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Why agents choose EMC for contracting insurance

When it comes to protecting your contracting customers, let us do the heavy lifting. We offer a full range of commercial insurance policies for carpenters, electrical contractors, excavators, general contractors, and many more. Plus, our understanding of specific risks enables us to help your customers control loss proactively through services such as training and safety surveys. Together, we can help protect every square inch of your customers’ contracting business.

A contractor in safety gear and a hi-viz vest

Industry-leading loss control services

Our safety experts can help your customers proactively reduce their risk exposure through loss control strategies and safety services designed to keep their business safe.

*These services are available only in territories where EMC provides workers’ compensation coverage.

Contractors Loss Control resources

Visit Loss Control to learn more and access our extensive collection of free online safety resources.

Eligible operations

We proudly protect more than 125 types of contractors, including the ones listed below. To learn more about EMC's appetite for contractors, contact your local EMC branch office.

  • Carpenters
  • Lawn care
  • Interior decorators
  • Drywall contractors
  • Masonry
  • General contractors
  • Excavators
  • Electricians
  • Sheet metal workers

A contractor laying down tile on a work site

Ineligible operations

Not all construction operations are eligible for contractors insurance from EMC. Some ineligible characteristics include:

  • Street and road work over 55 MPH posted speed limit
  • Residential roofing
  • Blasting
  • Oil and gas work
  • Electric light or power construction
  • Bridge work
  • Paper contractors
  • Work more than four stories high
  • Developers
  • Joint ventures
  • Sand and gravel hauling

A roofing contractor removing shingles on a roof

Compassionate claims handling

As a mutual company, we’re focused on serving others and improving lives. So, we take pride in our reputation for handling claims with responsiveness, empathy, and fairness. We’re always ready to step up and be there for your customers when they need us the most.

Our approach to claims handling is simple:

  1. Investigate every claim
  2. Explain what’s covered and what isn’t
  3. Pay the claims we owe as quickly as possible

Plus, we offer value-added services such as medical management, physical damage appraisals, and subrogation recovery.

Report a claim
A woman talking on the phone while handling someone's claim