About Pearl InsurancePearl Insurance, one of the Pearl Companies, is a top-50 U.S. insurance broker specializing in liability insurance for accountants, automotive businesses, behavioral and allied health professionals, lawyers, and real estate professionals.Founded in 1954, we believe that people have a basic human need to live and work with certainty. Through exceptional customer service and tailored liability products, we help business professionals protect what's truly important.Accountants Professional Liability Insurance Starting at $25 Per MonthWe know money is tight for small businesses. That's why we have accountants professional liability insurance plans starting at just $25 per month for qualifying firms. Our Accountants Advantage program is recognized by 4 state CPA societies as a preferred insurance provider. We offer personalized service, affordable endorsements (including cyber), and quality risk management materials. Plus, you can receive your coverage within 48–72 hours of a completed application. Visit our website for an instant quote and to apply today.Real Estate E&O Insurance Starting at $33 Per MonthWe offer Real Estate Errors & Omissions (E&O) Insurance that’s designed by and for real estate professionals—not something generic that’s been modified, pieced together, and missing what you need. Policies start at just $33 per month. PLUS, we offer an affordable, enhanced cyber endorsement, unique agent-owned coverage, $0 of out-of-pocket expenses with qualifying claims, and more. All backed by a company with 40+ years of experience insuring real estate professionals. Visit our website for an instant quote and to apply today.Custom Garage Liability Insurance for Automotive BusinessesWe know your needs as an automotive business are unique. That's why we offer custom garage liability insurance through our AutoShield Plus program. With access to 6+ highly rated carrier partners, 20+ optional coverages, and quote comparisons, you'll know you're protected with the best, most competitively priced coverage. Visit our website for a no-obligation quote today.Lawyers Professional Liability Insurance from Names You TrustOur Lawyers Protection Plus program offers lawyers professional liability insurance from some of the oldest and most respected carriers and underwriters in the business—the top 30 to be exact. With our carriers' help, we've tailored our program to your specific needs as a lawyer and have spent years developing relationships that will work to your advantage when it's most important. Visit our website for a no-obligation quote today.Malpractice Liability Insurance for Behavioral & Allied Health ProfessionalsNeed malpractice insurance for your professional business? Get covered in less than 3 minutes with Pearl Malpractice Insurance tailored to your behavioral or allied health business. Coverage is affordable—you can get insurance for as low as $20 per month. Plus, you'll receive your certificate of insurance instantly, so you can get back to focusing on your clients. Visit our website for an instant quote and to apply today.
Written by the business, not verified by us.Pearl Insurance (pearlinsurance.com) has a 4.8 out of 5 rating on OK.one, based on 102 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 96% rating it 4 stars or higher; The business has replied to 100% of negative reviews; Reviews mostly discuss Customer service, Price. Last updated 2026-08-29.
Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the helpful, professional, and knowledgeable staff for guiding them smoothly and very patiently through every step of the insurance process. Consumers also deeply appreciate the great pricing, highly affordable rates, and consistently prompt, clear responses received when setting up their policies. Many individuals highlight that agents are extremely polite, wonderfully easy to work with, and always available to answer all detailed questions thoroughly. However, some people mentioned occasional noticeable delays in communication, slow email replies, and unexpected upward adjustments made to their initial insurance quotes.
Auto-generated from all reviews of this business. For reference only.Agent Lori Plumer was a joy to work with. She was professional, personable, prompt. She delivered on all of her promises quickly and made the process painless.
Barbara—Thank you for trusting us with your coverage. We are glad you’ve had a great experience! We look forward to protecting you for years to come.
Steve—Thank you for trusting us with your coverage. We are glad you’ve had a great experience! We look forward to protecting you for years to come.
Thank you so much for sharing your feedback. We’re happy to hear that our team provided you with excellent service. We look forward to continuing to serve you!
I recommend it 100%, it was easy to navigate the system and get my quote instantly, super
Hi Iriela—We truly appreciate your kind words! It’s wonderful to know you had such a good experience with us. We look forward to continuing to support you!
Communication is slow at best. Emails take days to answer. And when you purchase a policy or renew a policy, it takes several days to get any response to know if you are covered. Communication is key and they have fallen short with this transaction.
Thank you so much for your feedback! We appreciate your business and hope to hear from you again soon.
Very informative and not pushy and patient while decisions are made. Seems to be very affordable.
Thank you so much for your feedback, Cindy! We appreciate your business and hope to hear from you again soon.
Carrie Morgan, the Pearl representative that assisted us, did a fantastic job responding quickly, answering our questions and helping to guide us through the entire process.
Hi Dave—Thank you so much for sharing your feedback. We’re happy to hear that our team provided you with excellent service. We look forward to continuing to serve you!
Phil was a pleasure to deal with and followed up from a conversation from last year. The only negative issue is that the original quote was revised upward because the underwriter information was entered incorrectly. The amount was not significant and I agreed to the change. Other than that, the quote was much less than quotes I received from local insurers.
Thank you for trusting us with your coverage. We are glad you’ve had a great experience! We look forward to protecting you for years to come.
Very quick to respond and answered all the questions I had. I would highly recommend.
Hi Erin—Thank you so much for sharing your feedback. We’re happy to hear that our team provided you with excellent service. We look forward to continuing to serve you!
Stephanie Bates was WONDERFUL to work with!!
Hi Diane —Thank you so much for sharing your feedback. We’re happy to hear that our team provided you with excellent service. We look forward to continuing to serve you!
Terrible follow up. Slow on updating me new business name on policy
Byrum– Thank you for your feedback. A one-star experience is not what we expect for our customers. Someone from our customer service team will reach out to you to help make this right.
Stephanie was great to work with
Hi Sally—We truly appreciate your kind words! It’s wonderful to know you had such a good experience with us. We look forward to continuing to support you!
So far so good, great pricing with a quick response.
Hi Shaleen—Thank you so much for sharing your feedback. We’re happy to hear that our team provided you with excellent service. We look forward to continuing to serve you!
Always great to work with, their representatives are knowledgeable and helpful...they don't over sell the product but make sure you have adequate coverage. Highly recommend them.
Hi Tammy—thank you for the positive review and your continued trust! We’re honored to support you.
Thank you so much for sharing your feedback. We’re happy to hear that our team provided you with excellent service. We look forward to continuing to serve you!
pearl representative were every responsive slightly better rate than HMS but HMS warned me to watch out for the renewal we will see what happens next year
Hi Enoch—we’re so glad to hear you had a great experience! We’re grateful for your business and look forward to continuing to serve you.
Thanks again for choosing Pearl! We’re so happy your experience was a good one and hope to continue exceeding your expectations.
Hi James—Thank you so much for sharing your feedback. We’re happy to hear that our team provided you with excellent service. We look forward to continuing to serve you!
It was off to a bit of a rough start but Pearls Insurance ended up being the better company to do business with.
Thank you so much for your feedback, David! We appreciate your business and hope to hear from you again soon.
Phillip Angelico was great to work with and on top of everything. Pearl was able to save us money on our coverage versus our old carrier. I deducted a star because the application process is pretty arduous. That said I suspect it's the same pretty much everywhere.
Douglas—Thank you for trusting us with your coverage. We are glad you’ve had a great experience! We look forward to protecting you for years to come.
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