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Unpaid losses and loss expenses (Tables) | 12 Months Ended
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Dec. 31, 2017
Liability for Claims and Claims Adjustment Expense [Abstract] |
Schedule Of Unpaid Losses And Loss Expenses Roll Forward | The following table presents a reconciliation of Unpaid losses and loss expenses:
| Year Ended December 31 |
(in millions of U.S. dollars) | 2017 |  | 2016 |  | 2015 |
Gross unpaid losses and loss expenses, beginning of year | $ | 60,540 |  |  | $ | 37,303 |  |  | $ | 38,315 |
Reinsurance recoverable on unpaid losses (1) | (12,708 | ) |  | (10,741 | ) |  | (11,307 | )
Net unpaid losses and loss expenses, beginning of year | 47,832 |  |  | 26,562 |  |  | 27,008 |
Acquisition of subsidiaries | — |  |  | 21,402 |  |  | 417 |
Total | 47,832 |  |  | 47,964 |  |  | 27,425 |
Net losses and loss expenses incurred in respect of losses occurring in: |  |  |  |  |
Current year | 19,391 |  |  | 17,256 |  |  | 10,030 |
Prior years (2) | (937 | ) |  | (1,204 | ) |  | (546 | )
Total | 18,454 |  |  | 16,052 |  |  | 9,484 |
Net losses and loss expenses paid in respect of losses occurring in: |  |  |  |  |
Current year | 6,575 |  |  | 5,899 |  |  | 4,053 |
Prior years | 10,873 |  |  | 9,816 |  |  | 5,612 |
Total | 17,448 |  |  | 15,715 |  |  | 9,665 |
Foreign currency revaluation and other | 327 |  |  | (469 | ) |  | (682 | )
Net unpaid losses and loss expenses, end of year | 49,165 |  |  | 47,832 |  |  | 26,562 |
Reinsurance recoverable on unpaid losses (1) | 14,014 |  |  | 12,708 |  |  | 10,741 |
Gross unpaid losses and loss expenses, end of year | $ | 63,179 |  |  | $ | 60,540 |  |  | $ | 37,303 |
(1) Net of provision for uncollectible reinsurance. (2) Relates to prior period loss reserve development only and excludes prior period development related to reinstatement premiums, expense adjustments, and earned premiums totaling $108 million, $69 million, and nil, for 2017, 2016, and 2015, respectively.
Reconciliation of Claims Development to Liability [Table Text Block] | The following table presents a reconciliation of the loss development tables to the liability for unpaid losses and loss expenses in the consolidated balance sheet:
Reconciliation of Reserve Balances to Liability for Unpaid Loss and Loss Expenses
(in millions of U.S. dollars) |  | December 31, 2017 |
Presented in the loss development tables: |  |
North America Commercial P&C Insurance — Workers' Compensation |  | $ | 8,873 |
North America Commercial P&C Insurance — Liability |  | 16,631 |
North America Commercial P&C Insurance — Other Casualty |  | 1,789 |
North America Commercial P&C Insurance — Non-Casualty |  | 2,398 |
North America Personal P&C Insurance |  | 2,421 |
Overseas General Insurance — Casualty |  | 6,026 |
Overseas General Insurance — Non-Casualty |  | 2,549 |
Global Reinsurance — Casualty |  | 1,340 |
Global Reinsurance — Non-Casualty |  | 371 |
Excluded from the loss development tables: |  |
Other |  | 4,302 |
Net unpaid loss and allocated loss adjustment expense |  | 46,700 |
Ceded unpaid loss and allocated loss adjustment expense: |  |
North America Commercial P&C Insurance — Workers' Compensation |  | $ | 1,737 |
North America Commercial P&C Insurance — Liability |  | 4,133 |
North America Commercial P&C Insurance — Other Casualty |  | 813 |
North America Commercial P&C Insurance — Non-Casualty |  | 1,336 |
North America Personal P&C Insurance |  | 503 |
Overseas General Insurance — Casualty |  | 2,550 |
Overseas General Insurance — Non-Casualty |  | 1,269 |
Global Reinsurance — Casualty |  | 76 |
Global Reinsurance — Non-Casualty |  | 142 |
Other |  | 1,628 |
Ceded unpaid loss and allocated loss adjustment expense |  | 14,187 |
Unpaid loss and loss expense on other than short-duration contracts (1) |  | 810 |
Unpaid unallocated loss adjustment expenses |  | 1,482 |
Unpaid losses and loss expenses |  | $ | 63,179 |
(1) Primarily includes the claims reserve of our international A&H business and Life Insurance segment reserves.
Claims Development tables [Table Text Block] | This product line has a substantial geographic spread and a broad mix across industries. Types of coverage include risk management business predominantly with high deductible policies, loss sensitive business (i.e., retrospectively-rated policies), business fronted for captives, as well as excess and primary guaranteed cost coverages. The triangle below shows all loss and allocated expense development for the workers' compensation product line. In our prior period development disclosure, we exclude any loss development where there is a directly related premium adjustment. For workers' compensation, changes in the exposure base due to payroll audits will drive changes in ultimate losses. In addition, we record involuntary pool assumptions (premiums and losses) on a lagged basis. Both of these items will influence the development in the triangle, particularly the first prior accident year, and are included in the reconciliation table presented on page F-65.
North America Commercial P&C Insurance — Workers' Compensation — Long-tail (continued)
Net Incurred Loss and Allocated Loss Adjustment Expenses |  |
| Years Ended December 31 |  |  | December 31 2017 |
(in millions of U.S. dollars) | Unaudited |  |  |  |  | Net IBNR Reserves |
Accident Year | 2008 |  |  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2017 |
2008 | $ | 1,084 |  |  | $ | 1,042 |  |  | $ | 1,043 |  |  | $ | 1,037 |  |  | $ | 1,036 |  |  | $ | 1,010 |  |  | $ | 1,009 |  |  | $ | 1,004 |  |  | $ | 986 |  |  | $ | 993 |  |  | $ | 214 |
2009 |  |  | 1,029 |  |  | 998 |  |  | 997 |  |  | 990 |  |  | 980 |  |  | 977 |  |  | 966 |  |  | 972 |  |  | 965 |  |  | 233 |
2010 |  |  |  |  | 1,049 |  |  | 1,037 |  |  | 1,050 |  |  | 1,065 |  |  | 1,064 |  |  | 1,052 |  |  | 1,028 |  |  | 1,020 |  |  | 262 |
2011 |  |  |  |  |  |  | 1,037 |  |  | 1,030 |  |  | 1,046 |  |  | 1,049 |  |  | 1,053 |  |  | 1,022 |  |  | 1,012 |  |  | 294 |
2012 |  |  |  |  |  |  |  |  | 1,050 |  |  | 1,011 |  |  | 1,030 |  |  | 1,040 |  |  | 1,011 |  |  | 989 |  |  | 326 |
2013 |  |  |  |  |  |  |  |  |  |  | 1,109 |  |  | 1,108 |  |  | 1,122 |  |  | 1,127 |  |  | 1,085 |  |  | 368 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  | 1,207 |  |  | 1,201 |  |  | 1,217 |  |  | 1,214 |  |  | 553 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,282 |  |  | 1,259 |  |  | 1,271 |  |  | 631 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,367 |  |  | 1,367 |  |  | 806 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,411 |  |  | 1,080 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 11,327 |  |  |
Net Cumulative Paid Loss and Allocated Loss Adjustment Expenses |  |
| Years Ended December 31 |  |  | December 31 2017 |
(in millions of U.S. dollars) | Unaudited |  |  |  |  | Reported Claims (in thousands) |
Accident Year | 2008 |  |  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2017 |
2008 | $ | 124 |  |  | $ | 275 |  |  | $ | 371 |  |  | $ | 439 |  |  | $ | 503 |  |  | $ | 546 |  |  | $ | 578 |  |  | $ | 607 |  |  | $ | 632 |  |  | $ | 651 |  |  | 333 |
2009 |  |  | 107 |  |  | 258 |  |  | 348 |  |  | 416 |  |  | 475 |  |  | 519 |  |  | 550 |  |  | 597 |  |  | 617 |  |  | 282 |
2010 |  |  |  |  | 123 |  |  | 300 |  |  | 411 |  |  | 493 |  |  | 551 |  |  | 592 |  |  | 617 |  |  | 641 |  |  | 304 |
2011 |  |  |  |  |  |  | 119 |  |  | 294 |  |  | 411 |  |  | 484 |  |  | 533 |  |  | 567 |  |  | 595 |  |  | 287 |
2012 |  |  |  |  |  |  |  |  | 111 |  |  | 271 |  |  | 365 |  |  | 436 |  |  | 486 |  |  | 532 |  |  | 288 |
2013 |  |  |  |  |  |  |  |  |  |  | 107 |  |  | 286 |  |  | 422 |  |  | 506 |  |  | 553 |  |  | 300 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  | 113 |  |  | 295 |  |  | 410 |  |  | 484 |  |  | 337 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 116 |  |  | 301 |  |  | 418 |  |  | 339 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 122 |  |  | 326 |  |  | 310 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 120 |  |  | 307 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 4,937 |  |  |
Net Liabilities for Loss and Allocated Loss Adjustment Expenses |  |
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | 2,483 |
All Accident years |  | $ | 8,873 |
This product line is comprised of D&O liability, E&O liability, financial institutions (including crime/fidelity coverages), and non-U.S. general liability as well as aviation and political risk. Exposures are located around the world, including Europe, Latin America, and Asia. Approximately 40 percent of Chubb International’s business is generated by European accounts. There is some U.S. exposure in Casualty from multinational accounts. The financial lines coverages are typically written on a claims-made form, while general liability coverages are typically on an occurrence basis and comprised of a mix of primary and excess businesses.
Net Incurred Loss and Allocated Loss Adjustment Expenses |  |
| Years Ended December 31 |  |  | December 31 2017 |
(in millions of U.S. dollars) | Unaudited |  |  |  |  | Net IBNR Reserves |
Accident Year | 2008 |  |  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2017 |
2008 | $ | 1,220 |  |  | $ | 1,334 |  |  | $ | 1,423 |  |  | $ | 1,444 |  |  | $ | 1,453 |  |  | $ | 1,408 |  |  | $ | 1,336 |  |  | $ | 1,315 |  |  | $ | 1,330 |  |  | $ | 1,281 |  |  | $ | 81 |
2009 |  |  | 1,284 |  |  | 1,425 |  |  | 1,474 |  |  | 1,485 |  |  | 1,482 |  |  | 1,365 |  |  | 1,257 |  |  | 1,256 |  |  | 1,202 |  |  | 76 |
2010 |  |  |  |  | 1,231 |  |  | 1,311 |  |  | 1,358 |  |  | 1,430 |  |  | 1,365 |  |  | 1,312 |  |  | 1,183 |  |  | 1,178 |  |  | 97 |
2011 |  |  |  |  |  |  | 1,272 |  |  | 1,277 |  |  | 1,270 |  |  | 1,262 |  |  | 1,176 |  |  | 1,109 |  |  | 1,094 |  |  | 157 |
2012 |  |  |  |  |  |  |  |  | 1,311 |  |  | 1,281 |  |  | 1,348 |  |  | 1,367 |  |  | 1,363 |  |  | 1,345 |  |  | 279 |
2013 |  |  |  |  |  |  |  |  |  |  | 1,289 |  |  | 1,284 |  |  | 1,284 |  |  | 1,330 |  |  | 1,270 |  |  | 314 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  | 1,295 |  |  | 1,366 |  |  | 1,377 |  |  | 1,388 |  |  | 506 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,223 |  |  | 1,324 |  |  | 1,353 |  |  | 542 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,227 |  |  | 1,333 |  |  | 749 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,229 |  |  | 968 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 12,673 |  |  |
Overseas General Insurance — Casualty — Long-tail (continued)
Net Cumulative Paid Loss and Allocated Loss Adjustment Expenses |  |
| Years Ended December 31 |  |  | December 31 2017 |
(in millions of U.S. dollars) | Unaudited |  |  |  |  | Reported Claims (in thousands) |
Accident Year | 2008 |  |  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2017 |
2008 | $ | 121 |  |  | $ | 306 |  |  | $ | 472 |  |  | $ | 642 |  |  | $ | 790 |  |  | $ | 895 |  |  | $ | 971 |  |  | $ | 1,029 |  |  | $ | 1,083 |  |  | $ | 1,116 |  |  | 39 |
2009 |  |  | 123 |  |  | 341 |  |  | 524 |  |  | 667 |  |  | 763 |  |  | 824 |  |  | 896 |  |  | 993 |  |  | 1,020 |  |  | 39 |
2010 |  |  |  |  | 109 |  |  | 277 |  |  | 481 |  |  | 629 |  |  | 740 |  |  | 831 |  |  | 883 |  |  | 938 |  |  | 41 |
2011 |  |  |  |  |  |  | 91 |  |  | 250 |  |  | 400 |  |  | 534 |  |  | 638 |  |  | 719 |  |  | 795 |  |  | 42 |
2012 |  |  |  |  |  |  |  |  | 77 |  |  | 254 |  |  | 443 |  |  | 598 |  |  | 714 |  |  | 856 |  |  | 42 |
2013 |  |  |  |  |  |  |  |  |  |  | 90 |  |  | 272 |  |  | 432 |  |  | 584 |  |  | 727 |  |  | 42 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  | 117 |  |  | 299 |  |  | 481 |  |  | 614 |  |  | 43 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92 |  |  | 296 |  |  | 504 |  |  | 45 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 127 |  |  | 328 |  |  | 45 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 99 |  |  | 34 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 6,997 |  |  |
Net Liabilities for Loss and Allocated Loss Adjustment Expenses
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | 350 |
All Accident years |  | $ | 6,026 |
This line consists of primary and excess liability exposures, including medical liability, and professional lines, including directors and officers (D&O) liability, errors and omissions (E&O) liability, employment practices liability (EPL), fidelity bonds, and fiduciary liability. The primary and excess liability business represents the largest part of these exposures. The former includes both monoline and commercial package liability. The latter includes a substantial proportion of commercial umbrella, excess and high excess business, where loss activity can produce significant volatility in the loss triangles at later ages within an accident year (and sometimes across years) due to the size of the limits afforded and the complex nature of the underlying losses. This line includes management and professional liability products provided to a wide variety of clients, from national accounts to small firms along with private and not-for-profit organizations, distributed through brokers, agents, wholesalers and MGAs. Many of these coverages, particularly D&O and E&O, are typically written on a claims-made form. While most of the coverages are underwritten on a primary basis, there are significant amounts of excess exposure with large policy limits.
Net Incurred Loss and Allocated Loss Adjustment Expenses |  |
| Years Ended December 31 |  |  | December 31 2017 |
(in millions of U.S. dollars) | Unaudited |  |  |  |  | Net IBNR Reserves |
Accident Year | 2008 |  |  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2017 |
2008 | $ | 3,792 |  |  | $ | 3,823 |  |  | $ | 3,812 |  |  | $ | 3,791 |  |  | $ | 3,652 |  |  | $ | 3,412 |  |  | $ | 3,352 |  |  | $ | 3,278 |  |  | $ | 3,174 |  |  | $ | 3,157 |  |  | $ | 245 |
2009 |  |  | 3,798 |  |  | 3,783 |  |  | 3,770 |  |  | 3,743 |  |  | 3,642 |  |  | 3,392 |  |  | 3,316 |  |  | 3,244 |  |  | 3,103 |  |  | 250 |
2010 |  |  |  |  | 3,578 |  |  | 3,583 |  |  | 3,601 |  |  | 3,559 |  |  | 3,419 |  |  | 3,250 |  |  | 3,128 |  |  | 3,107 |  |  | 423 |
2011 |  |  |  |  |  |  | 3,500 |  |  | 3,585 |  |  | 3,629 |  |  | 3,664 |  |  | 3,593 |  |  | 3,498 |  |  | 3,383 |  |  | 589 |
2012 |  |  |  |  |  |  |  |  | 3,552 |  |  | 3,628 |  |  | 3,613 |  |  | 3,564 |  |  | 3,524 |  |  | 3,426 |  |  | 856 |
2013 |  |  |  |  |  |  |  |  |  |  | 3,546 |  |  | 3,541 |  |  | 3,542 |  |  | 3,532 |  |  | 3,430 |  |  | 1,090 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  | 3,535 |  |  | 3,585 |  |  | 3,674 |  |  | 3,717 |  |  | 1,526 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3,559 |  |  | 3,708 |  |  | 3,818 |  |  | 1,941 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3,533 |  |  | 3,594 |  |  | 2,381 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3,386 |  |  | 2,994 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 34,121 |  |  |
North America Commercial P&C Insurance — Liability — Long-tail (continued)
Net Cumulative Paid Loss and Allocated Loss Adjustment Expenses |  |
| Years Ended December 31 |  |  | December 31 2017 |
(in millions of U.S. dollars) | Unaudited |  |  |  |  | Reported Claims (in thousands) |
Accident Year | 2008 |  |  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2017 |
2008 | $ | 147 |  |  | $ | 580 |  |  | $ | 1,110 |  |  | $ | 1,643 |  |  | $ | 1,992 |  |  | $ | 2,323 |  |  | $ | 2,558 |  |  | $ | 2,657 |  |  | $ | 2,753 |  |  | $ | 2,836 |  |  | 21 |
2009 |  |  | 135 |  |  | 587 |  |  | 1,160 |  |  | 1,672 |  |  | 2,019 |  |  | 2,357 |  |  | 2,545 |  |  | 2,678 |  |  | 2,730 |  |  | 21 |
2010 |  |  |  |  | 126 |  |  | 611 |  |  | 1,108 |  |  | 1,559 |  |  | 1,893 |  |  | 2,259 |  |  | 2,426 |  |  | 2,527 |  |  | 20 |
2011 |  |  |  |  |  |  | 160 |  |  | 652 |  |  | 1,209 |  |  | 1,805 |  |  | 2,214 |  |  | 2,476 |  |  | 2,659 |  |  | 20 |
2012 |  |  |  |  |  |  |  |  | 166 |  |  | 656 |  |  | 1,172 |  |  | 1,680 |  |  | 2,092 |  |  | 2,326 |  |  | 20 |
2013 |  |  |  |  |  |  |  |  |  |  | 130 |  |  | 548 |  |  | 1,192 |  |  | 1,597 |  |  | 2,007 |  |  | 20 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  | 164 |  |  | 679 |  |  | 1,250 |  |  | 1,804 |  |  | 21 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 138 |  |  | 605 |  |  | 1,206 |  |  | 23 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 171 |  |  | 663 |  |  | 24 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 161 |  |  | 19 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 18,919 |  |  |
Net Liabilities for Loss and Allocated Loss Adjustment Expenses
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | 1,429 |
All Accident years |  | $ | 16,631 |
North America Personal P&C Insurance — Short-tail Chubb provides personal lines coverages for high-net-worth individuals and families in North America including homeowners, automobile, valuable articles (including fine art), umbrella liability, and recreational marine insurance offered through independent regional agents and brokers. A portfolio acquired from Fireman’s Fund is presented on a prospective basis beginning in May of accident year 2015. Reserves associated with prior accident periods were acquired through a loss portfolio transfer, which does not allow for a retrospective presentation. During this ten-year period, this segment was also impacted by natural catastrophes, mainly in 2008, 2012, and 2017 accident years.
North America Personal P&C Insurance — Short-tail (continued)
Net Incurred Loss and Allocated Loss Adjustment Expenses |  |
| Years Ended December 31 |  |  | December 31 2017 |
(in millions of U.S. dollars) | Unaudited |  |  |  |  | Net IBNR Reserves |
Accident Year | 2008 |  |  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2017 |
2008 | $ | 1,779 |  |  | $ | 1,779 |  |  | $ | 1,749 |  |  | $ | 1,724 |  |  | $ | 1,695 |  |  | $ | 1,677 |  |  | $ | 1,670 |  |  | $ | 1,661 |  |  | $ | 1,661 |  |  | $ | 1,659 |  |  | $ | 5 |
2009 |  |  | 1,611 |  |  | 1,598 |  |  | 1,568 |  |  | 1,554 |  |  | 1,545 |  |  | 1,538 |  |  | 1,538 |  |  | 1,534 |  |  | 1,533 |  |  | 7 |
2010 |  |  |  |  | 1,870 |  |  | 1,878 |  |  | 1,855 |  |  | 1,838 |  |  | 1,834 |  |  | 1,830 |  |  | 1,825 |  |  | 1,822 |  |  | 9 |
2011 |  |  |  |  |  |  | 2,208 |  |  | 2,210 |  |  | 2,185 |  |  | 2,173 |  |  | 2,164 |  |  | 2,160 |  |  | 2,159 |  |  | 13 |
2012 |  |  |  |  |  |  |  |  | 2,185 |  |  | 2,183 |  |  | 2,183 |  |  | 2,191 |  |  | 2,185 |  |  | 2,186 |  |  | 9 |
2013 |  |  |  |  |  |  |  |  |  |  | 1,860 |  |  | 1,888 |  |  | 1,896 |  |  | 1,899 |  |  | 1,924 |  |  | 41 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  | 2,205 |  |  | 2,206 |  |  | 2,192 |  |  | 2,145 |  |  | 29 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2,494 |  |  | 2,549 |  |  | 2,560 |  |  | 126 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2,439 |  |  | 2,542 |  |  | 248 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3,034 |  |  | 725 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 21,564 |  |  |
Net Cumulative Paid Loss and Allocated Loss Adjustment Expenses |  |
| Years Ended December 31 |  |  | December 31 2017 |
(in millions of U.S. dollars) | Unaudited |  |  |  |  | Reported Claims (in thousands) |
Accident Year | 2008 |  |  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2017 |
2008 | $ | 975 |  |  | $ | 1,409 |  |  | $ | 1,521 |  |  | $ | 1,586 |  |  | $ | 1,622 |  |  | $ | 1,638 |  |  | $ | 1,644 |  |  | $ | 1,647 |  |  | $ | 1,651 |  |  | $ | 1,651 |  |  | 139 |
2009 |  |  | 887 |  |  | 1,236 |  |  | 1,347 |  |  | 1,439 |  |  | 1,486 |  |  | 1,503 |  |  | 1,513 |  |  | 1,521 |  |  | 1,523 |  |  | 125 |
2010 |  |  |  |  | 1,153 |  |  | 1,522 |  |  | 1,670 |  |  | 1,729 |  |  | 1,772 |  |  | 1,793 |  |  | 1,805 |  |  | 1,811 |  |  | 149 |
2011 |  |  |  |  |  |  | 1,360 |  |  | 1,835 |  |  | 1,971 |  |  | 2,051 |  |  | 2,105 |  |  | 2,129 |  |  | 2,138 |  |  | 168 |
2012 |  |  |  |  |  |  |  |  | 1,176 |  |  | 1,806 |  |  | 1,957 |  |  | 2,063 |  |  | 2,117 |  |  | 2,149 |  |  | 173 |
2013 |  |  |  |  |  |  |  |  |  |  | 1,043 |  |  | 1,504 |  |  | 1,687 |  |  | 1,786 |  |  | 1,843 |  |  | 126 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  | 1,310 |  |  | 1,764 |  |  | 1,925 |  |  | 2,034 |  |  | 135 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,499 |  |  | 2,083 |  |  | 2,270 |  |  | 139 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,453 |  |  | 2,051 |  |  | 140 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,698 |  |  | 123 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 19,168 |  |  |
Net Liabilities for Loss and Allocated Loss Adjustment Expenses
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | 25 |
All Accident years |  | $ | 2,421 |
This product line represents first party commercial product lines that are short-tailed in nature, such as property, inland marine, ocean marine, surety and A&H. There is a wide diversity of products, primary and excess coverages, and policy sizes. During this ten-year period, this product line was also impacted by natural catastrophes mainly in the 2008, 2012, and 2017 accident years.
Net Incurred Loss and Allocated Loss Adjustment Expenses |  |
| Years Ended December 31 |  |  | December 31 2017 |
(in millions of U.S. dollars) | Unaudited |  |  |  |  | Net IBNR Reserves |
Accident Year | 2008 |  |  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2017 |
2008 | $ | 1,999 |  |  | $ | 1,941 |  |  | $ | 1,916 |  |  | $ | 1,901 |  |  | $ | 1,890 |  |  | $ | 1,881 |  |  | $ | 1,877 |  |  | $ | 1,865 |  |  | $ | 1,863 |  |  | $ | 1,859 |  |  | $ | 5 |
2009 |  |  | 1,310 |  |  | 1,307 |  |  | 1,251 |  |  | 1,222 |  |  | 1,205 |  |  | 1,198 |  |  | 1,198 |  |  | 1,195 |  |  | 1,194 |  |  | 9 |
2010 |  |  |  |  | 1,507 |  |  | 1,543 |  |  | 1,466 |  |  | 1,430 |  |  | 1,428 |  |  | 1,420 |  |  | 1,416 |  |  | 1,410 |  |  | 9 |
2011 |  |  |  |  |  |  | 1,963 |  |  | 1,938 |  |  | 1,881 |  |  | 1,859 |  |  | 1,839 |  |  | 1,843 |  |  | 1,838 |  |  | 15 |
2012 |  |  |  |  |  |  |  |  | 2,034 |  |  | 1,918 |  |  | 1,884 |  |  | 1,866 |  |  | 1,861 |  |  | 1,848 |  |  | 11 |
2013 |  |  |  |  |  |  |  |  |  |  | 1,434 |  |  | 1,424 |  |  | 1,337 |  |  | 1,360 |  |  | 1,340 |  |  | 18 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  | 1,647 |  |  | 1,663 |  |  | 1,581 |  |  | 1,561 |  |  | 29 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,737 |  |  | 1,746 |  |  | 1,650 |  |  | 83 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,911 |  |  | 1,888 |  |  | 168 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2,641 |  |  | 1,089 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 17,229 |  |  |
North America Commercial P&C Insurance — Non-Casualty — Short-tail (continued)
Net Cumulative Paid Loss and Allocated Loss Adjustment Expenses |  |
| Years Ended December 31 |  |  | December 31 2017 |
(in millions of U.S. dollars) | Unaudited |  |  |  |  | Reported Claims (in thousands) |
Accident Year | 2008 |  |  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2017 |
2008 | $ | 965 |  |  | $ | 1,622 |  |  | $ | 1,744 |  |  | $ | 1,794 |  |  | $ | 1,823 |  |  | $ | 1,832 |  |  | $ | 1,838 |  |  | $ | 1,847 |  |  | $ | 1,848 |  |  | $ | 1,851 |  |  | 999 |
2009 |  |  | 620 |  |  | 1,035 |  |  | 1,125 |  |  | 1,149 |  |  | 1,163 |  |  | 1,171 |  |  | 1,179 |  |  | 1,181 |  |  | 1,181 |  |  | 1,125 |
2010 |  |  |  |  | 724 |  |  | 1,223 |  |  | 1,323 |  |  | 1,359 |  |  | 1,384 |  |  | 1,393 |  |  | 1,396 |  |  | 1,397 |  |  | 1,059 |
2011 |  |  |  |  |  |  | 939 |  |  | 1,573 |  |  | 1,718 |  |  | 1,777 |  |  | 1,787 |  |  | 1,811 |  |  | 1,816 |  |  | 1,053 |
2012 |  |  |  |  |  |  |  |  | 715 |  |  | 1,577 |  |  | 1,698 |  |  | 1,766 |  |  | 1,795 |  |  | 1,822 |  |  | 1,037 |
2013 |  |  |  |  |  |  |  |  |  |  | 651 |  |  | 1,138 |  |  | 1,237 |  |  | 1,285 |  |  | 1,311 |  |  | 1,074 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  | 820 |  |  | 1,373 |  |  | 1,484 |  |  | 1,505 |  |  | 1,102 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 726 |  |  | 1,343 |  |  | 1,488 |  |  | 1,173 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 846 |  |  | 1,504 |  |  | 1,293 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 979 |  |  | 1,175 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 14,854 |  |  |
Net Liabilities for Loss and Allocated Loss Adjustment Expenses |  |
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | 23 |
All Accident years |  | $ | 2,398 |
This product line includes proportional and excess coverages in general, automobile liability, professional liability, medical malpractice, workers' compensation and aviation, with exposures located around the world. In general, reinsurance exhibits less stable development patterns than primary business. In particular general casualty reinsurance and excess coverages are long-tailed and can be very volatile.
Net Incurred Loss and Allocated Loss Adjustment Expenses |  |
| Years Ended December 31 |  |  | December 31 2017 |
(in millions of U.S. dollars) | Unaudited |  |  |  |  | Net IBNR Reserves |
Accident Year | 2008 |  |  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2017 |
2008 | $ | 399 |  |  | $ | 420 |  |  | $ | 439 |  |  | $ | 431 |  |  | $ | 428 |  |  | $ | 407 |  |  | $ | 408 |  |  | $ | 404 |  |  | $ | 401 |  |  | $ | 399 |  |  | $ | 48 |
2009 |  |  | 319 |  |  | 351 |  |  | 363 |  |  | 370 |  |  | 366 |  |  | 347 |  |  | 331 |  |  | 320 |  |  | 316 |  |  | 24 |
2010 |  |  |  |  | 401 |  |  | 421 |  |  | 432 |  |  | 443 |  |  | 432 |  |  | 426 |  |  | 416 |  |  | 402 |  |  | 55 |
2011 |  |  |  |  |  |  | 409 |  |  | 416 |  |  | 431 |  |  | 434 |  |  | 429 |  |  | 419 |  |  | 415 |  |  | 45 |
2012 |  |  |  |  |  |  |  |  | 387 |  |  | 383 |  |  | 391 |  |  | 394 |  |  | 379 |  |  | 372 |  |  | 23 |
2013 |  |  |  |  |  |  |  |  |  |  | 321 |  |  | 327 |  |  | 330 |  |  | 330 |  |  | 331 |  |  | 41 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  | 333 |  |  | 334 |  |  | 340 |  |  | 343 |  |  | 46 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 285 |  |  | 289 |  |  | 300 |  |  | 47 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 224 |  |  | 228 |  |  | 63 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 214 |  |  | 121 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 3,320 |  |  |
Global Reinsurance — Casualty — Long-tail (continued)
Net Cumulative Paid Loss and Allocated Loss Adjustment Expenses |  |
| Years Ended December 31 |  |  | December 31 2017 |
(in millions of U.S. dollars) | Unaudited |  |  |  |  | Reported Claims (in thousands) |
Accident Year | 2008 |  |  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2017 |
2008 | $ | 33 |  |  | $ | 77 |  |  | $ | 131 |  |  | $ | 176 |  |  | $ | 220 |  |  | $ | 253 |  |  | $ | 277 |  |  | $ | 295 |  |  | $ | 305 |  |  | $ | 315 |  |  | 1.209 |
2009 |  |  | 34 |  |  | 79 |  |  | 116 |  |  | 154 |  |  | 187 |  |  | 209 |  |  | 227 |  |  | 241 |  |  | 256 |  |  | 0.868 |
2010 |  |  |  |  | 56 |  |  | 125 |  |  | 179 |  |  | 221 |  |  | 249 |  |  | 274 |  |  | 292 |  |  | 307 |  |  | 0.795 |
2011 |  |  |  |  |  |  | 70 |  |  | 146 |  |  | 195 |  |  | 236 |  |  | 267 |  |  | 291 |  |  | 311 |  |  | 0.660 |
2012 |  |  |  |  |  |  |  |  | 77 |  |  | 167 |  |  | 222 |  |  | 261 |  |  | 292 |  |  | 308 |  |  | 0.472 |
2013 |  |  |  |  |  |  |  |  |  |  | 65 |  |  | 143 |  |  | 186 |  |  | 222 |  |  | 242 |  |  | 0.337 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  | 92 |  |  | 185 |  |  | 218 |  |  | 249 |  |  | 0.400 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90 |  |  | 159 |  |  | 191 |  |  | 0.304 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57 |  |  | 113 |  |  | 0.258 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47 |  |  | 0.088 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 2,339 |  |  |
Net Liabilities for Loss and Allocated Loss Adjustment Expenses
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | 359 |
All Accident years |  | $ | 1,340 |
This product line consists of the remaining commercial casualty coverages such as automobile liability and aviation. There is also a small portion of commercial multi-peril (CMP) business in accident years 2014 and prior. The paid and reported data are impacted by some catastrophe loss activity primarily on the CMP exposures just noted.
North America Commercial P&C Insurance — Other-Casualty — Long-tail (continued)
Net Incurred Loss and Allocated Loss Adjustment Expenses |  |
| Years Ended December 31 |  |  | December 31 2017 |
(in millions of U.S. dollars) | Unaudited |  |  |  |  | Net IBNR Reserves |
Accident Year | 2008 |  |  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2017 |
2008 | $ | 693 |  |  | $ | 733 |  |  | $ | 700 |  |  | $ | 661 |  |  | $ | 644 |  |  | $ | 647 |  |  | $ | 643 |  |  | $ | 646 |  |  | $ | 641 |  |  | $ | 637 |  |  | $ | 13 |
2009 |  |  | 594 |  |  | 584 |  |  | 550 |  |  | 531 |  |  | 488 |  |  | 454 |  |  | 447 |  |  | 445 |  |  | 441 |  |  | 2 |
2010 |  |  |  |  | 610 |  |  | 604 |  |  | 598 |  |  | 543 |  |  | 503 |  |  | 475 |  |  | 477 |  |  | 489 |  |  | 33 |
2011 |  |  |  |  |  |  | 577 |  |  | 586 |  |  | 578 |  |  | 545 |  |  | 530 |  |  | 521 |  |  | 513 |  |  | 33 |
2012 |  |  |  |  |  |  |  |  | 632 |  |  | 604 |  |  | 575 |  |  | 559 |  |  | 518 |  |  | 517 |  |  | 27 |
2013 |  |  |  |  |  |  |  |  |  |  | 526 |  |  | 530 |  |  | 522 |  |  | 515 |  |  | 468 |  |  | 60 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  | 592 |  |  | 581 |  |  | 579 |  |  | 594 |  |  | 147 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 486 |  |  | 469 |  |  | 501 |  |  | 191 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 503 |  |  | 494 |  |  | 249 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 531 |  |  | 387 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 5,185 |  |  |
Net Cumulative Paid Loss and Allocated Loss Adjustment Expenses |  |
| Years Ended December 31 |  |  | December 31 2017 |
(in millions of U.S. dollars) | Unaudited |  |  |  |  | Reported Claims (in thousands) |
Accident Year | 2008 |  |  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2017 |
2008 | $ | 144 |  |  | $ | 342 |  |  | $ | 446 |  |  | $ | 520 |  |  | $ | 566 |  |  | $ | 591 |  |  | $ | 602 |  |  | $ | 610 |  |  | $ | 618 |  |  | $ | 617 |  |  | 20 |
2009 |  |  | 70 |  |  | 206 |  |  | 287 |  |  | 337 |  |  | 374 |  |  | 402 |  |  | 414 |  |  | 423 |  |  | 428 |  |  | 15 |
2010 |  |  |  |  | 97 |  |  | 236 |  |  | 322 |  |  | 364 |  |  | 392 |  |  | 434 |  |  | 444 |  |  | 449 |  |  | 15 |
2011 |  |  |  |  |  |  | 86 |  |  | 235 |  |  | 341 |  |  | 400 |  |  | 437 |  |  | 461 |  |  | 466 |  |  | 16 |
2012 |  |  |  |  |  |  |  |  | 69 |  |  | 223 |  |  | 319 |  |  | 386 |  |  | 435 |  |  | 470 |  |  | 16 |
2013 |  |  |  |  |  |  |  |  |  |  | 69 |  |  | 197 |  |  | 271 |  |  | 348 |  |  | 385 |  |  | 18 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  | 80 |  |  | 220 |  |  | 317 |  |  | 391 |  |  | 17 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47 |  |  | 137 |  |  | 215 |  |  | 15 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52 |  |  | 146 |  |  | 15 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 66 |  |  | 13 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 3,633 |  |  |
Net Liabilities for Loss and Allocated Loss Adjustment Expenses
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | 237 |
All Accident years |  | $ | 1,789 |
This product line includes property, property catastrophe, marine, credit/surety, A&H and energy. This product line is impacted by natural catastrophes, particularly in the 2008, 2011 and 2017 years. Of the non-catastrophe book, the mixture of business varies by year with approximately 72 percent of loss on proportional treaties in Treaty Year 2008 and after. This percentage has increased over time with the proportion being approximately 60 percent from 2008 to 2012 growing to an average of 84 percent from 2013 to 2017, with the remainder being written on an excess of loss basis.
Global Reinsurance — Non-Casualty — Short-tail (continued) |  |
Net Incurred Loss and Allocated Loss Adjustment Expenses |  | Years Ended December 31 |  |  | December 31 2017 |
(in millions of U.S. dollars) | Unaudited |  |  |  |  | Net IBNR Reserves |
Accident Year | 2008 |  |  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2017 |
2008 | $ | 316 |  |  | $ | 310 |  |  | $ | 301 |  |  | $ | 292 |  |  | $ | 286 |  |  | $ | 286 |  |  | $ | 287 |  |  | $ | 284 |  |  | $ | 285 |  |  | $ | 286 |  |  | $ | 2 |
2009 |  |  | 141 |  |  | 172 |  |  | 152 |  |  | 150 |  |  | 144 |  |  | 141 |  |  | 139 |  |  | 139 |  |  | 139 |  |  | 3 |
2010 |  |  |  |  | 200 |  |  | 235 |  |  | 224 |  |  | 218 |  |  | 222 |  |  | 224 |  |  | 225 |  |  | 225 |  |  | 5 |
2011 |  |  |  |  |  |  | 274 |  |  | 275 |  |  | 272 |  |  | 262 |  |  | 263 |  |  | 264 |  |  | 264 |  |  | 1 |
2012 |  |  |  |  |  |  |  |  | 232 |  |  | 210 |  |  | 200 |  |  | 191 |  |  | 189 |  |  | 187 |  |  | 2 |
2013 |  |  |  |  |  |  |  |  |  |  | 163 |  |  | 160 |  |  | 149 |  |  | 143 |  |  | 144 |  |  | 5 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  | 163 |  |  | 179 |  |  | 179 |  |  | 182 |  |  | 9 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 146 |  |  | 154 |  |  | 161 |  |  | 8 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 182 |  |  | 188 |  |  | 17 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 396 |  |  | 82 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 2,172 |  |  |
Net Cumulative Paid Loss and Allocated Loss Adjustment Expenses |  | Years Ended December 31 |  |  | December 31 2017 |
(in millions of U.S. dollars) | Unaudited |  |  |  |  | Reported Claims (in thousands) |
Accident Year | 2008 |  |  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2017 |
2008 | $ | 79 |  |  | $ | 177 |  |  | $ | 228 |  |  | $ | 260 |  |  | $ | 274 |  |  | $ | 276 |  |  | $ | 278 |  |  | $ | 280 |  |  | $ | 280 |  |  | $ | 280 |  |  | 0.179 |
2009 |  |  | 52 |  |  | 106 |  |  | 122 |  |  | 129 |  |  | 132 |  |  | 134 |  |  | 134 |  |  | 134 |  |  | 134 |  |  | 0.114 |
2010 |  |  |  |  | 56 |  |  | 162 |  |  | 188 |  |  | 200 |  |  | 205 |  |  | 216 |  |  | 214 |  |  | 217 |  |  | 0.101 |
2011 |  |  |  |  |  |  | 85 |  |  | 176 |  |  | 207 |  |  | 232 |  |  | 251 |  |  | 255 |  |  | 258 |  |  | 0.128 |
2012 |  |  |  |  |  |  |  |  | 44 |  |  | 129 |  |  | 156 |  |  | 166 |  |  | 172 |  |  | 177 |  |  | 0.113 |
2013 |  |  |  |  |  |  |  |  |  |  | 46 |  |  | 103 |  |  | 121 |  |  | 131 |  |  | 133 |  |  | 0.119 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  | 65 |  |  | 128 |  |  | 151 |  |  | 162 |  |  | 0.100 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 56 |  |  | 103 |  |  | 132 |  |  | 0.110 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57 |  |  | 132 |  |  | 0.168 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 191 |  |  | 0.205 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,816 |  |  |
Net Liabilities for Loss and Allocated Loss Adjustment Expenses
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | 15 |
All Accident years |  | $ | 371 |
This product line is comprised of commercial fire, marine (predominantly cargo), surety, personal automobile (in Latin America, Asia Pacific and Japan), personal cell phones, personal residential (including high net worth), energy and construction. Latin America and Europe each make up about 35 percent of the Chubb International non-casualty book. In general, these lines have relatively stable payment and reporting patterns although they are impacted by natural catastrophes mainly in the 2008, 2010, 2011, and 2017 accident years.
Overseas General Insurance — Non-Casualty — Short-tail (continued)
Net Incurred Loss and Allocated Loss Adjustment Expenses |  |
| Years Ended December 31 |  |  | December 31 2017 |
(in millions of U.S. dollars) | Unaudited |  |  |  |  | Net IBNR Reserves |
Accident Year | 2008 |  |  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2017 |
2008 | $ | 1,609 |  |  | $ | 1,608 |  |  | $ | 1,563 |  |  | $ | 1,547 |  |  | $ | 1,553 |  |  | $ | 1,527 |  |  | $ | 1,524 |  |  | $ | 1,519 |  |  | $ | 1,508 |  |  | $ | 1,504 |  |  | $ | 25 |
2009 |  |  | 1,564 |  |  | 1,534 |  |  | 1,446 |  |  | 1,415 |  |  | 1,395 |  |  | 1,377 |  |  | 1,377 |  |  | 1,366 |  |  | 1,366 |  |  | 3 |
2010 |  |  |  |  | 1,713 |  |  | 1,734 |  |  | 1,705 |  |  | 1,693 |  |  | 1,687 |  |  | 1,673 |  |  | 1,660 |  |  | 1,643 |  |  | 13 |
2011 |  |  |  |  |  |  | 1,950 |  |  | 2,035 |  |  | 1,978 |  |  | 1,939 |  |  | 1,920 |  |  | 1,908 |  |  | 1,901 |  |  | 7 |
2012 |  |  |  |  |  |  |  |  | 1,775 |  |  | 1,764 |  |  | 1,723 |  |  | 1,667 |  |  | 1,661 |  |  | 1,650 |  |  | 34 |
2013 |  |  |  |  |  |  |  |  |  |  | 1,868 |  |  | 1,859 |  |  | 1,787 |  |  | 1,739 |  |  | 1,730 |  |  | 62 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  | 1,975 |  |  | 2,048 |  |  | 1,985 |  |  | 1,959 |  |  | 72 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2,111 |  |  | 2,243 |  |  | 2,195 |  |  | 157 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2,164 |  |  | 2,148 |  |  | 19 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2,349 |  |  | 307 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 18,445 |  |  |
Net Cumulative Paid Loss and Allocated Loss Adjustment Expenses |  |
| Years Ended December 31 |  |  | December 31 2017 |
(in millions of U.S. dollars) | Unaudited |  |  |  |  | Reported Claims (in thousands) |
Accident Year | 2008 |  |  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2017 |
2008 | $ | 646 |  |  | $ | 1,218 |  |  | $ | 1,360 |  |  | $ | 1,428 |  |  | $ | 1,451 |  |  | $ | 1,461 |  |  | $ | 1,469 |  |  | $ | 1,477 |  |  | $ | 1,477 |  |  | $ | 1,484 |  |  | 539 |
2009 |  |  | 602 |  |  | 1,095 |  |  | 1,233 |  |  | 1,300 |  |  | 1,324 |  |  | 1,335 |  |  | 1,341 |  |  | 1,344 |  |  | 1,343 |  |  | 518 |
2010 |  |  |  |  | 698 |  |  | 1,276 |  |  | 1,480 |  |  | 1,543 |  |  | 1,583 |  |  | 1,596 |  |  | 1,603 |  |  | 1,604 |  |  | 561 |
2011 |  |  |  |  |  |  | 793 |  |  | 1,520 |  |  | 1,728 |  |  | 1,786 |  |  | 1,817 |  |  | 1,832 |  |  | 1,841 |  |  | 579 |
2012 |  |  |  |  |  |  |  |  | 716 |  |  | 1,284 |  |  | 1,479 |  |  | 1,539 |  |  | 1,562 |  |  | 1,572 |  |  | 600 |
2013 |  |  |  |  |  |  |  |  |  |  | 738 |  |  | 1,340 |  |  | 1,541 |  |  | 1,574 |  |  | 1,612 |  |  | 622 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  | 800 |  |  | 1,497 |  |  | 1,715 |  |  | 1,782 |  |  | 594 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 901 |  |  | 1,638 |  |  | 1,873 |  |  | 627 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,083 |  |  | 1,752 |  |  | 637 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,098 |  |  | 616 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 15,961 |  |  |
Net Liabilities for Loss and Allocated Loss Adjustment Expenses
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | 65 |
All Accident years |  | $ | 2,549 |
Supplementary Information: (Favorable)/ Adverse Prior Period Development
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | (3 | )
All Accident years |  | $ | (141 | )
Supplementary PPD [Table Text Block] |
Supplementary Information: (Favorable)/ Adverse Prior Period Development
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | — |
All Accident years |  | $ | 16 |
Supplementary Information: (Favorable)/ Adverse Prior Period Development |  |
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | — |
All Accident years |  | $ | (188 | )
Supplementary Information: (Favorable)/ Adverse Prior Period Development
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | 14 |
All Accident years |  | $ | — |
Supplementary Information: (Favorable)/ Adverse Prior Period Development |  |
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | (35 | )
All Accident years |  | $ | (108 | )
Supplementary Information: (Favorable)/ Adverse Prior Period Development
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | (10 | )
All Accident years |  | $ | 76 |
Supplementary Information: (Favorable)/ Adverse Prior Period Development
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | (13 | )
All Accident years |  | $ | (68 | )
Supplementary Information: (Favorable)/ Adverse Prior Period Development
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | (3 | )
All Accident years |  | $ | (141 | )
Supplementary Information: (Favorable)/ Adverse Prior Period Development
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | (154 | )
All Accident years |  | $ | (434 | )
Supplementary Information: (Favorable)/ Adverse Prior Period Development
(in millions of U.S. dollars) |  | December 31, 2017 |
Accident years prior to 2008 |  | $ | (60 | )
All Accident years |  | $ | (72 | )
Schedule of Historical Claims [Table Text Block] |
Supplementary Information: Average Annual Percentage Payout of Net Incurred Claims by Age, as of December 31, 2017
Age in Years | 1 |  |  | 2 |  |  | 3 |  |  | 4 |  |  | 5 |  |  | 6 |  |  | 7 |  |  | 8 |  |  | 9 |  |  | 10 |
Percentage | 34 | % |  | 38 | % |  | 14 | % |  | 7 | % |  | 4 | % |  | 2 | % |  | — | % |  | 1 | % |  | — | % |  | — | %
North America Personal P&C Insurance — Short-tail (continued)
Supplementary Information: Average Annual Percentage Payout of Net Incurred Claims by Age, as of December 31, 2017
Age in Years | 1 |  |  | 2 |  |  | 3 |  |  | 4 |  |  | 5 |  |  | 6 |  |  | 7 |  |  | 8 |  |  | 9 |  |  | 10 |
Percentage | 58 | % |  | 24 | % |  | 7 | % |  | 5 | % |  | 3 | % |  | 1 | % |  | 1 | % |  | — | % |  | — | % |  | — | %
Supplementary Information: Average Annual Percentage Payout of Net Incurred Claims by Age, as of December 31, 2017
Age in Years | 1 |  |  | 2 |  |  | 3 |  |  | 4 |  |  | 5 |  |  | 6 |  |  | 7 |  |  | 8 |  |  | 9 |  |  | 10 |
Percentage | 8 | % |  | 15 | % |  | 14 | % |  | 12 | % |  | 10 | % |  | 8 | % |  | 6 | % |  | 6 | % |  | 3 | % |  | 3 | %
Supplementary Information: Average Annual Percentage Payout of Net Incurred Claims by Age, as of December 31, 2017
Age in Years | 1 |  |  | 2 |  |  | 3 |  |  | 4 |  |  | 5 |  |  | 6 |  |  | 7 |  |  | 8 |  |  | 9 |  |  | 10 |
Percentage | 19 | % |  | 20 | % |  | 12 | % |  | 11 | % |  | 8 | % |  | 6 | % |  | 5 | % |  | 4 | % |  | 4 | % |  | 3 | %
North America Commercial P&C Insurance — Other-Casualty — Long-tail (continued)
Supplementary Information: Average Annual Percentage Payout of Net Incurred Claims by Age, as of December 31, 2017
Age in Years | 1 |  |  | 2 |  |  | 3 |  |  | 4 |  |  | 5 |  |  | 6 |  |  | 7 |  |  | 8 |  |  | 9 |  |  | 10 |
Percentage | 15 | % |  | 26 | % |  | 17 | % |  | 12 | % |  | 8 | % |  | 6 | % |  | 2 | % |  | 1 | % |  | 1 | % |  | — | %
Supplementary Information: Average Annual Percentage Payout of Net Incurred Claims by Age, as of December 31, 2017
Age in Years | 1 |  |  | 2 |  |  | 3 |  |  | 4 |  |  | 5 |  |  | 6 |  |  | 7 |  |  | 8 |  |  | 9 |  |  | 10 |
Percentage | 4 | % |  | 14 | % |  | 17 | % |  | 15 | % |  | 12 | % |  | 9 | % |  | 6 | % |  | 4 | % |  | 2 | % |  | 3 | %
Supplementary Information: Average Annual Percentage Payout of Net Incurred Claims by Age, as of December 31, 2017
Age in Years | 1 |  |  | 2 |  |  | 3 |  |  | 4 |  |  | 5 |  |  | 6 |  |  | 7 |  |  | 8 |  |  | 9 |  |  | 10 |
Percentage | 46 | % |  | 37 | % |  | 7 | % |  | 3 | % |  | 1 | % |  | 1 | % |  | — | % |  | — | % |  | — | % |  | — | %
Overseas General Insurance — Non-Casualty — Short-tail (continued)
Supplementary Information: Average Annual Percentage Payout of Net Incurred Claims by Age, as of December 31, 2017
Age in Years | 1 |  |  | 2 |  |  | 3 |  |  | 4 |  |  | 5 |  |  | 6 |  |  | 7 |  |  | 8 |  |  | 9 |  |  | 10 |
Percentage | 44 | % |  | 35 | % |  | 11 | % |  | 4 | % |  | 2 | % |  | 1 | % |  | — | % |  | — | % |  | — | % |  | — | %
North America Commercial P&C Insurance — Workers' Compensation — Long-tail (continued)
Supplementary Information: Average Annual Percentage Payout of Net Incurred Claims by Age, as of December 31, 2017
Age in Years | 1 |  |  | 2 |  |  | 3 |  |  | 4 |  |  | 5 |  |  | 6 |  |  | 7 |  |  | 8 |  |  | 9 |  |  | 10 |
Percentage | 10 | % |  | 16 | % |  | 10 | % |  | 7 | % |  | 5 | % |  | 4 | % |  | 3 | % |  | 3 | % |  | 2 | % |  | 2 | %
Supplementary PPD Reconciliation [Table Text Block] | The following table presents a reconciliation of the loss development triangles above to prior period development:
| Components of PPD |
Year Ended December 31, 2017 (in millions of U.S. dollars) | 2008 - 2016 accident years (implied PPD per loss triangles) |  |  | Accident years prior to 2008 |  |  | Other (1) |  |  | PPD on loss reserves |  |  | RIPs, Expense adjustments, and earned premiums |  |  | Total |
(favorable)/unfavorable |  |  |  |  |  |  |  |  |  |  |
North America Commercial P&C Insurance |  |  |  |  |  |  |  |  |  |  |  |  |
Long-tail | $ | (367 | ) |  | $ | (175 | ) |  | $ | (76 | ) |  | $ | (618 | ) |  | $ | 56 |  |  | $ | (562 | )
Short-tail | (188 | ) |  | — |  |  | 3 |  |  | (185 | ) |  | 1 |  |  | (184 | )
| (555 | ) |  | (175 | ) |  | (73 | ) | (2) | (803 | ) |  | 57 |  |  | (746 | )
North America Personal P&C Insurance (Short-tail) | 86 |  |  | (10 | ) |  | (7 | ) |  | 69 |  |  | — |  |  | 69 |
Overseas General Insurance |  |  |  |  |  |  |  |  |  |  |  |  |
Long-tail | (55 | ) |  | (13 | ) |  | (3 | ) |  | (71 | ) |  | — |  |  | (71 | )
Short-tail | (138 | ) |  | (3 | ) |  | (40 | ) |  | (181 | ) |  | — |  |  | (181 | )
| (193 | ) |  | (16 | ) |  | (43 | ) | (3) | (252 | ) |  | — |  |  | (252 | )
Global Reinsurance |  |  |  |  |  |  |  |  |  |  |  |  |
Long-tail | (12 | ) |  | (60 | ) |  | 1 |  |  | (71 | ) |  | 3 |  |  | (68 | )
Short-tail | 16 |  |  | — |  |  | — |  |  | 16 |  |  | (7 | ) |  | 9 |
| 4 |  |  | (60 | ) |  | 1 |  |  | (55 | ) |  | (4 | ) |  | (59 | )
Subtotal | $ | (658 | ) |  | $ | (261 | ) |  | $ | (122 | ) |  | $ | (1,041 | ) |  | $ | 53 |  |  | $ | (988 | )
North America Agricultural Insurance (Short-tail) |  |  |  |  |  |  | $ | (174 | ) |  | $ | 55 |  |  | $ | (119 | )
Corporate (Long-tail) |  |  |  |  |  |  | 278 |  |  | — |  |  | 278 |
Consolidated PPD |  |  |  |  |  |  |  |  |  | $ | (937 | ) |  | $ | 108 |  |  | $ | (829 | )
(1) Other includes the impact of foreign exchange. (2) Includes favorable development of $55 million related to our Alternative Risk Solutions business; the remaining difference relates to a number of other items, none of which are individually material. (3) Includes favorable development of $35 million related to International A&H business, the remaining difference relates to a number of other items, none of which are individually material.
Prior Period Development, by Segment [Table Text Block] | The following table summarizes (favorable) and adverse prior period development (PPD) by segment. Long-tail lines include lines such as workers' compensation, general liability, and professional liability; while short-tail lines include lines such as most property lines, energy, personal accident, and agriculture. In 2017, we determined that the loss development classification for certain businesses, previously grouped within the short-tail column in the table below, would be more appropriately grouped within the long-tail column to better align with the classification of these businesses within our loss development triangles. We also determined that the loss development for certain other businesses should be reclassified from long-tail to short-tail. We updated our 2016 and 2015 amounts below to conform to the current year presentation and reclassified $101 million and $46 million, respectively, of net favorable development into long-tail from short-tail. These changes to the previously disclosed amounts have no impact to our financial condition and results of operations.
Years Ended December 31 (in millions of U.S. dollars, except for percentages) | Long-tail |  |  | Short-tail |  |  | Total |  |  | % of beginning net unpaid reserves (1) |
2017 |  |  |  |  |  |  |
North America Commercial P&C Insurance | $ | (562 | ) |  | $ | (184 | ) |  | $ | (746 | ) |  | 1.6 | %
North America Personal P&C Insurance | — |  |  | 69 |  |  | 69 |  |  | 0.1 | %
North America Agricultural Insurance | — |  |  | (119 | ) |  | (119 | ) |  | 0.2 | %
Overseas General Insurance | (71 | ) |  | (181 | ) |  | (252 | ) |  | 0.5 | %
Global Reinsurance | (68 | ) |  | 9 |  |  | (59 | ) |  | 0.1 | %
Corporate | 278 |  |  | — |  |  | 278 |  |  | 0.6 | %
Total | $ | (423 | ) |  | $ | (406 | ) |  | $ | (829 | ) |  | 1.7 | %
2016 |  |  |  |  |  |  |
North America Commercial P&C Insurance | $ | (693 | ) |  | $ | (85 | ) |  | $ | (778 | ) |  | 1.6 | %
North America Personal P&C Insurance | — |  |  | 27 |  |  | 27 |  |  | 0.1 | %
North America Agricultural Insurance | — |  |  | (72 | ) |  | (72 | ) |  | 0.2 | %
Overseas General Insurance | (236 | ) |  | (187 | ) |  | (423 | ) |  | 0.9 | %
Global Reinsurance | (77 | ) |  | (1 | ) |  | (78 | ) |  | 0.2 | %
Corporate | 189 |  |  | — |  |  | 189 |  |  | 0.4 | %
Total | $ | (817 | ) |  | $ | (318 | ) |  | $ | (1,135 | ) |  | 2.4 | %
2015 |  |  |  |  |  |  |
North America Commercial P&C Insurance | $ | (162 | ) |  | $ | (102 | ) |  | $ | (264 | ) |  | 1.0 | %
North America Personal P&C Insurance | — |  |  | 25 |  |  | 25 |  |  | 0.1 | %
North America Agricultural Insurance | — |  |  | (45 | ) |  | (45 | ) |  | 0.1 | %
Overseas General Insurance | (192 | ) |  | (151 | ) |  | (343 | ) |  | 1.3 | %
Global Reinsurance | (109 | ) |  | (10 | ) |  | (119 | ) |  | 0.4 | %
Corporate | 200 |  |  | — |  |  | 200 |  |  | 0.7 | %
Total | $ | (263 | ) |  | $ | (283 | ) |  | $ | (546 | ) |  | 2.0 | %
(1) Calculated based on the beginning of period consolidated net unpaid losses and loss expenses. For 2016, the percent of beginning net unpaid reserves is calculated inclusive of the net unpaid losses and loss expenses acquired in the Chubb Corp acquisition of $21.4 billion.
Schedule Of Asbestos Environmental Loss Roll Forward and by segment | The following table presents a roll-forward of consolidated A&E loss reserves including allocated loss expense reserves for A&E exposures, and the provision for uncollectible paid and unpaid reinsurance recoverables:
|  | Asbestos |  |  | Environmental |  |  | Total |  |
(in millions of U.S. dollars) |  | Gross |  |  | Net |  |  | Gross |  |  | Net |  |  | Gross |  |  | Net |  |
Balance at December 31, 2016 |  | $ | 1,726 |  |  | $ | 1,119 |  |  | $ | 577 |  |  | $ | 490 |  |  | $ | 2,303 |  |  | $ | 1,609 |  |
Incurred activity |  | 228 |  |  | 104 |  |  | 199 |  |  | 113 |  |  | 427 |  |  | 217 |  | (1)
Paid activity |  | (333 | ) |  | (172 | ) |  | (169 | ) |  | (127 | ) |  | (502 | ) |  | (299 | ) |
Balance at December 31, 2017 |  | $ | 1,621 |  |  | $ | 1,051 |  |  | $ | 607 |  |  | $ | 476 |  |  | $ | 2,228 |  |  | $ | 1,527 |  |
(1) Excludes unallocated loss expenses and the net activity reflects third-party reinsurance other than the aggregate excess of loss reinsurance provided by National Indemnity Company (NICO) to Westchester Specialty (see Westchester Specialty section below). The A&E net loss reserves including allocated loss expense reserves and provision for uncollectible reinsurance at December 31, 2017 and 2016 shown in the table above is comprised of:
| December 31 |
(in millions of U.S. dollars) | 2017 |  |  | 2016 |
Brandywine operations | $ | 849 |  |  | $ | 760 |
Westchester Specialty | 113 |  |  | 112 |
Chubb Corp | 486 |  |  | 657 |
Other, mainly Overseas General Insurance | 79 |  |  | 80 |
Total | $ | 1,527 |  |  | $ | 1,609 |

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- Definition Tabular disclosure of undiscounted information about claims development by accident year for short-duration insurance contracts. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -Section 50 -Paragraph 4B -URI http://asc.fasb.org/extlink&oid=65670685&loc=SL65671311-158438 + Details
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- Definition Tabular disclosure for the reconciliation of claims development to the liability for unpaid claims and claim adjustment expense for short-duration insurance contracts. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -Section 50 -Paragraph 4C -URI http://asc.fasb.org/extlink&oid=65670685&loc=SL65671315-158438 + Details
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- Definition Tabular disclosure of average annual percentage payout of incurred claims by age, after reinsurance, for short-duration insurance contracts. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -Section 50 -Paragraph 4G -URI http://asc.fasb.org/extlink&oid=65670685&loc=SL65671329-158438 + Details
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