Schedule III - Supplementary Insurance Information

12 Months Ended

Dec. 31, 2013

Supplementary Insurance Information [Abstract]

Schedule III - Supplementary Insurance Information

EMC INSURANCE GROUP INC. AND SUBSIDIARIES

Schedule III – Supplementary Insurance Information

For Years Ended December 31, 2013, 2012 and 2011



Segment	Deferred policy acquisition costs		Loss and settlement expense reserves		Unearned premiums		Premium revenue		Net investment income			Losses and settlement expenses incurred		Amortization of deferred policy acquisition costs		Other underwriting expenses		Premiums written

Year ended December 31, 2013
Property and casualty insurance	$	32,740,088	$	425,757,915	$	191,714,222	$	392,718,848	$	31,396,676		$	260,917,009	$	68,851,027	$	62,522,516	$	405,048,854
Reinsurance	5,052,354		184,422,935		28,913,062		122,787,418		11,634,972			72,370,440		25,876,641		3,231,925		129,027,846
Parent company	—		—		—		—		(9,473		)	—		—		—		—
Consolidated	$	37,792,442	$	610,180,850	$	220,627,284	$	515,506,266	$	43,022,175		$	333,287,449	$	94,727,668	$	65,754,441	$	534,076,700

Year ended December 31, 2012
Property and casualty insurance	$	30,872,124	$	412,317,447	$	177,617,756	$	357,138,686	$	32,214,705		$	233,892,280	$	63,640,886	$	59,182,195	$	371,235,457
Reinsurance	3,553,469		170,779,518		18,597,709		101,707,313		11,940,123			69,495,435		20,633,887		1,736,396		107,246,028
Parent company	—		—		—		—		(9,754		)	—		—		—		—
Consolidated	$	34,425,593	$	583,096,965	$	196,215,465	$	458,845,999	$	44,145,074		$	303,387,715	$	84,274,773	$	60,918,591	$	478,481,485

Year ended December 31, 2011
Property and casualty insurance	$	28,342,752	$	419,991,246	$	164,048,988	$	321,649,215	$	33,718,436		$	251,449,247	$	57,548,814	$	53,783,546	$	333,294,142
Reinsurance	2,506,965		173,309,001		16,640,389		94,753,098		12,395,350			91,525,190		19,769,243		731,896		96,493,350
Parent company	—		—		—		—		(2,861		)	—		—		—		—
Consolidated	$	30,849,717	$	593,300,247	$	180,689,377	$	416,402,313	$	46,110,925		$	342,974,437	$	77,318,057	$	54,515,442	$	429,787,492

- Definition

The entire disclosure for required supplementary insurance information giving segment detail in support of various balance sheet and income statement captions. The balance sheet information generally is presented as of the date of each audited balance sheet filed, and the income statement information generally is presented for each period for which an audited income statement is required to be filed. Supplementary insurance information table includes segment name; deferred policy acquisition costs; future policy benefits, losses, claims and loss expenses; unearned premiums; other policy claims and benefits payable; premium revenue; net investment income; benefits, claims, losses and settlement expenses; amortization of deferred policy acquisition costs; other operating expenses; and premiums written.

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