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Reserve for Loss and Loss Expense (Tables)
 12 Months Ended
Dec. 31, 2024
Insurance Loss Reserves [Abstract]  
Schedule of Roll Forward of Reserve for Loss and Loss Expense The table below provides a roll forward of the reserve for loss and loss expense for beginning and ending reserve balances:
($ in thousands)202420232022
Gross reserve for loss and loss expense, at beginning of year
$5,336,911 5,144,821 4,580,903 
Less: reinsurance recoverable on unpaid loss and loss expense, at beginning of year
618,601 757,513 578,641 
Net reserve for loss and loss expense, at beginning of year
4,718,310 4,387,308 4,002,262 
Incurred loss and loss expense for claims occurring in the:   
Current year2,879,213 2,474,331 2,190,668 
Prior years285,271 9,954 (78,890)
Total incurred loss and loss expense3,164,484 2,484,285 2,111,778 
Paid loss and loss expense for claims occurring in the:   
Current year1,001,792 922,641 768,583 
Prior years1,313,446 1,230,642 958,149 
Total paid loss and loss expense2,315,238 2,153,283 1,726,732 
Net reserve for loss and loss expense, at end of year
5,567,556 4,718,310 4,387,308 
Add: Reinsurance recoverable on unpaid loss and loss expense, at end of year1,022,245 618,601 757,513 
Gross reserve for loss and loss expense at end of year
$6,589,801 5,336,911 5,144,821 
Schedule of (Favorable)/ Unfavorable Prior Year Development
The following table summarizes the prior year reserve development by line of business:

(Favorable)/Unfavorable Prior Year Development
($ in millions)202420232022
General Liability$316.0 55.0 (5.0)
Commercial Automobile19.5 8.0 22.5 
Workers Compensation(45.0)(74.5)(70.0)
Businessowners' Policies(1.7)7.6 (7.3)
Commercial Property(23.4)0.7 (1.6)
Bonds(5.0)— (10.0)
Homeowners(1.4)4.6 (0.6)
Personal Automobile11.1 15.3 0.5 
E&S Casualty Lines20.0 (5.0)(5.0)
E&S Property Lines(4.9)(1.6)(2.5)
Other0.1 (0.1)0.1 
Total$285.3 10.0 (78.9)
Schedule of Exposure to Various Asbestos and Environmental Claims
The following table details our loss and loss expense reserves for various asbestos and environmental claims showing gross and net of reinsurance:

 2024
($ in millions)GrossNet
Asbestos$13.3 12.0 
Landfill sites11.2 7.4 
Underground storage tanks10.1 8.0 
Total$34.6 27.4 
Schedule of Roll Forward of Gross and Net Asbestos and Environmental Incurred Losses and Loss Expenses and Related Reserves
The following table provides a roll forward of asbestos and environmental incurred loss and loss expense and related reserves thereon showing gross and net of reinsurance:

 202420232022
($ in thousands)GrossNetGrossNetGrossNet
Asbestos      
Reserve for loss and loss expense at beginning of year
$4,856 3,537 5,891 4,660 6,115 4,884 
Incurred loss and loss expense32,721 19,634 603 515 8 8 
Less: loss and loss expense paid(24,261)(11,202)(1,638)(1,638)(232)(232)
Reserve for loss and loss expense at the end of year
$13,316 11,969 4,856 3,537 5,891 4,660 
Environmental      
Reserve for loss and loss expense at beginning of year
$21,553 15,606 21,877 15,669 21,658 16,191 
Incurred loss and loss expense332 120 461 233 696 (213)
Less: loss and loss expense paid(552)(255)(785)(296)(477)(309)
Reserve for loss and loss expense at the end of year
$21,333 15,471 21,553 15,606 21,877 15,669 
Total Asbestos and Environmental Claims      
Reserve for loss and loss expense at beginning of year
$26,409 19,143 27,768 20,329 27,773 21,075 
Incurred loss and loss expense33,053 19,754 1,064 748 704 (205)
Less: loss and loss expense paid(24,813)(11,457)(2,423)(1,934)(709)(541)
Reserve for loss and loss expense at the end of year
$34,649 27,440 26,409 19,143 27,768 20,329 
Schedule of Short-duration Insurance Contracts, Claims Development
The tables below also include information regarding reported claims. Claims are counted at the occurrence, line of business, and policy level. For example, if a single occurrence (e.g. an automobile accident) leads to a claim under an automobile and an associated umbrella policy, they are each counted separately. Conversely, multiple claimants under the same occurrence/line/policy would contribute only a single count. A claim is considered reported when a reserve is established or a payment is made. Therefore, claims closed without payment are included in the count as long as there was an associated case reserve at some point in its life cycle. The cumulative number of reported claims for each accident year in the tables below were updated with information available as of December 31, 2024. Therefore, the claim counts presented for the more recent accident years may not be representative of the ultimate claim counts, as they are for the more mature accident years presented.

All Lines
(in thousands, except for claim counts)
As of
December 31, 2024
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance
Accident YearUnauditedIBNRCumulative Number of Reported Claims
2015201620172018201920202021202220232024
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 1,105,039 1,104,250 29,315 95,762
20161,188,608 1,203,634 1,227,142 1,199,734 1,180,829 1,171,273 1,167,539 1,163,467 1,164,173 38,759 96,680
20171,270,110 1,313,372 1,313,585 1,288,526 1,268,941 1,273,039 1,287,882 1,295,753 50,141 100,703
20181,413,800 1,461,603 1,457,415 1,441,303 1,425,540 1,424,953 1,432,093 80,284 107,973
20191,483,945 1,523,041 1,526,566 1,529,859 1,523,313 1,534,266 127,788 105,134
20201,591,972 1,587,607 1,550,195 1,531,446 1,555,820 183,656 96,043
20211,784,661 1,781,0541,774,984 1,797,745 311,183 100,424
20222,073,343 2,096,742 2,200,062 562,919 107,331
20232,337,320 2,421,556 861,418 110,576
20242,734,774 1,457,452 100,007
Total17,240,492 
All Lines
(in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident YearUnaudited
2015201620172018201920202021202220232024
2015$376,641 581,203 725,385 845,868 929,222 967,857 1,000,509 1,018,023 1,032,064 1,042,528 
2016387,272 617,958 764,331 892,390 983,852 1,025,264 1,061,952 1,088,453 1,106,036 
2017433,440 678,453 829,134 954,792 1,050,258 1,116,336 1,180,346 1,219,053 
2018511,271 779,466 942,893 1,083,556 1,187,744 1,252,623 1,301,950 
2019510,091 781,462 949,996 1,109,628 1,247,100 1,339,564 
2020572,302 831,976 988,463 1,152,227 1,287,402 
2021609,889 934,965 1,134,930 1,322,871 
2022699,789 1,155,527 1,388,177 
2023843,967 1,292,282 
2024922,232 
Total12,222,095 
All outstanding liabilities before 2015, net of reinsurance
379,339 
Liabilities for loss and loss expenses, net of reinsurance5,397,736 

General Liability
(in thousands, except for claim counts)
As of
December 31, 2024
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance
Accident YearUnauditedIBNRCumulative Number of Reported Claims
2015201620172018201920202021202220232024
2015$254,720 245,710 246,990 233,249 219,204 214,176 211,768 210,137 213,653 214,672 11,840 10,623
2016277,214 272,048 277,986 263,245 252,733 246,643 243,669 244,782 247,611 18,447 10,940
2017293,747 293,128 301,384 289,883 278,607 283,379 293,448 299,118 26,871 11,529
2018317,934 336,326 345,224 332,013 324,567 329,102 330,054 44,580 12,025
2019347,150 356,363 358,301 366,184 362,139 365,212 75,401 11,896
2020361,554 360,302 352,834 361,163 389,512 120,496 10,284
2021422,748 414,279 414,204 463,259 191,124 11,337
2022482,590 482,279 597,562 325,331 12,151
2023541,559 608,632 436,191 11,397
2024718,013 620,833 9,257
Total4,233,645 

General Liability
(in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident YearUnaudited
2015201620172018201920202021202220232024
2015$14,665 39,978 78,668 116,804 144,216 157,071 173,697 179,117 186,336 192,275 
201615,684 46,549 89,431 133,757 164,136 181,770 199,032 211,725 222,067 
201717,366 49,470 92,355 131,980 167,002 201,948 241,879 260,015 
201819,531 60,784 108,421 155,538 197,286 236,812 261,198 
201918,097 58,284 100,206 160,680 213,020 259,726 
202021,858 58,699 100,356 159,209 230,949 
202128,069 71,664 131,157 206,834 
202231,502 93,422 169,702 
202330,743 99,616 
202441,251 
Total1,943,633 
All outstanding liabilities before 2015, net of reinsurance
142,871 
Liabilities for loss and loss expenses, net of reinsurance2,432,883 
Workers Compensation
(in thousands, except for claim counts)
As of
December 31, 2024
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance
Accident YearUnauditedIBNRCumulative Number of Reported Claims
2015201620172018201920202021202220232024
2015$193,729 194,639 183,604 179,642 176,242 172,572 170,577 169,008 166,042 165,050 14,710 10,554
2016196,774 184,946 176,248 166,009 156,540 155,210 151,961 147,732 147,479 16,087 10,587
2017195,202 184,306 175,853 162,672 154,159 151,221 148,949 149,400 16,582 10,814
2018193,894 193,818 181,151 173,428 167,974 163,884 163,478 19,530 11,139
2019188,625 188,596 174,912 164,940 159,225 161,241 23,005 10,334
2020168,643 168,594 159,229 143,384 140,033 20,188 7,559
2021185,198 185,151 173,784 153,093 23,006 8,590
2022207,206 207,156 197,817 45,518 8,994
2023204,240 204,083 59,654 8,789
2024209,470 107,954 8,527
Total1,691,144 

Workers Compensation
(in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident YearUnaudited
2015201620172018201920202021202220232024
2015$33,857 77,320 98,195 112,601 120,097 124,046 129,019 132,235 133,272 134,405 
201634,525 78,531 98,037 109,166 115,159 119,800 122,186 123,232 124,923 
201740,375 82,216 100,645 110,645 116,426 120,468 123,573 126,684 
201841,122 84,780 105,903 119,904 126,206 129,869 133,879 
201937,826 77,878 100,812 112,649 119,875 126,436 
202029,559 68,277 87,211 102,142 106,644 
202132,918 76,015 96,674 109,473 
202245,814 99,894 124,320 
202349,253 102,367 
202449,048 
Total1,138,179 
All outstanding liabilities before 2015, net of reinsurance
204,237 
Liabilities for loss and loss expenses, net of reinsurance757,202 

Commercial Automobile
(in thousands, except for claim counts)
As of
December 31, 2024
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance
Accident YearUnauditedIBNRCumulative Number of Reported Claims
2015201620172018201920202021202220232024
2015$220,994 240,958 253,074 259,495 260,565 261,386 262,054 262,766 263,115 263,301 178 30,579
2016255,187 274,367 285,302 285,304 290,359 291,674 294,297 294,878 294,371 600 32,610
2017301,274 329,389 324,291 322,197 326,461 325,654 326,832 326,740 1,508 33,910
2018347,908 352,487 345,547 350,310 348,202 346,213 347,964 3,222 36,566
2019385,212 398,346 404,854 407,051 410,432 415,684 7,777 36,927
2020381,654 381,163 375,636 374,293 371,272 14,953 30,696
2021483,831 512,673 510,825 507,344 45,365 37,409
2022572,421 581,223 577,111 96,685 40,254
2023633,529 660,063 205,119 39,202
2024688,046 364,444 36,820
Total4,451,896 
Commercial Automobile
(in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident YearUnaudited
2015201620172018201920202021202220232024
2015$91,347 132,260 175,866 211,515 238,142 249,905 255,600 257,668 260,328 261,389 
2016106,022 155,720 200,701 233,939 264,858 277,242 284,870 288,512 291,380 
2017117,287 178,823 220,422 262,349 296,600 309,810 318,047 323,126 
2018134,867 193,788 243,713 291,725 319,819 330,584 338,550 
2019149,538 221,590 283,410 331,152 376,550 400,262 
2020139,016 198,034 254,365 306,355 337,369 
2021187,200 283,411 352,383 416,245 
2022216,180 336,516 411,245 
2023237,931 365,948 
2024237,984 
Total3,383,498 
All outstanding liabilities before 2015, net of reinsurance
4,796 
Liabilities for loss and loss expenses, net of reinsurance1,073,194 

Businessowners' Policies
(in thousands, except for claim counts)
As of
December 31, 2024
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance
Accident YearUnauditedIBNRCumulative Number of Reported Claims
2015201620172018201920202021202220232024
2015$52,871 53,768 57,245 55,925 54,454 52,325 52,200 52,514 51,457 51,551 24 3,973
201652,335 53,792 54,993 53,835 53,367 53,147 53,201 52,930 52,835 114 3,858
201746,624 48,698 51,524 48,067 43,606 42,374 42,408 42,811 86 3,899
201855,024 57,202 62,427 60,393 56,625 55,586 54,668 424 4,267
201953,531 59,466 64,667 65,762 64,721 63,713 1,326 3,653
202071,836 73,680 73,077 73,320 73,148 1,646 5,452
202166,312 63,648 72,231 71,228 4,672 3,540
202286,194 89,025 88,059 10,037 3,832
202380,943 83,676 16,972 3,551
202498,720 31,856 3,507
Total680,409 

Businessowners' Policies
(in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident YearUnaudited
2015201620172018201920202021202220232024
2015$24,189 36,014 42,710 46,571 49,073 49,839 50,005 51,120 51,308 51,335 
201624,655 36,848 39,973 45,308 48,786 50,536 52,070 52,427 52,499 
201721,865 31,337 36,950 40,359 39,940 40,845 41,217 42,491 
201829,995 39,791 44,316 48,144 51,239 52,496 54,213 
201927,718 41,587 46,113 52,887 60,076 60,792 
202043,376 57,210 60,596 66,478 69,462 
202134,412 47,436 54,651 60,137 
202236,421 66,581 70,544 
202345,021 60,754 
202448,586 
Total570,813 
All outstanding liabilities before 2015, net of reinsurance
8,389 
Liabilities for loss and loss expenses, net of reinsurance117,985 
Commercial Property
(in thousands, except for claim counts)
As of
December 31, 2024
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance
Accident YearUnauditedIBNRCumulative Number of Reported Claims
2015201620172018201920202021202220232024
2015$110,270 109,513 111,750 111,566 112,496 112,582 112,937 112,915 112,974 112,965 7 6,408
2016121,927 126,185 125,937 124,487 123,567 123,005 123,126 123,067 123,137 10 6,744
2017138,773 149,106 149,044 153,664 154,119 154,942 155,408 156,590 13 6,907
2018183,177 190,834 192,558 194,016 196,413 196,527 196,388 21 8,295
2019173,826 177,075 179,574 180,605 180,832 180,563 44 7,318
2020232,060 225,278 226,107 226,915 226,058 62 10,158
2021246,319 239,822 237,831 235,273 201 7,990
2022297,318 296,974 290,405 (857)8,864
2023341,585 327,174 2,315 7,829
2024388,200 64,626 6,952
Total2,236,753 

Commercial Property
(in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident YearUnaudited
2015201620172018201920202021202220232024
2015$79,048 106,182 109,829 110,994 110,969 112,117 112,410 112,391 112,568 112,560 
201683,966 118,789 122,930 123,828 123,601 122,909 123,265 123,203 123,279 
201799,047 142,338 148,589 152,018 153,750 154,689 155,236 155,246 
2018135,416 184,813 192,698 193,487 196,376 196,605 196,485 
2019130,891 172,768 177,825 179,538 180,179 180,266 
2020164,613 215,107 220,953 223,902 225,589 
2021161,757 227,259 235,217 236,576 
2022186,677 285,250 290,168 
2023226,872 311,906 
2024252,770 
Total2,084,845 
All outstanding liabilities before 2015, net of reinsurance
55 
Liabilities for loss and loss expenses, net of reinsurance151,963 

Personal Automobile
(in thousands, except for claim counts)
As of
December 31, 2024
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance
Accident YearUnauditedIBNRCumulative Number of Reported Claims
2015201620172018201920202021202220232024
2015$96,387 99,698 100,214 99,570 98,718 98,588 98,596 98,669 98,939 98,860 (44)20,866
201692,727 98,032 100,202 101,140 99,544 99,858 100,395 100,458 100,287 (54)19,827
2017101,880 105,139 103,653 103,260 103,557 105,079 105,243 104,998 109 20,751
2018111,594 113,569 112,030 112,418 113,647 113,037 113,767 399 22,686
2019114,043 115,688 115,993 118,669 119,632 119,409 816 22,873
202095,625 94,532 90,179 89,027 89,249 1,513 17,551
2021108,244 102,777 105,088 106,344 3,127 19,743
2022121,030 133,623 138,559 9,807 21,315
2023172,104 174,229 23,393 26,980
2024184,131 52,995 23,929
Total1,229,833 
Personal Automobile
(in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident YearUnaudited
2015201620172018201920202021202220232024
2015$58,725 76,470 87,163 92,102 95,997 97,275 97,761 97,920 98,483 98,798 
201657,961 76,823 86,752 94,372 98,080 98,977 99,656 100,315 100,359 
201762,854 82,730 91,479 97,628 100,521 103,556 104,114 104,831 
201869,721 89,628 99,982 107,026 109,644 110,894 111,411 
201969,699 92,162 102,930 109,844 115,919 118,221 
202053,407 68,691 76,710 83,137 86,558 
202165,325 84,743 94,480 99,768 
202275,994 107,778 120,482 
2023102,642 137,142 
2024103,789 
Total1,081,359 
All outstanding liabilities before 2015, net of reinsurance
5,703 
Liabilities for loss and loss expenses, net of reinsurance154,177 

Homeowners
(in thousands, except for claim counts)
As of
December 31, 2024
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance
Accident YearUnauditedIBNRCumulative Number of Reported Claims
2015201620172018201920202021202220232024
2015$76,637 76,400 76,559 74,723 74,978 74,673 74,682 74,237 74,265 74,251 32 7,754
201660,105 60,931 62,391 61,723 61,735 60,855 60,841 60,453 60,441 33 6,896
201759,167 67,978 70,365 70,064 68,938 68,902 68,919 68,498 32 7,391
201862,961 68,526 69,832 68,931 68,416 68,581 68,106 132 7,609
201964,306 72,772 73,816 73,070 72,856 72,003 193 7,013
2020109,033 112,523 113,804 112,590 112,080 350 9,837
202182,425 83,295 84,189 81,852 280 6,928
202293,826 100,389 98,594 1,622 6,899
2023137,029 143,481 4,137 8,005
2024157,935 23,369 6,968
Total937,241 

Homeowners
(in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident YearUnaudited
2015201620172018201920202021202220232024
2015$52,589 70,078 72,202 72,927 74,079 74,052 74,096 74,108 74,108 74,119 
201642,252 57,333 59,546 60,082 61,187 60,449 60,474 60,480 60,480 
201745,466 63,290 67,193 67,767 68,078 68,282 68,454 68,466 
201849,430 64,137 65,348 66,634 67,739 67,726 67,943 
201949,680 67,631 69,911 70,880 71,603 71,796 
202083,838 105,690 109,145 110,578 111,466 
202159,054 77,018 79,399 80,129 
202268,832 91,788 96,777 
2023101,952 137,605 
2024119,876 
Total888,657 
All outstanding liabilities before 2015, net of reinsurance
4,796 
Liabilities for loss and loss expenses, net of reinsurance53,380 
E&S Casualty Lines
(in thousands, except for claim counts)
As of
December 31, 2024
Incurred Loss and Allocated Loss Expenses, Net of Reinsurance
Accident YearUnauditedIBNRCumulative Number of Reported Claims
2015201620172018201920202021202220232024
2015$75,498 76,432 82,404 90,488 90,355 90,126 87,662 90,263 91,424 90,462 2,524 2,916
201694,451 96,416 104,655 105,120 104,730 102,476 101,873 101,105 100,039 3,445 3,043
201791,438 95,783 99,866 99,395 99,960 102,045 106,663 108,219 4,842 2,888
201898,324 103,004 103,184 104,983 105,756 106,490 111,997 11,221 2,882
2019117,087 118,298 117,736 117,113 114,802 118,356 18,692 2,800
2020103,872 103,137 95,832 91,077 96,911 23,793 1,971
2021128,099 125,436 120,191 123,031 42,120 2,147
2022146,999 145,918 150,362 72,194 2,210
2023157,260 158,509 109,724 1,865
2024188,628 166,509 1,292
Total1,246,514 

E&S Casualty Lines
(in thousands)
Cumulative Paid Loss and Allocated Loss Expenses, Net of Reinsurance
Accident
Year		Unaudited
2015201620172018201920202021202220232024
2015$3,036 13,057 29,389 50,712 64,529 71,421 75,844 81,396 83,587 85,569 
20163,720 16,195 33,950 56,581 69,448 75,004 81,932 90,665 93,152 
20175,057 14,672 34,179 53,238 68,266 77,090 88,294 99,141 
20185,509 21,337 39,174 57,962 73,605 82,549 93,360 
20194,422 17,812 35,844 57,701 73,779 85,945 
20203,695 13,064 27,861 46,349 62,729 
20214,326 15,835 37,213 59,210 
20224,198 21,618 48,832 
20234,887 19,632 
20244,904 
Total652,474 
All outstanding liabilities before 2015, net of reinsurance
7,399 
Liabilities for loss and loss expenses, net of reinsurance601,439 
Schedule of Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability The reconciliation of the net incurred and paid claims development tables to the liability for loss and loss expenses in the Consolidated Balance Sheet is as follows:
(in thousands)December 31, 2024
Net outstanding liabilities:
Standard Commercial Lines
General liability$2,432,883 
Workers compensation757,202 
Commercial automobile1,073,194 
Businessowners' policies117,985 
Commercial property151,963 
Other Standard Commercial Lines18,378 
Total Standard Commercial Lines net outstanding liabilities4,551,605 
Standard Personal Lines
Personal automobile154,177 
Homeowners 53,380 
Other Standard Personal Lines16,877 
Total Standard Personal Lines net outstanding liabilities224,434 
E&S Lines
Casualty lines601,439 
Property lines20,258 
Total E&S Lines net outstanding liabilities621,697 
Total liabilities for unpaid loss and loss expenses, net of reinsurance5,397,736 
Reinsurance recoverable on unpaid claims:
Standard Commercial Lines
General liability396,702 
Workers compensation238,995 
Commercial automobile14,774 
Businessowners' policies2,604 
Commercial property36,313 
Other Standard Commercial Lines2,612 
Total Standard Commercial Lines reinsurance recoverable on unpaid loss692,000 
Standard Personal Lines
Personal automobile35,386 
Homeowners 1,962 
Other Standard Personal Lines273,013 
Total Standard Personal Lines reinsurance recoverable on unpaid loss310,361 
E&S Lines
Casualty lines18,903 
Property lines981 
Total E&S Lines reinsurance recoverable on unpaid loss19,884 
Total reinsurance recoverable on unpaid loss1,022,245 
Unallocated loss expenses169,820 
Total gross liability for unpaid loss and loss expenses$6,589,801 
Schedule of Short-duration Insurance Contracts, Schedule of Historical Claims Duration The following is supplementary information about average historical claims duration as of December 31, 2024:
Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
Years12345678910
General liability5.8%11.014.016.214.110.38.95.03.01.3
Workers compensation23.327.213.18.44.12.92.41.40.90.7
Commercial automobile36.418.014.312.49.64.32.11.10.70.3
Businessowners’ policies49.522.08.28.45.91.91.91.00.50.2
Commercial property68.326.83.10.80.30.20.10.10.10.1
Personal automobile58.819.29.26.13.51.60.40.80.20.1
Homeowners71.222.93.31.11.00.20.10.10.10.1
E&S Lines - casualty3.611.017.219.314.98.28.48.12.01.8