<SEC-DOCUMENT>0001654954-21-012078.txt : 20211112
<SEC-HEADER>0001654954-21-012078.hdr.sgml : 20211112
<ACCEPTANCE-DATETIME>20211112160215
ACCESSION NUMBER:		0001654954-21-012078
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		16
CONFORMED PERIOD OF REPORT:	20211111
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20211112
DATE AS OF CHANGE:		20211112

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			KINGSTONE COMPANIES, INC.
		CENTRAL INDEX KEY:			0000033992
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				362476480
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-01665
		FILM NUMBER:		211403264

	BUSINESS ADDRESS:	
		STREET 1:		15 JOYS LANE
		CITY:			KINGSTON
		STATE:			NY
		ZIP:			12401
		BUSINESS PHONE:		516 374-7600

	MAIL ADDRESS:	
		STREET 1:		15 JOYS LANE
		CITY:			KINGSTON
		STATE:			NY
		ZIP:			12401

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	DCAP GROUP INC
		DATE OF NAME CHANGE:	20050210

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	DCAP GROUP INC/
		DATE OF NAME CHANGE:	19990702

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	EXTECH CORP
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>kins_8k.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?><html xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:currency="http://xbrl.sec.gov/currency/2020-01-31" xmlns="http://www.w3.org/1999/xhtml" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:dei="http://xbrl.sec.gov/dei/2020-01-31" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:us-roles="http://fasb.org/us-roles/2020-01-31" xmlns:country="http://xbrl.sec.gov/country/2020-01-31" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:srt-types="http://fasb.org/srt-types/2020-01-31" xmlns:srt="http://fasb.org/srt/2020-01-31" xmlns:us-gaap="http://fasb.org/us-gaap/2020-01-31" xmlns:kins="http://kins.com/20211111"><head><title>kins_8k.htm</title><!--Document Created by XBRLMaster--><meta http-equiv="Content-Type" content="text/html" /></head><body style="text-align:justify;font:10pt times new roman"><div style='display:none;text-align:justify;font:10pt times new roman;' id='XBRLDIV'><ix:header><ix:hidden><ix:nonNumeric name="dei:EntityCentralIndexKey" contextRef="From2021-11-11to2021-11-11">0000033992</ix:nonNumeric><ix:nonNumeric name="dei:AmendmentFlag" contextRef="From2021-11-11to2021-11-11" format="ixt:booleanfalse">false</ix:nonNumeric></ix:hidden><ix:references><link:schemaRef xlink:type='simple' xlink:href='kins-20211111.xsd'></link:schemaRef></ix:references><ix:resources><xbrli:context id="From2021-11-11to2021-11-11"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000033992</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2021-11-11</xbrli:startDate><xbrli:endDate>2021-11-11</xbrli:endDate></xbrli:period></xbrli:context><xbrli:unit id="USD"><xbrli:measure>iso4217:USD</xbrli:measure></xbrli:unit><xbrli:unit id="Shares"><xbrli:measure>xbrli:shares</xbrli:measure></xbrli:unit><xbrli:unit id="USDPShares"><xbrli:divide><xbrli:unitNumerator><xbrli:measure>iso4217:USD</xbrli:measure></xbrli:unitNumerator><xbrli:unitDenominator><xbrli:measure>xbrli:shares</xbrli:measure></xbrli:unitDenominator></xbrli:divide></xbrli:unit></ix:resources></ix:header></div><table style="font-size:1px;width:100%"><tbody><tr><td style="BORDER-BOTTOM: 5px solid;"></td></tr><tr><td style="BORDER-BOTTOM: 2px solid;"></td></tr></tbody></table><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>UNITED STATES</strong></p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>SECURITIES AND EXCHANGE COMMISSION</strong></p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>WASHINGTON, DC 20549</strong></p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">&#160;&#160;</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong><span style="font-size:18pt">FORM <ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:DocumentType">8-K</ix:nonNumeric></span></strong></p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>CURRENT REPORT</strong></p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">Pursuant to Section 13 or 15(d) of the</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">Securities Exchange Act of 1934</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">Date of Report <strong><ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:DocumentPeriodEndDate" format="ixt:datemonthdayyearen">November 11, 2021</ix:nonNumeric></strong></p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">(Date of earliest event reported)</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><table style="border-spacing:0;font-size:10pt;text-align:left;margin-left:auto;margin-right:auto;width:45%" cellpadding="0"><tbody><tr style="height:15px"><td style="BORDER-BOTTOM: #000000 1px solid;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong><span style="font-size:18pt"><ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:EntityRegistrantName">KINGSTONE COMPANIES, INC.</ix:nonNumeric></span></strong></p></td></tr><tr style="height:15px"><td><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">(Exact Name of Registrant as Specified in Charter)</p></td></tr></tbody></table><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;&#160; </p><table style="border-spacing:0;font-size:10pt;text-align:justify;margin-left:auto;margin-right:auto;width:85%" cellpadding="0"><tbody><tr style="height:15px"><td style="BORDER-BOTTOM: 1px solid;width:30%;vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong><ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:EntityIncorporationStateCountryCode" format="ixt-sec:stateprovnameen">Delaware</ix:nonNumeric></strong></p></td><td style="width:5%;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>&#160;</strong></p></td><td style="BORDER-BOTTOM: 1px solid;width:30%;vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong><ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:EntityFileNumber">0-1665</ix:nonNumeric></strong></p></td><td style="width:5%;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>&#160;</strong></p></td><td style="BORDER-BOTTOM: 1px solid;width:30%;vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong><ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:EntityTaxIdentificationNumber">36-2476480</ix:nonNumeric></strong></p></td></tr><tr style="height:15px"><td style="vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">(State or Other Jurisdiction </p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">of Incorporation)</p></td><td><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">&#160;</p></td><td style="vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">(Commission </p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">File No.)</p></td><td><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p></td><td style="vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">(IRS Employer </p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">Identification Number)</p></td></tr></tbody></table><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><table style="border-spacing:0;font-size:10pt;text-align:justify;margin-left:auto;margin-right:auto;width:85%" cellpadding="0"><tbody><tr style="height:15px"><td style="BORDER-BOTTOM: 1px solid;width:45%;vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong><ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:EntityAddressAddressLine1">15 Joys Lane</ix:nonNumeric>, <ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:EntityAddressCityOrTown">Kingston</ix:nonNumeric>, <ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:EntityAddressStateOrProvince">NY</ix:nonNumeric></strong></p></td><td style="width:10%;"><p style="font-size:10pt;font-family:times new roman;margin:0px">&#160;</p></td><td style="BORDER-BOTTOM: 1px solid;width:45%;vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong><ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:EntityAddressPostalZipCode">12401</ix:nonNumeric></strong></p></td></tr><tr style="height:15px"><td style="vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">(Address of Principal Executive Offices)</p></td><td><p style="font-size:10pt;font-family:times new roman;margin:0px">&#160;</p></td><td style="vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">(Zip Code)</p></td></tr></tbody></table><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">Registrant's telephone number, including area code: <span style="text-decoration:underline"><strong>(<ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:CityAreaCode">845</ix:nonNumeric>) <ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:LocalPhoneNumber">802-7900</ix:nonNumeric></strong></span></p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><table style="border-spacing:0;font-size:10pt;width:100%" cellpadding="0"><tbody><tr style="height:15px"><td style="width:4%;vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:WrittenCommunications" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></p></td><td style="vertical-align:top;"><p style="font-size:10pt;font-family:times new roman;margin:0px">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</p></td></tr><tr style="height:15px"><td style="vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:SolicitingMaterial" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></p></td><td style="vertical-align:top;"><p style="font-size:10pt;font-family:times new roman;margin:0px">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</p></td></tr><tr style="height:15px"><td style="vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:PreCommencementTenderOffer" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></p></td><td style="vertical-align:top;"><p style="font-size:10pt;font-family:times new roman;margin:0px">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</p></td></tr><tr style="height:15px"><td style="vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:PreCommencementIssuerTenderOffer" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></p></td><td style="vertical-align:top;"><p style="font-size:10pt;font-family:times new roman;margin:0px">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</p></td></tr></tbody></table><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Securities registered pursuant to Section 12(b) of the Act:</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><table style="border-spacing:0;font-size:10pt;border-right:#000000 1px solid;border-bottom:#000000 1px solid;text-align:justify;margin-left:auto;margin-right:auto;width:100%" cellpadding="1"><tbody><tr style="height:15px"><td style="border-top:#000000 1px solid;border-left:#000000 1px solid;padding:1px;width:35%;vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">Title of each class</p></td><td style="border-top:#000000 1px solid;padding-bottom:1px;padding-top:1px;padding-left:1px;border-left:#000000 1px solid;padding-right:1px;padding:1px;width:30%;vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">Trading Symbol(s)</p></td><td style="border-top:#000000 1px solid;padding-bottom:1px;padding-top:1px;padding-left:1px;border-left:#000000 1px solid;padding-right:1px;padding:1px;width:35%;vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">Name of each exchange on which registered</p></td></tr><tr style="height:15px"><td style="border-top:#000000 1px solid;padding-bottom:1px;padding-top:1px;padding-left:1px;border-left:#000000 1px solid;padding-right:1px;padding:1px;vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:Security12bTitle">Common Stock, $0.01 par value per share</ix:nonNumeric></p></td><td style="border-top:#000000 1px solid;padding-bottom:1px;padding-top:1px;padding-left:1px;border-left:#000000 1px solid;padding-right:1px;padding:1px;vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:TradingSymbol">KINS</ix:nonNumeric></p></td><td style="border-top:#000000 1px solid;padding-bottom:1px;padding-top:1px;padding-left:1px;border-left:#000000 1px solid;padding-right:1px;padding:1px;vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen">Nasdaq</ix:nonNumeric> Capital Market</p></td></tr></tbody></table><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160; </p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:right;">Emerging growth company <ix:nonNumeric contextRef="From2021-11-11to2021-11-11" name="dei:EntityEmergingGrowthCompany" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;&#160; </p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. &#9744;</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><table style="font-size:1px;width:100%"><tbody><tr><td style="BORDER-BOTTOM: 2px solid;"></td></tr><tr><td style="BORDER-BOTTOM: 5px solid;"></td></tr></tbody></table><table style="border-spacing:0;font:10pt times new roman;width:100%" cellpadding="0"><tbody><tr style="height:15px"><td class="hpbhr">&#160;</td></tr><tr style="height:15px"><td style="TEXT-INDENT: 0px;"></td></tr><tr style="height:15px"><td><p style='page-break-after: always'></p></td></tr><tr style="height:15px"><td>&#160;</td></tr></tbody></table><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><table style="border-spacing:0;font-size:10pt;width:100%" cellpadding="0"><tbody><tr style="height:15px"><td style="width:8%;vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><strong>Item 2.02</strong></p></td><td style="vertical-align:top;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><strong>Results of Operations and Financial Condition</strong>.</p></td></tr></tbody></table><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; TEXT-INDENT: 45px; text-align:justify;">On November 11, 2021, Kingstone Companies, Inc. (the &#8220;Company&#8221;) issued a press release (the &#8220;Press Release&#8221;) announcing its financial results for the fiscal period ended September 30, 2021. The Press Release also announced that the Company&#8217;s Board of Directors has declared a $0.04 per share quarterly dividend payable on December 15, 2021 to stockholders of record at the close of business on November 30, 2021. A copy of the Press Release is furnished as Exhibit 99.1 hereto.</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; TEXT-INDENT: 45px; text-align:justify;">&#160;</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; TEXT-INDENT: 45px; text-align:justify;">The information furnished with this Item 2.02, including Exhibit 99.1, shall not be deemed &#8220;filed&#8221; for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), or otherwise subject to liabilities of that section, nor shall it be deemed incorporated by reference into any other filing under the Securities Act of 1933, as amended, or the Exchange Act, except as expressly set forth by specific reference in such filing.</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><table style="border-spacing:0;font-size:10pt;width:100%" cellpadding="0"><tbody><tr style="height:15px"><td style="width:8%;vertical-align:top;"><p style="font-size:10pt;font-family:times new roman;margin:0px"><strong>Item 9.01</strong></p></td><td style="vertical-align:top;"><p style="font-size:10pt;font-family:times new roman;margin:0px"><strong>Financial Statements and Exhibits</strong>.</p></td></tr></tbody></table><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><table style="border-spacing:0;font-size:10pt;font-variant:normal;font-weight:normal;font-style:normal;text-align:left;line-height:normal;width:100%" cellpadding="0"><tbody><tr style="height:15px"><td><p style="font-size:10pt;font-family:times new roman;margin:0px">(d)</p></td><td colspan="2" style="vertical-align:top;"><p style="font-size:10pt;font-family:times new roman;margin:0px"><span style="text-decoration:underline">Exhibits.</span></p></td></tr><tr style="height:15px"><td style="width:3%;"><p style="font-size:10pt;font-family:times new roman;margin:0px">&#160;</p></td><td style="width:5%;"></td><td><p style="font-size:10pt;font-family:times new roman;margin:0px">&#160;</p></td></tr><tr style="height:15px;background-color:#cceeff"><td><p style="font-size:10pt;font-family:times new roman;margin:0px">&#160;</p></td><td><p style="font-size:10pt;font-family:times new roman;margin:0px"><a href="kins_ex991.htm">99.1 </a></p></td><td><p style="font-size:10pt;font-family:times new roman;margin:0px"><a href="kins_ex991.htm">Press release, dated November 11, 2021, issued by Kingstone Companies, Inc.</a></p></td></tr></tbody></table><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><table style="border-spacing:0;font:10pt times new roman;width:100%" cellpadding="0"><tbody><tr style="height:15px"><td class="hpbhr">&#160;</td></tr><tr style="height:15px"><td style="BORDER-BOTTOM: black 1px solid; TEXT-INDENT: 0px;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">2</p></td></tr><tr style="height:15px"><td><p style='page-break-after: always'></p></td></tr><tr style="height:15px"><td>&#160;</td></tr></tbody></table><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>SIGNATURES</strong></p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; TEXT-INDENT: 45px; text-align:justify;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. </p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><table style="border-spacing:0;font:10pt times new roman;width:100%" cellpadding="0"><tbody><tr style="height:15px"><td>&#160;</td><td colspan="2"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><strong>KINGSTONE COMPANIES, INC.</strong></p></td><td></td></tr><tr style="height:15px"><td style="width:50%;">&#160;</td><td style="width:3%;">&#160;</td><td style="width:35%;">&#160;</td><td style="width:12%;">&#160;</td></tr><tr style="height:15px"><td><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Dated: November 11, 2021 </p></td><td>By:</td><td style="BORDER-BOTTOM: black 1px solid;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">/s/ Barry B. Goldstein</p></td><td></td></tr><tr style="height:15px"><td><p style="font-size:10pt;font-family:times new roman;margin:0px">&#160;</p></td><td><p style="font-size:10pt;font-family:times new roman;margin:0px">&#160;</p></td><td><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Barry B. Goldstein</p></td><td>&#160;</td></tr><tr style="height:15px"><td>&#160;</td><td>&#160;</td><td><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">President and CEO</p></td><td>&#160;</td></tr><tr style="height:15px"><td>&#160;</td><td>&#160;</td><td>&#160;</td><td>&#160;</td></tr></tbody></table><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p><table style="border-spacing:0;font:10pt times new roman;width:100%" cellpadding="0"><tbody><tr style="height:15px"><td class="hpbhr">&#160;</td></tr><tr style="height:15px"><td style="BORDER-BOTTOM: black 1px solid; TEXT-INDENT: 0px;"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">3</p></td></tr></tbody></table><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#160;</p></body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>kins_ex991.htm
<DESCRIPTION>ADDITIONAL EXHIBITS
<TEXT>
<html><head><title>kins_ex991.htm</title><!--Document created using EDGARMaster--></head><body style="TEXT-ALIGN: justify; FONT: 10pt times new roman"><p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:right;"><strong>EXHIBIT 99.1</strong></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <table style="border-spacing:0;font-size:10pt;border-top:#808040 4px solid;border-right:#808040 4px solid;border-bottom:#808040 4px solid;text-align:left;margin-left:auto;border-left:#808040 4px solid;margin-right:auto;width:100%" cellpadding="2"> <tr style="height:15px;background-color:#ffffff"> <td style="border-top:#ffffff 1px solid;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="border-top:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;" colspan="2"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="border-top:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;" colspan="2"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><img src="kins_ex991img2.jpg"></p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px;width:1%; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;width:4%;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;width:1%; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px;background-color:#ffffff"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;" colspan="2"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong><u>FOR IMMEDIATE RELEASE </u></strong></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong><u>Kingstone Announces 2021 Third Quarter</u></strong><strong><u> Financial Results </u></strong></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong><u>Board Declares Quarterly Dividend</u></strong></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:left;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><strong>Kingston, </strong><strong>NY &#8212; November 11, 2021 &#8211; Kingstone Companies, Inc. (Nasdaq: KINS)</strong> (the &#8220;Company&#8221; or &#8220;Kingstone&#8221;), a Northeast regional property and casualty insurance holding company, today announced its financial results for the quarter ended September 30, 2021. The Company will host a conference call for analysts and investors on November 12, 2021, at 8:30 a.m. Eastern Time, as previously announced on October 13, 2021.</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><strong>2021 Third Quarter Financial and Operational Highlights </strong></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><em>(All results are compared to prior year quarterly period unless otherwise noted)</em></p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px"><font style="font-family:symbol">&#183;</font></p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">Loss per share of $(1.01) compared to $(0.12); Operating loss per share<sup>1</sup> of ($1.02) compared to $(0.27)</p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px"><font style="font-family:symbol">&#183;</font></p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">Book value per share of $7.43 down 12.8% from the prior quarter</p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px"><font style="font-family:symbol">&#183;</font></p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">Direct written premiums<sup>1</sup> grew by 6.8% to $48.9 million</p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px"><font style="font-family:symbol">&#183;</font></p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">Net premiums earned increased 33.7% to $36.8 million </p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px"><font style="font-family:symbol">&#183;</font></p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">Net combined ratio increased to 136.4% from 111.9% driven by an increase in the net loss ratio to 97.1% from 73.1%. </p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px"><font style="font-family:symbol">&#183;</font></p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">Net investment income increased 12.2% to $1.7 million </p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px"><font style="font-family:symbol">&#183;</font></p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">Portfolio realignment increases credit quality and maintains limited duration profile</p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px"><font style="font-family:symbol">&#183;</font></p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">88,329 shares repurchased during Q3. Total return to shareholders during Q3 including dividends of $1.4 million or 1.6% of the prior quarter&#8217;s shareholders&#8217; equity. </p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;" colspan="2"> <p style="font-size:10pt;font-family:times new roman;margin:0px">Quarterly Dividend of $0.04 per share</p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;" colspan="2"> <p style="font-size:10pt;font-family:times new roman;margin:0px">The Company announced that its Board of Directors declared a quarterly dividend of $0.04 per share payable on December 15, 2021 to stockholders of record at the close of business on November 30, 2021.</p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;" colspan="2"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;" colspan="2"> <p style="font-size:10pt;font-family:times new roman;margin:0px">__________</p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;" colspan="2"> <p style="font-size:10pt;font-family:times new roman;margin:0px"><sup>1 </sup>These measures are not based on accounting principles generally accepted in the United States (&#8220;GAAP&#8221;) and are defined and reconciled below to the most directly comparable GAAP measures. </p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px;background-color:#ffffff"> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;border-left:#ffffff 1px solid;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;" colspan="2"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="border-right:#ffffff 1px solid;padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px; background-color:#ffffff;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;&nbsp; </p> <table style="border-spacing:0;font:10pt times new roman;width:100%" cellpadding="0"> <tr style="height:15px"> <td class="hpbhr">&nbsp;</td></tr> <tr style="height:15px"> <td style="BORDER-BOTTOM: black 1px solid; TEXT-INDENT: 0px;"></td></tr> <tr style="height:15px"> <td><p style='page-break-after: always'></p></td></tr> <tr style="height:15px"> <td>&nbsp;</td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp; </p> <table style="border-spacing:0;font-size:10pt;border-top:#808040 4px solid;border-right:#808040 4px solid;border-bottom:#808040 4px solid;text-align:left;margin-left:auto;border-left:#808040 4px solid;margin-right:auto;width:100%" cellpadding="2"> <tr style="height:15px"> <td style="padding:2px;width:1%;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p> <p style="font-size:10pt;font-family:times new roman;margin:0px"><strong>Management Commentary</strong></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:left;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:left;">Barry Goldstein, Kingstone&#8217;s Chief Executive Officer, elaborated on the Company&#8217;s results: </p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:left;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#8220;Along with every other shareholder I am disappointed in the results. Even with weather being outside of our control, never before had there been a single calendar quarter with three separate storms each resulting in more than $1 million of loss. These Catastrophe losses and loss adjustment expenses added 33 points to our combined ratio this quarter. Our core losses were higher than expected as well, much of which I believe is a Covid-19 impact.</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">We are a business that&#8217;s been around, collected premiums and paid claims since 1886. We report here on our history, but as a company we are always planning for the future. We analyze and scrutinize in painstaking detail when our results don&#8217;t meet expectations. That is exactly what we are doing now. </p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">At the same time we again call out that we are continuing to see reasonable growth in new higher premium profitable business, primarily due to the restrictive actions taken by some of our competitors. We remain hyper focused on profitability, and we maintain tight underwriting standards. Our new higher rates are rolling on and will increase our earned premium and bring us a much higher average rate level. This bodes well for future profitability. </p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Investment income increased by 12.2% during the quarter. Also of note is that our new fixed income manager has begun to restructure our portfolio, which as of the end of Q3 resulted in a higher average credit quality, better diversification, and little change to our focus on shorter duration securities. </p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">During the quarter we repurchased 88,329 shares, making the total share repurchases during 2021 219,914 shares. We also paid our 42nd consecutive quarterly dividend during Q3.&#8221; </p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Meryl Golden, Kingstone&#8217;s Chief Operating Officer, continued:</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&#8220;The quarter&#8217;s high attritional loss ratio reflects two main factors. First, we have seen a continuation of increased liability claims frequency for the dwelling fire line of business. We reported this increase last quarter across our property lines but fortunately we no longer see this heightened frequency in our homeowner line. Second, we saw an increase in the number of severe fire claims in our homeowner line. Otherwise, the third quarter non-cat loss experience was higher than in 2020 but similar to prior years. </p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Overall, it was a disappointing quarter. However, we continue to believe that we have done and are doing all of the right things to return the company to profitability.&#8221;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:left;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:left;">See &#8220;Forward-Looking Statements&#8221; </p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:left;">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;width:1%;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp; </p> <table style="border-spacing:0;font:10pt times new roman;width:100%" cellpadding="0"> <tr style="height:15px"> <td class="hpbhr">&nbsp;</td></tr> <tr style="height:15px"> <td style="BORDER-BOTTOM: black 1px solid; TEXT-INDENT: 0px;text-align:right;">2</td></tr> <tr style="height:15px"> <td><p style='page-break-after: always'></p></td></tr> <tr style="height:15px"> <td>&nbsp;</td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;&nbsp;&nbsp; </p> <table style="border-spacing:0;border-top:#808040 4px solid;border-right:#808040 4px solid;border-bottom:#808040 4px solid;text-align:left;font:10pt times new roman;margin-left:auto;border-left:#808040 4px solid;margin-right:auto;width:100%" cellpadding="0"> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="10"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="10"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:left;"><strong>Financial Highlights Table</strong></p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="10"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="10"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="10"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="10"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px;background-color:#00ff00"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid; BORDER-LEFT: #000000 0px solid;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;vertical-align:bottom;text-align:center;" colspan="10"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>Three Months Ended</strong></p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;vertical-align:bottom;text-align:center;" colspan="10"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>Nine Months Ended</strong></p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-RIGHT: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px;background-color:#00ff00"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid; BORDER-LEFT: #000000 0px solid;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;vertical-align:bottom;text-align:center;" colspan="10"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>September 30,</strong></p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;vertical-align:bottom;text-align:center;" colspan="10"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>September 30,</strong></p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-RIGHT: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px;background-color:#00ff00"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid; BORDER-LEFT: #000000 0px solid;vertical-align:bottom;"> <p style="margin:0px 0px 0px 0in">($ in thousands except per share data)</p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>2021</strong></p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>2020</strong></p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>% Change</strong></p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="MARGIN: 0px; text-align:center;">&nbsp;</p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="MARGIN: 0px; text-align:center;">&nbsp;</p></td> <td class="hdcell" style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>2021</strong></p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="MARGIN: 0px; text-align:center;">&nbsp;</p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="MARGIN: 0px; text-align:center;">&nbsp;</p></td> <td class="hdcell" style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>2020</strong></p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="MARGIN: 0px; text-align:center;">&nbsp;</p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="MARGIN: 0px; text-align:center;">&nbsp;</p></td> <td class="hdcell" style="BORDER-TOP: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>% Change</strong></p></td> <td style="BORDER-TOP: #000000 0px solid; BORDER-RIGHT: #000000 0px solid; BORDER-BOTTOM: #000000 0px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="width:1%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:44%;vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Direct written premiums<sup>1</sup></p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:6%;vertical-align:bottom;text-align:right;">48,865</td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:6%;vertical-align:bottom;text-align:right;">45,742</td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="width:6%;vertical-align:bottom;text-align:right;">6.8</td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">%</td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:6%;vertical-align:bottom;text-align:right;">131,610</td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:6%;vertical-align:bottom;text-align:right;">125,090</td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="width:6%;vertical-align:bottom;text-align:right;">5.2</td> <td style="width:2%;vertical-align:bottom;white-space: nowrap;">%</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Net written premiums<sup>1</sup></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">41,642</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">29,995</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">38.8</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">109,756</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">81,276</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">35.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Net premiums earned</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">36,803</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">27,521</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">33.7</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">106,829</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">81,099</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">31.7</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Total ceding commission revenue</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(7</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">3,449</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">&nbsp;na </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">37</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">10,760</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-99.7</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Net investment income</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">1,677</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">1,494</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">12.2</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">5,138</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">4,772</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">7.7</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Net gains (losses) on investments</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">205</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">2,108</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-90.3</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">5,480</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(1,639</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td></td> <td> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">&nbsp;na </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">U.S. GAAP Net loss</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(10,618</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(1,228</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-764.7</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(9,606</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(2,064</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-365.4</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">U.S. GAAP Diluted (loss) per share</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(1.01</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(0.12</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-741.7</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(0.90</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(0.19</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-373.7</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Comprehensive (loss) income</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(11,539</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(302</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-3720.9</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(13,279</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">2,185</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td></td> <td> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">&nbsp;na </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Net operating loss <sup>1</sup></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(10,780</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(2,893</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-272.6</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(13,935</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(769</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-1712.1</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Net operating loss<sup>1</sup> per share</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(1.02</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(0.27</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-277.8</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(1.31</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(0.07</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-1771.4</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Return on average equity (annualized)</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-50.6</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-5.5</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td></td> <td> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">-45.1 pts</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-15.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">3.1</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td></td> <td> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">-18.1 pts</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Net loss ratio</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">97.1</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">73.1</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td></td> <td> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">24 pts</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">74.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">60.8</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td></td> <td> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">13.2 pts</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Net underwriting expense ratio</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">39.3</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">38.8</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;"></td> <td style="BORDER-BOTTOM: 1px solid;"> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">0.5 pts</p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">41.0</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">38.9</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;"></td> <td style="BORDER-BOTTOM: 1px solid;"> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">2.1 pts</p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Net combined ratio</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">136.4</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">111.9</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td></td> <td> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">24.5 pts</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">115.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">99.7</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td></td> <td> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">15.3 pts</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Effect of catastrophes and prior year loss</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">development on net combined ratio<sup>1</sup></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td></td> <td> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">33.1 pts</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td></td> <td> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">31.1 pts</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td></td> <td> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">2.0 pts</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td></td> <td> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">11.5 pts</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td></td> <td> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">12.5 pts</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td></td> <td> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">-1.0 pts</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Net combined ratio excluding effect of</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">catastrophes and prior year loss</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">development<sup>1</sup></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">103.3</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">80.8</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td></td> <td> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">22.5 pts</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">103.5</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">87.2</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td></td> <td> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">16.3 pts</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td></td> <td colspan="25" style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">1 These measures are not based on GAAP and are defined and reconciled below to the most directly comparable GAAP measures.</p></td></tr> <tr style="height:15px"> <td></td> <td style="BORDER-BOTTOM: #000000 1px solid;" colspan="24"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td></td> <td colspan="24"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td></td> <td colspan="24"> <p style="font-size:10pt;font-family:times new roman;margin:0px"><strong><u>2021 Third Quarter Financial Review</u></strong></p> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><u><em>Net income:</em><strong> </strong></u></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">There was a net loss of $10.6 million during the three-month period ended September 30, 2021, compared to a net loss of $1.2 million in the prior year period. The increased net loss in the latest three-month period can be attributed to a 24.0 point increase in net loss ratio and a $1.9 million decrease in gains on investments. The net loss ratio was 97.1% for the three-month period ended September 30, 2021, compared to 73.1 % in the prior year period.</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><em><u>Earnings (Loss) per share (&#8220;EPS&#8221;):</u></em></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Kingstone reported a net loss of $(1.01) per diluted share for the three months ended September 30, 2021, compared to a net loss of $(0.12) per diluted share for the three months ended September 30, 2020.&nbsp; EPS for the three-month periods ended September 30, 2021 and 2020 was based on 10.5 million and 10.7 million weighted average diluted shares outstanding, respectively. </p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td colspan="25"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <table style="border-spacing:0;font:10pt times new roman;width:100%" cellpadding="0"> <tr style="height:15px"> <td class="hpbhr">&nbsp;</td></tr> <tr style="height:15px"> <td style="BORDER-BOTTOM: black 1px solid; TEXT-INDENT: 0px;text-align:right;">3</td></tr> <tr style="height:15px"> <td><p style='page-break-after: always'></p></td></tr> <tr style="height:15px"> <td>&nbsp;</td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <table style="border-spacing:0;font-size:10pt;border-top:#808040 4px solid;border-right:#808040 4px solid;border-bottom:#808040 4px solid;text-align:left;margin-left:auto;border-left:#808040 4px solid;margin-right:auto;width:100%" cellpadding="2"> <tr style="height:15px"> <td style="padding:2px;width:1%;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;"> <p style="font-size:10pt;font-family:times new roman;margin:0px"><em><u>Direct Written Premiums,<sup>1</sup> Net Written Premiums<sup>1</sup> and Net Premiums Earned </u></em></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><br>Direct written premiums<sup>1</sup> for the third quarter of 2021 were $48.9 million, an increase of $3.2 million or 6.8% from $45.7 million in the prior year period. The increase is primarily attributable to a $2.4 million increase in premiums from our personal lines business and a $0.8 million increase in livery physical damage as the economy continues to reopen and more drivers return to work. </p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Net written premiums<sup>1</sup> increased 38.8% to $41.6 million during the three-month period ended September 30, 2021 from $30.0 million in the prior year period. The increase in the third quarter was attributable to the exit from the 25% personal lines quota share treaty on December 30, 2020.</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Net premiums earned for the quarter ended September 30, 2021 increased 33.7% to $36.8 million, compared to $27.5 million for the quarter ended September 30, 2020. The increase was attributable to the exit from the 25% personal lines quota share treaty on December 30, 2020, partially offset by the decrease of $0.2 million in commercial lines premiums, a line of business from which the Company completed its run-off in September 2020.</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><em><u>Net Loss Ratio</u></em>:</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">For the quarter ended September 30, 2021, the Company&#8217;s net loss ratio was 97.1%, compared to 73.1% in the prior year period. The loss ratio is higher than the prior year period mainly due to a continuation of increased liability claims frequency for the dwelling fire line of business as well as an increase in the number of severe fire claims in the homeowner line. Otherwise, the third quarter non-cat loss experience was higher than 2020 but similar to prior years. </p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><em><u>Net Underwriting Expense Ratio</u></em>: </p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">For the quarter ended September 30, 2021, the net underwriting expense ratio was 39.3% as compared to 38.8% in the prior year period, an increase of 0.5 percentage points. The 0.5 percentage point increase is primarily attributable to the exit from the 25% personal lines quota share treaty and the decrease in provisional ceding commissions from the prior year quota share. In addition, there was an increase in IT and Professional Services expenses related to Kingstone 2.0 initiatives. </p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;____________________</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><sup>1 </sup>These measures are not based on GAAP and are defined and reconciled below to the most directly comparable GAAP measures. </p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><strong><u>Balance Sheet / Investment Portfolio</u></strong></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Kingstone&#8217;s cash and investment holdings were $246.0 million at September 30, 2021 compared to $222.3 million at September 30, 2020. The Company&#8217;s investment holdings are comprised primarily of investment grade corporate, mortgage-backed and municipal securities, with fixed income investments representing approximately 77.3% of total investments at September 30, 2021 and 81.3% at September 30, 2020. The Company&#8217;s effective duration on its fixed-income portfolio is 4.3 years.</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Net investment income increased 12.2% to $1.7 million for the third quarter of 2021 from $1.5 million in the prior year period. </p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td style="padding-bottom:2px;padding-top:2px;padding-left:2px;padding-right:2px;padding:2px;width:1%;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp; </p> <table style="border-spacing:0;font:10pt times new roman;width:100%" cellpadding="0"> <tr style="height:15px"> <td class="hpbhr">&nbsp;</td></tr> <tr style="height:15px"> <td style="BORDER-BOTTOM: black 1px solid; TEXT-INDENT: 0px;text-align:right;">4</td></tr> <tr style="height:15px"> <td><p style='page-break-after: always'></p></td></tr> <tr style="height:15px"> <td>&nbsp;</td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;&nbsp; </p> <table style="border-spacing:0;border-top:#808040 4px solid;border-right:#808040 4px solid;border-bottom:#808040 4px solid;text-align:left;font:10pt times new roman;margin-left:auto;border-left:#808040 4px solid;margin-right:auto;width:100%" cellpadding="0"> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="21"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p> <p style="font-size:10pt;font-family:times new roman;margin:0px"><u>Accumulated Other Comprehensive Income/Loss (AOCI), net of tax</u></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">As of September 30, 2021, AOCI was $6.2 million compared to $9.0 million at September 30, 2020. The decrease in AOCI at September 30, 2021 of $2.8 million is attributable to the decrease in realized gains and the increase in interest rates since September 30, 2020.</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><strong><u>Share Repurchase Program</u></strong></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Pursuant to the Company&#8217;s share repurchase program announced in March 2021, during the first nine months of 2021, the Company repurchased 216,914 shares at a purchase price of $1,667,109, or an average of $7.69 per share.</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><strong><u>Book Value</u></strong></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">The Company&#8217;s book value per share at September 30, 2021 was $7.43, a decline of 11.2% compared to $8.37 at September 30, 2020 and a decline of 15.0% from the December 31, 2020 amount.</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: #000000 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>30-Sep-21</strong></p></td> <td style="white-space: nowrap;"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>&nbsp;</strong></p></td> <td style="white-space: nowrap;"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>&nbsp;</strong></p></td> <td class="hdcell" style="BORDER-BOTTOM: #000000 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>30-Jun-21</strong></p></td> <td style="white-space: nowrap;"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>&nbsp;</strong></p></td> <td style="white-space: nowrap;"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>&nbsp;</strong></p></td> <td class="hdcell" style="BORDER-BOTTOM: #000000 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>31-Mar-21</strong></p></td> <td style="white-space: nowrap;"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>&nbsp;</strong></p></td> <td style="white-space: nowrap;"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>&nbsp;</strong></p></td> <td class="hdcell" style="BORDER-BOTTOM: #000000 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>31-Dec-20</strong></p></td> <td style="white-space: nowrap;"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>&nbsp;</strong></p></td> <td> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td style="white-space: nowrap;"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>&nbsp;</strong></p></td> <td class="hdcell" style="BORDER-BOTTOM: #000000 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:center;"><strong>30-Sep-20</strong></p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td></tr> <tr style="height:15px;background-color:#ffffff"> <td style="width:1%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:38%;vertical-align:top;"><strong>Book Value Per Share</strong></td> <td style="width:1%;white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:9%;vertical-align:bottom;text-align:right;">7.43</td> <td style="width:1%;white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:9%;vertical-align:bottom;text-align:right;">8.52</td> <td style="width:1%;white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:9%;vertical-align:bottom;text-align:right;">8.34</td> <td style="width:1%;white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:9%;vertical-align:bottom;text-align:right;">8.74</td> <td style="width:1%;white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:9%;vertical-align:bottom;text-align:right;">8.37</td> <td style="width:1%;white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="width:1%;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px;background-color:#ffffff"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px;background-color:#ffffff"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:left;"><em>% Increase from specified period to 9/30/21</em></p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-12.8</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-10.9</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-15.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="font-size:10pt;font-family:times new roman;margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-11.2</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;" colspan="21"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="21"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="21"> <p style="margin:0px"><strong>FOR ADDITIONAL INFORMATION PLEASE VISIT OUR WEBSITE AT WWW.KINGSTONECOMPANIES.COM. </strong></p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;" colspan="21"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="21"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="21"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><strong><u>Conference Call Details</u></strong></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Management will discuss the Company&#8217;s operations and financial results in a conference call on Friday, November 12, 2021, at 8:30 a.m. ET.</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">The dial-in numbers are:</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">(877) 407-3105 (U.S.)</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">(201) 493-6794 (International)</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><strong><u>Accompanying Webcast</u></strong></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">The call will be simultaneously webcast over the Internet via the Kingstone website or by clicking on the conference call link:</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:left;"><strong>Kingstone Companies Q3 2021 Earnings Call Webcast</strong><strong> </strong></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:left;">The webcast will be archived and accessible for approximately 30 days.&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;" colspan="21"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="21"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="21"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><strong><u>Definitions and Non-GAAP Measures</u></strong></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><strong><u>Direct written premiums</u></strong> represent the total premiums charged on policies issued by the Company during the respective fiscal period. <strong><u>Net premiums written</u></strong> are direct written premiums less premiums ceded to reinsurers. Net premiums earned, the GAAP measure most comparable to direct written premiums and net premiums written, are net premiums written that are pro-rata earned during the fiscal period presented. All of the Company&#8217;s policies are written for a twelve-month period. Management uses direct written premiums and net premiums written, along with other measures, to gauge the Company&#8217;s performance and evaluate results. </p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <table style="border-spacing:0;font:10pt times new roman;width:100%" cellpadding="0"> <tr style="height:15px"> <td class="hpbhr">&nbsp;</td></tr> <tr style="height:15px"> <td style="BORDER-BOTTOM: black 1px solid; TEXT-INDENT: 0px;text-align:right;">5</td></tr> <tr style="height:15px"> <td><p style='page-break-after: always'></p></td></tr> <tr style="height:15px"> <td>&nbsp;</td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <table style="border-spacing:0;border-top:#808040 4px solid;border-right:#808040 4px solid;border-bottom:#808040 4px solid;text-align:left;font:10pt times new roman;margin-left:auto;border-left:#808040 4px solid;margin-right:auto;width:100%" cellpadding="0"> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="14"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="14"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="33"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><strong><u>Net operating income (loss)</u></strong><u> </u>- is net income (loss) exclusive of realized investment gains (losses), net of tax. Net income (loss) is the GAAP measure most closely comparable to net operating income (loss). </p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Management uses net operating income (loss) along with other measures to gauge the Company&#8217;s performance and evaluate results, which can be skewed when including realized investment gains (losses), and may vary significantly between periods. Net operating income (loss) is provided as supplemental information, not as a substitute for net income (loss) and does not reflect the Company&#8217;s overall profitability.</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><strong><u>Net combined ratio excluding effect of catastrophes and prior year loss development</u></strong> - is a non-GAAP ratio, which is computed as the difference between GAAP net combined ratio and the effect of catastrophes and prior year loss development on the net combined ratio.</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">We believe that these ratios are useful to investors and they are used by management to reveal the trends in our business that may be obscured by catastrophe losses and prior year loss development. Catastrophe losses cause our loss ratios to vary significantly between periods as a result of their incidence of occurrence and magnitude, and can have a significant impact on the net loss ratio and net combined ratio. Prior year loss development can cause our loss ratio to vary significantly between periods and separating this information allows us to better compare the results for the current accident period over time. We believe these measures are useful for investors to evaluate these components separately and in the aggregate when reviewing our underwriting performance. We also provide them to facilitate a comparison to our outlook on the net combined ratio excluding the effect of catastrophes and prior year loss development. The most directly comparable GAAP measure is the net combined ratio. The net combined ratio excluding the effect of catastrophes and prior year loss development should not be considered a substitute for the net combined ratio and does not reflect the Company&#8217;s net combined ratio. </p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;" colspan="32"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="32"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="32"> <p style="margin:0px"><strong>The table below reconciles direct written premiums and net written premiums to net premiums earned for the periods presented:</strong></p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="14"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="14"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="14" style="vertical-align:bottom;text-align:center;"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>&nbsp;For the Three Months Ended&nbsp;</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="14" style="vertical-align:bottom;text-align:center;"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>&nbsp;For the Nine Months Ended </strong></p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="14"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>&nbsp;September 30,&nbsp;</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: #000000 1px solid;vertical-align:bottom;text-align:center;" colspan="14"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>&nbsp;September 30, </strong></p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: #000000 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>2021</strong></p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: #000000 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>2020</strong></p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>$ Change</strong></p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: #000000 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>%&nbsp; </strong></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>Change</strong></p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>2021</strong></p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: #000000 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>2020</strong></p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: #000000 1px solid;vertical-align:bottom;text-align:center;" colspan="3"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>$ Change</strong></p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>%&nbsp; </strong></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>Change</strong></p></td> <td class="hdcell"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px 0px 0px 0in; text-align:center;">&nbsp;</p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="font-size:10pt;font-family:times new roman;margin:0px 0px 0px 0in">(000&#8217;s except percentages)</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="3"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="font-size:10pt;font-family:times new roman;margin:0px 0px 0px 0in"><strong>Direct and Net Written Premiums Reconciliation:</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="3"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="3"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="width:1%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:26%;vertical-align:top;"> <p style="font-size:10pt;font-family:times new roman;margin:0px 0px 0px 0in"><strong>Direct written premiums</strong></p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:6%;vertical-align:bottom;text-align:right;">48,865</td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:6%;vertical-align:bottom;text-align:right;">45,742</td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:6%;vertical-align:bottom;text-align:right;">3,123</td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="width:6%;vertical-align:bottom;text-align:right;">6.8</td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">%</td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:6%;vertical-align:bottom;text-align:right;">131,610</td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:6%;vertical-align:bottom;text-align:right;">125,090</td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:6%;vertical-align:bottom;text-align:right;">6,520</td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="width:6%;vertical-align:bottom;text-align:right;">5.2</td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">%</td> <td style="width:1%;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="font-size:10pt;font-family:times new roman;margin:0px 0px 0px 0in">Ceded written premiums</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(7,223</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(15,747</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">8,524</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(54.1</td> <td style="vertical-align:bottom;white-space: nowrap;">)%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(21,854</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(43,814</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">21,960</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(50.1</td> <td style="vertical-align:bottom;white-space: nowrap;">)%</td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="font-size:10pt;font-family:times new roman;margin:0px 0px 0px 0in"><strong>Net written premiums</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">41,642</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">29,995</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">11,647</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">38.8</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">109,756</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">81,276</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">28,480</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">35.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="font-size:10pt;font-family:times new roman;margin:0px 0px 0px 0in">Change in unearned premiums</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(4,839</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(2,474</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(2,365</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">95.6</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(2,927</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(177</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(2,750</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">1,553.7</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="font-size:10pt;font-family:times new roman;margin:0px 0px 0px 0in"><strong>Net premiums earned</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;"><strong>36,803</strong></td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;"><strong>27,521</strong></td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;"><strong>9,282</strong></td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;"><strong>33.7</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>%</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;"><strong>106,829</strong></td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;"><strong>81,099</strong></td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;"><strong>25,730</strong></td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;"><strong>31.7</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>%</strong></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;" colspan="32"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp; </p> <table style="border-spacing:0;font:10pt times new roman;width:100%" cellpadding="0"> <tr style="height:15px"> <td class="hpbhr">&nbsp;</td></tr> <tr style="height:15px"> <td style="BORDER-BOTTOM: black 1px solid; TEXT-INDENT: 0px;text-align:right;">6</td></tr> <tr style="height:15px"> <td><p style='page-break-after: always'></p></td></tr> <tr style="height:15px"> <td>&nbsp;</td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;&nbsp;</p> <table style="border-spacing:0;border-top:#808040 4px solid;border-right:#808040 4px solid;border-bottom:#808040 4px solid;text-align:left;font:10pt times new roman;margin-left:auto;border-left:#808040 4px solid;margin-right:auto;width:100%" cellpadding="0"> <tr style="height:15px"> <td colspan="34"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td colspan="34" style="vertical-align:top;"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:left;"><strong>The following table reconciles net operating loss to net loss for the periods indicated:</strong></p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="6"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="6"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="6"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="2"></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="6" style="vertical-align:bottom;text-align:center;"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>&nbsp;Three Months Ended </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="6" style="vertical-align:bottom;text-align:center;"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>&nbsp;Three Months Ended </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="6" style="vertical-align:bottom;text-align:center;"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>&nbsp;Nine Months Ended </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="6" style="vertical-align:bottom;text-align:center;"> <p style="margin:0px"><strong>Nine Months Ended </strong></p></td> <td class="hdcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="6"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>September 30, 2021</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="6"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>September 30, 2020</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="6"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>September 30, 2021</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: #000000 1px solid;vertical-align:bottom;text-align:center;" colspan="6"> <p style="margin:0px"><strong>September 30, 2020</strong>&nbsp;</p></td> <td class="hdcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;">&nbsp;Amount </p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;">Diluted earnings (loss) per common </p> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;">share</p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;">&nbsp;Amount </p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;">Diluted earnings per common share</p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;">&nbsp;Amount </p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;">Diluted earnings (loss) per common </p> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;">share</p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="3"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;">&nbsp;Amount </p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;vertical-align:bottom;"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;">Diluted (loss) earnings per common share</p></td> <td class="hdcell"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">(000&#8217;s except per common share amounts and percentages)</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="3"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Net Loss and Diluted Loss per Common Share Reconciliation:</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="3"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="3"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="width:1%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:26%;vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Net loss</strong></p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;width:1%;vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;width:6%;vertical-align:bottom;text-align:right;"><strong>(10,618</strong></td> <td style="PADDING-BOTTOM: 1px;width:1%;vertical-align:bottom;white-space: nowrap;"><strong>)</strong></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="width:6%;vertical-align:bottom;text-align:right;"><strong>(1.01</strong></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;"><strong>)</strong></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;width:1%;vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;width:6%;vertical-align:bottom;text-align:right;"><strong>(1,228</strong></td> <td style="PADDING-BOTTOM: 1px;width:1%;vertical-align:bottom;white-space: nowrap;"><strong>)</strong></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="width:6%;vertical-align:bottom;text-align:right;"><strong>(0.12</strong></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;"><strong>)</strong></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;width:1%;vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;width:6%;vertical-align:bottom;text-align:right;"><strong>(9,606</strong></td> <td style="PADDING-BOTTOM: 1px;width:1%;vertical-align:bottom;white-space: nowrap;"><strong>)</strong></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="width:6%;vertical-align:bottom;text-align:right;"><strong>(0.90</strong></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;"><strong>)</strong></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;width:1%;vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;width:6%;vertical-align:bottom;text-align:right;"><strong>(2,064</strong></td> <td style="PADDING-BOTTOM: 1px;width:1%;vertical-align:bottom;white-space: nowrap;"><strong>)</strong></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="width:6%;vertical-align:bottom;text-align:right;"><strong>(0.19</strong></td> <td style="width:1%;"> <p style="margin:0px"><strong>)</strong>&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Net realized (gain) loss on investments</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(205</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(2,108</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(5,480</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">1,639</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Less tax (expense) benefit on net realized (gain) loss</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(43</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(443</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(1,151</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">344</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Net realized (gain) loss on investments, net of taxes</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(162</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;"><strong>(0.02</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>)</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(1,665</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;"><strong>(0.16</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>)</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(4,329</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;"><strong>(0.41</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>)</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">1,295</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;"><strong>0.12</strong></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Net operating loss</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;"><strong>(10,780</strong></td> <td style="PADDING-BOTTOM: 3px;vertical-align:bottom;white-space: nowrap;"><strong>)</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;"><strong>(1.02</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>)</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;"><strong>(2,893</strong></td> <td style="PADDING-BOTTOM: 3px;vertical-align:bottom;white-space: nowrap;"><strong>)</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;"><strong>(0.27</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>)</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;"><strong>(13,935</strong></td> <td style="PADDING-BOTTOM: 3px;vertical-align:bottom;white-space: nowrap;"><strong>)</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;"><strong>(1.31</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>)</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;"><strong>(769</strong></td> <td style="PADDING-BOTTOM: 3px;vertical-align:bottom;white-space: nowrap;"><strong>)</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>$</strong></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;"><strong>(0.07</strong></td> <td> <p style="margin:0px"><strong>)</strong>&nbsp;</p></td> <td style="white-space: nowrap;"></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in">Weighted average diluted shares outstanding</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">10,523,515</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">10,673,077</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">10,622,988</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">10,737,853</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td colspan="34" style="vertical-align:top;"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><a name="RANGE!A19"><em>(Components may not sum to totals due to rounding)</em></a></p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="BORDER-BOTTOM: #000000 1px solid;" colspan="34"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td colspan="34"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><strong>&nbsp; </strong></p> <table style="border-spacing:0;font:10pt times new roman;width:100%" cellpadding="0"> <tr style="height:15px"> <td class="hpbhr">&nbsp;</td></tr> <tr style="height:15px"> <td style="BORDER-BOTTOM: black 1px solid; TEXT-INDENT: 0px;text-align:right;">7</td></tr> <tr style="height:15px"> <td><p style='page-break-after: always'></p></td></tr> <tr style="height:15px"> <td>&nbsp;</td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <table style="border-spacing:0;border-top:#808040 4px solid;border-right:#808040 4px solid;border-bottom:#808040 4px solid;text-align:left;font:10pt times new roman;margin-left:auto;border-left:#808040 4px solid;margin-right:auto;width:100%" cellpadding="0"> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="13"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="13"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="29"> <p style="margin:0px"><strong>The following table reconciles the net combined ratio excluding catastrophes and prior year loss development to the net combined ratio for the periods presented:</strong></p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="13"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="13"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="13" style="vertical-align:bottom;text-align:center;"> <p style="MARGIN: 0px; text-align:center;"><strong>For the Three Months Ended </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td class="hdcell" colspan="13" style="vertical-align:bottom;text-align:center;"> <p style="MARGIN: 0px; text-align:center;"><strong>For the Nine Months Ended </strong></p></td> <td> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td> <p style="margin:0px"><strong>&nbsp;</strong></p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td class="hdcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:center;" colspan="13"> <p style="MARGIN: 0px; text-align:center;"><strong>September 30, </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td class="hdcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:center;" colspan="13"> <p style="MARGIN: 0px; text-align:center;"><strong>September 30, </strong></p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px; text-align:center;"><strong>2021</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td class="hdcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px; text-align:center;"><strong>2020</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td class="hdcell" style="BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:center;" colspan="5"> <p style="MARGIN: 0px; text-align:center;"><strong>Percentage Point Change</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td class="hdcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px; text-align:center;"><strong>2021</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td class="hdcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px; text-align:center;"><strong>2020</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;" colspan="5"> <p style="MARGIN: 0px; text-align:center;"><strong>Percentage Point Change</strong></p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell"> <p style="MARGIN: 0px; text-align:center;">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"><strong>Net Combined Ratio Excluding Catastrophes and Prior Year Development Reconciliation:</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="width:1%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:29%;vertical-align:top;"><strong>Net Combined Ratio Excluding Catastrophes and Prior Year Development</strong></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;width:6%;vertical-align:bottom;text-align:right;"><strong>103.3</strong></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;"><strong>%</strong></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;width:6%;vertical-align:bottom;text-align:right;"><strong>80.8</strong></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;"><strong>%</strong></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;width:6%;vertical-align:bottom;text-align:right;"><strong>22.5</strong></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:6%;vertical-align:bottom;"><strong>pts </strong></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;width:6%;vertical-align:bottom;text-align:right;"><strong>103.5</strong></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;"><strong>%</strong></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;width:6%;vertical-align:bottom;text-align:right;"><strong>87.2</strong></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;"><strong>%</strong></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;width:6%;vertical-align:bottom;text-align:right;"><strong>16.3</strong></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:6%;vertical-align:bottom;"><strong>pts </strong></td> <td style="width:1%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;">Effect of catastrophe losses and prior year development</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px 0px 0px 15px; text-align:left;">Catastrophe losses</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">33.1</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">31.5</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">1.6</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td>pts </td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">11.5</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">12.8</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(1.3</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td>pts </td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px 0px 0px 15px; text-align:left;">Prior year development</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:right;">0.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:right;">-0.4</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:right;">0.4</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td>pts </td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:right;">0.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:right;">-0.3</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:right;">0.3</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td>pts </td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px 0px 0px 15px; text-align:left;">Effect of catastrophe losses and prior year development on net loss and loss adjustment expenses</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">33.1</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">31.1</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">2.0</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td>pts </td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">11.5</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">12.5</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(1.0</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td>pts </td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px 0px 0px 15px; text-align:left;">Net underwriting expense ratio</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">0.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">0.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td>pts </td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">0.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">0.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td>pts </td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px 0px 0px 15px; text-align:left;">Total effect of catastrophe losses and prior year development</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 0.5pt solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:right;">33.1</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 0.5pt solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:right;">31.1</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 0.5pt solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:right;">2.0</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td>pts </td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 0.5pt solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:right;">11.5</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 0.5pt solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:right;">12.5</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 0.5pt solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:right;">(1.0</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td>pts </td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"><strong>Net combined ratio</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;vertical-align:bottom;text-align:right;"><strong>136.4</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>%</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;vertical-align:bottom;text-align:right;"><strong>111.9</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>%</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;vertical-align:bottom;text-align:right;"><strong>24.5</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td><strong>pts </strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;vertical-align:bottom;text-align:right;"><strong>115.0</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>%</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;vertical-align:bottom;text-align:right;"><strong>99.7</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>%</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;vertical-align:bottom;text-align:right;"><strong>15.3</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td><strong>pts </strong></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: #000000 1px solid;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: #000000 1px solid;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: #000000 1px solid;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: #000000 1px solid;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: #000000 1px solid;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: #000000 1px solid;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: #000000 1px solid;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: #000000 1px solid;"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="29"> <p style="margin:0px"><strong>The following table reconciles the net combined ratio excluding catastrophes to the net combined ratio for the periods presented:</strong></p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td colspan="13"> <p style="MARGIN: 0px; text-align:center;"> <p style="MARGIN: 0px; text-align:center;"><strong>For the Three Months Ended</strong></p></td> <td></td> <td colspan="13"> <p style="MARGIN: 0px; text-align:center;"><strong>For the Nine Months Ended</strong></p></td> <td></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;" colspan="13"> <p style="MARGIN: 0px; text-align:center;"> <p style="MARGIN: 0px; text-align:center;"><strong>September 30,</strong></p></td> <td></td> <td style="BORDER-BOTTOM: #000000 1px solid;" colspan="13"> <p style="MARGIN: 0px; text-align:center;"><strong>September 30,</strong></p></td> <td></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;" colspan="2"> <p style="MARGIN: 0px; text-align:center;"><strong>2021</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;" colspan="2"> <p style="MARGIN: 0px; text-align:center;"><strong>2020</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td style="BORDER-BOTTOM: 0.5pt solid;" colspan="5"> <p style="MARGIN: 0px; text-align:center;"> <p style="MARGIN: 0px; text-align:center;"><strong>Percentage Point Change</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 0.5pt solid;" colspan="2"> <p style="MARGIN: 0px; text-align:center;"><strong>2021</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td style="BORDER-BOTTOM: #000000 1px solid;" colspan="2"> <p style="MARGIN: 0px; text-align:center;"><strong>2020</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px"><strong>&nbsp;</strong></p></td> <td style="BORDER-BOTTOM: #000000 1px solid;" colspan="5"> <p style="MARGIN: 0px; text-align:center;"><strong>Percentage Point Change</strong></p></td> <td></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"><strong>Net Combined Ratio Excluding Catastrophes Reconciliation:</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"><strong>Net Combined Ratio Excluding Catastrophes</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;"><strong>103.3</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>%</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;"><strong>80.4</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>%</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;"><strong>22.9</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td><strong>pts </strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;"><strong>103.5</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>%</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;"><strong>86.9</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>%</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;"><strong>16.6</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td><strong>pts </strong></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px; text-align:left;">Catastrophe losses</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:right;">33.1</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:right;">31.5</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:right;">1.6</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td>pts </td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:right;">11.5</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:right;">12.8</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 0.5pt solid;vertical-align:bottom;text-align:right;">(1.3</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td>pts </td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"><strong>Net combined ratio</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;vertical-align:bottom;text-align:right;"><strong>136.4</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>%</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;vertical-align:bottom;text-align:right;"><strong>111.9</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>%</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;vertical-align:bottom;text-align:right;"><strong>24.5</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td><strong>pts </strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;vertical-align:bottom;text-align:right;"><strong>115.0</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>%</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;vertical-align:bottom;text-align:right;"><strong>99.7</strong></td> <td style="vertical-align:bottom;white-space: nowrap;"><strong>%</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-TOP: medium none; BORDER-BOTTOM: 2pt double;vertical-align:bottom;text-align:right;"><strong>15.3</strong></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td><strong>pts </strong></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: #000000 1px solid;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: #000000 1px solid;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: #000000 1px solid;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: #000000 1px solid;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: #000000 1px solid;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: #000000 1px solid;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: #000000 1px solid;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: #000000 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: #000000 1px solid;"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <table style="border-spacing:0;font:10pt times new roman;width:100%" cellpadding="0"> <tr style="height:15px"> <td class="hpbhr">&nbsp;</td></tr> <tr style="height:15px"> <td style="BORDER-BOTTOM: black 1px solid; TEXT-INDENT: 0px;text-align:right;">8</td></tr> <tr style="height:15px"> <td><p style='page-break-after: always'></p></td></tr> <tr style="height:15px"> <td>&nbsp;</td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;&nbsp; </p> <table style="border-spacing:0;border-top:#808040 4px solid;border-right:#808040 4px solid;border-bottom:#808040 4px solid;text-align:left;font:10pt times new roman;margin-left:auto;border-left:#808040 4px solid;margin-right:auto;width:100%" cellpadding="0"> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="6"></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="6"></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td></td> <td colspan="17" style="vertical-align:bottom;"> <p style="MARGIN: 0px; text-align:justify;"><strong>The following table summarizes gross and net written premiums, net premiums earned, net loss and loss adjustment expenses and net loss ratio by major product type, which were determined based primarily on similar economic characteristics and risks of loss.</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="6"></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="6"></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="6" style="vertical-align:bottom;text-align:center;"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>For the Three Months Ended </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="6" style="vertical-align:bottom;text-align:center;"> <p style="margin:0px"><strong>For the Nine Months Ended </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: #000000 1px solid;vertical-align:bottom;text-align:center;" colspan="6"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>September 30, </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: #000000 1px solid;vertical-align:bottom;text-align:center;" colspan="6"> <p style="margin:0px"><strong>September 30, </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: #000000 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>2021 </strong></p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: #000000 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>2020 </strong></p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>2021 </strong></p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: #000000 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px; text-align:center;"><strong>2020</strong></p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px"><strong>Gross premiums written: </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Personal lines(3) </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">45,984,939</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">43,640,603</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">124,593,302</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">119,598,207</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Livery physical damage </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">2,813,571</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">2,045,746</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">6,836,999</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">5,466,552</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Other(1) </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">66,659</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">62,664</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">180,485</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">192,395</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px 0px 0px 15px">Total without commercial lines </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">48,865,169</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">45,749,013</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">131,610,786</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">125,257,154</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Commercial lines (in run-off effective July 2019)(2) </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">-</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(6,848</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(856</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(167,583</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px 0px 0px 15px">Total gross premiums written </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">48,865,169</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">45,742,165</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">131,609,930</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">125,089,571</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="width:1%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:4%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:46%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="width:9%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="width:9%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="width:9%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="width:9%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:2%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px"><strong>Net premiums written: </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Personal lines(3) </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">38,762,235</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">27,916,850</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">102,741,368</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">76,231,996</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Livery physical damage </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">2,813,571</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">2,045,746</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">6,836,999</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">5,466,552</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Other(1) </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">65,837</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">50,625</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">178,021</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">151,783</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px 0px 0px 15px">Total without commercial lines </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">41,641,643</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">30,013,221</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">109,756,388</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">81,850,331</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Commercial lines (in run-off effective July 2019)(2) </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">-</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(18,271</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(856</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(574,228</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px 0px 0px 15px">Total net premiums written </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">41,641,643</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">29,994,950</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">109,755,532</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">81,276,103</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px"><strong>Net premiums earned: </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Personal lines(3) </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">34,715,708</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">25,220,883</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">101,054,415</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">71,434,757</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Livery physical damage </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">2,028,786</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">2,014,458</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">5,598,605</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">6,803,475</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Other(1) </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">58,757</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">49,939</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">176,731</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">149,087</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px 0px 0px 15px">Total without commercial lines </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">36,803,251</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">27,285,280</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">106,829,751</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">78,387,319</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Commercial lines (in run-off effective July 2019)(2) </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">-</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">235,801</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(856</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">2,712,068</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px 0px 0px 15px">Total net premiums earned </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">36,803,251</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">27,521,081</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">106,828,895</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">81,099,387</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px"><strong>Net loss and loss adjustment expenses(4): </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Personal lines </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">32,958,728</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">18,657,325</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">72,353,668</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">41,810,950</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Livery physical damage </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">1,766,989</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">648,520</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">3,469,465</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">1,798,210</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Other(1) </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">180,995</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">29,104</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">434,816</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">5,465</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Unallocated loss adjustment expenses </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">867,675</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">827,031</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">2,783,547</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">2,839,359</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px 0px 0px 15px">Total without commercial lines </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">35,774,387</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">20,161,980</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">79,041,496</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">46,453,984</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Commercial lines (in run-off effective July 2019)(2) </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(34,152</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(44,005</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">18,621</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">2,863,443</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px 0px 0px 15px">Total net loss and loss adjustment expenses </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">35,740,235</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">20,117,975</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">79,060,117</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">49,317,427</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px"><strong>Net loss ratio(4):</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Personal lines</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">94.9</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">74.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">71.6</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">58.5</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Livery physical damage</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">87.1</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">32.2</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">62.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">26.4</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Other(1)</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">308.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">58.3</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">246.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">3.7</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px 0px 0px 15px">Total without commercial lines</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">97.2</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">73.9</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">74.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">59.3</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px">Commercial lines (in run-off effective July 2019)(2) </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;">na</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-18.7</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">74.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">105.6</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="2"> <p style="margin:0px 0px 0px 15px">Total </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">97.1</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">73.1</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">74.0</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">60.8</td> <td style="vertical-align:bottom;white-space: nowrap;">%</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td></td> <td style="vertical-align:top;">1.</td> <td colspan="16"> <p style="MARGIN: 0px; text-align:justify;">&#8220;Other&#8221; includes, among other things, premiums and loss and loss adjustment expenses from our participation in a mandatory state joint underwriting association and loss and loss adjustment expenses from commercial auto.</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">2.</p></td> <td colspan="16"> <p style="margin:0px">In July 2019, the Company decided that it will no longer underwrite Commercial Liability risks. See discussions above regarding the discontinuation of this line of business. </p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">3.&nbsp;</p></td> <td colspan="16"> <p style="margin:0px">See discussion with regard to &#8220;Direct Written Premiums, Net Written Premiums and Net Premiums Earned&#8221; above.</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">4.&nbsp;</p></td> <td colspan="16"> <p style="margin:0px">See discussions above with regard to &#8220;Net Loss Ratio&#8221;.</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="16"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp; </p> <table style="border-spacing:0;font:10pt times new roman;width:100%" cellpadding="0"> <tr style="height:15px"> <td class="hpbhr">&nbsp;</td></tr> <tr style="height:15px"> <td style="BORDER-BOTTOM: black 1px solid; TEXT-INDENT: 0px;text-align:right;">9</td></tr> <tr style="height:15px"> <td><p style='page-break-after: always'></p></td></tr> <tr style="height:15px"> <td>&nbsp;</td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <table style="border-spacing:0;border-top:#808040 4px solid;border-right:#808040 4px solid;border-bottom:#808040 4px solid;text-align:left;font:10pt times new roman;margin-left:auto;border-left:#808040 4px solid;margin-right:auto;width:100%" cellpadding="0"> <tr style="height:15px"> <td colspan="18"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td colspan="18" style="vertical-align:top;"> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;"><a name="RANGE!A1:E50"><strong>KINGSTONE COMPANIES, INC. AND SUBSIDIARIES&nbsp; &nbsp;</strong></a></p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="2"></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="2"></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="2"></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="2"></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td></td> <td style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;" colspan="16"> <p style="margin:0px 0px 0px 0in"><strong>Condensed Consolidated Statements of Operations and Comprehensive Income (Loss) (Unaudited)</strong></p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="6" style="vertical-align:bottom;text-align:center;"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>For the Three Months Ended</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="6" style="vertical-align:bottom;text-align:center;"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>For the Nine Months Ended</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="6"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>September 30,</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="6"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>September 30,</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>2021</strong></p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>2020</strong></p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>2021</strong></p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>2020</strong></p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Revenues </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="width:1%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:50%;vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Net premiums earned </p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:9%;vertical-align:bottom;text-align:right;">36,803,251</td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:9%;vertical-align:bottom;text-align:right;">27,521,081</td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:9%;vertical-align:bottom;text-align:right;">106,828,895</td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:9%;vertical-align:bottom;text-align:right;">81,099,387</td> <td style="width:2%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Ceding commission revenue </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(7,276</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">3,448,774</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">37,400</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">10,760,087</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Net investment income </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">1,676,596</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">1,494,086</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">5,137,867</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">4,771,936</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Net gains (losses) on investments </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">204,534</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">2,107,876</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">5,480,202</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(1,638,674</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Other income </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">280,869</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">250,654</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">577,261</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">772,672</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:20pt">Total revenues </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">38,957,974</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">34,822,471</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">118,061,625</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">95,765,408</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Expenses </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Loss and loss adjustment expenses </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">35,740,235</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">20,117,975</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">79,060,117</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">49,317,427</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Commission expense </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">8,201,935</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">8,036,298</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">24,711,115</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">23,652,765</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Other underwriting expenses </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">6,562,743</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">6,346,846</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">19,722,705</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">19,434,110</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Other operating expenses </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">855,499</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">1,038,453</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">3,141,077</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">3,364,483</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Depreciation and amortization </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">820,091</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">710,181</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">2,480,085</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">2,070,435</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Interest expense </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">456,545</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">456,545</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">1,369,635</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">1,369,635</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:20pt">Total expenses </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">52,637,048</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">36,706,298</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">130,484,734</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">99,208,855</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Loss before taxes </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(13,679,074</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(1,883,827</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(12,423,109</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(3,443,447</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Income tax benefit </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(3,060,809</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(655,971</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(2,817,108</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(1,379,578</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Net loss </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(10,618,265</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(1,227,856</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(9,606,001</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(2,063,869</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Other comprehensive (loss) income, net of tax </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Gross change in unrealized (losses) gains on available-for-sale-securities </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(829,297</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">1,778,478</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(3,578,413</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">5,938,600</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Reclassification adjustment for gains included in net loss </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(335,669</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(606,969</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(1,071,439</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(560,696</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:30pt">Net change in unrealized (losses) gains </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(1,164,966</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">1,171,509</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">(4,649,852</td> <td style="vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">5,377,904</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Income tax benefit (expense) related to items of other comprehensive (loss) income </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">244,643</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(246,017</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">976,470</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(1,129,359</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Other comprehensive (loss) income, net of tax </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(920,323</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">925,492</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(3,673,382</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">4,248,545</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Comprehensive (loss) income </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">(11,538,588</td> <td style="PADDING-BOTTOM: 3px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">(302,364</td> <td style="PADDING-BOTTOM: 3px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">(13,279,383</td> <td style="PADDING-BOTTOM: 3px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">2,184,676</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Loss per common share:</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Basic</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">(1.01</td> <td style="PADDING-BOTTOM: 3px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">(0.12</td> <td style="PADDING-BOTTOM: 3px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">(0.90</td> <td style="PADDING-BOTTOM: 3px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">(0.19</td> <td style="PADDING-BOTTOM: 3px;vertical-align:bottom;white-space: nowrap;">)</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Diluted</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">(1.01</td> <td style="PADDING-BOTTOM: 3px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">(0.12</td> <td style="PADDING-BOTTOM: 3px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">(0.90</td> <td style="PADDING-BOTTOM: 3px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">(0.19</td> <td style="PADDING-BOTTOM: 3px;vertical-align:bottom;white-space: nowrap;">)</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Weighted average common shares outstanding</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Basic</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">10,523,515</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">10,673,077</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">10,622,988</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">10,737,853</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Diluted</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">10,523,515</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">10,673,077</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">10,622,988</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">10,737,853</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Dividends declared and paid per common share</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">0.0400</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">0.0400</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">0.1200</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">0.1425</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <table style="border-spacing:0;font:10pt times new roman;width:100%" cellpadding="0"> <tr style="height:15px"> <td class="hpbhr">&nbsp;</td></tr> <tr style="height:15px"> <td style="BORDER-BOTTOM: black 1px solid; TEXT-INDENT: 0px;text-align:right;">10</td></tr> <tr style="height:15px"> <td><p style='page-break-after: always'></p></td></tr> <tr style="height:15px"> <td>&nbsp;</td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <table style="border-spacing:0;border-top:#808040 4px solid;border-right:#808040 4px solid;border-bottom:#808040 4px solid;text-align:left;font:10pt times new roman;margin-left:auto;border-left:#808040 4px solid;margin-right:auto;width:100%" cellpadding="0"> <tr style="height:15px"> <td colspan="10"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td colspan="10" style="vertical-align:top;"> <p style="MARGIN: 0px 0px 0px 0in; text-align:right;"><a name="RANGE!A1:C50"><strong>KINGSTONE COMPANIES, INC. AND SUBSIDIARIES&nbsp; &nbsp;</strong></a></p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;"> <p style="margin:0px 0px 0px 0in"><strong>Condensed Consolidated Balance Sheets</strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;" colspan="2"></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;" colspan="2"></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="2" style="vertical-align:bottom;text-align:center;"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>&nbsp;September 30, </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="2" style="vertical-align:bottom;text-align:center;"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>&nbsp;December 31, </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>2021</strong></p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:center;" colspan="2"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;"><strong>2020</strong></p></td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="2" style="vertical-align:bottom;text-align:center;"> <p style="MARGIN: 0px 0px 0px 0in; text-align:center;">&nbsp;(unaudited) </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="hdcell" colspan="2"></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Assets </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" colspan="2"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td style="width:1%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:74%;vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Fixed-maturity securities, held-to-maturity, at amortized cost (fair value of&nbsp; $9,699,504 at September 30, 2021 and $8,194,824 at December 31, 2020) </p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:9%;vertical-align:bottom;text-align:right;">9,166,983</td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="width:9%;vertical-align:bottom;text-align:right;">7,368,815</td> <td style="width:2%;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Fixed-maturity securities, available-for-sale, at fair value (amortized cost of&nbsp; $145,452,017 at September 30, 2021 and $145,045,584 at December 31, 2020) </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">153,289,242</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">157,549,272</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Equity securities, at fair value (cost of $37,545,241 at September 30, 2021 and $32,571,166 at December 31, 2020) </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">40,060,872</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">34,413,313</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Other investments </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">7,379,111</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">3,518,626</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:20pt">Total investments </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">209,896,208</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">202,850,026</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Cash and cash equivalents </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">36,108,088</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">19,463,742</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Premiums receivable, net </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">11,309,319</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">11,819,639</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Reinsurance receivables, net </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">22,962,014</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">45,460,729</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Deferred policy acquisition costs </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">21,261,916</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">20,142,515</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Intangible assets </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">500,000</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">500,000</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Property and equipment, net </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">8,526,162</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">8,083,123</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Other assets </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">9,662,834</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">9,262,493</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Total assets </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">320,226,541</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">317,582,267</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Liabilities </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Loss and loss adjustment expense reserves </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">101,044,118</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">82,801,228</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Unearned premiums </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">92,653,778</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">90,009,272</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Advance premiums </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">5,325,514</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">2,660,354</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Reinsurance balances payable </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">4,266,092</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">6,979,735</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Deferred ceding commission revenue </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">87,846</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">93,519</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Accounts payable, accrued expenses and other liabilities </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">8,700,342</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">8,433,233</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Deferred income taxes, net </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">537,848</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">4,156,913</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Long-term debt, net </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">29,779,746</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">29,647,611</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Total liabilities </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">242,395,284</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">224,781,865</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Commitments and Contingencies (Note 11) </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Stockholders' Equity </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 15px">Preferred stock, $.01 par value; authorized 2,500,000 shares </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">-</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 15px">Common stock, $.01 par value; authorized 20,000,000 shares; issued 11,947,619 shares at September 30, 2021 and 11,871,307 shares at December 31, 2020; outstanding 10,476,213 shares at September 30, 2021 and 10,616,815 shares at December 31, 2020 </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">119,476</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">118,713</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Capital in excess of par </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">72,025,035</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">70,769,165</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Accumulated other comprehensive income </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">6,206,680</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">9,880,062</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Retained earnings </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">5,047,547</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">15,928,345</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">83,398,738</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="vertical-align:bottom;text-align:right;">96,696,285</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in;text-indent:10pt">Treasury stock, at cost, 1,471,406 shares at September 30, 2021 and 1,196,109 shares at December 31, 2020 </p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(5,567,481</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">(3,895,883</td> <td style="PADDING-BOTTOM: 1px;vertical-align:bottom;white-space: nowrap;">)</td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Total stockholders' equity </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">77,831,257</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 1px solid;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell" style="BORDER-BOTTOM: 1px solid;vertical-align:bottom;text-align:right;">92,800,402</td> <td style="PADDING-BOTTOM: 1px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px 0px 0px 0in"><strong>Total liabilities and stockholders' equity </strong></p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">320,226,541</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td> <td style="BORDER-BOTTOM: 3px double;vertical-align:bottom;white-space: nowrap;">$</td> <td class="ffcell" style="BORDER-BOTTOM: 3px double;vertical-align:bottom;text-align:right;">317,582,267</td> <td style="PADDING-BOTTOM: 3px;white-space: nowrap;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td class="ffcell"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <table style="border-spacing:0;font:10pt times new roman;width:100%" cellpadding="0"> <tr style="height:15px"> <td class="hpbhr">&nbsp;</td></tr> <tr style="height:15px"> <td style="BORDER-BOTTOM: black 1px solid; TEXT-INDENT: 0px;text-align:right;">11</td></tr> <tr style="height:15px"> <td><p style='page-break-after: always'></p></td></tr> <tr style="height:15px"> <td>&nbsp;</td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;&nbsp; </p> <table style="border-spacing:0;font-size:10pt;border-top:#808040 4px solid;border-right:#808040 4px solid;font-variant:normal;border-bottom:#808040 4px solid;font-weight:normal;font-style:normal;text-align:left;margin-left:auto;border-left:#808040 4px solid;line-height:normal;margin-right:auto;width:100%" cellpadding="0"> <tr style="height:15px"> <td style="width:1%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:4%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:4%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:90%;"> <p style="margin:0px">&nbsp;</p></td> <td style="width:1%;"> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="3"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><strong><u>About Kingstone Companies, Inc.</u></strong></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Kingstone is a northeast regional property and casualty insurance holding company whose principal operating subsidiary is Kingstone Insurance Company (&#8220;KICO&#8221;). KICO is a New York domiciled carrier writing business through retail and wholesale agents and brokers. KICO offers primarily personal lines insurance products in New York, New Jersey, Rhode Island, Massachusetts, and Connecticut. Kingstone is also licensed in Pennsylvania, New Hampshire and Maine.</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><strong><u>Forward-Looking Statements</u></strong></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Statements in this press release may contain &#8220;forward-looking statements&#8221; within the meaning of the Private Securities Litigation Reform Act of 1995. All statements, other than statements of historical facts, may be forward-looking statements. These statements are based on management&#8217;s current expectations and are subject to uncertainty and changes in circumstances. These statements involve risks and uncertainties that could cause actual results to differ materially from those included in forward-looking statements due to a variety of factors. For more details on factors that could affect expectations, see Part I, Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2020 filed with the Securities and Exchange Commission under &#8220;Factors That May Affect Future Results and Financial Condition.&#8221; These risks and uncertainties include, without limitation, the following:</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="margin:0px"><font style="font-family:symbol">&#183;</font></p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px; text-align:justify;">As a property and casualty insurer, we may face significant losses from catastrophes and severe weather events.</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td> <p style="MARGIN: 0px; TEXT-INDENT: 30px; text-align:justify;">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px; text-align:justify;"><font style="font-family:symbol">&#183;</font></p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px; text-align:justify;">Unanticipated increases in the severity or frequency of claims may adversely affect our operating results and financial condition.</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td> <p style="MARGIN: 0px; TEXT-INDENT: 30px; text-align:justify;">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px; text-align:justify;"><font style="font-family:symbol">&#183;</font></p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px; text-align:justify;">We are exposed to significant financial and capital markets risk which may adversely affect our results of operations, financial condition and liquidity, and our net investment income can vary from period to period.</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td> <p style="MARGIN: 0px; TEXT-INDENT: 30px; text-align:justify;">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px; text-align:justify;"><font style="font-family:symbol">&#183;</font></p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px; text-align:justify;">The insurance industry is subject to extensive regulation that may affect our operating costs and limit the growth of our business, and changes within this regulatory environment may adversely affect our operating costs and limit the growth of our business.</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td> <p style="MARGIN: 0px; TEXT-INDENT: 30px; text-align:justify;">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px; text-align:justify;"><font style="font-family:symbol">&#183;</font></p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px; text-align:justify;">Changing climate conditions may adversely affect our financial condition, profitability or cash flows.</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td> <p style="MARGIN: 0px; TEXT-INDENT: 30px; text-align:justify;">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px; text-align:justify;"><font style="font-family:symbol">&#183;</font></p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px; text-align:justify;">Because a significant portion of our revenue is currently derived from sources located in New York, our business may be adversely affected by conditions in such state.</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td> <p style="MARGIN: 0px; TEXT-INDENT: 30px; text-align:justify;">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px; text-align:justify;"><font style="font-family:symbol">&#183;</font></p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px; text-align:justify;">We are highly dependent on a relatively small number of insurance brokers for a large portion of our revenues.</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td> <p style="MARGIN: 0px; TEXT-INDENT: 30px; text-align:justify;">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px; text-align:justify;"><font style="font-family:symbol">&#183;</font></p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px; text-align:justify;">Actual claims incurred may exceed current reserves established for claims, which may adversely affect our operating results and financial condition.</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td> <p style="MARGIN: 0px; TEXT-INDENT: 30px; text-align:justify;">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="MARGIN: 0px; text-align:justify;">&nbsp;</p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px; text-align:justify;"><font style="font-family:symbol">&#183;</font></p></td> <td style="vertical-align:top;"> <p style="MARGIN: 0px; text-align:justify;">We rely on our information technology and telecommunication systems, and the failure of these systems could materially and adversely affect our business.</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="3"> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Kingstone undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law.</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">CONTACT: </p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;"><strong><u>Kingstone Companies, Inc.</u></strong><strong> </strong></p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Amanda M. Goldstein </p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">Investor Relations Director </p> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">(516) 960-1319 </p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr> <tr style="height:15px"> <td> <p style="margin:0px">&nbsp;</p></td> <td colspan="3"> <p style="margin:0px">&nbsp;</p></td> <td> <p style="margin:0px">&nbsp;</p></td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p> <table style="border-spacing:0;font:10pt times new roman;width:100%" cellpadding="0"> <tr style="height:15px"> <td class="hpbhr">&nbsp;</td></tr> <tr style="height:15px"> <td style="BORDER-BOTTOM: black 1px solid; TEXT-INDENT: 0px;text-align:right;">12</td></tr></table> <p style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; text-align:justify;">&nbsp;</p><body>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>kins_ex991img2.jpg
<DESCRIPTION>IMAGE
<TEXT>
begin 644 kins_ex991img2.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  4$! 0$ P4$! 0&!04&" T(" <'
M"! +# D-$Q 4$Q(0$A(4%QT9%!8<%A(2&B,:'!X?(2$A%!DD)R0@)AT@(2#_
MVP!# 04&!@@'" \(" \@%1(5(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @("#_P  1" !( 5\# 2(  A$! Q$!_\0
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M_7-?Y4#PM6564I,M44451Z 4444 %%%% !1110 4444 %%%% !1110 4444
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M_@*]:_:#_P"2!^(O^W?_ -*(Z\2_9GUS3/#>C^-M:UB\2SL;9+1I)'Z#_6X
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M'\XQWMC(")+63.#(@/0CN.C#WP:^V-+U33]:TNVU+2[Q+RSN4$D4T1RKJ?\
M/3J*\M^,GP;LOB%IS:MI"1VWB:V3]W(?E6[4=(W/KZ-VZ'CI\\_"_P"*&O?"
M?Q/-X?\ $%O<_P!C^<4O+&12)+5^AD0'H?4=&'O@TXMTWRRV+A.6'E[.>L7L
MS[O[TM9.DZII^M:7;:II=W'=V5R@DAFB.5=3_GIVK5KI/3W/CC]K+_DH.B?]
M@W_VJ]?1WPC_ .2,^$_^P=%_Z#7SC^UE_P E T3_ +!O_M5Z^COA'_R1GPG_
M -@Z+_T&N:'\61YM+_>)_P!=C>\4_P#(F:U_UXS_ /HMJ\\_9R_Y(1HW_7:Y
M_P#1SUZ'XI_Y$S6O^O&?_P!%M7G?[./_ "0?1O\ KM<_^CGK7[:]#I?\:/H_
MT,WXZ?">/QQH9UO1H0/$>GQGRPO!NXQR8C_M=2I]<COD>+? GXM2^!]:/A'Q
M)(Z:'=S;5,N1]@F)QDYZ(3PP['GUS]K<&OEG]HCX0;A<?$#PS;_,/GU2VC'7
M_IN!_P"A?]]?WC652+3YXG/7I2A+VM/=;G:_&)@_Q@^$17D'4I<$?[\%>F^.
M(9+CX<>);>'F632[E5 ZDF)L5\:^!O&VK>)/&OPU\/ZLWGG0]4"6]RS9=HG:
M/"-Z[=G!]#CM7W8RJ\11E!##!!Z&JIOGNRJ$U54Y+K_DC\^/@K=1V?QP\+S2
MG"FZ,0SZNC(/U85^A0^[7YY?$#POJ7PO^*TUO;JT4=M<+>Z;.1PT>[=&1ZE2
M-I]U-?=/@WQ1I_C#P;IOB/3W!ANX@S)G)C?HR'W#9%10TO%F>%?+S4Y;HZ/^
M+;VKQ#XU?#/PK<^!/$7BBVTU+/6X(VO/M<#,K.PY8,,X;(SVKW#VKB/B]_R1
MOQ7_ -@^7_T&MYI.+N=M5)TW==#Y-_9^\)Z7XV^(-U;^((VOK*RLVN!;/(P6
M1]ZJ-V#R!N)QZ@5]N6&GV>E:?!INGVZ6UI @2.*,85%'85\C?LG_ /)1-;_[
M!I_]&I7T-\8/$>H>$_AE>>(-,F:*>TN+5B5QED,Z!UY]5)'XUG2LH<QS86RI
MN37<3Q_\*_"OQ$M=NL68AOT&V'4+<!9H_0$_Q+['\,=:^1OB!\$?&?P_>34/
M+_M72(SN6_M%/[L>LB]4^O(]Z^[K.[M]0L+>^M)!+;W$:S1NO1E89!_$&K+*
MKJ58 J1@@\@BG*E&>I=3#PJZ[/N?&_PE_: UC1=0M/#OC"^-_HTC")+Z8YFM
M.P+-_&GKGD#H>,5]E*59 R\@\\5\-_M$>!])\'^/;:]T2%+6RU>%IS;(,+%*
MK8?:.RG*G'8YQQ@5]<_#>2ZF^%?A:6^W&Y;2[8N6ZD^6O)]ZFDY)N,NAGA93
M4I4Y.]CKOXJ^7OVNO^/'PC_UUN?Y15]0_P 5?+W[77_'CX1_ZZW/\HJNK\#-
M<7_!D>B_LX_\D&T/_KI<_P#H]Z]<KR/]G'_D@VA_]=+G_P!'O7KO:JI_"C3#
M_P */HCXG_:DMY(_BU9W##]W/I<14_220$?Y]:^@_P!G^X2?X#^'-A^XLZ-[
M$3R5Q/[4'@NXUKPC8^*["$R3Z.S+<*HY,#XRW_ 6 _!B>U5/V5?%$-UX6U/P
MG-)BZL9_M4*D\M$^ <?1AS_OBL(^[4=^IR07LZS3ZGTO11174>D?,7[6LB_V
M#X8CS\[7,S >P5<_S%6_V3;:1/!>OW;*1'+J"QJ?4K&"?_0A7!?M.>(/[<^(
MVE>%]/S<R:;#M9(_F/GS$'8 .IVB/\Z^B_A+X/\ ^$'^&6E:)<*!?;3<79'/
M[Y^6'OM&%S_LUS15ZC?8\RFN>O*2V1QG[0_W/ ?_ &,$%>Y%0R;6 (/4&O#O
MVA_]7X#_ .Q@@KW->@K6.[.N'QR^1\2_'3X3R^!=<'BKPW"\>A74NXK%D?8)
MLYVC'12>5/;IZ9]M^!OQ8C\>Z*-%UB8#Q)I\8\TGC[5&.!*/?H&'K@]\#U?6
MM)L=<T:[TG4K9+FTNXS%+$ZY#*?Y'T/8\U\-^./"/B3X)_$BVO\ 2;F58%D,
M^FWN.)$'5'[$@':P[@^AK&2=.7,MCDJ1=&7/#X7NCZ'^#/\ R5OXN?\ 843_
M -#FKW+^"OG']FO7#XD\3_$3Q UN+9]0NK>X:(-N"%C,2 ?3)KZ._A-:T]8G
M30=Z::\_S/@#QA96VI_M*ZCIMXADMKK7Q!*H8J61I@&&1TX)KZA_X9S^$^W_
M ) ,_P#X&S?_ !5?,OB+_DZ>;_L9D_\ 1ZU]\+NVCFLJ44W*Z.;#*,I3YE?4
M^6?BU\ _">@^!+WQ%X56YL[G3E$SP/,98Y8]P#?>Y! .<Y[8QSD?4</^IB_W
M1_*H988KB%X)XUEC889'7<K#T(/6N5\7>*H?#<FFZ?'IQU74]3D:.UL RAY
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B;6PL]/M;FW>%(@Y)/EAAG@ @GN7-%%5S/F1HJDG)79__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>4
<FILENAME>kins-20211111.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!--XBRL Document Created with XBRLMaster-->
<!--Version: 2.3.08-->
<!--Based on XBRL 2.1-->
<!--Date of creation: 11/12/2021-->
<!--Software architectural design and coding: Dipendra K. Singh-->
<!--Copyright (c) 2021 I-NET Business Solutions, Inc. All Rights Reserved.-->
<schema xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:currency="http://xbrl.sec.gov/currency/2020-01-31" xmlns:us-gaap-att="http://fasb.org/us-gaap/attributes" xmlns:sic="http://xbrl.sec.gov/sic/2020-01-31" xmlns:exch="http://xbrl.sec.gov/exch/2020-01-31" xmlns:invest="http://xbrl.sec.gov/invest/2013-01-31" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:naics="http://xbrl.sec.gov/naics/2017-01-31" xmlns:us-types="http://fasb.org/us-types/2020-01-31" xmlns:stpr="http://xbrl.sec.gov/stpr/2018-01-31" xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:country="http://xbrl.sec.gov/country/2020-01-31" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:srt-types="http://fasb.org/srt-types/2020-01-31" xmlns:dei="http://xbrl.sec.gov/dei/2020-01-31" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:kins="http://kins.com/20211111" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://kins.com/20211111">
 <annotation>
  <appinfo>
   <link:roleType roleURI="http://kins.com/role/Cover" id="Cover">
    <link:definition>000001 - Document - Cover</link:definition>
    <link:usedOn>link:presentationLink</link:usedOn>
    <link:usedOn>link:calculationLink</link:usedOn>
    <link:usedOn>link:definitionLink</link:usedOn>
   </link:roleType>
   <link:linkbaseRef xlink:type="simple" xlink:href="kins-20211111_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
   <link:linkbaseRef xlink:type="simple" xlink:href="kins-20211111_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
   <link:linkbaseRef xlink:type="simple" xlink:href="kins-20211111_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
   <link:linkbaseRef xlink:type="simple" xlink:href="kins-20211111_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
  </appinfo>
 </annotation>
 <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
 <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
 <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
 <import namespace="http://xbrl.sec.gov/country/2020-01-31" schemaLocation="https://xbrl.sec.gov/country/2020/country-2020-01-31.xsd" />
 <import namespace="http://xbrl.sec.gov/currency/2020-01-31" schemaLocation="https://xbrl.sec.gov/currency/2020/currency-2020-01-31.xsd" />
 <import namespace="http://xbrl.sec.gov/dei/2020-01-31" schemaLocation="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd" />
 <import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
 <import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
 <import namespace="http://xbrl.sec.gov/exch/2020-01-31" schemaLocation="https://xbrl.sec.gov/exch/2020/exch-2020-01-31.xsd" />
 <import namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd" />
 <import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
 <import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
 <import namespace="http://xbrl.sec.gov/naics/2017-01-31" schemaLocation="https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd" />
 <import namespace="http://xbrl.sec.gov/sic/2020-01-31" schemaLocation="https://xbrl.sec.gov/sic/2020/sic-2020-01-31.xsd" />
 <import namespace="http://fasb.org/srt-roles/2020-01-31" schemaLocation="http://xbrl.fasb.org/srt/2020/elts/srt-roles-2020-01-31.xsd" />
 <import namespace="http://fasb.org/srt-types/2020-01-31" schemaLocation="http://xbrl.fasb.org/srt/2020/elts/srt-types-2020-01-31.xsd" />
 <import namespace="http://xbrl.sec.gov/stpr/2018-01-31" schemaLocation="https://xbrl.sec.gov/stpr/2018/stpr-2018-01-31.xsd" />
 <import namespace="http://fasb.org/us-roles/2020-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-roles-2020-01-31.xsd" />
 <import namespace="http://fasb.org/us-types/2020-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-types-2020-01-31.xsd" />
 <import namespace="http://fasb.org/srt/2020-01-31" schemaLocation="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd" />
 <import namespace="http://fasb.org/us-gaap/2020-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd" />
</schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>5
<FILENAME>kins-20211111_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!--XBRL Document Created with XBRLMaster-->
<!--Version: 2.3.08-->
<!--Based on XBRL 2.1-->
<!--Date of creation: 11/12/2021-->
<!--Software architectural design and coding: Dipendra K. Singh-->
<!--Copyright (c) 2021 I-NET Business Solutions, Inc. All Rights Reserved.-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef  roleURI="http://kins.com/role/Cover" xlink:href="kins-20211111.xsd#Cover" xlink:type="simple" />
  <link:calculationLink xlink:type="extended" xlink:role="http://kins.com/role/Cover" xlink:title="00000001 - Document - Document and Entity Information" />
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>6
<FILENAME>kins-20211111_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!--XBRL Document Created with XBRLMaster-->
<!--Version: 2.3.08-->
<!--Based on XBRL 2.1-->
<!--Date of creation: 11/12/2021-->
<!--Software architectural design and coding: Dipendra K. Singh-->
<!--Copyright (c) 2021 I-NET Business Solutions, Inc. All Rights Reserved.-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef  roleURI="http://kins.com/role/Cover" xlink:href="kins-20211111.xsd#Cover" xlink:type="simple" />
  <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension" arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" />
  <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" />
  <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member" arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" />
  <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all" arcroleURI="http://xbrl.org/int/dim/arcrole/all" />
  <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#notAll" arcroleURI="http://xbrl.org/int/dim/arcrole/notAll" />
  <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" />
  <link:definitionLink xlink:type="extended" xlink:role="http://kins.com/role/Cover" xlink:title="00000001 - Document - Cover Page Information">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="loc_deiCover" />
  </link:definitionLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>7
<FILENAME>kins-20211111_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!--XBRL Document Created with XBRLMaster-->
<!--Version: 2.3.08-->
<!--Based on XBRL 2.1-->
<!--Date of creation: 11/12/2021-->
<!--Software architectural design and coding: Dipendra K. Singh-->
<!--Copyright (c) 2021 I-NET Business Solutions, Inc. All Rights Reserved.-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" roleURI="http://www.xbrl.org/2009/role/negatedLabel" />
  <link:roleRef xlink:type="simple" roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" />
  <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" />
  <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" />
  <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" />
  <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" />
  <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" roleURI="http://www.xbrl.org/2009/role/netLabel" />
  <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="dei_CoverAbstract" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CoverAbstract_lbl" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentType" xlink:label="dei_DocumentType" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentType_lbl" xml:lang="en-US">Document Type</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentFlag_lbl" xml:lang="en-US">Amendment Flag</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US">Document Period End Date</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US">Entity Incorporation State Country Code</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFileNumber_lbl" xml:lang="en-US">Entity File Number</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US">Entity Address Address Line 1</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US">Entity Address City Or Town</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US">Entity Address State Or Province</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US">Entity Address Postal Zip Code</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CityAreaCode_lbl" xml:lang="en-US">City Area Code</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LocalPhoneNumber_lbl" xml:lang="en-US">Local Phone Number</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_WrittenCommunications" xlink:label="dei_WrittenCommunications" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_WrittenCommunications_lbl" xml:lang="en-US">Written Communications</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SolicitingMaterial_lbl" xml:lang="en-US">Soliciting Material</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementTenderOffer" xlink:label="dei_PreCommencementTenderOffer" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US">Pre Commencement Tender Offer</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US">Pre Commencement Issuer Tender Offer</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US">Security 12b Title</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_TradingSymbol_lbl" xml:lang="en-US">Trading Symbol</link:label>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" />
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xlink:type="arc" />
    <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US">Security Exchange Name</link:label>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>8
<FILENAME>kins-20211111_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!--XBRL Document Created with XBRLMaster-->
<!--Version: 2.3.08-->
<!--Based on XBRL 2.1-->
<!--Date of creation: 11/12/2021-->
<!--Software architectural design and coding: Dipendra K. Singh-->
<!--Copyright (c) 2021 I-NET Business Solutions, Inc. All Rights Reserved.-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://kins.com/role/Cover" xlink:href="kins-20211111.xsd#Cover" xlink:type="simple" />
  <link:presentationLink xlink:type="extended" xlink:role="http://kins.com/role/Cover" xlink:title="00000001 - Document - Cover Page Information">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:label="loc_deiCoverAbstract" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityRegistrantName" xlink:label="loc_deiEntityRegistrantName" />
    <link:presentationArc order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityRegistrantName" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="loc_deiEntityCentralIndexKey" />
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityCentralIndexKey" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentType" xlink:label="loc_deiDocumentType" />
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentType" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AmendmentFlag" xlink:label="loc_deiAmendmentFlag" />
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiAmendmentFlag" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:label="loc_deiEntityEmergingGrowthCompany" />
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityEmergingGrowthCompany" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="loc_deiDocumentPeriodEndDate" />
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentPeriodEndDate" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="loc_deiEntityIncorporationStateCountryCode" />
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityIncorporationStateCountryCode" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFileNumber" xlink:label="loc_deiEntityFileNumber" />
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityFileNumber" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:label="loc_deiEntityTaxIdentificationNumber" />
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityTaxIdentificationNumber" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine1" xlink:label="loc_deiEntityAddressAddressLine1" />
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityAddressAddressLine1" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCityOrTown" xlink:label="loc_deiEntityAddressCityOrTown" />
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityAddressCityOrTown" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:label="loc_deiEntityAddressStateOrProvince" />
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityAddressStateOrProvince" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:label="loc_deiEntityAddressPostalZipCode" />
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityAddressPostalZipCode" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CityAreaCode" xlink:label="loc_deiCityAreaCode" />
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiCityAreaCode" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_LocalPhoneNumber" xlink:label="loc_deiLocalPhoneNumber" />
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiLocalPhoneNumber" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_WrittenCommunications" xlink:label="loc_deiWrittenCommunications" />
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiWrittenCommunications" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SolicitingMaterial" xlink:label="loc_deiSolicitingMaterial" />
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiSolicitingMaterial" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementTenderOffer" xlink:label="loc_deiPreCommencementTenderOffer" />
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiPreCommencementTenderOffer" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="loc_deiPreCommencementIssuerTenderOffer" />
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiPreCommencementIssuerTenderOffer" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12bTitle" xlink:label="loc_deiSecurity12bTitle" />
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiSecurity12bTitle" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_TradingSymbol" xlink:label="loc_deiTradingSymbol" />
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiTradingSymbol" xlink:type="arc" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityExchangeName" xlink:label="loc_deiSecurityExchangeName" />
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiSecurityExchangeName" xlink:type="arc" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>9
<FILENAME>kins_8k_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2020-01-31"
  xmlns:iso4217="http://www.xbrl.org/2003/iso4217"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="kins-20211111.xsd" xlink:type="simple"/>
    <context id="From2021-11-11to2021-11-11">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000033992</identifier>
        </entity>
        <period>
            <startDate>2021-11-11</startDate>
            <endDate>2021-11-11</endDate>
        </period>
    </context>
    <unit id="USD">
        <measure>iso4217:USD</measure>
    </unit>
    <unit id="Shares">
        <measure>shares</measure>
    </unit>
    <unit id="USDPShares">
        <divide>
            <unitNumerator>
                <measure>iso4217:USD</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>shares</measure>
            </unitDenominator>
        </divide>
    </unit>
    <dei:EntityCentralIndexKey contextRef="From2021-11-11to2021-11-11">0000033992</dei:EntityCentralIndexKey>
    <dei:AmendmentFlag contextRef="From2021-11-11to2021-11-11">false</dei:AmendmentFlag>
    <dei:DocumentType contextRef="From2021-11-11to2021-11-11">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="From2021-11-11to2021-11-11">2021-11-11</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName contextRef="From2021-11-11to2021-11-11">KINGSTONE COMPANIES, INC.</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode contextRef="From2021-11-11to2021-11-11">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="From2021-11-11to2021-11-11">0-1665</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="From2021-11-11to2021-11-11">36-2476480</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="From2021-11-11to2021-11-11">15 Joys Lane</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="From2021-11-11to2021-11-11">Kingston</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="From2021-11-11to2021-11-11">NY</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="From2021-11-11to2021-11-11">12401</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="From2021-11-11to2021-11-11">845</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="From2021-11-11to2021-11-11">802-7900</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="From2021-11-11to2021-11-11">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="From2021-11-11to2021-11-11">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="From2021-11-11to2021-11-11">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="From2021-11-11to2021-11-11">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="From2021-11-11to2021-11-11">Common Stock, $0.01 par value per share</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-11-11to2021-11-11">KINS</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-11-11to2021-11-11">NASDAQ</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="From2021-11-11to2021-11-11">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.21.2</span><table class="report" border="0" cellspacing="2" id="idm139764173687208">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Nov. 11, 2021</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">KINGSTONE COMPANIES, INC.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000033992<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Nov. 11,  2021<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">0-1665<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">36-2476480<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address Address Line 1</a></td>
<td class="text">15 Joys Lane<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address City Or Town</a></td>
<td class="text">Kingston<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address State Or Province</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address Postal Zip Code</a></td>
<td class="text">12401<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">845<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">802-7900<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre Commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre Commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Common Stock, $0.01 par value per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">KINS<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>11
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M?!^2!F.,6_0T7X\48JVFL:W&VC$,>8!8\PRA9CC?AT6:&C/5BZPYC0IO0=5
MY3_;U UH]@TT')$%7C&9MC:CY$X*/-S^[PVPPL2.X>V+OP%02P,$%     @
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MUZX"O%\I98\%=Z L_@\8_ =02P,$%     @ 18!L4Y^@&_"Q @  X@P   T
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M':5_'<?VD-/IKV,BM'I;Z/EQ:%0*CMQC)8QQ8K3^-8+)#^Q^ %!+ P04
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MEG!:(.+)(&UI5GVP3TZTYWD7-_=%KLWC":[?#'!X=/X!4$L#!!0    ( $6
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M;64O=&AE;64Q+GAM;%!+ 0(4 Q0    ( $6 ;%.@29.('00  !L0   8
M          " @0P(  !X;"]W;W)K<VAE971S+W-H965T,2YX;6Q02P$"% ,4
M    " !%@&Q3GZ ;\+$"  #B#   #0              @ %?#   >&PO<W1Y
M;&5S+GAM;%!+ 0(4 Q0    ( $6 ;%.7BKL<P    !,"   +
M  "  3L/  !?<F5L<R\N<F5L<U!+ 0(4 Q0    ( $6 ;%.JQ"(6,P$  "("
M   /              "  200  !X;"]W;W)K8F]O:RYX;6Q02P$"% ,4
M" !%@&Q3)!Z;HJT   #X 0  &@              @ &$$0  >&PO7W)E;',O
M=V]R:V)O;VLN>&UL+G)E;'-02P$"% ,4    " !%@&Q399!YDAD!  #/ P
M$P              @ %I$@  6T-O;G1E;G1?5'EP97-=+GAM;%!+!08
.."0 ) #X"  "S$P     !

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>12
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>13
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>14
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.21.2</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>96</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>3</UnitCount>
  <MyReports>
    <Report instance="kins_8k.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>000001 - Document - Cover</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://kins.com/role/Cover</Role>
      <ShortName>Cover</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" original="kins_8k.htm">kins_8k.htm</File>
    <File>kins-20211111.xsd</File>
    <File>kins-20211111_cal.xml</File>
    <File>kins-20211111_def.xml</File>
    <File>kins-20211111_lab.xml</File>
    <File>kins-20211111_pre.xml</File>
    <File>kins_ex991.htm</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy>http://xbrl.sec.gov/dei/2020-01-31</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>true</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>16
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "kins_8k.htm": {
   "axisCustom": 0,
   "axisStandard": 0,
   "contextCount": 1,
   "dts": {
    "calculationLink": {
     "local": [
      "kins-20211111_cal.xml"
     ]
    },
    "definitionLink": {
     "local": [
      "kins-20211111_def.xml"
     ],
     "remote": [
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-eedm-def-2020-01-31.xml",
      "http://xbrl.fasb.org/srt/2020/elts/srt-eedm1-def-2020-01-31.xml"
     ]
    },
    "inline": {
     "local": [
      "kins_8k.htm"
     ]
    },
    "labelLink": {
     "local": [
      "kins-20211111_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "kins-20211111_pre.xml"
     ]
    },
    "schema": {
     "local": [
      "kins-20211111.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd",
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd",
      "https://xbrl.sec.gov/country/2020/country-2020-01-31.xsd",
      "https://xbrl.sec.gov/currency/2020/currency-2020-01-31.xsd",
      "https://xbrl.sec.gov/exch/2020/exch-2020-01-31.xsd",
      "http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd",
      "https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd",
      "https://xbrl.sec.gov/sic/2020/sic-2020-01-31.xsd",
      "http://xbrl.fasb.org/srt/2020/elts/srt-roles-2020-01-31.xsd",
      "http://xbrl.fasb.org/srt/2020/elts/srt-types-2020-01-31.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "https://xbrl.sec.gov/stpr/2018/stpr-2018-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-roles-2020-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-types-2020-01-31.xsd",
      "http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd",
      "http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd"
     ]
    }
   },
   "elementCount": 23,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2020-01-31": 2,
    "total": 2
   },
   "keyCustom": 0,
   "keyStandard": 96,
   "memberCustom": 0,
   "memberStandard": 0,
   "nsprefix": "kins",
   "nsuri": "http://kins.com/20211111",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "span",
       "strong",
       "p",
       "td",
       "tr",
       "tbody",
       "table",
       "body",
       "html"
      ],
      "baseRef": "kins_8k.htm",
      "contextRef": "From2021-11-11to2021-11-11",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:EntityRegistrantName",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "000001 - Document - Cover",
     "role": "http://kins.com/role/Cover",
     "shortName": "Cover",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "span",
       "strong",
       "p",
       "td",
       "tr",
       "tbody",
       "table",
       "body",
       "html"
      ],
      "baseRef": "kins_8k.htm",
      "contextRef": "From2021-11-11to2021-11-11",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:EntityRegistrantName",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 0,
   "tag": {
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "xbrltype": "stringItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.",
        "label": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address Address Line 1"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address City Or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address State Or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation State Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre Commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre Commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Security 12b Title"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://kins.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    }
   },
   "unitCount": 3
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r5": {
   "Name": "Regulation 12B",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>17
<FILENAME>0001654954-21-012078-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001654954-21-012078-xbrl.zip
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M68!>595CK:85RO3$D42H:RA$G"^3SDV"@;]SU#]7[B%*0X6^(P*+W1@ML-)
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M[A)._<Q\[OD"4C*W0-?_)'_[R39TXY1<!_=\U.,AT76:KJ_X1C\E4P(X#T;
M;2Z/*+GR^TUR?,TBA_UU0OY^=7WS=M(Z.8Z'7+QN:*?I.X_B-V@L"/,O)LUF
M7[VEA,$H0GB713$)^9T;^$ VXS 8\S!^),QW2)]%"?/@%[#VDA (BY-AX*%$
M %D@.J(D#AR&3Z?$ZA 7:&XPH<(PH\(!C 2'^5=*!P0( )Z]X>,XA<'44AB:
M0.?YS!_)@^MYT".,CT&'_H"'',?09_ QMLA@Q(\1-(^#=?U[#C,,(Q+X!7R-
MM&&8;DSL$U,CK#EJDDL1.?')+2PT?!7!O/F]&R215YP+-/2E'P>B'3,;X"[C
M%=NGUGG14A AB.H7H 86I[3QWZ 7/-0-$=E9^.8='[T_/O.FE 3B)"6^$!8H
M#F#A7*"$1\["G+A@"6'0;N"0Q/=X!/0 E!<^N!$G?A!S!U@'&I7#D)+&?E)F
M4C5,_<H-6+&48BD)*/0=/CC31O92]#CJ!1[,Z"?=-F%&^%VY<I!S8I\"T'"@
M[T@T1-48#,C/QWI3T]_.:,F?C[6F;KP]S?4Y6'#>S(OOHF3\'G=EX!]LY/AG
M:,28;\3HO%5LKMA<5FZH+9O_'@3?R3WS$OZ$V3M-RR1.\."#J].TWY !O"M<
MK=0P_BL/&"B>53PK)VG7EF<OW)#W8_(0NG',?0PQC-QD%,VHVKL07NT]DC;R
M+NI8RVYV"33M@<^MN%9QK:S$75NNO>;QA%4)9Z&/04T?LZ\B^,DTFYV444U@
MV9Q1B>)4Q:FR$G2M.17\TYZ++"JBU 5&!1;5@46MS"+6=;W9?4.<T+T'5=S#
M*/_D8?A!6,P^M">\XK0M:*';:>I9 QT3?FPJ1E>,+BT_U)K1T^T]D0D-?!N,
M>('7P?,U4J6L-SM*)RM6E9ZB:\NJ7X,P'@ ]! 1X$_=R<XX5K!KA*0;'C3$L
MY;E9EL&(N7X,?R+BN2,7CS@X2;KGC-D( ]?CBI,5)\M*\+7E9-NFIM%-(\U@
M$O-Q$O:'0MT">T)'Y'_-)KD-8I'E$R>ACPI8/(TY0CR,IL\A_WL)CHXX6?I7
M)(+7>M.:J.L@)'JS_08_GPM?B^2HSFDTTW[V(>%_)2!*E&FNI(2\S%2G 2N6
M4BSU6@K=\!FZ^?1BH5ZTIF854AP4,2MBKIZXK=R %4LIEI),/Q0/%4S3^^,A
MB\5YA?2P"FB,=,<>SQ XZ<D5A[!"6KFS6+F0,7L4U07 D[G@_>SP02L[W(&>
M41STO^>>$;P/'<%:XZD$]';Z7A")?)X>EG<02>N%0PR3TQ&*WQ2_58'?E'90
MU%H=:OV_R7^*8A7%5H%BTQ1"DN80@G$#ML.(LRC!2"T:(WX0 WI1>H21]?N
MH<CY'X>NWW?''CQVQWT>,@_/._;[> [3R=,@_O#%)LQ-S&)X[C@[0/KQ[.QK
M?G94;-M@/PX?B.0+_!T-&FC<@U][W L>T.C!YD9X?M,1AA5TEIXG$)82MC@9
MM@K?/N$]5="@:DQYV$8/_(5<76Q]2V>CT[_)JB7=3LJJW2TNF*8M+)B6,1[X
MA5$$7XQ[PW *Q8LTZ>]?OEU<?FO\_N7V]LOG$]+S8+$*Y$!$Z;ZKZXM++-:G
MB8C-BCU,B_C],F9WO-$+.?O>8 /P7T\(\Q[88_3+^Q?H_KGY[6Z95U[@ ZK9
M5RK[!<-/*O)43PQO=,";L*W2R@:?F0\<)-)7SH,1_LO"Q^I7+,FZ^)V%X2/Y
M&'A.%'/7IV2F0(C8:S\?NGQ +G_P?A*[]YQ\&0S</@\IX1X#6A?%2(/49"R4
M'1&O9L4:3DAE82I(H]3^/?-@V<F#&P\)O^> G:@J44Q((%>$C<#2C=AX'+A^
MP:+.X&B22TP^%FT\<";>[W&TRX,DCEQ'! "#),1:)T!E'H6!WHMG!@$8VT.&
M(4L./_4X-,,(%H+U1#D4[CO3^A=I!_$PY" W.5K;,0K0(!3G&?K#;#C8+XQO
MA$W'0^:3G_5I+L9 )$*+:BS@6YRSF"'=CV$N^#E/*ZZ(7&GF(%2"3?B/,??%
MEXXCCDH0@4.$GD ZK9E<[7CH1OF8F^2+>""<=/" $QV"Q.!A.CQLO8^@,OS2
M W1&"4P&AOHP=.&'*W0[7 ",0+,,2/+>=1IZE[A FOVX)G5;_N3"[V+3.#$&
ML2=\EQ*&,/LH6K=>BMCD. NNVIBYPHAQX7=HH\^);MOM)OD3Z70<A#$1-(94
M $L":P24\TBAPQB19WGE'UB#="C"J"!CC_D^DE1>Z6>0Q.#7B69%F9[_<-%[
MU ]!FO@@E9'XQICV%[/O^*+#8^9ZL)@\[3DO^.($?C:_&+Q%'F>$(!($!85B
M$!\H^P<3#N8#_IZ-S0FP83]X:&Y)$.UZ^<_2W8*(C;AX74ST#D!,:R*!&$DW
M-;+YHQQQ_01!P!T(CBO,HL 7)A5X!P\@)^!='$+&:1FEI(F7J>F54QK%Z $H
M2A<W0A*>N_>P3''H]H6&@!7 12&PHNDABPCSM"=";33FL8N[*QFQ8>(G&3[B
M'LH@Z"=9N"+OVL4$42J(!J:3)XG"M,&(($#@/,2#E3@WH""4?TZ42I'"=$(1
MPD H0)QZ0M+Z:8M866IR_@.'EYWTR@' AWHB?2U!HA>B)FN4@4P&RT T3CP0
M.!Y2(9!@+W!X*IL$%Z0<,#N?NA#BU3/9^+#N:4)^EO]7J/O5)&=>%"!%8"4F
M9%M!KD&V:@/W1WK8#AL<"?L+)!!#N7:7B/Q"06U)7P"+;XWS=&.::0$6Y0F$
MV3[=_YJ9)$G5,7NZBK,)R2#G>(PZU %Z#B,7+!XA:%(ZA"=B5+B@CNYXKM4$
MZ2)=1<- J-])]G($EA.2:![=JOZR7\RM*/)F,3=T)FL45'0JV_&%6*2*IINE
MTS<F6:)BG]30N[2K6]GKJ?) @A$Z"\&V#"Q+!S(F-TI+-F>GZ:EY&;QZ@/\9
MK$Y/F.S\&7M]6N!E8J]G:H [)_4 (K/(;Z=4.,$ F9NP.$:V$S7K"N?Y0CY
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M 3B_!'XZ\:,7+,K1NH)*:[86RJDR[*31.I4E4TLO,04J0Z85 !CDP'QR;64
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M0SX$ZQTUXY50"+^*H,SQV9?SJ[=4^%FHF]F/763DG(F-_C*?#X<C').?VX4
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M![\:<WC=B: 5'J'*=T[*3U%(O@1U(=_#8)@]VOQEP"ZPF^?#S1.CN-R87F!
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MN:TU?W?5)L8S3JR"1DF^%T+3UIKSI065$UM[<US*=A0B"A&I$5E!S"T3IG&
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MQ]>@NFV!M[%\_]54-G -M+F4[2A$%")2(R*E#2SJU8W3"/(H\$DT9"$_48<
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M0W]^#>LDP_>&L;9;C.O&.WN1>NFXCA.?)0Y,QWE;C3MO2C"36#!O:A_G+(K
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M?/__ 5!+ 0(4 Q0    ( $6 ;%,?28]>9P0   46   1              "
M 0    !K:6YS+3(P,C$Q,3$Q+GAS9%!+ 0(4 Q0    ( $6 ;%.U/.WPT0$
M (,#   5              "  98$  !K:6YS+3(P,C$Q,3$Q7V-A;"YX;6Q0
M2P$"% ,4    " !%@&Q3\N+7,I$"  !""   %0              @ &:!@
M:VEN<RTR,#(Q,3$Q,5]D968N>&UL4$L! A0#%     @ 18!L4X*Y'. $!@
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8=&U02P4&      < !P#  0  I7P

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
