EXHIBIT 31.2

CERTIFICATIONS

I, Mark E. Reese, certify that:

1. I have reviewed this report on Form 10-Q of EMC Insurance Group Inc.;

2.	Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a
	material fact necessary to make the statements made, in light of the circumstances under which such
	statements were made, not misleading with respect to the period covered by this report;

3.	Based on my knowledge, the financial statements, and other financial information included in this report,
	fairly present in all material respects the financial condition, results of operations and cash flows of the
	registrant as of, and for, the periods presented in this report;

4.	The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure
	controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control
	over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and
	have:

a.	Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to
		be designed under our supervision, to ensure that material information relating to the registrant, including
		its consolidated subsidiaries, is made known to us by others within those entities, particularly during the
		period in which this report is being prepared;

b.	Designed such internal control over financial reporting, or caused such internal control over financial
		reporting to be designed under our supervision, to provide reasonable assurance regarding the
		reliability of financial reporting and the preparation of financial statements for external purposes in
		accordance with generally accepted accounting principles;

c.	Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this
		report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of
		the period covered by this report based on such evaluation; and

d.	Disclosed in this report any change in the registrant's internal control over financial reporting that
		occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case
		of an annual report) that has materially affected, or is reasonably likely to materially affect, the
		registrant's internal control over financial reporting; and

5.	The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal
	control over financial reporting, to the registrant's auditors and the audit committee of registrant's board of
	directors (or persons performing the equivalent functions):

a.	All significant deficiencies and material weaknesses in the design or operation of internal control over
		financial reporting which are reasonably likely to adversely affect the registrant's ability to record,
		process, summarize and report financial information; and

b.	Any fraud, whether or not material, that involves management or other employees who have a significant
		role in the registrant's internal control over financial reporting.

Date: November 14, 2005

/s/ Mark E. Reese

Mark E. Reese, Senior Vice President

and Chief Financial Officer

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