American Professionals Car Insurance Review [2020]

American Professionals car insurance is not available because the company specializes in business liability coverage. Use our free tool below to compare car insurance rates online.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 13, 2021

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Company Details
Address: 10200 Richmond Avenue, Suite 265
City: Houston
State: TX
ZIP Code: 77042-4283
Phone Number: 713-952-9555
Year Founded: 1959
Company Rating 0 (0 reviews)

In a nutshell...

  • American Professionals began operating as an insurance company in 1959
  • As an insurance provider specializing in ‘homeowners multiple perils’, it was headquartered in North Carolina and was authorized to sell insurance in twenty three states
  • When shopping for auto insurance, make sure to compare rates and get at least three different quotes

American Professionals insurance company began operating in 1959. As an insurance provider specializing in Homeowners Multiple Peril, it was headquartered in North Carolina and was authorized to sell insurance in 23 states.

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What does American Professionals offer as a company?

At one time, American Professionals Insurance Co. became part of Highlands Insurance Group, but it never sold car insurance. Clients looking for those sorts of auto coverage features will have to look elsewhere.

Unrelated to American Professionals insurance company, an insurance broker by the name of North American Professional Liability Insurance Agency opened its doors in 1998.

As a personal liability broker, North American Professional Liability Insurance Agency does not sell car insurance either.

This is why it’s important to spend even a small period of time doing research and looking into what sort of policy you can get with a specific company. You don’t want to be left disappointed when you’ve put in an application only to be denied because that provider doesn’t offer the coverage benefits you’re looking for. This doesn’t mean that they wouldn’t offer exceptional service – it’s just not what you were looking for.

In addition to American Professionals insurance company and Highlands Insurance, other companies that belonged to Highlands Insurance Group included State Capital Insurance, and Statesman Insurance.

The latter two companies handled:

  • Property and casualty insurance
  • Commercial car insurance
  • Personal car insurance

They also offered commercial multi-peril policies, general liability, homeowners insurance, inland marine, and workers’ compensation.

In 1998, Highlands Insurance Group had more than $100 million in assets, making it one of the largest insurance groups at the time. However, due to a large volume of asbestos claims, Highlands Insurance Group filed for bankruptcy in 2002.

Unrelated to Highlands Insurance Group, North American Professional Liability Insurance Agency began its business in 1998 but it did not become incorporated until 2004.

Headquartered in Massachusetts, North American Professional Liability Insurance Agency is accredited by the Better Business Bureau with an A+ rating.

In addition to selling professional liability insurance, they provide errors and omissions insurance nationwide and are still operating today.

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How can you find proper car insurance?

Even if the American Professional agency isn’t a good fit for you, take that as a sign you should keep looking. Looking for an insurance policy can be a little overwhelming, especially because there are so many companies out there, as you can see from above. However, competitive policies aside, you know what you need, and it’s best to stick to that. You can find a company that offers all sorts of discounts, but make sure that they’re giving you the protection you’re asking for.

There are a few things you should consider in the time period of your hunt. Look at customer complaints, the application process and what it entails, and what sort of program the company offers. As you may have noticed, American Professionals doesn’t offer car insurance even though they’re an insurance company; not every provider is going to offer the same practices.

You should also find out whether or not the companies you’re researching have knowledgeable customer service representative working for them. If you file a claim for damage done to your personal property, and the agent you’re working with doesn’t know what to do, this could lead to a complaint on your end, which could be damaging to the company.

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