EMC Insurance Companies Review 2025

Trusted Choice's EMC Insurance Companies Score

4.5 Stars

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We award EMC Insurance Companies a final rating of 4.5 out of 5 stars. To begin with, the carrier now has well over a century of experience under its belt in the insurance industry. EMC has also received excellent ratings through both AM Best and the Better Business Bureau (BBB) and continues to demonstrate solid financial strength. 

Coverage is available in most states across the U.S. EMC’s official website is modern, easy to browse, and provides customers with 24/7 claims reporting services. Customers who have purchased insurance through EMC report low premium rates and high-quality coverage. We also love that the carrier works with a massive team of independent insurance agents to help get customers the best coverage for their needs at the best possible price. 

EMC Insurance Companies was founded in 1911. The carrier ranks among the top 60 property and casualty organizations in the U.S. EMC offers a comprehensive collection of business insurance coverages for companies of all kinds, with specialty coverage options available for those in certain niches, such as printing or manufacturing. Overall, we highly recommend looking into EMC Insurance Companies to be your next trusted carrier.

EMC Insurance Companies Pros and Cons:

Pros:	Cons:
Founded in 1911	Coverage is not available nationwide
Coverage available in more than 40 states
Offers a variety of business coverages
Specializes in business insurance
“A” (excellent) rating by AM Best
“A+” (excellent) rating by Better Business Bureau
A top property and casualty organization
Affordable coverage rates
Strong financial stability
24/7 claims reporting

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

EMC Insurance Products by Type

EMC focuses on commercial and business coverages. Its products include:

EMC Business Owners Policy Insurance

EMC offers a comprehensive business owners policy (BOP) for commercial customers in many different industries. These policies provide a blend of commercial property insurance and commercial liability insurance.

Coverage types, features, and benefits:

Business liability

EMC's BOP insurance can reimburse your business for covered third-party claims of bodily injury or personal property damage. Coverage can also reimburse businesses for covered claims of advertising injuries to third parties.

Commercial property

EMC's BOP insurance can reimburse your business for loss, damage, and destruction to its commercial property, including buildings, tools, equipment, and inventory. Fire, hail, vandalism, and theft are just a few examples of covered perils.

EMC Business Owners Policy Insurance Average Prices

EMC does not provide average pricing information for its business owners policies online. Interested customers can use the official website to find an agent and request a quote. You can also work with a local independent insurance agent to find out average premiums and more information about EMC's business owners policies.

What Discounts Does EMC Offer?

EMC does not make information about its specific coverage discounts readily available. Your independent insurance agent can help you find more information on the exact discounts offered by EMC and other ways to save money through the insurance company.

EMC Insurance Companies Customer Service

EMC allows customers to file claims over the phone or online, any time of the week. The carrier also provides the following customer service options:

EMC sells insurance exclusively through a wide network of independent insurance agents. These agents can help make customer service easier for you by handling claims and other concerns.

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EMC Insurance Companies FAQs