Property
Maintaining the effectiveness of your property is essential to the continued success of your business. EMC offers a variety of services to help you recognize and reduce the risks that threaten your business.
Commercial Property Valuations
Determining the accurate reconstruction costs of a building is crucial in
protecting the value of it. EMC uses software specifically designed for this
purpose to provide you with an accurate determination of those costs.
Your property valuation begins with an on-site survey conducted by an EMC loss control representative who collects measurements, photos, diagrams and construction details of your building(s). EMC’s commercial cost estimators then evaluate each building according to its various components, such as building occupancy and construction materials used. After making regional adjustments for the cost of materials, labor rate and inflation, an accurate assessment of the reconstruction cost for your building(s) is provided.
EMC loss control representatives also have experience in developing reconstruction costs of:
- Power generation equipment
- Water towers
- Banking equipment
- Church equipment
Equipment Protection Services
Equipment Protection Insurance from EMC Insurance Companies is a smart way to protect the financial assets of your business. By implementing proven loss prevention initiatives, EMC can help you minimize losses caused by equipment breakdown — that’s even smarter.
Loss of property and equipment is more than an inconvenience to your operation. Preventing the interruption of operations, loss of production and impact on customer relations is important to your continued financial stability. The loss prevention services highlighted below may reduce these risks to your bottom line.
EMC offers policyholders the expert loss prevention services of The Hartford Steam Boiler Inspection and Insurance Company (HSB) — the world’s oldest and largest insurer of equipment, machinery and technology — to EMC customers in conjunction with equipment protection insurance.
Expertise
HSB’s engineering services have more than 140 years of experience dealing with the
histories and maintenance requirements of equipment and machinery. Today, HSB puts that
experience to work for all types of businesses — from schools to power generation
plants — combining technical expertise, industry perspective and information systems
to help you avoid losses from equipment failure and achieve the maximum return from
your equipment and processes.
- HSB’s network of inspectors and offices ensures prompt and reliable service wherever you are.
- HSB’s systems are designed for maximum efficiency to keep your operations running smoothly.
- HSB’s staff specializes in maximizing the safety, reliability and efficiency of equipment and processes.
Basic Equipment Loss Prevention Services
The following loss control services are available at no additional charge to policyholders
who have equipment protection insurance through EMC Insurance Companies.
- Loss Prevention Over the Phone — Need to request an inspection? Have a technical question? HSB’s National Inspection Hotline is available to take calls from 7 a.m. to 6 p.m. Eastern Time at 800-333-INSP (4677). Messages can be left after hours or you can fax your request to 800-298-4083. You can also request an inspection online at NSCINSP_HOTLINE@hsb.com.
- Online Information — Additional loss prevention information is available on the web at www.hsb.com. Click on Quick Links and Equipment Care for access to loss prevention, maintenance and engineering information.
- Jurisdictional Inspection Service — If your organization is located where inspections of certain equipment (such as boilers) are required by law, HSB will perform these required inspections to help you meet your legal obligations.
For more information about equipment protection insurance, contact your local independent insurance agent.
Security Consulting
The clear identification and awareness of security risks are paramount to a
sound security program. EMC’s security management professionals can assist
you by conducting everything from an organization-wide risk assessment to a
property-specific analysis. We can also review your current security
policies and procedures, develop performance specifications for new security
systems, and present security training programs to your employees.
Sprinkler System Analysis
When properly designed, installed and maintained, automatic sprinkler
systems are the most effective means of controlling building fires.
Employing state-of-the-art computer software, EMC’s engineers can analyze
the performance of your existing sprinkler system and provide installation
guidelines for new systems. We’ll even train your personnel on the proper
procedures to inspect and test the system on a regular basis.
Roof Management
EMC Insurance Companies and Benchmark, Inc. have formed a partnership to
provide roof management services to the Iowa, Kansas, Nebraska and Wisconsin
school districts EMC insures. Our goals are to enhance risk assessments, reduce
roof-related claims and provide value-added roof management services for our policyholders.
Policyholder benefits:
- Extends the service life of roofs
- Prioritizes roofing needs
- Reduces potential leak sources
- Provides complete, concise and easy-to-use information online
- Controls long-term insurance costs by decreasing losses caused by wind, hail and water leaks
- For more information about our roof management service, contact your local independent agent.
Loss Analysis Reports
A comprehensive analysis of past losses can provide you with a realistic
overview of recurring problems and trends in claims. Using this information
and a database of more than a half million claims, EMC’s loss control team
can provide detailed loss reports for your operation. In addition, we can
develop comparative loss analyses for a wide variety of industries.
Other Property Protection Services:
Our loss control specialists can assist with other property protection services such as:
- Storage of flammable liquids
- Placement of fire walls and doors
- Roof construction materials
- Fire alarms and other detection and suppression systems
