Schedule III - Supplementary Insurance Information

12 Months Ended

Dec. 31, 2014

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, 2014, 2013 and 2012



($ in thousands, except share and per share amounts)
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, 2014
Property and casualty insurance	$	33,855	$	463,458	$	204,357	$	422,381	$	33,509		$	298,033	$	72,768	$	54,385	$	433,707
Reinsurance	5,488		197,851		27,736		118,341		12,968			87,441		26,274		2,441		118,903
Parent company	—		—		—		—		(12		)	—		—		—		—
Consolidated	$	39,343	$	661,309	$	232,093	$	540,722	$	46,465		$	385,474	$	99,042	$	56,826	$	552,610

Year ended December 31, 2013
Property and casualty insurance	$	32,740	$	425,758	$	191,714	$	392,719	$	31,397		$	260,917	$	68,851	$	62,522	$	405,049
Reinsurance	5,052		184,423		28,913		122,787		11,635			72,370		25,877		3,232		129,028
Parent company	—		—		—		—		(10		)	—		—		—		—
Consolidated	$	37,792	$	610,181	$	220,627	$	515,506	$	43,022		$	333,287	$	94,728	$	65,754	$	534,077

Year ended December 31, 2012
Property and casualty insurance	$	30,872	$	412,317	$	177,618	$	357,139	$	32,214		$	233,892	$	63,641	$	59,183	$	371,235
Reinsurance	3,554		170,780		18,597		101,707		11,941			69,496		20,634		1,736		107,246
Parent company	—		—		—		—		(10		)	—		—		—		—
Consolidated	$	34,426	$	583,097	$	196,215	$	458,846	$	44,145		$	303,388	$	84,275	$	60,919	$	478,481

- 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.

+ References+ Details