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Payment and Billing

EMC Insurance Companies offers several convenient ways to pay insurance premiums:

Account Billing Plan

EMC’s account billing plan* is similar to credit card statements. We bill you for individual insurance policies just as a credit card company bills you for purchases made at individual stores. Then we apply your payment on your monthly balance to your account, not to individual insurance policies—the same way a credit card company applies your payment to your monthly balance, not to individual purchases.

Flexible Payments
With the account billing plan, you may pay the minimum monthly amount due, the full account balance or any amount in between. If you pay more than the minimum due, we apply the difference as a credit to your account. You won’t receive another bill until the credit in your account is not enough to pay the minimum amount due.

Payment Schedule
We issue your statement at least 20 days before the payment is due. To continue your policies in force, you need to pay at least the minimum amount due. If we receive less than the minimum due, all the policies in your account could be canceled. If your policies are not canceled for nonpayment, the full account balance may be required on future billings.

View a sample personal insurance billing notice
View a sample business insurance billing notice

Electronic Funds Transfer

With electronic funds transfer, your payment is automatically deducted from your bank account each time your premium is due. No checks to write. No postage to pay. No need to worry about forgetting. Each payment appears on your bank statement for easy record keeping. When you use electronic funds transfer, you avoid transaction charges that are applied when you pay by check or credit card.

To sign up for electronic funds transfer:

Be sure to pay the current amount due on your policy and any additional invoices you receive. This will ensure that your coverage is continued until your electronic fund payments begin.

Online Payment

If you are not set up for electronic funds transfer and need to make sure your insurance payment arrives on time, you can use your credit card (Visa®, MasterCard®, Discover® or American Express®) or checking account to pay your bill online. All you need is your EMC account number and the ZIP code shown on your billing statement. Enter your payment through our website:

Make a Payment

Payment must be entered on the website by 6:45 p.m. CT, Monday — Friday (excluding holidays), to be credited to your account the same day. The same transaction fees that apply to mailed payments are applied to each online payment. A payment entered on the website is applied to your credit card or taken from your checking account the following business day. For website assistance, contact EMC IT Support.

EMC IT Support

6 a.m.-6 p.m. CT, Monday-Friday

Phone Numbers:
877-249-0581 (toll-free)

If you call after hours and receive voicemail, please leave a phone number where we can contact you.

If you have billing questions, contact your insurance agent.

Payment by Phone

To make a payment by phone, call 855-404-9076 and respond to the automated prompts. You can choose to pay by checking account, savings account or credit card. The same transaction fees that apply to mailed payments are applied to each payment by phone. Pay-by-phone is available to all direct-billed policyholders for standard invoices, as well as audits. Accounts currently registered for electronic funds transfer (automatic payments) are not eligible.

Payment by Mail

You can always pay by mail; however, if the bill is not paid in full, a transaction fee will be charged on each payment. Mail your payment along with the bottom portion of your invoice to:

EMC Insurance Companies
P.O. Box 219225
Kansas City, MO 64121-9225

*Electronic funds transfer and online credit card and checking account payment are available to policyholders where EMC has business and are not available in Alaska, Hawaii, Florida and New York.