EMC Insurance Companies
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EMC Insurance Companies

Special Programs

Safety Groups
Businesses or institutions with similar hazards and exposures can be combined into a safety group. All commercial coverages may be offered to the group with competitive premiums and enhanced coverages. Safety and loss control programs are developed for the group to bring about a reduction in losses.

Safety group programs include schools, municipalities and manufactured housing associations. Premiums and losses of the entire group are combined for the purpose of calculating dividends based on group experience. If the loss experience for the group generates a dividend, each member of the group receives a dividend even though the losses of an individual member may be higher than other members of the group.

Target Markets
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 the requirement for a safety group.

Special coverage forms are assigned to offer enhanced coverages for the target market.

Public Entities
At EMC, we’ve designed coverages to meet the extensive needs of public entities and their operations. 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. Our insurance professionals understand the individual needs of public entities and can tailor insurance programs to fit those needs, including unique coverages such as public officials errors and omissions, EMT and EMS coverage, and employment practices liability insurance.

Public entities include, but are not limited to:

For more information on public entity programs, contact your independent insurance agent or local EMC branch office. Not all coverages may be available in all states.

Loss Sensitive Programs
Larger commercial clients can take advantage of retrospective rating programs, large deductible programs and an excess insurance policy that can be written over a company’s self-insurance program

Individual Endorsements
We can tailor-make insurance programs to fit your specific needs with the addition of numerous individual endorsements to your property and casualty insurance policies.