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EMC Insurance Companies
EMC Insurance Companies
EMC’s success is built on the long-standing partnerships with experienced and professional independent agents who share our commitment to profitable growth and outstanding service.
As an independent insurance agent, you need a partner you can trust. One that provides you and your clients with the right products and services. One that’s focused on building a strong, long-lasting relationship. And one that’s dedicated to your success. For more than 100 years, we have proven you can Count on EMC® to be that partner.
Select the coverage below to learn more about what we offer.
Commercial General Liability Liability insurance covers business risks arising from injuries or property damage that are caused by a business’s products, completed jobs, premises or operations. EMC offers general liability, umbrella liability and employment practices liability insurance, in addition to business property, business auto, errors and omissions, crime and workers’ compensation coverage. Employment Practices Liability Employment practices liability (EPL) coverage is available by endorsement to your clients general liability, auto dealer or businessowners coverage. Our EPL coverage, designed for businesses with 250 employees or fewer, can help defend against employment discrimination, sexual harassment and wrongful termination employment claims.
General Liability has eligible classes in 16 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.
Annual premium for this product is generally in this range:
Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.
With a commercial property policy, three types of property are covered: the building, the business personal property and the personal property of others. Business Personal Property Insurance Business personal property coverage includes, but is not limited to, furniture and fixtures, machinery and equipment, stock, all other personal property owned and used in the business, labor, materials or services furnished or arranged on personal property of others, and leased personal property that an owner has a contractual responsibility to insure. Personal Property of Others Personal property of others coverage provides protection for owners who ordinarily hold property for the benefit of both parties, such as dry cleaners or processing firms. If the property being held is damaged or destroyed, protection is available, subject to policy terms. Inland Marine Insurance Businesses that use land or air transportation to move goods need inland marine insurance coverage for property that is mobile, involved in communication or transportation, or in the temporary custody of others. If those products are damaged or destroyed while in transit, the inland marine policy protects the business from financial loss. Commercial Output Program EMC’s Commercial Output Program (COP) is for medium- and large-size commercial businesses with multiple locations and the need for inland marine coverage. The COP provides broader eligibility and extended coverages for manufacturing, institutional, industrial and retail/mercantile operations, with coverage tailored to each business’s unique operations. By using a flexible rating approach designed for the size of business, EMC can offer quality coverage at reasonable rates.
Commercial Property has eligible classes in 19 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.
Annual premium for this product is generally in this range:
Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.
Commercial auto insurance can protect your client's business from financial loss due to an auto accident.
Commercial Auto has eligible classes in 19 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.
Annual premium for this product is generally in this range:
Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.
Workers' Compensation Medical bills, lost wages, penalties—those types of unforeseen expenses can be damaging to a business. For more than 110 years, EMC has offered reliable workers’ compensation insurance, protecting our policyholders from the domino effect that can occur when an employee gets ill or is injured on the job. We cover the cost of medical care, rehabilitation and lost income—and our special medical services help employees get better faster and return to the job as quickly as possible. Loss Control Solutions to Help Prevent and Manage Workplace Injuries While many other workersʼ compensation insurance companies offer fee-based services, EMC offers our loss control services to your clients at no additional cost.
Workers' Compensation has eligible classes in 18 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.
Annual premium for this product is generally in this range:
Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.
Commercial umbrella insurance provides additional liability protection that goes beyond the policy limits of general liability coverage. Without this type of commercial insurance, your clients business will have to pay out of pocket if a claim exceeds their policy limits.
Commercial Umbrella has eligible classes in 17 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.
Annual premium for this product is generally in this range:
Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.
The EMC Businessowners Policy (BOP) meets the extensive needs of many small businesses. Available for nearly 500 small business classes, we provide flexible, comprehensive protection for buildings, business personal property, business autos and liability exposures, including premises and operations and employment practices liability, as well as workers’ compensation and umbrella coverages. If your client’s business requires even more protection, we have them covered with Businessowners Extension or Expanded Extension. We also offer Cyber Suite, a robust insurance product that helps businesses and organizations respond to cyber attacks and data breaches. Policy Now, our online quoting platform, is available for businessowners policies with multiple locations and buildings for office classes, auto service, bakeries, delis, dental labs, shopping centers, mercantile and services classes. You can also add an umbrella policy for additional coverage.
Businessowners has eligible classes in 11 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.
Annual premium for this product is generally in this range:
Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.