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AMERICAN SAFETY INSURANCE HOLDINGS, LTD.
EXHIBIT 12
RATIO OF EARNINGS TO FIXED CHARGES
(in thousands)
2004 2005 2006 Earnings Pre-tax earnings $ 18,453 $ 16,048 $22,846 Plus: Interest expense recognized 1,398 1,433 3,635 Total earnings 19,851 17,481 26,481 Fixed charges Interest expenses for the period 1,291 1,433 3,635 Total fixed charges $ 1,291 $ 1,433 $ 3,635 Coverage Ratio 15.38 12.20 7.29