Exhibit 23.2
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                            CONSENT OF INDEPENDENT
                         CERTIFIED PUBLIC ACCOUNTANTS


     We consent to the incorporation by reference in the post-effective
amendment no. 3 to the registration statement (No. 33-34499) on Form S-3 of EMC
Insurance Group Inc. of our report dated February 24, 2000 relating to the
consolidated balance sheets of EMC Insurance Group Inc. and Subsidiaries as of
December 31, 1999 and 1998 and the related consolidated statements of income,
comprehensive income, stockholders' equity and cash flows and related financial
statement schedules for each of the years in the three-year period ended
December 31, 1999, which appear in the December 31, 1999 Annual Report on Form
10-K of EMC Insurance Group Inc.

     We consent to the reference to our firm under the caption "Experts" in the
Prospectus.

                                       By /s/ KPMG LLP
                                          ---------------------------
                                          KPMG LLP


Des Moines, Iowa
September 15, 2000