EMC Insurance Group Inc. said Monday that it expects improving fourth-quarter and full-year operating results when it announces earnings next month. The Des Moines-based property/casualty insurer said it expects premium income to increase by 10.2 percent for the year ended Dec. 31 and that operating income will be approximately $2.54 per share. The company's most recent guidance had anticipated operating income of $2.05 to $2.30 per share. Catastrophe and storm losses for 2012 are expected to total approximately $53.46 million, significantly less than the unprecedented $88.3 million in losses in 2011. EMC's fourth-quarter and year-end earnings results will be released before the market opens on Feb. 20.