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Reserve for Loss and Loss Expense (Tables)

12 Months Ended

Dec. 31, 2022

Insurance Loss Reserves [Abstract]

Schedule of Roll Forward of Reserve for Loss and Loss Expense

($ in thousands)						2022						2021						2020
Gross reserves for loss and loss expense, at beginning of year						$	4,580,903					4,260,355						4,067,163
Less: reinsurance recoverable on unpaid loss and loss expense, at beginning of year1						578,641						554,269						547,066
Net reserves for loss and loss expense, at beginning of year						4,002,262						3,706,086						3,520,097
Incurred loss and loss expense for claims occurring in the:
Current year						2,190,668						1,896,837						1,708,755
Prior years						(78,890)						(82,853)						(72,932)
Total incurred loss and loss expense						2,111,778						1,813,984						1,635,823
Paid loss and loss expense for claims occurring in the:
Current year						768,583						676,331						642,586
Prior years						958,149						841,477						807,248
Total paid loss and loss expense						1,726,732						1,517,808						1,449,834
Net reserves for loss and loss expense, at end of year						4,387,308						4,002,262						3,706,086
Add: Reinsurance recoverable on unpaid loss and loss expense, at end of year						757,513						578,641						554,269
Gross reserves for loss and loss expense at end of year						$	5,144,821					4,580,903						4,260,355

Schedule of (Favorable)/ Unfavorable Prior Year Development

(Favorable)/Unfavorable Prior Year Development
($ in millions)						2022						2021						2020
General Liability						$	(5.0)					(29.0)						(35.0)
Commercial Automobile						22.5						13.3						7.1
Workers Compensation						(70.0)						(58.0)						(60.0)
Businessowners' Policies						(7.3)						(0.4)						3.9
Commercial Property						(1.6)						(2.6)						9.2
Bonds						(10.0)						—						—
Homeowners						(0.6)						1.8						7.7
Personal Automobile						0.5						(0.2)						(1.8)
E&S Casualty Lines						(5.0)						(7.0)						—
E&S Property Lines						(2.5)						(0.8)						(4.0)
Other						0.1						—						—
Total						$	(78.9)					(82.9)						(72.9)

Schedule of Exposure to Various Asbestos and Environmental Claims

						2022
($ in millions)						Gross						Net
Asbestos						$	5.9					4.7
Landfill sites						11.8						7.5
Underground storage tanks						10.1						8.1
Total						$	27.8					20.3

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

						2022												2021												2020
($ in thousands)						Gross						Net						Gross						Net						Gross						Net
Asbestos
Reserves for loss and loss expense at beginning of year						$	6,115					4,884						6,254						5,023						6,288						5,057
Incurred loss and loss expense						8						8						51						51						320						320
Less: loss and loss expense paid						(232)						(232)						(190)						(190)						(354)						(354)
Reserves for loss and loss expense at the end of year						$	5,891					4,660						6,115						4,884						6,254						5,023
Environmental
Reserves for loss and loss expense at beginning of year						$	21,658					16,191						22,276						16,398						22,413						16,532
Incurred loss and loss expense						696						(213)						(613)						(14)						(447)						(474)
Less: loss and loss expense paid						(477)						(309)						(5)						(193)						310						340
Reserves for loss and loss expense at the end of year						$	21,877					15,669						21,658						16,191						22,276						16,398
Total Asbestos and Environmental Claims
Reserves for loss and loss expense at beginning of year						$	27,773					21,075						28,530						21,421						28,701						21,589
Incurred loss and loss expense						704						(205)						(562)						37						(127)						(154)
Less: loss and loss expense paid						(709)						(541)						(195)						(383)						(44)						(14)
Reserves for loss and loss expense at the end of year						$	27,768					20,329						27,773						21,075						28,530						21,421

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, 2022
Accident Year			Unaudited																																	IBNR			Cumulative Number of Reported Claims
			2013			2014			2015			2016			2017			2018			2019			2020			2021			2022
2013			$	1,044,142		1,062,045			1,047,230			1,021,007			1,002,316			987,763			984,858			973,739			957,958			951,813						33,631			91,959
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			1,090,345						42,087			95,835
2015									1,114,081			1,130,513			1,144,830			1,138,313			1,119,441			1,108,860			1,103,592			1,103,543						45,698			95,173
2016												1,188,608			1,203,634			1,227,142			1,199,734			1,180,829			1,171,273			1,167,539						67,934			95,944
2017															1,270,110			1,313,372			1,313,585			1,288,526			1,268,941			1,273,039						84,415			99,877
2018																		1,413,800			1,461,603			1,457,415			1,441,303			1,425,540						153,214			107,095
2019																					1,483,945			1,523,041			1,526,566			1,529,859						272,639			104,096
2020																								1,591,972			1,587,607			1,550,195						395,519			94,752
2021																											1,784,661			1,781,054						636,984			97,914
2022																														2,073,343						1,089,571			94,382
																											Total			13,946,270

All Lines (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year			Unaudited
			2013			2014			2015			2016			2017			2018			2019			2020			2021			2022
2013			$	335,956		518,872			644,475			748,758			833,823			872,331			891,841			904,825			911,657			916,769
2014						405,898			614,075			736,154			855,959			936,425			981,868			1,002,157			1,020,961			1,032,400
2015									376,641			581,203			725,385			845,868			929,222			967,857			1,000,509			1,018,023
2016												387,272			617,958			764,331			892,390			983,852			1,025,264			1,061,952
2017															433,440			678,453			829,134			954,792			1,050,258			1,116,336
2018																		511,271			779,466			942,893			1,083,556			1,187,744
2019																					510,091			781,462			949,996			1,109,628
2020																								572,302			831,976			988,463
2021																											609,889			934,965
2022																														699,789
																											Total			10,066,069
															All outstanding liabilities before 2013, net of reinsurance															379,073
												Liabilities for loss and loss expenses, net of reinsurance																		4,259,274

General Liability (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																																				As of December 31, 2022
Accident Year			Unaudited																																	IBNR			Cumulative Number of Reported Claims
			2013			2014			2015			2016			2017			2018			2019			2020			2021			2022
2013			$	250,609		251,421			239,776			225,709			210,785			203,831			202,697			195,697			192,782			189,594						12,561			10,462
2014						244,312			249,946			257,132			239,333			234,082			237,125			229,679			230,247			228,933						18,901			10,704
2015									254,720			245,710			246,990			233,249			219,204			214,176			211,768			210,137						19,932			10,565
2016												277,214			272,048			277,986			263,245			252,733			246,643			243,669						30,556			10,825
2017															293,747			293,128			301,384			289,883			278,607			283,379						46,761			11,324
2018																		317,934			336,326			345,224			332,013			324,567						92,627			11,802
2019																					347,150			356,363			358,301			366,184						154,311			11,575
2020																								361,554			360,302			352,834						201,089			9,645
2021																											422,748			414,279						287,278			10,136
2022																														482,590						409,505			8,988
																											Total			3,096,166

General Liability (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year			Unaudited
			2013			2014			2015			2016			2017			2018			2019			2020			2021			2022
2013			$	12,789		35,113			72,127			104,587			139,114			153,628			163,764			169,847			172,983			174,987
2014						14,901			46,825			79,972			121,969			154,957			179,192			187,352			198,772			204,212
2015									14,665			39,978			78,668			116,804			144,216			157,071			173,697			179,117
2016												15,684			46,549			89,431			133,757			164,136			181,770			199,032
2017															17,366			49,470			92,355			131,980			167,002			201,948
2018																		19,531			60,784			108,421			155,538			197,286
2019																					18,097			58,284			100,206			160,680
2020																								21,858			58,699			100,356
2021																											28,069			71,664
2022																														31,502
																											Total			1,520,784
															All outstanding liabilities before 2013, net of reinsurance															113,263
												Liabilities for loss and loss expenses, net of reinsurance																		1,688,645

Workers Compensation (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																																				As of December 31, 2022
Accident Year			Unaudited																																	IBNR			Cumulative Number of Reported Claims
			2013			2014			2015			2016			2017			2018			2019			2020			2021			2022
2013			$	199,794		194,318			187,658			173,160			166,662			162,787			159,767			157,645			153,436			149,975						16,818			11,385
2014						199,346			187,065			182,579			172,515			164,420			160,646			159,604			161,021			158,479						17,598			10,498
2015									193,729			194,639			183,604			179,642			176,242			172,572			170,577			169,008						18,790			10,554
2016												196,774			184,946			176,248			166,009			156,540			155,210			151,961						21,205			10,586
2017															195,202			184,306			175,853			162,672			154,159			151,221						19,961			10,813
2018																		193,894			193,818			181,151			173,428			167,974						25,963			11,133
2019																					188,625			188,596			174,912			164,940						32,088			10,324
2020																								168,643			168,594			159,229						44,323			7,534
2021																											185,198			185,151						74,474			8,547
2022																														207,206						116,968			8,517
																											Total			1,665,144

Workers Compensation (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year			Unaudited
			2013			2014			2015			2016			2017			2018			2019			2020			2021			2022
2013			$	36,829		74,568			96,376			109,739			118,669			124,130			126,822			129,224			130,467			131,390
2014						35,924			78,944			100,876			113,626			119,392			124,077			127,858			130,726			132,809
2015									33,857			77,320			98,195			112,601			120,097			124,046			129,019			132,235
2016												34,525			78,531			98,037			109,166			115,159			119,800			122,186
2017															40,375			82,216			100,645			110,645			116,426			120,468
2018																		41,122			84,780			105,903			119,904			126,206
2019																					37,826			77,878			100,812			112,649
2020																								29,559			68,277			87,211
2021																											32,918			76,015
2022																														45,814
																											Total			1,086,983
															All outstanding liabilities before 2013, net of reinsurance															230,858
												Liabilities for loss and loss expenses, net of reinsurance																		809,019

Commercial Automobile (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																																				As of December 31, 2022
Accident Year			Unaudited																																	IBNR			Cumulative Number of Reported Claims
			2013			2014			2015			2016			2017			2018			2019			2020			2021			2022
2013			$	188,289		205,282			209,197			207,994			210,410			207,975			209,602			208,040			207,554			207,564						535			26,221
2014						200,534			212,725			216,824			219,925			218,172			217,334			216,461			214,992			214,816						516			28,263
2015									220,994			240,958			253,074			259,495			260,565			261,386			262,054			262,766						1,627			30,085
2016												255,187			274,367			285,302			285,304			290,359			291,674			294,297						2,635			32,041
2017															301,274			329,389			324,291			322,197			326,461			325,654						4,664			33,345
2018																		347,908			352,487			345,547			350,310			348,202						11,375			36,002
2019																					385,212			398,346			404,854			407,051						32,019			36,375
2020																								381,654			381,163			375,636						70,872			30,343
2021																											483,831			512,673						155,984			36,843
2022																														572,421						278,004			36,909
																											Total			3,521,080

Commercial Automobile (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year			Unaudited
			2013			2014			2015			2016			2017			2018			2019			2020			2021			2022
2013			$	76,469		109,893			140,015			169,850			189,626			200,750			202,622			205,064			206,162			206,641
2014						80,810			117,169			148,884			180,701			202,821			209,655			212,481			213,689			213,847
2015									91,347			132,260			175,866			211,515			238,142			249,905			255,600			257,668
2016												106,022			155,720			200,701			233,939			264,858			277,242			284,870
2017															117,287			178,823			220,422			262,349			296,600			309,810
2018																		134,867			193,788			243,713			291,725			319,819
2019																					149,538			221,590			283,410			331,152
2020																								139,016			198,034			254,365
2021																											187,200			283,411
2022																														216,180
																											Total			2,677,763
															All outstanding liabilities before 2013, net of reinsurance															4,650
												Liabilities for loss and loss expenses, net of reinsurance																		847,967

Businessowners' Policies (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																																				As of December 31, 2022
Accident Year			Unaudited																																	IBNR			Cumulative Number of Reported Claims
			2013			2014			2015			2016			2017			2018			2019			2020			2021			2022
2013			$	49,617		42,618			41,005			40,624			41,369			39,709			39,699			39,358			38,930			38,984						169			3,484
2014						55,962			60,949			62,548			59,806			58,517			58,093			57,302			57,483			57,355						96			4,067
2015									52,871			53,768			57,245			55,925			54,454			52,325			52,200			52,514						608			3,968
2016												52,335			53,792			54,993			53,835			53,367			53,147			53,201						828			3,854
2017															46,624			48,698			51,524			48,067			43,606			42,374						879			3,895
2018																		55,024			57,202			62,427			60,393			56,625						3,125			4,262
2019																					53,531			59,466			64,667			65,762						8,181			3,639
2020																								71,836			73,680			73,077						7,630			5,421
2021																											66,312			63,648						10,539			3,454
2022																														86,194						33,995			3,074
																											Total			589,734

Businessowners' Policies (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year			Unaudited
			2013			2014			2015			2016			2017			2018			2019			2020			2021			2022
2013			$	17,412		26,592			30,845			34,760			37,993			38,464			39,085			39,212			39,440			39,445
2014						28,914			40,584			44,911			49,460			52,940			55,458			55,708			55,729			56,861
2015									24,189			36,014			42,710			46,571			49,073			49,839			50,005			51,120
2016												24,655			36,848			39,973			45,308			48,786			50,536			52,070
2017															21,865			31,337			36,950			40,359			39,940			40,845
2018																		29,995			39,791			44,316			48,144			51,239
2019																					27,718			41,587			46,113			52,887
2020																								43,376			57,210			60,596
2021																											34,412			47,436
2022																														36,421
																											Total			488,920
															All outstanding liabilities before 2013, net of reinsurance															9,657
												Liabilities for loss and loss expenses, net of reinsurance																		110,471

Commercial Property (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																																				As of December 31, 2022
Accident Year			Unaudited																																	IBNR			Cumulative Number of Reported Claims
			2013			2014			2015			2016			2017			2018			2019			2020			2021			2022
2013			$	88,101		90,639			90,103			90,005			90,436			90,278			90,218			90,486			90,461			90,799						4			5,716
2014						141,192			136,249			136,820			138,751			138,155			136,212			136,237			136,151			136,112						5			6,517
2015									110,270			109,513			111,750			111,566			112,496			112,582			112,937			112,915						9			6,407
2016												121,927			126,185			125,937			124,487			123,567			123,005			123,126						14			6,743
2017															138,773			149,106			149,044			153,664			154,119			154,942						20			6,906
2018																		183,177			190,834			192,558			194,016			196,413						47			8,293
2019																					173,826			177,075			179,574			180,605						230			7,315
2020																								232,060			225,278			226,107						2,023			10,147
2021																											246,319			239,822						4,672			7,942
2022																														297,318						56,716			7,224
																											Total			1,758,159

Commercial Property (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year			Unaudited
			2013			2014			2015			2016			2017			2018			2019			2020			2021			2022
2013			$	60,244		87,874			90,446			90,350			90,840			90,696			90,646			90,917			90,891			91,206
2014						101,131			132,909			136,634			137,883			137,418			136,008			135,928			136,141			136,107
2015									79,048			106,182			109,829			110,994			110,969			112,117			112,410			112,391
2016												83,966			118,789			122,930			123,828			123,601			122,909			123,265
2017															99,047			142,338			148,589			152,018			153,750			154,689
2018																		135,416			184,813			192,698			193,487			196,376
2019																					130,891			172,768			177,825			179,538
2020																								164,613			215,107			220,953
2021																											161,757			227,259
2022																														186,677
																											Total			1,628,461
															All outstanding liabilities before 2013, net of reinsurance															579
												Liabilities for loss and loss expenses, net of reinsurance																		130,277

Personal Automobile (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																																				As of December 31, 2022
Accident Year			Unaudited																																	IBNR			Cumulative Number of Reported Claims
			2013			2014			2015			2016			2017			2018			2019			2020			2021			2022
2013			$	108,417		109,620			106,225			106,703			107,759			107,680			107,916			107,803			107,754			107,758						57			22,376
2014						102,250			109,325			106,757			107,452			106,821			107,104			107,106			107,566			107,543						47			22,509
2015									96,387			99,698			100,214			99,570			98,718			98,588			98,596			98,669						117			20,865
2016												92,727			98,032			100,202			101,140			99,544			99,858			100,395						409			19,827
2017															101,880			105,139			103,653			103,260			103,557			105,079						710			20,748
2018																		111,594			113,569			112,030			112,418			113,647						2,098			22,684
2019																					114,043			115,688			115,993			118,669						4,163			22,860
2020																								95,625			94,532			90,179						6,584			17,533
2021																											108,244			102,777						10,411			19,672
2022																														121,030						26,632			20,345
																											Total			1,065,746

Personal Automobile (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year			Unaudited
			2013			2014			2015			2016			2017			2018			2019			2020			2021			2022
2013			$	61,384		80,861			92,637			100,528			105,131			106,679			106,876			107,419			107,423			107,417
2014						62,519			83,739			92,589			99,173			104,055			105,709			106,478			107,108			107,325
2015									58,725			76,470			87,163			92,102			95,997			97,275			97,761			97,920
2016												57,961			76,823			86,752			94,372			98,080			98,977			99,656
2017															62,854			82,730			91,479			97,628			100,521			103,556
2018																		69,721			89,628			99,982			107,026			109,644
2019																					69,699			92,162			102,930			109,844
2020																								53,407			68,691			76,710
2021																											65,325			84,743
2022																														75,994
																											Total			972,809
															All outstanding liabilities before 2013, net of reinsurance															7,045
												Liabilities for loss and loss expenses, net of reinsurance																		99,982

Homeowners (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																																				As of December 31, 2022
Accident Year			Unaudited																																	IBNR			Cumulative Number of Reported Claims
			2013			2014			2015			2016			2017			2018			2019			2020			2021			2022
2013			$	73,670		72,528			71,494			72,145			71,714			72,148			72,318			71,948			71,955			71,960						67			7,753
2014						80,111			82,461			83,637			83,844			83,539			83,824			83,525			83,830			83,819						60			8,776
2015									76,637			76,400			76,559			74,723			74,978			74,673			74,682			74,237						20			7,753
2016												60,105			60,931			62,391			61,723			61,735			60,855			60,841						438			6,896
2017															59,167			67,978			70,365			70,064			68,938			68,902						504			7,389
2018																		62,961			68,526			69,832			68,931			68,416						608			7,608
2019																					64,306			72,772			73,816			73,070						1,412			7,010
2020																								109,033			112,523			113,804						3,611			9,824
2021																											82,425			83,295						3,657			6,884
2022																														93,826						17,362			5,819
																											Total			792,170

Homeowners (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year			Unaudited
			2013			2014			2015			2016			2017			2018			2019			2020			2021			2022
2013			$	50,664		65,528			67,838			69,775			71,776			72,197			72,433			72,446			72,447			72,415
2014						61,561			76,007			79,751			81,664			82,583			82,836			82,831			83,321			83,782
2015									52,589			70,078			72,202			72,927			74,079			74,052			74,096			74,108
2016												42,252			57,333			59,546			60,082			61,187			60,449			60,474
2017															45,466			63,290			67,193			67,767			68,078			68,282
2018																		49,430			64,137			65,348			66,634			67,739
2019																					49,680			67,631			69,911			70,880
2020																								83,838			105,690			109,145
2021																											59,054			77,018
2022																														68,832
																											Total			752,675
															All outstanding liabilities before 2013, net of reinsurance															6,102
												Liabilities for loss and loss expenses, net of reinsurance																		45,597

E&S Casualty Lines (in thousands, except for claim counts)
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance																																				As of December 31, 2022
Accident Year									Unaudited																											IBNR			Cumulative Number of Reported Claims
			2013			2014			2015			2016			2017			2018			2019			2020			2021			2022
2013			$	55,468		$	60,309		67,099			69,112			67,647			68,972			68,451			68,029			60,349			60,511						3,504			2,311
2014						55,316			63,505			69,929			71,719			71,206			71,153			70,846			74,270			74,538						4,918			2,141
2015									75,498			76,432			82,404			90,488			90,355			90,126			87,662			90,263						4,646			2,887
2016												94,451			96,416			104,655			105,120			104,730			102,476			101,873						12,138			2,998
2017															91,438			95,783			99,866			99,395			99,960			102,045						11,390			2,848
2018																		98,324			103,004			103,184			104,983			105,756						17,093			2,816
2019																					117,087			118,298			117,736			117,113						39,429			2,683
2020																								103,872			103,137			95,832						49,633			1,788
2021																											128,099			125,436						89,909			1,751
2022																														146,999						132,276			1,285
																											Total			1,020,366

E&S Casualty Lines (in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident Year									Unaudited
			2013			2014			2015			2016			2017			2018			2019			2020			2021			2022
2013			$	2,715		$	9,470		21,980			35,200			46,108			51,142			54,974			55,988			57,152			58,584
2014						2,353			12,234			25,571			43,877			53,780			60,092			64,698			66,661			68,648
2015									3,036			13,057			29,389			50,712			64,529			71,421			75,844			81,396
2016												3,720			16,195			33,950			56,581			69,448			75,004			81,932
2017															5,057			14,672			34,179			53,238			68,266			77,090
2018																		5,509			21,337			39,174			57,962			73,605
2019																					4,422			17,812			35,844			57,701
2020																								3,695			13,064			27,861
2021																											4,326			15,835
2022																														4,198
																											Total			546,850
															All outstanding liabilities before 2013, net of reinsurance															5,991
															Liabilities for loss and loss expenses, net of reinsurance															479,507

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

(in thousands)			December 31, 2022
Net outstanding liabilities:
Standard Commercial Lines
General liability			$	1,688,645
Workers compensation			809,019
Commercial automobile			847,967
Businessowners' policies			110,471
Commercial property			130,277
Other Standard Commercial Lines			17,995
Total Standard Commercial Lines net outstanding liabilities			3,604,374
Standard Personal Lines
Personal automobile			99,982
Homeowners			45,597
Other Standard Personal Lines			11,739
Total Standard Personal Lines net outstanding liabilities			157,318
E&S Lines
Casualty lines			479,507
Property lines			18,075
Total E&S Lines net outstanding liabilities			497,582
Total liabilities for unpaid loss and loss expenses, net of reinsurance			4,259,274
Reinsurance recoverable on unpaid claims:
Standard Commercial Lines
General liability			246,736
Workers compensation			199,057
Commercial automobile			14,271
Businessowners' policies			19,277
Commercial property			81,970
Other Standard Commercial Lines			4,443
Total Standard Commercial Lines reinsurance recoverable on unpaid loss			565,754
Standard Personal Lines
Personal automobile			36,529
Homeowners			7,124
Other Standard Personal Lines			132,525
Total Standard Personal Lines reinsurance recoverable on unpaid loss			176,178
E&S Lines
Casualty lines			11,397
Property lines			4,184
Total E&S Lines reinsurance recoverable on unpaid loss			15,581
Total reinsurance recoverable on unpaid loss			757,513
Unallocated loss expenses			128,034
Total gross liability for unpaid loss and loss expenses			$	5,144,821

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			6.3%			11.8			15.5			17.4			15.1			9.9			7.2			4.1			3.0			2.1
Workers compensation			22.3			25.9			13.9			8.9			4.7			3.0			1.9			1.8			3.1			2.2
Commercial automobile			36.8			16.9			14.6			13.3			9.9			4.2			1.9			1.1			0.7			0.1
Businessowners’ policies			49.0			21.8			8.3			8.1			6.1			3.1			1.3			0.6			0.3			0.2
Commercial property			68.7			26.4			3.2			1.0			0.4			—			—			—			—			—
Personal automobile			59.8			18.1			8.8			6.5			3.7			1.7			0.5			0.4			0.2			0.1
Homeowners			70.8			21.8			3.5			1.6			1.7			0.2			0.2			0.1			0.1			—
E&S Lines - casualty			3.9			11.5			18.0			21.7			15.8			7.9			6.8			5.2			2.6			3.5

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