Atain Insurance Company: A Comprehensive Review

Atain Insurance Company is a property and casualty insurance company that specializes in serving niche markets and hard-to-place risks.

Whether you need insurance for your auto, home, life, or business, Atain has a product that suits your needs and budget.

In this article, we will cover everything you need to know about Atain Insurance Company, from its basic information to its online and tech features.

Atain Insurance CompanyCourtesy:LinkedIn
Atain Insurance Company
Courtesy:LinkedIn

Basic Information

Fact Information
Company Name Atain Insurance Company
Headquarters Farmington Hills, Michigan
Phone Number (248) 538-4530
Fax Number (248) 538-4531
Email Address info@atainins.com
Website www.atainins.com
Customer Service Contact (800) 833-8877
Operating Hours Monday to Friday, 9:00 a.m. to 5:00 p.m. Eastern Time

Services & Products

Atain provides customized coverage for the most specialized niches and unique risks.

Some of the industries that Atain serves are:

  • Beauty salons and spas
  • Child care centers
  • Contractors
  • Convenience stores
  • Educational institutions
  • Environmental consultants
  • Home health care providers
  • Hotels and motels
  • Non-profit organizations
  • Pest control operators
  • Restaurants and bars
  • Security guards
  • Sports and fitness facilities
  • Technology firms
  • Transportation companies

Atain also offers special packages or bundled services for certain types of businesses, such as:

  • Artisan contractors package
  • Business owners policy (BOP)
  • Commercial package policy (CPP)
  • Garage liability package
  • Liquor liability package

Atain does not offer international coverage, but it does offer temporary or short-term policies for some lines of business. For example, you can get event liability insurance for a single event or a series of events.

Financial Details

Atain’s premium costs vary depending on the type of policy, the amount of coverage, the deductible, the risk factors, and other factors.

You can get a quote online or by calling an agent.

Atain accepts various payment options, such as:

  • Credit card (Visa, Mastercard, Discover)
  • Electronic funds transfer (EFT)
  • Check or money order
  • Online payment portal

Atain also offers discounts and promotional offers for some policies and customers.

For example, you can get a discount if you bundle multiple policies, pay your premium in full, have a good claims history, or have safety features installed.

Atain’s claim payout ratio is the percentage of premium income that it pays out in claims.

According to its annual report, Atain’s claim payout ratio was 63.4% in 2022, which means that it paid out $63.4 in claims for every $100 in premium income.

Claims

Atain’s claim process is simple and convenient.

You can file a claim online, by phone, by fax, by email, or by mail.

You will need to provide some information about yourself, your policy, and the incident that caused the loss or damage.

Atain will assign a claim representative to handle your claim and contact you within one business day.

The claim representative will review your policy, investigate the incident, evaluate the damages, and determine the amount of compensation that you are entitled to.

You can check the status of your claim online, by phone, or by email.

You will need to provide your claim number and your policy number.

The required documents for claims depend on the type of policy and the nature of the loss or damage.

Some of the common documents that you may need to submit are:

  • Police report
  • Photos or videos of the scene and the damages
  • Receipts or invoices of the repairs or replacements
  • Medical records or bills
  • Witness statements

The average claim approval time varies depending on the complexity of the claim and the availability of the evidence.

Atain strives to resolve claims as quickly and fairly as possible.

Atain’s claim customer reviews are mostly positive.

Customers appreciate Atain’s promptness, professionalism, courtesy, and fairness in handling their claims.

You can read some of their testimonials on Atain’s website.

Coverage Details

Atain’s policy exclusions are the situations or events that are not covered by your policy.

For example, some common exclusions are:

  • Intentional acts or fraud
  • War or terrorism
  • Nuclear hazards
  • Wear and tear or deterioration
  • Mold or fungus
  • Earthquakes or floods

You can find the full list of exclusions in your policy document or by contacting an agent.

Atain’s coverage limits are the maximum amount of money that Atain will pay for a claim.

For example, if your policy has a limit of $100,000 for property damage, Atain will not pay more than $100,000 for any property damage claim that you file.

You can choose the coverage limits that suit your needs and budget.

You can also increase your coverage limits by paying an additional premium.

Atain’s deductibles are the amount of money that you have to pay out of your own pocket before Atain pays for a claim.

For example, if your policy has a deductible of $500 for property damage, you have to pay $500 for any property damage claim that you file, and Atain will pay the rest up to your coverage limit.

You can choose the deductibles that suit your needs and budget.

You can also lower your deductibles by paying an additional premium.

Atain’s add-ons or riders are the optional features or benefits that you can add to your policy for an extra cost. For example, some of the add-ons or riders that Atain offers are:

  • Identity theft protection
  • Cyber liability coverage
  • Equipment breakdown coverage
  • Business interruption coverage
  • Umbrella liability coverage

You can find more details about each add-on or rider on Atain’s website or by contacting an agent.

Company Details

Atain’s history and founding year date back to 1843, when it was established as Frankford Mutual Insurance Company in Philadelphia, PA.

Atain has since evolved into a modern and innovative insurance company that serves niche markets and hard-to-place risks.

Atain’s CEO and leadership team are:

  • Chris Zoidis, President & CEO
  • Jodie Kaufman Davis, Chief Strategy Officer
  • Michael Martin, Senior Vice President, Chief Financial Officer
  • Linc Trimble, Chief Underwriting Officer

You can find more information about each leader on Atain’s website.

Atain’s annual report is a document that summarizes its financial performance, business activities, achievements, and goals for the past year.

Atain’s financial stability ratings are the ratings that independent agencies assign to Atain based on its financial strength, solvency, and ability to meet its obligations.

Atain has an “A” (Excellent) rating from A.M. Best, which is one of the most reputable rating agencies in the insurance industry.

Atain’s market share and company size are the indicators of its competitiveness and growth in the insurance market.

According to its annual report, Atain had a market share of 0.03% and a company size of 113 employees in 2022.

Customer Experiences

Atain’s customer reviews and ratings are the feedback that customers give about their experiences with Atain.

You can find customer reviews and ratings on various platforms, such as:

  • Google Reviews
  • Yelp
  • Better Business Bureau (BBB)
  • Trustpilot

Atain’s testimonials are the positive comments that customers make about their satisfaction with Atain.

Atain’s complaints and resolutions are the negative comments that customers make about their dissatisfaction with Atain and how Atain responds to them.

You can find complaints and resolutions on various platforms, such as:

Atain’s frequently asked questions (FAQs) are the common questions that customers ask about Atain and its products and services. You can find FAQs on Atain’s website.

Online & Tech Features

Atain’s mobile app features and reviews are the functions and feedback that its mobile app offers to customers.

You can download Atain’s mobile app from Google Play Store or Apple App Store. Some of the features that you can access from the app are:

  • View your policy details
  • Pay your premium
  • File a claim
  • Check your claim status
  • Contact an agent

The app has mostly positive reviews from users who appreciate its convenience, ease of use, and functionality.

Atain’s online account management is the service that allows you to manage your policy online from your computer or mobile device.

You can register for an online account on Atain’s website.

Some of the benefits that you can enjoy from online account management are:

  • Access your policy documents
  • Update your personal information
  • Change your payment method
  • Request a quote
  • Renew or cancel your policy

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