Brethren Mutual Insurance Co 149 North Edgewood Drive, Hagerstown, MD 21740

"Says open at 8 am, it was not to report and an accident. Update: the adjuster was helpful, apologized for the lack of accurate hours posted and in the end was easy to work with."

"From my experience with Brethren Mutual and from reviewing many of the other reviews I have concluded that they may be better for personal insurance but stay away from them for commercial business insurance. They are inconsiderate and will not work with you. I was with them for our business insurance for 5 years. In the first 4 years we had no claims. In the 5th year we had 2 building property claims. One was a pipe break in the winter and the second was water/sewage damage. These claims drug out and they had some issues with the adjusters that they chose. I had to wait way too long for the payment on the pipe break claim. I had to pay the invoices for the repairs out of our funds and wait on the insurance funds. I guess they are allowed to pay late but we can not. Our business has seasonal traits based on the local college with slower times in the summer. We were on a payment plan and some our our payments arrived later than due but our coverage was paid in advance past the due dates of payment. We always paid and included the late fees that they charge. After the two claims that were close together they decided to non renew us for the next year. I have always been a loyal person and kept them on as the insurance carrier when we purchased the business. Basically they are more worried about the dollars and not about the clients. I realize that business are meant to make money. They made money off of us for the first 4 years. We have paid all amounts that are due (yes some payments were late) and complied with every premium increase each year that we have been with them. If I could give them a zero stars I would but it forces me to give at least one star. They are good with you when you have no claims but once you have a claims you are out. If you are looking for commercial business insurance look elsewhere. I have rarely written a review on anything but this has me so upset I needed to speak my thoughts in hopes of helping others."

"Avoid!!!! A church bus that has this insurance hit my parked car ( so I was not at fault ) and have had nothing but the run around with these guys. It has now been over a week and still have not had their claim company come look at my car. After I called multiple times asking what’s taking so long the guy laughed and said the claim people must have called the other guy. I’m glad to know me being without a vehicle is funny to them. They then sent my claim out to Claim Solutions In Kansas ( I live in PA ) and was told they now have to send my claim info to the appraiser and have to wait even longer. I have kids, I have appointments they and I have to go to, I am now losing money having to pay for rides to get to places. They are in no hurry. Just go with someone else!"

"We have had our business insurance through Brethren Mutual for a little over 3 years now. I never had 1 issue with them, and any time we need a certificate, they're super fast with service. I'm definitely a satisfied customer."

"Take your commercial insurance needs elsewhere. Our experience with Brethren Mutual has been nothing short of frustrating and disappointing. Billing department unwilling/unable to assist. Zero flexibility. After our insurance premium nearly doubled overnight, which was a shock to us. The billing department was unwilling to work with us, and demanded their payment within two weeks. Our agent assured us that we would not be charged any late fees, but unfortunately, we were charged anyway. When we tried to work with the billing department to resolve the issue, they were inflexible and unhelpful. We decided to take our business elsewhere, and after paying for the month of January & February in full, they charged us a cancellation fee. Furthermore, we would not recommend Brethren Mutual Insurance for a commercial policy, particularly for young small family-run businesses (who provides 7-10 part time jobs and has supported over a dozen local non-profits in 2023 so far). It is clear that they only care about making money, not about their customers' well-being. They have shown no interest in helping us navigate our insurance policy and have been unresponsive to our inquiries."