EMC Insurance Companies, including EMC Property & Casualty, EMCASCO, and Employers Mutual Casualty Company, submitted a filing in Kansas on February 23, 2026, implementing changes effective July 1, 2026, for new and renewal business.

The filing introduces an overall rate decrease of 5.5%, reflecting the adoption of updated ISO prospective loss costs and a reduction in the company’s loss cost multiplier. The change follows a prior rate increase of 10.3% that took effect May 1, 2025.

The revision affects approximately 2,805 policyholders across the affiliated companies, with written premium exceeding $28 million for Employers Mutual Casualty alone.