Payment and Billing

EMC Insurance Companies offers several convenient ways to pay insurance premiums:

Online 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®, Discover® or American Express®) 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.

Electronic Funds Transfer

With electronic funds transfer, your payment is automatically deducted from your bank account each time your premium is due and you avoid credit card and check transaction charges.

To sign up for electronic funds transfer:

• Download, print off, fill out and sign the Policyholder Authorization for Electronic Funds Transfer
• Submit the Authorization Agreement to your insurance agent

Phone Payment

To make a payment by phone, call the automated toll-free number provided on your billing statement and respond to the prompts. You can choose to pay by checking account, savings account or credit card. The same transaction fees that apply to mailed payments are applied to each payment by phone. Pay-by-phone is available to all direct-billed policyholders for standard invoices and audits. Accounts currently registered for electronic funds transfer (automatic payments) are not eligible.

Mail Payment

You can always pay by mail. However, if the bill is not paid in full, a transaction fee will be charged on each payment. Mail your payment along with the bottom portion of your invoice to the address provided on your billing statement.

Payment Through Your Agent

You can always pay directly through your independent insurance agent. Use our agent finder to find contact information for your agent.