EMC Insurance Group Inc. Declares 112th Consecutive Quarterly Dividend.

DES MOINES, Iowa -- On November 11, 2009, the Board of Directors of EMC Insurance Group Inc. (Nasdaq:EMCI) declared a quarterly dividend of eighteen (18) cents per share of common stock payable December 3, 2009 to shareholders of record as of November 23, 2009. This is the one hundred and twelfth consecutive quarterly dividend declared since EMC Insurance Group Inc. became a publicly held company in February 1982.

EMC Insurance Group Inc., the publicly-held insurance holding company of EMC Insurance Companies, owns subsidiaries with operations in property and casualty insurance and reinsurance. EMC Insurance Companies is one of the largest property and casualty entities in Iowa and among the top 60 insurance entities nationwide based on premium volume. For more information, visit our website at www.emcinsurance.com.

The Private Securities Litigation Reform Act of 1995 provides issuers the opportunity to make cautionary statements regarding forward-looking statements. Accordingly, any forward-looking statement contained in this report is based on management's current beliefs, assumptions and expectations of the Company's future performance, taking into account all information currently available to management. These beliefs, assumptions and expectations can change as the result of many possible events or factors, not all of which are known to management. If a change occurs, the Company's business, financial condition, liquidity, results of operations, plans and objectives may vary materially from those expressed in the forward-looking statements. The risks and uncertainties that may affect the actual results of the Company include, but are not limited to, the following:

* catastrophic events and the occurrence of significant severe weather conditions;

* the adequacy of loss and settlement expense reserves;

* state and federal legislation and regulations;

* changes in the property and casualty insurance industry, interest rates or the performance of financial markets and the general economy;

* rating agency actions;

* "other-than-temporary" investment impairment losses; and

* other risks and uncertainties inherent to the Company's business, including those discussed under the heading "Risk Factors" in the Company's Annual Report on Form 10-K.

Management intends to identify forward-looking statements when using the words "believe", "expect", "anticipate", "estimate", "project" or similar expressions. Undue reliance should not be placed on these forward-looking statements.