Old Republic International (ORI) 10-K 27 Feb 25 2024 FY Annual report Financial data

Cover Page

Cover Page - USD ($)	12 Months Ended
	Dec. 31, 2024	Jan. 31, 2025	Jun. 30, 2024
Entity Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2024
Document Transition Report	false
Entity Registrant Name	OLD REPUBLIC INTERNATIONAL CORPORATION
Entity Central Index Key	0000074260
Entity File Number	001-10607
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Amendment Flag	false
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	36-2678171
Entity Address, Address Line One	307 North Michigan Avenue
Entity Address, City or Town	Chicago
Entity Address, State or Province	IL
Entity Address, Postal Zip Code	60601
City Area Code	312
Local Phone Number	346-8100
Title of 12(b) Security	Common Stock / $1 par value
Trading Symbol	ORI
Security Exchange Name	NYSE
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Shell Company	false
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Document Financial Statement Error Correction [Flag]	false
Entity Public Float			$ 7,241,491,725
Entity Common Stock, Shares Outstanding		248,191,027
Documents Incorporated by Reference	The following documents are incorporated by reference into that part of this Form 10-K designated to the right of the document title. Title Part Proxy Statement for the 2025 Annual Meeting of Shareholders III, Items 10, 11, 12, 13 and 14
ICFR Auditor Attestation Flag	true

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2024
Audit Information [Abstract]
Auditor Name	KPMG LLP
Auditor Location	Chicago, Illinois
Auditor Firm ID	185

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Investments:
Fixed income securities (at fair value) (amortized cost: $12,175.9 and $12,263.0)	$ 12,091.5	$ 12,139.9
Short-term investments (at fair value which approximates cost)	1,403.7	1,032.6
Equity securities (at fair value) (cost: $1,410.7 and $1,511.9)	2,540.7	2,660.8
Other investments	42.8	34.3
Total investments	16,079	15,867.7
Cash	201.9	202.8
Accrued investment income	127.9	117
Accounts and notes receivable	2,471.6	2,201.4
Federal income tax recoverable: Current	13.8	21.8
Reinsurance balances and funds held	423.1	544.7
Reinsurance recoverable: Paid losses	185.3	175.4
Reinsurance recoverable for loss and loss adjustment expense reserves	5,807.1	4,977.7
Unearned premium and policy reserves	921.6	798.2
Deferred policy acquisition costs	531.3	417.8
Disposal Group, Including Discontinued Operation, Assets	0	194.8
Other assets	1,080.2	981.5
Total assets	27,843.1	26,501.4
Liabilities:
Loss and loss adjustment expense reserves	13,727.7	12,538.2
Unearned premiums	3,505.4	3,042.7
Other policyholders' benefits and funds held	174	150.3
Total policy liabilities	17,407.2	15,731.4
Commissions, expenses, fees, and taxes	547.5	532.9
Reinsurance balances and funds held	1,409.8	1,380.9
Deferred Tax Liabilities, Net	129.1	105.6
Debt	1,588.7	1,591.2
Disposal Group, Including Discontinued Operation, Liabilities	0	56.8
Other liabilities	1,141.6	691.6
Total liabilities	22,224.1	20,090.7
Preferred Stock	0	0
Common Shareholders' Equity:
Common stock	248.8	278.3
Additional paid-in capital	0	678.7
Retained earnings	5,519.7	5,644.3
Accumulated other comprehensive loss	(102.4)	(132.4)
Unallocated 401(k) plan shares (at cost)	(47.1)	(58.2)
Total common shareholders' equity	5,618.9	6,410.7
Total liabilities, preferred stock and common shareholders' equity	$ 27,843.1	$ 26,501.4

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale, Amortized Cost	$ 12,175.9
Preferred Stock, Par or Stated Value Per Share	$ 0.01	$ 0.01
Preferred Stock, Shares Authorized	75,000,000	75,000,000
Preferred Stock, Shares Outstanding	0	0
Common Stock, Par or Stated Value Per Share	$ 1	$ 1
Common Stock, Shares Authorized	500,000,000	500,000,000
Common Stock, Shares, Issued	248,817,316	278,392,263
Common Class B [Member]
Common Stock, Par or Stated Value Per Share	$ 1	$ 1
Common Stock, Shares Authorized	100,000,000	100,000,000
Common Stock, Shares, Issued	0	0

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023		Dec. 31, 2022
Revenues:
Net premiums earned	$ 7,026.4	$ 6,445.9		$ 7,342.1
Title, escrow, and other fees	284.4	261.8		333.2
Total premiums and fees	7,310.8	6,707.7		7,675.3
Net investment income	673.1	578.3		459.5
Other income	177.6	163.1		149.9
Total operating revenues	8,161.6	7,449.3		8,284.9
Net investment gains (losses):
Consolidated net realized investment gains (losses)	88.8	(67)		62.2
Unrealized from changes in fair value of equity securities	(18.9)	(123.9)		(263.4)
Total net investment gains (losses)	69.9	(190.9)		(201.1)
Total revenues	8,231.5	7,258.3		8,083.7
Expenses:
Loss and loss adjustment expenses	3,024.4	2,580		2,427.7
Dividends to policyholders	23.5	16.5		12.5
Underwriting, acquisition, and other expenses	4,036.4	3,843.6		4,719.2
Interest and other charges	77.3	70.5	[1]	66.7	[2]
Total expenses	7,161.7	6,510.8		7,226.3
Income before income taxes	1,069.7	747.4		857.4
Income Taxes (Credits):
Current	205.2	186.2		226
Deferred	11.7	(37.4)		(55.1)
Total	216.9	148.7		170.9
Net Income	$ 852.7	$ 598.6		$ 686.4
Net Income Per Share:
Net income per share: basic (in dollars per share)	$ 3.30	$ 2.12		$ 2.28
Net income per share: diluted (in dollars per share)	$ 3.24	$ 2.10		$ 2.26
Weighted average number of shares outstanding, basic	258,032,085	282,732,526		301,676,941
Weighted Average Number of Shares Outstanding, Diluted	262,880,631	285,471,064		303,296,612
[1] (b) Consolidation elimination adjustments include intercompany financing arrangements for which interest charges with Old Republic's parent holding company for the following reportable segments were: Specialty - $76.5 and Title - $–, for the year ended December 31, 2023. (b) Consolidation elimination adjustments include intercompany financing arrangements for which interest charges with Old Republic's parent holding company for the following reportable segments were: Specialty - $68.9 and Title - $0.8 for the year ended December 31, 2022.

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Comprehensive Income [Abstract]
Net Income	$ 852.7	$ 598.6	$ 686.4
Unrealized gains (losses) on securities not included in the statements of income:
Unrealized gains (losses) on securities before reclassifications, not included in the statements of income	(72.5)	285.3	(1,145.7)
Amounts reclassified as realized investment (gains) losses in the statements of income	112.2	184.5	312.3
Pretax unrealized gains (losses) on securities not included in the statements of income	39.6	469.8	(833.3)
Deferred income taxes (credits)	8.7	98.9	(175.9)
Net unrealized gains (losses) on securities not included in the statements of income, net of tax	30.9	370.8	(657.3)
Defined benefit pension plans:
Foreign currency translation adjustment and other	(0.9)	14.6	62
Total other comprehensive income (loss)	29.9	385.4	(595.3)
Comprehensive Income	$ 882.6	$ 984.1	$ 91.1

Consolidated Statements of Pref

Consolidated Statements of Preferred Stock and Common Shareholders' Equity - USD ($) $ in Millions	Total	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Unallocated 401(k) Plan Shares [Member]	Treasury Stock, Common	Convertible Preferred Stock [Member] Preferred Stock [Member]
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Including Portion Attributable to Noncontrolling Interest					$ 77.4
Beginning Balance at Dec. 31, 2021		$ 307.5	$ 1,376.1	$ 5,216.1		$ (82.5)	$ 0	$ 0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Dividend reinvestment plan		0.1	2.2
Stock-based compensation		1.9
Treasury Stock, Retired, Cost Method, Amount		(12.6)	(268.6)	0			(281.2)
Stock-based compensation			31.1
401(k) plan shares released			6.1			13
Adjustments to Additional Paid in Capital, Other			(5.1)
Net income	$ 686.4			686.4
Dividends on common shares ($3.06, $0.98, and $1.92 per common share)				(580.7)
Common Stock, Dividends, Per Share, Cash Paid	$ 1.92
Net unrealized gains (losses) on securities not included in the statements of income, net of tax	$ (657.3)				(657.3)
Foreign currency translation adjustment and other	62				62
Treasury Stock, Value, Acquired, Cost Method							(281.2)
Ending Balance at Dec. 31, 2022		296.9	1,141.8	5,321.8	(517.8)	(69.5)	0	0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Including Portion Attributable to Noncontrolling Interest					(517.8)
Dividend reinvestment plan		0	1.2
Stock-based compensation		2.3
Treasury Stock, Retired, Cost Method, Amount		(20.9)	(514.4)	0			(535.3)
Stock-based compensation			45.5
401(k) plan shares released			4.5			11.2
Adjustments to Additional Paid in Capital, Other			0
Net income	$ 598.6			598.6
Dividends on common shares ($3.06, $0.98, and $1.92 per common share)				(276.2)
Common Stock, Dividends, Per Share, Cash Paid	$ 0.98
Net unrealized gains (losses) on securities not included in the statements of income, net of tax	$ 370.8				370.8
Foreign currency translation adjustment and other	14.6				14.6
Treasury Stock, Value, Acquired, Cost Method							(535.3)
Ending Balance at Dec. 31, 2023	6,410.7	278.3	678.7	5,644.3	(132.4)	(58.2)	0	0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Including Portion Attributable to Noncontrolling Interest					(132.4)
Dividend reinvestment plan		0	1.3
Stock-based compensation		0.2
Treasury Stock, Retired, Cost Method, Amount		(29.9)	(710.7)	(211)			(951.6)
Stock-based compensation			22.4
401(k) plan shares released			8.2			11.1
Adjustments to Additional Paid in Capital, Other			0
Net income	$ 852.7			852.7
Dividends on common shares ($3.06, $0.98, and $1.92 per common share)				(766.3)
Common Stock, Dividends, Per Share, Cash Paid	$ 3.06
Net unrealized gains (losses) on securities not included in the statements of income, net of tax	$ 30.9				30.9
Foreign currency translation adjustment and other	(0.9)				(0.9)
Treasury Stock, Value, Acquired, Cost Method	951.6						(951.6)
Ending Balance at Dec. 31, 2024	$ 5,618.9	$ 248.8	$ 0	$ 5,519.7	$ (102.4)	$ (47.1)	$ 0	$ 0

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Cash flows from operating activities:
Net income		$ 852.7	$ 598.6	$ 686.4
Adjustments to reconcile net income to net cash provided by operating activities:
Deferred policy acquisition costs		(113.4)	(35.2)	(32)
Accounts and notes receivable		(270.1)	(274.4)	(158.6)
Loss and loss adjustment expense reserves		354.9	93.4	221.5
Unearned premiums and other policyholders' liabilities		363.4	194	157.6
Federal income taxes		20.8	(47.1)	(54.7)
Reinsurance balances and funds held		140.6	23.8	147.2
Realized Investment Gains (Losses)		(88.8)	67	(62.2)
Unrealized from changes in fair value of equity securities		18.9	123.9	263.4
Other - net		(45.4)	136.3	1.9
Total		1,233.4	880.4	1,170.6
Cash flows from investing activities:
Maturities and calls on fixed income securities		1,617.8	1,353.2	1,356.1
Fixed income securities		2,437.8	1,446.5	1,403.3
Equity securities		327.1	691.5	2,249.4
Other investments		10.6	14.5	11.4
Purchases of:
Fixed income securities		(4,014.3)	(2,919.7)	(5,009.5)
Equity securities		(24.3)	(91.9)	(58)
Other investments		(103.5)	(106.4)	(59.7)
Proceeds from Divestiture of Interest in Consolidated Subsidiaries		136.6	0	0
Net increase in short-term investments		(390.5)	(362.6)	(295.7)
Payments for (Proceeds from) Other Investing Activities		(1.2)	0.3	(12.3)
Total		(3.9)	25.3	(415)
Cash flows from financing activities:
Proceeds from Issuance of Long-term Debt		395.9	0	0
Issuance of common shares		2	31.1	26.6
Redemption of debentures and notes		(400)	(5.3)	0
Dividends on common shares (including special dividends of $308.4 paid in 2022)		(271.9)	(275.5)	(579.7)
Treasury stock acquired		(942.2)	(535.3)	(281.2)
Other - net		(10.7)	1.8	1.5
Total		(1,226.9)	(783.2)	(832.7)
Increase (decrease) in cash		2.4	122.5	(77.1)
Net Cash Provided by (Used in) Discontinued Operations	[1]	(3.3)	(0.8)	0
Cash, cash equivalents, restricted cash and restricted cash equivalents, beginning of period		202.8	81	158.1
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, end of period		201.9	202.8	81
Supplemental cash flow information:
Cash paid (received) during the period for: Interest		77.3	66	65.8
Cash paid (received) during the period for: Income taxes		$ 196.3	$ 198.3	$ 226.5
[1] (a) The sale of the RFIG Run-off mortgage insurance business closed effective May 31, 2024. See Note 2 in the Notes to Consolidated Financial Statements for further discussion.

Consolidated Statements of Ca_2

Consolidated Statements of Cash Flows (Parenthetical) $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($)
Statement of Cash Flows [Abstract]
Special dividends paid in 2022	$ 308.4

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Basis of Presentation and Significant Accounting Policies	Summary of Significant Accounting Policies The significant accounting policies employed by Old Republic are set forth in the following summary. Accounting Principles - The Company's insurance subsidiaries are managed pursuant to the laws and regulations of the various states in which they operate. As a result, the subsidiaries operate their business in the context of such laws and regulations and maintain their accounts in conformity with accounting practices prescribed or permitted by various states' insurance regulatory authorities. Federal income taxes and dividends to shareholders are based on financial statements and reports complying with such practices. The statutory accounting requirements vary from the Financial Accounting Standards Board (FASB) Accounting Standards Codification (ASC) of accounting principles generally accepted in the United States of America (GAAP) in the following major respects: • the costs of selling insurance policies are charged to operations immediately, while the related premiums are recognized as income over the terms of the policies. Ceding commissions received in excess of such acquisition costs are amortized over the effective period of the premiums ceded under the related reinsurance agreement; • investments in fixed income securities designated as available for sale are generally carried at amortized cost rather than their estimated fair value; • changes in the fair value of equity securities are recorded directly in earned surplus and not through the income statement as required under GAAP unless such securities are determined to be other-than-temporarily impaired for statutory reporting purposes; • certain assets classified as "nonadmitted assets" are excluded from the balance sheet through a direct charge to earned surplus; • changes in deferred income tax assets or liabilities are recorded directly in earned surplus and not through the income statement; • mortgage guaranty contingency reserves intended to provide for future catastrophic losses are established as a liability through a charge to earned surplus whereas GAAP does not allow provisions for future catastrophic losses; • premium reserves for Title Insurance intended to cover losses that will be reported at a future date are based on statutory formulas, and changes therein are charged in the income statement against each year's premiums written; • certain required formula-derived reserves for Specialty Insurance in particular are established for credits taken relative to reinsurance placed with other insurance companies not licensed in the respective states, which are charged directly against earned surplus; and • surplus notes are classified as surplus rather than a liability. The Company has made adjustments to the statutory financial statements of its insurance subsidiaries to conform their accounts with GAAP for these Consolidated Financial Statements and Notes. The following table reflects a summary of all such adjustments: Shareholders' Equity Net Income December 31, Years Ended December 31, 2024 2023 2024 2023 2022 Statutory totals of insurance company subsidiaries: Specialty Insurance $ 4,742.8 $ 4,607.8 $ 700.4 $ 594.3 $ 549.2 Title Insurance 635.6 673.9 140.1 152.3 224.9 RFIG Run-off (a) — 131.1 4.1 9.8 70.5 Life and Accident 54.5 56.6 5.7 5.2 5.0 Subtotal 5,432.9 5,469.4 850.3 761.6 849.6 GAAP totals of non-insurance company subsidiaries and consolidation adjustments 242.2 1,058.6 (25.3) (77.2) 11.3 Unadjusted totals 5,675.0 6,527.9 824.9 684.3 860.8 Adjustments to conform to GAAP statements: Deferred policy acquisition costs 338.2 286.7 50.5 34.9 26.3 Investment adjustments (79.1) (102.6) (13.9) (109.1) (252.4) Nonadmitted assets 283.8 207.3 — — — Deferred income taxes (136.2) (95.1) (6.4) 26.2 35.4 Mortgage contingency reserves — 38.4 — — — Title insurance premium reserves 710.8 733.7 (22.8) (43.7) 42.5 Loss and loss adjustment expenses (507.4) (535.8) 26.7 17.1 (25.2) Surplus notes (719.5) (696.5) — — — Other adjustments 53.1 46.4 (6.4) (11.2) (0.7) Total adjustments (56.3) (117.5) 27.6 (85.7) (174.4) Consolidated GAAP totals $ 5,618.9 $ 6,410.7 $ 852.7 $ 598.6 $ 686.4 __________ (a) Includes activity through the effective date of its sale of May 31, 2024. The insurance laws of the respective states in which the Company’s insurance subsidiaries are incorporated prescribe minimum capital and surplus requirements for the lines of business they are licensed to write. For domestic property and casualty and life and accident insurance companies the National Association of Insurance Commissioners also prescribes risk-based capital (RBC) requirements. RBC is a measure of statutory capital in relationship to a formula-driven definition of risk relative to a company’s balance sheet and mix of business. The combined RBC ratio of the primary insurance subsidiaries contributing to the Specialty Insurance segment was 549% and 609% of the company action level RBC at December 31, 2024 and 2023, respectively. The minimum capital requirements for the Company’s Title Insurance subsidiaries are established by statute in the respective states of domicile. The minimum regulatory capital requirements are not significant in relationship to the recorded statutory capital of the Company’s Title and Life and Accident insurance subsidiaries. At December 31, 2024 and 2023 each of the Company’s insurance subsidiaries exceeded the minimum statutory capital and surplus requirements. The preparation of financial statements in conformity with either statutory practices or GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, the disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting period. Accordingly, actual results could differ from those estimates. Consolidation Practices - The consolidated financial statements include the accounts of the Company and those of all of its majority owned insurance underwriting and service subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation. Statement Presentation - Amounts shown in the consolidated financial statements and applicable notes are stated (except as otherwise indicated and as to share data) in millions, which amounts may not add to totals shown due to truncation. Prior period amounts have been reclassified whenever appropriate to conform to the most current presentation. Accounting Standard Adoption - In November 2023, the FASB issued Accounting Standards Update (ASU) No. 2023-07, Segment Reporting: Improvements to Reportable Segment Disclosures . This guidance expands the breadth and frequency of segment disclosures, including additional disclosures about significant segment expenses. Among other requirements, the guidance: • Introduces a new requirement to disclose certain significant segment expenses regularly provided to the chief operating decision maker (CODM), • Extends certain annual disclosures to interim periods, • Permits more than one measure of segment profit or loss to be reported under certain conditions, and • Requires disclosure of the title and position of the CODM. The ASU does not change how an entity identifies its operating segments, aggregates those operating segments, or applies the quantitative thresholds to determine its reportable segments. These disclosure-only requirements were effective for fiscal years beginning after December 15, 2023, and have been incorporated within Note 16 of these Notes to the Consolidated Financial Statements. These requirements will be effective for interim periods within fiscal years beginning after December 15, 2024. No other new accounting standards were adopted in 2024 that materially impacted the consolidated financial statements. Accounting Standards Pending Adoption – In December 2023, the FASB issued ASU No. 2023-09, Improvements to Income Tax Disclosures which will require further disaggregation of existing disclosures for the effective tax rate reconciliation and income taxes paid. More specifically, the amendments will require entities to disclose: • A tabular effective tax rate reconciliation, broken out into specific categories with certain reconciling items above a 5% threshold further broken out by nature and/or jurisdiction, and • Income taxes paid (net of refunds received), broken out between federal, state and foreign, and net amounts paid to an individual jurisdiction that exceed 5% of the total. The requirements are effective for annual reporting in fiscal years beginning after December 15, 2024. The Company continues to evaluate the requirements of this disclosure-only guidance. In November 2024, the FASB issued ASU No. 2024-03, Disaggregation of Income Statement Expenses which will require additional disclosure as to the nature of expenses included in the income statement. More specifically, the new standard requires disclosures about specific types of expenses included in the expense captions presented on the face of the income statement, such as employee compensation, depreciation, and intangible asset amortization. The guidance does not change the requirements for the presentation of expenses on the face of the income statement. The requirements are effective for fiscal years beginning after December 15, 2026 and interim reporting periods beginning after December 15, 2027 and will be applied prospectively with the option for retrospective application. The Company is currently evaluating the impact of this disclosure-only guidance. Investments - The Company classifies its fixed income securities as those it either (1) has the intent and ability to hold until maturity, (2) has available for sale, or (3) has the intention of trading. The Company's fixed income portfolio is classified as available for sale as of December 31, 2024 and 2023. Fixed income securities classified as available for sale are reported at fair value with changes in such values, net of deferred income taxes, reflected directly in shareholders' equity. Equity securities are reported at fair value with changes in such values reflected as unrealized investment gains (losses) in the consolidated statements of income. Fair values are based on quoted market prices or estimates using values obtained from recognized independent pricing services. The status and fair value changes of fixed income securities are reviewed at least once per quarter to assess whether a decline in fair value of a security below its cost basis is the result of a credit loss. Factors considered in making this assessment include a security's market price history, as well as the issuer's operating results, financial condition and liquidity, its ability to access capital markets and to make scheduled principal or interest payments, credit rating trends, most current audited financial statements, industry and securities markets conditions and analyst expectations. Sudden fair value declines caused by such adverse developments as newly emerged or imminent bankruptcy filings, issuer default on significant obligations, or reports of financial accounting developments that bring into question the validity of the issuer's previously reported earnings or financial condition are recognized as realized losses as soon as credible publicly available information emerges to confirm such developments. Credit losses are recorded through an allowance with the corresponding charge to realized investment gains (losses). If the Company intends to sell or is more likely than not required to sell a security, the asset is written down to fair value directly through realized investment gains (losses). Investment income is reported net of allocated expenses and includes appropriate adjustments for amortization of premium and accretion of discount on fixed income securities acquired at other than par value. Dividends on equity securities are credited to income on the ex-dividend date. At December 31, 2024, the Company and its subsidiaries did not have significant amounts of non-income producing securities. Investment gains and losses, which result from sales or write-downs of securities, are reflected as revenues in the income statement and are determined on the basis of amortized cost at date of sale for fixed income securities, and cost in regard to equity securities; such bases apply to the specific securities sold. Revenue Recognition - Pursuant to GAAP applicable to the insurance industry, revenues are recognized as follows: Substantially all Specialty Insurance premiums pertain to annual policies and are reflected in income on a pro-rata basis in association with the related loss and loss adjustment expenses. Earned but unbilled premiums are generally taken into income on the billing date, while adjustments for retrospective premiums, commissions, and similar charges or credits are accrued on the basis of periodic evaluations of current underwriting experience and contractual obligations. Title premium and fee revenues stemming from the Company's direct operations (which include branch offices of its title insurers and wholly-owned agency subsidiaries) represent 23.0% of 2024, 21.0% of 2023, and 19.5% of 2022 consolidated title business revenues. Such premiums are generally recognized as income at the transaction closing date which approximates the policy effective date. Fee income related to escrow and other closing services is recognized when the related services have been performed and completed. The remaining Title Insurance premium and fee revenues are produced by independent title agents. Rather than making estimates that could be subject to significant variance from actual premium and fee production, the Company recognizes revenues from those sources upon receipt. Such receipts can result in a three to four month lag relative to the effective date of the underlying title policy, and are offset concurrently by production expenses and loss reserve provisions. The Company recognized total contract revenue from customers of $232.3, $215.9, and $210.1 during 2024, 2023, and 2022, respectively. Of these amounts, approximately $157.1, $145.1, and $132.8, respectively, were generated from claims handling and related ancillary services (i.e. risk control services) provided to customers within the Company’s Specialty Insurance segment. Claims handling revenues are recognized on a straight-line basis over the contract period (generally one year) which is commensurate with the entity’s efforts relative to claims adjudication. The related ancillary services revenues are recognized as services are provided and invoiced to the customer. Additionally, revenues from contracts with customers generated from the Company’s Title Insurance segment, consisting primarily of software licensing arrangements, tax-deferred property exchange services, and electronic recording services, totaled $64.5, $62.5, and $69.2 for the years ended December 31, 2024, 2023, and 2022, respectively. Such revenues are generally recognized at a point in time upon completion and invoicing of the services, or in the case of software maintenance agreements, on a straight-line basis over the life of the contract (generally one year). Deferred Policy Acquisition Costs - Various insurance subsidiaries of the Company defer direct costs related to the successful production of business. Deferred costs consist principally of commissions, premium taxes, and policy issuance expenses. With respect to most coverages, deferred policy acquisition costs are amortized on the same basis as the related premiums are earned. To the extent that future revenues on existing policies are not adequate to cover related costs and expenses, deferred policy acquisition costs are charged to earnings. The Company considers investment income when evaluating the recoverability of deferred policy acquisition costs. Assets Held-for-Sale - The Company classifies a business as held-for-sale when management has approved or received approval to sell the business, the sale is probable to occur during the next 12 months at a price that is reasonable in relation to its current estimated fair value, and certain other specific criteria are met. The business classified as held-for-sale is measured at the lower of the carrying value or estimated fair value, less costs to sell. If the carrying value of the business exceeds its estimated fair value, less costs to sell, a loss is recognized and reported in net investment gains (losses). Assets and liabilities related to the business classified as held-for-sale are separately reported in the Company's consolidated balance sheet in the period in which the business is classified as held-for-sale. See Note 2 for further discussion. Loss and Loss Adjustment Expense Reserves - The establishment of loss reserves by the Company's insurance subsidiaries is a reasonably complex and dynamic process influenced by a large variety of factors. These factors principally include past experience applicable to the anticipated costs of various types of claims; continually evolving and changing legal theories from the judicial system; recurring accounting, statistical, and actuarial studies; the professional experience and expertise of the Company's claim departments' personnel, attorneys, and independent claim adjusters; ongoing changes in claim frequency or severity patterns such as those caused by natural disasters, illnesses, accidents, work‑related injuries; and changes in general and industry-specific economic conditions. Consequently, the reserves established are a reflection of: the opinions of a large number of persons; the application and interpretation of historical precedent and trends; expectations as to future developments; and management's judgment in interpreting all such factors. At any point in time, the Company is exposed to the possibility of higher or lower than anticipated loss costs due to all of these factors, and to the evolution, interpretation, and expansion of tort law, as well as the effects of unexpected jury verdicts. All reserves are therefore based on estimates which are periodically reviewed and evaluated in the light of emerging loss experience and changing circumstances. The resulting changes in estimates are recorded in operations of the periods during which they are made. Return and additional premiums and policyholders' dividends, all of which tend to be affected by development of losses in future years, may offset, in whole or in part, favorable or unfavorable loss developments for certain coverages such as workers' compensation, portions of which are written under loss sharing programs that provide for such adjustments. Management believes that its overall reserving practices have been consistently applied over many years, and that its aggregate net reserves have generally resulted in reasonable approximations of the ultimate net costs of losses incurred. However, no representation is made nor is any guaranty given that ultimate net losses and related costs will not develop in future years to be significantly greater or lower than currently established reserve estimates. Specialty Insurance reserves are established to provide for the ultimate expected cost of settling unpaid losses and claims reported at each balance sheet date. Such reserves are based on continually evolving assessments of the facts available to the Company during the settlement process which may stretch over long periods of time. Losses and claims incurred but not reported (IBNR), as well as expenses required to settle losses and claims, are established on the basis of a large number of formulas that take into account various criteria, including historical cost experience and anticipated costs of servicing reinsured and other risks. As applicable, estimates of possible recoveries from salvage or subrogation opportunities are considered in the establishment of such reserves. Overall loss and loss adjustment expense reserves incorporate amounts covering net estimates of unusual claims such as those emanating from asbestosis and environmental (A&E) exposures. Such reserves can affect claim costs and related loss ratios for such insurance coverages as general liability, commercial auto, workers' compensation, and property. Title Insurance and related escrow services loss and loss adjustment expense reserves are established as point estimates to cover the projected settlement costs of known as well as IBNR losses related to premium and escrow service revenues of each reporting period. Reserves for known claims are based on an assessment of the facts available to the Company during the settlement process. The point estimates covering all loss reserves take into account IBNR claims based on past experience and evaluations of such variables as changes in trends in the types of policies issued, real estate markets and interest rate environments, and levels of loan refinancing, all of which can have a bearing on the emergence, number, and ultimate cost of claims. In addition to the above reserve elements, the Company establishes reserves for loss settlement costs that are not directly related to individual claims. Such reserves are based on prior years' cost experience and trends, and are intended to cover the unallocated costs of claim departments' administration of known and IBNR claims. Reinsurance - The cost of reinsurance is recognized over the terms of the reinsurance contracts. Amounts recoverable from reinsurers for loss and loss adjustment expenses are estimated in a manner consistent with the claim liability associated with the reinsured business. The Company evaluates the financial condition of its reinsurers on a regular basis and allowances are established for estimated credit losses. See Note 10 for further discussion. Income Taxes - The Company and most of its subsidiaries file a consolidated tax return and provide for income taxes payable currently. Deferred income taxes included in the accompanying consolidated financial statements will not necessarily become payable or recoverable in the future. The Company uses the asset and liability method of calculating deferred income taxes. This method results in the establishment of deferred tax assets and liabilities, calculated at currently enacted tax rates that are applied to the cumulative temporary differences between the financial statement and tax bases of assets and liabilities. Property and Equipment - Property and equipment is generally depreciated or amortized over the estimated useful lives of the assets (two to 27 years), substantially by the straight-line method. Depreciation and amortization expenses related to property and equipment were $39.3, $33.0, and $28.3 in 2024, 2023, and 2022, respectively. Expenditures for maintenance and repairs are charged to income as incurred, and expenditures for major renewals and additions are capitalized as appropriate. Title Plants and Records - Title plants and records are carried at original cost or appraised value at the date of purchase. Such values represent the cost of producing or acquiring interests in title records and indexes and the appraised value of purchased subsidiaries' title records and indexes at dates of acquisition. The cost of maintaining, updating, and operating title records is charged to income as incurred. Title records and indexes are ordinarily not amortized unless events or circumstances indicate that the carrying amount of the capitalized costs may not be recoverable. Goodwill and Intangible Assets - Goodwill resulting from business combinations is not amortizable against operations but must be tested annually for possible impairment of its continued value. Intangible assets with definitive lives are amortized against future operating results; whereas indefinite-lived intangibles are tested annually for impairment. Annual testing did not result in any impairment charges for the periods presented, and reporting units with goodwill balances had estimated fair values in excess of their carrying values. The Company's consolidated goodwill balance of $179.6 and $178.3 as of December 31, 2024 and 2023, respectively, is included as part of other assets in the consolidated balance sheets. No significant changes to goodwill balances occurred in either period. Employee Benefit Plans - The Company has a closed pension plan (the Plan) for certain employees under which benefits were frozen as of December 31, 2013. The Plan is a defined benefit plan pursuant to which pension payments are based primarily on years of service and employee compensation near retirement. As a result, eligible employees retain all of the vested rights as of the effective date of the freeze. While additional benefits no longer accrue, the Company's cumulative obligation continues to be subject to further adjustment due to changes in actuarial assumptions such as expected mortality, and changes in interest rates. The funded status of a pension plan is measured as of December 31 of each year as the difference between the fair value of plan assets and the projected benefit obligation. The funded status of the Plan is recognized as a net pension asset or liability, as applicable, with offsetting entries reflected as a component of shareholders' equity in accumulated other comprehensive income, net of deferred taxes. The Company also provides long-term incentive awards to certain employees under the 2022 Incentive Compensation Plan which was approved in May 2022. Stock options granted under this plan are valued using the Black-Scholes-Merton option pricing model and restricted stock awards, restricted stock unit awards, and performance-based restricted stock unit awards are granted at market price. The value of performance-based restricted stock unit awards earned depends on the level of achievement of performance objectives over the three-year performance period. The awards are generally expensed on a straight-line basis over the vesting period and forfeitures are accounted for as they occur. Escrow Funds - Segregated cash deposit accounts and the offsetting liabilities for escrow deposits in connection with Title Insurance real estate transactions in the same amounts ($1,903.4 and $1,817.1 at December 31, 2024 and 2023, respectively) are not included as assets or liabilities in the accompanying consolidated balance sheets as the escrow funds are not available for regular operations. Additional Paid-in Capital - Additional paid-in capital is comprised of the cumulative cash received by the Company in excess of the par value associated with shares issued, less the cumulative cash paid in excess of the par value of shares repurchased. Treasury Stock - Treasury stock represents the Company’s previously issued shares of stock which have been repurchased by the Company. These shares are accounted for at the cost at which they were acquired. Treasury stock is typically impacted by repurchases of shares under the Board of Directors approved share repurchase programs. Common Share Repurchases - Common shares acquired under share repurchase programs are generally retired, restoring them to authorized, unissued status. Repurchases of treasury stock above par value are first charged to additional paid-in capital, with any excess charged to retained earnings.

Discontinued Operations and Dis

Discontinued Operations and Disposal Groups	12 Months Ended
	Dec. 31, 2024
Discontinued Operations and Disposal Groups [Abstract]
Disposal Groups, Including Discontinued Operations, Disclosure	Disposition of RMIC Companies, Inc. (RMICC) On November 11, 2023, a definitive agreement was reached to sell RMIC Companies, Inc. and its wholly-owned mortgage insurance subsidiaries (collectively, "RMICC") to Arch U.S. MI Holdings Inc., a subsidiary of Arch Capital Group Ltd. The sale closed effective May 31, 2024 with cash proceeds totaling $136.6. As of December 31, 2023, the Company reported the assets and liabilities of RMICC as held-for-sale in the consolidated balance sheet with results reported in continuing operations in the consolidated statement of income. The Company determined that the transaction did not meet the criteria to be classified as a discontinued operation as it did not represent a strategic shift that had a major effect on the Company's operations and financial results. As a result of the sale, the Company realized a total loss of $51.0, recorded in net investment gains (losses), of which $ 45.6 The table below reflects the carrying amounts of assets and liabilities held-for-sale as of December 31, 2023 and transferred with the sale at May 31, 2024: May 31, 2024 December 31, 2023 Assets: Investments: Fixed income securities (at fair value) $ 16.8 $ 29.8 Short-term investments (at fair value which approximates cost) 205.5 191.3 Total investments 222.4 221.2 Cash 4.1 0.8 Accrued investment income 0.1 0.9 Accounts and notes receivable 0.5 0.5 Federal income tax recoverable: Current — 2.2 Deferred 0.2 0.2 Other assets (a) 0.8 (31.1) Total assets $ 228.3 $ 194.8 Liabilities: Policy liabilities: Loss and loss adjustment expense reserves $ 49.6 $ 54.9 Unearned premiums — 0.1 Total policy liabilities 49.7 55.0 Commissions, expenses, fees, and taxes 0.1 1.2 Federal income tax payable: Current 0.3 — Other liabilities 0.3 0.5 Total liabilities $ 50.5 $ 56.8 _________ (a) Other assets as of December 31, 2023 is presented net of a valuation allowance of $34.5 which was recorded upon remeasurement of the disposal group to fair value.

Investments

Investments	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Investment	Investments The amortized cost and fair values by type and contractual maturity of fixed income securities are shown in the following tables. Expected maturities will differ from contractual maturities because borrowers may have the right to call or repay obligations with or without call or prepayment penalties. Amortized Gross Gross Fair Value Fixed Income Securities by Type: December 31, 2024: Government & Agency $ 1,950.5 $ 2.7 $ 61.3 $ 1,891.9 Municipal 319.6 — 1.6 317.9 Corporate 9,905.8 76.7 100.8 9,881.7 $ 12,175.9 $ 79.4 $ 163.8 $ 12,091.5 December 31, 2023: Government & Agency $ 1,920.3 $ 3.2 $ 64.6 $ 1,858.9 Municipal 774.5 0.2 7.1 767.6 Corporate 9,568.1 135.5 190.3 9,513.3 $ 12,263.0 $ 139.0 $ 262.0 $ 12,139.9 Amortized Fair Value Fixed Income Securities Stratified by Contractual Maturity at December 31, 2024: Due in one year or less $ 1,444.1 $ 1,437.4 Due after one year through five years 5,831.1 5,787.7 Due after five years through ten years 4,556.6 4,529.9 Due after ten years 343.9 336.4 $ 12,175.9 $ 12,091.5 Bonds and other investments with a carrying value of $979.6 and $946.0 as of December 31, 2024 and 2023, respectively, were on deposit with governmental authorities by the Company's insurance subsidiaries to comply with state insurance laws. The following table reflects the Company's gross unrealized losses and fair value of fixed income securities, aggregated by category and length of time that individual securities have been in an unrealized loss position. Less than 12 Months 12 Months or Greater Total Fair Unrealized Losses Fair Unrealized Losses Fair Unrealized Losses December 31, 2024: Fixed Income Securities: Government & Agency $ 678.0 $ 17.9 $ 679.2 $ 43.4 $ 1,357.3 $ 61.3 Municipal 14.4 — 289.2 1.6 303.6 1.6 Corporate 3,683.0 57.1 1,763.2 43.6 5,446.2 100.8 $ 4,375.5 $ 75.0 $ 2,731.7 $ 88.7 $ 7,107.2 $ 163.8 December 31, 2023: Fixed Income Securities: Government & Agency $ 461.0 $ 2.7 $ 1,179.3 $ 61.8 $ 1,640.4 $ 64.6 Municipal 173.1 0.8 554.7 6.2 727.9 7.1 Corporate 853.3 8.2 4,270.9 182.0 5,124.3 190.3 $ 1,487.6 $ 11.8 $ 6,005.1 $ 250.2 $ 7,492.7 $ 262.0 In the above tables, the unrealized losses on fixed income securities are deemed to reflect changes in the interest rate environment. As part of its assessment of credit losses, the Company considers whether it intends to sell or is more likely than not required to sell securities, principally in consideration of its asset and liability maturity matching objectives. No impairment losses were recorded in 2024. Net realized investment gains (losses) for the year ended December 31, 2023 included impairment charges of $6.2 primarily related to the Company's intent to sell and subsequent disposal of fixed income securities to facilitate certain structural changes to a deferred compensation plan, and a small credit loss. Net realized investment gains (losses) for the year ended December 31, 2022 included $123.5 of impairment losses on fixed income securities, also related to management's assessment of its intent to sell, primarily driven by tax planning considerations. The Company's allowance for credit losses was $1.6 as of both December 31, 2024 and 2023. The following table shows cost and fair value information for equity securities: Equity Securities Cost Gross Gross Fair Value December 31, 2024 $ 1,410.7 $ 1,148.6 $ 18.6 $ 2,540.7 December 31, 2023 $ 1,511.9 $ 1,164.7 $ 15.7 $ 2,660.8 Changes in the fair value of equity securities still held at December 31, 2024, 2023, and 2022 were $184.0, $28.2, and $42.3, respectively, for the years then ended. Fair Value Measurements - Fair value is defined as the estimated price that is likely to be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants (an exit price) at the measurement date. A fair value hierarchy is established that prioritizes the sources (inputs) used to measure fair value into three broad levels: • Level 1 inputs are based on quoted market prices in active markets; • Level 2 observable inputs are based on corroboration with available market data; • Level 3 unobservable inputs are based on uncorroborated market data or a reporting entity's own assumptions. The following is a description of the valuation methodologies and general classification used for financial instruments measured at fair value. The Company uses quoted values and other data provided by nationally recognized independent pricing sources as inputs into its quarterly process for determining fair values of fixed income and equity securities. To validate the techniques or models used by pricing sources, the Company's review process includes, but is not limited to: (i) initial and ongoing evaluation of methodologies used by outside parties to calculate fair value; and (ii) comparisons with other sources including the fair value estimates based on current market quotations, and with independent fair value estimates provided by the independent investment custodian. Independent pricing sources obtain market quotations and actual transaction prices for securities that have quoted prices in active markets and use their own proprietary method for determining the fair value of securities that are not actively traded. In general, these methods involve the use of "matrix pricing" in which the independent pricing source uses observable market inputs including, but not limited to, investment yields, credit risks and spreads, benchmarking of like securities, broker-dealer quotes, reported trades, and sector groupings to determine a reasonable fair value. Level 1 securities include U.S. and Canadian Treasury notes, publicly traded common stocks, mutual funds, and short-term investments in highly liquid money market instruments. Level 2 securities generally include corporate bonds, municipal bonds, and certain U.S. and Canadian government agency securities. Securities classified within Level 3 include non-publicly traded bonds and equity securities. There were no significant changes in the fair value of Level 3 assets as of December 31, 2024 and 2023. The following tables show a summary of the fair value of financial assets segregated among the various input levels described above: Fair Value Measurements As of December 31, 2024: Level 1 Level 2 Level 3 Total Fixed income securities: Government & Agency $ 1,652.7 $ 239.1 $ — $ 1,891.9 Municipal — 317.9 — 317.9 Corporate — 9,862.2 19.4 9,881.7 Short-term investments 1,403.7 — — 1,403.7 Equity securities $ 2,538.5 $ — $ 2.1 $ 2,540.7 As of December 31, 2023: Fixed income securities: Government & Agency $ 1,379.8 $ 479.1 $ — $ 1,858.9 Municipal — 767.6 — 767.6 Corporate — 9,493.7 19.5 9,513.3 Short-term investments 1,032.6 — — 1,032.6 Equity securities $ 2,653.8 $ — $ 7.0 $ 2,660.8 There were no transfers between Levels 1, 2, or 3 during 2024 or 2023. The following table reflects the composition of net investment income, net realized gains or losses, and the net change in unrealized investment gains or losses for each of the years shown. Years Ended December 31: 2024 2023 2022 Investment income from: Fixed income securities $ 521.0 $ 438.8 $ 314.4 Equity securities 79.3 92.1 132.5 Short-term investments 72.8 50.9 17.9 Other investments (a) 27.6 17.0 4.3 Gross investment income 700.8 598.9 469.3 Investment expenses (a) 27.7 20.6 9.7 Net investment income $ 673.1 $ 578.3 $ 459.5 Net investment gains (losses): Realized from actual transactions: Fixed income securities: Gains $ 2.7 $ 1.2 $ 2.6 Losses (114.8) (181.9) (190.2) Net (112.1) (180.7) (187.6) Equity securities: Gains 208.1 214.5 486.5 Losses (1.5) (51.4) (111.9) Net 206.5 163.0 374.5 Other investments, net — 2.4 (1.2) Total realized from actual transactions 94.3 (15.2) 185.7 From impairments (b) (5.4) (51.8) (123.5) From unrealized changes in fair value of equity securities (18.9) (123.9) (263.4) Total realized and unrealized investment gains (losses) 69.9 (190.9) (201.1) Current and deferred income taxes (credits) 14.2 (40.0) (42.5) Net of tax realized and unrealized investment gains (losses) $ 55.7 $ (150.8) $ (158.6) Changes in unrealized investment gains (losses) reflected directly in shareholders' equity on: Fixed income securities $ 39.5 $ 464.1 $ (824.7) Less: Deferred income taxes (credits) 8.7 97.7 (174.1) 30.7 366.3 (650.5) Other investments 0.1 5.7 (8.5) Less: Deferred income taxes (credits) — 1.1 (1.8) 0.1 4.5 (6.7) Net changes in unrealized investment gains (losses), net of tax $ 30.9 $ 370.8 $ (657.3) _________ (a) Includes interest on funds held. (b) Includes loss on sale of RMICC for 2023 and 2024, respectively, as described in Note 2.

Deferred Policy Acquisition Cos

Deferred Policy Acquisition Cost	12 Months Ended
	Dec. 31, 2024
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Deferred Policy Acquisition Cost	Deferred Policy Acquisition Costs The following table shows the components of deferred policy acquisition costs: Years Ended December 31: 2024 2023 2022 Deferred, beginning of year $ 417.8 $ 382.5 $ 350.4 Policy acquisition costs deferred: Commissions, net of reinsurance 645.6 495.0 423.3 Premium taxes 173.0 161.0 147.1 Salaries and other underwriting expenses 64.7 59.3 53.0 Subtotal 883.5 715.3 623.5 Amortization charged to income (770.0) (680.1) (591.4) Change for the year 113.4 35.2 32.0 Deferred, end of year $ 531.3 $ 417.8 $ 382.5 The Company recently added a large auto warranty account that requires recording premiums and commissions that represent the mark-up a dealer charges for the insurance policy issued by the Company. This retail mark-up effectively increases premiums with an offset to commissions, both of which are subject to deferral and amortization over the life of the policy.

Losses, Claims and Settlement E

Losses, Claims and Settlement Expenses	12 Months Ended
	Dec. 31, 2024
Insurance [Abstract]
Losses, Claims and Settlement Expenses	Loss and Loss Adjustment Expenses The following table shows changes in aggregate reserves for the Company's loss and loss adjustment expenses: Years Ended December 31: 2024 (a) 2023 2022 Gross reserves at beginning of year $ 12,538.2 $ 12,221.5 $ 11,425.5 Less: reinsurance losses recoverable 4,977.7 4,699.5 4,125.3 Net reserves at beginning of year: Specialty Insurance 6,955.2 6,824.8 6,587.0 Title Insurance 598.5 612.8 594.2 Other 6.6 84.2 118.9 Subtotal 7,560.4 7,521.9 7,300.2 Incurred loss and loss adjustment expenses: Provisions for insured events of the current year: Specialty Insurance 3,081.9 2,770.7 2,545.1 Title Insurance 89.8 93.6 139.6 Other 7.0 22.4 26.3 Subtotal 3,178.8 2,886.8 2,711.1 Change in provision for insured events of prior years: Specialty Insurance (106.2) (234.0) (193.1) Title Insurance (43.6) (44.9) (50.4) Other (1.9) (26.9) (39.0) Subtotal (151.9) (305.8) (282.6) Total incurred loss and loss adjustment expenses 3,026.8 2,581.0 2,428.4 Payments: Loss and loss adjustment expenses attributable to insured events of the current year: Specialty Insurance 1,004.7 930.6 834.4 Title Insurance 11.1 14.4 13.1 Other 3.0 4.8 5.0 Subtotal 1,018.8 949.8 852.7 Loss and loss adjustment expenses attributable to insured events of prior years: Specialty Insurance 1,584.6 1,475.6 1,279.8 Title Insurance 60.8 48.7 57.3 Other 2.3 13.3 16.8 Subtotal 1,647.8 1,537.7 1,354.0 Total payments 2,666.7 2,487.6 2,206.7 RFIG Run-off reserves reclassified to liabilities held-for-sale (a) — 54.9 — Net reserves at end of year: Specialty Insurance 7,341.5 6,955.2 6,824.8 Title Insurance 572.7 598.5 612.8 Other 6.4 6.6 84.2 Subtotal 7,920.6 7,560.4 7,521.9 Reinsurance losses recoverable 5,807.1 4,977.7 4,699.5 Gross reserves at end of year $ 13,727.7 $ 12,538.2 $ 12,221.5 _________ (a) RFIG Run-off reserves were classified as held-for-sale as of December 31, 2023 in the consolidated balance sheet. Loss reserve activity for this business, which was immaterial for 2024, is excluded from the 2024 column of the table above. See Note 2 for further discussion. For the three most recent calendar years, the above table indicates that the one-year development of consolidated reserves at the beginning of each year produced favorable developments of 2.0%, 4.1%, and 3.9% for 2024, 2023, and 2022, respectively, with average favorable annual developments of 3.3%. The Company believes that the factors most responsible, in varying and continually changing degrees, for favorable or unfavorable reserve developments include, as to many Specialty Insurance coverages, the effect of reserve discounts applicable to workers' compensation claims, changes in severity of litigated claims, governmental or judicially imposed retroactive conditions in the settlement of claims such as noted below in regard to black lung disease claims, changes in inflation rates applicable to repairs and the medical portion of claims, and changes in the emergence of claims incurred but not reported patterns, in particular with certain types of claims such as those stemming from litigated, assumed reinsurance, or A&E claims. The favorable development experienced by Specialty Insurance came predominantly from the workers’ compensation and to a lesser extent, commercial auto and property lines of coverage, partially offset by unfavorable development from the general liability and financial indemnity lines of coverage. All accident years between 2011-2020 developed favorably, with more recent years experiencing some unfavorable development. Favorable development experienced by Title Insurance occurred largely within the 2018-2021 years. In 2023, the favorable development experienced by Specialty Insurance came predominantly from the 2010-2022 accident years, driven by workers’ compensation and to a lesser extent, commercial auto lines of coverage, partially offset by unfavorable development from the general liability line of coverage. Favorable development experienced by Title Insurance occurred largely within the 2019-2021 years. Federal Black Lung Regulations The Federal Department of Labor revised the Federal Black Lung Program regulations in both 2001 and 2010. The revisions reflect more lenient standards that can potentially benefit claimants. Claims filed or refiled pursuant to these revised regulations initially increased immediately following the passing of both sets of regulations but have been gradually decreasing since. The majority of pending claims against Old Republic pertain to business underwritten through loss sharing programs that permit the charge of additional or refund of return premiums to wholly or partially offset changes in estimated claim costs, or to business underwritten as a service carrier on behalf of various industry-wide involuntary market (i.e. assigned risk) pools. A smaller portion pertains to business produced on a traditional risk transfer basis. The Company has established applicable reserves for claims as they have been reported and for claims not yet reported on the basis of its historical experience. A&E Reserves At December 31, 2024 and 2023, Old Republic's aggregate loss and loss adjustment expense reserves specifically identified with A&E exposures amounted to approximately $167.6 and $130.6 gross, respectively, and $106.5 and $87.5 net of reinsurance, respectively. Old Republic's reserve estimates also include provisions for indemnity and settlement costs for various A&E claims that have been filed in the normal course of business against a number of its insurance subsidiaries. Many such claims relate to policies incepting prior to 1985, including those issued during a short period between 1981 and 1982 pursuant to an agency agreement canceled in 1982. Over the years, the Company's property and casualty insurance subsidiaries have typically issued general liability insurance policies with face amounts ranging between $1.0 and $2.0 and rarely exceeding $10.0. Such policies have, in turn, been subject to reinsurance cessions which have typically reduced the subsidiaries' net retentions to $0.5 or less as to each claim. Old Republic's exposure to A&E claims cannot, however, be calculated by conventional insurance reserving methods for a variety of reasons, including: a) the absence of statistically valid data because such claims generally involve long reporting delays and very often uncertainty as to the number and identity of insureds against whom such claims have arisen or will arise; and b) the litigation history of such or similar claims. Inconsistent court decisions stem from such questions as: when an alleged loss occurred, which policies provide coverage, how a loss is to be allocated among potentially responsible insureds and/or their insurance carriers, how policy coverage exclusions are to be interpreted, what types of environmental impairment or toxic tort claims are covered, when the insurer's duty to defend is triggered, how policy limits are to be calculated, and whether clean-up costs constitute property damage. Over time, the Executive Branch and/or the Congress of the United States have proposed or considered changes in the legislation and rules affecting the determination of liability for A&E claims. As of December 31, 2024, however, there is no solid evidence to suggest that possible future changes might mitigate or reduce some or all of these claim exposures. Because of the above issues and uncertainties, estimation of reserves for losses and allocated loss adjustment expenses for A&E claims is much more difficult to quantify with a high degree of precision. Accordingly, no representation can be made that the Company's reserves for such claims and related costs will not prove to be overstated or understated in the future. In 2024, the Company responded to industry severity trends by considerably increasing A&E reserves (reported in general liability) on both a gross and a net basis. Based on average annual claims payments during the five most recent calendar years, such reserves represented a paid loss survival ratio of 8.3 years (gross) and 8.4 years (net of reinsurance) as of December 31, 2024, and 6.6 years (gross) and 7.4 years (net of reinsurance) as of December 31, 2023. Fluctuations in this ratio between years can be caused by the inconsistent pay-out patterns associated with these types of claims. For the five years ended December 31, 2024, incurred A&E claim and related loss settlement costs have averaged 0.7% of average annual Specialty Insurance loss and loss adjustment expenses. The following represents the Company's incurred and paid loss development tables for the major types of insurance coverages as of December 31, 2024. The information about incurred and paid claims development for the years ended December 31, 2014 to 2022 is presented as supplementary information. Workers' Compensation Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted) As of December 31, 2024 Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses Cumulative Number of Reported Losses* For the Years Ended December 31, Accident Supplementary Information (Unaudited) Year 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2015 $ 794.3 $ 792.6 $ 787.3 $ 785.5 $ 769.1 $ 742.4 $ 695.8 $ 659.8 $ 622.3 $ 601.1 $ 56.0 55,251 2016 756.1 752.9 745.7 730.5 712.6 692.8 624.2 584.9 557.6 65.5 52,506 2017 727.0 713.9 700.3 683.4 676.3 654.2 609.3 578.8 71.0 51,806 2018 698.6 691.5 681.0 665.9 644.8 605.4 562.3 98.4 52,409 2019 664.6 657.4 653.2 667.5 658.8 634.4 119.4 51,939 2020 560.9 569.4 571.7 574.7 581.0 132.8 45,937 2021 500.3 502.4 493.8 486.4 126.5 46,678 2022 488.1 487.4 493.4 138.6 47,205 2023 491.7 498.5 191.5 46,735 2024 495.3 274.1 36,224 Total $ 5,489.2 (A) * Reported losses are accumulated on an individual claimant basis and exclude external reinsurance assumed and participation in residual market pools as claim frequency information is not available. Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance For the Years Ended December 31, Accident Supplementary Information (Unaudited) Year 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2015 $ 109.0 $ 274.9 $ 379.3 $ 435.1 $ 466.7 $ 484.7 $ 499.8 $ 507.3 $ 512.7 $ 515.9 2016 102.5 253.5 334.4 383.5 408.4 425.2 435.8 442.5 448.9 2017 99.6 244.6 334.8 383.1 414.3 444.1 453.5 463.6 2018 94.8 240.6 320.5 367.2 396.8 416.0 426.4 2019 102.9 239.8 329.6 382.3 412.2 441.4 2020 84.3 211.6 284.3 329.7 363.7 2021 80.1 187.8 252.9 289.3 2022 74.2 188.2 256.1 2023 75.5 197.2 2024 84.8 Total $ 3,487.8 (B) Net incurred loss and allocated loss adjustment expenses (A) $ 5,489.2 Less: net paid loss and allocated loss adjustment expenses (B) 3,487.8 Subtotal 2,001.3 All outstanding liabilities before 2015, net of reinsurance 774.9 Liabilities for loss and allocated loss adjustment expenses, net of reinsurance $ 2,776.3 Commercial Auto Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance As of December 31, 2024 Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses Cumulative Number of Reported Losses* For the Years Ended December 31, Accident Supplementary Information (Unaudited) Year 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2015 $ 712.4 $ 710.5 $ 729.7 $ 721.4 $ 720.7 $ 703.4 $ 700.6 $ 699.9 $ 699.5 $ 699.3 $ 1.0 104,832 2016 755.9 768.9 786.0 780.8 779.3 762.1 754.9 752.9 752.7 3.3 110,773 2017 788.7 819.1 869.2 874.4 867.9 847.1 843.0 837.5 3.8 117,666 2018 883.2 947.9 989.9 992.1 976.1 971.3 967.9 13.9 129,379 2019 931.1 959.7 954.8 947.4 942.0 943.4 16.1 138,817 2020 941.1 913.7 854.0 845.5 820.4 37.5 118,255 2021 989.4 954.6 935.3 931.1 62.3 126,584 2022 1,074.2 1,044.5 1,021.2 78.0 127,282 2023 1,204.1 1,225.5 98.7 130,069 2024 1,367.9 7.4 110,870 $ 9,567.2 (A) * Reported losses are accumulated on an individual claimant basis and exclude external reinsurance assumed and participation in residual market pools as claim frequency information is not available. Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance For the Years Ended December 31, Accident Supplementary Information (Unaudited) Year 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2015 $ 265.1 $ 438.9 $ 541.8 $ 626.2 $ 669.7 $ 680.6 $ 687.3 $ 693.0 $ 695.4 $ 696.7 2016 290.2 469.6 585.1 677.8 710.8 725.5 737.3 742.7 747.1 2017 307.9 512.0 657.1 746.5 791.2 814.1 826.9 832.7 2018 330.0 557.5 730.4 836.7 900.0 924.1 941.8 2019 330.4 549.0 681.6 787.2 875.3 906.8 2020 290.1 464.3 602.2 692.7 745.5 2021 302.7 508.6 662.9 778.6 2022 354.8 606.8 761.9 2023 424.4 706.6 2024 463.9 $ 7,582.0 (B) Net incurred loss and allocated loss adjustment expenses (A) $ 9,567.2 Less: net paid loss and allocated loss adjustment expenses (B) 7,582.0 Subtotal 1,985.2 All outstanding liabilities before 2015, net of reinsurance 7.9 Liabilities for loss and allocated loss adjustment expenses, net of reinsurance $ 1,993.2 General Liability Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance As of December 31, 2024 Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses Cumulative Number of Reported Losses* For the Years Ended December 31, Accident Supplementary Information (Unaudited) Year 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2015 $ 96.0 $ 96.3 $ 99.2 $ 102.3 $ 104.8 $ 105.8 $ 99.8 $ 99.2 $ 99.0 $ 100.2 $ 12.5 5,191 2016 92.4 96.7 98.8 100.3 101.0 104.4 98.8 95.9 92.9 11.6 82,877 2017 111.2 121.4 129.6 132.8 135.2 138.0 143.9 146.4 16.7 459,840 2018 120.5 119.7 125.1 135.5 141.9 152.0 148.9 22.8 460,877 2019 133.5 131.9 138.7 146.0 146.9 147.1 31.1 375,121 2020 112.4 111.7 114.9 116.1 121.1 42.8 5,221 2021 94.2 92.7 99.0 111.6 31.9 4,890 2022 97.8 100.7 110.4 36.4 4,733 2023 132.6 138.7 66.4 18,353 2024 201.3 140.8 11,814 $ 1,319.0 (A) * Reported losses are accumulated on an individual claimant basis and exclude external reinsurance assumed and participation in residual market pools as loss frequency information is not available. The increases beginning in 2016 are due to the addition of a national account with higher frequency yet lower severity than the existing book of business for accident years 2016 through 2019. Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance For the Years Ended December 31, Accident Supplementary Information (Unaudited) Year 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2015 $ 6.3 $ 16.0 $ 29.5 $ 47.4 $ 64.5 $ 70.7 $ 75.0 $ 79.9 $ 82.5 $ 84.3 2016 7.1 18.5 34.8 47.7 58.0 66.9 71.9 75.1 77.7 2017 5.7 25.9 50.1 76.9 95.5 105.3 113.2 120.3 2018 6.9 28.8 48.9 71.0 91.0 102.0 113.8 2019 6.4 29.5 53.4 72.1 87.8 102.0 2020 4.2 12.4 28.5 45.0 66.2 2021 5.6 14.7 30.9 50.7 2022 6.4 22.2 39.4 2023 3.9 22.3 2024 6.4 $ 683.6 (B) Net incurred loss and allocated loss adjustment expenses (A) $ 1,319.0 Less: net paid loss and allocated loss adjustment expenses (B) 683.6 Subtotal 635.3 All outstanding liabilities before 2015, net of reinsurance 181.6 Liabilities for loss and allocated loss adjustment expenses, net of reinsurance $ 817.0 Financial Indemnity Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance As of December 31, 2024 Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses Cumulative Number of Reported Losses* For the Years Ended December 31, Accident Supplementary Information (Unaudited) Year 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2015 $ 73.4 $ 68.2 $ 64.8 $ 63.7 $ 63.1 $ 62.8 $ 64.7 $ 71.6 $ 67.6 $ 67.2 $ 3.7 7,180 2016 75.4 77.4 75.0 74.5 73.8 72.9 68.2 67.9 67.9 5.5 8,706 2017 100.4 103.9 102.2 101.1 100.9 95.7 94.8 94.9 11.4 14,322 2018 120.8 112.7 113.3 124.2 161.6 161.4 161.5 19.1 19,705 2019 149.5 139.7 135.1 193.5 191.9 193.3 14.0 20,857 2020 156.9 153.1 148.2 146.1 144.0 46.2 14,578 2021 177.8 170.0 169.1 177.6 84.6 6,374 2022 182.2 184.4 196.9 91.4 3,967 2023 173.6 197.5 109.3 5,164 2024 158.0 128.2 5,016 $ 1,459.1 (A) * Reported losses are accumulated on an individual claimant basis and exclude external reinsurance assumed and participation in residual market pools as claim frequency information is not available. Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance For the Years Ended December 31, Accident Supplementary Information (Unaudited) Year 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2015 $ 17.3 $ 29.2 $ 44.8 $ 47.0 $ 58.2 $ 58.2 $ 58.4 $ 63.6 $ 63.5 $ 63.5 2016 23.2 39.5 44.4 51.9 56.0 56.3 56.2 62.3 62.2 2017 38.1 62.2 63.4 65.9 76.2 76.6 76.7 82.8 2018 42.5 66.3 82.9 94.2 110.3 124.2 135.5 2019 46.4 74.2 84.8 115.4 138.1 159.0 2020 31.2 45.7 48.2 64.2 70.2 2021 14.4 24.7 31.0 51.2 2022 8.3 27.8 52.3 2023 15.7 44.9 2024 20.1 $ 742.1 (B) Net incurred loss and allocated loss adjustment expenses (A) $ 1,459.1 Less: net paid loss and allocated loss adjustment expenses (B) 742.1 Subtotal 717.0 All outstanding liabilities before 2015, net of reinsurance (1.7) Liabilities for loss and allocated loss adjustment expenses, net of reinsurance $ 715.2 The following represents a reconciliation of the incurred and paid loss development tables to total loss and loss adjustment expense reserves as reported in the consolidated balance sheets. December 31, 2024 2023 Net loss and allocated loss adjustment expense reserves: Workers' compensation (a) $ 2,604.5 $ 2,725.3 Commercial auto 1,993.2 1,808.4 General liability 817.0 705.5 Financial indemnity 715.2 652.7 Other short-duration insurance coverages 903.2 759.8 Subtotal 7,033.3 6,651.9 Reinsurance recoverable on loss reserves: Workers' compensation 2,048.4 1,998.2 Commercial auto 2,295.3 1,684.4 General liability 946.5 813.2 Financial indemnity 211.4 221.0 Other short-duration insurance coverages 302.9 256.9 Subtotal 5,804.7 4,973.6 Insurance coverages other than short-duration (b) 539.6 566.4 Unallocated loss adjustment expense reserves (c) 350.0 346.1 889.6 912.6 Gross loss and loss adjustment expense reserves $ 13,727.7 $ 12,538.2 __________ (a) Certain long-term disability type workers' compensation reserves are discounted to present value based on interest rates typically ranging from 3.0% to 3.5%. The amount of discount reflected in the year-end net reserves totaled $171.8 and $179.9 as of December 31, 2024 and 2023, respectively. Interest accretion of $29.2, $25.6, and $9.6 for the years ended December 31, 2024, 2023, and 2022, respectively, was recognized as unfavorable development of prior year reserves within loss and loss adjustment expenses in the consolidated statements of income. (b) RFIG Run-off loss reserves of $53.6 were classified as held-for-sale as of December 31, 2023. See Note 2 for further discussion. (c) RFIG Run-off unallocated loss adjustment expense reserves of $1.2 were classified as held-for-sale as of December 31, 2023. See Note 2 for further discussion. The table below is supplementary information and presents the historical average annual percentage payout of incurred losses by age, net of reinsurance. Supplementary Information (Unaudited) Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Workers' compensation 16.5 % 24.3 % 14.4 % 8.3 % 5.2 % 3.8 % 2.0 % 1.4 % 1.0 % 0.5 % Commercial auto 35.4 % 23.4 % 16.0 % 11.5 % 6.4 % 2.4 % 1.5 % 0.7 % 0.5 % 0.2 % General liability 4.7 % 12.1 % 15.1 % 15.6 % 13.7 % 7.9 % 5.8 % 4.4 % 2.7 % 1.8 % Financial indemnity 20.5 % 15.2 % 8.2 % 8.9 % 9.9 % 4.0 % 1.8 % 7.7 % (0.1) % — %

Reinsurance and Retention Limit

Reinsurance and Retention Limits	12 Months Ended
	Dec. 31, 2024
Reinsurance and Retention Limits [Abstract]
Reinsurance and Retention Limits [Text Block]	Reinsurance and Retention Limits In order to maintain premium production within its capacity and limit maximum losses for which it might become liable under its policies, Old Republic, as is common practice in the insurance industry, may cede a portion or all of its premiums and related liabilities on certain classes of insurance, individual policies, or blocks of business to other insurers and reinsurers. Although the ceding of insurance does not ordinarily discharge an insurer from its direct liability to a policyholder, it is industry practice to establish the reinsured part of risks as the liability of the reinsurer. Old Republic also employs retrospective premium and a large variety of risk-sharing procedures and arrangements for parts of its business in order to reduce underwriting losses for which it might become liable under insurance policies it issues. To the extent that any reinsurance companies, retrospective related risks, or producers might be unable to meet their obligations under existing reinsurance, retrospective insurance and production agreements, Old Republic would be liable for the defaulted amounts. The Company generally protects itself by withholding funds, securing indemnity agreements, obtaining surety bonds, or otherwise collateralizing such obligations through irrevocable letters of credit, cash, or securities. Except as noted in the following paragraph, reinsurance protection on property and liability coverages generally limits the net loss from any one event to a maximum of: $5.2 for workers' compensation; $7.9 for commercial auto liability; $7.9 for general liability; $14.8 for directors & officers (D&O); $2.2 for aviation; and $23.1 for property coverages. Title insurance risk assumptions are generally limited to a maximum of $500.0 as to any one policy. The vast majority of title policies issued, however, carry exposures of less than $1.0. The Company maintains treaty and facultative reinsurance coverage for its workers' compensation exposures. Pursuant to regulatory requirements, however, all workers' compensation primary insurers such as the Company remain liable for unlimited amounts in excess of reinsured limits. Other than the substantial concentration of workers' compensation losses caused by the September 11, 2001 terrorist attack on America, to the best of the Company's knowledge there had not been a similar accumulation of claims in a single location from a single occurrence prior to that event. Nevertheless, the possibility continues to exist that non-reinsured losses could, depending on a wide range of severity and frequency assumptions, aggregate several hundred million dollars to an insurer such as the Company. Such aggregation of losses could occur in the event of a catastrophe such as an earthquake that could lead to the death or injury of a large number of persons concentrated in a single facility such as a high-rise building. As a result of the September 11, 2001 terrorist attack on America, the reinsurance industry eliminated coverage from substantially all contracts for claims arising from acts of terrorism. Primary insurers like the Company therefore became fully exposed to such claims. The Terrorism Risk Insurance Act (TRIA), the Terrorism Risk Insurance Revision and Extension Act (TRIREA), and the Terrorism Risk Insurance Program Reauthorization Act of 2019 (TRIPRA) were subsequently placed into law and serve as a federal reinsurance program administered by the Secretary of the Treasury. This legislation requires primary insurers to offer coverage for certified acts of terrorism under most commercial property and casualty insurance policies (excluding such coverages as commercial auto, burglary and theft, professional liability, and farm owners multi-peril insurance) and also provides for temporary reinsurance protection through December 31, 2027. Although insurers are permitted to charge an additional premium for terrorism coverage, insureds may reject the coverage. The program's protection is not triggered for losses arising from an act of terrorism until the industry first suffers losses in excess of a prescribed aggregate deductible during any one year. The program deductible trigger was $200.0 for 2024. Once the program trigger is met, the program will be responsible for a fixed percentage of the Company's terrorism losses that exceed its deductible. The Company's deductible amounts to 20% of direct earned premium on eligible property and casualty insurance coverages. The Company currently reinsures limits on a treaty basis of $195.0 in excess of $5.0 for claims arising from certain acts of terrorism for casualty clash and catastrophe workers' compensation liability insurance coverages. The Company also purchases facultative reinsurance on certain accounts in excess of $200.0 to manage the Company's net exposure. Reinsurance ceded by the Company's insurance subsidiaries in the ordinary course of business is typically placed on an excess of loss basis. Under excess of loss reinsurance agreements, the companies are generally reimbursed for losses exceeding contractually agreed-upon levels. Quota share reinsurance is most often effected between the Company's insurance subsidiaries and industry-wide assigned risk plans or captive insurers owned by insureds. Under quota share reinsurance, the Company remits to the assuming entity an agreed-upon percentage of premiums written and is reimbursed for underwriting expenses and proportionately related claims costs. Reinsurance recoverable asset balances represent amounts due from or credited by assuming reinsurers for paid and unpaid loss and unearned premium and policy reserves. Such reinsurance balances are recoverable from nonadmitted foreign and certain other reinsurers, such as captive insurance companies owned by insureds or business producers, as well as similar balances or credits arising from policies that are retrospectively rated or subject to insureds' high deductible retentions that are substantially collateralized by irrevocable letters of credit, securities, and other financial instruments. Old Republic evaluates on a regular basis the financial condition of its assuming reinsurers and insureds who purchase its retrospectively rated or high deductible policies. Estimates of credit losses are included in the Company's net loss and loss adjustment expense reserves since reinsurance, retrospectively rated, and self-insured deductible policies and contracts do not relieve Old Republic from its direct obligations to insureds or their beneficiaries. See Note 10 for further discussion. At December 31, 2024, the Specialty Insurance segment's ten largest reinsurers represented approximately 64% of the total consolidated reinsurance recoverable on paid and unpaid losses, with Day One Insurance, Inc. the largest reinsurer, representing 24.6% of the total recoverable balance. Of the balances due from these ten reinsurers, 38.6% was recoverable from domestic unrated companies, 32.3% from A or better rated reinsurance companies, 25.6% from foreign unrated companies, and 3.5% from industry-wide insurance assigned risk pools. The following information relates to reinsurance and related data for the Specialty Insurance segment for the three years ended December 31, 2024. Reinsurance transactions of the Title Insurance segment and the small life and accident insurance operation are not material. Years Ended December 31: 2024 2023 2022 Specialty Insurance Written premiums: Direct $ 7,706.9 $ 6,776.4 $ 6,263.3 Assumed 106.8 96.6 90.0 Ceded $ 2,783.2 $ 2,516.7 $ 2,375.1 Earned premiums: Direct $ 7,221.8 $ 6,513.2 $ 6,021.0 Assumed 108.0 94.7 87.1 Ceded $ 2,652.8 $ 2,488.6 $ 2,299.5 Losses ceded $ 2,585.1 $ 1,795.9 $ 1,677.3

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The provision for combined current and deferred income taxes (credits) reflected in the consolidated statements of income may not bear the usual relationship to income before income taxes (credits) as the result of permanent and other differences between pretax income or loss and taxable income or loss determined under existing tax regulations. The more significant differences, their effect on the statutory income tax rate (credit), and the resulting effective income tax rates (credits) are summarized below: Years Ended December 31: 2024 2023 2022 Statutory tax rate 21.0 % 21.0 % 21.0 % Tax rate increases (decreases): Tax-exempt interest (0.2) (0.4) (0.3) Dividends received exclusion (0.6) (1.0) (1.3) Meals and entertainment 0.3 0.3 0.2 Equity compensation (0.2) (0.1) 0.2 Other items - net — 0.1 0.1 Effective tax rate 20.3 % 19.9 % 19.9 % The tax effects of temporary differences that give rise to significant portions of the Company's net deferred tax assets (liabilities) are as follows at the dates shown: December 31: 2024 2023 2022 Deferred Tax Assets: Loss and loss adjustment expense reserves $ 210.8 $ 214.9 $ 218.6 Pension and deferred compensation plans 18.9 23.8 22.6 Realized loss from sale of mortgage insurance business — 9.5 — Net operating loss carryforward 3.4 5.5 7.6 AMT credit carryforward 9.0 9.0 9.0 Operating leases 42.9 46.4 46.7 Other temporary differences 28.0 16.3 17.1 Total deferred tax assets 313.0 325.4 321.6 Deferred Tax Liabilities: Unearned premium reserves 23.9 46.3 63.3 Deferred policy acquisition costs 110.4 82.8 76.0 Amortization of fixed income securities 24.5 14.6 6.8 Net unrealized investment gains 219.1 214.4 141.3 Title plants and records 2.8 2.8 2.8 Tax reform transition adjustment on loss and loss adjustment expense reserves 3.2 6.7 10.3 Operating leases 37.7 40.9 41.9 Other temporary differences 20.5 22.5 20.1 Total deferred tax liabilities 442.1 431.0 362.5 Net deferred tax liabilities (a) $ (129.1) $ (105.6) $ (40.9) __________ (a) RFIG Run-off deferred tax assets of $0.3 and deferred tax liabilities of $0.1 were reclassified as held-for-sale as of December 31, 2023. See Note 2 for further discussion. At December 31, 2024, the Company had an available net operating loss (NOL) carryforward of $16.6 which will expire in years 2025 through 2029, and a $9.0 alternative minimum tax (AMT) credit carryforward. The NOL carryforward is subject to the limitations set by Section 382 of the Internal Revenue Code and is available to reduce future years' taxable income by a maximum of $9.8 each year until expiration. In valuing the deferred tax assets, the Company considered certain factors including primarily the scheduled reversals of certain deferred tax liabilities, estimates of future taxable income, the impact of available carryback and carryforward periods, as well as the availability of certain tax planning strategies. The Company estimates that all gross deferred tax assets at year-end 2024 will more likely than not be fully realized. Tax positions taken or expected to be taken in a tax return by the Company are recognized in the financial statements when it is more likely than not that the position would be sustained upon examination by tax authorities. To the best of management's knowledge there are no tax uncertainties that are expected to result in significant increases or decreases to unrecognized tax benefits within the next twelve month period. The Company views its income tax exposures as primarily consisting of timing differences whereby the ultimate deductibility of a taxable amount is highly certain but the timing of its deductibility is uncertain. Such differences relate principally to the timing of deductions for loss and unearned premium reserves. As in prior examinations, the Internal Revenue Service (IRS) could assert that loss reserve deductions were overstated thereby reducing the Company's statutory taxable income in any particular year. The Company believes that it establishes its reserves fairly and consistently at each balance sheet date, and that it would succeed in defending its tax position in these regards. Because of the impact of deferred tax accounting, the possible accelerated payment of tax to the IRS would not necessarily affect the annual effective tax rate. The Company classifies interest and penalties as income tax expense in the consolidated statements of income. The Company is not currently under audit by the IRS and 2021 and subsequent tax years remain open. The Inflation Reduction Act (IRA) was enacted into law on August 16, 2022, which, among its many elements, imposes a Corporate Alternative Minimum Tax (CAMT) on the adjusted financial statement income at the rate of 15% for tax periods beginning on or after January 1, 2023. The Company, as a member of a controlled group, has determined it is subject to the CAMT calculations for the year ended December 31, 2024. However, the Company expects to be a regular taxpayer and not a CAMT taxpayer. A Federal Excise Tax (FET) was enacted at the rate of 1% on all corporate stock buybacks effective January 1, 2023. The Company is subject to the FET, and an immaterial amount of excise tax incurred on stock repurchases has been recognized as part of the cost basis of the treasury stock acquired. The Organization for Economic Co-operation and Development (OECD) released Pillar Two Model Rules ("Pillar 2"), a framework to implement a global minimum corporate tax of 15% for multinational companies with global revenues and profits above certain thresholds, effective beginning January 1, 2024. While it is uncertain whether the United States will enact legislation to adopt Pillar 2, Canada, in which the Company operates, adopted legislation effective January 1, 2024. The Company performed an analysis of the Canadian legislation and determined it does not have a Pillar 2 obligation in Canada as of December 31, 2024, and will continue to monitor future implications of the framework, which are not expected to be material to the Company.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2024
Compensation Related Costs [Abstract]
Employee Benefit Plans	Employee Benefit Plans Pension Benefits The funded status of the Company's pension plan is reflected below. Years Ended December 31: 2024 2023 2022 Projected benefit obligation at beginning of year $ 456.4 $ 452.8 $ 604.6 Increases (decreases) during the year attributable to: Interest cost 22.5 23.4 16.4 Actuarial (gains) losses (18.7) 10.9 (138.7) Benefits paid (32.1) (30.7) (29.5) Net increase (decrease) for the year (28.2) 3.6 (151.8) Projected benefit obligation at end of year $ 428.2 $ 456.4 $ 452.8 Years Ended December 31: 2024 2023 2022 Fair value of net assets available for plan benefits At beginning of the year $ 520.6 $ 507.1 $ 556.0 Increases (decreases) during the year attributable to: Actual return on plan assets 30.7 44.2 (19.2) Benefits paid (32.1) (30.7) (29.5) Net increase (decrease) for year (1.3) 13.4 (48.8) Fair value of net assets available for plan benefits At end of the year $ 519.2 $ 520.6 $ 507.1 Funded status $ 91.0 $ 64.1 $ 54.3 Amounts recognized in accumulated other comprehensive income $ (5.9) $ (27.8) $ (38.5) Funding of the Plan is dependent on a number of factors including actual performance versus actuarial assumptions made at the time of the actuarial valuation, as well as the maintenance of certain funding levels relative to regulatory requirements. The Company currently does not expect to make cash contributions in calendar year 2025 based on minimum funding requirements. Net periodic pension expense (income) recognized during 2024, 2023, and 2022 was $(5.0), $0.9, and $(18.3), respectively. The projected benefit obligation and net periodic benefit cost for the Plan were determined using the following weighted-average assumptions: Projected Benefit Obligation Net Periodic Benefit Cost As of December 31: 2024 2023 2024 2023 2022 Settlement discount rates 5.65 % 5.15 % 5.15 % 5.40 % 2.80 % Long-term rates of return on plan assets N/A N/A 5.50 % 4.60 % 7.00 % The assumed settlement discount rates were determined by matching the current estimate of the Plan's projected cash outflows against spot rate yields on a portfolio of high quality bonds as of the measurement date. To develop the expected long-term rate of return on assets assumption, historical returns, future return expectations for each asset class, as well as the target asset allocation of the pension portfolio were considered. The investment policy of the Plan takes into account the matching of assets and liabilities, appropriate risk aversion, liquidity needs, the preservation of capital, and the attainment of modest growth. The weighted-average asset allocations of the Plan were as follows: Current Investment Policy Asset Allocation % Range Target As of December 31: 2024 2023 Equity securities: Common shares of Company stock 19.7 % 16.0 % 0% to 25% Fixed income securities 72.9 78.1 75% to 100% Other 7.4 5.9 1% to 10% Total 100.0 % 100.0 % Quoted values and other data provided by the respective investment custodians are used as inputs for determining fair value of the Plan's fixed income and equity securities. The custodians are understood to obtain market quotations and actual transaction prices for securities that have quoted prices in active markets and use their own proprietary method for determining the fair value of securities that are not actively traded. In general, these methods involve the use of "matrix pricing" in which the investment custodian uses observable market inputs, including, but not limited to, investment yields, credit risks and spreads, benchmarking of like securities, broker-dealer quotes, reported trades and sector groupings to determine a reasonable fair value. The following tables present a summary of the Plan's assets segregated among the various input levels described in Note 3. Fair Value Measurements As of December 31, 2024: Level 1 Level 2 Level 3 Total Equity securities: Company stock $ 102.3 $ — $ — $ 102.3 Fixed income securities 2.9 375.7 — 378.6 Other 22.7 — 7.2 29.9 Total at fair value $ 128.1 $ 375.7 $ 7.2 511.0 Securities at net asset value 8.1 Total $ 519.2 As of December 31, 2023: Equity securities: Company stock $ 83.1 $ — $ — $ 83.1 Fixed income securities 3.7 402.7 — 406.5 Other 17.0 — 7.3 24.3 Total at fair value $ 103.9 $ 402.7 $ 7.3 514.0 Securities at net asset value 6.5 Total $ 520.6 Level 1 assets include U.S. Treasury notes, publicly traded common stocks, mutual funds, and short-term investments. Level 2 assets generally include corporate and government agency bonds. Level 3 assets primarily consist of an immediate participation guaranteed fund. The following table presents a summary of the benefits expected to be paid as of December 31, 2024 for the next 10 years: 2025 2026 2027 2028 2029 2030 and after December 31, 2024 $ 34.5 $ 35.4 $ 34.8 $ 34.7 $ 34.8 $ 167.7 Stock-Based Compensation As periodically amended, the Company has had a stock-based incentive compensation plan in effect for certain eligible employees since 1978. Stock-based compensation is currently awarded under the 2022 Incentive Compensation Plan (the 2022 Plan) which was adopted following approval by shareholders on May 26, 2022, thereby replacing the 2016 Incentive Compensation Plan (the 2016 Plan). Under the 2022 Plan, a total of 20.0 million new shares, plus the approximately 4.7 million shares that remained available for issuance under the 2016 Plan, became available for future awards through February 2032. The maximum number of shares available as of December 31, 2024 for future issuance under the 2022 Plan was approximately 15.3 million shares. The following table presents the stock-based compensation expense and income tax benefit recognized in the financial statements: Years Ended December 31: 2024 2023 2022 Stock-based compensation expense $ 33.2 $ 19.5 $ 9.0 Income tax benefit $ 6.9 $ 4.1 $ 1.8 As of December 31, 2024, there was $40.7 of total unrecognized compensation cost related to nonvested stock-based compensation arrangements. That cost is expected to be recognized over a weighted average period of approximately three Stock Options Stock options granted have an exercise price equal to the closing market price of the Company's common stock on the date of grant. All grants have a 10-year term. Options granted under the 2022 Plan vest ratably over three years at each anniversary date. Options granted under the 2016 and prior plans vest as follows: 10% as of December 31 of the year of the grant and, cumulatively, an additional 15%, 20%, 25%, and 30% on and after the second through fifth calendar years, respectively. The following table presents the key assumptions used to value the option awards granted during the periods presented. Expected volatilities are based on the historical experience of Old Republic's common stock. The expected term of stock options represents the period of time that stock options granted are assumed to be outstanding. The Company uses historical data to estimate the effect of stock option exercise and employee departure behavior; groups of employees that have similar historical behavior are considered separately for valuation purposes. The risk-free rate of return for periods within the contractual term of the share option is based on the U.S. Treasury rate in effect at the time of the grant. 2024 2023 2022 Expected volatility 0.23 0.23 0.22 Expected dividends 4.55 % 4.66 % 4.32 % Expected term (in years) 7 6 6 Risk-free rate 4.15 % 3.69 % 2.68 % A summary of stock option activity under the 2022 and 2016 Incentive Plans as of December 31, 2024, 2023, and 2022, and changes in outstanding options during the years then ended is presented below: 2024 2023 2022 Shares Weighted Shares Weighted Shares Weighted Outstanding at beginning of year 10,870,214 $ 22.10 9,619,004 $ 20.68 8,344,470 $ 19.57 Granted 1,320,179 29.31 2,990,000 25.22 2,660,000 23.28 Exercised 1,951,544 20.91 1,694,106 19.49 1,285,783 18.94 Forfeited and expired 142,537 24.20 44,684 22.04 99,683 19.78 Outstanding at end of year 10,096,312 23.25 10,870,214 22.10 9,619,004 20.68 Exercisable at end of year 5,538,335 $ 21.32 4,790,571 $ 20.31 4,562,063 $ 19.53 Weighted average fair value of options granted during the year (a) $ 4.89 per share $ 3.76 per share $ 3.31 per share __________ (a) Based on the Black-Scholes-Merton option pricing model and the assumptions outlined above. A summary of stock options outstanding and exercisable at December 31, 2024 follows: Options Outstanding Options Exercisable Weighted Average Weighted Exercise Prices Year of Grant Number Remaining Exercise Number $15.26 2015 54,349 0.25 $ 15.26 54,349 $ 15.26 $18.14 2016 161,189 1.25 18.14 161,189 18.14 $19.98 2017 276,998 2.25 19.98 276,998 19.98 $20.98 2018 409,116 3.25 20.98 409,116 20.98 $21.12 to $21.99 2019 610,658 4.25 21.18 610,658 21.18 $16.17 to $22.72 2020 1,018,192 5.25 17.44 1,001,692 17.35 $21.30 2021 1,543,138 6.25 21.30 1,069,002 21.30 $22.92 to $24.49 2022 2,056,146 7.25 23.35 1,202,114 23.39 $24.31 to $25.52 2023 2,682,247 8.25 25.21 753,217 25.22 $29.29 to $29.32 2024 1,284,279 9.25 29.31 — — Total 10,096,312 $ 23.25 5,538,335 $ 21.32 The cash received from stock option exercises, the total intrinsic value of stock options exercised, and the actual tax benefit realized for the tax deductions from option exercises are as follows: 2024 2023 2022 Cash received from stock option exercise $ 40.8 $ 33.0 $ 24.3 Intrinsic value of stock options exercised 20.6 17.5 7.9 Actual tax benefit realized for tax deductions from stock options exercised $ 4.3 $ 3.6 $ 1.6 Restricted Stock Awards and Restricted Stock Unit Awards The Company has issued restricted stock awards (RSAs) which represent actual shares issued, and restricted stock unit awards (RSUs) which represent an agreement that shares will be issued in the future after satisfying vesting requirements. These awards are granted at market price, and vest ratably over three A summary of RSA and RSU award activity under the 2022 Incentive Plan as of December 31, 2024, 2023, and 2022, and changes in outstanding RSAs and RSUs during the years then ended is presented below: 2024 2023 2022 Weighted Weighted Weighted Average Average Average Grant Date Grant Date Grant Date Awards Fair Value Awards Fair Value Awards Fair Value Nonvested at beginning of year 1,257,116 $ 24.67 659,874 $ 23.70 33,539 $ 21.32 Granted 648,399 29.42 823,907 25.15 644,356 23.76 Vested 494,926 24.53 225,289 23.60 16,901 21.20 Forfeited 41,387 27.02 1,376 25.05 1,120 22.34 Nonvested at end of year 1,369,202 $ 26.89 1,257,116 $ 24.67 659,874 $ 23.70 Performance-Based Restricted Stock Unit Awards The Company issues performance-based restricted stock unit awards (PSUs). The PSUs are rights to receive shares of common stock in the future, which vest, if at all, based on the achievement of specified performance criteria, measured over a three A summary of PSUs activity under the 2022 Incentive Plan as of December 31, 2024 and changes in outstanding PSUs during the year then ended is presented below: 2024 Weighted Average Grant Date Awards Fair Value Nonvested at beginning of year — $ — Granted 633,837 29.31 Vested — — Forfeited 17,639 29.32 Nonvested at end of year 616,198 $ 29.31 Other Benefits The Company has a number of profit sharing and other incentive compensation programs for the benefit of a substantial number of its employees. The costs related to such programs are summarized below: Years Ended December 31: 2024 2023 2022 ORI 401(k) Savings and Profit Sharing Plan $ 58.2 $ 65.8 $ 77.8 Cash, deferred and other incentive compensation $ 77.2 $ 81.2 $ 70.3 Effective December 30, 2022, a profit sharing plan was merged into the Old Republic International Corporation Employees Savings and Stock Ownership Plan (ESSOP) and the merged plan was renamed the ORI 401(k) Savings and Profit Sharing Plan (the ORI 401(k) Plan). A majority of the Company's employees participate in the ORI 401(k) Plan. Annual Company contributions are provided in the form of cash and Old Republic common stock and are based on formulas applied to growth in net income excluding investment gains (losses) and underwriting profitability. In relation to the sale of RMICC (see Note 2), effective August 1, 2024, the profit sharing plan that had historically covered RMICC employees was merged into the ORI 401(k) Plan. The ORI 401(k) Plan is currently leveraged and owns 3,352,553 unallocated shares as of December 31, 2024. Prior to the merger, the ESSOP purchased 2,200,000 shares ($34.0), 2,383,625 shares ($50.0), and 3,337,000 shares ($50.0) of Old Republic common stock during 2015, 2018, and 2020, respectively, all of which was financed by loans from the Company and its participating subsidiaries. As of December 31, 2024, there were 17,994,556 Old Republic common shares owned by the ORI 401(k) Plan, of which 14,642,003 were allocated to employees' account balances. Dividends on unallocated shares are used to pay debt service costs. There are no repurchase obligations in existence. Cash, deferred, and other incentive compensation includes performance recognition compensation. Such amounts are generally determined based on performance metrics including premiums and fees growth, growth in operating earnings, underwriting results, and achieved return on equity in excess of a preset minimum. In March 2023, the Compensation Committee of the Company’s Board of Directors approved the Old Republic International Corporation 2023 Performance Recognition Plan (PRP), replacing the previous Key Employee Performance Recognition Plans, as a means of providing cash incentive compensation to named executive officers and certain other senior managers. The PRP is an objective performance-based program providing for annual payouts based on satisfaction of specified performance objectives and individual performance. During the third quarter of 2023, certain structural changes were made to the previously deferred awards made under the Key Employee Performance Recognition Plans, resulting in a one-time charge of $10.7, reflected within underwriting, acquisition, and other expenses in the consolidated statement of income.

Net Income Per Share

Net Income Per Share	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Net Income Per Share	Net Income Per Share Consolidated basic earnings per share excludes the dilutive effect of common stock equivalents and is computed by dividing net income available to common stockholders by the weighted-average number of common shares actually outstanding for the year. Diluted earnings per share are similarly calculated with the inclusion of dilutive common stock equivalents. The following table provides a reconciliation of net income and the number of shares used in basic and diluted earnings per share calculations. Years Ended December 31: 2024 2023 2022 Numerator: Net Income $ 852.7 $ 598.6 $ 686.4 Denominator: Basic weighted-average shares (a) 258,032,085 282,732,526 301,676,941 Effect of dilutive securities - stock-based compensation awards 4,848,546 2,738,538 1,619,671 Diluted adjusted weighted-average shares (a) 262,880,631 285,471,064 303,296,612 Earnings per share: Basic $ 3.30 $ 2.12 $ 2.28 Diluted $ 3.24 $ 2.10 $ 2.26 Anti-dilutive common stock equivalents excluded from earnings per share computations: Stock-based compensation awards — 2,234,500 2,645,750 __________ (a) In calculating earnings per share, accounting standards require that common shares owned by the ORI 401(k) Plan that are unallocated to participants in the plan be excluded from the calculation. Such shares are issued and outstanding and have the same voting and other rights applicable to all other common shares.

Credit Losses

Credit Losses	12 Months Ended
	Dec. 31, 2024
Credit Loss [Abstract]
Credit Losses	Credit Losses Credit losses on financial assets measured at amortized cost, primarily the Company's reinsurance recoverables and accounts and notes receivable, are recognized based on estimated losses expected to occur over the life of the asset. The expected credit losses, and subsequent adjustment to such losses, are recorded through an allowance account that is deducted from the amortized cost basis of the financial asset, with the net carrying value of the asset presented on the consolidated balance sheets. The Company's credit allowance was comprised of $22.0 and $17.5 related to reinsurance recoverables as of December 31, 2024 and 2023, respectively, and $30.2 and $26.1 related to accounts and notes receivable as of December 31, 2024 and 2023, respectively. No significant changes were made to the allowance during the three years ended December 31, 2024. The Company's evaluation of credit losses on available for sale fixed income securities is disclosed further in Note 3. The Company is not exposed to material concentrations of credit risks as to any one issuer of fixed income securities.

Debt

Debt	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
Debt	Debt Consolidated debt of Old Republic and its subsidiaries is summarized below: Years Ended December 31: 2024 2023 Carrying Fair Carrying Fair 4.875% issued in 2014 and due 2024 $ — $ — $ 399.5 $ 397.0 3.875% issued in 2016 and due 2026 549.0 541.4 548.5 530.4 5.750% issued in 2024 and due 2034 396.2 401.3 — — 3.850% issued in 2021 and due 2051 643.4 458.0 643.1 472.7 Total debt $ 1,588.7 $ 1,400.7 $ 1,591.2 $ 1,400.3 On August 26, 2016, the Company completed a public offering of $550.0 aggregate principal amount of Senior Notes. The notes bear interest at a rate of 3.875% per year and mature on August 26, 2026. On June 11, 2021, the Company completed a public offering of $650.0 aggregate principal amount of Senior Notes. The notes bear interest at a rate of 3.850% per year and mature on June 11, 2051. On March 31, 2024, the Company completed a public offering of $400.0 aggregate principal amount of Senior Notes. The notes bear interest at a rate of 5.750% per year and mature on March 28, 2034. This issuance was completed in anticipation of the $400.0 of 4.875% Senior Notes that matured and were redeemed in cash on October 1, 2024. During 2024, 2023 and 2022, $79.8, $67.2, and $67.3, respectively, of interest expense on debt was charged to consolidated operations. Fair Value Measurements - The Company utilizes indicative market prices, which incorporate recent actual market transactions and current bid/ask quotations to estimate the fair value of outstanding debt classified within Level 2 of the fair value hierarchy as presented below. The Company uses an internally generated interest yield market matrix table, which incorporates maturity, coupon rate, credit quality, structure, and current market conditions to estimate the fair value of its debt securities that are classified within Level 3. The following table shows a summary of financial liabilities disclosed, but not carried, at fair value, segregated among the various input levels as described in Note 3: Carrying Fair Value Value Level 1 Level 2 Level 3 Financial Liabilities: Debt: December 31, 2024 $ 1,588.7 $ 1,400.7 $ — $ 1,400.7 $ — December 31, 2023 $ 1,591.2 $ 1,400.3 $ — $ 1,400.3 $ —

Shareholders' Equity

Shareholders' Equity	12 Months Ended
	Dec. 31, 2024
Shareholders' Equity [Abstract]
Stockholders' Equity	Shareholders' Equity Preferred Stock - At December 31, 2024, there were 75,000,000 shares of preferred stock authorized. The Company has designated one series of preferred stock: 10,000,000 shares of Series A Junior Participating Preferred Stock (Series A). No shares have been issued or are outstanding. The Series A Stock, if and when issued, will pay a dividend of the greater of $1.00 or 100 times (subject to adjustment) the aggregate per share amount (payable in kind) of all non-cash dividends or other distributions, other than a dividend payable in shares of common stock declared on the common stock of the Company. Each share of Series A stock would have 100 votes on each matter submitted to a vote of the shareholders. Common Stock - At December 31, 2024, there were 500,000,000 shares of common stock authorized. At the same date, there were 100,000,000 shares of Class B common stock authorized, though none were issued or outstanding. Class B common shares have the same rights as common shares except for being entitled to 1/10th of a vote per share. Common stock held by the ORI 401(k) Plan is classified as a charge to the common shareholders' equity account until it is allocated to participating employees' accounts contemporaneously with the repayment of the debt incurred for its acquisition. Such unallocated shares are not considered outstanding for purposes of calculating earnings per share. Dividends on unallocated shares are used to pay debt service costs. Common Stock Repurchases - On May 12, 2023, the Board of Directors authorized a $450.0 share repurchase program which was completed during the first quarter of 2024. On March 1, 2024, the Board of Directors authorized a $1.1 billion share repurchase program. Total 2024 share repurchases, inclusive of taxes and fees, under these programs were 29.9 million shares for $951.6 (average price of 31.82). Following the close of the year and through February 19, 2025, the Company repurchased 0.7 million additional shares for $25.5 (average price of $34.57) leaving $205.8 remaining under the current authorization. Cash Dividend Restrictions - The payment of cash dividends by the Company is principally dependent upon the amount of its insurance subsidiaries' statutory policyholders' surplus available for dividend distribution. The insurance subsidiaries' ability to pay cash dividends to the parent company is in turn generally restricted by law or subject to approval of the insurance regulatory authorities. These authorities recognize only statutory accounting practices for determining financial position, results of operations, and the ability of an insurer to pay dividends to its shareholders. Based on year-end 2024 data, the maximum amount of dividends payable to the parent company by its insurance and a small number of non-insurance company subsidiaries during 2025 without the prior approval of appropriate regulatory authorities is approximately $952.2. Ordinary cash dividends declared during 2024, 2023, and 2022 to the parent company by its subsidiaries amounted to $645.7, $673.3, and $614.6, respectively. In addition to ordinary dividends, the Company's principal mortgage insurance subsidiaries, which were sold in 2024 (see Note 2), sought and received approval from the North Carolina Department of Insurance to pay extraordinary dividends amounting to $110.0, and $140.0 during 2023 and 2022, respectively. Cash Dividends - In addition to regular cash dividends, the Company's Board of Directors declared special cash dividends of $2.00 per share in December 2024 (paid on January 15, 2025) and $1.00 per share in August 2022 (paid on September 15, 2022).

Commitment and Contingencies

Commitment and Contingencies	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingent Liabilities	General - In the normal course of business, the Company and its subsidiaries are subject to various contingent liabilities, including, but not limited to, possible income tax assessments resulting from tax law interpretations or issues raised by taxing or regulatory authorities in their regular examinations, catastrophic claim occurrences not indemnified by reinsurers such as noted in Note 6, or failure to collect all amounts on its investments or balances due from insureds and reinsurers. The Company does not have a basis for anticipating any significant losses or costs that could result from any known or existing contingencies. Legal Proceedings - Legal proceedings against the Company and its subsidiaries routinely arise in the normal course of business and usually pertain to claim matters related to insurance policies and contracts issued by its insurance subsidiaries. At December 31, 2024, the Company had no material non-claim litigation exposures in its consolidated business.

Leases

Leases	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Lessor, Operating Leases	Leases Several of the Company's subsidiaries maintain their offices in leased premises. A number of these leases provide for the payment of real estate taxes, insurance, and other operating expenses. In addition, many of the subsidiaries also lease equipment for use in their businesses. Substantially all of the Company's leases are classified as operating leases. The Company presents assets and liabilities related to leases with a term greater than 12 months within other assets and liabilities in the consolidated balance sheets. The established right of use asset and corresponding lease liability was $179.7 and $ 204.0 220.2 In determining the lease liability, future lease payments are discounted at rates determined based on the type of underlying asset and remaining lease term. The weighted average discount rate was 5.80% and 5.49% as of December 31, 2024 and 2023, respectively, with an average remaining lease term of 6.6 years and 6.9 years at December 31, 2024 and 2023, respectively. Total lease costs were $73.4, $76.3, and $76.2 in 2024, 2023, and 2022, respectively. Fixed lease payments for 2024, 2023, and 2022 were $59.0, $60.6, and $64.0, respectively. The following table presents a summary of future undiscounted lease payments as of the dates shown: As of December 31: 2024 2023 Year 1 $ 57.9 $ 58.1 Year 2 45.5 51.0 Year 3 36.0 38.1 Year 4 28.4 29.0 Year 5 20.8 22.0 Thereafter 70.0 82.1 Total 258.8 280.6 Discount 54.7 60.4 Lease Liability $ 204.0 $ 220.2

Consolidated Quarterly Results

Consolidated Quarterly Results - Unaudited	12 Months Ended
	Dec. 31, 2024
Quarterly Financial Information Disclosure [Abstract]
Consolidated Quarterly Results - Unaudited	Consolidated Quarterly Results - Unaudited Old Republic's consolidated quarterly operating results for the two years ended December 31, 2024 and 2023 is presented below. In management's opinion, however, quarterly operating results for insurance enterprises such as the Company are not indicative of results to be achieved in succeeding quarters or years. The long-term nature of the insurance business, seasonal and cyclical factors affecting premium production, the fortuitous nature and, at times, delayed emergence of claims, and changes in yields on invested assets are some of the factors necessitating a review of operating results, changes in shareholders' equity, and cash flows for periods of several years to obtain a proper indicator of performance trends. The information below should be read in conjunction with the "Management Analysis of Financial Position and Results of Operations." In management's opinion, normal recurring adjustments necessary for a fair statement of quarterly results have been reflected in the information which follows. 1st 2nd 3rd 4th Year Ended December 31, 2024: Operating Summary: Net premiums, fees, and other income $ 1,684.6 $ 1,844.7 $ 1,972.9 $ 1,986.1 Net investment income and investment gains (losses) 331.3 26.9 368.8 15.9 Total revenues 2,015.9 1,871.7 2,341.7 2,002.0 Total expenses 1,617.2 1,758.3 1,914.8 1,871.3 Net income $ 316.7 $ 91.8 $ 338.9 $ 105.1 Net income per share: Basic $ 1.17 $ 0.35 $ 1.35 $ 0.43 Diluted $ 1.15 $ 0.35 $ 1.32 $ 0.42 Average shares outstanding: Basic 271,725,775 260,796,757 251,640,055 247,179,561 Diluted 275,432,461 265,549,655 256,862,595 252,803,300 1st 2nd 3rd 4th Year Ended December 31, 2023: Operating Summary: Net premiums, fees, and other income $ 1,594.6 $ 1,689.3 $ 1,801.1 $ 1,785.6 Net investment income and investment gains (losses) 164.0 108.9 (40.9) 155.4 Total revenues 1,758.7 1,798.3 1,760.1 1,941.1 Total expenses 1,509.5 1,601.4 1,696.2 1,703.6 Net income (loss) $ 199.8 $ 155.5 $ 52.6 $ 190.6 Net income (loss) per share: Basic $ 0.68 $ 0.55 $ 0.19 $ 0.70 Diluted $ 0.68 $ 0.54 $ 0.19 $ 0.69 Average shares outstanding: Basic 291,945,750 285,426,801 277,010,690 274,036,118 Diluted 293,993,474 287,882,787 279,924,410 277,226,628

Information About Segments of B

Information About Segments of Business	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Information About Segments of Business	Segment Information The Company is engaged in the single business of insurance underwriting and related services. It conducts its operations through a number of regulated insurance company subsidiaries organized into two reportable segments: Specialty Insurance (formerly referred to as General Insurance) and Title Insurance. Effective as of year-end 2024, the Company renamed its reportable segment formerly referred to as "General Insurance" to "Specialty Insurance." Management believes this name more appropriately reflects Old Republic's specialty P&C strategy, with 17 underwriting businesses focused on unique niche markets with specialized distribution, underwriting, claims, and risk control models. The Company's reportable segments are strategic business units that offer different types of insurance that are managed separately because the nature of each varies from a customer, distribution, and economic perspective. The results of the RFIG Run-off business, previously a reportable segment, are deemed immaterial and reflected within the Corporate & Other caption of this report through the effective date of its sale of May 31, 2024, along with the results of a small life and accident insurance business. Prior period amounts have been reclassified to reflect the change in reportable segments. The Company does not derive over 10% of its consolidated revenues from any one customer. Revenues and assets connected with foreign operations are not significant in relation to consolidated totals. Specialty Insurance provides property and liability insurance primarily to commercial clients. Old Republic does not have a meaningful participation in personal insurance coverages. Commercial auto is the largest type of coverage underwritten by Specialty Insurance, accounting for 41.9% of the segment's net premiums earned in 2024. The remaining premiums written by Specialty Insurance are derived largely from a wide variety of coverages, including workers' compensation, property, general liability, general aviation, directors' and officers' indemnity, fidelity and surety indemnities, and home and auto warranties. Title Insurance consists primarily of the issuance of policies to real estate purchasers and investors based upon searches of the public records which contain information concerning interests in real property. The policies insure against losses arising out of defects, liens, and encumbrances affecting the insured title and not excluded or excepted from the coverage of the policy. The accounting policies of the Specialty Insurance and Title Insurance segments are the same as those described in the summary of significant accounting policies in Note 1. Inter-segment income and expense, if any, is eliminated. Income taxes are calculated on the basis of the taxable income of the individual entities within each segment. Old Republic's business is managed for the long run. In this context management's key objectives are to achieve highly profitable operating results over the long term, and to ensure balance sheet strength for the primary needs of the insurance subsidiaries' underwriting and related services business. In this view, the evaluation of periodic and long-term results excludes consideration of net investment gains (losses). Under GAAP, however, net income, inclusive of net investment gains (losses), is the measure of total profitability. In management's opinion, the focus on income excluding net investment gains (losses), also described herein as segment pretax operating income, provides a better way to analyze, evaluate, and establish accountability for the results of the business. The inclusion of realized investment gains (losses) in net income can mask trends in operating results, because such realizations are often highly discretionary. Similarly, the inclusion of unrealized investment gains (losses) in equity securities can further distort such operating results with significant period-to-period fluctuations. Furthermore, as described in more detail below, management considers the underwriting income component of segment operating income (alternatively measured via combined ratio results) to be the primary performance measure of the insurance operations within each segment. The Company's chief operating decision maker (CODM) is its Chief Executive Officer. The CODM assesses performance for the Specialty Insurance and Title Insurance segments based primarily on underwriting results, as measured by each segment's combined ratio. The combined ratio measures the Company's overall profitability from its underwriting activities and is derived by dividing loss and loss adjustment expenses, dividends to policyholders and underwriting, acquisition and other expenses by total premiums and fees earned in the tables that follow. The combined ratio is utilized to perform benchmarking analysis with respect to the Company’s internally set objectives as well as its peer group and competitors. The CODM considers these analyses to determine whether to deploy more capital to fund growth within the segments, or conversely, deploy less capital to focus on underwriting profitability improvements. Furthermore, the combined ratio is a significant component in the establishment of management’s incentive compensation. The contributions of Old Republic's reportable segments to consolidated totals are shown in the following tables. Year Ended December 31, 2024: Specialty Insurance Title Insurance Corporate & Other (a) Consolidation Elimination Adjustments (b) Total Revenues: Net premiums written $ 5,030.5 $ 2,334.6 $ 15.9 $ — $ 7,381.0 Net premiums earned 4,677.0 2,334.6 14.6 — 7,026.4 Title, escrow, and other fees — 284.4 — — 284.4 Total premiums and fees 4,677.0 2,619.1 14.6 — 7,310.8 Other income 177.0 0.6 — — 177.6 Expenses (c): Loss and loss adjustment expenses 2,975.6 46.1 2.6 — 3,024.4 Dividends to policyholders 23.5 — — — 23.5 Underwriting, acquisition, and other expenses: Commissions 546.8 1,601.2 0.1 — 2,148.2 Insurance taxes, licenses, and fees 172.7 37.5 1.7 — 212.0 Subtotal 719.6 1,638.7 1.9 — 2,360.3 General expenses 771.1 855.1 49.7 — 1,676.0 Total underwriting, acquisition, and other expenses 1,490.8 2,493.8 51.7 — 4,036.4 Segment underwriting income (loss) 364.0 79.7 (39.8) — 404.0 Add: Net investment income 546.5 63.2 127.0 (63.7) 673.1 Less: Interest and other charges (b) 62.3 (1.1) 79.8 (63.7) 77.3 Segment pretax operating income 848.3 144.1 7.3 — 999.8 Income taxes (credits) on above 173.4 30.3 (1.0) — 202.7 Net income excluding investment gains (losses) $ 674.8 $ 113.7 $ 8.4 $ — 797.0 Consolidated pretax investment gains (losses): Realized from actual transactions and impairments 88.8 Unrealized from changes in fair value of equity securities (18.9) Income taxes on above 14.2 Net of tax investment gains 55.7 Net income $ 852.7 Segment and consolidated combined ratio 92.2 % 97.0 % 93.9 % __________ (a) Includes the RFIG Run-off business through the effective date of its sale of May 31, 2024, a small life and accident insurance business, the parent holding company, and several internal corporate services subsidiaries. (b) Consolidation elimination adjustments include intercompany financing arrangements for which interest charges with Old Republic's parent holding company for the following reportable segments were: Specialty - $63.7 and Title - $–, for the year ended December 31, 2024. (c) The significant expense categories and amounts align with the segment-level information that is regularly provided to the chief operating decision maker. There are no other segment expenses that are part of reported segment profit or loss amounts that are not included in one of the above categories. Year Ended December 31, 2023: Specialty Insurance Title Insurance Corporate & Other (a) Consolidation Elimination Adjustments (b) Total Revenues: Net premiums written $ 4,356.3 $ 2,300.9 $ 25.6 $ — $ 6,682.9 Net premiums earned 4,119.2 2,300.9 25.6 — 6,445.9 Title, escrow, and other fees — 261.8 — — 261.8 Total premiums and fees 4,119.2 2,562.8 25.6 — 6,707.7 Other income 162.2 0.7 — — 163.1 Expenses (c): Loss and loss adjustment expenses 2,536.7 48.7 (5.4) — 2,580.0 Dividends to policyholders 16.5 — — — 16.5 Underwriting, acquisition, and other expenses: Commissions 465.3 1,608.1 0.1 — 2,073.6 Insurance taxes, licenses, and fees 159.8 18.7 4.4 — 183.1 Subtotal 625.2 1,626.8 4.6 — 2,256.7 General expenses 697.0 812.4 77.4 — 1,586.9 Total underwriting, acquisition, and other expenses 1,322.2 2,439.3 82.0 — 3,843.6 Segment underwriting income (loss) 406.0 75.4 (50.9) — 430.6 Add: Net investment income 462.7 57.0 135.0 (76.5) 578.3 Less: Interest and other charges (b) 80.9 (1.0) 67.2 (76.5) 70.5 Segment pretax operating income 787.8 133.5 16.9 — 938.4 Income taxes on above 158.3 27.7 2.7 — 188.8 Net income excluding investment gains (losses) $ 629.5 $ 105.8 $ 14.1 $ — 749.5 Consolidated investment gains (losses): Realized from actual transactions and impairments (67.0) Unrealized from changes in fair value of equity securities (123.9) Income tax credits on above (40.0) Net of tax investment losses (150.8) Net income $ 598.6 Segment and consolidated combined ratio 90.2 % 97.1 % 92.6 % __________ (a) Includes the RFIG Run-off business through the effective date of its sale of May 31, 2024, a small life and accident insurance business, the parent holding company, and several internal corporate services subsidiaries. (b) Consolidation elimination adjustments include intercompany financing arrangements for which interest charges with Old Republic's parent holding company for the following reportable segments were: Specialty - $76.5 and Title - $–, for the year ended December 31, 2023. (c) The significant expense categories and amounts align with the segment-level information that is regularly provided to the chief operating decision maker. There are no other segment expenses that are part of reported segment profit or loss amounts that are not included in one of the above categories. Year Ended December 31, 2022: Specialty Insurance Title Insurance Corporate & Other (a) Consolidation Elimination Adjustments (b) Total Revenues: Net premiums written $ 3,978.2 $ 3,500.6 $ 32.8 $ — $ 7,511.6 Net premiums earned 3,808.6 3,500.6 32.9 — 7,342.1 Title, escrow, and other fees — 333.2 — — 333.2 Total premiums and fees 3,808.6 3,833.8 32.9 — 7,675.3 Other income 148.9 0.9 — — 149.9 Expenses (c): Loss and loss adjustment expenses 2,352.0 89.1 (13.4) — 2,427.7 Dividends to policyholders 12.5 — — — 12.5 Underwriting, acquisition, and other expenses: Commissions 435.1 2,464.8 — — 2,899.9 Insurance taxes, licenses, and fees 161.1 73.5 3.8 — 238.4 Subtotal 596.2 2,538.3 3.7 — 3,138.4 General expenses 595.7 945.8 39.1 — 1,580.8 Total underwriting, acquisition, and other expenses 1,192.0 3,484.2 42.9 — 4,719.2 Segment underwriting income 400.9 261.3 3.5 — 665.8 Add: Net investment income 358.0 47.9 123.6 (70.0) 459.5 Less: Interest and other charges (b) 69.1 0.4 67.1 (70.0) 66.7 Segment pretax operating income 689.8 308.8 59.9 — 1,058.6 Income taxes on above 139.6 67.0 6.7 — 213.4 Net income excluding investment gains (losses) $ 550.1 $ 241.8 $ 53.1 $ — 845.1 Consolidated investment gains (losses): Realized from actual transactions and impairments 62.2 Unrealized from changes in fair value of equity securities (263.4) Income tax credits on above (42.5) Net of tax investment losses (158.6) Net income $ 686.4 Segment and consolidated combined ratio 89.5 % 93.2 % 91.0 % __________ (a) Includes the RFIG Run-off business through the effective date of its sale of May 31, 2024, a small life and accident insurance business, the parent holding company, and several internal corporate services subsidiaries. (b) Consolidation elimination adjustments include intercompany financing arrangements for which interest charges with Old Republic's parent holding company for the following reportable segments were: Specialty - $68.9 and Title - $0.8 for the year ended December 31, 2022. (c) The significant expense categories and amounts align with the segment-level information that is regularly provided to the chief operating decision maker. There are no other segment expenses that are part of reported segment profit or loss amounts that are not included in one of the above categories. December 31: 2024 2023 Consolidated Assets: Specialty Insurance $ 24,563.2 $ 22,710.5 Title Insurance 1,915.8 1,948.2 Total assets of Company segments 26,479.1 24,658.8 Corporate & Other (a) 1,532.4 2,145.8 Consolidation elimination adjustments (b) (168.4) (303.2) Consolidated assets $ 27,843.1 $ 26,501.4 __________ (a) Includes the RFIG Run-off business through the effective date of its sale of May 31, 2024, a small life and accident insurance business, the parent holding company and several internal corporate services subsidiaries. (b) Includes predominately intercompany debt and various reclassifications.

Transactions with Affiliates

Transactions with Affiliates	12 Months Ended
	Dec. 31, 2024
Transactions with Affiliates [Abstract]
Transactions with Affiliates	Transactions with Affiliates The Company is affiliated with a mutual insurer, American Business & Mercantile Insurance Mutual, Inc. ("AB&M" or "the Mutual") whose formation it sponsored in 1981. The Mutual is managed through a service agreement with several Old Republic subsidiaries. AB&M's underwriting operations are limited to certain types of coverages not otherwise provided by Old Republic, and to a small amount of intercompany insurance and reinsurance placements. The following table shows certain information reflective of such business: Assumed from Old Republic Ceded to Old Republic Years Ended December 31: 2024 2023 2022 2024 2023 2022 Premiums earned $ 1.1 $ 0.7 $ 0.3 $ — $ — $ 0.1 Commissions and fees 0.3 0.1 0.1 — — — Losses and loss expenses 1.2 2.9 0.9 0.1 — 0.1 Loss and loss expense reserves $ 4.0 $ 4.3 $ 7.1 $ 1.3 $ 1.4 $ 2.7 As of December 31, 2024 and 2023, the Mutual's statutory capital included surplus notes due to Old Republic of $10.5 out of total statutory capital of $69.4 and $62.4, respectively.

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2024
Subsequent Events [Abstract]
Subsequent Events	Subsequent Events The Company evaluated subsequent events through the date the consolidated financial statements were issued. No subsequent events were identified, other than those discussed below, that require adjustment or disclosure to the consolidated financial statements. In January 2025, Old Republic announced the formation of a new underwriting subsidiary, Old Republic Cyber, Inc., that will focus on providing specialized cyber- and technology-related coverage. In January 2025, a strategic partnership was formed between Old Republic National Title Holding Company (Old Republic Title) and Qualia Labs, Inc. (Qualia) in which Qualia acquired transactional software platforms from Old Republic Title. The transaction did not meet the criteria to be classified as held-for-sale as of December 31, 2024. The assets transferred and the gain or loss on the sale are not material to the consolidated financial statements, and will be recorded in the first quarter 2025.

Schedule I - Summary of Investm

Schedule I - Summary of Investments - Other Than Investments in Related Parties	12 Months Ended
	Dec. 31, 2024
Schedule I - Summary of Investments - Other Than Investments in Related Parties [Abstract]
Schedule I - Summary of Investments, Other than Investments in Related Parties	OLD REPUBLIC INTERNATIONAL CORPORATION AND SUBSIDIARIES SCHEDULE I - SUMMARY OF INVESTMENTS - OTHER THAN INVESTMENTS IN RELATED PARTIES As of December 31, 2024 ($ in Millions) Column A Column B Column C Column D Type of investment Cost (a) Fair Amount at Fixed income securities: United States Government and government agencies and authorities $ 1,771.2 $ 1,714.9 $ 1,714.9 States, municipalities and political subdivisions 319.6 317.9 317.9 Foreign government 179.3 176.9 176.9 Corporate, industrial and all other 9,905.8 9,881.7 9,881.7 12,175.9 $ 12,091.5 12,091.5 Short-term investments 1,403.7 1,403.7 Total 13,579.7 13,495.3 Equity securities: Non-redeemable preferred stocks 0.6 $ 1.4 1.4 Common stocks: Banks, trusts and insurance companies 73.8 169.3 169.3 Industrial, miscellaneous and all other 1,336.2 2,369.9 2,369.9 1,410.7 $ 2,540.7 2,540.7 Other investments 42.8 42.8 Total investments $ 15,033.3 $ 16,079.0 __________ (a) Represents original cost of equity securities, and as to fixed incomes, original cost reduced by repayments and adjusted for amortization of premium or accrual of discount.

Schedule II - Condensed Financi

Schedule II - Condensed Financial Information of Registrant	12 Months Ended
	Dec. 31, 2024
Balance Sheets [Abstract]
Condensed Financial Information of Registrant	OLD REPUBLIC INTERNATIONAL CORPORATION AND SUBSIDIARIES SCHEDULE II - CONDENSED FINANCIAL INFORMATION OF REGISTRANT BALANCE SHEETS OLD REPUBLIC INTERNATIONAL CORPORATION (PARENT COMPANY) ($ in Millions) December 31, 2024 2023 Assets: Bonds and notes $ 10.5 $ 10.5 Short-term investments 128.1 21.1 Cash 26.7 5.0 Investments in, and indebtedness of related parties 7,579.1 8,027.7 Other assets 153.5 116.6 Total assets $ 7,898.1 $ 8,181.0 Liabilities and Common Shareholders' Equity: Liabilities: Accounts payable and accrued expenses $ 588.8 $ 69.6 Debt and debt equivalents 1,588.7 1,591.2 Indebtedness to affiliates and subsidiaries 101.6 109.4 Total liabilities 2,279.2 1,770.3 Common shareholders' equity: Common stock 248.8 278.3 Additional paid-in capital — 678.7 Retained earnings 5,519.7 5,644.3 Accumulated other comprehensive loss (102.4) (132.4) Unallocated 401(k) plan shares (at cost) (47.1) (58.2) Total common shareholders' equity 5,618.9 6,410.7 Total liabilities and common shareholders' equity $ 7,898.1 $ 8,181.0 OLD REPUBLIC INTERNATIONAL CORPORATION AND SUBSIDIARIES SCHEDULE II - CONDENSED FINANCIAL INFORMATION OF REGISTRANT STATEMENTS OF INCOME OLD REPUBLIC INTERNATIONAL CORPORATION (PARENT COMPANY) ($ in Millions) Years Ended December 31, 2024 2023 2022 Revenues: Investment income from subsidiaries $ 112.1 $ 122.0 $ 118.0 Real estate and other income 4.3 4.1 4.2 Other investment income 5.3 4.8 1.2 Realized investment losses — (4.5) — Total revenues 121.8 126.5 123.6 Expenses: Interest - subsidiaries 3.6 4.2 3.9 Interest - other 79.8 67.1 67.1 Real estate and other expenses 5.2 4.8 4.5 General expenses, taxes and fees 35.8 57.1 23.6 Total expenses 124.5 133.3 99.2 Revenues, net of expenses (2.7) (6.8) 24.3 Federal income taxes (credits) (1.7) (0.8) 2.9 Income (loss) before equity in earnings of subsidiaries (0.9) (5.9) 21.3 Equity in earnings (loss) of subsidiaries: Dividends received 796.2 673.3 614.6 Earnings (loss) in excess of dividends 57.4 (68.6) 50.5 Net Income $ 852.7 $ 598.6 $ 686.4 OLD REPUBLIC INTERNATIONAL CORPORATION AND SUBSIDIARIES SCHEDULE II - CONDENSED FINANCIAL INFORMATION OF REGISTRANT STATEMENTS OF CASH FLOWS OLD REPUBLIC INTERNATIONAL CORPORATION (PARENT COMPANY) ($ in Millions) Years Ended December 31, 2024 2023 2022 Cash flows from operating activities: Net income $ 852.7 $ 598.6 $ 686.4 Adjustments to reconcile net income to net cash provided by operating activities: Accounts receivable 0.7 (0.9) — Income taxes - net 8.5 (49.8) 59.4 Excess of equity in (earnings) loss of subsidiaries over cash dividends received (57.4) 68.6 (50.5) Realized investment losses — 4.5 — Accounts payable, accrued expenses and other (28.8) 14.7 (34.8) Total 775.7 635.8 660.6 Cash flows from investing activities: Purchase of fixed assets for Company use (1.8) (3.2) (4.1) Net repayment (issuance) of notes to related parties 595.5 54.6 64.9 Net decrease (increase) in short-term investments (107.0) 13.9 (23.8) Investment in, and indebtedness of related parties - net — 85.0 140.0 Total 486.6 150.3 176.9 Cash flows from financing activities: Issuance of debentures and notes 395.9 — — Net receipt (repayment) of notes and loans from related parties (13.6) (5.1) (4.8) Issuance of common shares 2.0 31.1 26.6 Redemption of debentures and notes (400.0) — — Dividends on common shares (271.9) (275.5) (579.7) Repurchase of common stock (942.2) (535.3) (281.2) Other - net (10.8) 1.7 1.5 Total (1,240.6) (783.1) (837.6) Increase (decrease) in cash 21.7 3.0 — Cash, beginning of year 5.0 2.0 2.0 Cash, end of year $ 26.7 $ 5.0 $ 2.0 OLD REPUBLIC INTERNATIONAL CORPORATION AND SUBSIDIARIES SCHEDULE II - CONDENSED FINANCIAL INFORMATION OF REGISTRANT NOTES TO CONDENSED FINANCIAL STATEMENTS ($ in Millions) Note 1 - Summary of Significant Accounting Policies Old Republic International Corporation's (the Company or Old Republic) condensed financial statements are presented in accordance with the Financial Accounting Standards Board (FASB) Accounting Standards Codification (ASC) of accounting principles generally accepted in the United States of America (GAAP) and should be read in conjunction with the consolidated financial statements and accompanying footnotes of Old Republic International Corporation and Subsidiaries included in its Annual Report on Form 10-K. Prior period amounts have been reclassified whenever appropriate to conform to the most current presentation. Note 2 - Investments in Consolidated Subsidiaries Old Republic International Corporation's investments in consolidated subsidiaries are reflected in the condensed financial statements in accordance with the equity method of accounting. Undistributed earnings in excess of dividends received are recorded as separate line items in the condensed statements of income. Note 3 - Debt On August 26, 2016, the Company completed a public offering of $550.0 aggregate principal amount of Senior Notes. The notes bear interest at a rate of 3.875% per year and mature on August 26, 2026. On June 11, 2021, the Company completed a public offering of $650.0 aggregate principal amount of Senior Notes. The notes bear interest at a rate of 3.850% per year and mature on June 11, 2051. On March 31, 2024, the Company completed a public offering of $400.0 aggregate principal amount of Senior Notes. The notes bear interest at a rate of 5.750% per year and mature on March 28, 2034. This issuance was completed in anticipation of the $400.0 of 4.875% Senior Notes that matured and were redeemed in cash on October 1, 2024. Note 4 - Common Stock Repurchases On May 12, 2023, the Board of Directors authorized a $450.0 share repurchase program which was completed during the first quarter of 2024. On March 1, 2024, the Board of Directors authorized a $1.1 billion share repurchase program. Total 2024 share repurchases, inclusive of taxes and fees, under these programs were 29.9 million shares for $951.6 (average price of $31.82). Following the close of the year and through February 19, 2025, the Company repurchased 0.7 million additional shares for $25.5 (average price of $34.57) leaving $205.8 remaining under the current authorization.

Schedule III - Supplementary In

Schedule III - Supplementary Insurance Information	12 Months Ended
	Dec. 31, 2024
Schedule III - Supplementary Insurance Information [Abstract]
Schedule III - Supplementary Insurance Information	OLD REPUBLIC INTERNATIONAL CORPORATION AND SUBSIDIARIES SCHEDULE III - SUPPLEMENTARY INSURANCE INFORMATION For the Years Ended December 31, 2024, 2023 and 2022 ($ in Millions) Column A Column B Column C Column D Column E Column F Segment Deferred Loss and Loss Adjustment Expense Reserves Unearned Other Premium Year Ended December 31, 2024: Insurance Underwriting: Specialty Insurance $ 531.1 $ 7,341.5 $ 2,591.4 $ 134.5 $ 4,677.0 Title Insurance — 572.7 — 1.6 2,334.6 Corporate & Other (a) 0.1 6.4 — 30.2 14.6 Reinsurance Recoverable (c) — 5,807.1 913.9 7.6 — Consolidated $ 531.3 $ 13,727.7 $ 3,505.4 $ 174.0 $ 7,026.4 Year Ended December 31, 2023: Insurance Underwriting: Specialty Insurance $ 417.6 $ 6,955.2 $ 2,253.1 $ 109.3 $ 4,119.2 Title Insurance — 598.5 — 1.5 2,300.9 Corporate & Other (a)(b) 0.2 6.6 — 30.8 25.6 Reinsurance Recoverable (c) — 4,977.7 789.5 8.6 — Consolidated $ 417.8 $ 12,538.2 $ 3,042.6 $ 150.4 $ 6,445.9 Year Ended December 31, 2022: Insurance Underwriting: Specialty Insurance $ 382.2 $ 6,824.8 $ 2,028.5 $ 137.1 $ 3,808.6 Title Insurance — 612.8 — 3.3 3,500.6 Corporate & Other (a) 0.2 84.2 0.1 31.8 32.9 Reinsurance Recoverable (c) — 4,699.5 759.1 9.8 — Consolidated $ 382.5 $ 12,221.5 $ 2,787.8 $ 182.2 $ 7,342.1 __________ (a) Includes amounts for the RFIG Run-off business through the effective date of its sale of May 31, 2024, a small life and accident insurance business, the parent holding company, several internal corporate services subsidiaries, and consolidation elimination adjustments. (b) RFIG Run-off loss and loss adjustment expense reserves of $54.9 and unearned premiums of $0.1 were classified as held-for-sale as of December 31, 2023. See Note 2 in the Notes to Consolidated Financial Statements included in the Annual Report on Form 10-K for further discussion. (c) In accordance with GAAP, reinsured losses and unearned premiums are to be reported as assets. Assets and liabilities were, as a result, increased by corresponding amounts of approximately $6.7 billion, $5.7 billion, and $5.4 billion at December 31, 2024, 2023, and 2022, respectively. This accounting treatment does not have any effect on the Company's results of operations. OLD REPUBLIC INTERNATIONAL CORPORATION AND SUBSIDIARIES SCHEDULE III - SUPPLEMENTARY INSURANCE INFORMATION For the Years Ended December 31, 2024, 2023 and 2022 ($ in Millions) Column A Column G Column H Column I Column J Column K Segment Net Loss and Loss Adjustment Expenses Amortization Other Premiums Year Ended December 31, 2024: Insurance Underwriting: Specialty Insurance $ 546.5 $ 2,999.1 $ 770.0 $ 783.1 $ 5,030.5 Title Insurance 63.2 46.1 — 2,492.7 2,334.6 Corporate & Other (a) 63.3 2.6 — 67.8 15.9 Reinsurance Recoverable (c) — — — — — Consolidated $ 673.1 $ 3,048.0 $ 770.0 $ 3,343.6 $ 7,381.0 Year Ended December 31, 2023: Insurance Underwriting: Specialty Insurance $ 462.7 $ 2,553.3 $ 680.0 $ 723.0 $ 4,356.3 Title Insurance 57.0 48.7 — 2,438.2 2,300.9 Corporate & Other (a)(b) 58.5 (5.4) — 72.7 25.6 Reinsurance Recoverable (c) — — — — — Consolidated $ 578.3 $ 2,596.6 $ 680.0 $ 3,234.1 $ 6,682.9 Year Ended December 31, 2022: Insurance Underwriting: Specialty Insurance $ 358.0 $ 2,364.6 $ 591.2 $ 669.5 $ 3,978.2 Title Insurance 47.9 89.1 — 3,484.6 3,500.6 Corporate & Other (a) 53.5 (13.4) 0.2 40.3 32.8 Reinsurance Recoverable (c) — — — — — Consolidated $ 459.5 $ 2,440.2 $ 591.4 $ 4,194.5 $ 7,511.6 __________ (a) Includes amounts for the RFIG Run-off business through the effective date of its sale of May 31, 2024, a small life and accident insurance business, the parent holding company, several internal corporate services subsidiaries, and consolidation elimination adjustments. (b) RFIG Run-off loss and loss adjustment expense reserves of $54.9 and unearned premiums of $0.1 were classified as held-for-sale as of December 31, 2023. See Note 2 in the Notes to Consolidated Financial Statements included in the Annual Report on Form 10-K for further discussion. (c) In accordance with GAAP, reinsured losses and unearned premiums are to be reported as assets. Assets and liabilities were, as a result, increased by corresponding amounts of approximately $6.7 billion, $5.7 billion, and $5.4 billion at December 31, 2024, 2023, and 2022, respectively. This accounting treatment does not have any effect on the Company's results of operations.

Schedule IV - Reinsurance

Schedule IV - Reinsurance	12 Months Ended
	Dec. 31, 2024
Schedule IV - Reinsurance [Abstract]
Schedule IV - Reinsurance	OLD REPUBLIC INTERNATIONAL CORPORATION AND SUBSIDIARIES SCHEDULE IV - REINSURANCE For the Years Ended December 31, 2024, 2023 and 2022 ($ in Millions) Column A Column B Column C Column D Column E Column F Gross Ceded Assumed Net Percentage Year Ended December 31, 2024: Life insurance in force $ 650.6 $ 351.4 $ — $ 299.1 — % Premium Revenues: Specialty Insurance $ 7,221.8 $ 2,652.8 $ 108.0 $ 4,677.0 2.3 % Title Insurance 2,332.3 — 2.2 2,334.6 0.1 RFIG Run-off 5.7 — — 5.7 — Life and Health Insurance: Life insurance 5.6 2.1 — 3.5 — Accident and health insurance 10.4 4.9 — 5.4 — Total Life & Health Insurance 16.1 7.1 — 8.9 — Consolidating adjustments — (0.2) (0.2) — — Consolidated $ 9,575.9 $ 2,659.6 $ 110.0 $ 7,026.4 1.6 % Year Ended December 31, 2023: Life insurance in force $ 933.8 $ 563.3 $ — $ 370.4 — % Premium Revenues: Specialty Insurance $ 6,513.2 $ 2,488.6 $ 94.7 $ 4,119.2 2.3 % Title Insurance 2,299.1 — 1.8 2,300.9 0.1 RFIG Run-off 16.4 — — 16.4 — Life and Health Insurance: Life insurance 6.5 2.6 — 3.8 — Accident and health insurance 11.1 5.8 — 5.3 — Total Life & Health Insurance 17.6 8.4 — 9.1 — Consolidating adjustments — (0.3) (0.3) — — Consolidated $ 8,846.4 $ 2,496.7 $ 96.2 $ 6,445.9 1.5 % Year Ended December 31, 2022: Life insurance in force $ 1,266.7 $ 784.5 $ — $ 482.1 — % Premium Revenues: Specialty Insurance $ 6,021.0 $ 2,299.5 $ 87.1 $ 3,808.6 2.3 % Title Insurance 3,498.1 0.1 2.6 3,500.6 — RFIG Run-off 23.2 — — 23.2 — Life and Health Insurance: Life insurance 7.1 3.2 — 3.9 — Accident and health insurance 13.7 8.0 — 5.6 — Total Life & Health Insurance 20.8 11.2 — 9.6 — Consolidating adjustments — (0.3) (0.3) — — Consolidated $ 9,563.3 $ 2,310.5 $ 89.4 $ 7,342.1 1.2 %

Schedule V - Valuation and Qual

Schedule V - Valuation and Qualifying Accounts	12 Months Ended
	Dec. 31, 2024
Schedule V - Valuation and Qualifying Accounts [Abstract]
Schedule V - Valuation and Qualifying Accounts	OLD REPUBLIC INTERNATIONAL CORPORATION AND SUBSIDIARIES SCHEDULE V - VALUATION AND QUALIFYING ACCOUNTS For the Years Ended December 31, 2024, 2023 and 2022 ($ in Millions) Column A Column B Column C Column D Column E Additions Description Balance at Charged to Costs and Expenses (a) Charged to Other Accounts - Describe Deductions - Balance at Year Ended December 31, 2024: Deducted from Asset Accounts: Reserve for credit losses $ 43.6 $ 8.5 $ — $ — $ 52.2 Year Ended December 31, 2023: Deducted from Asset Accounts: Reserve for credit losses $ 43.0 $ 0.6 $ — $ — $ 43.6 Year Ended December 31, 2022: Deducted from Asset Accounts: Reserve for credit losses $ 40.1 $ 2.9 $ — $ — $ 43.0 __________

Schedule VI - Supplemental Info

Schedule VI - Supplemental Information Concerning Property-Casualty Insurance Operations	12 Months Ended
	Dec. 31, 2024
Schedule VI - Supplemental Information Concerning Property-Casualty Insurance Operations [Abstract]
Schedule VI - Supplemental Information Concerning Property-Casualty Insurance Operations	OLD REPUBLIC INTERNATIONAL CORPORATION AND SUBSIDIARIES SCHEDULE VI - SUPPLEMENTAL INFORMATION CONCERNING PROPERTY-CASUALTY INSURANCE OPERATIONS For the Years Ended December 31, 2024, 2023 and 2022 ($ in Millions) Column A Column B Column C Column D Column E Affiliation With Registrant (a) Deferred Loss and Loss Adjustment Expense Reserves (b) Discount, Unearned Premiums (b) Year Ended December 31: 2024 $ 531.1 $ 7,341.5 $ 171.8 $ 2,591.4 2023 417.6 6,955.2 179.9 2,253.1 2022 382.2 6,824.8 184.7 2,028.5 Column A Column F Column G Column H Net Loss and Loss Adjustment Expenses Affiliation With Registrant (a) Earned Current Prior Year Ended December 31: 2024 $ 4,677.0 $ 546.5 $ 3,081.9 $ (106.2) 2023 4,119.2 462.7 2,770.7 (234.0) 2022 3,808.6 358.0 2,545.1 (193.1) Column A Column I Column J Column K Affiliation With Registrant (a) Amortization Paid Premiums Year Ended December 31: 2024 $ 770.0 $ 2,589.3 $ 5,030.5 2023 680.0 2,406.2 4,356.3 2022 591.2 2,114.2 3,978.2 __________ (a) Includes consolidated property-casualty entities. The amounts relating to the Company's unconsolidated property-casualty subsidiaries and the proportionate share of the registrant's and its subsidiaries' 50%-or-less owned property-casualty equity investees are immaterial and have, therefore, been omitted from this schedule. (b) See note (c) to Schedule III.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Pay vs Performance Disclosure
Net income	$ 105.1	$ 338.9	$ 91.8	$ 316.7	$ 190.6	$ 52.6	$ 155.5	$ 199.8	$ 852.7	$ 598.6	$ 686.4

Insider Trading Arrangements

Insider Trading Arrangements	12 Months Ended
	Dec. 31, 2024
Trading Arrangements, by Individual
Material Terms of Trading Arrangement	The Company has adopted a Securities Trading Policy setting forth policies and procedures governing the purchase, sale, and/or other dispositions of the Company’s securities by directors, officers, and employees, and the Company itself. The Company believes that the Securities Trading Policy is reasonably designed to promote compliance with insider trading laws, rules and regulations, and applicable listing standards. A copy of the Securities Trading Policy is filed with this Annual Report on Form 10-K as Exhibit 19.
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Insider Trading Policies and Pr

Insider Trading Policies and Procedures	12 Months Ended
	Dec. 31, 2024
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

Cybersecurity Risk Management a

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
	Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	Old Republic depends upon technology-based information systems to conduct business. The Company uses computer systems and other electronic information resources, including both proprietary and third-party technology systems and tools, to process, transmit, receive, and store certain personal, confidential, and proprietary information; to communicate with customers, service providers, and other third parties by email and other electronic means; and perform various business operations, including transferring significant amounts of funds. The Company’s systems and processes have been, and will likely remain, subject to cyber threats and cyber-attacks and other intrusions. These threats and attacks are occurring with greater frequency and sophistication, and include ransom attacks, unauthorized access, misuse, denial-of-service attacks, system failures and disruptions. While these cyber threats and attacks have not resulted in a material adverse effect on the Company, a future cyber incident involving breach of the Company’s information systems or the information systems of a third-party vendor or services provider could adversely affect the Company’s business strategy, results of operations or financial condition by exposing the Company to substantial costs and negative consequences, including the loss of funds, costs of investigation and remediation, lost revenues, and reputational damage. Old Republic dedicates significant resources across the enterprise to regularly monitor its networks, infrastructure and procedures in an effort to prevent, detect, address and mitigate these risks. The Company’s Chief Information Security Officer (CISO) oversees the Company’s enterprise cybersecurity strategy while the Company’s Chief Executive Officer (CEO) retains primary responsibility for managing enterprise-wide risks, including those related to cybersecurity. The Company’s Board of Directors’ oversight responsibilities include ascertaining that appropriate policies and practices are in place for managing the identified risks faced by the enterprise, and, as discussed below, the Audit Committee of the Board of Directors has oversight authority over data protection and cybersecurity risk exposure, as well as the Company's practices and protocols for the use of AI. The Company’s CISO has more than 27 years of experience in the field of information technology and security, comprised of six years in the U.S. Defense Industry and 21 years in the civilian sector. The CISO has a bachelor’s degree in computer studies and is an EC-Council Certified Chief Information Security Officer, a member of ISACA (formerly known as the Information Systems and Audit and Control Association), a member of the Factor Analysis of Information Risk (FAIR) Institute risk management education committee, and holds membership on the governing bodies for the Evanta National CISO community and the Evanta Regional (Dallas, Texas) CISO community. Each Old Republic operating subsidiary maintains its own security program based on its particular risk, applicable insurance industry requirements, and mandates and guidance from the CISO and enterprise-wide security advisory team. These programs encompass asset protection, threat identification, monitoring, timely response procedures, containment and recovery measures, and internal escalation procedures. An enterprise-wide information technology team consisting of a working group of information technology leaders representing all operating subsidiaries meets regularly for the review and monitoring of and updates to information security business processes due to significant changes in operating environments, statutory or regulatory changes or changing or emerging threats. Operating subsidiaries are required to report certain cyber incidents based on documented severity classification to the enterprise-wide information technology team. This team consists of key information technology personnel, including the CISO and the Chief Information Officer (CIO). They are responsible for overseeing incident response and escalation to the Company’s General Counsel and Chief Financial Officer (CFO) when necessary. As part of the Company’s overall risk management strategy, the General Counsel, CFO, and CIO, in consultation with the CEO, navigate escalated incidents for law enforcement and other external engagements and assess the impact and materiality of such incidents on the Company’s enterprise-wide business. While exact practices vary depending on each operating subsidiary’s particular business and risk, risk assessments performed at the enterprise and subsidiary levels generally incorporate threat and vulnerability analyses and consider mitigations provided by in-place security controls. These procedures are intended to identify and assess internal and external cybersecurity risks that may threaten the security or integrity of nonpublic information stored on the Company’s information systems by use of defensive infrastructure and the implementation of policies and procedures to protect the Company’s information systems from unauthorized access, use or other malicious acts. When engaging third-party vendors, operating subsidiaries are directed to use cybersecurity screening and risk assessment measures and to include appropriate data security privacy terms and conditions in vendor agreements, including, as necessary for certain vendors, a duty to report certain security incidents to the Company’s information technology team. Third-party engagement procedures generally include (1) the identification and risk assessment of third-party service providers; (2) minimum cybersecurity practices required to be met by such third-party service providers in order for them to do business with the Company; (3) due diligence processes used to evaluate the adequacy of cybersecurity practices of such third-party service providers; and (4) periodic assessment of such third-party service providers based on the risk they present and the continued adequacy of their cybersecurity practices. Third-party cybersecurity consultants are periodically retained by the Company to conduct targeted security control assessments, and to review the Company’s security policies, standards, procedures, and controls, when applicable. Annual third-party penetration testing is used to simulate cyber-attacks and to identify potential vulnerabilities. The Company subscribes to paid third-party threat intelligence services that provide real-time information on emerging threats. The Company engages security partners to provide advisory services related to security technologies and practices. At the holding company level, Old Republic employs security awareness and training initiatives to inform associates about their role in cybersecurity risk mitigation. The Audit Committee of the Company’s Board of Directors has oversight authority to review t he Company’s data protection and cybersecurity risk exposure and the steps management has taken to assess and respond to the overall threat landscape, including the strategy management implemented to mitigate the Company’s cyber risk exposure. The CISO and CIO report to the Audit Committee on current data protection and cybersecurity matters quarterly, and as may otherwise be needed. The CISO is authorized to report directly to the Audit Committee on the Company’s security program and status of cybersecurity risk management efforts. The Chair of the Audit Committee reports these matters, as appropriate, to the Board of Directors.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	The Company’s Chief Information Security Officer (CISO) oversees the Company’s enterprise cybersecurity strategy while the Company’s Chief Executive Officer (CEO) retains primary responsibility for managing enterprise-wide risks, including those related to cybersecurity.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	The Company’s CISO has more than 27 years of experience in the field of information technology and security, comprised of six years in the U.S. Defense Industry and 21 years in the civilian sector. The CISO has a bachelor’s degree in computer studies and is an EC-Council Certified Chief Information Security Officer, a member of ISACA (formerly known as the Information Systems and Audit and Control Association), a member of the Factor Analysis of Information Risk (FAIR) Institute risk management education committee, and holds membership on the governing bodies for the Evanta National CISO community and the Evanta Regional (Dallas, Texas) CISO community.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	The CISO and CIO report to the Audit Committee on current data protection and cybersecurity matters quarterly, and as may otherwise be needed. The CISO is authorized to report directly to the Audit Committee on the Company’s security program and status of cybersecurity risk management efforts
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Basis of Accounting, Policy	Accounting Principles - The Company's insurance subsidiaries are managed pursuant to the laws and regulations of the various states in which they operate. As a result, the subsidiaries operate their business in the context of such laws and regulations and maintain their accounts in conformity with accounting practices prescribed or permitted by various states' insurance regulatory authorities. Federal income taxes and dividends to shareholders are based on financial statements and reports complying with such practices. The statutory accounting requirements vary from the Financial Accounting Standards Board (FASB) Accounting Standards Codification (ASC) of accounting principles generally accepted in the United States of America (GAAP) in the following major respects: • the costs of selling insurance policies are charged to operations immediately, while the related premiums are recognized as income over the terms of the policies. Ceding commissions received in excess of such acquisition costs are amortized over the effective period of the premiums ceded under the related reinsurance agreement; • investments in fixed income securities designated as available for sale are generally carried at amortized cost rather than their estimated fair value; • changes in the fair value of equity securities are recorded directly in earned surplus and not through the income statement as required under GAAP unless such securities are determined to be other-than-temporarily impaired for statutory reporting purposes; • certain assets classified as "nonadmitted assets" are excluded from the balance sheet through a direct charge to earned surplus; • changes in deferred income tax assets or liabilities are recorded directly in earned surplus and not through the income statement; • mortgage guaranty contingency reserves intended to provide for future catastrophic losses are established as a liability through a charge to earned surplus whereas GAAP does not allow provisions for future catastrophic losses; • premium reserves for Title Insurance intended to cover losses that will be reported at a future date are based on statutory formulas, and changes therein are charged in the income statement against each year's premiums written; • certain required formula-derived reserves for Specialty Insurance in particular are established for credits taken relative to reinsurance placed with other insurance companies not licensed in the respective states, which are charged directly against earned surplus; and • surplus notes are classified as surplus rather than a liability. The Company has made adjustments to the statutory financial statements of its insurance subsidiaries to conform their accounts with GAAP for these Consolidated Financial Statements and Notes. The following table reflects a summary of all such adjustments: Shareholders' Equity Net Income December 31, Years Ended December 31, 2024 2023 2024 2023 2022 Statutory totals of insurance company subsidiaries: Specialty Insurance $ 4,742.8 $ 4,607.8 $ 700.4 $ 594.3 $ 549.2 Title Insurance 635.6 673.9 140.1 152.3 224.9 RFIG Run-off (a) — 131.1 4.1 9.8 70.5 Life and Accident 54.5 56.6 5.7 5.2 5.0 Subtotal 5,432.9 5,469.4 850.3 761.6 849.6 GAAP totals of non-insurance company subsidiaries and consolidation adjustments 242.2 1,058.6 (25.3) (77.2) 11.3 Unadjusted totals 5,675.0 6,527.9 824.9 684.3 860.8 Adjustments to conform to GAAP statements: Deferred policy acquisition costs 338.2 286.7 50.5 34.9 26.3 Investment adjustments (79.1) (102.6) (13.9) (109.1) (252.4) Nonadmitted assets 283.8 207.3 — — — Deferred income taxes (136.2) (95.1) (6.4) 26.2 35.4 Mortgage contingency reserves — 38.4 — — — Title insurance premium reserves 710.8 733.7 (22.8) (43.7) 42.5 Loss and loss adjustment expenses (507.4) (535.8) 26.7 17.1 (25.2) Surplus notes (719.5) (696.5) — — — Other adjustments 53.1 46.4 (6.4) (11.2) (0.7) Total adjustments (56.3) (117.5) 27.6 (85.7) (174.4) Consolidated GAAP totals $ 5,618.9 $ 6,410.7 $ 852.7 $ 598.6 $ 686.4 __________ (a) Includes activity through the effective date of its sale of May 31, 2024. The insurance laws of the respective states in which the Company’s insurance subsidiaries are incorporated prescribe minimum capital and surplus requirements for the lines of business they are licensed to write. For domestic property and casualty and life and accident insurance companies the National Association of Insurance Commissioners also prescribes risk-based capital (RBC) requirements. RBC is a measure of statutory capital in relationship to a formula-driven definition of risk relative to a company’s balance sheet and mix of business. The combined RBC ratio of the primary insurance subsidiaries contributing to the Specialty Insurance segment was 549% and 609% of the company action level RBC at December 31, 2024 and 2023, respectively. The minimum capital requirements for the Company’s Title Insurance subsidiaries are established by statute in the respective states of domicile. The minimum regulatory capital requirements are not significant in relationship to the recorded statutory capital of the Company’s Title and Life and Accident insurance subsidiaries. At December 31, 2024 and 2023 each of the Company’s insurance subsidiaries exceeded the minimum statutory capital and surplus requirements. The preparation of financial statements in conformity with either statutory practices or GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, the disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting period. Accordingly, actual results could differ from those estimates.
Consolidation Practices	Consolidation Practices - The consolidated financial statements include the accounts of the Company and those of all of its majority owned insurance underwriting and service subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation.
Statement Presentation	Statement Presentation - Amounts shown in the consolidated financial statements and applicable notes are stated (except as otherwise indicated and as to share data) in millions, which amounts may not add to totals shown due to truncation. Prior period amounts have been reclassified whenever appropriate to conform to the most current presentation.
New Accounting Pronouncements, Policy	Accounting Standard Adoption - In November 2023, the FASB issued Accounting Standards Update (ASU) No. 2023-07, Segment Reporting: Improvements to Reportable Segment Disclosures . This guidance expands the breadth and frequency of segment disclosures, including additional disclosures about significant segment expenses. Among other requirements, the guidance: • Introduces a new requirement to disclose certain significant segment expenses regularly provided to the chief operating decision maker (CODM), • Extends certain annual disclosures to interim periods, • Permits more than one measure of segment profit or loss to be reported under certain conditions, and • Requires disclosure of the title and position of the CODM. The ASU does not change how an entity identifies its operating segments, aggregates those operating segments, or applies the quantitative thresholds to determine its reportable segments. These disclosure-only requirements were effective for fiscal years beginning after December 15, 2023, and have been incorporated within Note 16 of these Notes to the Consolidated Financial Statements. These requirements will be effective for interim periods within fiscal years beginning after December 15, 2024. No other new accounting standards were adopted in 2024 that materially impacted the consolidated financial statements.
Accounting Standards Pending Adoption	Accounting Standards Pending Adoption – In December 2023, the FASB issued ASU No. 2023-09, Improvements to Income Tax Disclosures which will require further disaggregation of existing disclosures for the effective tax rate reconciliation and income taxes paid. More specifically, the amendments will require entities to disclose: • A tabular effective tax rate reconciliation, broken out into specific categories with certain reconciling items above a 5% threshold further broken out by nature and/or jurisdiction, and • Income taxes paid (net of refunds received), broken out between federal, state and foreign, and net amounts paid to an individual jurisdiction that exceed 5% of the total. The requirements are effective for annual reporting in fiscal years beginning after December 15, 2024. The Company continues to evaluate the requirements of this disclosure-only guidance. In November 2024, the FASB issued ASU No. 2024-03, Disaggregation of Income Statement Expenses which will require additional disclosure as to the nature of expenses included in the income statement. More specifically, the new standard requires disclosures about specific types of expenses included in the expense captions presented on the face of the income statement, such as employee compensation, depreciation, and intangible asset amortization. The guidance does not change the requirements for the presentation of expenses on the face of the income statement. The requirements are effective for fiscal years beginning after December 15, 2026 and interim reporting periods beginning after December 15, 2027 and will be applied prospectively with the option for retrospective application. The Company is currently evaluating the impact of this disclosure-only guidance.
Investments	Investments - The Company classifies its fixed income securities as those it either (1) has the intent and ability to hold until maturity, (2) has available for sale, or (3) has the intention of trading. The Company's fixed income portfolio is classified as available for sale as of December 31, 2024 and 2023. Fixed income securities classified as available for sale are reported at fair value with changes in such values, net of deferred income taxes, reflected directly in shareholders' equity. Equity securities are reported at fair value with changes in such values reflected as unrealized investment gains (losses) in the consolidated statements of income. Fair values are based on quoted market prices or estimates using values obtained from recognized independent pricing services. The status and fair value changes of fixed income securities are reviewed at least once per quarter to assess whether a decline in fair value of a security below its cost basis is the result of a credit loss. Factors considered in making this assessment include a security's market price history, as well as the issuer's operating results, financial condition and liquidity, its ability to access capital markets and to make scheduled principal or interest payments, credit rating trends, most current audited financial statements, industry and securities markets conditions and analyst expectations. Sudden fair value declines caused by such adverse developments as newly emerged or imminent bankruptcy filings, issuer default on significant obligations, or reports of financial accounting developments that bring into question the validity of the issuer's previously reported earnings or financial condition are recognized as realized losses as soon as credible publicly available information emerges to confirm such developments. Credit losses are recorded through an allowance with the corresponding charge to realized investment gains (losses). If the Company intends to sell or is more likely than not required to sell a security, the asset is written down to fair value directly through realized investment gains (losses). Investment income is reported net of allocated expenses and includes appropriate adjustments for amortization of premium and accretion of discount on fixed income securities acquired at other than par value. Dividends on equity securities are credited to income on the ex-dividend date. At December 31, 2024, the Company and its subsidiaries did not have significant amounts of non-income producing securities. Investment gains and losses, which result from sales or write-downs of securities, are reflected as revenues in the income statement and are determined on the basis of amortized cost at date of sale for fixed income securities, and cost in regard to equity securities; such bases apply to the specific securities sold.
Revenue Recognition	Revenue Recognition - Pursuant to GAAP applicable to the insurance industry, revenues are recognized as follows: Substantially all Specialty Insurance premiums pertain to annual policies and are reflected in income on a pro-rata basis in association with the related loss and loss adjustment expenses. Earned but unbilled premiums are generally taken into income on the billing date, while adjustments for retrospective premiums, commissions, and similar charges or credits are accrued on the basis of periodic evaluations of current underwriting experience and contractual obligations. Title premium and fee revenues stemming from the Company's direct operations (which include branch offices of its title insurers and wholly-owned agency subsidiaries) represent 23.0% of 2024, 21.0% of 2023, and 19.5% of 2022 consolidated title business revenues. Such premiums are generally recognized as income at the transaction closing date which approximates the policy effective date. Fee income related to escrow and other closing services is recognized when the related services have been performed and completed. The remaining Title Insurance premium and fee revenues are produced by independent title agents. Rather than making estimates that could be subject to significant variance from actual premium and fee production, the Company recognizes revenues from those sources upon receipt. Such receipts can result in a three to four month lag relative to the effective date of the underlying title policy, and are offset concurrently by production expenses and loss reserve provisions. The Company recognized total contract revenue from customers of $232.3, $215.9, and $210.1 during 2024, 2023, and 2022, respectively. Of these amounts, approximately $157.1, $145.1, and $132.8, respectively, were generated from claims handling and related ancillary services (i.e. risk control services) provided to customers within the Company’s Specialty Insurance segment. Claims handling revenues are recognized on a straight-line basis over the contract period (generally one year) which is commensurate with the entity’s efforts relative to claims adjudication. The related ancillary services revenues are recognized as services are provided and invoiced to the customer. Additionally, revenues from contracts with customers generated from the Company’s Title Insurance segment, consisting primarily of software licensing arrangements, tax-deferred property exchange services, and electronic recording services, totaled $64.5, $62.5, and $69.2 for the years ended December 31, 2024, 2023, and 2022, respectively. Such revenues are generally recognized at a point in time upon completion and invoicing of the services, or in the case of software maintenance agreements, on a straight-line basis over the life of the contract (generally one year).
Deferred Policy Acquisition Costs	Deferred Policy Acquisition Costs - Various insurance subsidiaries of the Company defer direct costs related to the successful production of business. Deferred costs consist principally of commissions, premium taxes, and policy issuance expenses. With respect to most coverages, deferred policy acquisition costs are amortized on the same basis as the related premiums are earned. To the extent that future revenues on existing policies are not adequate to cover related costs and expenses, deferred policy acquisition costs are charged to earnings. The Company considers investment income when evaluating the recoverability of deferred policy acquisition costs.
Assets Held-for-Sale	Assets Held-for-Sale - The Company classifies a business as held-for-sale when management has approved or received approval to sell the business, the sale is probable to occur during the next 12 months at a price that is reasonable in relation to its current estimated fair value, and certain other specific criteria are met. The business classified as held-for-sale is measured at the lower of the carrying value or estimated fair value, less costs to sell. If the carrying value of the business exceeds its estimated fair value, less costs to sell, a loss is recognized and reported in net investment gains (losses). Assets and liabilities related to the business classified as held-for-sale are separately reported in the Company's consolidated balance sheet in the period in which the business is classified as held-for-sale. See Note 2 for further discussion.
Loss and Loss Adjustment Expense Reserves	Loss and Loss Adjustment Expense Reserves - The establishment of loss reserves by the Company's insurance subsidiaries is a reasonably complex and dynamic process influenced by a large variety of factors. These factors principally include past experience applicable to the anticipated costs of various types of claims; continually evolving and changing legal theories from the judicial system; recurring accounting, statistical, and actuarial studies; the professional experience and expertise of the Company's claim departments' personnel, attorneys, and independent claim adjusters; ongoing changes in claim frequency or severity patterns such as those caused by natural disasters, illnesses, accidents, work‑related injuries; and changes in general and industry-specific economic conditions. Consequently, the reserves established are a reflection of: the opinions of a large number of persons; the application and interpretation of historical precedent and trends; expectations as to future developments; and management's judgment in interpreting all such factors. At any point in time, the Company is exposed to the possibility of higher or lower than anticipated loss costs due to all of these factors, and to the evolution, interpretation, and expansion of tort law, as well as the effects of unexpected jury verdicts. All reserves are therefore based on estimates which are periodically reviewed and evaluated in the light of emerging loss experience and changing circumstances. The resulting changes in estimates are recorded in operations of the periods during which they are made. Return and additional premiums and policyholders' dividends, all of which tend to be affected by development of losses in future years, may offset, in whole or in part, favorable or unfavorable loss developments for certain coverages such as workers' compensation, portions of which are written under loss sharing programs that provide for such adjustments. Management believes that its overall reserving practices have been consistently applied over many years, and that its aggregate net reserves have generally resulted in reasonable approximations of the ultimate net costs of losses incurred. However, no representation is made nor is any guaranty given that ultimate net losses and related costs will not develop in future years to be significantly greater or lower than currently established reserve estimates. Specialty Insurance reserves are established to provide for the ultimate expected cost of settling unpaid losses and claims reported at each balance sheet date. Such reserves are based on continually evolving assessments of the facts available to the Company during the settlement process which may stretch over long periods of time. Losses and claims incurred but not reported (IBNR), as well as expenses required to settle losses and claims, are established on the basis of a large number of formulas that take into account various criteria, including historical cost experience and anticipated costs of servicing reinsured and other risks. As applicable, estimates of possible recoveries from salvage or subrogation opportunities are considered in the establishment of such reserves. Overall loss and loss adjustment expense reserves incorporate amounts covering net estimates of unusual claims such as those emanating from asbestosis and environmental (A&E) exposures. Such reserves can affect claim costs and related loss ratios for such insurance coverages as general liability, commercial auto, workers' compensation, and property. Title Insurance and related escrow services loss and loss adjustment expense reserves are established as point estimates to cover the projected settlement costs of known as well as IBNR losses related to premium and escrow service revenues of each reporting period. Reserves for known claims are based on an assessment of the facts available to the Company during the settlement process. The point estimates covering all loss reserves take into account IBNR claims based on past experience and evaluations of such variables as changes in trends in the types of policies issued, real estate markets and interest rate environments, and levels of loan refinancing, all of which can have a bearing on the emergence, number, and ultimate cost of claims. In addition to the above reserve elements, the Company establishes reserves for loss settlement costs that are not directly related to individual claims. Such reserves are based on prior years' cost experience and trends, and are intended to cover the unallocated costs of claim departments' administration of known and IBNR claims.
Reinsurance	Reinsurance - The cost of reinsurance is recognized over the terms of the reinsurance contracts. Amounts recoverable from reinsurers for loss and loss adjustment expenses are estimated in a manner consistent with the claim liability associated with the reinsured business. The Company evaluates the financial condition of its reinsurers on a regular basis and allowances are established for estimated credit losses. See Note 10 for further discussion.
Income Taxes	Income Taxes - The Company and most of its subsidiaries file a consolidated tax return and provide for income taxes payable currently. Deferred income taxes included in the accompanying consolidated financial statements will not necessarily become payable or recoverable in the future. The Company uses the asset and liability method of calculating deferred income taxes. This method results in the establishment of deferred tax assets and liabilities, calculated at currently enacted tax rates that are applied to the cumulative temporary differences between the financial statement and tax bases of assets and liabilities.
Property And Equipment	Property and Equipment - Property and equipment is generally depreciated or amortized over the estimated useful lives of the assets (two to 27 years), substantially by the straight-line method. Depreciation and amortization expenses related to property and equipment were $39.3, $33.0, and $28.3 in 2024, 2023, and 2022, respectively. Expenditures for maintenance and repairs are charged to income as incurred, and expenditures for major renewals and additions are capitalized as appropriate.
Title Plants and Records	Title Plants and Records - Title plants and records are carried at original cost or appraised value at the date of purchase. Such values represent the cost of producing or acquiring interests in title records and indexes and the appraised value of purchased subsidiaries' title records and indexes at dates of acquisition. The cost of maintaining, updating, and operating title records is charged to income as incurred. Title records and indexes are ordinarily not amortized unless events or circumstances indicate that the carrying amount of the capitalized costs may not be recoverable.
Goodwill and Intangible Assets	Goodwill and Intangible Assets - Goodwill resulting from business combinations is not amortizable against operations but must be tested annually for possible impairment of its continued value. Intangible assets with definitive lives are amortized against future operating results; whereas indefinite-lived intangibles are tested annually for impairment. Annual testing did not result in any impairment charges for the periods presented, and reporting units with goodwill balances had estimated fair values in excess of their carrying values. The Company's consolidated goodwill balance of $179.6 and $178.3 as of December 31, 2024 and 2023, respectively, is included as part of other assets in the consolidated balance sheets. No significant changes to goodwill balances occurred in either period.
Employee Benefit Plans	Employee Benefit Plans - The Company has a closed pension plan (the Plan) for certain employees under which benefits were frozen as of December 31, 2013. The Plan is a defined benefit plan pursuant to which pension payments are based primarily on years of service and employee compensation near retirement. As a result, eligible employees retain all of the vested rights as of the effective date of the freeze. While additional benefits no longer accrue, the Company's cumulative obligation continues to be subject to further adjustment due to changes in actuarial assumptions such as expected mortality, and changes in interest rates. The funded status of a pension plan is measured as of December 31 of each year as the difference between the fair value of plan assets and the projected benefit obligation. The funded status of the Plan is recognized as a net pension asset or liability, as applicable, with offsetting entries reflected as a component of shareholders' equity in accumulated other comprehensive income, net of deferred taxes.
Escrow Funds	Escrow Funds - Segregated cash deposit accounts and the offsetting liabilities for escrow deposits in connection with Title Insurance real estate transactions in the same amounts ($1,903.4 and $1,817.1 at December 31, 2024 and 2023, respectively) are not included as assets or liabilities in the accompanying consolidated balance sheets as the escrow funds are not available for regular operations.
Additional Paid-in Capital	Additional Paid-in Capital - Additional paid-in capital is comprised of the cumulative cash received by the Company in excess of the par value associated with shares issued, less the cumulative cash paid in excess of the par value of shares repurchased.
Treasury Stock	Treasury Stock - Treasury stock represents the Company’s previously issued shares of stock which have been repurchased by the Company. These shares are accounted for at the cost at which they were acquired. Treasury stock is typically impacted by repurchases of shares under the Board of Directors approved share repurchase programs.
Common Share Repurchases, Policy	Common Share Repurchases - Common shares acquired under share repurchase programs are generally retired, restoring them to authorized, unissued status. Repurchases of treasury stock above par value are first charged to additional paid-in capital, with any excess charged to retained earnings.

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Consolidation, Subsidiary, Effects of Changes	. The following table reflects a summary of all such adjustments: Shareholders' Equity Net Income December 31, Years Ended December 31, 2024 2023 2024 2023 2022 Statutory totals of insurance company subsidiaries: Specialty Insurance $ 4,742.8 $ 4,607.8 $ 700.4 $ 594.3 $ 549.2 Title Insurance 635.6 673.9 140.1 152.3 224.9 RFIG Run-off (a) — 131.1 4.1 9.8 70.5 Life and Accident 54.5 56.6 5.7 5.2 5.0 Subtotal 5,432.9 5,469.4 850.3 761.6 849.6 GAAP totals of non-insurance company subsidiaries and consolidation adjustments 242.2 1,058.6 (25.3) (77.2) 11.3 Unadjusted totals 5,675.0 6,527.9 824.9 684.3 860.8 Adjustments to conform to GAAP statements: Deferred policy acquisition costs 338.2 286.7 50.5 34.9 26.3 Investment adjustments (79.1) (102.6) (13.9) (109.1) (252.4) Nonadmitted assets 283.8 207.3 — — — Deferred income taxes (136.2) (95.1) (6.4) 26.2 35.4 Mortgage contingency reserves — 38.4 — — — Title insurance premium reserves 710.8 733.7 (22.8) (43.7) 42.5 Loss and loss adjustment expenses (507.4) (535.8) 26.7 17.1 (25.2) Surplus notes (719.5) (696.5) — — — Other adjustments 53.1 46.4 (6.4) (11.2) (0.7) Total adjustments (56.3) (117.5) 27.6 (85.7) (174.4) Consolidated GAAP totals $ 5,618.9 $ 6,410.7 $ 852.7 $ 598.6 $ 686.4 __________ (a) Includes activity through the effective date of its sale of May 31, 2024. The insurance laws of the respective states in which the Company’s insurance subsidiaries are incorporated prescribe minimum capital and surplus requirements for the lines of business they are licensed to write. For domestic property and casualty and life and accident insurance companies the National Association of Insurance Commissioners also prescribes risk-based capital (RBC) requirements. RBC is a measure of statutory capital in relationship to a formula-driven definition of risk relative to a company’s balance sheet and mix of business. The combined RBC ratio of the primary insurance subsidiaries contributing to the Specialty Insurance segment was 549% and 609% of the company action level RBC at December 31, 2024 and 2023, respectively. The minimum capital requirements for the Company’s Title Insurance subsidiaries are established by statute in the respective states of domicile. The minimum regulatory capital requirements are not significant in relationship to the recorded statutory capital of the Company’s Title and Life and Accident insurance subsidiaries. At December 31, 2024 and 2023 each of the Company’s insurance subsidiaries exceeded the minimum statutory capital and surplus requirements.

Discontinued Operations and D_2

Discontinued Operations and Disposal Groups (Tables)	12 Months Ended
	Dec. 31, 2024
Discontinued Operations and Disposal Groups [Abstract]
Disposal Groups, Including Discontinued Operations	May 31, 2024 December 31, 2023 Assets: Investments: Fixed income securities (at fair value) $ 16.8 $ 29.8 Short-term investments (at fair value which approximates cost) 205.5 191.3 Total investments 222.4 221.2 Cash 4.1 0.8 Accrued investment income 0.1 0.9 Accounts and notes receivable 0.5 0.5 Federal income tax recoverable: Current — 2.2 Deferred 0.2 0.2 Other assets (a) 0.8 (31.1) Total assets $ 228.3 $ 194.8 Liabilities: Policy liabilities: Loss and loss adjustment expense reserves $ 49.6 $ 54.9 Unearned premiums — 0.1 Total policy liabilities 49.7 55.0 Commissions, expenses, fees, and taxes 0.1 1.2 Federal income tax payable: Current 0.3 — Other liabilities 0.3 0.5 Total liabilities $ 50.5 $ 56.8 _________ (a) Other assets as of December 31, 2023 is presented net of a valuation allowance of $34.5 which was recorded upon remeasurement of the disposal group to fair value.

Investments (Tables)

Investments (Tables)	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Amortized Cost and Estimated Fair Values Of Fixed Maturities	Amortized Gross Gross Fair Value Fixed Income Securities by Type: December 31, 2024: Government & Agency $ 1,950.5 $ 2.7 $ 61.3 $ 1,891.9 Municipal 319.6 — 1.6 317.9 Corporate 9,905.8 76.7 100.8 9,881.7 $ 12,175.9 $ 79.4 $ 163.8 $ 12,091.5 December 31, 2023: Government & Agency $ 1,920.3 $ 3.2 $ 64.6 $ 1,858.9 Municipal 774.5 0.2 7.1 767.6 Corporate 9,568.1 135.5 190.3 9,513.3 $ 12,263.0 $ 139.0 $ 262.0 $ 12,139.9
Amortized Cost and Estimated Fair Values Of Fixed Maturities By Contractual Maturities	Amortized Fair Value Fixed Income Securities Stratified by Contractual Maturity at December 31, 2024: Due in one year or less $ 1,444.1 $ 1,437.4 Due after one year through five years 5,831.1 5,787.7 Due after five years through ten years 4,556.6 4,529.9 Due after ten years 343.9 336.4 $ 12,175.9 $ 12,091.5
Gross Unrealized Losses and Fair Value, Aggregated	Less than 12 Months 12 Months or Greater Total Fair Unrealized Losses Fair Unrealized Losses Fair Unrealized Losses December 31, 2024: Fixed Income Securities: Government & Agency $ 678.0 $ 17.9 $ 679.2 $ 43.4 $ 1,357.3 $ 61.3 Municipal 14.4 — 289.2 1.6 303.6 1.6 Corporate 3,683.0 57.1 1,763.2 43.6 5,446.2 100.8 $ 4,375.5 $ 75.0 $ 2,731.7 $ 88.7 $ 7,107.2 $ 163.8 December 31, 2023: Fixed Income Securities: Government & Agency $ 461.0 $ 2.7 $ 1,179.3 $ 61.8 $ 1,640.4 $ 64.6 Municipal 173.1 0.8 554.7 6.2 727.9 7.1 Corporate 853.3 8.2 4,270.9 182.0 5,124.3 190.3 $ 1,487.6 $ 11.8 $ 6,005.1 $ 250.2 $ 7,492.7 $ 262.0
Equity Securities Reflecting Reported Adjusted Cost	Equity Securities Cost Gross Gross Fair Value December 31, 2024 $ 1,410.7 $ 1,148.6 $ 18.6 $ 2,540.7 December 31, 2023 $ 1,511.9 $ 1,164.7 $ 15.7 $ 2,660.8
Fair Value, Assets Measured on Recurring Basis	Fair Value Measurements As of December 31, 2024: Level 1 Level 2 Level 3 Total Fixed income securities: Government & Agency $ 1,652.7 $ 239.1 $ — $ 1,891.9 Municipal — 317.9 — 317.9 Corporate — 9,862.2 19.4 9,881.7 Short-term investments 1,403.7 — — 1,403.7 Equity securities $ 2,538.5 $ — $ 2.1 $ 2,540.7 As of December 31, 2023: Fixed income securities: Government & Agency $ 1,379.8 $ 479.1 $ — $ 1,858.9 Municipal — 767.6 — 767.6 Corporate — 9,493.7 19.5 9,513.3 Short-term investments 1,032.6 — — 1,032.6 Equity securities $ 2,653.8 $ — $ 7.0 $ 2,660.8
Investment Income	Years Ended December 31: 2024 2023 2022 Investment income from: Fixed income securities $ 521.0 $ 438.8 $ 314.4 Equity securities 79.3 92.1 132.5 Short-term investments 72.8 50.9 17.9 Other investments (a) 27.6 17.0 4.3 Gross investment income 700.8 598.9 469.3 Investment expenses (a) 27.7 20.6 9.7 Net investment income $ 673.1 $ 578.3 $ 459.5 Net investment gains (losses): Realized from actual transactions: Fixed income securities: Gains $ 2.7 $ 1.2 $ 2.6 Losses (114.8) (181.9) (190.2) Net (112.1) (180.7) (187.6) Equity securities: Gains 208.1 214.5 486.5 Losses (1.5) (51.4) (111.9) Net 206.5 163.0 374.5 Other investments, net — 2.4 (1.2) Total realized from actual transactions 94.3 (15.2) 185.7 From impairments (b) (5.4) (51.8) (123.5) From unrealized changes in fair value of equity securities (18.9) (123.9) (263.4) Total realized and unrealized investment gains (losses) 69.9 (190.9) (201.1) Current and deferred income taxes (credits) 14.2 (40.0) (42.5) Net of tax realized and unrealized investment gains (losses) $ 55.7 $ (150.8) $ (158.6) Changes in unrealized investment gains (losses) reflected directly in shareholders' equity on: Fixed income securities $ 39.5 $ 464.1 $ (824.7) Less: Deferred income taxes (credits) 8.7 97.7 (174.1) 30.7 366.3 (650.5) Other investments 0.1 5.7 (8.5) Less: Deferred income taxes (credits) — 1.1 (1.8) 0.1 4.5 (6.7) Net changes in unrealized investment gains (losses), net of tax $ 30.9 $ 370.8 $ (657.3) _________ (a) Includes interest on funds held. (b) Includes loss on sale of RMICC for 2023 and 2024, respectively, as described in Note 2.

Deferred Policy Acquisition C_2

Deferred Policy Acquisition Cost (Tables)	12 Months Ended
	Dec. 31, 2024
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Capitalization of Deferred Policy Acquisition Costs	Years Ended December 31: 2024 2023 2022 Deferred, beginning of year $ 417.8 $ 382.5 $ 350.4 Policy acquisition costs deferred: Commissions, net of reinsurance 645.6 495.0 423.3 Premium taxes 173.0 161.0 147.1 Salaries and other underwriting expenses 64.7 59.3 53.0 Subtotal 883.5 715.3 623.5 Amortization charged to income (770.0) (680.1) (591.4) Change for the year 113.4 35.2 32.0 Deferred, end of year $ 531.3 $ 417.8 $ 382.5 The Company recently added a large auto warranty account that requires recording premiums and commissions that represent the mark-up a dealer charges for the insurance policy issued by the Company. This retail mark-up effectively increases premiums with an offset to commissions, both of which are subject to deferral and amortization over the life of the policy.

Losses, Claims and Settlement_2

Losses, Claims and Settlement Expenses (Tables)	12 Months Ended
	Dec. 31, 2024
Insurance [Abstract]
Schedule of Changes in Aggregate Reserves for the Company's Losses, Claims and Settlement Expenses	The following table shows changes in aggregate reserves for the Company's loss and loss adjustment expenses: Years Ended December 31: 2024 (a) 2023 2022 Gross reserves at beginning of year $ 12,538.2 $ 12,221.5 $ 11,425.5 Less: reinsurance losses recoverable 4,977.7 4,699.5 4,125.3 Net reserves at beginning of year: Specialty Insurance 6,955.2 6,824.8 6,587.0 Title Insurance 598.5 612.8 594.2 Other 6.6 84.2 118.9 Subtotal 7,560.4 7,521.9 7,300.2 Incurred loss and loss adjustment expenses: Provisions for insured events of the current year: Specialty Insurance 3,081.9 2,770.7 2,545.1 Title Insurance 89.8 93.6 139.6 Other 7.0 22.4 26.3 Subtotal 3,178.8 2,886.8 2,711.1 Change in provision for insured events of prior years: Specialty Insurance (106.2) (234.0) (193.1) Title Insurance (43.6) (44.9) (50.4) Other (1.9) (26.9) (39.0) Subtotal (151.9) (305.8) (282.6) Total incurred loss and loss adjustment expenses 3,026.8 2,581.0 2,428.4 Payments: Loss and loss adjustment expenses attributable to insured events of the current year: Specialty Insurance 1,004.7 930.6 834.4 Title Insurance 11.1 14.4 13.1 Other 3.0 4.8 5.0 Subtotal 1,018.8 949.8 852.7 Loss and loss adjustment expenses attributable to insured events of prior years: Specialty Insurance 1,584.6 1,475.6 1,279.8 Title Insurance 60.8 48.7 57.3 Other 2.3 13.3 16.8 Subtotal 1,647.8 1,537.7 1,354.0 Total payments 2,666.7 2,487.6 2,206.7 RFIG Run-off reserves reclassified to liabilities held-for-sale (a) — 54.9 — Net reserves at end of year: Specialty Insurance 7,341.5 6,955.2 6,824.8 Title Insurance 572.7 598.5 612.8 Other 6.4 6.6 84.2 Subtotal 7,920.6 7,560.4 7,521.9 Reinsurance losses recoverable 5,807.1 4,977.7 4,699.5 Gross reserves at end of year $ 13,727.7 $ 12,538.2 $ 12,221.5 _________ (a) RFIG Run-off reserves were classified as held-for-sale as of December 31, 2023 in the consolidated balance sheet. Loss reserve activity for this business, which was immaterial for 2024, is excluded from the 2024 column of the table above. See Note 2 for further discussion.
Schedule of Incurred and Paid Loss Development Tables for Major Types of Insurance Coverages	The following represents the Company's incurred and paid loss development tables for the major types of insurance coverages as of December 31, 2024. The information about incurred and paid claims development for the years ended December 31, 2014 to 2022 is presented as supplementary information. Workers' Compensation Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted) As of December 31, 2024 Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses Cumulative Number of Reported Losses* For the Years Ended December 31, Accident Supplementary Information (Unaudited) Year 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2015 $ 794.3 $ 792.6 $ 787.3 $ 785.5 $ 769.1 $ 742.4 $ 695.8 $ 659.8 $ 622.3 $ 601.1 $ 56.0 55,251 2016 756.1 752.9 745.7 730.5 712.6 692.8 624.2 584.9 557.6 65.5 52,506 2017 727.0 713.9 700.3 683.4 676.3 654.2 609.3 578.8 71.0 51,806 2018 698.6 691.5 681.0 665.9 644.8 605.4 562.3 98.4 52,409 2019 664.6 657.4 653.2 667.5 658.8 634.4 119.4 51,939 2020 560.9 569.4 571.7 574.7 581.0 132.8 45,937 2021 500.3 502.4 493.8 486.4 126.5 46,678 2022 488.1 487.4 493.4 138.6 47,205 2023 491.7 498.5 191.5 46,735 2024 495.3 274.1 36,224 Total $ 5,489.2 (A) * Reported losses are accumulated on an individual claimant basis and exclude external reinsurance assumed and participation in residual market pools as claim frequency information is not available. Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance For the Years Ended December 31, Accident Supplementary Information (Unaudited) Year 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2015 $ 109.0 $ 274.9 $ 379.3 $ 435.1 $ 466.7 $ 484.7 $ 499.8 $ 507.3 $ 512.7 $ 515.9 2016 102.5 253.5 334.4 383.5 408.4 425.2 435.8 442.5 448.9 2017 99.6 244.6 334.8 383.1 414.3 444.1 453.5 463.6 2018 94.8 240.6 320.5 367.2 396.8 416.0 426.4 2019 102.9 239.8 329.6 382.3 412.2 441.4 2020 84.3 211.6 284.3 329.7 363.7 2021 80.1 187.8 252.9 289.3 2022 74.2 188.2 256.1 2023 75.5 197.2 2024 84.8 Total $ 3,487.8 (B) Net incurred loss and allocated loss adjustment expenses (A) $ 5,489.2 Less: net paid loss and allocated loss adjustment expenses (B) 3,487.8 Subtotal 2,001.3 All outstanding liabilities before 2015, net of reinsurance 774.9 Liabilities for loss and allocated loss adjustment expenses, net of reinsurance $ 2,776.3 Commercial Auto Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance As of December 31, 2024 Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses Cumulative Number of Reported Losses* For the Years Ended December 31, Accident Supplementary Information (Unaudited) Year 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2015 $ 712.4 $ 710.5 $ 729.7 $ 721.4 $ 720.7 $ 703.4 $ 700.6 $ 699.9 $ 699.5 $ 699.3 $ 1.0 104,832 2016 755.9 768.9 786.0 780.8 779.3 762.1 754.9 752.9 752.7 3.3 110,773 2017 788.7 819.1 869.2 874.4 867.9 847.1 843.0 837.5 3.8 117,666 2018 883.2 947.9 989.9 992.1 976.1 971.3 967.9 13.9 129,379 2019 931.1 959.7 954.8 947.4 942.0 943.4 16.1 138,817 2020 941.1 913.7 854.0 845.5 820.4 37.5 118,255 2021 989.4 954.6 935.3 931.1 62.3 126,584 2022 1,074.2 1,044.5 1,021.2 78.0 127,282 2023 1,204.1 1,225.5 98.7 130,069 2024 1,367.9 7.4 110,870 $ 9,567.2 (A) * Reported losses are accumulated on an individual claimant basis and exclude external reinsurance assumed and participation in residual market pools as claim frequency information is not available. Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance For the Years Ended December 31, Accident Supplementary Information (Unaudited) Year 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2015 $ 265.1 $ 438.9 $ 541.8 $ 626.2 $ 669.7 $ 680.6 $ 687.3 $ 693.0 $ 695.4 $ 696.7 2016 290.2 469.6 585.1 677.8 710.8 725.5 737.3 742.7 747.1 2017 307.9 512.0 657.1 746.5 791.2 814.1 826.9 832.7 2018 330.0 557.5 730.4 836.7 900.0 924.1 941.8 2019 330.4 549.0 681.6 787.2 875.3 906.8 2020 290.1 464.3 602.2 692.7 745.5 2021 302.7 508.6 662.9 778.6 2022 354.8 606.8 761.9 2023 424.4 706.6 2024 463.9 $ 7,582.0 (B) Net incurred loss and allocated loss adjustment expenses (A) $ 9,567.2 Less: net paid loss and allocated loss adjustment expenses (B) 7,582.0 Subtotal 1,985.2 All outstanding liabilities before 2015, net of reinsurance 7.9 Liabilities for loss and allocated loss adjustment expenses, net of reinsurance $ 1,993.2 General Liability Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance As of December 31, 2024 Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses Cumulative Number of Reported Losses* For the Years Ended December 31, Accident Supplementary Information (Unaudited) Year 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2015 $ 96.0 $ 96.3 $ 99.2 $ 102.3 $ 104.8 $ 105.8 $ 99.8 $ 99.2 $ 99.0 $ 100.2 $ 12.5 5,191 2016 92.4 96.7 98.8 100.3 101.0 104.4 98.8 95.9 92.9 11.6 82,877 2017 111.2 121.4 129.6 132.8 135.2 138.0 143.9 146.4 16.7 459,840 2018 120.5 119.7 125.1 135.5 141.9 152.0 148.9 22.8 460,877 2019 133.5 131.9 138.7 146.0 146.9 147.1 31.1 375,121 2020 112.4 111.7 114.9 116.1 121.1 42.8 5,221 2021 94.2 92.7 99.0 111.6 31.9 4,890 2022 97.8 100.7 110.4 36.4 4,733 2023 132.6 138.7 66.4 18,353 2024 201.3 140.8 11,814 $ 1,319.0 (A) * Reported losses are accumulated on an individual claimant basis and exclude external reinsurance assumed and participation in residual market pools as loss frequency information is not available. The increases beginning in 2016 are due to the addition of a national account with higher frequency yet lower severity than the existing book of business for accident years 2016 through 2019. Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance For the Years Ended December 31, Accident Supplementary Information (Unaudited) Year 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2015 $ 6.3 $ 16.0 $ 29.5 $ 47.4 $ 64.5 $ 70.7 $ 75.0 $ 79.9 $ 82.5 $ 84.3 2016 7.1 18.5 34.8 47.7 58.0 66.9 71.9 75.1 77.7 2017 5.7 25.9 50.1 76.9 95.5 105.3 113.2 120.3 2018 6.9 28.8 48.9 71.0 91.0 102.0 113.8 2019 6.4 29.5 53.4 72.1 87.8 102.0 2020 4.2 12.4 28.5 45.0 66.2 2021 5.6 14.7 30.9 50.7 2022 6.4 22.2 39.4 2023 3.9 22.3 2024 6.4 $ 683.6 (B) Net incurred loss and allocated loss adjustment expenses (A) $ 1,319.0 Less: net paid loss and allocated loss adjustment expenses (B) 683.6 Subtotal 635.3 All outstanding liabilities before 2015, net of reinsurance 181.6 Liabilities for loss and allocated loss adjustment expenses, net of reinsurance $ 817.0 Financial Indemnity Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance As of December 31, 2024 Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses Cumulative Number of Reported Losses* For the Years Ended December 31, Accident Supplementary Information (Unaudited) Year 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2015 $ 73.4 $ 68.2 $ 64.8 $ 63.7 $ 63.1 $ 62.8 $ 64.7 $ 71.6 $ 67.6 $ 67.2 $ 3.7 7,180 2016 75.4 77.4 75.0 74.5 73.8 72.9 68.2 67.9 67.9 5.5 8,706 2017 100.4 103.9 102.2 101.1 100.9 95.7 94.8 94.9 11.4 14,322 2018 120.8 112.7 113.3 124.2 161.6 161.4 161.5 19.1 19,705 2019 149.5 139.7 135.1 193.5 191.9 193.3 14.0 20,857 2020 156.9 153.1 148.2 146.1 144.0 46.2 14,578 2021 177.8 170.0 169.1 177.6 84.6 6,374 2022 182.2 184.4 196.9 91.4 3,967 2023 173.6 197.5 109.3 5,164 2024 158.0 128.2 5,016 $ 1,459.1 (A) * Reported losses are accumulated on an individual claimant basis and exclude external reinsurance assumed and participation in residual market pools as claim frequency information is not available. Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance For the Years Ended December 31, Accident Supplementary Information (Unaudited) Year 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2015 $ 17.3 $ 29.2 $ 44.8 $ 47.0 $ 58.2 $ 58.2 $ 58.4 $ 63.6 $ 63.5 $ 63.5 2016 23.2 39.5 44.4 51.9 56.0 56.3 56.2 62.3 62.2 2017 38.1 62.2 63.4 65.9 76.2 76.6 76.7 82.8 2018 42.5 66.3 82.9 94.2 110.3 124.2 135.5 2019 46.4 74.2 84.8 115.4 138.1 159.0 2020 31.2 45.7 48.2 64.2 70.2 2021 14.4 24.7 31.0 51.2 2022 8.3 27.8 52.3 2023 15.7 44.9 2024 20.1 $ 742.1 (B) Net incurred loss and allocated loss adjustment expenses (A) $ 1,459.1 Less: net paid loss and allocated loss adjustment expenses (B) 742.1 Subtotal 717.0 All outstanding liabilities before 2015, net of reinsurance (1.7) Liabilities for loss and allocated loss adjustment expenses, net of reinsurance $ 715.2
Reconciliation of Incurred and Paid Loss Development Tables to Total Claim and Loss Adjustment Expense Reserves	The following represents a reconciliation of the incurred and paid loss development tables to total loss and loss adjustment expense reserves as reported in the consolidated balance sheets. December 31, 2024 2023 Net loss and allocated loss adjustment expense reserves: Workers' compensation (a) $ 2,604.5 $ 2,725.3 Commercial auto 1,993.2 1,808.4 General liability 817.0 705.5 Financial indemnity 715.2 652.7 Other short-duration insurance coverages 903.2 759.8 Subtotal 7,033.3 6,651.9 Reinsurance recoverable on loss reserves: Workers' compensation 2,048.4 1,998.2 Commercial auto 2,295.3 1,684.4 General liability 946.5 813.2 Financial indemnity 211.4 221.0 Other short-duration insurance coverages 302.9 256.9 Subtotal 5,804.7 4,973.6 Insurance coverages other than short-duration (b) 539.6 566.4 Unallocated loss adjustment expense reserves (c) 350.0 346.1 889.6 912.6 Gross loss and loss adjustment expense reserves $ 13,727.7 $ 12,538.2 __________ (a) Certain long-term disability type workers' compensation reserves are discounted to present value based on interest rates typically ranging from 3.0% to 3.5%. The amount of discount reflected in the year-end net reserves totaled $171.8 and $179.9 as of December 31, 2024 and 2023, respectively. Interest accretion of $29.2, $25.6, and $9.6 for the years ended December 31, 2024, 2023, and 2022, respectively, was recognized as unfavorable development of prior year reserves within loss and loss adjustment expenses in the consolidated statements of income. (b) RFIG Run-off loss reserves of $53.6 were classified as held-for-sale as of December 31, 2023. See Note 2 for further discussion. (c) RFIG Run-off unallocated loss adjustment expense reserves of $1.2 were classified as held-for-sale as of December 31, 2023. See Note 2 for further discussion.
Historical Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance	The table below is supplementary information and presents the historical average annual percentage payout of incurred losses by age, net of reinsurance. Supplementary Information (Unaudited) Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Workers' compensation 16.5 % 24.3 % 14.4 % 8.3 % 5.2 % 3.8 % 2.0 % 1.4 % 1.0 % 0.5 % Commercial auto 35.4 % 23.4 % 16.0 % 11.5 % 6.4 % 2.4 % 1.5 % 0.7 % 0.5 % 0.2 % General liability 4.7 % 12.1 % 15.1 % 15.6 % 13.7 % 7.9 % 5.8 % 4.4 % 2.7 % 1.8 % Financial indemnity 20.5 % 15.2 % 8.2 % 8.9 % 9.9 % 4.0 % 1.8 % 7.7 % (0.1) % — %

Reinsurance and Retention Lim_2

Reinsurance and Retention Limits (Tables)	12 Months Ended
	Dec. 31, 2024
Reinsurance and Retention Limits [Abstract]
Reinsurance Ceded and Other Related Data	Years Ended December 31: 2024 2023 2022 Specialty Insurance Written premiums: Direct $ 7,706.9 $ 6,776.4 $ 6,263.3 Assumed 106.8 96.6 90.0 Ceded $ 2,783.2 $ 2,516.7 $ 2,375.1 Earned premiums: Direct $ 7,221.8 $ 6,513.2 $ 6,021.0 Assumed 108.0 94.7 87.1 Ceded $ 2,652.8 $ 2,488.6 $ 2,299.5 Losses ceded $ 2,585.1 $ 1,795.9 $ 1,677.3

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Schedule of Effective Income Tax Rate Reconciliation	The provision for combined current and deferred income taxes (credits) reflected in the consolidated statements of income may not bear the usual relationship to income before income taxes (credits) as the result of permanent and other differences between pretax income or loss and taxable income or loss determined under existing tax regulations. The more significant differences, their effect on the statutory income tax rate (credit), and the resulting effective income tax rates (credits) are summarized below: Years Ended December 31: 2024 2023 2022 Statutory tax rate 21.0 % 21.0 % 21.0 % Tax rate increases (decreases): Tax-exempt interest (0.2) (0.4) (0.3) Dividends received exclusion (0.6) (1.0) (1.3) Meals and entertainment 0.3 0.3 0.2 Equity compensation (0.2) (0.1) 0.2 Other items - net — 0.1 0.1 Effective tax rate 20.3 % 19.9 % 19.9 %
Schedule of Deferred Tax Assets and Liabilities	The tax effects of temporary differences that give rise to significant portions of the Company's net deferred tax assets (liabilities) are as follows at the dates shown: December 31: 2024 2023 2022 Deferred Tax Assets: Loss and loss adjustment expense reserves $ 210.8 $ 214.9 $ 218.6 Pension and deferred compensation plans 18.9 23.8 22.6 Realized loss from sale of mortgage insurance business — 9.5 — Net operating loss carryforward 3.4 5.5 7.6 AMT credit carryforward 9.0 9.0 9.0 Operating leases 42.9 46.4 46.7 Other temporary differences 28.0 16.3 17.1 Total deferred tax assets 313.0 325.4 321.6 Deferred Tax Liabilities: Unearned premium reserves 23.9 46.3 63.3 Deferred policy acquisition costs 110.4 82.8 76.0 Amortization of fixed income securities 24.5 14.6 6.8 Net unrealized investment gains 219.1 214.4 141.3 Title plants and records 2.8 2.8 2.8 Tax reform transition adjustment on loss and loss adjustment expense reserves 3.2 6.7 10.3 Operating leases 37.7 40.9 41.9 Other temporary differences 20.5 22.5 20.1 Total deferred tax liabilities 442.1 431.0 362.5 Net deferred tax liabilities (a) $ (129.1) $ (105.6) $ (40.9) __________ (a) RFIG Run-off deferred tax assets of $0.3 and deferred tax liabilities of $0.1 were reclassified as held-for-sale as of December 31, 2023. See Note 2 for further discussion.

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2024
Compensation Related Costs [Abstract]
Schedule of Accumulated and Projected Benefit Obligations	The funded status of the Company's pension plan is reflected below. Years Ended December 31: 2024 2023 2022 Projected benefit obligation at beginning of year $ 456.4 $ 452.8 $ 604.6 Increases (decreases) during the year attributable to: Interest cost 22.5 23.4 16.4 Actuarial (gains) losses (18.7) 10.9 (138.7) Benefits paid (32.1) (30.7) (29.5) Net increase (decrease) for the year (28.2) 3.6 (151.8) Projected benefit obligation at end of year $ 428.2 $ 456.4 $ 452.8
Schedule of Changes in Fair Value of Plan Assets	Years Ended December 31: 2024 2023 2022 Fair value of net assets available for plan benefits At beginning of the year $ 520.6 $ 507.1 $ 556.0 Increases (decreases) during the year attributable to: Actual return on plan assets 30.7 44.2 (19.2) Benefits paid (32.1) (30.7) (29.5) Net increase (decrease) for year (1.3) 13.4 (48.8) Fair value of net assets available for plan benefits At end of the year $ 519.2 $ 520.6 $ 507.1
Schedule of Net Funded Status [Table Text Block]	Funded status $ 91.0 $ 64.1 $ 54.3 Amounts recognized in accumulated other comprehensive income $ (5.9) $ (27.8) $ (38.5)
Schedule of Assumptions Used	The projected benefit obligation and net periodic benefit cost for the Plan were determined using the following weighted-average assumptions: Projected Benefit Obligation Net Periodic Benefit Cost As of December 31: 2024 2023 2024 2023 2022 Settlement discount rates 5.65 % 5.15 % 5.15 % 5.40 % 2.80 % Long-term rates of return on plan assets N/A N/A 5.50 % 4.60 % 7.00 %
Schedule of Weighted Average Asset Allocations Of Benefit Plans	The weighted-average asset allocations of the Plan were as follows: Current Investment Policy Asset Allocation % Range Target As of December 31: 2024 2023 Equity securities: Common shares of Company stock 19.7 % 16.0 % 0% to 25% Fixed income securities 72.9 78.1 75% to 100% Other 7.4 5.9 1% to 10% Total 100.0 % 100.0 %
Schedule of Allocation of Plan Assets	The following tables present a summary of the Plan's assets segregated among the various input levels described in Note 3. Fair Value Measurements As of December 31, 2024: Level 1 Level 2 Level 3 Total Equity securities: Company stock $ 102.3 $ — $ — $ 102.3 Fixed income securities 2.9 375.7 — 378.6 Other 22.7 — 7.2 29.9 Total at fair value $ 128.1 $ 375.7 $ 7.2 511.0 Securities at net asset value 8.1 Total $ 519.2 As of December 31, 2023: Equity securities: Company stock $ 83.1 $ — $ — $ 83.1 Fixed income securities 3.7 402.7 — 406.5 Other 17.0 — 7.3 24.3 Total at fair value $ 103.9 $ 402.7 $ 7.3 514.0 Securities at net asset value 6.5 Total $ 520.6
Schedule of Expected Benefit Payments	The following table presents a summary of the benefits expected to be paid as of December 31, 2024 for the next 10 years: 2025 2026 2027 2028 2029 2030 and after December 31, 2024 $ 34.5 $ 35.4 $ 34.8 $ 34.7 $ 34.8 $ 167.7
Schedule of Stock Based Compensation and Tax Benefit	Years Ended December 31: 2024 2023 2022 Stock-based compensation expense $ 33.2 $ 19.5 $ 9.0 Income tax benefit $ 6.9 $ 4.1 $ 1.8
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions	The following table presents the key assumptions used to value the option awards granted during the periods presented. Expected volatilities are based on the historical experience of Old Republic's common stock. The expected term of stock options represents the period of time that stock options granted are assumed to be outstanding. The Company uses historical data to estimate the effect of stock option exercise and employee departure behavior; groups of employees that have similar historical behavior are considered separately for valuation purposes. The risk-free rate of return for periods within the contractual term of the share option is based on the U.S. Treasury rate in effect at the time of the grant. 2024 2023 2022 Expected volatility 0.23 0.23 0.22 Expected dividends 4.55 % 4.66 % 4.32 % Expected term (in years) 7 6 6 Risk-free rate 4.15 % 3.69 % 2.68 %
Schedule of Share-based Compensation, Stock Options, Activity	A summary of stock option activity under the 2022 and 2016 Incentive Plans as of December 31, 2024, 2023, and 2022, and changes in outstanding options during the years then ended is presented below: 2024 2023 2022 Shares Weighted Shares Weighted Shares Weighted Outstanding at beginning of year 10,870,214 $ 22.10 9,619,004 $ 20.68 8,344,470 $ 19.57 Granted 1,320,179 29.31 2,990,000 25.22 2,660,000 23.28 Exercised 1,951,544 20.91 1,694,106 19.49 1,285,783 18.94 Forfeited and expired 142,537 24.20 44,684 22.04 99,683 19.78 Outstanding at end of year 10,096,312 23.25 10,870,214 22.10 9,619,004 20.68 Exercisable at end of year 5,538,335 $ 21.32 4,790,571 $ 20.31 4,562,063 $ 19.53 Weighted average fair value of options granted during the year (a) $ 4.89 per share $ 3.76 per share $ 3.31 per share __________ (a) Based on the Black-Scholes-Merton option pricing model and the assumptions outlined above.
Schedule of Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding	A summary of stock options outstanding and exercisable at December 31, 2024 follows: Options Outstanding Options Exercisable Weighted Average Weighted Exercise Prices Year of Grant Number Remaining Exercise Number $15.26 2015 54,349 0.25 $ 15.26 54,349 $ 15.26 $18.14 2016 161,189 1.25 18.14 161,189 18.14 $19.98 2017 276,998 2.25 19.98 276,998 19.98 $20.98 2018 409,116 3.25 20.98 409,116 20.98 $21.12 to $21.99 2019 610,658 4.25 21.18 610,658 21.18 $16.17 to $22.72 2020 1,018,192 5.25 17.44 1,001,692 17.35 $21.30 2021 1,543,138 6.25 21.30 1,069,002 21.30 $22.92 to $24.49 2022 2,056,146 7.25 23.35 1,202,114 23.39 $24.31 to $25.52 2023 2,682,247 8.25 25.21 753,217 25.22 $29.29 to $29.32 2024 1,284,279 9.25 29.31 — — Total 10,096,312 $ 23.25 5,538,335 $ 21.32
Schedule of Cash Proceeds Received from Share-based Payment Awards	The cash received from stock option exercises, the total intrinsic value of stock options exercised, and the actual tax benefit realized for the tax deductions from option exercises are as follows: 2024 2023 2022 Cash received from stock option exercise $ 40.8 $ 33.0 $ 24.3 Intrinsic value of stock options exercised 20.6 17.5 7.9 Actual tax benefit realized for tax deductions from stock options exercised $ 4.3 $ 3.6 $ 1.6
Share-based Payment Arrangement, Restricted Stock and Restricted Stock Unit, Activity	A summary of RSA and RSU award activity under the 2022 Incentive Plan as of December 31, 2024, 2023, and 2022, and changes in outstanding RSAs and RSUs during the years then ended is presented below: 2024 2023 2022 Weighted Weighted Weighted Average Average Average Grant Date Grant Date Grant Date Awards Fair Value Awards Fair Value Awards Fair Value Nonvested at beginning of year 1,257,116 $ 24.67 659,874 $ 23.70 33,539 $ 21.32 Granted 648,399 29.42 823,907 25.15 644,356 23.76 Vested 494,926 24.53 225,289 23.60 16,901 21.20 Forfeited 41,387 27.02 1,376 25.05 1,120 22.34 Nonvested at end of year 1,369,202 $ 26.89 1,257,116 $ 24.67 659,874 $ 23.70
Share-Based Payment Arrangement, Performance Shares, Activity	A summary of PSUs activity under the 2022 Incentive Plan as of December 31, 2024 and changes in outstanding PSUs during the year then ended is presented below: 2024 Weighted Average Grant Date Awards Fair Value Nonvested at beginning of year — $ — Granted 633,837 29.31 Vested — — Forfeited 17,639 29.32 Nonvested at end of year 616,198 $ 29.31
Schedule of Profit Sharing and Other Incentive Compensation Programs	The Company has a number of profit sharing and other incentive compensation programs for the benefit of a substantial number of its employees. The costs related to such programs are summarized below: Years Ended December 31: 2024 2023 2022 ORI 401(k) Savings and Profit Sharing Plan $ 58.2 $ 65.8 $ 77.8 Cash, deferred and other incentive compensation $ 77.2 $ 81.2 $ 70.3

Net Income Per Share (Tables)

Net Income Per Share (Tables)	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Schedule of Calculation of Numerator and Denominator in Earnings Per Share	The following table provides a reconciliation of net income and the number of shares used in basic and diluted earnings per share calculations. Years Ended December 31: 2024 2023 2022 Numerator: Net Income $ 852.7 $ 598.6 $ 686.4 Denominator: Basic weighted-average shares (a) 258,032,085 282,732,526 301,676,941 Effect of dilutive securities - stock-based compensation awards 4,848,546 2,738,538 1,619,671 Diluted adjusted weighted-average shares (a) 262,880,631 285,471,064 303,296,612 Earnings per share: Basic $ 3.30 $ 2.12 $ 2.28 Diluted $ 3.24 $ 2.10 $ 2.26 Anti-dilutive common stock equivalents excluded from earnings per share computations: Stock-based compensation awards — 2,234,500 2,645,750 __________ (a) In calculating earnings per share, accounting standards require that common shares owned by the ORI 401(k) Plan that are unallocated to participants in the plan be excluded from the calculation. Such shares are issued and outstanding and have the same voting and other rights applicable to all other common shares.

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
Schedule of debt	Consolidated debt of Old Republic and its subsidiaries is summarized below: Years Ended December 31: 2024 2023 Carrying Fair Carrying Fair 4.875% issued in 2014 and due 2024 $ — $ — $ 399.5 $ 397.0 3.875% issued in 2016 and due 2026 549.0 541.4 548.5 530.4 5.750% issued in 2024 and due 2034 396.2 401.3 — — 3.850% issued in 2021 and due 2051 643.4 458.0 643.1 472.7 Total debt $ 1,588.7 $ 1,400.7 $ 1,591.2 $ 1,400.3
Fair Value, Debt Measured on Recurring Basis	The following table shows a summary of financial liabilities disclosed, but not carried, at fair value, segregated among the various input levels as described in Note 3: Carrying Fair Value Value Level 1 Level 2 Level 3 Financial Liabilities: Debt: December 31, 2024 $ 1,588.7 $ 1,400.7 $ — $ 1,400.7 $ — December 31, 2023 $ 1,591.2 $ 1,400.3 $ — $ 1,400.3 $ —

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Lessee, Operating Lease, Liability, Maturity	The following table presents a summary of future undiscounted lease payments as of the dates shown: As of December 31: 2024 2023 Year 1 $ 57.9 $ 58.1 Year 2 45.5 51.0 Year 3 36.0 38.1 Year 4 28.4 29.0 Year 5 20.8 22.0 Thereafter 70.0 82.1 Total 258.8 280.6 Discount 54.7 60.4 Lease Liability $ 204.0 $ 220.2

Consolidated Quarterly Result_2

Consolidated Quarterly Results - Unaudited (Tables)	12 Months Ended
	Dec. 31, 2024
Quarterly Financial Information Disclosure [Abstract]
Schedule of Quarterly Financial Information	In management's opinion, normal recurring adjustments necessary for a fair statement of quarterly results have been reflected in the information which follows. 1st 2nd 3rd 4th Year Ended December 31, 2024: Operating Summary: Net premiums, fees, and other income $ 1,684.6 $ 1,844.7 $ 1,972.9 $ 1,986.1 Net investment income and investment gains (losses) 331.3 26.9 368.8 15.9 Total revenues 2,015.9 1,871.7 2,341.7 2,002.0 Total expenses 1,617.2 1,758.3 1,914.8 1,871.3 Net income $ 316.7 $ 91.8 $ 338.9 $ 105.1 Net income per share: Basic $ 1.17 $ 0.35 $ 1.35 $ 0.43 Diluted $ 1.15 $ 0.35 $ 1.32 $ 0.42 Average shares outstanding: Basic 271,725,775 260,796,757 251,640,055 247,179,561 Diluted 275,432,461 265,549,655 256,862,595 252,803,300 1st 2nd 3rd 4th Year Ended December 31, 2023: Operating Summary: Net premiums, fees, and other income $ 1,594.6 $ 1,689.3 $ 1,801.1 $ 1,785.6 Net investment income and investment gains (losses) 164.0 108.9 (40.9) 155.4 Total revenues 1,758.7 1,798.3 1,760.1 1,941.1 Total expenses 1,509.5 1,601.4 1,696.2 1,703.6 Net income (loss) $ 199.8 $ 155.5 $ 52.6 $ 190.6 Net income (loss) per share: Basic $ 0.68 $ 0.55 $ 0.19 $ 0.70 Diluted $ 0.68 $ 0.54 $ 0.19 $ 0.69 Average shares outstanding: Basic 291,945,750 285,426,801 277,010,690 274,036,118 Diluted 293,993,474 287,882,787 279,924,410 277,226,628

Information About Segments of_2

Information About Segments of Business (Tables)	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Schedule of segment reporting	The contributions of Old Republic's reportable segments to consolidated totals are shown in the following tables. Year Ended December 31, 2024: Specialty Insurance Title Insurance Corporate & Other (a) Consolidation Elimination Adjustments (b) Total Revenues: Net premiums written $ 5,030.5 $ 2,334.6 $ 15.9 $ — $ 7,381.0 Net premiums earned 4,677.0 2,334.6 14.6 — 7,026.4 Title, escrow, and other fees — 284.4 — — 284.4 Total premiums and fees 4,677.0 2,619.1 14.6 — 7,310.8 Other income 177.0 0.6 — — 177.6 Expenses (c): Loss and loss adjustment expenses 2,975.6 46.1 2.6 — 3,024.4 Dividends to policyholders 23.5 — — — 23.5 Underwriting, acquisition, and other expenses: Commissions 546.8 1,601.2 0.1 — 2,148.2 Insurance taxes, licenses, and fees 172.7 37.5 1.7 — 212.0 Subtotal 719.6 1,638.7 1.9 — 2,360.3 General expenses 771.1 855.1 49.7 — 1,676.0 Total underwriting, acquisition, and other expenses 1,490.8 2,493.8 51.7 — 4,036.4 Segment underwriting income (loss) 364.0 79.7 (39.8) — 404.0 Add: Net investment income 546.5 63.2 127.0 (63.7) 673.1 Less: Interest and other charges (b) 62.3 (1.1) 79.8 (63.7) 77.3 Segment pretax operating income 848.3 144.1 7.3 — 999.8 Income taxes (credits) on above 173.4 30.3 (1.0) — 202.7 Net income excluding investment gains (losses) $ 674.8 $ 113.7 $ 8.4 $ — 797.0 Consolidated pretax investment gains (losses): Realized from actual transactions and impairments 88.8 Unrealized from changes in fair value of equity securities (18.9) Income taxes on above 14.2 Net of tax investment gains 55.7 Net income $ 852.7 Segment and consolidated combined ratio 92.2 % 97.0 % 93.9 % __________ (a) Includes the RFIG Run-off business through the effective date of its sale of May 31, 2024, a small life and accident insurance business, the parent holding company, and several internal corporate services subsidiaries. (b) Consolidation elimination adjustments include intercompany financing arrangements for which interest charges with Old Republic's parent holding company for the following reportable segments were: Specialty - $63.7 and Title - $–, for the year ended December 31, 2024. (c) The significant expense categories and amounts align with the segment-level information that is regularly provided to the chief operating decision maker. There are no other segment expenses that are part of reported segment profit or loss amounts that are not included in one of the above categories. Year Ended December 31, 2023: Specialty Insurance Title Insurance Corporate & Other (a) Consolidation Elimination Adjustments (b) Total Revenues: Net premiums written $ 4,356.3 $ 2,300.9 $ 25.6 $ — $ 6,682.9 Net premiums earned 4,119.2 2,300.9 25.6 — 6,445.9 Title, escrow, and other fees — 261.8 — — 261.8 Total premiums and fees 4,119.2 2,562.8 25.6 — 6,707.7 Other income 162.2 0.7 — — 163.1 Expenses (c): Loss and loss adjustment expenses 2,536.7 48.7 (5.4) — 2,580.0 Dividends to policyholders 16.5 — — — 16.5 Underwriting, acquisition, and other expenses: Commissions 465.3 1,608.1 0.1 — 2,073.6 Insurance taxes, licenses, and fees 159.8 18.7 4.4 — 183.1 Subtotal 625.2 1,626.8 4.6 — 2,256.7 General expenses 697.0 812.4 77.4 — 1,586.9 Total underwriting, acquisition, and other expenses 1,322.2 2,439.3 82.0 — 3,843.6 Segment underwriting income (loss) 406.0 75.4 (50.9) — 430.6 Add: Net investment income 462.7 57.0 135.0 (76.5) 578.3 Less: Interest and other charges (b) 80.9 (1.0) 67.2 (76.5) 70.5 Segment pretax operating income 787.8 133.5 16.9 — 938.4 Income taxes on above 158.3 27.7 2.7 — 188.8 Net income excluding investment gains (losses) $ 629.5 $ 105.8 $ 14.1 $ — 749.5 Consolidated investment gains (losses): Realized from actual transactions and impairments (67.0) Unrealized from changes in fair value of equity securities (123.9) Income tax credits on above (40.0) Net of tax investment losses (150.8) Net income $ 598.6 Segment and consolidated combined ratio 90.2 % 97.1 % 92.6 % __________ (a) Includes the RFIG Run-off business through the effective date of its sale of May 31, 2024, a small life and accident insurance business, the parent holding company, and several internal corporate services subsidiaries. (b) Consolidation elimination adjustments include intercompany financing arrangements for which interest charges with Old Republic's parent holding company for the following reportable segments were: Specialty - $76.5 and Title - $–, for the year ended December 31, 2023. (c) The significant expense categories and amounts align with the segment-level information that is regularly provided to the chief operating decision maker. There are no other segment expenses that are part of reported segment profit or loss amounts that are not included in one of the above categories. Year Ended December 31, 2022: Specialty Insurance Title Insurance Corporate & Other (a) Consolidation Elimination Adjustments (b) Total Revenues: Net premiums written $ 3,978.2 $ 3,500.6 $ 32.8 $ — $ 7,511.6 Net premiums earned 3,808.6 3,500.6 32.9 — 7,342.1 Title, escrow, and other fees — 333.2 — — 333.2 Total premiums and fees 3,808.6 3,833.8 32.9 — 7,675.3 Other income 148.9 0.9 — — 149.9 Expenses (c): Loss and loss adjustment expenses 2,352.0 89.1 (13.4) — 2,427.7 Dividends to policyholders 12.5 — — — 12.5 Underwriting, acquisition, and other expenses: Commissions 435.1 2,464.8 — — 2,899.9 Insurance taxes, licenses, and fees 161.1 73.5 3.8 — 238.4 Subtotal 596.2 2,538.3 3.7 — 3,138.4 General expenses 595.7 945.8 39.1 — 1,580.8 Total underwriting, acquisition, and other expenses 1,192.0 3,484.2 42.9 — 4,719.2 Segment underwriting income 400.9 261.3 3.5 — 665.8 Add: Net investment income 358.0 47.9 123.6 (70.0) 459.5 Less: Interest and other charges (b) 69.1 0.4 67.1 (70.0) 66.7 Segment pretax operating income 689.8 308.8 59.9 — 1,058.6 Income taxes on above 139.6 67.0 6.7 — 213.4 Net income excluding investment gains (losses) $ 550.1 $ 241.8 $ 53.1 $ — 845.1 Consolidated investment gains (losses): Realized from actual transactions and impairments 62.2 Unrealized from changes in fair value of equity securities (263.4) Income tax credits on above (42.5) Net of tax investment losses (158.6) Net income $ 686.4 Segment and consolidated combined ratio 89.5 % 93.2 % 91.0 % __________ (a) Includes the RFIG Run-off business through the effective date of its sale of May 31, 2024, a small life and accident insurance business, the parent holding company, and several internal corporate services subsidiaries. (b) Consolidation elimination adjustments include intercompany financing arrangements for which interest charges with Old Republic's parent holding company for the following reportable segments were: Specialty - $68.9 and Title - $0.8 for the year ended December 31, 2022. (c) The significant expense categories and amounts align with the segment-level information that is regularly provided to the chief operating decision maker. There are no other segment expenses that are part of reported segment profit or loss amounts that are not included in one of the above categories. December 31: 2024 2023 Consolidated Assets: Specialty Insurance $ 24,563.2 $ 22,710.5 Title Insurance 1,915.8 1,948.2 Total assets of Company segments 26,479.1 24,658.8 Corporate & Other (a) 1,532.4 2,145.8 Consolidation elimination adjustments (b) (168.4) (303.2) Consolidated assets $ 27,843.1 $ 26,501.4 __________ (a) Includes the RFIG Run-off business through the effective date of its sale of May 31, 2024, a small life and accident insurance business, the parent holding company and several internal corporate services subsidiaries. (b) Includes predominately intercompany debt and various reclassifications.

Transactions with Affiliates (T

Transactions with Affiliates (Tables)	12 Months Ended
	Dec. 31, 2024
Transactions with Affiliates [Abstract]
Transactions with Affiliates	Assumed from Old Republic Ceded to Old Republic Years Ended December 31: 2024 2023 2022 2024 2023 2022 Premiums earned $ 1.1 $ 0.7 $ 0.3 $ — $ — $ 0.1 Commissions and fees 0.3 0.1 0.1 — — — Losses and loss expenses 1.2 2.9 0.9 0.1 — 0.1 Loss and loss expense reserves $ 4.0 $ 4.3 $ 7.1 $ 1.3 $ 1.4 $ 2.7

Summary of Significant Accoun_4

Summary of Significant Accounting Policies Accounting Principles (Details) - USD ($) $ in Millions		3 Months Ended								12 Months Ended
		Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Total Common Shareholders' Equity		$ 5,618.9				$ 6,410.7				$ 5,618.9	$ 6,410.7
Net Income		$ 105.1	$ 338.9	$ 91.8	$ 316.7	$ 190.6	$ 52.6	$ 155.5	$ 199.8	$ 852.7	$ 598.6	$ 686.4
Specialty Insurance Segment [Member]
Risk based capital		549%				609%				549%	609%
Costs and Expenses [Member] | Significant Reconciling Items [Member]
Total statutory net income (loss)										$ 824.9	$ 684.3	860.8
Costs and Expenses [Member] | Deferred Policy Acquisition Costs [Member]
Statutory net income amount										50.5	34.9	26.3
Costs and Expenses [Member] | Investment adjustment [Member]
Statutory net income amount										(13.9)	(109.1)	(252.4)
Costs and Expenses [Member] | Non-admitted Assets [Member]
Statutory net income amount										0	0	0
Costs and Expenses [Member] | Deferred Income Taxes [Member]
Statutory net income amount										(6.4)	26.2	35.4
Costs and Expenses [Member] | Mortgage Contingency Reserves [Member]
Statutory net income amount										0	0	0
Costs and Expenses [Member] | Title insurance premium reserves [Member]
Statutory net income amount										(22.8)	(43.7)	42.5
Costs and Expenses [Member] | Losses, claims and settlement expenses [Member]
Statutory net income amount										26.7	17.1	(25.2)
Costs and Expenses [Member] | Surplus Notes [Member]
Statutory net income amount										0	0	0
Costs and Expenses [Member] | Sundry Adjustments [Member]
Statutory net income amount										(6.4)	(11.2)	(0.7)
Costs and Expenses [Member] | Adjustment to US-GAAP
Statutory net income amount										27.6	(85.7)	(174.4)
Stockholders Equity [Member] | Significant Reconciling Items [Member]
Total statutory capital		$ 5,675				$ 6,527.9				5,675	6,527.9
Stockholders Equity [Member] | Deferred Policy Acquisition Costs [Member]
Statutory capital and surplus, balance		338.2				286.7				338.2	286.7
Stockholders Equity [Member] | Investment adjustment [Member]
Statutory capital and surplus, balance		(79.1)				(102.6)				(79.1)	(102.6)
Stockholders Equity [Member] | Non-admitted Assets [Member]
Statutory capital and surplus, balance		283.8				207.3				283.8	207.3
Stockholders Equity [Member] | Deferred Income Taxes [Member]
Statutory capital and surplus, balance		(136.2)				(95.1)				(136.2)	(95.1)
Stockholders Equity [Member] | Mortgage Contingency Reserves [Member]
Statutory capital and surplus, balance		0				38.4				0	38.4
Stockholders Equity [Member] | Title insurance premium reserves [Member]
Statutory capital and surplus, balance		710.8				733.7				710.8	733.7
Stockholders Equity [Member] | Losses, claims and settlement expenses [Member]
Statutory capital and surplus, balance		(507.4)				(535.8)				(507.4)	(535.8)
Stockholders Equity [Member] | Surplus Notes [Member]
Statutory capital and surplus, balance		(719.5)				(696.5)				(719.5)	(696.5)
Stockholders Equity [Member] | Sundry Adjustments [Member]
Statutory capital and surplus, balance		53.1				46.4				53.1	46.4
Stockholders Equity [Member] | Adjustment to US-GAAP
Statutory capital and surplus, balance		(56.3)				(117.5)				(56.3)	(117.5)
Insurance Subsidiaries [Member] | Costs and Expenses [Member]
Total statutory net income (loss)	[1]									850.3	761.6	849.6
Insurance Subsidiaries [Member] | Costs and Expenses [Member] | Specialty Insurance Segment [Member]
Total statutory net income (loss)	[1]									700.4	594.3	549.2
Insurance Subsidiaries [Member] | Costs and Expenses [Member] | Title Insurance Group [Member]
Total statutory net income (loss)	[1]									140.1	152.3	224.9
Insurance Subsidiaries [Member] | Costs and Expenses [Member] | RFIG Run-off [Member]
Total statutory net income (loss)	[1],[2]									4.1	9.8	70.5
Insurance Subsidiaries [Member] | Costs and Expenses [Member] | Life & Accident Insurance [Member]
Total statutory net income (loss)	[1]									5.7	5.2	5
Insurance Subsidiaries [Member] | Stockholders Equity [Member]
Total statutory capital	[1]	5,432.9				5,469.4				5,432.9	5,469.4
Insurance Subsidiaries [Member] | Stockholders Equity [Member] | Specialty Insurance Segment [Member]
Total statutory capital	[1]	4,742.8				4,607.8				4,742.8	4,607.8
Insurance Subsidiaries [Member] | Stockholders Equity [Member] | Title Insurance Group [Member]
Total statutory capital	[1]	635.6				673.9				635.6	673.9
Insurance Subsidiaries [Member] | Stockholders Equity [Member] | RFIG Run-off [Member]
Total statutory capital	[1],[2]	0				131.1				0	131.1
Insurance Subsidiaries [Member] | Stockholders Equity [Member] | Life & Accident Insurance [Member]
Total statutory capital	[1]	54.5				56.6				54.5	56.6
NonInsurance Subsidiaries [Member] | Costs and Expenses [Member] | Significant Reconciling Items [Member]
Total statutory net income (loss)										(25.3)	(77.2)	$ 11.3
NonInsurance Subsidiaries [Member] | Stockholders Equity [Member] | Significant Reconciling Items [Member]
Total statutory capital		$ 242.2				$ 1,058.6				$ 242.2	$ 1,058.6
[1] The insurance laws of the respective states in which the Company’s insurance subsidiaries are incorporated prescribe minimum capital and surplus requirements for the lines of business they are licensed to write. For domestic property and casualty and life and accident insurance companies the National Association of Insurance Commissioners also prescribes risk-based capital (RBC) requirements. RBC is a measure of statutory capital in relationship to a formula-driven definition of risk relative to a company’s balance sheet and mix of business. The combined RBC ratio of the primary insurance subsidiaries contributing to the Specialty Insurance segment was 549% and 609% of the company action level RBC at December 31, 2024 and 2023, respectively. The minimum capital requirements for the Company’s Title Insurance subsidiaries are established by statute in the respective states of domicile. The minimum regulatory capital requirements are not significant in relationship to the recorded statutory capital of the Company’s Title and Life and Accident insurance subsidiaries. At December 31, 2024 and 2023 each of the Company’s insurance subsidiaries exceeded the minimum statutory capital and surplus requirements. (a) Includes activity through the effective date of its sale of May 31, 2024.

Summary of Significant Accoun_5

Summary of Significant Accounting Policies Revenue Recognition (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Title Premium And Fee Revenues Stemming From Direct Operations	23%	21%	19.50%
Non-insurance Contract Revenue	$ 232.3	$ 215.9	$ 210.1
Specialty Insurance Group [Member]
Contract Revenue - Claims Handling and Related Ancillary Services	157.1	145.1	132.8
Title Insurance Group [Member]
Non-insurance Contract Title Services	$ 64.5	$ 62.5	$ 69.2

Summary of Significant Accoun_6

Summary of Significant Accounting Policies - Performance Obligations (Details) - Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Start Date [Axis]: 2022-01-01	Dec. 31, 2024
Specialty Insurance Group [Member]
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Period	1 year
Title Insurance Group [Member]
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Period	1 year

Summary of Significant Accoun_7

Summary of Significant Accounting Policies Property and Equipment (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Property, Plant and Equipment [Line Items]
Depreciation	$ 39.3	$ 33	$ 28.3
Minimum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives of the assets	2 years
Maximum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives of the assets	27 years

Summary of Significant Accoun_8

Summary of Significant Accounting Policies Goodwill and Intangible Assets (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Goodwill [Line Items]
Goodwill	$ 179.6	$ 178.3

Summary of Significant Accoun_9

Summary of Significant Accounting Policies Escrow Funds (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Restricted Cash and Cash Equivalents Items [Line Items]
Liabilties Related to Escrow	$ 1,903.4	$ 1,817.1
Title Insurance Group [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Escrow Deposit	$ 1,903.4	$ 1,817.1

Discontinued Operations and D_3

Discontinued Operations and Disposal Groups (Details) - USD ($) $ in Millions		12 Months Ended		24 Months Ended
		Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2024	Dec. 31, 2022	Dec. 31, 2021
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Available-for-sale Securities		$ 12,091.5	$ 12,139.9	$ 12,091.5
Short-term investments		1,403.7	1,032.6	1,403.7
Total investments		16,079	15,867.7	16,079
Cash		201.9	202.8	201.9
Accrued investment income		127.9	117	127.9
Accounts and notes receivable		2,471.6	2,201.4	2,471.6
Federal income tax recoverable: Current		13.8	21.8	13.8
Total assets		27,843.1	26,501.4	27,843.1
Loss and loss adjustment expense reserves		13,727.7	12,538.2	13,727.7	$ 12,221.5	$ 11,425.5
Unearned premiums		3,505.4	3,042.7	3,505.4
Total policy liabilities		17,407.2	15,731.4	17,407.2
Commissions, expenses, fees, and taxes		547.5	532.9	547.5
Other liabilities		1,141.6	691.6	1,141.6
Total liabilities		22,224.1	20,090.7	22,224.1
Disposal Group, Including Discontinued Operation, Consideration		136.6		136.6
Disposal Group, Not Discontinued Operation, Gain (Loss) on Disposal		5.4	$ 45.6	51
Disposal Group, Not Discontinued Operation, Loss (Gain) on Write-down		34.5
Disposal Group, Not Discontinued Operation, Gain (Loss) on Disposal, Statement of Income or Comprehensive Income [Extensible Enumeration]			Consolidated revenues
Disposal Group, Not Discontinued Operations
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Available-for-sale Securities		16.8	$ 29.8	16.8
Short-term investments		205.5	191.3	205.5
Total investments		222.4	221.2	222.4
Cash		4.1	0.8	4.1
Accrued investment income		0.1	0.9	0.1
Accounts and notes receivable		0.5	0.5	0.5
Federal income tax recoverable: Current		0	2.2	0
Deferred Income Tax Assets, Net		0.2	0.2	0.2
Other assets	[1]	0.8	(31.1)	0.8
Total assets		228.3	194.8	228.3
Loss and loss adjustment expense reserves		49.6	54.9	49.6
Unearned premiums		0	0.1	0
Total policy liabilities		49.7	55	49.7
Commissions, expenses, fees, and taxes		0.1	1.2	0.1
Taxes Payable, Current		0.3	0	0.3
Other liabilities		0.3	0.5	0.3
Total liabilities		$ 50.5	$ 56.8	$ 50.5
[1] (a) Other assets as of December 31, 2023 is presented net of a valuation allowance of $34.5 which was recorded upon remeasurement of the disposal group to fair value.

Investments (Details)

Investments (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2024		Dec. 31, 2023		Dec. 31, 2022
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Debt Securities, Available-for-sale, Allowance for Credit Loss		$ 1.6		$ 1.6
Net Unrealized Gains Losses Recognized from Changes in Fair Value of Equity Securities Held		184		28.2		$ 42.3
Debt Securities, Available-for-sale, Amortized Cost		12,175.9
Fixed income securities (at fair value) (amortized cost: $12,175.9 and $12,263.0)		12,091.5		12,139.9
Debt Securities, Held-to-maturity, Fair Value		0		0
Fixed maturity securities, due in one year or less, amortized cost		1,444.1
Fixed maturity securities, due after one year through five years, amortized cost		5,831.1
Fixed maturity securities, due after five years through ten years, amortized cost		4,556.6
Fixed maturity securities, due after ten years, amortized cost		343.9
Fixed maturity securities, due in one year or less, estimated fair value		1,437.4
Fixed maturity securities, due after one year through five years, estimated fair value		5,787.7
Fixed maturity securities, due after five years through ten years, estimated fair value		4,529.9
Fixed maturity securities, due after ten years, estimated fair value		336.4
Bonds on deposit with Governmental Authorities		979.6		946
Equity Securities, FV-NI		2,540.7		2,660.8
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months		4,375.5		1,487.6
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		75		11.8
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer		2,731.7		6,005.1
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		88.7		250.2
Fixed maturity securities and equity, total, fair value		7,107.2		7,492.7
Unrealized from changes in fair value of equity securities		(18.9)		(123.9)		(263.4)
Gain (Loss) on Investments		69.9		(190.9)		(201.1)
Short-term investments		1,403.7		1,032.6
Gross investment income		700.8		598.9		469.3
Investment expenses	[1]	27.7		20.6		9.7
Net investment income		673.1		578.3		459.5
Realized gains on securities		2.7		1.2		2.6
Realized losses on securities		(114.8)		(181.9)		(190.2)
Net realized gains (losses)		55.7		(150.8)		(158.6)
OtherThanTemporaryImpairmentLossesCreditLossesOtherInvestmentsDebtSecutiriesRecognizedInEarnings				(6.2)
OtherThanTemporaryImpairmentLossesCreditLossesOtherInvestmentsDebtSecuritiesSaleOfSubsidiaryRecognizedInEarnings		(5.4)	[2]	(51.8)	[2]	(123.5)
Income taxes (credits)		14.2		(40)		(42.5)
Changes in unrealized investment gains (losses) on fixed maturity securities:		39.6		469.8		(833.3)
Deferred income taxes (credits)		8.7		98.9		(175.9)
Net unrealized gains (losses) on securities not included in the statements of income, net of tax		30.9		370.8		(657.3)
Realized from impairments						(123.5)
Total Common Shareholders' Equity		5,618.9		6,410.7
Debt Securities, Available-for-sale, Realized Gain (Loss)		(112.1)		(180.7)		(187.6)
Realized Investment Gains Losses From Sales		94.3		(15.2)		185.7
Debt Securities [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Gross investment income		521		438.8		314.4
Equity Securities [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Gross investment income		79.3		92.1		132.5
Short-term Investments [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Gross investment income		72.8		50.9		17.9
Investments [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Gross investment income	[1]	27.6		17		4.3
Fixed Maturity Securities, U S Canadian Governments [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Debt Securities, Available-for-sale, Amortized Cost		1,950.5		1,920.3
Fixed income securities (at fair value) (amortized cost: $12,175.9 and $12,263.0)		1,891.9		1,858.9
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months		678		461
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		17.9		2.7
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer		679.2		1,179.3
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		43.4		61.8
Fixed maturity securities and equity, total, fair value		1,357.3		1,640.4
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax		2.7		3.2
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax		61.3		64.6
US States and Political Subdivisions Debt Securities [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Debt Securities, Available-for-sale, Amortized Cost		319.6		774.5
Fixed income securities (at fair value) (amortized cost: $12,175.9 and $12,263.0)		317.9		767.6
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months		14.4		173.1
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		0		0.8
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer		289.2		554.7
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		1.6		6.2
Fixed maturity securities and equity, total, fair value		303.6		727.9
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax		0		0.2
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax		1.6		7.1
Corporate Debt Securities [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Debt Securities, Available-for-sale, Amortized Cost		9,905.8		9,568.1
Fixed income securities (at fair value) (amortized cost: $12,175.9 and $12,263.0)		9,881.7		9,513.3
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months		3,683		853.3
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		57.1		8.2
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer		1,763.2		4,270.9
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		43.6		182
Fixed maturity securities and equity, total, fair value		5,446.2		5,124.3
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax		76.7		135.5
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax		100.8		190.3
Equity Securities [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Equity securities, adjusted cost		1,410.7		1,511.9
Equity securities, gross unrealized gains		(1,148.6)		(1,164.7)
Equity securities, gross unrealized losses		(18.6)		(15.7)
Equity Securities, FV-NI, Current		2,540.7		2,660.8
Debt Securities [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Debt Securities, Available-for-sale, Amortized Cost		12,175.9		12,263
Fixed income securities (at fair value) (amortized cost: $12,175.9 and $12,263.0)		12,091.5		12,139.9
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax		79.4		139
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax		163.8		262
Fair Value, Inputs, Level 1 [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Short-term investments		1,403.7		1,032.6
Fair Value, Inputs, Level 1 [Member] | Fixed Maturity Securities, U S Canadian Governments [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Fixed income securities (at fair value) (amortized cost: $12,175.9 and $12,263.0)		1,652.7		1,379.8
Fair Value, Inputs, Level 1 [Member] | US States and Political Subdivisions Debt Securities [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Fixed income securities (at fair value) (amortized cost: $12,175.9 and $12,263.0)		0		0
Fair Value, Inputs, Level 1 [Member] | Corporate Debt Securities [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Fixed income securities (at fair value) (amortized cost: $12,175.9 and $12,263.0)		0		0
Fair Value, Inputs, Level 1 [Member] | Equity Securities [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Equity Securities, FV-NI, Current		2,538.5		2,653.8
Fair Value, Inputs, Level 2 [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Short-term investments		0		0
Fair Value, Inputs, Level 2 [Member] | Fixed Maturity Securities, U S Canadian Governments [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Fixed income securities (at fair value) (amortized cost: $12,175.9 and $12,263.0)		239.1		479.1
Fair Value, Inputs, Level 2 [Member] | US States and Political Subdivisions Debt Securities [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Fixed income securities (at fair value) (amortized cost: $12,175.9 and $12,263.0)		317.9		767.6
Fair Value, Inputs, Level 2 [Member] | Corporate Debt Securities [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Fixed income securities (at fair value) (amortized cost: $12,175.9 and $12,263.0)		9,862.2		9,493.7
Fair Value, Inputs, Level 2 [Member] | Equity Securities [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Equity Securities, FV-NI, Current		0		0
Fair Value, Inputs, Level 3 [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Short-term investments		0		0
Fair Value, Inputs, Level 3 [Member] | Fixed Maturity Securities, U S Canadian Governments [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Fixed income securities (at fair value) (amortized cost: $12,175.9 and $12,263.0)		0		0
Fair Value, Inputs, Level 3 [Member] | US States and Political Subdivisions Debt Securities [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Fixed income securities (at fair value) (amortized cost: $12,175.9 and $12,263.0)		0		0
Fair Value, Inputs, Level 3 [Member] | Corporate Debt Securities [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Fixed income securities (at fair value) (amortized cost: $12,175.9 and $12,263.0)		19.4		19.5
Fair Value, Inputs, Level 3 [Member] | Equity Securities [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Equity Securities, FV-NI, Current		2.1		7
Equity Securities [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Available-for-sale And Trading Securities, Gross Realized Gains		208.1		214.5		486.5
Available-for-sale And Trading Securities, Gross Realized Losses		(1.5)		(51.4)		(111.9)
Available-for-sale And Trading Securities, Net Realized Gains (Losses)		206.5		163		374.5
Other long-term investments [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Changes in unrealized investment gains (losses) on fixed maturity securities:		0.1		5.7		(8.5)
Deferred income taxes (credits)		0		1.1		(1.8)
Net changes in unrealized investment gains (losses)		0.1		4.5		(6.7)
Debt Securities [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Changes in unrealized investment gains (losses) on fixed maturity securities:		39.5		464.1		(824.7)
Deferred income taxes (credits)		8.7		97.7		(174.1)
Net changes in unrealized investment gains (losses)		30.7		366.3		(650.5)
Other investments [Member]
Schedule of Investment Income, Reported Amounts, by Category [Line Items]
Investment gains (losses) - other long-term investments		$ 0		$ 2.4		$ (1.2)
[1] (a) Includes interest on funds held. (b) Includes loss on sale of RMICC for 2023 and 2024, respectively, as described in Note 2.

Deferred Policy Acquisition C_3

Deferred Policy Acquisition Cost (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Business Acquisition [Line Items]
Deferred beginning of year	$ 417.8	$ 382.5	$ 350.4
Acquisition costs deferred; additions	883.5	715.3	623.5
Amortization charged to income	(770)	(680.1)	(591.4)
Change for the year	113.4	35.2	32
Deferred end of year	531.3	417.8	382.5
Commissions, net of reinsurance [Member]
Business Acquisition [Line Items]
Acquisition costs deferred; additions	645.6	495	423.3
Premium taxes [Member]
Business Acquisition [Line Items]
Acquisition costs deferred; additions	173	161	147.1
Salaries and other marketing expenses [Member]
Business Acquisition [Line Items]
Acquisition costs deferred; additions	$ 64.7	$ 59.3	$ 53

Losses, Claims and Settlement_3

Losses, Claims and Settlement Expenses - General (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Supplementary Insurance Information, by Segment
Short-Duration Insurance Contract, Discounted Liability, Discount	$ 171,800,000	$ 179,900,000
Interest Accretion Amount	29,200,000	25,600,000	$ 9,600,000
General liability insurance face amount	10,000,000
Losses, claims, and settlement expenses, gross	167,600,000	130,600,000
Losses, claims, and settlement expenses	$ 106,500,000	$ 87,500,000
Average five year survival ratio, gross	8 years 3 months 18 days	6 years 7 months 6 days
Average five year survival ratio, net	8 years 4 months 24 days	7 years 4 months 24 days
5 Year average A&E reserves to Specialty reserves	0.70%
Reinsurance, Amount Retained, Per Event	$ 500,000
Minimum [Member]
Supplementary Insurance Information, by Segment
Workers' compensation discount, percent	3%
General liability insurance face amount	$ 1,000,000
Maximum [Member]
Supplementary Insurance Information, by Segment
Workers' compensation discount, percent	3.50%
General liability insurance face amount	$ 2,000,000

Losses, Claims and Settlement_4

Losses, Claims and Settlement Expenses - Consolidated (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023		Dec. 31, 2022		Dec. 31, 2021
Supplementary Insurance Information, by Segment
Loss and loss adjustment expense reserves	$ 13,727.7	$ 12,538.2		$ 12,221.5		$ 11,425.5
Reinsurance Recoverables	5,807.1	4,977.7		4,699.5		4,125.3
Liability for Unpaid Claims and Claims Adjustment Expense, Net		7,560.4		7,521.9		7,300.2
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims Current Year	3,178.8	2,886.8		2,711.1
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims, Prior Years	(151.9)	(305.8)		(282.6)
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims	3,026.8	2,581		2,428.4
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year	1,018.8	949.8		852.7
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years	1,647.8	1,537.7		1,354
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, excluding the reclassification of Consumer Credit Indemnity coverage	2,666.7	2,487.6		2,206.7
Liability for Unpaid Claims and Claims Adjustment Expense, Net of Reinsurance Losses Recoverable	$ 7,920.6	$ 7,560.4		$ 7,521.9
One year development of consolidated reserves	2%	4.10%		3.90%
Three year average annual development of consolidated reserves	3.30%
Disposal Group, Not Discontinued Operations
Supplementary Insurance Information, by Segment
Loss and loss adjustment expense reserves	$ 49.6	$ 54.9
Liability for Unpaid Claims and Claims Adjustment Expense, Net of Reinsurance Losses Recoverable	0	54.9	[1]	$ 0	[1]
Specialty Insurance Segment [Member]
Supplementary Insurance Information, by Segment
Liability for Unpaid Claims and Claims Adjustment Expense, Net		6,955.2		6,824.8		6,587
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims Current Year	3,081.9	2,770.7		2,545.1
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims, Prior Years	(106.2)	(234)		(193.1)
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year	1,004.7	930.6		834.4
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years	1,584.6	1,475.6		1,279.8
Liability for Unpaid Claims and Claims Adjustment Expense, Net of Reinsurance Losses Recoverable	7,341.5	6,955.2		6,824.8
Title Insurance Group [Member]
Supplementary Insurance Information, by Segment
Liability for Unpaid Claims and Claims Adjustment Expense, Net		598.5		612.8		594.2
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims Current Year	89.8	93.6		139.6
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims, Prior Years	(43.6)	(44.9)		(50.4)
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year	11.1	14.4		13.1
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years	60.8	48.7		57.3
Liability for Unpaid Claims and Claims Adjustment Expense, Net of Reinsurance Losses Recoverable	572.7	598.5		612.8
Corporate & Other [Member]
Supplementary Insurance Information, by Segment
Liability for Unpaid Claims and Claims Adjustment Expense, Net		6.6		84.2		$ 118.9
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims Current Year	7	22.4		26.3
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims, Prior Years	(1.9)	(26.9)		(39)
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year	3	4.8		5
Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years	2.3	13.3		16.8
Liability for Unpaid Claims and Claims Adjustment Expense, Net of Reinsurance Losses Recoverable	$ 6.4	$ 6.6		$ 84.2
[1] (a) RFIG Run-off reserves were classified as held-for-sale as of December 31, 2023 in the consolidated balance sheet. Loss reserve activity for this business, which was immaterial for 2024, is excluded from the 2024 column of the table above. See Note 2 for further discussion.

Losses, Claims and Settlement_5

Losses, Claims and Settlement Expenses - Consolidated - Incurred and Paid Loss Development Tables (Details) $ in Millions	Dec. 31, 2024 USD ($) claim	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Dec. 31, 2019 USD ($)	Dec. 31, 2018 USD ($)	Dec. 31, 2017 USD ($)	Dec. 31, 2016 USD ($)	Dec. 31, 2015 USD ($)
Workers' Compensation [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	$ 5,489.2
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	3,487.8
Subtotal	2,001.3
All outstanding liabilities before 2015, net of reinsurance	774.9
Liabilities for loss and allocated loss adjustment expenses, net of reinsurance	2,776.3
General Liability [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	1,319
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	683.6
Subtotal	635.3
All outstanding liabilities before 2015, net of reinsurance	181.6
Liabilities for loss and allocated loss adjustment expenses, net of reinsurance	817
Commercial Automobile [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	9,567.2
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	7,582
Subtotal	1,985.2
All outstanding liabilities before 2015, net of reinsurance	7.9
Liabilities for loss and allocated loss adjustment expenses, net of reinsurance	1,993.2
FinancialIndemnityMember
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	1,459.1
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	742.1
Subtotal	717
All outstanding liabilities before 2015, net of reinsurance	(1.7)
Liabilities for loss and allocated loss adjustment expenses, net of reinsurance	715.2
Short-duration Insurance Contracts, Accident Year 2015 | Workers' Compensation [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	601.1	$ 622.3	$ 659.8	$ 695.8	$ 742.4	$ 769.1	$ 785.5	$ 787.3	$ 792.6	$ 794.3
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 56
Cumulative Number of Reported Losses* | claim	55,251
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 515.9	512.7	507.3	499.8	484.7	466.7	435.1	379.3	274.9	109
Short-duration Insurance Contracts, Accident Year 2015 | General Liability [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	100.2	99	99.2	99.8	105.8	104.8	102.3	99.2	96.3	96
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 12.5
Cumulative Number of Reported Losses* | claim	5,191
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 84.3	82.5	79.9	75	70.7	64.5	47.4	29.5	16	6.3
Short-duration Insurance Contracts, Accident Year 2015 | Commercial Automobile [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	699.3	699.5	699.9	700.6	703.4	720.7	721.4	729.7	710.5	712.4
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 1
Cumulative Number of Reported Losses* | claim	104,832
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 696.7	695.4	693	687.3	680.6	669.7	626.2	541.8	438.9	265.1
Short-duration Insurance Contracts, Accident Year 2015 | FinancialIndemnityMember
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	67.2	67.6	71.6	64.7	62.8	63.1	63.7	64.8	68.2	73.4
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 3.7
Cumulative Number of Reported Losses* | claim	7,180
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 63.5	63.5	63.6	58.4	58.2	58.2	47	44.8	29.2	$ 17.3
Short-duration Insurance Contracts, Accident Year 2016 | Workers' Compensation [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	557.6	584.9	624.2	692.8	712.6	730.5	745.7	752.9	756.1
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 65.5
Cumulative Number of Reported Losses* | claim	52,506
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 448.9	442.5	435.8	425.2	408.4	383.5	334.4	253.5	102.5
Short-duration Insurance Contracts, Accident Year 2016 | General Liability [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	92.9	95.9	98.8	104.4	101	100.3	98.8	96.7	92.4
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 11.6
Cumulative Number of Reported Losses* | claim	82,877
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 77.7	75.1	71.9	66.9	58	47.7	34.8	18.5	7.1
Short-duration Insurance Contracts, Accident Year 2016 | Commercial Automobile [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	752.7	752.9	754.9	762.1	779.3	780.8	786	768.9	755.9
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 3.3
Cumulative Number of Reported Losses* | claim	110,773
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 747.1	742.7	737.3	725.5	710.8	677.8	585.1	469.6	290.2
Short-duration Insurance Contracts, Accident Year 2016 | FinancialIndemnityMember
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	67.9	67.9	68.2	72.9	73.8	74.5	75	77.4	75.4
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 5.5
Cumulative Number of Reported Losses* | claim	8,706
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 62.2	62.3	56.2	56.3	56	51.9	44.4	39.5	$ 23.2
Short-duration Insurance Contracts, Accident Year 2017 | Workers' Compensation [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	578.8	609.3	654.2	676.3	683.4	700.3	713.9	727
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 71
Cumulative Number of Reported Losses* | claim	51,806
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 463.6	453.5	444.1	414.3	383.1	334.8	244.6	99.6
Short-duration Insurance Contracts, Accident Year 2017 | General Liability [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	146.4	143.9	138	135.2	132.8	129.6	121.4	111.2
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 16.7
Cumulative Number of Reported Losses* | claim	459,840
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 120.3	113.2	105.3	95.5	76.9	50.1	25.9	5.7
Short-duration Insurance Contracts, Accident Year 2017 | Commercial Automobile [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	837.5	843	847.1	867.9	874.4	869.2	819.1	788.7
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 3.8
Cumulative Number of Reported Losses* | claim	117,666
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 832.7	826.9	814.1	791.2	746.5	657.1	512	307.9
Short-duration Insurance Contracts, Accident Year 2017 | FinancialIndemnityMember
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	94.9	94.8	95.7	100.9	101.1	102.2	103.9	100.4
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 11.4
Cumulative Number of Reported Losses* | claim	14,322
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 82.8	76.7	76.6	76.2	65.9	63.4	62.2	$ 38.1
Short-duration Insurance Contracts, Accident Year 2018 | Workers' Compensation [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	562.3	605.4	644.8	665.9	681	691.5	698.6
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 98.4
Cumulative Number of Reported Losses* | claim	52,409
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 426.4	416	396.8	367.2	320.5	240.6	94.8
Short-duration Insurance Contracts, Accident Year 2018 | General Liability [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	148.9	152	141.9	135.5	125.1	119.7	120.5
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 22.8
Cumulative Number of Reported Losses* | claim	460,877
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 113.8	102	91	71	48.9	28.8	6.9
Short-duration Insurance Contracts, Accident Year 2018 | Commercial Automobile [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	967.9	971.3	976.1	992.1	989.9	947.9	883.2
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 13.9
Cumulative Number of Reported Losses* | claim	129,379
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 941.8	924.1	900	836.7	730.4	557.5	330
Short-duration Insurance Contracts, Accident Year 2018 | FinancialIndemnityMember
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	161.5	161.4	161.6	124.2	113.3	112.7	120.8
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 19.1
Cumulative Number of Reported Losses* | claim	19,705
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 135.5	124.2	110.3	94.2	82.9	66.3	$ 42.5
Short-Duration Insurance Contract, Accident Year 2019 | Workers' Compensation [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	634.4	658.8	667.5	653.2	657.4	664.6
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 119.4
Cumulative Number of Reported Losses* | claim	51,939
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 441.4	412.2	382.3	329.6	239.8	102.9
Short-Duration Insurance Contract, Accident Year 2019 | General Liability [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	147.1	146.9	146	138.7	131.9	133.5
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 31.1
Cumulative Number of Reported Losses* | claim	375,121
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 102	87.8	72.1	53.4	29.5	6.4
Short-Duration Insurance Contract, Accident Year 2019 | Commercial Automobile [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	943.4	942	947.4	954.8	959.7	931.1
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 16.1
Cumulative Number of Reported Losses* | claim	138,817
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 906.8	875.3	787.2	681.6	549	330.4
Short-Duration Insurance Contract, Accident Year 2019 | FinancialIndemnityMember
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	193.3	191.9	193.5	135.1	139.7	149.5
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 14
Cumulative Number of Reported Losses* | claim	20,857
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 159	138.1	115.4	84.8	74.2	$ 46.4
Short-Duration Insurance Contract, Accident Year 2020 | Workers' Compensation [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	581	574.7	571.7	569.4	560.9
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 132.8
Cumulative Number of Reported Losses* | claim	45,937
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 363.7	329.7	284.3	211.6	84.3
Short-Duration Insurance Contract, Accident Year 2020 | General Liability [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	121.1	116.1	114.9	111.7	112.4
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 42.8
Cumulative Number of Reported Losses* | claim	5,221
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 66.2	45	28.5	12.4	4.2
Short-Duration Insurance Contract, Accident Year 2020 | Commercial Automobile [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	820.4	845.5	854	913.7	941.1
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 37.5
Cumulative Number of Reported Losses* | claim	118,255
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 745.5	692.7	602.2	464.3	290.1
Short-Duration Insurance Contract, Accident Year 2020 | FinancialIndemnityMember
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	144	146.1	148.2	153.1	156.9
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 46.2
Cumulative Number of Reported Losses* | claim	14,578
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 70.2	64.2	48.2	45.7	$ 31.2
Short-duration Insurance Contracts, Accident Year 2021 | Workers' Compensation [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	486.4	493.8	502.4	500.3
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 126.5
Cumulative Number of Reported Losses* | claim	46,678
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 289.3	252.9	187.8	80.1
Short-duration Insurance Contracts, Accident Year 2021 | General Liability [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	111.6	99	92.7	94.2
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 31.9
Cumulative Number of Reported Losses* | claim	4,890
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 50.7	30.9	14.7	5.6
Short-duration Insurance Contracts, Accident Year 2021 | Commercial Automobile [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	931.1	935.3	954.6	989.4
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 62.3
Cumulative Number of Reported Losses* | claim	126,584
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 778.6	662.9	508.6	302.7
Short-duration Insurance Contracts, Accident Year 2021 | FinancialIndemnityMember
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	177.6	169.1	170	177.8
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 84.6
Cumulative Number of Reported Losses* | claim	6,374
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 51.2	31	24.7	$ 14.4
Short-Duration Insurance Contract, Accident Year 2022 | Workers' Compensation [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	493.4	487.4	488.1
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 138.6
Cumulative Number of Reported Losses* | claim	47,205
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 256.1	188.2	74.2
Short-Duration Insurance Contract, Accident Year 2022 | General Liability [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	110.4	100.7	97.8
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 36.4
Cumulative Number of Reported Losses* | claim	4,733
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 39.4	22.2	6.4
Short-Duration Insurance Contract, Accident Year 2022 | Commercial Automobile [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	1,021.2	1,044.5	1,074.2
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 78
Cumulative Number of Reported Losses* | claim	127,282
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 761.9	606.8	354.8
Short-Duration Insurance Contract, Accident Year 2022 | FinancialIndemnityMember
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	196.9	184.4	182.2
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 91.4
Cumulative Number of Reported Losses* | claim	3,967
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 52.3	27.8	$ 8.3
Short-Duration Insurance Contract, Accident Year 2023 | Workers' Compensation [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	498.5	491.7
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 191.5
Cumulative Number of Reported Losses* | claim	46,735
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 197.2	75.5
Short-Duration Insurance Contract, Accident Year 2023 | General Liability [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	138.7	132.6
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 66.4
Cumulative Number of Reported Losses* | claim	18,353
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 22.3	3.9
Short-Duration Insurance Contract, Accident Year 2023 | Commercial Automobile [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	1,225.5	1,204.1
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 98.7
Cumulative Number of Reported Losses* | claim	130,069
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 706.6	424.4
Short-Duration Insurance Contract, Accident Year 2023 | FinancialIndemnityMember
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	197.5	173.6
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 109.3
Cumulative Number of Reported Losses* | claim	5,164
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 44.9	$ 15.7
Short-Duration Insurance Contract, Accident Year 2024 | Workers' Compensation [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	495.3
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 274.1
Cumulative Number of Reported Losses* | claim	36,224
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 84.8
Short-Duration Insurance Contract, Accident Year 2024 | General Liability [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	201.3
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 140.8
Cumulative Number of Reported Losses* | claim	11,814
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 6.4
Short-Duration Insurance Contract, Accident Year 2024 | Commercial Automobile [Member]
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	1,367.9
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 7.4
Cumulative Number of Reported Losses* | claim	110,870
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 463.9
Short-Duration Insurance Contract, Accident Year 2024 | FinancialIndemnityMember
Claims Development [Line Items]
Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)	158
Total of Incurred-but-Not-Reported Liabilities Plus Expected Development on Reported Losses	$ 128.2
Cumulative Number of Reported Losses* | claim	5,016
Cumulative Paid Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance	$ 20.1

Losses, Claims and Settlement_6

Losses, Claims and Settlement Expenses - Consolidated - Reconciliation of Claims Development to Liability (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023		Dec. 31, 2022	Dec. 31, 2021
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability [Line Items]
Net claim and allocated loss adjustment expense reserves		$ 7,033.3	$ 6,651.9
Reinsurance recoverable on claim reserves		5,804.7	4,973.6
Insurance coverages other than short-duration (b)		539.6	566.4	[1]
Unallocated loss adjustment expense reserves (c)		350	346.1	[2]
Insurance lines other than short-duration and unallocated loss adjustment expense reserves		889.6	912.6
Loss and loss adjustment expense reserves		13,727.7	12,538.2		$ 12,221.5	$ 11,425.5
Interest Accretion Amount		29.2	25.6		$ 9.6
Short-Duration Insurance Contract, Discounted Liability, Discount		171.8	179.9
Disposal Group, Not Discontinued Operations
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability [Line Items]
Insurance coverages other than short-duration (b)			53.6
Unallocated loss adjustment expense reserves (c)			1.2
Loss and loss adjustment expense reserves		49.6	54.9
Workers' Compensation [Member]
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability [Line Items]
Net claim and allocated loss adjustment expense reserves	[3]	2,604.5	2,725.3
Reinsurance recoverable on claim reserves		2,048.4	1,998.2
General Liability [Member]
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability [Line Items]
Net claim and allocated loss adjustment expense reserves		817	705.5
Reinsurance recoverable on claim reserves		946.5	813.2
Commercial Automobile [Member]
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability [Line Items]
Net claim and allocated loss adjustment expense reserves		1,993.2	1,808.4
Reinsurance recoverable on claim reserves		2,295.3	1,684.4
Other short-duration insurance lines [Member]
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability [Line Items]
Net claim and allocated loss adjustment expense reserves		903.2	759.8
Reinsurance recoverable on claim reserves		302.9	256.9
FinancialIndemnityMember
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability [Line Items]
Net claim and allocated loss adjustment expense reserves		715.2	652.7
Reinsurance recoverable on claim reserves		$ 211.4	$ 221
[1]RFIG Run-off loss reserves of $53.6 were classified as held-for-sale as of December 31, 2023. See Note 2 for further discussion.[2]RFIG Run-off unallocated loss adjustment expense reserves of $1.2 were classified as held-for-sale as of December 31, 2023. See Note 2 for further discussion.[3]Certain long-term disability type workers' compensation reserves are discounted to present value based on interest rates typically ranging from 3.0% to 3.5%. The amount of discount reflected in the year-end net reserves totaled $171.8 and $179.9 as of December 31, 2024 and 2023, respectively. Interest accretion of $29.2, $25.6, and $9.6 for the years ended December 31, 2024, 2023, and 2022, respectively, was recognized as unfavorable development of prior year reserves within loss and loss adjustment expenses in the consolidated statements of income.

Losses, Claims and Settlement_7

Losses, Claims and Settlement Expenses - Consolidated - Historical Average Annual Payout of Incurred Claims (Details)	Dec. 31, 2024
Workers' compensation [Member]
Short-duration Insurance Contracts, Historical Claims Duration [Line Items]
Year 1	16.50%
Year 2	24.30%
Year 3	14.40%
Year 4	8.30%
Year 5	5.20%
Year 6	3.80%
Year 7	2%
Year 8	1.40%
Year 9	1%
Year 10	0.50%
General liability [Member]
Short-duration Insurance Contracts, Historical Claims Duration [Line Items]
Year 1	4.70%
Year 2	12.10%
Year 3	15.10%
Year 4	15.60%
Year 5	13.70%
Year 6	7.90%
Year 7	5.80%
Year 8	4.40%
Year 9	2.70%
Year 10	1.80%
Commercial automobile [Member]
Short-duration Insurance Contracts, Historical Claims Duration [Line Items]
Year 1	35.40%
Year 2	23.40%
Year 3	16%
Year 4	11.50%
Year 5	6.40%
Year 6	2.40%
Year 7	1.50%
Year 8	0.70%
Year 9	0.50%
Year 10	0.20%
FinancialIndemnityMember
Short-duration Insurance Contracts, Historical Claims Duration [Line Items]
Year 1	20.50%
Year 2	15.20%
Year 3	8.20%
Year 4	8.90%
Year 5	9.90%
Year 6	4%
Year 7	1.80%
Year 8	7.70%
Year 9	(0.10%)
Year 10	0%

Reinsurance and Retention Lim_3

Reinsurance and Retention Limits (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Reinsurance Premiums for Insurance Companies, by Product Segment
Reinsurance Unrecoverable Amount	$ 0	$ 0
Direct Premiums Earned	9,575.9	8,846.4	$ 9,563.3
Assumed Premiums Earned	110	96.2	89.4
Ceded Premiums Earned	2,659.6	2,496.7	2,310.5
Specialty Insurance Group [Member]
Reinsurance Premiums for Insurance Companies, by Product Segment
Workers Compensation Insurance, Maximum Coverage Limit	5.2
Commercial Auto Liability Compensation Insurance, Maximum Coverage Limit	7.9
General Liabiltity Insurance, Maximum Coverage Limit	7.9
Executive Protection Insurance, Maximum Coverage Limit	14.8
Aviation Insurance, Maximum Coverage Limit	2.2
Property Coverages Insurance, Maximum Coverage Limit	23.1
Reinsurance Limits	195
Reinsurance Limits for Acts of Terrorism	5
Facultative reinsurance limit	$ 200
Reinsurance Recoverable, Concentration Risk Ten Largest Insurers, Percentage	64%
Reinsurance Recoverable, Concentration Risk Largest Insurer, Percentage	24.60%
Reinsurance Recoverable, Concentration Risk Ten Largest Insurers, Percentage of A Rating or Better	32.30%
Reinsurance Recoverable, Concentration Risk Ten Largest Insurers, Percentage From Industry-Wide Risk Pools	3.50%
Reinsurance Recoverable, Concentration Risk Ten Largest Insurers, Percentage From Foreign Unrated Companies	25.60%
Reinsurance Recoverable, Concentration Risk Ten Largest Insurers, Percentage From Domestic Unrated Companies	38.60%
Direct Premiums Written	$ 7,706.9	6,776.4	6,263.3
Assumed Premiums Written	106.8	96.6	90
Ceded Premiums Written	2,783.2	2,516.7	2,375.1
Direct Premiums Earned	7,221.8	6,513.2	6,021
Assumed Premiums Earned	108	94.7	87.1
Ceded Premiums Earned	2,652.8	2,488.6	2,299.5
Reinsurance Effect on Claims and Benefits Incurred, Amount Ceded	2,585.1	1,795.9	1,677.3
Title Insurance Group [Member]
Reinsurance Premiums for Insurance Companies, by Product Segment
Title Insurance Risk, Per Policy	500
Title Insurance Risk Exposure, Per Policy	1
Direct Premiums Earned	2,332.3	2,299.1	3,498.1
Assumed Premiums Earned	2.2	1.8	2.6
Ceded Premiums Earned	$ 0	$ 0	$ 0.1

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024		Dec. 31, 2023		Dec. 31, 2022
Effective Tax Rate Reconciliation [Line Items]
Statutory tax rate	21%		21%		21%
Effective Income Tax Rate Reconciliation, Tax Exempt Income, Percent	(0.20%)		(0.40%)		(0.30%)
Dividends received exclusion	(0.60%)		(1.00%)		(1.30%)
Effective Income Tax Rate Reconciliation, Nondeductible Expense, Meals and Entertainment, Percent	0.30%		0.30%		0.20%
Effective Income Tax Rate Reconciliation, Nondeductible Expense, Share-Based Payment Arrangement, Percent	(0.20%)		(0.10%)		0.20%
Other items - net	0%		0.10%		0.10%
Effective tax rates (credit)	20.30%		19.90%		19.90%
Deferred Tax Assets [Abstract]
Deferred Tax Assets, losses, claims, and settlement expenses	$ 210.8		$ 214.9		$ 218.6
Deferred Tax Assets, Pension and deferred compensation plans	18.9		23.8		22.6
Deferred Tax Assets, Impairment losses on investments	0		9.5		0
Deferred Tax Assets, Net operating loss carryforward	3.4		5.5		7.6
Deferred Tax Assets, AMT credit carryforward	9		9		9
Deferred Tax Asset - Operating Lease Right of Use Asset	42.9		46.4		46.7
Deferred Tax Assets, Other temporary differences	28		16.3		17.1
Total deferred tax assets	313		325.4		321.6
Deferred Tax Liabilities [Abstract]
Deferred Tax Liabilties, Unearned premium reserves	23.9		46.3		63.3
Deferred Tax Liabilities, Deferred policy acquisition costs	110.4		82.8		76
Deferred Tax Liabilities, Amortization of fixed maturity securities	24.5		14.6		6.8
Deferred Tax Liabilities, Net unrealized investment gains	219.1		214.4		141.3
Deferred Tax Liabilities, Title plants and records	2.8		2.8		2.8
Deferred tax Liabilities - TCJA Discounted reserves transition adjustment	3.2		6.7		10.3
Deferred Tax Liability - Operating Lease Liability	37.7		40.9		41.9
Deferred Tax Liabilities, Other temporary differences	20.5		22.5		20.1
Deferred Tax Liabilities, Gross	442.1		431		362.5
Deferred Tax Liabilities, Net	(129.1)	[1]	(105.6)	[1]	$ (40.9)
Operating loss carryforwards	16.6
Disposal Group, Not Discontinued Operations
Deferred Tax Assets [Abstract]
Total deferred tax assets			0.3
Deferred Tax Liabilities [Abstract]
Deferred Tax Liabilities, Gross			$ 0.1
Maximum [Member]
Deferred Tax Liabilities [Abstract]
Operating loss carryforwards	$ 9.8
[1](a)    RFIG Run-off deferred tax assets of $0.3 and deferred tax liabilities of $0.1 were reclassified as held-for-sale as of December 31, 2023. See Note 2 for further discussion

Employee Benefit Plans (Details

Employee Benefit Plans (Details) $ / shares in Units, $ in Millions		12 Months Ended
		Dec. 31, 2024 USD ($) plan $ / shares shares	Dec. 31, 2023 USD ($) $ / shares shares	Dec. 31, 2022 USD ($) $ / shares shares	Dec. 31, 2020 USD ($) shares	Dec. 31, 2018 USD ($) shares	Dec. 31, 2015 USD ($) shares	Dec. 31, 2021 $ / shares shares
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Securities at Net Asset Value		$ 8.1	$ 6.5
ORI 401(k) Savings and Profit Sharing Plan, unallocated shares | shares		3,352,553
Employee savings and stock ownership plan, number of allocated shares | shares		17,994,556
Employee savings and stock ownership plan, number of allocated shares to employees | shares		14,642,003
stock acquired during period value employee stock ownership plan					$ 50	$ 50	$ 34
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of net assets available for plan benefits at beginning of year		$ 514
Fair value of net assets available for plan benefits at end of year		511	$ 514
Estimated future cash contributions next year		$ 0
Share contractual period		10 years
Expected volatility		23%	23%	22%
Expected dividends		4.55%	4.66%	4.32%
Expected term (in years)		7 years	6 years	6 years
Risk-free rate		4.15%	3.69%	2.68%
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Number of new common stock shares available under the 2020 Incentive Compensation Plan | shares		20,000,000
Maximum Number of Common Stock Shares Available Under 2016 Stock Option Plan | shares		4,700,000
Maximum number of common shares available under the 2022 Incentive Compensation Plan | shares		15,300,000
Share-based compensation expense		$ 33.2	$ 19.5	$ 9
Income tax benefit		$ 6.9	$ 4.1	$ 1.8
Award vesting rate, within one year of grant date		3 years
Award vesting rate, within one year of grant date		10%
Award vesting rate, between year one and year two		15%
Award vesting rate, between year two and year three		20%
Award vesting rate, between year three and year four		25%
Award vesting rate, between year four and year five		30%
Options, outstanding at beginning of year | shares		10,870,214	9,619,004	8,344,470
Granted | shares		1,320,179	2,990,000	2,660,000
Exercised | shares		1,951,544	1,694,106	1,285,783
Forfeited and canceled | shares		142,537	44,684	99,683
Options, outstanding at end of year | shares		10,096,312	10,870,214	9,619,004
Exercisable at end of year | shares		5,538,335	4,790,571	4,562,063
Granted, Weighted Average Exercise Price | $ / shares		$ 29.31	$ 25.22	$ 23.28
Exercised, Weighted Average Exercise Price | $ / shares		20.91	19.49	18.94
Forfeited and canceled, Weighted Average Exercise Price | $ / shares		24.20	22.04	19.78
Options, outstanding, weighted average exercise price | $ / shares		23.25	22.10	20.68				$ 19.57
Exercisable at end of year, Weighted Average Exercise Price | $ / shares		21.32	20.31	19.53
Weighted average fair value of options granted during the year | $ / shares	[1]	$ 4.89	$ 3.76	$ 3.31
Total unrecognized compensation cost		$ 40.7
Unrecognized stock compensation costs, weighted average remaining contractual term		3 years
Cash received from stock option exercise		$ 40.8	$ 33	$ 24.3
Intrinsic value of stock options exercised		20.6	17.5	7.9
Actual tax benefit realized for tax deductions from stock options exercised		4.3	3.6	1.6
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Defined contribution plan, one-time cost		10.7
Employees Savings and Stock Ownership Plan [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Defined contribution plan, cost recognized		58.2	65.8	77.8
Cash and deferred incentive compensation [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Defined contribution plan, cost recognized		77.2	81.2	70.3
Fair Value, Inputs, Level 1 [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of net assets available for plan benefits at beginning of year		103.9
Fair value of net assets available for plan benefits at end of year		128.1	103.9
Fair Value, Inputs, Level 2 [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of net assets available for plan benefits at beginning of year		402.7
Fair value of net assets available for plan benefits at end of year		375.7	402.7
Fair Value, Inputs, Level 3 [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of net assets available for plan benefits at beginning of year		7.3
Fair value of net assets available for plan benefits at end of year		$ 7.2	7.3
Pension Plans, Defined Benefit [Member]
Defined Benefit Plan Disclosure [Line Items]
Number of benefit plans | plan		1
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Projected benefit obligation at beginning of year		$ 456.4	452.8	604.6
Interest cost		22.5	23.4	16.4
Actuarial (gains) losses		(18.7)	10.9	(138.7)
Benefits paid		(32.1)	(30.7)	(29.5)
Net increase (decrease) for the year		(28.2)	3.6	(151.8)
Projected benefit obligation at end of year		428.2	456.4	452.8
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of net assets available for plan benefits at beginning of year		520.6	507.1	556
Actual return on plan assets		30.7	44.2	(19.2)
Benefits paid		(32.1)	(30.7)	(29.5)
Net increase (decrease) for year		(1.3)	13.4	(48.8)
Fair value of net assets available for plan benefits at end of year		519.2	520.6	507.1
Defined Benefit Plan, Funded (Unfunded) Status of Plan		91	64.1	54.3
Defined Benefit Plan, Net Periodic Benefit Cost (Credit)		(5)	0.9	(18.3)
Net recognized loss		$ (5.9)	$ (27.8)	$ (38.5)
Settlement discount rates - Projected Benefit Obligation		5.65%	5.15%
Settlement discount rates - Net Periodic Benefit Costs		5.15%	5.40%	2.80%
Long-term rates of return on plans' assets		5.50%	4.60%	7%
Expected future benefit payments in year one		$ 34.5
Expected future benefit payments in year two		35.4
Expected future benefit payments in year three		34.8
Expected future benefit payments in year four		34.7
Expected future benefit payments in year five		34.8
Expected future benefit payments in five fiscal years thereafter		$ 167.7
Total investments		100%	100%
Pension Plans, Defined Benefit [Member] | Fixed maturity securities [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of net assets available for plan benefits at beginning of year		$ 406.5
Fair value of net assets available for plan benefits at end of year		$ 378.6	$ 406.5
Total investments		72.90%	78.10%
Pension Plans, Defined Benefit [Member] | Fixed maturity securities [Member] | Fair Value, Inputs, Level 1 [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of net assets available for plan benefits at beginning of year		$ 3.7
Fair value of net assets available for plan benefits at end of year		2.9	$ 3.7
Pension Plans, Defined Benefit [Member] | Fixed maturity securities [Member] | Fair Value, Inputs, Level 2 [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of net assets available for plan benefits at beginning of year		402.7
Fair value of net assets available for plan benefits at end of year		375.7	402.7
Pension Plans, Defined Benefit [Member] | Fixed maturity securities [Member] | Fair Value, Inputs, Level 3 [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of net assets available for plan benefits at beginning of year		0
Fair value of net assets available for plan benefits at end of year		0	0
Pension Plans, Defined Benefit [Member] | Benefit plan assets, Other [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of net assets available for plan benefits at beginning of year		24.3
Fair value of net assets available for plan benefits at end of year		$ 29.9	$ 24.3
Total investments		7.40%	5.90%
Pension Plans, Defined Benefit [Member] | Benefit plan assets, Other [Member] | Fair Value, Inputs, Level 1 [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of net assets available for plan benefits at beginning of year		$ 17
Fair value of net assets available for plan benefits at end of year		22.7	$ 17
Pension Plans, Defined Benefit [Member] | Benefit plan assets, Other [Member] | Fair Value, Inputs, Level 2 [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of net assets available for plan benefits at beginning of year		0
Fair value of net assets available for plan benefits at end of year		0	0
Pension Plans, Defined Benefit [Member] | Benefit plan assets, Other [Member] | Fair Value, Inputs, Level 3 [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of net assets available for plan benefits at beginning of year		7.3
Fair value of net assets available for plan benefits at end of year		7.2	7.3
Pension Plans, Defined Benefit [Member] | Defined Benefit Plan, Equity Securities, Common Stock, Employer, Related Party
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of net assets available for plan benefits at beginning of year		83.1
Fair value of net assets available for plan benefits at end of year		$ 102.3	$ 83.1
Total investments		19.70%	16%
Pension Plans, Defined Benefit [Member] | Defined Benefit Plan, Equity Securities, Common Stock, Employer, Related Party | Fair Value, Inputs, Level 1 [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of net assets available for plan benefits at beginning of year		$ 83.1
Fair value of net assets available for plan benefits at end of year		102.3	$ 83.1
Pension Plans, Defined Benefit [Member] | Defined Benefit Plan, Equity Securities, Common Stock, Employer, Related Party | Fair Value, Inputs, Level 2 [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of net assets available for plan benefits at beginning of year		0
Fair value of net assets available for plan benefits at end of year		0	0
Pension Plans, Defined Benefit [Member] | Defined Benefit Plan, Equity Securities, Common Stock, Employer, Related Party | Fair Value, Inputs, Level 3 [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of net assets available for plan benefits at beginning of year		0
Fair value of net assets available for plan benefits at end of year		$ 0	$ 0
Minimum [Member] | Pension Plans, Defined Benefit [Member] | Equity Securities [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Current Investment Policy Asset Allocation % Range Target		0%
Minimum [Member] | Pension Plans, Defined Benefit [Member] | Fixed maturity securities [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Current Investment Policy Asset Allocation % Range Target		75%
Minimum [Member] | Pension Plans, Defined Benefit [Member] | Benefit plan assets, Other [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Current Investment Policy Asset Allocation % Range Target		1%
Maximum [Member] | Pension Plans, Defined Benefit [Member] | Equity Securities [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Current Investment Policy Asset Allocation % Range Target		25%
Maximum [Member] | Pension Plans, Defined Benefit [Member] | Fixed maturity securities [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Current Investment Policy Asset Allocation % Range Target		100%
Maximum [Member] | Pension Plans, Defined Benefit [Member] | Benefit plan assets, Other [Member]
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Current Investment Policy Asset Allocation % Range Target		10%
Common Stock [Member]
Defined Benefit Plan Disclosure [Line Items]
stock acquired during period shares employee stock ownership plan | shares					3,337,000	2,383,625	2,200,000
Restricted Stock Awards & Restricted Stock Unit Awards
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares		1,369,202	1,257,116	659,874				33,539
Granted | shares		648,399	823,907	644,356
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period | shares		494,926	225,289	16,901
Forfeited and canceled | shares		41,387	1,376	1,120
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value | $ / shares		$ 26.89	$ 24.67	$ 23.70				$ 21.32
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value | $ / shares		29.42	25.15	23.76
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value | $ / shares		24.53	23.60	21.20
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value | $ / shares		$ 27.02	$ 25.05	$ 22.34
Performance Shares
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Restricted common stock vesting period		3 years
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares		616,198	0
Granted | shares		633,837
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period | shares		0
Forfeited and canceled | shares		17,639
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value | $ / shares		$ 29.31	$ 0
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value | $ / shares		29.31
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value | $ / shares		0
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value | $ / shares		$ 29.32
Range of Exercise Prices, $15.26 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Options, outstanding at end of year | shares		54,349
Exercisable at end of year | shares		54,349
Options, outstanding, weighted average exercise price | $ / shares		$ 15.26
Exercisable at end of year, Weighted Average Exercise Price | $ / shares		$ 15.26
Options, Outstanding, Weighted Average Remaining Contractual Life		3 months
Range of Exercise Prices, $18.14 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Options, outstanding at end of year | shares		161,189
Exercisable at end of year | shares		161,189
Options, outstanding, weighted average exercise price | $ / shares		$ 18.14
Exercisable at end of year, Weighted Average Exercise Price | $ / shares		$ 18.14
Options, Outstanding, Weighted Average Remaining Contractual Life		1 year 3 months
Range of Exercise Prices, $19.98 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Options, outstanding at end of year | shares		276,998
Exercisable at end of year | shares		276,998
Options, outstanding, weighted average exercise price | $ / shares		$ 19.98
Exercisable at end of year, Weighted Average Exercise Price | $ / shares		$ 19.98
Options, Outstanding, Weighted Average Remaining Contractual Life		2 years 3 months
Range of Exercise Prices, $20.98 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Options, outstanding at end of year | shares		409,116
Exercisable at end of year | shares		409,116
Options, outstanding, weighted average exercise price | $ / shares		$ 20.98
Exercisable at end of year, Weighted Average Exercise Price | $ / shares		$ 20.98
Options, Outstanding, Weighted Average Remaining Contractual Life		3 years 3 months
Range of Exercise Prices, $21.12 to $21.99 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Options, outstanding at end of year | shares		610,658
Exercisable at end of year | shares		610,658
Options, outstanding, weighted average exercise price | $ / shares		$ 21.18
Exercisable at end of year, Weighted Average Exercise Price | $ / shares		$ 21.18
Options, Outstanding, Weighted Average Remaining Contractual Life		4 years 3 months
Range of Exercise Prices, $16.17 to $22.72 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Options, outstanding at end of year | shares		1,018,192
Exercisable at end of year | shares		1,001,692
Options, outstanding, weighted average exercise price | $ / shares		$ 17.44
Exercisable at end of year, Weighted Average Exercise Price | $ / shares		$ 17.35
Options, Outstanding, Weighted Average Remaining Contractual Life		5 years 3 months
Range of Exercise Prices, $21.30 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Options, outstanding at end of year | shares		1,543,138
Exercisable at end of year | shares		1,069,002
Options, outstanding, weighted average exercise price | $ / shares		$ 21.30
Exercisable at end of year, Weighted Average Exercise Price | $ / shares		$ 21.30
Options, Outstanding, Weighted Average Remaining Contractual Life		6 years 3 months
Range of Exercise Prices, $22.92 to $24.49 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Options, outstanding at end of year | shares		2,056,146
Exercisable at end of year | shares		1,202,114
Options, outstanding, weighted average exercise price | $ / shares		$ 23.35
Exercisable at end of year, Weighted Average Exercise Price | $ / shares		$ 23.39
Options, Outstanding, Weighted Average Remaining Contractual Life		7 years 3 months
Range of Exercise Prices, $24.31 to $25.52 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Options, outstanding at end of year | shares		2,682,247
Exercisable at end of year | shares		753,217
Options, outstanding, weighted average exercise price | $ / shares		$ 25.21
Exercisable at end of year, Weighted Average Exercise Price | $ / shares		$ 25.22
Options, Outstanding, Weighted Average Remaining Contractual Life		8 years 3 months
Range of Exercise Prices, $29.29 to $29.32
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Options, outstanding at end of year | shares		1,284,279
Exercisable at end of year | shares		0
Options, outstanding, weighted average exercise price | $ / shares		$ 29.31
Exercisable at end of year, Weighted Average Exercise Price | $ / shares		$ 0
Options, Outstanding, Weighted Average Remaining Contractual Life		9 years 3 months
[1] (a) Based on the Black-Scholes-Merton option pricing model and the assumptions outlined above.

Net Income Per Share (Details)

Net Income Per Share (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Net income	$ 105.1	$ 338.9	$ 91.8	$ 316.7	$ 190.6	$ 52.6	$ 155.5	$ 199.8	$ 852.7	$ 598.6	$ 686.4
Weighted average number of shares outstanding, basic	247,179,561	251,640,055	260,796,757	271,725,775	274,036,118	277,010,690	285,426,801	291,945,750	258,032,085	282,732,526	301,676,941
Effect of dilutive securities - stock based compensation awards									4,848,546	2,738,538	1,619,671
Weighted Average Number of Shares Outstanding, Diluted	252,803,300	256,862,595	265,549,655	275,432,461	277,226,628	279,924,410	287,882,787	293,993,474	262,880,631	285,471,064	303,296,612
Net income per share: basic (in dollars per share)	$ 0.43	$ 1.35	$ 0.35	$ 1.17	$ 0.70	$ 0.19	$ 0.55	$ 0.68	$ 3.30	$ 2.12	$ 2.28
Earnings Per Share, Diluted (in dollars per share)	$ 0.42	$ 1.32	$ 0.35	$ 1.15	$ 0.69	$ 0.19	$ 0.54	$ 0.68	$ 3.24	$ 2.10	$ 2.26
Stockbased compensation awards [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Total anti-dulitive common share equivalents excluded from earnings per share computations (in shares)									0	2,234,500	2,645,750

Credit Losses (Details)

Credit Losses (Details) - Accounting Standards Update 2016-13 - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Reinsurance Recoverable, Allowance for Credit Loss	$ 22	$ 17.5
Accounts Receivable, Allowance for Credit Loss	$ 30.2	$ 26.1

Debt (Details)

Debt (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Debt Instrument [Line Items]
Fair value	$ 1,400.7	$ 1,400.3
Debt and Lease Obligation	1,588.7	1,591.2
Interest Expense, Debt	79.8	$ 67.2	$ 67.3
Senior Notes Due 2024 [Member]
Debt Instrument [Line Items]
Debt Instrument, Face Amount	$ 400
Debt Instrument, Interest Rate, Stated Percentage	4.875%	4.875%
Fair value	$ 0	$ 397
Debt and Lease Obligation	$ 0	$ 399.5
Maturity date of debt	Oct. 01, 2024	Oct. 01, 2024
Senior Notes Due 2026 [Member]
Debt Instrument [Line Items]
Debt Instrument, Face Amount	$ 550
Debt Instrument, Interest Rate, Stated Percentage	3.875%	3.875%
Fair value	$ 541.4	$ 530.4
Debt and Lease Obligation	$ 549	$ 548.5
Maturity date of debt	Aug. 26, 2026	Aug. 26, 2026
Senior Notes due 2034
Debt Instrument [Line Items]
Debt Instrument, Face Amount	$ 400
Debt Instrument, Interest Rate, Stated Percentage	5.75%
Fair value	$ 401.3	$ 0
Debt and Lease Obligation	$ 396.2	$ 0
Maturity date of debt	Mar. 28, 2034
Senior Notes Due 2051
Debt Instrument [Line Items]
Debt Instrument, Face Amount	$ 650
Debt Instrument, Interest Rate, Stated Percentage	3.85%	3.85%
Fair value	$ 458	$ 472.7
Debt and Lease Obligation	$ 643.4	$ 643.1
Maturity date of debt	Jun. 11, 2051	Jun. 11, 2051

Debt Debt Financial Liabilities

Debt Debt Financial Liabilities Disclosed, but not Carried, at Fair Value (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt and Lease Obligation	$ 1,588.7	$ 1,591.2
Fair value	1,400.7	1,400.3
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt and Lease Obligation	0	0
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt and Lease Obligation	1,400.7	1,400.3
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt and Lease Obligation	0	0
Reported Value Measurement [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt and Lease Obligation	$ 1,588.7	$ 1,591.2

Shareholders' Equity Preferred

Shareholders' Equity Preferred Stock (Details)	12 Months Ended
	Dec. 31, 2024 vote series $ / shares shares	Dec. 31, 2023 shares
Class of Stock
Preferred Stock, Shares Authorized	75,000,000	75,000,000
Preferred Stock, Shares Outstanding	0	0
Common Stock, Shares, Issued	0	0
Series A Preferred Stock [Member]
Class of Stock
Preferred Stock, Shares Authorized	10,000,000
Preferred Stock, Number of Designated Series | series	1
Preferred stock, dividend rate, per dollar-amount | $ / shares	$ 1
Multiple of Aggregate Share Amount	100
Preferred Stock Rights to Vote | vote	100

Shareholders' Equity Common Sto

Shareholders' Equity Common Stock (Details) - shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Class of Stock
Common Stock, Voting Rights	1
Common Stock, Shares Authorized	500,000,000	500,000,000
Common Stock, Shares, Issued	248,817,316	278,392,263
Common Class B [Member]
Class of Stock
Common Stock, Voting Rights	0.1
Common Stock, Shares Authorized	100,000,000	100,000,000
Common Stock, Shares, Issued	0	0
Common Stock, shares outstanding	0	0

Shareholders' Equity Cash Divid

Shareholders' Equity Cash Dividend Restrictions (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
C Cash Dividend Restrictions [Abstract]
Amount available for dividend distribution without prior approval from regulatory agency	$ 952.2
Extra-ordinary dividends received from subsidiaries		$ 110	$ 140
SEC Schedule, 12-04, Cash Dividends Paid to Registrant, Consolidated Subsidiaries	$ 645.7	$ 673.3	$ 614.6

Shareholders' Equity Cash Div_2

Shareholders' Equity Cash Dividends (Details)	12 Months Ended
	Dec. 31, 2022 $ / shares
Equity [Abstract]
Special dividend declared in August 2022 and paid in September 2022, amount per share	$ 1
Special dividend declared in December 2024 and paid in January 2025, amount per share	$ 2

Shareholders' Equity Common S_2

Shareholders' Equity Common Stock Repurchases (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	2 Months Ended	12 Months Ended
	Feb. 19, 2025	Dec. 31, 2024
Class of Stock
Treasury Stock, Value, Acquired, Cost Method		$ 951.6
Treasury Stock, Shares, Acquired		29.9
Treasury Stock Acquired, Average Cost Per Share		$ 31.82
May 12, 2023 Authorization
Class of Stock
Share Repurchase Program, Authorized, Amount		$ 450
March 1, 2024 Authorization
Class of Stock
Share Repurchase Program, Authorized, Amount		$ 1,100
Subsequent Event
Class of Stock
Treasury Stock, Value, Acquired, Cost Method	$ 25.5
Treasury Stock, Shares, Acquired	0.7
Treasury Stock Acquired, Average Cost Per Share	$ 34.57
Share Repurchase Program, Remaining Authorized, Amount	$ 205.8

Leases (Details)

Leases (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Loss Contingencies [Line Items]
Operating Lease, Liability	$ 204	$ 220.2
Retained earnings	$ 5,519.7	$ 5,644.3
Operating Lease, Weighted Average Discount Rate, Percent	5.80%	5.49%
Operating Lease, Weighted Average Remaining Lease Term	6 years 7 months 6 days	6 years 10 months 24 days
Fixed lease payments	$ 59	$ 60.6	$ 64
Lessee, Operating Lease, Liability, to be Paid, Year One	57.9	58.1
Lessee, Operating Lease, Liability, Payments, Due Year Two	45.5	51
Lessee, Operating Lease, Liability, Payments, Due Year Three	36	38.1
Lessee, Operating Lease, Liability, Payments, Due Year Four	28.4	29
Lessee, Operating Lease, Liability, Payments, Due Year Five	20.8	22
Lessee, Operating Lease, Liability, Payments, Due after Year Five	70	82.1
Lessee, Operating Lease, Liability, Payments, Due	258.8	280.6
Lessee, Operating Lease, Liability, Undiscounted Excess Amount	54.7	60.4
Rental expense for leased premises	$ 73.4	$ 76.3	$ 76.2
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities
Accounting Standards Update 2016-02 [Member]
Loss Contingencies [Line Items]
Operating Lease, Right-of-Use Asset	$ 179.7	$ 194.4

Consolidated Quarterly Result_3

Consolidated Quarterly Results - Unaudited (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Quarterly Financial Information Disclosure [Abstract]
Net premiums, fees, and other income	$ 1,986.1	$ 1,972.9	$ 1,844.7	$ 1,684.6	$ 1,785.6	$ 1,801.1	$ 1,689.3	$ 1,594.6
Net investment income and realized gains (losses)	15.9	368.8	26.9	331.3	155.4	(40.9)	108.9	164
Total revenues	2,002	2,341.7	1,871.7	2,015.9	1,941.1	1,760.1	1,798.3	1,758.7	$ 8,231.5	$ 7,258.3	$ 8,083.7
Total expenses	1,871.3	1,914.8	1,758.3	1,617.2	1,703.6	1,696.2	1,601.4	1,509.5	7,161.7	6,510.8	7,226.3
Net income	$ 105.1	$ 338.9	$ 91.8	$ 316.7	$ 190.6	$ 52.6	$ 155.5	$ 199.8	$ 852.7	$ 598.6	$ 686.4
Net income per share: basic (in dollars per share)	$ 0.43	$ 1.35	$ 0.35	$ 1.17	$ 0.70	$ 0.19	$ 0.55	$ 0.68	$ 3.30	$ 2.12	$ 2.28
Net income per share: diluted (in dollars per share)	$ 0.42	$ 1.32	$ 0.35	$ 1.15	$ 0.69	$ 0.19	$ 0.54	$ 0.68	$ 3.24	$ 2.10	$ 2.26
Weighted average number of shares outstanding, basic	247,179,561	251,640,055	260,796,757	271,725,775	274,036,118	277,010,690	285,426,801	291,945,750	258,032,085	282,732,526	301,676,941
Weighted Average Number of Shares Outstanding, Diluted	252,803,300	256,862,595	265,549,655	275,432,461	277,226,628	279,924,410	287,882,787	293,993,474	262,880,631	285,471,064	303,296,612

Information About Segments of_3

Information About Segments of Business (Details) - USD ($) $ in Millions		3 Months Ended								12 Months Ended
		Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024		Dec. 31, 2023		Dec. 31, 2022
Consolidated Revenues [Abstract]
Premiums Written, Net										$ 7,381		$ 6,682.9		$ 7,511.6
Net premiums earned										7,026.4		6,445.9		7,342.1
Title, escrow and other fees										284.4		261.8		333.2
Other income										177.6		163.1		149.9
Sub-total										7,310.8		6,707.7		7,675.3
Total operating revenues										8,161.6		7,449.3		8,284.9
Consolidated revenues		$ 2,002	$ 2,341.7	$ 1,871.7	$ 2,015.9	$ 1,941.1	$ 1,760.1	$ 1,798.3	$ 1,758.7	8,231.5		7,258.3		8,083.7
Consolidated Income (Loss) Before Taxes (Credits) [Abstract]
Policyholder Benefits and Claims Incurred, Net										3,024.4		2,580		2,427.7
Dividends to policyholders										23.5		16.5		12.5
Insurance Commissions	[1]									2,148.2		2,073.6		2,899.9
Taxes and Licenses	[1]									212		183.1		238.4
Commissions, Insurance taxes, licenses, and fees	[1]									2,360.3		2,256.7		3,138.4
General expenses, taxes and fees	[1]									1,676		1,586.9		1,580.8
Underwriting Acquisition And Other Expenses										4,036.4		3,843.6		4,719.2
Segment underwriting income (loss)										404		430.6		665.8
Net investment income										673.1		578.3		459.5
Interest and other charges										77.3		70.5	[2]	66.7	[3]
Income (loss) before income taxes (credits) and realized investment gains or losses	[4]									999.8		938.4		1,058.6
Income taxes (credits) on above										202.7		188.8		213.4
Net income excluding investment gains (losses)										797		749.5		845.1
Consolidated net realized investment gains (losses)										88.8		(67)		62.2
Unrealized from changes in fair value of equity securities										(18.9)		(123.9)		(263.4)
Net realized gains (losses)										55.7		(150.8)		(158.6)
Net income		105.1	$ 338.9	$ 91.8	$ 316.7	190.6	$ 52.6	$ 155.5	$ 199.8	$ 852.7		$ 598.6		$ 686.4
Combined Ratio										93.90%		92.60%		91%
Consolidated income (loss) before income taxes (credits)										$ 1,069.7		$ 747.4		$ 857.4
Consolidated Income Tax Expense (Credits) [Abstract]
Income tax expense (credits)										216.9		148.7		170.9
Income tax expense (credits) on consolidated net realized investment gains (losses)										14.2		(40)		(42.5)
Consolidated assets [Abstract]
Assets		27,843.1				26,501.4				27,843.1		26,501.4
Segment Reporting, Reconciling Item, Corporate Nonsegment
Consolidated assets [Abstract]
Assets	[5]	1,532.4				2,145.8				1,532.4		2,145.8
Consolidation elimination adjustments [Member]
Consolidated Revenues [Abstract]
Premiums Written, Net										0		0		0
Net premiums earned										0		0		0
Title, escrow and other fees										0		0		0
Other income										0		0		0
Sub-total										0		0		0
Consolidated Income (Loss) Before Taxes (Credits) [Abstract]
Policyholder Benefits and Claims Incurred, Net										0		0		0
Dividends to policyholders										0		0		0
Insurance Commissions										0		0		0
Taxes and Licenses										0		0		0
Commissions, Insurance taxes, licenses, and fees										0		0		0
General expenses, taxes and fees										0		0		0
Underwriting Acquisition And Other Expenses										0		0		0	[1]
Segment underwriting income (loss)										0		0		0
Net investment income										(63.7)	[6]	(76.5)	[2]	(70)	[3]
Interest and other charges										(63.7)	[6]	(76.5)	[2]	(70)	[3]
Income (loss) before income taxes (credits) and realized investment gains or losses										0		0	[4]	0	[4]
Income taxes (credits) on above										0		0		0
Net income excluding investment gains (losses)										0		0		0
Consolidated assets [Abstract]
Assets	[7]	(168.4)				(303.2)				(168.4)		(303.2)
Specialty Insurance Group [Member] | Operating Segments
Consolidated Revenues [Abstract]
Premiums Written, Net										5,030.5		4,356.3		3,978.2
Net premiums earned										4,677		4,119.2		3,808.6
Title, escrow and other fees										0		0		0
Other income										177		162.2		148.9
Sub-total										4,677		4,119.2		3,808.6
Consolidated Income (Loss) Before Taxes (Credits) [Abstract]
Policyholder Benefits and Claims Incurred, Net	[1]									2,975.6		2,536.7		2,352
Dividends to policyholders	[1]									23.5		16.5		12.5
Insurance Commissions	[1]									546.8		465.3		435.1
Taxes and Licenses	[1]									172.7		159.8		161.1
Commissions, Insurance taxes, licenses, and fees	[1]									719.6		625.2		596.2
General expenses, taxes and fees	[1]									771.1		697		595.7
Underwriting Acquisition And Other Expenses	[1]									1,490.8		1,322.2		1,192
Segment underwriting income (loss)										364		406		400.9
Net investment income										546.5		462.7		358
Interest and other charges										62.3	[6]	80.9	[2]	69.1	[3]
Income (loss) before income taxes (credits) and realized investment gains or losses	[4]									848.3		787.8		689.8
Income taxes (credits) on above										173.4		158.3		139.6
Net income excluding investment gains (losses)										$ 674.8		$ 629.5		$ 550.1
Combined Ratio										92.20%		90.20%		89.50%
Consolidated assets [Abstract]
Assets		24,563.2				22,710.5				$ 24,563.2		$ 22,710.5
Title Insurance Group [Member] | Operating Segments
Consolidated Revenues [Abstract]
Premiums Written, Net										2,334.6		2,300.9		$ 3,500.6
Net premiums earned										2,334.6		2,300.9		3,500.6
Title, escrow and other fees										284.4		261.8		333.2
Other income										0.6		0.7		0.9
Sub-total										2,619.1		2,562.8		3,833.8
Consolidated Income (Loss) Before Taxes (Credits) [Abstract]
Policyholder Benefits and Claims Incurred, Net	[1]									46.1		48.7		89.1
Dividends to policyholders	[1]									0		0		0
Insurance Commissions	[1]									1,601.2		1,608.1		2,464.8
Taxes and Licenses	[1]									37.5		18.7		73.5
Commissions, Insurance taxes, licenses, and fees	[1]									1,638.7		1,626.8		2,538.3
General expenses, taxes and fees	[1]									855.1		812.4		945.8
Underwriting Acquisition And Other Expenses	[1]									2,493.8		2,439.3		3,484.2
Segment underwriting income (loss)										79.7		75.4		261.3
Net investment income										63.2		57		47.9
Interest and other charges										(1.1)	[6]	(1)	[2]	0.4	[3]
Income (loss) before income taxes (credits) and realized investment gains or losses	[4]									144.1		133.5		308.8
Income taxes (credits) on above										30.3		27.7		67
Net income excluding investment gains (losses)										$ 113.7		$ 105.8		$ 241.8
Combined Ratio										97%		97.10%		93.20%
Consolidated assets [Abstract]
Assets		1,915.8				1,948.2				$ 1,915.8		$ 1,948.2
Total of major segments [Member] | Operating Segments
Consolidated assets [Abstract]
Assets		$ 26,479.1				$ 24,658.8				26,479.1		24,658.8
Corporate & Other [Member] | Operating Segments
Consolidated Revenues [Abstract]
Premiums Written, Net	[4]									15.9		25.6		$ 32.8
Net premiums earned	[4]									14.6		25.6		32.9
Title, escrow and other fees	[4]									0		0		0
Other income	[4]									0		0		0
Sub-total	[4]									14.6		25.6		32.9
Consolidated Income (Loss) Before Taxes (Credits) [Abstract]
Policyholder Benefits and Claims Incurred, Net	[4]									2.6		(5.4)		(13.4)	[1]
Dividends to policyholders	[4]									0		0		0	[1]
Insurance Commissions	[4]									0.1		0.1		0	[1]
Taxes and Licenses	[4]									1.7		4.4		3.8	[1]
Commissions, Insurance taxes, licenses, and fees	[4]									1.9		4.6		3.7	[1]
General expenses, taxes and fees	[4]									49.7		77.4		39.1	[1]
Underwriting Acquisition And Other Expenses	[1],[4]									51.7		82		42.9
Segment underwriting income (loss)	[4]									(39.8)		(50.9)		3.5
Net investment income	[4]									127		135		123.6
Interest and other charges	[4]									79.8	[6]	67.2	[2]	67.1	[3]
Income (loss) before income taxes (credits) and realized investment gains or losses	[4]									7.3		16.9		59.9
Income taxes (credits) on above	[4]									(1)		2.7		6.7
Net income excluding investment gains (losses)	[4]									$ 8.4		$ 14.1		$ 53.1
[1] (c) The significant expense categories and amounts align with the segment-level information that is regularly provided to the chief operating decision maker. There are no other segment expenses that are part of reported segment profit or loss amounts that are not included in one of the above categories. (b) Consolidation elimination adjustments include intercompany financing arrangements for which interest charges with Old Republic's parent holding company for the following reportable segments were: Specialty - $76.5 and Title - $–, for the year ended December 31, 2023. (b) Consolidation elimination adjustments include intercompany financing arrangements for which interest charges with Old Republic's parent holding company for the following reportable segments were: Specialty - $68.9 and Title - $0.8 for the year ended December 31, 2022. (a) Includes the RFIG Run-off business through the effective date of its sale of May 31, 2024, a small life and accident insurance business, the parent holding company, and several internal corporate services subsidiaries. (a) Includes the RFIG Run-off business through the effective date of its sale of May 31, 2024, a small life and accident insurance business, the parent holding company and several internal corporate services subsidiaries. (b) Includes predominately intercompany debt and various reclassifications.

Information About Segments of_4

Information About Segments of Business Textuals (Details) $ in Millions	12 Months Ended			24 Months Ended
	Dec. 31, 2024 USD ($) segment	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Dec. 31, 2024 USD ($) segment
Segment Reporting Information
Number of major segments | segment	2			2
Net premiums earned	$ 7,026.4	$ 6,445.9	$ 7,342.1
Disposal Group, Not Discontinued Operation, Gain (Loss) on Disposal	5.4	$ 45.6		$ 51
Disposal Group, Not Discontinued Operation, Gain (Loss) on Disposal, Statement of Income or Comprehensive Income [Extensible Enumeration]		Consolidated revenues
Specialty Insurance Group [Member]
Segment Reporting Information
Interest - other	63.7	$ 76.5	68.9
Title Insurance Group [Member]
Segment Reporting Information
Interest - other	$ 0	$ 0	$ 0.8
Commercial Automobile [Member]
Segment Reporting Information
Commercial auto net premiums earned	41.90%

Information About Segments of_5

Information About Segments of Business Reconciliation of Assets from Segment to Consolidated (Details) - USD ($) $ in Millions		Dec. 31, 2024	Dec. 31, 2023
Segment Reporting, Asset Reconciling Item
Assets		$ 27,843.1	$ 26,501.4
Consolidation elimination adjustments [Member]
Segment Reporting, Asset Reconciling Item
Assets	[1]	$ (168.4)	$ (303.2)
[1](b)    Includes predominately intercompany debt and various reclassifications

Transactions with Affiliates (D

Transactions with Affiliates (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Transactions with Affiliates
Premiums earned, Assumed from Old Republic	$ 110	$ 96.2	$ 89.4
Premiums earned, Ceded to Old Republic	2,659.6	2,496.7	2,310.5
American Business & Mercantile Insurance Mutual [Member]
Transactions with Affiliates
Premiums earned, Assumed from Old Republic	1.1	0.7	0.3
Premiums earned, Ceded to Old Republic	0	0	0.1
Commission and fees, Assumed from Old Republic	0.3	0.1	0.1
Commissions and fees, Ceded to Old Republic	0	0	0
Losses and loss expenses, Assumed from Old Republic	1.2	2.9	0.9
Losses and loss expenses, Ceded to Old Republic	0.1	0	0.1
Loss and loss expense reserves, Assumed from Old Republic	4	4.3	7.1
Loss and loss expense reserves, Ceded to Old Republic	1.3	1.4	$ 2.7
Mutual's statutory capital included surplus notes due to Old Republic	10.5	10.5
Total statutory capital	$ 69.4	$ 62.4

Schedule I - Summary of Inves_2

Schedule I - Summary of Investments - Other Than Investments in Related Parties (Details) - USD ($) $ in Millions		Dec. 31, 2024	Dec. 31, 2023
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Investment Owned, at Cost	[1]	$ 15,033.3
Investments		16,079	$ 15,867.7
Short-term Investments [Member]
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	[1]	1,403.7
Amount at which shown in balance sheet		1,403.7
Other investments [Member]
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	[1]	42.8
Amount at which shown in balance sheet		42.8
Fixed maturity securities [Member] | United States Government and government agencies and authorities [Member]
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	[1]	1,771.2
Fair Value		1,714.9
Amount at which shown in balance sheet		1,714.9
Fixed maturity securities [Member] | States, municipalities and political subdivisions [Member]
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	[1]	319.6
Fair Value		317.9
Amount at which shown in balance sheet		317.9
Fixed maturity securities [Member] | Foreign government [Member]
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	[1]	179.3
Fair Value		176.9
Amount at which shown in balance sheet		176.9
Fixed maturity securities [Member] | Corporate, industrial and all other [Member]
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	[1]	9,905.8
Fair Value		9,881.7
Amount at which shown in balance sheet		9,881.7
Fixed maturity securities [Member] | Fixed Maturities [Member]
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	[1]	12,175.9
Fair Value		12,091.5
Amount at which shown in balance sheet		12,091.5
Equity Securities [Member] | Non-redeemable preferred stock [Member]
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	[1]	0.6
Fair Value		1.4
Amount at which shown in balance sheet		1.4
Equity Securities [Member] | Banks, trust and insurance companies [Member]
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	[1]	73.8
Fair Value		169.3
Amount at which shown in balance sheet		169.3
Equity Securities [Member] | Industrial, miscellaneous, and all others [Member]
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	[1]	1,336.2
Fair Value		2,369.9
Amount at which shown in balance sheet		2,369.9
Equity Securities [Member] | Equity Securities [Member]
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost	[1]	1,410.7
Fair Value		2,540.7
Amount at which shown in balance sheet		2,540.7
Fixed Maturity and Short-Term Investments
Summary of Investments, Other than Investments in Related Parties, Reportable Data
Cost		13,579.7
Amount at which shown in balance sheet		$ 13,495.3
[1] (a) Represents original cost of equity securities, and as to fixed incomes, original cost reduced by repayments and adjusted for amortization of premium or accrual of discount.

Schedule II - Condensed Finan_2

Schedule II - Condensed Financial Information of Registrant Balance Sheets (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Assets:
Short-term investments	$ 1,403.7	$ 1,032.6
Other assets	1,080.2	981.5
Total assets	27,843.1	26,501.4
Liabilities:
Debt	1,588.7	1,591.2
Total liabilities	22,224.1	20,090.7
Common Shareholders' Equity:
Common stock	248.8	278.3
Additional paid-in capital	0	678.7
Retained earnings	5,519.7	5,644.3
Accumulated other comprehensive loss	(102.4)	(132.4)
Unallocated ESSOP Shares	47.1	58.2
Total Common Shareholders' Equity	5,618.9	6,410.7
Liabilities and Common Shareholders' Equity:
Total liabilities, preferred stock and common shareholders' equity	27,843.1	26,501.4
Parent Company [Member]
Assets:
Bond and notes	10.5	10.5
Short-term investments	128.1	21.1
Cash	26.7	5
Investments in, and indebtedness of related parties	7,579.1	8,027.7
Other assets	153.5	116.6
Total assets	7,898.1	8,181
Liabilities:
Accounts payable and accrued expenses	588.8	69.6
Debt	1,588.7	1,591.2
Accounts Payable, Related Party, Type [Extensible Enumeration]	101.6	109.4
Total liabilities	2,279.2	1,770.3
Liabilities and Common Shareholders' Equity:
Total liabilities, preferred stock and common shareholders' equity	$ 7,898.1	$ 8,181

Schedule II - Condensed Finan_3

Schedule II - Condensed Financial Information of Registrant Statements of Income (Details) - USD ($) $ in Millions		3 Months Ended								12 Months Ended
		Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Revenues:
Investment income from subsidiaries										$ 673.1	$ 578.3	$ 459.5
Realized Investment Gains Losses From Sales										94.3	(15.2)	185.7
Total revenues		$ 2,002	$ 2,341.7	$ 1,871.7	$ 2,015.9	$ 1,941.1	$ 1,760.1	$ 1,798.3	$ 1,758.7	8,231.5	7,258.3	8,083.7
Expenses:
General expenses, taxes and fees	[1]									1,676	1,586.9	1,580.8
Federal income taxes (credits)										216.9	148.7	170.9
Net Income		$ 105.1	$ 338.9	$ 91.8	$ 316.7	$ 190.6	$ 52.6	$ 155.5	$ 199.8	852.7	598.6	686.4
Parent Company [Member]
Revenues:
Investment income from subsidiaries										112.1	122	118
Real estate and other income										4.3	4.1	4.2
Other investment income										5.3	4.8	1.2
Realized Investment Gains Losses From Sales										0	(4.5)	0
Total revenues										121.8	126.5	123.6
Expenses:
Interest - subsidiaries										3.6	4.2	3.9
Interest - other										79.8	67.1	67.1
Real estate and other expenses										5.2	4.8	4.5
General expenses, taxes and fees										35.8	57.1	23.6
Total expenses										124.5	133.3	99.2
Revenues, net of expenses										(2.7)	(6.8)	24.3
Federal income taxes (credits)										(1.7)	(0.8)	2.9
Income (loss) before equity in earnings (losses) of subsidiaries										(0.9)	(5.9)	21.3
Dividends received										796.2	673.3	614.6
Earnings (losses) in excess of dividends										57.4	(68.6)	50.5
Net Income										$ 852.7	$ 598.6	$ 686.4
[1] (c) The significant expense categories and amounts align with the segment-level information that is regularly provided to the chief operating decision maker. There are no other segment expenses that are part of reported segment profit or loss amounts that are not included in one of the above categories.

Schedule II - Condensed Finan_4

Schedule II - Condensed Financial Information of Registrant Statements of Cash Flows (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Cash flows from operating activities:
Net income	$ 105.1	$ 338.9	$ 91.8	$ 316.7	$ 190.6	$ 52.6	$ 155.5	$ 199.8	$ 852.7	$ 598.6	$ 686.4
Adjustments to reconcile net income to net cash provided by operating activities:
Federal income taxes									20.8	(47.1)	(54.7)
Realized Investment Gains (Losses)									88.8	(67)	62.2
Other - net									(45.4)	136.3	1.9
Total									1,233.4	880.4	1,170.6
Cash flows from investing activities:
Maturities and early calls									1,617.8	1,353.2	1,356.1
Net decrease (increase) in short-term investments									(390.5)	(362.6)	(295.7)
Total									(3.9)	25.3	(415)
Cash flows from financing activities:
Issuance of common shares									2	31.1	26.6
Redemption of debentures and notes									(400)	(5.3)	0
Dividends on common shares									(271.9)	(275.5)	(579.7)
Treasury stock acquired									(942.2)	(535.3)	(281.2)
Other - net									(10.7)	1.8	1.5
Total									(1,226.9)	(783.2)	(832.7)
Increase (decrease) in cash									2.4	122.5	(77.1)
Cash, beginning of year				202.8					202.8
Cash, end of year	201.9				202.8				201.9	202.8
Parent Company [Member]
Cash flows from operating activities:
Net income									852.7	598.6	686.4
Adjustments to reconcile net income to net cash provided by operating activities:
Accounts receivable									0.7	(0.9)	0
Federal income taxes									8.5	(49.8)	59.4
Excess of equity in net (income) loss of subsidiaries over cash dividends received									(57.4)	68.6	(50.5)
Realized Investment Gains (Losses)									0	(4.5)	0
Other - net									(28.8)	14.7	(34.8)
Total									775.7	635.8	660.6
Cash flows from investing activities:
Purchase of fixed assets for Company use									(1.8)	(3.2)	(4.1)
Net repayment (issuance) of notes to related parties									595.5	54.6	64.9
Net decrease (increase) in short-term investments									(107)	13.9	(23.8)
Investment In,And Indebtedness Of Related Parties, Net									0	85	140
Total									486.6	150.3	176.9
Cash flows from financing activities:
Proceeds from Issuance of Long-term Debt									395.9	0	0
Net receipt (repayment) of notes and loans from related parties									(13.6)	(5.1)	(4.8)
Issuance of common shares									2	31.1	26.6
Redemption of debentures and notes									(400)	0	0
Dividends on common shares									(271.9)	(275.5)	(579.7)
Treasury stock acquired									(942.2)	(535.3)	(281.2)
Other - net									(10.8)	1.7	1.5
Total									(1,240.6)	(783.1)	(837.6)
Increase (decrease) in cash									21.7	3	0
Cash, beginning of year				$ 5				$ 2	5	2	2
Cash, end of year	$ 26.7				$ 5				$ 26.7	$ 5	$ 2

Schedule II - Condensed Finan_5

Schedule II - Condensed Financial Information of Registrant Debt (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Senior Notes Due 2026 [Member]
Condensed Financial Statements, Captions [Line Items]
Debt Instrument, Face Amount	$ 550
Debt Instrument, Interest Rate, Stated Percentage	3.875%	3.875%
Maturity date of debt	Aug. 26, 2026	Aug. 26, 2026
Senior Notes Due 2024 [Member]
Condensed Financial Statements, Captions [Line Items]
Debt Instrument, Face Amount	$ 400
Debt Instrument, Interest Rate, Stated Percentage	4.875%	4.875%
Maturity date of debt	Oct. 01, 2024	Oct. 01, 2024
Senior Notes Due 2051
Condensed Financial Statements, Captions [Line Items]
Debt Instrument, Face Amount	$ 650
Debt Instrument, Interest Rate, Stated Percentage	3.85%	3.85%
Maturity date of debt	Jun. 11, 2051	Jun. 11, 2051
Senior Notes due 2034
Condensed Financial Statements, Captions [Line Items]
Debt Instrument, Face Amount	$ 400
Debt Instrument, Interest Rate, Stated Percentage	5.75%
Maturity date of debt	Mar. 28, 2034

Schedule II - Condensed Finan_6

Schedule II - Condensed Financial Information of Registrant Share Repurchase (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	2 Months Ended	12 Months Ended
	Feb. 19, 2025	Dec. 31, 2024
Condensed Financial Statements, Captions [Line Items]
Treasury Stock, Value, Acquired, Cost Method		$ 951.6
Treasury Stock, Shares, Acquired		29.9
Treasury Stock Acquired, Average Cost Per Share		$ 31.82
Subsequent Event
Condensed Financial Statements, Captions [Line Items]
Treasury Stock, Value, Acquired, Cost Method	$ 25.5
Treasury Stock, Shares, Acquired	0.7
Treasury Stock Acquired, Average Cost Per Share	$ 34.57
May 12, 2023 Authorization
Condensed Financial Statements, Captions [Line Items]
Share Repurchase Program, Authorized, Amount		$ 450
March 1, 2024 Authorization
Condensed Financial Statements, Captions [Line Items]
Share Repurchase Program, Authorized, Amount		$ 1,100

Schedule III - Supplementary _2

Schedule III - Supplementary Insurance Information (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023		Dec. 31, 2022
Supplementary Insurance Information, by Segment
Deferred Policy Acquisition Costs		$ 531.3	$ 417.8		$ 382.5
Loss and Loss Adjustment Expenses Reserves		13,727.7	12,538.2		12,221.5
Unearned Premiums		3,505.4	3,042.6		2,787.8
Other Policyholders' Benefits and Funds		174	150.4		182.2
Premium Revenue		7,026.4	6,445.9		7,342.1
Net Investment Income		673.1	578.3		459.5
Loss and Loss Adjustment Expenses		3,048	2,596.6		2,440.2
Amortization of Deferred Policy Acquisition Costs		770	680		591.4
Other Operating Expenses		3,343.6	3,234.1		4,194.5
Premiums Written		7,381	6,682.9		7,511.6
Reinsurance Recoverables Policy And Loss Reserves		6,728.7	5,468.5		4,825.1
Disposal Group, Not Discontinued Operations
Supplementary Insurance Information, by Segment
Loss and Loss Adjustment Expenses Reserves			54.9
Unearned Premiums			0.1
Specialty Insurance Segment [Member]
Supplementary Insurance Information, by Segment
Deferred Policy Acquisition Costs		531.1	417.6		382.2
Loss and Loss Adjustment Expenses Reserves		7,341.5	6,955.2		6,824.8
Unearned Premiums		2,591.4	2,253.1		2,028.5
Other Policyholders' Benefits and Funds		134.5	109.3		137.1
Premium Revenue		4,677	4,119.2		3,808.6
Net Investment Income		546.5	462.7		358
Loss and Loss Adjustment Expenses		2,999.1	2,553.3		2,364.6
Amortization of Deferred Policy Acquisition Costs		770	680		591.2
Other Operating Expenses		783.1	723		669.5
Premiums Written		5,030.5	4,356.3		3,978.2
Title Insurance Group [Member]
Supplementary Insurance Information, by Segment
Deferred Policy Acquisition Costs		0	0		0
Loss and Loss Adjustment Expenses Reserves		572.7	598.5		612.8
Unearned Premiums		0	0		0
Other Policyholders' Benefits and Funds		1.6	1.5		3.3
Premium Revenue		2,334.6	2,300.9		3,500.6
Net Investment Income		63.2	57		47.9
Loss and Loss Adjustment Expenses		46.1	48.7		89.1
Amortization of Deferred Policy Acquisition Costs		0	0		0
Other Operating Expenses		2,492.7	2,438.2		3,484.6
Premiums Written		2,334.6	2,300.9		3,500.6
Corporate & Other [Member]
Supplementary Insurance Information, by Segment
Deferred Policy Acquisition Costs	[1]	0.1	0.2	[2]	0.2
Loss and Loss Adjustment Expenses Reserves	[1]	6.4	6.6	[2]	84.2
Unearned Premiums	[1]	0	0	[2]	0.1
Other Policyholders' Benefits and Funds	[1]	30.2	30.8	[2]	31.8
Premium Revenue	[1]	14.6	25.6	[2]	32.9
Net Investment Income	[1]	63.3	58.5	[2]	53.5
Loss and Loss Adjustment Expenses	[1]	2.6	(5.4)	[2]	(13.4)
Amortization of Deferred Policy Acquisition Costs	[1]	0	0	[2]	0.2
Other Operating Expenses	[1]	67.8	72.7	[2]	40.3
Premiums Written	[1]	15.9	25.6	[2]	32.8
Reinsurance Recoverable [Member]
Supplementary Insurance Information, by Segment
Deferred Policy Acquisition Costs	[3]	0	0		0
Loss and Loss Adjustment Expenses Reserves	[3]	5,807.1	4,977.7		4,699.5
Unearned Premiums	[3]	913.9	789.5		759.1
Other Policyholders' Benefits and Funds	[3]	7.6	8.6		9.8
Premium Revenue	[3]	0	0		0
Net Investment Income	[3]	0	0		0
Loss and Loss Adjustment Expenses	[3]	0	0		0
Amortization of Deferred Policy Acquisition Costs	[3]	0	0		0
Other Operating Expenses	[3]	0	0		0
Premiums Written	[3]	$ 0	$ 0		$ 0
[1] (a) Includes amounts for the RFIG Run-off business through the effective date of its sale of May 31, 2024, a small life and accident insurance business, the parent holding company, several internal corporate services subsidiaries, and consolidation elimination adjustments. (b) RFIG Run-off loss and loss adjustment expense reserves of $54.9 and unearned premiums of $0.1 were classified as held-for-sale as of December 31, 2023. See Note 2 in the Notes to Consolidated Financial Statements included in the Annual Report on Form 10-K for further discussion.

Schedule IV - Reinsurance (Deta

Schedule IV - Reinsurance (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Reinsurance Premiums for Insurance Companies, by Product Segment
Gross amount	$ 9,575.9	$ 8,846.4	$ 9,563.3
Ceded Premiums Earned	2,659.6	2,496.7	2,310.5
Assumed Premiums Earned	110	96.2	89.4
Net premiums earned	$ 7,026.4	$ 6,445.9	$ 7,342.1
Percentage of amount assumed to net	1.60%	1.50%	1.20%
Business Intersegment, Eliminations [Member]
Reinsurance Premiums for Insurance Companies, by Product Segment
Gross amount	$ 0	$ 0	$ 0
Ceded Premiums Earned	(0.2)	(0.3)	(0.3)
Assumed Premiums Earned	(0.2)	(0.3)	(0.3)
Net premiums earned	$ 0	$ 0	$ 0
Percentage of amount assumed to net	0%	0%	0%
Life Insurance in Force [Member]
Reinsurance Premiums for Insurance Companies, by Product Segment
Gross amount	$ 650.6	$ 933.8	$ 1,266.7
Ceded Premiums Earned	351.4	563.3	784.5
Assumed Premiums Earned	0	0	0
Net premiums earned	$ 299.1	$ 370.4	$ 482.1
Percentage of amount assumed to net	0%	0%	0%
Life Insurance [Member]
Reinsurance Premiums for Insurance Companies, by Product Segment
Gross amount	$ 5.6	$ 6.5	$ 7.1
Ceded Premiums Earned	2.1	2.6	3.2
Assumed Premiums Earned	0	0	0
Net premiums earned	$ 3.5	$ 3.8	$ 3.9
Percentage of amount assumed to net	0%	0%	0%
General Insurance [Member]
Reinsurance Premiums for Insurance Companies, by Product Segment
Gross amount	$ 7,221.8	$ 6,513.2	$ 6,021
Ceded Premiums Earned	2,652.8	2,488.6	2,299.5
Assumed Premiums Earned	108	94.7	87.1
Net premiums earned	$ 4,677	$ 4,119.2	$ 3,808.6
Percentage of amount assumed to net	2.30%	2.30%	2.30%
Title Insurance Group [Member]
Reinsurance Premiums for Insurance Companies, by Product Segment
Gross amount	$ 2,332.3	$ 2,299.1	$ 3,498.1
Ceded Premiums Earned	0	0	0.1
Assumed Premiums Earned	2.2	1.8	2.6
Net premiums earned	$ 2,334.6	$ 2,300.9	$ 3,500.6
Percentage of amount assumed to net	0.10%	0.10%	0%
RFIG Run-off [Member]
Reinsurance Premiums for Insurance Companies, by Product Segment
Gross amount	$ 5.7	$ 16.4	$ 23.2
Ceded Premiums Earned	0	0	0
Assumed Premiums Earned	0	0	0
Net premiums earned	$ 5.7	$ 16.4	$ 23.2
Percentage of amount assumed to net	0%	0%	0%
Accident and health Insurance [Member]
Reinsurance Premiums for Insurance Companies, by Product Segment
Gross amount	$ 10.4	$ 11.1	$ 13.7
Ceded Premiums Earned	4.9	5.8	8
Assumed Premiums Earned	0	0	0
Net premiums earned	$ 5.4	$ 5.3	$ 5.6
Percentage of amount assumed to net	0%	0%	0%
Life & Accident Insurance [Member]
Reinsurance Premiums for Insurance Companies, by Product Segment
Gross amount	$ 16.1	$ 17.6	$ 20.8
Ceded Premiums Earned	7.1	8.4	11.2
Assumed Premiums Earned	0	0	0
Net premiums earned	$ 8.9	$ 9.1	$ 9.6
Percentage of amount assumed to net	0%	0%	0%

Schedule V - Valuation and Qu_2

Schedule V - Valuation and Qualifying Accounts (Details) - Reserve for unrecoverable reinsurance [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023		Dec. 31, 2022
SEC Schedule, 12-09, Movement in Valuation Allowances and Reserves [Roll Forward]
Balance at Beginning of Period	$ 43.6	$ 43		$ 40.1
Charged to Cost and Expenses	8.5	0.6	[1]	2.9
Charged to Other Accounts - Describe	0	0		0
Deductions - Describe	0	0		0
Balance at End of Period	$ 52.2	$ 43.6		$ 43
[1]RFIG Run-off credit loss reserve of $0.1 has been classified as held-for-sale as of December 31, 2023. See Note 2 in the Notes to Consolidated Financial Statements included in the Annual Report on Form 10-K for further discussion.

Schedule VI - Supplemental In_2

Schedule VI - Supplemental Information Concerning Property-Casualty Insurance Operations (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Supplemental Information for Property, Casualty Insurance Underwriters
Current Year Loss and Loss Adjustment Expenses		$ 3,178.8	$ 2,886.8	$ 2,711.1
Prior Year Loss and Loss Adjustment Expenses		(151.9)	(305.8)	(282.6)
SEC Schedule, 12-18, Supplemental Information, Property-Casualty Insurance Underwriters, Consolidated Property and Casualty Insurance Entity [Member]
Supplemental Information for Property, Casualty Insurance Underwriters
Deferred Policy Acquisition Costs	[1]	531.1	417.6	382.2
Loss and Loss Adjustment Expense Reserves	[1],[2]	7,341.5	6,955.2	6,824.8
Discount If Any Deducted From Reserves	[1]	171.8	179.9	184.7
Unearned Premiums	[1],[2]	2,591.4	2,253.1	2,028.5
Earned Premiums	[1]	4,677	4,119.2	3,808.6
Net Investment Income	[1]	546.5	462.7	358
Current Year Loss and Loss Adjustment Expenses	[1]	3,081.9	2,770.7	2,545.1
Prior Year Loss and Loss Adjustment Expenses	[1]	(106.2)	(234)	(193.1)
Amortization of Deferred Policy Acquisition Costs	[1]	770	680	591.2
Paid Loss and Loss Adjustment Expenses	[1]	2,589.3	2,406.2	2,114.2
Premiums Written	[1]	$ 5,030.5	$ 4,356.3	$ 3,978.2
[1]Includes consolidated property-casualty entities. The amounts relating to the Company's unconsolidated property-casualty subsidiaries and the proportionate share of the registrant's and its subsidiaries' 50%-or-less owned property-casualty equity investees are immaterial and have, therefore, been omitted from this schedule.[2]See note (c) to Schedule III.