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Reserve for Loss and Loss Expense (Tables)

12 Months Ended

Dec. 31, 2018

Insurance Loss Reserves [Abstract]

Schedule of Roll Forward of Reserve for Loss and Loss Expense

($ in thousands)		2018				2017			2016
Gross reserves for loss and loss expense, at beginning of year		$	3,771,240			3,691,719			3,517,728
Less: reinsurance recoverable on unpaid loss and loss expense, at beginning of year		585,855				611,200			551,019
Net reserves for loss and loss expense, at beginning of year		3,185,385				3,080,519			2,966,709
Incurred loss and loss expense for claims occurring in the:
Current year		1,527,997				1,384,266			1,300,565
Prior years		(29,863		)		(39,192	)		(65,768	)
Total incurred loss and loss expense		1,498,134				1,345,074			1,234,797
Paid loss and loss expense for claims occurring in the:
Current year		573,718				497,486			450,811
Prior years		753,321				742,722			670,176
Total paid loss and loss expense		1,327,039				1,240,208			1,120,987
Net reserves for loss and loss expense, at end of year		3,356,480				3,185,385			3,080,519
Add: Reinsurance recoverable on unpaid loss and loss expense, at end of year		537,388				585,855			611,200
Gross reserves for loss and loss expense at end of year		$	3,893,868			3,771,240			3,691,719

Schedule of (Favorable)/ Unfavorable Prior Year Development

(Favorable)/Unfavorable Prior Year Development
($ in millions)		2018				2017			2016
General Liability		$	(9.5	)		(48.3	)		(45.0	)
Commercial Automobile		36.7				35.6			25.3
Workers Compensation		(83.0		)		(52.3	)		(56.0	)
Businessowners' Policies		(1.5		)		1.9			1.8
Commercial Property		7.5				8.7			0.3
Homeowners		9.8				0.4			1.7
Personal Automobile		3.0				6.7			1.0
E&S Casualty Lines		12.0				10.0			6.0
E&S Property Lines		(4.8		)		0.1			1.2
Other		(0.1		)		(2.0	)		(2.1	)
Total		$	(29.9	)		(39.2	)		(65.8	)

Schedule of Exposure to Various Asbestos and Environmental Claims

		2018
($ in millions)		Gross				Net
Asbestos		$	7.3			6.1
Landfill sites		12.2				7.4
Underground storage tanks		10.5				9.3
Total		$	30.0			22.8

Schedule of Roll Forward of Gross and Net Asbestos and Environmental Incurred Losses and Loss Expenses and Related Reserves

		2018							2017						2016
($ in thousands)		Gross				Net			Gross			Net			Gross			Net
Asbestos
Reserves for loss and loss expense at beginning of year		$	7,577			6,346			7,847			6,615			8,024			6,793
Incurred loss and loss expense		—				—			—			—			77			77
Less: loss and loss expense paid		(249		)		(249	)		(270	)		(269	)		(254	)		(255	)
Reserves for loss and loss expense at the end of year		$	7,328			6,097			7,577			6,346			7,847			6,615
Environmental
Reserves for loss and loss expense at beginning of year		$	20,838			14,866			22,115			16,101			22,387			16,368
Incurred loss and loss expense		3,059				2,877			126			—			1,406			1,303
Less: loss and loss expense paid		(1,205		)		(1,057	)		(1,403	)		(1,235	)		(1,678	)		(1,570	)
Reserves for loss and loss expense at the end of year		$	22,692			16,686			20,838			14,866			22,115			16,101
Total Asbestos and Environmental Claims
Reserves for loss and loss expense at beginning of year		$	28,415			21,212			29,962			22,716			30,411			23,161
Incurred loss and loss expense		3,059				2,877			126			—			1,483			1,380
Less: loss and loss expense paid		(1,454		)		(1,306	)		(1,673	)		(1,504	)		(1,932	)		(1,825	)
Reserves for loss and loss expense at the end of year		$	30,020			22,783			28,415			21,212			29,962			22,716

Schedule of Short-duration Insurance Contracts, Claims Development

All Lines (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																							As of December 31, 2018
Accident Year	Unaudited																						IBNR		Cumulative Number of Reported Claims
	2009			2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	920,143		941,972		916,691		883,590		870,057		869,927		857,960		853,401		848,413		846,017			34,771		85,707
2010				950,114		973,742		977,959		956,600		943,118		922,404		915,131		907,074		904,561			42,224		94,400
2011						1,042,576		1,061,667		1,062,233		1,056,107		1,033,518		1,023,726		1,019,351		1,013,115			50,251		104,677
2012								1,065,437		1,071,290		1,020,655		998,028		973,089		973,644		973,411			66,071		103,949
2013										1,044,142		1,062,045		1,047,230		1,021,007		1,002,316		987,763			86,250		91,084
2014												1,107,513		1,133,798		1,146,990		1,124,014		1,104,218			117,760		94,774
2015														1,114,081		1,130,513		1,144,830		1,138,313			175,271		93,673
2016																1,188,608		1,203,634		1,227,142			319,825		93,724
2017																		1,270,110		1,313,372			471,978		96,426
2018																				1,413,800			677,444		96,408
																		Total		10,921,712

All Lines (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year	Unaudited
	2009			2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	277,275		442,417		540,982		634,902		695,249		736,100		760,589		775,885		784,713		791,281
2010				328,826		509,910		625,229		704,895		773,536		803,773		823,770		835,532		846,386
2011						391,944		585,867		692,730		782,655		852,202		901,801		924,111		940,626
2012								378,067		555,819		651,544		743,742		810,135		856,195		879,372
2013										335,956		518,872		644,475		748,758		833,823		872,331
2014												405,898		614,075		736,154		855,959		936,425
2015														376,641		581,203		725,385		845,868
2016																387,272		617,958		764,331
2017																		433,440		678,453
2018																				511,271
																		Total		8,066,344
										All outstanding liabilities before 2009, net of reinsurance										361,631
								Liabilities for loss and loss expenses, net of reinsurance												3,216,999

General Liability (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																							As of December 31, 2018
Accident Year	Unaudited																						IBNR		Cumulative Number of Reported Claims
	2009			2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	237,913		241,625		233,530		223,146		212,947		211,243		206,387		205,741		201,568		203,176			15,951		13,873
2010				215,208		228,680		242,499		237,154		222,328		211,619		208,968		202,394		206,146			18,634		12,696
2011						227,769		228,720		239,480		230,785		217,256		211,196		212,011		211,500			20,973		11,614
2012								238,979		245,561		215,083		194,144		175,305		175,268		180,659			25,251		9,960
2013										250,609		251,421		239,776		225,709		210,785		203,831			35,971		10,326
2014												244,312		249,946		257,132		239,333		234,082			57,041		10,513
2015														254,720		245,710		246,990		233,249			84,861		10,253
2016																277,214		272,048		277,986			142,991		10,213
2017																		293,747		293,128			202,925		10,032
2018																				317,934			270,267		8,741
																		Total		2,361,691

General Liability (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year	Unaudited
	2009			2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	14,346		37,143		64,970		103,213		130,554		151,920		166,767		176,316		180,621		183,263
2010				15,726		46,201		80,018		113,050		143,360		161,487		172,394		178,179		183,988
2011						13,924		42,692		73,643		102,978		135,377		159,768		170,525		181,856
2012								13,030		35,241		56,580		89,008		109,448		130,866		144,451
2013										12,789		35,113		72,127		104,587		139,114		153,628
2014												14,901		46,825		79,972		121,969		154,957
2015														14,665		39,978		78,668		116,804
2016																15,684		46,549		89,431
2017																		17,366		49,470
2018																				19,531
																		Total		1,277,379
										All outstanding liabilities before 2009, net of reinsurance										90,918
								Liabilities for loss and loss expenses, net of reinsurance												1,175,230

Workers Compensation (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																							As of December 31, 2018
Accident Year	Unaudited																						IBNR		Cumulative Number of Reported Claims
	2009			2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	197,504		215,946		213,036		210,109		210,756		216,992		212,536		208,611		208,142		205,125			18,242		12,218
2010				198,371		214,469		212,815		211,030		214,916		212,448		208,155		204,423		199,539			22,614		12,185
2011						205,238		218,973		214,743		215,114		210,591		205,708		200,674		194,821			26,226		11,850
2012								203,864		208,036		199,360		195,197		188,596		187,359		183,314			30,444		11,613
2013										199,794		194,318		187,658		173,160		166,662		162,787			30,648		11,372
2014												199,346		187,065		182,579		172,515		164,420			33,422		10,488
2015														193,729		194,639		183,604		179,642			34,940		10,544
2016																196,774		184,946		176,248			56,258		10,553
2017																		195,202		184,306			72,213		10,745
2018																				193,894			98,015		10,553
																		Total		1,844,096

Workers Compensation (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year	Unaudited
	2009			2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	37,885		87,299		117,019		133,116		145,417		154,726		160,529		164,336		167,894		171,205
2010				46,795		93,281		122,442		137,184		149,086		153,795		158,078		162,796		165,526
2011						42,941		90,836		118,847		134,646		139,232		149,269		154,320		158,535
2012								40,911		86,909		108,211		122,755		132,052		139,477		143,281
2013										36,829		74,568		96,376		109,739		118,669		124,130
2014												35,924		78,944		100,876		113,626		119,392
2015														33,857		77,320		98,195		112,601
2016																34,525		78,531		98,037
2017																		40,375		82,216
2018																				41,122
																		Total		1,216,045
										All outstanding liabilities before 2009, net of reinsurance										245,831
								Liabilities for loss and loss expenses, net of reinsurance												873,882

Commercial Automobile (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																							As of December 31, 2018
Accident Year	Unaudited																						IBNR		Cumulative Number of Reported Claims
	2009			2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	199,541		191,079		182,724		169,858		166,682		162,911		161,251		161,923		161,300		161,057			574		24,749
2010				187,562		189,305		187,778		181,923		179,854		172,969		173,157		173,471		173,080			762		25,406
2011						174,006		183,044		182,325		178,421		172,617		174,882		174,514		173,507			1,633		25,398
2012								179,551		191,947		183,527		184,289		184,367		186,128		184,633			2,259		24,025
2013										188,289		205,282		209,197		207,994		210,410		207,975			3,756		25,556
2014												200,534		212,725		216,824		219,925		218,172			8,718		27,528
2015														220,994		240,958		253,074		259,495			19,192		29,092
2016																255,187		274,367		285,302			46,407		30,855
2017																		301,274		329,389			98,125		32,122
2018																				347,908			164,906		32,895
																		Total		2,340,518

Commercial Automobile (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year	Unaudited
	2009			2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	63,126		94,406		113,697		137,564		149,949		155,560		158,303		159,723		160,013		160,456
2010				68,098		99,254		128,015		146,913		163,513		167,227		169,100		169,793		171,693
2011						69,849		99,196		121,576		142,507		157,291		166,082		170,000		170,913
2012								73,316		105,371		127,235		148,669		168,114		176,656		179,501
2013										76,469		109,893		140,015		169,850		189,626		200,750
2014												80,810		117,169		148,884		180,701		202,821
2015														91,347		132,260		175,866		211,515
2016																106,022		155,720		200,701
2017																		117,287		178,823
2018																				134,867
																		Total		1,812,040
										All outstanding liabilities before 2009, net of reinsurance										3,842
								Liabilities for loss and loss expenses, net of reinsurance												532,320

Businessowners' Policies (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																							As of December 31, 2018
Accident Year	Unaudited																						IBNR		Cumulative Number of Reported Claims
	2009			2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	48,535		51,762		46,645		43,828		43,553		44,938		44,299		44,273		43,933		44,028			323		3,474
2010				53,669		49,285		42,408		39,915		40,899		40,581		41,239		41,197		40,920			381		3,918
2011						54,469		57,083		51,047		58,242		59,256		58,966		58,456		58,735			1,140		4,959
2012								54,342		48,029		46,303		44,172		44,077		43,747		43,418			430		5,542
2013										49,617		42,618		41,005		40,624		41,369		39,709			1,404		3,482
2014												55,962		60,949		62,548		59,806		58,517			2,959		4,062
2015														52,871		53,768		57,245		55,925			6,215		3,952
2016																52,335		53,792		54,993			9,272		3,823
2017																		46,624		48,698			13,087		3,808
2018																				55,024			16,177		3,823
																		Total		499,967

Businessowners' Policies (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year	Unaudited
	2009			2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	18,915		29,612		32,689		36,073		40,052		42,895		43,358		43,448		43,547		43,596
2010				20,821		28,131		31,027		34,705		37,819		38,900		40,279		40,395		40,439
2011						27,884		37,362		41,011		46,444		52,114		55,856		57,045		57,365
2012								22,199		31,833		35,089		37,215		38,766		40,627		41,326
2013										17,412		26,592		30,845		34,760		37,993		38,464
2014												28,914		40,584		44,911		49,460		52,940
2015														24,189		36,014		42,710		46,571
2016																24,655		36,848		39,973
2017																		21,865		31,337
2018																				29,995
																		Total		422,006
										All outstanding liabilities before 2009, net of reinsurance										7,783
								Liabilities for loss and loss expenses, net of reinsurance												85,744

Commercial Property (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																							As of December 31, 2018
Accident Year	Unaudited																						IBNR		Cumulative Number of Reported Claims
	2009			2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	82,619		82,124		82,025		82,014		80,774		80,455		80,558		80,545		80,416		80,410			2		7,009
2010				105,647		96,851		97,386		96,127		95,530		95,363		95,178		95,155		95,142			4		7,668
2011						136,954		131,667		130,942		131,282		131,353		131,113		131,049		131,009			6		9,038
2012								118,464		114,224		115,375		116,658		117,102		117,170		117,225			21		8,515
2013										88,101		90,639		90,103		90,005		90,436		90,278			28		5,713
2014												141,192		136,249		136,820		138,751		138,155			57		6,514
2015														110,270		109,513		111,750		111,566			77		6,401
2016																121,927		126,185		125,937			405		6,727
2017																		138,773		149,106			(76	)	6,850
2018																				183,177			7,052		7,695
																		Total		1,222,005

Commercial Property (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year	Unaudited
	2009			2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	59,933		78,695		80,433		80,894		80,251		80,352		80,529		80,509		80,405		80,393
2010				69,543		91,918		94,602		95,111		95,270		95,147		95,156		95,150		95,138
2011						94,538		127,580		129,579		130,681		131,060		131,115		131,089		131,100
2012								81,528		108,834		111,503		114,699		116,291		116,625		116,671
2013										60,244		87,874		90,446		90,350		90,840		90,696
2014												101,131		132,909		136,634		137,883		137,418
2015														79,048		106,182		109,829		110,994
2016																83,966		118,789		122,930
2017																		99,047		142,338
2018																				135,416
																		Total		1,163,094
										All outstanding liabilities before 2009, net of reinsurance										69
								Liabilities for loss and loss expenses, net of reinsurance												58,980

Personal Automobile (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																							As of December 31, 2018
Accident Year	Unaudited																						IBNR		Cumulative Number of Reported Claims
	2009			2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	93,808		103,319		105,033		103,908		104,734		103,866		103,393		103,412		103,348		103,303			146		17,346
2010				103,340		110,075		112,346		109,515		107,490		107,405		107,224		107,054		106,887			160		20,822
2011						113,232		116,164		113,686		112,993		114,241		113,830		113,988		113,921			194		22,700
2012								113,771		114,921		109,832		109,324		110,294		110,300		109,795			205		22,332
2013										108,417		109,620		106,225		106,703		107,759		107,680			288		22,373
2014												102,250		109,325		106,757		107,452		106,821			774		22,504
2015														96,387		99,698		100,214		99,570			2,572		20,860
2016																92,727		98,032		100,202			6,252		19,803
2017																		101,880		105,139			13,162		20,679
2018																				111,594			23,506		21,748
																		Total		1,064,912

Personal Automobile (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year	Unaudited
	2009			2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	51,039		71,911		86,431		96,229		100,566		102,187		102,322		102,437		103,009		103,010
2010				58,786		82,490		95,300		101,540		104,061		105,849		106,453		106,733		106,722
2011						61,323		82,102		93,878		105,068		111,085		112,732		113,551		113,664
2012								63,704		82,729		94,842		102,977		107,890		109,355		109,447
2013										61,384		80,861		92,637		100,528		105,131		106,679
2014												62,519		83,739		92,589		99,173		104,055
2015														58,725		76,470		87,163		92,102
2016																57,961		76,823		86,752
2017																		62,854		82,730
2018																				69,721
																		Total		974,882
										All outstanding liabilities before 2009, net of reinsurance										6,040
								Liabilities for loss and loss expenses, net of reinsurance												96,070

Homeowners (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																							As of December 31, 2018
Accident Year	Unaudited																						IBNR		Cumulative Number of Reported Claims
	2009			2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	47,636		44,511		42,609		40,313		61,927		40,400		40,465		40,457		40,451		40,500			70		5,634
2010				68,373		67,525		63,285		97,761		62,462		62,402		62,339		62,392		62,402			83		9,132
2011						103,804		98,211		82,744		94,167		94,543		94,183		94,378		94,587			131		15,109
2012								87,260		82,745		86,560		86,667		86,271		86,330		86,483			237		16,939
2013										73,670		72,528		71,494		72,145		71,714		72,148			331		7,747
2014												80,111		82,461		83,637		83,844		83,539			411		8,770
2015														76,637		76,400		76,559		74,723			1,172		7,744
2016																60,105		60,931		62,391			1,837		6,869
2017																		59,167		67,978			1,969		7,299
2018																				62,961			6,660		7,062
																		Total		707,712

Homeowners (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year	Unaudited
	2009			2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	28,299		36,965		38,078		39,342		39,731		39,819		39,907		40,189		40,269		40,403
2010				43,699		58,638		60,295		61,106		62,155		62,227		62,241		62,272		62,283
2011						71,668		89,963		91,718		92,185		93,312		93,720		94,007		94,412
2012								69,056		79,584		82,720		84,250		85,196		85,562		85,642
2013										50,664		65,528		67,838		69,775		71,776		72,197
2014												61,561		76,007		79,751		81,664		82,583
2015														52,589		70,078		72,202		72,927
2016																42,252		57,333		59,546
2017																		45,466		63,290
2018																				49,430
																		Total		682,713
										All outstanding liabilities before 2009, net of reinsurance										6,107
								Liabilities for loss and loss expenses, net of reinsurance												31,106

E&S Casualty Lines (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																			As of December 31, 2018
Accident Year	Unaudited																		IBNR		Cumulative Number of Reported Claims
	2011			2012		2013		2014		2015		2016		2017		2018
2009	$	885		1,053		938		728		710		96		737		739			—		274
2010	3,294			4,106		3,369		4,299		3,831		3,055		4,932		5,168			—		813
2011	8,127			7,102		9,853		12,207		10,273		9,652		10,228		12,119			276		1,321
2012				42,367		42,621		43,175		46,149		46,165		45,988		46,444			6,417		2,022
2013						55,468		60,309		67,099		69,112		67,647		68,972			14,175		2,266
2014								55,316		63,505		69,929		71,719		71,206			14,097		2,040
2015										75,498		76,432		82,404		90,488			24,516		2,746
2016												94,451		96,416		104,655			52,151		2,732
2017														91,438		95,783			66,321		2,353
2018																98,324			82,486		1,734
														Total		593,898

E&S Casualty Lines (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year	Unaudited
	2011			2012		2013		2014		2015		2016		2017		2018
2009	$	—		198		431		605		626		709		737		739
2010	—			1,218		2,570		3,574		4,078		4,513		4,610		4,908
2011	—			806		3,200		6,445		9,954		9,912		10,256		9,819
2012				3,722		7,914		16,430		25,064		32,343		36,278		38,298
2013						2,715		9,470		21,980		35,200		46,108		51,142
2014								2,353		12,234		25,571		43,877		53,780
2015										3,036		13,057		29,389		50,712
2016												3,720		16,195		33,950
2017														5,057		14,672
2018																5,509
														Total		263,529
						All outstanding liabilities before 2009, net of reinsurance										98
						Liabilities for loss and loss expenses, net of reinsurance										330,467

Schedule of Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability

(in thousands)	December 31, 2018
Net outstanding liabilities:
Standard Commercial Lines
General liability	$	1,175,230
Workers compensation	873,882
Commercial automobile	532,320
Businessowners' policies	85,744
Commercial property	58,980
Other Standard Commercial Lines	9,122
Total Standard Commercial Lines net outstanding liabilities	2,735,278
Standard Personal Lines
Personal automobile	96,070
Homeowners	31,106
Other Standard Personal Lines	10,474
Total Standard Personal Lines net outstanding liabilities	137,650
E&S Lines
Casualty lines	330,467
Property lines	13,604
Total E&S Lines net outstanding liabilities	344,071
Total liabilities for unpaid loss and loss expenses, net of reinsurance	3,216,999
Reinsurance recoverable on unpaid claims:
Standard Commercial Lines
General liability	181,102
Workers compensation	220,683
Commercial automobile	15,641
Businessowners' policies	3,473
Commercial property	12,620
Other Standard Commercial Lines	2,909
Total Standard Commercial Lines reinsurance recoverable on unpaid loss	436,428
Standard Personal Lines
Personal automobile	45,572
Homeowners	1,346
Other Standard Personal Lines	31,777
Total Standard Personal Lines reinsurance recoverable on unpaid loss	78,695
E&S Lines
Casualty lines	21,898
Property lines	367
Total E&S Lines reinsurance recoverable on unpaid loss	22,265
Total reinsurance recoverable on unpaid loss	537,388
Unallocated loss expenses	139,481
Total gross liability for unpaid loss and loss expenses	$	3,893,868

Schedule of Short-duration Insurance Contracts, Schedule of Historical Claims Duration

Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
Years	1	2	3	4	5	6	7	8	9	10
General liability	6.5%	12.2	15.3	17.0	14.5	9.8	6.3	4.8	2.7	1.1
Workers compensation	21.2	24.3	13.2	8.3	5.4	3.9	2.4	2.3	1.4	1.1
Commercial automobile	37.9	17.3	14.5	13.1	9.5	4.0	1.6	0.8	0.7	0.4
Businessowners’ policies	47.3	19.9	8.3	8.3	7.4	4.3	1.7	0.5	0.2	1.1
Commercial property	70.7	25.2	2.7	1.1	0.2	0.1	—	—	—	—
Personal automobile	57.1	18.5	10.5	7.2	4.3	1.5	0.4	0.1	0.2	—
Homeowners	72.3	20.3	3.1	1.8	1.4	0.4	0.2	0.1	0.1	0.1
E&S Lines - casualty	5.0	11.4	17.1	21.4	15.4	8.6	5.4

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