EMC Insurance Company

EMC Insurance Companies
717 Mulberry Street
P.O. Box 712
Des Moines, Iowa 50306-0712

EMC Insurance Group of Companies is among the insurance organizations in the United States that belong to the top 60; it is ranked 113 among the largest mutual and cooperative companies. EMC Insurance Group Incorporated is in Forbes’ list of “100 Most Trustworthy Companies” for 2010.

In August 2010, the company received Platinum and Gold Awards in Hermes Creative Awards for Overall Website Design (www.emcins.com) and Website Homepage Design, respectively.  The group was selected for these categories among 3,600 entries from around the world.

EMC was founded in 1911 and is categorized under fire, marine, and casualty insurance. With almost 100 years of serving independent insurance agents and policyholders, the company offers competitive insurance products that cover business, personal, life, and loss control.

The business insurance is for the protection of a company’s assets, which include Property, Liability, Auto, Crime, Workers Compensation, and Errors and Omission plans. These products are in combination with local loss control service, a feature that helps policyholders prevent possible future losses through EMC Insurance Companies’ expert evaluations, effective loss control solutions, and technical expertise. Policyholders can easily restore their businesses with the company’s claim services, which is quick to respond. EMC investigates your claim, pays claims that it owes, and explains what is and what is not covered, at the soonest possible time.

Three types of properties are covered by the company under the commercial property policy: Building, Business Personal Property (which includes, among other things, the machinery and equipment, fixtures and furniture, and other property used and owned by the business), and Personal Property of Others (which provides protection toward owners who hold property to benefit both parties).

Liability insurance involves risks that are a result of property damage or injuries caused by completed jobs, premises, operations, or business products. With these in mind, EMC offers umbrella liability, general liability, and employment practices liability in addition to crime, errors and omissions, business auto, business property, and compensation coverage for workers.

EMC’s Personal Insurance offers competitive rates and comprehensive coverage. It also offers personal insurance policyholders online access to policy and account information. With this policy access, you can do things, like making an online payment, reviewing your billing statements, viewing your policy information, and printing or duplicating auto identification cards.

For individuals, Life Insurance includes Universal Life Insurance, Term Life Insurance, Instant Issue Term Life Insurance, Whole Life Insurance, and Annuities. Employers can also avail of insurance for their employees with payroll deductions which includes Critical Illness Insurance, Increasing Whole Life, Workplace Permanent Life, Group Term Life, and Group Disability Income.

EMC sells its products through independent insurance agencies only and in over 40 states. It prefers to sell their products to these agencies alone because it believes that the level of personalized service is far superior this way.

EMC is present at 16 locations in the country and has 2,100 or more employees, and earning an annual revenue of $ 450,447,656.