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Esurance Commercial Truck Insurance Review


ConsumersAdvocate.org Rating: 4.8 / 5 (Excellent)
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Founded in 1998 and based in California, Esurance Insurance Services is an online based insurer and wholly owned subsidiary of Allstate. Among its insurance policies, Esurance offers auto, homeowners and renter’s insurance through its user-friendly website, by phone, or through authorized agents in 43 states. Esurance features 24/7 claims service and has an A+ with the BBB.
 
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How is Esurance rated?

Breakdown

5.0/5
Coverage
5.0/5
Total Costs
4.5/5
Extras

Overall Rating: 4.8 / 5 (Excellent)

Esurance is a good choice for commercial vehicle insurance because of the flexibility the company offers. Customers not only have access to Esurance policies, but also options from trusted partners in Commercial Insurance.NET's affiliate list. Prospective clients should be advised that by providing Esurance your information, you are consenting to be contacted by agents and partners of Commercial Insurance.NET. As a reliable partner of Esurance, Commercial Insurance.NET offers business customers maximum flexibility in policies, discounts, and coverage options.

Esurance Coverage Options

Coverage - 5 / 5

Esurance can provide a huge variety of coverage options, either itself or through one of its affiliate partners on Commercial Insurance.NET. Alongside all the basic coverages common to all vehicle insurers (liability, collision, etc.), the Esurance portal can connect customers with carriers that have policies covering loading and unloading, towing & labor, and inland marine. Additionally, considering the affiliates available, coverage can be obtained for just about any kind of commercial vehicle out there.

Basic Coverage

Liability
Bodily Injury
Property Damage
Uninsured/Underinsured Motorist
Medical Payments
Collision
Comprehensive
Types of Vehicles Covered
Cars
SUVs
Pickup Truck
Utility Vans
Bucket Trucks
Catering Trucks
Refrigerator Trucks
Dump Trucks
Motorhome/RV
Bus
Limousine

Additional Coverage

  • Pet Injury Coverage
  • Fire and Theft with CAC
  • Individual Named Insured Endorsement
  • Loading & Unloading
  • Towing & Labor Costs
  • Inland Marine

Esurance Pricing & Discounts

Total Costs - 5 / 5

Esurance does not offer an online quote. The company has a web-based form where customers can submit some basic personal information, such as contact phone number and email, type of business, and business location. The form is actually powered by aggregator Commercial Insurance.NET. This is clearly stated in the page's banner as well as the fine print. Customers' information is distributed to competing commercial vehicle insurance carriers, which may or may not include Esurance. In terms of discounts, as Commercial Insurance.NET partners with such companies as Progressive, Travelers, and CNA, discounts will depend wholly on the provider the customer chooses.
Online Quote
No
Discounts
Package or Multi-Policy Discounts
Commercial Driver License (CDL) Discount
Time in Business Discount
Number of Vehicles Discount
Good Driver Discount
Loyalty Discount
Paid-in-Full Discount

Esurance Financial Strength

Financial Strength - 4.3 / 5

Esurance is owned by Allstate, one of the largest insurers in the world with more than 80 years in business. Esurance itself has an A+ (superior) with A.M. Best and is one of the first online insurance providers. However, as mentioned before, Esurance's commercial vehicle insurance operates as a partnership with Commercial Insurance.NET, and customers seeking a quote get funneled to a list of reputable affiliates like Travelers and Hartford. As always, we recommend that those in search of commercial vehicle insurance through Esurance scrutinize the individual financial strength ratings of the company their agent connects them with.
AM Best Financial Rating
A+
Year Founded
1998
Company Type
Subsidiary/ Partner
Underwriter
Allstate Insurance Company

Esurance Customer Experience

Extras - 4.5 / 5

Esurance has an A+ with the BBB and no Trustpilot presence. The company also has only one complaint for commercial auto lodged with the NAICS for all of 2017. This only paints a partial picture of customer experience as Esurance's commercial vehicle site is essentially an aggregator portal named Commercial Insurance.NET. Customers are encouraged to research consumer reviews of whatever insurance carrier they are ultimately paired with.
BBB Rating
A+
Number of BBB Positive Reviews
9
Number of BBB Negative Reviews
38
NAIC Complaint Ratio 2017
0.0
NAIC Total Complaints 2017
1
Date Collected
2018-03-27

Company Profile

Full Name
Esurance Commercial Truck Insurance
Company Website
https://www.esurance.com/
Headquarters
650 Davis St, San Francisco, CA, 94111

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Top Rated
Our Partner
  • Business insurance broker that works with well-regarded insurers
  • Offers Cyber, Business Owners Policy (BOP), General Liability, Professional Liability (Errors & Omissions), Workers Compensation, Commercial Auto, Directors & Officers
  • Operates in all 50 states plus DC
  • Connects to customers via web interface or phone
  • Produces competing insurance offers for customers to choose among
  • Focuses on small- to medium-sized businesses
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