Westminster American Insurance Company, North Dakota (ND): Overview, Contact Details, Payments, Claims, Ratings & Reviews

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.

Westminster American Insurance Company
Westminster American Insurance Company: Photo(Westminster American Insurance)

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


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

  1. 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)
  2. 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.
  3. 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:

  1. Online Claim Reporting
    • Click HERE to report your claim online.
  2. Email Notification
    • Send a loss notice via email to claims@westminsteramerican.com.
  3. Phone Contact (Business Hours)
    • Contact our Claims Department during regular business hours by calling:
      • Local: 443-291-4041
      • Toll-Free: 877-347-3920
  4. 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:

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.
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