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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* 300.5
Total Assets $4.6 billion
Surplus $1.71 billion
A.M. Best Rating A (Excellent)
BCAR* 271.2
Total Assets $492 million
Surplus $216 million

Financials as of Dec. 31, 2017
*Best’s Capital Adequacy Ratio (BCAR) as of as of July 7, 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