Tailored Insurance. Simple Process.
We’re here to help you understand your options and choose the right coverage with total confidence and no complications.
PersonalAuto Insurance
Drive with total confidence. Reassurance everyday.
Your personal auto policy should be simple and reliable. We’ll help you understand your options and choose the perfect coverage so you can drive knowing you’re prepared.
CommercialAuto Insurance
Keep your business moving, fully protected.
Your work vehicles face daily risks. Our coverage for accidents, liability, and physical damage and cargo protects your business from the unexpected costs of being on the road. If your business uses vehicles, our policies have you covered.
- Commercial Auto Liability
- Brokers, motor carriers and more
Business Insurance
Complete safety net for business risks.
From property damage and legal liability to cyber threats, our policies act as your financial safety net. We protect your operations and continuity, giving you the solid foundation you need to operate with confidence.
- General Liability
- Commercial Property Insurance
- Professional Liability (E & O)
- Cyber Liability Insurance
- Umbrella Insurance
- Business Owners Policy (BOP)
- Bonds (Surety & Fidelity)
- Workers’ Compensation
How claims work.Step by step
Report the claim
Simply notify us. Your dedicated agent will guide you
Gather key details
We help you gather the right information for fast resolution
Expert review
A professional adjuster fairly and efficiently reviews your claim
Clear Decision
You get a clear, transparent decision on your coverage
Resolution & Support
We help resolve your claims and guide you on the next steps
Simple claims often resolve within two weeks, while we guide you with constant communication through more complex ones.
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)