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Reserve for Property and Casualty Insurance Claims and Claims Expense (Tables) | 9 Months Ended
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Sep. 30, 2025
Reserve for Property-Liability Insurance Claims and Claims Expense [Abstract] |
Schedule of Rollforward of the Reserve for Property and Casualty Insurance Claims and Claims Expense and Prior Year Reserve Re-Estimates Included in Claims and Claims Expense |
Rollforward of the reserve for property and casualty insurance claims and claims expense
|  | Nine months ended September 30,
($ in millions) |  | 2025 |  | 2024
Balance as of January 1 |  | $ | 41,917 |  |  | $ | 39,858 |
Less: recoverables (1) |  | 8,602 |  |  | 8,396 |
Net balance as of January 1 |  | 33,315 |  |  | 31,462 |
Incurred claims and claims expense related to: |  |  |  |
Current year |  | 30,763 |  |  | 31,033 |
Prior years |  | (1,045) |  |  | (322) |
Total incurred |  | 29,718 |  |  | 30,711 |
Claims and claims expense paid related to: |  |  |  |
Current year |  | (16,235) |  |  | (15,977) |
Prior years |  | (12,688) |  |  | (12,181) |
Total paid |  | (28,923) |  |  | (28,158) |
Net balance as of September 30 |  | 34,110 |  |  | 34,015 |
Plus: recoverables |  | 8,993 |  |  | 8,728 |
Balance as of September 30 |  | $ | 43,103 |  |  | $ | 42,743 |
(1)Recoverables comprises reinsurance and indemnification recoverables.
Prior year reserve reestimates included in claims and claims expense (1)
|  | Non-catastrophe losses |  | Catastrophe losses (2) |  | Total
($ in millions) |  | 2025 |  | 2024 |  | 2025 |  | 2024 |  | 2025 |  | 2024
Three months ended September 30, |  |  |  |  |  |  |  |  |  |  |  |
Auto (3) |  | $ | (480) |  |  | $ | (55) |  |  | $ | (3) |  |  | $ | (10) |  |  | $ | (483) |  |  | $ | (65) |
Homeowners |  | (40) |  |  | (11) |  |  | (14) |  |  | (1) |  |  | (54) |  |  | (12) |
Other personal lines |  | 72 |  |  | 54 |  |  | (6) |  |  | (3) |  |  | 66 |  |  | 51 |
Commercial lines |  | (80) |  |  | 1 |  |  | (5) |  |  | — |  |  | (85) |  |  | 1 |
Other business lines |  | (14) |  |  | (3) |  |  | — |  |  | — |  |  | (14) |  |  | (3) |
Run-off Property-Liability (4) |  | 146 |  |  | 59 |  |  | — |  |  | — |  |  | 146 |  |  | 59 |
Protection Services |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 1 |
Total prior year reserve reestimates |  | $ | (396) |  |  | $ | 46 |  |  | $ | (28) |  |  | $ | (14) |  |  | $ | (424) |  |  | $ | 32 |
Nine months ended September 30, |  |  |  |  |  |  |  |  |  |  |  |
Auto (3) |  | $ | (1,133) |  |  | $ | (293) |  |  | $ | (30) |  |  | $ | (26) |  |  | $ | (1,163) |  |  | $ | (319) |
Homeowners |  | (35) |  |  | (114) |  |  | 3 |  |  | (278) |  |  | (32) |  |  | (392) |
Other personal lines |  | 153 |  |  | 169 |  |  | (11) |  |  | (5) |  |  | 142 |  |  | 164 |
Commercial lines |  | (104) |  |  | 164 |  |  | — |  |  | (5) |  |  | (104) |  |  | 159 |
Other business lines |  | (39) |  |  | 1 |  |  | — |  |  | — |  |  | (39) |  |  | 1 |
Run-off Property-Liability (4) |  | 151 |  |  | 65 |  |  | — |  |  | — |  |  | 151 |  |  | 65 |
Protection Services |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total prior year reserve reestimates |  | $ | (1,007) |  |  | $ | (8) |  |  | $ | (38) |  |  | $ | (314) |  |  | $ | (1,045) |  |  | $ | (322) |
(1)Reserve releases are shown in parentheses. (2)The first nine months of 2025 includes $69 million of estimated recoveries related to the Nationwide Reinsurance Program aggregate cover for losses occurring between April 1, 2024 and December 31, 2024, and $54 million favorable subrogation settlements related to the 2021 Colorado Marshall Fire. (3)Reserve releases primarily related to favorable severity development of $284 million and $565 million in personal auto injury coverage and $196 million and $568 million in personal auto physical damage coverage in the third quarter and first nine months of 2025, respectively. (4)The Company’s 2025 and 2024 annual reserve reviews, using established industry and actuarial best practices, resulted in reserve reestimates that increased reserves by $146 million and $58 million, respectively.

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- Definition Reserve for Property-Liability Insurance Claims and Claims Expense [Abstract] + References No definition available. + Details
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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 + Details
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