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2007 Auto Insurance Market Share Report document sample
Document Sample
2009 Market Share Report Page 1
3 Years of History
Lines of Business: Surety
States: GT
Entity Type(s): Group and Non-Affiliates
Data and ratios derived from the State Page Exhibit of Premiums and Losses. State Fu n ds Exclu ded
Code Name Group
Rank
PCOMP Industry Aggregate Line/State Totals
1 P3548 Travelers Group* TRAVELERS GROUP
2 P0111 Liberty Mutual Insurance Group* LIBERTY MUTUAL INSURANCE GROUP
3 P0212 Zurich Insurance Group* ZURICH INSURANCE GROUP
4 P0218 CNA Insurance Group* CNA INSURANCE GROUP
5 P0038 Chubb & Son Group* CHUBB & SON INC GROUP
6 P0984 HCC Insurance Holdings Group* HCC INSURANCE HOLDINGS GROUP
7 P0091 Hartford Fire & Casualty Group* HARTFORD FIRE & CASUALTY GROUP
8 11592 International Fidelity Insurance Co N/A
9 P0626 ACE Ltd Group* ACE LTD GROUP
10 P0084 American Financial Insurance Group* AMERICAN FINANCIAL GROUP
11 P0088 Hanover Insurance Group* THE HANOVER INSURANCE GROUP
12 P0181 Swiss Reinsurance Group* SWISS REINSURANCE GROUP
13 P3488 Bond Safeguard Group* J A PATTERSON GROUP
14 P1279 Arch Capital Group* ARCH CAPITAL GROUP
15 P0012 American International Group* AMERICAN INTL GROUP
16 P0783 RLI Insurance Group* RLI INSURANCE GROUP
17 P0228 Westfield Group* WESTFIELD GROUP
18 P0075 INSCO Insurance Services Group* INSCO INSURANCE SERVICES GROUP
19 P3479 Merchants Bonding Co Group* MERCHANTS BONDING CO GROUP
20 P0244 Cincinnati Financial Group* CINCINNATI FINANCIAL GROUP
21 P0098 WR Berkley Group* WR BERKLEY CORP GROUP
22 P0501 Alleghany Group* ALLEGHANY GROUP
23 P0150 Old Republic Group* OLD REPUBLIC GROUP
24 P3592 ProAlliance Group* PROALLIANCE GROUP
25 P0689 Bankers Insurance Group* BANKERS INSURANCE GROUP
26 P0922 ICW Group* AMERICAN ASSETS GROUP
27 37206 Contractors Bonding & Insurance Co N/A
28 13285 Allegheny Mutual Casualty Company N/A
29 P0062 EMC Insurance Group* EMC INSURANCE CO GROUP
30 36650 Guarantee Co of North America USA N/A
31 26310 Granite Re Inc N/A
32 P0248 United Fire & Casualty Group* UNITED FIRE & CASUALTY GROUP
33 P0031 Berkshire Hathaway Ins. Group* BERKSHIRE HATHAWAY GROUP
34 28519 First Sealord Surety Inc N/A
35 P0017 Life of the South Corp Group* LIFE OF THE SOUTH CORP GROUP
36 P0311 Main Street America Group* MAIN STREET AMER GROUP
37 P1326 Kingsway Group* KINGSWAY GROUP
38 P0457 Argonaut Group* ARGONAUT GROUP
39 P0158 Fairfax Financial Group* FAIRFAX FINANCIAL GROUP
40 P0140 Nationwide Group* NATIONWIDE CORP GROUP
41 P0242 Selective Insurance Group* SELECTIVE INSURANCE GROUP
42 P0761 Allianz Insurance Group* ALLIANZ INSURANCE GROUP
43 P1346 American Safety Holding Group* AMERICAN SAFETY HOLDING GROUP
44 P0313 Aegis Group* AEGIS GROUP
45 37940 Lexington National Insurance Corp N/A
46 P4641 D & J Rottman Group* D & J ROTTMAN GROUP
47 P0176 State Farm IL Group* STATE FARM GROUP
48 P0280 Auto Owners Group* AUTO OWNERS GROUP
49 10758 Colonial Surety Co N/A
50 P0661 BCBS of SC Group* BCBS OF SC GROUP
51 P0781 Union Labor Group* UNION LABOR GROUP
52 35009 Financial Casualty & Surety Inc N/A
53 P0074 Delphi Financial Group* DELPHI FINANCIAL GROUP
54 P0510 Navigators Group* NAVIGATORS GROUP
55 P0271 Pennsylvania National Ins Group* PENNSYLVANIA NATL INSURANCE GROUP
56 31380 American Surety Company N/A
57 26379 Accredited Surety & Casualty Co Inc N/A
58 P1243 West Bend Mutual Group* WEST BEND MUTUAL GROUP
59 26565 Ohio Indemnity Co N/A
60 P0670 Fidelity National Financial Group* FIDELITY NATL FINANCIAL GROUP
61 P0213 Erie Insurance Group* ERIE INSURANCE GROUP
62 P0587 Atlantic American Group* ATLANTIC AMER GROUP
63 P0199 Universal Surety Group* UNIVERSAL SURETY GROUP
64 38326 First Indemnity of America Ins Co N/A
65 P1208 Gray Insurance Group* GRAY INSURANCE GROUP
66 P0411 MAPFRE Insurance Group* MAPFRE INSURANCE GROUP
67 22950 Acstar Insurance Company N/A
68 P0201 Utica National Insurance Group* UTICA GROUP
69 P0019 Assurant Inc Group* ASSURANT INC GROUP
70 P0175 State Auto Mutual Group* STATE AUTO MUTUAL GROUP
71 35769 Lyndon Property Insurance Co PROTECTIVE LIFE INSURANCE GROUP
72 P1114 Mercer Insurance Group* MERCER INSURANCE GROUP
73 12296 Whitecap Surety Co N/A
74 18468 Indemnity Natl Ins Co N/A
75 28240 Service Ins Co N/A
76 10859 First Nonprofit Mutual Insurance Co MUTUAL INSURERS HOLDING GROUP
77 P0106 Island Insurance Group* ISLAND INSURANCE CO GROUP
78 36226 United Casualty & Surety Co Inc N/A
79 P0071 Universal Insurance Co Group* UNIVERSAL INSURANCE CO GROUP
80 10293 Integra Insurance Inc N/A
81 P3279 Insurors Indemnity Group* INSURORS IND GROUP
82 P0007 Federated Mutual Group* FEDERATED MUTUAL GROUP
83 P4152 ReliaMax Holding Group* RELIAMAX HOLDING GROUP
84 P0256 NY Marine & General Group* NEW YORK MARINE & GEN GROUP
85 P1285 XL America Group* XL AMER GROUP
86 P0246 Indiana Lumbermens Group* INDIANA LUMBERMENS GROUP
87 10909 Sun Surety Ins Co N/A
88 P0930 DHC Group* DHC GROUP
89 42706 Roche Surety and Casualty Inc N/A
90 32867 Universal Fire & Casualty Ins Co N/A
91 P0748 Meadowbrook Insurance Group* MEADOWBROOK INSURANCE GROUP
92 P0867 Baldwin & Lyons Group* BALDWIN & LYONS GROUP
93 12987 Benefit Security Ins Co N/A
94 13121 Palmetto Surety Corp N/A
95 28517 Victore Insurance Co N/A
96 P0108 Lumbermans Mutual Cas Group* LUMBERMANS MUTUAL CAS GROUP
97 34860 International Credit of N Amer REIN N/A
98 10906 Commercial Alliance Ins Co N/A
99 10499 Chrysler Ins Co N/A
100 41114 Atlantic Bonding Co N/A
All Other Companies
Detailed Line of Business allocations at a Grand Total level are available in the Insurance Expense Exhibit filing; this data can also be accessed via InsLink and the Insurance Expense Exhibit Application.
Historical MarketShare from Highline Data
2009 Market Share Report Page 2
3 Years of History
Lines of Business: Surety
States: GT
Entity Type(s): Group and Non-Affiliates
State Premiums and
Data and ratios derived from the State Page Exhibit ofFu n ds Exclu dedLosses.
Market Share (%) Growth
Code Name 2009 2008 2007 3yr CAGR
Rank
PCOMP Industry Aggregate Line/State Totals 100% 100% 100% 0.8%
1 P3548 Travelers Group* 17.9% 18.0% 18.6% -0.6%
2 P0111 Liberty Mutual Insurance Group* 14.0% 15.1% 6.3% 40.6%
3 P0212 Zurich Insurance Group* 9.4% 8.7% 8.3% 4.3%
4 P0218 CNA Insurance Group* 7.9% 7.9% 8.0% -0.9%
5 P0038 Chubb & Son Group* 5.4% 5.4% 5.6% 0.2%
6 P0984 HCC Insurance Holdings Group* 4.0% 3.5% 3.7% 9.0%
7 P0091 Hartford Fire & Casualty Group* 3.5% 3.8% 4.1% -4.3%
8 11592 International Fidelity Insurance Co 2.3% 2.2% 2.1% 6.9%
9 P0626 ACE Ltd Group* 2.1% 2.0% 2.2% 12.5%
10 P0084 American Financial Insurance Group* 2.0% 2.0% 2.0% 1.7%
11 P0088 Hanover Insurance Group* 1.9% 1.8% 1.4% 19.3%
12 P0181 Swiss Reinsurance Group* 1.8% 1.8% 1.7% 3.6%
13 P3488 Bond Safeguard Group* 1.7% 1.6%
14 P1279 Arch Capital Group* 1.5% 1.9% 2.3% -17.9%
15 P0012 American International Group* 1.5% 1.4% 1.7% -13.9%
16 P0783 RLI Insurance Group* 1.5% 1.3% 1.2% 6.3%
17 P0228 Westfield Group* 1.1% 1.2% 1.1% -1.4%
18 P0075 INSCO Insurance Services Group* 1.1% 1.2% 1.3% -6.2%
19 P3479 Merchants Bonding Co Group* 1.1% 0.9% 1.0% 2.7%
20 P0244 Cincinnati Financial Group* 0.9% 0.8% 0.8% 5.9%
21 P0098 WR Berkley Group* 0.9% 0.8% 0.7% 17.7%
22 P0501 Alleghany Group* 0.9% 0.9% 0.9% -4.5%
23 P0150 Old Republic Group* 0.8% 0.6% 0.7% 3.4%
24 P3592 ProAlliance Group* 0.7% 0.7% 0.7% -0.4%
25 P0689 Bankers Insurance Group* 0.6% 0.4% 0.4% 26.9%
26 P0922 ICW Group* 0.6% 0.8% 0.9% -14.6%
27 37206 Contractors Bonding & Insurance Co 0.6% 0.6% 0.6% -3.3%
28 13285 Allegheny Mutual Casualty Company 0.6% 0.6% 0.6% -3.5%
29 P0062 EMC Insurance Group* 0.6% 0.5% 0.5% -1.2%
30 36650 Guarantee Co of North America USA 0.6% 0.5% 0.3% 23.0%
31 26310 Granite Re Inc 0.4% 0.4% 0.3% 15.8%
32 P0248 United Fire & Casualty Group* 0.4% 0.5% 0.5% -6.8%
33 P0031 Berkshire Hathaway Ins. Group* 0.4% 0.7% 0.2% 22.2%
34 28519 First Sealord Surety Inc 0.4% 0.3% 0.3% 5.8%
35 P0017 Life of the South Corp Group* 0.4% 0.3% 0.3% 9.5%
36 P0311 Main Street America Group* 0.4% 0.4% 0.3% 7.5%
37 P1326 Kingsway Group* 0.3% 0.4% 0.6% -17.4%
38 P0457 Argonaut Group* 0.3% 0.1% 0.0% 212.2%
39 P0158 Fairfax Financial Group* 0.3% 0.3% 0.3% 3.5%
40 P0140 Nationwide Group* 0.3% 0.3% 0.3% -0.9%
41 P0242 Selective Insurance Group* 0.3% 0.3% 0.3% -2.0%
42 P0761 Allianz Insurance Group* 0.3% 0.2% 0.4% -0.3%
43 P1346 American Safety Holding Group* 0.3% 0.2% 0.1% 50.9%
44 P0313 Aegis Group* 0.3% 0.2% 0.2% 6.6%
45 37940 Lexington National Insurance Corp 0.3% 0.2% 0.2% 5.4%
46 P4641 D & J Rottman Group* 0.2% 0.2%
47 P0176 State Farm IL Group* 0.2% 0.2% 0.2% 3.0%
48 P0280 Auto Owners Group* 0.2% 0.2% 0.2% 14.6%
49 10758 Colonial Surety Co 0.2% 0.2% 0.2% -0.4%
50 P0661 BCBS of SC Group* 0.2% 0.2% 0.2% 23.9%
51 P0781 Union Labor Group* 0.2% 0.1% 0.0% -
52 35009 Financial Casualty & Surety Inc 0.2% 0.1% 0.1% 31.7%
53 P0074 Delphi Financial Group* 0.2% 0.2% 0.2% -3.6%
54 P0510 Navigators Group* 0.2% 0.2% 0.2% 5.6%
55 P0271 Pennsylvania National Ins Group* 0.2% 0.2% 0.2% 4.6%
56 31380 American Surety Company 0.2% 0.2% 0.2% -1.2%
57 26379 Accredited Surety & Casualty Co Inc 0.2% 0.2% 0.2% -27.6%
58 P1243 West Bend Mutual Group* 0.2% 0.1% 0.1% 21.5%
59 26565 Ohio Indemnity Co 0.1% 0.1% 0.1% 12.7%
60 P0670 Fidelity National Financial Group* 0.1% 0.1% 0.1% 8.3%
61 P0213 Erie Insurance Group* 0.1% 0.1% 0.1% 6.0%
62 P0587 Atlantic American Group* 0.1% 0.1% 0.2% -17.3%
63 P0199 Universal Surety Group* 0.1% 0.1% 0.1% -7.8%
64 38326 First Indemnity of America Ins Co 0.1% 0.1% 0.1% 13.2%
65 P1208 Gray Insurance Group* 0.1% 0.1% 0.1% 0.7%
66 P0411 MAPFRE Insurance Group* 0.1% 0.1% 0.2% -17.2%
67 22950 Acstar Insurance Company 0.1% 0.1% 0.2% -30.9%
68 P0201 Utica National Insurance Group* 0.1% 0.1% 0.1% -8.5%
69 P0019 Assurant Inc Group* 0.1% 0.1% 0.1% 3.9%
70 P0175 State Auto Mutual Group* 0.1% 0.1% 0.1% -0.6%
71 35769 Lyndon Property Insurance Co 0.1% 0.1% 0.1% -24.0%
72 P1114 Mercer Insurance Group* 0.1% 0.1% 0.1% -14.8%
73 12296 Whitecap Surety Co 0.1% 0.1% 0.1% -7.4%
74 18468 Indemnity Natl Ins Co 0.1% 0.1% 0.0% 31.6%
75 28240 Service Ins Co 0.1% 0.0% 0.0% 14.0%
76 10859 First Nonprofit Mutual Insurance Co 0.1% 0.0% 0.0% -
77 P0106 Island Insurance Group* 0.1% 0.1% 0.1% -6.3%
78 36226 United Casualty & Surety Co Inc 0.1% 0.1% 0.1% -2.6%
79 P0071 Universal Insurance Co Group* 0.1% 0.1% 0.1% -2.5%
80 10293 Integra Insurance Inc 0.1% 0.1% 0.1% -10.8%
81 P3279 Insurors Indemnity Group* 0.1% 0.0% 0.0% 10.2%
82 P0007 Federated Mutual Group* 0.0% 0.1% 0.1% -5.3%
83 P4152 ReliaMax Holding Group* 0.0% 0.0% 0.0% 6.2%
84 P0256 NY Marine & General Group* 0.0% 0.0% 0.0% 4.5%
85 P1285 XL America Group* 0.0% 0.1% 0.1% -38.4%
86 P0246 Indiana Lumbermens Group* 0.0% 0.1% 0.1% 0.1%
87 10909 Sun Surety Ins Co 0.0% 0.0% 0.0% 2.7%
88 P0930 DHC Group* 0.0% 0.0% 0.0% 1772.7%
89 42706 Roche Surety and Casualty Inc 0.0% 0.0% 0.0% 3.6%
90 32867 Universal Fire & Casualty Ins Co 0.0% 0.0% 0.0% 7.6%
91 P0748 Meadowbrook Insurance Group* 0.0% 0.0% 0.0% 193.8%
92 P0867 Baldwin & Lyons Group* 0.0% 0.0% 0.0% 2.4%
93 12987 Benefit Security Ins Co 0.0% 0.0% 0.0%
94 13121 Palmetto Surety Corp 0.0% 0.0% 0.0%
95 28517 Victore Insurance Co 0.0% 0.0% 0.0% -8.2%
96 P0108 Lumbermans Mutual Cas Group* 0.0% 0.0% 0.1% -26.5%
97 34860 International Credit of N Amer REIN 0.0% 0.0% 0.0% -
98 10906 Commercial Alliance Ins Co 0.0% 0.0% 0.0% -
99 10499 Chrysler Ins Co 0.0% 0.0% 0.0% 5.0%
100 41114 Atlantic Bonding Co 0.0% 0.0% 0.0% 13.8%
All Other Companies 0.4% 1.5% 11.3%
Detailed Line available in the Insurance Grand Total level are this data can also be accessed via Exhibit filing; this data can also be Exhibit Application.
tions at a Grand Total level are of Business allocations at aExpense Exhibit filing;available in the Insurance Expense InsLink and the Insurance Expense accessed via InsLink and the Insurance Expense Exhibit Application.
Historical MarketShare from Highline Data
2009 Market Share Report Page 3
3 Years of History
Lines of Business: Surety
States: GT
Entity Type(s): Group and Non-Affiliates
Data and ratios derived from the State Page Exhibit of Premiums and Losses.
Direct Premiums Written Direct Losses Incurred
Code Name 2009 2008 2007
Rank
PCOMP Industry Aggregate Line/State Totals 5,165,830,213 5,516,959,224 5,455,594,841
1 P3548 Travelers Group* 924,173,008 991,622,397 1,017,180,430
2 P0111 Liberty Mutual Insurance Group* 723,214,004 832,837,018 341,250,238
3 P0212 Zurich Insurance Group* 486,753,863 482,534,915 451,511,432
4 P0218 CNA Insurance Group* 406,141,293 434,336,484 436,119,894
5 P0038 Chubb & Son Group* 276,977,328 297,286,287 303,639,444
6 P0984 HCC Insurance Holdings Group* 206,720,748 190,926,601 202,355,588
7 P0091 Hartford Fire & Casualty Group* 181,037,257 210,598,774 223,298,096
8 11592 International Fidelity Insurance Co 117,983,963 118,769,830 113,844,784
9 P0626 ACE Ltd Group* 109,048,821 109,099,679 118,743,840
10 P0084 American Financial Insurance Group* 104,470,062 108,694,388 108,697,067
11 P0088 Hanover Insurance Group* 100,061,100 96,771,455 78,516,710
12 P0181 Swiss Reinsurance Group* 93,875,162 101,786,548 91,010,747
13 P3488 Bond Safeguard Group* 86,665,405 86,852,650
14 P1279 Arch Capital Group* 78,606,428 105,916,055 127,067,051
15 P0012 American International Group* 77,251,939 76,559,937 94,716,314
16 P0783 RLI Insurance Group* 77,041,705 73,007,842 66,679,242
17 P0228 Westfield Group* 58,307,591 65,564,630 61,991,226
18 P0075 INSCO Insurance Services Group* 57,356,313 68,131,444 68,841,345
19 P3479 Merchants Bonding Co Group* 55,232,096 51,763,692 52,120,087
20 P0244 Cincinnati Financial Group* 48,888,147 46,796,669 42,423,260
21 P0098 WR Berkley Group* 48,766,601 42,424,766 40,077,427
22 P0501 Alleghany Group* 44,523,403 48,156,503 51,110,606
23 P0150 Old Republic Group* 39,291,638 35,592,358 36,171,705
24 P3592 ProAlliance Group* 34,256,572 37,480,956 35,797,727
25 P0689 Bankers Insurance Group* 31,745,620 23,539,493 19,402,711
26 P0922 ICW Group* 30,332,913 44,716,269 48,440,084
27 37206 Contractors Bonding & Insurance Co 29,162,775 32,739,415 33,762,857
28 13285 Allegheny Mutual Casualty Company 29,106,338 33,423,456 31,600,185
29 P0062 EMC Insurance Group* 28,715,810 29,658,419 29,988,521
30 36650 Guarantee Co of North America USA 28,444,497 26,073,477 18,628,905
31 26310 Granite Re Inc 22,280,067 20,521,480 18,092,758
32 P0248 United Fire & Casualty Group* 21,981,338 25,135,981 26,694,254
33 P0031 Berkshire Hathaway Ins. Group* 21,529,991 38,402,177 13,360,093
34 28519 First Sealord Surety Inc 19,739,256 19,106,092 17,663,129
35 P0017 Life of the South Corp Group* 19,695,001 18,539,028 17,482,010
36 P0311 Main Street America Group* 19,265,966 20,159,441 17,811,237
37 P1326 Kingsway Group* 18,035,500 23,184,573 31,355,340
38 P0457 Argonaut Group* 17,252,828 2,958,048 658,820
39 P0158 Fairfax Financial Group* 16,708,158 17,407,255 15,038,799
40 P0140 Nationwide Group* 15,520,763 17,962,212 17,419,498
41 P0242 Selective Insurance Group* 15,048,444 15,078,232 15,979,171
42 P0761 Allianz Insurance Group* 14,733,822 9,906,590 22,417,567
43 P1346 American Safety Holding Group* 14,401,349 11,529,025 6,668,900
44 P0313 Aegis Group* 14,146,856 12,333,444 11,226,232
45 37940 Lexington National Insurance Corp 13,498,839 12,408,998 12,913,247
46 P4641 D & J Rottman Group* 12,613,092 11,982,388
47 P0176 State Farm IL Group* 12,435,450 12,262,532 12,081,964
48 P0280 Auto Owners Group* 12,431,994 10,712,870 10,086,343
49 10758 Colonial Surety Co 11,642,143 12,477,966 13,179,205
50 P0661 BCBS of SC Group* 10,840,177 10,336,444 9,154,027
51 P0781 Union Labor Group* 10,067,361 4,620,238 121,944
52 35009 Financial Casualty & Surety Inc 9,437,290 6,415,492 5,238,804
53 P0074 Delphi Financial Group* 9,379,753 9,737,404 10,328,566
54 P0510 Navigators Group* 8,389,336 8,940,586 9,320,026
55 P0271 Pennsylvania National Ins Group* 8,336,487 8,846,627 8,877,872
56 31380 American Surety Company 8,212,952 8,718,581 8,890,853
57 26379 Accredited Surety & Casualty Co Inc 8,128,039 10,967,032 13,103,824
58 P1243 West Bend Mutual Group* 7,919,486 7,182,623 5,667,038
59 26565 Ohio Indemnity Co 7,568,749 7,876,494 6,134,755
60 P0670 Fidelity National Financial Group* 6,857,540 5,553,169 4,783,065
61 P0213 Erie Insurance Group* 6,755,951 6,847,283 5,592,776
62 P0587 Atlantic American Group* 5,785,716 8,216,998 8,301,517
63 P0199 Universal Surety Group* 5,664,319 6,941,047 6,413,789
64 38326 First Indemnity of America Ins Co 5,294,745 4,130,311 3,683,628
65 P1208 Gray Insurance Group* 5,293,379 6,353,117 5,739,856
66 P0411 MAPFRE Insurance Group* 4,826,000 6,700,546 8,609,976
67 22950 Acstar Insurance Company 4,463,522 7,876,814 10,337,165
68 P0201 Utica National Insurance Group* 4,010,902 4,954,928 4,939,848
69 P0019 Assurant Inc Group* 3,785,674 3,717,242 3,868,168
70 P0175 State Auto Mutual Group* 3,700,424 3,002,604 3,435,245
71 35769 Lyndon Property Insurance Co 3,588,297 4,215,109 7,181,689
72 P1114 Mercer Insurance Group* 3,337,237 4,710,772 4,987,092
73 12296 Whitecap Surety Co 3,216,892 3,721,468 3,733,832
74 18468 Indemnity Natl Ins Co 3,174,057 2,862,062 2,017,680
75 28240 Service Ins Co 3,130,799 2,665,534 2,292,043
76 10859 First Nonprofit Mutual Insurance Co 3,030,986 0 0
77 P0106 Island Insurance Group* 2,965,135 3,938,424 4,082,118
78 36226 United Casualty & Surety Co Inc 2,958,740 3,266,178 3,317,405
79 P0071 Universal Insurance Co Group* 2,937,082 3,423,066 3,518,057
80 10293 Integra Insurance Inc 2,911,022 3,374,901 4,264,719
81 P3279 Insurors Indemnity Group* 2,673,969 2,730,744 2,052,093
82 P0007 Federated Mutual Group* 2,435,447 2,848,372 2,933,664
83 P4152 ReliaMax Holding Group* 2,373,209 (577,688) 577,935
84 P0256 NY Marine & General Group* 2,367,003 1,422,298 2,043,723
85 P1285 XL America Group* 2,324,115 3,853,910 7,304,267
86 P0246 Indiana Lumbermens Group* 2,321,094 3,562,572 2,760,090
87 10909 Sun Surety Ins Co 2,302,042 2,407,259 2,288,071
88 P0930 DHC Group* 2,298,784 1,472,030 155,156
89 42706 Roche Surety and Casualty Inc 2,297,779 2,330,492 2,395,721
90 32867 Universal Fire & Casualty Ins Co 2,293,175 2,230,797 2,063,800
91 P0748 Meadowbrook Insurance Group* 2,017,513 1,975,312 81,571
92 P0867 Baldwin & Lyons Group* 1,889,098 1,712,953 1,744,891
93 12987 Benefit Security Ins Co 1,854,260 2,072,532 1,754,835
94 13121 Palmetto Surety Corp 1,841,975 1,897,825 2,042,400
95 28517 Victore Insurance Co 1,561,948 2,212,489 2,208,476
96 P0108 Lumbermans Mutual Cas Group* 1,510,370 2,506,568 3,001,732
97 34860 International Credit of N Amer REIN 1,465,146 402,971 0
98 10906 Commercial Alliance Ins Co 1,428,950 1,158,836 177,538
99 10499 Chrysler Ins Co 1,275,512 1,297,427 1,500,052
100 41114 Atlantic Bonding Co 1,266,348 840,215 1,434,844
All Other Companies 22,951,170 82,757,477 614,020,515
Detailed Line of Business allocations at a Grand Total level are available in the Insurance Expense Exhibit filing; this data can also be accessed via InsLink and the Insurance Expense Exhibit Application.
Historical MarketShare from Highline Data
2009 Market Share Report Page 4
3 Years of History
Lines of Business: Surety
States: GT
Entity Type(s): Group and Non-Affiliates
Data and ratios derived from the State Page Exhibit of Premiums and Losses.
Direct Losses Incurred State Page Combined (%) - Incl. Divs
Code Name 2009 2008 2007
Rank
PCOMP Industry Aggregate Line/State Totals 1,003,515,931 669,790,701 951,701,892
1 P3548 Travelers Group* 48,257,219 (11,694,169) 229,672,612
2 P0111 Liberty Mutual Insurance Group* 159,329,590 124,773,653 54,608,574
3 P0212 Zurich Insurance Group* 13,442,780 16,550,133 49,823,216
4 P0218 CNA Insurance Group* 56,100,485 60,527,507 81,041,013
5 P0038 Chubb & Son Group* 1,557,591 99,632,674 (7,512,799)
6 P0984 HCC Insurance Holdings Group* 38,304,631 25,516,635 13,299,541
7 P0091 Hartford Fire & Casualty Group* 69,478,807 46,364,852 25,089,593
8 11592 International Fidelity Insurance Co 16,672,515 7,943,285 8,077,953
9 P0626 ACE Ltd Group* 14,696,024 39,814,639 5,408,951
10 P0084 American Financial Insurance Group* 22,354,482 11,763,283 21,292,963
11 P0088 Hanover Insurance Group* 61,728,839 11,480,903 14,983,320
12 P0181 Swiss Reinsurance Group* 20,256,314 16,948,629 21,173,265
13 P3488 Bond Safeguard Group* 23,186,595 19,303,082
14 P1279 Arch Capital Group* 64,175,417 57,340,651 150,807,161
15 P0012 American International Group* 122,388,866 (38,329,870) 9,690,605
16 P0783 RLI Insurance Group* 12,959,027 (843,472) 3,172,884
17 P0228 Westfield Group* 1,954,345 2,770,009 1,705,349
18 P0075 INSCO Insurance Services Group* 20,144,397 10,109,591 9,039,177
19 P3479 Merchants Bonding Co Group* 3,267,780 1,415,656 1,344,061
20 P0244 Cincinnati Financial Group* 15,849,638 16,354,499 5,147,942
21 P0098 WR Berkley Group* 5,450,026 4,978,962 5,268,308
22 P0501 Alleghany Group* 6,552,532 9,815,290 9,145,955
23 P0150 Old Republic Group* 7,539,036 3,244,163 2,991,671
24 P3592 ProAlliance Group* 388,086 646,248 411,202
25 P0689 Bankers Insurance Group* 12,956,425 8,685,468 6,865,878
26 P0922 ICW Group* 51,231,429 41,836,537 8,017,188
27 37206 Contractors Bonding & Insurance Co 3,061,189 1,949,065 1,016,650
28 13285 Allegheny Mutual Casualty Company 2,074,052 8,894 100,094
29 P0062 EMC Insurance Group* 4,647,351 1,087,675 8,667,126
30 36650 Guarantee Co of North America USA 2,622,890 7,569,724 2,041,561
31 26310 Granite Re Inc 5,823,479 4,907,038 3,388,107
32 P0248 United Fire & Casualty Group* 1,722,823 1,417,602 1,161,467
33 P0031 Berkshire Hathaway Ins. Group* (257,429) 17,569,215 629,976
34 28519 First Sealord Surety Inc 3,182,659 4,388,325 2,662,470
35 P0017 Life of the South Corp Group* 16,868,141 16,159,178 14,640,438
36 P0311 Main Street America Group* 8,895,021 309,439 2,152,912
37 P1326 Kingsway Group* 27,332,848 6,614,127 1,956,748
38 P0457 Argonaut Group* 1,340,732 559,140 (194,048)
39 P0158 Fairfax Financial Group* (140,203) (3,368,506) 6,991,018
40 P0140 Nationwide Group* 1,663,726 407,633 103,955
41 P0242 Selective Insurance Group* 2,659,942 1,985,574 2,583,947
42 P0761 Allianz Insurance Group* (12,693,898) (19,333,977) (2,482,579)
43 P1346 American Safety Holding Group* 4,640,746 957,066 33,604
44 P0313 Aegis Group* 3,468,056 441,435 1,439,356
45 37940 Lexington National Insurance Corp 482,385 94,209 76,305
46 P4641 D & J Rottman Group* 5,975,890 1,297,072
47 P0176 State Farm IL Group* 6,570,205 2,357,678 2,008,851
48 P0280 Auto Owners Group* 5,120,766 1,932,162 5,377,693
49 10758 Colonial Surety Co (87,178) 4,043,190 5,627,260
50 P0661 BCBS of SC Group* 3,052,626 1,289,200 673,259
51 P0781 Union Labor Group* 2,712,696 670,248 355,418
52 35009 Financial Casualty & Surety Inc 281,871 407,241 490,491
53 P0074 Delphi Financial Group* 1,408,633 1,402,230 1,610,262
54 P0510 Navigators Group* 847,656 2,278,963 (363,692)
55 P0271 Pennsylvania National Ins Group* 923,126 601,293 356,869
56 31380 American Surety Company 660,867 (101,312) 198,097
57 26379 Accredited Surety & Casualty Co Inc 730,763 486,362 1,509,791
58 P1243 West Bend Mutual Group* 925,535 473,685 (61,915)
59 26565 Ohio Indemnity Co 1,368,473 483,662 809,203
60 P0670 Fidelity National Financial Group* 4,131,279 3,426,758 2,854,869
61 P0213 Erie Insurance Group* 1,855,160 650,550 (7,906,391)
62 P0587 Atlantic American Group* 1,284,634 2,293,462 1,560,354
63 P0199 Universal Surety Group* 287,669 1,610,276 (66,670)
64 38326 First Indemnity of America Ins Co 1,348,446 1,869,234 66,821
65 P1208 Gray Insurance Group* 1,800,757 612,583 1,673,673
66 P0411 MAPFRE Insurance Group* 3,631,549 9,129,023 6,308,708
67 22950 Acstar Insurance Company (420,897) 74,029 2,382,754
68 P0201 Utica National Insurance Group* 690,690 3,012,783 1,214,907
69 P0019 Assurant Inc Group* (171,644) (292,977) (1,716,833)
70 P0175 State Auto Mutual Group* 1,067,854 (1,179,659) (235,542)
71 35769 Lyndon Property Insurance Co 1,385,946 2,349,962 4,316,281
72 P1114 Mercer Insurance Group* 2,244,956 3,622,907 1,969,385
73 12296 Whitecap Surety Co 0 0 0
74 18468 Indemnity Natl Ins Co 348,977 182,944 335,000
75 28240 Service Ins Co 165,801 190,973 143,291
76 10859 First Nonprofit Mutual Insurance Co 591,664 0 0
77 P0106 Island Insurance Group* 92,223 (337,437) (345,369)
78 36226 United Casualty & Surety Co Inc 0 0 5,000
79 P0071 Universal Insurance Co Group* 491,072 (90,566) (65,070)
80 10293 Integra Insurance Inc 0 0 0
81 P3279 Insurors Indemnity Group* 259,725 44,674 368,868
82 P0007 Federated Mutual Group* (21,969) 481,519 179,657
83 P4152 ReliaMax Holding Group* 0 (4,952) 140,741
84 P0256 NY Marine & General Group* 131,857 349,192 (28,785)
85 P1285 XL America Group* (719,559) 2,401,506 57,377,641
86 P0246 Indiana Lumbermens Group* 65,758 (159,930) 32,871
87 10909 Sun Surety Ins Co (33,118) 145,590 47,772
88 P0930 DHC Group* 72,465 50,642 14,844
89 42706 Roche Surety and Casualty Inc 0 0 0
90 32867 Universal Fire & Casualty Ins Co 0 0 0
91 P0748 Meadowbrook Insurance Group* (514,304) 2,462,408 2,162,697
92 P0867 Baldwin & Lyons Group* 222,199 40,887 252,670
93 12987 Benefit Security Ins Co 558,153 948,780 101,164
94 13121 Palmetto Surety Corp 24,108 151,546 417,492
95 28517 Victore Insurance Co 11,986 0 36,562
96 P0108 Lumbermans Mutual Cas Group* (5,851,625) (12,014,123) (29,303,129)
97 34860 International Credit of N Amer REIN 248,017 0 0
98 10906 Commercial Alliance Ins Co 109,774 154,622 10,815
99 10499 Chrysler Ins Co 7,700,701 455,262 407,439
100 41114 Atlantic Bonding Co (66,594) (66,571) (66,571)
All Other Companies 2,382,906 (1,068,564) 110,927,699
Detailed Line of Business allocations at a Grand Total level are available in the Insurance Expense Exhibit filing; this data can also be accessed via InsLink and the Insurance Expense Exhibit Application.
Historical MarketShare from Highline Data
2009 Market Share Report Page 5
3 Years of History
Lines of Business: Surety
States: GT
Entity Type(s): Group and Non-Affiliates
Data and ratios derived from the State Page Exhibit of Premiums and Losses.
State Page Combined (%) - Incl. Divs Loss & DCC Ratio (%) - State
Code Name 2009 2008 2007
Rank
PCOMP Industry Aggregate Line/State Totals 51.5% 45.4% 50.3%
1 P3548 Travelers Group* 35.7% 30.4% 54.9%
2 P0111 Liberty Mutual Insurance Group* 47.3% 46.1% 46.4%
3 P0212 Zurich Insurance Group* 28.5% 30.0% 41.2%
4 P0218 CNA Insurance Group* 46.1% 46.1% 50.9%
5 P0038 Chubb & Son Group* 17.4% 54.9% 15.5%
6 P0984 HCC Insurance Holdings Group* 57.2% 51.9% 44.9%
7 P0091 Hartford Fire & Casualty Group* 71.4% 58.1% 44.3%
8 11592 International Fidelity Insurance Co 62.4% 53.6% 52.5%
9 P0626 ACE Ltd Group* 40.6% 68.2% 35.2%
10 P0084 American Financial Insurance Group* 59.9% 46.6% 61.8%
11 P0088 Hanover Insurance Group* 106.6% 55.6% 62.3%
12 P0181 Swiss Reinsurance Group* 65.7% 62.7% 71.1%
13 P3488 Bond Safeguard Group* 60.5% 52.0%
14 P1279 Arch Capital Group* 109.7% 88.3% 143.3%
15 P0012 American International Group* 150.7% -13.4% 34.4%
16 P0783 RLI Insurance Group* 49.1% 35.3% 36.7%
17 P0228 Westfield Group* 39.6% 36.9% 38.4%
18 P0075 INSCO Insurance Services Group* 66.3% 46.1% 48.5%
19 P3479 Merchants Bonding Co Group* 48.7% 43.8% 45.8%
20 P0244 Cincinnati Financial Group* 71.7% 74.3% 49.5%
21 P0098 WR Berkley Group* 46.5% 45.9% 49.0%
22 P0501 Alleghany Group* 54.7% 60.4% 59.3%
23 P0150 Old Republic Group* 58.2% 47.9% 48.5%
24 P3592 ProAlliance Group* 51.5% 53.5% 53.6%
25 P0689 Bankers Insurance Group* 76.8% 71.9% 71.9%
26 P0922 ICW Group* 190.8% 143.7% 59.2%
27 37206 Contractors Bonding & Insurance Co 41.9% 38.0% 33.8%
28 13285 Allegheny Mutual Casualty Company 17.8% 6.0% 7.4%
29 P0062 EMC Insurance Group* 55.7% 37.9% 64.6%
30 36650 Guarantee Co of North America USA 44.6% 69.3% 49.2%
31 26310 Granite Re Inc 59.8% 57.7% 52.4%
32 P0248 United Fire & Casualty Group* 44.8% 41.3% 46.7%
33 P0031 Berkshire Hathaway Ins. Group* -0.1% 118.8% 13.5%
34 28519 First Sealord Surety Inc 56.8% 64.5% 53.9%
35 P0017 Life of the South Corp Group* 145.2% 144.5% 86.4%
36 P0311 Main Street America Group* 92.2% 48.4% 61.9%
37 P1326 Kingsway Group* 186.7% 65.5% 38.2%
38 P0457 Argonaut Group* 45.5% 73.4% 6.4%
39 P0158 Fairfax Financial Group* 54.4% 28.4% 138.7%
40 P0140 Nationwide Group* 43.1% 35.0% 36.0%
41 P0242 Selective Insurance Group* 51.5% 44.6% 46.1%
42 P0761 Allianz Insurance Group* 111.9% -40.4% 24.6%
43 P1346 American Safety Holding Group* 63.9% 54.1% 39.5%
44 P0313 Aegis Group* 73.3% 44.8% 58.3%
45 37940 Lexington National Insurance Corp 30.3% 25.3% 23.9%
46 P4641 D & J Rottman Group* 104.0% 39.2%
47 P0176 State Farm IL Group* 84.2% 50.6% 45.9%
48 P0280 Auto Owners Group* 138.0% 61.4% 131.2%
49 10758 Colonial Surety Co 78.1% 84.7% 105.1%
50 P0661 BCBS of SC Group* 82.0% 63.5% 50.3%
51 P0781 Union Labor Group* 75.7% 88.5% 524.5%
52 35009 Financial Casualty & Surety Inc 15.1% 19.9% 25.5%
53 P0074 Delphi Financial Group* 32.5% 29.2% 27.6%
54 P0510 Navigators Group* 59.1% 67.8% 38.0%
55 P0271 Pennsylvania National Ins Group* 44.2% 40.4% 38.1%
56 31380 American Surety Company 31.3% 19.1% 21.1%
57 26379 Accredited Surety & Casualty Co Inc 34.1% 37.3% 46.0%
58 P1243 West Bend Mutual Group* 46.4% 42.1% 32.3%
59 26565 Ohio Indemnity Co 59.2% 50.4% 62.7%
60 P0670 Fidelity National Financial Group* 92.0% 90.4% 89.7%
61 P0213 Erie Insurance Group* 66.3% 43.6% -125.0%
62 P0587 Atlantic American Group* 53.0% 64.0% 58.0%
63 P0199 Universal Surety Group* 44.1% 62.4% 43.6%
64 38326 First Indemnity of America Ins Co 63.8% 60.2% 45.1%
65 P1208 Gray Insurance Group* 73.9% 42.8% 63.1%
66 P0411 MAPFRE Insurance Group* 89.4% 140.2% 98.7%
67 22950 Acstar Insurance Company 10.1% 23.1% 45.3%
68 P0201 Utica National Insurance Group* 64.7% 98.1% 56.2%
69 P0019 Assurant Inc Group* 3.1% -2.7% -38.8%
70 P0175 State Auto Mutual Group* 78.4% -0.4% 23.8%
71 35769 Lyndon Property Insurance Co 82.3% 87.2% 86.9%
72 P1114 Mercer Insurance Group* 83.2% 118.2% 58.6%
73 12296 Whitecap Surety Co 94.2% 93.6% 94.4%
74 18468 Indemnity Natl Ins Co 28.3% 28.8% 43.7%
75 28240 Service Ins Co 21.5% 23.1% 23.0%
76 10859 First Nonprofit Mutual Insurance Co 22.7% - -
77 P0106 Island Insurance Group* 29.1% 24.0% 19.1%
78 36226 United Casualty & Surety Co Inc 22.4% 23.1% 24.1%
79 P0071 Universal Insurance Co Group* 53.4% 24.6% 31.7%
80 10293 Integra Insurance Inc 86.4% 86.2% 85.5%
81 P3279 Insurors Indemnity Group* 44.3% 45.3% 59.9%
82 P0007 Federated Mutual Group* 4.8% 21.1% 11.4%
83 P4152 ReliaMax Holding Group* 0.0% -8.5% 19.9%
84 P0256 NY Marine & General Group* 63.0% 70.3% 52.7%
85 P1285 XL America Group* 105.7% 82.7% 726.1%
86 P0246 Indiana Lumbermens Group* 79.8% 70.3% 68.3%
87 10909 Sun Surety Ins Co -1.4% 6.0% 2.1%
88 P0930 DHC Group* 13.1% 14.5% 75.3%
89 42706 Roche Surety and Casualty Inc 24.8% 23.7% 25.4%
90 32867 Universal Fire & Casualty Ins Co 0.0% 0.0% 0.0%
91 P0748 Meadowbrook Insurance Group* 41.4% 128.9% 3552.3%
92 P0867 Baldwin & Lyons Group* 50.0% 39.2% 52.6%
93 12987 Benefit Security Ins Co 29.6% 44.6% 14.1%
94 13121 Palmetto Surety Corp 8.8% 12.4% 27.3%
95 28517 Victore Insurance Co 38.8% 37.6% 32.0%
96 P0108 Lumbermans Mutual Cas Group* -153.0% -402.2% -697.4%
97 34860 International Credit of N Amer REIN 116.5% 31.9% -
98 10906 Commercial Alliance Ins Co 42.3% 52.8% 84.6%
99 10499 Chrysler Ins Co 455.9% 36.1% 32.8%
100 41114 Atlantic Bonding Co 14.8% 15.3% 8.0%
All Other Companies
Detailed Line of Business allocations at a Grand Total level are available in the Insurance Expense Exhibit filing; this data can also be accessed via InsLink and the Insurance Expense Exhibit Application.
Historical MarketShare from Highline Data
2009 Market Share Report Page 6
3 Years of History
Lines of Business: Surety
States: GT
Entity Type(s): Group and Non-Affiliates
Data and ratios derived from the State Page Exhibit of Premiums and Losses.
Loss & DCC Ratio (%) - State Expense Ratio (%) - State
Code Name 2009 2008 2007
Rank
PCOMP Industry Aggregate Line/State Totals 24.0% 18.1% 23.4%
1 P3548 Travelers Group* 14.5% 9.0% 32.6%
2 P0111 Liberty Mutual Insurance Group* 20.6% 19.5% 18.8%
3 P0212 Zurich Insurance Group* 6.6% 7.1% 17.9%
4 P0218 CNA Insurance Group* 16.0% 17.1% 22.3%
5 P0038 Chubb & Son Group* 0.0% 36.4% -0.9%
6 P0984 HCC Insurance Holdings Group* 23.2% 18.0% 11.1%
7 P0091 Hartford Fire & Casualty Group* 40.4% 27.5% 15.0%
8 11592 International Fidelity Insurance Co 16.8% 8.2% 7.3%
9 P0626 ACE Ltd Group* 15.5% 43.1% 9.7%
10 P0084 American Financial Insurance Group* 26.0% 14.6% 27.2%
11 P0088 Hanover Insurance Group* 72.7% 20.2% 26.3%
12 P0181 Swiss Reinsurance Group* 28.7% 27.1% 33.1%
13 P3488 Bond Safeguard Group* 31.7% 25.2%
14 P1279 Arch Capital Group* 81.8% 62.3% 117.0%
15 P0012 American International Group* 138.8% -32.7% 22.2%
16 P0783 RLI Insurance Group* 19.4% 4.9% 6.9%
17 P0228 Westfield Group* 7.0% 5.1% 5.9%
18 P0075 INSCO Insurance Services Group* 34.4% 14.9% 17.3%
19 P3479 Merchants Bonding Co Group* 8.0% 3.2% 4.0%
20 P0244 Cincinnati Financial Group* 37.6% 40.2% 15.9%
21 P0098 WR Berkley Group* 16.2% 15.5% 18.8%
22 P0501 Alleghany Group* 19.8% 24.2% 22.6%
23 P0150 Old Republic Group* 23.4% 12.0% 13.0%
24 P3592 ProAlliance Group* 1.0% 4.0% 3.6%
25 P0689 Bankers Insurance Group* 43.3% 37.5% 36.8%
26 P0922 ICW Group* 153.0% 107.8% 24.0%
27 37206 Contractors Bonding & Insurance Co 10.6% 6.4% 2.8%
28 13285 Allegheny Mutual Casualty Company 8.6% 0.1% 0.4%
29 P0062 EMC Insurance Group* 17.2% 4.1% 29.3%
30 36650 Guarantee Co of North America USA 12.6% 36.9% 16.8%
31 26310 Granite Re Inc 26.2% 24.1% 18.9%
32 P0248 United Fire & Casualty Group* 8.9% 7.4% 6.7%
33 P0031 Berkshire Hathaway Ins. Group* -3.1% 115.3% 5.1%
34 28519 First Sealord Surety Inc 22.1% 31.1% 21.3%
35 P0017 Life of the South Corp Group* 85.7% 86.4% 85.0%
36 P0311 Main Street America Group* 53.0% 9.0% 22.0%
37 P1326 Kingsway Group* 149.7% 29.1% 7.5%
38 P0457 Argonaut Group* 20.0% 49.8% -15.7%
39 P0158 Fairfax Financial Group* 24.4% 1.3% 119.4%
40 P0140 Nationwide Group* 11.4% 4.1% 3.6%
41 P0242 Selective Insurance Group* 20.4% 14.4% 15.2%
42 P0761 Allianz Insurance Group* 79.8% -74.4% -8.9%
43 P1346 American Safety Holding Group* 37.7% 30.0% 13.2%
44 P0313 Aegis Group* 34.7% 8.1% 20.5%
45 37940 Lexington National Insurance Corp 3.8% 0.7% 0.6%
46 P4641 D & J Rottman Group* 67.7% 10.7%
47 P0176 State Farm IL Group* 58.8% 24.8% 20.4%
48 P0280 Auto Owners Group* 105.7% 28.1% 97.3%
49 10758 Colonial Surety Co 44.7% 51.4% 72.1%
50 P0661 BCBS of SC Group* 28.3% 12.5% 7.5%
51 P0781 Union Labor Group* 36.2% 45.5% 488.0%
52 35009 Financial Casualty & Surety Inc 3.0% 6.3% 9.4%
53 P0074 Delphi Financial Group* 15.3% 15.6% 15.7%
54 P0510 Navigators Group* 10.2% 26.1% -3.7%
55 P0271 Pennsylvania National Ins Group* 14.9% 11.2% 9.2%
56 31380 American Surety Company 10.5% -0.8% 2.2%
57 26379 Accredited Surety & Casualty Co Inc 10.6% 7.6% 13.2%
58 P1243 West Bend Mutual Group* 13.4% 7.2% -1.1%
59 26565 Ohio Indemnity Co 17.1% 6.8% 13.5%
60 P0670 Fidelity National Financial Group* 58.8% 57.3% 56.7%
61 P0213 Erie Insurance Group* 35.0% 14.6% -154.1%
62 P0587 Atlantic American Group* 22.5% 30.0% 22.3%
63 P0199 Universal Surety Group* 3.6% 21.0% 0.5%
64 38326 First Indemnity of America Ins Co 46.0% 39.1% 21.0%
65 P1208 Gray Insurance Group* 43.1% 20.8% 34.9%
66 P0411 MAPFRE Insurance Group* 71.9% 124.0% 82.4%
67 22950 Acstar Insurance Company -7.6% 5.3% 26.2%
68 P0201 Utica National Insurance Group* 33.5% 65.9% 25.3%
69 P0019 Assurant Inc Group* -4.1% -8.2% -44.8%
70 P0175 State Auto Mutual Group* 41.8% -33.6% -10.2%
71 35769 Lyndon Property Insurance Co 37.0% 50.2% 60.2%
72 P1114 Mercer Insurance Group* 66.4% 101.3% 41.4%
73 12296 Whitecap Surety Co 0.0% 0.0% 0.0%
74 18468 Indemnity Natl Ins Co 15.4% 12.4% 28.1%
75 28240 Service Ins Co 5.8% 7.6% 7.0%
76 10859 First Nonprofit Mutual Insurance Co 19.3% - -
77 P0106 Island Insurance Group* -1.7% -7.4% -12.9%
78 36226 United Casualty & Surety Co Inc 0.0% 0.0% 0.2%
79 P0071 Universal Insurance Co Group* 26.0% -2.2% 4.4%
80 10293 Integra Insurance Inc 0.0% 0.0% 0.0%
81 P3279 Insurors Indemnity Group* 13.5% 13.2% 28.8%
82 P0007 Federated Mutual Group* 2.2% 18.4% 8.3%
83 P4152 ReliaMax Holding Group* 0.0% -8.5% 18.6%
84 P0256 NY Marine & General Group* 22.1% 24.4% 12.6%
85 P1285 XL America Group* 88.2% 85.0% 697.3%
86 P0246 Indiana Lumbermens Group* 3.6% -6.5% -4.5%
87 10909 Sun Surety Ins Co -1.4% 6.0% 2.1%
88 P0930 DHC Group* 3.4% 2.7% 40.0%
89 42706 Roche Surety and Casualty Inc 0.0% 0.0% 0.0%
90 32867 Universal Fire & Casualty Ins Co 0.0% 0.0% 0.0%
91 P0748 Meadowbrook Insurance Group* 3.3% 86.4% 3515.3%
92 P0867 Baldwin & Lyons Group* 12.0% 2.4% 15.4%
93 12987 Benefit Security Ins Co 28.5% 43.4% 14.0%
94 13121 Palmetto Surety Corp 1.3% 8.0% 20.4%
95 28517 Victore Insurance Co -0.5% 0.0% 2.9%
96 P0108 Lumbermans Mutual Cas Group* -125.3% -391.9% -705.1%
97 34860 International Credit of N Amer REIN 32.3% 0.0% -
98 10906 Commercial Alliance Ins Co 9.5% 20.0% 25.5%
99 10499 Chrysler Ins Co 449.9% 30.9% 29.9%
100 41114 Atlantic Bonding Co -6.4% -5.6% -5.7%
All Other Companies
Detailed Line of Business allocations at a Grand Total level are available in the Insurance Expense Exhibit filing; this data can also be accessed via InsLink and the Insurance Expense Exhibit Application.
Historical MarketShare from Highline Data
2009 Market Share Report Page 7
3 Years of History
Lines of Business: Surety
States: GT
Entity Type(s): Group and Non-Affiliates
Data and ratios derived from the State Page Exhibit of Premiums and Losses.
Expense Ratio (%) - State
Code Name 2009 2008 2007
Rank
PCOMP Industry Aggregate Line/State Totals 26.6% 26.4% 26.3%
1 P3548 Travelers Group* 20.3% 20.6% 21.7%
2 P0111 Liberty Mutual Insurance Group* 25.4% 25.4% 26.9%
3 P0212 Zurich Insurance Group* 21.2% 21.8% 22.3%
4 P0218 CNA Insurance Group* 28.6% 28.1% 27.7%
5 P0038 Chubb & Son Group* 15.5% 16.3% 15.3%
6 P0984 HCC Insurance Holdings Group* 33.9% 33.9% 33.8%
7 P0091 Hartford Fire & Casualty Group* 28.0% 27.7% 27.4%
8 11592 International Fidelity Insurance Co 45.4% 44.7% 45.1%
9 P0626 ACE Ltd Group* 25.2% 25.1% 25.4%
10 P0084 American Financial Insurance Group* 33.2% 31.3% 34.0%
11 P0088 Hanover Insurance Group* 33.9% 35.4% 36.1%
12 P0181 Swiss Reinsurance Group* 36.5% 35.1% 37.6%
13 P3488 Bond Safeguard Group* 28.8% 26.8%
14 P1279 Arch Capital Group* 27.1% 25.6% 25.8%
15 P0012 American International Group* 12.5% 18.1% 11.8%
16 P0783 RLI Insurance Group* 29.7% 30.4% 29.8%
17 P0228 Westfield Group* 31.3% 31.0% 31.7%
18 P0075 INSCO Insurance Services Group* 31.9% 31.2% 31.2%
19 P3479 Merchants Bonding Co Group* 39.3% 39.0% 40.2%
20 P0244 Cincinnati Financial Group* 34.2% 34.1% 33.6%
21 P0098 WR Berkley Group* 29.9% 30.1% 29.8%
22 P0501 Alleghany Group* 34.9% 36.2% 36.7%
23 P0150 Old Republic Group* 34.7% 35.7% 35.2%
24 P3592 ProAlliance Group* 50.5% 49.5% 50.0%
25 P0689 Bankers Insurance Group* 33.5% 34.4% 35.2%
26 P0922 ICW Group* 31.7% 32.6% 32.4%
27 37206 Contractors Bonding & Insurance Co 31.3% 31.6% 31.0%
28 13285 Allegheny Mutual Casualty Company 9.2% 6.0% 7.0%
29 P0062 EMC Insurance Group* 36.9% 31.9% 33.4%
30 36650 Guarantee Co of North America USA 32.0% 32.5% 32.4%
31 26310 Granite Re Inc 33.6% 33.6% 33.5%
32 P0248 United Fire & Casualty Group* 34.4% 32.3% 38.9%
33 P0031 Berkshire Hathaway Ins. Group* 3.0% 3.5% 8.4%
34 28519 First Sealord Surety Inc 34.7% 33.4% 32.6%
35 P0017 Life of the South Corp Group* 59.5% 58.1% 1.4%
36 P0311 Main Street America Group* 39.2% 39.4% 39.9%
37 P1326 Kingsway Group* 37.0% 36.4% 30.8%
38 P0457 Argonaut Group* 25.4% 23.6% 22.1%
39 P0158 Fairfax Financial Group* 30.0% 27.1% 19.3%
40 P0140 Nationwide Group* 31.6% 30.9% 32.4%
41 P0242 Selective Insurance Group* 31.1% 30.2% 30.9%
42 P0761 Allianz Insurance Group* 32.1% 32.7% 33.5%
43 P1346 American Safety Holding Group* 26.2% 24.0% 26.2%
44 P0313 Aegis Group* 38.6% 36.8% 37.8%
45 37940 Lexington National Insurance Corp 26.6% 24.6% 23.3%
46 P4641 D & J Rottman Group* 36.3% 28.5%
47 P0176 State Farm IL Group* 25.4% 25.7% 25.5%
48 P0280 Auto Owners Group* 32.3% 33.3% 33.9%
49 10758 Colonial Surety Co 33.4% 33.3% 33.0%
50 P0661 BCBS of SC Group* 53.7% 51.0% 42.8%
51 P0781 Union Labor Group* 39.5% 43.0% 36.5%
52 35009 Financial Casualty & Surety Inc 12.1% 13.5% 16.2%
53 P0074 Delphi Financial Group* 17.1% 13.6% 11.9%
54 P0510 Navigators Group* 48.9% 41.8% 41.6%
55 P0271 Pennsylvania National Ins Group* 29.3% 29.2% 28.9%
56 31380 American Surety Company 20.8% 19.9% 18.8%
57 26379 Accredited Surety & Casualty Co Inc 23.5% 29.7% 32.8%
58 P1243 West Bend Mutual Group* 33.0% 34.9% 33.4%
59 26565 Ohio Indemnity Co 42.1% 43.6% 49.3%
60 P0670 Fidelity National Financial Group* 33.2% 33.2% 33.0%
61 P0213 Erie Insurance Group* 31.3% 29.0% 29.1%
62 P0587 Atlantic American Group* 30.5% 34.0% 35.8%
63 P0199 Universal Surety Group* 40.5% 41.4% 43.0%
64 38326 First Indemnity of America Ins Co 17.9% 21.1% 24.1%
65 P1208 Gray Insurance Group* 30.8% 22.0% 28.2%
66 P0411 MAPFRE Insurance Group* 17.6% 16.2% 16.2%
67 22950 Acstar Insurance Company 17.7% 17.8% 19.0%
68 P0201 Utica National Insurance Group* 31.3% 32.3% 30.9%
69 P0019 Assurant Inc Group* 7.2% 5.5% 6.0%
70 P0175 State Auto Mutual Group* 36.6% 33.3% 34.0%
71 35769 Lyndon Property Insurance Co 45.4% 37.0% 26.7%
72 P1114 Mercer Insurance Group* 16.8% 16.9% 17.2%
73 12296 Whitecap Surety Co 94.2% 93.6% 94.4%
74 18468 Indemnity Natl Ins Co 12.9% 16.4% 15.6%
75 28240 Service Ins Co 15.7% 15.5% 16.0%
76 10859 First Nonprofit Mutual Insurance Co 3.4% - -
77 P0106 Island Insurance Group* 30.8% 31.4% 32.0%
78 36226 United Casualty & Surety Co Inc 22.4% 23.1% 24.0%
79 P0071 Universal Insurance Co Group* 27.4% 26.9% 27.3%
80 10293 Integra Insurance Inc 86.4% 86.2% 85.5%
81 P3279 Insurors Indemnity Group* 30.8% 32.1% 31.1%
82 P0007 Federated Mutual Group* 2.1% 2.2% 2.4%
83 P4152 ReliaMax Holding Group* 0.0% 0.0% 1.3%
84 P0256 NY Marine & General Group* 40.9% 45.8% 40.1%
85 P1285 XL America Group* 17.6% -2.3% 28.7%
86 P0246 Indiana Lumbermens Group* 76.2% 76.7% 72.8%
87 10909 Sun Surety Ins Co 0.0% 0.0% 0.0%
88 P0930 DHC Group* 9.6% 11.8% 35.4%
89 42706 Roche Surety and Casualty Inc 24.8% 23.7% 25.4%
90 32867 Universal Fire & Casualty Ins Co 0.0% 0.0% 0.0%
91 P0748 Meadowbrook Insurance Group* 38.1% 42.5% 37.0%
92 P0867 Baldwin & Lyons Group* 38.0% 36.8% 37.2%
93 12987 Benefit Security Ins Co 1.0% 1.2% 0.1%
94 13121 Palmetto Surety Corp 7.5% 4.4% 6.9%
95 28517 Victore Insurance Co 39.3% 37.6% 29.2%
96 P0108 Lumbermans Mutual Cas Group* -27.8% -10.4% 7.8%
97 34860 International Credit of N Amer REIN 84.2% 31.9% -
98 10906 Commercial Alliance Ins Co 32.8% 32.8% 59.1%
99 10499 Chrysler Ins Co 6.0% 5.2% 2.9%
100 41114 Atlantic Bonding Co 21.2% 20.9% 13.7%
All Other Companies
Detailed Line of Business allocations at a Grand Total level are available in the Insurance Expense Exhibit filing; this data can also be accessed via InsLink and the Insurance Expense Exhibit Application.
Historical MarketShare from Highline Data
2009
Start YearYears of History 3
COCODE GROUP
COMPANY NAME YEAR DPW DPE LOSSES COST CON COMMIS
PCOMP N/A
* P&C Industry Aggregate 2009 5.17E+09 5.29E+09 1E+09 2.66E+08 1.22E+09
P3548 TRAVELERS GROUP 9.24E+08 9.28E+08
Travelers Group* 2009 48257219 86057701 1.65E+08
P0111 LIBERTY MUTUAL INSURANCE 7.7E+08
2009
Liberty Mutual Insurance Group* 7.23E+08 GROUP 1.59E+08 -607806 1.65E+08
P0212 ZURICH INSURANCE GROUP
Zurich Insurance Group* 2009 4.87E+08 5.03E+08 13442780 19875446 92394349
P0218 CNA INSURANCE GROUP
CNA Insurance Group* 2009 4.06E+08 4.17E+08 56100485 10397966 1.04E+08
P0038 CHUBB & 2009 2.77E+08 2.94E+08
Chubb & Son Group* SON INC GROUP 1557591 -1653837 36549774
P0984 HCC INSURANCE HOLDINGS GROUP
2009
HCC Insurance Holdings Group* 2.07E+08 2E+08 38304631 8247112 62739259
P0091 HARTFORD Group* 1.81E+08 1.94E+08
2009
Hartford Fire & Casualty FIRE & CASUALTY GROUP 69478807 8881910 46084703
11592 N/A 2009
International Fidelity Insurance Co 1.18E+08 1.17E+08 16672515 3027343 48517080
P0626 ACE 2
ACE Ltd Group* LTD GROUP009 1.09E+08 1.08E+08 14696024 1947239 24469552
P0084 AMERICAN FINANCIAL GROUP 1.04E+08
2009 1.04E+08
American Financial Insurance Group* 22354482 4719716 32034850
P0088 THE HANOVER 2009 1E+08 96873688
Hanover Insurance Group* INSURANCE GROUP 61728839 8688333 31113470
P0181 SWISS Group* 2009 93875162
Swiss Reinsurance REINSURANCE GROUP 96760090 20256314 7494383 31471691
P3488 J A PATTERSON GROUP
Bond Safeguard Group* 2009 86665405 83572610 23186595 3321606 22539895
P1279 ARCH CAPITAL 2009 78606428 92192246
Arch Capital Group* GROUP 64175417 11252937 19094910
P0012 AMERICAN INTL2009 77251939 90831004
American International Group* GROUP 1.22E+08 3692193 8035986
P0783 RLI INSURANCE2009 77041705 72893876
RLI Insurance Group* GROUP 12959027 1149723 20944102
P0228 WESTFIELD GROUP 58307591 62636706
Westfield Group* 2009 1954345 2457222 16234146
P0075 INSCO INSURANCE SERVICES 66429299
2009
INSCO Insurance Services Group* 57356313 GROUP 20144397 2730830 16584682
P3479 MERCHANTS BONDING CO GROUP
Merchants Bonding Co Group* 2009 55232096 54503698 3267780 1103322 20269982
P0244 CINCINNATI FINANCIAL GROUP
Cincinnati Financial Group* 2009 48888147 48139220 15849638 2239342 15473723
P0098 WR BERKLEY CORP GROUP
WR Berkley Group* 2009 48766601 43221702 5450026 1533951 12804902
P0501 ALLEGHANY GROUP 44523403 45446411
Alleghany Group* 2009 6552532 2463471 14297850
P0150 OLD REPUBLIC 2009 39291638 37303728
Old Republic Group* GROUP 7539036 1191905 12507820
P3592 Group*
ProAlliance PROALLIANCE GROUP 2009 34256572 35087572 388086 -40775 15902679
P0689 BANKERS INSURANCE GROUP
Bankers Insurance Group* 2009 31745620 29924484 12956425 103 7166831
P0922 A 2009 30332913 38534912
ICW Group* MERICAN ASSETS GROUP 51231429 7711740 8756315
37206 ContractorsN/A 2009 29162775 30383546
Bonding & Insurance Co 3061189 158158 8271789
13285 N/A 2009 29106338 29450718
Allegheny Mutual Casualty Company 2074052 464405 1394714
P0062 EMC INSURANCE CO 28715810 29639391
EMC Insurance Group* 2009 GROUP 4647351 450504 9490544
36650 N/A 2009 28444497 29295310
Guarantee Co of North America USA 2622890 1054736 8304706
26310 Inc
Granite Re N/A 2009 22280067 22259916 5823479 0 6684013
P0248 & Casualty Group*2009 21981338 24025679
United Fire UNITED FIRE & CASUALTY GROUP 1722823 407614 7115262
P0031 BERKSHIRE HATHAWAY GROUP
2009
Berkshire Hathaway Ins. Group* 21529991 10147807 -257429 -60000 13570
28519 N/A
First Sealord Surety Inc 2009 19739256 19218801 3182659 1062819 6292975
P0017 LIFE Corp Group* 2009 19695001 19695001
Life of the South OF THE SOUTH CORP GROUP 16868141 5756 11132398
P0311 America Group* 2009 19265966 19561780
Main StreetMAIN STREET AMER GROUP 8895021 1467072 6892652
P1326 KINGSWAY GROUP 18035500 19409331
Kingsway Group* 2009 27332848 1729009 5670488
P0457 ARGONAUT GROUP 17252828 10060938
Argonaut Group* 2009 1340732 675602 3812657
P0158 FAIRFAX FINANCIAL GROUP
Fairfax Financial Group* 2009 16708158 15502215 -140203 3922846 2854394
P0140 Group* 2009 15520763 16290779
Nationwide NATIONWIDE CORP GROUP 1663726 197433 4496193
P0242 SELECTIVE INSURANCE GROUP
Selective Insurance Group* 2009 15048444 14936421 2659942 383446 4397793
P0761 ALLIANZ INSURANCE 14733822 12119367
Allianz Insurance Group* 2009 GROUP -1.3E+07 22359116 4307683
P1346 AMERICAN SAFETY 14401349 13369732
2009
American Safety Holding Group* HOLDING GROUP 4640746 404048 3617195
P0313 Aegis Group* AEGIS GROUP 2009 14146856 13535120 3468056 1224042 5117547
37940 N/A 2009
Lexington National Insurance Corp 13498839 12794801 482385 0 1123320
P4641 D & J ROTTMAN2009 12613092 13447257
D & J Rottman Group* GROUP 5975890 3131908 3328350
P0176 IL Group* 2009
State Farm STATE FARM GROUP 12435450 12219033 6570205 617735 2915041
P0280 AUTO OWNERS2009 12431994 11141083
Auto Owners Group* GROUP 5120766 6656969 3721927
10758 N/A
Colonial Surety Co 2009 11642143 11659376 -87178 5296151 3493866
P0661 BCBS OF 2009
BCBS of SC Group* SC GROUP 10840177 10796606 3052626 0 5478180
P0781 UNION LABOR GROUP
Union Labor Group* 2009 10067361 8266584 2712696 279599 3744470
35009 N/A 2009 9437290 9437290
Financial Casualty & Surety Inc 281871 0 0
P0074 DELPHI FINANCIAL GROUP
Delphi Financial Group* 2009 9379753 9191722 1408633 1 646636
P0510 NAVIGATORS GROUP 8389336 8249766
Navigators Group* 2009 847656 -2675 3943818
P0271 PENNSYLVANIA2009 8336487 7868046
NATL
Pennsylvania National Ins Group* INSURANCE GROUP 923126 249717 2210545
31380 N/A
American Surety Company 2009 8212952 8196870 660867 196759 0
26379 N/A 2009
Accredited Surety & Casualty Co Inc8128039 8651602 730763 183824 777022
P1243 Mutual Group* 2009 7919486 7751384
West Bend WEST BEND MUTUAL GROUP 925535 110872 2558224
26565 N/A
Ohio Indemnity Co 2009 7568749 7982430 1368473 0 2968613
P0670 FIDELITY NATL FINANCIAL GROUP
2009
Fidelity National Financial Group* 6857540 7026598 4131279 -139 2101836
P0213 ERIE INSURANCE GROUP
Erie Insurance Group* 2009 6755951 6860844 1855160 546205 1957627
P0587 ATLANTIC AMER GROUP
Atlantic American Group* 2009 5785716 6872957 1284634 264592 1615858
P0199 UNIVERSAL 2009 5664319 6559430
Universal Surety Group* SURETY GROUP 287669 -53896 2139539
38326 N/A 2009
First Indemnity of America Ins Co 5294745 5015749 1348446 956336 909591
P1208 GRAY INSURANCE GROUP
Gray Insurance Group* 2009 5293379 5676929 1800757 645522 1463589
P0411 MAPFRE INSURANCE 4826000 5673397 3631549
MAPFRE Insurance Group* 2009 GROUP 444812 889805
22950 N/A
Acstar Insurance Company 2009 4463522 5791041 -420897 -20896 549552
P0201 UTICA GROUP 2009 4010902 4421200
Utica National Insurance Group* 690690 789891 1133394
P0019 ASSURANT INC 2009 3785674 3736048 -171644
Assurant Inc Group* GROUP 18261 142263
P0175 STATE AUTO 2009 GROUP
State Auto Mutual Group* MUTUAL 3700424 4183000 1067854 680159 1253843
35769 PROTECTIVE Co 2009 3588297 3750588 1385946
Lyndon Property InsuranceLIFE INSURANCE GROUP 0 1510943
P1114 MERCER INSURANCE 3337237 4048937 2244956
Mercer Insurance Group* 2009 GROUP 443881 468656
12296 N/A
Whitecap Surety Co 2009 3216892 3216892 0 0 2958023
18468 N/A
Indemnity Natl Ins Co 2009 3174057 3078863 348977 125534 324274
28240 Co
Service Ins N/A 2009 3130799 2877450 165801 0 432651
10859 MUTUAL Insurance HOLDING
2009
First Nonprofit MutualINSURERSCo 3030986GROUP3066817 591664 0 0
P0106 ISLAND INSURANCE CO GROUP 3231204
Island Insurance Group* 2009 2965135 92223 -145688 912359
36226 N/A Inc
United Casualty & Surety Co2009 2958740 2727826 0 0 537455
P0071 UNIVERSAL INSURANCE CO GROUP
Universal Insurance Co Group* 2009 2937082 3140508 491072 324620 799163
10293 N/A
Integra Insurance Inc 2009 2911022 2911022 0 0 2438760
P3279 INSURORS IND GROUP
Insurors Indemnity Group* 2009 2673969 2629809 259725 95759 767111
P0007 FEDERATED 2009 2435447 2634999
Federated Mutual Group* MUTUAL GROUP -21969 80804 0
P4152 RELIAMAX HOLDING 2373209 1413852
ReliaMax Holding Group* 2009 GROUP 0 0 0
P0256 NEW YORK MARINE & GEN GROUP
NY Marine & General Group* 2009 2367003 1629103 131857 227454 839744
P1285 Group*
XL AmericaXL AMER GROUP 2009 2324115 5114786 -719559 5228423 331717
P0246 INDIANA Group* 2009 2321094
Indiana LumbermensLUMBERMENS GROUP 2566003 65758 26675 1677553
10909 Ins
Sun Surety N/A Co 2009 2302042 2301951 -33118 0 0
P0930 DHC Group* DHC GROUP 2009 2298784 2146468 72465 823 167305
42706 N/A
Roche Surety and Casualty Inc 2009 2297779 2259725 0 0 0
32867 N/A 2009 2293175 2293175
Universal Fire & Casualty Ins Co 0 0 0
P0748 MEADOWBROOK INSURANCE GROUP
Meadowbrook Insurance Group* 2009 2017513 1864695 -514304 575608 702012
P0867 BALDWIN & 2009 1889098 1766399
Baldwin & Lyons Group* LYONS GROUP 222199 -10000 672467
12987 N/A
Benefit Security Ins Co 2009 1854260 1956528 558153 0 0
13121 N/A
Palmetto Surety Corp 2009 1841975 1841975 24108 0 61260
28517 N/A
Victore Insurance Co 2009 1561948 1561948 11986 -19594 574288
P0108 LUMBERMANS MUTUAL CAS GROUP
2009
Lumbermans Mutual Cas Group* 1510370 1859482 -5851625 3522418 116431
34860 N/A 2009
International Credit of N Amer REIN 1465146 999036 248017 74760 1189456
10906 N/A
Commercial Alliance Ins Co 2009 1428950 1407676 109774 24242 427329
10499 N/A
Chrysler Ins Co 2009 1275512 1711524 7700701 0 24142
41114 N/A
Atlantic Bonding Co 2009 1266348 1045167 -66594 0 244823
TAXES DIVS COCODE YEAR DPW DPE LOSSES COST CON COMMIS
1.53E+08 43620853 PCOMP 2008 5.52E+09 5.42E+09 6.7E+08 3.12E+08 1.3E+09
22493428 8185733 P3548 2008 9.92E+08 9.71E+08 -1.2E+07 98761812 1.79E+08
19062342 9266701 P0111 2008 8.33E+08 7.93E+08 1.25E+08 29767051 1.91E+08
10658932 3556145 P0212 2008 4.83E+08 4.59E+08 16550133 15994079 93707474
12659909 5967394 P0218 2008 4.34E+08 4.33E+08 60527507 13517167 1.09E+08
6438419 5215667 P0038 2008 2.97E+08 2.93E+08 99632674 6934732 40700782
7415659 0 P0984 2008 1.91E+08 1.94E+08 25516635 9488444 58256268
4570332 5499851 P0091 2008 2.11E+08 2.13E+08 46364852 12302874 53123019
5059055 284999 11592 2008 1.19E+08 1.17E+08 7943285 1720004 47744195
2996008 0 P0626 2008 1.09E+08 1.14E+08 39814639 9509379 24591367
2657997 700775 P0084 2008 1.09E+08 1.11E+08 11763283 4428870 31522484
2837405 0 P0088 2008 96771455 89852146 11480903 6673276 31651684
2748634 503445 P0181 2008 1.02E+08 92866289 16948629 8203619 32659141
2428978 0 P3488 2008 86852650 84115400 19303082 1887816 20803018
2206493 589908 P1279 2008 1.06E+08 1.16E+08 57340651 14613619 24112391
1657624 -524986 P0012 2008 76559937 79228713 -3.8E+07 12389065 10212223
1967272 0 P0783 2008 73007842 70016906 -843472 4244747 20071874
1995464 765509 P0228 2008 65564630 64445929 2770009 490453 18321768
1700070 0 P0075 2008 68131444 71059950 10109591 481291 19576881
1453671 723001 P3479 2008 51763692 51610411 1415656 240411 18829243
1232683 0 P0244 2008 46796669 45485255 16354499 1917958 14880660
1763381 240881 P0098 2008 42424766 42345129 4978962 1585216 11381002
1238891 0 P0501 2008 48156503 49642222 9815290 2202313 15919361
1136493 21885 P0150 2008 35592358 36297445 3244163 1119798 11393996
1392282 0 P3592 2008 37480956 35864195 646248 796700 17226837
3471877 0 P0689 2008 23539493 23124352 8685468 -3041 5159692
863619 1844097 P0922 2008 44716269 48675301 41836537 10629648 13328563
857804 0 37206 2008 32739415 33314748 1949065 175316 9378162
1286543 0 13285 2008 33423456 33952787 8894 15360 777777
1107883 443255 P0062 2008 29658419 30256891 1087675 159911 9025110
802334 0 36650 2008 26073477 23460526 7569724 1075995 7683932
803331 0 26310 2008 20521480 20379458 4907038 0 6156448
445454 327731 P0248 2008 25135981 25797334 1417602 498290 7630355
636036 0 P0031 2008 38402177 15264816 17569215 35220 619116
555168 0 28519 2008 19106092 19246284 4388325 1606098 5842092
589578 0 P0017 2008 18539028 18539031 16159178 -141308 10245634
661807 0 P0311 2008 20159441 18636464 309439 1368280 7387689
1000496 0 P1326 2008 23184573 25905542 6614127 928500 7599807
574488 0 P0457 2008 2958048 1160558 559140 18592 591679
2156981 0 P0158 2008 17407255 16580291 -3368506 3580245 2624638
415045 0 P0140 2008 17962212 17693405 407633 315496 5092356
281198 0 P0242 2008 15078232 15774780 1985574 281947 4286105
426633 0 P0761 2008 9906590 18156940 -1.9E+07 5827441 2988741
158315 0 P1346 2008 11529025 9792215 957066 1982067 2563003
348925 0 P0313 2008 12333444 11899410 441435 516994 4233664
2463410 0 37940 2008 12408998 12901689 94209 0 720540
1251674 0 P4641 2008 11982388 12326872 1297072 16826 2937794
241129 0 P0176 2008 12262532 12138405 2357678 658274 2904789
297474 0 P0280 2008 10712870 10298045 1932162 960944 3279898
394683 0 10758 2008 12477966 13084570 4043190 2683156 3744757
344623 0 P0661 2008 10336444 10326679 1289200 0 4915162
227582 0 P0781 2008 4620238 2191899 670248 328138 1903370
1142665 0 35009 2008 6415492 6415492 407241 0 0
961687 0 P0074 2008 9737404 9657470 1402230 99999 618204
159021 0 P0510 2008 8940586 8765471 2278963 5247 3571667
228150 0 P0271 2008 8846627 8821586 601293 384014 2322647
1708612 0 31380 2008 8718581 8776376 -101312 28298 0
1136442 0 26379 2008 10967032 11548455 486362 393935 1948374
56366 0 P1243 2008 7182623 6685721 473685 8168 2461634
217108 0 26565 2008 7876494 7145249 483662 13 3211592
172105 0 P0670 2008 5553169 5985519 3426758 480 1701158
154011 0 P0213 2008 6847283 6256931 650550 260483 1829514
148585 0 P0587 2008 8216998 8356048 2293462 214419 2590480
156397 0 P0199 2008 6941047 6899063 1610276 -162675 2500790
37066 0 38326 2008 4130311 3724134 1869234 -411881 851264
168789 0 P1208 2008 6353117 6181159 612583 671701 1306592
-42090 0 P0411 2008 6700546 8008937 9129023 802529 1142373
241868 0 22950 2008 7876814 8513483 74029 378037 1010205
120420 0 P0201 2008 4954928 4918048 3012783 225951 1511688
131728 0 P0019 2008 3717242 3721382 -292977 -12438 80972
101539 0 P0175 2008 3002604 3311229 -1179659 66039 936649
117611 0 35769 2008 4215109 4683344 2349962 0 1389653
91733 0 P1114 2008 4710772 4898027 3622907 1340242 675094
72952 0 12296 2008 3721468 3721468 0 0 3420401
86318 0 18468 2008 2862062 2415934 182944 116877 309972
58996 0 28240 2008 2665534 2524647 190973 0 352916
103024 0 10859 2008 0 0 0 0 0
378 0 P0106 2008 3938424 4232962 -337437 23838 1237412
125456 0 36226 2008 3266178 2991713 0 0 635943
7008 0 P0071 2008 3423066 3476244 -90566 12991 944263
76021 0 10293 2008 3374901 3374901 0 0 2838190
56939 0 P3279 2008 2730744 2506263 44674 285373 821222
51888 10367 P0007 2008 2848372 2868055 481519 45450 0
0 0 P4152 2008 -577688 57939 -4952 0 0
129305 0 P0256 2008 1422298 1832230 349192 98561 497806
77064 0 P1285 2008 3853910 4682644 2401506 1578157 -180123
92021 0 P0246 2008 3562572 3311626 -159930 -54047 2592792
850 0 10909 2008 2407259 2407778 145590 0 0
54227 0 P0930 2008 1472030 1452914 50642 -11529 68986
568915 0 42706 2008 2330492 2313942 0 0 0
0 0 32867 2008 2230797 2230797 0 0 0
66341 0 P0748 2008 1975312 1781560 2462408 -923587 798762
44514 0 P0867 2008 1712953 1720231 40887 0 599091
19332 0 12987 2008 2072532 2183688 948780 0 0
76659 0 13121 2008 1897825 1897825 151546 0 66937
39995 0 28517 2008 2212489 2212489 0 0 775149
-535896 0 P0108 2008 2506568 2977053 -1.2E+07 347605 268265
44248 0 34860 2008 402971 302228 0 0 128505
41222 0 10906 2008 1158836 839242 154622 13325 343024
52116 0 10499 2008 1297427 1473814 455262 0 38120
23139 0 41114 2008 840215 1187685 -66571 0 155170
TAXES DIVS COCODE YEAR DPW DPE LOSSES COST CON COMMIS
1.6E+08 47374780 PCOMP 2007 5.46E+09 5.22E+09 9.52E+08 2.69E+08 1.28E+09
25629685 7885676 P3548 2007 1.02E+09 9.51E+08 2.3E+08 80024434 1.95E+08
20482681 9665435 P0111 2007 3.41E+08 3.15E+08 54608574 4469602 82663000
11522574 5300257 P0212 2007 4.52E+08 4.41E+08 49823216 29260484 90404416
12988349 4203742 P0218 2007 4.36E+08 4.31E+08 81041013 15245567 1.08E+08
7756753 6524182 P0038 2007 3.04E+08 2.88E+08 -7512799 5012603 39398279
6486282 0 P0984 2007 2.02E+08 1.85E+08 13299541 7248543 61581367
5275958 6123685 P0091 2007 2.23E+08 2.16E+08 25089593 7196407 55620244
5350908 791540 11592 2007 1.14E+08 1.08E+08 8077953 -231559 46479565
2840109 0 P0626 2007 1.19E+08 1.09E+08 5408951 5133498 27071690
2533618 688768 P0084 2007 1.09E+08 1.05E+08 21292963 7195461 34267181
2575060 0 P0088 2007 78516710 71592915 14983320 3810634 26268709
3029877 580231 P0181 2007 91010747 86549336 21173265 7435598 31400773
2477907 0 #N/A 2007
2973123 476952 P1279 2007 1.27E+08 1.32E+08 1.51E+08 3767155 29461632
3659685 946840 P0012 2007 94716314 91505765 9690605 10641372 8379619
2138328 0 P0783 2007 66679242 64273342 3172884 1262034 17983616
1999951 565807 P0228 2007 61991226 59845218 1705349 1837880 17627810
1647457 0 P0075 2007 68841345 71385099 9039177 3301682 19556857
1342889 855227 P3479 2007 52120087 51279997 1344061 720464 19900782
1067120 0 P0244 2007 42423260 41890605 5147942 1507583 13242109
1383568 151967 P0098 2007 40077427 35763712 5268308 1461197 10511620
1501630 0 P0501 2007 51110606 51836991 9145955 2570338 17218641
1309032 72090 P0150 2007 36171705 36365736 2991671 1735312 11460500
1322374 0 P3592 2007 35797727 35814715 411202 871964 16168875
2927970 0 P0689 2007 19402711 18680096 6865878 130 4152739
1246010 1462135 P0922 2007 48440084 49601534 8017188 3864616 14477585
966537 0 37206 2007 33762857 32564892 1016650 -108605 9532669
1213308 0 13285 2007 31600185 32447817 100094 22603 1143620
446744 557508 P0062 2007 29988521 29882088 8667126 100796 9345693
786592 0 36650 2007 18628905 17622061 2041561 921829 5493120
733275 0 26310 2007 18092758 17948231 3388107 0 5427832
497556 380715 P0248 2007 26694254 26353013 1161467 591965 9356030
717887 0 P0031 2007 13360093 12538232 629976 6420 803993
536617 0 28519 2007 17663129 17298079 2662470 1026312 5273151
520360 0 P0017 2007 17482010 17482010 14640438 214129 56929
562895 0 P0311 2007 17811237 16297868 2152912 1439539 6600170
829058 0 P1326 2007 31355340 32465679 1956748 466199 8612874
107662 0 P0457 2007 658820 610385 -194048 98304 114846
2097152 0 P0158 2007 15038799 14990812 6991018 10913618 642695
466397 0 P0140 2007 17419498 17150672 103955 514466 5307525
271093 0 P0242 2007 15979171 15922576 2583947 -156172 4665117
253292 123617 P0761 2007 22417567 17565098 -2482579 921769 7013104
208975 0 P1346 2007 6668900 6073963 33604 770885 1555388
300304 0 P0313 2007 11226232 11072464 1439356 834442 3883027
2330470 0 37940 2007 12913247 12698293 76305 0 570283
481707 0 #N/A 2007
248560 0 P0176 2007 12081964 11669263 2008851 373601 2797180
282828 0 P0280 2007 10086343 9131089 5377693 3505925 3146020
408105 0 10758 2007 13179205 12636945 5627260 3486282 3960366
355559 0 P0661 2007 9154027 8963348 673259 0 3604888
82158 0 P0781 2007 121944 25281 355418 -232054 42847
868022 0 35009 2007 5238804 5238804 490491 0 0
709294 0 P0074 2007 10328566 10262898 1610262 2 621766
161722 0 P0510 2007 9320026 8936058 -363692 36886 3770412
263552 0 P0271 2007 8877872 8434264 356869 419188 2328842
1735078 0 31380 2007 8890853 8872599 198097 0 0
1306811 0 26379 2007 13103824 14118400 1509791 358707 2877423
42910 0 P1243 2007 5667038 5066444 -61915 5779 1838393
221070 0 26565 2007 6134755 6005010 809203 -1433 2803242
140667 0 P0670 2007 4783065 5030807 2854869 1 1463940
156142 0 P0213 2007 5592776 5704935 -7906391 -882950 1512983
205371 0 P0587 2007 8301517 9179601 1560354 485960 2751570
372238 0 P0199 2007 6413789 6808573 -66670 103231 2349819
19670 0 38326 2007 3683628 3827030 66821 734948 839395
93082 0 P1208 2007 5739856 5539597 1673673 260128 1397283
-58481 0 P0411 2007 8609976 8144570 6308708 405238 1478958
390760 0 22950 2007 10337165 11218359 2382754 560918 1367801
87558 0 P0201 2007 4939848 4936130 1214907 36354 1423653
123052 0 P0019 2007 3868168 3807407 -1716833 10720 121221
62309 0 P0175 2007 3435245 3556695 -235542 -125711 1091665
171441 0 35769 2007 7181689 7169728 4316281 0 1609482
121417 0 P1114 2007 4987092 5423080 1969385 274783 722532
61914 0 12296 2007 3733832 3733832 0 0 3433272
159047 0 18468 2007 2017680 1675002 335000 135675 194044
60733 0 28240 2007 2292043 2059321 143291 0 282065
0 0 10859 2007 0 0 0 0 0
380 0 P0106 2007 4082118 3644013 -345369 -124120 1305521
117191 0 36226 2007 3317405 2897657 5000 0 676662
-24835 0 P0071 2007 3518057 3302748 -65070 210289 956432
71907 0 10293 2007 4264719 4264719 0 0 3557849
56421 0 P3279 2007 2052093 2044009 368868 220325 594120
63225 15026 P0007 2007 2933664 2899456 179657 59653 0
0 0 P4152 2007 577935 755735 140741 0 0
154052 0 P0256 2007 2043723 1928169 -28785 271858 715304
91972 0 P1285 2007 7304267 9250471 57377641 7129231 1983316
140410 0 P0246 2007 2760090 2855455 32871 -160245 1879644
0 0 10909 2007 2288071 2287517 47772 0 0
104838 0 P0930 2007 155156 65973 14844 11529 43040
552131 0 42706 2007 2395721 2327626 0 0 0
0 0 32867 2007 2063800 2063800 0 0 0
41561 0 P0748 2007 81571 89966 2162697 999884 28550
31899 0 P0867 2007 1744891 1672772 252670 5000 610714
24754 0 12987 2007 1754835 722709 101164 0 0
16005 0 13121 2007 2042400 2042400 417492 0 124436
56238 0 28517 2007 2208476 2208476 36562 26576 582488
-527782 0 P0108 2007 3001732 3584581 -2.9E+07 4027051 277831
0 0 34860 2007 0 0 0 0 0
36832 0 10906 2007 177538 90122 10815 12154 50754
29689 0 10499 2007 1500052 1362684 407439 0 0
20777 0 41114 2007 1434844 1168997 -66571 0 166372
TAXES DIVS COCODE YEAR DPW DPE LOSSES COST CON COMMIS
1.55E+08 34925143 PCOMP 2006 5.05E+09 4.79E+09 7.54E+08 2.75E+08 1.2E+09
26025609 7087236 P3548 2006 9.41E+08 9.19E+08 2.32E+08 31628666 1.86E+08
9225006 2295165 P0111 2006 2.6E+08 2.3E+08 40758536 5483255 59509253
10074087 4838926 P0212 2006 4.3E+08 3.97E+08 -3.7E+07 25796779 90350835
12648333 3623923 P0218 2006 4.18E+08 4.03E+08 -116835 14283792 1.03E+08
7087379 3063930 P0038 2006 2.75E+08 2.52E+08 29954426 4768663 37015869
6729168 0 P0984 2006 1.6E+08 1.4E+08 22030367 6421599 44367982
5514306 4456344 P0091 2006 2.06E+08 1.91E+08 42334521 15062886 53544677
4906182 52070 11592 2006 96632414 93251025 9320225 2885519 39984646
3142353 0 P0626 2006 76579973 81789425 -3839763 3810042 22637708
2698507 572596 P0084 2006 99381385 93142314 26965944 5048857 30260047
2061119 0 P0088 2006 58965222 53495446 14133165 4354601 18969073
2796690 399950 P0181 2006 84527681 81161473 20147907 9021094 29236546
#N/A 2006
3369572 592419 P1279 2006 1.42E+08 1.34E+08 72591002 3331321 31227224
2798611 340867 P0012 2006 1.21E+08 93705450 -3E+07 8315686 9708453
1882600 0 P0783 2006 64121538 61383191 4430809 4716596 17100430
2004119 480227 P0228 2006 60801631 54261630 4423583 3064209 17266908
1918990 0 P0075 2006 69511988 65871883 4424843 3419105 19728875
1060174 829503 P3479 2006 51024534 48790685 1560153 1354258 19430933
1018151 0 P0244 2006 41179207 37720036 3749183 2664528 13425714
1433633 158953 P0098 2006 29880874 30172922 1450443 1205749 8344556
1521544 0 P0501 2006 51141238 44301380 4405440 1683524 17484249
1277240 89592 P0150 2006 35512349 34509216 3149329 1299051 11186510
1735315 0 P3592 2006 34651385 34362570 -619723 2042045 15616377
2668419 0 P0689 2006 15516496 14962021 3849123 8022 6364378
1239307 1342501 P0922 2006 48639361 46477491 -889550 7229492 14769749
946485 0 37206 2006 32231803 30573881 1393757 100869 9075124
1076035 0 13285 2006 32419268 32174602 56215 15304 1156712
684067 556453 P0062 2006 29760741 28305313 5545260 817413 9261012
542155 0 36650 2006 15299945 15846398 7229825 2387965 4560898
633110 0 26310 2006 14348427 14043089 2600428 0 4304166
1040262 286065 P0248 2006 27156026 28043928 15338290 355020 9200096
316491 0 P0031 2006 11790586 17612701 475750 -2216 842437
477511 0 28519 2006 16682371 16308573 1290772 866917 5014588
195943 0 P0017 2006 14986997 14987009 11851900 0 893472
503671 0 P0311 2006 15505083 15065804 5408891 1743870 5837881
1040321 0 P1326 2006 32036534 29997388 4624739 595650 9171818
30767 0 P0457 2006 566757 554600 551391 -120096 99871
2255479 0 P0158 2006 15074186 19037894 11361501 2273329 616299
329054 0 P0140 2006 15926136 15291779 737681 435893 4982047
266985 0 P0242 2006 15994506 14798385 3571926 528327 4772315
501335 0 P0761 2006 14853243 15722576 -2.9E+07 16510607 4772086
193146 0 P1346 2006 4188068 3926828 -209151 -402900 916615
360382 0 P0313 2006 11678502 11169426 4065268 830832 4158772
2433281 0 37940 2006 11536422 10693601 -232124 0 401573
#N/A 2006
286415 0 P0176 2006 11394290 10767995 1962001 222938 2555228
277864 0 P0280 2006 8264677 7534451 2528905 435813 2648149
382636 0 10758 2006 11780622 10580919 4094498 2602732 3548412
308558 0 P0661 2006 5695368 7604885 2132896 0 2208688
1675 0 P0781 2006 0 0 -1131342 194100 0
846982 0 35009 2006 4128804 4128804 763933 0 0
605537 0 P0074 2006 10474362 10422085 1641096 0 635687
109276 0 P0510 2006 7125251 6050363 1774732 272118 2846835
237121 0 P0271 2006 7282161 6622626 351129 291818 1903591
1674294 0 31380 2006 8516983 8425677 283231 80205 0
1422375 0 26379 2006 21383285 21925227 4408912 560719 6529830
57176 0 P1243 2006 4410026 4024133 -172629 3507 43623
220527 0 26565 2006 5282602 4816534 371811 1433 2543374
113520 0 P0670 2006 5396863 6449847 3199727 3368 1671782
111963 0 P0213 2006 5674846 5674350 18311214 1354135 1611914
216581 0 P0587 2006 10222612 10376635 4735984 128665 3156955
411143 0 P0199 2006 7234549 5802666 356781 161296 2274376
50092 0 38326 2006 3646953 3241530 1344147 875031 766273
221362 0 P1208 2006 5177708 4171344 1050707 265919 1165245
-82296 0 P0411 2006 8511986 8617278 932916 1482411 2049550
599847 0 22950 2006 13549526 13137146 1267700 656857 1702568
100755 0 P0201 2006 5230530 4955674 1892079 272395 1470115
112302 0 P0019 2006 3379790 3652682 -2080161 42243 44194
75414 0 P0175 2006 3772567 4119652 5262874 1474416 1207018
305237 0 35769 2006 8183396 8641504 4554958 0 1656173
133896 0 P1114 2006 5388486 6351206 3228085 1489336 734109
91342 0 12296 2006 4052236 3602796 0 0 3726099
121605 0 18468 2006 1393685 489544 97909 39653 943552
85572 0 28240 2006 2111079 2074098 284390 0 284164
0 0 10859 2006 0 0 0 0 0
455 0 P0106 2006 3601697 3809345 -994413 -70242 1186334
118201 0 36226 2006 3198409 2907262 0 -16424 653831
3093 0 P0071 2006 3166293 3133995 1589960 -163324 856397
88724 0 10293 2006 4099337 4099337 0 0 3415372
43585 0 P3279 2006 1997404 1930454 -22366 182418 541576
71320 20649 P0007 2006 2867398 2828036 524390 -4652 0
7639 0 P4152 2006 1983968 267836 72334 498 0
103720 0 P0256 2006 2076754 2356028 1642613 387106 726863
116117 0 P1285 2006 9933507 29808631 86398471 11748018 2963675
128374 0 P0246 2006 2316169 2195441 -230762 -76384 1555744
0 0 10909 2006 2122613 2121501 204657 0 0
11828 0 P0930 2006 350 350 0 0 0
607691 0 42706 2006 2066450 2020766 0 0 0
0 0 32867 2006 1840667 1840667 0 0 0
1629 0 P0748 2006 79587 78417 -267318 600293 26264
37580 0 P0867 2006 1759311 1880794 43777 5000 596541
961 0 #N/A 2006
16251 0 #N/A 2006
61682 0 28517 2006 2021056 2021056 124894 0 568227
-44451 0 P0108 2006 3811007 4998728 -1.7E+07 4476831 445431
0 0 34860 2006 0 0 0 0 0
54109 0 10906 2006 0 0 0 0 0
43967 0 10499 2006 1103325 1234598 -2814800 0 32125
29546 0 41114 2006 858243 708591 -66571 0 146048
TAXES DIVS COCODE YEAR DPW DPE LOSSES COST CON COMMIS
1.45E+08 40606172
22548987 8625552
7043228 1611973
10330317 3747986
12862977 4379847
6548508 4422928
6308757 0
3713745 4982231
4282136 109862
3102745 0
2136422 844756
1480790 0
2340469 398452
3640487 475384
4002175 3733362
1868218 0
1469332 345434
1984770 0
1232834 763582
936971 0
775561 70236
1422442 3316
1165839 96208
1565998 0
2288284 0
1294828 1014352
956482 0
1045052 0
547970 725579
430944 0
517447 0
887604 426262
271710 0
469321 0
368634 0
418034 0
1154302 0
13981 0
1782217 242853
345750 0
296729 0
388749 12394
120113 0
407137 0
2462653 0
211970 0
216269 0
355851 0
218771 0
0 0
654848 0
774978 0
83729 0
189541 0
1668586 0
1705795 0
62708 0
129984 0
133156 0
409600 0
281391 0
389794 0
14991 0
159792 0
-58095 0
523523 0
146177 0
101134 0
96244 0
303798 0
143623 0
88951 0
99649 0
71040 0
0 0
296 0
120348 0
1070 0
90997 0
42299 0
77552 17456
850 0
109514 0
270682 0
88555 0
0 0
0 0
521996 0
0 0
7316 0
27526 0
50185 0
-425201 0
0 0
0 0
26815 0
21477 0
TAXES DIVS COCODE YEAR DPW DPE LOSSES COST CON COMMIS
TAXES DIVS COCODE YEAR DPW DPE LOSSES COST CON COMMIS
TAXES DIVS COCODE YEAR DPW DPE LOSSES COST CON COMMIS
TAXES DIVS COCODE YEAR DPW DPE LOSSES COST CON COMMIS
TAXES DIVS
Glossary
Ratios
Market Share:
Combined Ratio:
Description:
Formula:
=SUM(Loss Ratio, Expense Ratio, [optional: Policy Holder Dividends Ratio] )
Expense Ratio:
Description:
Formula:
=((Commissions & Brokerage Exp + Taxes, Lic & Fees) / Direct Premiums Written) * 100
Loss Ratio:
Description:
Formula:
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Glossary
Ratios
All Market Share Ratios are calculated from the data contained in the Exhibit of Premiums and
Losses by State (PG. 20)
Market Share:
Combined Ratio:
Description:
This is a simplified state combined ratio or "direct" combined ratio. It is the sum of the Loss Ratio,
Expense Ratio, and (optionally) the PH Dividends ratio.
Formula:
=SUM(Loss Ratio, Expense Ratio, [optional: Policy Holder Dividends Ratio] )
Expense Ratio:
Description:
The Expense ratio is the relationship of Commissions and Brokerage Expenses (column 11) +
Taxes, Licenses and Fees (column 12) to Direct Premiums Written (column 1)
Formula:
=((Commissions & Brokerage Exp + Taxes, Lic & Fees) / Direct Premiums Written) * 100
Loss Ratio:
Description:
The Loss & DCC Ratio is the relationship of Direct Losses Incurred (column 6) plus Defense and
Cost Containment Expense Incurred (column 9) to Direct Premiums Earned (column 2):
Formula:
=(( Dir Losses Incurred + Dir Defense and Cost Containment Exp Incurred ) / Direct Premiums
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