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Unpaid Losses and Loss Adjustment Expenses (Tables)

12 Months Ended

Dec. 31, 2023

Unpaid Losses and Loss Adjustment Expenses [Abstract]

Schedule of Activity in the Liability for Unpaid Losses and Loss Adjustment Expenses

Activity in the liability for unpaid losses and loss adjustment expenses is summarized as follows:

		Year Ended December 31,
		2023				2022				2021
Balance, beginning of year:
Liability for unpaid losses and loss adjustment expenses		$	190,459			$	139,662			$	105,750
Reinsurance recoverables on losses			37,575				21,200				8,710
Net balance, beginning of year			152,884				118,462				97,040
Incurred related to:
Current year			223,960				293,283				220,517
Prior years			20,452				1,149				(4,138	)
Total incurred			244,412				294,432				216,379
Paid related to:
Current year			138,598				197,250				150,278
Prior years			90,548				62,760				44,679
Total paid			229,146				260,010				194,957
Balance, end of year:
Liability for unpaid losses and loss adjustment expenses			217,119				190,459				139,662
Reinsurance recoverables on losses			48,969				37,575				21,200
Net balance, end of year		$	168,150			$	152,884			$	118,462

Schedule of Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance

The tables include unaudited information about incurred and paid claims development for the years ended December 31, 2014 (a) through 2015 for the Private Passenger Auto, Primero Non-Standard Auto, Home and Farm, and Crop segments, (b) through 2017 for the Direct Auto Non-Standard Auto information, and (c) through 2019 for the Westminster Commercial information, which we present as supplementary information.

Private Passenger Auto		Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,																																								At December 31, 2023
Accident Year		2014 (1)				2015 (1)				2016				2017				2018				2019				2020				2021				2022				2023				Total IBNR Plus Expected Development on Reported Claims				Cumulative Number of Reported Claims
(in thousands, except claim counts)
2014		$	32,548			$	31,349			$	30,427			$	29,099			$	29,144			$	29,298			$	29,479			$	29,423			$	29,409			$	29,415			$	(1	)			11,745
2015			—				32,438				31,532				30,461				30,503				30,679				30,455				30,379				30,370				30,351				(5	)			11,688
2016			—				—				40,227				39,260				39,057				39,314				38,535				38,416				38,601				38,566				24				14,325
2017			—				—				—				40,779				40,199				40,120				40,427				40,488				40,520				40,471				44				13,753
2018			—				—				—				—				44,925				43,428				43,641				43,575				43,807				43,733				206				14,675
2019			—				—				—				—				—				53,769				53,328				53,364				52,802				52,749				329				16,540
2020			—				—				—				—				—				—				46,247				48,519				47,403				47,174				680				13,541
2021			—				—				—				—				—				—				—				57,316				57,176				57,431				660				15,321
2022			—				—				—				—				—				—				—				—				66,711				65,132				1,379				16,146
2023			—				—				—				—				—				—				—				—				—				62,357				3,753				12,671
Total																																						$	467,379

⁽¹⁾ Prior years unaudited

Non- Standard Auto (Primero)		Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,																																								At December 31, 2023
Accident Year		2014 (1)				2015 (1)				2016				2017				2018				2019				2020				2021				2022				2023				Total IBNR Plus Expected Development on Reported Claims				Cumulative Number of Reported Claims
(in thousands, except claim counts)
2014		$	7,297			$	7,619			$	7,591			$	7,577			$	7,612			$	7,625			$	7,606			$	7,606			$	7,606			$	7,606			$	—				1,838
2015			—				9,727				9,806				9,655				9,691				9,641				9,622				9,623				9,623				9,623				—				1,795
2016			—				—				9,967				10,048				10,054				10,033				10,008				9,976				9,974				9,974				—				1,741
2017			—				—				—				8,722				8,654				8,556				8,541				8,543				8,659				8,659				—				1,470
2018			—				—				—				—				10,445				11,804				11,763				11,766				11,776				11,780				—				1,801
2019			—				—				—				—				—				12,264				11,391				11,236				11,221				11,227				4				1,506
2020			—				—				—				—				—				—				9,018				8,824				8,936				9,041				21				968
2021			—				—				—				—				—				—				—				10,073				10,016				10,083				62				1,015
2022			—				—				—				—				—				—				—				—				5,905				5,780				171				586
2023			—				—				—				—				—				—				—				—				—				6,283				610				611
Total																																						$	90,056

Non- Standard Auto (Direct Auto)		Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,																																								At December 31, 2023
Accident Year		2014 (1)				2015 (1)				2016 (1)				2017 (1)				2018				2019				2020				2021				2022				2023				Total IBNR Plus Expected Development on Reported Claims				Cumulative Number of Reported Claims
(in thousands, except claim counts)
2014		$	14,010			$	9,068			$	6,224			$	8,381			$	6,745			$	6,476			$	6,672			$	6,524			$	6,440			$	6,476			$	—				4,776
2015			—				17,917				14,498				13,043				10,538				10,704				10,945				10,576				10,416				10,718				(1	)			9,057
2016			—				—				20,547				14,660				13,552				13,956				12,876				12,291				11,973				12,121				(31	)			11,137
2017			—				—				—				23,376				18,621				15,858				14,648				13,678				13,244				13,565				(8	)			11,720
2018			—				—				—				—				25,791				22,662				21,980				20,541				20,262				20,961				60				14,917
2019			—				—				—				—				—				24,932				25,473				24,574				24,879				25,432				649				10,918
2020			—				—				—				—				—				—				24,036				22,919				23,571				25,616				1,059				13,348
2021			—				—				—				—				—				—				—				30,579				30,596				35,254				1,748				14,758
2022			—				—				—				—				—				—				—				—				33,609				37,592				1,721				12,564
2023			—				—				—				—				—				—				—				—				—				44,132				15,675				11,389
Total																																						$	231,867

Home and Farm		Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,																																								At December 31, 2023
Accident Year		2014 (1)				2015 (1)				2016				2017				2018				2019				2020				2021				2022				2023				Total IBNR Plus Expected Development on Reported Claims				Cumulative Number of Reported Claims
(in thousands, except claim counts)
2014		$	36,620			$	35,981			$	35,769			$	35,591			$	35,685			$	35,534			$	35,497			$	35,503			$	35,507			$	35,765			$	10				5,247
2015			—				32,740				31,804				31,300				31,577				31,446				31,612				31,600				31,601				31,599				—				3,924
2016			—				—				45,713				44,513				44,945				44,597				44,728				44,745				44,809				44,788				2				6,354
2017			—				—				—				42,112				41,593				41,882				41,779				41,804				41,640				41,590				4				4,955
2018			—				—				—				—				42,486				43,840				43,747				43,682				43,712				43,731				42				4,596
2019			—				—				—				—				—				45,334				45,828				45,471				45,352				45,106				43				5,521
2020			—				—				—				—				—				—				36,264				35,668				34,656				34,761				73				4,114
2021			—				—				—				—				—				—				—				53,079				50,322				50,759				324				5,378
2022			—				—				—				—				—				—				—				—				112,049				105,409				1,204				8,304
2023			—				—				—				—				—				—				—				—				—				57,205				3,253				3,920
Total																																						$	490,713

Crop		Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,																																								At December 31, 2023
Accident Year		2014 (1)				2015 (1)				2016				2017				2018				2019				2020				2021				2022				2023				Total IBNR Plus Expected Development on Reported Claims				Cumulative Number of Reported Claims
(in thousands, except claim counts)
2014		$	22,688			$	20,333			$	20,333			$	20,333			$	20,333			$	20,333			$	20,333			$	20,333			$	20,333			$	20,333			$	—				2,268
2015			—				13,813				13,849				13,849				13,849				13,849				13,849				13,849				13,849				13,849				—				2,427
2016			—				—				20,209				19,582				19,487				19,487				19,487				19,487				19,487				19,487				—				2,806
2017			—				—				—				33,734				34,181				34,181				34,181				34,181				34,181				34,181				—				2,968
2018			—				—				—				—				12,506				11,730				11,730				11,730				11,730				11,730				—				2,147
2019			—				—				—				—				—				33,913				37,629				37,629				37,629				37,630				1				3,101
2020			—				—				—				—				—				—				28,688				28,759				28,759				28,760				1				2,442
2021			—				—				—				—				—				—				—				28,574				28,144				28,146				3				2,726
2022			—				—				—				—				—				—				—				—				21,834				20,745				11				2,021
2023			—				—				—				—				—				—				—				—				—				12,728				23				1,516
Total																																						$	227,589

Commercial (Westminster)		Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,																																								At December 31, 2023
Accident Year		2014 (1)				2015 (1)				2016 (1)				2017 (1)				2018 (1)				2019 (1)				2020				2021				2022				2023				Total IBNR Plus Expected Development on Reported Claims				Cumulative Number of Reported Claims
(in thousands, except claim counts)
2014		$	4,385			$	4,274			$	4,286			$	4,428			$	4,450			$	4,443			$	4,445			$	4,443			$	4,443			$	4,443			$	—				272
2015			—				3,082				3,258				4,019				4,218				4,293				4,238				4,294				4,290				4,317				—				278
2016			—				—				4,661				5,719				6,200				6,091				6,248				6,354				6,353				6,396				—				264
2017			—				—				—				5,552				6,249				6,838				7,347				7,905				7,855				7,900				38				320
2018			—				—				—				—				10,358				11,177				12,414				12,769				13,100				12,893				57				480
2019			—				—				—				—				—				11,658				13,051				14,564				15,370				15,764				981				423
2020			—				—				—				—				—				—				14,774				14,063				15,404				16,327				1,181				490
2021			—				—				—				—				—				—				—				30,911				35,525				39,720				6,836				626
2022			—				—				—				—				—				—				—				—				45,647				58,372				5,773				586
2023			—				—				—				—				—				—				—				—				—				39,751				12,423				309
Total																																						$	205,883

Commercial (non- Westminster)		Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,																																								At December 31, 2023
Accident Year		2014 (1)				2015 (1)				2016				2017				2018				2019				2020				2021				2022				2023				Total IBNR Plus Expected Development on Reported Claims				Cumulative Number of Reported Claims
(in thousands, except claim counts)
2014		$	2,180			$	1,732			$	1,694			$	1,675			$	1,650			$	1,650			$	1,650			$	1,650			$	1,650			$	1,650			$	—				163
2015			—				1,695				1,643				1,637				1,582				1,580				1,580				1,580				1,580				1,580				—				135
2016			—				—				2,683				2,526				2,515				2,516				2,512				2,512				2,511				2,511				—				288
2017			—				—				—				2,530				2,513				2,510				2,497				2,494				2,494				2,494				—				167
2018			—				—				—				—				1,652				1,576				1,609				1,555				1,554				1,554				—				147
2019			—				—				—				—				—				2,607				2,782				2,777				2,793				2,793				—				191
2020			—				—				—				—				—				—				2,293				2,054				2,371				2,382				—				132
2021			—				—				—				—				—				—				—				2,726				2,507				2,611				13				203
2022			—				—				—				—				—				—				—				—				4,536				3,904				62				225
2023			—				—				—				—				—				—				—				—				—				1,418				298				148
Total																																						$	22,897

Schedule of Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance

Private Passenger Auto		Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,
Accident Year		2014 (1)				2015 (1)				2016				2017				2018				2019				2020				2021				2022				2023
2014		$	22,744			$	25,727			$	27,076			$	27,443			$	28,281			$	28,765			$	29,239			$	29,407			$	29,409			$	29,416
2015			—				23,401				27,171				28,933				29,598				29,795				30,120				30,355				30,355				30,355
2016			—				—				29,009				35,845				37,307				38,108				37,833				38,173				38,303				38,539
2017			—				—				—				31,033				37,050				38,331				39,738				40,111				40,294				40,315
2018			—				—				—				—				34,358				40,213				41,479				42,820				43,074				43,225
2019			—				—				—				—				—				42,414				48,414				50,370				51,556				52,060
2020			—				—				—				—				—				—				35,495				42,585				45,670				46,211
2021			—				—				—				—				—				—				—				42,326				52,256				54,243
2022			—				—				—				—				—				—				—				—				49,911				59,556
2023			—				—				—				—				—				—				—				—				—				45,452
Total																																						$	439,372
All outstanding liabilities prior to 2014, net of reinsurance																																							17
Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																																						$	28,022

⁽¹⁾ Prior years unaudited

Non-Standard Auto (Primero)		Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,
Accident Year		2014 (1)				2015 (1)				2016				2017				2018				2019				2020				2021				2022				2023
2014		$	3,733			$	6,707			$	7,423			$	7,521			$	7,579			$	7,605			$	7,606			$	7,606			$	7,606			$	7,606
2015			—				5,335				8,685				9,479				9,557				9,620				9,622				9,623				9,623				9,623
2016			—				—				5,409				8,882				9,790				9,912				9,974				9,976				9,974				9,974
2017			—				—				—				4,348				7,660				8,204				8,460				8,506				8,659				8,659
2018			—				—				—				—				5,492				10,536				11,616				11,730				11,766				11,772
2019			—				—				—				—				—				6,300				10,007				10,971				11,175				11,224
2020			—				—				—				—				—				—				4,112				7,645				8,657				8,882
2021			—				—				—				—				—				—				—				4,844				8,946				9,885
2022			—				—				—				—				—				—				—				—				3,203				5,178
2023			—				—				—				—				—				—				—				—				—				3,636
																																			Total			$	86,439
All outstanding liabilities prior to 2014, net of reinsurance																																							—
Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																																						$	3,617

Non-Standard Auto (Direct Auto)		Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,
Accident Year		2014 (1)				2015 (1)				2016 (1)				2017 (1)				2018				2019				2020				2021				2022				2023
2014		$	2,201			$	3,573			$	4,452			$	5,369			$	5,781			$	6,151			$	6,327			$	6,364			$	6,421			$	6,447
2015			—				2,967				5,202				7,057				8,327				9,560				10,057				10,176				10,365				10,669
2016			—				—				3,526				6,272				8,559				10,603				11,058				11,519				11,820				12,010
2017			—				—				—				4,385				6,981				10,034				11,366				12,098				12,869				13,404
2018			—				—				—				—				6,034				12,285				15,204				16,759				18,723				20,430
2019			—				—				—				—				—				10,203				16,214				18,982				21,195				23,691
2020			—				—				—				—				—				—				9,965				15,401				18,503				21,537
2021			—				—				—				—				—				—				—				13,767				21,209				27,005
2022			—				—				—				—				—				—				—				—				11,766				24,355
2023			—				—				—				—				—				—				—				—				—				14,664
Total																																						$	174,212
All outstanding liabilities prior to 2014, net of reinsurance																																							0
Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																																						$	57,655

Home and Farm		Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,
Accident Year		2014 (1)				2015 (1)				2016				2017				2018				2019				2020				2021				2022				2023
2014		$	32,208			$	35,199			$	35,218			$	35,371			$	35,482			$	35,482			$	35,485			$	35,503			$	35,502			$	35,505
2015			—				27,204				30,165				30,350				30,573				31,383				31,597				31,597				31,599				31,599
2016			—				—				37,655				44,942				44,270				44,529				44,583				44,650				44,690				44,736
2017			—				—				—				34,657				38,928				40,441				40,941				41,414				41,504				41,506
2018			—				—				—				—				37,880				42,814				43,178				43,549				43,634				43,688
2019			—				—				—				—				—				38,718				43,253				44,119				44,847				45,053
2020			—				—				—				—				—				—				29,273				33,988				34,243				34,688
2021			—				—				—				—				—				—				—				41,096				48,890				50,117
2022			—				—				—				—				—				—				—				—				92,482				101,957
2023			—				—				—				—				—				—				—				—				—				46,607
																																			Total			$	475,456
All outstanding liabilities prior to 2014, net of reinsurance																																							—
Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																																						$	15,256

Crop		Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,
Accident Year		2014 (1)				2015 (1)				2016				2017				2018				2019				2020				2021				2022				2023
2014		$	17,789			$	20,333			$	20,333			$	20,333			$	20,333			$	20,333			$	20,333			$	20,333			$	20,333			$	20,333
2015			—				12,866				13,849				13,849				13,849				13,849				13,849				13,849				13,849				13,849
2016			—				—				16,444				19,487				19,487				19,487				19,487				19,487				19,487				19,487
2017			—				—				—				32,768				34,181				34,181				34,181				34,181				34,181				34,181
2018			—				—				—				—				10,737				11,730				11,730				11,730				11,730				11,730
2019			—				—				—				—				—				26,208				37,629				37,629				37,629				37,629
2020			—				—				—				—				—				—				27,952				28,759				28,759				28,759
2021			—				—				—				—				—				—				—				29,424				28,143				28,143
2022			—				—				—				—				—				—				—				—				20,279				20,735
2023			—				—				—				—				—				—				—				—				—				10,202
Total																																						$	225,048
All outstanding liabilities prior to 2014, net of reinsurance																																							—
Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																																						$	2,541

Commercial (Westminster)		Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,
Accident Year		2014 (1)				2015 (1)				2016 (1)				2017 (1)				2018 (1)				2019 (1)				2020				2021				2022				2023
2014		$	3,330			$	3,921			$	4,151			$	4,269			$	4,395			$	4,403			$	4,410			$	4,443			$	4,443			$	4,443
2015			—				2,126				2,794				3,332				3,950				4,206				4,231				4,287				4,290				4,317
2016			—				—				3,172				5,289				5,630				5,693				6,112				6,338				6,346				6,396
2017			—				—				—				3,573				4,927				5,865				6,576				7,206				7,512				7,612
2018			—				—				—				—				6,494				9,472				10,591				11,911				12,136				12,607
2019			—				—				—				—				—				6,294				9,925				11,056				12,993				14,627
2020			—				—				—				—				—				—				8,146				10,853				12,171				14,136
2021			—				—				—				—				—				—				—				16,269				25,105				28,660
2022			—				—				—				—				—				—				—				—				15,817				40,527
2023			—				—				—				—				—				—				—				—				—				17,134
																																			Total			$	150,459
All outstanding liabilities prior to 2014, net of reinsurance																																							—
Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																																						$	55,425

Commercial (non- Westminster)		Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,
Accident Year		2014 (1)				2015 (1)				2016				2017				2018				2019				2020				2021				2022				2023
2014		$	1,782			$	1,925			$	1,563			$	1,640			$	1,650			$	1,650			$	1,650			$	1,650			$	1,650			$	1,650
2015			—				1,274				1,796				1,818				1,580				1,580				1,580				1,580				1,580				1,580
2016			—				—				1,822				2,806				2,498				2,512				2,512				2,512				2,511				2,511
2017			—				—				—				1,530				2,465				2,497				2,497				2,494				2,494				2,494
2018			—				—				—				—				1,049				1,213				1,240				1,554				1,554				1,554
2019			—				—				—				—				—				1,917				2,712				2,717				2,793				2,793
2020			—				—				—				—				—				—				1,542				1,892				2,362				2,382
2021			—				—				—				—				—				—				—				1,687				2,345				2,372
2022			—				—				—				—				—				—				—				—				2,846				3,843
2023			—				—				—				—				—				—				—				—				—				954
Total																																						$	22,133
All outstanding liabilities prior to 2014, net of reinsurance																																							—
Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																																						$	764

Schedule of Reconciliation of the Net Incurred and Paid Claims Development

The following table presents a reconciliation of the net incurred and paid claims development tables to the liability for unpaid losses and loss adjustment expenses in our Consolidated Balance Sheet:

		December 31, 2023
Liabilities for unpaid losses and loss adjustment expenses:
Private passenger auto		$	28,037
Non-standard auto (Primero)			3,617
Non-standard auto (Direct Auto)			57,655
Home and farm			18,205
Crop			3,884
Commercial (Westminster)			97,934
Commercial (non-Westminster)			764
All other			7,023
Total liabilities for unpaid losses and loss adjustment expenses			217,119
Reinsurance recoverables on losses:
Private passenger auto			15
Non-standard auto (Primero)			—
Non-standard auto (Direct Auto)			—
Home and farm			2,949
Crop			1,343
Commercial (Westminster)			42,509
Commercial (non-Westminster)			—
All other			2,153
Total reinsurance recoverables on losses			48,969
Net liability for unpaid losses and loss adjustment expenses		$	168,150

Schedule of Required Supplementary Information about Average Historical Claims Duration

The following table presents required supplementary information about average historical claims duration as of December 31, 2023:

		Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
Years		1				2				3				4				5				6				7				8				9				10
Private Passenger Auto			50.8%				21.4%				11.7%				6.7%				4.3%				2.8%				1.3%				0.8%				0.2%				—
Non-Standard Auto (Primero)			75.7%				17.5%				4.4%				1.5%				0.6%				0.2%				0.1%				—				—				—
Non-Standard Auto (Direct Auto)			43.0%				25.0%				12.7%				5.4%				5.2%				4.4%				2.6%				1.6%				0.1%				—
Home and Farm			67.4%				14.6%				9.0%				4.6%				1.3%				0.6%				0.5%				0.1%				0.6%				1.3%
Crop			100.0%				—				—				—				—				—				—				—				—				—
Commercial (Westminster)			41.7%				22.1%				17.6%				10.2%				4.8%				1.6%				1.5%				0.5%				—				—
Commercial (non-Westminster)			78.9%				14.7%				3.7%				2.0%				0.7%				—				—				—				—				—

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