Westminster American Insurance Company was initially founded in 1869 to protect rural homeowners and farmers in Carroll County, Maryland.
For over a century, it operated as Carroll County Mutual or CCM, a mutual carrier with modest success.
In 2005, new ownership renamed it Westminster American Insurance Company (WAIC) .
And shifted its focus to underwriting commercial real estate in the Mid-Atlantic.
In January 2020, WAIC joined NI Holdings/Nodak Insurance Group, enhancing their product portfolio and expanding their reach.
With over $75 million in direct written premiums, WAIC is now a leading insurer of Mid-Atlantic commercial real estate.
They offer Business Owner’s Policies (BOP), commercial package policies, and commercial umbrella policies.
Westminster American Insurance Company Overview:
- Established in 1869
- Specializes in commercial real estate in the Mid-Atlantic region
- Provides coverage in 10 states and holds licenses in 18 states
- Holds an “A” (excellent) rating from A.M. Best
- Rated “B-” by the Better Business Bureau (BBB)
- Offers services for business owners (BOP), commercial package, and commercial umbrella policies
- 24/7 claims reporting available via phone and online form
- Demonstrates strong financial stability
Westminster American Insurance Company Contact Details
Address
Westminster American Insurance Company
8890 McDonogh Road,
Suite 310 Owings Mills, Maryland 21117
Contact Information:
Toll-Free: 877-353-8090
Local: 443-291-4040
Billing/Payment Questions:
Toll-Free: 877-281-4340
Local: 443-291-4042
Email: Payments@WestminsterAmerican.com
Claims Department:
Toll-Free: 877-347-3920
Local: 443-291-4041
Email: Claims@WestminsterAmerican.com
Commercial Lines
Underwriting Department: Toll-Free: 877-259-1110
Local: 443-291-4043
Email: Commercial@WestminsterAmerican.com
Westminster American Insurance Company Payments
Payment Options
- Online Payment
- Westminster American Insurance accepts most major credit cards and e-check payments.
- Please Note: All credit card payments are subject to a non-refundable, third-party convenience charge of up to 3%.
- To make an online payment, please enter your policy number: (e.g., WAIC-1234-5678 or BOP12345678)
- PROCEED
- Over the Phone Payment
- To make an e-check payment over the phone, please call the billing department at 443-291-4042.
- Please note: They no longer accept credit card payments over the phone.
- Payment by Mail
- Send your personal, business, or cashier’s check to:
- Westminster American Insurance Company
- 8890 McDonogh Road, Suite 310, Owings Mills, Maryland 21117.
- For assistance with billing issues, please contact their billing department at 443-291-4042.
Westminster American Insurance Company Claims
How to Report a Claim
You can report a claim to Westminster American Insurance through various convenient methods:
- Online Claim Reporting
- Click HERE to report your claim online.
- Email Notification
- Send a loss notice via email to claims@westminsteramerican.com.
- Phone Contact (Business Hours)
- Contact our Claims Department during regular business hours by calling:
- Local: 443-291-4041
- Toll-Free: 877-347-3920
- Contact our Claims Department during regular business hours by calling:
- After-Hours Emergency
- For claims emergencies after business hours, please call their claims line and dial 7 to connect with an after-hours claims representative.
Property Loss Instructions
For property claims, it’s essential to take these steps:
- Report the loss promptly to allow for a prompt inspection.
- Protect the property from further damage by making reasonably necessary repairs.
- Document the loss by taking photographs and/or video.
- Report losses due to theft or vandalism to the police.
Liability Loss Instructions
In the event of a liability loss:
- Notify us promptly, providing details of where, when, and how the occurrence happened.
- Share names and contact information for any injured persons or witnesses.
- Provide us with copies of any legal papers, notices, or demands that you receive.
- Safeguard video, photographs, and other physical evidence.
Also Read: Great American Alliance Insurance Company(OH): Locations, Contacts, Reviews, Claims, Financial Details, Coverage Details, Owner, Login, Careers, Online and Technological Features.
Westminster American Insurance Company Financial Strength Rating (FSR) & Reviews
Westminster American Insurance Financial Strength Rating (FSR) has been upgraded to A (Excellent) by A.M. Best.
This rating improvement is a result of Westminster American’s sale to NI Holdings on January 1, 2020;
And its forthcoming implementation of an inter-company pooling agreement with Nodak Insurance Group.
Westminster American Insurance has now been designated with Nodak Insurance Group’s Financial Size Category (FSC) of IX.
Pros of Westminster American:
- A reputable insurer with over 150 years of experience in the insurance industry
- Highly rated by A.M. Best
- Convenient 24/7 claims reporting through phone or online form
- Solid financial stability
- Coverage spans 10 states
Cons of Westminster American:
- Not accredited by the BBB
- Limited availability of customer feedback
- Scant information about the claims process and coverage on the official website
- The official website may benefit from a significant update
- Offers a restricted range of coverage options
- Official website lacks information regarding business hours
- Unfortunately, Westminster American does not offer commercial property, workers’ compensation, or employee benefits coverage.
Ronald Mandela
CURRENTLY
Content Writer, Insurance Insights
RESIDES IN
Minneapolis, Minnesota
EXPERIENCE
Over 6 years in the insurance industry
QUALIFICATIONS
Insurance Writing Maestro:
Ronald Mandela, a seasoned Content Writer at Insurance Blob, brings over six years of dedicated experience in the insurance industry.
Effective Communication Specialist:
Renowned for his ability to transform intricate insurance concepts into engaging and accessible content for a broad audience.
Industry Insight Contributor:
Ronald contributes valuable insights into the world of insurance through his in-depth articles and guides, catering to both novice and seasoned readers.
Minneapolis Insurance Perspective:
Brings a unique regional perspective to insurance writing, addressing the specific concerns and trends within the Minneapolis insurance landscape.
Continuous Learning Advocate:
Committed to staying at the forefront of industry trends, Ronald ensures that his writing reflects the latest developments and innovations in the insurance sector.
Education
Ronald Mandela honed his writing skills and gained a deep understanding of the insurance landscape through years of hands-on experience and continuous learning within the industry.
As a dedicated Content Writer, he plays a vital role in making insurance-related topics accessible and engaging for a diverse readership.