# EMC Insurance Companies

> EMC Insurance Companies is a Des Moines-based mutual insurer focused on commercial property and casualty coverage distributed through independent agents. Founded in 1911 around workers' compensation, it now serves businesses in more than 40 states with property, liability, auto, workers' compensation, cyber, umbrella and specialty coverages, plus surety bonds, claims administration and hands-on risk control. Its position is that of a national carrier with regional expertise: technology handles more of the transaction while local underwriters, agents and safety specialists handle the judgment.

- **Founded:** 1911
- **Headquarters:** Des Moines, United States
- **Team size:** Approximately 2,100 team members nationwide in 2025.
- **Products:** Commercial property insurance, Commercial auto insurance, General liability insurance, Workers' compensation insurance, Business owners policy and BOP Edge
- **Notable:** Reported $2.05 billion in net written premium and $2.08 billion in policyholder surplus for 2025., Produced a 96.7% trade combined ratio in 2025, its best in years., AM Best affirmed an A (Excellent) financial strength rating with a stable outlook for the EMC property and casualty group in October 2025.

## Products & services

- **Commercial property insurance** — Coverage for business buildings, equipment, inventory and other physical property against covered losses.
- **Commercial auto insurance** — Protection for business-owned vehicles, fleets and related liability exposures; the largest line in EMC's 2025 premium mix.
- **General liability insurance** — Coverage for third-party injury, property damage and other common business liability claims.
- **Workers' compensation insurance** — Coverage for workplace injuries and related employer obligations; EMC's original product category.
- **Business owners policy and BOP Edge** — Packaged small-business coverage; BOP Edge began rolling out in late 2025 through a portal supporting more than 300 classes.
- **Cyber, errors and omissions, and commercial umbrella** — Additional protection for digital incidents, professional mistakes and liabilities above underlying policy limits.
- **EMC Bond** — Contract, fiduciary, license and permit, public official and other surety bond solutions distributed nationally through independent agencies.
- **EMC Claims Solutions** — Third-party claims administration that helps organizations manage losses beyond EMC-insured accounts.
- **Risk Control** — On-site and virtual surveys, safety consulting, training and vendor services designed to reduce losses before claims occur.

## Achievements

- Reported $2.05 billion in net written premium and $2.08 billion in policyholder surplus for 2025.
- Produced a 96.7% trade combined ratio in 2025, its best in years.
- AM Best affirmed an A (Excellent) financial strength rating with a stable outlook for the EMC property and casualty group in October 2025.
- Served policyholders through more than 1,780 appointed independent agencies in 2025.
- EMC Bond reached a record $64.6 million in direct written premium in 2025, its 13th consecutive underwriting-profit year.
- Risk Control completed 7,469 policyholder visits and 468 virtual surveys in 2025.
- The EMC Insurance Foundation was named 2025 Outstanding Large Corporate/Foundation Funder by the Central Iowa Chapter of the Association of Fundraising Professionals.
- Forbes included EMC Insurance Group among its 100 Most Trustworthy Companies in 2010, 2014, 2016 and 2017.

## Latest updates

- **2026-06** — EMC supported the DAM to DSM half marathon for an eighth year as title sponsor and backed the Des Moines Arts Festival.
- **2026-04** — EMC reported $1.6 million in 2025 foundation grants to nearly 100 organizations and nearly $625,000 in employee giving to 410 organizations.
- **2026-03** — EMC recognized its highest-performing appointed agencies through the Partner Success Program.
- **2025-12** — EMC agreed to sell its ownership interest in EMC National Life Insurance Company to Avocet Partners, subject to approvals and closing conditions.
- **2025-10** — AM Best affirmed EMC's A (Excellent) property and casualty financial strength rating and stable outlook.
- **2025-02** — EMC announced dedicated Small Business, Specialty and Large Accounts units alongside its established Middle Market operation.

## Links

- Website: https://emcinsurance.com
- LinkedIn: https://www.linkedin.com/company/emc-insurance-companies
- Twitter/X: https://twitter.com/EMCInsurance
- YouTube: https://www.youtube.com/@emcinsurance
- Instagram: https://www.instagram.com/emcinsurancecompanies/
- Facebook: https://www.facebook.com/EMCInsurance

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Last updated: 2026-08-11