EMC offers several special group programs for businesses, industry and trade associations, schools, public entities and other groups with similar hazards and exposures. We bundle the essential property and liability coverages into one competitively priced, comprehensive insurance program designed specifically for the group.
The programs are custom-built by experienced EMC underwriters who understand the industry and the specialized coverages that are needed. EMC Insurance Companies prides itself on the customized loss control programs and services we provide to our group program policyholders in an effort to reduce their losses. And if a claim should arise, our network of strategically located branch and service offices means service is always close by.
Safety group programs include schools, municipalities and manufactured housing associations. Commercial coverages are offered to safety groups with competitive premiums and enhanced coverages. Program members get more than just competitive pricing for the insurance coverages their operations need. They also have the possibility of receiving an annual dividend for good group loss experience. If a dividend is earned, the amount returned to members is in proportion to their premium paid to the group. This way, members can receive the maximum possible reduction in insurance costs even though losses of an individual member may be higher than other members in the group.
Businesses or institutions with similar hazards and exposures can be written as a target market. Typically the total premium of the group is less than that of a safety group. Special coverage forms are assigned to offer enhanced coverages for the target market.
At EMC, we are experts at designing coverages for public entities and their operations, including:
Through safety group and target market programs, we can provide protection for buildings, personal property, automobiles and employees, as well as liability and umbrella coverages. We can tailor the insurance program to fit the needs of public entities, including unique coverages such as public officials errors and omissions, EMT and EMS coverage, and employment practices liability insurance.
Petroleum marketers, manufactured housing and home builders are just some of the other group programs EMC offers; however, the availability of group programs varies by state, so check with your independent insurance agent or local EMC branch office.