When an unexpected storm with tornado-force winds blew through a small
Pennsylvania town last year, it destroyed a large piece of roof on a
warehouse owned by one of our commercial package insurance clients with
property coverage. Luckily, no one was injured, but because a
significant portion of the company's inventory was exposed to the
elements, roof repair and product protection were quickly needed - and
The PMA Insurance Group responded.
While this example is hardly a wide-scale
natural disaster, it illustrates the point that smaller, unexpected
crises can arise at any moment to produce substantial consequences. If
you experienced a similar situation, would your insurance carrier be
readily accessible? Would it react quickly? Would it meet your
expectations regarding the loss? An insurance contract is a highly
intangible product and is only as effective as the protection and
services it delivers when you need them most.
An emergency management plan, as described in our cover story, addresses
these questions, and more, before a crisis occurs so you can respond
much faster when one does. But there is another key component to a
comprehensive emergency management plan that's just as essential as
planning ahead: a well-designed property insurance program.
Did you know that PMA has the resources to
underwrite commercial multi-peril insurance? For over 90 years,
customers have relied on PMA to properly protect their most important
assets - employees - through superior workers' compensation products and
services. Our commercial multi-peril capabilities enable us to do the
same for your remaining assets, including your buildings, business
personal property and vehicle fleets. Our dedicated commercial
multi-peril and automobile underwriting specialists can customize
solutions specific to your business. Over the last year we've
continually enhanced our core property programs to provide comprehensive
coverage that keeps pace with today's rapidly changing exposures - like
our ability to tailor Business Income with Extra Expense coverage
individualized for your business. Proper Business Income coverage can be
one of the most critical factors in the recovery and survival of your
business following a significant crisis.
If there's a disaster, we will be your
partner during the rebuilding and recovery process. Our approach to
property claims is as comprehensive and effective as our approach to
workers' compensation claims. And in the case of a property emergency -
such as a storm removing your roof - we're
accessible 24 hours a day to help you quickly begin picking up the
pieces. That's PMA peace of mind.
Beyond the Coverage
PMA property coverages also come with the
expert risk control services and claims management you've come to expect
with our workers' compensation programs - only tailor-made for property
solutions. We can provide to you the following risk control services
based on your specific business needs:
-
Emergency Action Planning Assistance
-
Disaster Recovery Planning Assistance
-
Fire Protection Plan Reviews for New
Construction, Renovations or Systems in Place
-
Fire Protection Standards Consulting
-
Sprinkler System, Alarm System, Fire Pump
and Water Supply Analysis
-
Special Fire Extinguishing System Evaluation
-
Impairment Program Assistance
-
Fire Prevention and Mitigation Consulting
-
Life Safety Planning and Program Review
Assistance
|