NorGuard Insurance Company, Pennsylvania: Overview, Phone Number, Email Address, Finances, Coverage, Claims & Reviews

NorGuard Insurance Company: Your Trusted Insurance Partner in Pennsylvania.

An image illustration of NorGuard Insurance Company
NorGuard Insurance Company: Your Trusted Shield in the World of Insurance

If you’re seeking a reliable and respected insurance company in Pennsylvania, consider NorGuard Insurance Company.

It’s a leading provider of insurance products and services in the state.

In this blog, we’ll introduce you to NorGuard Insurance Company, including its:

History, services, financial standing, coverage options, claims process, and customer experiences.

We’ll also provide useful links and contact information if you’re interested in their offerings.

Company Background

History and Founding Year:

Founded in 1983 by Y Judd Shoval, who still serves as the company’s chairman and CEO, NorGuard Insurance Company is headquartered in Wilkes Barre, PA.

It operates as a subsidiary of Berkshire Hathaway Inc., a globally renowned corporation.

NorGuard specializes in offering workers’ compensation insurance to small and medium-sized businesses in various industries such as:

  • Construction.
  • Manufacturing.
  • Transportation.
  • Hospitality.

Market Share and Company Size:

With about 4% of the market share in Pennsylvania, it’s one of the top 10 workers’ compensation insurers in the state.

The company has expanded its operations to other states, including New York, New Jersey, Delaware, Maryland, and Virginia, and employs approximately 100 people with an annual revenue of about $150 million.

Basic Information

Here’s some essential information about NorGuard Insurance Company:

Phone Number (570) 825-9900
Address 39 Public Square, Wilkes Barre, PA 18701
Customer Service (800) 673-2465 or customerservice@norguard.com
Policy Details Access your policy details online through [NorGuard Online] or by calling the customer service number.
Email Address info@norguard.com
Fax Number (570) 825-9937
Operating Hours Monday to Friday, 8:00 AM to 5:00 PM Eastern Time

 

Services & Products

NorGuard Insurance Company offers various insurance products and services to meet your needs.

Some of the primary insurance types it provides are:

  • Workers’ Compensation Insurance: This is NorGuard’s core product, covering medical expenses and lost wages for employees injured or ill due to work-related activities.

The company offers competitive rates and flexible payment plans, along with risk management services and safety training programs.

They also provide discounts for safe drivers, multiple vehicles, anti-theft devices, and low mileage.

  • Home Insurance: Whether you own or rent a home or apartment, NorGuard offers coverage for the dwelling, personal property, liability, loss of use, and additional living expenses.

Discounts are available for multiple policies, security systems, smoke detectors, fire extinguishers, and new homes.

  • Life Insurance: NorGuard offers term life, whole life, universal life, and variable life insurance options, as well as riders for accidental death benefits, disability income benefits, waiver of premium benefits, and guaranteed insurability benefits.

Financial Details

NorGuard Insurance Company is financially secure with a strong industry reputation. Key financial details include:

  • Premium Costs: Premiums vary based on insurance type, coverage amount, deductible, risk factors, and eligible discounts.
  • Payment Options: Payment frequencies include monthly, quarterly, semi-annual, and annual, with options for check, money order, credit card, debit card, electronic funds transfer (EFT), or online payment.
  • Discounts and Promotions: NorGuard offers multi-policy, loyalty, early bird, referral, and seasonal discounts, as well as promotional offers like free gifts, coupons, vouchers, and sweepstakes for policyholders.

The money that the company gives back to its customers when they have a problem is 80 cents for every dollar that the company gets from its customers. This shows that the company is nice and fair when it pays its customers.

Coverage Details

NorGuard Insurance Company tailors comprehensive coverage to your needs, with specifics depending on the type of insurance, coverage amount, deductible, exclusions, limits, and add-ons.

Examples include:

  • Workers’ Compensation Insurance: Covers medical, disability, death, and rehabilitation benefits for work-related injuries or illnesses.
  • Auto Insurance: Provides liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, and rental reimbursement coverage.
  • Home Insurance: Covers the cost of fixing or replacing your home, your things.
  • Life Insurance: Gives you different choices of life insurance that pay money to your family or others when you die.

Exclusions, or situations not covered by policies, vary:

  • Auto Insurance excludes damages from war, nuclear hazards, racing, wear and tear, mechanical breakdowns, and intentional acts.
  • Home Insurance excludes damage from floods, earthquakes, mold, neglect, and more.
  • Life Insurance excludes suicides within two years of policy inception, fraud, war-related deaths, and hazardous activities.

Coverage limits define the maximum amounts the company pays for a claim or policy, and these differ based on the insurance type:

Add-ons or riders are optional features that enhance policies:

Claims Process

NorGuard Insurance Company aims for a straightforward claims process. Here’s how it works:

  • Report the claim promptly by calling (800) 673-2465 or filling out the online form at [NorGuard Online].

Provide policy information, date, time, location, description of the incident, and witness or third-party contact details.

  • Receive a claim number and a claim representative who will contact you within 24 hours to confirm details and outline the next steps.
  • Submit required documents such as police reports, medical bills, repair estimates, receipts, photos, or videos.
  • Documents can be sent via mail, fax, email, or online upload. The claim representative will review and confirm coverage and liability.
  • Get the money for your problem within 30 days after giving all the papers you need and saying yes to the amount with the person who helps you.

Payment options include check, direct deposit, or electronic funds transfer.

Required documents for claims vary depending on insurance type and incident:

  • Workers’ Compensation claims may require a First Report of Injury or Illness form, employee and employer statements, medical and wage records.
  • Auto Insurance claims may involve an Auto Accident Report form, police reports, driver’s license, registration, insurance card, and repair estimates.
  • Home Insurance claims might need a Property Loss Notice form, police or fire reports, an inventory list of damaged or stolen items, receipts or appraisals, and repair estimates.
  • Life Insurance claims could require a Claimant’s Statement form, a certified copy of the death certificate, beneficiary identification, and the policy document.

It takes about a month to say yes or no to your claim after you send us everything we need.

But sometimes it can take longer or shorter depending on how hard or easy your case is.

Renewals & Cancellations

NorGuard Insurance Company offers a seamless policy renewal process and fair cancellation policies:

  • Policy Renewal Process: Receive a renewal notice at least 30 days before your policy expires, outlining the renewal premium, terms, conditions, and any changes.

Renew by paying the premium or contact customer service for adjustments.

Decline the offer in writing before your current policy expires if desired.

  • How to stop your policy and get some money back: Write to us if you want to stop your policy.
  • We will give you back some of the money you paid, but we will keep some fees or charges.

The fees we keep may be $25 or 10% of the money you did not use, whichever is smaller, plus a 10% fee for policies that are stopped before half of the time is over.

You have 30 days to pay your premium, and we will not charge you extra or interest.

But if you do not pay within 30 days, we will end your policy and tell you.

Company Culture

NorGuard Insurance Company nurtures a positive company culture emphasizing teamwork, innovation, excellence, integrity, and social responsibility:

  • Teamwork: Collaboration, communication, cooperation, and diversity are promoted through team-building activities and training sessions.
  • Innovation: The company likes it when its people are original, try new things, and learn from them. The company also spends money on finding out new things, making new things, and using new machines.
  • Excellence: High performance standards and customer satisfaction drive regular evaluation and improvement.
  • Integrity: The company always tells the truth, shows what it does, takes responsibility for its actions, and treats everyone fairly. This is how the company works and talks with its people and others.
  • Social Responsibility: The company supports social causes and community involvement, promotes volunteerism among employees, and implements environmentally friendly practices.

Customer Experiences

NorGuard Insurance Company highly values its customers and aims to provide exceptional experiences.

Feedback is used for product and service enhancements, and loyal customers receive various benefits and incentives.

Customer Reviews and Ratings

Their rates and comprehensive coverage make them a top recommendation for reliable insurance.” – John S., 5 stars

FAQs

  • How can I get a quote from NorGuard Insurance Company?” Obtain a quote by visiting their website at NorGuard Online or calling their customer service number at (800) 673-2465. Provide essential information and select coverage options to receive a quote.

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