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INSURANCE CARRIER

Philadelphia Insurance

Specialty commercial insurance for nonprofits, religious institutions, habitational, and specialty real estate.

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RATINGS & OVERVIEW

How This Carrier Rates

AM Best

A++ Superior (Tokio Marine Group)

JD Power Personal

JD Power Commercial

Ranked 2nd in the 2025 J.D. Power Small Commercial study with a score of 714/1000. Above industry average (698).

NAIC Complaint Index

Philadelphia Insurance Companies is a specialty commercial carrier focused on industry niches where other carriers have weaker appetite. Their core Georgia strengths are nonprofit and religious institution insurance, habitational (apartment buildings, condominium associations, homeowner associations), schools, fitness and recreational facilities, and specialty real estate. For these industry niches, Philadelphia often wins on both coverage breadth and claims service.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 1

Specialty appetite for Georgia nonprofits and religious institutions, including directors and officers (D&O) coverage for boards

Strength 2

Habitational strength (apartment buildings, condo associations, HOAs) where standard commercial carriers are selective

Strength 3

Tokio Marine Group backing provides AM Best A++ financial strength and deep capacity

LIMITATIONS TO KNOW

Where They Fall Short

Weakness 1

Not a primary market for standard small business BOP outside their specialty niches

Weakness 2

Underwriting is selective within specialty niches; requires qualifying risk profile

Weakness 3

Philadelphia's surplus lines status for some specialty programs removes admitted market protections including state guaranty fund backing

Best Fit For

Specialty commercial risks including E&S placements, professional liability, nonprofit D&O, and unique business operations that need customized coverage structures not available from standard market carriers.

Not A Good Fit For

Standard BOP or commodity commercial risks. Philadelphia is a specialty carrier and their value is in coverage quality and breadth, not in competing on lowest-cost standardized products.

APPETITE & COVERAGE

What They Write

Coverage Types

Specialty BOP, professional liability (D&O, EPL), workers comp, commercial auto for habitational and nonprofit

Best Pricing For

Specialty commercial liability and nonprofit D&O across nonprofits, religious institutions, schools, habitational, and recreational facilities. Most competitive on niches where standard markets are weaker.

Industry Classes

Nonprofits, religious institutions, schools and daycares, habitational (apartments, condos, HOAs), fitness centers, recreational facilities, auto dealers, equine operations, real estate management

Admitted Status

Admitted in Georgia for all commercial lines

CLAIMS & PRICING

What to Expect

Claims Experience

Specialty commercial claims infrastructure with expertise in the industry niches they serve. Particularly strong on habitational claims (water damage, liability) and nonprofit professional liability. Part of Tokio Marine Group, providing deep capacity and financial strength.

Pricing Context

Philadelphia Insurance Companies is competitive for specialty commercial liability, nonprofit D&O, and professional liability across a broad range of business classes. Pricing reflects coverage breadth, not commodity rates.

vs Competitors

Primary competitors in specialty niches are Nationwide, Church Mutual (religious), and Great American (nonprofits). Philadelphia typically wins on broad specialty coverage and claims service. Church Mutual wins on very small religious accounts; Great American on select nonprofit segments.

File a Claim

Call to report a claim:

Phone unavailable

STATE AVAILABILITY

Where They Write

States Available

GA and all 50 states

Personal Lines States

Commercial Lines States

GA and all 50 states

Do We Work With Them?

Yes

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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