2008 market direct premiums share reports · introduction these 2008 market share reports for...

2008 Market

Share Reports

for Property/Casualty Insurance

Groups and Companies

Top 10 By Line By State

Top 125 By Line Countrywide

DIRECT

PREMIUMS

MARKET

SHARE

CUMULATIVE

MARKET

SHARE

2008 Market Share Reports

for the Top 125 Property/Casualty

Insurance Groups and Companies

By State and Countrywide

2009

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© 2009 National Association of Insurance Commissioners. All rights reserved.

ISBN: 978-1-59917-268-2

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Companion Products

Statistical Compilation of Annual Statement Information

The Statistical Compilation provides aggregate annual statement data for

property/casualty, life/health insurance companies, all HMOs and companies

that write accident and health insurance and file annual statements with the

NAIC. Divided into three sections — Annual Statement Financial Data, State

and Countrywide Insurance Data, and Selected Data Elements from Company

and Combined Statements — the information provided will satisfy a wide

range of needs and uses. Updated annually.

Statistical Handbook of Data Available to Insurance Regulators

Insurance regulators use statistical data to evaluate the rates and rating s

tructures used by insurers in their respective jurisdictions. This publication

describes the collection, compilation and reporting of insurance statistical

information. The procedures and reports described in this handbook are

consistent with the NAIC Model Regulation to Require Reporting of Financial

and Statistical Data by Property and Casualty Insurance Companies, as

well as the minimum uniform statistical plans and model report formats

recommended by the NAIC’s Statistical Information Task Force.

Copyright 2004.

Profitability by Line by State

Statistics derived from state page data in the annual statement and the

Insurance Expense Exhibit can be used to compare profitability among

different states and property/casualty lines. For each line and each state,

this publication presents aggregate statistics on premiums, losses,

expenses, investment income and estimated profits for the preceding

calendar year. Also shows estimated underwriting profits and operating

profits, as well as estimated federal taxes. Updated annually.

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2008 Market Share Reports for Property/Casualty Groups and Companies

TABLE OF CONTENTS

Introduction ........................................................................................................................ 1 Table of Cumulative Countrywide Market Share........................................................... 3 Table of Direct Loss Ratios by Line of Business.............................................................. 5 Direct Written Premium Trend Graph ............................................................................ 9 2008 Market Share Reports By Line of Business Countrywide and By State Line Number

35 Total All Lines....................................................................1101 Fire ......................................................................................2702.1 Allied Lines.........................................................................4302.2 Multiple Peril Crop............................................................5902.3 Federal Flood .....................................................................7103 Farmowners Multiple Peril...............................................8504 Homeowners Multiple Peril ..............................................9905.1 + 05.2 Total Commercial Multi-Peril ........................................11506 Mortgage Guaranty .........................................................13108 Ocean Marine...................................................................14309 Inland Marine ..................................................................15910 Financial Guaranty..........................................................17511 Medical Malpractice ........................................................18512 Earthquake.......................................................................20116 Workers’ Compensation .................................................21717.1 Other Liability .................................................................23317.3 Excess Workers’ Compensation .....................................24918 Products Liability ............................................................26319.1 + 19.2 Private Passenger Auto Liability....................................27921.1 Private Passenger Auto Physical Damage .....................29519.1 + 19.2 + 21.1 Total Private Passenger Auto .........................................31119.3 + 19.4 Commercial Auto Liability .............................................32721.2 Commercial Auto Physical Damage...............................34319.3 + 19.4 + 21.2 Total Commercial Auto...................................................35922 Aircraft (All Perils) ..........................................................37523 Fidelity ..............................................................................38924 Surety ................................................................................40526 Burglary and Theft ..........................................................42127 Boiler and Machinery......................................................43728 Credit ................................................................................45330 Warranty ..........................................................................46734 Aggregate Write-Ins for Other Lines of Business.........481

Technical Notes............................................................................................................... 495

Index of Insurer Groups and Companies..................................................................... 501

©2009 National Association of Insurance Commissioners

INTRODUCTION These 2008 Market Share Reports for Property/Casualty Groups and Companies are intended to make property and casualty market share information more readily available. Direct Written Premiums are taken from the “Exhibit of Premiums and Losses” (page 19–Statutory Page 14) in the NAIC property and casualty annual statement. In the Workers’ Compensation and Total All Lines sections of this report, Direct Written Premiums includes prior-year state fund premium data reported directly to the NAIC for the following states: Montana, North Dakota, Ohio, South Carolina, and Washington. In the Fire, Homeowners, Allied and Total All Lines sections of this report, Direct Written Premiums includes estimated 2008 premium data reported directly to the NAIC from the Louisiana state-run property insurer of last resort. Accordingly, for purposes of this report, “group” refers to those companies with a common NAIC group code. Companies that are not part of a group are identified by their individual NAIC company code. Market share by group, rather than by individual company, was selected on the basis that groups more accurately reflect the number of distinct entities that are competing against one another for business in the market. An index listing the individual insurers within a group is included at the end of the report. Insurers continuously merge, change names, and buy and sell companies; however, the index gives a “snap shot” view of group structures included in this report as filed with the NAIC by the date this report was generated. Market shares for 30 lines of business in 58 jurisdictions are included. The top 125 groups and companies countrywide are shown for each line of business. By state, the report is limited to the top 10 groups and companies in order to keep the publication to a manageable size. Market shares for the individual accident and health lines of business are not included in this report. Accident and health insurance data are reported to the NAIC on four annual statements: property/casualty, life/health, fraternal and health. Market share information for accident and health coverages is included in a separate publication, Market Share Reports for the Top 125 Accident and Health Insurers. That publication combines accident and health data from all four annual statement types. (Note: The “Total All Lines” market share in this publication represents Total Line 35 as reported on annual statement page 19 and, therefore, will include accident and health data.) For the premium-only pages, Commercial Multi-Peril (CMP) is shown in total only, as the distinction between the property and liability portions of CMP are meaningful for analysis of loss development, but less so for analysis of market share. No Fault and Liability coverages are combined for both private passenger and commercial auto due to inconsistent reporting of No Fault data among the various companies and states. This report format may not satisfy all needs for market share information; however, a report containing the top 10 writers by state (and the top 125 countrywide) should have general utility. The report provides cumulative market share data for the top 10 writers, which is one indicator of the degree of market concentration in a line of business. The report also provides the countrywide and by-state direct loss ratios for the top writers in each line of business, as well as a countrywide and by-state “total industry” loss ratio for each. Tables displaying the cumulative market shares and the direct loss ratios for each line of business on a countrywide basis follow this introduction. Starting with the 2005 edition, premium earned and incurred losses were added to the table displaying the direct loss ratios for each line of business. The 2008 edition includes Direct Defense and Cost Containment Expense Incurred to Earned Premium ratios. These figures include only data taken from the “Exhibit of Premiums and Losses” (page 20–Statutory Page 14) in the NAIC property and casualty annual statement.

©2009 National Association of Insurance Commissioners1

The loss ratios in this report reflect a simple calendar-year result. Loss ratios are reported as N/A for groups and companies with zero or negative earned premiums. While these loss ratios provide some information about results for that year, they should not be considered as measures of overall profitability. Many other factors, including expenses and investment income, are used in developing profitability measures. Many property lines, such as earthquake, homeowners, allied lines and inland marine, are subject to extreme fluctuations in results, due in particular to the occurrence of major catastrophes such as tornadoes, earthquakes and civil disturbances. For further analysis of the profitability of lines of business, refer to the NAIC Report on Profitability By Line By State. That report is also on a calendar-year basis, but it includes a 10-year aggregation of results. For lines not specifically included in the Report on Profitability, the NAIC Statistical Compilation of Annual Statement Information for Property/Casualty Companies contains a countrywide, calendar-year industry aggregation of the Insurance Expense Exhibit (IEE). If you have any questions regarding this report, please contact Joe Bieniek at the NAIC at (816) 783-8226 or Sara Robben at (816) 783-8230. Additional copies of this report can be obtained from:

NAIC CENTRAL OFFICE

2301 McGee Street, Suite 800

Kansas City, MO 64108-2604

Telephone (816) 783-8300 Fax: (816) 460-7593 Email: [email protected]


2008 CUMULATIVE COUNTRYWIDE MARKET SHARE OF TOP TEN GROUPS AND COMPANIES

BY LINE OF BUSINESS (In descending order of 2008 market share)

LINE OF BUSINESS 2008

CUMUL. MARKET

SHARE

2007 CUMUL. MARKET

SHARE

2006 CUMUL. MARKET

SHARE

2005 CUMUL. MARKET

SHARE

2004 CUMUL. MARKET

SHARE 10 Financial Guaranty 100.49 99.95 99.97 99.94 99.9306 Mortgage Guaranty 100.00 100.00 100.00 100.00 100.00

17.3 Excess Workers' Compensation (split out in 2008) 89.32 N/A N/A N/A N/A

23 Fidelity 88.35 89.93 93.04 89.35 90.2930 Warranty (new in 2008) 86.25 N/A N/A N/A N/A22 Aircraft 85.74 90.81 90.69 93.65 92.0227 Boiler and Machinery 85.21 85.74 86.26 87.74 88.8002.2 Multiple Peril Crop 83.96 83.93 83.36 84.87 82.2226 Burglary and Theft 83.01 82.49 86.08 80.34 78.1602.3 Federal Flood 79.19 79.29 79.85 78.92 79.7428 Credit 75.11 76.80 74.44 73.78 71.5619.1, 19.2 Private Passenger Auto Liability 66.93 64.82 64.21 63.64 62.69

17 Other Liability N/A 58.67 57.89 58.48 59.5917.1 Other Liability (split out in 2008) 56.99 N/A N/A N/A N/A24 Surety 67.69 65.99 65.09 63.68 64.2108 Ocean Marine 67.14 66.43 68.72 70.47 71.47

34 Aggregate Write-ins (was 33 in previous years) 67.05 64.37 66.52 67.98 65.26

21.1 Private Passenger Auto Physical Damage 66.94 64.92 64.18 63.35 62.1919.1, 19.2, 19.3

Total Private Passenger Auto 66.82 64.82 64.09 63.45 62.38

12 Earthquake 64.64 63.16 57.46 60.54 62.5204 Homeowners Multi-Peril 63.25 62.93 63.12 63.88 63.9201 Fire 60.76 57.39 55.80 50.67 54.7009 Inland Marine 60.42 59.63 56.59 56.26 59.5702.1 Allied Lines 59.76 60.72 58.93 51.05 52.5318 Products Liability 55.61 57.72 60.52 62.30 66.1105 Total Commercial Multi-Peril 51.98 49.75 49.03 49.30 49.6916 Workers' Compensation 50.37 50.85 52.61 52.93 54.8335 Total All Lines (was 34 in previous years) 48.33 47.31 47.25 47.26 46.9119.3, 19.4 Commercial Auto Liability 47.84 46.63 45.81 45.66 45.74

11 Medical Malpractice 46.10 46.08 45.59 45.17 46.7519.3, 19.4, 21.2

Total Commercial Auto 45.82 44.14 44.29 43.91 43.90

03 Farmowners Multi-Peril 45.36 44.42 43.72 43.08 43.60021.2 Commercial Auto Physical Damage 44.18 42.71 43.58 42.56 41.40

*Premium totals include negative written premiums, so cumulative market share can be greater than 100 percent.


PROPERTY AND CASUALTY INSURANCE INDUSTRY2008 MARKET SHARE REPORT

Direct Loss Ratios by Line Of Business

Premium

2008

DirectLosses

Line of Business Earned

2007 2006 2005 2004

Countrywide

(In Millions)

PremiumDirectLosses

EarnedPremium

DirectLosses

EarnedPremium

DirectLosses

EarnedPremium

DirectLosses

Earned

35. Total all LOB (includes lines not shown on this report)

66.36

$499,501.2 $331,475.7 $505,613.6 $493,168.9 $482,915.6 $469,691.7$272,075.1 $255,460.6 $323,611.6 $285,351.7

53.81 51.80 67.01 60.75Loss Ratios

1. Fire

51.82

$12,310.1 $6,378.7 $12,182.7 $10,884.4 $9,235.8 $9,669 2$4,218.8 $4,443.3 $5,125.1 $3,515 3

34.63 40.82 55.49 36.36Loss Ratios

2.1 Allied lines

73.99

$11,247.5 $8,322.1 $11,291.5 $8,345.7 $7,598.5 $7,363 2$3,963.4 $2,897.2 $17,033.2 $6,387.4

35.10 34.72 224.16 86.75Loss Ratios

2.2 Multiple peril crop

73.70

$10,024.8 $7,388.3 $6,597.4 $4,781.8 $3,873.9 $4,157 9$3,809.6 $3,063.9 $2,094.4 $2,992 3

57.74 64.08 54.06 71.97Loss Ratios

2.3 Federal flood

110.80

$2,589.1 $2,868.6 $2,444.3 $2,133.7 $1,861.6 $1,700 1$297.9 $1,907.5 $16,237.2 $1,681 5

12.19 89.40 872.23 98.90Loss Ratios

3. Farmowners multiple peril

82.69

$2,657.4 $2,197.4 $2,549.7 $2,454.0 $2,360.4 $2,236.0$1,481.9 $1,455.6 $1,246.2 $1,265 9

58.12 59.31 52.80 56.62Loss Ratios

4. Homeowners multiple peril

70.73

$65,043.5 $46,008.3 $64,182.9 $58,925.1 $55,687.0 $51,088.5$32,306.3 $28,421.8 $41,812.4 $33,680.6

50.33 48.23 75.08 65.93Loss Ratios

Total commercial peril

55.67

$35,474.8 $19,749.3 $36,296.8 $35,622.1 $33,890.0 $32,687.3$15,129.4 $15,050.1 $20,225.6 $17,286.7

41.68 42.25 59.68 52.89Loss Ratios

5.1 Commercial multiple peril (non-liability portion)

64.41

$22,014.7 $14,179.8 $22,095.9 $21,214.4 $20,169.8 $19,738.4$9,660.9 $8,848.1 $13,990.8 $10,694.1

43.72 41.71 69.37 54.18Loss Ratios

5.2 Commercial multiple peril (liability portion)

41.38

$13,460.1 $5,569.6 $14,200.8 $14,407.7 $13,720.2 $12,948.8$5,468.5 $6,202.0 $6,234.8 $6,592.6

38.51 43.05 45.44 50.91Loss Ratios

6. Mortgage guaranty

212.80

$6,384.3 $13,586.0 $5,877.2 $5,361.6 $5,091.2 $5,039 9$5,502.5 $2,209.7 $1,833.1 $2,007.7

93.62 41.21 36.00 39.84Loss Ratios

8. Ocean marine

65.73

$3,968.1 $2,608.1 $3,841.9 $3,606.6 $3,331.1 $3,218 2$1,788.2 $2,376.6 $2,979.4 $1,909.6

46.54 65.90 89.44 59.34Loss Ratios

*Loss Ratio = [(Incurred Losses/Earned Premiums) * 100]These loss ratios represent the results for a calendar year and should not be considered as measures of overall profitability of a line of insurance.




Premium

2008

DirectLosses


2007 2006 2005 2004

Countrywide

(In Millions)

PremiumDirectLosses

EarnedPremium

DirectLosses

EarnedPremium

DirectLosses

EarnedPremium

DirectLosses

Earned

9. Inland marine

51.28

$14,960.8 $7,671.9 $15,201.6 $13,781.2 $12,340.7 $12,011.8$5,377.3 $6,110.6 $8,438.5 $5,117.6

35.37 44.34 68.38 42.60Loss Ratios

10. Financial guaranty

479.63

$4,011.2 $19,239.1 $3,023.0 $2,725.3 $2,685.8 $2,474 1$3,948.9 $199.6 $296.5 $391.7

130.63 7.32 11.04 15.83Loss Ratios

11. Medical malpractice

34.99

$11,368.5 $3,977.3 $11,734.4 $12,177.1 $11,941.9 $11,583.1$4,877.7 $5,205.1 $6,194.7 $7,268 2

41.57 42.74 51.87 62.75Loss Ratios

12. Earthquake

(1.04)

$1,989.3 ($20.7) $2,084.0 $1,847.7 $1,625.4 $1,549.7($38.8) $38.2 $242.9 $178 5

(1.86) 2.07 14.94 11.52Loss Ratios

16. Workers' compensation

63.02

$46,669.8 $29,412.7 $51,113.9 $53,889.8 $54,096.2 $52,823.6$30,917.6 $32,020.6 $34,729.0 $35,643.5

60.49 59.42 64.20 67.48Loss Ratios

17.1 Other liability

52.94

$51,308.1 $27,160.3 $54,347.3 $54,030.3 $52,986.2 $50,758.7$27,230.9 $27,797.9 $33,971.8 $36,375.4

50.11 51.45 64.11 71.66Loss Ratios

17.3 Excess workers' compensation

94.49

$1,069.7 $1,010.8

Loss Ratios

18. Products liability

70.85

$3,609.5 $2,557.5 $4,253.9 $4,483.0 $4,482.0 $4,216 3$1,658.8 $1,396.0 $2,676.1 $4,036.7

38.99 31.14 59.71 95.74Loss Ratios

Total Private Passenger

63.71

$164,322.0 $104,686.7 $165,132.6 $164,591.6 $163,900.1 $161,702.5$101,193.3 $95,214.4 $98,373.6 $94,865.2

61.28 57.85 60.02 58.67Loss Ratios

19.1 Private passenger auto no-fault (personal injury protection)

84.41

$11,417.9 $9,638.0 $11,613.8 $11,803.2 $12,029.6 $11,710.6$8,952.4 $8,127.5 $9,954.3 $8,955.0

77.08 68.86 82.75 76.47Loss Ratios

19.2 Other private passenger auto liability

63.37

$85,562.5 $54,217.3 $86,052.9 $85,783.7 $84,979.8 $83,463.3$53,317.5 $49,828.7 $50,353.1 $50,560.5

61.96 58.09 59.25 60.58Loss Ratios

21.1 Private passenger auto physical damage

60.63

$67,341.5 $40,831.4 $67,466.0 $67,004.6 $66,890.7 $66,528.5$38,923.4 $37,258.2 $38,066.2 $35,349.7

57.69 55.61 56.91 53.13Loss Ratios





Premium

2008

DirectLosses


2007 2006 2005 2004

Countrywide

(In Millions)

PremiumDirectLosses

EarnedPremium

DirectLosses

EarnedPremium

DirectLosses

EarnedPremium

DirectLosses

Earned

Total Commercial Auto

54.78

$27,876.6 $15,269.6 $29,458.0 $30,602.2 $30,419.0 $30,192.9$15,627.4 $15,968.0 $16,108.2 $16,092.7

53.05 52.18 52.95 53.30Loss Ratios

19.3 Commercial auto no-fault (personal injury protection)

49.64

$667.4 $331.3 $712.0 $739.1 $681.1 $698.4$450.8 $439.4 $430.1 $396.6

63.31 59.45 63.15 56.79Loss Ratios

19.4 Other commercial auto liability

53.96

$20,383.0 $10,997.8 $21,511.2 $22,124.0 $22,027.3 $21,787.4$11,491.0 $11,621.4 $11,816.3 $12,079.7

53.42 52.53 53.64 55.44Loss Ratios

21.2 Commercial auto physical damage

57.73

$6,826.1 $3,940.5 $7,234.8 $7,739.0 $7,710.7 $7,707 1$3,685.7 $3,907.2 $3,861.8 $3,616.4

50.94 50.49 50.08 46.92Loss Ratios

22. Aircraft (all perils)

44.97

$2,054.1 $923.8 $3,024.9 $3,069.2 $2,855.0 $3,010.8$1,605.9 $1,095.2 $1,428.2 $1,076.0

53.09 35.68 50.02 35.74Loss Ratios

23. Fidelity

41.83

$1,230.1 $514.5 $1,304.0 $1,285.8 $1,352.9 $1,349.6$470.0 $472.9 $558.1 $591.4

36.04 36.78 41.25 43.82Loss Ratios

24. Surety

12.16

$5,423.2 $659.7 $5,215.0 $4,791.9 $4,407.8 $4,132 3$951.7 $754.4 $1,758.6 $2,480.0

18.25 15.74 39.90 60.02Loss Ratios

26. Burglary and theft

17.91

$175.1 $31.4 $171.3 $201.1 $133.1 $130.6$28.3 $33.7 $26.0 $34.2

16.50 16.75 19.51 26.23Loss Ratios

27. Boiler and Machinery

42.07

$1,231.8 $518.2 $1,206.1 $1,212.4 $1,203.8 $1,218.4$374.8 $414.5 $225.5 $266.6

31.08 34.19 18.73 21.88Loss Ratios

28. Credit

139.69

$1,564.9 $2,186.1 $1,629.7 $1,069.0 $956.4 $816.6$1,465.6 $462.3 $419.4 $398.8

89.93 43.25 43.85 48.83Loss Ratios

30. Warranty

78.84

$2,450.3 $1,931.8

Loss Ratios



Direct Written Premium Trend 1998 - 2008

0

100

200

300

400

500

600

1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008

In B

illio

ns

-3.0%

-1.0%

1.0%

3.0%

5.0%

7.0%

9.0%

11.0%

13.0%

15.0%

17.0%

Perc

ent

DWP Growth Rate


35—Total All Lines


PROPERTY AND CASUALTY INSURANCE INDUSTRY2008 MARKET SHARE REPORT BY STATE AND COUNTRYWIDE

By Group35-Total All Lines

STATEWP

RANK

GROUP/COMPANY

CODE GROUP/COMPANY NAME

DIRECTPREMIUMSWRITTEN

(000)

DIRECTPREMIUMS

EARNED(000)

MARKETSHARE

%

CUMULATIVEMARKETSHARE %

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

Countrywide 1 176 STATE FARM GRP 49,944,110 49,453,794 9 97 9 97 74 05 76 782 12 AMERICAN INTL GRP 32,088,391 33,672,985 6 40 16 37 78 04 86 783 212 ZURICH INS GRP 28,157,388 27,874,637 5 62 21 99 65 74 70 704 8 ALLSTATE INS GRP 26,880,105 27,181,919 5 36 27 35 61 94 64 225 111 LIBERTY MUT GRP 26,331,558 26,318,540 5 25 32 60 60 85 65 716 3548 TRAVELERS GRP 21,807,760 21,867,657 4 35 36 95 48 11 54 587 31 BERKSHIRE HATHAWAY GRP 16,225,292 15,488,700 3 24 40 19 61 35 65 658 140 NATIONWIDE CORP GRP 15,826,371 15,811,246 3 16 43 35 63 24 66 149 155 PROGRESSIVE GRP 13,776,835 13,811,356 2 75 46 10 61 34 62 9010 91 HARTFORD FIRE & CAS GRP 11,049,581 11,127,687 2 20 48 30 53 68 58 5711 38 CHUBB & SON INC GRP 9,836,727 9,870,489 1 96 50 27 43 82 53 1712 200 UNITED SERV AUTOMOBILE ASSN GRP 9,575,491 9,444,699 1 91 52 18 69 24 70 8113 626 ACE LTD GRP 8,656,266 8,584,110 1 73 53 90 55 94 64 5814 218 CNA INS GRP 8,528,226 8,053,079 1 70 55 61 62 69 70 1215 761 ALLIANZ INS GRP 6,093,099 6,177,300 1 22 56 82 48 91 53 0016 473 AMERICAN FAMILY INS GRP 5,835,204 5,865,303 1 16 57 99 75 97 78 9617 280 AUTO OWNERS GRP 4,409,411 4,394,309 0 88 58 87 72 46 76 3918 84 AMERICAN FINANCIAL GRP 4,091,750 4,083,728 0 82 59 68 56 97 60 6019 19 ASSURANT INC GRP 3,853,077 3,734,683 0 77 60 45 33 32 33 4720 213 ERIE INS GRP 3,799,902 3,783,652 0 76 61 21 56 63 59 2521 98 WR BERKLEY CORP GRP 3,579,386 3,759,031 0 71 61 92 52 05 59 6522 150 OLD REPUBLIC GRP 3,219,626 3,274,275 0 64 62 57 88 98 94 8223 244 CINCINNATI FIN GRP 3,180,461 3,177,992 0 63 63 20 57 33 62 0524 241 METROPOLITAN GRP 3,050,105 3,067,819 0 61 63 81 53 80 55 1525 1285 XL AMER GRP 3,035,012 3,157,452 0 61 64 41 44 67 54 2426 796 QBE INS GRP 2,978,206 3,099,845 0 59 65 01 47 83 53 1527 88 THE HANOVER INS GRP 2,833,016 2,788,284 0 57 65 57 55 95 59 0528 65 FM GLOBAL GRP 2,800,566 2,876,588 0 56 66 13 85 44 86 0529 10064 CITIZENS PROP INS CORP 2,771,846 3,179,382 0 55 66 69 25 55 26 8630 660 MERCURY GEN GRP 2,728,543 2,788,357 0 54 67 23 59 40 64 7831 1129 WHITE MOUNTAINS GRP 2,698,778 2,643,296 0 54 67 77 52 67 58 7232 1318 AUTO CLUB ENTERPRISES INS GRP 2,574,654 2,564,206 0 51 68 28 58 73 60 7933 1278 CALIFORNIA STATE AUTO GRP 2,350,675 2,413,642 0 47 68 75 52 88 54 6334 79 GMAC INS HOLDING GRP 2,295,392 2,679,262 0 46 69 21 62 20 63 3435 OHIO BUREAU OF WORKERS' COMPENSATION 2,235,092 2,235,092 0 45 69 65 97 57 115 7736 50 COUNTRY INS & FIN SERV GRP 2,108,547 2,108,687 0 42 70 08 65 96 67 2637 215 UNITRIN GRP 1,934,520 1,923,709 0 39 70 46 65 24 67 5738 1330 BALBOA INS GRP 1,919,298 1,858,745 0 38 70 84 36 35 36 8539 169 SENTRY INS GRP 1,903,413 1,945,157 0 38 71 22 62 59 66 5240 677 PHILADELPHIA CONSOLIDATED HOLDING GR 1,882,582 1,784,926 0 38 71 60 50 60 56 1641 228 WESTFIELD GRP 1,811,613 1,826,048 0 36 71 96 59 15 62 2942 1279 ARCH INS GRP 1,790,081 1,861,547 0 36 72 32 56 42 62 1543 361 MUNICH RE GRP 1,765,561 1,706,895 0 35 72 67 47 56 51 6744 816 COMMERCE INC GRP 1,760,458 1,801,225 0 35 73 02 55 46 57 6045 471 WELLS FARGO GRP 1,732,916 1,659,143 0 35 73 37 97 42 97 4246 35076 STATE COMPENSATION INS FUND 1,725,240 1,722,410 0 34 73 71 73 24 78 8447 242 SELECTIVE INS GRP 1,715,140 1,707,503 0 34 74 05 55 87 61 2348 105 MGIC GRP 1,650,132 1,611,314 0 33 74 38 146 28 149 1749 158 FAIRFAX FIN GRP 1,594,022 1,718,425 0 32 74 70 56 68 68 0150 501 ALLEGHANY GRP 1,581,403 1,645,955 0 32 75 02 49 38 48 7751 708 NEW JERSEY MANUFACTURERS GRP 1,468,835 1,479,680 0 29 75 31 62 44 70 0852 175 STATE AUTO MUT GRP 1,468,783 1,434,804 0 29 75 60 64 24 69 0053 483 SOUTHERN FARM BUREAU CAS GRP 1,454,778 1,464,301 0 29 75 89 70 07 71 9054 55 AUTOMOBILE CLUB MI GRP 1,453,336 1,480,934 0 29 76 18 75 67 78 0455 785 MARKEL CORP GRP 1,444,689 1,525,977 0 29 76 47 49 31 55 2456 36102 STATE INS FUND 1,355,121 1,462,132 0 27 76 74 70 84 75 7157 28 AMICA MUT GRP 1,350,095 1,346,891 0 27 77 01 55 50 57 6858 408 AMERICAN NATL FIN GRP 1,271,096 1,281,945 0 25 77 27 72 80 75 8159 253 HARLEYSVILLE GRP 1,245,488 1,262,754 0 25 77 51 55 50 61 0360 181 SWISS RE GRP 1,229,890 1,300,883 0 25 77 76 57 62 72 8461 457 ARGONAUT GRP 1,188,585 1,174,222 0 24 78 00 52 16 60 8962 984 HCC INS HOLDINGS GRP 1,157,814 1,091,804 0 23 78 23 46 12 57 5063 25240 NAU COUNTRY INS CO 1,155,434 1,125,590 0 23 78 46 89 83 89 8364 513 IOWA FARM BUREAU GRP 1,153,211 1,120,166 0 23 78 69 82 40 83 5165 WASHINGTON STATE FUND 1,123,824 1,123,824 0 22 78 91 170 74 174 28




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(000)

DIRECTPREMIUMS

EARNED(000)

MARKETSHARE

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DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

66 267 GRANGE MUT CAS GRP 1,122,229 1,120,771 0 22 79 14 69 63 71 8067 62 EMC INS CO GRP 1,113,346 1,122,560 0 22 79 36 59 39 64 3868 3416 AXIS CAPITAL GRP 1,110,469 1,114,922 0 22 79 58 55 05 58 4969 3786 ENDURANCE GRP 1,084,070 1,001,104 0 22 79 80 82 63 84 8670 7 FEDERATED MUT GRP 1,067,523 1,105,568 0 21 80 01 56 35 60 1371 123 SHELTER INS GRP 1,057,288 1,049,865 0 21 80 22 77 24 78 9172 1135 PMI GRP 1,044,684 1,448,563 0 21 80 43 292 85 292 8573 766 RADIAN GRP 1,009,765 1,072,762 0 20 80 63 273 85 273 9274 5 ALFA INS GRP 977,099 952,982 0 19 80 82 65 12 66 1575 1326 KINGSWAY GRP 936,852 1,076,732 0 19 81 01 63 53 72 0876 2538 AMTRUST GRP 928,583 744,898 0 19 81 20 48 77 55 9777 4011 GENWORTH FIN GRP 904,144 875,258 0 18 81 38 187 20 187 2078 694 TENNESSEE FARMERS GRP 896,171 890,322 0 18 81 56 79 27 81 1279 3495 INFINITY PROP & CAS INS GRP 896,098 926,172 0 18 81 74 60 79 61 0580 572 BCBS OF MI GRP 865,378 856,638 0 17 81 91 58 10 62 4581 3489 DELEK GRP 852,775 810,561 0 17 82 08 76 22 80 6582 1210 MLMIC GRP 841,659 878,112 0 17 82 25 59 45 84 7083 324 NORTH CAROLINA FARM BUREAU GRP 824,564 820,944 0 16 82 41 60 90 61 6284 311 MAIN STREET AMER GRP 816,480 831,542 0 16 82 57 49 47 52 0885 3703 TOWER GRP 810,577 714,104 0 16 82 74 36 75 44 4286 1227 PALISADES GRP 801,479 815,865 0 16 82 89 60 59 61 0387 194 FINANCIAL SECURITY ASSUR HOLDINGS GR 787,594 527,131 0 16 83 05 502 82 502 8288 14184 ACUITY A MUT INS CO 783,483 786,742 0 16 83 21 58 21 63 9489 1243 WEST BEND MUT GRP 782,000 776,115 0 16 83 36 61 50 65 4990 1120 EVEREST REINS HOLDINGS GRP 779,039 840,046 0 16 83 52 57 17 71 5591 22945 TEXAS MUT INS CO 756,894 755,203 0 15 83 67 53 34 60 6492 109 KENTUCKY FARM BUREAU GRP 730,896 722,634 0 15 83 82 91 55 93 0793 510 NAVIGATORS GRP 711,383 696,727 0 14 83 96 50 29 58 3194 783 RLI INS GRP 673,214 695,810 0 13 84 09 27 40 30 4095 831 DOCTORS CO GRP 671,081 683,428 0 13 84 23 21 25 35 0696 291 MOTORISTS MUT GRP 645,943 632,229 0 13 84 36 64 43 68 6297 93 STATE NATL GRP 637,320 637,172 0 13 84 48 55 61 61 1698 201 UTICA GRP 632,470 641,403 0 13 84 61 52 57 68 2299 4 AMERIPRISE FIN GRP 631,271 620,778 0 13 84 74 71 83 73 98100 124 AMERISURE CO GRP 623,542 627,448 0 12 84 86 56 01 68 13101 306 CUNA MUT GRP 618,647 639,122 0 12 84 98 51 88 52 99102 586 ARBELLA INS GRP 618,598 633,814 0 12 85 11 51 34 52 75103 670 FIDELITY NATL FIN GRP 617,738 613,699 0 12 85 23 163 33 164 42104 336 ZENITH NATL INS GRP 605,578 621,763 0 12 85 35 26 03 29 14105 748 MEADOWBROOK INS GRP 591,786 572,224 0 12 85 47 44 88 56 24106 303 GUIDEONE INS GRP 589,304 595,071 0 12 85 59 58 74 63 38107 36 CENTRAL MUT INS CO GRP 583,283 578,575 0 12 85 70 77 40 84 30108 188 SAFETY GRP 573,509 595,673 0 11 85 82 53 04 55 26109 561 GEORGIA FARM BUREAU GRP 569,433 578,155 0 11 85 93 85 44 86 33110 18767 CHURCH MUT INS CO 568,993 572,754 0 11 86 04 68 03 70 14111 300 HORACE MANN GRP 564,820 560,523 0 11 86 16 64 56 65 92112 569 FARMERS MUT HAIL INS GRP 560,000 548,767 0 11 86 27 82 64 82 70113 542 INDIANA FARM BUREAU GRP 545,710 551,404 0 11 86 38 78 93 80 14114 271 PENNSYLVANIA NATL INS GRP 537,878 549,338 0 11 86 48 52 15 56 74115 528 MBIA GRP 524,005 1,011,893 0 10 86 59 340 33 342 75116 767 PENNSYLVANIA MANUFACTURERS GRP 523,922 494,563 0 10 86 69 64 14 70 84117 3239 ALLIED WORLD ASSUR HOLDING GRP 519,366 462,624 0 10 86 80 41 98 52 08118 3382 PRODUCERS LLOYDS GRP 516,196 510,591 0 10 86 90 87 71 89 20119 474 FCCI MUT INS GRP 513,661 515,676 0 10 87 00 50 02 56 39120 4663 UNIVERSAL INS HOLDING GRP 511,370 507,621 0 10 87 11 27 16 27 94121 41190 PINNACOL ASSUR 484,459 494,418 0 10 87 20 51 30 57 81122 248 UNITED FIRE & CAS GRP 484,038 490,840 0 10 87 30 67 53 75 94123 29378 OLD AMER CNTY MUT FIRE INS CO 483,585 485,360 0 10 87 39 54 65 59 18124 3363 EMPLOYERS GRP 480,459 501,137 0 10 87 49 41 25 46 24125 71 UNIVERSAL INS CO GRP 478,143 505,719 0 10 87 59 38 89 40 15

**TOTAL** 501,182,313 504,173,499 100 00 100 00 66 76 71 65

¹ (Direct losses incurred / Direct premiums earned)

² (Direct losses incurred + Direct defense and cost containment expenses incurred) / (Direct premiums earned)






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RANK

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(000)

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EARNED(000)

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DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

Alabama 1 176 STATE FARM GRP 978,526 971,282 14 67 14 67 61 14 63 082 5 ALFA INS GRP 723,462 708,266 10 85 25 52 65 14 65 993 8 ALLSTATE INS GRP 412,438 414,271 6 18 31 70 54 23 55 824 212 ZURICH INS GRP 388,926 368,094 5 83 37 54 50 40 51 245 3548 TRAVELERS GRP 316,031 307,185 4 74 42 27 55 37 60 126 12 AMERICAN INTL GRP 314,121 323,467 4 71 46 98 170 86 180 657 111 LIBERTY MUT GRP 253,366 250,612 3 80 50 78 62 04 67 938 140 NATIONWIDE CORP GRP 227,289 227,074 3 41 54 19 55 02 57 489 155 PROGRESSIVE GRP 202,266 205,453 3 03 57 22 60 51 62 4710 280 AUTO OWNERS GRP 180,619 180,178 2 71 59 93 53 77 60 81

**TOTAL** 6,669,237 6,671,073 100 00 100 00 63 80 67 61

Alaska 1 176 STATE FARM GRP 178,613 177,416 12 19 12 19 59 86 62 812 12 AMERICAN INTL GRP 176,945 184,111 12 08 24 26 16 82 19 623 38733 ALASKA NATL INS CO 133,561 132,618 9 11 33 38 7 09 7 124 111 LIBERTY MUT GRP 122,628 117,809 8 37 41 75 52 19 58 105 8 ALLSTATE INS GRP 120,564 121,165 8 23 49 98 45 48 47 856 31 BERKSHIRE HATHAWAY GRP 93,552 92,847 6 38 56 36 52 92 57 867 200 UNITED SERV AUTOMOBILE ASSN GRP 66,931 66,331 4 57 60 93 61 01 62 998 155 PROGRESSIVE GRP 48,292 47,936 3 30 64 22 47 08 48 189 212 ZURICH INS GRP 45,842 46,547 3 13 67 35 37 36 43 0410 3548 TRAVELERS GRP 30,119 29,252 2 06 69 41 21 18 28 45

**TOTAL** 1,465,325 1,471,930 100 00 100 00 38 26 42 46

Arizona 1 212 ZURICH INS GRP 924,996 933,200 10 80 10 80 50 30 52 012 176 STATE FARM GRP 876,673 870,030 10 24 21 04 61 97 64 403 8 ALLSTATE INS GRP 596,014 611,836 6 96 28 00 48 27 49 634 473 AMERICAN FAMILY INS GRP 431,373 445,233 5 04 33 04 63 38 67 155 12 AMERICAN INTL GRP 397,094 415,922 4 64 37 67 108 10 119 976 4485 SCF GRP 383,100 412,657 4 47 42 15 111 18 113 187 111 LIBERTY MUT GRP 375,876 366,228 4 39 46 53 51 99 56 298 155 PROGRESSIVE GRP 320,527 322,463 3 74 50 28 56 77 57 799 31 BERKSHIRE HATHAWAY GRP 312,508 315,925 3 65 53 93 53 16 55 5510 91 HARTFORD FIRE & CAS GRP 308,514 308,367 3 60 57 53 53 38 58 24

**TOTAL** 8,563,784 8,718,502 100 00 100 00 61 32 64 99

Arkansas 1 176 STATE FARM GRP 513,537 507,097 13 02 13 02 99 22 100 352 212 ZURICH INS GRP 244,026 242,733 6 19 19 20 85 62 88 913 483 SOUTHERN FARM BUREAU CAS GRP 224,156 227,913 5 68 24 88 71 32 72 024 12 AMERICAN INTL GRP 212,372 214,782 5 38 30 27 97 46 109 515 13757 FARM BUREAU MUT INS CO OF AR INC 195,452 192,252 4 95 35 22 135 38 136 086 123 SHELTER INS GRP 185,119 183,268 4 69 39 91 95 90 97 367 8 ALLSTATE INS GRP 175,636 173,745 4 45 44 37 91 21 92 468 3548 TRAVELERS GRP 170,975 167,801 4 33 48 70 64 51 69 429 111 LIBERTY MUT GRP 129,526 133,262 3 28 51 98 69 28 73 3810 140 NATIONWIDE CORP GRP 129,397 128,260 3 28 55 26 73 08 73 81

**TOTAL** 3,945,186 3,927,801 100 00 100 00 83 27 86 79

California 1 212 ZURICH INS GRP 6,032,233 5,996,918 10 43 10 43 51 82 58 402 176 STATE FARM GRP 4,724,082 4,660,565 8 17 18 60 59 64 63 413 12 AMERICAN INTL GRP 4,327,693 4,724,831 7 48 26 09 78 22 88 244 111 LIBERTY MUT GRP 2,958,617 2,995,770 5 12 31 20 51 15 56 855 8 ALLSTATE INS GRP 2,679,085 2,831,205 4 63 35 84 55 06 57 926 660 MERCURY GEN GRP 2,169,705 2,213,034 3 75 39 59 57 61 61 947 3548 TRAVELERS GRP 2,103,166 2,080,512 3 64 43 23 41 58 50 388 1318 AUTO CLUB ENTERPRISES INS GRP 2,088,719 2,089,317 3 61 46 84 55 75 57 539 1278 CALIFORNIA STATE AUTO GRP 1,967,127 2,052,214 3 40 50 24 49 77 51 4110 35076 STATE COMPENSATION INS FUND 1,725,240 1,722,410 2 98 53 23 73 24 78 84

**TOTAL** 57,820,288 58,997,146 100 00 100 00 57 73 64 25

Colorado 1 176 STATE FARM GRP 966,569 945,949 11 80 11 80 65 17 67 192 212 ZURICH INS GRP 854,882 851,012 10 43 22 23 59 80 62 343 473 AMERICAN FAMILY INS GRP 518,694 524,330 6 33 28 56 59 96 62 394 41190 PINNACOL ASSUR 484,459 494,418 5 91 34 47 51 30 57 815 3548 TRAVELERS GRP 418,781 414,513 5 11 39 59 48 64 55 64




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GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

MARKETSHARE

%


DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

6 8 ALLSTATE INS GRP 394,352 393,345 4 81 44 40 45 18 46 087 111 LIBERTY MUT GRP 391,204 390,512 4 77 49 17 49 09 52 638 12 AMERICAN INTL GRP 357,221 376,709 4 36 53 53 83 31 93 159 91 HARTFORD FIRE & CAS GRP 284,245 287,454 3 47 57 00 49 84 49 3710 200 UNITED SERV AUTOMOBILE ASSN GRP 279,360 273,678 3 41 60 41 66 40 68 17

**TOTAL** 8,193,366 8,202,963 100 00 100 00 57 75 61 83

Connecticut 1 111 LIBERTY MUT GRP 710,653 698,158 10 40 10 40 52 28 55 732 3548 TRAVELERS GRP 646,442 638,810 9 46 19 86 27 39 35 293 91 HARTFORD FIRE & CAS GRP 481,924 490,626 7 05 26 91 49 85 53 264 8 ALLSTATE INS GRP 443,509 451,266 6 49 33 40 44 30 46 715 12 AMERICAN INTL GRP 356,547 321,053 5 22 38 62 92 67 107 556 38 CHUBB & SON INC GRP 329,653 332,905 4 82 43 45 40 38 45 647 31 BERKSHIRE HATHAWAY GRP 299,181 294,972 4 38 47 82 71 80 75 818 140 NATIONWIDE CORP GRP 230,851 229,483 3 38 51 20 54 01 56 799 155 PROGRESSIVE GRP 210,802 217,435 3 08 54 29 53 78 56 3110 212 ZURICH INS GRP 184,516 179,506 2 70 56 99 30 76 32 34

**TOTAL** 6,833,169 6,774,834 100 00 100 00 50 97 55 35

Delaware 1 12 AMERICAN INTL GRP 601,155 594,455 23 98 23 98 106 21 108 152 176 STATE FARM GRP 200,959 198,994 8 02 32 00 69 73 72 703 34215 NUCLEAR ELECTRIC INS LTD 180,113 181,731 7 19 39 19 203 77 203 454 140 NATIONWIDE CORP GRP 178,428 177,129 7 12 46 30 65 17 66 465 111 LIBERTY MUT GRP 136,473 136,543 5 44 51 75 54 88 59 066 31 BERKSHIRE HATHAWAY GRP 106,245 89,358 4 24 55 99 79 96 90 497 3548 TRAVELERS GRP 80,067 83,800 3 19 59 18 71 87 80 338 91 HARTFORD FIRE & CAS GRP 73,752 75,380 2 94 62 12 41 24 45 539 8 ALLSTATE INS GRP 57,531 57,873 2 30 64 42 33 02 33 6010 212 ZURICH INS GRP 55,883 55,970 2 23 66 65 31 14 52 35

**TOTAL** 2,506,551 2,510,592 100 00 100 00 133 31 136 70

District of Columbia 1 12 AMERICAN INTL GRP 223,644 235,131 13 42 13 42 91 54 98 492 3548 TRAVELERS GRP 158,236 161,634 9 50 22 92 29 85 41 053 31 BERKSHIRE HATHAWAY GRP 110,302 93,279 6 62 29 54 57 90 63 344 38 CHUBB & SON INC GRP 92,672 96,048 5 56 35 10 23 36 33 595 1135 PMI GRP 91,509 100,685 5 49 40 59 42 07 42 076 176 STATE FARM GRP 89,608 89,320 5 38 45 97 61 51 63 047 91 HARTFORD FIRE & CAS GRP 87,291 86,696 5 24 51 21 20 41 21 968 111 LIBERTY MUT GRP 69,279 71,587 4 16 55 37 43 07 48 429 150 OLD REPUBLIC GRP 60,163 58,993 3 61 58 98 269 55 276 2510 626 ACE LTD GRP 47,454 40,003 2 85 61 82 50 09 47 41

**TOTAL** 1,666,267 1,673,425 100 00 100 00 64 48 70 05

Florida 1 176 STATE FARM GRP 4,287,388 4,439,431 11 22 11 22 65 36 68 832 10064 CITIZENS PROP INS CORP 2,771,846 3,179,382 7 25 18 47 25 55 26 863 8 ALLSTATE INS GRP 2,179,557 2,218,645 5 70 24 18 60 18 63 544 12 AMERICAN INTL GRP 2,125,222 2,269,148 5 56 29 74 70 37 77 505 31 BERKSHIRE HATHAWAY GRP 1,986,449 1,961,405 5 20 34 94 56 77 60 226 111 LIBERTY MUT GRP 1,656,724 1,699,351 4 34 39 27 46 75 51 837 155 PROGRESSIVE GRP 1,632,808 1,639,919 4 27 43 55 64 63 65 458 212 ZURICH INS GRP 1,260,525 1,276,817 3 30 46 84 38 04 43 059 3548 TRAVELERS GRP 1,040,110 1,098,665 2 72 49 57 30 63 36 5510 200 UNITED SERV AUTOMOBILE ASSN GRP 996,296 1,013,907 2 61 52 17 55 32 57 03

**TOTAL** 38,213,035 39,414,537 100 00 100 00 50 59 54 77

Georgia 1 176 STATE FARM GRP 1,913,741 1,898,722 13 97 13 97 79 60 81 582 8 ALLSTATE INS GRP 1,036,757 1,031,030 7 57 21 54 75 37 76 843 3548 TRAVELERS GRP 751,536 752,704 5 49 27 02 58 58 63 454 111 LIBERTY MUT GRP 728,374 734,431 5 32 32 34 70 82 75 715 155 PROGRESSIVE GRP 700,249 720,254 5 11 37 45 57 92 58 836 12 AMERICAN INTL GRP 650,469 671,286 4 75 42 20 95 77 105 357 561 GEORGIA FARM BUREAU GRP 569,433 578,155 4 16 46 35 85 44 86 338 31 BERKSHIRE HATHAWAY GRP 507,440 499,715 3 70 50 06 57 55 60 799 212 ZURICH INS GRP 417,159 421,959 3 04 53 10 83 98 87 5410 200 UNITED SERV AUTOMOBILE ASSN GRP 413,836 403,613 3 02 56 12 75 91 77 23




STATEWP

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(000)

DIRECTPREMIUMS

EARNED(000)

MARKETSHARE

%


DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

**TOTAL** 13,700,177 13,776,689 100 00 100 00 69 91 73 66

Hawaii 1 12 AMERICAN INTL GRP 228,192 241,228 10 29 10 29 40 46 42 522 176 STATE FARM GRP 221,791 216,828 10 00 20 29 36 97 37 853 218 CNA INS GRP 211,669 214,934 9 55 29 84 5 54 17 434 31 BERKSHIRE HATHAWAY GRP 157,487 158,672 7 10 36 94 40 13 41 415 106 ISLAND INS CO GRP 132,725 135,364 5 99 42 93 28 24 34 276 200 UNITED SERV AUTOMOBILE ASSN GRP 104,734 103,065 4 72 47 65 45 55 46 867 761 ALLIANZ INS GRP 92,206 97,105 4 16 51 81 17 92 22 818 8 ALLSTATE INS GRP 83,026 82,515 3 74 55 56 45 22 47 259 111 LIBERTY MUT GRP 81,102 77,724 3 66 59 21 43 47 48 2210 1326 KINGSWAY GRP 74,075 73,690 3 34 62 56 1 13 1 24

**TOTAL** 2,217,229 2,239,259 100 00 100 00 34 47 38 22

Idaho 1 111 LIBERTY MUT GRP 204,687 199,656 9 81 9 81 64 73 68 332 36129 IDAHO STATE INS FUND 186,687 195,840 8 95 18 76 70 52 75 103 212 ZURICH INS GRP 182,642 181,500 8 75 27 51 52 31 54 074 176 STATE FARM GRP 153,068 151,416 7 34 34 85 56 82 58 145 842 FARM BUREAU GRP 139,713 143,457 6 70 41 54 64 90 68 016 8 ALLSTATE INS GRP 107,161 107,771 5 14 46 68 48 34 49 657 12 AMERICAN INTL GRP 71,641 74,604 3 43 50 11 54 82 63 958 3548 TRAVELERS GRP 68,648 66,958 3 29 53 40 50 02 54 919 31 BERKSHIRE HATHAWAY GRP 59,153 58,452 2 83 56 24 54 85 57 3610 140 NATIONWIDE CORP GRP 56,258 57,802 2 70 58 93 54 74 57 45

**TOTAL** 2,086,548 2,087,386 100 00 100 00 59 35 63 01

Illinois 1 176 STATE FARM GRP 2,827,905 2,789,939 13 61 13 61 81 45 83 622 12 AMERICAN INTL GRP 1,848,888 1,862,036 8 90 22 51 75 04 79 903 8 ALLSTATE INS GRP 1,215,774 1,228,571 5 85 28 36 63 55 65 404 212 ZURICH INS GRP 1,144,437 1,143,422 5 51 33 86 58 87 62 995 50 COUNTRY INS & FIN SERV GRP 995,821 989,856 4 79 38 66 65 02 66 086 111 LIBERTY MUT GRP 928,082 929,176 4 47 43 12 69 69 78 087 3548 TRAVELERS GRP 845,396 849,717 4 07 47 19 54 70 63 338 473 AMERICAN FAMILY INS GRP 531,930 538,060 2 56 49 75 75 58 78 959 91 HARTFORD FIRE & CAS GRP 496,165 492,767 2 39 52 14 66 74 75 7610 38 CHUBB & SON INC GRP 448,052 448,360 2 16 54 29 42 89 60 59

**TOTAL** 20,780,172 20,801,813 100 00 100 00 65 73 71 17

Indiana 1 176 STATE FARM GRP 1,113,230 1,094,950 13 09 13 09 89 95 91 832 111 LIBERTY MUT GRP 535,510 544,271 6 30 19 39 72 20 77 003 542 INDIANA FARM BUREAU GRP 508,115 512,922 5 97 25 36 80 12 81 234 12 AMERICAN INTL GRP 359,990 378,542 4 23 29 59 77 37 85 305 212 ZURICH INS GRP 311,618 319,832 3 66 33 26 62 89 65 486 8 ALLSTATE INS GRP 303,183 303,574 3 56 36 82 65 89 67 747 3548 TRAVELERS GRP 287,582 297,958 3 38 40 20 50 68 56 558 473 AMERICAN FAMILY INS GRP 277,246 283,398 3 26 43 46 77 69 81 749 155 PROGRESSIVE GRP 252,906 256,615 2 97 46 44 66 53 67 3910 280 AUTO OWNERS GRP 246,735 246,207 2 90 49 34 78 10 81 15

**TOTAL** 8,504,522 8,572,807 100 00 100 00 73 36 76 88

Iowa 1 176 STATE FARM GRP 473,197 462,743 9 13 9 13 85 81 87 362 140 NATIONWIDE CORP GRP 411,062 409,499 7 93 17 06 76 89 78 463 513 IOWA FARM BUREAU GRP 313,543 309,672 6 05 23 11 92 94 93 854 626 ACE LTD GRP 231,167 229,928 4 46 27 57 43 38 43 575 155 PROGRESSIVE GRP 173,052 169,852 3 34 30 91 65 78 66 666 569 FARMERS MUT HAIL INS GRP 167,512 167,366 3 23 34 15 99 28 99 287 62 EMC INS CO GRP 166,333 165,214 3 21 37 36 77 37 82 788 473 AMERICAN FAMILY INS GRP 165,618 166,851 3 20 40 55 74 09 77 019 12 AMERICAN INTL GRP 160,721 162,067 3 10 43 65 60 28 68 8510 3548 TRAVELERS GRP 140,580 139,821 2 71 46 37 90 33 98 11

**TOTAL** 5,182,205 5,163,982 100 00 100 00 81 33 84 36

Kansas 1 176 STATE FARM GRP 532,291 523,032 10 44 10 44 80 61 81 832 473 AMERICAN FAMILY INS GRP 374,952 374,473 7 36 17 80 79 11 80 643 513 IOWA FARM BUREAU GRP 348,288 326,842 6 83 24 63 82 90 83 84




STATEWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

MARKETSHARE

%


DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

4 212 ZURICH INS GRP 343,620 334,154 6 74 31 38 65 00 67 435 3548 TRAVELERS GRP 233,023 229,484 4 57 35 95 56 66 63 326 111 LIBERTY MUT GRP 210,168 204,342 4 12 40 07 64 06 68 897 471 WELLS FARGO GRP 203,943 174,508 4 00 44 07 67 20 67 208 140 NATIONWIDE CORP GRP 189,113 188,523 3 71 47 78 82 09 84 269 626 ACE LTD GRP 188,274 188,268 3 69 51 48 50 32 52 1310 12 AMERICAN INTL GRP 159,241 168,093 3 12 54 60 63 48 74 64

**TOTAL** 5,096,736 4,983,878 100 00 100 00 67 96 70 91

Kentucky 1 109 KENTUCKY FARM BUREAU GRP 730,896 722,634 12 83 12 83 91 55 93 072 176 STATE FARM GRP 668,318 663,039 11 73 24 56 81 22 82 803 111 LIBERTY MUT GRP 513,679 525,003 9 02 33 57 66 67 70 074 8 ALLSTATE INS GRP 273,020 273,920 4 79 38 36 75 83 78 415 12 AMERICAN INTL GRP 231,635 248,326 4 07 42 43 44 42 50 576 3548 TRAVELERS GRP 219,946 225,589 3 86 46 29 43 35 49 997 155 PROGRESSIVE GRP 208,759 208,657 3 66 49 95 62 88 63 608 140 NATIONWIDE CORP GRP 153,999 154,445 2 70 52 66 72 14 74 049 175 STATE AUTO MUT GRP 145,802 144,106 2 56 55 21 74 73 78 7510 10320 KENTUCKY EMPLOYERS MUT INS 144,393 149,958 2 53 57 75 57 21 59 39

**TOTAL** 5,697,839 5,732,221 100 00 100 00 68 34 72 25

Louisiana 1 176 STATE FARM GRP 1,612,637 1,597,081 17 19 17 19 97 40 102 292 8 ALLSTATE INS GRP 740,191 751,102 7 89 25 09 99 02 101 003 12 AMERICAN INTL GRP 570,845 610,254 6 09 31 17 84 83 93 104 111 LIBERTY MUT GRP 517,191 500,459 5 51 36 69 86 36 94 415 155 PROGRESSIVE GRP 374,364 367,901 3 99 40 68 65 02 66 626 212 ZURICH INS GRP 363,667 357,796 3 88 44 55 94 42 99 857 3548 TRAVELERS GRP 333,303 324,390 3 55 48 11 22 68 32 038 LOUISIANA CITIZENS PROPERTY INS 279,940 282,312 2 98 51 09 93 71 93 339 31 BERKSHIRE HATHAWAY GRP 239,827 236,853 2 56 53 65 59 51 64 4710 22350 LOUISIANA WORKERS COMP CORP 226,534 234,060 2 42 56 06 39 58 43 36

**TOTAL** 9,379,362 9,362,974 100 00 100 00 78 78 83 99

Maine 1 111 LIBERTY MUT GRP 168,819 166,573 9 06 9 06 55 50 56 982 1332 MAINE EMPLOYERS MUT INS GRP 137,689 142,117 7 39 16 45 54 40 57 153 176 STATE FARM GRP 113,623 113,534 6 10 22 54 69 62 70 964 1129 WHITE MOUNTAINS GRP 107,104 109,914 5 75 28 29 47 31 50 195 3548 TRAVELERS GRP 81,950 79,215 4 40 32 69 63 51 67 066 155 PROGRESSIVE GRP 81,701 83,096 4 38 37 07 49 79 50 877 8 ALLSTATE INS GRP 80,728 81,529 4 33 41 40 49 25 49 928 88 THE HANOVER INS GRP 76,441 79,063 4 10 45 50 40 32 42 729 98 WR BERKLEY CORP GRP 72,150 74,982 3 87 49 37 43 87 46 6810 45 CONCORD GRP 61,345 52,963 3 29 52 67 63 77 64 62

**TOTAL** 1,863,755 1,865,080 100 00 100 00 54 37 57 17

Maryland 1 176 STATE FARM GRP 1,066,727 1,055,509 11 88 11 88 68 28 70 342 31 BERKSHIRE HATHAWAY GRP 783,274 775,944 8 72 20 61 65 39 67 423 8 ALLSTATE INS GRP 744,224 748,974 8 29 28 90 56 71 58 444 140 NATIONWIDE CORP GRP 620,519 619,866 6 91 35 81 58 52 60 045 3548 TRAVELERS GRP 534,815 521,140 5 96 41 76 38 88 42 886 213 ERIE INS GRP 469,311 472,095 5 23 46 99 55 86 58 297 111 LIBERTY MUT GRP 446,061 451,697 4 97 51 96 57 41 59 078 12 AMERICAN INTL GRP 392,894 451,247 4 38 56 34 75 00 85 809 91 HARTFORD FIRE & CAS GRP 296,491 299,583 3 30 59 64 46 39 49 3910 200 UNITED SERV AUTOMOBILE ASSN GRP 285,401 278,275 3 18 62 82 72 40 74 15

**TOTAL** 8,977,855 9,041,724 100 00 100 00 59 36 62 88

Massachusetts 1 816 COMMERCE INC GRP 1,451,661 1,515,846 13 06 13 06 54 00 56 042 3548 TRAVELERS GRP 908,268 943,141 8 17 21 23 47 71 52 783 111 LIBERTY MUT GRP 815,902 801,634 7 34 28 57 58 20 65 404 12 AMERICAN INTL GRP 630,123 700,011 5 67 34 24 83 39 94 855 586 ARBELLA INS GRP 578,968 595,582 5 21 39 45 51 44 52 746 188 SAFETY GRP 573,466 595,670 5 16 44 61 53 04 55 267 38 CHUBB & SON INC GRP 388,660 384,939 3 50 48 11 32 62 34 908 88 THE HANOVER INS GRP 334,864 329,760 3 01 51 12 40 48 43 08




STATEWP

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GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

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DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

9 415 PLYMOUTH ROCK INS GRP 306,228 310,949 2 76 53 87 58 80 58 3910 241 METROPOLITAN GRP 302,924 319,976 2 73 56 60 49 51 51 20

**TOTAL** 11,115,083 11,380,416 100 00 100 00 54 33 58 83

Michigan 1 176 STATE FARM GRP 1,581,102 1,577,302 11 09 11 09 79 97 84 062 280 AUTO OWNERS GRP 1,184,944 1,182,410 8 31 19 40 85 39 88 913 55 AUTOMOBILE CLUB MI GRP 1,124,313 1,165,926 7 89 27 29 71 61 73 874 88 THE HANOVER INS GRP 812,635 812,944 5 70 32 99 64 63 66 895 79 GMAC INS HOLDING GRP 720,934 977,350 5 06 38 05 73 37 73 846 8 ALLSTATE INS GRP 563,080 566,670 3 95 42 00 79 62 80 677 212 ZURICH INS GRP 561,808 553,842 3 94 45 94 62 44 67 178 155 PROGRESSIVE GRP 525,963 522,265 3 69 49 63 67 12 68 709 111 LIBERTY MUT GRP 501,481 501,878 3 52 53 15 121 01 124 0710 67 MICHIGAN FARM BUREAU GRP 464,432 469,354 3 26 56 41 98 74 102 93

**TOTAL** 14,254,772 14,738,920 100 00 100 00 73 09 77 85

Minnesota 1 176 STATE FARM GRP 1,058,055 1,038,141 11 78 11 78 107 86 110 192 473 AMERICAN FAMILY INS GRP 665,456 666,135 7 41 19 20 95 49 98 603 212 ZURICH INS GRP 579,774 586,396 6 46 25 65 83 52 86 834 761 ALLIANZ INS GRP 386,583 388,906 4 31 29 96 5 47 4 075 155 PROGRESSIVE GRP 355,955 355,240 3 96 33 92 67 79 70 066 12 AMERICAN INTL GRP 339,987 363,402 3 79 37 71 86 06 107 757 3548 TRAVELERS GRP 300,652 297,686 3 35 41 06 55 19 64 528 111 LIBERTY MUT GRP 295,658 299,919 3 29 44 35 76 34 80 919 280 AUTO OWNERS GRP 273,658 271,678 3 05 47 40 85 60 91 6710 8 ALLSTATE INS GRP 241,980 243,267 2 70 50 09 89 47 91 04

**TOTAL** 8,978,603 8,998,318 100 00 100 00 80 38 84 81

Mississippi 1 176 STATE FARM GRP 614,640 618,138 14 66 14 66 70 20 76 272 483 SOUTHERN FARM BUREAU CAS GRP 373,207 378,356 8 90 23 56 62 97 64 463 8 ALLSTATE INS GRP 218,165 213,823 5 20 28 76 64 41 65 174 212 ZURICH INS GRP 214,796 217,942 5 12 33 88 60 84 67 195 3548 TRAVELERS GRP 210,915 214,041 5 03 38 91 24 07 28 476 140 NATIONWIDE CORP GRP 208,561 200,338 4 97 43 89 59 31 61 807 111 LIBERTY MUT GRP 201,719 199,025 4 81 48 70 52 30 58 568 12 AMERICAN INTL GRP 186,206 193,569 4 44 53 14 96 23 106 699 155 PROGRESSIVE GRP 186,095 188,930 4 44 57 58 63 30 64 3210 31 BERKSHIRE HATHAWAY GRP 82,071 83,223 1 96 59 53 51 31 54 27

**TOTAL** 4,193,206 4,196,670 100 00 100 00 63 57 67 97

Missouri 1 176 STATE FARM GRP 1,125,721 1,097,218 12 41 12 41 76 16 77 462 473 AMERICAN FAMILY INS GRP 891,278 891,050 9 82 22 23 77 97 79 833 212 ZURICH INS GRP 535,691 527,347 5 91 28 14 71 90 77 104 111 LIBERTY MUT GRP 520,926 525,636 5 74 33 88 57 38 61 345 12 AMERICAN INTL GRP 516,413 545,738 5 69 39 57 63 24 70 616 3548 TRAVELERS GRP 393,674 388,833 4 34 43 91 40 97 47 777 123 SHELTER INS GRP 294,441 293,033 3 25 47 16 68 10 68 508 218 CNA INS GRP 284,475 281,288 3 14 50 29 75 26 77 239 8 ALLSTATE INS GRP 233,699 233,017 2 58 52 87 71 99 73 9510 140 NATIONWIDE CORP GRP 232,773 230,723 2 57 55 44 59 97 62 86

**TOTAL** 9,071,753 9,070,652 100 00 100 00 64 83 68 54

Montana 1 MT STATE COMPENSATION INSURANCE FUND 243,665 243,317 12 36 12 36 79 35 81 302 111 LIBERTY MUT GRP 196,478 194,344 9 97 22 33 64 36 67 473 176 STATE FARM GRP 176,002 172,868 8 93 31 26 67 91 70 464 212 ZURICH INS GRP 157,223 157,801 7 98 39 24 59 20 63 335 3548 TRAVELERS GRP 101,202 96,322 5 13 44 37 48 26 52 816 626 ACE LTD GRP 86,731 89,020 4 40 48 77 64 76 66 977 91 HARTFORD FIRE & CAS GRP 62,387 60,587 3 17 51 94 63 15 66 078 29440 MOUNTAIN W FARM BUREAU MUT INS CO 49,675 48,604 2 52 54 46 72 22 75 199 140 NATIONWIDE CORP GRP 48,640 55,272 2 47 56 93 75 58 78 7310 155 PROGRESSIVE GRP 48,570 48,448 2 46 59 39 57 43 59 70

**TOTAL** 1,970,956 1,951,512 100 00 100 00 63 41 67 36

Nebraska 1 176 STATE FARM GRP 404,145 392,758 11 17 11 17 102 36 103 92




STATEWP

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GROUP/COMPANY



(000)

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EARNED(000)

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%


DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

2 626 ACE LTD GRP 180,059 181,265 4 98 16 15 20 25 22 243 13889 FARMERS MUT INS CO OF NE 172,227 170,020 4 76 20 91 88 05 88 634 212 ZURICH INS GRP 157,412 156,129 4 35 25 26 77 46 81 235 473 AMERICAN FAMILY INS GRP 154,857 155,627 4 28 29 54 94 96 97 006 513 IOWA FARM BUREAU GRP 143,338 141,609 3 96 33 51 83 21 83 817 140 NATIONWIDE CORP GRP 139,298 138,358 3 85 37 36 73 83 75 008 3548 TRAVELERS GRP 129,229 130,469 3 57 40 93 71 19 75 719 471 WELLS FARGO GRP 125,537 121,874 3 47 44 40 56 50 56 5010 12 AMERICAN INTL GRP 117,438 114,879 3 25 47 65 71 81 79 42

**TOTAL** 3,617,360 3,588,750 100 00 100 00 73 08 75 54

Nevada 1 212 ZURICH INS GRP 487,681 490,558 11 25 11 25 58 77 64 012 176 STATE FARM GRP 348,749 344,461 8 05 19 30 60 66 63 653 12 AMERICAN INTL GRP 303,716 326,830 7 01 26 31 79 96 87 184 8 ALLSTATE INS GRP 275,060 278,212 6 35 32 66 49 92 52 145 111 LIBERTY MUT GRP 231,591 222,735 5 34 38 00 52 18 56 766 91 HARTFORD FIRE & CAS GRP 174,042 173,056 4 02 42 02 59 02 64 817 3548 TRAVELERS GRP 170,046 170,343 3 92 45 94 40 38 51 418 473 AMERICAN FAMILY INS GRP 169,551 174,154 3 91 49 85 73 20 79 629 1278 CALIFORNIA STATE AUTO GRP 153,100 151,925 3 53 53 39 62 71 65 1210 155 PROGRESSIVE GRP 135,061 136,059 3 12 56 50 70 57 74 36

**TOTAL** 4,333,579 4,414,118 100 00 100 00 65 04 72 67

New Hampshire 1 111 LIBERTY MUT GRP 260,426 260,805 13 07 13 07 60 65 63 462 176 STATE FARM GRP 133,198 132,094 6 68 19 75 63 76 65 303 8 ALLSTATE INS GRP 98,759 98,061 4 96 24 70 59 28 61 244 3548 TRAVELERS GRP 86,017 85,676 4 32 29 02 27 61 30 705 12 AMERICAN INTL GRP 79,671 102,721 4 00 33 02 89 27 98 166 98 WR BERKLEY CORP GRP 78,113 80,740 3 92 36 94 40 66 41 967 91 HARTFORD FIRE & CAS GRP 77,266 79,506 3 88 40 81 48 31 61 208 155 PROGRESSIVE GRP 75,011 77,247 3 76 44 58 53 02 53 939 31 BERKSHIRE HATHAWAY GRP 71,718 73,043 3 60 48 18 59 94 62 1210 45 CONCORD GRP 64,026 57,796 3 21 51 39 63 34 64 11

**TOTAL** 1,993,095 2,038,067 100 00 100 00 58 48 62 21

New Jersey 1 708 NEW JERSEY MANUFACTURERS GRP 1,437,549 1,448,778 8 58 8 58 61 70 69 192 111 LIBERTY MUT GRP 1,210,938 1,236,800 7 23 15 80 54 72 59 263 8 ALLSTATE INS GRP 1,200,048 1,201,061 7 16 22 96 62 74 70 874 12 AMERICAN INTL GRP 1,100,257 1,172,244 6 56 29 53 81 39 91 145 3548 TRAVELERS GRP 950,350 966,310 5 67 35 20 52 92 59 366 31 BERKSHIRE HATHAWAY GRP 934,092 920,189 5 57 40 77 71 81 77 207 176 STATE FARM GRP 851,566 840,862 5 08 45 85 80 06 89 448 1227 PALISADES GRP 801,479 815,865 4 78 50 63 60 59 61 039 38 CHUBB & SON INC GRP 555,255 556,847 3 31 53 95 37 52 49 4310 212 ZURICH INS GRP 530,391 522,359 3 16 57 11 82 59 97 08

**TOTAL** 16,759,734 16,933,108 100 00 100 00 60 42 67 99

New Mexico 1 212 ZURICH INS GRP 345,038 338,537 12 97 12 97 52 95 55 382 176 STATE FARM GRP 323,706 319,077 12 17 25 13 61 45 62 443 8 ALLSTATE INS GRP 182,304 181,766 6 85 31 98 53 58 55 004 111 LIBERTY MUT GRP 157,824 154,739 5 93 37 91 54 03 57 605 12 AMERICAN INTL GRP 116,505 122,302 4 38 42 29 71 34 81 436 3548 TRAVELERS GRP 112,060 106,558 4 21 46 50 58 58 65 537 91 HARTFORD FIRE & CAS GRP 111,984 108,920 4 21 50 71 54 35 56 888 155 PROGRESSIVE GRP 109,049 106,741 4 10 54 81 58 70 60 019 31 BERKSHIRE HATHAWAY GRP 104,069 102,327 3 91 58 72 53 61 57 5010 200 UNITED SERV AUTOMOBILE ASSN GRP 88,212 85,683 3 32 62 04 71 03 72 46

**TOTAL** 2,660,888 2,639,038 100 00 100 00 55 89 60 32

New York 1 31 BERKSHIRE HATHAWAY GRP 2,918,508 2,413,750 8 06 8 06 68 49 72 082 8 ALLSTATE INS GRP 2,780,902 2,802,483 7 68 15 73 56 21 59 643 12 AMERICAN INTL GRP 2,703,833 2,850,154 7 46 23 20 76 82 87 974 3548 TRAVELERS GRP 2,273,756 2,258,415 6 28 29 48 38 44 44 265 111 LIBERTY MUT GRP 2,031,956 2,005,725 5 61 35 09 54 44 58 816 176 STATE FARM GRP 1,893,100 1,842,414 5 23 40 31 62 11 66 96




STATEWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

MARKETSHARE

%


DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

7 38 CHUBB & SON INC GRP 1,454,268 1,483,286 4 01 44 33 53 32 62 688 36102 STATE INS FUND 1,355,121 1,462,132 3 74 48 07 70 84 75 719 212 ZURICH INS GRP 1,069,115 1,014,260 2 95 51 02 47 85 55 2710 91 HARTFORD FIRE & CAS GRP 927,099 918,811 2 56 53 58 69 00 74 61

**TOTAL** 36,221,859 35,875,104 100 00 100 00 98 13 105 21

North Carolina 1 140 NATIONWIDE CORP GRP 1,391,391 1,382,111 11 36 11 36 57 38 58 442 176 STATE FARM GRP 1,030,154 1,016,172 8 41 19 77 59 30 60 433 324 NORTH CAROLINA FARM BUREAU GRP 824,564 820,944 6 73 26 50 61 30 62 034 8 ALLSTATE INS GRP 695,048 700,724 5 67 32 18 55 15 55 355 111 LIBERTY MUT GRP 612,940 624,598 5 00 37 18 53 84 57 076 3548 TRAVELERS GRP 597,510 587,556 4 88 42 06 43 82 49 067 12 AMERICAN INTL GRP 567,938 568,809 4 64 46 70 66 40 73 388 212 ZURICH INS GRP 386,580 379,208 3 16 49 85 46 04 48 239 31 BERKSHIRE HATHAWAY GRP 370,682 360,502 3 03 52 88 66 62 71 0910 79 GMAC INS HOLDING GRP 351,633 358,091 2 87 55 75 66 43 68 79

**TOTAL** 12,248,095 12,212,818 100 00 100 00 54 53 57 46

North Dakota 1 471 WELLS FARGO GRP 248,551 246,694 11 28 11 28 117 73 117 732 25240 NAU COUNTRY INS CO 234,551 233,061 10 65 21 93 108 94 108 943 626 ACE LTD GRP 223,999 226,901 10 17 32 10 94 73 94 834 WORKFORCE SAFETY & INSURANCE OF ND 164,030 158,820 7 45 39 55 84 87 87 345 3500 NODAK MUT GRP 123,078 122,673 5 59 45 14 84 06 86 026 761 ALLIANZ INS GRP 95,887 96,406 4 35 49 49 1 10 1 907 84 AMERICAN FINANCIAL GRP 90,090 89,508 4 09 53 58 82 68 84 328 176 STATE FARM GRP 88,246 86,419 4 01 57 59 66 77 68 029 473 AMERICAN FAMILY INS GRP 77,940 77,936 3 54 61 13 64 34 66 8510 3786 ENDURANCE GRP 41,659 41,323 1 89 63 02 55 44 55 55

**TOTAL** 2,202,649 2,189,358 100 00 100 00 73 18 74 61

Ohio 1 OHIO BUREAU OF WORKERS' COMPENSATION 2,235,092 2,235,092 14 59 14 59 97 57 115 772 176 STATE FARM GRP 1,514,284 1,497,273 9 88 24 47 76 29 77 733 140 NATIONWIDE CORP GRP 987,272 979,001 6 44 30 91 67 05 68 504 8 ALLSTATE INS GRP 789,143 777,644 5 15 36 06 72 81 74 815 155 PROGRESSIVE GRP 634,400 635,341 4 14 40 20 60 30 61 206 244 CINCINNATI FIN GRP 614,461 620,917 4 01 44 21 54 55 57 367 111 LIBERTY MUT GRP 586,236 582,557 3 83 48 04 62 60 64 938 12 AMERICAN INTL GRP 513,208 538,576 3 35 51 39 54 47 64 489 228 WESTFIELD GRP 507,948 513,759 3 31 54 70 60 32 62 9210 267 GRANGE MUT CAS GRP 483,237 483,029 3 15 57 86 60 32 61 73

**TOTAL** 15,322,777 15,398,822 100 00 100 00 68 14 74 05

Oklahoma 1 176 STATE FARM GRP 697,679 687,278 12 01 12 01 102 78 104 592 212 ZURICH INS GRP 653,178 643,574 11 25 23 26 84 49 87 733 220 OKLAHOMA FARM BUREAU GRP 306,932 306,810 5 28 28 54 101 54 103 674 111 LIBERTY MUT GRP 293,209 286,838 5 05 33 59 73 39 78 025 12 AMERICAN INTL GRP 285,596 288,122 4 92 38 51 71 95 82 626 36188 COMPSOURCE OKLAHOMA 263,390 261,898 4 53 43 04 85 02 89 427 8 ALLSTATE INS GRP 252,393 249,699 4 35 47 39 77 86 79 318 3548 TRAVELERS GRP 241,085 229,597 4 15 51 54 58 58 64 309 155 PROGRESSIVE GRP 164,442 166,062 2 83 54 37 64 19 65 7010 91 HARTFORD FIRE & CAS GRP 142,584 141,061 2 45 56 83 60 90 63 06

**TOTAL** 5,807,988 5,696,557 100 00 100 00 77 98 82 21

Oregon 1 212 ZURICH INS GRP 652,161 650,833 12 12 12 12 58 46 62 632 111 LIBERTY MUT GRP 635,910 647,204 11 82 23 94 64 66 69 303 176 STATE FARM GRP 626,566 617,384 11 65 35 59 64 42 66 834 36196 SAIF CORP 403,123 414,685 7 49 43 08 87 53 91 465 8 ALLSTATE INS GRP 258,928 263,260 4 81 47 90 51 31 53 446 12 AMERICAN INTL GRP 212,896 224,734 3 96 51 85 71 19 81 577 155 PROGRESSIVE GRP 196,042 194,285 3 64 55 50 58 67 60 528 3548 TRAVELERS GRP 159,183 156,344 2 96 58 46 46 20 53 319 473 AMERICAN FAMILY INS GRP 136,903 139,624 2 54 61 00 83 37 96 6610 31 BERKSHIRE HATHAWAY GRP 125,230 123,866 2 33 63 33 64 22 71 92

**TOTAL** 5,379,603 5,432,771 100 00 100 00 60 93 65 83




STATEWP

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(000)

DIRECTPREMIUMS

EARNED(000)

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DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

Pennsylvania 1 176 STATE FARM GRP 1,923,562 1,912,299 9 84 9 84 67 89 71 232 213 ERIE INS GRP 1,669,859 1,675,752 8 54 18 39 55 14 57 463 8 ALLSTATE INS GRP 1,423,324 1,429,056 7 28 25 67 50 65 51 994 140 NATIONWIDE CORP GRP 1,279,051 1,266,886 6 54 32 21 58 03 60 305 3548 TRAVELERS GRP 1,154,050 1,220,212 5 90 38 12 84 78 89 026 111 LIBERTY MUT GRP 1,105,184 1,109,038 5 65 43 77 54 51 58 517 12 AMERICAN INTL GRP 1,048,786 1,093,656 5 37 49 14 72 32 80 678 212 ZURICH INS GRP 664,185 651,078 3 40 52 54 56 52 60 039 155 PROGRESSIVE GRP 567,403 578,491 2 90 55 44 53 34 54 9710 31 BERKSHIRE HATHAWAY GRP 504,829 489,168 2 58 58 03 60 41 67 06

**TOTAL** 19,543,628 19,649,365 100 00 100 00 62 54 68 12

Rhode Island 1 8 ALLSTATE INS GRP 138,894 137,478 7 31 7 31 53 53 57 672 111 LIBERTY MUT GRP 132,429 132,134 6 97 14 28 53 55 58 743 155 PROGRESSIVE GRP 127,398 129,854 6 71 20 99 62 05 63 714 3490 BEACON MUT GRP 111,837 115,998 5 89 26 88 47 93 51 415 3548 TRAVELERS GRP 102,830 106,409 5 41 32 29 29 05 38 876 28 AMICA MUT GRP 101,291 99,952 5 33 37 63 44 64 45 267 140 NATIONWIDE CORP GRP 99,422 100,467 5 23 42 86 56 30 57 298 241 METROPOLITAN GRP 80,980 82,343 4 26 47 12 40 93 40 849 12 AMERICAN INTL GRP 80,404 87,888 4 23 51 36 45 58 52 4910 31 BERKSHIRE HATHAWAY GRP 57,815 56,686 3 04 54 40 63 38 67 04

**TOTAL** 1,899,406 1,917,795 100 00 100 00 45 40 49 08

South Carolina 1 176 STATE FARM GRP 1,018,674 1,009,135 14 98 14 98 56 67 57 962 8 ALLSTATE INS GRP 604,263 605,227 8 88 23 86 50 52 51 423 140 NATIONWIDE CORP GRP 444,207 443,639 6 53 30 39 54 29 55 124 3548 TRAVELERS GRP 391,692 387,621 5 76 36 15 46 53 50 175 111 LIBERTY MUT GRP 382,583 370,659 5 62 41 78 54 65 59 836 12 AMERICAN INTL GRP 319,701 345,917 4 70 46 48 68 75 74 737 200 UNITED SERV AUTOMOBILE ASSN GRP 229,139 225,886 3 37 49 85 56 93 58 288 31 BERKSHIRE HATHAWAY GRP 225,872 224,777 3 32 53 17 58 17 61 369 212 ZURICH INS GRP 215,111 220,757 3 16 56 33 56 03 60 4010 91 HARTFORD FIRE & CAS GRP 190,592 190,550 2 80 59 13 47 39 52 70

**TOTAL** 6,801,497 6,828,355 100 00 100 00 52 38 55 51

South Dakota 1 626 ACE LTD GRP 207,715 212,191 10 68 10 68 28 28 28 972 471 WELLS FARGO GRP 157,919 153,604 8 12 18 80 68 80 68 803 176 STATE FARM GRP 121,702 119,792 6 26 25 05 66 81 68 194 473 AMERICAN FAMILY INS GRP 96,345 96,615 4 95 30 01 67 73 69 855 84 AMERICAN FINANCIAL GRP 95,920 95,138 4 93 34 94 66 70 67 456 25240 NAU COUNTRY INS CO 91,046 90,133 4 68 39 62 68 06 68 067 212 ZURICH INS GRP 59,468 58,803 3 06 42 67 68 13 72 038 155 PROGRESSIVE GRP 53,739 53,481 2 76 45 44 63 59 64 749 1285 XL AMER GRP 51,678 52,079 2 66 48 09 47 57 46 7610 140 NATIONWIDE CORP GRP 50,344 49,934 2 59 50 68 54 44 56 27

**TOTAL** 1,945,272 1,937,288 100 00 100 00 57 07 59 24

Tennessee 1 176 STATE FARM GRP 1,104,341 1,089,852 13 03 13 03 68 02 69 842 694 TENNESSEE FARMERS GRP 896,171 890,322 10 58 23 61 79 27 81 123 111 LIBERTY MUT GRP 518,665 517,065 6 12 29 73 64 51 68 834 212 ZURICH INS GRP 482,629 473,103 5 70 35 43 66 37 70 825 3548 TRAVELERS GRP 438,846 442,414 5 18 40 61 68 39 74 416 12 AMERICAN INTL GRP 392,336 425,938 4 63 45 24 45 13 53 557 8 ALLSTATE INS GRP 381,446 381,073 4 50 49 74 61 12 63 468 140 NATIONWIDE CORP GRP 289,896 288,331 3 42 53 16 60 65 62 779 31 BERKSHIRE HATHAWAY GRP 189,519 192,740 2 24 55 40 46 86 50 7010 33049 STATE VOLUNTEER MUT INS CO 171,378 173,120 2 02 57 42 33 40 67 77

**TOTAL** 8,473,140 8,501,914 100 00 100 00 63 81 68 27

Texas 1 176 STATE FARM GRP 4,541,529 4,455,973 12 28 12 28 91 86 93 402 212 ZURICH INS GRP 3,817,752 3,747,243 10 32 22 59 115 03 119 933 8 ALLSTATE INS GRP 2,572,804 2,595,865 6 95 29 55 79 90 81 204 12 AMERICAN INTL GRP 2,420,081 2,446,278 6 54 36 09 88 02 96 75




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GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

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%


DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

5 111 LIBERTY MUT GRP 1,701,881 1,663,792 4 60 40 69 94 80 99 406 3548 TRAVELERS GRP 1,477,128 1,461,227 3 99 44 68 62 69 69 477 200 UNITED SERV AUTOMOBILE ASSN GRP 1,205,138 1,175,367 3 26 47 94 95 90 97 368 155 PROGRESSIVE GRP 1,152,552 1,120,731 3 12 51 06 65 48 66 589 31 BERKSHIRE HATHAWAY GRP 1,031,767 994,192 2 79 53 84 62 13 65 1410 140 NATIONWIDE CORP GRP 1,004,194 961,209 2 71 56 56 104 83 107 03

**TOTAL** 36,997,058 36,423,171 100 00 100 00 88 20 92 61

Utah 1 212 ZURICH INS GRP 383,856 375,130 11 01 11 01 50 71 52 712 176 STATE FARM GRP 306,372 302,577 8 79 19 80 60 82 62 913 8 ALLSTATE INS GRP 286,112 288,108 8 21 28 01 54 94 56 044 1147 WORKERS COMP OF UTAH GRP 231,185 235,521 6 63 34 65 60 57 65 705 3548 TRAVELERS GRP 173,036 164,115 4 96 39 61 33 15 37 936 111 LIBERTY MUT GRP 157,584 155,111 4 52 44 13 49 83 54 797 12 AMERICAN INTL GRP 127,585 135,859 3 66 47 79 50 99 57 068 140 NATIONWIDE CORP GRP 124,088 123,612 3 56 51 35 65 55 68 919 473 AMERICAN FAMILY INS GRP 102,624 100,205 2 94 54 30 84 14 87 1710 155 PROGRESSIVE GRP 84,590 83,761 2 43 56 72 54 83 55 84

**TOTAL** 3,485,412 3,453,791 100 00 100 00 53 83 57 66

Vermont 1 111 LIBERTY MUT GRP 110,304 111,261 10 16 10 16 53 32 57 272 155 PROGRESSIVE GRP 51,018 51,266 4 70 14 86 55 57 56 893 98 WR BERKLEY CORP GRP 49,715 53,048 4 58 19 44 46 00 50 304 3548 TRAVELERS GRP 48,424 48,294 4 46 23 90 59 97 68 865 91 HARTFORD FIRE & CAS GRP 45,622 46,193 4 20 28 10 35 81 35 056 18686 CO OPERATIVE INS CO 44,541 44,060 4 10 32 21 47 96 48 537 10541 AGRINATIONAL INS CO 43,991 38,926 4 05 36 26 227 93 232 898 234 VERMONT MUT GRP 43,349 43,325 3 99 40 25 52 44 53 989 176 STATE FARM GRP 41,731 41,659 3 84 44 10 56 97 58 2510 45 CONCORD GRP 41,490 35,948 3 82 47 92 50 59 51 93

**TOTAL** 1,085,542 1,094,361 100 00 100 00 59 63 62 88

Virginia 1 176 STATE FARM GRP 1,099,723 1,084,906 10 51 10 51 64 77 66 402 140 NATIONWIDE CORP GRP 842,353 837,373 8 05 18 56 52 31 53 713 3548 TRAVELERS GRP 684,918 679,174 6 55 25 11 38 14 41 574 8 ALLSTATE INS GRP 663,818 661,301 6 34 31 45 49 35 50 315 31 BERKSHIRE HATHAWAY GRP 657,689 652,674 6 29 37 74 60 28 62 986 200 UNITED SERV AUTOMOBILE ASSN GRP 634,125 628,586 6 06 43 80 61 58 62 927 12 AMERICAN INTL GRP 537,029 559,722 5 13 48 93 113 14 123 658 111 LIBERTY MUT GRP 439,155 434,590 4 20 53 13 49 83 53 419 212 ZURICH INS GRP 415,422 408,704 3 97 57 10 52 38 61 9610 213 ERIE INS GRP 336,850 335,863 3 22 60 32 54 12 56 77

**TOTAL** 10,462,223 10,426,220 100 00 100 00 56 83 60 13

Washington 1 WASHINGTON STATE FUND 1,123,824 1,123,824 10 97 10 97 170 74 174 282 212 ZURICH INS GRP 990,449 1,002,927 9 66 20 63 57 96 60 993 111 LIBERTY MUT GRP 964,624 960,506 9 41 30 04 51 72 55 404 176 STATE FARM GRP 907,649 900,040 8 86 38 90 63 11 65 225 8 ALLSTATE INS GRP 615,544 620,374 6 01 44 91 55 26 57 676 12 AMERICAN INTL GRP 421,444 411,283 4 11 49 02 52 24 59 117 200 UNITED SERV AUTOMOBILE ASSN GRP 320,491 312,542 3 13 52 15 66 37 68 358 157 PUBLIC EMPLOYEES GRP 314,625 312,527 3 07 55 22 51 82 51 459 31 BERKSHIRE HATHAWAY GRP 300,365 303,725 2 93 58 15 55 36 61 5810 3548 TRAVELERS GRP 287,578 290,577 2 81 60 95 39 99 48 92

**TOTAL** 10,248,308 10,225,218 100 00 100 00 67 36 71 53

West Virginia 1 12372 BRICKSTREET MUT INS CO 424,513 467,081 15 43 15 43 55 15 61 682 176 STATE FARM GRP 391,809 392,711 14 24 29 66 57 19 58 953 140 NATIONWIDE CORP GRP 330,720 329,929 12 02 41 68 72 50 74 804 213 ERIE INS GRP 189,666 188,101 6 89 48 57 51 49 54 095 8 ALLSTATE INS GRP 125,585 126,833 4 56 53 13 48 44 49 876 3548 TRAVELERS GRP 112,712 106,528 4 10 57 23 47 18 51 687 12 AMERICAN INTL GRP 106,959 100,635 3 89 61 12 23 12 34 858 228 WESTFIELD GRP 98,681 98,146 3 59 64 70 61 29 64 599 111 LIBERTY MUT GRP 83,391 84,050 3 03 67 73 44 67 50 30




STATEWP

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(000)

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EARNED(000)

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%


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DIRECTLOSS & DCC

TO EPRATIO²

10 91 HARTFORD FIRE & CAS GRP 73,843 71,169 2 68 70 41 56 25 60 11**TOTAL** 2,752,096 2,778,428 100 00 100 00 56 09 61 03

Wisconsin 1 473 AMERICAN FAMILY INS GRP 946,479 948,698 11 77 11 77 69 34 70 982 176 STATE FARM GRP 535,414 522,447 6 66 18 42 72 81 74 363 111 LIBERTY MUT GRP 357,609 380,168 4 45 22 87 69 29 81 304 3548 TRAVELERS GRP 337,526 340,955 4 20 27 07 52 72 59 295 212 ZURICH INS GRP 326,220 293,890 4 06 31 12 65 20 70 276 14184 ACUITY A MUT INS CO 306,753 309,057 3 81 34 94 56 68 60 347 12 AMERICAN INTL GRP 304,355 302,162 3 78 38 72 54 24 59 708 1243 WEST BEND MUT GRP 303,163 301,416 3 77 42 49 55 44 58 249 796 QBE INS GRP 272,699 283,052 3 39 45 88 41 64 43 5910 155 PROGRESSIVE GRP 227,956 220,016 2 83 48 71 66 63 68 48

**TOTAL** 8,043,120 8,060,344 100 00 100 00 62 76 66 85

Wyoming 1 WORKERS' SAFETY & COMP DIV OF WY 265,398 265,398 22 31 22 31 50 98 53 502 176 STATE FARM GRP 114,891 112,483 9 66 31 97 73 23 75 303 212 ZURICH INS GRP 96,944 94,436 8 15 40 12 95 86 100 564 111 LIBERTY MUT GRP 86,023 84,478 7 23 47 35 52 11 55 295 29440 MOUNTAIN W FARM BUREAU MUT INS CO 65,321 64,384 5 49 52 84 69 47 71 566 3548 TRAVELERS GRP 63,387 58,525 5 33 58 17 43 30 47 927 155 PROGRESSIVE GRP 46,927 46,073 3 94 62 11 60 57 61 758 140 NATIONWIDE CORP GRP 40,320 39,780 3 39 65 50 62 14 65 519 12 AMERICAN INTL GRP 37,055 39,860 3 11 68 62 39 69 42 5210 8 ALLSTATE INS GRP 23,753 23,845 2 00 70 61 41 65 42 86

**TOTAL** 1,189,601 1,172,958 100 00 100 00 53 13 55 80

American Samoa 1 761 ALLIANZ INS GRP 302 128 79 72 79 72 0 00 0 002 65 FM GLOBAL GRP 53 26 13 94 93 66 0 00 0 003 256 NEW YORK MARINE & GEN GRP 14 14 3 57 97 23 -70 81 -79 584 468 AEGON US HOLDING GRP 9 8 2 35 99 58 175 51 175 515 200 UNITED SERV AUTOMOBILE ASSN GRP 2 2 0 42 100 00 44 74 46 52

**TOTAL** 379 219 100 00 100 00 0 14 -0 62

Guam 1 4672 DONGBU INS GRP 23,649 18,511 21 36 21 36 31 26 38 212 13597 CHUNG KUO INS CO LTD 21,222 20,760 19 16 40 52 21 48 24 533 12633 CENTURY INS CO GU LTD 16,853 7,557 15 22 55 74 35 67 38 094 18380 PACIFIC IND INS CO 13,596 13,542 12 28 68 02 21 65 27 145 12 AMERICAN INTL GRP 10,412 11,334 9 40 77 42 14 71 21 126 200 UNITED SERV AUTOMOBILE ASSN GRP 6,339 6,329 5 72 83 14 30 81 32 337 10972 FIRST NET INS CO 5,971 5,435 5 39 88 53 20 74 24 608 626 ACE LTD GRP 3,928 4,311 3 55 92 08 2 46 3 299 212 ZURICH INS GRP 1,908 1,570 1 72 93 80 4 04 5 2910 528 MBIA GRP 1,026 1,279 0 93 94 73 0 00 0 00

**TOTAL** 110,740 97,218 100 00 100 00 21 50 25 45

Puerto Rico 1 71 UNIVERSAL INS CO GRP 315,516 332,131 15 83 15 83 43 33 44 172 411 MAPFRE INS GRP 280,182 275,316 14 06 29 88 37 54 39 653 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 273,532 288,861 13 72 43 60 34 19 35 724 10899 ASOC DE SUSCRIPCION CONJUNTA DEL SEG 202,428 201,588 10 15 53 76 57 53 57 535 40568 TRIPLE S PROPIEDAD INC 167,983 168,542 8 43 62 19 22 33 26 076 12 AMERICAN INTL GRP 138,166 145,405 6 93 69 12 16 64 21 367 626 ACE LTD GRP 97,851 74,937 4 91 74 03 7 18 11 418 343 NATIONAL INS CO GRP 71,452 79,141 3 58 77 61 20 92 27 749 26778 INTEGRAND ASSUR CO 67,529 77,806 3 39 81 00 37 27 44 0210 218 CNA INS GRP 60,466 60,941 3 03 84 03 19 85 22 59

**TOTAL** 1,993,422 2,041,172 100 00 100 00 32 65 35 62

U S Virgin Islands 1 4508 LOCKHART INS GRP 21,056 21,449 27 40 27 40 28 89 30 252 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 14,616 14,749 19 02 46 42 0 28 1 093 161 TOPA EQUITIES LTD GRP 9,668 9,349 12 58 59 00 15 82 20 974 626 ACE LTD GRP 6,313 6,745 8 22 67 22 49 05 58 885 35858 COMPANION INC 3,894 4,108 5 07 72 29 -53 62 -53 626 218 CNA INS GRP 2,935 2,959 3 82 76 11 90 28 108 137 111 LIBERTY MUT GRP 2,569 2,215 3 34 79 45 125 55 136 26




STATEWP

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(000)

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EARNED(000)

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%


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EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

8 200 UNITED SERV AUTOMOBILE ASSN GRP 2,261 2,278 2 94 82 39 85 32 86 789 1279 ARCH INS GRP 2,256 2,286 2 94 85 33 30 81 35 3610 19 ASSURANT INC GRP 1,660 1,628 2 16 87 49 180 57 180 51

**TOTAL** 76,844 79,600 100 00 100 00 29 00 37 04

N Mariana Islands 1 4672 DONGBU INS GRP 2,112 2,101 44 80 44 80 111 94 134 742 10972 FIRST NET INS CO 715 734 15 16 59 96 77 07 84 813 18380 PACIFIC IND INS CO 622 654 13 20 73 16 30 51 31 874 38 CHUBB & SON INC GRP 529 302 11 22 84 38 10 52 10 545 212 ZURICH INS GRP 344 290 7 29 91 67 6 96 9 266 471 WELLS FARGO GRP 305 250 6 47 98 14 15 89 15 897 32450 ATTORNEYS LIAB PROTECTION SOC RRG 58 44 1 23 99 37 -0 02 20 388 200 UNITED SERV AUTOMOBILE ASSN GRP 29 30 0 62 100 00 18 12 18 199 65 FM GLOBAL GRP 0 0 0 00 100 00 0 00 0 00

**TOTAL** 4,714 4,405 100 00 100 00 72 96 85 68

Canada 1 176 STATE FARM GRP 1,668,860 1,621,863 38 77 38 77 78 19 82 392 12 AMERICAN INTL GRP 342,735 702,591 7 96 46 73 52 11 49 933 19 ASSURANT INC GRP 331,835 353,623 7 71 54 44 6 52 6 504 65 FM GLOBAL GRP 331,626 346,431 7 70 62 14 92 95 93 795 3548 TRAVELERS GRP 249,998 264,984 5 81 67 95 56 09 59 166 761 ALLIANZ INS GRP 247,520 228,722 5 75 73 70 47 79 49 477 218 CNA INS GRP 234,588 231,160 5 45 79 15 72 55 74 048 79 GMAC INS HOLDING GRP 198,332 265,988 4 61 83 76 35 42 36 079 41 CITIGROUP GRP 162,043 18,391 3 76 87 52 -16 85 -16 5910 111 LIBERTY MUT GRP 155,268 146,662 3 61 91 13 27 52 39 21

**TOTAL** 4,304,638 4,581,483 100 00 100 00 59 86 62 33

Aggregate Other Alien 1 12 AMERICAN INTL GRP 3,724,844 3,546,562 59 40 59 40 85 32 95 302 626 ACE LTD GRP 571,387 577,938 9 11 68 51 33 53 53 373 38 CHUBB & SON INC GRP 287,355 301,465 4 58 73 10 11 63 9 694 218 CNA INS GRP 166,067 124,078 2 65 75 74 49 83 63 325 158 FAIRFAX FIN GRP 165,884 159,664 2 65 78 39 117 41 120 476 111 LIBERTY MUT GRP 152,078 138,355 2 43 80 81 26 86 37 807 510 NAVIGATORS GRP 145,967 142,743 2 33 83 14 57 02 59 148 528 MBIA GRP 138,067 191,910 2 20 85 34 193 10 193 429 3548 TRAVELERS GRP 74,550 81,790 1 19 86 53 78 16 104 0910 3569 CATERPILLAR GRP 63,056 4,336 1 01 87 54 139 57 139 57

**TOTAL** 6,270,667 6,154,580 100 00 100 00 68 22 77 37

¹ (Direct losses incurred / Direct premiums earned)

² (Direct losses incurred + Direct defense and cost containment expenses incurred) / (Direct premiums earned)


01—Fire



By Group01-Fire


By Group01-Fire

STATEWP

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DIRECTPREMIUMS

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MARKETSHARE

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DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

Countrywide 1 12 AMERICAN INTL GRP 2,114,415 2,202,226 17 16 17 16 39 25 39 672 19 ASSURANT INC GRP 1,332,816 1,192,776 10 82 27 98 20 75 20 763 3548 TRAVELERS GRP 730,946 744,693 5 93 33 92 62 33 63 834 65 FM GLOBAL GRP 696,414 701,183 5 65 39 57 143 26 145 005 1330 BALBOA INS GRP 668,841 621,436 5 43 45 00 13 91 13 946 212 ZURICH INS GRP 659,246 657,830 5 35 50 35 48 27 49 097 111 LIBERTY MUT GRP 532,070 527,344 4 32 54 67 91 47 93 848 761 ALLIANZ INS GRP 264,996 270,703 2 15 56 82 83 45 89 939 361 MUNICH RE GRP 263,281 236,241 2 14 58 96 35 54 36 3910 280 AUTO OWNERS GRP 221,475 218,025 1 80 60 76 77 33 80 0811 10064 CITIZENS PROP INS CORP 177,681 188,779 1 44 62 20 67 19 67 8912 140 NATIONWIDE CORP GRP 168,931 166,694 1 37 63 57 47 10 48 1513 171 GERMANIA INS GRP 168,137 165,551 1 36 64 94 97 29 97 3614 501 ALLEGHANY GRP 158,640 178,740 1 29 66 23 17 23 17 3815 1285 XL AMER GRP 139,923 157,577 1 14 67 36 22 11 24 2716 626 ACE LTD GRP 131,341 137,536 1 07 68 43 115 45 119 3617 3416 AXIS CAPITAL GRP 125,121 129,942 1 02 69 44 20 35 21 0818 200 UNITED SERV AUTOMOBILE ASSN GRP 104,494 98,624 0 85 70 29 40 37 40 2319 31 BERKSHIRE HATHAWAY GRP 96,257 98,510 0 78 71 07 23 09 24 0220 181 SWISS RE GRP 96,189 98,137 0 78 71 85 63 07 67 0121 1279 ARCH INS GRP 91,658 106,516 0 74 72 60 37 44 39 8722 147 HOCHHEIM PRAIRIE GRP 88,613 88,268 0 72 73 32 90 69 98 2023 215 UNITRIN GRP 85,721 88,127 0 70 74 01 38 96 38 9124 98 WR BERKLEY CORP GRP 84,789 90,594 0 69 74 70 50 65 51 7325 242 SELECTIVE INS GRP 79,229 80,044 0 64 75 34 46 41 47 2126 158 FAIRFAX FIN GRP 75,405 101,236 0 61 75 96 58 20 62 0527 785 MARKEL CORP GRP 75,070 79,158 0 61 76 57 31 84 33 4228 175 STATE AUTO MUT GRP 69,758 68,824 0 57 77 13 55 81 57 4529 244 CINCINNATI FIN GRP 67,183 67,422 0 55 77 68 32 46 33 7930 8 ALLSTATE INS GRP 65,067 69,184 0 53 78 21 50 37 56 0631 14974 PENNSYLVANIA LUMBERMENS MUT INS 59,351 56,516 0 48 78 69 54 11 54 5432 23108 LUMBERMENS UNDERWRITING ALLIANCE 58,194 52,313 0 47 79 16 97 28 97 7733 1342 FARMERS MUT PROTECTION ASSN GRP 56,784 55,689 0 46 79 62 142 58 143 1034 62 EMC INS CO GRP 54,471 56,000 0 44 80 06 38 42 38 3035 796 QBE INS GRP 50,341 53,495 0 41 80 47 49 10 50 4436 1129 WHITE MOUNTAINS GRP 49,393 49,087 0 40 80 87 15 26 15 8237 408 AMERICAN NATL FIN GRP 47,087 46,229 0 38 81 26 69 15 69 3538 3098 TOKIO MARINE HOLDINGS INC GRP 46,112 47,239 0 37 81 63 43 30 44 0739 3239 ALLIED WORLD ASSUR HOLDING GRP 44,223 41,194 0 36 81 99 22 98 23 7740 3497 MIRAGE INTERESTS GRP 42,929 40,060 0 35 82 34 82 05 82 3241 22 ANDOVER GRP 41,794 41,183 0 34 82 68 30 57 31 3342 123 SHELTER INS GRP 39,971 39,677 0 32 83 00 53 00 53 6343 783 RLI INS GRP 38,904 43,930 0 32 83 32 43 11 42 7344 169 SENTRY INS GRP 38,207 38,869 0 31 83 63 44 28 43 5245 12841 AMERICAN INTEGRITY INS CO OF FL 38,109 30,367 0 31 83 94 34 06 35 5446 271 PENNSYLVANIA NATL INS GRP 36,372 37,406 0 30 84 23 53 78 54 0547 732 NLASCO GRP 36,340 37,312 0 30 84 53 25 34 26 7548 88 THE HANOVER INS GRP 34,796 27,344 0 28 84 81 43 36 41 2349 33499 DORINCO REINS CO 34,679 65,388 0 28 85 09 -63 95 -62 4750 13757 FARM BUREAU MUT INS CO OF AR INC 34,389 34,097 0 28 85 37 33 00 33 5551 694 TENNESSEE FARMERS GRP 33,984 33,005 0 28 85 65 42 27 43 0252 LOUISIANA CITIZENS PROPERTY INS 33,868 37,120 0 27 85 92 20 17 19 9153 91 HARTFORD FIRE & CAS GRP 33,459 67,640 0 27 86 19 93 55 44 5854 248 UNITED FIRE & CAS GRP 33,401 34,214 0 27 86 46 71 20 72 7355 38 CHUBB & SON INC GRP 30,702 34,384 0 25 86 71 68 41 71 1556 7 FEDERATED MUT GRP 30,226 31,488 0 25 86 96 32 39 33 7057 1278 CALIFORNIA STATE AUTO GRP 30,047 27,088 0 24 87 20 66 71 69 1758 1243 WEST BEND MUT GRP 28,851 27,786 0 23 87 44 82 54 83 8159 324 NORTH CAROLINA FARM BUREAU GRP 28,149 27,751 0 23 87 66 52 84 52 9660 749 SCOR GRP 27,215 26,907 0 22 87 89 81 29 80 1661 517 HANNOVER GRP 25,226 21,961 0 20 88 09 14 47 33 7362 968 AXA INS GRP 25,078 24,386 0 20 88 29 139 92 137 5963 3617 FIRST MERCURY FIN GRP 24,785 16,292 0 20 88 49 78 80 92 1464 316 NATIONAL SECURITY GRP 24,458 21,167 0 20 88 69 66 32 67 4165 920 UNITED NATL GRP 22,860 23,542 0 19 88 88 31 62 32 90



By Group01-Fire

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EARNED(000)

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DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

66 308 PHILADELPHIA CONTRIBUTIONSHIP GRP 21,691 21,783 0 18 89 06 69 80 71 0667 34029 MICHIGAN BASIC PROP INS ASSN 21,654 23,230 0 18 89 23 106 06 106 8768 4636 MAX CAPITAL GRP 21,534 19,298 0 17 89 41 40 67 45 1269 10688 FLORIDA FAMILY INS CO 21,239 21,984 0 17 89 58 28 52 30 9470 1344 ARX HOLDING CORP GRP 21,112 20,753 0 17 89 75 34 83 35 5571 10136 SOUTHERN FIDELITY INS CO INC 21,016 18,978 0 17 89 92 19 90 19 9072 79 GMAC INS HOLDING GRP 20,752 23,930 0 17 90 09 6 44 6 6173 748 MEADOWBROOK INS GRP 20,671 22,145 0 17 90 26 31 69 32 6574 213 ERIE INS GRP 20,595 19,399 0 17 90 42 51 72 54 0775 3703 TOWER GRP 20,259 20,073 0 16 90 59 53 33 54 2776 14184 ACUITY A MUT INS CO 19,129 19,933 0 16 90 74 31 14 34 4677 586 ARBELLA INS GRP 18,954 18,218 0 15 90 90 33 59 34 5078 70 FIRST AMER TITLE GRP 18,126 18,185 0 15 91 04 40 11 41 7979 125 PENN MILLER GRP 16,834 16,933 0 14 91 18 57 29 58 5780 2538 AMTRUST GRP 16,516 11,571 0 13 91 31 107 67 110 1581 4663 UNIVERSAL INS HOLDING GRP 15,157 17,869 0 12 91 44 41 41 42 5482 4672 DONGBU INS GRP 14,735 6,996 0 12 91 56 5 17 6 9683 561 GEORGIA FARM BUREAU GRP 14,706 14,221 0 12 91 68 74 01 74 4584 71 UNIVERSAL INS CO GRP 14,305 14,617 0 12 91 79 17 66 18 9585 3489 DELEK GRP 13,956 15,123 0 11 91 91 53 61 54 3886 176 STATE FARM GRP 13,915 14,745 0 11 92 02 96 57 101 5787 267 GRANGE MUT CAS GRP 13,778 13,501 0 11 92 13 35 00 35 6388 483 SOUTHERN FARM BUREAU CAS GRP 13,577 13,863 0 11 92 24 43 43 44 2889 228 WESTFIELD GRP 13,187 13,175 0 11 92 35 29 21 29 6490 963 OHIO MUT GRP 13,142 12,976 0 11 92 46 84 96 88 0891 256 NEW YORK MARINE & G

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