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Excess and Surplus Lines

EMC offers excess and surplus lines insurance through EMC Underwriters, LLC, a wholly-owned subsidiary of EMC Insurance Group Inc.

Commercial Packages

We offer commercial packages on many classes. Coverage is available* on property for basic and special form policies. Up to $1 million per occurrence/$2 million aggregate limits on general liability policies is available.

Primary General Liability

  • Alarm installation and service
  • Civic organizations
  • Day care centers (outside the home)
  • Fire protection and sprinkler contractors
  • Gun clubs, hunting clubs and shooting ranges
  • Manufacturing (light to medium hazard)
  • Restaurants, bars and taverns
  • Vacant buildings
  • Miscellaneous

Specialty Coverages

  • Ambulance malpractice
  • Chamber of commerce: Annual coverage (scheduled special events can be included)
  • Contractors errors and omissions (not available in all states)
  • Hole-in-one events
  • Inland marine floaters
  • Special events (fairs, festivals, town celebrations, fireworks displays and other events)

Alternative Market Coverages

  • Contractors errors and omissions (including general contractors)
  • Contractors pollution (including professional)
  • Cyber liability: Admitted carrier (limits $1 million — $10 million)
  • Directors and officers (for profit and not for profit)
  • Environmental coverages
  • Excess liability (over EMC underlying)
  • Foreign package coverages
  • General liability
  • Inland marine
  • Liquor liability
  • Primary umbrella
  • Products liability
  • Professional
  • Property
  • Special events (including inflatables)
  • Other specialty coverages

Contact Us

You can Count on EMC® to work with you to place coverage on a direct basis with EMC Underwriters, LLC, or through alternative market options. Contact us with your excess and surplus lines accounts or questions.

Marcy Boggs Marcy Boggs
Vice President of EMC Underwriters, LLC
Heather Blackburn Heather Blackburn
Surplus Lines Assistant VI
Theresa Gathercole Theresa Gathercole
Surplus Lines Underwriting Assistant
Phone Numbers:
800-437-6005 (toll-free)

*Coverage availability varies by state.

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