| Liability for Unpaid Claims and Claim Adjustment Expenses | Liability for Unpaid Claims and Claim Adjustment Expenses The liability for unpaid claims and claim adjustment expenses (“claims”) for health and property and casualty insurance is included in “Policy and contract claims” in the consolidated statements of financial position and is the amount estimated for incurred but not reported (“IBNR”) claims and claims that have been reported but not settled. The liability for unpaid claims is estimated based upon American National’s historical experience and actuarial assumptions that consider the effects of current developments, anticipated trends and risk management programs, less anticipated salvage and subrogation. The effects of the changes are included in the consolidated results of operations in the period in which the changes occur. The time value of money is not taken into account for the purposes of calculating the liability for unpaid claims. There have been no significant changes in methodologies or assumptions used to calculate the liability for unpaid claims and claim adjustment expenses. Information regarding the liability for unpaid claims is shown below (in thousands): Years ended December 31, 2021 2020 2019 Unpaid claims balance, beginning $ 1,354,213 $ 1,322,837 $ 1,305,225 Less: Reinsurance recoverables 243,084 246,447 254,466 Net beginning balance 1,111,129 1,076,390 1,050,759 Incurred related to Current 1,277,798 1,177,634 1,207,796 Prior years (93,357) (61,659) (57,979) Total incurred claims 1,184,441 1,115,975 1,149,817 Paid claims related to Current 735,968 681,960 688,544 Prior years 392,881 399,276 435,642 Total paid claims 1,128,849 1,081,236 1,124,186 Net balance 1,166,721 1,111,129 1,076,390 Plus: Reinsurance recoverables 288,358 243,084 246,447 Unpaid claims balance, ending $ 1,455,079 $ 1,354,213 $ 1,322,837 The net and gross reserve calculations have shown favorable development as a result of favorable loss emergence compared to what was implied by the loss development patterns used in the original estimation of losses in prior years. Estimates for ultimate incurred claims attributable to insured events of prior years decreased by approximately $93.4 million, $61.7 million, $58.0 million in 2021, 2020, and 2019, respectively. The favorable development in 2021 was a reflection of lower-than-anticipated settlement costs of losses arising from commercial automobile, agribusiness, private passenger automobile, guaranteed asset protection waiver, and collateral protection insurance lines of business. The favorable development in 2020 was a reflection of lower rates of claim severity emergence than previously expected in the worker's compensation line of business, and lower liability claim settlement costs emerging from agribusiness and private passenger automobile lines of business. For short-duration health insurance claims, the total of IBNR plus expected development on reported claims included in the liability for unpaid claims and claim adjustment expenses at December 31, 2021 and December 31, 2020 was $18.9 million and $20.5 million respectively. The reconciliation of the net incurred and paid claims development tables to the liability for claims and claim adjustment expenses in the consolidated statement of financial position is as follows (in thousands): December 31, 2021 Net outstanding liabilities Auto Liability $ 458,517 Non-Auto Liability 303,662 Commercial Multi-Peril 150,783 Homeowners 84,625 Short Tail Property 38,998 Credit Property and Casualty 16,004 Credit Life 1,435 Health 23,329 Credit Health 4,557 Other 897 Liabilities for unpaid claims and claim adjustment expenses, net of reinsurance 1,082,807 Reinsurance recoverable on unpaid claims Auto Liability 11,554 Non-Auto Liability 40,650 Commercial Multi-Peril 8,419 Homeowners 13,746 Short Tail Property 12,818 Credit Property and Casualty 11,782 Credit Life 673 Health 193,065 Credit Health 1,657 Other 7,020 Total reinsurance recoverable on unpaid claims 301,384 Insurance lines other than short-duration 244,418 Unallocated claim adjustment expenses 63,686 308,104 Total gross liability for unpaid claims and claim adjustment expense $ 1,692,295 Property and Casualty Reserving Methodology —The following methods are utilized: • Initial Expected Loss Ratio —This method calculates an estimate of ultimate losses by applying an estimated loss ratio to actual earned premium for each calendar/accident year. This method is appropriate for classes of business where the actual paid or reported loss experience is not yet mature enough to influence initial expectations of the ultimate loss ratios. • Pegged Frequency and Severity —This method uses actual claims count data and emergence patterns of older accident periods to project the ultimate number of reported claims for a given accident year. A similar process projects the ultimate average severity per claim so that the product of the two projections results in a projection of ultimate loss for a given accident year. • Bornhuetter-Ferguson —This method uses, as a starting point, either an assumed Initial Expected Loss Ratio Method or Pegged Frequency and Severity method and blends in the loss ratio or frequency and severity implied by the claims experience to date by using loss development patterns based on our historical experience. This method is generally appropriate where there are few reported claims and an unstable pattern of reported losses. • Loss or Expense Development (Chain Ladder) —This method uses actual loss or defense and cost containment expense data and the historical development profiles on older accident periods to project more recent, less developed periods to their ultimate total. This method is appropriate when there is a relatively stable pattern of loss and expense emergence and a relatively large number of reported claims. • Ratio of Paid Defense and Cost Containment Expense to Paid Loss Development —This method uses the ratio of paid defense and cost containment expense to paid loss data and the historical development profiles on older accident periods to project more recent, less developed periods to their ultimate total. In this method, an ultimate ratio of paid defense and cost containment expense to paid loss is selected for each accident period. The selected paid defense and cost containment expense to paid loss ratio is then applied to the selected ultimate loss for each accident period to estimate the ultimate defense and cost containment expense. Paid defense and cost containment expense is then subtracted from the ultimate defense and cost containment expense to calculate the unpaid defense and cost containment expense for that accident period. • Calendar Year Paid Adjusting and Other Expense to Paid Loss —This method uses a selected prior calendar years’ paid expense to paid loss ratio to project ultimate loss adjustment expenses for adjusting and other expense. A percentage of the selected ratio is applied to the case reserves (depending on the line of insurance) and 100% to the indicated IBNR reserves. These ratios assume that a percentage of the expense is incurred when a claim is opened and the remaining percentage is paid throughout the claim’s life. For most credit property and casualty products, IBNR liability is calculated as a percentage of pro rata unearned premium, with the specific percentage for a given product line informed by a traditional completion factor claim reserve analysis. The expected development on reported claims is the sum of a pay-to-current reserve and a future reserve. The pay-to-current reserve is calculated for each open claim having a monthly indemnity and contains the amount required to pay the open claim from the last payment date to the current valuation date. The future reserve is calculated by assigning to each open claim a fixed reserve amount based on the historical average severity. For debt cancellation products and involuntary unemployment insurance, this reserve is calculated using published valuation tables. Cumulative claim frequency information is calculated on a per claim basis. Claims that do not result in a liability are not considered in the determination of unpaid liabilities. For any given line of business, none of these methods are relied on exclusively. With minor exceptions, multiple methods may be used for a line of business as a check for reasonableness of our reselected reserve value. The following contains information about incurred and paid claims development as of December 31, 2021, net of reinsurance, as well as cumulative claim frequency and the total of IBNR liabilities plus expected development on reported claims included within the net incurred claims amounts. The information about incurred and paid claims development for the years ended December 31, 2012 to 2020 is presented as supplementary information. Auto Liability —Consists of personal and commercial auto. Claims and claim adjustment expenses are shown below (in thousands): Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance As of December 31, 2021 Years ended December 31, IBNR Plus Expected Development Cumulative Number of Reported Claims Accident Year 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020* 2021 2012 $ 251,593 $ 242,255 $ 231,312 $ 228,013 $ 229,426 $ 228,559 $ 228,864 $ 228,486 $ 228,236 $ 228,181 $ 58 44,691 2013 242,364 236,432 233,068 231,301 228,285 226,608 227,234 227,102 226,943 134 38,817 2014 232,146 223,386 217,819 215,419 214,870 214,557 214,326 214,253 203 36,011 2015 237,578 240,697 239,421 245,775 244,798 244,621 243,304 374 36,097 2016 259,177 256,080 261,400 259,128 257,633 256,294 1,434 37,114 2017 269,803 280,012 275,850 273,551 270,464 4,607 38,591 2018 314,467 299,512 288,806 282,805 12,541 37,826 2019 330,988 313,636 305,312 26,749 36,267 2020 277,597 254,808 46,637 26,166 2021 299,746 89,756 26,556 Total $ 2,582,110 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Years ended December 31, Accident Year 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020* 2021 2012 $ 82,531 $ 150,323 $ 183,448 $ 204,980 $ 214,467 $ 219,170 $ 222,117 $ 222,865 $ 224,585 $ 224,799 2013 79,358 143,709 181,535 204,480 215,280 219,303 223,739 224,675 226,211 2014 72,838 134,376 166,947 187,375 204,057 209,401 210,994 212,522 2015 78,861 149,366 186,281 211,908 231,530 237,792 239,986 2016 86,492 153,911 198,326 225,869 237,592 247,640 2017 88,357 175,175 218,435 241,823 255,530 2018 95,777 185,317 227,312 248,183 2019 98,545 193,389 231,892 2020 78,699 151,722 2021 85,916 Total $ 2,124,401 All outstanding liabilities before 2012, net of reinsurance* 808 Liabilities for claims and claim adjustment expenses, net of reinsurance $ 458,517 * Unaudited supplementary information. Non-Auto Liability —Consists of workers’ compensation and other liability occurrence. Claims and claim adjustment expenses are shown below (in thousands): Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance As of December 31, 2021 Years ended December 31, IBNR Plus Expected Development Cumulative Number of Reported Claims Accident Year 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020* 2021 2012 $ 83,146 $ 80,470 $ 78,644 $ 75,226 $ 68,017 $ 63,630 $ 64,118 $ 63,336 $ 63,552 $ 63,304 $ 1,623 4,877 2013 74,183 75,815 70,772 67,841 65,096 64,564 63,284 62,926 62,159 1,738 4,556 2014 83,084 75,550 72,624 67,339 67,865 67,267 67,268 66,250 3,168 6,111 2015 83,897 78,968 76,724 67,548 64,189 63,326 63,523 3,593 5,563 2016 86,935 83,179 73,764 73,195 68,178 67,347 4,153 4,501 2017 102,616 88,902 81,240 77,322 76,540 6,397 8,176 2018 88,986 85,910 79,493 75,207 16,115 13,684 2019 96,064 95,340 92,544 26,473 11,875 2020 90,197 83,339 37,431 10,028 2021 102,869 65,428 8,512 Total $ 753,082 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Years ended December 31, Accident Year 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020* 2021 2012 $ 13,862 $ 27,574 $ 38,826 $ 49,585 $ 55,194 $ 57,863 $ 59,528 $ 60,900 $ 61,450 $ 61,858 2013 12,794 22,743 32,474 42,504 47,987 51,672 54,323 55,426 56,916 2014 11,201 26,587 36,220 45,206 51,853 55,307 57,497 58,559 2015 11,979 23,488 37,059 46,285 51,303 53,478 55,434 2016 12,733 24,633 35,502 45,820 50,596 55,205 2017 14,865 37,139 48,654 53,996 59,582 2018 13,156 26,115 37,574 45,316 2019 12,204 30,199 40,729 2020 9,596 23,838 2021 12,389 Total $ 469,826 All outstanding liabilities before 2012, net of reinsurance* 20,406 Liabilities for claims and claim adjustment expenses, net of reinsurance $ 303,662 * Unaudited supplementary information. Commercial Multi-Peril —Consists of business owners insurance and mortgage fire business. Claims and claim adjustment expenses are shown below (in thousands): Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance As of December 31, 2021 Years ended December 31, IBNR Plus Expected Development Cumulative Number of Reported Claims Accident Year 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020* 2021 2012 $ 35,169 $ 28,548 $ 26,805 $ 23,258 $ 23,385 $ 23,090 $ 22,481 $ 22,045 $ 22,033 $ 22,381 $ 151 2,717 2013 33,979 27,592 27,867 26,970 25,948 26,028 24,790 24,681 24,733 231 2,228 2014 36,852 31,220 34,911 33,962 36,132 34,279 34,004 33,836 292 2,311 2015 33,997 31,488 29,023 32,282 31,285 33,059 34,282 821 2,240 2016 38,115 33,475 33,080 31,615 33,628 32,705 875 4,798 2017 42,411 37,079 40,611 43,367 47,660 3,631 6,815 2018 50,784 50,182 51,519 51,035 4,595 5,678 2019 56,062 59,789 58,262 11,129 3,587 2020 68,226 63,281 16,924 4,012 2021 95,708 39,566 4,999 Total $ 463,883 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Years ended December 31, Accident Year 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020* 2021 2012 $ 11,525 $ 14,454 $ 16,263 $ 18,670 $ 20,716 $ 21,026 $ 21,352 $ 21,415 $ 21,453 $ 21,499 2013 9,374 12,723 15,426 18,406 20,816 21,718 23,210 23,348 23,513 2014 12,001 16,484 20,199 24,602 27,339 31,448 32,702 32,934 2015 9,820 12,956 16,402 21,680 25,188 27,201 28,566 2016 11,327 17,193 19,085 22,339 25,686 26,690 2017 12,458 20,828 23,294 26,202 28,420 2018 18,027 30,078 32,490 35,781 2019 22,098 32,295 37,408 2020 25,492 38,415 2021 41,452 Total $ 314,678 All outstanding liabilities before 2012, net of reinsurance* 1,578 Liabilities for claims and claim adjustment expenses, net of reinsurance $ 150,783 * Unaudited supplementary information. Homeowners —Consists of homeowners and renters business. Claims and claim adjustment expenses are shown below (in thousands): Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance As of December 31, 2021 Years ended December 31, IBNR Plus Expected Development Cumulative Number of Reported Claims Accident Year 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020* 2021 2012 $ 181,284 $ 177,664 $ 175,523 $ 175,509 $ 175,178 $ 175,032 $ 174,611 $ 174,276 $ 174,239 $ 174,238 $ — 30,999 2013 152,208 149,080 149,272 148,231 147,927 147,444 147,359 147,234 147,246 — 20,041 2014 132,651 131,634 130,287 131,546 130,895 130,747 130,799 130,713 — 18,183 2015 125,430 124,199 123,619 123,824 123,731 123,357 123,312 2 17,758 2016 147,264 145,373 144,376 145,019 144,828 144,766 17 21,559 2017 164,284 172,274 172,491 169,524 169,430 45 23,589 2018 174,495 179,561 176,317 176,681 61 22,576 2019 177,854 176,005 173,763 1,181 20,260 2020 227,298 228,441 2,876 24,788 2021 240,732 31,342 19,762 Total $ 1,709,322 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Years ended December 31, Accident Year 2012* 2013* 2014* 2015* 2016* 2017* 2018* 2019* 2020* 2021 2012 $ 143,797 $ 169,415 $ 171,842 $ 173,170 $ 173,676 $ 174,139 $ 174,247 $ 174,256 $ 174,239 $ 174,238 2013 115,605 140,309 145,152 146,650 146,920 147,145 147,233 147,232 147,245 2014 96,300 122,601 126,245 129,467 130,059 130,305 130,542 130,577 2015 86,617 114,696 119,331 122,585 122,955 123,065 123,161 2016 105,415 136,796 140,972 144,000 144,596 144,635 2017 116,075 159,107 166,009 167,638 168,241 2018 121,631 165,203 170,850 174,077 2019 122,530 163,400 170,229 2020 166,352 217,224 2021 175,265 Total $ 1,624,892 All outstanding liabilities before 2012, net of reinsurance* 195 Liabilities for claims and claim adjustment expenses, net of reinsurance $ 84,625 * Unaudited supplementary information. Short Tail Property —Consists of auto physical damage, fire, rental owners, standard fire policy, country estates, inland marine and watercraft. This line of business has substantially all claims settled and paid in less than two years. Claims and claim adjustment expenses are shown below (in thousands): Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance As of December 31, 2021 Years ended December 31, IBNR Plus Expected Development Cumulative Number of Reported Claims Accident Year 2020* 2021 2020 $ 237,332 $ 229,857 $ 282 53,008 2021 269,065 (3,599) 53,068 Total $ 498,922 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Years ended December 31, Accident Year 2020* 2021 2020 $ 203,827 $ 227,495 2021 235,425 Total $ 462,920 All outstanding liabilities before 2020, net of reinsurance* 2,996 Liabilities for claims and claim adjustment expenses, net of reinsurance $ 38,998 * Unaudited supplementary information Credit Property and Casualty —Consists of credit property insurance, vendor’s or lender’s single interest insurance, GAP insurance, GAP waiver, debt cancellation products, involuntary unemployment insurance and collateral protection insurance. This line of business has substantially all claims settled and paid in less than two years. Claims and claim adjustment expenses are shown below (in thousands): Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance As of December 31, 2021 Years ended December 31, IBNR Plus Expected Development Cumulative Number of Reported Claims Accident Year 2020* 2021 2020 $ 65,260 $ 65,269 $ — 22,385 2021 51,002 12,188 14,443 Total $ 116,271 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Years ended December 31, Accident Year 2020* 2021 2020 $ 46,417 $ 65,269 2021 34,998 Total $ 100,267 All outstanding liabilities before 2020, net of reinsurance* — Liabilities for claims and claim adjustment expenses, net of reinsurance $ 16,004 * Unaudited supplementary information. Credit Life —For credit life products, IBNR is calculated as a percentage of life insurance in-force. This line of business has substantially all claims settled and paid in less than two years. Claims and claim adjustment expenses are shown below (in thousands): Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance As of December 31, 2021 Years ended December 31, IBNR Plus Expected Development Cumulative Number of Reported Claims Accident Year 2020* 2021 2020 $ 7,265 $ 8,397 $ 35 48 2021 10,291 1,300 50 Total $ 18,688 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Years ended December 31, Accident Year 2020* 2021 2020 $ 6,201 $ 8,359 2021 8,894 Total $ 17,253 All outstanding liabilities before 2020, net of reinsurance* — Liabilities for claims and claim adjustment expenses, net of reinsurance $ 1,435 * Unaudited supplementary information. Health Reserving Methodology —The following methods are utilized: • Completion Factor Approach —This method assumes that the historical claim patterns will be an accurate representation of unpaid claim liabilities. An estimate of the unpaid claims is calculated by subtracting period-to-date paid claims from an estimate of the ultimate “complete” payment for all incurred claims in the period. Completion factors are calculated which “complete” the current period-to-date payment totals for each incurred month to estimate the ultimate expected payout. • Tabular Claims Reserves —This method is used to calculate the reserves for long-term care and disability income blocks of business. These reserves rely on published valuation continuance tables created using industry experience regarding assumptions of continued morbidity and subsequent recovery. Reserves are calculated by applying these continuance tables, along with appropriate company experience adjustments, to the stream of contractual benefit payments. These expected benefit payments are discounted at the required interest rate. • Future Policy Benefits —Reserves are equal to the aggregate of the present value of expected future benefit payments, less the present value of expected future premiums. Morbidity and termination assumptions are based on our experience or published valuation tables when available and appropriate. • Premium Deficiency Reserves —Deficiency reserves are established when the expected future claim payments and expenses for a classification of policies are in excess of the expected premiums for these policies. The determination of a deficiency reserve takes into consideration the likelihood of premium rate increases, the timing of these increases, future net investment income, and the expected benefit utilization patterns. We have established premium deficiency reserves for portions of the major medical business and the long-term care business that are in run-off. The assumptions and methods used to determine the deficiency reserves are reviewed periodically for reasonableness, and the reserve amount is monitored against emerging losses. There is no expected development on reported claims in the health blocks. Claim frequency is determined by totaling the number of unique claim numbers during the period as each unique claim number represents a claim event for an individual claimant. Health —Consists of stop-loss and other supplemental health products. This line of business has substantially all claims settled and paid in less than five years. Claims and claim adjustment expenses are shown below (in thousands): Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance As of December 31, 2021 Years ended December 31, IBNR Plus Expected Development Cumulative Number of Reported Claims Accident Year 2017* 2018* 2019* 2020* 2021 2017 $ 41,544 $ 39,930 $ 35,466 $ 35,447 $ 35,451 $ — 29,216 2018 64,686 63,729 57,676 57,682 — 30,004 2019 48,175 52,508 47,294 1 30,614 2020 38,461 37,871 3,816 24,946 2021 43,153 14,174 20,877 Total $ 221,451 Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Years ended December 31, Accident Year 2017* 2018* 2019* 2020* 2021 2017 $ 25,358 $ 35,392 $ 35,420 $ 35,420 $ 35,420 2018 34,894 57,759 57,616 57,617 2019 33,353 47,270 47,245 2020 23,398 34,118 2021 27,889 Total $ 202,289 All outstanding liabilities before 2017, net of reinsurance* 4,167 Liabilities for claims and claim adjustment expenses, net of reinsurance $ 23,329 * Unaudited supplementary information. Credit Health Reserving Methodology —The following methods are utilized: Tabular Claims Reserves —These reserves rely on published valuation continuance tables. The insured's age at disablement, the duration of the claim and the remaining term of the policy are used to provide a factor which is applied to the remaining exposure to calculate the present value of future benefits for insureds on claim. The claim liability consists of IBNR and Due/Unpaid. The IBNR utilizes an inventory type method based on historical patterns of claim payments incurred but not reported within the last six months of the valuation date. The Due/Unpaid reserves are the amount needed to pay an open claim from the last date of payment to the reserve valuation date. Credit Health —The claim liability consists of credit disability. This line of business has substantially all claims settled and paid in less than five years. Claims and claim adjustment expenses are shown below (in thousands): Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance As of December 31, 2021 Years ended December 31, IBNR Plus Expected Development Cumulative Number of Reported Claims Accident Year 2017* 2018* 2019* 2020* 2021 2017 $ 4,555 $ 4,852 $ 4,773 $ 4,820 $ 4,873 $ 46 3,803 2018 4,631 4,163 4,155 4,303 76 3,572 2019 3,902 3,705 3,631 97 2,999 2020 3,736 3,741 222 2,605 2021 3,415 457 1,533 Total $ 19,963 * Unaudited supplementary information. Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance Years ended December 31, Accident Year 2017* 2018* 2019* 2020* 2021 2017 $ 1,389 $ 3,328 $ 4,058 $ 4,438 $ 4,639 2018 1,473 2,930 3,598 3,918 2019 1,208 2,618 3,138 2020 1,179 2,613 2021 1,098 Total $ 15,406 All outstanding liabilities before 2017, net of reinsurance* — Liabilities for claims and claim adjustment expenses, net of reinsurance $ 4,557 * Unaudited supplementary information. The following table is supplementary information. A 10-year average annual percentage payout of incurred claims is shown below: Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Auto Liability 33.0 % 29.5 % 15.3 % 9.5 % 5.7 % 2.6 % 1.2 % 0.5 % 0.7 % 2.0 % Non-Auto Liability 17.1 % 19.9 % 15.9 % 13.4 % 8.3 % 5.1 % 3.3 % 1.9 % 1.6 % 13.5 % Commercial Multi-Peril 37.1 % 16.2 % 8.1 % 10.5 % 8.7 % 5.2 % 3.8 % 0.5 % 0.5 % 9.4 % Homeowners 73.1 % 21.3 % 3.3 % 1.7 % 0.3 % 0.1 % 0.1 % — % — % 0.1 % Short Tail Property 88.1 % 11.9 % — % — % — % — % — % — % — % — % Credit Property and Casualty 69.9 % 30.1 % — % — % — % — % — % — % — % — % Credit Life 80.1 % 19.9 % — % — % — % — % — % — % — % — % |
