A Kilpatrick Health Insurance Company review leads to Kilpatrick Insurance. Established in 1944 by MJ Kilpatrick to sell insurance in Louisiana, the company now sells insurance in Louisiana, Texas, Arkansas, and Mississippi. All agents are specifically trained to sell insurance in these specific states so that state laws and regulations are met.
Kilpatrick Insurance sells:
- Health insurance
By providing so many different types of insurance and coverage options, Kilpatrick can meet all their client’s insurance needs in one place. Many customers take advantage of the multi-policy discount that is offered.
Kilpatrick Insurance Personal Products
Kilpatrick Insurance sells both personal and commercial lines of insurance. The personal lines of insurance sold by Kilpatrick Insurance are:
- Recreational vehicle
- Personal liability
- Personal umbrella
- Wealth protection
- Valuable article protection
Any of these coverage options can be customized to fit the specific needs of the clients.
Kilpatrick Insurance personal auto insurance includes both personal injury coverage and property damage customized to meet the specific laws of the state the policy will be carried in. If there is a lien holder on the client’s vehicle, additional coverage may be required through comprehensive coverage. Kilpatrick offers this type of coverage as well and agents can advise clients about what coverage is needed.
Watercraft and recreational vehicle coverage are for the fun things in life. However, if insurance is not provided for these vehicles, the consequences can be costly. Kilpatrick Insurance agents can write a plan that specifically covers any type of recreational vehicle or watercraft. They also write policies for home and condominium owners that protect both the dwelling itself and the contents of the home.
Personal liability, personal umbrella, wealth protection, and valuable article coverage are provided by Kilpatrick for those who have assets to protect. If a lawsuit is filed against you due to an injury you caused or took place on your property, the individual filing the lawsuit can go after your assets. Protecting the assets you worked hard for is important.
Kilpatrick Insurance Commercial Products
Kilpatrick Insurance Commercial plans are available to provide:
- Commercial property coverage
- Business auto
- Workers compensation
- Umbrella liability
- General liability
- Directors and officers liability
- Inland marine
- Commercial umbrella
- Crime and bonds
- Professional and fiduciary liability
- Employment practices liability
These are all insurance coverage options that are approved by the states Kilpatrick is licensed in.
Commercial insurance is not only critical to protecting the assets and personnel of a company, but is statutory in almost every state. This means that by law, companies must carry commercial insurance on the businesses. Some of the coverage options from Kilpatrick meet the legal requirements while other meet the practical requirements of growing companies.
Not all businesses need all the types of coverage offered by Kilpatrick Insurance. Agents know this so they work one on one with business owners to provide the best coverage available. While some insurance companies try to over insure their clients, Kilpatrick Insurance agents strive to only recommend the insurance that is needed by the client.
Kilpatrick Insurance Claims
Kilpatrick Insurance claim service is average at best and does not meet some of the practical needs of customers. For example, claims can only be filed directly with the company during regular business hours. This means that claims that need to be filed at night, on the weekend, or on a holiday cannot be filed directly with the company.
In addition, there is no way to file a claim online. Many people appreciate the convenience of an online process that allows you the opportunity to file the claim from you home any time of day. The opportunity to fax a claim is available, but if it is not during regular business hours, the claim will not be processed until the next business day.
In the event of urgent claims or claims that must be filed when Kilpatrick Insurance is not open, the company provides toll free numbers to their affiliates so that clients can speak to someone directly. Those affiliates are:
- Chubb Group
- National Lloyds
- Texas Fair Plan