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2017 Market Share Reports for Property/Casualty Groups and Companies

By State and Countrywide

2018

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2017 Market Share Reports for Property/Casualty Groups and Companies

By State and Countrywide

TABLE OF CONTENTS

Introduction .................................................................................................................................................... 1 Property/Casualty Market Share Report Applications ............................................................................... 3 Countrywide Loss Ratios by Line of Business 5 Years ............................................................................. 5 Direct Written Premium Trend Graph ......................................................................................................... 9

2017 Market Share Reports by Line of Business Top 125 Countrywide (both with and without Canada & Other Alien data) Top 10 by State

Line Number 35 Total All Lines........................................................................................... 11 01 Fire ............................................................................................................. 29 02.1 Allied Lines................................................................................................ 47 02.2 Multiple Peril Crop .................................................................................. 65 02.3 Federal Flood ............................................................................................ 79 02.4 Private Crop .............................................................................................. 95 02.5 Private Flood ........................................................................................... 107 03 Farmowners Multiple Peril .................................................................... 123 04 Homeowners Multiple Peril ................................................................... 139 05.1 , 05.2 Total Commercial Multiple Peril .......................................................... 157 06 Mortgage Guaranty ................................................................................ 175 08 Ocean Marine ......................................................................................... 189 09 Inland Marine ......................................................................................... 207 10 Financial Guaranty ................................................................................ 225 11 Medical Professional Liability ............................................................... 235 12 Earthquake .............................................................................................. 253 16 Workers Compensation ........................................................................ 271 17.1 , 17.2 Other Liability ........................................................................................ 289 17.3 Excess Workers Compensation ............................................................ 307 18 Products Liability ................................................................................... 321 19.1 , 19.2 Private Passenger Auto Liability ........................................................... 339 21.1 Private Passenger Auto Physical Damage ............................................ 357 19.1 , 19.2 , 21.1 Total Private Passenger Auto ................................................................ 375 19.3 , 19.4 Commercial Auto Liability .................................................................... 393 21.2 Commercial Auto Physical Damage ...................................................... 411 19.3 , 19.4 , 21.2 Total Commercial Auto .......................................................................... 429 22 Aircraft (All Perils)................................................................................. 447 23 Fidelity ..................................................................................................... 463 24 Surety ....................................................................................................... 481 26 Burglary and Theft ................................................................................. 499 27 Boiler and Machinery ............................................................................ 517 28 Credit ....................................................................................................... 535 30 Warranty ................................................................................................. 551 34 Aggregate Write-Ins for Other Lines of Business ................................ 567

Technical Notes ........................................................................................................................................... 585 Index of Insurer Groups and Companies ................................................................................................. 591

2018 National Association of Insurance Commissioners

2018 National Association of Insurance Commissioners

INTRODUCTION These 2017 Market Share Reports for Property/Casualty Groups and Companies by State and Countrywide are intended to make property/casualty (P/C) market share information more readily available. Direct Written Premiums are taken from the Exhibit of Premiums and Losses (page 19Statutory page 14) in the NAIC P/C 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: North Dakota, Ohio, South Carolina, Washington and Wyoming. In the Fire, Homeowners, Allied and Total All Lines sections of this report, Direct Written Premiums includes estimated 2017 premium data reported directly to the NAIC from the Louisiana state-run property insurer of last resort.

Insurance groups are made up of insurance companies that are related by ownership. The market share reports show data by group for those insurers that are members of a group. This allows the report to 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 merge, change names, and buy and sell companies; however, the index gives a snapshot view of group structures as filed with the NAIC on May 2, 2018, the date this report was generated.

Market shares for 30 lines of business are included in this report, plus Aggregate Write-ins for Other Lines of Business and the Total for All Lines. By state, the report is limited to the top 10 groups and companies in order to keep the publication to a manageable size. However, the top 125 groups and companies are shown for each line of business for the following countrywide aggregations:

States, U.S. Territories, Canada and Aggregate Other Alien States and U.S. Territories

Accident and health insurance data are reported to the NAIC on four annual statements: P/C, life/health, fraternal and health. Market shares for the individual accident and health lines of business are not included in this report. A separate publication, Market Share Reports for the Top 125 Accident and Health Insurance Companies and Groups by State and Countrywide, combines data from all four statements to provide complete market share information for that line. (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.)

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 provides cumulative market share data for the top 10 writers by state, and for the top 125 writers countrywide. This 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. Tables displaying the direct loss ratios for each line of business on a countrywide basis follow this introduction. These figures include only data taken from the Exhibit of Premiums and Losses (page 19Statutory page 14) in the NAIC P/C annual statement.

The loss ratios in this report reflect a simple calendar-year result. 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 linessuch as earthquake, homeowners, allied lines and inland marineare subject to extreme fluctuations in results, due, in particular, to the occurrence of major catastrophes such as tornadoes, earthquakes and civil disturbances.

2018 National Association of Insurance Commissioners1

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 by Line by State, the NAIC Statistical Compilation of Annual Statement Information for Property/Casualty Insurance Companies contains a countrywide, calendar-year industry aggregation of the Insurance Expense Exhibit (IEE).

Please send any questions regarding this report to [email protected]. Links to this report or other NAIC reports can be found on the NAIC website at: NAIC Publications.


mailto:[email protected]://www.naic.org/prod_serv_alpha_listing.htm

PROPERTY/CASUALTY MARKET SHARE REPORT APPLICATIONS The Property/Casualty Market Share Report will help a user:

Assess an insurers competitive position

Create benchmarks to compare companies

Identify the top writers

Analyze the overall size of the market

Identify premium volume trends

Evaluate market penetration potential

Evaluate post-merger market implications

The Property/Casualty Market Share Report provides fundamental market information that can be used by regulators, insurers and others interested in analyzing the insurance industry. This report gives users an understanding of the overall size of the market by providing data at a state and national level. Included in this report are several charts and graphs that illustrate premium growth over the past 10 years. These charts can be used to identify nationwide premium volume trends. This is pertinent information for anyone attempting to evaluate an insurers market penetration or growth potential.

The Property/Casualty Market Share Report serves as an important tool for insurance regulators and can help them identify the top P/C writers in their jurisdiction. Knowing this allows them to quickly and effectively target insurance department resources. This is important when responding to market or financial conditions in their jurisdiction. Many states have antitrust laws that prevent insurers from merging or combining with other insurers if the post-merger impact stifles competition within the state. Insurance regulators can assess any proposed merger transaction by evaluating the combined market share percentage of the participating insurers.

The data contained in this report can be used for financial or market analysis. Significant changes in an insurers market share ranking can be an indication of competitiveness, financial or market health, or structural changes. For instance, steady market share growth allows an insurer to gain greater economies of scale and retain more in its bottom line. However, rapid market share increases can indicate that an insurer is growing too fast and should be examined for solvency stability and rate inadequacy. Rapid market share increases could also be the result of a merger. In contrast, rapid market decreases could indicate that the insurer is reducing its exposure, has ceased writing due to financial difficulty or is encountering market conduct issues.

Utilizing this report allows insurers to identify their competitors and comparative market share. This allows insurers to easily assess their competitive position and assist in establishing strategic objectives, such as premium growth goals or benchmark targets.



PROPERTY AND CASUALTY INSURANCE INDUSTRY2017 MARKET SHARE REPORT

Direct Loss Ratios by Line of BusinessStates, U. S. Territories, Canada and Aggregate Other Alien

(In Millions)

Line of Business

2017

Earned DirectPremium Losses

2016


2015


2014


2013


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

Loss Ratios

633,907.8 423,603.1

66.82

608,060.0 368,324.6

60.57

585,676.8 334,793.4

57.16

559,012.9 314,238.1

56.21

541,078.8 303,125.2

56.02

1. Fire

Loss Ratios

12,424.6 8,353.8

67.24

12,675.0 5,838.9

46.07

12,977.9 5,618.3

43.29

13,315.9 5,681.7

42.67

13,420.2 4,830.7

36.00

2.1 Allied lines

Loss Ratios

11,757.3 20,409.7

173.59

12,229.2 6,568.0

53.71

12,850.3 5,076.5

39.51

12,788.0 4,649.8

36.36

13,063.2 5,564.5

42.60

2.2 Multiple peril crop

Loss Ratios

10,241.8 5,880.6

57.42

9,307.8 4,801.3

51.58

9,509.3 6,843.1

71.96

10,057.9 9,218.6

91.65

11,787.4 12,990.3

110.20

2.3 Federal flood

Loss Ratios

2,830.5 8,522.8

301.11

2,870.2 3,640.0

126.82

2,950.2 899.2

30.48

3,031.3 479.1

15.80

3,000.0 2,653.0

88.43

2.4 Private Crop

Loss Ratios

1,023.9 983.7

96.07

1,029.9 899.3

87.32

950.9 815.9

85.80

969.5 1,241.4

128.04

2.5 Private Flood

Loss Ratios

599.6 989.1

164.97

239.5 91.4

38.17

3. Farmowners multiple peril

Loss Ratios

4,214.0 3,085.9

73.23

4,116.0 2,200.5

53.46

3,993.6 2,030.7

50.85

3,808.3 2,383.1

62.58

3,546.9 1,894.7

53.42

4. Homeowners multiple peril

Loss Ratios

92,662.7 68,593.5

74.02

90,475.3 47,564.4

52.57

87,566.2 43,693.3

49.90

84,796.9 42,017.4

49.55

80,825.3 37,408.4

46.28

5.1 Commercial multiple peril (non-liability portion)

Loss Ratios

25,441.0 19,835.1

77.97

25,376.6 13,113.8

51.68

25,211.4 11,395.3

45.20

24,771.4 12,683.5

51.20

24,149.0 10,873.1

45.03

* 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.




(In Millions)

Line of Business

2017


2016


2015


2014


2013


5.2 Commercial multiple peril (liability portion)

Loss Ratios

15,005.1 7,214.7

48.08

14,551.1 7,117.7

48.92

14,185.3 6,362.3

44.85

13,875.3 6,173.8

44.49

13,062.5 5,913.1

45.27

Total commercial peril

Loss Ratios

40,446.0 27,049.8

66.88

39,927.7 20,231.5

50.67

39,396.7 17,757.5

45.07

38,646.7 18,857.3

48.79

37,211.5 16,786.2

45.11

6. Mortgage guaranty

Loss Ratios

4,895.5 596.6

12.19

4,757.8 927.4

19.49

4,484.1 1,296.9

28.92

4,189.0 1,814.5

43.32

4,068.3 2,838.4

69.77

8. Ocean marine

Loss Ratios

3,313.2 2,138.3

64.54

3,446.8 1,773.1

51.44

3,752.1 1,707.3

45.50

3,923.8 1,509.9

38.48

3,895.8 1,423.9

36.55

9. Inland marine

Loss Ratios

22,440.6 12,101.6

53.93

21,271.5 10,372.8

48.76

20,182.3 9,587.5

47.50

18,567.5 8,482.4

45.68

16,881.2 7,318.1

43.35

10. Financial guaranty

Loss Ratios

1,103.1 1,939.2

175.81

1,663.9 539.5

32.42

1,689.8 -199.7

-11.82

1,451.6 -460.1

-31.70

1,858.5 -1,631.6

-87.79

11. Medical professional liability

Loss Ratios

9,215.2 4,533.0

49.19

9,378.7 4,578.5

48.82

9,524.5 4,056.6

42.59

9,692.1 3,785.1

39.05

9,858.1 3,824.4

38.79

12. Earthquake

Loss Ratios

2,260.5 131.9

5.84

2,251.6 -4.7

-0.21

2,283.9 -7.3

-0.32

2,289.1 21.0

0.92

2,279.7 -44.7

-1.96

16. Workers compensation

Loss Ratios

62,239.1 31,741.2

51.00

62,279.2 34,962.8

56.14

61,511.3 36,139.0

58.75

53,979.7 32,643.6

60.47

55,191.7 34,873.1

63.19

17.1, 17.2 Other liability

Loss Ratios

62,995.7 33,672.0

53.45

60,880.9 37,394.8

61.42

59,009.9 33,074.2

56.05

55,693.2 28,061.2

50.39

55,693.2 28,061.2

50.39





(In Millions)

Line of Business

2017


2016


2015


2014


2013


17.3 Excess workers compensation

Loss Ratios

1,145.6 815.0

71.14

1,189.6 902.5

75.86

1,155.6 1,046.3

90.54

1,142.5 797.4

69.80

1,054.6 1,188.1

112.66

18. Products liability

Loss Ratios

3,602.7 1,327.8

36.86

3,548.5 1,280.5

36.09

3,624.2 1,637.2

45.17

3,451.1 1,131.0

32.77

3,359.8 1,726.3

51.38

19.1 Private passenger auto no-fault (per. injury protection)

Loss Ratios

16,128.2 12,617.7

78.23

15,160.1 12,313.9

81.23

14,785.3 11,414.9

77.20

15,063.6 11,066.7

73.47

15,006.7 12,313.3

82.05

19.2 Other private passenger auto liability

Loss Ratios

119,235.3 82,904.1

69.53

110,229.2 80,707.0

73.22

103,026.1 71,922.7

69.81

99,113.9 65,515.2

66.10

94,952.7 61,924.8

65.22

21.1 Private passenger auto physical damage

Loss Ratios

90,676.4 59,966.4

66.13

84,453.1 57,737.3

68.37

78,516.9 50,713.8

64.59

73,602.2 47,210.7

64.14

69,512.6 43,367.9

62.39

Total Private Passenger

Loss Ratios

226,039.9 155,488.2

68.79

209,842.4 150,758.2

71.84

196,328.3 134,051.4

68.28

187,779.7 123,792.6

65.92

179,472.0 117,606.0

65.53

19.3 Commercial auto no-fault (per. injury protection)

Loss Ratios

829.7 639.9

77.12

727.2 542.8

74.64

692.5 420.7

60.75

677.8 522.8

77.12

644.9 371.8

57.65

19.4 Other commercial auto liability

Loss Ratios

25,545.8 18,129.9

70.97

23,803.2 16,776.2

70.48

22,353.4 15,101.8

67.56

20,834.6 13,317.8

63.92

19,356.3 12,176.1

62.91

21.2 Commercial auto physical damage

Loss Ratios

8,440.5 5,672.2

67.20

7,835.5 4,996.9

63.77

7,277.0 4,413.4

60.65

6,736.0 4,229.1

62.78

6,106.6 3,819.0

62.54

Total Commercial Auto

Loss Ratios

34,815.9 24,441.9

70.20

32,365.9 22,315.9

68.95

30,323.0 19,936.0

65.75

28,248.4 18,069.6

63.97

26,107.9 16,366.9

62.69





(In Millions)

Line of Business

2017


2016


2015


2014


2013


22. Aircraft (all perils)

Loss Ratios

1,591.2 886.5

55.71

1,562.1 875.9

56.08

1,630.9 741.2

45.44

1,686.3 854.5

50.67

1,769.8 802.4

45.34

23. Fidelity

Loss Ratios

1,231.7 490.4

39.82

1,246.8 480.6

38.55

1,230.4 490.3

39.85

1,214.0 614.2

50.59

1,185.5 524.3

44.22

24. Surety

Loss Ratios

6,016.9 938.3

15.59

5,763.6 892.1

15.48

5,600.1 1,013.3

18.09

5,316.9 781.9

14.71

5,185.8 843.1

16.26

26. Burglary and theft

Loss Ratios

315.3 33.7

10.68

287.8 53.4

18.55

271.8 63.0

23.17

257.3 38.9

15.10

237.0 25.3

10.66

27. Boiler and Machinery

Loss Ratios

1,716.3 751.8

43.80

1,693.3 759.8

44.87

1,665.5 539.2

32.38

1,534.5 671.7

43.77

1,517.0 504.3

33.24

28. Credit

Loss Ratios

2,103.0 1,014.2

48.23

1,916.0 853.1

44.53

1,900.9 713.9

37.55

1,919.8 508.5

26.49

2,076.1 529.0

25.48

30. Warranty

Loss Ratios

2,534.9 1,438.8

56.76

2,408.7 1,317.3

54.69

2,351.9 1,250.2

53.16

2,418.5 1,580.3

65.34

2,509.3 1,704.6

67.93



-4.0%

-3.0%

-2.0%

-1.0%

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

6.0%

0.0

100.0

200.0

300.0

400.0

500.0

600.0

700.0

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

Gro

wth

Rat

e (%

)

Dire

ct W

ritte

n Pr

emiu

m In

Bill

ions

Direct Written Premium Trend 2007 - 2017



35Total All Lines



Property and Casualty Insurance Industry2017 Market Share Report - Total Premium

STATES, U.S. TERRITORIES, CANADA, AGGREGATE OTHER ALIEN35 - Total All Lines

Group/Company

CodeGroup/Company NameRank

Premiums

STATE

CumulativeMarketMarketShareShare

WrittenPremiums

Direct Direct

EarnedRatioLoss

RatioContainmentLoss & Cost

(000)(000)1 176 STATE FARM GRP %10.05%10.0564,897,130 63,991,878 71.72 73.97 % %2 31 BERKSHIRE HATHAWAY GRP %16.00%5.9538,408,251 36,826,904 72.04 76.02 % %3 111 LIBERTY MUT GRP %21.24%5.2433,831,726 33,202,969 66.77 71.86 % %4 8 ALLSTATE INS GRP %26.11%4.8831,501,664 31,300,856 61.53 64.20 % %5 155 PROGRESSIVE GRP %30.43%4.3127,862,882 26,427,456 64.49 66.53 % %6 3548 TRAVELERS GRP %34.28%3.8524,875,076 24,468,181 56.64 61.74 % %7 626 CHUBB LTD GRP %37.57%3.2921,266,737 21,293,313 62.53 68.65 % %8 200 UNITED SERV AUTOMOBILE ASSN GRP %40.69%3.1220,151,368 19,494,955 79.71 81.66 % %9 69 FARMERS INS GRP %43.77%3.0819,862,472 19,789,794 73.63 75.85 % %

10 140 NATIONWIDE CORP GRP %46.75%2.9819,218,907 19,417,805 73.85 77.50 % %11 12 AMERICAN INTL GRP %48.93%2.1814,091,439 14,765,326 83.43 89.78 % %12 212 ZURICH INS GRP %50.95%2.0213,022,736 12,842,382 70.54 77.73 % %13 91 HARTFORD FIRE & CAS GRP %52.67%1.7211,134,409 11,192,988 58.40 66.44 % %14 218 CNA INS GRP %54.29%1.6210,455,109 10,021,585 60.84 67.41 % %15 2538 AMTRUST NGH GRP %55.87%1.5810,210,058 9,722,707 66.79 74.06 % %16 473 AMERICAN FAMILY INS GRP %57.16%1.308,363,930 8,136,216 68.95 70.78 % %17 280 AUTO OWNERS GRP %58.27%1.117,152,202 6,811,789 57.88 62.09 % %18 3098 TOKIO MARINE HOLDINGS INC GRP %59.33%1.056,807,925 6,719,798 63.06 69.81 % %19 213 ERIE INS GRP %60.36%1.036,656,501 6,467,328 58.15 60.71 % %20 84 AMERICAN FINANCIAL GRP %61.27%0.925,912,248 5,791,938 54.45 62.38 % %21 98 WR BERKLEY CORP GRP %62.16%0.895,740,268 5,706,593 43.74 51.82 % %22 19 ASSURANT INC GRP %63.04%0.885,661,282 5,548,370 78.70 78.86 % %23 158 FAIRFAX FIN GRP %63.89%0.855,471,903 5,329,461 59.26 70.44 % %24 244 CINCINNATI FIN GRP %64.64%0.754,858,278 4,755,484 51.32 56.47 % %25 785 MARKEL CORP GRP %65.35%0.724,626,166 4,403,323 51.63 60.77 % %26 88 THE HANOVER INS GRP %66.06%0.704,541,158 4,403,297 54.48 60.93 % %27 1285 XL AMER GRP %66.75%0.694,468,541 4,434,853 66.62 77.34 % %28 796 QBE INS GRP %67.40%0.654,211,962 4,375,915 69.57 72.10 % %29 150 OLD REPUBLIC GRP %68.04%0.644,122,181 4,038,136 59.32 66.71 % %30 1318 AUTO CLUB ENTERPRISES INS GRP %68.67%0.634,053,424 3,856,648 68.35 70.43 % %31 761 ALLIANZ INS GRP %69.28%0.613,968,529 3,781,008 70.56 77.28 % %32 1278 CSAA INS GRP %69.88%0.603,858,085 3,711,478 90.32 92.16 % %33 241 METROPOLITAN GRP %70.45%0.573,672,476 3,638,155 61.48 62.62 % %34 1279 ARCH INS GRP %71.00%0.553,569,341 3,605,018 46.19 51.37 % %35 65 FM GLOBAL GRP %71.55%0.553,550,622 3,694,509 89.28 89.42 % %36 660 MERCURY GEN GRP %72.05%0.503,212,766 3,180,458 67.17 71.18 % %37 411 MAPFRE INS GRP %72.47%0.432,752,502 2,696,088 95.16 96.96 % %38 242 SELECTIVE INS GRP %72.90%0.422,733,459 2,647,494 49.99 55.35 % %39 3219 SOMPO GRP %73.30%0.402,564,778 2,436,072 72.08 80.02 % %40 361 MUNICH RE GRP %73.67%0.382,426,060 2,369,544 60.80 65.64 % %41 50 COUNTRY INS & FIN SERV GRP %74.04%0.372,412,866 2,385,004 62.85 64.00 % %42 55 AUTOMOBILE CLUB MI GRP %74.42%0.372,410,584 2,370,563 89.55 92.62 % %43 28 AMICA MUT GRP %74.78%0.362,309,584 2,218,148 68.19 70.76 % %44 4670 STARR GRP %75.13%0.352,287,895 2,169,764 76.43 88.33 % %45 36102 STATE INS FUND %75.48%0.352,277,778 2,295,572 57.35 58.31 % %46 169 SENTRY INS GRP %75.83%0.352,234,765 2,197,795 63.47 68.10 % %47 WASHINGTON STATE FUND %76.15%0.322,080,809 2,080,809 65.09 73.04 % %48 175 STATE AUTO MUT GRP %76.46%0.312,003,222 2,026,154 57.87 63.85 % %49 708 NEW JERSEY MANUFACTURERS GRP %76.76%0.301,915,750 1,860,501 58.77 65.36 % %50 228 WESTFIELD GRP %77.05%0.301,905,705 1,885,009 57.97 62.67 % %51 1120 EVEREST REINS HOLDINGS GRP %77.34%0.291,881,948 1,664,102 60.47 66.85 % %52 215 KEMPER CORP GRP %77.63%0.281,837,035 1,804,714 68.78 70.25 % %53 181 SWISS RE GRP %77.91%0.281,834,989 1,745,680 89.16 99.24 % %54 62 EMC INS CO GRP %78.18%0.271,736,441 1,685,985 53.70 58.55 % %55 7 FEDERATED MUT GRP %78.45%0.261,708,792 1,658,207 59.34 63.65 % %56 123 SHELTER INS GRP %78.70%0.251,632,209 1,602,857 66.10 67.69 % %57 OHIO BUREAU OF WORKERS' COMPENSATION %78.94%0.241,577,978 1,574,212 53.01 76.19 % %58 3416 AXIS CAPITAL GRP %79.19%0.241,575,837 1,559,779 70.53 72.70 % %59 408 AMERICAN NATL FIN GRP %79.43%0.241,550,089 1,503,320 60.92 62.74 % %60 513 IOWA FARM BUREAU GRP %79.66%0.231,504,708 1,482,716 65.07 66.09 % %61 457 ARGONAUT GRP %79.89%0.231,486,885 1,363,948 46.64 57.89 % %62 14184 ACUITY A MUT INS CO %80.11%0.221,438,732 1,397,843 56.46 60.31 % %63 483 SOUTHERN FARM BUREAU CAS GRP %80.33%0.221,426,276 1,397,295 73.35 75.25 % %64 3495 INFINITY PROP & CAS INS GRP %80.55%0.221,397,276 1,384,048 66.98 68.74 % %65 35076 STATE COMPENSATION INS FUND %80.76%0.211,360,106 1,324,930 39.18 45.11 % %66 501 ALLEGHANY GRP %80.97%0.211,341,369 1,321,545 55.54 65.49 % %



STATES, U.S. TERRITORIES, CANADA, AGGREGATE OTHER ALIEN35 - Total All Lines

Group/Company


Premiums

STATE


WrittenPremiums

Direct Direct

EarnedRatioLoss


(000)(000)67 572 BCBS OF MI GRP %81.18%0.211,337,558 1,310,652 47.46 52.20 % %68 5 ALFA INS GRP %81.38%0.201,316,981 1,282,196 64.81 65.93 % %69 694 TENNESSEE FARMERS GRP %81.58%0.201,271,583 1,247,180 69.28 71.77 % %70 4904 INTACT FINANCIAL GRP %81.77%0.191,220,463 1,198,319 55.24 66.51 % %71 809 TEXAS FARM BUREAU MUT GRP %81.95%0.191,215,539 1,212,411 82.16 82.97 % %72 267 GRANGE MUT CAS GRP %82.14%0.191,212,327 1,198,666 52.44 54.76 % %73 15350 WEST BEND MUT INS CO %82.33%0.181,193,688 1,153,780 52.97 55.92 % %74 4 AMERIPRISE FIN GRP %82.50%0.171,128,582 1,116,462 85.11 89.44 % %75 105 MGIC GRP %82.68%0.171,121,862 1,074,221 5.66 6.06 % %76 4698 ASPEN INS HOLDING GRP %82.85%0.171,117,826 1,072,850 96.53 104.67 % %77 291 MOTORISTS MUT GRP %83.02%0.171,090,709 1,091,092 60.79 68.74 % %78 324 NORTH CAROLINA FARM BUREAU GRP %83.19%0.171,087,071 1,067,546 60.36 60.79 % %79 248 UNITED FIRE & CAS GRP %83.35%0.161,065,207 1,043,738 58.49 63.00 % %80 4830 UNITED INS HOLDINGS GRP %83.52%0.161,063,221 1,013,101 70.68 73.05 % %81 225 IAT REINS CO GRP %83.68%0.161,062,188 1,022,353 49.21 52.99 % %82 4663 UNIVERSAL INS HOLDING GRP %83.84%0.161,055,886 999,198 67.01 67.34 % %83 109 KENTUCKY FARM BUREAU GRP %84.01%0.161,045,013 1,025,581 68.35 69.46 % %84 311 MAIN STREET AMER GRP %84.17%0.161,042,882 1,003,430 57.48 63.19 % %85 766 RADIAN GRP %84.33%0.161,032,735 993,718 13.52 13.52 % %86 510 NAVIGATORS GRP %84.48%0.161,020,633 960,876 32.66 52.42 % %87 201 UTICA GRP %84.64%0.161,006,918 967,202 50.61 58.07 % %88 922 ICW GRP ASSETS INC GRP %84.79%0.15996,605 997,604 50.31 56.83 % %89 22945 TEXAS MUT INS CO %84.95%0.15992,073 1,012,280 36.40 40.96 % %90 11445 CGB INS CO %85.10%0.15972,236 953,891 56.10 56.10 % %91 250 DONEGAL GRP %85.25%0.15965,104 928,060 63.09 67.90 % %92 4861 HERITAGE INS HOLDINGS GRP %85.39%0.15937,625 940,349 85.48 87.74 % %93 40827 VIRGINIA SURETY CO INC %85.54%0.15936,472 745,568 67.58 67.84 % %94 10064 CITIZENS PROP INS CORP %85.68%0.14893,990 923,852 177.41 190.68 % %95 866 WESTERN WORLD GRP %85.81%0.14874,878 790,833 89.12 93.28 % %96 783 RLI INS GRP %85.94%0.13848,153 835,118 45.95 53.54 % %97 3494 JAMES RIVER GRP %86.07%0.13843,719 842,182 58.49 69.73 % %98 124 AMERISURE CO GRP %86.20%0.13838,908 834,458 58.80 67.44 % %99 188 SAFETY GRP %86.33%0.13827,316 818,803 55.47 56.63 % %

100 586 ARBELLA INS GRP %86.46%0.13825,007 840,753 50.15 53.61 % %101 474 FCCI MUT INS GRP %86.59%0.13821,801 801,117 55.43 62.26 % %102 569 FARMERS MUT HAIL INS GRP %86.71%0.13811,054 815,265 49.05 49.11 % %103 2698 PROASSURANCE CORP GRP %86.84%0.12802,851 780,186 43.20 59.43 % %104 256 PROSIGHT GRP %86.96%0.12789,810 738,634 44.91 59.09 % %105 67 MICHIGAN FARM BUREAU GRP %87.08%0.12787,137 776,064 60.88 65.03 % %106 4664 PURE COMPANIES GRP %87.20%0.12781,333 714,004 56.49 57.54 % %107 4011 GENWORTH FIN GRP %87.32%0.12778,577 716,684 14.36 14.36 % %108 4851 CHURCH MUT GRP %87.44%0.12761,868 734,028 52.91 55.64 % %109 1227 PALISADES GRP %87.56%0.12749,719 739,665 55.73 58.46 % %110 271 PENNSYLVANIA NATL INS GRP %87.67%0.12744,275 731,692 55.22 60.52 % %111 3484 TOWER HILL INS GRP %87.79%0.11738,292 730,839 83.83 87.79 % %112 36 CENTRAL MUT INS CO GRP %87.90%0.11719,990 691,141 58.37 60.12 % %113 3363 EMPLOYERS HOLDINGS GRP %88.01%0.11719,567 712,500 46.87 53.77 % %114 831 DOCTORS CO GRP %88.12%0.11703,912 679,204 37.00 65.15 % %115 309 WESTERN NATL MUT GRP %88.23%0.11695,836 670,943 60.76 64.97 % %116 1309 FRANKENMUTH GRP %88.33%0.11695,521 675,954 50.90 54.16 % %117 300 HORACE MANN GRP %88.44%0.10670,465 655,980 66.00 66.77 % %118 153 PEKIN INS GRP %88.54%0.10648,387 646,286 63.81 67.19 % %119 71 UNIVERSAL INS CO GRP %88.64%0.10645,876 651,788 145.45 152.07 % %120 542 INDIANA FARM BUREAU GRP %88.74%0.10629,737 617,200 58.90 59.93 % %121 79 ALLY INS HOLDINGS GRP %88.83%0.10628,674 599,797 65.18 64.99 % %122 41190 PINNACOL ASSUR %88.93%0.10620,980 618,554 48.61 52.39 % %123 4834 FEDNAT GRP %89.03%0.10619,636 619,235 86.47 97.20 % %124 96 SECURA INS GRP %89.12%0.10615,773 598,629 60.56 65.33 % %125 11523 WRIGHT NATL FLOOD INS CO %89.21%0.09604,623 592,287 383.42 383.64 % %

**INDUSTRY TOTAL** %89.21%100.00645,771,913 633,843,852 66.73 71.32 % %



STATES AND U.S. TERRITORIES35 - Total All Lines

Group/Company


Premiums

STATE


WrittenPremiums

Direct Direct

EarnedRatioLoss


(000)(000)1 176 STATE FARM GRP %10.15%10.1564,897,210 63,991,954 72.00 74.41 % %2 31 BERKSHIRE HATHAWAY GRP %16.12%5.9738,201,498 36,665,185 72.04 76.01 % %3 111 LIBERTY MUT GRP %21.33%5.2133,325,863 32,737,653 66.66 71.72 % %4 8 ALLSTATE INS GRP %26.25%4.9231,501,664 31,300,856 61.53 64.20 % %5 155 PROGRESSIVE GRP %30.61%4.3527,853,198 26,406,896 64.48 66.51 % %6 3548 TRAVELERS GRP %34.48%3.8724,774,024 24,363,265 56.67 61.79 % %7 626 CHUBB LTD GRP %37.70%3.2220,607,070 20,623,406 62.64 68.80 % %8 200 UNITED SERV AUTOMOBILE ASSN GRP %40.85%3.1520,144,386 19,488,057 79.72 81.67 % %9 69 FARMERS INS GRP %43.95%3.1119,862,472 19,789,794 73.63 75.85 % %

10 140 NATIONWIDE CORP GRP %46.96%3.0019,215,518 19,414,707 73.86 77.51 % %11 12 AMERICAN INTL GRP %49.07%2.1213,541,134 14,075,839 87.54 93.86 % %12 212 ZURICH INS GRP %51.10%2.0312,981,668 12,793,416 70.72 77.99 % %13 91 HARTFORD FIRE & CAS GRP %52.84%1.7411,116,010 11,179,581 58.52 66.48 % %14 2538 AMTRUST NGH GRP %54.44%1.6010,203,848 9,715,070 66.78 74.06 % %15 218 CNA INS GRP %56.03%1.5910,190,489 9,760,178 61.65 67.99 % %16 473 AMERICAN FAMILY INS GRP %57.34%1.318,363,930 8,136,216 68.95 70.78 % %17 280 AUTO OWNERS GRP %58.46%1.127,152,202 6,811,789 57.88 62.09 % %18 3098 TOKIO MARINE HOLDINGS INC GRP %59.52%1.066,791,290 6,703,027 62.45 69.22 % %19 213 ERIE INS GRP %60.56%1.046,656,501 6,467,328 58.15 60.71 % %20 84 AMERICAN FINANCIAL GRP %61.47%0.915,817,120 5,697,412 54.48 62.44 % %21 98 WR BERKLEY CORP GRP %62.34%0.875,575,882 5,554,159 43.68 51.89 % %22 19 ASSURANT INC GRP %63.16%0.835,284,443 5,160,461 82.80 82.96 % %23 244 CINCINNATI FIN GRP %63.92%0.764,858,278 4,755,484 51.32 56.47 % %24 158 FAIRFAX FIN GRP %64.68%0.764,855,532 4,726,214 59.23 70.73 % %25 785 MARKEL CORP GRP %65.41%0.724,625,142 4,402,364 51.64 60.78 % %26 88 THE HANOVER INS GRP %66.12%0.714,540,244 4,402,545 54.49 60.94 % %27 1285 XL AMER GRP %66.78%0.664,228,614 4,255,873 65.56 76.23 % %28 796 QBE INS GRP %67.44%0.664,211,962 4,375,915 69.57 72.10 % %29 150 OLD REPUBLIC GRP %68.08%0.644,122,181 4,038,136 59.32 66.71 % %30 1318 AUTO CLUB ENTERPRISES INS GRP %68.71%0.634,053,424 3,856,648 68.35 70.43 % %31 1278 CSAA INS GRP %69.32%0.603,858,085 3,711,478 90.32 92.16 % %32 241 METROPOLITAN GRP %69.89%0.573,672,476 3,638,155 61.48 62.62 % %33 1279 ARCH INS GRP %70.45%0.563,562,059 3,598,527 46.19 51.34 % %34 761 ALLIANZ INS GRP %70.99%0.553,492,487 3,328,615 74.73 81.77 % %35 660 MERCURY GEN GRP %71.50%0.503,212,766 3,180,458 67.17 71.18 % %36 65 FM GLOBAL GRP %71.95%0.452,902,838 3,045,720 96.66 96.79 % %37 411 MAPFRE INS GRP %72.38%0.432,750,985 2,694,870 95.18 96.98 % %38 242 SELECTIVE INS GRP %72.81%0.432,733,459 2,647,494 49.99 55.35 % %39 3219 SOMPO GRP %73.21%0.402,563,426 2,434,507 72.12 80.06 % %40 361 MUNICH RE GRP %73.59%0.382,422,848 2,358,347 63.02 68.19 % %41 50 COUNTRY INS & FIN SERV GRP %73.96%0.382,412,866 2,385,004 62.85 64.00 % %42 55 AUTOMOBILE CLUB MI GRP %74.34%0.382,410,584 2,370,563 89.55 92.62 % %43 28 AMICA MUT GRP %74.70%0.362,309,584 2,218,148 68.19 70.76 % %44 36102 STATE INS FUND %75.06%0.362,277,778 2,295,572 57.35 58.31 % %45 169 SENTRY INS GRP %75.41%0.352,233,447 2,196,535 63.52 68.15 % %46 WASHINGTON STATE FUND %75.73%0.332,080,809 2,080,809 65.09 73.04 % %47 175 STATE AUTO MUT GRP %76.05%0.312,003,222 2,026,154 57.87 63.85 % %48 4670 STARR GRP %76.36%0.311,981,643 1,926,833 80.15 92.95 % %49 708 NEW JERSEY MANUFACTURERS GRP %76.65%0.301,915,750 1,860,501 58.77 65.36 % %50 228 WESTFIELD GRP %76.95%0.301,905,705 1,885,009 57.97 62.67 % %51 1120 EVEREST REINS HOLDINGS GRP %77.25%0.291,874,714 1,660,180 60.92 67.42 % %52 215 KEMPER CORP GRP %77.53%0.291,837,035 1,804,714 68.78 70.25 % %53 62 EMC INS CO GRP %77.80%0.271,736,441 1,685,985 53.70 58.55 % %54 7 FEDERATED MUT GRP %78.07%0.271,708,792 1,658,207 59.34 63.65 % %55 181 SWISS RE GRP %78.34%0.271,695,531 1,600,256 89.54 99.91 % %56 123 SHELTER INS GRP %78.59%0.261,632,209 1,602,857 66.10 67.69 % %57 OHIO BUREAU OF WORKERS' COMPENSATION %78.84%0.251,577,978 1,574,212 53.01 76.19 % %58 408 AMERICAN NATL FIN GRP %79.08%0.241,550,089 1,503,320 60.92 62.74 % %59 3416 AXIS CAPITAL GRP %79.32%0.241,516,121 1,505,974 71.97 73.82 % %60 513 IOWA FARM BUREAU GRP %79.55%0.241,504,708 1,482,716 65.07 66.09 % %61 457 ARGONAUT GRP %79.79%0.231,486,885 1,363,948 46.64 57.89 % %62 14184 ACUITY A MUT INS CO %80.01%0.221,438,732 1,397,843 56.46 60.31 % %63 483 SOUTHERN FARM BUREAU CAS GRP %80.23%0.221,426,276 1,397,295 73.35 75.25 % %64 3495 INFINITY PROP & CAS INS GRP %80.45%0.221,397,276 1,384,048 66.98 68.74 % %65 35076 STATE COMPENSATION INS FUND %80.66%0.211,360,106 1,324,930 39.18 45.11 % %66 501 ALLEGHANY GRP %80.87%0.211,341,369 1,321,545 55.54 65.49 % %



STATES AND U.S. TERRITORIES35 - Total All Lines

Group/Company


Premiums

STATE


WrittenPremiums

Direct Direct

EarnedRatioLoss


(000)(000)67 572 BCBS OF MI GRP %81.08%0.211,337,558 1,310,652 47.46 52.20 % %68 5 ALFA INS GRP %81.29%0.211,316,981 1,282,196 64.81 65.93 % %69 694 TENNESSEE FARMERS GRP %81.49%0.201,271,583 1,247,180 69.28 71.77 % %70 4904 INTACT FINANCIAL GRP %81.68%0.191,219,217 1,196,940 55.33 66.62 % %71 809 TEXAS FARM BUREAU MUT GRP %81.87%0.191,215,539 1,212,411 82.16 82.97 % %72 267 GRANGE MUT CAS GRP %82.06%0.191,212,327 1,198,666 52.44 54.76 % %73 15350 WEST BEND MUT INS CO %82.24%0.191,193,688 1,153,780 52.97 55.92 % %74 4 AMERIPRISE FIN GRP %82.42%0.181,128,582 1,116,462 85.11 89.44 % %75 105 MGIC GRP %82.60%0.181,121,862 1,074,221 5.66 6.06 % %76 4698 ASPEN INS HOLDING GRP %82.77%0.171,117,826 1,072,850 96.53 104.67 % %77 291 MOTORISTS MUT GRP %82.94%0.171,090,709 1,091,092 60.79 68.74 % %78 324 NORTH CAROLINA FARM BUREAU GRP %83.11%0.171,087,071 1,067,546 60.36 60.79 % %79 248 UNITED FIRE & CAS GRP %83.28%0.171,065,207 1,043,738 58.49 63.00 % %80 4830 UNITED INS HOLDINGS GRP %83.44%0.171,063,221 1,013,101 70.68 73.05 % %81 4663 UNIVERSAL INS HOLDING GRP %83.61%0.171,055,886 999,198 67.01 67.34 % %82 109 KENTUCKY FARM BUREAU GRP %83.77%0.161,045,013 1,025,581 68.35 69.46 % %83 311 MAIN STREET AMER GRP %83.94%0.161,042,882 1,003,430 57.48 63.19 % %84 766 RADIAN GRP %84.10%0.161,032,733 993,716 13.52 13.52 % %85 225 IAT REINS CO GRP %84.26%0.161,024,267 987,115 48.59 52.40 % %86 201 UTICA GRP %84.41%0.161,006,918 967,202 50.61 58.07 % %87 922 ICW GRP ASSETS INC GRP %84.57%0.16996,255 997,257 50.28 56.80 % %88 22945 TEXAS MUT INS CO %84.73%0.16992,073 1,012,280 36.40 40.96 % %89 510 NAVIGATORS GRP %84.88%0.15975,353 911,204 29.18 49.61 % %90 11445 CGB INS CO %85.03%0.15972,236 953,891 56.10 56.10 % %91 250 DONEGAL GRP %85.18%0.15965,104 928,060 63.09 67.90 % %92 4861 HERITAGE INS HOLDINGS GRP %85.33%0.15937,625 940,349 85.48 87.74 % %93 40827 VIRGINIA SURETY CO INC %85.47%0.14923,101 724,391 68.09 68.36 % %94 10064 CITIZENS PROP INS CORP %85.61%0.14893,990 923,852 177.41 190.68 % %95 866 WESTERN WORLD GRP %85.75%0.14874,878 790,833 89.12 93.28 % %96 3494 JAMES RIVER GRP %85.88%0.13843,719 842,182 58.49 69.73 % %97 124 AMERISURE CO GRP %86.01%0.13838,908 834,458 58.80 67.44 % %98 783 RLI INS GRP %86.14%0.13835,598 821,734 46.26 53.97 % %99 188 SAFETY GRP %86.27%0.13827,316 818,803 55.47 56.63 % %

100 586 ARBELLA INS GRP %86.40%0.13825,007 840,753 50.15 53.61 % %101 474 FCCI MUT INS GRP %86.53%0.13821,801 801,117 55.43 62.26 % %102 569 FARMERS MUT HAIL INS GRP %86.66%0.13811,054 815,265 49.05 49.11 % %103 2698 PROASSURANCE CORP GRP %86.78%0.13802,558 779,856 43.22 59.41 % %104 256 PROSIGHT GRP %86.90%0.12787,846 736,644 45.09 59.32 % %105 67 MICHIGAN FARM BUREAU GRP %87.03%0.12787,137 776,064 60.88 65.03 % %106 4664 PURE COMPANIES GRP %87.15%0.12781,333 714,004 56.49 57.54 % %107 4011 GENWORTH FIN GRP %87.27%0.12777,836 715,905 14.14 14.14 % %108 4851 CHURCH MUT GRP %87.39%0.12761,868 734,028 52.91 55.64 % %109 1227 PALISADES GRP %87.51%0.12749,719 739,665 55.73 58.46 % %110 271 PENNSYLVANIA NATL INS GRP %87.62%0.12744,275 731,692 55.22 60.52 % %111 3484 TOWER HILL INS GRP %87.74%0.12738,292 730,839 83.83 87.79 % %112 36 CENTRAL MUT INS CO GRP %87.85%0.11719,990 691,141 58.37 60.12 % %113 3363 EMPLOYERS HOLDINGS GRP %87.96%0.11719,567 712,500 46.87 53.77 % %114 831 DOCTORS CO GRP %88.07%0.11703,912 679,204 37.00 65.15 % %115 309 WESTERN NATL MUT GRP %88.18%0.11695,836 670,943 60.76 64.97 % %116 1309 FRANKENMUTH GRP %88.29%0.11695,521 675,954 50.90 54.16 % %117 300 HORACE MANN GRP %88.40%0.10670,465 655,980 66.00 66.77 % %118 153 PEKIN INS GRP %88.50%0.10648,387 646,286 63.81 67.19 % %119 71 UNIVERSAL INS CO GRP %88.60%0.10645,876 651,788 145.45 152.07 % %120 542 INDIANA FARM BUREAU GRP %88.70%0.10629,737 617,200 58.90 59.93 % %121 41190 PINNACOL ASSUR %88.79%0.10620,980 618,554 48.61 52.39 % %122 4834 FEDNAT GRP %88.89%0.10619,636 619,235 86.47 97.20 % %123 96 SECURA INS GRP %88.99%0.10615,773 598,629 60.56 65.33 % %124 11523 WRIGHT NATL FLOOD INS CO %89.08%0.09604,623 592,287 383.42 383.64 % %125 3478 HALLMARK FIN SERV GRP %89.17%0.09595,285 560,265 67.23 73.92 % %

**INDUSTRY TOTAL** %100.00%100.00639,687,225 627,830,740 66.93 71.53 % %



BY STATE BY GROUP35 - Total All Lines

Group/Company


Premiums

STATE


WrittenPremiums

Direct Direct

EarnedRatioLoss


(000)(000)1 176 STATE FARM GRP %16.68%16.681,416,803 1,402,891Alabama 64.10 65.59 % %2 5 ALFA INS GRP %26.28%9.60814,916 793,002 64.15 65.25 % %3 8 ALLSTATE INS GRP %33.07%6.79576,230 569,394 48.07 50.09 % %4 31 BERKSHIRE HATHAWAY GRP %37.86%4.79407,040 390,321 71.02 74.89 % %5 200 UNITED SERV AUTOMOBILE ASSN GRP %42.45%4.59389,804 372,164 73.17 74.47 % %6 3548 TRAVELERS GRP %46.81%4.36370,481 369,170 74.42 79.48 % %7 155 PROGRESSIVE GRP %50.78%3.96336,616 317,371 59.55 61.30 % %8 111 LIBERTY MUT GRP %54.21%3.43291,084 287,204 63.48 60.86 % %9 140 NATIONWIDE CORP GRP %57.31%3.11263,699 263,851 62.28 65.91 % %

10 280 AUTO OWNERS GRP %59.84%2.53214,860 205,446 44.40 48.31 % %**STATE TOTAL** %59.84%100.008,491,668 8,327,006 61.29 64.73 % %

1 176 STATE FARM GRP %14.20%14.20223,700 222,595Alaska 63.35 64.92 % %2 111 LIBERTY MUT GRP %22.27%8.07127,061 126,198 44.95 48.92 % %3 200 UNITED SERV AUTOMOBILE ASSN GRP %30.23%7.95125,272 123,306 62.52 63.77 % %4 38733 ALASKA NATL INS CO %37.90%7.67120,825 119,747 22.65 25.25 % %5 31 BERKSHIRE HATHAWAY GRP %44.68%6.78106,718 106,335 61.33 62.89 % %6 8 ALLSTATE INS GRP %51.17%6.50102,329 103,843 44.40 46.46 % %7 12 AMERICAN INTL GRP %55.44%4.2767,168 64,507 30.60 33.73 % %8 155 PROGRESSIVE GRP %59.24%3.8059,909 59,410 65.04 66.18 % %9 309 WESTERN NATL MUT GRP %62.55%3.3052,017 49,325 60.06 64.00 % %

10 212 ZURICH INS GRP %65.18%2.6341,487 39,561 54.55 59.60 % %**STATE TOTAL** %65.18%100.001,574,801 1,563,748 54.01 57.49 % %

1 176 STATE FARM GRP %10.89%10.891,194,129 1,176,683Arizona 64.68 66.43 % %2 31 BERKSHIRE HATHAWAY GRP %18.45%7.56828,399 795,850 72.83 75.40 % %3 69 FARMERS INS GRP %25.22%6.77742,145 735,950 52.78 53.92 % %4 111 LIBERTY MUT GRP %31.27%6.05662,913 638,213 60.25 63.22 % %5 155 PROGRESSIVE GRP %36.51%5.24574,657 541,724 60.25 61.38 % %6 8 ALLSTATE INS GRP %41.59%5.07556,110 556,436 50.89 52.53 % %7 200 UNITED SERV AUTOMOBILE ASSN GRP %46.47%4.89535,621 515,018 70.67 72.33 % %8 473 AMERICAN FAMILY INS GRP %50.57%4.10449,289 434,826 62.45 63.91 % %9 3548 TRAVELERS GRP %54.15%3.57391,814 399,308 59.62 63.11 % %

10 91 HARTFORD FIRE & CAS GRP %56.56%2.41263,893 268,133 55.66 58.69 % %**STATE TOTAL** %56.56%100.0010,960,781 10,675,835 60.83 64.41 % %

1 176 STATE FARM GRP %15.38%15.38796,570 777,864Arkansas 60.76 61.43 % %2 123 SHELTER INS GRP %21.05%5.66293,278 284,611 64.02 65.16 % %3 483 SOUTHERN FARM BUREAU CAS GRP %26.27%5.23270,661 260,457 69.92 70.65 % %4 13757 FARM BUREAU MUT INS CO OF AR INC %30.86%4.59237,847 237,094 63.05 63.69 % %5 8 ALLSTATE INS GRP %35.30%4.43229,453 227,511 43.68 44.95 % %6 111 LIBERTY MUT GRP %39.40%4.10212,493 205,592 52.88 55.58 % %7 155 PROGRESSIVE GRP %42.87%3.48180,033 168,851 55.30 55.99 % %8 69 FARMERS INS GRP %46.17%3.30170,822 171,847 41.26 41.92 % %9 31 BERKSHIRE HATHAWAY GRP %49.40%3.23167,124 160,348 60.76 62.41 % %

10 140 NATIONWIDE CORP GRP %52.50%3.10160,380 159,233 58.30 60.07 % %**STATE TOTAL** %52.50%100.005,178,630 5,085,873 54.73 56.46 % %

1 176 STATE FARM GRP %8.07%8.076,110,876 6,072,020California 122.40 126.29 % %2 69 FARMERS INS GRP %15.87%7.805,901,438 5,886,516 86.81 89.24 % %3 31 BERKSHIRE HATHAWAY GRP %21.86%5.994,533,689 4,315,488 71.62 76.72 % %4 111 LIBERTY MUT GRP %26.57%4.723,570,252 3,476,325 94.56 104.90 % %5 8 ALLSTATE INS GRP %30.72%4.153,139,785 3,080,869 75.68 80.32 % %6 1318 AUTO CLUB ENTERPRISES INS GRP %34.49%3.772,852,536 2,703,586 66.47 68.69 % %7 626 CHUBB LTD GRP %38.18%3.692,795,389 2,795,809 76.35 85.05 % %8 660 MERCURY GEN GRP %41.76%3.582,708,254 2,661,161 67.43 71.29 % %9 3548 TRAVELERS GRP %45.29%3.532,674,587 2,596,771 75.90 83.11 % %

10 1278 CSAA INS GRP %48.69%3.402,575,697 2,450,093 104.23 106.07 % %**STATE TOTAL** %48.69%100.0075,703,594 74,218,369 78.30 85.12 % %




Group/Company


Premiums

STATE


WrittenPremiums

Direct Direct

EarnedRatioLoss


(000)(000)1 176 STATE FARM GRP %11.96%11.961,470,915 1,436,358Colorado 87.13 89.06 % %2 111 LIBERTY MUT GRP %19.03%7.07868,895 811,521 81.26 85.27 % %3 200 UNITED SERV AUTOMOBILE ASSN GRP %25.28%6.25769,026 735,339 82.67 84.12 % %4 473 AMERICAN FAMILY INS GRP %31.13%5.85719,515 700,514 95.87 98.10 % %5 69 FARMERS INS GRP %36.60%5.47672,661 670,868 65.43 66.71 % %6 8 ALLSTATE INS GRP %41.81%5.21640,428 634,179 78.06 80.37 % %7 41190 PINNACOL ASSUR %46.86%5.05620,980 618,554 48.61 52.39 % %8 3548 TRAVELERS GRP %51.61%4.75584,538 555,262 77.03 80.32 % %9 31 BERKSHIRE HATHAWAY GRP %56.19%4.57562,225 527,814 91.56 95.54 % %

10 155 PROGRESSIVE GRP %60.67%4.48551,137 515,014 68.36 69.17 % %**STATE TOTAL** %60.67%100.0012,297,042 11,909,441 76.89 81.01 % %

1 111 LIBERTY MUT GRP %8.40%8.40726,092 721,231Connecticut 54.30 59.26 % %2 31 BERKSHIRE HATHAWAY GRP %16.02%7.63659,307 638,533 69.42 72.40 % %3 3548 TRAVELERS GRP %23.43%7.40640,129 646,845 46.77 51.03 % %4 626 CHUBB LTD GRP %30.26%6.83590,847 571,208 38.29 43.81 % %5 91 HARTFORD FIRE & CAS GRP %35.11%4.85419,446 425,976 44.16 49.23 % %6 8 ALLSTATE INS GRP %39.90%4.79414,124 421,424 48.43 51.97 % %7 155 PROGRESSIVE GRP %43.78%3.88335,357 320,828 60.23 62.86 % %8 140 NATIONWIDE CORP GRP %47.26%3.48300,817 305,832 57.64 60.89 % %9 176 STATE FARM GRP %50.71%3.45298,169 285,617 60.10 62.76 % %

10 12 AMERICAN INTL GRP %53.49%2.78240,647 248,097 79.08 85.70 % %**STATE TOTAL** %53.49%100.008,646,303 8,524,455 52.72 57.39 % %

1 176 STATE FARM GRP %10.93%10.93290,856 285,273Delaware 61.50 63.95 % %2 34215 NUCLEAR ELECTRIC INS LTD %18.62%7.69204,774 233,653 34.16 34.16 % %3 140 NATIONWIDE CORP GRP %25.99%7.38196,426 198,896 53.03 54.58 % %4 31 BERKSHIRE HATHAWAY GRP %32.85%6.86182,514 175,758 83.82 90.85 % %5 111 LIBERTY MUT GRP %39.15%6.30167,842 164,664 56.71 60.45 % %6 626 CHUBB LTD GRP %44.75%5.60149,045 146,779 44.92 49.11 % %7 12 AMERICAN INTL GRP %49.06%4.31114,627 76,559 21.96 23.99 % %8 84 AMERICAN FINANCIAL GRP %52.44%3.3890,073 86,427 84.69 101.90 % %9 200 UNITED SERV AUTOMOBILE ASSN GRP %55.77%3.3388,544 85,452 73.32 76.13 % %


1 3548 TRAVELERS GRP %9.31%9.31173,234 160,712District Of Columbia

43.44 46.41 % %

2 626 CHUBB LTD GRP %17.47%8.16151,846 155,286 43.10 46.07 % %3 31 BERKSHIRE HATHAWAY GRP %25.07%7.60141,395 138,456 66.92 68.49 % %4 111 LIBERTY MUT GRP %32.04%6.96129,524 127,278 39.30 44.72 % %5 176 STATE FARM GRP %38.41%6.38118,648 117,735 72.68 74.96 % %6 91 HARTFORD FIRE & CAS GRP %42.67%4.2679,236 81,901 68.59 81.54 % %7 12 AMERICAN INTL GRP %46.40%3.7269,293 73,019 59.68 62.09 % %8 4904 INTACT FINANCIAL GRP %49.97%3.5766,419 66,505 19.50 21.17 % %9 212 ZURICH INS GRP %53.30%3.3462,102 65,689 74.20 87.53 % %

10 218 CNA INS GRP %56.46%3.1658,802 57,349 58.77 70.68 % %**STATE TOTAL** %56.46%100.001,860,454 1,841,248 56.28 61.29 % %

1 31 BERKSHIRE HATHAWAY GRP %10.61%10.615,344,256 5,094,547Florida 77.12 81.19 % %2 155 PROGRESSIVE GRP %18.51%7.913,985,101 3,805,325 66.90 69.62 % %3 176 STATE FARM GRP %26.14%7.623,841,203 3,737,549 75.60 80.91 % %4 8 ALLSTATE INS GRP %30.48%4.352,189,987 2,182,573 59.59 63.13 % %5 19 ASSURANT INC GRP %34.79%4.312,170,815 2,153,563 74.30 74.33 % %6 200 UNITED SERV AUTOMOBILE ASSN GRP %38.41%3.621,825,822 1,779,659 75.92 79.73 % %7 111 LIBERTY MUT GRP %41.40%2.991,506,522 1,479,775 81.70 89.19 % %8 626 CHUBB LTD GRP %44.00%2.601,309,970 1,309,032 110.35 114.04 % %9 12 AMERICAN INTL GRP %46.46%2.461,239,565 1,265,384 124.02 132.25 % %

10 3548 TRAVELERS GRP %48.71%2.241,129,724 1,101,877 57.66 62.71 % %**STATE TOTAL** %48.71%100.0050,389,877 49,003,715 80.11 85.59 % %




Group/Company


Premiums

STATE


WrittenPremiums

Direct Direct

EarnedRatioLoss


(000)(000)1 176 STATE FARM GRP %15.01%15.012,995,500 2,931,886Georgia 70.84 73.30 % %2 31 BERKSHIRE HATHAWAY GRP %21.62%6.611,317,970 1,242,528 77.40 80.64 % %3 8 ALLSTATE INS GRP %28.10%6.481,292,812 1,286,140 54.52 56.61 % %4 155 PROGRESSIVE GRP %34.02%5.921,181,662 1,114,557 62.80 64.87 % %5 200 UNITED SERV AUTOMOBILE ASSN GRP %39.50%5.481,092,382 1,049,952 90.81 92.39 % %6 3548 TRAVELERS GRP %44.18%4.68934,287 901,462 58.72 61.64 % %7 111 LIBERTY MUT GRP %48.75%4.57911,103 894,362 63.20 66.52 % %8 280 AUTO OWNERS GRP %51.79%3.04607,209 560,712 62.23 67.24 % %9 140 NATIONWIDE CORP GRP %54.80%3.00599,505 599,096 76.65 79.38 % %

10 626 CHUBB LTD GRP %57.25%2.46490,008 485,916 62.03 68.44 % %**STATE TOTAL** %57.25%100.0019,951,115 19,346,900 67.79 71.72 % %

1 176 STATE FARM GRP %11.47%11.47286,440 281,607Hawaii 43.40 44.33 % %2 3098 TOKIO MARINE HOLDINGS INC GRP %22.21%10.73268,047 268,917 76.60 79.56 % %3 31 BERKSHIRE HATHAWAY GRP %30.72%8.52212,729 208,436 73.15 74.47 % %4 200 UNITED SERV AUTOMOBILE ASSN GRP %35.88%5.15128,716 128,227 52.71 53.97 % %5 106 ISLAND INS CO GRP %40.81%4.93123,222 122,149 43.14 48.14 % %6 111 LIBERTY MUT GRP %44.76%3.9598,608 98,892 57.71 63.44 % %7 8 ALLSTATE INS GRP %48.69%3.9398,152 96,677 53.12 54.42 % %8 12 AMERICAN INTL GRP %52.07%3.3884,326 84,398 137.41 143.99 % %9 4715 MS & AD INS GRP %55.03%2.9673,896 74,005 54.08 58.32 % %


1 111 LIBERTY MUT GRP %9.11%9.11252,826 240,464Idaho 62.33 65.71 % %2 36129 IDAHO STATE INS FUND %18.06%8.96248,731 249,411 64.51 69.75 % %3 176 STATE FARM GRP %25.97%7.91219,666 215,226 68.99 69.95 % %4 842 FARM BUREAU GRP %33.43%7.45206,922 201,904 82.47 84.79 % %5 69 FARMERS INS GRP %38.79%5.36148,918 147,671 54.15 55.10 % %6 31 BERKSHIRE HATHAWAY GRP %43.18%4.39121,793 116,661 66.25 69.04 % %7 8 ALLSTATE INS GRP %47.34%4.16115,569 114,640 53.97 55.88 % %8 155 PROGRESSIVE GRP %51.23%3.89108,108 102,855 58.09 59.05 % %9 3548 TRAVELERS GRP %54.54%3.3091,705 88,269 63.60 68.10 % %

10 200 UNITED SERV AUTOMOBILE ASSN GRP %57.49%2.9682,104 77,476 77.95 78.94 % %**STATE TOTAL** %57.49%100.002,776,621 2,704,188 67.33 71.24 % %

1 176 STATE FARM GRP %15.58%15.583,880,829 3,842,795Illinois 76.50 78.74 % %2 8 ALLSTATE INS GRP %21.51%5.931,476,826 1,444,622 56.24 58.77 % %3 50 COUNTRY INS & FIN SERV GRP %26.42%4.911,223,287 1,218,895 62.51 63.76 % %4 3548 TRAVELERS GRP %30.56%4.141,031,480 1,022,209 48.13 53.11 % %5 111 LIBERTY MUT GRP %34.47%3.90971,864 970,325 57.08 61.19 % %6 626 CHUBB LTD GRP %37.60%3.13780,406 795,316 32.76 39.33 % %7 31 BERKSHIRE HATHAWAY GRP %40.72%3.12776,008 747,387 64.81 69.61 % %8 218 CNA INS GRP %43.57%2.86711,454 666,947 60.11 64.41 % %9 69 FARMERS INS GRP %46.28%2.70673,592 676,598 65.36 67.22 % %

10 40827 VIRGINIA SURETY CO INC %48.84%2.57639,694 490,724 59.91 60.28 % %**STATE TOTAL** %48.84%100.0024,906,246 24,569,258 57.68 61.93 % %

1 176 STATE FARM GRP %13.55%13.551,512,058 1,504,474Indiana 60.24 62.01 % %2 111 LIBERTY MUT GRP %19.33%5.78644,945 624,500 57.16 63.34 % %3 542 INDIANA FARM BUREAU GRP %24.97%5.64629,557 617,021 58.67 59.70 % %4 155 PROGRESSIVE GRP %29.43%4.46497,895 476,352 57.99 59.45 % %5 8 ALLSTATE INS GRP %33.54%4.10458,056 451,142 48.29 50.56 % %6 3548 TRAVELERS GRP %37.18%3.64406,003 397,189 61.22 65.03 % %7 31 BERKSHIRE HATHAWAY GRP %40.35%3.18354,685 335,225 54.70 55.37 % %8 280 AUTO OWNERS GRP %43.46%3.10346,030 333,054 46.68 49.87 % %9 213 ERIE INS GRP %46.46%3.00334,993 328,336 61.71 64.12 % %

10 473 AMERICAN FAMILY INS GRP %49.27%2.81313,847 305,625 58.20 61.17 % %**STATE TOTAL** %49.27%100.0011,159,008 11,012,596 56.23 59.76 % %




Group/Company


Premiums

STATE


WrittenPremiums

Direct Direct

EarnedRatioLoss


(000)(000)1 176 STATE FARM GRP %10.63%10.63694,602 685,912Iowa 72.99 73.88 % %2 140 NATIONWIDE CORP GRP %18.17%7.54492,703 502,484 66.34 67.78 % %3 513 IOWA FARM BUREAU GRP %24.17%6.00392,127 387,248 71.73 72.35 % %4 155 PROGRESSIVE GRP %29.09%4.92321,781 310,451 63.31 64.02 % %5 626 CHUBB LTD GRP %33.58%4.49293,338 287,212 25.58 30.85 % %6 473 AMERICAN FAMILY INS GRP %36.74%3.16206,436 201,622 75.01 76.33 % %7 62 EMC INS CO GRP %39.88%3.15205,714 206,152 65.13 75.17 % %8 3548 TRAVELERS GRP %43.01%3.13204,424 200,541 56.37 59.58 % %9 212 ZURICH INS GRP %46.00%2.99195,442 189,056 21.38 22.31 % %

10 569 FARMERS MUT HAIL INS GRP %48.46%2.46160,523 160,307 35.51 35.67 % %**STATE TOTAL** %48.46%100.006,535,908 6,462,969 57.15 59.95 % %

1 176 STATE FARM GRP %10.97%10.97704,936 691,871Kansas 60.34 61.42 % %2 473 AMERICAN FAMILY INS GRP %17.86%6.89442,795 434,368 58.91 59.78 % %3 513 IOWA FARM BUREAU GRP %24.51%6.66427,968 426,131 55.59 56.14 % %4 3548 TRAVELERS GRP %29.38%4.86312,441 307,689 52.50 56.13 % %5 140 NATIONWIDE CORP GRP %34.11%4.73304,163 304,953 66.23 67.75 % %6 31 BERKSHIRE HATHAWAY GRP %38.68%4.57293,635 262,327 55.42 57.11 % %7 69 FARMERS INS GRP %42.40%3.73239,545 241,283 44.77 45.09 % %8 155 PROGRESSIVE GRP %45.97%3.57229,412 220,513 60.91 62.41 % %9 111 LIBERTY MUT GRP %49.49%3.52225,986 228,379 56.41 59.57 % %


1 176 STATE FARM GRP %14.29%14.291,064,479 1,054,578Kentucky 61.00 61.98 % %2 109 KENTUCKY FARM BUREAU GRP %28.32%14.031,045,013 1,025,581 68.35 69.46 % %3 111 LIBERTY MUT GRP %35.81%7.49558,273 555,228 52.88 56.75 % %4 8 ALLSTATE INS GRP %39.59%3.78281,311 286,250 44.94 47.31 % %5 31 BERKSHIRE HATHAWAY GRP %43.35%3.76280,316 274,334 64.67 67.48 % %6 155 PROGRESSIVE GRP %47.07%3.72277,472 258,413 57.46 58.77 % %7 3548 TRAVELERS GRP %50.45%3.37251,400 244,787 49.60 53.48 % %8 200 UNITED SERV AUTOMOBILE ASSN GRP %53.38%2.94218,848 212,171 74.09 76.36 % %9 140 NATIONWIDE CORP GRP %55.83%2.45182,267 184,199 57.20 59.74 % %

10 244 CINCINNATI FIN GRP %58.15%2.32172,538 170,808 64.93 69.66 % %**STATE TOTAL** %58.15%100.007,449,959 7,324,173 59.54 62.86 % %

1 176 STATE FARM GRP %19.03%19.032,183,941 2,162,258Louisiana 63.21 65.93 % %2 8 ALLSTATE INS GRP %25.90%6.87789,005 783,354 43.44 46.05 % %3 155 PROGRESSIVE GRP %32.53%6.63761,279 746,525 58.71 60.91 % %4 111 LIBERTY MUT GRP %37.89%5.36615,483 612,923 60.86 65.61 % %5 31 BERKSHIRE HATHAWAY GRP %42.44%4.55522,232 499,612 72.22 76.60 % %6 200 UNITED SERV AUTOMOBILE ASSN GRP %45.84%3.39389,601 374,916 61.23 64.35 % %7 3548 TRAVELERS GRP %48.39%2.56293,315 296,838 48.33 55.96 % %8 2538 AMTRUST NGH GRP %50.78%2.39274,236 266,403 61.45 67.25 % %9 483 SOUTHERN FARM BUREAU CAS GRP %53.04%2.26258,956 250,259 69.10 74.12 % %


1 111 LIBERTY MUT GRP %9.09%9.09206,947 209,642Maine 57.05 58.78 % %2 176 STATE FARM GRP %16.34%7.25165,153 162,569 60.34 61.04 % %3 1332 MAINE EMPLOYERS MUT INS GRP %23.22%6.88156,617 154,068 66.59 71.23 % %4 155 PROGRESSIVE GRP %28.57%5.35121,924 118,311 64.68 65.74 % %5 88 THE HANOVER INS GRP %33.82%5.24119,385 118,691 48.19 49.88 % %6 98 WR BERKLEY CORP GRP %38.20%4.3999,868 98,341 38.09 40.03 % %7 3548 TRAVELERS GRP %42.48%4.2897,383 98,279 26.33 27.59 % %8 31 BERKSHIRE HATHAWAY GRP %46.64%4.1694,722 92,285 60.40 62.13 % %9 8 ALLSTATE INS GRP %50.57%3.9389,465 89,304 46.26 47.45 % %

10 15997 MMG INS CO %54.01%3.4478,424 76,635 54.54 56.67 % %**STATE TOTAL** %54.01%100.002,277,007 2,242,312 50.36 52.24 % %




Group/Company


Premiums

STATE


WrittenPremiums

Direct Direct

EarnedRatioLoss


(000)(000)1 176 STATE FARM GRP %11.62%11.621,356,025 1,326,366Maryland 70.19 71.72 % %2 31 BERKSHIRE HATHAWAY GRP %22.99%11.371,326,484 1,284,613 71.26 72.64 % %3 8 ALLSTATE INS GRP %30.17%7.18838,260 835,066 56.97 59.00 % %4 213 ERIE INS GRP %37.09%6.92806,955 779,433 62.88 65.05 % %5 140 NATIONWIDE CORP GRP %42.99%5.90688,934 688,676 60.18 61.93 % %6 200 UNITED SERV AUTOMOBILE ASSN GRP %48.57%5.58651,418 629,320 73.69 75.17 % %7 3548 TRAVELERS GRP %53.29%4.71550,100 540,278 47.81 51.73 % %8 111 LIBERTY MUT GRP %57.96%4.68545,755 554,046 59.70 62.64 % %9 626 CHUBB LTD GRP %61.64%3.68429,213 416,761 59.92 59.00 % %


1 411 MAPFRE INS GRP %11.77%11.771,757,482 1,716,008Massachusetts 58.67 59.66 % %2 111 LIBERTY MUT GRP %20.69%8.911,330,604 1,328,846 51.61 54.15 % %3 188 SAFETY GRP %26.04%5.36799,427 791,793 55.08 56.25 % %4 3548 TRAVELERS GRP %31.37%5.32794,185 799,326 49.67 54.71 % %5 586 ARBELLA INS GRP %36.46%5.09759,956 774,962 48.94 51.94 % %6 31 BERKSHIRE HATHAWAY GRP %41.54%5.09759,351 715,460 64.08 66.71 % %7 626 CHUBB LTD GRP %46.21%4.67696,544 683,373 33.62 41.67 % %8 415 PLYMOUTH ROCK INS GRP %49.29%3.08459,939 426,715 60.03 61.32 % %9 12 AMERICAN INTL GRP %52.12%2.83422,653 426,879 40.45 43.72 % %

10 88 THE HANOVER INS GRP %54.94%2.81419,862 403,331 55.72 58.82 % %**STATE TOTAL** %54.94%100.0014,926,199 14,652,902 47.44 51.24 % %

1 176 STATE FARM GRP %11.65%11.652,233,716 2,216,522Michigan 53.74 57.73 % %2 55 AUTOMOBILE CLUB MI GRP %21.50%9.851,888,684 1,858,516 95.95 99.38 % %3 280 AUTO OWNERS GRP %30.37%8.871,701,079 1,648,667 67.92 72.08 % %4 155 PROGRESSIVE GRP %37.37%7.001,341,174 1,260,379 68.03 71.66 % %5 8 ALLSTATE INS GRP %42.67%5.301,017,016 1,033,143 91.69 90.96 % %6 88 THE HANOVER INS GRP %47.45%4.78916,380 886,900 58.55 61.33 % %7 111 LIBERTY MUT GRP %51.58%4.13791,639 801,940 64.02 68.74 % %8 67 MICHIGAN FARM BUREAU GRP %55.69%4.11787,137 776,064 60.88 65.03 % %9 200 UNITED SERV AUTOMOBILE ASSN GRP %57.63%1.94371,667 362,849 80.04 86.30 % %

10 1309 FRANKENMUTH GRP %59.53%1.90364,435 361,050 52.59 55.16 % %**STATE TOTAL** %59.53%100.0019,173,012 18,863,109 65.02 68.69 % %

1 176 STATE FARM GRP %13.82%13.821,601,156 1,580,607Minnesota 77.57 78.50 % %2 473 AMERICAN FAMILY INS GRP %20.96%7.14827,763 816,820 76.92 79.00 % %3 155 PROGRESSIVE GRP %26.70%5.74664,627 640,445 64.15 65.63 % %4 3548 TRAVELERS GRP %31.02%4.32500,266 492,485 66.88 70.89 % %5 69 FARMERS INS GRP %34.88%3.86446,895 447,228 59.32 60.64 % %6 280 AUTO OWNERS GRP %38.48%3.61417,835 406,771 59.78 62.48 % %7 212 ZURICH INS GRP %41.94%3.46400,797 397,005 22.67 25.01 % %8 111 LIBERTY MUT GRP %45.34%3.40393,936 395,835 68.19 71.62 % %9 626 CHUBB LTD GRP %48.28%2.93339,830 342,377 48.94 62.75 % %

10 8 ALLSTATE INS GRP %51.13%2.85330,448 327,926 73.07 75.31 % %**STATE TOTAL** %51.13%100.0011,585,751 11,379,804 61.39 64.37 % %

1 176 STATE FARM GRP %15.48%15.48801,695 796,797Mississippi 56.06 56.75 % %2 483 SOUTHERN FARM BUREAU CAS GRP %23.95%8.47438,353 435,456 58.96 59.84 % %3 111 LIBERTY MUT GRP %30.35%6.40331,629 318,518 58.33 61.70 % %4 140 NATIONWIDE CORP GRP %35.54%5.19268,902 267,396 56.27 58.29 % %5 8 ALLSTATE INS GRP %40.53%4.98258,000 260,086 44.51 46.52 % %6 155 PROGRESSIVE GRP %45.32%4.80248,422 232,592 63.92 65.42 % %7 3548 TRAVELERS GRP %49.54%4.21218,224 213,569 55.84 59.74 % %8 31 BERKSHIRE HATHAWAY GRP %52.78%3.24167,704 163,190 66.26 70.48 % %9 200 UNITED SERV AUTOMOBILE ASSN GRP %55.67%2.89149,644 144,538 67.82 69.10 % %

10 5 ALFA INS GRP %57.82%2.15111,416 109,269 63.55 64.44 % %**STATE TOTAL** %57.82%100.005,178,299 5,111,354 56.00 58.67 % %




Group/Company


Premiums

STATE


WrittenPremiums

Direct Direct

EarnedRatioLoss


(000)(000)1 176 STATE FARM GRP %14.10%14.101,633,038 1,608,180Missouri 68.68 69.52 % %2 473 AMERICAN FAMILY INS GRP %22.48%8.37969,746 953,560 67.37 68.91 % %3 111 LIBERTY MUT GRP %28.40%5.92686,111 675,041 54.71 57.62 % %4 3548 TRAVELERS GRP %32.70%4.30498,053 491,394 56.83 63.62 % %5 626 CHUBB LTD GRP %36.59%3.89449,894 458,622 54.55 56.89 % %6 155 PROGRESSIVE GRP %40.45%3.86446,763 418,459 58.87 59.96 % %7 69 FARMERS INS GRP %44.27%3.82442,702 440,470 62.40 63.53 % %8 123 SHELTER INS GRP %47.80%3.54409,450 403,958 68.87 70.09 % %9 140 NATIONWIDE CORP GRP %51.23%3.42396,402 402,778 73.60 75.90 % %

10 31 BERKSHIRE HATHAWAY GRP %54.30%3.07355,333 332,972 72.73 76.69 % %**STATE TOTAL** %54.30%100.0011,580,058 11,355,073 64.31 67.62 % %

1 176 STATE FARM GRP %11.59%11.59278,400 273,132Montana 55.15 57.24 % %2 111 LIBERTY MUT GRP %22.33%10.74257,970 249,685 45.47 48.89 % %3 15819 MONTANA STATE FUND %29.50%7.17172,299 173,534 65.42 67.79 % %4 69 FARMERS INS GRP %35.07%5.58133,958 131,818 39.36 40.71 % %5 3548 TRAVELERS GRP %39.88%4.80115,374 109,968 36.76 38.14 % %6 155 PROGRESSIVE GRP %44.51%4.63111,261 106,915 58.13 59.73 % %7 626 CHUBB LTD GRP %48.52%4.0196,383 99,412 143.01 148.45 % %8 4683 MOUNTAIN WEST FARM GRP %52.37%3.8692,622 91,786 58.07 59.75 % %9 796 QBE INS GRP %55.94%3.5785,699 83,635 106.12 108.24 % %

10 200 UNITED SERV AUTOMOBILE ASSN GRP %59.04%3.1074,469 71,265 63.64 64.77 % %**STATE TOTAL** %59.04%100.002,402,425 2,364,229 59.64 63.00 % %

1 176 STATE FARM GRP %11.74%11.74568,422 557,550Nebraska 91.04 91.73 % %2 13889 FARMERS MUT INS CO OF NE %18.12%6.37308,603 303,092 60.23 60.61 % %3 140 NATIONWIDE CORP GRP %23.56%5.44263,454 265,935 72.30 75.02 % %4 513 IOWA FARM BUREAU GRP %28.90%5.34258,752 256,138 69.08 69.68 % %5 626 CHUBB LTD GRP %33.33%4.42214,179 218,512 52.70 54.24 % %6 473 AMERICAN FAMILY INS GRP %37.18%3.85186,389 181,334 82.77 84.00 % %7 212 ZURICH INS GRP %41.01%3.83185,338 186,314 56.41 58.22 % %8 3548 TRAVELERS GRP %44.73%3.73180,487 177,431 76.85 79.70 % %9 155 PROGRESSIVE GRP %48.43%3.70179,080 170,533 65.52 66.21 % %

10 111 LIBERTY MUT GRP %51.43%3.00145,266 142,602 86.62 88.43 % %**STATE TOTAL** %51.43%100.004,841,042 4,784,043 69.89 71.88 % %

1 176 STATE FARM GRP %11.75%11.75604,692 589,152Nevada 74.93 79.48 % %2 31 BERKSHIRE HATHAWAY GRP %19.31%7.56388,986 367,476 74.69 80.45 % %3 69 FARMERS INS GRP %26.36%7.05362,659 361,668 56.71 59.06 % %4 111 LIBERTY MUT GRP %32.32%5.96306,726 298,452 69.56 78.00 % %5 8 ALLSTATE INS GRP %38.03%5.71293,639 289,338 55.75 60.10 % %6 155 PROGRESSIVE GRP %43.23%5.20267,534 254,795 63.70 65.11 % %7 3548 TRAVELERS GRP %47.50%4.28220,037 212,846 77.28 81.65 % %8 200 UNITED SERV AUTOMOBILE ASSN GRP %51.20%3.70190,360 183,156 72.03 74.14 % %9 1278 CSAA INS GRP %54.27%3.06157,674 151,125 63.92 65.67 % %


1 111 LIBERTY MUT GRP %11.37%11.37277,616 282,979New Hampshire 47.33 49.01 % %2 176 STATE FARM GRP %17.88%6.51158,877 156,086 46.52 47.46 % %3 31 BERKSHIRE HATHAWAY GRP %24.24%6.36155,217 156,864 76.25 83.09 % %4 8 ALLSTATE INS GRP %29.41%5.17126,158 124,430 49.16 51.04 % %5 155 PROGRESSIVE GRP %34.21%4.79116,986 115,418 61.39 62.38 % %6 98 WR BERKLEY CORP GRP %38.97%4.76116,244 114,777 45.06 48.29 % %7 3548 TRAVELERS GRP %43.16%4.19102,235 103,411 40.78 44.42 % %8 88 THE HANOVER INS GRP %46.46%3.3080,541 79,472 41.84 43.84 % %9 200 UNITED SERV AUTOMOBILE ASSN GRP %49.54%3.0875,291 73,303 62.05 63.57 % %





Group/Company


Premiums

STATE


WrittenPremiums

Direct Direct

EarnedRatioLoss


(000)(000)1 31 BERKSHIRE HATHAWAY GRP %9.78%9.782,076,303 2,026,691New Jersey 62.61 67.74 % %2 708 NEW JERSEY MANUFACTURERS GRP %18.41%8.621,830,346 1,786,675 58.61 64.98 % %3 111 LIBERTY MUT GRP %25.23%6.821,447,238 1,428,407 56.45 63.51 % %4 8 ALLSTATE INS GRP %30.71%5.481,163,999 1,174,504 51.19 55.20 % %5 3548 TRAVELERS GRP %35.81%5.091,080,826 1,064,933 49.86 55.86 % %6 176 STATE FARM GRP %40.62%4.811,020,794 1,016,020 58.72 62.75 % %7 155 PROGRESSIVE GRP %45.35%4.741,004,958 972,670 59.30 62.83 % %8 626 CHUBB LTD GRP %49.27%3.92831,859 840,901 34.85 45.43 % %9 1227 PALISADES GRP %52.79%3.52747,709 739,246 55.72 58.45 % %


1 176 STATE FARM GRP %12.41%12.41408,988 402,363New Mexico 67.41 68.75 % %2 69 FARMERS INS GRP %21.31%8.90293,149 294,286 64.03 65.60 % %3 31 BERKSHIRE HATHAWAY GRP %28.46%7.15235,594 224,794 82.89 86.25 % %4 111 LIBERTY MUT GRP %35.35%6.89227,175 221,288 61.10 68.96 % %5 200 UNITED SERV AUTOMOBILE ASSN GRP %41.17%5.82191,663 184,911 79.07 80.78 % %6 155 PROGRESSIVE GRP %46.89%5.72188,489 175,409 61.43 63.17 % %7 8 ALLSTATE INS GRP %51.59%4.70154,959 155,457 54.65 56.41 % %8 3548 TRAVELERS GRP %55.84%4.25140,054 137,073 57.68 62.82 % %9 91 HARTFORD FIRE & CAS GRP %58.95%3.10102,290 104,458 67.30 66.43 % %

10 1112 NEW MEXICO MUT GRP %61.99%3.05100,398 101,180 43.33 45.86 % %**STATE TOTAL** %61.99%100.003,295,184 3,229,791 64.55 69.20 % %

1 31 BERKSHIRE HATHAWAY GRP %11.14%11.145,159,585 5,028,735New York 77.91 83.65 % %2 8 ALLSTATE INS GRP %17.12%5.982,770,599 2,770,569 50.15 53.65 % %3 3548 TRAVELERS GRP %22.94%5.822,695,678 2,659,171 51.06 57.50 % %4 176 STATE FARM GRP %28.75%5.812,691,223 2,666,618 63.30 68.54 % %5 626 CHUBB LTD GRP %34.44%5.692,635,312 2,624,268 43.83 48.84 % %6 36102 STATE INS FUND %39.35%4.922,277,778 2,295,572 57.35 58.31 % %7 111 LIBERTY MUT GRP %44.12%4.762,205,965 2,218,444 56.30 64.22 % %8 2538 AMTRUST NGH GRP %47.49%3.381,565,439 1,544,190 58.51 65.87 % %9 12 AMERICAN INTL GRP %50.86%3.361,557,761 1,644,198 52.73 56.45 % %

10 155 PROGRESSIVE GRP %54.08%3.221,493,884 1,431,511 62.71 66.25 % %**STATE TOTAL** %54.08%100.0046,324,258 45,721,991 56.80 63.65 % %

1 176 STATE FARM GRP %9.53%9.531,494,971 1,461,684North Carolina 61.67 62.46 % %2 140 NATIONWIDE CORP GRP %18.02%8.491,331,384 1,358,905 52.21 53.04 % %3 324 NORTH CAROLINA FARM BUREAU GRP %24.95%6.931,087,071 1,067,546 60.36 60.79 % %4 31 BERKSHIRE HATHAWAY GRP %30.10%5.15807,368 767,084 65.22 67.03 % %5 200 UNITED SERV AUTOMOBILE ASSN GRP %34.76%4.66730,283 712,305 66.46 67.38 % %6 8 ALLSTATE INS GRP %39.34%4.58717,697 717,631 51.87 53.10 % %7 2538 AMTRUST NGH GRP %43.88%4.54712,373 634,938 76.34 78.35 % %8 111 LIBERTY MUT GRP %47.98%4.10643,508 631,450 57.06 59.78 % %9 3548 TRAVELERS GRP %51.74%3.76588,952 582,396 45.24 47.95 % %

10 213 ERIE INS GRP %55.22%3.48546,105 528,376 59.37 61.31 % %**STATE TOTAL** %55.22%100.0015,682,450 15,382,663 55.22 57.66 % %

1 796 QBE INS GRP %10.71%10.71296,331 294,776North Dakota 76.33 76.94 % %2 626 CHUBB LTD GRP %20.11%9.41260,379 253,336 54.45 55.93 % %3 WORKFORCE SAFETY & INSURANCE OF ND %29.05%8.93247,276 265,586 57.86 60.11 % %4 212 ZURICH INS GRP %36.84%7.80215,803 214,455 57.34 55.95 % %5 3500 NODAK MUT GRP %41.86%5.02138,950 137,165 54.95 55.20 % %6 176 STATE FARM GRP %46.21%4.35120,360 119,226 51.91 52.56 % %7 155 PROGRESSIVE GRP %49.37%3.1687,415 83,628 57.15 57.80 % %8 473 AMERICAN FAMILY INS GRP %52.42%3.0584,371 83,529 35.64 35.80 % %9 84 AMERICAN FINANCIAL GRP %55.28%2.8679,160 79,639 79.76 82.31 % %

10 11445 CGB INS CO %58.12%2.8578,773 78,436 70.38 70.38 % %**STATE TOTAL** %58.12%100.002,768,007 2,776,194 53.40 54.33 % %




Group/Company


Premiums

STATE


WrittenPremiums

Direct Direct

EarnedRatioLoss


(000)(000)1 176 STATE FARM GRP %11.54%11.542,085,120 2,058,292Ohio 60.56 62.02 % %2 OHIO BUREAU OF WORKERS' COMPENSATION %20.27%8.731,577,978 1,574,212 53.01 76.19 % %3 8 ALLSTATE INS GRP %26.18%5.911,067,684 1,063,236 49.85 52.46 % %4 155 PROGRESSIVE GRP %31.93%5.751,038,478 994,887 62.41 63.65 % %5 140 NATIONWIDE CORP GRP %37.54%5.611,013,281 1,020,704 57.35 58.80 % %6 111 LIBERTY MUT GRP %42.81%5.27951,515 930,994 57.37 60.86 % %7 244 CINCINNATI FIN GRP %46.82%4.01724,078 716,728 42.10 45.88 % %8 31 BERKSHIRE HATHAWAY GRP %50.22%3.40614,760 591,639 58.07 66.21 % %9 267 GRANGE MUT CAS GRP %53.49%3.27590,337 580,663 51.69 52.88 % %

10 228 WESTFIELD GRP %56.57%3.09558,153 551,644 45.19 47.83 % %**STATE TOTAL** %56.57%100.0018,067,101 17,827,024 50.98 56.03 % %

1 176 STATE FARM GRP %15.54%15.541,234,279 1,215,537Oklahoma 55.92 57.09 % %2 69 FARMERS INS GRP %23.97%8.43669,354 671,189 43.01 44.66 % %3 111 LIBERTY MUT GRP %30.40%6.44511,309 501,477 44.35 46.22 % %4 8 ALLSTATE INS GRP %34.40%3.99317,149 315,679 42.17 43.55 % %5 3548 TRAVELERS GRP %38.38%3.99316,817 315,105 50.58 54.36 % %6 200 UNITED SERV AUTOMOBILE ASSN GRP %42.30%3.92310,979 302,700 62.07 63.24 % %7 155 PROGRESSIVE GRP %46.12%3.82303,378 280,938 52.10 53.53 % %8 31 BERKSHIRE HATHAWAY GRP %49.92%3.80301,736 293,652 60.61 62.76 % %9 220 OKLAHOMA FARM BUREAU GRP %52.96%3.05241,921 240,239 62.30 64.69 % %

10 1278 CSAA INS GRP %55.61%2.65210,587 210,048 44.37 45.09 % %**STATE TOTAL** %55.61%100.007,943,174 7,883,883 51.41 53.81 % %

1 176 STATE FARM GRP %13.11%13.11911,082 893,368Oregon 62.75 64.85 % %2 111 LIBERTY MUT GRP %23.70%10.59736,048 714,801 59.75 63.75 % %3 69 FARMERS INS GRP %31.24%7.54524,040 520,148 51.93 53.76 % %4 36196 SAIF CORP %38.41%7.17498,522 500,012 36.01 39.44 % %5 155 PROGRESSIVE GRP %44.45%6.04419,907 387,838 61.77 63.19 % %6 8 ALLSTATE INS GRP %49.03%4.58318,526 318,571 55.80 58.95 % %7 31 BERKSHIRE HATHAWAY GRP %53.43%4.40305,825 293,883 68.92 73.56 % %8 200 UNITED SERV AUTOMOBILE ASSN GRP %56.78%3.35233,137 222,657 73.19 75.35 % %9 3548 TRAVELERS GRP %59.90%3.11216,499 212,730 55.26 64.87 % %

10 50 COUNTRY INS & FIN SERV GRP %62.45%2.55177,059 171,524 60.41 61.30 % %**STATE TOTAL** %62.45%100.006,950,982 6,817,934 59.91 63.97 % %

1 176 STATE FARM GRP %10.39%10.392,526,504 2,487,634Pennsylvania 58.85 61.63 % %2 213 ERIE INS GRP %19.90%9.512,311,098 2,275,268 54.74 57.45 % %3 8 ALLSTATE INS GRP %26.24%6.341,541,282 1,539,106 50.01 52.69 % %4 140 NATIONWIDE CORP GRP %32.23%6.001,457,767 1,470,535 55.13 57.17 % %5 111 LIBERTY MUT GRP %37.57%5.341,297,179 1,310,532 53.50 57.47 % %6 3548 TRAVELERS GRP %42.74%5.171,257,462 1,207,170 51.77 57.07 % %7 31 BERKSHIRE HATHAWAY GRP %46.95%4.211,023,012 982,427 67.99 71.17 % %8 155 PROGRESSIVE GRP %51.09%4.151,008,960 968,087 58.95 61.36 % %9 626 CHUBB LTD GRP %54.16%3.07745,799 764,997 50.84 65.53 % %


1 155 PROGRESSIVE GRP %8.70%8.70208,474 201,952Rhode Island 64.57 66.36 % %2 28 AMICA MUT GRP %16.07%7.37176,721 169,717 51.65 52.88 % %3 8 ALLSTATE INS GRP %23.13%7.06169,284 169,058 52.15 54.90 % %4 111 LIBERTY MUT GRP %29.39%6.26150,069 151,293 55.25 58.94 % %5 31 BERKSHIRE HATHAWAY GRP %34.98%5.59133,888 127,792 74.08 76.66 % %6 3490 BEACON MUT GRP %40.14%5.16123,705 126,960 62.92 67.51 % %7 140 NATIONWIDE CORP GRP %44.99%4.85116,254 117,405 59.60 61.24 % %8 200 UNITED SERV AUTOMOBILE ASSN GRP %48.89%3.9093,518 90,283 65.50 67.16 % %9 3548 TRAVELERS GRP %52.77%3.8892,987 90,542 32.41 36.59 % %

10 241 METROPOLITAN GRP %56.29%3.5284,418 86,094 50.41 50.50 % %**STATE TOTAL** %56.29%100.002,396,932 2,349,873 51.70 55.29 % %




Group/Company


Premiums

STATE


WrittenPremiums

Direct Direct

EarnedRatioLoss


(000)(000)1 176 STATE FARM GRP %14.54%14.541,399,336 1,380,425South Carolina 64.57 65.68 % %2 8 ALLSTATE INS GRP %21.64%7.10683,922 683,501 53.82 55.45 % %3 31 BERKSHIRE HATHAWAY GRP %28.73%7.09682,778 650,204 70.22 73.95 % %4 200 UNITED SERV AUTOMOBILE ASSN GRP %34.45%5.72550,549 522,420 80.25 81.97 % %5 111 LIBERTY MUT GRP %39.83%5.38517,569 502,010 58.81 62.08 % %6 140 NATIONWIDE CORP GRP %45.07%5.24503,931 514,955 56.84 60.57 % %7 3548 TRAVELERS GRP %49.97%4.90471,779 457,219 57.06 59.63 % %8 155 PROGRESSIVE GRP %54.64%4.67449,366 417,210 58.96 60.35 % %9 280 AUTO OWNERS GRP %57.04%2.40231,437 221,689 50.97 56.57 % %


1 626 CHUBB LTD GRP %8.74%8.74211,640 217,079South Dakota 73.08 74.05 % %2 176 STATE FARM GRP %16.77%8.03194,247 191,172 64.17 64.89 % %3 212 ZURICH INS GRP %23.02%6.25151,270 152,116 40.08 41.20 % %4 473 AMERICAN FAMILY INS GRP %27.23%4.21101,922 100,255 60.51 63.94 % %5 796 QBE INS GRP %31.23%4.0096,813 96,917 29.83 30.43 % %6 140 NATIONWIDE CORP GRP %35.16%3.9395,121 95,468 62.53 65.51 % %7 84 AMERICAN FINANCIAL GRP %38.81%3.6588,423 87,846 41.25 41.01 % %8 11445 CGB INS CO %42.43%3.6287,662 87,218 52.88 52.88 % %9 155 PROGRESSIVE GRP %45.95%3.5285,219 82,532 58.38 58.86 % %

10 13889 FARMERS MUT INS CO OF NE %48.85%2.9070,094 68,467 59.75 60.12 % %**STATE TOTAL** %48.85%100.002,420,461 2,411,616 57.93 59.82 % %

1 176 STATE FARM GRP %13.84%13.841,573,075 1,552,503Tennessee 59.22 60.40 % %2 694 TENNESSEE FARMERS GRP %25.03%11.191,271,583 1,247,180 69.28 71.77 % %3 111 LIBERTY MUT GRP %30.54%5.51626,588 603,842 47.68 49.77 % %4 3548 TRAVELERS GRP %34.78%4.24481,954 468,707 45.70 49.03 % %5 31 BERKSHIRE HATHAWAY GRP %38.89%4.11466,922 442,849 66.82 69.08 % %6 8 ALLSTATE INS GRP %42.67%3.78429,296 429,266 44.29 46.10 % %7 155 PROGRESSIVE GRP %46.06%3.39385,811 360,663 60.29 61.60 % %8 140 NATIONWIDE CORP GRP %49.45%3.38384,650 386,047 59.66 61.79 % %9 200 UNITED SERV AUTOMOBILE ASSN GRP %52.78%3.34379,070 369,918 64.61 65.58 % %


1 176 STATE FARM GRP %10.71%10.715,831,636 5,772,553Texas 74.55 76.58 % %2 8 ALLSTATE INS GRP %17.52%6.813,709,721 3,629,858 93.91 96.14 % %3 69 FARMERS INS GRP %23.49%5.973,247,928 3,220,573 106.29 108.95 % %4 31 BERKSHIRE HATHAWAY GRP %29.26%5.773,139,823 2,995,151 82.02 84.52 % %5 111 LIBERTY MUT GRP %34.90%5.653,074,444 2,949,647 96.82 99.88 % %6 155 PROGRESSIVE GRP %40.03%5.132,793,183 2,588,676 82.64 84.39 % %7 200 UNITED SERV AUTOMOBILE ASSN GRP %45.05%5.012,729,997 2,632,515 104.78 106.59 % %8 3548 TRAVELERS GRP %47.86%2.811,532,551 1,512,468 63.81 69.02 % %9 626 CHUBB LTD GRP %50.61%2.751,496,124 1,496,471 117.09 123.71 % %

10 140 NATIONWIDE CORP GRP %53.06%2.451,334,724 1,337,686 77.01 80.80 % %**STATE TOTAL** %53.06%100.0054,444,672 53,165,174 95.43 99.27 % %

1 176 STATE FARM GRP %9.73%9.73456,508 448,185Utah 61.70 63.59 % %2 69 FARMERS INS GRP %16.24%6.50305,108 304,346 49.34 50.49 % %3 8 ALLSTATE INS GRP %22.53%6.30295,273 290,096 57.30 58.90 % %4 111 LIBERTY MUT GRP %27.63%5.10239,267 223,168 55.41 59.15 % %5 1147 WORKERS COMP FUND GRP %32.42%4.78224,403 226,032 54.98 61.71 % %6 31 BERKSHIRE HATHAWAY GRP %36.94%4.52212,108 204,212 72.15 77.36 % %7 155 PROGRESSIVE GRP %41.06%4.12193,247 183,174 63.23 64.10 % %8 3548 TRAVELERS GRP %44.82%3.76176,565 170,120 41.30 43.46 % %9 13471 BEAR RIVER MUT INS CO %48.29%3.47162,757 151,526 74.58 75.56 % %

10 280 AUTO OWNERS GRP %51.61%3.32155,652 143,909 50.21 55.83 % %**STATE TOTAL** %51.61%100.004,690,542 4,517,016 53.76 57.17 % %




Group/Company


Premiums

STATE


WrittenPremiums

Direct Direct

EarnedRatioLoss


(000)(000)1 11409 QUEEN CITY ASSUR INC %12.01%12.01172,414 171,296Vermont 0.00 0.00 % %2 111 LIBERTY MUT GRP %21.20%9.19132,028 132,708 49.10 50.61

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