Prime, Progressive, Scottsdale, The Hartford, Travelers, USLI, Utica First, Western World, Zurich & others.