OHIO CASUALTY GROUP Exhibit 28
SCHEDULE P-PART 1 - SUMMARY
as of December 31, 2003
PREMIUMS EARNED LOSS PAYMENTS
(1) (2) (3) (4) (5)
ACC/YR DIR & ASSUMED CEDED NET DIR & ASSUMED CEDED
PRIOR XXXX XXXX XXXX 24,259,298 5,859,522
1994 1,342,790,625 45,133,158 1,297,657,467 827,921,540 8,889,537
1995 1,305,588,605 41,012,065 1,264,576,540 750,817,632 6,979,871
1996 1,253,886,669 30,533,833 1,223,352,836 804,738,392 6,804,992
1997 1,236,434,526 32,169,379 1,204,265,147 738,444,283 7,558,324
1998 1,321,641,601 53,814,016 1,267,827,585 810,897,558 18,717,688
1999 1,660,202,634 105,894,483 1,554,308,151 1,079,747,918 91,630,348
2000 1,656,046,645 123,025,174 1,533,021,472 1,003,004,933 52,133,534
2001 1,598,184,985 92,006,212 1,506,178,773 773,376,924 40,012,407
2002 1,550,466,775 100,090,215 1,450,376,560 534,186,846 15,758,010
2003 1,556,114,209 131,667,996 1,424,446,213 336,125,235 5,271,595
TOTAL XXXX XXXX XXXX 7,683,520,559 259,615,828
SALVAGE &
DEFENSE AND COST CONTAINMENT SUBROGATION
PAYMENTS ADJUSTING AND OTHER PAYMENTS RECEIVED
(6) (7) (8) (9) (10)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 6,835,979 635,544 1,185,198 0 1,018,820
1994 61,630,862 8,869 73,799,002 -326,974 31,967,899
1995 53,715,201 97,828 69,891,902 -700,728 29,523,990
1996 54,753,687 -494,515 79,534,189 -1,610,736 30,753,431
1997 46,342,380 392,808 75,174,815 -2,883,083 32,239,570
1998 39,920,046 1,710,191 96,998,213 -2,967,878 34,792,624
1999 59,070,630 4,343,816 115,000,702 575,380 41,976,386
2000 51,292,698 5,096,444 102,727,399 249,721 44,807,056
2001 25,654,538 1,437,453 96,903,376 355,974 52,992,908
2002 10,557,218 490,882 75,631,978 98,038 26,752,936
2003 1,655,792 27,904 56,160,752 7,832 10,076,751
TOTAL 411,429,030 13,747,223 843,007,527 -7,202,454 336,902,371
NUMBER OF
TOTAL NET PAID CLAIMS REP0RTED
(11) (12)
ACC/YR DIR & ASSUMED
PRIOR 25,785,409 XXXX
1994 954,779,972 XXXX
1995 868,047,764 XXXX
1996 934,326,527 XXXX
1997 854,893,430 XXXX
1998 930,355,817 XXXX
1999 1,157,269,706 XXXX
2000 1,099,545,330 XXXX
2001 854,129,004 XXXX
2002 604,029,110 XXXX
2003 388,634,448 XXXX
TOTAL 8,671,796,518 XXXX
LOSSES UNPAID
CASE BASIS BULK + IBNR
(13) (14) (15) (16)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 166,768,941 62,857,693 102,679,937 29,226,830
1994 9,868,761 398,517 9,207,414 2,321,751
1995 13,383,180 2,751,415 8,364,333 2,167,398
1996 10,409,325 450,558 9,644,312 3,000,187
1997 12,815,543 1,420,644 12,208,266 4,048,086
1998 20,234,529 2,377,368 17,226,247 5,034,390
1999 71,220,339 10,224,484 48,642,621 12,470,897
2000 120,965,755 23,111,298 90,077,410 26,733,294
2001 126,274,645 8,419,782 162,214,874 56,036,136
2002 162,337,258 21,506,151 255,289,828 75,298,612
2003 207,872,695 25,512,898 415,528,795 108,642,370
TOTAL 922,150,970 159,030,808 1,131,084,037 324,979,950
DEFENSE AND COST CONTAINMENT UNPAID
CASE BASIS BULK + IBNR
(17) (18) (19) (20)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 50,705,534 3,452,136
1994 0 0 1,955,082 127,519
1995 0 0 1,990,753 108,321
1996 0 0 2,837,650 163,935
1997 0 0 4,201,677 271,540
1998 0 0 6,914,798 383,264
1999 0 0 20,619,559 820,020
2000 0 0 34,176,736 1,653,282
2001 0 0 48,138,481 4,950,029
2002 0 0 62,469,063 7,053,440
2003 0 0 73,681,858 7,014,035
TOTAL 0 0 307,691,189 25,997,521
SALVAGE & TOTAL NET NUMBER OF
SUBROGATION LOSSES & CLAIMS
ADJUSTING AND OTHER UNPAID ANTICIPATED EXPENSES UNPAID OUTSTANDING
(21) (22) (23) (24) (25)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED
PRIOR 14,466,993 734,872 1,212,382 238,349,874 XXXX
1994 632,758 39,735 282,042 18,776,493 XXXX
1995 1,017,338 59,442 377,733 19,669,027 XXXX
1996 1,180,291 104,954 539,117 20,351,945 XXXX
1997 1,657,926 200,539 915,810 24,942,603 XXXX
1998 3,044,042 558,560 1,407,944 39,066,034 XXXX
1999 9,910,157 1,161,809 3,711,831 125,715,466 XXXX
2000 13,987,804 478,447 6,788,453 207,231,385 XXXX
2001 16,937,989 495,230 9,019,511 283,664,812 XXXX
2002 26,097,964 533,750 11,396,681 401,802,160 XXXX
2003 47,701,618 864,831 20,433,497 602,750,832 XXXX
TOTAL 136,634,881 5,232,168 56,085,000 1,982,320,630 XXXX
TOTAL LOSSES & LOSS EXPENSES INCURRED
(26) (27) (28)
ACC/YR DIR & ASSUMED CEDED NET
PRIOR XXXX XXXX XXXX
1994 985,015,419 11,458,953 973,556,466
1995 899,180,338 11,463,546 887,716,791
1996 963,097,846 8,419,374 954,678,471
1997 890,844,891 11,008,857 879,836,033
1998 995,235,433 25,813,583 969,421,851
1999 1,404,211,925 121,226,753 1,282,985,172
2000 1,416,232,735 109,456,020 1,306,776,714
2001 1,249,500,826 111,707,010 1,137,793,816
2002 1,126,570,155 120,738,884 1,005,831,270
2003 1,138,726,745 147,341,465 991,385,280
TOTAL XXXX XXXX XXXX
LOSS AND LOSS EXPENSE PERCENTAGE NONTABULAR DISCOUNT
(29) (30) (31) (32) (33)
ACC/YR DIR & ASSUMED CEDED NET LOSS LOSS EXPENSE
PRIOR XXXX XXXX XXXX 0 0
1994 73.4 25.4 75.0 0 0
1995 68.9 28.0 70.2 0 0
1996 76.8 27.6 78.0 0 0
1997 72.0 34.2 73.1 0 0
1998 75.3 48.0 76.5 0 0
1999 84.6 114.5 82.5 0 0
2000 85.5 89.0 85.2 0 0
2001 78.2 121.4 75.5 0 0
2002 72.7 120.6 69.3 0 0
2003 73.2 111.9 69.6 0 0
TOTAL XXXX XXXX XXXX 0 0
INTER-COMPANY
POOLING NET BALANCE SHEET RESERVES
PARTICIPATION % AFTER DISCOUNT
(34) (35) (36)
LOSS EXPENSES
ACC/YR LOSSES UNPAID UNPAID
PRIOR XXXX 177,364,355 60,985,519
1994 0.0 16,355,907 2,420,586
1995 0.0 16,828,700 2,840,327
1996 0.0 16,602,892 3,749,053
1997 0.0 19,555,079 5,387,524
1998 0.0 30,049,018 9,017,016
1999 0.0 97,167,578 28,547,888
2000 0.0 161,198,574 46,032,811
2001 0.0 224,033,601 59,631,211
2002 0.0 320,822,324 80,979,837
2003 0.0 489,246,221 113,504,610
TOTAL XXXX 1,569,224,249 413,096,381
OHIO CASUALTY GROUP
SCHEDULE P-PART 1A - HOMEOWNERS
as of December 31, 2003
PREMIUMS EARNED LOSS PAYMENTS
(1) (2) (3) (4) (5)
ACC/YR DIR & ASSUMED CEDED NET DIR & ASSUMED CEDED
PRIOR XXXX XXXX XXXX 93,790 0
1994 167,093,737 9,016,379 158,077,358 137,294,534 91,905
1995 169,545,732 8,427,980 161,117,752 110,670,712 0
1996 170,607,856 4,977,843 165,630,013 157,191,089 41,719
1997 172,710,473 6,175,490 166,534,984 111,670,440 19,132
1998 184,421,391 6,621,418 177,799,973 133,616,017 66,250
1999 188,472,844 7,018,963 181,453,880 142,546,049 771
2000 187,731,873 11,178,562 176,553,312 140,072,107 0
2001 181,186,576 9,239,071 171,947,505 129,416,582 0
2002 164,536,900 7,856,020 156,680,880 102,348,644 0
2003 159,004,182 7,135,219 151,868,963 69,070,296 0
TOTAL XXXX XXXX XXXX 1,233,990,260 219,776
SALVAGE &
DEFENSE AND COST CONTAINMENT SUBROGATION
PAYMENTS ADJUSTING AND OTHER PAYMENTS RECEIVED
(6) (7) (8) (9) (10)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 14,278 714 3,100 0 6,001
1994 7,556,232 595 10,895,217 0 1,749,119
1995 5,986,983 0 8,429,134 0 1,212,256
1996 7,546,990 25 12,355,628 0 1,491,047
1997 4,130,348 0 9,686,287 0 1,285,697
1998 1,674,872 -1,467 12,613,325 7,076 1,375,476
1999 2,124,037 0 14,239,420 0 1,871,164
2000 2,073,835 28,911 12,426,792 0 2,273,993
2001 934,941 0 13,600,704 0 1,277,768
2002 468,169 0 10,897,911 0 613,210
2003 68,961 0 9,244,850 0 359,110
TOTAL 32,579,646 28,777 114,392,366 7,076 13,514,839
NUMBER OF
TOTAL NET PAID CLAIMS REP0RTED
(11) (12)
ACC/YR DIR & ASSUMED
PRIOR 110,453 XXXX
1994 155,653,483 72,568
1995 125,086,829 55,028
1996 177,051,963 73,326
1997 125,467,943 48,390
1998 147,832,355 54,271
1999 158,908,736 50,775
2000 154,543,823 46,118
2001 143,952,228 40,908
2002 113,714,724 29,612
2003 78,384,106 24,088
TOTAL 1,380,706,643 XXXX
LOSSES UNPAID
CASE BASIS BULK + IBNR
(13) (14) (15) (16)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 412,374 23,196 -18,199 0
1994 132,500 0 -10,540 0
1995 139,226 0 -12,344 0
1996 245,456 7,098 -18,358 0
1997 88,889 0 461,040 1,634
1998 922,530 0 541,011 6,684
1999 837,582 0 740,700 22,727
2000 1,914,546 0 1,574,030 71,596
2001 3,126,021 0 2,822,199 143,192
2002 5,507,572 37,051 3,762,060 208,104
2003 16,074,036 0 17,338,035 1,031,460
TOTAL 29,400,732 67,345 27,179,634 1,485,398
DEFENSE AND COST CONTAINMENT UNPAID
CASE BASIS BULK + IBNR
(17) (18) (19) (20)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 41,098 1,074
1994 0 0 22,121 580
1995 0 0 40,338 1,057
1996 0 0 72,218 1,892
1997 0 0 98,037 2,097
1998 0 0 211,351 4,228
1999 0 0 358,389 8,080
2000 0 0 938,912 21,326
2001 0 0 1,566,556 35,151
2002 0 0 1,984,247 46,096
2003 0 0 2,090,947 48,891
TOTAL 0 0 7,424,212 170,472
SALVAGE & TOTAL NET NUMBER OF
SUBROGATION LOSSES & CLAIMS
ADJUSTING AND OTHER UNPAID ANTICIPATED EXPENSES UNPAID OUTSTANDING
(21) (22) (23) (24) (25)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED
PRIOR 62,774 0 18,199 473,778 16
1994 20,158 0 10,540 163,659 7
1995 21,054 0 12,344 187,217 9
1996 37,181 0 18,358 327,506 15
1997 15,453 0 18,698 659,689 18
1998 148,900 275 72,185 1,812,604 28
1999 155,687 568 144,164 2,060,982 55
2000 379,888 2,750 388,420 4,711,703 87
2001 652,714 9,137 602,701 7,980,010 133
2002 1,095,587 13,997 762,095 12,044,218 262
2003 3,721,519 66,632 1,129,296 38,077,553 2,123
TOTAL 6,310,915 93,360 3,177,000 68,498,918 2,753
TOTAL LOSSES & LOSS EXPENSES INCURRED
(26) (27) (28)
ACC/YR DIR & ASSUMED CEDED NET
PRIOR XXXX XXXX XXXX
1994 155,910,222 93,080 155,817,142
1995 125,275,103 1,057 125,274,046
1996 177,430,203 50,734 177,379,469
1997 126,150,494 22,863 126,127,631
1998 149,728,005 83,046 149,644,959
1999 161,001,864 32,146 160,969,718
2000 159,380,110 124,584 159,255,526
2001 152,119,718 187,480 151,932,238
2002 126,064,190 305,248 125,758,942
2003 117,608,643 1,146,984 116,461,659
TOTAL XXXX XXXX XXXX
LOSS AND LOSS EXPENSE PERCENTAGE NONTABULAR DISCOUNT
(29) (30) (31) (32) (33)
ACC/YR DIR & ASSUMED CEDED NET LOSS LOSS EXPENSE
PRIOR XXXX XXXX XXXX 0 0
1994 93.3 1.0 98.6 0 0
1995 73.9 0.0 77.8 0 0
1996 104.0 1.0 107.1 0 0
1997 73.0 0.4 75.7 0 0
1998 81.2 1.3 84.2 0 0
1999 85.4 0.5 88.7 0 0
2000 84.9 1.1 90.2 0 0
2001 84.0 2.0 88.4 0 0
2002 76.6 3.9 80.3 0 0
2003 74.0 16.1 76.7 0 0
TOTAL XXXX XXXX XXXX 0 0
INTER-COMPANY
POOLING NET BALANCE SHEET RESERVES
PARTICIPATION % AFTER DISCOUNT
(34) (35) (36)
LOSS EXPENSES
ACC/YR LOSSES UNPAID UNPAID
PRIOR XXXX 370,979 102,799
1994 0.0 121,960 41,699
1995 0.0 126,882 60,335
1996 0.0 220,000 107,506
1997 0.0 548,295 111,393
1998 0.0 1,456,856 355,748
1999 0.0 1,555,556 505,427
2000 0.0 3,416,979 1,294,724
2001 0.0 5,805,028 2,174,982
2002 0.0 9,024,477 3,019,741
2003 0.0 32,380,611 5,696,942
TOTAL XXXX 55,027,623 13,471,295
OHIO CASUALTY GROUP
SCHEDULE P-PART 1B - PRIVATE PASSENGER AUTO
as of December 31, 2003
PREMIUMS EARNED LOSS PAYMENTS
(1) (2) (3) (4) (5)
ACC/YR DIR & ASSUMED CEDED NET DIR & ASSUMED CEDED
PRIOR XXXX XXXX XXXX 3,381,288 2,318,171
1993 320,149,419 12,617,186 307,532,233 243,672,141 4,790,557
1995 305,098,094 7,698,429 297,399,665 232,766,375 2,760,320
1996 290,090,509 7,674,484 282,416,025 224,806,280 1,559,523
1997 286,421,257 9,267,645 277,153,612 215,890,142 1,413,834
1998 312,015,418 19,374,078 292,641,340 227,284,359 8,964,488
1999 331,778,954 31,610,874 300,168,080 266,640,458 26,030,037
2000 281,025,570 21,221,126 259,804,444 220,040,896 8,705,285
2001 264,819,553 8,876,054 255,943,499 177,965,016 7,300,208
2002 209,472,674 6,700,147 202,772,528 115,245,207 5,763,120
2003 162,599,034 962,867 161,636,167 43,461,581 162,595
TOTAL XXXX XXXX XXXX 1,971,153,743 69,768,138
SALVAGE &
DEFENSE AND COST CONTAINMENT SUBROGATION
PAYMENTS ADJUSTING AND OTHER PAYMENTS RECEIVED
(6) (7) (8) (9) (10)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 513,220 247,092 266,101 0 -104,946
1993 15,471,324 -237,349 22,911,413 -326,974 4,790,069
1995 14,726,561 -423,955 22,784,877 -700,728 4,988,142
1996 13,017,897 -603,221 25,537,482 -1,610,736 4,500,820
1997 11,196,266 -566,576 23,481,486 -2,883,083 5,106,354
1998 12,113,384 965,286 27,674,151 -3,095,110 5,988,232
1999 15,057,090 1,753,515 31,849,417 217,802 5,920,843
2000 10,296,259 246,209 25,555,433 15,106 6,208,986
2001 6,235,436 168,185 23,588,752 38,119 4,583,338
2002 2,445,467 93,064 17,388,461 53,520 2,354,782
2003 253,410 2,368 7,636,140 1,825 473,687
TOTAL 101,326,314 1,644,619 228,673,713 -8,290,260 44,810,307
NUMBER OF
TOTAL NET PAID CLAIMS REP0RTED
(11) (12)
ACC/YR DIR & ASSUMED
PRIOR 1,595,346 XXXX
1993 277,828,643 53,285
1995 268,642,176 49,244
1996 264,016,094 48,085
1997 252,603,720 47,039
1998 260,237,230 50,462
1999 285,545,611 54,386
2000 246,925,988 50,219
2001 200,282,691 43,854
2002 129,169,431 34,695
2003 51,184,343 23,679
TOTAL 2,238,031,273 XXXX
LOSSES UNPAID
CASE BASIS BULK + IBNR
(13) (14) (15) (16)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 32,614,214 28,478,154 1,199,237 284,752
1993 1,591,047 398,517 326,717 162,388
1995 609,242 135,303 554,215 262,262
1996 1,890,546 438,460 796,943 382,699
1997 3,635,472 1,377,156 1,154,321 509,853
1998 5,888,386 1,636,526 1,965,632 963,839
1999 12,053,768 1,878,329 4,096,326 1,924,279
2000 22,505,273 1,339,043 5,102,741 1,067,542
2001 36,058,504 1,320,536 17,108,781 3,367,263
2002 53,258,577 4,886,923 28,833,417 5,631,215
2003 43,147,453 498,913 43,011,847 8,201,394
TOTAL 213,252,482 42,387,860 104,150,176 22,757,487
DEFENSE AND COST CONTAINMENT UNPAID
CASE BASIS BULK + IBNR
(17) (18) (19) (20)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 1,145,122 151,917
1993 0 0 357,502 55,778
1995 0 0 277,714 41,335
1996 0 0 432,236 62,794
1997 0 0 802,272 131,763
1998 0 0 1,222,104 186,197
1999 0 0 2,747,026 419,625
2000 0 0 5,261,566 802,259
2001 0 0 9,907,418 1,548,808
2002 0 0 11,573,666 1,755,392
2003 0 0 7,202,759 579,229
TOTAL 0 0 40,929,386 5,735,098
SALVAGE & TOTAL NET NUMBER OF
SUBROGATION LOSSES & CLAIMS
ADJUSTING AND OTHER UNPAID ANTICIPATED EXPENSES UNPAID OUTSTANDING
(21) (22) (23) (24) (25)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED
PRIOR 2,018,697 78,467 68,432 7,983,979 155
1993 163,907 39,735 51,187 1,782,755 23
1995 157,136 59,442 41,148 1,099,964 36
1996 307,225 104,954 74,711 2,438,044 44
1997 573,857 200,539 122,170 3,946,611 86
1998 926,547 333,081 223,258 6,883,026 154
1999 2,103,614 818,545 353,989 15,959,957 421
2000 1,534,691 158,031 785,685 31,037,396 873
2001 2,996,847 69,378 1,491,309 59,765,565 1,608
2002 5,164,587 112,038 2,352,175 86,444,678 2,509
2003 7,000,807 257,208 2,966,934 90,826,121 6,465
TOTAL 22,947,915 2,231,418 8,531,000 308,168,096 12,374
TOTAL LOSSES & LOSS EXPENSES INCURRED
(26) (27) (28)
ACC/YR DIR & ASSUMED CEDED NET
PRIOR XXXX XXXX XXXX
1993 284,494,052 4,882,653 279,611,398
1995 271,876,119 2,133,979 269,742,139
1996 266,788,610 334,473 266,454,138
1997 256,733,816 183,486 256,550,331
1998 277,074,563 9,954,307 267,120,256
1999 334,547,700 33,042,132 301,505,568
2000 290,296,858 12,333,474 277,963,383
2001 273,860,754 13,812,498 260,048,256
2002 233,909,381 18,295,272 215,614,109
2003 151,713,997 9,703,532 142,010,465
TOTAL XXXX XXXX XXXX
LOSS AND LOSS EXPENSE PERCENTAGE NONTABULAR DISCOUNT
(29) (30) (31) (32) (33)
ACC/YR DIR & ASSUMED CEDED NET LOSS LOSS EXPENSE
PRIOR XXXX XXXX XXXX 0 0
1993 88.9 38.7 90.9 0 0
1995 89.1 27.7 90.7 0 0
1996 92.0 4.4 94.3 0 0
1997 89.6 2.0 92.6 0 0
1998 88.8 51.4 91.3 0 0
1999 100.8 104.5 100.4 0 0
2000 103.3 58.1 107.0 0 0
2001 103.4 155.6 101.6 0 0
2002 111.7 273.1 106.3 0 0
2003 93.3 1,007.8 87.9 0 0
TOTAL XXXX XXXX XXXX 0 0
INTER-COMPANY
POOLING NET BALANCE SHEET RESERVES
PARTICIPATION % AFTER DISCOUNT
(34) (35) (36)
LOSS EXPENSES
ACC/YR LOSSES UNPAID UNPAID
PRIOR XXXX 5,050,544 2,933,435
1993 0.0 1,356,859 425,896
1995 0.0 765,891 334,073
1996 0.0 1,866,330 571,714
1997 0.0 2,902,784 1,043,827
1998 0.0 5,253,654 1,629,372
1999 0.0 12,347,486 3,612,471
2000 0.0 25,201,429 5,835,967
2001 0.0 48,479,485 11,286,079
2002 0.0 71,573,856 14,870,822
2003 0.0 77,458,993 13,367,129
TOTAL XXXX 252,257,311 55,910,785
OHIO CASUALTY GROUP
SCHEDULE P-PART 1C - COMMERCIAL AUTO
as of December 31, 2003
PREMIUMS EARNED LOSS PAYMENTS
(1) (2) (3) (4) (5)
ACC/YR DIR & ASSUMED CEDED NET DIR & ASSUMED CEDED
PRIOR XXXX XXXX XXXX 109,659 -5,129
1994 124,061,161 4,326,619 119,734,542 91,497,936 1,598,211
1995 118,167,750 3,897,033 114,270,717 73,823,622 1,966,935
1996 111,494,112 3,041,823 108,452,289 70,573,590 2,586,897
1997 108,150,971 2,584,990 105,565,981 74,822,125 1,362,388
1998 107,482,733 2,436,283 105,046,450 69,243,659 1,519,721
1999 133,335,676 5,439,317 127,896,359 90,112,450 1,847,496
2000 139,893,925 9,877,323 130,016,602 82,023,161 2,404,196
2001 142,263,089 7,409,341 134,853,748 53,490,597 889,594
2002 157,172,461 7,763,894 149,408,568 34,212,760 914,026
2003 170,072,242 4,848,705 165,223,537 20,405,821 363,544
TOTAL XXXX XXXX XXXX 660,315,381 15,447,880
SALVAGE &
DEFENSE AND COST CONTAINMENT SUBROGATION
PAYMENTS ADJUSTING AND OTHER PAYMENTS RECEIVED
(6) (7) (8) (9) (10)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 139,165 660 13,677 0 -2,468
1994 7,795,378 131,374 6,886,494 0 712,298
1995 6,030,618 25,861 6,551,033 0 740,190
1996 5,880,507 148,424 6,967,590 0 551,538
1997 4,644,466 10,968 7,330,723 0 709,773
1998 4,098,670 138,786 8,453,309 0 523,533
1999 5,575,985 147,271 10,305,919 17,033 799,448
2000 4,555,130 86,154 9,052,621 11,593 682,244
2001 2,385,047 143,639 7,602,693 69,888 628,312
2002 778,981 31,699 6,103,359 0 485,458
2003 91,422 0 5,002,875 0 149,909
TOTAL 41,975,368 864,836 74,270,292 98,513 5,980,233
NUMBER OF
TOTAL NET PAID CLAIMS REP0RTED
(11) (12)
ACC/YR DIR & ASSUMED
PRIOR 266,971 XXXX
1994 104,450,222 13,937
1995 84,412,477 12,360
1996 80,686,365 12,471
1997 85,423,957 11,740
1998 80,137,131 11,200
1999 103,982,554 13,335
2000 93,128,969 13,524
2001 62,375,216 11,687
2002 40,149,375 10,417
2003 25,136,573 9,344
TOTAL 760,149,810 XXXX
LOSSES UNPAID
CASE BASIS BULK + IBNR
(13) (14) (15) (16)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 1,662,857 222,177 2,161,040 9,556
1994 83,670 0 531,330 35,834
1995 1,757,118 0 244,216 18,315
1996 1,209,548 0 373,705 26,279
1997 726,779 0 935,020 66,891
1998 992,712 27,000 2,209,671 154,486
1999 5,946,415 118,061 3,174,592 207,043
2000 12,608,872 89,807 6,410,325 416,476
2001 17,112,231 308,000 12,085,269 801,099
2002 24,322,027 2,089,780 31,924,517 2,185,902
2003 31,716,093 809,723 60,953,342 4,041,330
TOTAL 98,138,322 3,664,548 121,003,027 7,963,211
DEFENSE AND COST CONTAINMENT UNPAID
CASE BASIS BULK + IBNR
(17) (18) (19) (20)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 2,064,541 1,511
1994 0 0 38,627 918
1995 0 0 81,797 1,943
1996 0 0 104,519 2,483
1997 0 0 284,018 6,747
1998 0 0 541,581 12,738
1999 0 0 1,314,114 28,607
2000 0 0 2,524,700 52,625
2001 0 0 3,976,693 92,675
2002 0 0 6,018,920 142,979
2003 0 0 8,272,890 196,522
TOTAL 0 0 25,222,399 539,748
SALVAGE & TOTAL NET NUMBER OF
SUBROGATION LOSSES & CLAIMS
ADJUSTING AND OTHER UNPAID ANTICIPATED EXPENSES UNPAID OUTSTANDING
(21) (22) (23) (24) (25)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED
PRIOR 118,741 0 2,108 5,773,935 32
1994 -9,211 0 4,283 607,664 3
1995 136,403 0 7,441 2,199,276 12
1996 87,302 0 3,382 1,746,312 15
1997 27,105 0 5,457 1,899,285 21
1998 14,920 1,734 8,885 3,562,925 36
1999 443,039 6,469 31,858 10,517,980 103
2000 964,493 10,987 87,188 21,938,494 219
2001 1,164,249 38,442 137,352 33,098,227 420
2002 4,195,037 77,808 303,626 61,964,032 679
2003 9,288,136 185,616 610,420 104,997,271 2,288
TOTAL 16,430,214 321,056 1,202,000 248,305,399 3,828
TOTAL LOSSES & LOSS EXPENSES INCURRED
(26) (27) (28)
ACC/YR DIR & ASSUMED CEDED NET
PRIOR XXXX XXXX XXXX
1994 106,824,224 1,766,337 105,057,886
1995 88,624,807 2,013,055 86,611,752
1996 85,196,760 2,764,082 82,432,677
1997 88,770,236 1,446,994 87,323,242
1998 85,554,521 1,854,466 83,700,056
1999 116,872,514 2,371,980 114,500,534
2000 118,139,301 3,071,838 115,067,463
2001 97,816,779 2,343,336 95,473,443
2002 107,555,601 5,442,195 102,113,407
2003 135,730,580 5,596,735 130,133,845
TOTAL XXXX XXXX XXXX
LOSS AND LOSS EXPENSE PERCENTAGE NONTABULAR DISCOUNT
(29) (30) (31) (32) (33)
ACC/YR DIR & ASSUMED CEDED NET LOSS LOSS EXPENSE
PRIOR XXXX XXXX XXXX 0 0
1994 86.1 40.8 87.7 0 0
1995 75.0 51.7 75.8 0 0
1996 76.4 90.9 76.0 0 0
1997 82.1 56.0 82.7 0 0
1998 79.6 76.1 79.7 0 0
1999 87.7 43.6 89.5 0 0
2000 84.4 31.1 88.5 0 0
2001 68.8 31.6 70.8 0 0
2002 68.4 70.1 68.3 0 0
2003 79.8 115.4 78.8 0 0
TOTAL XXXX XXXX XXXX 0 0
INTER-COMPANY
POOLING NET BALANCE SHEET RESERVES
PARTICIPATION % AFTER DISCOUNT
(34) (35) (36)
LOSS EXPENSES
ACC/YR LOSSES UNPAID UNPAID
PRIOR XXXX 3,592,164 2,181,770
1994 0.0 579,166 28,498
1995 0.0 1,983,019 216,257
1996 0.0 1,556,974 189,338
1997 0.0 1,594,908 304,377
1998 0.0 3,020,896 542,028
1999 0.0 8,795,903 1,722,077
2000 0.0 18,512,914 3,425,580
2001 0.0 28,088,401 5,009,826
2002 0.0 51,970,863 9,993,169
2003 0.0 87,818,382 17,178,889
TOTAL XXXX 207,513,590 40,791,809
OHIO CASUALTY GROUP
SCHEDULE P-PART 1D - WORKERS COMPENSATION
as of December 31, 2003
PREMIUMS EARNED LOSS PAYMENTS
(1) (2) (3) (4) (5)
ACC/YR DIR & ASSUMED CEDED NET DIR & ASSUMED CEDED
PRIOR XXXX 0 0 13,960,608 3,545,270
1994 153,211,860 1,955,046 151,256,814 72,318,975 1,500
1995 143,658,352 1,654,337 142,004,015 65,344,040 10,583
1996 124,749,682 592,288 124,157,394 54,393,919 235,198
1997 103,906,558 422,962 103,483,596 51,651,208 0
1998 101,505,174 1,169,564 100,335,609 47,170,816 2,026,520
1999 208,122,405 12,349,044 195,773,361 113,451,259 6,646,806
2000 217,714,121 19,899,843 197,814,278 137,457,485 7,428,744
2001 174,597,348 8,259,108 166,338,240 74,286,228 462,326
2002 149,976,204 6,507,511 143,468,693 44,312,398 0
2003 141,008,456 6,278,263 134,730,193 15,866,015 0
TOTAL XXXX XXXX XXXX 690,212,951 20,356,947
SALVAGE &
DEFENSE AND COST CONTAINMENT SUBROGATION
PAYMENTS ADJUSTING AND OTHER PAYMENTS RECEIVED
(6) (7) (8) (9) (10)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 679,745 254,680 766,220 0 826,665
1994 4,914,709 1,696 4,725,723 0 2,027,953
1995 4,374,709 1,389 5,341,017 0 1,491,392
1996 4,257,604 1,650 4,819,784 0 1,637,992
1997 4,198,342 71,960 5,372,331 0 1,821,975
1998 3,585,307 186,697 6,405,400 0 1,101,225
1999 9,433,351 524,178 11,219,573 7,686 2,810,332
2000 8,871,484 541,467 13,567,667 19,879 3,109,560
2001 4,238,223 36,989 9,644,713 1,663 1,119,828
2002 2,577,943 0 6,183,060 0 478,993
2003 790,127 0 3,198,278 0 150,517
TOTAL 47,921,545 1,620,707 71,243,767 29,228 16,576,432
NUMBER OF
TOTAL NET PAID CLAIMS REP0RTED
(11) (12)
ACC/YR DIR & ASSUMED
PRIOR 11,606,623 XXXX
1994 81,956,211 13,964
1995 75,047,795 11,825
1996 63,234,459 10,856
1997 61,149,922 10,058
1998 54,948,306 9,614
1999 126,925,514 26,536
2000 151,906,547 23,267
2001 87,668,185 13,597
2002 53,073,401 9,331
2003 19,854,420 6,298
TOTAL 787,371,383 XXXX
LOSSES UNPAID
CASE BASIS BULK + IBNR
(13) (14) (15) (16)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 114,445,454 25,138,979 73,652,345 24,767,669
1994 7,413,245 0 6,910,867 1,815,800
1995 10,155,331 2,616,112 5,931,071 1,509,878
1996 5,299,056 0 6,421,175 2,037,841
1997 4,906,730 8,988 7,064,335 2,679,293
1998 5,651,645 713,831 7,824,463 1,692,444
1999 22,485,970 723,850 22,636,349 1,879,946
2000 24,992,770 2,694,131 34,641,481 4,534,567
2001 20,857,167 158,816 32,003,732 4,682,594
2002 24,106,691 0 39,690,043 4,036,209
2003 26,381,994 175,744 54,737,226 3,804,299
TOTAL 266,696,052 32,230,451 291,513,087 53,440,540
DEFENSE AND COST CONTAINMENT UNPAID
CASE BASIS BULK + IBNR
(17) (18) (19) (20)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 7,388,103 588,149
1994 0 0 733,437 31,182
1995 0 0 694,520 29,527
1996 0 0 769,361 32,709
1997 0 0 844,201 35,891
1998 0 0 948,708 35,000
1999 0 0 3,993,794 57,782
2000 0 0 5,333,960 97,364
2001 0 0 4,784,084 178,054
2002 0 0 5,696,861 242,200
2003 0 0 6,642,845 282,418
TOTAL 0 0 37,829,874 1,610,275
SALVAGE & TOTAL NET NUMBER OF
SUBROGATION LOSSES & CLAIMS
ADJUSTING AND OTHER UNPAID ANTICIPATED EXPENSES UNPAID OUTSTANDING
(21) (22) (23) (24) (25)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED
PRIOR 6,372,637 202,267 833,719 151,161,475 889
1994 287,990 0 121,986 13,498,557 44
1995 497,387 0 158,529 13,122,792 42
1996 345,384 0 186,915 10,764,426 52
1997 388,264 0 327,862 10,479,359 64
1998 586,694 31,578 418,156 12,538,656 93
1999 3,306,266 32,219 1,837,825 49,728,583 462
2000 4,076,947 46,423 2,568,752 61,672,674 667
2001 2,827,447 54,250 2,635,464 55,398,716 592
2002 2,963,235 51,592 2,719,652 68,126,830 772
2003 5,777,874 47,624 2,698,139 89,229,854 2,090
TOTAL 27,430,127 465,953 14,507,000 535,721,921 5,767
TOTAL LOSSES & LOSS EXPENSES INCURRED
(26) (27) (28)
ACC/YR DIR & ASSUMED CEDED NET
PRIOR XXXX XXXX XXXX
1994 97,304,946 1,850,178 95,454,768
1995 92,338,076 4,167,489 88,170,587
1996 76,306,283 2,307,398 73,998,885
1997 74,425,412 2,796,131 71,629,281
1998 72,173,034 4,686,072 67,486,962
1999 186,526,563 9,872,466 176,654,097
2000 228,941,794 15,362,574 213,579,220
2001 148,641,594 5,574,693 143,066,901
2002 125,530,231 4,330,000 121,200,231
2003 113,394,359 4,310,085 109,084,274
TOTAL XXXX XXXX XXXX
LOSS AND LOSS EXPENSE PERCENTAGE NONTABULAR DISCOUNT
(29) (30) (31) (32) (33)
ACC/YR DIR & ASSUMED CEDED NET LOSS LOSS EXPENSE
PRIOR XXXX XXXX XXXX 0 0
1994 63.5 94.6 63.1 0 0
1995 64.3 251.9 62.1 0 0
1996 61.2 389.6 59.6 0 0
1997 71.6 661.1 69.2 0 0
1998 71.1 400.7 67.3 0 0
1999 89.6 79.9 90.2 0 0
2000 105.2 77.2 108.0 0 0
2001 85.1 67.5 86.0 0 0
2002 83.7 66.5 84.5 0 0
2003 80.4 68.7 81.0 0 0
TOTAL XXXX XXXX XXXX 0 0
INTER-COMPANY
POOLING NET BALANCE SHEET RESERVES
PARTICIPATION % AFTER DISCOUNT
(34) (35) (36)
LOSS EXPENSES
ACC/YR LOSSES UNPAID UNPAID
PRIOR XXXX 138,191,150 12,970,324
1994 0.0 12,508,311 990,246
1995 0.0 11,960,412 1,162,380
1996 0.0 9,682,390 1,082,036
1997 0.0 9,282,784 1,196,575
1998 0.0 11,069,833 1,468,824
1999 0.0 42,518,523 7,210,059
2000 0.0 52,405,553 9,267,121
2001 0.0 48,019,490 7,379,227
2002 0.0 59,760,526 8,366,304
2003 0.0 77,139,176 12,090,678
TOTAL XXXX 472,538,148 63,183,773
OHIO CASUALTY GROUP
SCHEDULE P-PART 1E - COMMERCIAL MULTI-PERIL
as of December 31, 2003
PREMIUMS EARNED LOSS PAYMENTS
(1) (2) (3) (4) (5)
ACC/YR DIR & ASSUMED CEDED NET DIR & ASSUMED CEDED
PRIOR XXXX XXXX XXXX 1,399,570 125,000
1994 143,239,939 6,537,857 136,702,082 84,594,785 790,434
1995 139,601,917 6,742,565 132,859,352 73,241,112 189,151
1996 136,835,193 4,550,420 132,284,773 87,862,000 667,493
1997 142,019,235 4,984,286 137,034,949 84,822,972 3,997,397
1998 156,599,795 5,866,941 150,732,854 103,250,986 2,216,546
1999 237,845,104 13,316,781 224,528,323 155,145,629 10,757,969
2000 259,090,152 21,870,690 237,219,462 152,375,109 12,157,625
2001 253,036,565 14,407,043 238,629,521 105,779,832 4,366,917
2002 279,535,508 14,319,185 265,216,323 75,467,256 2,222,984
2003 325,685,282 18,448,680 307,236,602 69,726,497 4,566,355
TOTAL XXXX XXXX XXXX 993,665,748 42,057,872
SALVAGE &
DEFENSE AND COST CONTAINMENT SUBROGATION
PAYMENTS ADJUSTING AND OTHER PAYMENTS RECEIVED
(6) (7) (8) (9) (10)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 2,372,699 27,008 71,109 0 15,545
1994 10,689,777 226,653 5,676,540 0 3,788,210
1995 8,940,907 0 5,518,092 0 1,739,690
1996 9,964,125 0 6,003,675 0 1,925,407
1997 9,661,459 648,437 5,806,453 0 1,615,058
1998 8,955,068 395,235 9,585,339 28,047 2,257,130
1999 15,362,111 170,482 12,693,762 133,160 2,602,782
2000 15,556,152 2,293,788 12,061,777 118,618 4,045,422
2001 6,047,341 104,765 10,754,178 87,325 1,971,971
2002 2,592,829 141,150 9,115,208 25,756 2,003,725
2003 174,588 25,536 10,215,552 5,905 743,563
TOTAL 90,317,056 4,033,055 87,501,685 398,811 22,708,503
NUMBER OF
TOTAL NET PAID CLAIMS REP0RTED
(11) (12)
ACC/YR DIR & ASSUMED
PRIOR 3,691,371 XXXX
1994 99,944,015 19,690
1995 87,510,959 17,170
1996 103,162,307 18,141
1997 95,645,049 15,703
1998 119,151,566 17,519
1999 172,139,890 23,615
2000 165,423,007 21,788
2001 118,022,344 17,473
2002 84,785,403 14,349
2003 75,518,841 12,918
TOTAL 1,124,994,752 XXXX
LOSSES UNPAID
CASE BASIS BULK + IBNR
(13) (14) (15) (16)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 3,997,366 884,838 12,012,479 2,748,608
1994 245,010 0 445,728 18,519
1995 230,593 0 480,223 20,062
1996 791,036 0 665,556 28,293
1997 1,476,004 34,500 1,077,000 45,268
1998 2,588,508 0 1,609,189 65,845
1999 10,489,638 10,642 2,469,933 590,022
2000 28,858,250 5,218,860 6,693,198 222,226
2001 23,787,969 1,171,201 15,592,302 654,333
2002 22,566,218 826,177 28,648,203 1,232,533
2003 41,957,242 3,023,857 65,000,397 2,719,186
TOTAL 136,987,834 11,170,075 134,694,209 8,344,896
DEFENSE AND COST CONTAINMENT UNPAID
CASE BASIS BULK + IBNR
(17) (18) (19) (20)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 14,757,788 451,441
1994 0 0 352,676 9,668
1995 0 0 316,192 8,668
1996 0 0 614,143 16,835
1997 0 0 924,254 25,336
1998 0 0 1,504,668 36,337
1999 0 0 5,182,076 71,840
2000 0 0 9,997,179 158,182
2001 0 0 12,632,088 296,029
2002 0 0 16,450,206 423,874
2003 0 0 24,742,465 598,891
TOTAL 0 0 87,473,735 2,097,100
SALVAGE & TOTAL NET NUMBER OF
SUBROGATION LOSSES & CLAIMS
ADJUSTING AND OTHER UNPAID ANTICIPATED EXPENSES UNPAID OUTSTANDING
(21) (22) (23) (24) (25)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED
PRIOR 740,407 343,501 7,303 27,079,653 64
1994 50,251 0 6,273 1,065,478 6
1995 52,363 0 9,445 1,050,642 19
1996 102,087 0 25,003 2,127,694 23
1997 176,785 0 27,894 3,548,939 43
1998 299,344 36,477 66,457 5,863,051 68
1999 1,033,202 43,997 490,978 18,458,347 246
2000 2,552,707 45,933 1,075,204 42,456,133 486
2001 2,862,176 53,299 1,201,848 52,699,672 708
2002 3,732,897 51,103 1,435,038 68,863,837 889
2003 7,757,754 66,774 2,368,557 133,049,149 3,319
TOTAL 19,359,973 641,084 6,714,000 356,262,596 5,871
TOTAL LOSSES & LOSS EXPENSES INCURRED
(26) (27) (28)
ACC/YR DIR & ASSUMED CEDED NET
PRIOR XXXX XXXX XXXX
1994 102,054,767 1,045,273 101,009,494
1995 88,779,482 217,881 88,561,601
1996 106,002,621 712,620 105,290,001
1997 103,944,928 4,750,939 99,193,989
1998 127,793,102 2,778,486 125,014,617
1999 202,376,350 11,778,112 190,598,238
2000 228,094,372 20,215,232 207,879,140
2001 177,455,886 6,733,870 170,722,016
2002 158,572,817 4,923,578 153,649,239
2003 219,574,495 11,006,505 208,567,990
TOTAL XXXX XXXX XXXX
LOSS AND LOSS EXPENSE PERCENTAGE NONTABULAR DISCOUNT
(29) (30) (31) (32) (33)
ACC/YR DIR & ASSUMED CEDED NET LOSS LOSS EXPENSE
PRIOR XXXX XXXX XXXX 0 0
1994 71.2 16.0 73.9 0 0
1995 63.6 3.2 66.7 0 0
1996 77.5 15.7 79.6 0 0
1997 73.2 95.3 72.4 0 0
1998 81.6 47.4 82.9 0 0
1999 85.1 88.4 84.9 0 0
2000 88.0 92.4 87.6 0 0
2001 70.1 46.7 71.5 0 0
2002 56.7 34.4 57.9 0 0
2003 67.4 59.7 67.9 0 0
TOTAL XXXX XXXX XXXX 0 0
INTER-COMPANY
POOLING NET BALANCE SHEET RESERVES
PARTICIPATION % AFTER DISCOUNT
(34) (35) (36)
LOSS EXPENSES
ACC/YR LOSSES UNPAID UNPAID
PRIOR XXXX 12,376,399 14,703,254
1994 0.0 672,220 393,259
1995 0.0 690,754 359,888
1996 0.0 1,428,299 699,395
1997 0.0 2,473,236 1,075,704
1998 0.0 4,131,852 1,731,198
1999 0.0 12,358,907 6,099,441
2000 0.0 30,110,362 12,345,771
2001 0.0 37,554,737 15,144,936
2002 0.0 49,155,711 19,708,125
2003 0.0 101,214,596 31,834,554
TOTAL XXXX 252,167,072 104,095,524
OHIO CASUALTY GROUP
SCHEDULE P-PART 1G - BOILER & MACHINERY
as of December 31, 2003
PREMIUMS EARNED LOSS PAYMENTS
(1) (2) (3) (4) (5)
ACC/YR DIR & ASSUMED CEDED NET DIR & ASSUMED CEDED
PRIOR XXXX XXXX XXXX 0 0
1994 18,241 16,879 1,362 9,366 2,238
1995 32,924 30,389 2,535 0 0
1996 49,025 48,882 143 5,068 5,068
1997 59,177 59,177 0 0 0
1998 158,676 100,924 57,752 41,020 125,194
1999 1,299,794 572,638 727,156 534,832 85,946
2000 1,852,936 1,081,954 770,981 388,805 209,598
2001 948,531 473,715 474,815 90,213 9,458
2002 478,298 390,413 87,885 45,646 29,577
2003 432,685 434,907 -2,222 14,694 14,694
TOTAL XXXX XXXX XXXX 1,129,643 481,772
SALVAGE &
DEFENSE AND COST CONTAINMENT SUBROGATION
PAYMENTS ADJUSTING AND OTHER PAYMENTS RECEIVED
(6) (7) (8) (9) (10)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 0 0 0
1994 209 0 0 0 0
1995 0 0 0 0 0
1996 0 0 0 0 0
1997 0 0 0 0 0
1998 0 265 73 0 0
1999 20,771 4,208 495 0 0
2000 17,643 7,403 1,922 0 1,000
2001 12,441 9,811 4,400 2,643 -531
2002 0 0 -456 0 0
2003 0 0 2,866 0 0
TOTAL 51,064 21,687 9,301 2,643 469
NUMBER OF
TOTAL NET PAID CLAIMS REP0RTED
(11) (12)
ACC/YR DIR & ASSUMED
PRIOR 0 XXXX
1994 7,338 XXXX
1995 0 XXXX
1996 0 XXXX
1997 0 XXXX
1998 -84,366 XXXX
1999 465,944 XXXX
2000 191,369 XXXX
2001 85,142 XXXX
2002 15,614 XXXX
2003 2,866 XXXX
TOTAL 683,907 XXXX
LOSSES UNPAID
CASE BASIS BULK + IBNR
(13) (14) (15) (16)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 0 0
1994 0 0 0 0
1995 0 0 0 0
1996 0 0 0 0
1997 0 0 0 0
1998 0 0 0 0
1999 0 0 0 0
2000 0 0 0 0
2001 25,000 0 0 0
2002 0 0 0 0
2003 2,500 2,500 9 0
TOTAL 27,500 2,500 9 0
DEFENSE AND COST CONTAINMENT UNPAID
CASE BASIS BULK + IBNR
(17) (18) (19) (20)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 0 0
1994 0 0 0 0
1995 0 0 0 0
1996 0 0 0 0
1997 0 0 0 0
1998 0 0 0 0
1999 0 0 0 0
2000 0 0 0 0
2001 0 0 0 0
2002 0 0 0 0
2003 0 0 1,315 0
TOTAL 0 0 1,315 0
SALVAGE & TOTAL NET NUMBER OF
SUBROGATION LOSSES & CLAIMS
ADJUSTING AND OTHER UNPAID ANTICIPATED EXPENSES UNPAID OUTSTANDING
(21) (22) (23) (24) (25)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED
PRIOR 0 0 0 0 0
1994 0 0 0 0 0
1995 0 0 0 0 0
1996 0 0 0 0 0
1997 0 0 0 0 0
1998 0 0 0 0 0
1999 0 0 0 0 0
2000 0 0 0 0 0
2001 3,177 0 0 28,177 1
2002 0 0 0 0 0
2003 466 0 0 1,790 1
TOTAL 3,643 0 0 29,967 2
TOTAL LOSSES & LOSS EXPENSES INCURRED
(26) (27) (28)
ACC/YR DIR & ASSUMED CEDED NET
PRIOR XXXX XXXX XXXX
1994 9,576 2,238 7,338
1995 0 0 0
1996 5,068 5,068 0
1997 0 0 0
1998 41,093 125,459 -84,366
1999 556,098 90,154 465,944
2000 408,370 217,001 191,369
2001 135,231 21,912 113,319
2002 45,191 29,577 15,614
2003 21,850 17,194 4,656
TOTAL XXXX XXXX XXXX
LOSS AND LOSS EXPENSE PERCENTAGE NONTABULAR DISCOUNT
(29) (30) (31) (32) (33)
ACC/YR DIR & ASSUMED CEDED NET LOSS LOSS EXPENSE
PRIOR XXXX XXXX XXXX 0 0
1994 52.5 13.3 538.7 0 0
1995 0.0 0.0 0.0 0 0
1996 10.3 10.4 0.0 0 0
1997 0.0 0.0 0.0 0 0
1998 25.9 124.3 -146.1 0 0
1999 42.8 15.7 64.1 0 0
2000 22.0 20.1 24.8 0 0
2001 14.3 4.6 23.9 0 0
2002 9.4 7.6 17.8 0 0
2003 5.0 4.0 -209.5 0 0
TOTAL XXXX XXXX XXXX 0 0
INTER-COMPANY
POOLING NET BALANCE SHEET RESERVES
PARTICIPATION % AFTER DISCOUNT
(34) (35) (36)
LOSS EXPENSES
ACC/YR LOSSES UNPAID UNPAID
PRIOR XXXX 0 0
1994 0.0 0 0
1995 0.0 0 0
1996 0.0 0 0
1997 0.0 0 0
1998 0.0 0 0
1999 0.0 0 0
2000 0.0 0 0
2001 0.0 25,000 3,177
2002 0.0 0 0
2003 0.0 9 1,781
TOTAL XXXX 25,009 4,958
OHIO CASUALTY GROUP
SCHEDULE P-PART 1H(1) - GENERAL LIABILITY (OCCURENCE)
as of December 31, 2003
PREMIUMS EARNED LOSS PAYMENTS
(1) (2) (3) (4) (5)
ACC/YR DIR & ASSUMED CEDED NET DIR & ASSUMED CEDED
PRIOR XXXX XXXX XXXX 5,171,952 -100,597
1994 112,505,526 1,992,713 110,512,813 38,727,558 1,781,399
1995 111,545,266 1,892,511 109,652,755 31,919,592 5,812
1996 104,751,105 1,051,089 103,700,016 31,447,569 664,133
1997 98,938,574 726,289 98,212,286 33,188,535 182,248
1998 97,295,206 2,244,509 95,050,697 34,085,445 3,407,028
1999 143,447,468 9,199,234 134,248,234 81,669,754 35,839,848
2000 169,975,709 28,640,701 141,335,008 52,850,684 19,261,661
2001 200,436,316 35,978,500 164,457,816 49,096,668 23,049,191
2002 242,084,348 55,331,777 186,752,572 13,191,817 1,811,799
2003 292,247,007 89,224,519 203,022,489 4,107,124 0
TOTAL XXXX XXXX XXXX 375,456,699 85,902,522
SALVAGE &
DEFENSE AND COST CONTAINMENT SUBROGATION
PAYMENTS ADJUSTING AND OTHER PAYMENTS RECEIVED
(6) (7) (8) (9) (10)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 2,461,557 101,964 151,292 0 132,332
1994 10,071,333 61,927 6,319,921 0 580,168
1995 8,659,690 428,258 4,634,566 0 629,916
1996 8,977,055 0 6,245,311 0 517,087
1997 9,144,515 228,880 5,002,418 0 946,722
1998 7,141,491 9,070 5,821,615 0 1,284,386
1999 8,534,749 948,704 8,822,000 12,172 1,333,740
2000 7,913,745 1,876,038 6,684,843 10,898 519,624
2001 4,472,827 659,334 5,780,363 55,898 1,232,837
2002 822,927 1,343 3,631,503 0 182,682
2003 92,762 0 1,814,811 0 82,878
TOTAL 68,292,651 4,315,518 54,908,643 78,968 7,442,372
NUMBER OF
TOTAL NET PAID CLAIMS REP0RTED
(11) (12)
ACC/YR DIR & ASSUMED
PRIOR 7,783,434 XXXX
1994 53,275,486 6,645
1995 44,779,777 5,816
1996 46,005,802 5,715
1997 46,924,340 5,293
1998 43,632,454 5,166
1999 62,225,780 5,485
2000 46,300,675 5,273
2001 35,585,436 4,682
2002 15,833,104 3,296
2003 6,014,697 2,305
TOTAL 408,360,985 XXXX
LOSSES UNPAID
CASE BASIS BULK + IBNR
(13) (14) (15) (16)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 12,576,290 8,033,349 13,600,247 1,405,856
1994 380,120 0 1,002,307 282,018
1995 365,070 0 1,190,365 348,008
1996 883,154 0 1,484,817 514,952
1997 1,737,312 0 1,702,780 735,848
1998 2,285,357 0 3,138,274 2,125,618
1999 16,985,890 7,493,602 15,616,876 7,803,759
2000 27,459,847 13,518,462 36,468,789 20,352,914
2001 20,039,377 3,287,748 83,158,182 46,222,633
2002 29,809,363 13,619,970 121,713,975 61,717,689
2003 32,268,393 20,083,183 171,736,344 88,105,325
TOTAL 144,790,173 66,036,314 450,812,957 229,614,622
DEFENSE AND COST CONTAINMENT UNPAID
CASE BASIS BULK + IBNR
(17) (18) (19) (20)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 24,882,977 2,251,785
1994 0 0 403,082 25,844
1995 0 0 508,845 20,462
1996 0 0 748,675 40,050
1997 0 0 1,075,284 56,929
1998 0 0 2,199,467 87,823
1999 0 0 6,451,338 191,940
2000 0 0 9,103,551 448,095
2001 0 0 13,531,283 2,674,659
2002 0 0 18,458,108 4,277,418
2003 0 0 22,055,391 5,116,679
TOTAL 0 0 99,418,000 15,191,684
SALVAGE & TOTAL NET NUMBER OF
SUBROGATION LOSSES & CLAIMS
ADJUSTING AND OTHER UNPAID ANTICIPATED EXPENSES UNPAID OUTSTANDING
(21) (22) (23) (24) (25)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED
PRIOR 4,995,180 110,637 12,564 44,253,067 95
1994 107,914 0 18,651 1,585,561 20
1995 121,904 0 30,654 1,817,715 19
1996 166,336 0 41,945 2,727,980 35
1997 219,579 0 120,000 3,942,178 57
1998 426,994 117,750 231,528 5,718,902 119
1999 2,007,699 208,229 246,816 25,364,274 133
2000 3,530,683 171,718 315,330 42,071,681 257
2001 4,918,924 212,502 517,898 69,250,223 380
2002 7,303,842 157,000 539,767 97,513,212 431
2003 9,822,334 176,624 753,847 122,400,650 780
TOTAL 33,621,391 1,154,460 2,829,000 416,645,441 2,326
TOTAL LOSSES & LOSS EXPENSES INCURRED
(26) (27) (28)
ACC/YR DIR & ASSUMED CEDED NET
PRIOR XXXX XXXX XXXX
1994 57,012,235 2,151,188 54,861,047
1995 47,400,032 802,540 46,597,492
1996 49,952,917 1,219,135 48,733,782
1997 52,070,423 1,203,905 50,866,518
1998 55,098,644 5,747,288 49,351,356
1999 140,088,307 52,498,253 87,590,054
2000 144,012,142 55,639,786 88,372,355
2001 180,997,624 76,161,965 104,835,659
2002 194,931,535 81,585,219 113,346,316
2003 241,897,159 113,481,812 128,415,347
TOTAL XXXX XXXX XXXX
LOSS AND LOSS EXPENSE PERCENTAGE NONTABULAR DISCOUNT
(29) (30) (31) (32) (33)
ACC/YR DIR & ASSUMED CEDED NET LOSS LOSS EXPENSE
PRIOR XXXX XXXX XXXX 0 0
1994 50.7 108.0 49.6 0 0
1995 42.5 42.4 42.5 0 0
1996 47.7 116.0 47.0 0 0
1997 52.6 165.8 51.8 0 0
1998 56.6 256.1 51.9 0 0
1999 97.7 570.7 65.2 0 0
2000 84.7 194.3 62.5 0 0
2001 90.3 211.7 63.7 0 0
2002 80.5 147.4 60.7 0 0
2003 82.8 127.2 63.3 0 0
TOTAL XXXX XXXX XXXX 0 0
INTER-COMPANY
POOLING NET BALANCE SHEET RESERVES
PARTICIPATION % AFTER DISCOUNT
(34) (35) (36)
LOSS EXPENSES
ACC/YR LOSSES UNPAID UNPAID
PRIOR XXXX 16,737,332 27,515,736
1994 0.0 1,100,409 485,152
1995 0.0 1,207,427 610,287
1996 0.0 1,853,019 874,961
1997 0.0 2,704,244 1,237,934
1998 0.0 3,298,013 2,420,888
1999 0.0 17,305,405 8,058,869
2000 0.0 30,057,260 12,014,421
2001 0.0 53,687,178 15,563,046
2002 0.0 76,185,679 21,327,533
2003 0.0 95,816,229 26,584,420
TOTAL XXXX 299,952,194 116,693,247
OHIO CASUALTY GROUP
SCHEDULE P-PART 1H2 - GENERAL LIABILITY (CLAIMS MADE)
as of December 31, 2003
PREMIUMS EARNED LOSS PAYMENTS
(1) (2) (3) (4) (5)
ACC/YR DIR & ASSUMED CEDED NET DIR & ASSUMED CEDED
PRIOR XXXX XXXX XXXX 0 0
1994 158,192 2,025 156,167 20,192 0
1995 395,268 108,203 287,065 255,868 0
1996 807,258 290,207 517,051 40,126 0
1997 1,010,179 369,462 640,717 43,736 0
1998 1,156,442 439,750 716,691 29,091 0
1999 1,686,026 937,820 748,206 42,937 0
2000 1,722,639 614,311 1,108,328 48,693 0
2001 1,594,090 706,109 887,981 429,642 50,000
2002 1,822,801 795,298 1,027,503 3,000,227 2,450,917
2003 1,751,927 502,415 1,249,512 0 0
TOTAL XXXX XXXX XXXX 3,910,513 2,500,917
SALVAGE &
DEFENSE AND COST CONTAINMENT SUBROGATION
PAYMENTS ADJUSTING AND OTHER PAYMENTS RECEIVED
(6) (7) (8) (9) (10)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 0 0 0
1994 256,325 0 29,324 0 0
1995 177,225 0 50,137 0 0
1996 27,949 0 840 0 250
1997 38,870 0 1,849 0 1,183
1998 41,921 0 0 0 0
1999 41,902 0 56 0 0
2000 46,754 0 540 0 0
2001 123,450 156,449 13,357 0 25,000
2002 278,262 215,080 -11,792 0 0
2003 11,614 0 0 0 0
TOTAL 1,044,271 371,529 84,310 0 26,433
NUMBER OF
TOTAL NET PAID CLAIMS REP0RTED
(11) (12)
ACC/YR DIR & ASSUMED
PRIOR 0 XXXX
1994 305,841 9
1995 483,230 32
1996 68,915 42
1997 84,454 23
1998 71,012 8
1999 84,895 43
2000 95,987 33
2001 360,001 16
2002 600,699 16
2003 11,614 12
TOTAL 2,166,649 XXXX
LOSSES UNPAID
CASE BASIS BULK + IBNR
(13) (14) (15) (16)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 17,171 7,951
1994 0 0 11,822 5,475
1995 0 0 13,511 6,257
1996 0 0 15,482 7,169
1997 0 0 15,763 7,300
1998 0 0 37,860 17,532
1999 0 0 66,431 30,763
2000 0 0 110,343 51,098
2001 922,554 706,746 259,531 120,185
2002 63,700 22,500 346,088 160,268
2003 40,800 0 513,432 237,762
TOTAL 1,027,054 729,246 1,407,434 651,761
DEFENSE AND COST CONTAINMENT UNPAID
CASE BASIS BULK + IBNR
(17) (18) (19) (20)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 8,674 4,595
1994 0 0 5,216 2,763
1995 0 0 6,916 3,664
1996 0 0 9,905 5,247
1997 0 0 14,242 7,544
1998 0 0 28,250 14,965
1999 0 0 52,573 27,849
2000 0 0 71,445 37,847
2001 0 0 114,991 60,915
2002 0 0 125,541 66,503
2003 0 0 148,340 78,580
TOTAL 0 0 586,093 310,472
SALVAGE & TOTAL NET NUMBER OF
SUBROGATION LOSSES & CLAIMS
ADJUSTING AND OTHER UNPAID ANTICIPATED EXPENSES UNPAID OUTSTANDING
(21) (22) (23) (24) (25)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED
PRIOR 1,090 0 0 14,388 0
1994 750 0 0 9,551 0
1995 857 0 0 11,364 0
1996 982 0 0 13,953 0
1997 1,000 0 0 16,161 0
1998 2,403 558 0 35,457 0
1999 4,216 0 0 64,607 0
2000 7,002 1,601 0 98,244 0
2001 57,805 10,676 0 456,360 3
2002 24,816 24,020 0 286,853 6
2003 34,409 29,358 0 391,280 9
TOTAL 135,330 66,214 0 1,398,218 18
TOTAL LOSSES & LOSS EXPENSES INCURRED
(26) (27) (28)
ACC/YR DIR & ASSUMED CEDED NET
PRIOR XXXX XXXX XXXX
1994 323,630 8,238 315,392
1995 504,515 9,920 494,594
1996 95,284 12,416 82,868
1997 115,460 14,844 100,616
1998 139,525 33,055 106,469
1999 208,114 58,612 149,502
2000 284,777 90,546 194,231
2001 1,921,331 1,104,970 816,361
2002 3,826,841 2,939,289 887,552
2003 748,595 345,701 402,894
TOTAL XXXX XXXX XXXX
LOSS AND LOSS EXPENSE PERCENTAGE NONTABULAR DISCOUNT
(29) (30) (31) (32) (33)
ACC/YR DIR & ASSUMED CEDED NET LOSS LOSS EXPENSE
PRIOR XXXX XXXX XXXX 0 0
1994 204.6 406.8 202.0 0 0
1995 127.6 9.2 172.3 0 0
1996 11.8 4.3 16.0 0 0
1997 11.4 4.0 15.7 0 0
1998 12.1 7.5 14.9 0 0
1999 12.3 6.2 20.0 0 0
2000 16.5 14.7 17.5 0 0
2001 120.5 156.5 91.9 0 0
2002 209.9 369.6 86.4 0 0
2003 42.7 68.8 32.2 0 0
TOTAL XXXX XXXX XXXX 0 0
INTER-COMPANY
POOLING NET BALANCE SHEET RESERVES
PARTICIPATION % AFTER DISCOUNT
(34) (35) (36)
LOSS EXPENSES
ACC/YR LOSSES UNPAID UNPAID
PRIOR XXXX 9,219 5,169
1994 0.0 6,348 3,203
1995 0.0 7,254 4,110
1996 0.0 8,312 5,640
1997 0.0 8,464 7,698
1998 0.0 20,328 15,130
1999 0.0 35,668 28,939
2000 0.0 59,245 38,999
2001 0.0 355,154 101,206
2002 0.0 227,020 59,833
2003 0.0 316,470 74,810
TOTAL XXXX 1,053,481 344,737
OHIO CASUALTY GROUP
SCHEDULE P-PART 1I - SPECIAL PROPERTY
as of December 31, 2003
PREMIUMS EARNED LOSS PAYMENTS
(1) (2) (3) (4) (5)
ACC/YR DIR & ASSUMED CEDED NET DIR & ASSUMED CEDED
PRIOR XXXX XXXX XXXX -305,648 -232,878
2002 70,149,144 3,840,193 66,308,951 24,389,370 181,756
2003 63,344,931 2,259,908 61,085,023 18,177,979 0
TOTAL XXXX XXXX XXXX 42,261,700 -51,122
SALVAGE &
DEFENSE AND COST CONTAINMENT SUBROGATION
PAYMENTS ADJUSTING AND OTHER PAYMENTS RECEIVED
(6) (7) (8) (9) (10)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 283,274 83,841 20,516 15,029 866,452
2002 60,348 0 2,701,018 3,781 711,662
2003 20,816 0 2,382,851 0 80,086
TOTAL 364,438 83,841 5,104,385 18,810 1,658,200
NUMBER OF
TOTAL NET PAID CLAIMS REP0RTED
(11) (12)
ACC/YR DIR & ASSUMED
PRIOR 132,149 XXXX
2002 26,965,199 XXXX
2003 20,581,646 XXXX
TOTAL 47,678,994 XXXX
LOSSES UNPAID
CASE BASIS BULK + IBNR
(13) (14) (15) (16)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 1,816,525 1,345,475 -137,391 13,949
2002 1,082,408 0 475,280 37,813
2003 4,042,483 0 1,814,059 117,726
TOTAL 6,941,416 1,345,475 2,151,949 169,487
DEFENSE AND COST CONTAINMENT UNPAID
CASE BASIS BULK + IBNR
(17) (18) (19) (20)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 188,987 25,312
2002 0 0 162,807 21,806
2003 0 0 184,640 24,730
TOTAL 0 0 536,433 71,848
SALVAGE & TOTAL NET NUMBER OF
SUBROGATION LOSSES & CLAIMS
ADJUSTING AND OTHER UNPAID ANTICIPATED EXPENSES UNPAID OUTSTANDING
(21) (22) (23) (24) (25)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED
PRIOR 422,682 122,003 405,520 784,064 53
2002 332,610 32,050 251,568 1,961,436 30
2003 1,178,083 23,557 448,912 7,053,252 452
TOTAL 1,933,375 177,610 1,106,000 9,798,753 535
TOTAL LOSSES & LOSS EXPENSES INCURRED
(26) (27) (28)
ACC/YR DIR & ASSUMED CEDED NET
PRIOR XXXX XXXX XXXX
2002 29,203,841 277,206 28,926,635
2003 27,800,911 166,013 27,634,898
TOTAL XXXX XXXX XXXX
LOSS AND LOSS EXPENSE PERCENTAGE NONTABULAR DISCOUNT
(29) (30) (31) (32) (33)
ACC/YR DIR & ASSUMED CEDED NET LOSS LOSS EXPENSE
PRIOR XXXX XXXX XXXX 0 0
2002 41.6 7.2 43.6 0 0
2003 43.9 7.3 45.2 0 0
TOTAL XXXX XXXX XXXX 0 0
INTER-COMPANY
POOLING NET BALANCE SHEET RESERVES
PARTICIPATION % AFTER DISCOUNT
(34) (35) (36)
LOSS EXPENSES
ACC/YR LOSSES UNPAID UNPAID
PRIOR XXXX 319,711 464,354
2002 0.0 1,519,876 441,560
2003 0.0 5,738,817 1,314,436
TOTAL XXXX 7,578,403 2,220,350
OHIO CASUALTY GROUP
SCHEDULE P-PART 1J - AUTO PHYSICAL DAMAGE
as of December 31, 2003
PREMIUMS EARNED LOSS PAYMENTS
(1) (2) (3) (4) (5)
ACC/YR DIR & ASSUMED CEDED NET DIR & ASSUMED CEDED
PRIOR XXXX XXXX XXXX -1,869,435 -55,146
2002 228,036,997 -185 228,037,182 115,399,354 1,278,191
2003 190,614,915 1,122 190,613,792 93,007,931 50,416
TOTAL XXXX XXXX XXXX 206,537,850 1,273,461
SALVAGE &
DEFENSE AND COST CONTAINMENT SUBROGATION
PAYMENTS ADJUSTING AND OTHER PAYMENTS RECEIVED
(6) (7) (8) (9) (10)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 76,158 -6,851 -114,468 0 2,255,846
2002 159,706 8,546 17,867,362 14,981 19,205,683
2003 8,848 0 15,776,931 102 7,684,170
TOTAL 244,712 1,695 33,529,825 15,083 29,145,698
NUMBER OF
TOTAL NET PAID CLAIMS REP0RTED
(11) (12)
ACC/YR DIR & ASSUMED
PRIOR -1,845,748 XXXX
2002 132,124,704 76,944
2003 108,743,192 59,218
TOTAL 239,022,148 XXXX
LOSSES UNPAID
CASE BASIS BULK + IBNR
(13) (14) (15) (16)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 117,124 20 -2,470,722 2
2002 75,683 0 -1,565,996 1
2003 8,170,370 0 -4,020,980 15
TOTAL 8,363,177 20 -8,057,697 18
DEFENSE AND COST CONTAINMENT UNPAID
CASE BASIS BULK + IBNR
(17) (18) (19) (20)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 137,309 0
2002 0 0 88,200 0
2003 0 0 129,362 0
TOTAL 0 0 354,871 0
SALVAGE & TOTAL NET NUMBER OF
SUBROGATION LOSSES & CLAIMS
ADJUSTING AND OTHER UNPAID ANTICIPATED EXPENSES UNPAID OUTSTANDING
(21) (22) (23) (24) (25)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED
PRIOR 2,380,292 2 2,905,682 163,980 22
2002 837,254 0 1,870,968 -564,860 41
2003 2,210,985 0 7,889,349 6,489,722 4,433
TOTAL 5,428,532 3 12,666,000 6,088,842 4,496
TOTAL LOSSES & LOSS EXPENSES INCURRED
(26) (27) (28)
ACC/YR DIR & ASSUMED CEDED NET
PRIOR XXXX XXXX XXXX
2002 132,861,564 1,301,720 131,559,844
2003 115,283,447 50,533 115,232,914
TOTAL XXXX XXXX XXXX
LOSS AND LOSS EXPENSE PERCENTAGE NONTABULAR DISCOUNT
(29) (30) (31) (32) (33)
ACC/YR DIR & ASSUMED CEDED NET LOSS LOSS EXPENSE
PRIOR XXXX XXXX XXXX 0 0
2002 58.3 -703,404.3 57.7 0 0
2003 60.5 4,502.5 60.5 0 0
TOTAL XXXX XXXX XXXX 0 0
INTER-COMPANY
POOLING NET BALANCE SHEET RESERVES
PARTICIPATION % AFTER DISCOUNT
(34) (35) (36)
LOSS EXPENSES
ACC/YR LOSSES UNPAID UNPAID
PRIOR XXXX -2,353,619 2,517,599
2002 0.0 -1,490,314 925,454
2003 0.0 4,149,375 2,340,347
TOTAL XXXX 305,442 5,783,400
OHIO CASUALTY GROUP
SCHEDULE P-PART 1K - FIDELITY AND SURETY
as of December 31, 2003
PREMIUMS EARNED LOSS PAYMENTS
(1) (2) (3) (4) (5)
ACC/YR DIR & ASSUMED CEDED NET DIR & ASSUMED CEDED
PRIOR XXXX XXXX XXXX 2,573,262 2,361,060
2002 40,107,744 -3,785,545 43,893,288 6,293,535 950,000
2003 42,315,424 1,410,209 40,905,215 2,107,750 0
TOTAL XXXX XXXX XXXX 10,974,547 3,311,060
SALVAGE &
DEFENSE AND COST CONTAINMENT SUBROGATION
PAYMENTS ADJUSTING AND OTHER PAYMENTS RECEIVED
(6) (7) (8) (9) (10)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 435,355 122,586 258,014 6,367 587,762
2002 304,350 0 1,267,873 0 715,632
2003 142,944 0 691,870 0 351,488
TOTAL 882,650 122,586 2,217,758 6,367 1,654,882
NUMBER OF
TOTAL NET PAID CLAIMS REP0RTED
(11) (12)
ACC/YR DIR & ASSUMED
PRIOR 776,619 XXXX
2002 6,915,758 XXXX
2003 2,942,565 XXXX
TOTAL 10,634,942 XXXX
LOSSES UNPAID
CASE BASIS BULK + IBNR
(13) (14) (15) (16)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 4,101,144 454,245 -2,181,714 18,515
2002 1,323,019 23,750 34,660 50,180
2003 3,425,853 300,000 2,156,993 156,229
TOTAL 8,850,016 777,995 9,939 224,924
DEFENSE AND COST CONTAINMENT UNPAID
CASE BASIS BULK + IBNR
(17) (18) (19) (20)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 1,140,609 75,596
2002 0 0 980,187 65,124
2003 0 0 1,111,632 73,857
TOTAL 0 0 3,232,427 214,578
SALVAGE & TOTAL NET NUMBER OF
SUBROGATION LOSSES & CLAIMS
ADJUSTING AND OTHER UNPAID ANTICIPATED EXPENSES UNPAID OUTSTANDING
(21) (22) (23) (24) (25)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED
PRIOR 375,860 43,651 2,623,167 2,843,891 125
2002 211,585 11,467 1,161,792 2,398,929 121
2003 601,590 8,428 1,568,042 6,757,553 346
TOTAL 1,189,034 63,546 5,353,000 12,000,373 592
TOTAL LOSSES & LOSS EXPENSES INCURRED
(26) (27) (28)
ACC/YR DIR & ASSUMED CEDED NET
PRIOR XXXX XXXX XXXX
2002 10,415,208 1,100,521 9,314,688
2003 10,238,632 538,515 9,700,117
TOTAL XXXX XXXX XXXX
LOSS AND LOSS EXPENSE PERCENTAGE NONTABULAR DISCOUNT
(29) (30) (31) (32) (33)
ACC/YR DIR & ASSUMED CEDED NET LOSS LOSS EXPENSE
PRIOR XXXX XXXX XXXX 0 0
2002 26.0 -29.1 21.2 0 0
2003 24.2 38.2 23.7 0 0
TOTAL XXXX XXXX XXXX 0 0
INTER-COMPANY
POOLING NET BALANCE SHEET RESERVES
PARTICIPATION % AFTER DISCOUNT
(34) (35) (36)
LOSS EXPENSES
ACC/YR LOSSES UNPAID UNPAID
PRIOR XXXX 1,446,670 1,397,221
2002 0.0 1,283,749 1,115,180
2003 0.0 5,126,617 1,630,936
TOTAL XXXX 7,857,036 4,143,337
OHIO CASUALTY GROUP
SCHEDULE P-PART 1L - ACCIDENT & HEALTH
as of December 31, 2003
PREMIUMS EARNED LOSS PAYMENTS
(1) (2) (3) (4) (5)
ACC/YR DIR & ASSUMED CEDED NET DIR & ASSUMED CEDED
PRIOR XXXX XXXX XXXX 229 0
2002 139,504 139,504 0 155,640 155,640
2003 122,083 122,083 0 113,991 113,991
TOTAL XXXX XXXX XXXX 269,860 269,631
SALVAGE &
DEFENSE AND COST CONTAINMENT SUBROGATION
PAYMENTS ADJUSTING AND OTHER PAYMENTS RECEIVED
(6) (7) (8) (9) (10)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 0 0 0
2002 0 0 0 0 0
2003 0 0 0 0 0
TOTAL 0 0 0 0 0
NUMBER OF
TOTAL NET PAID CLAIMS REP0RTED
(11) (12)
ACC/YR DIR & ASSUMED
PRIOR 229 XXXX
2002 0 XXXX
2003 0 XXXX
TOTAL 229 XXXX
LOSSES UNPAID
CASE BASIS BULK + IBNR
(13) (14) (15) (16)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 0 0
2002 0 0 0 0
2003 618,978 618,978 170,232 170,232
TOTAL 618,978 618,978 170,232 170,232
DEFENSE AND COST CONTAINMENT UNPAID
CASE BASIS BULK + IBNR
(17) (18) (19) (20)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 0 0
2002 0 0 0 0
2003 0 0 0 0
TOTAL 0 0 0 0
SALVAGE & TOTAL NET NUMBER OF
SUBROGATION LOSSES & CLAIMS
ADJUSTING AND OTHER UNPAID ANTICIPATED EXPENSES UNPAID OUTSTANDING
(21) (22) (23) (24) (25)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED
PRIOR 0 0 0 0 0
2002 0 0 0 0 0
2003 0 0 0 0 0
TOTAL 0 0 0 0 0
TOTAL LOSSES & LOSS EXPENSES INCURRED
(26) (27) (28)
ACC/YR DIR & ASSUMED CEDED NET
PRIOR XXXX XXXX XXXX
2002 155,640 155,640 0
2003 903,201 903,201 0
TOTAL XXXX XXXX XXXX
LOSS AND LOSS EXPENSE PERCENTAGE NONTABULAR DISCOUNT
(29) (30) (31) (32) (33)
ACC/YR DIR & ASSUMED CEDED NET LOSS LOSS EXPENSE
PRIOR XXXX XXXX XXXX 0 0
2002 111.6 111.6 0.0 0 0
2003 739.8 739.8 0.0 0 0
TOTAL XXXX XXXX XXXX 0 0
INTER-COMPANY
POOLING NET BALANCE SHEET RESERVES
PARTICIPATION % AFTER DISCOUNT
(34) (35) (36)
LOSS EXPENSES
ACC/YR LOSSES UNPAID UNPAID
PRIOR 0 0 0
2002 0.0 0 0
2003 0.0 0 0
TOTAL XXXX 0 0
OHIO CASUALTY GROUP
SCHEDULE P-PART 1R1 - PRODUCT LIABILITY (OCCURRENCE)
as of December 31, 2003
PREMIUMS EARNED LOSS PAYMENTS
(1) (2) (3) (4) (5)
ACC/YR DIR & ASSUMED CEDED NET DIR & ASSUMED CEDED
PRIOR XXXX XXXX XXXX 323,028 0
1994 1,231,286 15,761 1,215,525 938,426 0
1995 485,873 6,255 479,618 1,110,889 0
1996 384,859 1,279 383,580 1,726,755 0
1997 396,349 1,454 394,895 1,351,739 0
1998 1,082,805 9,236 1,073,569 6,185,899 -20,760
1999 7,496,691 81,086 7,415,605 2,258,878 0
2000 10,178,601 464,443 9,714,158 1,625,506 0
2001 9,133,427 362,941 8,770,486 427,864 0
2002 6,955,594 232,075 6,723,519 124,992 0
2003 6,916,451 39,102 6,877,349 65,557 0
TOTAL XXXX XXXX XXXX 16,139,533 -20,760
SALVAGE &
DEFENSE AND COST CONTAINMENT SUBROGATION
PAYMENTS ADJUSTING AND OTHER PAYMENTS RECEIVED
(6) (7) (8) (9) (10)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 657,873 0 -78,120 0 -46,694
1994 670,347 0 398,129 0 35,268
1995 498,110 0 1,161,135 0 12,928
1996 776,536 0 897,000 0 7,662
1997 412,901 0 -10,288 0 77,466
1998 1,615,479 68,163 5,134,474 13,445 120,118
1999 799,631 0 -311,433 0 103,208
2000 714,799 0 -249,353 0 76,692
2001 269,744 0 847,335 0 598,894
2002 68,235 0 488,471 0 1,109
2003 300 0 193,727 0 1,345
TOTAL 6,483,955 68,163 8,471,078 13,445 987,996
NUMBER OF
TOTAL NET PAID CLAIMS REP0RTED
(11) (12)
ACC/YR DIR & ASSUMED
PRIOR 902,781 XXXX
1994 2,006,903 236
1995 2,770,134 146
1996 3,400,291 136
1997 1,754,352 118
1998 12,875,005 554
1999 2,747,076 103
2000 2,090,952 137
2001 1,544,943 101
2002 681,698 42
2003 259,584 22
TOTAL 31,033,719 XXXX
LOSSES UNPAID
CASE BASIS BULK + IBNR
(13) (14) (15) (16)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 904,503 0 314,382 1,920
1994 15,100 0 48,769 1,322
1995 105,000 0 55,736 1,511
1996 85,000 0 63,865 1,731
1997 62,500 0 65,026 1,763
1998 1,855,061 1 156,178 4,234
1999 2,163,020 0 274,038 7,428
2000 1,205,020 0 455,181 12,339
2001 413,530 0 1,070,605 29,021
2002 222,000 0 1,427,667 38,700
2003 26,500 0 2,117,987 57,413
TOTAL 7,057,234 1 6,049,434 157,382
DEFENSE AND COST CONTAINMENT UNPAID
CASE BASIS BULK + IBNR
(17) (18) (19) (20)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED CEDED
PRIOR 0 0 403,491 832
1994 0 0 38,656 501
1995 0 0 51,252 664
1996 0 0 73,403 951
1997 0 0 105,544 1,367
1998 0 0 209,350 2,711
1999 0 0 389,600 5,046
2000 0 0 529,456 6,857
2001 0 0 852,168 11,036
2002 0 0 930,348 12,049
2003 0 0 1,099,305 14,237
TOTAL 0 0 4,682,571 56,249
SALVAGE & TOTAL NET NUMBER OF
SUBROGATION LOSSES & CLAIMS
ADJUSTING AND OTHER UNPAID ANTICIPATED EXPENSES UNPAID OUTSTANDING
(21) (22) (23) (24) (25)
ACC/YR DIR & ASSUMED CEDED DIR & ASSUMED
PRIOR 144,232 0 0 1,763,855 35
1994 9,171 0 0 109,873 3
1995 22,942 0 0 232,755 6
1996 21,300 0 0 240,886 3
1997 18,206 0 0 248,146 3
1998 286,989 2,006 0 2,498,627 175
1999 347,738 3,259 0 3,158,662 24
2000 237,132 2,925 0 2,404,669 20
2001 212,563 3,593 0 2,505,215 32
2002 236,525 2,674 0 2,763,117 14
2003 307,676 3,008 0 3,476,809 8
TOTAL 1,844,472 17,465 0 19,402,614 323
TOTAL LOSSES & LOSS EXPENSES INCURRED
(26) (27) (28)
ACC/YR DIR & ASSUMED CEDED NET
PRIOR XXXX XXXX XXXX
1994 2,118,599 1,823 2,116,776
1995 3,005,064 2,175 3,002,890
1996 3,643,858 2,682 3,641,177
1997 2,005,627 3,130 2,002,498
1998 15,443,430 69,799 15,373,632
1999 5,921,471 15,733 5,905,738
2000 4,517,741 22,120 4,495,621
2001 4,093,808 43,651 4,050,158
2002 3,498,238 53,423 3,444,815
2003 3,811,052 74,658 3,736,394
TOTAL XXXX XXXX XXXX
LOSS AND LOSS EXPENSE PERCENTAGE NONTABULAR DISCOUNT
(29) (30) (31) (32) (33)
ACC/YR DIR & ASSUMED CEDED NET LOSS LOSS EXPENSE
PRIOR XXXX XXXX XXXX 0 0
1994 172.1 11.6 174.1 0 0
1995 618.5 34.8 626.1 0 0
1996 946.8 209.7 949.3 0 0
1997 506.0 215.2 507.1 0 0
1998 1,426.2 755.7 1,432.0 0 0
1999 79.0 19.4 79.6 0 0
2000 44.4 4.8 46.3 0 0
2001 44.8 12.0 46.2 0 0
2002 50.3 23.0 51.2 0 0
2003 55.1 190.9 54.3 0 0
TOTAL XXXX XXXX XXXX 0 0
INTER-COMPANY
POOLING NET BALANCE SHEET RESERVES
PARTICIPATION % AFTER DISCOUNT
(34) (35) (36)
LOSS EXPENSES
ACC/YR LOSSES UNPAID UNPAID
PRIOR XXXX 1,216,965 546,890
1994 0.0 62,547 47,326
1995 0.0 159,226 73,530
1996 0.0 147,134 93,752
1997 0.0 125,763 122,383
1998 0.0 2,007,005 491,622
1999 0.0 2,429,629 729,033
2000 0.0 1,647,863 756,806
2001 0.0 1,455,114 1,050,101
2002 0.0 1,610,967 1,152,150
2003 0.0 2,087,074 1,389,736
TOTAL XXXX 12,949,285 6,453,329