UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): February 23, 2005
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EMC INSURANCE GROUP INC.
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(Exact name of registrant as specified in its charter)
Iowa 0-10956 42-623455
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(State or other jurisdiction of (Commission (I.R.S. Employer
incorporation) File Number) Identification No.)
717 Mulberry Street, Des Moines, Iowa 50309
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(Address of principal executive office) (Zip Code)
(515) 280-2902
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(Registrant's telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any
of the following provisions:
[ ] Written communications pursuant to Rule 425 under the Securities Act
(17 CFR 230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
(17 CFR 240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
Exchange Act (17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
Exchange Act (17 CFR 240.13e-4(c))
Item 7.01 Regulation FD Disclosure
On February 23, 2005, EMC Insurance Group Inc. issued the following
press release:
EMC INSURANCE GROUP INC. ANNOUNCES
TELECONFERENCE CALL TO DISCUSS
FOURTH QUARTER 2004 RESULTS
DES MOINES, Iowa (February 23, 2005) - On February 24, 2005, EMC Insurance
Group Inc. (Nasdaq/NM:EMCI) (the "Company") will hold an earnings
teleconference call at 1:30 p.m. eastern standard time to allow securities
analysts, shareholders and other interested parties the opportunity to hear
management discuss the Company's quarterly results. Dial-in information for
the call is toll-free 1-877-407-8289. The event will be archived and
available for digital replay through March 3, 2005. The replay access
information is toll-free 1-877-660-6853; account number 1628; conference ID
number 136133.
A webcast of the teleconference will be archived by Vcall and can be accessed
from the Company's investor relations page at www.emcinsurance.com or at
www.Vcall.com after 3:00 p.m. eastern standard time on February 24, 2005. The
archived webcast will be available for one year.
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 groups in Iowa and among the top 60 insurance
groups nationwide. For more information, visit our website.
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 our industry, interest rates or the
performance of financial markets and the general economy; rating agency
actions and other risks and uncertainties inherent to the Company's business.
When we use the words "believe", "expect", "anticipate", "estimate" or
similar expressions, we intend to identify forward-looking statements. You
should not place undue reliance on these forward-looking statements.
Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
EMC INSURANCE GROUP INC.
Registrant
/s/ Bruce G. Kelley
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Bruce G. Kelley
President & Chief Executive Officer
/s/ Mark E. Reese
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Mark E. Reese
Sr. Vice President &
Chief Financial Officer
February 23, 2005