CEM Insurance Company is a Property/Casualty carrier writing specialized commercial insurance and reinsurance programs through MGA's and MGU's. The company is licensed in 13 jurisdictions and will seek licenses in additional states as needed to expand its product offerings. Currently the Company's largest product lines are a Garage Program for Non-Franchised Auto Dealers (General Liability, Commercial Auto Liability & Physical Damage, Dealer Open Lot and Garage keepers), an Artisan Contractors General Liability program, and a Commercial/Business Auto Program. CEMIC reviews and will consider insurance program opportunities where larger carriers may be uninterested due to the program's size and limited growth potential.