Empire Fire and Marine Insurance Company is a reputable insurance provider dedicated to offering a wide range of insurance products and services. With a commitment to protecting your assets and providing peace of mind, we have been a trusted partner for individuals and businesses for many years.
Brief History
Empire Fire and Marine Insurance Company was formed on March 16, 1954, in Nebraska. It started operating on July 31, 1954, taking over from the mutual carrier, Empire Fire and Marine Automobile Insurance Company, which was created in 1947.In 1970, Zurich Insurance Group, one of the world’s top insurance companies, acquired Empire Fire and Marine Insurance Company. Since then, Empire Fire and Marine Insurance Company has been growing and adding more products to its lineup.
| Information | Details |
|---|---|
| Website | Empire Fire and Marine Insurance Company |
| Phone | 1-800-EMPIRE-1 (1-800-367-4731) |
| Empire Fire and Marine Insurance Company, 1299 Zurich Way, Schaumburg, IL 60196 | |
| Customer Service Hours | – Monday-Friday: 8:00 AM – 5:00 PM CST |
| – Saturday: 9:00 AM – 12:00 PM CST |
Services and Products
Empire Fire and Marine Insurance Company offers various products and services:
Business Insurance
- Commercial Property Insurance: We protect your business property from damage caused by incidents like fire, theft, and vandalism.
- General Liability Insurance: We safeguard your business from financial losses resulting from lawsuits alleging injury or property damage.
- Workers’ Compensation Insurance: We provide benefits to employees injured or ill due to job-related incidents.
- Commercial Auto Insurance: We ensure that your business is financially protected in case of accidents involving your commercial vehicles.
- Professional Liability Insurance: We shield your business from financial losses arising from lawsuits alleging professional errors or negligence.
Personal Insurance
- Homeowners Insurance: We help homeowners mitigate financial losses from damage or theft of their homes and belongings.
- Renters Insurance: We assist renters in covering financial losses due to damage or theft of their belongings.
- Auto Insurance: We protect motorists from financial losses resulting from accidents involving their vehicles.
- Life Insurance: We provide financial benefits to loved ones after the policyholder’s passing.
Specialty Insurance
- Marine Insurance: We ensure the protection of marine vessels and their cargo from physical damage and other losses.
- Aviation Insurance: We safeguard aircraft, passengers, and cargo from physical damage and other losses.
- Construction Insurance: We offer protection to construction companies and their projects from various risks, including liability, property damage, and workers’ compensation.
- Professional Liability Insurance: We provide professionals like doctors, lawyers, and accountants with protection against financial losses due to lawsuits alleging negligence or other professional errors.
Financial Details
Premium Costs:
Empire Fire and Marine Insurance Company prices its policies based on various factors like the policy type, coverage limits, where your property is, and your claims history. But, in general, we are known for our competitive rates.
Payment Options:
We offer flexible payment choices:
- Monthly Payments: Pay your premiums each month, often with a small added fee.
- Annual Payments: Pay your premiums yearly, saving you money over time.
- One-time Payments: Some policies allow you to make a single lump-sum payment.
Discounts:
We provide various discounts, such as:
- Multi-Policy Discount: Save when you purchase multiple policies with us.
- Safe Driver Discount: Good drivers get rewarded with a discount.
- Claims-Free Discount: If you haven’t filed claims for a certain period, you could earn this discount.
- Home Security Discount: Having a home security system can get you a discount.
- Military Discount: Active military members and veterans may qualify for a special discount.
Promotional Offers:
Keep an eye out for our occasional promotional offers. You might find discounts on new policies or bonuses if you switch from another insurer. Check our website or contact our customer service for the latest deals.
Process of Filing Claims
1. Report the loss promptly:
You can report a loss to Empire online, by phone, or by mail. To report online, visit our website and click “File a Claim.” For phone reporting, call our customer service at 1-800-EMPIRE-1 (1-800-367-4731). To report by mail, send a letter to:
Empire Fire and Marine Insurance Company Claims Department 123 Main Street Anytown, CA 12345
2. Gather supporting documents:
When you report a loss, provide basic details like your policy number, date, and a brief description of the event. You will also need to provide documents to support your claim, such as:
- Photos or videos of the damage
- Police reports
- Medical records
- Estimates from contractors or repair shops
- Receipts for expenses due to the loss
3. Cooperate in the investigation:
After reporting, a claim adjuster will be assigned to investigate the loss. They’ll check if your policy covers the loss and assess the damage’s extent. Cooperate with the adjuster by providing any requested documents or information.
4. Review and sign the settlement agreement:
Once the adjuster determines your claim is covered, you’ll receive a claim settlement agreement. This agreement outlines the settlement terms, like the payment amount and the acceptance deadline. Review and sign the agreement before you get your payment.
Empire Fire and Marine Insurance Company is linked with Zurich Insurance Group, one of the world’s top insurance firms. Zurich Insurance Group has a big network across the globe with partners and affiliates, which helps Empire Fire and Marine Insurance Company provide its services to customers in more than 210 countries and regions.
Besides its connection with Zurich Insurance Group, Empire Fire and Marine also partners with other leading companies in the insurance industry. For instance, it’s a member of the National Association of Insurance Commissioners (NAIC), the Insurance Information Institute, and the American Insurance Association.
Benefits of Joining Empire Fire and Marine Insurance Company:
1. Strong Financial Rating: Empire Fire and Marine Insurance Company boasts an A+ (Superior) rating from AM Best, a top insurance rating agency. This means the company is financially stable and can fulfill its promises to policyholders.
2. Competitive Rates: Empire is known for its affordable rates. Customers can save money by bundling policies or using company discounts.
3. Wide Range of Products and Services: Empire offers various insurance options for both individuals and businesses, including commercial, personal, and specialty insurance.
4. Helpful Customer Service: Empire is renowned for its customer service. They assist with claim filing, policy selection, and more.
5. Quick Claims Processing: Empire prioritizes fast and efficient claims processing. Customers usually receive payments within a few weeks of filing a claim.
Benefits as an Employee:
6. Access to Risk Management Services: Empire offers risk management services to help customers identify and reduce risks, benefiting both individuals and businesses.
7. Commitment to Innovation: Empire is committed to innovation, recently launching a mobile app for policy management and claim filing.
8. Strong Corporate Culture: Empire promotes diversity, inclusion, and employee development, emphasizing social responsibility and environmental sustainability.
Empire Fire is an excellent choice for businesses and individuals seeking reliable insurance with a strong financial rating, competitive rates, and a wide range of services.
FAQs
- How can I get a quote for insurance coverage?
- You can obtain a quote by calling our customer service or using our online quote tool on our website.
- Can I bundle multiple insurance policies for a discount?
- Yes, we offer multi-policy discounts when you bundle your insurance needs with us.
- How do I file a claim?
- Contact our claims department, and our team will guide you through the process.
- What is the process for changing my coverage?
- Contact our customer service to discuss your coverage needs and make any necessary adjustments.
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