Amguard Auto Insurance Review

Amguard Insurance provides a variety of types of insurance, including auto insurance, to commercial customers across the country. A member of the Guard Insurance Group, Amguard is headquartered in Wilkes-Barre, PA. Other contact information follows:

Additionally, Amguard maintains a high A- rating with the A.M. Best Co., a ratings agency that gauges companies’ financial strength.

It also has an A+ rating with the Better Business Bureau, indicating that over the past three years, no complaints have been filed with the company.

To receive Amguard quotes or online auto insurance, use our free tool to compare premiums and service options in your area. Insurance prices are different for everyone, and you only know your price if you do the comparison yourself. Let us do it for you and save you time!  Try our FREE quote comparison tool on our homepage for FREE!!

History

Founded in 1982 by Judd and Susan Shoval, the Guard Insurance Group focuses on providing affordable insurance coverage for small to mid-sized businesses. The Shovals were commercial business agents for many years before founding the company, and they brought their expertise to the Guard Insurance Group and Amguard Insurance.

The Guard Insurance Group also consists of three other subsidiaries in addition to Amguard: Eastguard, Westguard and Norguard. While it is relatively young compared to other insurance providers, the Guard Insurance Group has significant reach across the United States. Its high A.M. Best and BBB ratings attract more businesses to its banner daily.

Management

The Chairman of the Board of the Guard Insurance Group is Avigdor Kaplan, who has been serving since 2007. Co-founder Judd Shoval is still very influential within Amguard and the Guard Insurance Group as the Vice Chairman of the Board. The President and CEO of the Guard Insurance Group is Sy Foguel.

Products

The Amguard Insurance Company provides a variety of types of insurance for small to mid-sized businesses. Available business insurance policies include:

• Worker’s Compensation Insurance
• Commercial Auto Insurance
• Business Owner’s Policy Insurance
• Umbrella/Excess Insurance

Amguard is mainly a worker’s compensation insurance provider, with coverage in the following states: AL, AZ, CA, CT, DC, DE, FL, GA, IL, IN, MA, MD, ME, MI, MS, NC, NH, NJ, NY, PA, RI, SC, TN, TX, VA, VT, and WV. Amguard offers consolidated billing and flexible pricing options, making it a popular policy for business owners.

Business auto insurance offered by Amguard is only available in three states: New Jersey, Pennsylvania and South Carolina. It is specifically targeted at inexpensive, low-weight, local vehicles most commonly used by small business owners. To qualify for Amguard business auto insurance, a vehicle must be valued at less than $75,000, must carry no more than 45,000 pounds, and must travel within a radius of under 200 miles.

Importance and Types of Business Auto Insurance

There are many different types of business auto insurance provided by Amguard, and most of them are important. For the sake of your business’ success, you need to protect against both the personal and vehicle costs of an auto accident.

Amguard business auto insurance coverage options include:

• Liability coverage
• Collision and comprehensive coverage
• Uninsured/underinsured motorist coverage

Liability Coverage

The two categories of liability coverage are bodily injury and property damage. Coverage is usually indicated by two numbers separated by a forward slash. The first number represents bodily injury liability, and is the dollar amount up to which you will be compensated for hospital and doctor’s bills, lost wages and pain/suffering resulting from an auto accident determined to be your fault. The second number represents property damage liability, and it covers any damages to personal property up to the dollar amount indicated in the policy.

Collision insurance covers damages to your auto if you hit an immobile object such as a parked vehicle, signpost or highway divider. Comprehensive coverage is for all non auto accident related damages that might happen to your car such as fire or arson, flooding, hailstorms, wind, theft, vandalism or hitting an animal.

Uninsured/underinsured motorist coverage protects you from drivers who do not have cheap auto insurance. If an accident is deemed to be an uninsured motorist’s fault and they don’t have the insurance funds to pay for your bills, this coverage option will pay for your damages.  Start saving BIG with our FREE quote comparison tool on out website simply by entering you ZIP code!!

In the event of an auto accident, Amguard business auto insurance also covers:

• Personal injury protection
• Other medical payments
• Rental and travel expenses
• Loss of earnings
• Emergency road service
• Death, dismemberment and loss of sight

Conclusion

Amguard auto insurance is just one of many different policies available to you in your area. If you’re interested in looking at all the different choices, compare insurance policies with our useful tool! You can ensure that you get the best possible rate for the best possible policy. Insurance can cost thousands of dollars a year, and shopping around is vital to get the best deals. Try out our free comparison tool today!