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Reserve for Loss and Loss Expense | 9 Months Ended
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Sep. 30, 2018
Insurance Loss Reserves [Abstract] |
Liability for Future Policy Benefits and Unpaid Claims Disclosure | Reserve for Loss and Loss Expense The table below provides a roll forward of reserve for loss and loss expense balances:
|  | Nine Months ended September 30,
($ in thousands) |  | 2018 |  | 2017
Gross reserve for loss and loss expense, at beginning of year |  | $ | 3,771,240 |  |  | 3,691,719 |
Less: reinsurance recoverable on unpaid loss and loss expense, at beginning of year |  | 585,855 |  |  | 611,200 |
Net reserve for loss and loss expense, at beginning of year |  | 3,185,385 |  |  | 3,080,519 |
Incurred loss and loss expense for claims occurring in the: |  |  |  |  |  |
Current year |  | 1,148,032 |  |  | 1,037,079 |
Prior years |  | (17,564 | ) |  | (33,461 | )
Total incurred loss and loss expense |  | 1,130,468 |  |  | 1,003,618 |
Paid loss and loss expense for claims occurring in the: |  |  |  |  |  |
Current year |  | 369,036 |  |  | 314,686 |
Prior years |  | 610,734 |  |  | 581,186 |
Total paid loss and loss expense |  | 979,770 |  |  | 895,872 |
Net reserve for loss and loss expense, at end of period |  | 3,336,083 |  |  | 3,188,265 |
Add: Reinsurance recoverable on unpaid loss and loss expense, at end of period |  | 589,072 |  |  | 647,535 |
Gross reserve for loss and loss expense at end of period |  | $ | 3,925,155 |  |  | 3,835,800 |
The $111.0 million increase in current year loss and loss expense incurred illustrated in the table above was primarily driven by: (i) non-catastrophe property losses; (ii) an increase in current year loss costs on our commercial automobile line of business; and (iii) an increase in exposure due to premium growth. Non-catastrophe property losses, which increased $61.9 million, to $278.5 million, in Nine Months 2018, were partially related to the early January 2018 deep freeze in our footprint states and a relatively large number of fire losses over the course of the year. Prior year development in Nine Months 2018 of $17.6 million included $24.0 million of favorable casualty development, partially offset by $6.4 million of unfavorable property development. The favorable casualty development included $53.0 million of development in our workers compensation line of business and $8.0 million in our general liability line of business, partially offset by unfavorable development of $25.0 million in our commercial automobile line of business and $12.0 million in our excess and surplus ("E&S") casualty lines. Prior year development in Nine Months 2017 of $33.5 million was primarily driven by favorable prior year casualty reserve development of $48.3 million in our general liability line of business and $29.3 million in our workers compensation line of business. This was partially offset by unfavorable development of $26.0 million in our commercial automobile line of business, $10.0 million in our E&S segment, and $4.0 million in our personal automobile line of business. For a discussion of the trends and recent developments impacting these lines, refer to the "Critical Accounting Policies and Estimates" section of Item 7. "Management's Discussion and Analysis of Financial Condition and Results of Operations." in our 2017 Annual Report.

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- Definition The entire disclosure for liabilities related to future policy benefits and unpaid claims and claim adjustments. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -URI http://asc.fasb.org/subtopic&trid=2560295 + Details
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