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Segment Information
 9 Months Ended
Sep. 30, 2020
Segment Reporting [Abstract]  
Segment Information Segment Information — Our Personal Lines segment writes insurance for personal autos and recreational vehicles (our special lines products). Our Commercial Lines segment writes auto-related primary liability and physical damage insurance, general liability, and property insurance, predominately for small businesses. Our Property segment writes residential property insurance for homeowners, other property owners, and renters. Our service businesses provide insurance-related services, including processing Commercial Automobile Insurance Procedures/Plans (CAIP) business and serving as an agent for homeowners, general liability, and workers’ compensation insurance, among other products, through our programs with unaffiliated insurance companies. All segment revenues are generated from external customers; all intercompany transactions are eliminated in consolidation.
Following are the operating results for the respective periods:
 Three Months Ended September 30,Nine Months Ended September 30,
 2020201920202019
(millions)RevenuesPretax
Profit (Loss)		RevenuesPretax
Profit (Loss)		RevenuesPretax
Profit (Loss)		RevenuesPretax
Profit (Loss)
Personal Lines
Agency$4,001.6 $596.5 $3,703.4 $380.2 $11,749.3 $1,748.7 $10,851.5 $1,267.9 
Direct4,309.8 517.6 3,804.0 291.7 12,470.1 1,637.8 11,113.7 940.2 
Total Personal Lines1
8,311.4 1,114.1 7,507.4 671.9 24,219.4 3,386.5 21,965.2 2,208.1 
Commercial Lines1,214.8 155.9 1,106.9 69.7 3,532.8 448.2 3,190.4 360.7 
Property2
447.3 (52.9)397.9 (9.1)1,300.6 (192.4)1,141.1 (35.8)
Total underwriting operations9,973.5 1,217.1 9,012.2 732.5 29,052.8 3,642.3 26,296.7 2,533.0 
Fees and other revenues3
151.8 NA138.4 NA434.8 NA403.4 NA
Service businesses58.8 4.4 51.5 2.8 169.4 14.7 144.1 12.0 
Investments4
763.1 758.4 328.4 322.5 1,585.3 1,570.8 1,437.0 1,418.7 
Interest expenseNA(56.4)NA(47.5)NA(160.8)NA(142.3)
Consolidated total
$10,947.2 $1,923.5 $9,530.5 $1,010.3 $31,242.3 $5,067.0 $28,281.2 $3,821.4 
NA = Not applicable
1 Personal auto insurance accounted for 94% of the total Personal Lines segment net premiums earned during the three and nine months ended September 30, 2020 and 2019; insurance for our special lines products (e.g., motorcycles, ATVs, RVs, watercraft, and snowmobiles) accounted for the balance of the Personal Lines net premiums earned.
2 For the three and nine months ended September 30, 2020, pretax profit (loss) includes $14.2 million and $42.8 million, respectively, of amortization expense predominately associated with the acquisition of a controlling interest in ARX and $15.8 million and $51.7 million for the same periods in 2019. See Note 13 – Goodwill and Intangible Assets for further discussion.
3 Pretax profit (loss) for fees and other revenues is allocated to operating segments.
4 Revenues represent recurring investment income and total net realized gains (losses) on securities; pretax profit is net of investment expense.
Our management uses underwriting margin and combined ratio as primary measures of underwriting profitability. Underwriting profitability is calculated by subtracting losses and loss adjustment expenses, policy acquisition costs, other underwriting expenses, and policyholder credits from the total of net premiums earned and fees and other revenues. The underwriting margin is the pretax underwriting profit (loss) expressed as a percentage of net premiums earned (i.e., revenues from underwriting operations). Combined ratio is the complement of the underwriting margin. Following are the underwriting margins and combined ratios for our underwriting operations for the respective periods:
 Three Months Ended September 30,Nine Months Ended September 30,
 2020201920202019
 Under-writing
Margin		Combined
Ratio		Under-writing
Margin		Combined
Ratio		Under-writing
Margin		Combined
Ratio		Under-writing
Margin		Combined
Ratio
Personal Lines
Agency14.9 %85.1 10.3 %89.7 14.9 %85.1 11.7 %88.3 
Direct12.0 88.0 7.7 92.3 13.1 86.9 8.5 91.5 
Total Personal Lines13.4 86.6 9.0 91.0 14.0 86.0 10.1 89.9 
Commercial Lines12.8 87.2 6.3 93.7 12.7 87.3 11.3 88.7 
Property1
(11.8)111.8 (2.3)102.3 (14.8)114.8 (3.1)103.1 
Total underwriting operations12.2 87.8 8.1 91.9 12.5 87.5 9.6 90.4 
1 Included in the three and nine months ended September 30, 2020, is 3.2 points and 3.3 points, respectively, of amortization expense predominately associated with the acquisition of a controlling interest in ARX and 4.0 points and 4.5 points, respectively, for the three and nine months ended September 30, 2019.