Ironshore Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Ironshore Insurance Score
2.75 Stars
We award Ironshore insurance company a final rating of 2.75 out of 5 stars. The insurance company is fairly new to the market, with under 20 years of experience. While Ironshore has received a high rating through AM Best, the carrier is not rated or accredited by the Better Business Bureau (BBB), which harms its chances of catering to many prospective customers who review these ratings.
Ironshore does provide comprehensive insurance packages for many different niche commercial lines, but not all coverages are available nationwide. However, the extreme lack of customer feedback virtually anywhere on the web except on the carrier’s official website is a bit alarming. It’s impossible to gauge whether or not customers are satisfied with their experience with the insurance company without visible feedback from an unbiased source.
Ironshore, a Liberty Mutual company, was founded in 2006. The company was created to provide comprehensive insurance for niche commercial lines, such as construction, health care, and more. The carrier remains dedicated to the wholesale market today. However, Ironshore's availability, coverage options, and user-friendliness pale in comparison to those of its parent company.
We also dislike that the carrier’s official website doesn’t detail its claims process or list a claims response time frame promise for its customers. That’s why, overall, we suggest doing further research with the help of your independent insurance agent before selecting Ironshore as your next trusted insurance company. We do, however, strongly recommend looking into coverage from Liberty Mutual.
Ironshore Pros and Cons:
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Ironshore Insurance Products by Type
Ironshore offers several types of commercial and specialty coverages. The carrier's insurance products include:
Business Insurance:
- Environmental liability insurance
- Healthcare insurance
- Management liability insurance
- Professional liability insurance
- Builders risk insurance
- Specialty casualty insurance
- Commercial umbrella insurance
- Commercial general liability insurance
- Construction insurance
- Railroad solutions insurance
- Fidelity and crime insurance
- Terrorism insurance
- Commercial property insurance
- Cyber liability insurance
Ironshore Professional Liability Insurance
Ironshore's professional liability insurance policies are available for many different kinds of businesses. These policies can reimburse businesses for costs associated with claims of administrative errors, poor performance, incorrect advice, and more.
Specialty professional liability products offered by Ironshore include lawyers professional liability and designers and contractors professional liability, among others. A couple of additional coverage features are outlined below.
Coverage types, features, and benefits:
Cyber liability
Ironshore's professional liability insurance can be designed to come with cyber liability coverage, which can reimburse businesses for losses related to ransomware, malware, data breaches, social engineering, and more.
Technology errors and omissions
Ironshore customers can add technology errors and omissions coverage to their professional liability insurance policies. This coverage can reimburse businesses for losses related to the unintentional breach of contract, copyright infringement, privacy and network security liability, media liability, and much more.
Ironshore Professional Liability Insurance Average Prices
Ironshore does not make information about its average professional liability insurance premiums readily available. The cost of your policy can depend on many different factors, including your business's size, location, and industry.
An independent insurance agent can help you obtain quotes from Ironshore. You can also use our business insurance calculator to get an estimate for how much different types of business insurance might cost you.
What Discounts Does Ironshore Offer?
While Ironshore does not make information about its specific discounts readily available, several modern insurance companies offer common discounts on competitive coverage types. These discounts include:
- Proximity to fire station discount: Offered to commercial property insurance customers whose offices are located close to a fire station.
- Sprinkler system discount: Offered to a variety of business insurance customers who have sprinkler systems installed in their places of work to reduce fire risk.
- Safe premises discount: Offered to a variety of business insurance and commercial liability insurance customers who provide a safe work environment for their employees and safe premises for visitors and customers.
- Product success track record discount: Offered to commercial liability insurance customers who can provide a track record of product success.
- Armed car service discount: Offered to crime insurance customers who use an armed car service financial carrier vs. a regular employee or staff member.
Your independent insurance agent can help you find more information on exact discounts offered by Ironshore and other ways to save money through the insurance company, helping you to find the coverage you need at the rate you deserve.
Ironshore Customer Service
Ironshore allows customers to report claims via email at any time. The carrier also provides the following customer service options:
- Phone
- Customer service phone department hours are not specified.
| Days | Hours (All Timezones) | ||
| Monday-Friday | NOT SPECIFIED | ||
| Saturday-Sunday | NOT SPECIFIED |
The best way to ensure a smooth customer service experience is to work with an independent insurance agent. These agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.
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Ironshore Insurance FAQs
Ironshore does not list an official claims response time frame promise on its website. Customers can file claims at any time by email.
Ironshore allows customers to file claims at any time by email. Its customer service phone department does not publish its specific hours. The carrier also has a social media presence on LinkedIn.
Ironshore allows its customers to file claims anytime through email. However, the official website does not list any information about its claims process, other than how to file.
Ironshore’s official website leaves a bit to be desired. Certain pertinent details appear to be missing, such as an official outline of a claims process or a claims response time frame promise. The carrier also appears to have a limited social media presence on just one platform. Compared to its parent company, Liberty Mutual, Ironshore has a long way to go in terms of user-friendliness.
Ironshore offers several types of coverage for specialty niches, one of which is construction insurance. The carrier offers the following coverages in its construction insurance packages:
- Contractors environmental legal liability
- Designers and contractors professional liability
- Casualty construction coverage
- Primary commercial contractors and commercial subcontractors coverage
- Umbrella/excess liability insurance for commercial construction risks
- Architects and engineers and construction professional liability
- Builders risk coverage
Your independent insurance agent can help you find out more about Ironshore’s construction insurance policies, as well as its many other products.
Ironshore is among the younger carriers around in the insurance industry today, but it offers a variety of coverage options for niche businesses, which is an important catalog to have available. The carrier is highly rated for its financial strength through AM Best. However, the carrier has not been rated by the BBB, nor is it easy to find many customer reviews to speak to Ironshore’s customer service.
The insurance company offers comprehensive insurance packages nationwide, which is certainly an advantage. However, without feedback from customers or a BBB rating, it’s hard to pinpoint for sure if Ironshore should be called a good insurance company.
Ironshore's insurance products may be right for business owners, professionals, and other commercial clients seeking various types of coverage, including commercial general liability, crime, builders risk, and more. Some products are available nationwide.
https://business.libertymutual.com/ironshore/
https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=13847
https://www.bbb.org/us/ny/new-york/profile/auto-insurance/ironshore-indemnity-inc-0121-143589