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Reserve for Loss and Loss Expense (Tables)

12 Months Ended

Dec. 31, 2021

Insurance Loss Reserves [Abstract]

Schedule of Roll Forward of Reserve for Loss and Loss Expense

($ in thousands)						2021						2020						2019
Gross reserves for loss and loss expense, at beginning of year						$	4,260,355					4,067,163						3,893,868
Less: reinsurance recoverable on unpaid loss and loss expense, at beginning of year1						554,269						547,066						537,388
Net reserves for loss and loss expense, at beginning of year						3,706,086						3,520,097						3,356,480
Incurred loss and loss expense for claims occurring in the:
Current year						1,896,837						1,708,755						1,601,780
Prior years						(82,853)						(72,932)						(50,289)
Total incurred loss and loss expense						1,813,984						1,635,823						1,551,491
Paid loss and loss expense for claims occurring in the:
Current year						676,331						642,586						579,527
Prior years						841,477						807,248						805,443
Total paid loss and loss expense						1,517,808						1,449,834						1,384,970
Net reserves for loss and loss expense, at end of year						4,002,262						3,706,086						3,523,001
Add: Reinsurance recoverable on unpaid loss and loss expense, at end of year						578,641						554,269						544,162
Gross reserves for loss and loss expense at end of year						$	4,580,903					4,260,355						4,067,163

Schedule of (Favorable)/ Unfavorable Prior Year Development

(Favorable)/Unfavorable Prior Year Development
($ in millions)						2021						2020						2019
General Liability						$	(29.0)					(35.0)						(5.0)
Commercial Automobile						13.3						7.1						0.7
Workers Compensation						(58.0)						(60.0)						(68.0)
Businessowners' Policies						(0.4)						3.9						1.9
Commercial Property						(2.6)						9.2						5.1
Homeowners						1.8						7.7						7.5
Personal Automobile						(0.2)						(1.8)						4.4
E&S Casualty Lines						(7.0)						—						2.0
E&S Property Lines						(0.8)						(4.0)						1.0
Other						—						—						0.1
Total						$	(82.9)					(72.9)						(50.3)

Schedule of Exposure to Various Asbestos and Environmental Claims

						2021
($ in millions)						Gross						Net
Asbestos						$	6.1					4.9
Landfill sites						12.1						7.6
Underground storage tanks						9.6						8.6
Total						$	27.8					21.1

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

						2021												2020												2019
($ in thousands)						Gross						Net						Gross						Net						Gross						Net
Asbestos
Reserves for loss and loss expense at beginning of year						$	6,254					5,023						6,288						5,057						7,328						6,097
Incurred loss and loss expense						51						51						320						320						(375)						(375)
Less: loss and loss expense paid						(190)						(190)						(354)						(354)						(665)						(665)
Reserves for loss and loss expense at the end of year						$	6,115					4,884						6,254						5,023						6,288						5,057
Environmental
Reserves for loss and loss expense at beginning of year						$	22,276					16,398						22,413						16,532						22,692						16,686
Incurred loss and loss expense						(613)						(14)						(447)						(474)						723						609
Less: loss and loss expense paid						(5)						(193)						310						340						(1,002)						(763)
Reserves for loss and loss expense at the end of year						$	21,658					16,191						22,276						16,398						22,413						16,532
Total Asbestos and Environmental Claims
Reserves for loss and loss expense at beginning of year						$	28,530					21,421						28,701						21,589						30,020						22,783
Incurred loss and loss expense						(562)						37						(127)						(154)						348						234
Less: loss and loss expense paid						(195)						(383)						(44)						(14)						(1,667)						(1,428)
Reserves for loss and loss expense at the end of year						$	27,773					21,075						28,530						21,421						28,701						21,589

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, 2021
Accident Year			Unaudited																																	IBNR			Cumulative Number of Reported Claims
			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	1,065,437		1,071,290			1,020,655			998,028			973,089			973,644			973,411			968,536			962,091			962,678						36,108			104,515
2013						1,044,142			1,062,045			1,047,230			1,021,007			1,002,316			987,763			984,858			973,739			957,958						40,736			91,756
2014									1,107,513			1,133,798			1,146,990			1,124,014			1,104,218			1,100,208			1,089,529			1,094,367						48,550			95,610
2015												1,114,081			1,130,513			1,144,830			1,138,313			1,119,441			1,108,860			1,103,592						56,165			94,874
2016															1,188,608			1,203,634			1,227,142			1,199,734			1,180,829			1,171,273						90,598			95,559
2017																		1,270,110			1,313,372			1,313,585			1,288,526			1,268,941						122,313			99,424
2018																					1,413,800			1,461,603			1,457,415			1,441,303						222,464			106,569
2019																								1,483,945			1,523,041			1,526,566						383,970			103,271
2020																											1,591,972			1,587,607						562,065			93,515
2021																														1,784,661						932,590			89,801
																											Total			12,898,946

All Lines (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year			Unaudited
			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	378,067		555,819			651,544			743,742			810,135			856,195			879,372			898,269			905,816			913,478
2013						335,956			518,872			644,475			748,758			833,823			872,331			891,841			904,825			911,657
2014									405,898			614,075			736,154			855,959			936,425			981,868			1,002,157			1,020,961
2015												376,641			581,203			725,385			845,868			929,222			967,857			1,000,509
2016															387,272			617,958			764,331			892,390			983,852			1,025,264
2017																		433,440			678,453			829,134			954,792			1,050,258
2018																					511,271			779,466			942,893			1,083,556
2019																								510,091			781,462			949,996
2020																											572,302			831,976
2021																														609,889
																											Total			9,397,544
															All outstanding liabilities before 2012, net of reinsurance															372,496
												Liabilities for loss and loss expenses, net of reinsurance																		3,873,898

General Liability (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																																				As of December 31, 2021
Accident Year			Unaudited																																	IBNR			Cumulative Number of Reported Claims
			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	238,979		245,561			215,083			194,144			175,305			175,268			180,659			182,085			178,285			179,197						12,796			10,052
2013						250,609			251,421			239,776			225,709			210,785			203,831			202,697			195,697			192,782						15,661			10,433
2014									244,312			249,946			257,132			239,333			234,082			237,125			229,679			230,247						21,413			10,677
2015												254,720			245,710			246,990			233,249			219,204			214,176			211,768						25,873			10,532
2016															277,214			272,048			277,986			263,245			252,733			246,643						41,647			10,763
2017																		293,747			293,128			301,384			289,883			278,607						67,475			11,219
2018																					317,934			336,326			345,224			332,013						126,438			11,641
2019																								347,150			356,363			358,301						196,836			11,264
2020																											361,554			360,302						252,458			9,076
2021																														422,748						356,223			8,260
																											Total			2,812,608

General Liability (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year			Unaudited
			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	13,030		35,241			56,580			89,008			109,448			130,866			144,451			156,186			158,397			162,516
2013						12,789			35,113			72,127			104,587			139,114			153,628			163,764			169,847			172,983
2014									14,901			46,825			79,972			121,969			154,957			179,192			187,352			198,772
2015												14,665			39,978			78,668			116,804			144,216			157,071			173,697
2016															15,684			46,549			89,431			133,757			164,136			181,770
2017																		17,366			49,470			92,355			131,980			167,002
2018																					19,531			60,784			108,421			155,538
2019																								18,097			58,284			100,206
2020																											21,858			58,699
2021																														28,069
																											Total			1,399,252
															All outstanding liabilities before 2012, net of reinsurance															102,433
												Liabilities for loss and loss expenses, net of reinsurance																		1,515,789

Workers Compensation (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																																				As of December 31, 2021
Accident Year			Unaudited																																	IBNR			Cumulative Number of Reported Claims
			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	203,864		208,036			199,360			195,197			188,596			187,359			183,314			178,774			177,658			177,706						20,697			11,628
2013						199,794			194,318			187,658			173,160			166,662			162,787			159,767			157,645			153,436						20,638			11,384
2014									199,346			187,065			182,579			172,515			164,420			160,646			159,604			161,021						21,285			10,495
2015												193,729			194,639			183,604			179,642			176,242			172,572			170,577						20,748			10,554
2016															196,774			184,946			176,248			166,009			156,540			155,210						24,850			10,585
2017																		195,202			184,306			175,853			162,672			154,159						25,096			10,809
2018																					193,894			193,818			181,151			173,428						34,218			11,129
2019																								188,625			188,596			174,912						44,549			10,307
2020																											168,643			168,594						61,878			7,495
2021																														185,198						111,451			8,089
																											Total			1,674,241

Workers Compensation (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year			Unaudited
			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	40,911		86,909			108,211			122,755			132,052			139,477			143,281			146,739			148,750			151,273
2013						36,829			74,568			96,376			109,739			118,669			124,130			126,822			129,224			130,467
2014									35,924			78,944			100,876			113,626			119,392			124,077			127,858			130,726
2015												33,857			77,320			98,195			112,601			120,097			124,046			129,019
2016															34,525			78,531			98,037			109,166			115,159			119,800
2017																		40,375			82,216			100,645			110,645			116,426
2018																					41,122			84,780			105,903			119,904
2019																								37,826			77,878			100,812
2020																											29,559			68,277
2021																														32,918
																											Total			1,099,622
															All outstanding liabilities before 2012, net of reinsurance															241,987
												Liabilities for loss and loss expenses, net of reinsurance																		816,606

Commercial Automobile (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																																				As of December 31, 2021
Accident Year			Unaudited																																	IBNR			Cumulative Number of Reported Claims
			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	179,551		191,947			183,527			184,289			184,367			186,128			184,633			185,357			184,477			184,411						467			24,431
2013						188,289			205,282			209,197			207,994			210,410			207,975			209,602			208,040			207,554						595			26,053
2014									200,534			212,725			216,824			219,925			218,172			217,334			216,461			214,992						875			28,079
2015												220,994			240,958			253,074			259,495			260,565			261,386			262,054						1,826			29,837
2016															255,187			274,367			285,302			285,304			290,359			291,674						3,226			31,754
2017																		301,274			329,389			324,291			322,197			326,461						10,110			33,066
2018																					347,908			352,487			345,547			350,310						23,671			35,714
2019																								385,212			398,346			404,854						63,122			36,079
2020																											381,654			381,163						121,558			30,095
2021																														483,831						232,070			34,461
																											Total			3,107,304

Commercial Automobile (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year			Unaudited
			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	73,316		105,371			127,235			148,669			168,114			176,656			179,501			181,353			183,098			183,365
2013						76,469			109,893			140,015			169,850			189,626			200,750			202,622			205,064			206,162
2014									80,810			117,169			148,884			180,701			202,821			209,655			212,481			213,689
2015												91,347			132,260			175,866			211,515			238,142			249,905			255,600
2016															106,022			155,720			200,701			233,939			264,858			277,242
2017																		117,287			178,823			220,422			262,349			296,600
2018																					134,867			193,788			243,713			291,725
2019																								149,538			221,590			283,410
2020																											139,016			198,034
2021																														187,200
																											Total			2,393,027
															All outstanding liabilities before 2012, net of reinsurance															3,427
												Liabilities for loss and loss expenses, net of reinsurance																		717,704

Businessowners' Policies (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																																				As of December 31, 2021
Accident Year			Unaudited																																	IBNR			Cumulative Number of Reported Claims
			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	54,342		48,029			46,303			44,172			44,077			43,747			43,418			43,717			43,444			43,534						198			5,545
2013						49,617			42,618			41,005			40,624			41,369			39,709			39,699			39,358			38,930						120			3,483
2014									55,962			60,949			62,548			59,806			58,517			58,093			57,302			57,483						746			4,067
2015												52,871			53,768			57,245			55,925			54,454			52,325			52,200						801			3,967
2016															52,335			53,792			54,993			53,835			53,367			53,147						1,010			3,851
2017																		46,624			48,698			51,524			48,067			43,606						2,642			3,892
2018																					55,024			57,202			62,427			60,393						7,655			4,256
2019																								53,531			59,466			64,667						11,556			3,616
2020																											71,836			73,680						11,225			5,364
2021																														66,312						21,947			3,078
																											Total			553,952

Businessowners' Policies (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year			Unaudited
			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	22,199		31,833			35,089			37,215			38,766			40,627			41,326			41,356			42,075			42,061
2013						17,412			26,592			30,845			34,760			37,993			38,464			39,085			39,212			39,440
2014									28,914			40,584			44,911			49,460			52,940			55,458			55,708			55,729
2015												24,189			36,014			42,710			46,571			49,073			49,839			50,005
2016															24,655			36,848			39,973			45,308			48,786			50,536
2017																		21,865			31,337			36,950			40,359			39,940
2018																					29,995			39,791			44,316			48,144
2019																								27,718			41,587			46,113
2020																											43,376			57,210
2021																														34,412
																											Total			463,590
															All outstanding liabilities before 2012, net of reinsurance															9,139
												Liabilities for loss and loss expenses, net of reinsurance																		99,501

Commercial Property (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																																				As of December 31, 2021
Accident Year			Unaudited																																	IBNR			Cumulative Number of Reported Claims
			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	118,464		114,224			115,375			116,658			117,102			117,170			117,225			117,220			117,200			117,277						4			8,519
2013						88,101			90,639			90,103			90,005			90,436			90,278			90,218			90,486			90,461						3			5,715
2014									141,192			136,249			136,820			138,751			138,155			136,212			136,237			136,151						10			6,517
2015												110,270			109,513			111,750			111,566			112,496			112,582			112,937						12			6,407
2016															121,927			126,185			125,937			124,487			123,567			123,005						23			6,743
2017																		138,773			149,106			149,044			153,664			154,119						54			6,904
2018																					183,177			190,834			192,558			194,016						98			8,289
2019																								173,826			177,075			179,574						530			7,300
2020																											232,060			225,278						4,314			10,116
2021																														246,319						36,186			7,153
																											Total			1,579,137

Commercial Property (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year			Unaudited
			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	81,528		108,834			111,503			114,699			116,291			116,625			116,671			116,674			116,673			116,755
2013						60,244			87,874			90,446			90,350			90,840			90,696			90,646			90,917			90,891
2014									101,131			132,909			136,634			137,883			137,418			136,008			135,928			136,141
2015												79,048			106,182			109,829			110,994			110,969			112,117			112,410
2016															83,966			118,789			122,930			123,828			123,601			122,909
2017																		99,047			142,338			148,589			152,018			153,750
2018																					135,416			184,813			192,698			193,487
2019																								130,891			172,768			177,825
2020																											164,613			215,107
2021																														161,757
																											Total			1,481,032
															All outstanding liabilities before 2012, net of reinsurance															99
												Liabilities for loss and loss expenses, net of reinsurance																		98,204

Personal Automobile (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																																				As of December 31, 2021
Accident Year			Unaudited																																	IBNR			Cumulative Number of Reported Claims
			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	113,771		114,921			109,832			109,324			110,294			110,300			109,795			109,701			109,634			109,546						5			22,333
2013						108,417			109,620			106,225			106,703			107,759			107,680			107,916			107,803			107,754						72			22,376
2014									102,250			109,325			106,757			107,452			106,821			107,104			107,106			107,566						79			22,509
2015												96,387			99,698			100,214			99,570			98,718			98,588			98,596						109			20,865
2016															92,727			98,032			100,202			101,140			99,544			99,858						357			19,826
2017																		101,880			105,139			103,653			103,260			103,557						447			20,744
2018																					111,594			113,569			112,030			112,418						2,100			22,682
2019																								114,043			115,688			115,993						5,649			22,845
2020																											95,625			94,532						17,790			17,501
2021																														108,244						28,461			18,931
																											Total			1,058,064

Personal Automobile (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year			Unaudited
			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	63,704		82,729			94,842			102,977			107,890			109,355			109,447			109,482			109,554			109,539
2013						61,384			80,861			92,637			100,528			105,131			106,679			106,876			107,419			107,423
2014									62,519			83,739			92,589			99,173			104,055			105,709			106,478			107,108
2015												58,725			76,470			87,163			92,102			95,997			97,275			97,761
2016															57,961			76,823			86,752			94,372			98,080			98,977
2017																		62,854			82,730			91,479			97,628			100,521
2018																					69,721			89,628			99,982			107,026
2019																								69,699			92,162			102,930
2020																											53,407			68,691
2021																														65,325
																											Total			965,301
															All outstanding liabilities before 2012, net of reinsurance															5,713
												Liabilities for loss and loss expenses, net of reinsurance																		98,476

Homeowners (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																																				As of December 31, 2021
Accident Year			Unaudited																																	IBNR			Cumulative Number of Reported Claims
			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	87,260		82,744			86,560			86,667			86,271			86,330			86,483			86,567			86,519			86,533						35			16,944
2013						73,670			72,528			71,494			72,145			71,714			72,148			72,318			71,948			71,955						38			7,750
2014									80,111			82,461			83,637			83,844			83,539			83,824			83,525			83,830						32			8,775
2015												76,637			76,400			76,559			74,723			74,978			74,673			74,682						478			7,750
2016															60,105			60,931			62,391			61,723			61,735			60,855						465			6,895
2017																		59,167			67,978			70,365			70,064			68,938						570			7,386
2018																					62,961			68,526			69,832			68,931						1,289			7,607
2019																								64,306			72,772			73,816						3,027			7,001
2020																											109,033			112,523						4,829			9,791
2021																														82,425						15,963			6,298
																											Total			784,488

Homeowners (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year			Unaudited
			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	69,056		79,584			82,720			84,250			85,196			85,562			85,642			85,897			85,899			85,918
2013						50,664			65,528			67,838			69,775			71,776			72,197			72,433			72,446			72,447
2014									61,561			76,007			79,751			81,664			82,583			82,836			82,831			83,321
2015												52,589			70,078			72,202			72,927			74,079			74,052			74,096
2016															42,252			57,333			59,546			60,082			61,187			60,449
2017																		45,466			63,290			67,193			67,767			68,078
2018																					49,430			64,137			65,348			66,634
2019																								49,680			67,631			69,911
2020																											83,838			105,690
2021																														59,054
																											Total			745,598
															All outstanding liabilities before 2012, net of reinsurance															5,438
												Liabilities for loss and loss expenses, net of reinsurance																		44,328

E&S Casualty Lines (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																																				As of December 31, 2021
Accident Year									Unaudited																											IBNR			Cumulative Number of Reported Claims
			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	42,367		$	42,621		43,175			46,149			46,165			45,988			46,444			44,622			44,348			44,083						1,911			2,064
2013						55,468			60,309			67,099			69,112			67,647			68,972			68,451			68,029			60,349						3,637			2,310
2014									55,316			63,505			69,929			71,719			71,206			71,153			70,846			74,270						4,115			2,131
2015												75,498			76,432			82,404			90,488			90,355			90,126			87,662						6,293			2,875
2016															94,451			96,416			104,655			105,120			104,730			102,476						19,208			2,968
2017																		91,438			95,783			99,866			99,395			99,960						16,217			2,797
2018																					98,324			103,004			103,184			104,983						25,673			2,762
2019																								117,087			118,298			117,736						56,323			2,553
2020																											103,872			103,137						71,650			1,595
2021																														128,099						111,132			1,223
																											Total			922,755

E&S Casualty Lines (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year									Unaudited
			2012			2013			2014			2015			2016			2017			2018			2019			2020			2021
2012			$	3,722		$	7,914		16,430			25,064			32,343			36,278			38,298			39,832			40,615			41,299
2013						2,715			9,470			21,980			35,200			46,108			51,142			54,974			55,988			57,152
2014									2,353			12,234			25,571			43,877			53,780			60,092			64,698			66,661
2015												3,036			13,057			29,389			50,712			64,529			71,421			75,844
2016															3,720			16,195			33,950			56,581			69,448			75,004
2017																		5,057			14,672			34,179			53,238			68,266
2018																					5,509			21,337			39,174			57,962
2019																								4,422			17,812			35,844
2020																											3,695			13,064
2021																														4,326
																											Total			495,422
															All outstanding liabilities before 2012, net of reinsurance															2,843
															Liabilities for loss and loss expenses, net of reinsurance															430,176

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

(in thousands)			December 31, 2021
Net outstanding liabilities:
Standard Commercial Lines
General liability			$	1,515,789
Workers compensation			816,606
Commercial automobile			717,704
Businessowners' policies			99,501
Commercial property			98,204
Other Standard Commercial Lines			22,866
Total Standard Commercial Lines net outstanding liabilities			3,270,670
Standard Personal Lines
Personal automobile			98,476
Homeowners			44,328
Other Standard Personal Lines			12,261
Total Standard Personal Lines net outstanding liabilities			155,065
E&S Lines
Casualty lines			430,176
Property lines			17,987
Total E&S Lines net outstanding liabilities			448,163
Total liabilities for unpaid loss and loss expenses, net of reinsurance			3,873,898
Reinsurance recoverable on unpaid claims:
Standard Commercial Lines
General liability			213,253
Workers compensation			196,670
Commercial automobile			15,480
Businessowners' policies			6,828
Commercial property			22,277
Other Standard Commercial Lines			2,136
Total Standard Commercial Lines reinsurance recoverable on unpaid loss			456,644
Standard Personal Lines
Personal automobile			40,941
Homeowners			2,392
Other Standard Personal Lines			64,975
Total Standard Personal Lines reinsurance recoverable on unpaid loss			108,308
E&S Lines
Casualty lines			11,672
Property lines			2,017
Total E&S Lines reinsurance recoverable on unpaid loss			13,689
Total reinsurance recoverable on unpaid loss			578,641
Unallocated loss expenses			128,364
Total gross liability for unpaid loss and loss expenses			$	4,580,903

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			6.4%			11.9			15.6			17.6			14.4			9.8			6.6			5.0			1.9			1.6
Workers compensation			21.8			25.9			13.6			8.4			4.5			2.9			2.3			3.1			1.7			0.8
Commercial automobile			37.2			16.7			14.7			13.0			10.0			4.5			1.7			1.0			0.5			0.1
Businessowners’ policies			49.2			20.8			8.0			8.7			5.9			3.1			1.2			0.1			0.1			0.1
Commercial property			69.4			25.8			3.1			1.0			0.4			—			—			—			—			—
Personal automobile			59.0			18.1			10.3			6.4			3.7			1.4			0.3			0.4			0.1			0.1
Homeowners			71.5			21.0			3.4			1.8			1.6			0.1			0.2			0.2			0.2			—
E&S Lines - casualty			3.8			11.2			16.7			19.0			14.8			7.9			5.7			3.5			3.0			2.0

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