All Lines of Business
*(in thousands, except reported claims data)*
																					As of
	Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance																				June 30, 2020
	For the Years Ended December 31,																		For the six months ended June				Cumulative Number of Reported Claims by Accident
Accident Year	2011		2012		2013		2014		2015		2016		2017		2018		2019		30, 2020		IBNR		Year
	(Unaudited 2011 - 2019)																		(Unaudited)

2011	$	7,603	$	7,678	$	8,618	$	9,440	$	9,198	$	9,066	$	9,144	$	9,171	$	9,127	$	9,128	$	-		1,914
2012				9,539		9,344		10,278		10,382		10,582		10,790		10,791		11,015		10,963		91		4,704	(1)
2013						10,728		9,745		9,424		9,621		10,061		10,089		10,607		10,430		33		1,561
2014								14,193		14,260		14,218		14,564		15,023		16,381		16,509		299		2,137
2015										22,340		21,994		22,148		22,491		23,386		23,031		130		2,555
2016												26,062		24,941		24,789		27,887		27,832		423		2,878
2017														31,605		32,169		35,304		36,026		414		3,384
2018																54,455		56,351		58,289		2,187		4,191
2019																		75,092		72,769		11,498		4,394
2020																				27,492		7,445		1,713
																	Total		$	292,469

(1)	Reported claims for accident year 2012 includes 3,406 claims from Superstorm Sandy.

All Lines of Business
*(in thousands)*
	Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the Years Ended December 31,																		For the six months ended June 30,
Accident Year	2011		2012		2013		2014		2015		2016		2017		2018		2019		2020
	(Unaudited 2011 - 2019)																		(Unaudited)

2011	$	3,740	$	5,117	$	6,228	$	7,170	$	8,139	$	8,540	$	8,702	$	8,727	$	8,789	$	8,993
2012				3,950		5,770		7,127		8,196		9,187		10,236		10,323		10,428		10,443
2013						3,405		5,303		6,633		7,591		8,407		9,056		9,717		10,007
2014								5,710		9,429		10,738		11,770		13,819		14,901		15,169
2015										12,295		16,181		18,266		19,984		21,067		22,058
2016												15,364		19,001		21,106		23,974		24,863
2017														16,704		24,820		28,693		30,172
2018																32,383		44,516		47,698
2019																		40,933		52,940
2020																				13,087
																	Total		$	235,431

Net liability for unpaid loss and allocated loss adjustment expenses for the accident years presented																			$	57,038
All outstanding liabilities before 2011, net of reinsurance																				98
Liabilities for loss and allocated loss adjustment expenses, net of reinsurance																			$	57,136

	Treaty Year
	December 15, 2019			July 1, 2019	July 1, 2018
	to			to	to
Line of Business	December 31, 2020			December 14, 2019	June 30, 2019

Personal Lines:
Homeowners, dwelling fire and
and canine legal liability
Quota share treaty:
Percent ceded		25	%	None		10	%

	Treaty Year
	January 1, 2021		July 1, 2020		December 15, 2019		July 1, 2019		July 1, 2018
	to		to		to		to		to
Line of Business	June 30, 2021		December 31, 2020		June 30, 2020		December 14, 2019		June 30, 2019

Personal Lines:
Homeowners, dwelling fire and
and canine legal liability
Quota share treaty:
Risk retained on intial
$1,000,000 of losses	NA (7)		$	750,000	$	750,000	$	1,000,000	$	900,000
Losses per occurrence subject
to quota share
reinsurance coverage	NA (7)		$	1,000,000	$	1,000,000	None		$	1,000,000
Expiration date			December 31, 2020		December 31, 2020				June 30, 2019
Excess of loss coverage and
facultative facility
coverage (1)	$	8,000,000	$	8,000,000	$	9,000,000	$	9,000,000	$	9,000,000
	in excess of		in excess of		in excess of		in excess of		in excess of
	$	1,000,000	$	1,000,000	$	1,000,000	$	1,000,000	$	1,000,000
Total reinsurance coverage
per occurrence (7)	8,000,000		$	8,250,000	$	9,250,000	$	9,000,000	$	9,100,000
Losses per occurrence subject
to reinsurance coverage	$	8,000,000	$	9,000,000	$	10,000,000	$	10,000,000	$	10,000,000
Expiration date (7)	June 30, 2021		June 30, 2021		June 30, 2020		June 30, 2020		June 30, 2019

Catastrophe Reinsurance:
Initial loss subject to personal
lines quota share treaty	$	NA (7)	$	7,500,000	$	7,500,000	None		$	5,000,000
Risk retained per catastrophe
occurrence (2) (7)	$	10,000,000	$	8,125,000	$	5,625,000	$	7,500,000	$	4,500,000
Catastrophe loss coverage
in excess of
quota share coverage (3) (7)	$	475,000,000	$	475,000,000	$	602,500,000	$	602,500,000	$	445,000,000
Reinstatement premium
protection (4) (5) (6)	Yes		Yes		Yes		Yes		Yes

	Treaty Year
	July 1, 2020			July 1, 2019			July 1, 2018
	to			to			to
Line of Business	June 30, 2021			June 30, 2020			June 30, 2019

Personal Lines:

Personal Umbrella
Quota share treaty:
Percent ceded - first $1,000,000 of coverage		90	%		90	%		90	%
Percent ceded - excess of $1,000,000 of coverage		95	%		100	%		100	%
Risk retained	$	300,000		$	100,000		$	100,000
Total reinsurance coverage per occurrence	$	4,700,000		$	4,900,000		$	4,900,000
Losses per occurrence subject to quota share reinsurance coverage	$	5,000,000		$	5,000,000		$	5,000,000
Expiration date	June 30, 2021			June 30, 2020			June 30, 2019

Commercial Lines:
General liability commercial policies
Quota share treaty	None			None			None
Risk retained	$	750,000		$	750,000		$	750,000
Excess of loss coverage above risk retained	$	3,750,000		$	3,750,000		$	3,750,000
	in excess of			in excess of			in excess of
	$	750,000		$	750,000		$	750,000
Total reinsurance coverage per occurrence	$	3,750,000		$	3,750,000		$	3,750,000
Losses per occurrence subject to reinsurance coverage	$	4,500,000		$	4,500,000		$	4,500,000

Commercial Umbrella
Quota share treaty:	None			None
Percent ceded - first $1,000,000 of coverage								90	%
Percent ceded - excess of $1,000,000 of coverage								100	%
Risk retained							$	100,000
Total reinsurance coverage per occurrence							$	4,900,000
Losses per occurrence subject to quota share reinsurance coverage							$	5,000,000
Expiration date							June 30, 2019