ProAssurance Casualty Company, Michigan: Overview, Contacts, Services, Finances, Coverage, Claims, Compliance, Renewal & Cancellations, Reviews

ProAssurance Casualty Company: Your Trusted Insurance Partner in Michigan.

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ProAssurance Casualty Company. Your number one Insurance Company.

If you’re seeking a reliable and personalized insurance provider in Michigan, consider ProAssurance Casualty Company (PACC).

Established in 1976, PACC has been delivering a range of insurance products and services, including auto, home, business, and specialty insurance.

This blog post provides an overview of PACC, highlighting its features, benefits, and customer experiences.

Company Overview

Founded in 1976 by ProAssurance Corporation, a leading insurance holding company, PACC operates under the ProAssurance brand.

Headquartered in Okemos, Michigan, PACC serves customers across 14 states in the Midwest and Northeast regions.

Led by CEO Edward L. Rand Jr., a seasoned professional with over 20 years in the industry, PACC is supported by a dedicated board of directors and a senior management team overseeing the company’s strategic direction.

As a medium-sized insurance company, PACC holds a 0.2% market share in Michigan and 0.04% in the US.

With approximately 300 employees and 1,000 independent agents, PACC serves over 200,000 policyholders.

As of December 31, 2022, PACC boasts total assets of $1.2 billion and a policyholders’ surplus of $400 million. Recognized for its financial strength, PACC holds an A- (Excellent) rating from A.M. Best.

Basic Information

Contact Information
Phone Number (517) 349-6500
Address 2600 Professionals Drive, Okemos, MI 48864
Customer Service Contact (800) 292-1036 or
Policy Details Vary by product and state. Refer to your policy documents or contact your agent for details.
Email Address
Fax Number (517) 349-8977
Operating Hours Monday to Friday, 8:30 a.m. to 5:00 p.m. Eastern Time


Services & Products

PACC offers a diverse range of insurance products tailored to meet customer needs:

  • Auto Insurance: Covering personal and commercial vehicles, PACC’s auto insurance includes liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, and additional options like rental reimbursement and roadside assistance.
  • Home Insurance: Providing coverage for homeowners, renters, and condo owners, PACC’s home insurance includes protection for dwelling, personal property, liability, loss of use, and optional coverages such as identity theft and water backup.
  • Business Insurance: Tailored for small and medium-sized businesses, PACC’s business insurance covers property, liability, workers’ compensation, business interruption, and commercial auto, with optional coverages like cyber liability and employment practices liability.
  • Specialty Insurance: Addressing niche markets and unique risks, PACC’s specialty insurance covers liability, property, errors and omissions, with optional coverages like excess liability and directors and officers liability.

Special Packages and Bundled Services

  • PACC Advantage: Combining auto, home, and business insurance into a comprehensive package with discounts for customers holding multiple policies.
  • PACC Business Solutions: Offering customized and comprehensive insurance solutions for businesses, featuring flexible coverage options and competitive rates.
  • PACC International: Providing international coverage for customers traveling or doing business abroad, including access to a global network, multilingual assistance, and emergency services.
  • PACC Temporary: Offering temporary or short-term policies for specific needs, such as rental cars, vacation homes, or special events.

Financial Overview

PACC works hard to give cheap and fair insurance prices, making sure it has enough money and makes a profit.

To make it easy for customers, PACC lets them pay in different ways:

  • Monthly: Pay your premium in monthly installments with a small service fee. Payment methods include check, credit card, debit card, or electronic funds transfer (EFT).
  • Annually: Opt for a one-time lump-sum payment with no service fee. Payment options include check, credit card, debit card, or EFT.
  • Online: Conveniently pay your premium online with no service fee. Accepted payment methods include credit card, debit card, or EFT. Additionally, access policy details, billing statements, and payment history online.
  • By Phone: Make premium payments by phone with no service fee, using a credit card, debit card, or EFT. Speak directly to a customer service representative for any queries or concerns.
  • By Mail: Mail your premium payment with no service fee. Send a check or money order to PACC’s address. You can also request a paper or electronic bill by email.

PACC extends discounts and promotional offers to its customers:

  • Multi-Policy Discount: Save up to 15% on premiums when purchasing two or more policies, such as auto and home or auto and business.
  • Safe Driver Discount: Enjoy up to 10% savings on premiums with a clean driving record, free of accidents or violations for at least three years.
  • Good Student Discount: Save up to 10% on premiums if you’re a student under 25 years old, maintaining a B average or better in school.
  • Loyalty Discount: Save up to 5% on premiums by renewing your policy with PACC, without any lapse in coverage, for at least two years.
  • Referral Bonus: Earn a $25 gift card by referring a friend or family member to PACC, leading to the purchase of a policy.

With a commendable claim payout ratio of 80% in 2022, exceeding the industry average of 75%, PACC demonstrates responsiveness and fairness to its customers, avoiding unnecessary denials or delays.

Coverage Details

PACC ensures comprehensive and flexible coverage, allowing customers to customize and enhance their policies. Key features of PACC’s coverage include:

  • Policy Exclusions: Clearly defined situations or events not covered by your policy, such as intentional acts, fraud, war, nuclear hazards, wear and tear, or illegal activities.
  • Coverage Limits: Maximum amounts your policy pays for a covered loss, such as bodily injury, property damage, or medical expenses. Choose a limit that meets your needs and budget, meeting legal requirements.
  • Add-ons or Riders: Optional coverages for an extra premium, including rental reimbursement, roadside assistance, gap insurance, identity theft, water backup, personal umbrella, accidental death.

Claims Process

PACC boasts a simple and efficient claim process, with friendly and knowledgeable claim representatives available 24/7. To file a claim:

  1. Contact PACC: Report your claim online, by phone, email, or fax, providing your policy number, contact details, and a brief incident description. Receive a claim number and an assigned claim representative for personalized assistance.
  2. Cooperate with PACC: Collaborate with your claim representative, who guides you through the process, answers questions, and explains coverage and options. Provide requested documents or information, such as a police report, repair estimate, medical bill, or witness statement.
  3. Receive Your Payment: PACC evaluates your claim, determining eligibility and payment amount based on policy terms and conditions.

Legal & Compliance

Respecting privacy and adhering to regulations, PACC upholds legal and compliance policies, including:

  • Privacy Policy: Outlining how PACC collects, uses, shares, and protects personal information. Customers can opt out of marketing communications.
  • Terms and Conditions: Governing the use of PACC’s website, online services, and mobile applications. Users agree to abide by these terms and any updates made by PACC.

Renewals & Cancellations

PACC facilitates convenient policy renewals and cancellations tailored to customer needs:

Company Culture

PACC nurtures a positive and supportive company culture, aspiring to be the premier insurance company for customers, agents, employees, and shareholders. The culture at PACC revolves around four core values:

  • Integrity: PACC operates with honesty, transparency, and accountability, adhering to the highest ethical standards.
  • Excellence: PACC delivers quality products and services, constantly seeking improvement and innovation.
  • Customer Focus: PACC actively listens to and understands the needs and expectations of its customers, providing solutions that not only meet but exceed them.
  • Teamwork: PACC emphasizes collaboration, valuing the diversity and contributions of its employees and agents.

PACC helps its workers learn and grow in their jobs.

The company gives them classes, advice, money for school, and rewards.

Also, PACC cares about its workers’ health and happiness, giving them things like health care, retirement, vacation, and choice of work hours.

Customer Experiences

PACC enjoys a high level of customer satisfaction and loyalty, with positive feedback and testimonials from its customers. Here are examples of customer reviews and ratings for PACC:

  • Sarah T., Detroit, MI: “I’ve been a PACC customer for over 15 years, and I’m very pleased with their service.

They’re consistently responsive, helpful, and fair.

Claims are handled quickly and efficiently, and they’ve rewarded my loyalty with discounts. I highly recommend PACC to anyone seeking a professional and personal insurance company.”


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