EMC Insurance is introducing a new small business Businessowners (BOP) program in Connecticut, expanding its product offering to better align coverage and pricing with smaller commercial risks.

The filing, submitted April 2, 2026 on a file-and-use basis, is scheduled to take effect October 1, 2026 for both new business and renewals.

The program is a new launch with no in-force policyholders and no rate impact. EMC will continue offering its existing BOP product for accounts that fall outside its definition of small business, which is based on factors such as sales, payroll, property values, and fleet size.

From a pricing standpoint, the product adopts loss costs from a Verisk reference filing, applying a loss cost multiplier of 1.27, reflecting an ISO-based foundation with company-specific adjustments.

The structure includes a $350 minimum premium and a segmented rating framework incorporating ZIP-level location relativities, property and liability exposures, sprinkler presence, and tiering factors tied to risk characteristics.

Bottom Line: EMC is rolling out a standardized, ISO-backed BOP with layered segmentation and modular endorsements, targeting small businesses with a more tailored underwriting and pricing framework rather than a rate-driven update.