C Insurance Premium and Loss Charts

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C Insurance Premium and Loss Charts, insurance premium, workers' compensation, C insurance, workers compensation, insurance regulation, Insurance Information Institute, Insurance Market, United States, Illinois Compiled Statutes

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1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: FIRE [1] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 417,976,842 424,138,763 485,283,617 573,016,142 604,978,996 631,102,736 595,676,281 551,652,317 554,991,561 527,434,435 600,024,242 655,238,652 660,287,913 678,772,686 727,681,516 1.5% 14.4% 18.1% 5.6% 4.3% -5.6% -7.4% 0.6% -5.0% 13.8% 9.2% 0.8% 2.8% 7.2% % Chg. Co.Count 289 289 282 325 336 277 275 264 271 276 272 254 240 229 234 EARNED PREMIUM 407,877,851 419,288,706 457,284,810 523,290,231 588,137,238 614,402,304 604,120,230 562,840,242 549,105,020 507,449,981 560,383,605 644,746,901 654,140,653 655,931,557 699,421,658 INCURRED LOSS 265,120,897 268,668,590 304,497,608 304,693,941 188,130,075 212,751,727 209,316,624 180,631,085 229,270,829 148,863,257 513,104,484 195,374,359 232,271,941 248,214,049 345,251,747 LOSS RATIO 65.00% 64.08% 66.59% 58.23% 31.99% 34.63% 34.65% 32.09% 41.75% 29.34% 91.56% 30.30% 35.51% 37.84% 49.36% PREMIUMS 800,000,000 700,000,000 600,000,000 500,000,000 400,000,000 300,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 360 340 320 300 280 260 240 220 200 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 550,000,000 500,000,000 450,000,000 400,000,000 350,000,000 300,000,000 250,000,000 200,000,000 150,000,000 100,000,000 19 91 INCURRED LOSS 100% 90% 80% 70% 60% 50% 40% 30% 20% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 LOSS RATIO 19 95 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: ALLIED LINES [2.1] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 206,758,588 207,318,929 231,886,906 244,062,246 279,432,307 300,699,850 255,724,950 253,510,335 283,523,155 318,243,551 340,067,674 441,608,212 442,228,061 489,928,564 463,683,050 0.3% 11.9% 5.3% 14.5% 7.6% -15.0% -0.9% 11.8% 12.2% 6.9% 29.9% 0.1% 10.8% -5.4% % Chg. Co.Count 283 278 271 307 317 269 263 248 264 262 255 246 242 226 223 EARNED PREMIUM 201,873,845 203,389,018 219,740,177 233,878,721 259,510,530 292,150,480 260,649,586 243,389,191 278,976,886 292,892,875 323,440,772 388,341,917 433,242,991 488,966,987 476,149,093 INCURRED LOSS 122,419,635 159,131,447 116,291,439 248,426,066 231,066,717 140,540,683 197,606,651 129,705,761 140,895,489 241,052,885 198,986,814 111,917,792 140,922,280 107,130,878 264,324,374 LOSS RATIO 60.64% 78.24% 52.92% 106.22% 89.04% 48.11% 75.81% 53.29% 50.50% 82.30% 61.52% 28.82% 32.53% 21.91% 55.51% PREMIUMS 550,000,000 500,000,000 450,000,000 400,000,000 350,000,000 300,000,000 250,000,000 200,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 340 320 300 280 260 240 220 200 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 280,000,000 260,000,000 240,000,000 220,000,000 200,000,000 180,000,000 160,000,000 140,000,000 120,000,000 100,000,000 19 91 INCURRED LOSS 110% 100% 90% 80% 70% 60% 50% 40% 30% 20% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 LOSS RATIO 19 95 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: MULTIPLE PERIL CROP [2.2] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 22,697,910 23,825,566 28,165,311 33,009,076 54,175,906 56,607,068 87,063,605 106,076,544 120,147,321 124,552,046 135,097,974 149,383,394 157,369,292 167,863,693 181,107,816 5.0% 18.2% 17.2% 64.1% 4.5% 53.8% 21.8% 13.3% 3.7% 8.5% 10.6% 5.3% 6.7% 7.9% % Chg. Co.Count n/a n/a 8 8 7 10 12 11 9 9 10 11 10 10 11 EARNED PREMIUM 22,705,879 23,783,182 28,142,063 33,013,443 54,056,956 56,148,031 87,779,144 106,816,209 120,094,137 124,605,230 130,366,847 136,532,880 157,627,494 169,121,322 170,419,198 INCURRED LOSS 20,515,002 6,414,795 12,213,284 9,417,719 22,587,146 23,253,251 37,145,258 165,312,872 48,152,102 74,885,115 65,925,325 83,867,295 53,271,922 63,321,185 74,357,311 LOSS RATIO 90.35% 26.97% 43.40% 28.53% 41.78% 41.41% 42.32% 154.76% 40.10% 60.10% 50.57% 61.43% 33.80% 37.44% 43.63% PREMIUMS 200,000,000 180,000,000 160,000,000 140,000,000 120,000,000 100,000,000 80,000,000 60,000,000 40,000,000 20,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 15 14 13 12 11 10 9 8 7 6 5 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 180,000,000 160,000,000 140,000,000 120,000,000 100,000,000 80,000,000 60,000,000 40,000,000 20,000,000 0 19 91 INCURRED LOSS 160% 140% 120% 100% 80% 60% 40% 20% 0% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 LOSS RATIO 19 95 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: FEDERAL FLOOD INSURANCE [2.3] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 n/a n/a n/a n/a n/a n/a 100,229,015 119,539,377 115,038,190 116,576,700 119,638,395 109,175,639 117,073,697 129,403,437 128,920,096 n/a n/a n/a n/a n/a n/a 19.3% -3.8% 1.3% 2.6% -8.7% 7.2% 10.5% -0.4% % Chg. Co.Count n/a n/a n/a n/a n/a n/a 28 30 31 33 31 30 31 27 25 EARNED PREMIUM n/a n/a n/a n/a n/a n/a 69,830,179 115,993,835 113,041,340 121,832,200 120,413,259 114,213,125 103,107,416 122,117,004 126,622,564 INCURRED LOSS n/a n/a n/a n/a n/a n/a 35,107,075 49,589,998 2,310,618 2,829,616 3,094,321 2,170,159 4,173,292 3,884,452 23,348,105 LOSS RATIO n/a n/a n/a n/a n/a n/a 50.27% 42.75% 2.04% 2.32% 2.57% 1.90% 4.05% 3.18% 18.44% PREMIUMS 140,000,000 130,000,000 120,000,000 110,000,000 100,000,000 90,000,000 80,000,000 70,000,000 60,000,000 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 COMPANY COUNT 34 32 30 28 26 24 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 04 20 05 20 05 WRITTEN PREMIUM EARNED PREMIUM 60,000,000 50,000,000 40,000,000 30,000,000 20,000,000 10,000,000 0 19 97 19 98 INCURRED LOSS 60% 50% 40% 30% 20% 10% 0% 19 99 20 00 20 01 20 02 20 03 20 04 20 05 19 97 19 98 19 99 LOSS RATIO 20 00 20 01 20 02 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 03 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: FARMOWNERS MULTIPLE PERIL [3] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 79,732,672 83,174,327 89,860,318 93,197,184 98,839,057 100,383,541 105,966,774 116,892,992 117,178,020 119,759,532 127,739,163 144,374,124 156,533,386 165,643,632 185,144,419 4.3% 8.0% 3.7% 6.1% 1.6% 5.6% 10.3% 0.2% 2.2% 6.7% 13.0% 8.4% 5.8% 11.8% % Chg. Co.Count 44 46 42 47 46 41 37 39 43 41 38 36 37 32 31 EARNED PREMIUM 75,812,648 81,757,484 86,244,111 91,502,800 95,678,993 96,631,836 102,732,219 112,540,460 116,673,256 118,615,526 102,088,785 144,647,620 141,918,293 160,534,114 179,727,245 INCURRED LOSS 43,632,404 48,689,903 51,736,880 47,899,084 63,555,482 44,982,219 66,683,248 59,747,129 72,904,385 63,814,350 57,186,384 73,897,671 87,744,371 66,972,615 65,239,538 LOSS RATIO 57.55% 59.55% 59.99% 52.35% 66.43% 46.55% 64.91% 53.09% 62.49% 53.80% 56.02% 51.09% 61.83% 41.72% 36.30% PREMIUMS 190,000,000 170,000,000 150,000,000 130,000,000 110,000,000 90,000,000 70,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 48 46 44 42 40 38 36 34 32 30 28 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 90,000,000 85,000,000 80,000,000 75,000,000 70,000,000 65,000,000 60,000,000 55,000,000 50,000,000 45,000,000 40,000,000 19 91 19 93 INCURRED LOSS 80% 75% 70% 65% 60% 55% 50% 45% 40% 35% 30% 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 19 95 LOSS RATIO 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: HOMEOWNERS MULTIPLE PERIL [4] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2,398,651,496 2,555,745,940 2,669,536,350 2,757,073,066 2,934,990,317 3,090,172,058 3,219,673,063 3,445,849,365 3,560,100,595 3,740,477,538 3,992,960,925 4,565,626,156 5,296,194,308 5,843,429,606 6,305,176,422 6.5% 4.5% 3.3% 6.5% 5.3% 4.2% 7.0% 3.3% 5.1% 6.8% 14.3% 16.0% 10.3% 7.9% % Chg. Co.Count 191 188 179 176 180 157 156 153 163 161 166 152 148 125 113 EARNED PREMIUM 2,349,924,901 2,468,835,484 2,588,229,132 2,688,902,970 2,828,528,558 2,992,922,532 3,128,673,253 3,358,899,095 3,476,827,465 3,676,266,079 3,866,932,308 4,211,592,936 4,935,892,774 5,560,574,064 6,065,178,507 INCURRED LOSS 2,791,008,371 1,980,200,380 2,260,932,154 1,957,548,203 2,170,026,959 1,536,204,414 1,493,329,331 1,758,775,892 1,663,998,077 1,908,291,220 2,474,244,352 2,476,270,849 3,647,291,668 1,715,301,749 2,063,072,529 LOSS RATIO 118.77% 80.21% 87.35% 72.80% 76.72% 51.33% 47.73% 52.36% 47.86% 51.91% 63.98% 58.80% 73.89% 30.85% 34.02% PREMIUMS 6,500,000,000 6,000,000,000 5,500,000,000 5,000,000,000 4,500,000,000 4,000,000,000 3,500,000,000 3,000,000,000 2,500,000,000 2,000,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 200 190 180 170 160 150 140 130 120 110 100 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 4,000,000,000 3,500,000,000 3,000,000,000 2,500,000,000 2,000,000,000 1,500,000,000 1,000,000,000 19 91 INCURRED LOSS 140% 120% 100% 80% 60% 40% 20% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 LOSS RATIO 19 95 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: CMP: NON-LIABILITY [5.1] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 n/a 1,399,097,093 1,481,852,301 1,482,359,574 1,542,041,115 1,513,950,958 1,491,709,195 1,525,990,501 1,501,928,803 1,642,391,259 1,865,332,299 2,083,146,832 2,351,976,240 2,417,183,359 2,486,232,181 n/a 5.9% 0.0% 4.0% -1.8% -1.5% 2.3% -1.6% 9.4% 13.6% 11.7% 12.9% 2.8% 2.9% % Chg. Co.Count n/a 227 239 266 265 237 246 238 253 237 236 223 222 210 210 EARNED PREMIUM n/a 1,407,038,547 1,381,789,906 1,434,557,028 1,483,341,913 1,512,051,666 1,501,416,861 1,522,491,355 1,502,555,441 1,581,084,401 1,740,035,898 1,959,251,912 2,211,149,180 2,382,358,833 2,424,227,211 INCURRED LOSS n/a 1,138,898,185 739,744,249 1,633,266,837 981,769,303 731,645,613 702,229,038 689,704,986 855,791,253 905,739,816 1,115,276,405 1,043,827,539 919,261,420 835,026,877 921,989,603 LOSS RATIO n/a 80.94% 53.54% 113.85% 66.19% 48.39% 46.77% 45.30% 56.96% 57.29% 64.10% 53.28% 41.57% 35.05% 38.03% PREMIUMS 2,600,000,000 2,400,000,000 2,200,000,000 2,000,000,000 1,800,000,000 1,600,000,000 1,400,000,000 1,200,000,000 19 92 19 94 19 96 19 98 20 00 20 02 20 04 COMPANY COUNT 270 260 250 240 230 220 210 200 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 1,800,000,000 1,600,000,000 1,400,000,000 1,200,000,000 1,000,000,000 800,000,000 600,000,000 19 92 INCURRED LOSS 120% 110% 100% 90% 80% 70% 60% 50% 40% 30% 20% 19 94 19 96 19 98 20 00 20 02 20 04 LOSS RATIO California Department of Insurance Note: This report includes only companies with written premium greater than zero. 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 Rate Specialist Bureau - April 28, 2006 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: CMP: LIABILITY [5.2] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 n/a 1,313,606,574 1,437,969,751 1,443,221,955 1,488,358,847 1,404,607,591 1,411,486,248 1,403,985,856 1,329,410,174 1,319,704,258 1,400,325,178 1,486,184,218 1,690,220,948 1,784,084,348 1,820,364,393 n/a 9.5% 0.4% 3.1% -5.6% 0.5% -0.5% -5.3% -0.7% 6.1% 6.1% 13.7% 5.6% 2.0% % Chg. Co.Count n/a 211 231 255 251 222 228 233 238 231 227 214 209 189 188 EARNED PREMIUM n/a 1,388,274,854 1,383,075,569 1,431,737,884 1,464,619,109 1,383,848,064 1,396,531,928 1,379,247,307 1,363,525,179 1,323,986,601 1,352,685,965 1,405,649,329 1,576,812,920 1,737,716,235 1,821,415,546 INCURRED LOSS n/a 1,061,653,231 855,504,387 896,469,381 878,972,413 893,306,720 804,055,496 1,064,294,272 535,765,699 875,934,466 603,923,747 894,095,436 767,939,185 663,128,568 741,900,635 LOSS RATIO n/a 76.47% 61.86% 62.61% 60.01% 64.55% 57.58% 77.16% 39.29% 66.16% 44.65% 63.61% 48.70% 38.16% 40.73% PREMIUMS 1,900,000,000 1,800,000,000 1,700,000,000 1,600,000,000 1,500,000,000 1,400,000,000 1,300,000,000 1,200,000,000 19 92 19 94 19 96 19 98 20 00 20 02 20 04 COMPANY COUNT 260 250 240 230 220 210 200 190 180 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 1,200,000,000 1,100,000,000 1,000,000,000 900,000,000 800,000,000 700,000,000 600,000,000 500,000,000 19 92 INCURRED LOSS 80% 75% 70% 65% 60% 55% 50% 45% 40% 35% 30% 19 94 19 96 19 98 20 00 20 02 20 04 LOSS RATIO California Department of Insurance Note: This report includes only companies with written premium greater than zero. 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 Rate Specialist Bureau - April 28, 2006 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: MORTGAGE GUARANTY [6] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 n/a 233,252,217 311,846,920 336,721,239 388,403,825 442,630,852 465,010,864 464,291,304 428,247,914 475,241,558 508,808,025 564,793,942 585,425,919 505,750,484 439,788,935 n/a 33.7% 8.0% 15.3% 14.0% 5.1% -0.2% -7.8% 11.0% 7.1% 11.0% 3.7% -13.6% -13.0% % Chg. Co.Count n/a 17 17 19 18 17 17 16 15 14 15 16 16 17 17 EARNED PREMIUM n/a 208,832,395 280,149,626 343,761,310 396,683,081 454,105,971 480,931,641 479,248,102 453,570,199 474,363,857 529,721,454 565,808,545 588,849,773 512,372,329 425,957,198 INCURRED LOSS n/a 143,930,249 307,459,725 474,564,298 482,995,148 568,603,621 457,665,826 278,696,154 104,980,109 62,152,299 67,824,633 38,747,767 98,679,819 69,405,813 80,082,220 LOSS RATIO n/a 68.92% 109.75% 138.05% 121.76% 125.21% 95.16% 58.15% 23.15% 13.10% 12.80% 6.85% 16.76% 13.55% 18.80% PREMIUMS 600,000,000 550,000,000 500,000,000 450,000,000 400,000,000 350,000,000 300,000,000 250,000,000 200,000,000 19 92 19 94 19 96 19 98 20 00 20 02 20 04 COMPANY COUNT 20 19 18 17 16 15 14 13 12 11 10 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 600,000,000 500,000,000 400,000,000 300,000,000 200,000,000 100,000,000 0 19 92 INCURRED LOSS 160% 140% 120% 100% 80% 60% 40% 20% 0% 19 94 19 96 19 98 20 00 20 02 20 04 LOSS RATIO California Department of Insurance Note: This report includes only companies with written premium greater than zero. 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 Rate Specialist Bureau - April 28, 2006 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: OCEAN MARINE [8] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 107,722,953 118,089,522 133,055,429 162,075,019 179,628,137 187,230,090 174,807,298 175,044,722 162,158,038 169,957,549 190,554,387 218,989,754 237,436,343 265,657,215 276,327,638 9.6% 12.7% 21.8% 10.8% 4.2% -6.6% 0.1% -7.4% 4.8% 12.1% 14.9% 8.4% 11.9% 4.0% % Chg. Co.Count n/a 79 80 98 102 97 101 100 89 77 78 78 75 68 69 EARNED PREMIUM 107,190,994 116,848,811 129,500,304 154,028,532 168,913,870 187,790,529 178,915,048 173,797,357 159,321,520 163,240,803 185,692,823 206,305,719 228,414,107 264,202,583 269,118,823 INCURRED LOSS 67,643,790 66,897,967 74,079,559 91,622,703 87,480,183 108,817,853 92,582,355 121,190,406 108,870,966 113,058,550 109,212,125 119,103,371 195,096,574 149,417,414 272,493,618 LOSS RATIO 63.11% 57.25% 57.20% 59.48% 51.79% 57.95% 51.75% 69.73% 68.33% 69.26% 58.81% 57.73% 85.41% 56.55% 101.25% PREMIUMS 300,000,000 280,000,000 260,000,000 240,000,000 220,000,000 200,000,000 180,000,000 160,000,000 140,000,000 120,000,000 100,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 105 100 95 90 85 80 75 70 65 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 300,000,000 INCURRED LOSS 110% 100% 90% LOSS RATIO 250,000,000 200,000,000 80% 70% 60% 50% 150,000,000 100,000,000 50,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 40% 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: INLAND MARINE [9] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 737,528,056 747,797,258 823,191,818 933,492,565 972,834,100 971,937,118 931,329,300 918,155,556 992,067,178 958,935,926 1,160,180,496 1,240,125,336 1,333,179,167 1,309,070,663 1,394,632,693 1.4% 10.1% 13.4% 4.2% -0.1% -4.2% -1.4% 8.1% -3.3% 21.0% 6.9% 7.5% -1.8% 6.5% % Chg. Co.Count 319 313 310 366 354 305 301 295 302 297 311 295 285 285 270 EARNED PREMIUM 728,222,452 736,010,644 797,317,855 872,944,053 952,245,137 974,007,391 934,722,202 912,889,719 925,887,468 920,062,875 1,114,463,502 1,249,328,386 1,358,194,835 1,288,085,426 1,361,188,089 INCURRED LOSS 341,109,293 332,370,676 313,007,815 1,030,160,078 416,158,095 275,004,488 378,403,007 375,055,380 312,175,631 295,771,307 400,492,510 637,496,130 521,254,862 430,609,968 610,843,609 LOSS RATIO 46.84% 45.16% 39.26% 118.01% 43.70% 28.23% 40.48% 41.08% 33.72% 32.15% 35.94% 51.03% 38.38% 33.43% 44.88% PREMIUMS 1,500,000,000 1,400,000,000 1,300,000,000 1,200,000,000 1,100,000,000 1,000,000,000 900,000,000 800,000,000 700,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 380 360 340 320 300 280 260 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 1,100,000,000 1,000,000,000 900,000,000 800,000,000 700,000,000 600,000,000 500,000,000 400,000,000 300,000,000 200,000,000 19 91 INCURRED LOSS 140% 120% 100% 80% 60% 40% 20% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 LOSS RATIO 19 95 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: FINANCIAL GUARANTY [10] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 70,699,864 127,560,570 190,022,534 121,982,832 108,998,001 162,559,833 148,562,473 152,810,379 171,370,754 125,216,135 168,118,672 417,535,767 457,234,715 385,466,933 358,696,841 80.4% 49.0% -35.8% -10.6% 49.1% -8.6% 2.9% 12.1% -26.9% 34.3% 148.4% 9.5% -15.7% -6.9% % Chg. Co.Count 18 15 19 15 14 12 7 10 11 10 6 8 8 9 9 EARNED PREMIUM 24,648,562 37,647,506 65,998,420 51,236,348 44,775,685 58,622,741 69,909,730 85,705,501 92,540,873 91,057,413 95,857,037 121,660,455 180,776,297 197,599,940 265,849,089 INCURRED LOSS -21,514,597 10,028,668 -2,871,711 25,615,945 12,119,985 43,182,665 77,091 449,645 -51,750 1,169 -1,135,643 -582,103 3,232,914 -1,724,442 -1,405,016 LOSS RATIO -87.29% 26.64% -4.35% 50.00% 27.07% 73.66% 0.11% 0.52% -0.06% 0.00% -1.18% -0.48% 1.79% -0.87% -0.53% PREMIUMS 500,000,000 450,000,000 400,000,000 350,000,000 300,000,000 250,000,000 200,000,000 150,000,000 100,000,000 50,000,000 0 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 20 18 16 14 12 10 8 6 4 2 0 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 50,000,000 40,000,000 30,000,000 20,000,000 10,000,000 0 -10,000,000 -20,000,000 -30,000,000 19 91 19 93 INCURRED LOSS 150% 100% 50% 0% -50% -100% 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 LOSS RATIO 19 95 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: MEDICAL MALPRACTICE [11] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 479,663,284 468,231,310 474,101,262 510,239,908 531,375,570 437,474,242 564,351,627 599,260,197 533,411,144 526,016,546 579,626,699 649,019,958 716,109,806 708,973,375 696,532,534 -2.4% 1.3% 7.6% 4.1% -17.7% 29.0% 6.2% -11.0% -1.4% 10.2% 12.0% 10.3% -1.0% -1.8% % Chg. Co.Count 42 47 53 90 89 56 66 69 67 58 56 52 51 49 46 EARNED PREMIUM 483,083,221 469,861,987 510,339,210 507,567,628 533,929,446 422,718,481 551,318,918 579,762,444 547,677,842 547,757,297 562,199,882 657,029,612 697,072,664 694,789,507 697,186,167 INCURRED LOSS 50,777,603 170,424,895 193,177,205 184,672,843 221,664,167 211,688,829 242,817,287 207,169,202 226,422,741 208,893,535 321,427,533 334,545,327 326,628,942 268,810,711 246,400,108 LOSS RATIO 10.51% 36.27% 37.85% 36.38% 41.52% 50.08% 44.04% 35.73% 41.34% 38.14% 57.17% 50.92% 46.86% 38.69% 35.34% PREMIUMS 800,000,000 750,000,000 700,000,000 650,000,000 600,000,000 550,000,000 500,000,000 450,000,000 400,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 100 90 80 70 60 50 40 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 400,000,000 350,000,000 300,000,000 250,000,000 200,000,000 150,000,000 100,000,000 50,000,000 0 19 91 INCURRED LOSS 70% 60% 50% 40% 30% 20% 10% 0% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 19 95 LOSS RATIO 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: EARTHQUAKE [12] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 479,663,284 518,571,831 549,712,468 668,045,939 882,989,220 950,812,762 814,412,866 768,439,425 798,377,077 822,151,419 937,640,473 930,528,526 916,863,965 970,826,379 1,024,822,221 8.1% 6.0% 21.5% 32.2% 7.7% -14.3% -5.6% 3.9% 3.0% 14.0% -0.8% -1.5% 5.9% 5.6% % Chg. Co.Count 226 220 214 222 229 208 213 180 171 164 167 161 166 150 146 EARNED PREMIUM 483,083,221 481,401,801 526,538,095 622,870,915 740,270,005 935,686,727 859,299,731 782,596,613 781,016,231 826,194,330 883,638,806 912,234,065 917,805,658 948,342,277 976,098,590 INCURRED LOSS 50,777,603 61,514,432 14,327,587 7,424,935,087 1,082,188,518 54,461,174 333,734,451 76,629,132 37,321,548 171,261,981 270,521,983 216,667,259 185,391,016 158,237,403 183,859,230 LOSS RATIO 10.51% 12.78% 2.72% 1192.05% 146.19% 5.82% 38.84% 9.79% 4.78% 20.73% 30.61% 23.75% 20.20% 16.69% 18.84% PREMIUMS 1,100,000,000 1,000,000,000 900,000,000 800,000,000 700,000,000 600,000,000 500,000,000 400,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 240 220 200 180 160 140 120 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 10,000,000,000 INCURRED LOSS 10000% LOSS RATIO 1,000,000,000 1000% 100,000,000 100% 10,000,000 10% 1,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 1% 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: GROUP A & H [13] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 147,063,066 141,629,292 130,053,417 155,449,902 164,830,794 269,305,312 283,913,175 284,803,004 286,422,335 337,608,875 365,138,430 256,634,021 256,522,837 249,786,596 248,371,899 -3.7% -8.2% 19.5% 6.0% 63.4% 5.4% 0.3% 0.6% 17.9% 8.2% -29.7% 0.0% -2.6% -0.6% % Chg. Co.Count n/a 44 43 43 49 46 53 50 55 50 50 46 43 45 37 EARNED PREMIUM 149,462,880 142,992,670 126,871,321 156,744,826 161,680,743 266,179,972 283,009,780 280,457,032 281,316,072 328,873,475 359,759,715 241,497,933 240,377,854 232,176,026 228,157,154 INCURRED LOSS 120,529,075 115,557,138 112,803,878 102,553,855 110,419,156 198,728,166 195,698,189 284,129,235 183,582,650 281,526,254 200,636,948 183,173,380 159,934,886 141,357,928 123,865,216 LOSS RATIO 80.64% 80.81% 88.91% 65.43% 68.29% 74.66% 69.15% 101.31% 65.26% 85.60% 55.77% 75.85% 66.53% 60.88% 54.29% PREMIUMS 400,000,000 350,000,000 300,000,000 250,000,000 200,000,000 150,000,000 100,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 60 55 50 45 40 35 30 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 300,000,000 INCURRED LOSS 110% 100% 90% 80% LOSS RATIO 250,000,000 200,000,000 150,000,000 70% 100,000,000 60% 50% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 50,000,000 19 91 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: CREDIT A & H [14] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 16,375,025 13,047,681 15,573,094 41,744,699 48,184,720 54,134,814 49,749,691 62,214,254 121,081,906 108,172,992 107,007,851 82,236,726 60,305,353 45,111,417 38,883,970 -20.3% 19.4% 168.1% 15.4% 12.3% -8.1% 25.1% 94.6% -10.7% -1.1% -23.1% -26.7% -25.2% -13.8% % Chg. Co.Count n/a 5 5 7 6 7 7 7 8 8 7 7 7 7 6 EARNED PREMIUM 16,373,281 13,032,103 15,106,765 39,701,796 46,281,996 52,950,054 49,483,117 62,752,449 122,687,350 108,598,177 108,030,785 82,821,357 60,160,340 46,362,619 39,480,884 INCURRED LOSS 7,935,654 5,823,203 4,785,155 7,412,847 12,939,672 11,415,748 10,995,780 14,693,473 12,032,631 8,965,428 9,713,322 8,985,713 6,477,257 3,931,059 2,325,250 LOSS RATIO 48.47% 44.68% 31.68% 18.67% 27.96% 21.56% 22.22% 23.41% 9.81% 8.26% 8.99% 10.85% 10.77% 8.48% 5.89% PREMIUMS 140,000,000 120,000,000 100,000,000 80,000,000 60,000,000 40,000,000 20,000,000 0 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 9 8 8 7 7 6 6 5 5 4 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 16,000,000 14,000,000 12,000,000 10,000,000 8,000,000 6,000,000 4,000,000 2,000,000 0 19 91 19 93 INCURRED LOSS 60% 50% 40% 30% 20% 10% 0% 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 19 95 LOSS RATIO 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: COLLECTIVELY RENEWABLE A & H [15.1] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 5,729,071 5,001,683 4,970,336 6,251,951 5,425,174 1,529,319 697,762 1,323,742 732,150 828,703 586,325 560,981 894,399 2,833,716 2,150,591 -12.7% -0.6% 25.8% -13.2% -71.8% -54.4% 89.7% -44.7% 13.2% -29.2% -4.3% 59.4% 216.8% -24.1% % Chg. Co.Count n/a 10 10 9 9 6 5 5 4 4 5 5 4 5 6 EARNED PREMIUM 4,959,100 5,660,773 5,391,022 6,676,395 5,436,726 1,568,651 744,327 1,288,976 856,336 776,976 609,735 553,546 879,142 3,008,076 2,254,904 INCURRED LOSS 2,815,033 2,827,243 4,719,281 5,544,832 6,269,265 1,386,114 1,471,569 361,593 1,377,315 1,539,993 1,164,871 492,160 2,741,114 1,682,080 2,060,800 LOSS RATIO 56.76% 49.94% 87.54% 83.05% 115.31% 88.36% 197.70% 28.05% 160.84% 198.20% 191.05% 88.91% 311.79% 55.92% 91.39% PREMIUMS 8,000,000 7,000,000 6,000,000 5,000,000 4,000,000 3,000,000 2,000,000 1,000,000 0 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 11 10 9 8 7 6 5 4 3 2 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 7,000,000 6,000,000 5,000,000 4,000,000 3,000,000 2,000,000 1,000,000 0 19 91 19 93 INCURRED LOSS 350% 300% 250% 200% 150% 100% 50% 0% 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 LOSS RATIO 19 95 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: NON-CANCELLABLE A & H [15.2] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 33,548 27,099 19,944 18,369 12,436 7,374 7,035 2,823 2,897 112,123 28,867 22,936 10,733 5,253 5,965 -19.2% -26.4% -7.9% -32.3% -40.7% -4.6% -59.9% 2.6% 3770.3% -74.3% -20.5% -53.2% -51.1% 13.6% % Chg. Co.Count n/a 6 5 5 5 5 5 4 3 3 3 3 3 2 2 EARNED PREMIUM 43,951 35,153 26,820 19,373 33,279 9,264 9,622 3,263 10,192 113,395 29,519 35,785 10,733 5,249 5,965 INCURRED LOSS 17,494 27,291 -52,101 11,926 -8,711 -968 -1,086 -167 -68 138,573 69,547 43,645 14,736 13,287 83,867 LOSS RATIO 39.80% 77.63% -194.26% 61.56% -26.18% -10.45% -11.29% -5.12% -0.67% 122.20% 235.60% 121.96% 137.30% 253.13% 1405.98% PREMIUMS 120,000 100,000 80,000 60,000 40,000 20,000 0 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 7 6 5 4 3 2 1 0 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 150,000 INCURRED LOSS 1600% 1400% 1200% 1000% 800% 600% 400% 200% 0% -200% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 LOSS RATIO 100,000 50,000 0 -50,000 -100,000 19 91 -400% 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: GUARANTEED RENEWABLE A & H [15.3] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 29,700,782 22,771,075 19,378,033 20,093,210 21,468,989 26,562,328 36,849,354 40,522,298 48,102,101 55,875,156 65,610,618 75,559,405 82,417,692 82,285,208 84,945,635 -23.3% -14.9% 3.7% 6.8% 23.7% 38.7% 10.0% 18.7% 16.2% 17.4% 15.2% 9.1% -0.2% 3.2% % Chg. Co.Count n/a 19 18 19 18 14 12 12 12 12 11 12 11 11 10 EARNED PREMIUM 26,774,643 22,541,116 12,146,305 14,564,377 13,853,449 15,451,552 22,994,382 23,449,913 26,248,846 28,254,687 30,292,837 35,309,627 34,991,624 36,074,710 30,804,102 INCURRED LOSS 18,974,534 16,403,642 10,304,790 10,315,474 9,673,233 14,985,288 19,072,681 14,131,771 17,619,968 21,399,597 27,446,861 41,852,350 34,539,706 36,849,705 48,249,697 LOSS RATIO 70.87% 72.77% 84.84% 70.83% 69.83% 96.98% 82.94% 60.26% 67.13% 75.74% 90.61% 118.53% 98.71% 102.15% 156.63% PREMIUMS 90,000,000 80,000,000 70,000,000 60,000,000 50,000,000 40,000,000 30,000,000 20,000,000 10,000,000 0 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 20 18 16 14 12 10 8 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 60,000,000 50,000,000 40,000,000 30,000,000 20,000,000 INCURRED LOSS 180% 160% 140% 120% 100% 80% LOSS RATIO 10,000,000 0 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 60% 40% 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: NON-RENEW. - STATED REASONS ONLY [15.4] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 14,452,765 15,050,774 13,839,310 11,322,543 9,561,582 9,155,688 11,141,737 15,844,943 13,303,438 10,344,398 11,033,462 10,636,335 10,683,893 10,938,808 10,540,738 4.1% -8.0% -18.2% -15.6% -4.2% 21.7% 42.2% -16.0% -22.2% 6.7% -3.6% 0.4% 2.4% -3.6% % Chg. Co.Count n/a 8 8 10 9 9 8 9 6 7 7 6 4 3 4 EARNED PREMIUM 13,836,103 15,186,573 13,874,672 12,058,502 9,983,551 9,374,666 10,083,689 15,032,525 14,377,819 11,361,780 11,290,095 10,643,821 10,609,665 10,821,974 10,646,964 INCURRED LOSS 10,395,857 9,389,908 8,262,857 7,917,690 6,704,013 7,018,531 10,357,492 9,045,457 12,193,246 8,292,766 8,558,962 8,576,809 8,014,547 6,188,401 6,835,021 LOSS RATIO 75.14% 61.83% 59.55% 65.66% 67.15% 74.87% 102.72% 60.17% 84.81% 72.99% 75.81% 80.58% 75.54% 57.18% 64.20% PREMIUMS 17,000,000 16,000,000 15,000,000 14,000,000 13,000,000 12,000,000 11,000,000 10,000,000 9,000,000 8,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 11 10 9 8 7 6 5 4 3 2 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 13,000,000 12,000,000 11,000,000 10,000,000 9,000,000 8,000,000 7,000,000 6,000,000 5,000,000 4,000,000 19 91 19 93 INCURRED LOSS 110% 100% 90% 80% 70% 60% 50% 40% 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 LOSS RATIO 19 95 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: OTHER ACCIDENT ONLY [15.5] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 10,840,462 12,344,168 13,335,508 16,531,596 20,187,826 20,784,062 6,839,077 21,565,645 20,588,275 34,688,321 35,169,910 33,342,091 30,444,316 30,019,321 14,101,491 13.9% 8.0% 24.0% 22.1% 3.0% -67.1% 215.3% -4.5% 68.5% 1.4% -5.2% -8.7% -1.4% -53.0% % Chg. Co.Count n/a 23 24 21 23 22 17 16 14 13 13 14 11 9 9 EARNED PREMIUM 11,338,413 12,130,746 13,144,516 16,171,155 18,808,680 20,802,637 7,007,174 20,882,563 21,529,269 33,208,355 35,636,246 33,610,089 30,875,187 29,422,933 14,175,568 INCURRED LOSS 3,879,322 3,119,568 3,619,576 4,424,977 6,644,808 4,613,643 1,284,112 689,086 775,335 3,546,871 7,305,461 12,493,045 1,154,487 3,267,469 3,497,029 LOSS RATIO 34.21% 25.72% 27.54% 27.36% 35.33% 22.18% 18.33% 3.30% 3.60% 10.68% 20.50% 37.17% 3.74% 11.11% 24.67% PREMIUMS 40,000,000 35,000,000 30,000,000 25,000,000 20,000,000 15,000,000 10,000,000 5,000,000 0 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 25 23 21 19 17 15 13 11 9 7 5 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 14,000,000 12,000,000 10,000,000 8,000,000 6,000,000 4,000,000 2,000,000 0 19 91 19 93 INCURRED LOSS 40% 35% 30% 25% 20% 15% 10% 5% 0% 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 19 95 LOSS RATIO 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: ALL OTHER A&H [15.6] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 55,180,324 53,233,664 66,804,433 59,078,162 56,758,759 64,114,501 86,699,242 73,402,081 17,384,396 11,495,403 10,348,049 8,378,723 6,563,311 6,880,715 12,698,608 -3.5% 25.5% -11.6% -3.9% 13.0% 35.2% -15.3% -76.3% -33.9% -10.0% -19.0% -21.7% 4.8% 84.6% % Chg. Co.Count n/a 26 23 20 19 15 17 16 14 13 13 9 9 9 11 EARNED PREMIUM 55,062,256 52,100,067 67,010,136 61,306,514 53,074,455 68,461,069 89,276,994 74,378,105 16,594,552 12,331,528 10,545,798 8,297,348 6,295,163 6,861,988 9,408,134 INCURRED LOSS 46,145,220 38,543,399 43,071,691 38,858,405 37,920,815 28,954,283 15,075,267 12,621,437 10,921,684 8,096,280 8,949,592 3,134,247 3,230,670 3,177,973 6,115,284 LOSS RATIO 83.81% 73.98% 64.28% 63.38% 71.45% 42.29% 16.89% 16.97% 65.81% 65.66% 84.86% 37.77% 51.32% 46.31% 65.00% PREMIUMS 100,000,000 90,000,000 80,000,000 70,000,000 60,000,000 50,000,000 40,000,000 30,000,000 20,000,000 10,000,000 0 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 30 25 20 15 10 5 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 50,000,000 45,000,000 40,000,000 35,000,000 30,000,000 25,000,000 20,000,000 15,000,000 10,000,000 5,000,000 0 19 91 19 93 INCURRED LOSS 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 19 95 LOSS RATIO 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: WORKERS' COMPENSATION [16] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 8,508,295,542 8,596,782,372 9,019,992,732 7,615,932,674 5,060,488,643 4,641,713,409 4,920,517,490 5,435,008,535 5,738,487,462 6,430,560,370 8,439,566,246 10,876,609,874 14,702,619,538 16,105,098,218 14,592,722,090 1.0% 4.9% -15.6% -33.6% -8.3% 6.0% 10.5% 5.6% 12.1% 31.2% 28.9% 35.2% 9.5% -9.4% % Chg. Co.Count 246 243 235 237 238 234 241 249 246 244 235 230 224 213 210 EARNED PREMIUM 8,734,534,512 8,724,243,691 9,139,512,975 7,765,645,959 5,263,838,980 4,564,616,839 4,784,724,347 5,321,460,727 5,609,008,031 6,163,646,831 8,227,250,405 10,376,038,384 14,232,903,111 15,926,010,096 14,557,496,792 INCURRED LOSS 6,854,321,071 6,914,923,749 5,953,581,927 4,137,463,447 3,209,322,485 3,677,609,046 4,074,949,568 4,731,250,670 5,848,934,594 6,679,399,029 8,069,939,151 10,107,894,184 11,135,065,547 10,168,356,211 8,346,439,922 LOSS RATIO 78.47% 79.26% 65.14% 53.28% 60.97% 80.57% 85.17% 88.91% 104.28% 108.37% 98.09% 97.42% 78.23% 63.85% 57.33% PREMIUMS 18,000,000,000 16,000,000,000 14,000,000,000 12,000,000,000 10,000,000,000 8,000,000,000 6,000,000,000 4,000,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 260 250 240 230 220 210 200 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 12,000,000,000 11,000,000,000 10,000,000,000 9,000,000,000 8,000,000,000 7,000,000,000 6,000,000,000 5,000,000,000 4,000,000,000 3,000,000,000 2,000,000,000 19 91 INCURRED LOSS 120% 110% 100% 90% 80% 70% 60% 50% 40% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 LOSS RATIO 19 95 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: OTHER LIABILITY [17] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 1,919,742,983 1,930,427,697 1,988,025,500 2,079,240,674 2,048,743,193 2,093,018,711 2,180,938,293 2,329,854,232 2,197,991,544 2,613,633,550 3,130,883,566 3,789,176,694 3,977,679,724 4,434,547,541 4,403,542,735 0.6% 3.0% 4.6% -1.5% 2.2% 4.2% 6.8% -5.7% 18.9% 19.8% 21.0% 5.0% 11.5% -0.7% % Chg. Co.Count 337 330 323 430 430 332 347 350 365 358 363 342 346 329 337 EARNED PREMIUM 1,969,405,216 1,898,880,052 1,898,463,742 2,066,068,818 1,990,572,529 1,991,368,240 2,085,559,396 2,301,723,885 2,243,979,040 2,364,234,120 2,998,260,038 3,458,229,114 4,071,985,745 4,184,590,090 4,281,170,576 INCURRED LOSS 1,482,978,741 2,838,934,421 1,919,323,886 1,439,468,154 1,670,266,720 1,385,790,604 1,337,576,004 1,866,480,371 1,517,846,740 1,680,735,530 1,986,613,623 2,833,891,991 2,880,436,908 3,054,267,175 2,895,594,809 LOSS RATIO 75.30% 149.51% 101.10% 69.67% 83.91% 69.59% 64.14% 81.09% 67.64% 71.09% 66.26% 81.95% 70.74% 72.99% 67.64% PREMIUMS 5,000,000,000 4,500,000,000 4,000,000,000 3,500,000,000 3,000,000,000 2,500,000,000 2,000,000,000 1,500,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 440 420 400 380 360 340 320 300 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 3,500,000,000 INCURRED LOSS 170% 150% 130% 110% LOSS RATIO 3,000,000,000 2,500,000,000 2,000,000,000 90% 1,500,000,000 70% 50% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 1,000,000,000 19 91 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: PRODUCTS LIABILITY [18] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 168,856,572 160,862,220 180,152,322 180,862,703 180,949,732 169,308,922 170,917,205 179,247,807 148,973,143 146,533,783 208,959,607 215,113,321 224,589,653 335,319,444 228,594,215 -4.7% 12.0% 0.4% 0.0% -6.4% 0.9% 4.9% -16.9% -1.6% 42.6% 2.9% 4.4% 49.3% -31.8% % Chg. Co.Count n/a 169 164 219 217 164 163 163 170 159 164 148 146 143 141 EARNED PREMIUM 177,658,586 162,371,845 169,699,572 155,851,495 179,343,694 167,060,440 169,417,571 183,326,199 145,580,501 141,038,848 182,553,030 201,184,580 216,239,029 304,268,457 256,794,926 INCURRED LOSS 222,452,028 255,180,365 1,270,793,022 261,444,769 379,173,984 355,831,673 213,880,304 265,104,908 169,183,291 208,563,708 399,358,692 1,175,297,535 137,930,562 359,915,831 211,452,572 LOSS RATIO 125.21% 157.16% 748.85% 167.75% 211.42% 213.00% 126.24% 144.61% 116.21% 147.88% 218.76% 584.19% 63.79% 118.29% 82.34% PREMIUMS 350,000,000 300,000,000 250,000,000 200,000,000 150,000,000 100,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 240 220 200 180 160 140 120 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 1,400,000,000 1,200,000,000 1,000,000,000 800,000,000 600,000,000 400,000,000 200,000,000 0 19 91 INCURRED LOSS 800% 700% 600% 500% 400% 300% 200% 100% 0% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 LOSS RATIO 19 95 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: P.P. AUTO NO-FAULT [19.1] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 3,549,839 944,642 84,769 13,497,507 15,709,335 18,583,299 32,289 9,706,172 21,176,793 3,952,615 17,230,667 1,844,478 1,160 3,644,189 1,285,146 -73% -91% 15823% 16% 18% -100% 29960% 118% -81% 336% -89% -100% 314054% % Chg. Co.Count n/a 15 15 15 12 7 15 8 11 9 8 9 4 8 4 EARNED PREMIUM 4,281,810 911,845 85,911 14,456,886 16,413,308 18,329,726 25,690 7,056,075 23,076,396 3,413,716 16,574,238 1,900,063 596 2,279,231 816,979 INCURRED LOSS 5,067 781,123 951,241 12,860,055 10,876,394 10,729,406 55,669 5,524,794 10,033,644 2,410,250 10,468,262 1,440,122 4,744 2,513,873 94,627 LOSS RATIO 0.12% 85.66% 1107.24% 88.95% 66.27% 58.54% 216.70% 78.30% 43.48% 70.60% 63.16% 75.79% 795.97% 110.29% 11.58% -65% PREMIUMS 25,000,000 20,000,000 15,000,000 10,000,000 COMPANY COUNT 16 14 12 10 8 5,000,000 0 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 6 4 2 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 14,000,000 12,000,000 10,000,000 8,000,000 6,000,000 4,000,000 2,000,000 0 19 91 19 93 INCURRED LOSS 1200% 1000% 800% 600% 400% 200% 0% 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 LOSS RATIO 19 95 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium Rate Specialist Bureau - Revised November 8, 2006 greater than zero. 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: PRIVATE PASSENGER AUTO LIABILITY [19.2] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 7,699,752,043 7,338,845,146 7,290,322,891 7,275,425,912 7,563,440,188 7,734,108,034 8,796,194,572 8,452,351,357 7,974,623,723 7,919,316,572 8,466,006,397 9,475,139,315 10,431,568,262 10,724,262,980 10,804,620,473 -4.7% -0.7% -0.2% 4.0% 2.3% 13.7% -3.9% -5.7% -0.7% 6.9% 11.9% 10.1% 2.8% 0.7% % Chg. Co.Count 214 199 204 214 209 199 207 218 227 242 238 231 228 213 193 EARNED PREMIUM 7,744,149,657 7,467,088,200 7,209,315,430 7,218,242,134 7,479,544,239 7,684,493,886 8,541,145,705 8,491,251,877 8,006,951,555 7,981,933,482 8,340,734,415 9,128,623,682 10,169,703,978 10,581,592,132 10,716,466,808 INCURRED LOSS 5,174,507,699 4,764,423,001 4,574,662,114 4,554,602,186 4,341,810,741 4,210,066,396 4,167,660,111 4,450,515,689 4,684,378,285 5,448,618,819 5,690,894,896 5,955,614,019 6,124,145,175 5,786,219,643 5,802,003,635 LOSS RATIO 66.82% 63.81% 63.45% 63.10% 58.05% 54.79% 48.80% 52.41% 58.50% 68.26% 68.23% 65.24% 60.22% 54.68% 54.14% PREMIUMS 12,000,000,000 11,000,000,000 10,000,000,000 9,000,000,000 8,000,000,000 7,000,000,000 6,000,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 250 240 230 220 210 200 190 180 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 6,500,000,000 INCURRED LOSS 70% 65% 60% 55% 50% 45% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 19 95 LOSS RATIO 6,000,000,000 5,500,000,000 5,000,000,000 4,500,000,000 4,000,000,000 19 91 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium Rate Specialist Bureau - Revised November 8, 2006 greater than zero. 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: COMM. AUTO NO-FAULT [19.3] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 45,391 68,378 986,807 71,252 35,283 64,378 33,739 529,151 1,390,217 135,054 355,581 252,845 194,325 333,337 595,915 50.6% 1343.2% -92.8% -50.5% 82.5% -47.6% 1468.4% 162.7% -90.3% 163.3% -28.9% -23.1% 71.5% 78.8% % Chg. Co.Count n/a 16 15 16 20 14 15 22 16 19 22 15 18 17 17 EARNED PREMIUM 237,966 59,763 840,317 65,557 56,228 56,626 34,958 513,743 1,325,519 191,875 291,002 282,892 172,042 357,862 220,518 INCURRED LOSS -622,429 32,961 161,671 52,998 -13,687 4,276 56,717 37,657 -3,002,091 -4,399,996 -24,602 146,438 255,202 85,387 71,766 LOSS RATIO -261.56% 55.15% 19.24% 80.84% -24.34% 7.55% 162.24% 7.33% -226.48% -2293.16% -8.45% 51.76% 148.34% 23.86% 32.54% PREMIUMS 10,000,000 COMPANY COUNT 24 22 1,000,000 20 18 16 100,000 10,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 14 12 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 1,000,000 INCURRED LOSS 500% 0% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 LOSS RATIO 0 19 91 19 95 19 97 19 99 20 01 -1,000,000 -500% -1000% -1500% -2000% -2500% -2,000,000 -3,000,000 -4,000,000 -5,000,000 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 03 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: COMMERCIAL AUTO LIABILITY [19.4] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 1,524,042,947 1,344,440,114 1,358,069,005 1,338,784,852 1,335,007,833 1,271,150,159 1,313,184,757 1,292,046,497 1,323,620,995 1,432,155,520 1,685,861,375 1,934,002,209 2,082,367,154 2,182,834,110 2,200,854,554 -11.8% 1.0% -1.4% -0.3% -4.8% 3.3% -1.6% 2.4% 8.2% 17.7% 14.7% 7.7% 4.8% 0.8% % Chg. Co.Count 263 263 254 296 306 265 275 272 279 279 277 262 257 230 233 EARNED PREMIUM 1,506,898,875 1,367,496,522 1,316,967,513 1,317,682,349 1,323,125,810 1,269,507,135 1,286,243,657 1,297,097,077 1,335,749,679 1,356,393,051 1,539,466,984 1,809,690,133 1,983,432,457 2,119,544,691 2,182,217,073 INCURRED LOSS 1,056,853,980 892,153,956 762,029,052 810,575,242 783,837,269 794,415,429 674,349,036 854,948,832 905,534,921 920,676,228 1,095,005,705 1,157,592,875 1,201,503,962 1,081,111,358 1,076,307,200 LOSS RATIO 70.13% 65.24% 57.86% 61.52% 59.24% 62.58% 52.43% 65.91% 67.79% 67.88% 71.13% 63.97% 60.58% 51.01% 49.32% PREMIUMS 2,400,000,000 2,200,000,000 2,000,000,000 1,800,000,000 1,600,000,000 1,400,000,000 1,200,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 320 310 300 290 280 270 260 250 240 230 220 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 1,300,000,000 1,200,000,000 1,100,000,000 1,000,000,000 900,000,000 800,000,000 700,000,000 600,000,000 19 91 INCURRED LOSS 75% 70% 65% 60% 55% 50% 45% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 19 95 LOSS RATIO 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: P.P. AUTO PHYSICAL DAMAGE [21.1] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 3,994,535,670 4,004,867,944 4,206,272,494 4,293,269,292 4,415,236,361 4,516,305,794 4,819,494,387 5,055,795,761 5,315,200,087 5,624,794,681 6,325,003,208 7,150,120,696 7,900,430,670 8,282,950,985 8,493,202,402 0.3% 5.0% 2.1% 2.8% 2.3% 6.7% 4.9% 5.1% 5.8% 12.4% 13.0% 10.5% 4.8% 2.5% % Chg. Co.Count 222 204 201 203 208 199 203 219 239 237 239 231 221 212 196 EARNED PREMIUM 3,996,112,007 3,984,727,516 4,115,571,737 4,255,263,585 4,397,818,244 4,434,647,866 4,724,633,248 4,927,492,928 5,198,630,892 5,532,745,381 6,097,965,909 6,863,729,860 7,702,553,630 8,144,811,317 8,371,790,775 INCURRED LOSS 2,199,074,668 2,211,775,060 2,427,657,463 2,616,227,138 2,842,755,465 2,843,791,909 2,944,936,798 3,150,988,428 3,231,996,138 3,790,510,167 4,355,983,961 4,517,260,996 4,480,725,937 4,452,102,693 4,717,974,180 LOSS RATIO 55.03% 55.51% 58.99% 61.48% 64.64% 64.13% 62.33% 63.95% 62.17% 68.51% 71.43% 65.81% 58.17% 54.66% 56.36% PREMIUMS 9,000,000,000 8,000,000,000 7,000,000,000 6,000,000,000 5,000,000,000 4,000,000,000 3,000,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 250 240 230 220 210 200 190 180 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 5,000,000,000 4,500,000,000 4,000,000,000 INCURRED LOSS 75% 70% 65% LOSS RATIO 3,500,000,000 3,000,000,000 2,500,000,000 2,000,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 60% 55% 50% 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: COMMERCIAL AUTO PHYSICAL DAMAGE [21.2] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 505,775,500 454,652,372 450,726,420 470,577,644 489,660,971 455,976,595 451,718,270 486,110,622 500,981,013 539,106,013 616,875,365 733,312,045 745,062,867 751,766,696 786,550,610 -10.1% -0.9% 4.4% 4.1% -6.9% -0.9% 7.6% 3.1% 7.6% 14.4% 18.9% 1.6% 0.9% 4.6% % Chg. Co.Count 251 251 252 290 292 261 260 273 269 270 267 260 261 236 235 EARNED PREMIUM 521,111,890 458,938,234 457,983,490 456,069,731 477,242,597 455,048,376 459,983,944 488,017,836 478,419,279 518,008,917 598,601,558 680,198,940 718,556,037 744,724,057 768,648,974 INCURRED LOSS 201,168,473 192,419,653 193,883,787 207,826,612 252,924,718 248,412,849 254,708,968 259,295,917 275,485,330 308,751,951 327,550,191 368,497,799 350,440,446 315,307,772 359,152,035 LOSS RATIO 38.60% 41.93% 42.33% 45.57% 53.00% 54.59% 55.37% 53.13% 57.58% 59.60% 54.72% 54.18% 48.77% 42.34% 46.73% PREMIUMS 850,000,000 800,000,000 750,000,000 700,000,000 650,000,000 600,000,000 550,000,000 500,000,000 450,000,000 400,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 300 290 280 270 260 250 240 230 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 400,000,000 INCURRED LOSS 65% 60% 55% 50% LOSS RATIO 350,000,000 300,000,000 250,000,000 45% 200,000,000 40% 35% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 150,000,000 19 91 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: AIRCRAFT [22] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 75,618,152 77,077,615 90,420,328 95,291,229 96,220,253 104,452,979 97,928,998 106,747,284 111,189,724 122,633,141 140,726,723 199,838,416 232,203,048 207,839,052 220,325,594 1.9% 17.3% 5.4% 1.0% 8.6% -6.2% 9.0% 4.2% 10.3% 14.8% 42.0% 16.2% -10.5% 6.0% % Chg. Co.Count 51 51 49 61 60 51 45 42 36 43 32 24 32 29 33 EARNED PREMIUM 73,421,581 75,333,217 83,447,497 88,818,251 94,226,827 105,156,153 94,612,073 103,761,323 106,270,907 113,070,990 132,261,971 179,887,386 215,949,832 211,510,208 214,316,515 INCURRED LOSS 77,539,261 56,398,670 114,665,295 94,333,187 50,225,016 31,003,381 53,900,661 88,351,780 68,348,776 59,903,123 83,901,980 157,794,111 98,802,774 72,186,320 56,175,589 LOSS RATIO 105.61% 74.87% 137.41% 106.21% 53.30% 29.48% 56.97% 85.15% 64.32% 52.98% 63.44% 87.72% 45.75% 34.13% 26.21% PREMIUMS 250,000,000 230,000,000 210,000,000 190,000,000 170,000,000 150,000,000 130,000,000 110,000,000 90,000,000 70,000,000 50,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 65 60 55 50 45 40 35 30 25 20 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 180,000,000 160,000,000 140,000,000 120,000,000 100,000,000 80,000,000 60,000,000 40,000,000 20,000,000 0 19 91 INCURRED LOSS 160% 140% 120% 100% 80% 60% 40% 20% 0% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 LOSS RATIO 19 95 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: FIDELITY [23] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 97,428,675 100,588,951 103,490,508 103,604,473 98,249,069 96,948,835 87,729,907 79,081,099 81,248,339 81,372,352 88,063,380 113,804,124 130,185,426 131,705,443 132,829,042 3.2% 2.9% 0.1% -5.2% -1.3% -9.5% -9.9% 2.7% 0.2% 8.2% 29.2% 14.4% 1.2% 0.9% % Chg. Co.Count 134 129 126 135 131 132 129 123 125 129 124 128 113 106 113 EARNED PREMIUM 97,441,583 97,003,794 100,636,157 103,608,231 100,549,622 97,063,760 87,157,512 80,860,659 79,881,038 76,777,163 86,687,723 102,812,597 123,445,298 131,581,655 132,494,432 INCURRED LOSS 34,927,087 60,650,046 46,950,592 60,542,438 73,090,112 47,727,213 63,323,781 60,856,266 49,554,646 52,264,618 51,839,040 55,229,126 53,081,472 64,193,580 57,321,454 LOSS RATIO 35.84% 62.52% 46.65% 58.43% 72.69% 49.17% 72.65% 75.26% 62.04% 68.07% 59.80% 53.72% 43.00% 48.79% 43.26% PREMIUMS 140,000,000 130,000,000 120,000,000 110,000,000 100,000,000 90,000,000 80,000,000 70,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 140 135 130 125 120 115 110 105 100 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 80,000,000 75,000,000 70,000,000 65,000,000 60,000,000 55,000,000 50,000,000 45,000,000 40,000,000 35,000,000 30,000,000 19 91 19 93 INCURRED LOSS 80% 75% 70% 65% 60% 55% 50% 45% 40% 35% 30% 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 19 95 LOSS RATIO 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: SURETY [24] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 322,665,125 306,274,471 324,688,687 332,160,203 332,344,889 331,837,437 338,690,574 374,268,096 385,654,818 401,394,544 434,048,078 519,568,904 532,835,878 585,612,090 616,634,014 -5.1% 6.0% 2.3% 0.1% -0.2% 2.1% 10.5% 3.0% 4.1% 8.1% 19.7% 2.6% 9.9% 5.3% % Chg. Co.Count 169 166 171 168 176 172 170 170 175 178 167 160 157 151 158 EARNED PREMIUM 325,210,942 311,393,304 318,810,502 325,066,497 327,956,001 323,790,844 338,853,474 363,664,518 372,868,979 373,905,400 407,879,371 476,915,984 503,081,276 551,090,609 600,357,023 INCURRED LOSS 116,084,650 109,397,531 83,729,709 106,191,039 135,401,845 66,947,610 66,083,219 125,878,166 88,711,294 147,539,691 236,316,279 275,792,299 268,301,144 329,742,582 223,542,869 LOSS RATIO 35.70% 35.13% 26.26% 32.67% 41.29% 20.68% 19.50% 34.61% 23.79% 39.46% 57.94% 57.83% 53.33% 59.83% 37.23% PREMIUMS 650,000,000 600,000,000 550,000,000 500,000,000 450,000,000 400,000,000 350,000,000 300,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 180 175 170 165 160 155 150 145 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 350,000,000 300,000,000 250,000,000 200,000,000 150,000,000 100,000,000 50,000,000 0 19 91 INCURRED LOSS 70% 60% 50% 40% 30% 20% 10% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 19 95 LOSS RATIO 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: BURGLARY & THEFT [26] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 10,442,925 10,990,810 13,302,978 15,104,818 13,620,650 13,164,143 18,130,151 15,677,919 13,553,707 16,430,831 14,952,223 13,413,024 13,609,397 15,079,132 14,407,859 5.2% 21.0% 13.5% -9.8% -3.4% 37.7% -13.5% -13.5% 21.2% -9.0% -10.3% 1.5% 10.8% -4.5% % Chg. Co.Count 120 117 120 123 119 110 107 101 100 102 109 108 96 97 100 EARNED PREMIUM 10,118,590 10,651,229 12,192,097 14,121,989 13,703,221 13,131,355 17,216,384 15,795,604 12,701,383 14,964,263 15,088,738 14,770,328 14,014,384 14,183,691 14,315,638 INCURRED LOSS 934,000 1,349,994 3,508,786 3,201,499 2,768,558 2,260,995 2,782,984 3,731,457 -215,866 3,382,614 5,650,660 -1,707,492 13,583,502 4,340,590 2,656,494 LOSS RATIO 9.23% 12.67% 28.78% 22.67% 20.20% 17.22% 16.16% 23.62% -1.70% 22.60% 37.45% -11.56% 96.93% 30.60% 18.56% PREMIUMS 19,000,000 18,000,000 17,000,000 16,000,000 15,000,000 14,000,000 13,000,000 12,000,000 11,000,000 10,000,000 9,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 130 125 120 115 110 105 100 95 90 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 16,000,000 14,000,000 12,000,000 10,000,000 8,000,000 6,000,000 4,000,000 2,000,000 0 -2,000,000 -4,000,000 19 91 19 93 INCURRED LOSS 120% 100% 80% 60% 40% 20% 0% -20% 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 LOSS RATIO 19 95 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: BOILER & MACHINERY [27] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 54,393,378 54,558,434 61,248,754 57,937,256 64,109,843 67,664,271 67,948,452 54,738,090 59,507,202 67,777,408 83,510,907 103,907,937 105,512,603 97,364,552 97,281,077 0.3% 12.3% -5.4% 10.7% 5.5% 0.4% -19.4% 8.7% 13.9% 23.2% 24.4% 1.5% -7.7% -0.1% % Chg. Co.Count 82 84 88 94 87 80 86 96 108 113 106 113 113 102 105 EARNED PREMIUM 53,225,846 54,380,585 57,559,895 55,922,832 61,391,927 65,145,478 66,932,256 61,484,009 59,477,264 62,878,823 74,551,809 94,629,638 105,085,482 99,277,220 99,081,807 INCURRED LOSS 33,543,103 45,627,757 38,783,353 26,059,927 28,279,603 32,321,915 22,370,865 34,231,919 30,152,539 21,883,121 27,561,887 19,662,999 19,740,681 15,308,733 9,423,777 LOSS RATIO 63.02% 83.90% 67.38% 46.60% 46.06% 49.61% 33.42% 55.68% 50.70% 34.80% 36.97% 20.78% 18.79% 15.42% 9.51% PREMIUMS 110,000,000 100,000,000 90,000,000 80,000,000 70,000,000 60,000,000 50,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 115 110 105 100 95 90 85 80 75 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 50,000,000 45,000,000 40,000,000 35,000,000 30,000,000 25,000,000 20,000,000 15,000,000 10,000,000 5,000,000 0 19 91 19 93 INCURRED LOSS 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 19 95 LOSS RATIO 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: CREDIT [28] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 60,430,534 30,609,207 35,540,377 45,318,231 41,653,030 51,504,991 53,107,848 62,146,962 53,460,443 55,478,503 74,116,972 79,319,261 79,165,941 82,452,987 88,451,935 -49.3% 16.1% 27.5% -8.1% 23.7% 3.1% 17.0% -14.0% 3.8% 33.6% 7.0% -0.2% 4.2% 7.3% % Chg. Co.Count 24 18 16 17 24 19 18 18 17 18 20 18 17 18 17 EARNED PREMIUM 57,303,437 28,800,649 33,742,350 38,527,096 40,813,230 45,513,517 52,273,776 56,604,869 49,630,631 52,163,439 73,751,990 77,706,505 77,023,719 73,748,094 89,074,667 INCURRED LOSS 20,939,628 9,489,187 15,641,654 15,248,686 17,068,574 18,687,529 20,518,474 33,923,776 22,199,527 21,149,284 44,897,983 51,562,158 31,300,810 30,847,819 33,526,105 LOSS RATIO 36.54% 32.95% 46.36% 39.58% 41.82% 41.06% 39.25% 59.93% 44.73% 40.54% 60.88% 66.36% 40.64% 41.83% 37.64% PREMIUMS 100,000,000 90,000,000 80,000,000 70,000,000 60,000,000 50,000,000 40,000,000 30,000,000 20,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 25 24 23 22 21 20 19 18 17 16 15 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 60,000,000 50,000,000 40,000,000 30,000,000 20,000,000 10,000,000 0 19 91 19 93 INCURRED LOSS 70% 65% 60% 55% 50% 45% 40% 35% 30% 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 19 95 LOSS RATIO 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: AGGREGATE WRITE-INS [33] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 388,854,586 218,394,465 196,978,074 168,129,674 158,222,556 195,888,565 157,245,464 194,544,375 209,353,798 218,308,495 314,606,340 320,373,220 364,888,335 361,901,792 366,856,219 -43.8% -9.8% -14.6% -5.9% 23.8% -19.7% 23.7% 7.6% 4.3% 44.1% 1.8% 13.9% -0.8% 1.4% % Chg. Co.Count n/a 60 57 62 60 57 54 53 57 57 57 51 56 51 44 EARNED PREMIUM 397,504,298 249,761,978 249,480,405 169,565,924 162,623,555 174,116,725 149,858,873 172,985,281 183,980,221 175,324,178 266,114,375 286,412,401 325,213,493 322,769,969 311,529,031 INCURRED LOSS 232,493,190 179,040,388 174,425,708 165,386,378 146,361,724 104,810,384 140,213,674 134,080,362 170,160,364 145,836,142 192,670,559 183,381,308 281,342,849 179,039,662 154,763,665 LOSS RATIO 58.49% 71.68% 69.92% 97.54% 90.00% 60.20% 93.56% 77.51% 92.49% 83.18% 72.40% 64.03% 86.51% 55.47% 49.68% PREMIUMS 450,000,000 400,000,000 350,000,000 300,000,000 250,000,000 200,000,000 150,000,000 100,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 65 60 55 50 45 40 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 300,000,000 INCURRED LOSS 110% 100% 90% LOSS RATIO 250,000,000 200,000,000 80% 70% 60% 50% 150,000,000 100,000,000 50,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 40% 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: TOTAL LINE [34] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 33,455,701,490 33,077,451,747 34,447,699,316 33,703,125,382 32,261,149,311 32,409,675,757 33,941,567,907 34,811,006,509 35,280,098,787 37,207,584,274 42,387,775,199 49,531,134,253 57,027,056,134 60,501,660,452 59,907,385,740 -1.1% 4.1% -2.2% -4.3% 0.5% 4.7% 2.6% 1.3% 5.5% 13.9% 16.9% 15.1% 6.1% -1.0% % Chg. Co.Count n/a 569 564 704 722 601 617 632 644 633 632 621 613 596 603 EARNED PREMIUM 33,790,536,205 33,261,223,152 33,868,756,556 33,334,173,374 31,852,393,638 31,846,646,884 33,450,647,429 34,387,805,092 34,880,532,040 36,278,034,266 40,942,536,624 46,835,606,785 55,042,030,223 58,965,883,741 58,921,290,324 INCURRED LOSS 23,577,203,168 24,186,446,531 23,007,153,244 29,075,539,412 20,996,775,149 19,031,793,073 19,372,295,524 21,551,000,109 21,622,000,948 24,994,560,773 29,381,589,588 33,776,460,793 34,792,170,020 31,257,496,185 30,355,962,573 LOSS RATIO 69.77% 72.72% 67.93% 87.22% 65.92% 59.76% 57.91% 62.67% 61.99% 68.90% 71.76% 72.12% 63.21% 53.01% 51.52% PREMIUMS 65,000,000,000 60,000,000,000 55,000,000,000 50,000,000,000 45,000,000,000 40,000,000,000 35,000,000,000 30,000,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 750 730 710 690 670 650 630 610 590 570 550 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 WRITTEN PREMIUM EARNED PREMIUM 40,000,000,000 INCURRED LOSS 90% 85% 80% 75% 70% 65% 60% 55% 50% 45% 40% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 19 95 LOSS RATIO 35,000,000,000 30,000,000,000 25,000,000,000 20,000,000,000 15,000,000,000 19 91 19 97 19 99 20 01 20 03 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006 20 05 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: Combined PPAL & PPAPD [19.2 + 21.1] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 11,694,287,713 11,343,713,090 11,496,595,385 11,568,695,204 11,978,676,549 12,250,413,828 13,615,688,959 13,508,147,118 13,289,823,810 13,544,111,253 14,791,009,605 16,625,260,011 18,331,998,932 19,007,213,965 19,297,822,875 -3.0% 1.3% 0.6% 3.5% 2.3% 11.1% -0.8% -1.6% 1.9% 9.2% 12.4% 10.3% 3.7% 1.5% % Chg. Co.Count n/a n/a n/a n/a n/a n/a 221 237 258 258 259 250 239 225 205 EARNED PREMIUM 11,740,261,664 11,451,815,716 11,324,887,167 11,473,505,719 11,877,362,483 12,119,141,752 13,265,778,953 13,418,744,805 13,205,582,447 13,514,678,863 14,438,700,324 15,992,353,542 17,872,257,608 18,726,403,449 19,088,257,583 INCURRED LOSS 7,373,582,367 6,976,198,061 7,002,319,577 7,170,829,324 7,184,566,206 7,053,858,305 7,112,596,909 7,601,504,117 7,916,374,423 9,239,128,986 10,046,878,857 10,472,875,015 10,604,871,112 10,238,322,336 10,519,977,815 LOSS RATIO 62.81% 60.92% 61.83% 62.50% 60.49% 58.20% 53.62% 56.65% 59.95% 68.36% 69.58% 65.49% 59.34% 54.67% 55.11% PREMIUMS 20,000,000,000 18,000,000,000 16,000,000,000 14,000,000,000 12,000,000,000 10,000,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 280 270 260 250 240 230 220 210 200 190 180 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 03 20 05 20 05 WRITTEN PREMIUM EARNED PREMIUM 11,000,000,000 10,500,000,000 10,000,000,000 9,500,000,000 9,000,000,000 8,500,000,000 8,000,000,000 7,500,000,000 7,000,000,000 6,500,000,000 6,000,000,000 19 91 INCURRED LOSS 75% 70% 65% 60% 55% 50% 19 93 19 95 19 97 19 99 20 01 20 03 20 05 19 91 19 93 19 95 LOSS RATIO 19 97 19 99 California Department of Insurance Note: This report includes only companies with written premium Rate Specialist Bureau - Revised November 8, 2006 greater than zero. 20 01 1991-2005 CALIFORNIA P&C HISTORICAL PREMIUM AND LOSS Line of Business: Combined CAL & CAPD [19.4 + 21.2] WRITTEN PREMIUM 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2,029,818,447 1,799,092,486 1,808,795,425 1,809,362,496 1,824,668,804 1,727,126,754 1,764,903,027 1,778,157,119 1,824,602,008 1,971,261,533 2,302,736,740 2,667,314,254 2,827,430,021 2,934,600,806 2,987,405,164 -11.4% 0.5% 0.0% 0.8% -5.3% 2.2% 0.8% 2.6% 8.0% 16.8% 15.8% 6.0% 3.8% 1.8% % Chg. Co.Count n/a n/a n/a n/a n/a n/a 288 293 293 293 292 280 280 253 255 EARNED PREMIUM 2,028,010,765 1,826,434,756 1,774,951,003 1,773,752,080 1,800,368,407 1,724,555,511 1,746,227,601 1,785,114,913 1,814,168,958 1,874,401,968 2,138,068,542 2,489,889,073 2,701,988,494 2,864,268,748 2,950,866,047 INCURRED LOSS 1,258,022,453 1,084,573,609 955,912,839 1,018,401,854 1,036,761,987 1,042,828,278 929,058,004 1,114,244,749 1,181,020,251 1,229,428,179 1,422,555,896 1,526,090,674 1,551,944,408 1,396,419,130 1,435,459,235 LOSS RATIO 62.03% 59.38% 53.86% 57.42% 57.59% 60.47% 53.20% 62.42% 65.10% 65.59% 66.53% 61.29% 57.44% 48.75% 48.65% PREMIUMS 3,100,000,000 2,900,000,000 2,700,000,000 2,500,000,000 2,300,000,000 2,100,000,000 1,900,000,000 1,700,000,000 1,500,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 COMPANY COUNT 300 295 290 285 280 275 270 265 260 255 250 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 03 20 05 20 05 WRITTEN PREMIUM EARNED PREMIUM 1,600,000,000 1,500,000,000 INCURRED LOSS 70% 65% LOSS RATIO 1,400,000,000 1,300,000,000 1,200,000,000 1,100,000,000 1,000,000,000 900,000,000 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 60% 55% 50% 45% 19 91 19 93 19 95 19 97 19 99 20 01 California Department of Insurance Note: This report includes only companies with written premium greater than zero. Rate Specialist Bureau - April 28, 2006