EMC Insurance Companies Review

EMC Insurance Companies at a Glance

  • Founded in 1911
  • Coverage available in 41 states
  • Offers commercial and personal insurance
  • Offers a variety of coverages
  • Specializes in business insurance
  • “A” (excellent) rating by A.M. Best
  • “A+” (excellent) rating by Better Business Bureau
  • A top property and casualty organization
  • Affordable coverage rates
  • Strong financial stability
  • 24/7 claims reporting

EMC Pros: Extremely well-established carrier with more than a century of experience in the insurance industry. Provides a range of coverages including business insurance, umbrella insurance, life insurance, and more. Very high ratings through A.M. Best and the BBB. Offers 24/7 claims reporting. Highly accessible to customers. Strong financial stability. Customers report affordable coverage rates.

EMC Cons: Coverage not available in every state. No official claims response time frame promise.

What Types of Insurance Does EMC Offer?

EMC focuses on commercial and business coverages, but they also offer personal insurance. Their products include:

  • Commercial property insurance
  • Commercial liability insurance
  • Commercial auto insurance
  • Workers’ compensation insurance
  • Inland marine insurance
  • Umbrella insurance
  • Employment practices insurance
  • Crime insurance
  • Errors & omissions insurance
  • CyberSolutions insurance
  • Personal life insurance
  • Commercial life insurance
  • Reinsurance

This list of insurance products offered by EMC is not exhaustive. An independent insurance agent can help you find even more insurance options offered by EMC.

What to Know about EMC Insurance Companies

EMC Insurance Companies was founded in 1911, giving the carrier well over a century of experience in the insurance industry. The company ranks as one of the top 60 property and casualty organizations in the US. EMC has become well-known for its financial strength, as well as its large network of independent insurance agents across the country. A.M. Best ranks the insurance company as belonging to the $1.5-$2 billion financial strength category.

EMC has 19 office locations throughout the US, and more than 2,400 employees. The company also works with thousands of independent insurance agents to offer coverage in 41 states. EMC is able to offer its coverage solely through this network of independent insurance agents, giving customers a much more personalized experience when shopping for coverage. In 2018, the company was recognized as being a “five-star insurance carrier” by Insurance Business America, which highlighted EMC’s financial security, claims processing, reputation, commitment to the broker channel, and range of coverages sold.

Thanks to its long-standing history, wide reach, and impressive financial strength, EMC has earned a reputation as a financially stable insurance company with a strong outlook for the future. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives EMC an “A” rating, indicating the carrier is an excellent choice for insurance customers. A high rating from A.M. Best assures customers that EMC is capable of offering guaranteed, secure coverage from a trustworthy and reputable carrier.

Established in 1899, A.M. Best is one of the oldest rating companies in the world. Reviews from A.M. Best indicate an insurance company’s financial strength and creditworthiness, and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. For customers who aren’t as familiar with insurance companies’ reputations, A.M. Best’s rating system allows them to make an informed decision about who they can trust to meet their needs in the short term, and also to remain a strong, financially sound company in the long term.

What Discounts Does EMC Offer?

While EMC does not make information about their specific discounts readily available, many modern insurance carriers offer common discounts on comparable coverages. These discounts may include:

  • Safety plan discount: Offered to workers’ compensation customers who have a formal safety plan in place at the job site to protect employees. 
  • Good hygiene discount: Offered to workers’ compensation customers who enforce the practice of good hygiene among their employees, such as hand washing protocols. 
  • Safe premises discount: Offered to commercial liability insurance customers who provide safe premises for customers to visit.
  • Product success track record discount: Offered to commercial liability insurance customers who have a good track record of success with their products.
  • Safe construction discount: Offered to commercial property insurance customers whose offices were constructed with fire-resistant materials and have earned a high safe construction rating. 

Your independent insurance agent can help you find more information on exact discounts offered by EMC and other ways to save money through the insurance company, helping you to get the most bang out of your buck on coverage.

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:

  • 24/7 claims reporting via phone or online
  • Email contact options available
  • Snail mail contact options available
  • Main customer service hotline has the following hours restrictions:


Hours (CT)


Monday-Friday8 am - 4:30 pm

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

EMC Insurance Companies FAQ

What is EMC's average claim response time frame?

EMC offers 24/7 claims reporting for their customers through the official website or over the phone. However, the carrier does not have an official claims response time frame promise. The official website does state that EMC’s “goal is to handle your claim as fairly and quickly as possible, regardless of the type or size.”

What is EMC's customer service availability?

EMC offers separate phone lines for general customer inquiries and claims filing. Their claims reporting hotline is available for customers 24/7, and their toll-free customer service hotline is available during restricted hours, Monday-Friday. The carrier also has a social media presence on Facebook, Twitter, and LinkedIn, making them more accessible to customers.

What is EMC's claims process?

EMC provides two 24/7 claims filing methods for their customers. While they do not describe their actual claims process, their official website does detail EMC’s claims reporting guidelines as follows:

Claim Reporting Guidelines

The following are general guidelines for auto, property and workers’ compensation claims:

Auto Accident

  • If anyone is injured, immediately render any possible first aid assistance and call emergency services.
  • Report the accident to the police.
  • Cooperate fully with the police, but do not make any admissions about your liability. Do not sign any statements for anyone other than an authorized representative of your insurance company.
  • Exchange names, driver license numbers, addresses and insurance information with the driver(s) of the other vehicle(s).
  • Record the following information:
    • Date, time and place of accident
    • Name and address of owner of the other vehicle, if different from the driver
    • Names and addresses of passengers and witnesses
    • License plate number of the other vehicle and the witnesses’ vehicles
  • Take photos of damage to vehicles and/or property, accident scene and identification (insurance cards, license plates, etc.)
  • Promptly report the claim.

Property Claim

  • If anyone is injured, immediately render any possible first aid assistance and call emergency services.
  • Take appropriate steps to avoid further damage to the property.
  • Promptly report the claim.

Workers’ Compensation Claim

  • Promptly report the claim.
  • Make sure to file OSHA reports for all work-related fatalities within eight hours and all in-patient hospitalizations, amputations and eye losses within 24 hours after finding out about the incident(s).”

After a customer has reported a claim, they can get in touch with their independent insurance agent, call the carrier, or go on the website to check the status at any time.

Does EMC create a user-friendly experience for customers?

EMC’s official website is laid out well, and is intuitive and easy to navigate. Both prospective and current customers can easily locate the information they’re seeking. Customer service options such as online bill pay and online claims filing are available through the website as well. The carrier also has a social media presence and a mobile app for smartphone users. Overall, EMC provides a user-friendly experience for customers of all kinds.

Does EMC have good business insurance?

EMC specializes in business insurance. Their business insurance packages include the following basic coverages:

  • Commercial property insurance
  • Commercial auto insurance
  • General liability insurance
  • Workers’ compensation insurance
  • Crime insurance
  • Errors & omissions insurance

EMC also offers several policy add-on options, such as inland marine insurance and excess or umbrella liability insurance. Your independent insurance agent can help you find out more about EMC’s business insurance policies, as well as their many other products.

Is EMC a good insurance company?

EMC is a very well-established insurance company. The carrier has received high ratings through both A.M. Best and the BBB and has only had one complaint filed against them through the organization in recent years. EMC offers several different types of coverage in most states and stays connected to their customers through multiple platforms. The carrier also has solid financial strength. All in all, EMC can be recognized as a good insurance company.

EMC Insurance Companies Customer Reviews

Clearsurance
“I recently had an auto claim that went very smooth. EMC had the lowest rate for my needs. I do go through a broker who has recommended EMC also.”


Clearsurance
“Our truck was in a fire and the insurance company was very fast at processing our claim. The adjuster was out to see the damage within two days and we got a check in a couple of weeks.”


Clearsurance
“EMC has provided excellent service for more than 30 years for us. When we have bought other cars, changing over to the newer vehicle was a breeze with one phone call. They also went above the call of duty with the one accident that was reported.”


Clearsurance
“EMC has highest limits of insurance and the lowest rates. They offer several payment options including monthly. Also offer lots of discounts.”


Clearsurance
“They have always been helpful, and fast to take care of any problems. When I hit a deer on each front fender and rolled the car, they were right there to see that I was medically taken care of, and a rental car was brought to me.”


TrustedChoice.com's Final Review

We award EMC Insurance Companies a final rating of 5 out of 5 stars. To begin with, the carrier now has well over a century of experience under their belt in the insurance industry. EMC has also received excellent ratings through both A.M. Best and the BBB, and continues to demonstrate solid financial strength. Coverage is available in most states across the US, and several coverage options are offered through the carrier’s catalogue. The company provides coverage for both individuals and businesses, which makes them more appealing to many folks throughout the nation. EMC’s official website is modern, informative, and easy to browse, and provides customers with 24/7 claims reporting services. Customers who have purchased insurance through EMC report low premium rates and good 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. So if you’re on the market for any of the coverages offered by the carrier, we say don’t hesitate to ask your independent insurance agent about trusting EMC to meet your insurance needs.

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