Westminster Global Business Insurance Review

Services and Features

Westminster Group offers business liability insurance which you can purchase online directly through the company's website. Just fill out some basic information about yourself and the employees/additional professionals you'd like to insure and then enter your payment information to buy the policy. You'll receive a PDF copy of the policy emailed to you within minutes.

You can login to your Account at any time to review your profile, past and present policy details and information about renewal.  You can also download the documents again if you need to.  Unfortunately, if you need to file a claim, there is no online way to do this, so you will need to reach out to the company by phone or email. 

Product Features

• Professional liability coverage (for errors and omissions)
• Covers you and up to 34 employees – individual or group quote options*
• Online quote and purchase process
• Insured by Certain Underwriters at Lloyd’s of London with an A.M. Best Guide Rating of A “Excellent” XV
• Sexual and Physical Misconduct included
• Legal defense costs included
• Covers a variety of service businesses

Optional coverage

• General liability (for bodily injury and property damage)
• Computer Information Security and Privacy Coverage
• Product Liability*
• Hired and Non-Owned Auto for Groups*
• Waiver of Subrogation
• Coverage for Overseas work
• Available in USA only

Coverage

Westminster Group offers professional and general liability coverage to protect you in case you're sued for malpractice, negligence or errors and omissions. Sole proprietors can purchase an individual policy while businesses with multiple employees/additional professionals can purchase group policies that cover all employees/additional professionals

Unfortunately, Westminster Group doesn't offer commercial property, worker's compensation or employee benefits coverage, so you may have to search elsewhere if you have company merchandise, equipment or vehicles that need insuring. But if your business is primarily you offering a service to your clients, liability coverage may be all you need.

Business Types Covered

Westminster Groups business insurance policies cater primarily to service providers, as opposed to product manufacturers. The company website has a long list of services it covers, including holistic health services, yoga and business coaching. The online quote tool enables you to enter separate services for you and each of your employees/additional professionals, so every person gets the coverage he or she needs to be adequately protected while working.

Business Size

You can purchase a business liability policy covering yourself and up to 34 employees. The first 19 employees cost $100 each and employees 20-34 cost an additional $70 each. You can also purchase an individual policy if your business doesn't have any employees other than you. Just select "Individual" when asked which type of policy you'd like in the online quote tool. Otherwise, select "Group."

Customer Support

When you go to the contact page of Westminster Group's insurance website, it directs you to reach out to its partner, Huntington Insurance (USA) or Assurances Bourgon, Inc (Canada). The full quote and policy purchase is done online so unless you require further information there is no need to contact them.  But, if you require help you can reach the company by email or phone during its normal business hours. According to Westminster's website, these partners manage and accept regulatory responsibility on behalf of Westminster Group.  Both programs are Insured by Certain Underwriters at Lloyds of London with an A.M. Best Guide Rating of A “Excellent” XV.