The Company will host an earnings call at 11:00 a.m. eastern daylight time, July 23, 2009, to allow securities analysts, stockholders and other interested parties the opportunity to hear management discuss the Company's quarterly results, as well as its expectations for the remainder of 2009. Dial-in information for the call is toll-free 1-877-407-8031 (International: 201-689-8031). The event will be archived and available for digital replay through August 6, 2009. The replay access information is toll-free 1-877-660-6853 (International: 201-612-7415); passcodes (both required for playback) are account no. 286; conference ID no. 327390. A webcast of the teleconference will be presented by PrecisionIR and can be accessed at http://www.investorcalendar.com or from the Company's investor relations page at www.emcins.com/ir. The archived webcast will be available until July 23, 2010. A transcript of the teleconference will also be available on the Company's website shortly after the completion of the teleconference.

Second Quarter Reporting Change As reported in the Company's March 31, 2009 Form 10-Q, which was filed with the Securities and Exchange Commission on May 8, 2009, beginning in the second quarter of 2009 the Company will no longer report on a quarterly basis the amount of development experienced on prior years' reserves. This change in reporting is being implemented because management believes that there is potential for confusion among investors regarding the perceived impact development has on the Company's results of operations. Management has determined that continued reporting of the composition of the Company's underwriting results between the current and prior accident years increases the potential for misinterpretation and, in any event, is not material or relevant to an understanding of the Company's results of operations. From management's perspective, the more important issue is consistency of reserve adequacy. If reserves are maintained at a consistent level of adequacy (and all else remains equal), then development should be fairly consistent from year to year. Therefore, the source of earnings (current or prior accident years) is not relevant.