Noblr Reciprocal Exchange(Colorado); Overview, Contacts, Claims, Services, Ratings, and Benefits

Founded in 2017, Noblr Reciprocal Exchange (Noblr) is a reciprocal insurance exchange based in San Francisco, California.

Despite being a newer company, Noblr has swiftly grown to become a leading provider of professional liability insurance for small businesses and professional firms.

Mission and Values

Noblr has a clear mission: to offer affordable and accessible professional liability insurance to small businesses and professional firms. The company holds these values:

  • Community: Noblr is dedicated to forming a community among small businesses and professional firms. It provides various resources and support services to its policyholders.
  • Transparency: Noblr prioritizes transparency with its policyholders, offering clear and concise information about policies and the claims process.
  • Innovation: Noblr is committed to innovation, always working on new products and services to meet the evolving needs of its policyholders.

Contact Information of Noblr Reciprocal Exchange

Contact Information
Company Name: Noblr Reciprocal Exchange
Address: 120 Montgomery Street, Suite 200, San Francisco, CA 94104
Phone: (855) 825-2494
Website: Noblr


Services and Products offered by Noblr Reciprocal Exchange

Noblr provides different professional liability insurance products:

  • Errors and Omissions (E&O) Insurance: This protects businesses from lawsuits claiming negligence or errors and omissions in their professional services.
  • Directors and Officers (D&O) Insurance: This safeguards directors and officers from lawsuits alleging negligence or breach of fiduciary duty.
  • Cyber Liability Insurance: This shields businesses from lawsuits related to data breaches and other cyber risks.

Noblr Reciprocal Exchange

Premium Costs

Noblr Reciprocal Exchange (Noblr) provides professional liability insurance for small businesses and professional firms.

Its premiums are usually lower than those of regular insurance carriers. Noblr operates as a reciprocal exchange, owned and run by its policyholders.

This setup allows Noblr to pass on savings since it doesn’t have the same profit motive as traditional carriers.

Your Noblr premium’s exact cost depends on factors like:

  • The type of business or profession
  • Your business’s revenue
  • Your claims history
  • Desired coverage limits

Payment Options

Noblr offers flexible payment options for businesses to pay premiums easily.

Policyholders can pay in full upfront or choose monthly, quarterly, or annual installments. Noblr also provides various financing options to help businesses manage premium costs.


Noblr extends discounts to its policyholders, such as:

  • Discounts for businesses with good safety records
  • Discounts for those participating in Noblr’s risk management programs
  • Discounts for businesses with multiple policies.

 Getting a Quote

For a Noblr professional liability insurance quote, businesses can visit the website, call (855) 825-2494, or contact an insurance agent.

Process of Filling Claims with Noblr Reciprocal Exchange

Reporting a Claim

Noblr Reciprocal Exchange (Noblr) makes it simple for policyholders to report and manage claims with a streamlined process. Claims can be reported online, by phone, or by mail.

  • Online: Use Noblr’s secure claims portal to submit a detailed claim report, upload documents, and track your claim’s status.
  • Phone: Call Noblr’s 24/7 customer service at (855) 825-2494 to report a claim and get assistance.
  • Mail: Send a completed claim form to Noblr Reciprocal Exchange, 120 Montgomery Street, Suite 200, San Francisco, CA 94104.

Investigating the Claim

Once reported, Noblr assigns a claims adjuster who investigates if the claim is covered and gathers details about the incident. The adjuster reviews claim reports, and supporting documents, and may contact witnesses or experts.

Managing the Claim

If covered, the claims adjuster works with the policyholder to fairly and promptly resolve the claim. This may involve compensation, legal expense coverage, or arranging repairs.

Returning to Work

For claims involving injured workers, the adjuster collaborates with the worker and their employer to plan a swift return to work. This may include vocational rehabilitation or job placement assistance.

Dispute Resolution

In case of disputes, policyholders and Noblr aim for resolution through mediation or arbitration. If unsuccessful, a lawsuit may be filed.

Noblr Reciprocal Exchange

Noblr Reciprocal Exchange Ratings

Noblr Reciprocal Exchange (Noblr) is a newer company but has gained positive ratings from independent organizations:

A.M. Best: A leading credit rating agency, A.M. Best rates Noblr A- (Excellent), indicating strong financial strength and a robust ability to meet policyholder obligations.

NAIC: As a member of the National Association of Insurance Commissioners (NAIC), Noblr adheres to state insurance regulations, ensuring compliance with all applicable laws. On, a site offering insurance company information and reviews, Noblr holds a 4.5 out of 5-star rating based on policyholder reviews.

Benefits of Choosing Noblr as a Client

  1. Affordability: Noblr’s premiums are lower than traditional carriers. Being a reciprocal exchange owned by policyholders enables Noblr to prioritize savings over profit.
  2. Flexibility: Noblr offers diverse policy options and risk management programs to cater to various business needs, aiding in claims prevention.
  3. Ease of Use: Noblr’s online platform simplifies quoting, policy purchase, and account management. Self-service tools assist policyholders in risk management and regulatory compliance.
  4. Transparency: Noblr is transparent with policyholders, offering clear information on policies, claims processes, and risk management practices.
  5. Customer Service: Committed to excellence, Noblr provides experienced customer service representatives for prompt issue resolution.

Benefits of Joining Noblr as an Employee

  1. Competitive Compensation and Benefits: Noblr provides competitive compensation and benefits, including perks like tuition reimbursement, wellness programs, and employee discounts.
  2. Growth and Development Opportunities: As a growing company, Noblr encourages employees to embrace challenges, develop skills, and pursue growth opportunities.
  3. Innovation Culture: Noblr fosters a culture of innovation, encouraging employees to share ideas and collaborate on problem-solving. Investment in research and development leads to new products and services.
  4. Making a Difference: Noblr’s work empowers small businesses and professional firms to manage risk and safeguard reputations, allowing employees to make a positive impact.

Frequently Asked Questions about Noblr

1. What is Noblr’s unique approach to insurance?

  • Answer: Noblr operates as a reciprocal exchange, owned by policyholders, leading to lower premiums and a focus on savings.

2. How can I report a claim to Noblr?

  • Answer: Policyholders can report a claim online through Noblr’s secure portal, by phone at (855) 825-2494, or by mail to 120 Montgomery Street, Suite 200, San Francisco, CA 94104.

3. Are there discounts available for policyholders?

  • Answer: Yes, Noblr offers discounts for good safety records, participation in risk management programs, and having multiple policies with Noblr.

4. What are Noblr’s financial ratings?

  • Answer: Noblr is rated A- (Excellent) by A.M. Best, indicating a strong ability to meet obligations to policyholders.

5. How can businesses get a quote for professional liability insurance with Noblr?

  • Answer: Businesses can obtain a quote by visiting Noblr’s website, calling (855) 825-2494, or reaching out to an insurance agent.


In summary, Noblr emerges as a forward-thinking and client-centric insurance provider, thereby introducing a new perspective to professional liability protection.

Pledging to uphold principles of openness, cost-effectiveness, and superior customer support, Noblr aims to cater to the distinctive requirements of small businesses and professional entities.

Its focus on a reciprocal exchange framework, reduced premiums, and user-friendly online interfaces underscores a resolute commitment to delivering accessible and efficient insurance solutions.

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