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Loss and Loss Adjustment Expense Reserves (Tables)

9 Months Ended

Sep. 30, 2025

Loss and Loss Adjustment Expenses Reserves [Abstract]

Schedule of Liability for Unpaid Claims and Claims Adjustment Expense

Activity in the loss and loss adjustment expense reserves is summarized as follows:

			September 30,
(millions)			2025						2024
Balance at January 1			$	39,057					$	34,389
Less reinsurance recoverables on unpaid losses			4,487						4,789
Net balance at January 1			34,570						29,600
Incurred related to:
Current year			40,922						36,276
Prior years			(1,068)						(199)
Total incurred			39,854						36,077
Paid related to:
Current year			21,904						19,669
Prior years			14,228						12,492
Total paid			36,132						32,161
Net balance at September 30			38,292						33,516
Plus reinsurance recoverables on unpaid losses			3,813						4,546
Balance at September 30			$	42,105					$	38,062

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- Definition

Loss and Loss Adjustment Expenses Reserves [Abstract]

+ References

No definition available.

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- Definition

Tabular disclosure of the activity in the reserve for settling insured claims and expenses incurred in the claims settlement process for the period. The estimated liability includes the amount of money that will be required for future payments of (a) claims that have been reported to the insurer, (b) claims related to insured events that have occurred but that have not been reported to the insurer as of the date the liability is estimated, and (c) claim adjustment expenses. Claim adjustment expenses include costs incurred in the claim settlement process such as legal fees; outside adjuster fees; and costs to record, process, and adjust claims.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 944
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480081/944-40-50-3

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