Schedule VI - Supplemental Information Concerning Property-Casualty Insurance Operations

12 Months Ended

Dec. 31, 2013

EMC INSURANCE GROUP INC. AND SUBSIDIARIES

Schedule VI – Supplemental Information Concerning

Property-Casualty Insurance Operations

For Years Ended December 31, 2013, 2012 and 2011



	Deferred policy acquisition costs		Reserves for losses and settlement expenses		Discount, if any, deducted from reserves		Unearned premiums		Earned premiums		Net investment income
Year ended December 31, 2013	$	37,792,442	$	610,180,850	$	—	$	220,627,284	$	515,506,266	$	43,031,648
Year ended December 31, 2012	$	34,425,593	$	583,096,965	$	—	$	196,215,465	$	458,845,999	$	44,154,828
Year ended December 31, 2011	$	30,849,717	$	593,300,247	$	—	$	180,689,377	$	416,402,313	$	46,113,786



	Losses and settlement expenses incurred related to					Amortization of deferred policy acquisition costs		Paid losses and settlement expenses		Premiums written
	Current year		Prior years			Amortization of deferred policy acquisition costs		Paid losses and settlement expenses		Premiums written
Year ended December 31, 2013	$	346,072,934	$	(12,785,485	)	$	94,727,668	$	305,266,843	$	534,076,700
Year ended December 31, 2012	$	329,120,220	$	(25,732,505	)	$	84,274,773	$	308,137,204	$	478,481,485
Year ended December 31, 2011	$	376,073,620	$	(33,099,183	)	$	77,318,057	$	313,986,687	$	429,787,492