EMC Celebrates 110 Years - EMC is a supercentenarian! That's right, we turned 110 in April.

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EMC Celebrates 110 Years - EMC is a supercentenarian! That's right, we turned 110 in April.
Q2 2021

         EMC
   Celebrates
    110 Years
EMC is a supercentenarian! That’s
    right, we turned 110 in April.
EMC Celebrates 110 Years - EMC is a supercentenarian! That's right, we turned 110 in April.
IN THIS ISSUE                                                                     A Message From
                                                                                      EMC Leadership
                                                                                      2020 Was Relentless, But We
                                                                                      Are Resilient
                                                                                      The world changed in mid-March 2020. And as we continue
                                                                                                                                                       Island Drive                                Wearable Tech Shows
                                                                                      to face the impacts of COVID-19 and as most of our team
                                                                                      members continue to work from home, it seems fitting to
                                                                                                                                                       2022 EMC Agent                              Accident Prevention Potential
                                                                                      reflect on an interesting year.                                  Recognition Trip
      6                                                                               While challenging at times, we upheld our commitment             Kiawah Island | South Carolina
                                                                                                                                                                                                   EMC is taking steps to cement our stance
                                                                                                                                                                                                   as an industry leader in innovation
                                                                                                                                                                                                                                                 employee’s devices reporting five times the
                                                                                                                                                                                                                                                 number of high force indicators.
                                                                                      to providing the seamless Count on EMC® experience our           March 20-25, 2022                           through partnerships with insurtech
                                                                                      independent agents and policyholders have come to expect.                                                    companies that will help EMC improve the      Data like this gives companies new
                                                                                      More than ever we understand that our partnerships                                                           lives of our agents and policyholders. One    insight and an opportunity to uncover
                                                                                      are our company’s greatest asset. We are committed to                                                        such example is our ongoing partnership       the root of the problem—whether it be a

    10                                          12                                    sustaining and strengthening our relationship with you.                                                      with MākuSafe.                                lack of training and housekeeping or an
                                                                                                                                                                                                                                                 employee’s failure to follow procedures.
                                                                                      Thank you for your continued support and partnership                                                         MākuSafe’s wearable armband technology

     3
                                                                                      during a year like no other. We are resilient, we are                                                        gathers real-time environmental and           We’ve also seen rapid employee adoption
       Wearable Tech Shows                                                            stronger and we are ready to build success with you.                                                         human motion data to report near misses       of the voice memo capability, which
    		 Accident Prevention Potential                                                  Together, we will enhance and drive the top-notch customer                                                   and identify potential workplace hazards.     allows employees to immediately and

     4 EMC Wholesalers Program
    		 Offers the Whole Package
                                                                                      experiences that lead us all to profitable growth.                                                           Then, the MākuSmart cloud platform uses
                                                                                                                                                                                                   machine learning to analyze the data,
                                                                                                                                                                                                                                                 conveniently report potential hazards,
                                                                                                                                                                                                                                                 equipment malfunctions and more.

     6 EMC Celebrates 110 Years
                                                                                                                                                                                                   identify potentially hazardous trends
                                                                                                                                                       Sometimes, It’s about the destination.      and generate alerts for safety managers—      JOINING THE PILOT
    		 EMC is a supercentenarian!
                                                                                                                                                       And what a destination Kiawah Island is.    before an incident or claim even occurs.      If you have clients you think would be a

     8 EMC Milestone Anniversaries
    		 Celebrating Decades of Success                                                                                                                  A SOUTHERN SANCTUARY                        MĀKUSAFE PILOT
                                                                                                                                                                                                                                                 good fit, encourage them to sign up by
                                                                                                                                                                                                                                                 contacting Senior Risk Improvement

    10 Adapting to Life’s Changes
    		 Agents are Adapting and Thriving
                                                                                                                                                       Step inside your island retreat and be
                                                                                                                                                       transported back in time. Reminiscent
                                                                                                                                                                                                   EMC is currently conducting a pilot
                                                                                                                                                                                                   at several policyholder locations and
                                                                                                                                                                                                                                                 Innovation Specialist Steven Shaffer
                                                                                                                                                                                                                                                 or visiting makusafe.com/emc. We’re
                                                                                                                                                       of a grand seaside mansion, the elegant     MākuSafe’s wearable armband technology        looking for companies in the warehouse
    12 2021 Premier Partners                                                                                                                           Sanctuary at Kiawah Island Golf Resort
                                                                                                                                                       exudes luxury, warmth and Southern
                                                                                                                                                                                                   is already showing potential.                 or light manufacturing sectors with
                                                                                                                                                                                                                                                 employees in a single location.

    13

       Agency Partner Milestones
                                                                                      “The thing about resiliency is you’re not only recovering from
                                                                                                                                                       charm. It’s a magnificent home away
                                                                                                                                                       from home—and the fitting locale for
                                                                                                                                                                                                   One pilot company had two areas believed
                                                                                                                                                                                                   to be causing most of its safety issues.      HOW IT WORKS

    14 Diversity Makes EMC Stronger
                                                                                      where you were before, but you’re bouncing back into a better    an unforgettable EMC experience.            After deploying MākuSafe’s devices, it was    EMC will pay for up to 40 wearable
                                                                                      position. No matter what we faced, we responded stronger         Visit emckiawahisland2022.com for           clear an entirely different area was a much   devices and monitoring for a year. Plus,
    		 EMC Commits to DE&I                                                                                                                             more details.                               bigger problem, with double the number        devices can be shared over multiple
                                                                                      and continued doing everything we needed to do to function,
                                                                                      succeed and thrive as an insurance company.”                                                                 of hazard indicators of the other two         shifts, accommodating more employees,
    Cooperator is a quarterly publication intended for EMC agency partners. This                                                                       You’ll need to harness your island drive    areas combined. At another pilot facility,    and companies can purchase their own
    newsletter provides information on the latest products, coverages, services and
    industry insights—with the goal of helping you grow your business and better      – Scott Jean, EMC President and CEO                              to earn your spot on this exclusive trip.   two employees doing the same tasks had        additional equipment, if needed.
    serve your clients.
                                                                                                                                                       View the qualification information.         vastly different results, with one of the
    We Want to Hear From You! Please send feedback on this edition, including
    questions and comments, to corporatecommunications@emcins.com.

    Follow EMC

2   emcins.com                                                                                                                                                                                                                                                            COOPERATOR Q2 2021   3
EMC Celebrates 110 Years - EMC is a supercentenarian! That's right, we turned 110 in April.
EMC OFFERS A FULL
                               RANGE OF COMMERCIAL
                               INSURANCE COVERAGES
                                  FOR WHOLESALE
                                   DISTRIBUTORS

    EMC Wholesalers Program
    Offers the Whole Package
                                                                                                                                                                                                           LOSS CONTROL RESOURCES FOR
    Bismarck Branch Boasts                     2020 with more than $4.15 million in total      • Product Withdrawal Expense covers
                                               written premium. Their top SIC classes in         the associated costs of withdrawing a                                                                     WHOLESALE DISTRIBUTORS
    More Than $4.15 Million in                 2020 were beer and wine, groceries and            client’s product from the marketplace                                                                     EMC has provided loss control
    Written Premium                            hardware. They even boast a 98% retention         due to a known or suspected defect                                                                        services for policyholders since
                                               in the beer and wine class.                     • Manufacturer’s Selling Price                                                                              1926. Our experienced loss control
    EMC has the knowledge and expertise                                                          provides valuation of finished product                                                                    professionals can give your clients
    to provide the right business insurance    COVERAGES YOUR CLIENTS CAN                        at the time of loss at the selling price                                                                  suggestions and solutions that can
    to your wholesale and distributor          COUNT ON                                        • Transit Business Income pays for           LEARN MORE                                                     lessen risks. Check out some of our
    clients. EMC offers a full range of        So how do they do it? The branch actively         business income loss sustained due to      Watch the short video above for more                           loss control offerings and resources
    commercial insurance coverages for         promotes EMC’s Wholesalers Program                damage to property in transit              information on how EMC can protect your                        for wholesale distributors:
    wholesale distributors including apparel   through general marketing and advertising       • Refrigeration Breakdown-In Transit         wholesaler clients.                                             • Ergonomic Evaluations
    distributors, construction equipment       campaigns, as well as direct campaigns            pays for damage to perishable stock                                                                        • Slip and Fall Prevention
    wholesalers, food and beverage             with agency partners that specialize in           caused by spoilage due to refrigeration                          Insurance for                             • Hazard Control Assessments
                                                                                                                                               To promote the     Wholesalers
    distributors, and vehicle parts and        this class of business. Plus, EMC offers          or heating equipment failure in a                                                                          • Injury Management Programs
                                                                                                                                                                  Count on EMC to protect your business.

                                                                                                                                               Wholesalers
                                                                                                                                                                               ®

    supplies wholesalers.                      coverage specifically tailored to wholesaler      vehicle the client owns                       Program to your                                              • Online Safety Training
                                                                                                                                               clients, give them
                                               needs, including:                               • Food Contamination pays for specified         the policyholder                                             • Facility Planning and
    SUCCESS IN BISMARCK                        • Delivery Errors and Omissions is                expenses due to food contamination            brochure                                                        Material Handling
    BRANCH TERRITORY                                                                                                                           (MK8508) or
                                                  an optional coverage that provides                                                                                                                                                              Visit emcins.com/losscontrol to learn
                                                                                                                                               tell them to visit
    The EMC Bismarck Branch has historically      protection if a customer suffers financial                                                   emcins.com/wholesalers.                                                                            more and access our collection of
    been successful with this program—ending      damages due to a delivery mishap                                                                                                                                                                online safety resources.

4   emcins.com                                                                                                                                                                                                                                                         COOPERATOR Q2 2021   5
EMC Celebrates 110 Years - EMC is a supercentenarian! That's right, we turned 110 in April.
PRSRT STD                                                w w w . e m c i n s u r a n c e . c o m

                                                                Preventing Workplace Violence
                                                                                                                                                                                                                                                                                                                                                                   U.S. POSTAGE
                                                                                                                                                                                                                                                                                                                                                                       PAID
                                                                                                                                                                                                                                   Home Office Risk Improvement                                                                                                   DES MOINES, IA                                                                    SUMMER 2007
                                                                                                                                                                                                                                   P.O. Box 712                                                                                                                   PERMIT NO. 3324

                                                                By Improving Hiring Practices
                                                                                                                                                                                                                                   Des Moines, IA 50306-0712
                                                                                                                                                                                                                                                                                                                                                                                                          Loss Control

                                                                                                                                                                                                                                                                                                                                                                                                        INSIGHTS
                                                                                                                                                                                                                                   Address Service Requested

                                                                                                                                                                                                                                   VERSION 0

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                LIGHTER
                                                              A flick of the television switch is all it takes to see how                      include, but are not limited to, direct or veiled threats of
                                                              violence has permeated the workplace. As an employer, it is                      harm; numerous conflicts with supervisors and other
                                                              imperative that you understand the magnitude of the                              employees; bringing a weapon to the workplace or
                                                                                                                                                                                                                                                                                                                                                                                                      STEER CLEAR OF
                                                                                                                                                                                                                                                                                                                                                                                                      ACCIDENTS                                                                                                                                                                                                 LIFTS
                                                              problem and implement methods to minimize violence in                            demonstrating a fascination with guns; statements
                                                                                                                                                                                                                                                                                                                                                                                                                                    The single most dangerous
                                                              the workplace. You have a number of options within your                          indicating desperation; and extreme changes in behavior.
                                                              control to help combat workplace violence — become a                             It is crucial that managers document these types of
                                                                                                                                                                                                                                                                                                                                                                                                                                    place for working people to be
                                                                                         better hirer, train employees in                      behavior because proper documentation will support any
                                                 Identify potentially violent            violence avoidance methods and                        responsive management action.
                                                 employees during the                    recognition of early warning signs,                                                                                                                                                                                                                                                                                                        is, strangely, behind the wheel
                                                 interview process by
                                                 asking behavior-based
                                                                                         and develop companywide violence                      Violence Prevention
                                                                                                                                                                                                                                                                                                                                                                                                                                    of a car or truck. More on-the-job
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       ARE
                                                 questions that test how                 prevention procedures. All can have                   Employers should develop policies and procedures

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                SAFER
                                                 applicants would react in a             an impact on violence. The                            that specifically address violence in the workplace.
                                                 given situation.                        following tips from EMC’s                             These policies should convey that all employees are                                                                                                                                                                                                                                  fatalities occur every year on
                                                                                         Employment Practices Guide will help                  responsible for maintaining a safe work environment;

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                LIFTS
                                                              you maintain a safe environment for your workers.                                that the policy covers not only physical acts but also                                                                                                                                                                                                                               America’s highways and city streets
                                                                                                                                               harassment, intimidation and disruptive ridicule; and
                                                               Becoming A Better Hirer                                                         that the employer will act promptly to stop inappropriate                                                                                                                                                                                                                            than anywhere else. However,
                                                               Unfortunately, you cannot in all circumstances select                           behavior. Additionally, you may want to consider offering
                                                               nonviolent employees, but you can take proactive steps to
                                                               minimize the selection of such persons. These steps
                                                                                                                                               an employee assistance program to give employees an
                                                                                                                                               outlet to express their frustrations as well as give some                                                               Celebrate National Safety Month In June                                                                                                                      you and your employees can
                                                               include checking professional references, performing                            measure of control over the work environment.                                                                           The National Safety Council sets aside one
                                                                                                                                                                                                                                                                                                                                                                                                                                    minimize the risk of being in an
                                                               background checks and becoming a better interviewer.                                                                                                                                                    month of the year to stress safety messages for
                                                               You must become adept at identifying potentially violent                        How human resource policies may help prevent                                                                            the workplace, for communities and for the
                                                               employees. Interviewers can ask behavior-based questions                        workplace violence is just one of the many topics                                                                                                                                                                                                                                    accident by taking a few precautions
                                                                                                                                                                                                                                                                       home. This June, National Safety Month is
                                                               that test how applicants would react in a given situation.                      addressed in EMC’s Employment Practices Guide.                                                                          “Celebrating Safe Communities.”
                                                                                                                                               Check with your EMC agent or visit emcinsurance.com                                                                                                                                                                                                                                  when driving.
                                                               Early Warning Sign Training                                                     to obtain a copy of this valuable resource.                                                                             Workplace injuries are on the decline, but
                                                               Managers should be trained to recognize warning signs                                                                                                                                                   the number of off-the-job injuries continues
                                                               and to defuse potentially violent situations. Warning signs                                                                                                                                             to rise. Since a person inhabits many different
                                                                                                                                                                                                                         Loss Control                                  communities throughout the day — work,                                                                                                                       Inside you’ll find facts and helpful

    EMC is a supercentenarian! That’s right, we turned      WHAT YOU CAN AND
                                                            CAN’T ASK APPLICANTS
                                                                                                                                                                                                                         INSIGHTS
                                                                                                                                                                                                                         Summer 2007 Vol. 36   
                                                                                                                                                                                                                                                                       home and every stop in between — the
                                                                                                                                                                                                                                                                       National Safety Council encourages businesses
                                                                                                                                                                                                                                                                       and individuals to take advantage of safety
                                                                                                                                                                                                                                                                                                                                                                                                                                    hints for reducing driving risks and a                                                                                                                                      ©Copyright Employers Mutual Casualty Company 2016. All rights reserved. RI0400

                                                                                                                                                 • Do you own a car?                 • Have you ever been arrested?

    110 in April, and we’re proud of our long history of
                                                                                                                                                                                                                                                                       education materials and reduce the risk of                                                                                                                   written test that will determine your
                                                                  Remember that certain areas of inquiry    • What does your spouse do for
                                                                                                                                                 • Have you ever received workers’
                                                                                                                                                   compensation benefits at a
                                                                                                                                                                                       (You may ask if they have
                                                                                                                                                                                       ever been convicted of a felony
                                                                                                                                                                                                                         Loss Control Insights is a free publication
                                                                                                                                                                                                                         provided by EMC Insurance Companies’
                                                                                                                                                                                                                                                                       injury and death in everyday life.                                                                                                                                                                                                                                                 I’m celebrating our
                                                                  must be avoided on an application,          a living?                            former job?                         or a major misdemeanor if         Risk Improvement department.
                                                                                                                                                                                                                                                                       Join the National Safety Council and EMC in
                                                                                                                                                                                                                                                                                                                                                                                                                                    knowledge of road safety (just like                                                                                   100th year by planning
    strength, service and stability.
                                                                  during an interview or at any time        • Are you planning any additions                                           it is related to the position     Address your comments or requests for
                                                                                                                                                 • When do you plan to retire?
                                                                  during the preemployment process.
                                                                  The following questions are
                                                                                                              to your family?
                                                                                                                                                 • Do you have a bank account?
                                                                                                                                                                                       in question.)
                                                                                                                                                                                     • What nationality are you?
                                                                                                                                                                                                                         additional copies to: Jerry Loghry,           promoting safety this June and every month of
                                                                                                                                                                                                                                                                       the year. You will find a selection of safety
                                                                                                                                                                                                                                                                                                                                                                                                                                    when you were a teenager).                                                                                            for our next 100 years.
                                                                                                            • How will you get to work?                                                                                  EMC Insurance Companies,
                                                                  considered unacceptable and must                                               • To what clubs/organizations                                                                                         materials at nsc.org or in the Loss Control                                                                                                                                                                                                                                            Chad Veach, Engineering Services Supervisor
                                                                                                                                                                                     • Who will take care of your        717 Mulberry, Des Moines, Iowa 50309
                                                                  be avoided to maintain hiring practices   • What was your mother’s               do you belong?
                                                                                                              maiden name?                                                             children after school?            (email: LossControl@EMCIns.com)               section of emcinsurance.com.                                  This is one of several workplace posters you can download
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Today we’re expanding the use of new technologies to
                                                                  that are free of discrimination:                                                                                                                                                                                                                                                                                                                                                                                                                                                        identify risks and train workers on how to avoid them.
                                                                                                                                                                                                                                                                                                                                           from the National Safety Council’s website at nsc.org.
                                                                                                                                                                                                                         Loss Control Insights is also available                                                                                                                                                                                               ...Continued inside                                                                        Tomorrow it could be the use of nanotechnology needing
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          monitoring in the workplace or the development of
    From our incorporation in 1911 as a           And, speaking of being a company to
                                                                                                                                                                                                                         online at emcinsurance.com.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          smart systems to better match employees with their
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          responsibilities. EMC Insurance Companies is
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          committed to investing in the necessary resources
    workers’ compensation insurer in Iowa         count on, we’re also celebrating another                                                                                                                                                                                                                                                                                                                                                                                                                                                                to achieve our vision of being the best in loss
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          control—today, tomorrow and in the future.

    to growing into a multiline insurance         milestone …
    carrier that ranks among the top 60
    insurance organizations in the United         COUNT ON EMC® TURNS 20
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   Home Office: Des Moines, IA | 800.447.2295                                                                  www.emcins.com

    States and writes reinsurance worldwide,      Back in 2001, our vision was to become                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               © Copyright Employers Mutual Casualty Company 2011 All rights reserved

    EMC has a lot to celebrate. Check out this    a more customer-focused organization,
    EMC timeline to learn about important         consistently providing superior service
    milestones we’ve reached over these last      and exceeding expectations. So, we
    11 decades.                                   introduced our brand promise—Count on
                                                  EMC—as our commitment to those values.
    EMC has seen many changes in its first
    110 years, but what hasn’t changed is our     Through in-depth brand research in
    commitment to the long-standing traditions    2017 and again in 2020, agents and team
    of our company—building long-lasting          members conveyed that financial strength,
    relationships with independent agents,        outstanding service and reliability are                                                                                                                                                                                                                                                                                                                                                            From buttons to bread
    financial stability, high ethical business    powerful ways to describe our brand,
                                                                                                                                                                                                                                                                                                                         Are your clients this excited about their small business insurance?
                                                                                                                                                                                                                                                                                                                                                                                                                                                      EMC has it covered.
    standards and our dedication to improving     and that Count on EMC continues to be a                                                                                                                                                                                                                                                                                                                                                                             EMC Insurance Companies offers comprehensive coverage tailored to the
                                                                                                                                                                                                                                                                                                                                                                                                                                                                       needs of 98 different types of light manufacturers producing everything
                                                                                                                                                                                                                                                                                                                                                                                                                                                                      from buttons to bread to electronic components. This line offers optional
    the lives of our policyholders                sincere representation of our company.                                                                                                                                                                                                                                                                                                                                                                                  coverage for manufacturers and delivery errors or omissions, plus
                                                                                                                                                                                                                                                                                                                                                                                                                                                                         employment practices liability. Certain coverages are even bundled
                                                                                                                                                                                                                                                                                                                                                                                                                                                                         automatically — meaning whatever your clients make, EMC makes
    and communities.                                                                                                                                                                                                                                                                                                                                                                                                                                                                       insuring their businesses easier.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         Q4 2020

                                                  Today, our customer focus has grown even
    “Our legacy of working together and           deeper, and we consistently demonstrate                                                                                                                                                                                                                                                                                                                                                             www.emcins.com
                                                                                                                                                                                                                                                                                                                                                                                                                                                      ©Copyright Employers Mutual Casualty Company 2020. All rights reserved.

    building strong relationships enables         our Count on EMC brand promise in
    us to provide the valuable protection,        everything we do.
    customized service and financial security
    our agents and policyholders continue to
    count on,” says Scott Jean, EMC President                                                                                                                                                                                                                                                                   They will be when you sell the local service of EMC Choice® products.

    and CEO.
                                                                                                                                                                                                                                                                                                                                                      Having the support of a local EMC branch office makes

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         A Look At
                                                                                                                                                                                                                                                                                                                                                      all the difference for you and your customers.

                                                                                                                                                                                                                                                                                                                                                      Your small business customers will appreciate the expanded
                                                                                                                                                                                                                                                                                                                                                      coverages and competitive pricing of the EMC Choice® Business-
                                                                                                                                                                                                                                                                                                                                                      owners and specialty market products, but they’ll truly value having                                                                                                               August 2020
                                                                                                                                                                                                                                                                                                                                                      access to a fully-staffed EMC branch office in their area. That means                                                                                                              Midwest Derecho, Hurricane Laura
                                                                                                                                                                                                                                                                                                                                                      faster and more responsive service from people who know their
                                                                                                                                                                                                                                                                                                                                                      communities and the businesses they help protect.

                                                                                                                                                                                                                                                                                                                                                      Count on EMC to give your small business clients what they want most
                                                                                                                                                                                                                                                                                                                                                      from their insurance — solid protection backed with outstanding local
                                                                                                                                                                                                                                                                                                                                                      service. For more information about the EMC Choice program, call
                                                                                                                                                                                                                                                                                                                                                      your local EMC branch office or visit emcinsurance.com.

6   emcins.com                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    COOPERATOR Q2 2021                                                                              7
                                                                                                                                                                                                                                                                                           www.emcinsurance.com
                                                                                                                                                                                                                                                                                          Home Office: 800.447.2295
EMC Celebrates 110 Years - EMC is a supercentenarian! That's right, we turned 110 in April.
FALL 2017

       I used to think EMC was ju st
      for niche commercial programs.
                                                                                                                                                                                                                                                                  EMC Milestone Anniversaries
                                                                                                                                                                                     P. 4-5

         Then again, I used to think the                                                                                                                                             MAKING
           moon was made of cheese.                                                                                                                                                  COMMERCIAL AUTO
                                                                                                                                                                                     PROFITABLE
                                                                                                                                                                                     Help your clients reduce claims and
                                                                                                                                                                                     lower premiums.
                                                                                                                                                                                                                                                                  EMC may be turning 110 this year, but we also have some other big milestones
              MAKE EMC YOUR CHOICE FOR MAIN STREET BUSINESS
                                                                                                                                                                                      P. 6-7
                                                                                                                                                                                      Return to Work Programs
                                                                                                                                                                                      Benefit Your Clients
                                                                                                                                                                                                                                                                  to celebrate. Some of our branches and subsidiaries are also celebrating decades
              When you think main street business, start thinking about the EMC Choice Businessowners        ®

                                                                                                                                                                                                                                                                  of success.
                                                                                                                                                                                      Read a success story from an
              Program. Small and midsize businesses will enjoy the flexible coverage options designed to                                                                              EMC policyholder.
              meet their specific insurance needs, the added value of free loss control services, plus the
              responsive service from an EMC branch office nearby. So if you still think EMC is just for niche                                                                       P. 8-9
              programs, think again. Count on EMC ® for your main street commercial lines marketing, too.                                                                            Exceptional Claims
              For more details, contact your local EMC branch office.                                                                                                                Service for
                                                                                                                                                                                     Your Customers
                                                                                                                                                                                     Count on our knowledgeable
                                                                                                                                                                                     claims experts to lend a                                                     DALLAS SERVICE OFFICE – 25 YEARS                EMC REINSURANCE – 40 YEARS                         JACKSON BRANCH – 55 YEARS
                                                                                                                                                                                     helping hand.

                      Des Moines Branch: 800.362.2227 | Home Office: Des Moines, IA          www.emcinsurance.com                                                                                                                                                 In 1996, Dallas officially became a service     While EMC has been assuming reinsurance            Through the purchase of Southern
                                                                  © Copyright Employers Mutual Casualty Company 2009 All rights reserved                                                                                                                          office in a merger with our Wichita Branch,     since the 1950s, EMC Reinsurance                   Underwriters Agency in 1966, the
                                                                                                                                                                                                                                                                  providing underwriting, claims, risk            Company (EMC Re) was established in 1981.          Jackson Branch was born. It was EMC’s
                                                                                                                                                                                                                                                                  improvement, audit, marketing and rating        To see EMC Re throughout the years, check          first fully staffed office in the deep south.
                                                                                                                                                                                                                                                                  services to Texas agents and policyholders.     out this timeline of milestones.
                                                                                                                                                                                                                                                                                                                                                                     “The hard work, loyalty and dedication of
                                                                                                                                                                                                                                                                  “Through our dedication to excellent            “Collectively, we’ve learned a lot in the          many team members allowed our branch to

                                                                                                                                           TAKING
                                                                                                                                                                                                                                                                  customer experiences, the Dallas Service        past 40 years, and we’re excited to take           reach this great milestone. We would also like
                                                                                                                                                                                                                                                                  Office has grown into a trusted partner of      those lessons into the next 40 years               to thank our valued agents and policyholders

                                                                                                                                           ACTION
                                                                                                                                                                                                                                                                  our independent agents. We are committed        and beyond.”                                       that have put their trust in us for their
                                                                                                                                                                                                                                                                  to continuing this growth into the future and                              – Mondale Smith         insurance needs.”
                                                                                                                                                                                                                                                                  are excited to see where the next 25 years                                  VP–Reinsurance                                – Coleman Cummins
                                                                                                                                            2016 Corporate Review                                                                                                 takes us.”                                                                                                                   VP–Jackson Branch
                                                                                                                                                                                                                                                                                               – Andrea Dold      EMC RISK SERVICES – 40 YEARS
                                                                                                                                                                                                                                                                                          Dallas Service Office   EMC Risk Services (ERS), LLC, a third-             VALLEY FORGE BRANCH – 75 YEARS
                                                                                                                                                                                                                                                                                        Underwriting Director     party administrator that is a wholly               Originally named EMC’s Philadelphia
                                                                                                                                                                                                                                                                                                                  owned subsidiary of EMC Insurance                  Branch, our Valley Forge Branch began

                                                                                                                                                   Safety is
                                                                                                                                                                                                                                                                  DENVER BRANCH – 40 YEARS                        Companies was founded to provide claims            with the purchase of the R. A. Downes
                                                                                                                                                                                                                                                                  EMC’s Denver Branch formed when                 administration services to businesses              General Agency in 1946.
                                                                                                                                                   no accident.                                                                     Taking Action 1
                                                                                                                                                                                                                                                                  the company purchased McKinney Fire             who wanted to capitalize on the growth of
                                                                                                                                                                                                                                                                  Insurance Agency in 1981.                       alternative insurance markets. Today, ERS          “It’s been very rewarding to watch our team’s
                                                                                                                                                                                                                                                                                                                  handles claims in 45 states and its services       hard work and success take us on such a fun
                                                                                                                                                                                                                                                                  “Our team is as committed as ever to            include workers’ compensation claims,              journey of growth and continuous learning.
                                                           2019 CORPORATE REVIEW
                                                                                                                                                                                                                                                                  consistent profitable growth with our agency    general liability and auto claims, risk            Congratulations to the Valley Forge team
                                                                                                                                                    Provide more than coverage to your clients.
                                                                                                                                                    Offer them the added protection of EMC’s
                                                                                                                                                    no-fee loss control services. Whether it’s
                                                                                                                                                    making operational changes to reduce
                                                                                                                                                    injuries, implementing new work policies or                                                                   partners. We look to build on the momentum      improvement services, medical bill review          and thank you to our valued agents in
                                                                                                                                                    coordinating targeted safety courses, our
                                                                                                                                                    experts provide valuable services that can
                                                                                                                                                    result in meaningful loss reduction.
                                                                                                                                                                                                                                                                  we’ve created over the past few years as we     and medical case management.                       Pennsylvania and Maryland for putting trust
                                                                                                                                                    A safe work environment often leads to
                                                                                                                                                    a more profitable business. And offering
                                                                                                                                                                                                                                                                  strive to be a key partner and continue to                                                         in our team.”
                                                                                                                                                    our loss control services at no cost to your
                                                                                                                                                    clients often leads to a more profitable
                                                                                                                                                    business for you too.
                                                                                                                                                                                                                                                                  improve lives.”                                 “What a milestone for ERS! While some                                               – Jill Kocur
                                                      PARTNER

                                                                                                                                                    Count on        EMC ® to
                                                                                                                                                                        have your                                                                                                             – Gary Alford       ERS accounts are self-insured, ERS has also                                 Valley Forge Branch
                                                                                                                                                    clients’ best interests in mind.
                                                                                                                                                                                                                                                                               VP–Denver and Omaha Branches       proven to be an essential partner for branch                       HR Business Partner Manager
PEOPLE

                                                                                                                                                                                                                                                                                                                  operations for large accounts and loss sensitive
                                                                                                                                                                                                                                                                                                                  clients. Our commitment to service, solutions
                                                      SHIPS

                                                                                                                                                                                                                                                                                                                  and strong relationships helps ensure these
                                                                                                                                                               www.emcins.com/losscontrol
                                                                                                                                                               ©Copyright Employers Mutual Casualty Company 2018. All rights reserved.
                                                                                                                                                                                                                                                                                                                  unique accounts are adequately protected and
                                                                                                                                                                                                                                                                                                                  can benefit from proven claim service and

          &
                                                                                                                                                                                                                                                                                                                  claim management strategies.”
                                                                                                                                                                                                                                                                                                                                            – Barb Sullivan
                                                                                                                                                                                                                                                                                                                                 President–EMC Risk Services

 8   emcins.com                                             2019 CORPORATE REVIEW                                                                                                                                                                                                                                                                                                                COOPERATOR Q2 2021   9
EMC Celebrates 110 Years - EMC is a supercentenarian! That's right, we turned 110 in April.
“THE CONSUMER MINDSET
                                                                                                                                                                 HAS SHIFTED FROM ‘LIFE
                                                                                                                                                               INSURANCE WOULD BE NICE
                                                                                                                                                              TO HAVE,’ TO ‘LIFE INSURANCE
                                                                                                                                                                  IS COVERAGE I NEED’”
                                                                                                                                                                                                                             – DANA BONER
                                                                                                                                                                                                                        EMC NATIONAL LIFE
                                                                                                                                                                                                         SENIOR LIFE SALES REPRESENTATIVE

     Adapting to Life’s Changes
     The COVID-19 pandemic has impacted the world in many ways and life as
     we know it has changed. However, the pandemic has become a catalyst for
     transformation and life insurance agents are adapting and thriving.

     Keith Todd, a Benefits Liaison for Boone   allows agents to meet with people across           Prior to the pandemic, EMCNL              Discussion between agents and clients           eliminates having to chase paperwork and
     Ritter Insurance in Springdale, Ark., is   greater distances, provides flexible               modernized its product portfolio and      on how to do business during a pandemic         makes meeting times more convenient.”
     busier than ever. According to Keith,      scheduling options and supplements                 underwriting methods, and recent          has led to better engagement. Keith’s
     “The first four months of the pandemic     what worked prior to the pandemic.                 changes have made obtaining life          pre-pandemic enrollment model included          Agents and EMCNL are blending the best
     brought a decrease in opportunities        Agents still see this as a relationship            insurance even easier. The accelerated    visiting a client’s business once a week to     life insurance practices from the past with
     to meet with people, but the catch up      business but are utilizing new tools               suite of life insurance products allows   explain benefits to new hires but finding the   techniques designed for the present.
     has made us extremely busy.” Agents        when appropriate,” she explains.                   applicants to apply for coverage          new hires for meetings was inconsistent.
     like Keith have been finding new                                                              without having to meet in person.                                                         “You really need to find out your clients’
     approaches to assist clients, resulting    The pandemic also brought the                      By utilizing different data sources       “I now conduct benefits sessions via Zoom       needs and wants and operate in a way that
     in more efficient sales.                   importance of life insurance to the                to analyze risk, EMCNL streamlined        immediately after the employee is hired and     makes them feel comfortable,” says Keith.
                                                forefront for consumers.                           underwriting. Plus, the integration of    prior to orientation,” explains Keith. “Dana
     EMC National Life Company (EMCNL)                                                             DocuSign provides clients and agents      described a change in thinking—this has led     EMCNL has the products, people and
     Senior Life Sales Representative Dana      “The consumer mindset has shifted from             with a simple way of signing and          to employees understanding their benefits       knowledge to help you create comfort          IT’S EASY ®
     Boner has seen agents innovate and         ‘life insurance would be nice to have,’ to ‘life   binding coverage from the comfort of      and having paperwork ready to turn in at        for your clients. We’re here to give you a
     adapt. “The use of video conferencing      insurance is coverage I need,’” says Dana.         their homes.                              orientation. The new Zoom-assisted process      hand—Just Ask.

10   emcins.com                                                                                                                                                                                                                                   COOPERATOR Q2 2021   11
EMC Celebrates 110 Years - EMC is a supercentenarian! That's right, we turned 110 in April.
2021 Premier Partners
     Congratulations and thank you to all of our 2021 Premier Partners!

     BIRMINGHAM BRANCH                           Commercial Risk Solutions, Inc.              MINNEAPOLIS BRANCH
     Keystone Insurers Group, Inc.               Fred A. Moreton & Company, Inc.              The Hays Group, Inc.
                                                 HUB International Insurance Services, Inc.   Northfield Insurance Services
     BISMARCK BRANCH                             Mountain West Insurance & Financial          USI Insurance Services
     Alliant Insurance Services, Inc.             Services, LLC
     ARMGroup of Oregon, Inc.                    Six & Geving Insurance, Inc.                 OMAHA BRANCH

                                                                                                                                  Agency Partner Milestones
     First Western Insurance                     Tegeler & Associates, Inc.                   F.S.I Agency, LLC
     HUB International Mountain States Limited   Universal Business Insurance                 GTA Insurance Group
     Montana Insurance Managers, LLC             Wyoming Financial Insurance                  INSPRO, Inc.
     PayneWest Insurance Inc.                                                                 Lockton Companies, LLC              Since our beginning, EMC has been fully dedicated to the independent agency system and to building strong, long-lasting relationships
     Rossi Insurance                             DES MOINES BRANCH                                                                with agents like you. Here’s to our agency partners celebrating anniversary milestones with us. We look forward to many more years of
                                                 The Hoffman Agency                           PHOENIX BRANCH                      success with you.
     CHARLOTTE BRANCH                            Perspective Insurance                        Alliant Insurance Services, Inc.
     Hamrick Insurance Agency, Inc.              Town & Country Insurance                     AssuredPartners of Nevada, LLC      75 YEARS                                      WICHITA BRANCH                                    DES MOINES BRANCH
     H.A. Thomson Company                        Two Rivers Insurance Co., Inc.               The Leavitt Group                                                                 Earl Herren Insurance, Inc.                       Jaspersen Insurance
     Keystone Insurers Group, Inc.                                                            Professional Insurance Associates   DES MOINES BRANCH                             Jensen Associates, Inc.                           Willis and Moore, Inc.
     Myers, Benner Corporation                   JACKSON BRANCH                                                                   TrueNorth Companies, LLC                      Kenneth Dingwall Insurance, Inc.
     Powell Insurance Group, Inc.                Associated Agency Services, Inc.             PROVIDENCE BRANCH                                                                                                                   JACKSON BRANCH
     Surry Insurance                             Clyde C. Scott Insurance Agency              Cross Financial Corp.               OMAHA BRANCH                                  25 YEARS                                          McInnis Insurance Agency, Inc.
                                                 Renasant Insurance, Inc.                     Hilb Group of New England, LLC      Gralheer Insurance Agency, LLC                                                                  Southgroup Insurance & Financial
     CHICAGO BRANCH                              SecureRisk Insurance Solutions               Phillips Insurance Agency, Inc.     Omaha Insurance Services, Inc.                BIRMINGHAM BRANCH                                  Services, LLC
     CoyleKiley Insurance Agency, Inc.           Southgroup Insurance                         Starkweather & Shepley Insurance                                                  Guffin & Eleam Insurance, Inc.
     Keystone Insurers Group, Inc.                                                             Brokerage, Inc.                    50 YEARS                                      Sutter McLellan & Gilbreath, Inc.                 MILWAUKEE BRANCH
     Rand-Tec Insurance Agency, Inc.             KANSAS CITY BRANCH                           Trusted Insurance Alliance, LLC                                                   Zorn & Son Insurance Agency, Inc.                 Day & Johnson Insurance – Wisconsin
     Stanford & Associates, Inc.                 Keystone Insurers Group, Inc.                                                    BIRMINGHAM BRANCH                                                                                Insurance Network, LLC
                                                                                              WICHITA BRANCH                      Stead & Fuller Insurance, Inc.                BISMARCK BRANCH
     CINCINNATI BRANCH                           LANSING BRANCH                               Acrisure, LLC                                                                     First West, Inc.                                  OMAHA BRANCH
     Driskell Peterson Insurance Agency, LLC     General Agency Company                       Bainswest, Inc.                     BISMARCK BRANCH                               HUB International Mountain States Limited         Cornerstone Insurance Group
     Keystone Insurers Group, Inc.               High Street Insurance Partners, Inc.         Bison Insurance Group (BIG)         Insure Forward, Inc                           Vaaler Insurance, Inc.                            HUB International Mountain States Limited
     Public Risk Underwriters of Indiana, LLC    Keystone Insurers Group, Inc.                Combined Agents of America, LLC
     UIS Insurance & Investments                 Melton Insurance Services, Inc.              Dillingham Insurance                JACKSON BRANCH                                CHARLOTTE BRANCH                                  PHOENIX BRANCH
     Wichert Insurance                           Ted Hartleb Agency                           Fee Insurance Group, Inc.           Southgroup Insurance & Financial              DGK Insurance & Financial Services                Amorelli Rosemann & Associates
                                                                                              HUB International Midwest            Services, LLC                                Insurance Office, Inc. (DBA) – Naugle Insurance    Insurance Services, Inc.
     DALLAS SERVICE OFFICE                       MILWAUKEE BRANCH                             The Insurance Guys                                                                                                                  Draxler Insurance
     Adams Risk Management Services, LLC         Hausmann-Johnson Insurance, Inc.             Insurance Planning, Inc.            LANSING BRANCH                                CHICAGO BRANCH                                    Lebaron & Carroll, LLC
     Higginbotham Insurance Agency, Inc.         IMAGE of Wisconsin                           INSURICA, Inc.                      Insurance Exchange Agency                     Rand-Tec Insurance Agency                         Mission Insurance Group
                                                 Keystone Insurers Group, Inc.                LIA Great Bend, Inc.                Ottawa Kent Insurance Agency, Inc.            Dallas Service Office
     DENVER BRANCH                               M3 Insurance Solutions, Inc.                                                                                                   Marsh & McLennan Agency, LLC                      PROVIDENCE BRANCH
     The Buckner Company                         Nolan Insurance Agency, LLC                                                      PROVIDENCE BRANCH                                                                               Butler & Messier, Inc.
     CIA-Leavitt Insurance Agency                Robertson Ryan & Associates, Inc.                                                Cowan Insurance Agency, Inc.
                                                 TRICOR, Inc.

12   emcins.com                                                                                                                                                                                                                                            COOPERATOR Q2 2021   13
EMC Celebrates 110 Years - EMC is a supercentenarian! That's right, we turned 110 in April.
Watch our video Diversity Makes EMC Stronger
                                                                                                                                      Join the Journey!
                                                                                                                                    Find DE&I resources
                                                                                                                                     and learn more at

Diversity Makes EMC Stronger                                                                                                          ceoaction.com/
                                                                                                                                    dayofunderstanding/

EMC Commits to Diversity, Equity and Inclusion (DE&I)
EMC is proud to be a signatory of                             company’s DE&I journey,” says Scott Jean,         DID YOU KNOW?
CEO Action for Diversity & Inclusion—                         EMC President and CEO. “I’m proud of our          • 85% of CEOs who have invested in
the largest CEO-driven business                               team members for engaging in open and                 diversity and inclusion programs saw
commitment to advancing diversity and                         meaningful dialogue to ensure we reach                enhanced business performance 1
inclusion within the workplace. As part                       our fullest potential and make EMC’s DE&I         • Companies in the top quartile for racial
of this commitment, EMC pledged to                            vision a reality.”                                    and ethnic
cultivate a workplace where diverse                                                                                 diversity are 35% more likely to have
perspectives and experiences are                              WHY DE&I MATTERS                                      returns above the national industry 2
welcomed and respected.                                       At EMC, we believe we are a company               • 78% of CEOs who have invested in
                                                              of choice because we embrace DE&I in                  diversity and inclusion programs have
On April 21, EMC leaders and team                             everything we do, creating a culture where            seen a greater capacity for innovation
members joined the virtual CEO Day                            all team members feel valued, respected               within their organizations 1
of Understanding event, comprised of                          and empowered. This results in high-
educational presentations and breakout                        performing teams who deliver exceptional
sessions for smaller group conversations.                     customer experiences while driving
                                                              exceptional business results.
“EMC’s participation in a Day of
Understanding is a significant step in our

1. PwC: 18th Annual Global CEO Survey, 2015
2. Ellen McGirt, CEO Closed Door Session Presentation, 2017                                          ©Copyright Employers Mutual Casualty Company 2021. All rights reserved.
EMC Celebrates 110 Years - EMC is a supercentenarian! That's right, we turned 110 in April. EMC Celebrates 110 Years - EMC is a supercentenarian! That's right, we turned 110 in April.
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