Risk is a Reality. Preparation is a Choice.
Simple, transparent, and competitive insurance designed for your real needs.
Timeliness of renewals
Clarity of communication
Coverage adequacy
Choose the right insurance for you
This is more than a policy. It’s a personalized protection, tailored to your needs by a team that genuinely cares.
Emblem is your strategic guide in a world of risk.
Deep understanding that brings reassurance. We’re pathfinders in the insurance world, guided by deep industry knowledge, to create clearer, more effective solutions. Our proactive approach ensures you always feel secure and fully supported.
Stronger together. Our promise is partnership.
24/7 Rapid Support
When issues arise, rely on our quick resolutions to restore your calm and continuity.
100% Tailored Protection
Secure the exact coverage your business needs. Nothing more, nothing less. Just a perfect, competitive fit.
End-to-End Transparency
No surprises, no hidden clauses. Just honest guidance and clear policies so you always feel in control.
Confident Choices at the Right Time
Leverage our specialized risk-management expertise to make smarter decisions and stay ahead of industry risks.
Real People. Real Protection.
“Finally, an insurance team that truly understands the trucking world. They tailored the perfect policy for my fleet and gave me total peace of mind.”
Michael Turner
Fleet Owner
“When we had an incident, the Emblem team responded immediately. Their process was fast, clear, and handled with genuine care. I couldn’t ask for better support.”
Jessica Lewin
Business Manager
“The Emblem team made the entire process so simple. They listened to our needs and built a policy that fits us perfectly, without any unnecessary extras.”
David Gómez
Small Business Owner
Backed by trusted partners.
Growing together with a shared vision
The future of protection is here. Emblem has united with MPR-Fintra to bring you the next level of service and innovation. This partnership expands our capabilities, ensuring we continue to lead in providing world-class insurance solutions.
FAQs
What type of insurance does my business need?
The right coverage depends on your industry, size, and specific risks. However, most businesses start with a foundation of General Liability, Commercial Property, and Commercial Auto insurance. For a personalized recommendation based on your unique needs, it’s best to speak with one of our expert brokers.
How can I reduce my insurance costs?
There are several smart ways to lower your premium without sacrificing protection. Consider bundling policies with a Business Owner’s Policy (BOP), choosing a higher deductible that you are comfortable with, and implementing strong risk management practices. We can help you explore all available discounts.
How do deductibles work?
A deductible is the amount you pay out-of-pocket for a claim before your insurance coverage begins. The key relationship to remember is:
- Higher Deductible = Lower monthly premium.
- Lower Deductible = Higher monthly premium.
Choosing the right one depends on your business’s cash flow and risk tolerance.
What happens if I need to file a claim?
Our goal is to make the claims process as smooth and stress-free as possible. It typically involves three main phases:
- Initial Report: You notify us about the incident with the key details.
- Claim Review: We assign an adjuster to investigate, review documentation, and assess the situation.
- Resolution: We determine if the claim is covered and issue a settlement or payment.
Your dedicated agent will guide you every step of the way.
How can I reduce risks in my business?
Proactively managing risk is key to protecting your business and keeping costs down. We recommend implementing regular safety training for employees, scheduling routine maintenance for your property and equipment, and conducting annual risk assessments to identify new potential hazards.
Will I have a dedicated agent for my account?
Yes. At Emblem, we believe in personal, consistent service. Your account will be handled by a dedicated commercial insurance broker who will be your primary point of contact for quotes, renewals, claims, and any questions you may have along the way.
What documentation is needed to file a claim?
While specific needs can vary by claim, having the following documents ready can significantly speed up the process:
- An incident report detailing what, where, and when it happened
- Photos or videos of any damage
- Police or fire reports, if applicable
- Proof of ownership or value (e.g., receipts, invoices, or inventory lists)