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Reserve for Loss and Loss Expense | 9 Months Ended
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Sep. 30, 2019
Insurance Loss Reserves [Abstract] |
Reserve for Loss and Loss Expense | 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) |  | 2019 |  | 2018
Gross reserve for loss and loss expense, at beginning of year |  | $ | 3,893,868 |  |  | 3,771,240 |
Less: reinsurance recoverable on unpaid loss and loss expense, at beginning of year |  | 537,388 |  |  | 585,855 |
Net reserve for loss and loss expense, at beginning of year |  | 3,356,480 |  |  | 3,185,385 |
Incurred loss and loss expense for claims occurring in the: |  |  |  |  |  |
Current year |  | 1,200,878 |  |  | 1,148,032 |
Prior years |  | (34,640 | ) |  | (17,564 | )
Total incurred loss and loss expense |  | 1,166,238 |  |  | 1,130,468 |
Paid loss and loss expense for claims occurring in the: |  |  |  |  |  |
Current year |  | 384,436 |  |  | 369,036 |
Prior years |  | 631,589 |  |  | 610,734 |
Total paid loss and loss expense |  | 1,016,025 |  |  | 979,770 |
Net reserve for loss and loss expense, at end of period |  | 3,506,693 |  |  | 3,336,083 |
Add: Reinsurance recoverable on unpaid loss and loss expense, at end of period |  | 548,938 |  |  | 589,072 |
Gross reserve for loss and loss expense at end of period |  | $ | 4,055,631 |  |  | 3,925,155 |
Prior year reserve development in Nine Months 2019 of $34.6 million included $41.0 million of favorable casualty reserve development, partially offset by $6.4 million of unfavorable property reserve development. The favorable casualty reserve development included $33.0 million in our workers compensation line of business and $10.0 million in our general liability line of business, partially offset by $2.0 million of unfavorable casualty reserve development in our personal automobile line of business. Prior year reserve development in Nine Months 2018 of $17.6 million included $24.0 million of favorable casualty reserve development, partially offset by $6.4 million of unfavorable property reserve development. The favorable casualty reserve 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 $25.0 million of unfavorable casualty reserve development in our commercial automobile line of business and $12.0 million in our excess and surplus ("E&S") casualty lines.

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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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