Topic Listing for EMC Insurance Group

Accounts Acquisition Expense Ratio
Acquisition Other Expenses Action Authorized Representative Claimant
Active Participant Addendum
Adjusted Adjustments Deferred Compensation Account
Administration Administration Committee
Adoption Agreement Allocation Responsibilities
Although Consistently Paid Cash Dividends Past Not Able Amendment
Amendment Termination Amendment Termination Plan
Amendments Announces Earnings Call
Annual Operating Income Guidance Per Share 120 145 Authority Interpret Plan
Authorization Stock Repurchase Program Available Information
Beneficial Ownership Reporting Compliance Beneficiary
Beneficiary Designation Benefit Plans
Benefits Not Assignable Benefits Not Assignable Facility Payments
Best Rating Bests Rating
Board Board Directors
Bona Fide Bureau Pool Lloyds Syndicate
Business Highly Cyclical Competitive Make Difficult Market Products Business Not Continue Grow Adversely Affected Cannot Retain
By-laws Other Powers Emergency Calculations Rounded Nearest One-tenth Percent
Calculations Rounded Nearest Tenth Percent Cause
Cautionary Statement Regarding Forward-looking Statements Certifications
Change Control Changes 2006
Changes Loss Settlement Expense Reserve Estimates Prior Periods Claims Management
Claims Procedure Combined Ratio
Committee Committee Meetings
Committee Officers Subcommittee Committee Records
Committees Communication Participants
Compared 2003 Compared 2004
Compared 2005 Compared 2006
Compensation Members Competition
Competitive Insurance Marketplace Conflicts Interest
Consecutive Quarterly Dividend Consent Independent Registered Public Accounting Firm
Construction Contingent Salary Percentage
Continuation Employment Continuation Significant Hurricane Activity Adversely Affect Business Financial
Contractual Liability Contractual Liability Trust
Contributions Correction Errors
Crediting Date Critical Accounting Policies
Dakota Fire Insurance Death
Death Beneficiary Death Participant
Decision Review Deemed Investments
Default Beneficiary Deferred Compensation Account
Deferred Income Taxes Deferred Policy Acquisition Costs Related Amortization
Definitions Dependent Dividends Subsidiaries Payment Operating Expenses Stockholders However
Des Moines 50309 Developing Implementing Strategies Facilitate Profitable Growth
Developments Insurance Regulation Direct Premiums Written
Director Beneficiary Director Conflicts Interest
Disability Disabled
Dividend Reinvestment Plan Dividends
Documents Incorporated Reference Earnings Call
Earnings Guidance Education Account
Education Withdrawals Effective Date
Eligibility Eligibility Employer Match
Eligibility Participation Eligible Employees
Emc Insurance Group Inc Emc Property Casualty
Emc Reinsurance Emcasco Insurance
Employee Employee Retirement Plans
Employee Stock Purchase Plan Employees
Employees Agents Employer
Employer Credits Employer Profit Sharing Credits
Employers Mutual Ability Determine Outcome Matters Submitted Stockholders Employers Mutual Casualty
Employers Mutual Casualty Board Executive Nonqualified Excess Plan Employers Mutual Companies
End 2005 Earnings Results Establishment Plan
Establishment Purpose Establishment Rules
Executive Nonqualified Excess Plan Executive Nonqualified Excess Plan Employers Mutual Casualty
Executive Officers Executive Terminating Employment Prior End Bonus Established Not
Executives Eligible Bonus Exhibits
Expense Reimbursement Explanatory
Factors Maximum Bonus Failure Pool Participants Maintain Current Financial Strength Rating
Farm City Insurance Filing Claim Benefits
Financial Information Industry Segments Financial Triggers
Foreign Currency Transactions Forward-looking Statements
Gaap Combined Ratio Gaap Combined Ratio 1024
Gaap Combined Ratio 841 Gaap Combined Ratio 912
Gaap Combined Ratio 944 Gaap Combined Ratio 963
General Bonus Calculation General Conditions
General Provisions Goodwill
Hamilton Mutual Insurance Hardship
Headings Ibnr Reserve Accident Allocation Factors
Illinois Emcasco Insurance Impact Inflation
In-service Account In-service Distributions
Income Tax Income Taxes
Incumbent Directors Indemnification
Independent Contractor Index Exhibits
Industry Overview Informal Funding
Initial Industry Estimate Published Best Number Used Calculation Insolvency Employers Mutual Subsidiaries Affiliate Result Additional Liabilities
Interest Liabilities Interests Liability
Internal Control Over Financial Reporting Investment Impairments
Investment Management Agreement Investment Portfolio Subject Economic Loss Principally Changes Market
Investment Restrictions Investment Results
Investments Level Includes Vice Presidents Holding Title Less Not
Liquidity Loss Settlement Expense Ratio
Losses Associated Midwest Storms Losses Related Terrorist Attack Material Adverse Impact Business
Losses Settlement Expenses Lost Distributees
Maintaining Adequate Consistent Loss Settlement Expense Reserves Management Issues Perspectives
Managements Report Internal Control Over Financial Reporting Manner Timing Payment Benefits
Maximum Bonus Measurement Results
Membership Committee Merger Consolidation Assumption Plan
Merger Farm City Insurance Emcasco Minimis Amounts
Modifications Payment Schedules Mutual Reinsurance Bureau Pool
Net Income Per Share Basic Diluted Net Premiums Written
New Accounting Pronouncements New Pricing Claims Coverage Issues Class Action Litigation
Non-employee Director Stock Option Plan Non-employee Director Stock Purchase Plan
Not Successful Reducing Risks Increasing Underwriting Capacity Through Notices
Notification Claimant Decision Now Therefore Consideration Mutual Covenants Conditions Contained Herein
Off-balance Sheet Arrangements Officers
Offices Operations Integrated Those Employers Mutual Parent Corporation Potential
Organizational Chart Other Employer Credits
Other Expense Other Information
Overview Page
Part Participant
Participating Employer Participating Employers
Party Advisors Payment Options
Payments Minors Others Performance-based Compensation
Plan Plan Administration
Plan Administrator Plan Benefits
Plan-approved Domestic Relations Order Plan-approved Domestic Relations Orders
Pool Participants Currently Conduct Business States Concentration Midwest Power Attorney
Powers Committee Premium Income
Premiums Earned Premiums Written Assumed Affiliates
Presentation Management Principles Consolidation Basis Presentation
Procedural Rules Procedure Review
Processes Assumptions Establishing Loss Settlement Expense Reserves Profitability Reinsurance Subsidiary Dependent Experience Employers Mutual Changes
Profitable Growth Property Casualty Insurance
Property Casualty Insurance Reinsurance Property Casualty Insurance Reinsurance Operations
Property Casualty Insurance Segment Property Casualty Insurance Subsidiaries
Proposed Merger Farm City Insurance Emcasco Proposed Redemption Reinsurance Subsidiarys Surplus Notes
Purpose Pursuant Securities Exchange Act 1934
Qualifying Distribution Event Receipt Release Payments
Recent Midwest Floods Reclassifications
Record Catastrophe Storm Losses Redemption Reinsurance Subsidiarys Surplus Notes
Regulation Regulation Premium Rates Approval Policy Forms
Reinsurance Reinsurance Segment
Reinsurance Subsidiary Reliance Data
Relies Employer Mutuals Information Technology Telecommunication Systems Failure Relies Employers Mutual Provide Employees Facilities Information Technology
Report Independent Registered Public Accounting Firm Report Independent Registered Public Accounting Firm Schedules
Required Licensing Residential Mortgage-backed Securities Investment Strategy
Restrictions Cancellation Non-renewal Withdrawal Results Operations Suffer Pool Participants Forecast Future Losses
Revises Annual Guidance Rewritten Effective 1987
Salary Deferral Agreement Salary Deferral Credits
Secretary State Iowa Senior Executive Compensation Bonus Program
Separation Service Service
Service Bonus Services Agreement
Set Off Settlements
Shareholders Signatures
Statutory Combined Ratio Step
Stock Appreciation Right Sar Agreement Stock Plans
Stock Purchase Plan Stock-based Compensation
Student Subsequent Elections
Subsidiary Employers Mutual Casualty Supplemental Retirement Plan
Surplus Surviving Spouse
Table Contents Termination Before 2005
Termination Change Control Transaction Business
Transfers Funds Securities Contracts Loans Transition Period
Trust Trustee
Underwriters Unforeseeable Emergency
Union Insurance Providence Unit
Unit Value Unresolved Staff Comments
Valuation Account Balances Investments Value
Variability Loss Settlement Expense Reserves Vesting
Whereas Without Way Restricting Operation Paragraphs Clause Paragraph Shall
Witness Whereof Undersigned Executed Plan 2006 Effective Date Words Printed Italics Limited Exclusion Provision Broad Shall
Written Premium Xix
Xvi Xvi Miscellaneous Provisions
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