Windsor Insurance Company

Windsor-Mount Joy Mutual Insurance Company is the parent company of the more popularly known Windsor Insurance Company which is the successor of two Pennsylvania based insurance companies that were founded in the 1840’s and merged in the year 1963. Soon, Eastern Shore Virginia insurer together with two more Pennsylvania companies merged with the the organization increasing the assets of the company.

Main Office
The corporate headquarters of Windsor-Mount Joy Mutual Insurance Company is located at 21 West Main Street, Ephrata, PA 17522. Its contact details are as follow: 800-233-0228/717-733-1983.

Company Rating
Windsor Insurance Company has been given an A rating and best insurance reports of 00978. This makes Bio West one of the committed and guaranteed insurance company that are in operation today.

Company Financial Status
Although the company is not trading in the stock market, Windsor Insurance Company has direct written premiums that amounts to $23 million and total admitted assets of $36 million according to their 2005 records.

Type of Life Insurance Handled
Windsor Insurance Company provides auto business and homeowner’s business types of insurance policies. It is currently operating in the states of Delaware, Indiana, Maryland, Massachusetts, New Jersey, North Carolina, Ohio, Pennsylvania and Virginia.

Scope of Operation
At present, Windsor Insurance Company is estimated to have approximately 200 independent agencies, five brokers and three general agents who are in operation in the above mentioned states. Its general agents focuses on automobile physical damage insurance while the remaining agent concentrates on the selling of primary policies that are related to manufactured housings. In its financial report last 2005, the company registered earnings. 55% of the company’s earnings come from homeowner’s multi peril, 12.4 % from various insurance lines, 9.7% from ocean marine, 8.6% for auto physical damage and another 8.6 % from fire, lastly 5.7% comes from allied lines. In terms of earning per state, Windsor Insurance Company gets 30% of its earning from the State of Virginia, 25% from the State of Pennsylvania and 19% from the State of Delaware.

Types of Businesses

Auto Business
The company works with auto physical damage coverages which accounts to 9% of Windsor Insurance Company income.

Homeowner’s Business
This is financial strength of the company. It provides more than half of the company’s annual income and is associated with seasonal homes and manufactured homes.

Insurance Offerings

Homeowners coverage
This is a homeowners policy which provides liability and propery coverages to the owner and occupant of the resident. The policy coverage includes personal property, additional living cost, residence as well as related private structures.

Commercial Fire
This is a monoline policy which provides protection to business properties coupled with optional coverages for additional security.

Mobile Homeowners Coverage
This policy provides protection to mobile home units and includes policy for related private structures, personal property, additional living cost and residence.

Tenant Homeowners Coverage
This type of policy extends to packaged policy which provides protection to people who rent or lease homes.

Condominium Coverage
This type of policy strictly caters to fixtures, additions and alterations of condominium units as indicated in the policy. It is a limited type of policy which covers personal liability and belongings.