Philadelphia Insurance
Specialty commercial insurance for nonprofits, religious institutions, habitational, and specialty commercial property.
Ratings
How This Carrier Rates
Overview
About This Carrier
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 commercial property. For these industry niches, Philadelphia often wins on both coverage breadth and claims service.
Why Choose Them
What This Carrier Does Well
Specialty appetite for Georgia nonprofits and religious institutions, including directors and officers coverage for boards
Habitational strength (apartment buildings, condo associations, HOAs) where standard commercial carriers are selective
Tokio Marine Group backing provides A++ Superior financial strength and deep capacity
Limitations to Know
Where They Fall Short
Not a primary market for standard small business coverage outside their specialty niches
Underwriting is selective within specialty niches; requires qualifying risk profile
Philadelphia's surplus lines status for some specialty programs removes admitted market protections including state guaranty fund backing
Right Fit
Who They Are Best For
Best Fit For
Specialty commercial risks including specialty/surplus lines placements, professional liability, nonprofit directors and officers, and unique business operations that need customized coverage structures.
Not a Good Fit For
Standard coverage or commodity commercial risks. Philadelphia is a specialty carrier and their value is in coverage quality and breadth.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines - Georgia
- Coverage Types
- Specialty business owners policy, professional liability (directors and officers, employment practices), workers comp, commercial auto for habitational and nonprofit
- States Available
- GA and all 50 states
- Commercial Lines States
- GA and all 50 states
- Max Business Revenue
- Core appetite small to mid-market in specialty niches; writes accounts from $250K revenue to $100M+
- BOP Appetite
- Strong business owners policy appetite for specialty niches where admitted competitors are weak: nonprofits, religious institutions, schools, habitational (apartments, condo associations, HOAs)
- Industry Classes
- Nonprofits, religious institutions, schools and daycares, habitational (apartments, condos, HOAs), fitness centers, recreational facilities, auto dealers, equine operations, commercial property management
Pricing & Claims
What to Expect
Best Pricing For
Specialty commercial liability and nonprofit directors and officers across nonprofits, religious institutions, schools, habitational, and recreational facilities.
Pricing Context
Philadelphia Insurance Companies is competitive for specialty commercial liability, nonprofit directors and officers, and professional liability across a broad range of business classes.
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.
File a Claim
- Phone 1-800-765-9749
- Hours24/7 phone
- Online Claims portal
Admitted Status: Admitted in Georgia for all commercial lines
Compared
How They Compare
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.
Quick Facts