Financial Strength

EMC Reinsurance (EMC Re) uses Employers Mutual Casualty Company’s (EMCC) paper to write assumed reinsurance business. EMCC has maintained its reputation as a strong, financially stable company for over 100 years. This solid financial foundation means we have the capital to write high-quality, well-priced reinsurance business.

Financial Overview

EMC Insurance Companies (consolidated - includes EMCC and EMC Re)
A.M. Best Rating A (Excellent)
BCAR* 304.8
Total Assets $4.39 billion
Surplus $1.63 billion
A.M. Best Rating A (Excellent)
BCAR* 293.0
Total Assets $467 million
Surplus $208 million

Financials as of Dec. 31, 2016
*Best’s Capital Adequacy Ratio (BCAR) as of as of Feb. 21, 2017


EMCC Written Premium/Surplus

As of Dec. 31, 2017

EMCC Surplus bar graph


Reinsurance Earned Premium Breakdown

As of Dec. 31, 2017

EMCC Earned premium pie graph