Companion auto insurance is provided by a company known as Companion Property & Casualty Group. This is a South Carolina-based company focusing on commercial lines of property and casualty insurance. It should not be confused with the Companion Life Insurance or Companion Pat Insurance companies. Companion P&C got its start in 1984 providing workers compensation insurance to South Carolina’s employers.
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Since then the company’s product list and states of operation have grown significantly. They are now licensed to offer commercial insurance products in the District of Columbia as well as 16 states including Alabama, Georgia, Mississippi, North and South Carolina, and Virginia. With coverage extending into Midwestern states like Illinois and Wisconsin, the company’s footprint is pretty extensive.
Consumers who might be interested in purchasing auto insurance from Companion should be aware that this company only deals in commercial lines. If you’re a sole proprietor or a business owner with a fleet of vehicles, the company can sell you commercial auto insurance. You could even bundle the rest of your business insurance needs through Companion for greater coverage at a lower total cost.
Companion Local Agents
Because the nature of commercial business requires a more direct relationship between customer and carrier, Companion doesn’t sell or service policies through local agents in the same way a personal auto insurance company would. Rather, the company employs a group of agents who each cover a given amount of territory. These agents are available to help customers pursue claims, adjust policies and coverages, purchase a new policies, and do occasional audits and needs assessments.
Agents have access to a wide variety of Companion agent services through an online portal the company calls Once and Done Processing. Agents establish an account and ID with Companion, and then can login 24/7 to check customer accounts, file and process claims, and so on.
Customers should be given the contact information for their representative at the start of their new policy. If you are a Companion policy holder and you’re unable to reach your representative, you can always contact Companion directly at their Columbia offices. Their website provides two toll-free numbers; one for South Carolina residents and another for everyone else.
Most claims made by Companion customers will be processed directly through the corporate office or a regional representative. The claims process begins by notifying the appropriate individual and informing him or her of the circumstances. That representative will instruct the customer on how to fill out paperwork and monitor the claim throughout the process. Generalized instructions to help get you started are listed on Companion’s website. The company also provides an electronic claims service link as well.
One exception to this general policy relates to commercial auto glass coverage. Customers who need to make a glass replacement claim do so by contacting Harmon Auto Glass. Harmon partners with Companion to provide all of their glass-related services. The Companion website provides both a toll-free number and a link to Harmon’s website. It is assumed that all paperwork for such claims also goes through Harmon.
Since business insurance is so complex it would be unrealistic for Companion to offer any kind of online, automated quote tool. In order to provide you with a quote, Companion needs to speak with you in person in order to assess your needs. A general quote can sometimes be given over the phone, though business customers are better off meeting one-on-one with a representative. That representative will be thoroughly trained and able to offer you policies that meet your individual needs and comply with the regulations in your state.
Companion Customer Service and Reviews
It’s somewhat difficult to assess customer satisfaction in regards to Companion because individual reviews are not out there. On a positive note, it can be stated that a lack of negative reviews is a certainly good news. At the very least there aren’t large numbers of unhappy customers flooding the Internet with complaints and scam warnings.
On the positive side, Companion is rated very highly in terms of financial stability by companies like A.M. Best. These kinds of ratings gauge how an insurance company is doing in terms of its current finances and future outlook. The fact that Companion receives high ratings indicates they are doing well from a business standpoint. One must assume if this is true, that customers are probably also generally happy with the products and services they receive.
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