Navigators Auto Insurance Review (2021)

Navigators Insurance Company does not offer auto insurance. Instead, you can compare auto insurance companies online and save up to $859.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 12, 2021

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Company Details
Address: 1375 E Woodfield Rd, Suite 720
City: Schaumburg
State: IL
ZIP Code: 60173
Phone Number: (855) 444-4796
Year Founded: 1982
AM Best Rating: A
Company Rating 0 (0 reviews)

Things to Remember...

  • Navigators Insurance Group is licensed to write commercial property & casualty policies.
  • The insurer strives to help American and British businesses of all kinds to manage risks
  • Navigators Specialty considers high-risk coverage requirements and offers excess and surplus coverage

Navigators Insurance Group, Inc. of Rye Brook, New York helps a variety of businesses, including seagoing customers, to manage property & casualty risks in the United States and the United Kingdom.

The company, along with Navigators Underwriting Agency (NUA), focuses on meeting customers’ needs.

They do not offer auto policies.

When you’re thinking about getting the best rates, you want to review lots of quotes. Request them now by providing your ZIP code!

What products and services does the company offer?

The company offers a complete array of property & casualty lines, including commercial coverage.

In addition, the insurer offers admitted property & casualty products, including package policies for transport, contracting, manufacturing, and real estate companies.

The company doesn’t seek to do business with entities that have the following needs:

  • personal dwellings
  • long-haul transportation
  • West Coast builders
  • construction

The company isn’t looking to write small to medium-sized business owner policies (BOPs) or workers comp contracts for employers.

In 2011, the company announced it will no longer write auto insurance coverage for small to medium-sized companies.

Navigators provides professional and management liability coverage and general liability coverage for builders and contractors. The company also writes catastrophic risk solutions.

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Who are the company’s agents?

Navigators Insurance Group uses a national network of independent insurance agents and brokers to distribute and sell its financial services.

The company is selective about its independent agent relationships and wants to build a collaborative relationship with new agencies.

Navigators’ resources can help agencies to develop a-niche-within-a-niche business segments and revenues. The company provides the necessary size and financial strength to offer flexibility and client customization.

Navigators’ goal to foster a paperless environment encourages agents and brokers to submit quotes and policies via a secure intranet.

Commissions earned each month are calculated and paid monthly. Navigators offers a competitive commission structure and a profit-sharing plan for producers.

The company has developed an international network of wholesale and retail agents and brokers in the following countries:

  • Sweden
  • Denmark
  • Belgium

They are working to continue to develop affiliates in high-growth China and Brazil markets.

According to the company’s annual report, Navigators continues to control costs and reinvest funds into its operations.

The company says it wants to expand into new products and underserved regional markets. Companies with high-value assets and infrequent loss claims are of special interest to the company.

Navigators created a new subsidiary, Navigators Re, in 2010, to focus on medical expense, agribusiness, and property treaty opportunities throughout the North and South Americas.

What do you need to know about claims and financial information of the insurer?

The company believes in a fast, efficient, and fair processing of customer claims, according to the company website.

Clients may download claims forms or contact the company by telephone to initiate the claims submission process.

Navigators is publicly-owned and the company’s shares trade on the NASDAQ.

Navigators Insurance Group competes most directly with AXA Corporate Solutions, the Travelers Companies, and Allianz Global Risks.

The company also competes with:

  • Arch
  • Berkshire Hathaway
  • CNA Financial
  • Amica Mutual
  • Aspen
  • Chubb Corp.
  • ProSight Specialty Group
  • Specialty Underwriters Alliance
  • Global Indemnity
  • RLI
  • White Mountain
  • Safeco
  • Zurich America

The company employs approximately 494 people in all locations.

Since you’re thinking about auto coverage right now, take a moment to request fast, free auto insurance quotes by providing us with your ZIP code.

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