Schedule VI - Supplemental Information Concerning Property-Casualty Insurance Operations

12 Months Ended

Dec. 31, 2017

EMC INSURANCE GROUP INC. AND SUBSIDIARIES

Schedule VI – Supplemental Information Concerning

Property-Casualty Insurance Operations

For Years Ended December 31, 2017, 2016 and 2015



($ 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, 2017	$	41,114	$	732,612	$	—	$	257,797	$	607,158	$	45,441
Year ended December 31, 2016	$	40,939	$	690,532	$	—	$	244,885	$	592,408	$	47,477
Year ended December 31, 2015	$	40,720	$	678,774	$	—	$	239,435	$	570,266	$	45,591



	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, 2017	$	441,588	$	(19,619	)	$	108,910	$	392,586	$	616,301
Year ended December 31, 2016	$	427,838	$	(40,941	)	$	108,403	$	372,888	$	594,703
Year ended December 31, 2015	$	405,850	$	(35,114	)	$	102,184	$	348,081	$	578,938