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Arch Insurance Review & Complaints: Business Insurance

Arch Insurance is part of a global insurance group that mainly focuses on business insurance to corporations, professional firms, and financial institutions. They also write a variety of supplemental policies including disability and travel insurance, mainly as employee benefits.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 16, 2020

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Arch Insurance
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ARCH Insurance is a part of a global insurance group; in the U.S. ARCH focuses mainly on business insurance to corporations, professional firms, and financial institutions. They also write a variety of supplemental policies including disability and travel insurance, mainly as employee benefits.

About ARCH

ARCH Capital Group started out in 1995 under the name Risk Capital Holdings, Inc. and took the current name in 2000 when it began trading publicly. The company serves clients around the world.

The insurance branch of the group in the United States is comprised of five companies: Arch Indemnity Insurance Company, Arch Insurance Company, Arch Excess & Surplus Insurance Company, and Arch Specialty Insurance Company.

ARCH focuses on insurance for corporations in a variety of industries, providing a variety of property, liability, and group employee benefit products. They also write specialty policies in the lending industry such as PMI insurance.

The company has offices in 20 states and sells policies through a variety of avenues including brokers. The group’s main U.S. office is located in New York City.

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ARCH Products

ARCH insurance products are available to a long list of industries, falling into these categories:

  • Civic, Religious, and Non-Profit
  • Construction
  • Education
  • Energy
  • Finance
  • Food & Beverage
  • Healthcare
  • Hospitality & Gaming
  • Manufacturing
  • Professional and Non-Professional Services
  • Public Entity
  • Real Estate
  • Retail & Wholesale
  • Sports & Entertainment
  • Technology, Media, and Communication
  • Transportation
  • Waste & Recycling

The list of available products is also long, with some designed specifically for a particular industry. Because these products are so complex, we have provided only a basic overview.

  • Property – Excess & Surplus, Global, Builder’s Risk, Completed Civil Works
  • Professional Liability – Accountants, Captive and Independent Agents, Lawyers, Network Security, Public Entity, Securities, and Miscellaneous
  • E&S Casualty – Energy, Construction, Specialty, Railroad
  • Group Benefits – Accident, Disability, Health
  • Contract Binding Operations
  • Defense Base Aid
  • Design & Environmental
  • Executive Assurance
  • Excess Worker’s Compensation
  • Lender Products – Collateral Protection, Finance & Insurance
  • National Accounts Casualty
  • Study Abroad & Travel Insurance


The ARCH website does not offer rate information, this is common and appropriate for a company writing specialty commercial insurance with complex coverage and risks. This type of insurance requires quite a bit of detailed specific information about the company in order to provide accurate quotes.

Rate quotes can be obtained through licensed brokers representing the company across the country. The site has a regional search to locate the nearest broker for quoting and further policy information.


ARCH’s U.S. claims department is located in Omaha, Nebraska, and claims can be submitted there by phone, fax, email, or through the mail.

While the claims contact information is easy to find, there is not much else in the way of claims information on the site. This is again not unusual for this type of company, where claims often require a lot of investigation and can be complex.

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Ratings and Consumer Reviews

ARCH has an A+ rating with the Better Business Bureau (BBB), with a total of 16 complaints on file in the past three years. The six customer reviews on the file result in a one-star rating.

There is not much else in terms of reviews of this company, which is about what we expect from a commercial insurer focused on corporations and professional firms. Complaints with this type of company are generally handled through other means.

The Bottom Line

ARCH Insurance Group is not the type of company you run into by accident; as a general rule they bring in new business through word of mouth and broker sales. We found nothing of concern in their reputation, and they have a wide variety of specialized policies for businesses available. We recommend seeking the assistance of a broker specializing in commercial insurance to determine whether or not they are a good fit for your company.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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Arch Insurance
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. Travel Arch Insurance is a major scam and I have filed complaints with both the attorney general of both Maryland and NJ for their unfair and deceptive practices.

    I have an explanation of benefits on page 1 of my policy that references “cancellation for any reason for up to $1,899.

    When Virgin Australia didn’t honor the Dept of Transportation’s enforcement action in April 2020 to not assess penalty and cancellation fees due to COVID, the airline filed for bankruptcy.

    I submitted a claim to Arch on the penalty fares and provided the entire history of the trip.

    7 weeks of dragging out the process, asking me for the same information I had already provided and contacting both (who I purchased the policy) and Gate 1 (tour operator), my claim was denied in its entirety.

    Stay far away from this company.

    I have appealed and not heard a word or acknowledgment from this company either.

  2. SUBMITTED A FORMAL COMPLAINT TO THE BETTER BUSINESS BUREAU FOR ARCH INSURANCE SOLUTIONS AT 11350 McCormick Road, Suite 102, Hunt Valley, MD 21031 for taking all of my refund after I became unemployed and provided all documents they required. I had purchased the travel insurance they kept ALL OF MY REFUND!!

    9/13/2019 Complaint has been sent to the business 1/1
    BBB Serving Greater Kansas City
    8080 Ward Parkway, Suite 401
    Kansas City, MO 64114
    Phone: (816) 421-7800
    Fax: (816) 359-3174

    Lita Goldsboro

    Dear Lita Goldsboro:

    This message is in regard to your complaint submitted on 9/11/2019 against Arch Insurance Company. Your complaint was assigned ID 13829087.

    Your complaint has been sent to the business for their response. Once they have responded to the BBB, we will contact you again. In the meantime, if the complaint gets resolved, please send us a message to inform us.
    The text of your complaint may be publicly posted on the BBB web site (BBB reserves the right to not post in accordance with BBB policy). Please do not include any personally identifiable information in describing the nature of your complaint.

    By submitting your complaint, you are representing that it is a truthful account of your experience with the business. BBB may edit your complaint to protect privacy rights and to remove inappropriate language.

    Paul Nelson
    The Better Business Bureau

  3. I purchased travel insurance through Arch Insurance Solutions, Inc. via Groupon for an oversees trip; I became unemployed.

    I still needed to take immunizations in order to take the trip but couldn’t afford them due to not having a job.

    I canceled the trip and even though I provided the proof that I was not working they kept all of my money over $600.00.

    I’m filing a complaint with the Maryland Attorney General’s Office of Consumer Protection Division and the Better Business Bureau!

  4. I’m filing a complaint with the Maryland Attorney General’s Office Consumer Protection Division.

    Arch insurance refused to refund my travel money after purchasing their travel insurance.

    I lost my job and canceled my trip due to not having a job, not be able to know when I would receive another job, not being able to pay for immunizations in order to take the trip overseas, and the trip itself.

    I purchased this trip through Groupon!

  5. I am trying to get my travel cancellation refund from Red Sky.

    I have submitted all documents weeks ago and still no check.

    I will never buy travel insurance again.

  6. Arch Insurance Company selected Trip Mate, Inc. as their third-party claims administrator for insurance sold through Sun Country Airlines. It took four months and assistance from Mn Senator [Redacted] as well as the Attorney General of Missouri to get paid on a non-debatable claim. I never got an apology from Arch Insurance Company for the trouble we went through. Check under insurance and then under Tripmate. There were 297 reviews and 295 were one-star horror stories and two were 2 stars but they hadn’t been paid yet.

  7. Arch insurance is absolutely horrible and a joke. Their customer hit us over a month ago and we still cannot get anyone to contact us back. We got our car quote as asked and yet crickets from all the non-calls and emails we still have yet to get back! Guess it’s that time to fetch a lawyer.

  8. Arch has entered the high risk property insurance market. Today they wrote a marina in Tennessee. Marinas are highly prone to wind losses. Ten carriers have exited the market in the past 5 years including New Hampshire, Chubb, Great Midwest (Bunker Hill), Hanover, Fireman’s Fund, Travelers and others. Are they financially strong enough to take a beating? AM Best shows their rating “Under Review”. Could their rating change overnight? When Surplus Lines carrier ratings fall agents face tremendous peril. Your thoughts are appreciated.


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