UPDATED: Nov 30, 2018
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Employer’s Mutual Casualty Association (or EMC) was formed in 1911 in Iowa, and started writing worker’s compensation policies. By 1920 they added auto insurance to the lineup in response to the growing number of cars on the road. Within a few years of this they began expansion into other states, eventually offering coverage in more than 40 states.
Expansion and acquisitions of additional companies added fire insurance, life insurance, and more to the company’s product offerings. Today, they write business insurance, auto insurance, homeowner’s, motorcycle, and more. Company headquarters are located in Des Moines, IA.
EMC sells its policies through independent agents, and does not offer online quoting. The website does offer a Policyholder Access, which allows customers to manage their policies online rather than counting on an agent for all changes and tracking of claims.
EMC writes a strong lineup of business insurance products as well as all of the basics of personal insurance.
EMC’s auto program offers all of the basics of liability and property coverage, along with some additional options.
The Auto Choice Coverage Extension is an add-on package that includes the following features:
- Rental vehicle coverage
- Enhanced Transportation Expenses
- Increased Nonowned Trailer
- Waiver of deductible on other than collision claims in a total loss
- Accidental air bag deployment
EMC offers a good list of discounts, including loyalty, multi-car, accident-free, good student and more. They also offer their Bonus Renewal Plan to those who hold a policy accident-free for three years straight – this plan is basically accident forgiveness under a different name, and allows one surcharge-free accident.
EMC also has a special list of benefits for those who bundle auto and home together, known as Personal Lines Advantage. It includes pet medical, single deductible when home and auto are involved in the same loss, and emergency lockout coverage.
EMC covers motorcycles with the same options available for auto insurance, as well as some options specific to motorcycles.
- Customized Equipment coverage
- Helmet coverage
- Excess Electronic Equipment
EMC has three levels of homeowner’s insurance coverage, each increasing limits and benefits, starting with the base-level policy. EMC promises that their basic homeowner’s still offers above average coverage, with extra features.
The next two levels are the Homeowner’s Plus, with more personal property coverage as well as identity theft, and the EMC Choice, a premier level policy that adds more replacement cost coverage, equipment breakdown, and more.
The EMC website also mentions a MyHome policy that they intend to introduce for Nebraska residents, offering new pricing options, but little information is available at the time of this review, and you are directed to contact an agent for more details.
EMC writes a range of life insurance products, including:
- Regular term and immediate-issue term
- Whole life
- Group Life
The company also offers a range of other related products for workplace benefits such as long-term care, disability income insurance, and critical illness insurance.
EMC’s first product was worker’s compensation, and they continue to write it today, but have expanded to offer full coverage for businesses.
Business products include:
- EMC Business owners – comprehensive package policy that covers liability and business products along with many other common coverage options: EMC writes this type of policy for more than 500 different types of business
- EMC Choice – package policy for specialty businesses such as boat and equipment dealers, light manufacturers, and more
- Excess and Surplus Lines
- Surety and Fidelity Bonds
- Workplace Life Insurance
EMC also writes group programs and provides coverage for public entities such as schools, law enforcement, and more.
Because EMC does not offer online quoting, it is difficult to compare their products in terms of price to other companies. As a company selling products through agents, EMC is at a general disadvantage in that commissions can increase rates.
The company does offer a good range of discounts, and with the available auto-home bundle might be competitive with other companies of a similar size, also selling through agents.
EMC has all of the most common options for reporting a claim. Claims can be reported through an agent, via a 24-hour toll-free line: 1-888-EMC-CALL, or online. Claims can also be reported from a mobile phone using the company’s mobile website. The many options for claims reporting put EMC at the head of the pack for technology and ease of access.
EMC promises a simple approach to claims, with a three-step process in which they investigate the claim, explain what is covered and what is not, and pay the claim as quickly as possible. The company has branch claims offices across the states they serve to provide quick claims services.
Although EMC’s headquarters in Des Moines does not have a rating with the BBB. Their locations in both Wichita, Kansas, and Peoria, Arizona have an A+ rating. Neither location lists any complaints against the company.
Overall, reviews of the company are minimal – there are not many of them, and those that do exist are limited in information. Overall, the company appears to have a fairly good reputation. There are positive reviews available, and the negative reviews – which are few – state common complaints that most insurance companies see.
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EMC offers a strong list of products along with a long, solid reputation. With an excellent BBB record and few negative reviews online, they appear to be a sturdy bet in terms of service and satisfaction. In addition, their products appear to be straightforward and generally without gimmicks, while still offering comprehensive programs.
Although EMC is unlikely to be competitive with some of the large direct-buy insurers, they appear to offer products and services that may well make up for a little extra expenditure. EMC is worth a look for anyone who values great service over low prices, and for those who prefer to work directly with an agent.
For a list of companies that we recommend, visit our Best Insurance Companies page.