GuideOne Specialty Insurance Company, Iowa: Overview, Contacts, Services, Partnerships and Affiliates, Financial Details, Customer Reviews, Claim Process.

GuideOne Specialty Insurance Company: A Trusted Partner for Positive Change

Are you looking for an insurance company that shares your values and supports your mission?

Do you want to work with a company that has a long history of social responsibility and innovation?

If so, you might want to consider GuideOne Specialty Insurance Company, a subsidiary of GuideOne Mutual Insurance Company.

GuideOne Specialty Insurance Company
Photo Courtesy: Business Record

 

GuideOne Specialty Insurance Company is a leading provider of insurance solutions for niche markets, such as religious organizations, nonprofit and human services, education, and programs.

The company is based in West Des Moines, Iowa, and operates as an excess and surplus carrier in all 50 states. The company is rated “A-” (Excellent) by industry analyst A.M. Best, and has a reputation for delivering impactful solutions and services to its customers.

GuideOne Specialty Insurance Company was incorporated in 1958 as a foreign for-profit company in Florida. The company is a subsidiary of GuideOne Mutual Insurance Company, which was founded in 1947 with a commitment to social responsibility.

The parent company is one of the largest church insurers in the United States, and also serves educational institutions, small businesses, senior living care centers, and nonprofit organizations.

 

The CEO and President of GuideOne Specialty Insurance Company is Jessica E. Clark, who also serves as the CEO and President of GuideOne Mutual Insurance Company. GuideOne Specialty has a team of experienced and dedicated professionals who are passionate about making positive change possible.

The company has a market share of 0.01% in the US property and casualty insurance industry, according to the National Association of Insurance Commissioners. The company has a total of $32.6 million in direct premiums written in 2020.

 

Partnership and Affiliates of GuideOne Specialty Insurance

GuideOne Specialty Insurance Company has partnered with several businesses and organizations to offer specialized insurance solutions and services to its customers. Some of the partners and affiliates are:

Church Mutual Insurance Company

A mutual insurance company that specializes in insuring religious organizations and related institutions. GuideOne Specialty Insurance Company and Church Mutual Insurance Company have formed a joint venture called CM Select Insurance Company, which offers online insurance solutions for smaller churches and other faith-based organizations.

Berkley Program Specialists

A program administrator that provides underwriting, claims, and risk management services for specialty insurance programs. GuideOne Specialty Insurance Company and Berkley Program Specialists have collaborated to offer a program for nonprofit and human services organizations, such as social service agencies, community action groups, and counseling centers.

Risk Strategies:

A national insurance brokerage and risk management firm that offers a wide range of products and services for various industries and sectors. GuideOne Specialty Insurance Company and Risk Strategies have teamed up to offer a program for educational institutions, such as private schools, colleges, and universities.

GuideOne Foundation:

A charitable foundation that supports the causes and initiatives of GuideOne’s customers and partners. The foundation awards grants to nonprofit organizations that align with GuideOne’s core values of faith, education, health, and social services.

Services Offered by GuideOne Specialty Insurance

GuideOne Specialty Insurance Company offers a variety of insurance products and services for niche markets, such as religious organizations, nonprofit and human services, education, and programs.

The company provides commercial property and liability, workers’ compensation, commercial auto, and many other liability needs. Some of the services offered by the company are:

Religious Organizations

The company offers insurance solutions for churches and other faith-based organizations, such as synagogues, mosques, temples, and religious schools. The company covers property damage, liability claims, employee injuries, auto accidents, and other risks that religious organizations face. GuideOne also offers special packages, such as the FaithGuard Package, which provides additional coverage for pastoral counseling, directors and officers liability, sexual misconduct, and religious expression.

 

GuideOne Specialty Insurance Company
Photo Courtesy: successfulsavings.business.site
Nonprofit and Human Services

The company offers insurance solutions for nonprofit and human services organizations, such as social service agencies, community action groups, and counseling centers. GuideOne covers property damage, liability claims, employee injuries, auto accidents, and other risks that nonprofit and human services organizations face. The company also offers special packages, such as the NonprofitGuard Package, which provides additional coverage for directors and officers liability, employment practices liability, fiduciary liability, and cyber liability.

Education

The company offers insurance solutions for educational institutions, such as private schools, colleges, and universities. The company covers property damage, liability claims, employee injuries, auto accidents, and other risks that educational institutions face. GuideOne also offers special packages, such as the EduGuard Package, which provides additional coverage for educators’ legal liability, sexual misconduct, cyber liability, and crisis management.

Programs

The company offers insurance solutions for specialty insurance programs, such as amusement parks, campgrounds, golf courses, and sports facilities. GuideOne Specialty covers property damage, liability claims, employee injuries, auto accidents, and other risks that specialty insurance programs face. The company also offers customized solutions for specific needs and exposures.

GuideOne Specialty Insurance Company does not offer international coverage, as it operates only in the United States. However, the company can provide coverage for foreign travel and operations through its parent company, GuideOne Mutual Insurance Company.

The company’s policies are subject to terms, conditions, exclusions, and limitations, which vary depending on the type of coverage, the state of issuance, and the program administrator. The company advises its customers to read their policies carefully and consult with their agents or brokers for any questions or clarifications.

 

GuideOne Specialty Contact Information

The company’s basic contact information is as follows:

Contact Information Details
Phone (877) 448-4331
Address 1111 Ashworth Rd, West Des Moines, IA, 50265-3538
Customer Service commercialcustomerservice@guideone.com
Email info@guideone.com
Operating Hours Monday to Friday, 9:00 AM to 5:00 PM (Central Time)
Fax (515) 267-5431

 

The company also has a website, where customers can find more information about the company, its products and services, its partners and affiliates, its news and events, and its careers and opportunities2. The website also has a portal, where customers can access their accounts, pay their bills, report a claim, and manage their policies.

 

Financial Details

The company’s financial details are as follows:

Premium Costs

The company’s premium costs vary depending on the type of coverage, the amount of coverage, the deductible, the location, the risk profile, and the program administrator. The company does not disclose its premium rates online, but customers can get a quote by contacting their agents or brokers, or by using the online quote tool provided by some of the program administrators.

Payment Options

The company offers several payment options for its customers, such as online payment, electronic funds transfer, credit card, check, money order, and automatic withdrawal. The company also offers flexible payment plans, such as monthly, quarterly, semi-annual, and annual.

Discount and Promotional Offers

The company offers various discount and promotional offers for its customers, such as multi-policy discount, safety and security discount, loyalty discount, and referral discount. The company also offers special offers for certain groups and organizations, such as churches, nonprofits, and educators.

 

Customer Experience

The company’s customer experience is as follows:

Reviews and Ratings

The company has received mostly positive reviews and ratings from its customers, who appreciate the company’s service, professionalism, responsiveness, and expertise. GuideOne has an average rating of 4.5 out of 5 stars on Trustpilot, based on 59 reviews. The company also has an A+ rating from the Better Business Bureau, based on 13 customer reviews and 4 complaints.

Testimonials

The company has featured several testimonials from its customers on its website, who share their stories and experiences with the company. Some of the testimonials are:

 

“GuideOne has been a great partner for us. They understand our mission and vision, and they support us in every way possible. They are always there for us when we need them, and they go above and beyond to help us achieve our goals.” – Pastor John, Faith Community Church

“We are very happy with GuideOne. They have been very responsive and helpful, and they have provided us with excellent coverage and service. Furthermore, they have also been very generous and supportive of our programs and initiatives, and they have made a positive difference in our community.” – Mary, Hope Center

“GuideOne is more than just an insurance company. They are a trusted partner and a valuable resource for us. They have a deep understanding of our industry and our needs, and they have tailored their solutions to meet our specific challenges and opportunities. Additionally, they have also been very proactive and innovative in offering us new and better ways to improve our performance and efficiency.” – David, Green Valley School

 

Complaints

The company has received some complaints from its customers, who have expressed dissatisfaction with the company’s claims handling, billing, and customer service. Some of the complaints are:

 

“I filed a claim with GuideOne after a storm damaged my church’s roof. It took them forever to process my claim, and they denied it without giving me a valid reason. They said that the damage was not covered by my policy, even though I had paid for the storm coverage. GuideOne were very rude and unprofessional, and they refused to listen to my appeal.” – Pastor Mark, Grace Church

“I have been a loyal customer of GuideOne for over 10 years, and I have never missed a payment. However, last month, they increased my premium by 50% without any notice or explanation. They said that it was due to a rate adjustment, but they did not provide me with any details or evidence. GuideOne also charged me a late fee, even though I paid on time. They were very unresponsive and unhelpful, and they did not care about my situation.” – Susan, Helping Hands

“I had a terrible experience with GuideOne. They canceled my policy without any warning or reason, and they did not refund me the unused portion of my premium. They said that they had the right to cancel my policy at any time, and that they did not owe me anything. GuideOne were very arrogant and disrespectful, and they did not value me as a customer.” – John, Bright Future

 

Claim Process

The company’s claim process is as follows:

Filing a Claim

The company allows its customers to file a claim online, by phone, by email, or by fax. The company advises its customers to file a claim as soon as possible after an incident, and to provide as much information and documentation as possible. GuideOne also advises its customers to contact their agents or brokers for any assistance or guidance.

 

Claim Process

The company assigns a claim representative to each claim, who will contact the customer within 24 hours of receiving the claim. To begin with, the claim representative will review the claim, investigate the facts, evaluate the damages, and determine the coverage and liability. The claim representative will also communicate with the customer throughout the process, and answer any questions or concerns. The claim representative will also work with the customer to resolve the claim as quickly and fairly as possible.

 

Claim Status

The company allows its customers to check the status of their claim online, by phone, by email, or by fax. The company also provides updates and notifications to the customers via email, phone, or mail. GuideOne also encourages its customers to contact their claim representative for any inquiries or issues regarding their claim.

 

Documents Needed

The company requires its customers to provide the following documents when filing a claim, depending on the type and nature of the claim:

  • Policy number and contact information
  • Date, time, and location of the incident
  • Description and cause of the incident
  • Photos and videos of the incident and the damages
  • Police report, fire report, or other official report
  • Witness statements and contact information
  • Medical records, bills, and receipts
  • Repair estimates and invoices
  • Any other relevant documents or information
Average Claim Approval Time

The company does not disclose its average claim approval time, but it strives to process and settle each claim as fast and efficiently as possible. GuideOne states that the claim approval time may vary depending on the complexity and severity of the claim, the availability and cooperation of the parties involved, and the applicable laws and regulations.

GuideOne Specialty Insurance Company
Photo Courtesy: appadvice.com

 

Legal and Compliance Information

The company’s legal and compliance information is as follows:

License and Registration

The company is licensed and registered to operate as an excess and surplus carrier in all 50 states. The company’s license and registration numbers are available on its website, or by contacting its customer service.

Privacy Policy

The company has a privacy policy that explains how it collects, uses, shares, and protects the personal information of its customers, prospects, and visitors. Additionally, the company states that it respects the privacy rights of its customers, prospects, and visitors, and that it complies with all applicable privacy laws and regulations. The company also states that it does not sell or rent the personal information of its customers, prospects, and visitors to third parties, and that it only shares the personal information of its customers, prospects, and visitors with its affiliates, partners, service providers, and regulators, as necessary to provide its products and services, or as required by law. The company’s privacy policy is available on its website, or by contacting its customer service.

Terms and Conditions

The company has terms and conditions that govern the use of its website, portal, and online services. The company states that by using its website, portal, and online services, the users agree to abide by its terms and conditions, and that the users are responsible for their own actions and consequences. Furthermore, the company also states that it reserves the right to modify, suspend, or terminate its website, portal, and online services, at any time, for any reason, without notice or liability. The company’s terms and conditions are available on its website, or by contacting its customer service.

Disclaimer

The company has a disclaimer that disclaims any warranties, guarantees, or representations regarding the accuracy, completeness, reliability, or suitability of the information, content, products, or services provided on its website, portal, or online services. Moreover, thr company states that the information, content, products, or services provided on its website, portal, or online services are for general informational purposes only, and that they do not constitute professional advice, endorsement, or recommendation. The company also states that the users should consult with their own agents, brokers, or advisors before making any decisions or taking any actions based on the information, content, products, or services provided on its website, portal, or online services. The company’s disclaimer is available on its website, or by contacting its customer service.

 

How to file a claim with GuideOne Specialty Insurance

You can file a claim with GuideOne Specialty Insurance Company online, by phone, by email, or by fax. Here are the steps to file a claim:

Online

You can file a claim online by using the portal on the company’s website. You will need to log in to your account, or create one if you don’t have one. Then, you will need to fill out a claim form with the required information and documents, and submit it. You will receive a confirmation email and a claim number after submitting your claim.

Phone

You can file a claim by phone by calling the company’s toll-free number at (877) 448-4331. Additionally, you will need to provide your policy number and contact information, and describe the incident and the damages. You will receive a claim number and a claim representative’s name and contact information after filing your claim.

Email

To begin with, you can file a claim by email by sending an email to claims@guideone.com. You will need to include your policy number and contact information, and attach the relevant information and documents, such as photos, videos, reports, and estimates. You will receive a confirmation email and a claim number after filing your claim.

Fax

Furthermore, you can file a claim by fax by sending a fax to (515) 267-5431. You will need to include your policy number and contact information, and attach the relevant information and documents, such as photos, videos, reports, and estimates. You will receive a confirmation fax and a claim number after filing your claim.

Additionally, you can also contact your agent or broker for any assistance or guidance in filing a claim. You should file a claim as soon as possible after an incident, and provide as much information and documentation as possible. Furthermore, you can check the status of your claim online, by phone, by email, or by fax, or by contacting your claim representative. You can also find more information about the claim process on the company’s website.

 

How to get a quote from GuideOne Specialty Insurance Company

You can get a quote from GuideOne Specialty Insurance Company by contacting your agent or broker, or by using the online quote tool provided by some of the program administrators. Here are the steps to get a quote:

Contact your agent or broker: You can contact your agent or broker who represents GuideOne Specialty Insurance Company, and ask them for a quote. You will need to provide some information about your organization, such as its name, address, type, size, and activities. You will also need to provide some information about your insurance needs, such as the type and amount of coverage, the deductible, and the payment plan. Your agent or broker will then give you a quote based on your information and the company’s rates and discounts.

Use the online quote tool: You can use the online quote tool provided by some of the program administrators who partner with GuideOne Specialty Insurance Company, and get a quote online. You will need to visit the website of the program administrator that offers the type of insurance that you are looking for, such as [Berkley Program Specialists] for nonprofit and human services, or [Risk Strategies] for education. Additionally, you will then need to fill out an online form with the required information and documents, and submit it. You will receive a quote within minutes after submitting your form.

You can also find more information about the company’s products and services, and its partners and affiliates, on the company’s website. Moreover, you can also contact the company’s customer service by phone, email, or fax, for any questions or inquiries.

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