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Insurance Reserves and Policyholder Funds (Tables) | 12 Months Ended
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Dec. 31, 2019
Insurance Reserves and Policyholder Funds [Abstract] |
Reserves for Life, Accident, Health and Property and Casualty Losses, Including Loss Adjustment Expenses | The following table presents the Company’s reserves for life, accident and health, and property and casualty losses, claims and loss adjustment expenses at December 31, 2019 and 2018.
|  |  |  |  |  |  |  | Amount of Insurance In Force, Net |
|  | 2019 |  |  | 2018 |  |  | 2019 |  |  | 2018 |
Future policy benefits |  |  |  |  |  |  |  |  |  |  |  |
Life insurance policies: |  |  |  |  |  |  |  |  |  |  |  |
Ordinary life and annuities |  | $ | 55,403 |  |  | $ | 55,965 |  |  | $ | 212,774 |  |  | $ | 219,955 |
Group life |  |  | 93 |  |  |  | 37 |  |  |  | 33,508 | (1) |  |  | 93 |
|  |  | 55,496 |  |  |  | 56,002 |  |  | $ | 246,282 |  |  | $ | 220,048 |
Accident and health insurance policies |  |  | 36,994 |  |  |  | 34,255 |  |  |  |  |  |  |  |  |
|  |  | 92,490 |  |  |  | 90,257 |  |  |  |  |  |  |  |  |
Unearned premiums |  |  | 26,035 |  |  |  | 24,206 |  |  |  |  |  |  |  |  |
Losses, claims and loss adjustment expenses |  |  | 81,448 |  |  |  | 72,612 |  |  |  |  |  |  |  |  |
Other policy liabilities |  |  | 1,933 |  |  |  | 1,973 |  |  |  |  |  |  |  |  |
Total insurance reserves and policyholder funds |  | $ | 201,906 |  |  | $ | 189,048 |  |  |  |  |  |  |  |  |
| (1) | The group life in force amounts increased significantly during 2019. However, the impact on future policy benefits is not significant.
Summary of Activity in Liabilities for Unpaid Loss and Claim Reserved | Activity in the liability for unpaid loss and claim reserves is summarized as follows:
|  | 2019 |  |  | 2018 |
Balance at January 1 |  | $ | 72,612 |  |  | $ | 65,689 |
Less: Reinsurance recoverable on unpaid losses |  |  | (14,354 | ) |  |  | (11,968 | )
Net balance at January 1 |  |  | 58,258 |  |  |  | 53,721 |
Incurred related to: |  |  |  |  |  |  |  |
Current year |  |  | 137,305 |  |  |  | 128,242 |
Prior years |  |  | (80 | )(1) |  |  | 308 | (2)
Total incurred |  |  | 137,225 |  |  |  | 128,550 |
Paid related to: |  |  |  |  |  |  |  |
Current year |  |  | 95,489 |  |  |  | 90,981 |
Prior years |  |  | 36,885 |  |  |  | 33,032 |
Total paid |  |  | 132,374 |  |  |  | 124,013 |
Net balance at December 31 |  |  | 63,109 |  |  |  | 58,258 |
Plus: Reinsurance recoverable on unpaid losses |  |  | 18,339 |  |  |  | 14,354 |
Balance at December 31 |  | $ | 81,448 |  |  | $ | 72,612 |
| (1) | Prior years’ development was primarily the result of better than expected development on prior years loss and claim reserves for certain lines of business in American Southern, somewhat offset by unfavorable development on prior years loss and claim reserves for the Medicare Supplement line of business in Bankers Fidelity.
| (2) | Prior years’ development was primarily the result of unfavorable development in the loss and claim reserves for the Medicare supplement line of business in Bankers Fidelity, somewhat offset by better than expected development on prior years loss and claim reserves for certain lines of business in American Southern.
Reconciliation of Total Incurred Losses to Total Insurance Benefits and Losses | Following is a reconciliation of total incurred losses to total insurance benefits and losses incurred:
|  | 2019 |  |  | 2018 |
Total incurred losses |  | $ | 137,225 |  |  | $ | 128,550 |
Cash surrender value and matured endowments |  |  | 1,362 |  |  |  | 1,316 |
Benefit reserve changes |  |  | 638 |  |  |  | 2,784 |
Total insurance benefits and losses incurred |  | $ | 139,225 |  |  | $ | 132,650 |
Supplementary Information about Average Historical Claims Duration | The following is supplementary information about average historical claims duration as of December 31, 2019.
Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance (Unaudited)
Reserve Line |  | 1st Year |  | 2nd Year |  | 3rd Year |  | 4th Year |  | 5th Year |  | 6th Year |  | 7th Year |  | 8th Year |  | 9th Year |  | 10th Year
Medicare Supplement |  | 83.0 | % |  | 16.8 | % |  | 0.1 | % |  | 0.0 | % |  | 0.0 | % |  | 0.0 | % |  | 0.0 | % |  | 0.0 | % |  | 0.0 | % |  | 0.0 | %
Automobile Liability |  | 30.2 | % |  | 31.3 | % |  | 17.4 | % |  | 12.9 | % |  | 5.0 | % |  | 2.1 | % |  | 0.4 | % |  | 0.9 | % |  | 0.0 | % |  | 0.0 | %
Automobile Physical Damage |  | 85.1 | % |  | 12.8 | % |  | -0.6 | % |  | -0.4 | % |  | -0.1 | % |  | 0.0 | % |  | 0.0 | % |  | 0.0 | % |  | 0.0 | % |  | 0.0 | %
General Liability |  | 17.1 | % |  | 16.8 | % |  | 26.3 | % |  | 14.3 | % |  | 11.8 | % |  | 9.4 | % |  | 2.9 | % |  | 1.4 | % |  | 1.5 | % |  | 1.1 | %
Surety |  | 38.0 | % |  | 32.1 | % |  | 13.3 | % |  | 10.4 | % |  | 0.2 | % |  | 1.2 | % |  | 0.7 | % |  | 0.0 | % |  | 0.0 | % |  | -0.1 | %
Reconciliation of Net Incurred and Paid Claims Development | The reconciliation of the net incurred and paid claims development tables to the liability for losses, claims and loss adjustment expenses is as follows:
|  | December 31, 2019 |
Net outstanding liabilities: |  |  |
Medicare Supplement |  | $ | 16,614 |
Automobile Liability |  |  | 35,165 |
Automobile Physical Damage |  |  | 2,187 |
General Liability |  |  | 3,038 |
Surety |  |  | 2,945 |
Other short-duration insurance lines |  |  | 1,043 |
Liabilities for unpaid losses, claims and loss adjustment expenses, net of reinsurance |  |  | 60,992 |
Reinsurance recoverable on unpaid losses: |  |  |  |
Medicare Supplement |  |  | 10,620 |
Automobile Liability |  |  | 5,566 |
Automobile Physical Damage |  |  | 143 |
General Liability |  |  | 2,010 |
Total reinsurance recoverable on unpaid losses |  |  | 18,339 |
Unallocated claims adjustment expenses |  |  | 2,117 |
Total gross liability for unpaid losses, claims and loss adjustment expenses |  | $ | 81,448 |
Medicare Supplement [Member] |
Insurance Reserves and Policyholder Funds [Abstract] |
Information About Incurred and Paid Claims Development | The following is information, by significant product lines, about incurred and paid claims development as of December 31, 2019, net of reinsurance, as well as the cumulative number of reported claims and the total of IBNR reserves plus expected development on reported claims included within the net incurred claims amounts. The information presented for the years ended December 31, 2015 and prior is presented as supplementary information and is unaudited.
Medicare Supplement |  |  |  |
|  | For the Years Ended December 31, |  |  | As of December 31, 2019 |
|  | Incurred Losses, Claims and Allocated Loss Adjustment Expenses, Net of Reinsurance |  |  | IBNR Reserves |  |  | Cumulative Number of Reported Claims |
Accident Year |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2018 |  |  | 2019 |
2010 |  | $ | 34,849 |  |  | $ | 34,328 |  |  | $ | 34,323 |  |  | $ | 34,303 |  |  | $ | 34,282 |  |  | $ | 34,272 |  |  | $ | 34,268 |  |  | $ | 34,265 |  |  | $ | 34,264 |  |  | $ | $34,264 |  |  | $ | - |  |  |  | 625,699 |
2011 |  |  |  |  |  |  | 38,188 |  |  |  | 38,296 |  |  |  | 38,360 |  |  |  | 38,327 |  |  |  | 38,316 |  |  |  | 38,302 |  |  |  | 38,299 |  |  |  | 38,297 |  |  |  | 38,297 |  |  |  | - |  |  |  | 664,057 |
2012 |  |  |  |  |  |  |  |  |  |  | 50,021 |  |  |  | 50,996 |  |  |  | 51,021 |  |  |  | 50,998 |  |  |  | 50,989 |  |  |  | 50,987 |  |  |  | 50,985 |  |  |  | 50,984 |  |  |  | - |  |  |  | 867,052 |
2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 56,974 |  |  |  | 56,970 |  |  |  | 57,034 |  |  |  | 57,023 |  |  |  | 57,021 |  |  |  | 57,016 |  |  |  | 57,015 |  |  |  | - |  |  |  | 957,369 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57,179 |  |  |  | 56,938 |  |  |  | 56,981 |  |  |  | 56,981 |  |  |  | 56,976 |  |  |  | 56,977 |  |  |  | - |  |  |  | 939,482 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55,482 |  |  |  | 54,939 |  |  |  | 54,993 |  |  |  | 54,990 |  |  |  | 54,984 |  |  |  | - |  |  |  | 898,387 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 58,849 |  |  |  | 59,851 |  |  |  | 63,226 |  |  |  | 63,225 |  |  |  | - |  |  |  | 1,036,885 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 67,960 |  |  |  | 69,655 |  |  |  | 69,643 |  |  |  | - |  |  |  | 1,512,117 |
2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 79,140 |  |  |  | 80,404 |  |  |  | 182 |  |  |  | 2,049,554 |
2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 88,765 |  |  |  | 16,432 |  |  |  | 1,976,968 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 594,558 |  |  |  |  |  |  |  |  |
|  | Cumulative Paid Losses, Claims and Allocated Loss Adjustment Expenses, Net of Reinsurance |
Accident Year |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2018 |  |  | 2019 |
2010 |  | $ | 29,127 |  |  | $ | 34,328 |  |  | $ | 34,323 |  |  | $ | 34,303 |  |  | $ | 34,282 |  |  | $ | 34,272 |  |  | $ | 34,268 |  |  | $ | 34,265 |  |  | $ | 34,264 |  |  | $ | 34,264 |
2011 |  |  |  |  |  |  | 31,720 |  |  |  | 38,296 |  |  |  | 38,360 |  |  |  | 38,327 |  |  |  | 38,316 |  |  |  | 38,302 |  |  |  | 38,299 |  |  |  | 38,297 |  |  |  | 38,297 |
2012 |  |  |  |  |  |  |  |  |  |  | 42,267 |  |  |  | 50,996 |  |  |  | 51,021 |  |  |  | 50,998 |  |  |  | 50,989 |  |  |  | 50,987 |  |  |  | 50,985 |  |  |  | 50,984 |
2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47,770 |  |  |  | 56,970 |  |  |  | 57,034 |  |  |  | 57,023 |  |  |  | 57,021 |  |  |  | 57,016 |  |  |  | 57,015 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48,024 |  |  |  | 56,938 |  |  |  | 56,981 |  |  |  | 56,981 |  |  |  | 56,976 |  |  |  | 56,977 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45,430 |  |  |  | 54,876 |  |  |  | 54,993 |  |  |  | 54,990 |  |  |  | 54,984 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 49,165 |  |  |  | 59,747 |  |  |  | 63,226 |  |  |  | 63,225 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57,696 |  |  |  | 69,517 |  |  |  | 69,643 |
2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 66,565 |  |  |  | 80,222 |
2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 72,333 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 577,944 |
Liabilities for losses, claims and loss adjustment expenses, net of reinsurance |  |  | $ | 16,614 |
Automobile Liability [Member] |
Insurance Reserves and Policyholder Funds [Abstract] |
Information About Incurred and Paid Claims Development | The following is information, by significant product lines, about incurred and paid claims development as of December 31, 2019, net of reinsurance, as well as the cumulative number of reported claims and the total of IBNR reserves plus expected development on reported claims included within the net incurred claims amounts. The information presented for the years ended December 31, 2015 and prior is presented as supplementary information and is unaudited.
Automobile Liability |  |  |  |
|  | For the Years Ended December 31, |  |  | As of December 31, 2019 |
|  | Incurred Losses, Claims and Allocated Loss Adjustment Expenses, Net of Reinsurance |  |  | IBNR Reserves |  |  | Cumulative Number of Reported Claims |
Accident Year |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2018 |  |  | 2019 |
2010 |  | $ | 10,752 |  |  | $ | 10,818 |  |  | $ | 10,547 |  |  | $ | 9,937 |  |  | $ | 10,068 |  |  | $ | 10,185 |  |  | $ | 10,202 |  |  | $ | 10,201 |  |  | $ | 10,209 |  |  | $ | 10,215 |  |  | $ | - |  |  |  | 1,947 |
2011 |  |  |  |  |  |  | 12,263 |  |  |  | 13,802 |  |  |  | 13,235 |  |  |  | 13,289 |  |  |  | 13,281 |  |  |  | 13,495 |  |  |  | 13,385 |  |  |  | 13,330 |  |  |  | 13,329 |  |  |  | - |  |  |  | 2,132 |
2012 |  |  |  |  |  |  |  |  |  |  | 12,980 |  |  |  | 15,007 |  |  |  | 14,108 |  |  |  | 13,707 |  |  |  | 13,313 |  |  |  | 13,343 |  |  |  | 13,357 |  |  |  | 13,373 |  |  |  | - |  |  |  | 2,343 |
2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18,664 |  |  |  | 20,702 |  |  |  | 21,096 |  |  |  | 21,823 |  |  |  | 21,352 |  |  |  | 21,020 |  |  |  | 20,972 |  |  |  | - |  |  |  | 3,267 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20,812 |  |  |  | 21,881 |  |  |  | 22,041 |  |  |  | 22,353 |  |  |  | 21,682 |  |  |  | 22,080 |  |  |  | 57 |  |  |  | 3,543 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18,521 |  |  |  | 19,857 |  |  |  | 20,017 |  |  |  | 20,007 |  |  |  | 20,086 |  |  |  | 88 |  |  |  | 3,528 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20,549 |  |  |  | 21,275 |  |  |  | 21,846 |  |  |  | 22,388 |  |  |  | 1,106 |  |  |  | 3,846 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22,179 |  |  |  | 24,212 |  |  |  | 23,766 |  |  |  | 1,413 |  |  |  | 3,777 |
2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24,284 |  |  |  | 25,682 |  |  |  | 3,991 |  |  |  | 3,524 |
2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25,241 |  |  |  | 8,649 |  |  |  | 3,205 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 197,132 |  |  |  |  |  |  |  |  |
|  | Cumulative Paid Losses, Claims and Allocated Loss Adjustment Expenses, Net of Reinsurance |
Accident Year |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2018 |  |  | 2019 |
2010 |  | $ | 3,211 |  |  | $ | 6,274 |  |  | $ | 8,291 |  |  | $ | 9,382 |  |  | $ | 9,725 |  |  | $ | 10,056 |  |  | $ | 10,090 |  |  | $ | 10,206 |  |  | $ | 10,210 |  |  | $ | 10,215 |
2011 |  |  |  |  |  |  | 4,205 |  |  |  | 7,934 |  |  |  | 9,858 |  |  |  | 12,071 |  |  |  | 13,039 |  |  |  | 13,106 |  |  |  | 13,199 |  |  |  | 13,330 |  |  |  | 13,329 |
2012 |  |  |  |  |  |  |  |  |  |  | 4,627 |  |  |  | 8,791 |  |  |  | 11,507 |  |  |  | 12,932 |  |  |  | 13,197 |  |  |  | 13,211 |  |  |  | 13,288 |  |  |  | 13,373 |
2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5,144 |  |  |  | 12,193 |  |  |  | 16,782 |  |  |  | 19,407 |  |  |  | 20,382 |  |  |  | 20,982 |  |  |  | 20,972 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6,822 |  |  |  | 13,807 |  |  |  | 17,554 |  |  |  | 20,177 |  |  |  | 20,878 |  |  |  | 21,735 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6,226 |  |  |  | 11,878 |  |  |  | 14,938 |  |  |  | 17,612 |  |  |  | 19,557 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6,796 |  |  |  | 13,141 |  |  |  | 16,397 |  |  |  | 19,613 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7,401 |  |  |  | 16,317 |  |  |  | 20,221 |
2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6,989 |  |  |  | 15,647 |
2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7,305 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 161,967 |
Liabilities for losses, claims and loss adjustment expenses, net of reinsurance |  |  | $ | 35,165 |
Automobile Physical Damage [Member] |
Insurance Reserves and Policyholder Funds [Abstract] |
Information About Incurred and Paid Claims Development | The following is information, by significant product lines, about incurred and paid claims development as of December 31, 2019, net of reinsurance, as well as the cumulative number of reported claims and the total of IBNR reserves plus expected development on reported claims included within the net incurred claims amounts. The information presented for the years ended December 31, 2015 and prior is presented as supplementary information and is unaudited.
Automobile Physical Damage |  |  |  |
|  | For the Years Ended December 31, |  |  | As of December 31, 2019 |
|  | Incurred Losses, Claims and Allocated Loss Adjustment Expenses, Net of Reinsurance |  |  | IBNR Reserves |  |  | Cumulative Number of Reported Claims |
Accident Year |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2018 |  |  | 2019 |
2015 |  | $ | 8,287 |  |  | $ | 7,955 |  |  | $ | 7,887 |  |  | $ | 7,896 |  |  | $ | $7,884 |  |  | $ | - |  |  |  | 1,588 |
2016 |  |  |  |  |  |  | 6,877 |  |  |  | 6,386 |  |  |  | 6,352 |  |  |  | 6,289 |  |  |  | - |  |  |  | 1,269 |
2017 |  |  |  |  |  |  |  |  |  |  | 6,257 |  |  |  | 5,933 |  |  |  | 5,857 |  |  |  | - |  |  |  | 1,321 |
2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7,805 |  |  |  | 7,530 |  |  |  | 1 |  |  |  | 1,449 |
2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8,526 |  |  |  | 202 |  |  |  | 1,355 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 36,086 |  |  |  |  |  |  |  |  |
|  | Cumulative Paid Losses, Claims and Allocated Loss Adjustment Expenses, Net of Reinsurance |
Accident Year |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2018 |  |  | 2019 |
2015 |  | $ | $6,745 |  |  | $ | 7,937 |  |  | $ | 7,885 |  |  | $ | 7,895 |  |  | $ | $7,884 |
2016 |  |  |  |  |  |  | 5,804 |  |  |  | 6,353 |  |  |  | 6,349 |  |  |  | 6,289 |
2017 |  |  |  |  |  |  |  |  |  |  | 5,215 |  |  |  | 5,914 |  |  |  | 5,856 |
2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6,344 |  |  |  | 7,510 |
2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6,360 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 33,899 |
All outstanding liabilities before 2015, net of reinsurance |  |  |  | - |
Liabilities for losses, claims and loss adjustment expenses, net of reinsurance |  |  | $ | 2,187 |
General Liability [Member] |
Insurance Reserves and Policyholder Funds [Abstract] |
Information About Incurred and Paid Claims Development | The following is information, by significant product lines, about incurred and paid claims development as of December 31, 2019, net of reinsurance, as well as the cumulative number of reported claims and the total of IBNR reserves plus expected development on reported claims included within the net incurred claims amounts. The information presented for the years ended December 31, 2015 and prior is presented as supplementary information and is unaudited.
General Liability |  |  |  |
|  | For the Years Ended December 31, |  |  | As of December 31, 2019 |
|  | Incurred Losses, Claims and Allocated Loss Adjustment Expenses, Net of Reinsurance |  |  | IBNR Reserves |  |  | Cumulative Number of Reported Claims |
Accident Year |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2018 |  |  | 2019 |
2010 |  | $ | 4,114 |  |  | $ | 2,699 |  |  | $ | 2,269 |  |  | $ | 2,337 |  |  | $ | 2,258 |  |  | $ | 2,400 |  |  | $ | 2,423 |  |  | $ | 2,473 |  |  | $ | 2,480 |  |  | $ | 2,490 |  |  | $ | 0 |  |  |  | 289 |
2011 |  |  |  |  |  |  | 3,022 |  |  |  | 1,723 |  |  |  | 1,452 |  |  |  | 1,338 |  |  |  | 1,174 |  |  |  | 1,242 |  |  |  | 1,327 |  |  |  | 1,335 |  |  |  | 1,400 |  |  |  | 18 |  |  |  | 208 |
2012 |  |  |  |  |  |  |  |  |  |  | 4,055 |  |  |  | 1,305 |  |  |  | 1,269 |  |  |  | 1,270 |  |  |  | 1,214 |  |  |  | 1,333 |  |  |  | 1,344 |  |  |  | 1,377 |  |  |  | 25 |  |  |  | 159 |
2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3,461 |  |  |  | 728 |  |  |  | 926 |  |  |  | 817 |  |  |  | 865 |  |  |  | 820 |  |  |  | 945 |  |  |  | 33 |  |  |  | 195 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3,744 |  |  |  | 501 |  |  |  | 557 |  |  |  | 476 |  |  |  | 406 |  |  |  | 497 |  |  |  | 1 |  |  |  | 193 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4,421 |  |  |  | 1,037 |  |  |  | 1,227 |  |  |  | 1,044 |  |  |  | 867 |  |  |  | 1 |  |  |  | 146 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3,119 |  |  |  | 1,148 |  |  |  | 736 |  |  |  | 608 |  |  |  | 0 |  |  |  | 85 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,490 |  |  |  | 488 |  |  |  | 513 |  |  |  | 70 |  |  |  | 77 |
2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,656 |  |  |  | 333 |  |  |  | 127 |  |  |  | 73 |
2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,916 |  |  |  | 1,598 |  |  |  | 61 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 10,946 |  |  |  |  |  |  |  |  |
|  | Cumulative Paid Losses, Claims and Allocated Loss Adjustment Expenses, Net of Reinsurance |
Accident Year |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2018 |  |  | 2019 |
2010 |  | $ | 284 |  |  | $ | 678 |  |  | $ | 1,374 |  |  | $ | 1,542 |  |  | $ | 2,037 |  |  | $ | 2,368 |  |  | $ | 2,382 |  |  | $ | 2,457 |  |  | $ | 2,463 |  |  | $ | 2,490 |
2011 |  |  |  |  |  |  | 295 |  |  |  | 412 |  |  |  | 582 |  |  |  | 835 |  |  |  | 1,161 |  |  |  | 1,169 |  |  |  | 1,278 |  |  |  | 1,285 |  |  |  | 1,325 |
2012 |  |  |  |  |  |  |  |  |  |  | 371 |  |  |  | 707 |  |  |  | 847 |  |  |  | 1,034 |  |  |  | 1,113 |  |  |  | 1,219 |  |  |  | 1,260 |  |  |  | 1,269 |
2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 104 |  |  |  | 339 |  |  |  | 579 |  |  |  | 811 |  |  |  | 791 |  |  |  | 803 |  |  |  | 805 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 171 |  |  |  | 299 |  |  |  | 331 |  |  |  | 369 |  |  |  | 373 |  |  |  | 493 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 98 |  |  |  | 259 |  |  |  | 464 |  |  |  | 664 |  |  |  | 863 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 116 |  |  |  | 203 |  |  |  | 568 |  |  |  | 608 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 75 |  |  |  | 136 |  |  |  | 365 |
2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 65 |  |  |  | 90 |
2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 8,349 |
All outstanding liabilities before 2010, net of reinsurance |  |  |  | 441 |
Liabilities for losses, claims and loss adjustment expenses, net of reinsurance |  |  | $ | 3,038 |
Surety [Member] |
Insurance Reserves and Policyholder Funds [Abstract] |
Information About Incurred and Paid Claims Development | The following is information, by significant product lines, about incurred and paid claims development as of December 31, 2019, net of reinsurance, as well as the cumulative number of reported claims and the total of IBNR reserves plus expected development on reported claims included within the net incurred claims amounts. The information presented for the years ended December 31, 2015 and prior is presented as supplementary information and is unaudited.
Surety |  |  |  |
|  | For the Years Ended December 31, |  |  | As of December 31, 2019 |
|  | Incurred Losses, Claims and Allocated Loss Adjustment Expenses, Net of Reinsurance |  |  | IBNR Reserves |  |  | Cumulative Number of Reported Claims |
Accident Year |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2018 |  |  | 2019 |
2010 |  | $ | 3,995 |  |  | $ | 4,624 |  |  | $ | 3,618 |  |  | $ | 3,396 |  |  | $ | 3,607 |  |  | $ | 3,549 |  |  | $ | 3,563 |  |  | $ | 3,534 |  |  | $ | 3,530 |  |  | $ | 3,525 |  |  | $ | - |  |  |  | 95 |
2011 |  |  |  |  |  |  | 4,422 |  |  |  | 4,786 |  |  |  | 5,080 |  |  |  | 5,092 |  |  |  | 4,966 |  |  |  | 5,031 |  |  |  | 5,112 |  |  |  | 5,111 |  |  |  | 5,112 |  |  |  | - |  |  |  | 126 |
2012 |  |  |  |  |  |  |  |  |  |  | 4,979 |  |  |  | 4,767 |  |  |  | 5,396 |  |  |  | 5,345 |  |  |  | 4,869 |  |  |  | 4,880 |  |  |  | 4,892 |  |  |  | 4,925 |  |  |  | 2 |  |  |  | 89 |
2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3,060 |  |  |  | 2,007 |  |  |  | 2,743 |  |  |  | 2,947 |  |  |  | 2,866 |  |  |  | 2,809 |  |  |  | 2,765 |  |  |  | - |  |  |  | 58 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3,214 |  |  |  | 3,130 |  |  |  | 2,990 |  |  |  | 2,760 |  |  |  | 2,685 |  |  |  | 2,617 |  |  |  | 5 |  |  |  | 54 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,902 |  |  |  | 1,630 |  |  |  | 1,400 |  |  |  | 1,359 |  |  |  | 1,406 |  |  |  | 47 |  |  |  | 50 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3,314 |  |  |  | 1,812 |  |  |  | 1,865 |  |  |  | 1,876 |  |  |  | - |  |  |  | 46 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4,677 |  |  |  | 3,671 |  |  |  | 3,799 |  |  |  | 79 |  |  |  | 58 |
2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3,528 |  |  |  | 1,938 |  |  |  | 236 |  |  |  | 62 |
2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2,130 |  |  |  | 1,699 |  |  |  | 29 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 30,093 |  |  |  |  |  |  |  |  |
|  | Cumulative Paid Losses, Claims and Allocated Loss Adjustment Expenses, Net of Reinsurance |
Accident Year |  | 2010 |  |  | 2011 |  |  | 2012 |  |  | 2013 |  |  | 2014 |  |  | 2015 |  |  | 2016 |  |  | 2017 |  |  | 2018 |  |  | 2019 |
2010 |  | $ | 928 |  |  | $ | 2,193 |  |  | $ | 2,780 |  |  | $ | 2,943 |  |  | $ | 3,252 |  |  | $ | 3,545 |  |  | $ | 3,560 |  |  | $ | 3,534 |  |  | $ | 3,530 |  |  | $ | 3,525 |
2011 |  |  |  |  |  |  | 1,031 |  |  |  | 3,207 |  |  |  | 4,622 |  |  |  | 4,748 |  |  |  | 4,939 |  |  |  | 5,022 |  |  |  | 5,109 |  |  |  | 5,111 |  |  |  | 5,112 |
2012 |  |  |  |  |  |  |  |  |  |  | 2,257 |  |  |  | 4,581 |  |  |  | 4,856 |  |  |  | 5,331 |  |  |  | 4,869 |  |  |  | 4,880 |  |  |  | 4,878 |  |  |  | 4,916 |
2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 323 |  |  |  | 1,010 |  |  |  | 1,369 |  |  |  | 2,763 |  |  |  | 2,789 |  |  |  | 2,749 |  |  |  | 2,765 |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,331 |  |  |  | 2,327 |  |  |  | 2,727 |  |  |  | 2,739 |  |  |  | 2,664 |  |  |  | 2,593 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 641 |  |  |  | 856 |  |  |  | 1,127 |  |  |  | 1,125 |  |  |  | 1,128 |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,054 |  |  |  | 1,732 |  |  |  | 1,772 |  |  |  | 1,873 |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,971 |  |  |  | 3,255 |  |  |  | 3,523 |
2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,157 |  |  |  | 1,454 |
2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 259 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 27,148 |
All outstanding liabilities before 2010, net of reinsurance |  |  |  | - |
Liabilities for losses, claims and loss adjustment expenses, net of reinsurance |  |  | $ | 2,945 |

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