LinesBOP, WC, GL, Commercial auto, Commercial property, Umbrella, Cyber, Professional liability
Agent portalYes
Quote APINo
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Contractors | BOP | Most states | BOP Edge small business eligibility: property (building plus contents) under $5M per building and $15M per policy, 25 or fewer power units, payroll under $1M and sales under $10M per location. Contractors get a special contractor enhancement. BOP, commercial auto, WC and umbrella are quotable online in Agent Access (Small Business Solutions flyer MK8413, Aug 2025). |
| Contractors | WC | Most states | Middle market guide marks carpentry, concrete, electrical, excavation, fence, flooring, glass, masonry, painting, siding, landscaping, janitorial and commercial and residential general contractors acceptable for auto, WC, umbrella, GL, property and inland marine. Plumbing/HVAC and street construction are 'will consider'. Residential roofing and heavy construction are not a market; commercial roofing is acceptable except for WC and umbrella (Middle Market Appetite Guide MK8592, Jan 2026). |
| Retail | BOP | Most states | BOP Edge targets retail within the small business limits above (under $5M property per building, under $10M sales per location). The middle market guide marks apparel, building materials and garden supplies, drug stores, general retail and liquor stores acceptable on all lines; furniture and grocery stores are 'will consider' (MK8413 Aug 2025; MK8592 Jan 2026). |
| Restaurants | BOP | Most states | BOP Edge names restaurants, full service and limited cooking, among its small business classes (Small Business Solutions flyer MK8413, Aug 2025). In the middle market guide, restaurants are 'will consider' on every line, meaning more underwriter involvement (MK8592, Jan 2026). |
| Offices | BOP | Most states | Offices are a named BOP Edge class. In the middle market guide, architects and engineers, attorneys, banks/insurance/investments, business services, medical and dental offices and real estate agents are acceptable on all lines, and several carry target SIC codes (MK8413 Aug 2025; MK8592 Jan 2026). |
| Professional services | GL | Most states | Services guide lines: GL, commercial auto, property, inland marine, WC, cyber and umbrella. Strong fit: 3+ years in business, no bankruptcy, 3 years of loss runs, prior coverage with a standard (non-E&S) carrier and no monoline property. Ineligible: adult, alarm monitoring, apartments, cannabis, firearms, hotels/motels, laundries, pest control, tattoo/tanning and vacant buildings (Services Appetite Guide MK8595, Nov 2025). |
| Manufacturing | GL | Most states | Acceptable on all six lines: beer and malt beverages, fabricated metals (other), machine shops, sign manufacturing, tool manufacturing and wire drawing. Most other manufacturing is 'will consider'. Not a market: chemicals, electroplating, petroleum refining, tobacco, transportation equipment and sand/gravel hauling (Middle Market Appetite Guide MK8592, Jan 2026). |
| Wholesale | Commercial property | Most states | Acceptable on all lines: construction equipment and materials, electrical/heating/plumbing equipment, hardware, office equipment, plumbing and heating equipment, service establishment equipment and telecom equipment. Not a market: chemicals, meat, poultry, seafood, solar equipment dealers, tires and transportation equipment (Middle Market Appetite Guide MK8592, Jan 2026). |
| Real estate | Commercial property | Most states | Real estate agents are acceptable on all lines. Commercial building operators (LRO) and general warehousing are 'will consider'. Residential building operators, mini storage and cold storage are not a market. EMC says most classes are available countrywide with some state exceptions (Middle Market Appetite Guide MK8592, Jan 2026). |
How to quote EMC Insurance
→Carrier portal. Quote directly in the EMC Insurance agent portal.