Holding company EMC Insurance Group may be publicly traded, but in its heart it's a mutual insurance company. Subsidiaries EMCASCO Insurance, Illinois EMCASCO, and Dakota Fire Insurance sell commercial and personal property/casualty insurance including automobile, property, liability, and workers' compensation. Its commercial customers are primarily small and medium-sized businesses. Other group companies include EMC Underwriters, which offers excess and surplus lines of insurance, and EMC Reinsurance, which provides reinsurance for the group and other unaffiliated insurers. Employers Mutual Casualty, a multiple-line property/casualty insurance company, owns about 60% of EMC Insurance Group.