Philadelphia Insurance Companies Review & Complaints: Auto Insurance

Philadelphia Insurance Companies' A.M. Best rating is A++ and A+ with the Better Business Bureau. Follow this Philadelphia Insurance Companies review for more regarding their commercial insurance policies, Philadelphia Insurance Companies subsidiaries, and where you can file Philadelphia Insurance Companies claims.

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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 place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Sep 24, 2020

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Philadelphia Insurance Companies

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The Highlights

  • The beginnings of Philadelphia Insurance Companies (PHLY) date back to 1962.
  • The company mainly writes policies for sports and fitness clubs, non-profit organizations, and other specialty markets.
  • Currently, the only personal lines insurance available from PHLY is Antique/Collector Car insurance.

With roots going back to the early ’60s in its namesake city, Philadelphia Insurance Companies (PHLY) is a homegrown insurer now serving the entire country. They mainly offer specialty products with a focus on commercial lines.

We understand that finding the best auto insurance for Pennsylvania can be a difficult task. This is why we will go through Philadelphia Insurance Companies step-by-step in our Philadelphia life and health insurance review.

How affordable are Philadelphia Insurance Companies and other insurers? Find out by typing your ZIP code into our helpful and FREE tool above to find reasonable rates in your area.

PHLY Car Insurance Rates

The beginnings of Philadelphia Insurance Companies (PHLY) can be traced back to an insurance agency formed by James J. Maguire, Sr. in 1962. After landing a contract with Chevrolet, his company spent the ’70s expanding operations into other states. Maguire formed a holding company in 1980, under which he then opened Philadelphia Insurance Companies in 1987.

To this day, PHLY specializes in serving two main niche markets: sports and fitness clubs and non-profit organizations. They mainly write commercial package policies for these and other specialty markets. The following PHLY commercial explains how they cater to niche markets, including non-profit organizations.

Currently, the only personal lines insurance available from PHLY is Antique/Collector Car insurance, although they do write flood insurance through the National Flood Insurance Program. This video goes into detail about their work with the National Flood Insurance Program, including tips on how to protect your property from flooding.

 

So, how affordable is Philadelphia Insurance Companies, and what are their rates? It depends on a variety of factors, including your location. Let’s read on to find out more.

What is PHLY’s availability by state?

PHLY maintains headquarters in its original city, but the company has offices in 50 locations across the country. They operate today as part of Tokio Marine Group, a large international insurance group.

Before we discuss what coverages are offered by PHLY, feel free to find some quotes from a few of the best insurance companies below.

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PHLY Car Insurance Coverages Offered

PHLY offers a wide variety of commercial package policies for specialty markets, as well as specialty liability and a handful of other products. They also offer multiple commercial coverage options for specialty markets, including:

  • Education
  • Entertainment and Recreation
  • Habitational
  • Health and Fitness
  • Industry Services
  • Non-profit and Human Services
  • Outdoor Products
  • Public Services
  • Real Estate
  • Special Events
  • Sports

As you can see, PHLY services a wide array of industries. Additionally, Philadelphia Insurance Companies offers many bundling options.

What are PHLY’s bundling options?

Each package policy can be customized with endorsements and products that include commercial auto insurance business coverage and specialized liability. You might be asking, “Does Philadelphia Insurance Companies offer car insurance?” They do, but there is a catch.

There is a selection of other products listed on the PHLY website, including Antique and Collector Car coverage that is available both as a personal policy and commercial policy. These products are written in partnership with Grundy, a specialty insurer that mainly writes classic car coverage.

PHLY also writes the aforementioned flood insurance for personal and commercial needs and group participant accident insurance. This can be purchased for sporting events, camps, volunteer events, and more.

You may be wondering, “Can I buy Philadelphia Insurance Companies coverage online?” Due to the nature of their business, they do not offer rates on their website, nor is there an online quoting option. This makes sense, as commercial insurance is complex and a large number of factors can figure into the final rate. Unfortunately, it renders the question “How much are policies on average for Philadelphia Insurance Companies?” difficult to answer with any precision. Thankfully, PHLY offers multiple discounts.

What are discounts offered by PHLY?

PHLY has partnered with Training for Intervention ProcedureS (TIPS) in the hopes of providing cheap training solutions for those who hold liquor liability policies with PHLY. These seminars help to:

  • Spot underage drinkers and prevent sales to minors.
  • Recognize signs of intoxication.
  • Effectively intervene to prevent potential problem situations.
  • Handle refusal situations with greater confidence.

This training ultimately helps to reduce liability and includes the following benefits:

  • Reducing exposure to alcohol liability lawsuits.
  • Addressing alcohol-related issues specific to your environment.
  • Reducing penalties for alcohol violations.
  • Improving customer service and professionalism.

It’s even better for policyholders because, in addition to discounts, PHLY also offers a number of programs.

What programs are available from PHLY?

PHLY offers many great programs to its policyholders. They have abuse prevention training via their PHLY Risk Management Services department for human services providers. This is to educate those in the field on appropriate interactions between human service providers and their clients.

They also partner with The ALICE Training Institute to give seminars on responding to a violent intruder. Here is a promo ad for ALICE that illustrates the importance of holding such seminars.

ALICE Training Institute exists to educate individuals on how to properly respond to an armed shooter instance. Let’s take a look at a table showing the topics covered in this program.

ALICE Violent Intruder Training Institute Seminar Topics
ALICE Seminar Component
Early warning signs of potential violent persons
Case histories and lessons learned
Can infrastructure security measures keep us safe?
Effective barricading & evacuation strategies
Liability concerns of following outdated plans & policies
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In addition to active shooters, they also have an abuse prevention system in place. This is operated by sexual abuse attorneys and provides online resources that have been proven to reduce the risk of child abuse in children’s programs.

Here is a video on the Child Abuse Safety System that provides some statistics, as well as goals for the program.

 

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Canceling your PHLY Car Insurance Policy

Is there a cancellation fee?

No cancellation fee is listed, but this would be well worth inquiring about with your insurance agent.

Is there a refund?

The company policy is to issue a refund within 30 days via a mailed check. According to customer reviews from the Better Business Bureau, however, PHLY can sometimes provide misinformation in regards to refund amounts or whether or not a refund will even be received in the first place.

How do you cancel?

According to PHLY’s website, a policyholder may cancel their policy by emailing [email protected] with their name, policy number, and date of cancellation.

When can I cancel?

Philadelphia Insurance Companies’ website does not list any particular time period during which a policyholder can cancel their policy. This lack of information makes it imperative that you inquire with your agent.

How to Make a PHLY Car Insurance Claim

“How can I contact Philadelphia Insurance Companies?” There is a variety of options for those seeking PHLY’s contact info. Claims can be reported with an online form that is offered for several different lines of business. There is also an email address through which claims can be submitted.

Toll-free phone numbers are available to make claims through Philadelphia Insurance Companies, one for during business hours and another for use after hours. The Philadelphia Insurance Company’s phone number is 1-804-290-7940. Their 24/7 catastrophe line can be reached at 1-800-765-9749. A mailing address for claims is also listed on the site.

Auto glass claims are handled by HSG, a Philadelphia-based auto glass repair service. There is a different toll-free number that should be used for this type of claim.

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PHLY: Car Insurance Ratings

“How does Philadelphia Insurance Companies compare to other companies? Is Philadelphia Insurance Companies a reliable company?”

Philadelphia Insurance Companies has an A+ rating with the Better Business Bureau (BBB), with a total of 16 complaints on file in the past three years. Eight of those were closed in the past twelve months.

Philadelphia Insurance Companies’ ratings on the customer side are lackluster. There are seven reviews on Yelp, and of these, the only positive review appears to be from a professional reviewer and not a true client of the company. The remainder of the reviews are one-star and focus on poor customer service and claims handling.

Philadelphia Insurance Companies Review: The Bottom Line

If you are in the market for specialty commercial insurance products, PHLY might be worth a deeper look. Due to the general lack of information available on the company, we are unable to provide a solid recommendation based on the limited information we were able to obtain.

Now that you’ve finished our Philadelphia Insurance Companies review, feel free to use our helpful tool below to find reasonable rates in Philadelphia by typing in your ZIP code.

Frequently Asked Questions: Philadelphia Insurance Companies Review

#1 – Does Philadelphia Insurance Companies offer employee benefits?

Yes, they offer investment incentives, medical benefits, volunteer benefits, paid vacation, and more. These can be accessed via the Philadelphia Insurance agent login.

#2 – How do I change my address on Philadelphia Insurance Companies policy?

Their website does not list a specific way to change your address, but you can log in to your MyPHLY account if you’re a policyholder or call them at 1-877-438-7459 to inquire.

#3 – What is PHLY fitness insurance?

This is a subsection of PHLY that is tailored to the fitness industry. PHLY proudly states that 90 percent of its employees use their onsite gym and over 10 percent of its employees annually compete in various athletic competitions.

#4 – Where can I find Philadelphia insurance company reviews?

Better Business Bureau and A.M. Best are two excellent options when it comes to company reviews. If you want former or current employee reviews, www.glassdoor.com is a helpful resource.

#5 – How do I file a Philadelphia Insurance Companies payment?

You can pay online, call 1-877-438-7459, or pay by mail to the following address:

Philadelphia Insurance Companies  P.O. Box 70251  Philadelphia, PA 19176-0251.

You can also send payments overnight to:

Philadelphia Insurance Companies   Attn: Cash Department  One Bala Plaza, Suite 100  Bala Cynwyd, PA 19004-0950.

#6 – What is Philadelphia Insurance Companies’ number of employees?

As of 2020, Philadelphia Insurance Companies employs 1,600 people in 50 offices across the country.

#7 – Is Philadelphia Insurance Companies’ pay online option still available?

Yes, you can pay your bills online as long as you have a User ID and Password to access their website. You can either log in to your MyPHLY account or create an account, then select Online Bill Pay in the left-hand menu. They also accept electronic checks from your checking or savings account.

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