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Personal Insurance

EMC is no longer offering new personal lines policies; however, if you if you currently have a policy with us, you can Count on EMC® to provide the service you deserve for as long as you have a policy with us.

Learn more about our personal lines transition.

Claims Service

Our priority is to handle your claim as fairly and quickly as possible, regardless of the type or size. At EMC, our approach to handling claims is simple:

  • We investigate every claim
  • We explain what's covered and what isn't covered
  • We pay the claims we owe as quickly as possible

Easy Claim Reporting Options

To make the claim process as easy as possible, EMC offers several convenient ways for you to report a claim, including our 24-hour reporting hotline at 888-362-2255. For more claim reporting options, plus guidelines for properly handing auto and property claims, select Report a Claim below.

Report a Claim

Policyholder Access

If you are registered for Policyholder Access and need assistance, contact IT Support, 877-249-0581. Hours are 6 a.m.-6 p.m. CT, Monday-Friday (excluding holidays).

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. Enter your payment through our website:

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 the following business day. For website assistance, contact EMC IT Support.

EMC IT Support

6 a.m.-6 p.m. CT, Monday-Friday

Phone Numbers:
877-249-0581 (toll-free)

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.

Payment by Phone

To make a payment by phone, call 855-404-9076 and respond to the automated 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, as well as audits. Accounts currently registered for electronic funds transfer (automatic payments) are not eligible.

Payment by Mail

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:

EMC Insurance Companies
P.O. Box 219225
Kansas City, MO 64121-9225