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v3.25.4

Reinsurance - Effects of reinsurance (Details) - USD ($) $ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Premiums Written |  |  |
Direct | $ 10,250 | $ 10,056 | $ 9,652
Assumed | 12,628 | 11,455 | 8,751
Ceded | (6,402) | (5,779) | (4,935)
Net premiums written | 16,476 | 15,732 | 13,468
Premiums Earned |  |  |
Direct | 10,200 | 9,721 | 9,131
Assumed | 13,089 | 10,880 | 7,890
Ceded | (6,224) | (5,501) | (4,581)
Net premiums earned | 17,065 | 15,100 | 12,440
Losses and Loss Adjustment Expenses |  |  |
Direct | 5,975 | 5,676 | 4,739
Assumed | 7,260 | 6,137 | 3,975
Ceded | (3,865) | (3,471) | (2,468)
Net | $ 9,370 | $ 8,342 | $ 6,246

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