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Policyholder Access
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Claim Services
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Policyholder Access

Policyholder Access on emcins.com gives you quick, secure access to your personal insurance information. And should you ever experience a loss on your home, auto, motorcycle or dwelling policy, you can easily report your claim online.*

In Policyholder Access you can:

  • View your complete policy documents, including auto ID cards and forms
  • Review your billing statements
  • Make an online payment with a credit card, debit card or checking account
  • Report a claim*
  • Monitor a claim
  • Manage your billing and payment preferences, including electronic funds transfer (EFT) and paperless billing notifications
  • Find your agent’s contact information
  • Review safety tips to keep your family and home safe
  • Take stock of your home inventory

Policyholder Access FAQs

*Not available to all policyholders.

How to Register

It’s quick and easy to sign up for Policyholder Access:

  1. Select Login in the upper right corner on any www.emcins.com page
  2. Select Personal Insurance Policyholder as the login type
  3. Select First time logging in?

All you need is your account number and email address. You will receive a registration invitation email with instructions for setting up secure access to your personal insurance policies and account information. Your EMC agent can also request a registration invitation for you.

Reporting Claims*

Reporting claims online is simple. Log in to Policyholder Access and select Report a Claim on the right side of the homepage or under the Claims tab. Select the policy for which you wish to report a claim, and then we’ll walk you through the process.

Only the most basic information is needed to report a claim online; however, providing additional information may help us process your claim faster. Once your claim is submitted, your insurance agent is notified and you will be contacted by an EMC claims adjuster.

Contact your independent insurance agent if you:

  • Have general questions regarding your claim
  • Are uncertain about your insurance coverage
  • Suffer a severe loss

*Not available for all policyholders.

Monitoring Your Claim

Personal lines policyholders who are registered for Policyholder Access can now keep an eye on the status of a claim with the View My Claim feature. With one click, policyholders can access a claim list that includes basic information about any reported claims, such as claim number and date of loss. From there, the policyholder can select a specific claim to view more detailed information, including payment activity.

Making a Payment

If you are not set up for electronic funds transfer and need to make sure your insurance payment arrives on time, you can use your credit card (Visa®, MasterCard® or Discover®) or checking account to pay your bill online. All you need is your EMC account number and the ZIP code shown on your billing statement.

Make a payment online now

You can also log in to Policyholder Access to make a payment. Choose Make a Payment on the right side of the Policyholder Access homepage.

Payment must be entered on the website by 6:45 p.m. CT, Monday-Friday (excluding holidays), to be credited to your account the same day.

The same transaction fees that apply to mailed payments are applied to each online payment. A payment entered on the website is applied to your credit card or taken from your checking account within one or two days.

For website assistance, contact IT Support between 6 a.m. and 6 p.m. CT, Monday-Friday (excluding holidays).

IT Support

If you call after hours and receive voicemail, please leave a phone number where we can contact you.

If you have billing questions, contact your insurance agent.

Easy Mobile Access

If you have personal lines insurance with EMC, you can access and manage your account information from anywhere, anytime, with our mobile-friendly website. Just use your smartphone to log in to Policyholder Access and you'll see how easy it is. If you're not already signed up, register today!

Mobile Web Screen


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