Schedule VI - Supplemental Information Concerning Property-Casualty Insurance Operations

12 Months Ended

Dec. 31, 2015

EMC INSURANCE GROUP INC. AND SUBSIDIARIES

Schedule VI – Supplemental Information Concerning

Property-Casualty Insurance Operations

For Years Ended December 31, 2015, 2014 and 2013



($ in thousands)	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, 2015	$	40,720	$	678,774	$	—	$	239,435	$	570,266	$	45,591
Year ended December 31, 2014	$	39,343	$	661,309	$	—	$	232,093	$	540,722	$	46,477
Year ended December 31, 2013	$	37,792	$	610,181	$	—	$	220,627	$	515,506	$	43,032



	Losses and settlement expenses incurred related to					Amortization of deferred policy acquisition costs		Paid losses and settlement expenses		Premiums written
($ in thousands)	Current year		Prior years			Amortization of deferred policy acquisition costs		Paid losses and settlement expenses		Premiums written
Year ended December 31, 2015	$	405,850	$	(35,114	)	$	102,184	$	348,081	$	578,938
Year ended December 31, 2014	$	406,266	$	(20,792	)	$	99,042	$	330,087	$	552,610
Year ended December 31, 2013	$	346,072	$	(12,785	)	$	94,728	$	305,266	$	534,077