EMC Insurance
- Company typePrivate
- Founded1911
- HeadquartersDes Moines, United States
- Headcount1,001–5,000
- GTM typeB2B
- OfferingServices
EMC Insurance firmographics
Firmographics- Name
- EMC Insurance
- Legal name
- Employers Mutual Casualty Company
- Website
- https://emcins.com
- Company type
- Private
- Founded year
- 1911
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Ownership category
- akta.pro rank
Where EMC Insurance is headquartered
LocationHeadquarters
- HQ city
- Des Moines
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
EMC Insurance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Commercial Insurance Premiums: EMC Insurance generates revenue through commercial insurance premiums including commercial property, liability, workers compensation, and business owners policies. As a mutual insurance company, premiums are collected from policyholders and used to pay claims and operational expenses.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Commercial insurance quote-based pricing |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels8 records
EMC Insurance product offering
Product offeringCore offering
EMC Insurance is a mutual insurance company that underwrites and delivers commercial insurance products (commercial property, general liability, workers compensation, business owners policy, and surety/fidelity bonds) to business customers across more than 40 states. Policies are distributed through an independent insurance agent network and supported by loss control services, claims handling, and a self-service policyholder portal. All operations are backed by a recently completed six-year core technology transformation that produced a unified, AI-ready data repository.
Product overview
EMC Insurance operates as a mutual insurance company offering a unified portfolio of commercial insurance products and services. The core product suite includes Commercial Property Insurance, General Liability Insurance, Workers Compensation Insurance, Business Owners Policy (BOP), and Bond products, all delivered through independent insurance agents. Supporting the core offerings are add-on modules including Loss Control Services (safety resources, templates, vendor connections), Claims Management (with value-added services like medical management and subrogation), and the Policyholder Access Portal for online self-service. The company also extends its portfolio through subsidiary EMC National Life Company. All operations are supported by a recently completed six-year core transformation initiative that consolidated policy, billing, claims, workflow, and enterprise data into an AI-ready repository serving customers across more than 40 states.
Differentiator
Problem solved
Functional benefit
Products and services
- Commercial Property Insurance Insurance coverage protecting business property against damage, destruction, or loss from covered perils. Targeted at business owners seeking protection of commercial premises, equipment, and inventory.
- General Liability Insurance Coverage protecting businesses against third-party claims for bodily injury, property damage, and personal injury arising from commercial operations. Sold through independent insurance agents to business customers.
- Workers Compensation Insurance Insurance providing wage replacement and medical benefits to employees injured in the course of employment. Sold to business owners across more than 40 states.
- Business Owners Policy (BOP) Combined coverage package for small to medium businesses bundling property and liability protection into a single policy for simplicity and cost efficiency.
- Bond (Surety and Fidelity) Surety and fidelity bonds providing financial guarantees for contract performance and business obligations for commercial customers.
- Loss Control Services Risk management resources for commercial policyholders including safety program templates, industry insights, vendor connections, safety briefs, tech sheets, forms, and service brochures to help businesses prevent and mitigate losses.
- Claims Management Claims handling for commercial insurance policyholders including investigation, coverage explanation, prompt payment, plus value-added services such as medical management, physical damage appraisals, and subrogation recovery.
Quantifiable outcome
- Strong financial results delivered in 2025 while laying foundation for future growth
Companies that use EMC Insurance
Customer profileSegments2 records
Ideal customer profiles2 records
EMC Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature3 records
EMC Insurance partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- PwCcorePwC served as the systems integrator for EMC Insurance's six-year core transformation project that rebuilt legacy mainframe systems including policy, billing, claims, workflows, and enterprise data across 40+ states and 10-plus products. The company invested roughly 10% of annual premium in this transformation effort.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
EMC Insurance competitors and assessment
Company assessmentDirect peers
- Cincinnati Financial: Cincinnati Financial (CINF) is a publicly-traded P&C insurance company with mutual heritage, distributing commercial and personal lines through independent agents. The most direct comparable to EMC given its similar mutual-rooted model, independent agent distribution, and mid-sized commercial P&C focus.
- Sentry Insurance: Sentry Insurance is a mutual P&C insurance company serving businesses through independent agents. Direct comparable to EMC in mutual structure, business insurance focus, and independent agent distribution model.
- The Hanover Insurance Group: The Hanover Insurance Group (THG) is a P&C insurance company with strong commercial lines focus distributed through independent agents. Comparable to EMC in commercial P&C business mix and independent agent distribution model.
- Selective Insurance Group: Selective Insurance Group (SIGI) is a regional P&C insurer focused on commercial lines distributed through independent agents. Direct comparable to EMC in commercial P&C business mix, independent agent distribution, and mid-sized regional positioning.
- Auto-Owners Insurance: Auto-Owners Insurance is a mutual P&C insurer distributing through independent agents across the US. Direct comparable to EMC in mutual structure, agent distribution model, and multi-state commercial lines focus.
- Erie Indemnity: Erie Indemnity is the management company for Erie Insurance, a regional mutual P&C insurer with a long history. Comparable to EMC in mutual heritage and P&C focus, though Erie primarily uses exclusive agents rather than independent agents.
- Donegal Group: Donegal Group (DGICA) is a regional mutual holding company providing P&C insurance through independent agents in the Mid-Atlantic and Midwest. Comparable in mutual structure, agent distribution, and regional commercial P&C focus.
- Westfield Insurance: Westfield Insurance is a mutual P&C insurance company that distributes commercial and personal lines through independent agents across multiple states. Closely comparable to EMC in mutual structure, agent distribution model, and commercial lines focus.
Broad incumbents
- Travelers: Travelers (TRV) is one of the largest US P&C insurers with substantial commercial lines business distributed through independent agents. Comparable in product overlap and agent distribution, but operates at significantly greater scale and capitalization than EMC.
- The Hartford: The Hartford (HIG) is a major P&C insurance carrier with strong commercial lines presence distributed through independent agents and brokers. Comparable in product overlap, but operates as a much larger public company with a broader portfolio spanning group benefits.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
EMC Insurance social profiles
Digital presenceEMC Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
EMC Insurance leadership team
Management profileNumber of profiles
Profiles5 records
EMC Insurance subsidiaries and ownership
Company hierarchySubsidiaries3 records
EMC Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
EMC Insurance M&A and investment
M&A and investmentM&A
Investments12 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about EMC Insurance
What does EMC Insurance do?
EMC Insurance is a mutual insurance company that underwrites and delivers commercial insurance products (commercial property, general liability, workers compensation, business owners policy, and surety/fidelity bonds) to business customers across more than 40 states. Policies are distributed through an independent insurance agent network and supported by loss control services, claims handling, and a self-service policyholder portal. All operations are backed by a recently completed six-year core technology transformation that produced a unified, AI-ready data repository.
Is EMC Insurance a public or private company?
EMC Insurance is a private company. It is classified as public and is currently operating.
When was EMC Insurance founded?
EMC Insurance was founded in 1911. It employs 1,001 to 5,000 people.
Where is EMC Insurance based?
EMC Insurance is headquartered in Des Moines, United States, in the North America region.
How does EMC Insurance make money?
One revenue line is on record: commercial Insurance Premiums.
Who are EMC Insurance's main competitors?
Direct peers on record are Cincinnati Financial, Sentry Insurance, The Hanover Insurance Group, Selective Insurance Group, Auto-Owners Insurance, Erie Indemnity, Donegal Group and Westfield Insurance. Broad incumbents are Travelers and The Hartford.
Does EMC Insurance have an API?
No public API is recorded for EMC Insurance.