Hunter NelsonOwner of Nelson Insurance Agency

Insurance Companies to AVOID A Nightmare Scenario

12 Sept 2026 · 1 min

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In this brief monologue, Hunter Nelson warns viewers about a class of insurance companies that are typically run by only a few people, making it extremely difficult to reach them by phone. He highlights that claims and policy services are processed very slowly, and these insurers rarely achieve an A‑rating because they lack sufficient capital and are unwilling to adhere to strict underwriting guidelines. Consequently, they are prone to large losses, creating a “nightmare” experience for policyholders. Nelson explicitly advises people to stay away from such insurers rather than consider using them.

Usually, or I shouldn't say usually, I see a lot of guys who have got a couple people running it. It's really tough to get people on the phone. Claims take forever. Policy service takes forever. They're almost never rated because they don't have enough money to go get rating. And if you go get rated, now you have to follow underwriting guidelines and they don't want to do that. And so they're almost never going to be A-rated. You're almost always going to lose loads. It's a nightmare. I do not tell people to go here. I tell people to stay away from them.