Small Business

Our coverages are designed to meet the extensive needs of your small business. We can provide protection for buildings, personal property, automobiles and employees, as well as liability and umbrella coverages.

National Coverage with Local Attention
EMC provides outstanding local service, through our network of branch and service offices strategically located across the country, in the areas of underwriting, marketing, claims and loss control. We’ll be there for you with the local attention you deserve.

Local Underwriting Solutions
EMC is represented through local independent insurance agents who understand you and the community you live and work in. This allows the business of your small business to be handled by an underwriter close to your area who truly knows your market and business climate.

Exceptional Loss Control Services
Loss control plays an important role in keeping a small business’ losses to a minimum. EMC provides both its agents and policyholders with an extensive list of the information and tools needed to prevent unwanted incidents from occurring.

Technical/hazard information
Safety video lending library
Industry-specific services

Loss control experts are available throughout the country to provide more personalized safety and loss control services such as safety surveys, loss analysis, property protection consulting and safety program reviews.

For more information on loss control, click here.

Superior Claim Services
Nothing impacts the cost of insurance more than the cost of claims. EMC provides access to proven claims cost management programs, which can result in significant insurance savings for small businesses.

These complimentary services include:

Medical management for workers’ compensation claims to help employees receive high-quality care for injuries and return to work as soon as possible.
Expert physical damage appraisers experienced in reviewing cost estimates and an auto glass replacement network to make appropriate auto repairs at appropriate prices.
A staff of legal and claims professionals dedicated to recovering paid claims and making the responsible party pay for the damages.
A special investigative unit to detect, deter, investigate and prosecute insurance fraud.

Click here for more on claim services.

Flexible Payment Plans
EMC offers small businesses a wide range of payment options—from monthly billing to full-pay plans—to make it as simple as possible to do business with us. For more information on payment options, click here.