How is Philadelphia Insurance Company at paying Florida injury claims?
Philadelphia Insurance Company (PHLY) is below average at paying Florida injury claims.
This includes any type of case where someone’s carelessness caused a victim’s injury.
Commercial Multi-Peril (Liability Portion)
The 2014 FLOIR Annual report states that PHLY wrote premiums of $57,648,200 for business liability insurance. For purposes of this article, “business liability” basically means non-residential injuries.
It includes condominium “common area” accidents, apartment complex accidents and much more. In 2013, Philadelphia Indemnity Insurance Company provided business liability insurance in Florida.
They had 10% market share. This is in terms of premiums written. They still write Florida policies.
They insure twice as many commercial establishments than the #2 largest business liability insurer. Below is a list of the next 14 largest (from largest to smallest) Florida business liability insurers. It is in terms of written premiums.
- Old Dominion Insurance Company
- Westfield Insurance Company
- Federal Insurance Company
- Southern-Owners Insurance Company
- Rockhill Insurance Company
- Scottsdale Insurance Company
- Granada Insurance Company
- First Community Insurance Company
- Hartford Casualty Insurance Company
- Depositors Insurance Company (part of Allied Insurance)
- Zurich American Insurance Company
- Nationwide Insurance Company of America
- American Economy Insurance Company
- State Farm Florida Insurance Company
Other Commercial Auto Liability Insurance
Per the FLOIR 2014 Annual report, Philadelphia Indemnity Insurance Company wrote $23,270,678 in business auto liability premiums in Florida. In Florida, they had 1.8% market share.
Business vehicles are cars or trucks. A business vehicle driver’s negligence may cause an accident in Florida. If so, there is a 2% chance that it was insured with Philadelphia. I assume the same is true today.
Commercial Auto Physical Damage
Per the FLOIR 2014 Annual report, Philadelphia Indemnity Insurance Company wrote $3,986,724 in Florida commercial auto physical damage premiums. They had 1.4% market share.
Commercial Auto No-Fault (Personal Injury Protection)
The FLOIR 2014 Annual report does not list Philadelphia Indemnity Insurance Company as a top 15 insurer.
Philadelphia Insurance Company Settlements in Florida
Philadelphia paid $100,000 in a case where a driver crashed into my client. It happened in Coconut Grove, Miami-Dade County, Florida. My client suffered a lower leg (tibia) fracture. A picture is below.
Picture of our client’s lower leg fracture. Philadelphia paid $100,000 towards the settlement.
My client was a pedestrian. The negligent driver was driving a rental car. The driver’s employer bought $100,000 in bodily injury liability insurance for the rental car.
The entire case – which was also paid by 2 other insurers – settled for $325,000.
I settled another case with Philadelphia Insurance Company. I was co-counsel in that case.
Philadelphia Insurance Companies is a member of Tokio Marine Group.Tokio Marine is Japan’s oldest and leading property/casualty insurer.
Philadelphia issues casualty policies in Florida as:
- Philadelphia Financial Administration Services Llc
- Philadelphia Indemnity Insurance Company
Tokio Marine Holdings has a market cap of $30.35 Billion dollars. Tokio Marine is a property and casualty insurance company. As of May 2014, they had 33,006 employees. As of May 2014, they were the 189th largest company in the world.
Philadelphia insurance Companies insures many industries. Some of them are:
Florida Condominium Associations
Philadelphia Insurance Companies specializes in Florida condominium association insurance. They insure over 10,000 condominium associations nationwide. Given Florida’s population, I would estimate that PHLY insures 500 Florida condominium associations.
The General Liability coverage limits are $1 Million per each occurrence. PHLY will not pay an injured victim more than $1,000,000 from this coverage for an “occurrence.”
The Philadelphia insurance policy may define the word “occurrence.” The definition of the word “occurrence” may give the injured victim additional coverage.
It is important to send Philadelphia a written request for the certified policy. The victim should also request other insurance information.
PHLY offers High Umbrella/Excess Limits coverage. This is additional to the association’s General Liability policy.
PHLY lists the condominium unit owners as additional insured. A condo unit owner’s carelessness may cause someone’s injury.
PHLY may insure the condo association. If so, PHLY would cover the condominium unit owner’s negligence that occurs on the condominium property.
This is great for the victim.
Florida condominiums have common areas. Common areas include swimming pools, lobby, parking lot and garage, hallways, stairwells, tennis courts, lakes and playgrounds. They may include other areas as well. A condo association’s carelessness cause someone’s injury at a common area.
Typical condo common area accidents in Florida are:
- Slip, trip and falls at a swimming pool, hallway, parking garage, lobby
- Swimming pool accidents or drownings
- Falls at a playground
- Falling off a loose bench
- Stepping in a hole covered with grass overgrowth
- A misstep on a step down with no warning sign (e.g. exit door to parking garage, etc.)
- Tripping on a dangerous wheel stop and falling in a parking lot
In these situations, the victim can make an injury claim with PHLY. PHLY policies list the property manager as an additional insured.
Philadelphia Insurance Company insures Florida day cares.
Philadelphia Insurance Company child care center policies have abuse and molestation coverage with separate limits of liability available. It is separate and complete from the General Liability limits.
Philadelphia policies have premises liability coverage including personal injury liability. A daycare’s negligence may cause a child’s injury. The personal injury liability coverage may pay for a child’s injury.
Accidents include slips, trips, falls, drowning and playground accidents. There are many other types of accident as well.
Philadelphia Insurance offers up to $10 Million dollars in umbrella coverage.
A day care can elect to purchase Owned Business Automobile Insurance. A daycare bus or van driver’s carelessness may cause someone’s injury. If so, the daycare’s owned business auto insurance may pay the victim’s damages.
Philadelphia Insurance Company also insures:
Non-Profit Insurance & Social/Human Service
Philadelphia insures the Non-Profit sector. This includes non-profit organizations, associations, churches, ministries, hospitals and any other entity that relies on non-paid workers for operations or projects.
Philadelphia Indemnity Insurance Company offers commercial general liability and excess liability coverage. So Philadelphia’s policy may be for more than $1 Million.
A non-profit’s carelessness could cause someone’s injury. The victim may have slipped or tripped and fell. There are many other types of possible accidents.
If PHLY insures the non-profit, their will likely be enough insurance to cover the victim’s injury.
Abuse coverage is available. A child has a claim if a Florida Non-Profit employee abused a child. A Non-Profit employee may have purchased abuse coverage with Philadelphia Insurance. If so, there will be insurance to pay for the child’s damages.
Volunteers Accident Medical Insurance Program
A Non-profit’s carelessness may cause a volunteer’s injury. If so, the volunteer may make a claim for Excess Accident Medical Expense coverage. The injured volunteer can also make a personal injury claim against the Non-Profit.
An antique car driver’s carelessness may cause an accident in Florida. Philadelphia Insurance Company may insure the antique car.
If so, the Philadelphia Insurance bodily injury liability coverage limits will most likely be $100,000, $300,000 or $500,000. They may be up to $1,000,000.
Florida Golf & Country Clubs
Philadelphia Insurance Companies insures Florida Golf and Country Clubs. Their complete package policy includes general liability, liquor liability, auto and crime.
Their General Liability insurance has:
- Limits to $1 Million for each occurrence/$ 3 Million aggregate.
- Premises Liability
- Personal Injury Liability
- Liquor Liability coverage available
- Special Events coverage available
- Coverage extended to contracted professionals for additional premium.
Their automobile coverage covers owned/non-owned/hired auto. They have large excess limits available. This would cover catastrophic injury cases with large damages.
Falls at Florida Golf and Country Clubs
Many falls occur at Florida golf and country clubs. Sometimes a golf or country club’s carelessness causes these falls. If so, the club will be liable for the patron’s damages.
Learn more about injury claims against Florida golf and country clubs.
Family Entertainment Centers
Philadelphia insures Family Entertainment Centers. Indoor & outdoor go kart facilities and rock climbing walls are eligible.
Philadelphia also insures other many other Florida businesses. They include:
Auto Rentals, Business Auto, Franchised motorcycle dealerships
Schools – Private, Academic, Charter and Vocational
Amusement Parks, Animal Tracks, Boat Dealers
Bowling Allies, Fairs
Paintball Operations, Performing Arts
Apartments, Homeowners Associations, Low Income Housing
Mobile Home Park Owners
Nursing Home Vans, Resorts and Lodges
Health, Fitness and Wellness Centers
Life Coaches, Martial Arts Studios
Salons and Day Spas
Salon and day spa general liability coverage is through Fitness and Wellness Insurance, which is a member of Philadelphia Insurance Companies. Learn more about personal injury claims against spas and day salons in Florida.
YMCAs/YWCAs, Yoga Instructors, Yoga Studios
Pest Control Services, Security Services
Adult Day Care Centers
Community Centers, Group Homes, Home Health Center
Mental Health Organizations, Religious Organizations
Sleep Centers, Thrift Stores, Boy Scouts/Girls Club
Archery Ranges, Bed & Breakfasts, Camp Operators
Fishing and Hunting Lodges
Resorts and Lodges, Retail Gun Stores, RV Parks & Campgrounds
Libraries, Hospital Vans, Office Buildings
Amateur Sports, Camps and Leagues
Gymnastics, Professional Sports
Where are Philadelphia Insurance Company’s Offices Located?
Philadelphia Insurance has 13 regional offices. It has two local offices in Florida. They are in Altamonte Springs and Clearwater.
Philadelphia Insurance Company Claims Reporting for Florida Accidents
The person who is hurt should report the claim to:
Email: [email protected]
Is Philadelphia Insurance Company financially strong?
Yes. A.M. best gives them an A++ rating. Standard & Poor’s rates PHLY an “AA-” for counterpart credit and financial strength.
Which Defense Attorneys Does Philadelphia Insurance Use in South Florida?
Philadelphia uses John H. Richards and William E. Peters, Jr. of Boyd Richards Parker & Colonnelli, P.L., in Fort Lauderdale, Florida. That law firm also has offices in Miami, Tampa and West Palm Beach.
Hicks, Porter, Ebenfeld & Stein, P.A claims to represent Philadelphia Insurance Company.
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