EMC is rolling out a new small business commercial umbrella program in Tennessee through a new company, with new business targeted for October 1, 2026.

The key move is about keeping more business in house. The umbrella sits over EMC primary policies, including auto, BOP, employers liability, professional liability, and liquor liability, pointing to a tighter account rounding strategy for small commercial customers. The filing also shows a broad risk appetite within that setup, including liquor, professional liability, employee benefits liability, printers E&O, and pharmacist coverage.

Bottom Line: EMC is extending its small business package into umbrella, built for rounded accounts, contract heavy risks, and agents who want more liability options without leaving the EMC ecosystem.