EMC Insurance Group with its subsidiaries EMCASCO Insurance, Illinois EMCASCO, and Dakota Fire Insurance sell property/casualty lines including automobile, property, liability, and workers' compensation insurance, primarily to small and medium-sized businesses. EMC Underwriters offers excess and surplus lines of insurance. EMC Reinsurance provides reinsurance for the group and other unaffiliated insurers. The group operates throughout the US, primarily in the Midwest; Iowa accounts for 15% of premiums. Employers Mutual Casualty, a multiple-line property/casualty insurance company, owns 60% of EMC Insurance Group.