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Reserve for Unpaid Losses and Loss Adjustment Expenses (Tables)

12 Months Ended

Dec. 31, 2021

Liability for Unpaid Claims and Claims Adjustment Expense, Activity in Liability [Abstract]

Liabilities for Unpaid Losses and Loss Adjustment Expenses

Rollforward of Liabilities for Unpaid Losses and Loss Adjustment Expenses

			For the years ended December 31,
			2021			2020			2019
Beginning liabilities for unpaid losses and loss adjustment expenses, gross			$	29,622		$	28,261		$	24,584
Reinsurance and other recoverables			5,725			5,275			4,232
Beginning liabilities for unpaid losses and loss adjustment expenses, net			23,897			22,986			20,352
Navigators Group acquisition			—			—			2,001
Provision for unpaid losses and loss adjustment expenses
Current accident year			7,911			7,794			7,463
Prior accident year development [1]			199			(136)			(65)
Total provision for unpaid losses and loss adjustment expenses			8,110			7,658			7,398
Change in deferred gain on retroactive reinsurance included in other liabilities [1]			(246)			(312)			(16)
Payments
Current accident year			(2,276)			(2,214)			(2,374)
Prior accident years			(4,119)			(4,190)			(4,374)
Total payments			(6,395)			(6,404)			(6,748)
Net change in reserves transferred to liabilities held for sale			—			(45)			—
Foreign currency adjustment			2			14			(1)
Ending liabilities for unpaid losses and loss adjustment expenses, net			25,368			23,897			22,986
Reinsurance and other recoverables			6,081			5,725			5,275
Ending liabilities for unpaid losses and loss adjustment expenses, gross			$	31,449		$	29,622		$	28,261

[1]Prior accident year development does not include the benefit of a portion of losses ceded under the Navigators and A&E ADC which, under retroactive reinsurance accounting, is deferred and is recognized over the period the ceded losses are recovered in cash from NICO. For additional information regarding the two adverse development cover reinsurance agreements, refer to Adverse Development Covers discussion below.

(Favorable) Unfavorable Prior Accident Year Development

			For the years ended December 31,
			2021			2020			2019
Workers’ compensation			$	(190)		$	(110)		$	(120)
Workers’ compensation discount accretion			35			35			33
General liability			454			237			61
Marine			1			3			8
Package business			(91)			(58)			(47)
Commercial property			(26)			(4)			(11)
Professional liability			(2)			(14)			29
Bond			(26)			(19)			(3)
Assumed reinsurance			(6)			(6)			3
Automobile liability - Commercial Lines			9			27			27
Automobile liability - Personal Lines			(90)			(61)			(38)
Homeowners			3			7			3
Net asbestos and environmental reserves			—			(2)			—
Catastrophes			(154)			(529)			(42)
Uncollectible reinsurance			(6)			(8)			(30)
Other reserve re-estimates, net			42			54			46
Prior accident year development, including full benefit for the ADC cession			(47)			(448)			(81)
Change in deferred gain on retroactive reinsurance included in other liabilities [1]			246			312			16
Total prior accident year development			$	199		$	(136)		$	(65)

[1]The change in deferred gain for the years ended December 31, 2021 and 2020 included $155 and $210, respectively of adverse development on A&E reserves in excess of ceded premium paid and included $91 and $102, respectively, of adverse development on Navigators 2018 and prior accident year reserves, primarily within professional liability, general liability and marine.

Rollforward of Liabilities for Unpaid Losses and Loss Adjustment Expenses

			For the years ended December 31,
			2021			2020			2019
Beginning liabilities for unpaid losses and loss adjustment expenses, gross			$	8,233		$	8,256		$	8,445
Reinsurance recoverables [1]			237			247			239
Beginning liabilities for unpaid losses and loss adjustment expenses, net			7,996			8,009			8,206
Provision for unpaid losses and loss adjustment expenses
Current incurral year			5,021			4,511			4,385
Prior year's discount accretion			201			209			219
Prior incurral year development [2]			(458)			(445)			(410)
Total provision for unpaid losses and loss adjustment expenses [3]			4,764			4,275			4,194
Payments
Current incurral year			(2,631)			(2,288)			(2,277)
Prior incurral years			(2,164)			(2,000)			(2,114)
Total payments			(4,795)			(4,288)			(4,391)
Ending liabilities for unpaid losses and loss adjustment expenses, net			7,965			7,996			8,009
Reinsurance recoverables			245			237			247
Ending liabilities for unpaid losses and loss adjustment expenses, gross			$	8,210		$	8,233		$	8,256

[1] Includes a cumulative effect adjustment of $(1) representing an adjustment to the ACL recorded on adoption of accounting guidance for credit losses on January 1, 2020. See Note 1 - Basis of Presentation and Significant Accounting Policies.

[2]Prior incurral year development represents the change in estimated ultimate incurred losses and loss adjustment expenses for prior incurral years on a discounted basis.

[3]Includes unallocated loss adjustment expenses of $179, $178 and $178 for the years ended December 31, 2021, 2020 and 2019, respectively, that are recorded in insurance operating costs and other expenses in the Consolidated Statements of Operations.

Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance

Property and Casualty Insurance Products Reserves, Net of Reinsurance, that are Discounted

			For the years ended December 31,
			2021									2020									2019
Liability for unpaid losses and loss adjustment expenses, at undiscounted amounts			$	1,405								$	1,334								$	1,331
Amount of discount			355									367									388
Carrying value of liability for unpaid losses and loss adjustment expenses			$	1,050								$	967								$	943
Discount accretion included in losses and loss adjustment expenses			$	36								$	36								$	33
Weighted average discount rate			2.54								%	2.68								%	2.91								%
Range of discount rates			0.83		%	-			14.03		%	0.83		%	-			14.03		%	1.76		%	-			14.03		%

Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance [1]
			(Unaudited)
Reserve Line			1st Year			2nd Year			3rd Year			4th Year			5th Year			6th Year			7th Year			8th Year			9th Year			10th Year
Workers' compensation			15.1		%	18.7		%	12.3		%	8.2		%	5.4		%	4.0		%	2.6		%	2.1		%	1.4		%	1.3		%
General liability			2.9		%	7.8		%	14.2		%	18.2		%	16.6		%	11.2		%	6.9		%	4.5		%	3.1		%	4.8		%
Marine			25.3		%	31.4		%	17.5		%	8.0		%	6.6		%	3.4		%	1.9		%	3.1		%	—		%	0.7		%
Package business			37.4		%	21.8		%	10.4		%	8.6		%	6.2		%	3.2		%	2.1		%	1.2		%	0.4		%	0.3		%
Commercial property			53.5		%	30.6		%	7.7		%	3.0		%	1.0		%	0.5		%	0.1		%	(0.1		%)	(0.1		%)	—		%
Commercial automobile liability			15.8		%	20.3		%	20.6		%	17.6		%	11.4		%	4.5		%	2.7		%	0.8		%	0.5		%	0.4		%
Commercial automobile physical damage			88.0		%	9.7		%	(0.4		%)
Professional liability			5.3		%	18.4		%	18.7		%	14.3		%	10.8		%	7.6		%	5.9		%	1.1		%	1.6		%	0.7		%
Bond			12.2		%	22.2		%	10.3		%	4.6		%	(0.2		%)	(0.5		%)	4.4		%	1.8		%	(0.2		%)	(1.6		%)
Assumed Reinsurance			35.2		%	36.9		%	9.1		%	4.9		%	7.0		%	2.4		%	1.0		%	0.3		%	0.3		%	0.1		%
Personal automobile liability			34.7		%	33.3		%	16.0		%	7.7		%	3.1		%	1.2		%	0.5		%	0.2		%	0.2		%	—		%
Personal automobile physical damage			95.7		%	2.7		%	(0.1		%)
Homeowners			70.7		%	23.5		%	1.4		%	0.3		%	0.6		%	0.3		%	0.1		%	0.1		%	—		%	—		%

[1]Negative percentages are generally due to salvage, subrogation or other recoveries.

Group Life, Disability and Accident Products Reserves, Net of Reinsurance, that are Discounted

			For the years ended December 31,
			2021									2020									2019
Liability for unpaid losses and loss adjustment expenses, at undiscounted amounts			$	8,176								$	8,380								$	8,636
Amount of discount			(1,304)									(1,353)									(1,401)
Carrying value of liability for unpaid losses and loss adjustment expenses			$	6,872								$	7,027								$	7,235
Weighted average discount rate			3.3								%	3.4								%	3.4								%
Range of discount rate			2.1		%	-			8.0		%	2.1		%	-			8.0		%	2.1		%	-			8.0		%

Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
			(Unaudited)
			1st Year			2nd Year			3rd Year			4th Year			5th Year			6th Year			7th Year			8th Year			9th Year			10th Year
Group long-term disability			7.5		%	25.8		%	15.7		%	8.5		%	6.3		%	5.4		%	4.5		%	3.8		%	3.3		%	2.8		%
Group life and accident, excluding premium waiver			75.4		%	21.9		%	1.0		%

Reconciliation of Loss Development to Liability for Unpaid Losses and Loss Adjustment Expenses

Reconciliation of Loss Development to Liability for Unpaid Losses and Loss Adjustment Expenses As of December 31, 2021

			Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance																		Subtotal
Reserve Line			Cumulative Incurred for Accident Years Displayed in Triangles						Cumulative Paid for Accident Years Displayed in Triangles			Unpaid for Accident Years not Displayed in Triangles			Unpaid Unallocated Loss Adjustment Expenses, Net of Reinsurance			Discount						Unpaid Losses and Loss Adjustment Expenses, Net of Reinsurance			Reinsurance and Other Recoverables			Liability for Unpaid Losses and Loss Adjustment Expenses
Workers' compensation			$	18,263					$	(9,992)		$	2,981		$	348		$	(341)					$	11,259		$	1,793		$	13,052
General liability			6,731						(3,157)			1,240			146			—						4,960			870			5,830
Marine			1,516						(1,242)			17			12			—						303			235			538
Package business			6,952						(5,208)			77			103			—						1,924			90			2,014
Commercial property			3,830						(3,342)			24			18			—						530			268			798
Commercial automobile liability			3,908						(2,778)			22			23			—						1,175			91			1,266
Commercial automobile physical damage			172						(162)			4			—			—						14			(1)			13
Professional liability			2,511						(1,335)			47			38			—						1,261			781			2,042
Bond			625						(254)			32			31			—						434			10			444
Assumed Reinsurance			1,384						(1,106)			3			4			—						285			50			335
Personal automobile liability			11,104						(9,809)			29			66			—						1,390			23			1,413
Personal automobile physical damage			1,200						(1,170)			7			3			—						40			—			40
Homeowners			6,307						(5,982)			5			34			—						364			17			381
Other ongoing business												183			5			(14)						174			310			484
Asbestos and environmental [1]												724			—			—						724			1,545			2,269
Other operations [1]												374			157			—						531			(1)			530
Total P&C			$	64,503					$	(45,537)		$	5,769		$	988		$	(355)					$	25,368		$	6,081		$	31,449

[1]Asbestos and environmental and other operations include asbestos, environmental and other latent exposures not foreseen when coverages were written, including, but not limited to, potential liability for pharmaceutical products, silica, talcum powder, head injuries, lead paint, construction defects, sexual molestation and sexual abuse and other long-tail liabilities. These reserve lines do not have significant paid or incurred loss development for the most recent ten accident years and therefore do not have loss development displayed in triangles.

Reconciliation of Loss Development to Liability for Unpaid Losses and Loss Adjustment Expenses as of December 31, 2021

			Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance															Subtotal
Reserve Line			Cumulative Incurred for Incurral Years Displayed in Triangles			Cumulative Paid for Incurral Years Displayed in Triangles			Unpaid for Incurral Years not Displayed in Triangles			Unpaid Unallocated Loss Adjustment Expenses, Net of Reinsurance			Discount			Unpaid Losses and Loss Adjustment Expenses, Net of Reinsurance			Reinsurance and Other Recoverables			Liability for Unpaid Losses and Loss Adjustment Expenses
Group long-term disability			$	14,113		$	(8,219)		$	1,546		$	189		$	(1,192)		$	6,437		$	234		$	6,671
Group life and accident, excluding premium waiver			6,323			(5,644)			163			4			(18)			828			5			833
Group short-term disability									124			5			—			129			—			129
Group life premium waiver									620			11			(94)			537			1			538
Group supplemental health									34			—						34			5			39
Total Group Benefits			$	20,436		$	(13,863)		$	2,487		$	209		$	(1,304)		$	7,965		$	245		$	8,210

Losses and Allocated Loss Adjustments Expense, Net of Reinsurance

Workers' Compensation

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021			IBNR Reserves			Claims Reported
2012			$	2,185		$	2,207		$	2,207		$	2,181		$	2,168		$	2,169		$	2,154		$	2,146		$	2,135		$	2,133		$	310		171,562
2013						2,020			1,981			1,920			1,883			1,861			1,861			1,850			1,831			1,811			346			151,492
2014									1,869			1,838			1,789			1,761			1,713			1,692			1,679			1,654			386			126,288
2015												1,873			1,835			1,801			1,724			1,714			1,699			1,667			412			114,113
2016															1,772			1,772			1,780			1,767			1,748			1,708			489			112,302
2017																		1,862			1,869			1,840			1,822			1,757			636			111,800
2018																					1,916			1,917			1,915			1,904			726			118,951
2019																								1,937			1,935			1,934			844			119,416
2020																											1,865			1,864			1,114			90,199
2021																														1,831			1,314			93,860
Total																														$	18,263

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	359		$	809		$	1,106		$	1,313		$	1,436		$	1,529		$	1,587		$	1,644		$	1,678		$	1,706
2013						304			675			917			1,071			1,175			1,260			1,304			1,339			1,361
2014									275			598			811			960			1,041			1,099			1,137			1,167
2015												261			576			778			909			1,004			1,068			1,117
2016															255			579			779			908			1,003			1,064
2017																		261			575			778			900			977
2018																					283			624			837			983
2019																								291			637			856
2020																											223			507
2021																														254
Total																														$	9,992

General Liability

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021			IBNR Reserves			Claims Reported
2012			$	423		$	402		$	399		$	392		$	410		$	408		$	421		$	413		$	407		$	406		$	41		16,768
2013						455			442			456			484			488			502			505			508			500			42			14,134
2014									506			475			481			494			513			522			515			505			52			15,242
2015												556			560			554			594			633			647			637			71			15,627
2016															613			583			607			632			632			620			92			16,817
2017																		626			614			613			615			613			174			16,447
2018																					692			669			697			703			295			17,749
2019																								822			827			822			512			16,858
2020																											938			923			739			11,991
2021																														1,002			929			8,364
Total																														$	6,731

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	13		$	55		$	101		$	170		$	233		$	280		$	305		$	323		$	332		$	352
2013						13			53			141			233			320			372			398			422			442
2014									15			42			130			214			304			358			402			423
2015												10			55			156			278			409			477			524
2016															12			52			131			283			368			447
2017																		15			67			156			255			344
2018																					21			84			177			288
2019																								29			100			193
2020																											45			110
2021																														34
Total																														$	3,157

Marine

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021			IBNR Reserves [1]			Claims Reported
2012			$	196		$	220		$	180		$	169		$	163		$	164		$	168		$	164		$	164		$	165		$	1		6,789
2013						149			152			134			136			140			135			138			140			139			(2)			6,629
2014									163			160			158			165			164			169			167			171			1			7,137
2015												158			146			146			148			134			138			140			(3)			10,137
2016															140			143			138			148			150			147			(17)			13,178
2017																		160			187			175			174			180			(8)			15,586
2018																					144			161			154			161			(8)			14,037
2019																								144			142			140			15			8,413
2020																											150			142			26			4,730
2021																														131			72			3,499
Total																														$	1,516

[1]Contributing to the negative IBNR reserves for some accident years is a lag in the timing of expected reinsurance recoveries under the Navigators ADC with NICO. Recoveries from NICO will not be collected until the Company has cumulative loss payments for all covered lines of more than the attachment point.

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	51		$	101		$	125		$	139		$	148		$	152		$	155		$	159		$	158		$	159
2013						42			82			100			112			119			121			126			133			134
2014									41			81			116			131			151			157			159			162
2015												40			85			116			126			134			140			141
2016															35			80			106			123			132			141
2017																		48			111			142			154			163
2018																					37			104			138			148
2019																								36			83			101
2020																											32			69
2021																														24
Total																														$	1,242

Package Business

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021			IBNR Reserves			Claims Reported
2012			$	736		$	725		$	728		$	731		$	736		$	735		$	739		$	732		$	732		$	727		$	24		59,921
2013						579			565			573			585			586			592			586			587			583			22			43,675
2014									566			578			601			602			603			603			593			581			29			43,321
2015												582			588			585			583			588			581			567			34			42,232
2016															655			638			632			625			611			595			51			44,079
2017																		695			702			692			657			644			73			46,638
2018																					719			724			688			667			114			44,822
2019																								813			769			749			175			43,073
2020																											915			893			316			61,161
2021																														946			412			40,792
Total																														$	6,952

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	286		$	486		$	560		$	616		$	652		$	673		$	687		$	694		$	697		$	699
2013						225			339			414			467			504			522			541			549			552
2014									226			345			416			468			507			525			535			542
2015												212			332			383			445			486			505			513
2016															225			353			410			465			500			521
2017																		235			372			447			496			534
2018																					237			402			451			498
2019																								254			413			488
2020																											326			493
2021																														368
Total																														$	5,208

Commercial Property

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021			IBNR Reserves			Claims Reported
2012			$	369		$	333		$	334		$	335		$	337		$	335		$	334		$	333		$	332		$	332		$	—		26,861
2013						268			252			254			252			249			248			247			247			247			—			21,620
2014									293			281			282			280			279			280			280			279			(1)			21,030
2015												299			301			302			301			305			304			301			—			21,029
2016															406			420			399			406			408			408			3			23,781
2017																		577			516			456			439			441			5			24,382
2018																					450			437			424			403			8			21,715
2019																								480			440			419			4			21,002
2020																											501			469			96			20,327
2021																														531			108			16,394
Total																														$	3,830

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	182		$	296		$	317		$	326		$	331		$	331		$	331		$	330		$	330		$	330
2013						161			223			238			243			242			244			245			245			245
2014									170			250			270			279			279			279			280			280
2015												179			257			285			296			302			303			302
2016															215			342			379			396			402			406
2017																		229			378			412			427			433
2018																					188			344			379			386
2019																								215			351			383
2020																											221			336
2021																														241
Total																														$	3,342

Commercial Automobile Liability

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021			IBNR Reserves			Claims Reported
2012			$	311		$	377		$	391		$	402		$	395		$	389		$	387		$	388		$	388		$	387		$	6		36,053
2013						311			318			334			341			340			339			336			334			333			7			32,242
2014									309			317			331			337			341			334			333			332			6			29,613
2015												308			358			372			356			356			359			360			10			28,565
2016															385			393			390			391			391			395			15			29,167
2017																		372			383			379			383			381			11			26,341
2018																					349			396			405			406			36			24,610
2019																								425			439			450			114			28,216
2020																											428			424			227			21,557
2021																														440			340			17,404
Total																														$	3,908

Cumulative Paid Losses & Allocated Loss Adjustment Expense, Net of Reinsurance
			For the years ended December 31
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	65		$	143		$	234		$	307		$	346		$	359		$	372		$	376		$	378		$	379
2013						62			130			202			259			295			311			320			323			324
2014									59			131			197			252			299			309			318			320
2015												62			142			207			267			314			335			344
2016															65			147			232			303			339			357
2017																		60			134			211			285			328
2018																					62			153			238			305
2019																								67			160			247
2020																											55			119
2021																														55
Total																														$	2,778

Commercial Automobile Physical Damage

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2019			2020			2021			IBNR Reserves			Claims Reported
2019			$	63		$	64		$	63		$	1		19,853
2020						51			51			1			14,671
2021									58			2			14,253
Total									$	172

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2019			2020			2021
2019			$	56		$	62		$	62
2020						45			50
2021									50
Total									$	162

Professional Liability

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Claims Made Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021			IBNR Reserves			Claims Reported
2012			$	242		$	238		$	238		$	218		$	221		$	221		$	219		$	225		$	217		$	212		$	(3)		7,037
2013						207			195			187			174			174			173			171			171			169			14			5,979
2014									187			183			181			178			179			182			183			174			21			6,734
2015												164			174			180			190			214			207			200			15			7,245
2016															183			176			204			197			196			197			27			8,391
2017																		205			203			232			226			241			47			9,466
2018																					248			281			278			278			74			10,040
2019																								298			317			336			150			9,654
2020																											370			365			259			7,713
2021																														339			310			5,450
Total																														$	2,511

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Claims Made Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	17		$	67		$	100		$	139		$	155		$	169		$	172		$	175		$	175		$	176
2013						10			44			67			88			116			131			137			142			148
2014									8			38			74			108			131			135			146			145
2015												9			40			85			107			125			141			164
2016															8			51			88			112			125			149
2017																		11			48			88			123			151
2018																					15			73			130			166
2019																								21			78			150
2020																											19			71
2021																														15
Total																														$	1,335

Bond

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021			IBNR Reserves			Claims Reported
2012			$	71		$	70		$	61		$	55		$	49		$	49		$	45		$	48		$	48		$	46		$	11		1,729
2013						64			58			55			48			49			39			35			34			34			13			1,468
2014									71			67			66			67			59			59			60			60			8			1,387
2015												67			67			63			60			54			48			47			17			1,395
2016															61			61			61			55			51			45			23			1,339
2017																		63			90			101			94			79			36			1,724
2018																					68			68			72			71			36			1,664
2019																								72			73			74			58			1,779
2020																											83			84			71			1,889
2021																														85			68			1,960
Total																														$	625

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	12		$	25		$	26		$	24		$	26		$	26		$	34		$	35		$	35		$	34
2013						3			9			17			19			19			19			20			20			20
2014									18			31			40			43			43			44			46			47
2015												9			20			24			31			34			32			30
2016															2			12			15			20			22			22
2017																		5			46			55			54			42
2018																					6			16			23			24
2019																								3			13			15
2020																											4			12
2021																														8
Total																														$	254

Assumed Reinsurance

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021			IBNR Reserves [1]			Claims Reported
2012			$	107		$	99		$	93		$	88		$	115		$	120		$	119		$	120		$	120		$	120		$	—		1,468
2013						115			119			103			105			102			102			103			103			103			(1)			1,656
2014									119			142			122			118			115			116			116			115			(1)			1,820
2015												102			92			94			94			95			96			96			—			1,582
2016															89			91			98			100			102			102			(5)			1,730
2017																		129			153			162			157			153			(3)			2,166
2018																					129			128			130			135			(13)			2,263
2019																								181			190			187			20			2,522
2020																											183			181			71			1,623
2021																														192			104			584
Total																														$	1,384

[1]Contributing to the negative IBNR reserves for some accident years is a lag in the timing of expected reinsurance recoveries under the Navigators ADC with NICO. Recoveries from NICO will not be collected until the Company has cumulative loss payments for all covered lines of more than the attachment point.

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	38		$	77		$	83		$	85		$	112		$	118		$	118		$	119		$	119		$	119
2013						53			83			91			98			100			101			103			103			103
2014									66			119			106			109			112			113			114			115
2015												42			65			77			83			91			94			95
2016															36			66			84			90			95			97
2017																		44			116			135			145			147
2018																					25			112			134			140
2019																								62			132			154
2020																											50			90
2021																														46
Total																														$	1,106

Personal Automobile Liability

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021			IBNR Reserves			Claims Reported
2012			$	1,141		$	1,149		$	1,146		$	1,142		$	1,133		$	1,130		$	1,130		$	1,130		$	1,129		$	1,128		$	4		210,757
2013						1,131			1,145			1,144			1,153			1,152			1,153			1,157			1,156			1,155			6			205,485
2014									1,146			1,153			1,198			1,200			1,199			1,202			1,201			1,199			6			209,022
2015												1,195			1,340			1,338			1,330			1,331			1,328			1,324			8			216,889
2016															1,407			1,402			1,393			1,397			1,395			1,386			11			215,839
2017																		1,277			1,275			1,228			1,214			1,200			18			187,513
2018																					1,108			1,104			1,072			1,058			51			156,152
2019																								1,018			1,010			991			97			139,360
2020																											805			782			192			95,755
2021																														881			444			94,494
Total																														$	11,104

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	441		$	818		$	986		$	1,067		$	1,104		$	1,114		$	1,120		$	1,122		$	1,123		$	1,123
2013						442			816			1,002			1,091			1,121			1,135			1,142			1,144			1,148
2014									430			843			1,032			1,125			1,165			1,182			1,186			1,190
2015												475			935			1,142			1,243			1,292			1,304			1,310
2016															505			968			1,188			1,308			1,345			1,363
2017																		441			836			1,033			1,123			1,161
2018																					359			710			888			965
2019																								323			654			816
2020																											238			486
2021																														247
Total																														$	9,809

Personal Automobile Physical Damage

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2019			2020			2021			IBNR Reserves			Claims Reported
2019			$	445		$	442		$	441		$	—		277,060
2020						349			346			5			210,783
2021									413			(6)			213,209
Total									$	1,200

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2019			2020			2021
2019			$	427		$	441		$	441
2020						333			341
2021									388
Total									$	1,170

Homeowners

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021			IBNR Reserves			Claims Reported
2012			$	774		$	741		$	741		$	741		$	739		$	738		$	738		$	738		$	737		$	737		$	—		142,860
2013						673			638			637			634			632			630			629			630			629			1			113,552
2014									710			707			702			700			698			698			698			698			—			121,923
2015												690			703			690			684			684			684			684			1			119,997
2016															669			673			663			658			658			658			2			119,793
2017																		866			889			884			783			775			6			124,713
2018																					903			910			673			642			(6)			102,784
2019																								501			475			470			13			84,536
2020																											525			512			26			87,841
2021																														502			107			71,196
Total																														$	6,307

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Accident Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	547		$	696		$	719		$	727		$	731		$	734		$	735		$	736		$	736		$	736
2013						467			590			611			622			626			627			628			628			628
2014									526			663			684			691			695			697			697			698
2015												487			645			665			674			680			681			681
2016															481			621			640			649			653			655
2017																		538			747			795			757			761
2018																					484			712			616			619
2019																								318			425			445
2020																											335			454
2021																														305
Total																														$	5,982

Group Long-Term Disability

Undiscounted Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
						For the years ended December 31,
						(Unaudited)
Incurral Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021			IBNR Reserves			Claims Reported
2012			$	1,829		$	1,605		$	1,539		$	1,532		$	1,530		$	1,515		$	1,504		$	1,486		$	1,479		$	1,474		$	—		35,814
2013						1,660			1,479			1,429			1,429			1,416			1,413			1,399			1,385			1,378			—			30,757
2014									1,636			1,473			1,430			1,431			1,431			1,408			1,395			1,389			—			31,927
2015												1,595			1,442			1,422			1,420			1,401			1,385			1,380			—			32,727
2016															1,651			1,481			1,468			1,437			1,417			1,409			—			33,301
2017																		1,597			1,413			1,358			1,316			1,304			1			30,902
2018																					1,647			1,387			1,309			1,277			1			28,403
2019																								1,650			1,424			1,327			5			27,375
2020																											1,686			1,407			29			25,503
2021																														1,768			881			17,132
Total																														$	14,113

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
						For the years ended December 31,
						(Unaudited)
Incurral Year			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	108		$	483		$	708		$	835		$	933		$	1,014		$	1,080		$	1,138		$	1,185		$	1,227
2013						102			443			664			791			881			954			1,016			1,067			1,113
2014									103			448			675			801			884			960			1,025			1,079
2015												108			460			687			806			891			962			1,025
2016															112			479			705			819			907			981
2017																		109			452			658			757			842
2018																					105			447			639			743
2019																								101			454			650
2020																											100			458
2021																														101
Total																														$	8,219

Group Life and Accident, excluding Premium Waiver

Undiscounted Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Incurral Year			2019			2020			2021			IBNR Reserves			Claims Reported
2019			$	1,902		$	1,866		$	1,867		$	9		57,811
2020						2,072			2,072			21			60,509
2021									2,384			467			51,507
Total									$	6,323

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
			For the years ended December 31,
			(Unaudited)
Incurral Year			2019			2020			2021
2019			$	1,471		$	1,830		$	1,847
2020						1,524			2,033
2021									1,764
Total									$	5,644

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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.

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Tabular disclosure of undiscounted information about claims development by accident year for short-duration insurance contracts.

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Tabular disclosure for the reconciliation of claims development to the liability for unpaid claims and claim adjustment expense for short-duration insurance contracts.

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Tabular disclosure of average annual percentage payout of incurred claims by age, after reinsurance, for short-duration insurance contracts.

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