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Excess and Surplus Lines
EMC Underwriters, LLC

EMC Underwriters, LLC, is a wholly-owned excess and surplus lines subsidiary of EMC Insurance Group Inc. Our services are available to EMC agents and select professional surplus lines brokers.

Commercial Packages
We offer commercial packages on many classes. Coverage is available on property for basic and special form policies. Up to $1 million per occurrence/$2 million aggregate limits on general liability policies is available.

Primary General Liability

  • Alarm installation and service
  • Civic organizations
  • Day care centers (outside the home)
  • Fire protection and sprinkler contractors
  • Gun clubs, hunting clubs and shooting ranges
  • Homeowners associations
  • Manufacturing (light to medium hazard)
  • Restaurants, bars and taverns
  • Vacant buildings
  • Miscellaneous

Specialty Coverages

  • Ambulance malpractice
  • Chamber of commerce: annual coverage (scheduled special events can be included)
  • Contractors errors and omissions (not available in all states)
  • Hole-in-one events
  • Inland marine floaters
  • Special events (fairs, festivals, town celebrations, fireworks displays and other events)

Alternative Market Coverages

  • Contractors errors and omissions (including general contractors)
  • Cyber liability: admitted carrier (limits $1 million–$10 million)
  • Excess liability (over EMC underlying)
  • Foreign package coverages
  • General liability
  • Inland marine
  • Liquor liability
  • Products liability
  • Property
  • Environmental coverages
  • Contractors pollution (including professional)
  • Primary umbrella
  • Other specialty coverages

Coverage availability varies by state.

Contact Us

You can Count on EMC® to work with you to place coverage on a direct basis with EMC Underwriters, LLC, or through alternative market options.

Contact us with your excess and surplus lines accounts or questions:

800-437-6005 • 515-345-7650

Larry W. Phillips, CPCU
President & COO of EMC Underwriters, LLC

Marcy Boggs
Vice President of EMC Underwriters, LLC

Special Event Applications

For quick access to several of our applications, select the links below:

Fireworks Display
Fairs and Festivals
Short-Term Misc Events


Business Insurance Quick Links