Endurance Risk Solutions Assurance Co., Delaware: Overview, Contacts, Services, Finances, Coverage, Claims, Compliance, Renewal & Cancellations, Reviews

Cultivating Confidence: The Endurance Risk Solutions Assurance Co. Difference.

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Catering to Your Insurance Needs: Endurance Risk Solutions Assurance Co. (ERSAC)

If you want a reliable insurance company that tailors insurance solutions for your personal and business needs, consider Endurance Risk Solutions Assurance Co. (ERSAC).

ERSAC, based in Delaware, specializes in property and casualty insurance for small and medium-sized businesses across various industries.

In this blog post, we’ll give you a rundown of ERSAC’s:

History, products, services, financials, coverage, claims, legal aspects, renewals, cancellations, company culture, and customer feedback.

By the end of this post, you’ll understand what ERSAC can offer and why they make a great insurance partner.

Company Overview

History and Founding Year:

ERSAC began in 1987 as a foreign stock company in Delaware and is a subsidiary of Sompo Holdings, a Japanese insurance group operating in over 30 countries.

John Charman serves as ERSAC’s CEO and also leads Sompo International Holdings Ltd., a global specialty insurance and reinsurance provider within Sompo Group.

CEO and Leadership Team:

ERSAC’s leadership team comprises experienced professionals with in-depth industry knowledge.

Market Share and Comapany Size:

According to the National Association of Insurance Commissioners (NAIC), ERSAC holds a 0.01% market share in the U.S. property and casualty insurance market.

ERSAC’s total assets amounted to $1.2 billion, with total liabilities at $0.9 billion.

Their net income for 2021 was $23.4 million. ERSAC boasts an A+ (Superior) financial strength rating from A.M. Best, reflecting its strong ability to meet insurance obligations.

Company Contacts

Here’s some essential information about ERSAC:

Phone Number (914) 468-8000
Address 4 Manhattanville Road, Purchase, NY 10577
Customer Service Contact customerservice@endurance.bm
Policy Details Varies depending on the type of insurance
Email Address info@endurance.bm
Fax Number (914) 468-8010
Operating Hours Monday to Friday, 9:00 AM to 5:00 PM (Eastern Time)

Services & Products

ERSAC offers a wide array of insurance products and services to meet diverse client needs, including:

  • Auto Insurance: ERSAC covers personal and commercial vehicles, such as cars, trucks, vans, motorcycles, buses, and trailers.
  • Home Insurance: ERSAC provides home insurance for homeowners, renters, condo owners, and landlords.
  • Life Insurance: ERSAC offers life insurance for individuals and groups, including term life, whole life, universal life, variable life, survivorship life, annuities, and other options.

ERSAC also offers special packages for clients who want to save money and enjoy additional benefits, like the Business Owner’s Policy (BOP) and Commercial Package Policy (CPP) for various businesses.

They provide international coverage for clients operating or traveling outside the U.S., including foreign liability, foreign auto, foreign property, foreign workers’ compensation, kidnap and ransom, political risk, and more.

ERSAC offers temporary or short-term policies for clients needing coverage for specific events, like Event Insurance for weddings, parties, and Travel Insurance for domestic and international travel.

Financial Details

ERSAC aims to offer flexible premium costs and payment options, which depend on factors such as the type of insurance, coverage amount, risk profile, location, age, and more.

Payment options include monthly, quarterly, semi-annually, annually, electronic funds transfer (EFT), credit card, check, and money order.

They also provide discounts and promotions for eligible clients, including multi-policy, loyalty, safe driver, home security, and a referral program.

ERSAC’s claim payout ratio for 2021 was 67.8%, indicating efficient and fair handling of claims.

Coverage Details

Coverage specifics vary based on the chosen insurance product, but common aspects include policy exclusions, coverage limits, and add-ons or riders.

  • Policy exclusions are situations or events not covered by ERSAC’s policies, such as intentional acts, fraud, war, nuclear hazards, wear and tear, illegal activities, and more.
  • Coverage limits denote the maximum amounts ERSAC pays for a claim, typically per occurrence, per person, per policy period, or aggregate.
  • Add-ons or riders are optional features that clients can add to their policies for extra coverage, such as inflation protection, guaranteed replacement cost, accidental death benefit, waiver of premium, and others.


ERSAC aims for a fast and straightforward claim process, involving these steps:

  1. Report the claim: Clients can report claims online, by phone, email, or fax, providing essential details like policy number, incident time, damage description, and related documents.
  2. Receive confirmation: After reporting, clients receive a confirmation with their claim number and assigned adjuster.
  3. Contact the client: The adjuster contacts the client within 24 hours to confirm details, explain next steps, and gather necessary documents.
  4. Evaluate the claim: The adjuster reviews documents, assesses coverage, negotiates with third parties, and calculates compensation.
  5. Settle the claim: The adjuster communicates the final decision and settlement offer. Clients can accept or appeal it, as necessary.

ERSAC aims to resolve and pay claims within an average of 15 days.

Legal & Compliance

ERSAC adheres to laws and regulations and safeguards clients’ privacy and security, with policies for privacy and terms and conditions available on their website or upon request.

Renewals & Cancellations

Clients can renew policies with a 30-day notice before expiration.

Cancellation is possible at any time, with potential refund of unused premiums, minus applicable fees.

ERSAC also provides a 10-day grace period for late premium payments.

Company Culture

ERSAC wants to be a place where people are happy and helpful. They welcome different kinds of people and ideas.

Additionally, they work together, do their best, and are honest and respectful. They want to make their customers happy too.

Furthermore, they have a clear plan for what they want to do and how they want to do it. They always keep these things in mind when they work.

Customer Experiences

ERSAC values customer feedback, conducting regular surveys to measure satisfaction and loyalty, as shared in these examples:

  1. “I’ve been an ERSAC customer for over a decade. Their professionalism, responsiveness, and quality of service have always impressed me.

They handle claims promptly and fairly, offering competitive rates. I highly recommend ERSAC as a reliable insurance company.”


Q: How can I contact ERSAC for customer service?

A: You can reach ERSAC’s customer service at (914) 468-8000 or by email at customerservice@endurance.bm during their operating hours: Monday to Friday, 9:00 AM to 5:00 PM (Eastern Time).


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