Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - ANALYSIS OF LOSSES AND LOSS EXPENSES
Notes to Schedule P
(1) The Parts of Schedule P:
Part 1 - detailed information on losses and loss expenses.
Part 2 - history of incurred losses and allocated expenses.
Part 3 - history of loss and allocated expense payments.
Part 4 - history of bulk and incurred-but-not reported reserves.
Part 5 - history of claims.
Part 6 - history of premiums earned.
Part 7 - history of loss sensitive contracts.
Schedule P Interrogatories
(2) Lines of business A through M, R, and S are groupings of the lines of
business used on the state page.
(3) Reinsurance A, B, C, and D (lines N to Q) are:
Reinsurance A = nonproportional property (1988 and subsequent)
Reinsurance B = nonproportional liability (1988 and subsequent)
Reinsurance C = financial lines (1988 and subsequent)
Reinsurance D = old Schedule O line 30 (1987 and prior)
(4) Parts 2 and 4 are gross of all discounting, including tabular
discounting. Part 1 is gross of only non-tabular discounting,
which is reported in Columns 31 and 32 of Part 1. The tabular
discount, if any, is reported in the Notes to Financial Statements
which will reconcile Part 1 with Parts 2 and 4.
SCHEDULE P - PART 1 - SUMMARY
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| | Premiums Earned | Loss and Loss Expense Payments
| 1 |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`1.`Prior` | X X X | X X X | X X X | 82,026 | 20,268 | 23,083 | 938 | 7,084
`|`2.`1987` | 4,139,197 | 563,462 | 3,575,735 | 2,342,392 | 405,094 | 184,260 | 17,357 | 105,658
`|`3.`1988` | 4,342,942 | 758,938 | 3,584,004 | 2,465,082 | 540,777 | 187,682 | 16,281 | 108,161
`|`4.`1989` | 4,343,978 | 987,187 | 3,356,791 | 2,698,695 | 671,293 | 184,074 | 16,363 | 107,510
`|`5.`1990` | 4,280,255 | 927,813 | 3,352,442 | 2,475,345 | 620,861 | 206,812 | 19,466 | 123,799
`|`6.`1991` | 3,708,988 | 700,245 | 3,008,743 | 2,005,758 | 388,599 | 168,118 | 12,113 | 78,565
`|`7.`1992` | 3,205,860 | 699,673 | 2,506,187 | 1,927,247 | 584,701 | 139,900 | 15,496 | 56,409
`|`8.`1993` | 3,028,604 | 886,775 | 2,141,829 | 1,361,444 | 356,719 | 102,389 | 10,370 | 41,227
`|`9.`1994` | 2,852,152 | 580,919 | 2,271,233 | 1,239,871 | 176,238 | 65,936 | 4,346 | 41,100
`|10.`1995` | 2,893,067 | 599,372 | 2,293,695 | 1,049,635 | 167,169 | 33,129 | 1,311 | 32,610
`|11.`1996` | 2,925,499 | 471,612 | 2,453,887 | 665,585 | 23,419 | 11,799 | 234 | 18,427
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | 18,313,080 | 3,955,138 | 1,307,182 | 114,275 | 720,550
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| 12 |
| 10 | 11 | |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| 7,017 | 90,920 | X X X |
| 117,146 | 2,221,347 | X X X |
| 123,172 | 2,218,878 | X X X |
| 133,387 | 2,328,500 | X X X |
| 143,917 | 2,185,747 | X X X |
| 150,530 | 1,923,694 | X X X |
| 138,288 | 1,605,238 | X X X |
| 109,624 | 1,206,368 | X X X |
| 98,141 | 1,223,364 | X X X |
| 102,855 | 1,017,139 | X X X |
| 104,678 | 758,409 | X X X |
|--------------|--------------|--------------|
| 1,228,755 | 16,779,604 | X X X |
>-------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`1.`Prior` | 593,806 | 132,796 | 355,039 | 27,293 | 0 | 0 | 148,687 | 3,768
`|`2.`1987` | 74,425 | 14,121 | 90,657 | 16,589 | 0 | 0 | 25,598 | 546
`|`3.`1988` | 126,077 | 49,431 | 115,035 | 27,655 | 0 | 0 | 30,151 | 642
`|`4.`1989` | 150,908 | 69,863 | 128,237 | 28,032 | 0 | 0 | 32,330 | 1,014
`|`5.`1990` | 178,394 | 82,874 | 146,382 | 35,655 | 0 | 0 | 46,584 | 1,451
`|`6.`1991` | 123,436 | 26,130 | 158,868 | 50,110 | 4 | 0 | 50,938 | 1,479
`|`7.`1992` | 143,195 | 33,406 | 184,048 | 99,172 | 78 | 5 | 52,163 | 2,255
`|`8.`1993` | 155,548 | 34,611 | 208,381 | 125,351 | 896 | 9 | 62,965 | 2,443
`|`9.`1994` | 221,644 | 38,945 | 269,501 | 109,078 | 1,012 | 0 | 88,940 | 3,705
`|10.`1995` | 299,402 | 50,347 | 410,580 | 140,231 | 1,772 | 14 | 115,609 | 5,729
`|11.`1996` | 482,237 | 56,772 | 758,515 | 236,471 | 2,383 | 54 | 143,991 | 5,343
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | 2,549,072 | 589,296 | 2,825,243 | 895,637 | 6,145 | 82 | 797,956 | 28,375
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct |
| Anticipated | Unpaid | Unpaid | and Assumed |
|--------------|--------------|--------------|-------------|
| 11,360 | 32,333 | 966,008 | X X X |
| 2,424 | 5,225 | 164,649 | X X X |
| 3,149 | 6,691 | 200,226 | X X X |
| 4,561 | 7,416 | 219,982 | X X X |
| 5,797 | 8,975 | 260,355 | X X X |
| 5,778 | 10,042 | 265,569 | X X X |
| 6,454 | 10,379 | 255,025 | X X X |
| 7,454 | 10,727 | 276,103 | X X X |
| 11,111 | 14,719 | 444,088 | X X X |
| 16,000 | 22,087 | 653,130 | X X X |
| 25,920 | 50,254 | 1,138,740 | X X X |
|--------------|--------------|--------------|-------------|
| 100,008 | 178,848 | 4,843,874 | X X X |
>-------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 95,561 | 6,740
`|`2.`1987` | 2,839,703 | 453,707 | 2,385,996 | 68.6 | 80.5 | 66.7 | 11,714 | 1,350
`|`3.`1988` | 3,053,890 | 634,786 | 2,419,104 | 70.3 | 83.6 | 67.5 | 13,958 | 1,494
`|`4.`1989` | 3,335,047 | 786,565 | 2,548,482 | 76.8 | 79.7 | 75.9 | 15,803 | 1,785
`|`5.`1990` | 3,206,409 | 760,307 | 2,446,102 | 74.9 | 81.9 | 73.0 | 15,316 | 1,860
`|`6.`1991` | 2,667,694 | 478,431 | 2,189,263 | 71.9 | 68.3 | 72.8 | 12,321 | 1,586
`|`7.`1992` | 2,595,298 | 735,035 | 1,860,263 | 81.0 | 105.1 | 74.2 | 7,066 | 1,312
`|`8.`1993` | 2,011,974 | 529,503 | 1,482,471 | 66.4 | 59.7 | 69.2 | 4,641 | 969
`|`9.`1994` | 1,999,764 | 332,312 | 1,667,452 | 70.1 | 57.2 | 73.4 | 4,921 | 952
`|10.`1995` | 2,035,070 | 364,801 | 1,670,269 | 70.3 | 60.9 | 72.8 | 6,866 | 1,070
`|11.`1996` | 2,219,442 | 322,293 | 1,897,149 | 75.9 | 68.3 | 77.3 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 188,167 | 19,118
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
|Inter-Company |--------------#--------------|
| Pooling | 34 | 35 |
|Participation | Losses |Loss Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| X X X | 693,195 | 170,512 |
| 0.0 | 122,658 | 28,927 |
| 0.0 | 150,068 | 34,706 |
| 0.0 | 165,447 | 36,947 |
| 0.0 | 190,931 | 52,248 |
| 0.0 | 193,743 | 57,919 |
| 0.0 | 187,599 | 59,048 |
| 0.0 | 199,326 | 71,167 |
| 0.0 | 338,201 | 100,014 |
| 0.0 | 512,538 | 132,656 |
| 0.0 | 947,509 | 191,231 |
|--------------|--------------|--------------|
| X X X | 3,701,215 | 935,374 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 2 - SUMMARY
!-------------------#--------------------------------------------------------------------------------------------------------------
| 1 | Incurred Losses and Allocated Expenses Reported At Year End ($000 omitted)
| Years in Which |---------------------------#-------------#-------------#-------------#-------------#-------------#------------
| Losses Were | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994
|-------------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|------------
| | | | | | | | |
`| "1. "`Prior` | 2,685,865 | 2,914,705 | 3,078,031 | 3,369,445 | 3,532,069 | 3,648,857 | 3,762,545 | 3,788,485
`| "2. "`1987` | 2,443,362 | 2,321,867 | 2,235,275 | 2,289,411 | 2,265,771 | 2,290,481 | 2,295,282 | 2,291,267
`| "3. "`1988` | X X X | 2,337,495 | 2,278,162 | 2,398,771 | 2,300,326 | 2,332,719 | 2,314,366 | 2,313,708
`| "4. "`1989` | X X X | X X X | 2,495,094 | 2,473,262 | 2,523,655 | 2,479,795 | 2,478,079 | 2,459,572
`| "5. "`1990` | X X X | X X X | X X X | 2,447,110 | 2,438,560 | 2,415,342 | 2,353,796 | 2,334,848
`| "6. "`1991` | X X X | X X X | X X X | X X X | 2,302,136 | 2,229,647 | 2,105,898 | 2,084,630
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 1,868,197 | 1,771,125 | 1,721,041
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 1,453,142 | 1,413,922
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 1,605,215
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------->--------------------------->------------->------------->------------->------------->------------->------------
`|`12.""Totals
-----------------------------------------------------------------------------------------------------------------------------------
- - -----------------------------#-----------------------------#
| Development |
- - -#-------------#-------------|--------------#--------------|
| 10 | 11 | 12 | 13 |
| 1995 | 1996 | One Year | Two Year |
- - -|-------------|-------------|--------------|--------------|
| | | | |
| 3,774,940 | 3,793,213 | 18,273 | 4,728 |
| 2,269,358 | 2,274,636 | 5,278 | (16,631)|
| 2,307,385 | 2,301,838 | (5,547)| (11,870)|
| 2,443,377 | 2,421,938 | (21,439)| (37,634)|
| 2,336,079 | 2,306,408 | (29,671)| (28,440)|
| 2,072,305 | 2,037,655 | (34,650)| (46,975)|
| 1,726,587 | 1,717,202 | (9,385)| (3,838)|
| 1,391,665 | 1,364,915 | (26,750)| (49,007)|
| 1,589,979 | 1,557,122 | (32,857)| (48,093)|
| 1,559,165 | 1,548,197 | (10,968)| X X X |
| X X X | 1,742,349 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
| (147,715)| (237,760)|
- - ----------------------------->-------------->-------------->
SCHEDULE P - PART 3 - SUMMARY
!-------------------#--------------------------------------------------------------------------------------------------------------
| |
| 1 | Cumulative Paid Losses and Allocated Expenses At Year End ($000 omitted)
| Years in Which |-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
| Losses Were | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994
| | | | | | | | |
|-------------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|------------
`| "1. "`Prior` | 000 | 793,736 | 1,377,455 | 1,794,501 | 2,074,605 | 2,267,346 | 2,435,408 | 2,582,482
`| "2. "`1987` | 753,718 | 1,261,685 | 1,531,766 | 1,729,926 | 1,896,736 | 1,975,924 | 2,029,617 | 2,066,069
`| "3. "`1988` | X X X | 733,068 | 1,265,507 | 1,548,698 | 1,761,747 | 1,901,785 | 1,977,419 | 2,036,170
`| "4. "`1989` | X X X | X X X | 776,775 | 1,370,738 | 1,697,232 | 1,896,073 | 2,026,575 | 2,117,065
`| "5. "`1990` | X X X | X X X | X X X | 757,672 | 1,310,696 | 1,588,607 | 1,787,224 | 1,912,926
`| "6. "`1991` | X X X | X X X | X X X | X X X | 733,298 | 1,187,454 | 1,441,285 | 1,610,865
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 624,810 | 1,017,399 | 1,215,793
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 507,258 | 809,923
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 555,361
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -----------------------------#--------------#--------------#
| 12 | 13 |
| Number of | Number of |
- - -#-------------#-------------| Claims | Claims |
| 10 | 11 | Closed With | Closed |
| 1995 | 1996 | Loss | Without Loss |
| | | Payment | Payment |
- - -|-------------|-------------|--------------|--------------|
| 2,703,699 | 2,787,603 | X X X | X X X |
| 2,090,331 | 2,104,201 | X X X | X X X |
| 2,074,061 | 2,095,706 | X X X | X X X |
| 2,162,957 | 2,195,113 | X X X | X X X |
| 1,995,814 | 2,041,830 | X X X | X X X |
| 1,709,431 | 1,773,164 | X X X | X X X |
| 1,365,159 | 1,466,950 | X X X | X X X |
| 985,485 | 1,096,744 | X X X | X X X |
| 926,978 | 1,125,223 | X X X | X X X |
| 538,977 | 914,286 | X X X | X X X |
| X X X | 653,732 | X X X | X X X |
- - ->------------->------------->-------------->-------------->
SCHEDULE P - PART 4 - SUMMARY
!-------------------#---------------------------------------------------------------------------------------------------------------
| 1 | Bulk and Incurred But Not Reported Reserves on Losses and Allocated Expenses at Year End ($000 omitted)
| Years in Which |-------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------
| Losses | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9
| Were Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994
|-------------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------
| "1. " "`Prior` | 1,071,209 | 739,999 | 541,197 | 584,142 | 553,930 | 611,128 | 701,447 | 570,304
| "2. " "`1987` | 1,144,161 | 651,530 | 386,103 | 315,656 | 175,577 | 168,827 | 164,297 | 129,230
| "3. " "`1988` | X X X | 1,043,788 | 588,604 | 504,738 | 257,562 | 223,953 | 183,152 | 150,266
| "4. " "`1989` | X X X | X X X | 1,092,870 | 644,817 | 460,846 | 312,733 | 250,602 | 195,553
| "5. " "`1990` | X X X | X X X | X X X | 1,070,678 | 665,617 | 477,407 | 320,209 | 227,926
| "6. " "`1991` | X X X | X X X | X X X | X X X | 956,428 | 642,639 | 374,385 | 259,342
| "7. " "`1992` | X X X | X X X | X X X | X X X | X X X | 731,477 | 422,910 | 251,411
| "8. " "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 568,310 | 347,563
| "9. " "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 627,304
|`10. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|`11. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
- - -------------------->------------->------------->------------->------------->------------->------------->------------->-------------
- - -----------------------------#
|
#-------------#--------------|
| 10 | 11 |
| 1995 | 1996 |
|-------------|--------------|
| 508,339 | 486,771 |
| 111,419 | 103,490 |
| 129,181 | 119,736 |
| 169,140 | 136,269 |
| 208,111 | 160,849 |
| 214,859 | 163,002 |
| 194,118 | 136,532 |
| 227,142 | 145,180 |
| 382,906 | 247,158 |
| 592,048 | 382,315 |
| X X X | 660,691 |
>------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1A - HOMEOWNERS/FARMOWNERS
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | 81 | 0 | 31 | 0 | 55
`|`2.`1987` | 244,766 | 5,446 | 239,320 | 121,907 | 445 | 3,879 | 62 | 1,566
`|`3.`1988` | 228,323 | 4,737 | 223,586 | 120,902 | 12 | 4,140 | 66 | 2,367
`|`4.`1989` | 221,373 | 4,005 | 217,368 | 155,639 | 8,745 | 4,675 | 274 | 2,266
`|`5.`1990` | 221,970 | 6,038 | 215,932 | 134,367 | (49)| 6,397 | 51 | 1,618
`|`6.`1991` | 223,033 | 5,059 | 217,974 | 158,479 | 351 | 5,329 | 103 | 2,046
`|`7.`1992` | 205,577 | 9,150 | 196,427 | 251,252 | 73,420 | 5,968 | 2,692 | 1,374
`|`8.`1993` | 174,684 | 19,201 | 155,483 | 107,618 | 8,201 | 2,554 | 79 | 1,098
`|`9.`1994` | 165,494 | 31,054 | 134,440 | 131,015 | 11,016 | 1,810 | 79 | 751
`|10.`1995` | 164,830 | 15,154 | 149,676 | 95,222 | 3,817 | 1,329 | 32 | 641
`|11.`1996` | 173,031 | 15,882 | 157,149 | 113,784 | 3 | 641 | (3)| 212
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | 1,390,266 | 105,961 | 36,753 | 3,435 | 13,994
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 5 | 117 | X X X |
| 13,898 | 139,177 | 62,513 |
| 12,661 | 137,625 | 59,163 |
| 15,975 | 167,270 | 75,064 |
| 16,844 | 157,606 | 66,790 |
| 18,356 | 181,710 | 74,386 |
| 18,937 | 200,045 | 65,393 |
| 15,917 | 117,809 | 55,152 |
| 15,326 | 137,056 | 59,277 |
| 11,176 | 103,878 | 42,469 |
| 19,024 | 133,449 | 60,354 |
|--------------|--------------|--------------|
| 158,119 | 1,475,742 | X X X |
>-------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 420 | 5 | 120 | 0 | 0 | 0 | 517 | 8
`|`2.`1987` | 341 | 0 | 868 | 0 | 0 | 0 | 98 | 0
`|`3.`1988` | 335 | 0 | 406 | 0 | 0 | 0 | 166 | 1
`|`4.`1989` | 492 | 0 | 380 | 55 | 0 | 0 | 233 | 0
`|`5.`1990` | 686 | 0 | 324 | 0 | 0 | 0 | 410 | 0
`|`6.`1991` | 1,688 | 0 | 500 | 0 | 0 | 0 | 578 | 0
`|`7.`1992` | 2,673 | 177 | 511 | 0 | 0 | 0 | 445 | 0
`|`8.`1993` | 1,631 | 0 | 737 | 2 | 0 | 0 | 1,046 | 3
`|`9.`1994` | 3,974 | 62 | 885 | 5 | 0 | 0 | 1,768 | 17
`|10.`1995` | 5,851 | 210 | 2,283 | 15 | 0 | 0 | 2,043 | 22
`|11.`1996` | 25,775 | 9 | 10,617 | 506 | 0 | 0 | 2,623 | 164
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | 43,866 | 463 | 17,631 | 583 | 0 | 0 | 9,927 | 215
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 8 | 0 | 1,044 | 7 |
| 5 | 0 | 1,307 | 2 |
| 11 | 0 | 906 | 3 |
| 14 | 0 | 1,050 | 14 |
| 29 | 88 | 1,508 | 28 |
| 93 | 170 | 2,936 | 37 |
| 170 | 262 | 3,714 | 100 |
| 2 | 158 | 3,567 | 93 |
| 515 | 313 | 6,856 | 228 |
| 523 | 424 | 10,354 | 427 |
| 882 | 1,967 | 40,303 | 3,920 |
|--------------|--------------|--------------|-------------|
| 2,252 | 3,382 | 73,545 | 4,859 |
>-------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|`2.`1987` | 140,991 | 507 | 140,484 | 57.6 | 9.3 | 58.7 | 0 | 0
`|`3.`1988` | 138,610 | 79 | 138,531 | 60.7 | 1.7 | 62.0 | 0 | 0
`|`4.`1989` | 177,394 | 9,074 | 168,320 | 80.1 | 226.6 | 77.4 | 0 | 0
`|`5.`1990` | 159,116 | 2 | 159,114 | 71.7 | 0.0 | 73.7 | 0 | 0
`|`6.`1991` | 185,100 | 454 | 184,646 | 83.0 | 9.0 | 84.7 | 0 | 0
`|`7.`1992` | 280,048 | 76,289 | 203,759 | 136.2 | 833.8 | 103.7 | 0 | 0
`|`8.`1993` | 129,661 | 8,285 | 121,376 | 74.2 | 43.1 | 78.1 | 0 | 0
`|`9.`1994` | 155,091 | 11,179 | 143,912 | 93.7 | 36.0 | 107.0 | 0 | 0
`|10.`1995` | 118,328 | 4,096 | 114,232 | 71.8 | 27.0 | 76.3 | 0 | 0
`|11.`1996` | 174,431 | 679 | 173,752 | 100.8 | 4.3 | 110.6 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | 535 | 509 |
| 0.0 | 1,209 | 98 |
| 0.0 | 741 | 165 |
| 0.0 | 817 | 233 |
| 0.0 | 1,010 | 498 |
| 0.0 | 2,188 | 748 |
| 0.0 | 3,007 | 707 |
| 0.0 | 2,366 | 1,201 |
| 0.0 | 4,792 | 2,064 |
| 0.0 | 7,909 | 2,445 |
| 0.0 | 35,877 | 4,426 |
|--------------|--------------|--------------|
| X X X | 60,451 | 13,094 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1B - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | 4,161 | 1,923 | 239 | 4 | 143
`|`2.`1987` | 389,845 | 37,384 | 352,461 | 332,122 | 38,177 | 15,889 | 1,142 | 5,883
`|`3.`1988` | 405,014 | 56,013 | 349,001 | 335,049 | 48,489 | 17,134 | 1,620 | 6,589
`|`4.`1989` | 428,138 | 61,598 | 366,540 | 355,151 | 51,363 | 17,974 | 2,165 | 7,366
`|`5.`1990` | 453,815 | 58,201 | 395,614 | 340,595 | 45,214 | 19,423 | 2,038 | 9,168
`|`6.`1991` | 469,417 | 27,612 | 441,805 | 325,136 | 17,094 | 22,973 | 962 | 8,127
`|`7.`1992` | 398,904 | 11,344 | 387,560 | 240,512 | 5,878 | 16,144 | 198 | 7,533
`|`8.`1993` | 376,998 | 8,869 | 368,129 | 221,236 | 6,656 | 13,483 | 140 | 5,211
`|`9.`1994` | 314,647 | 5,153 | 309,494 | 188,179 | 3,195 | 8,866 | 67 | 4,606
`|10.`1995` | 301,998 | 3,878 | 298,120 | 148,200 | 1,634 | 4,567 | 30 | 2,020
`|11.`1996` | 292,492 | 4,317 | 288,175 | 71,315 | 806 | 1,239 | 5 | 1,054
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | 2,561,656 | 220,429 | 137,931 | 8,371 | 57,700
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 161 | 2,634 | X X X |
| 15,718 | 324,410 | 135,774 |
| 13,246 | 315,320 | 129,126 |
| 15,527 | 335,124 | 128,615 |
| 19,302 | 332,068 | 120,928 |
| 25,112 | 355,165 | 111,367 |
| 29,502 | 280,082 | 94,234 |
| 25,393 | 253,316 | 80,357 |
| 20,912 | 214,695 | 75,523 |
| 20,002 | 171,105 | 71,984 |
| 14,788 | 86,531 | 62,698 |
|--------------|--------------|--------------|
| 199,663 | 2,670,450 | X X X |
- - --------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 24,318 | 11,938 | 3,411 | 38 | 0 | 0 | 2,246 | 426
`|`2.`1987` | 336 | 136 | 1,640 | 26 | 0 | 0 | 221 | 6
`|`3.`1988` | 611 | 33 | 1,874 | 94 | 0 | 0 | 378 | 24
`|`4.`1989` | 2,760 | 348 | 705 | 108 | 0 | 0 | 492 | 60
`|`5.`1990` | 4,133 | 321 | 2,026 | 123 | 0 | 0 | 1,024 | 69
`|`6.`1991` | 5,892 | 163 | 2,084 | 78 | 4 | 0 | 1,604 | 63
`|`7.`1992` | 10,156 | 531 | 1,715 | 34 | 69 | 5 | 2,322 | 28
`|`8.`1993` | 19,008 | 166 | 2,139 | 44 | 281 | 9 | 3,140 | 36
`|`9.`1994` | 31,010 | 1,259 | 10,417 | 154 | 820 | 0 | 5,743 | 208
`|10.`1995` | 49,792 | 406 | 19,865 | 139 | 1,575 | 1 | 7,826 | 84
`|11.`1996` | 77,279 | 526 | 48,569 | 420 | 1,903 | 0 | 9,825 | 59
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | 225,295 | 15,827 | 94,445 | 1,258 | 4,652 | 15 | 34,821 | 1,063
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| (3)| 1,051 | 18,624 | 163 |
| 13 | 90 | 2,119 | 16 |
| 43 | 115 | 2,827 | 28 |
| 93 | 130 | 3,571 | 53 |
| 144 | 243 | 6,913 | 117 |
| 247 | 303 | 9,583 | 272 |
| 391 | 411 | 14,075 | 478 |
| 549 | 779 | 25,092 | 857 |
| 879 | 1,601 | 47,970 | 1,661 |
| 1,140 | 2,996 | 81,424 | 3,501 |
| 2,024 | 7,461 | 144,032 | 13,115 |
|--------------|--------------|--------------|-------------|
| 5,520 | 15,180 | 356,230 | 20,261 |
- - --------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|`2.`1987` | 366,016 | 39,487 | 326,529 | 93.9 | 105.6 | 92.6 | 0 | 0
`|`3.`1988` | 368,407 | 50,260 | 318,147 | 91.0 | 89.7 | 91.2 | 0 | 0
`|`4.`1989` | 392,739 | 54,044 | 338,695 | 91.7 | 87.7 | 92.4 | 0 | 0
`|`5.`1990` | 386,746 | 47,765 | 338,981 | 85.2 | 82.1 | 85.7 | 0 | 0
`|`6.`1991` | 383,108 | 18,360 | 364,748 | 81.6 | 66.5 | 82.6 | 0 | 0
`|`7.`1992` | 300,831 | 6,674 | 294,157 | 75.4 | 58.8 | 75.9 | 0 | 0
`|`8.`1993` | 285,459 | 7,051 | 278,408 | 75.7 | 79.5 | 75.6 | 0 | 0
`|`9.`1994` | 267,548 | 4,883 | 262,665 | 85.0 | 94.8 | 84.9 | 0 | 0
`|10.`1995` | 254,823 | 2,294 | 252,529 | 84.4 | 59.2 | 84.7 | 0 | 0
`|11.`1996` | 232,379 | 1,816 | 230,563 | 79.4 | 42.1 | 80.0 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | 15,753 | 2,871 |
| 0.0 | 1,814 | 305 |
| 0.0 | 2,358 | 469 |
| 0.0 | 3,009 | 562 |
| 0.0 | 5,715 | 1,198 |
| 0.0 | 7,735 | 1,848 |
| 0.0 | 11,306 | 2,769 |
| 0.0 | 20,937 | 4,155 |
| 0.0 | 40,014 | 7,956 |
| 0.0 | 69,112 | 12,312 |
| 0.0 | 124,902 | 19,130 |
|--------------|--------------|--------------|
| X X X | 302,655 | 53,575 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | 2,772 | 1,609 | 363 | 8 | 27
`|`2.`1987` | 504,537 | 27,137 | 477,400 | 300,509 | 26,297 | 26,180 | 1,697 | 3,504
`|`3.`1988` | 461,137 | 39,793 | 421,344 | 295,559 | 35,389 | 24,910 | 2,762 | 4,819
`|`4.`1989` | 424,658 | 43,290 | 381,368 | 287,970 | 39,574 | 24,032 | 3,868 | 3,138
`|`5.`1990` | 419,676 | 42,802 | 376,874 | 264,650 | 37,375 | 24,270 | 3,538 | 3,867
`|`6.`1991` | 385,326 | 39,874 | 345,452 | 214,164 | 21,634 | 20,386 | 2,621 | 2,938
`|`7.`1992` | 323,014 | 39,044 | 283,970 | 182,821 | 24,569 | 17,759 | 2,336 | 2,782
`|`8.`1993` | 266,252 | 30,643 | 235,609 | 129,440 | 17,223 | 11,666 | 1,525 | 2,311
`|`9.`1994` | 241,837 | 29,388 | 212,449 | 106,632 | 14,774 | 7,875 | 988 | 1,807
`|10.`1995` | 225,516 | 29,036 | 196,480 | 73,957 | 10,255 | 4,014 | 239 | 1,619
`|11.`1996` | 231,907 | 35,233 | 196,674 | 30,213 | 2,865 | 1,625 | 67 | 1,152
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | 1,888,687 | 231,564 | 163,080 | 19,649 | 27,964
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 87 | 1,605 | X X X |
| 12,804 | 311,499 | 73,871 |
| 13,454 | 295,772 | 66,873 |
| 12,944 | 281,504 | 61,520 |
| 13,860 | 261,867 | 56,624 |
| 13,705 | 224,000 | 47,008 |
| 15,360 | 189,035 | 41,017 |
| 13,306 | 135,664 | 34,165 |
| 10,732 | 109,477 | 31,635 |
| 8,140 | 75,617 | 26,527 |
| 7,413 | 36,319 | 24,618 |
|--------------|--------------|--------------|
| 121,805 | 1,922,359 | X X X |
>-------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 7,300 | 4,250 | 474 | 7 | 0 | 0 | 1,401 | 17
`|`2.`1987` | 1,437 | 0 | 1,352 | 5 | 0 | 0 | 295 | 0
`|`3.`1988` | 2,221 | 125 | 975 | 18 | 0 | 0 | 607 | 51
`|`4.`1989` | 2,783 | 565 | 1,049 | 21 | 0 | 0 | 789 | 168
`|`5.`1990` | 6,859 | 927 | 1,337 | 65 | 0 | 0 | 2,375 | 493
`|`6.`1991` | 5,147 | 527 | 2,060 | 149 | 0 | 0 | 2,361 | 324
`|`7.`1992` | 13,834 | 2,477 | 2,997 | 208 | 0 | 0 | 3,097 | 598
`|`8.`1993` | 17,977 | 2,639 | 5,146 | 415 | 26 | 0 | 4,494 | 831
`|`9.`1994` | 32,990 | 3,102 | 10,661 | 824 | 113 | 0 | 6,746 | 772
`|10.`1995` | 46,391 | 7,016 | 31,510 | 2,792 | 166 | 13 | 9,096 | 972
`|11.`1996` | 48,883 | 6,245 | 72,924 | 11,711 | 50 | 20 | 10,834 | (162)
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | 185,822 | 27,873 | 130,485 | 16,215 | 355 | 33 | 42,095 | 4,064
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 88 | 1 | 4,902 | 55 |
| 10 | 15 | 3,094 | 24 |
| 24 | 29 | 3,638 | 56 |
| 52 | 75 | 3,942 | 43 |
| 107 | 149 | 9,235 | 122 |
| 130 | 110 | 8,678 | 168 |
| 111 | 311 | 16,956 | 366 |
| 5 | 447 | 24,205 | 528 |
| 183 | 1,070 | 46,882 | 1,031 |
| 480 | 1,796 | 78,166 | 1,522 |
| 833 | 4,663 | 119,540 | 4,976 |
|--------------|--------------|--------------|-------------|
| 2,023 | 8,666 | 319,238 | 8,891 |
>-------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|`2.`1987` | 342,592 | 27,999 | 314,593 | 67.9 | 103.2 | 65.9 | 0 | 0
`|`3.`1988` | 337,755 | 38,345 | 299,410 | 73.2 | 96.4 | 71.1 | 0 | 0
`|`4.`1989` | 329,642 | 44,196 | 285,446 | 77.6 | 102.1 | 74.8 | 0 | 0
`|`5.`1990` | 313,500 | 42,398 | 271,102 | 74.7 | 99.1 | 71.9 | 0 | 0
`|`6.`1991` | 257,933 | 25,255 | 232,678 | 66.9 | 63.3 | 67.4 | 0 | 0
`|`7.`1992` | 236,179 | 30,188 | 205,991 | 73.1 | 77.3 | 72.5 | 0 | 0
`|`8.`1993` | 182,502 | 22,633 | 159,869 | 68.5 | 73.9 | 67.9 | 0 | 0
`|`9.`1994` | 176,819 | 20,460 | 156,359 | 73.1 | 69.6 | 73.6 | 0 | 0
`|10.`1995` | 175,070 | 21,287 | 153,783 | 77.6 | 73.3 | 78.3 | 0 | 0
`|11.`1996` | 176,605 | 20,746 | 155,859 | 76.2 | 58.9 | 79.2 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | 3,517 | 1,385 |
| 0.0 | 2,784 | 310 |
| 0.0 | 3,053 | 585 |
| 0.0 | 3,246 | 696 |
| 0.0 | 7,204 | 2,031 |
| 0.0 | 6,531 | 2,147 |
| 0.0 | 14,146 | 2,810 |
| 0.0 | 20,069 | 4,136 |
| 0.0 | 39,725 | 7,157 |
| 0.0 | 68,093 | 10,073 |
| 0.0 | 103,851 | 15,689 |
|--------------|--------------|--------------|
| X X X | 272,219 | 47,019 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1D - WORKERS' COMPENSATION
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | 50,091 | 14,024 | 2,289 | 17 | 2,001
`|`2.`1987` | 622,801 | 81,301 | 541,500 | 588,166 | 127,803 | 24,455 | 391 | 19,752
`|`3.`1988` | 747,889 | 111,269 | 636,620 | 624,619 | 129,542 | 28,142 | 259 | 20,135
`|`4.`1989` | 791,969 | 158,717 | 633,252 | 680,827 | 150,056 | 31,932 | 319 | 20,405
`|`5.`1990` | 883,078 | 188,951 | 694,127 | 621,652 | 174,867 | 31,823 | 422 | 17,362
`|`6.`1991` | 754,958 | 251,311 | 503,647 | 495,726 | 181,508 | 27,845 | 420 | 10,968
`|`7.`1992` | 625,431 | 305,456 | 319,975 | 371,925 | 178,253 | 23,249 | 198 | 4,831
`|`8.`1993` | 457,088 | 306,269 | 150,819 | 218,562 | 140,570 | 16,704 | 166 | 1,519
`|`9.`1994` | 352,311 | 224,832 | 127,479 | 148,326 | 85,099 | 10,965 | 56 | 1,391
`|10.`1995` | 310,550 | 136,719 | 173,831 | 92,650 | 39,233 | 7,434 | 0 | 1,093
`|11.`1996` | 291,660 | 109,680 | 181,980 | 42,921 | 10,988 | 2,791 | 45 | 582
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | 3,935,465 | 1,231,943 | 207,629 | 2,293 | 100,039
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 3,294 | 41,633 | X X X |
| 10,391 | 494,818 | 44,078 |
| 14,261 | 537,221 | 47,393 |
| 14,422 | 576,806 | 50,003 |
| 14,908 | 493,094 | 46,923 |
| 16,439 | 358,082 | 41,398 |
| (4,856)| 211,867 | 32,989 |
| (11,529)| 83,001 | 22,408 |
| (2,950)| 71,186 | 17,896 |
| 7,085 | 67,936 | 13,773 |
| 8,560 | 43,239 | 10,284 |
|--------------|--------------|--------------|
| 70,025 | 2,978,883 | X X X |
>-------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 453,860 | 106,195 | 256,643 | 26,576 | 0 | 0 | 18,395 | 496
`|`2.`1987` | 58,920 | 13,242 | 62,843 | 16,446 | 0 | 0 | 3,062 | 86
`|`3.`1988` | 57,487 | 3,430 | 81,116 | 27,244 | 0 | 0 | 3,576 | 55
`|`4.`1989` | 75,456 | 16,696 | 90,717 | 27,236 | 0 | 0 | 4,272 | 107
`|`5.`1990` | 78,564 | 22,269 | 101,231 | 34,678 | 0 | 0 | 5,149 | 108
`|`6.`1991` | 64,326 | 18,299 | 99,704 | 47,322 | 0 | 0 | 4,737 | 64
`|`7.`1992` | 53,913 | 24,960 | 133,427 | 96,112 | 0 | 0 | 4,119 | 53
`|`8.`1993` | 44,063 | 25,828 | 136,836 | 116,062 | 0 | 0 | 3,096 | 52
`|`9.`1994` | 43,492 | 23,401 | 120,867 | 96,955 | 0 | 0 | 3,764 | 16
`|10.`1995` | 59,734 | 27,560 | 98,427 | 61,765 | 2 | 0 | 4,268 | 77
`|11.`1996` | 75,361 | 23,950 | 112,789 | 55,561 | 0 | 0 | 9,255 | 2,062
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | 1,065,176 | 305,830 | 1,294,600 | 605,957 | 2 | 0 | 63,693 | 3,176
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 9,026 | 14,091 | 609,722 | 2,897 |
| 1,859 | 2,602 | 97,653 | 287 |
| 2,574 | 2,859 | 114,309 | 372 |
| 3,156 | 3,582 | 129,988 | 480 |
| 3,427 | 3,741 | 131,630 | 612 |
| 2,918 | 3,047 | 106,129 | 757 |
| 2,077 | 2,822 | 73,156 | 859 |
| 1,168 | 2,064 | 44,117 | 829 |
| 1,244 | 2,130 | 49,881 | 1,192 |
| 1,697 | 2,947 | 75,977 | 2,104 |
| 1,408 | 6,548 | 122,380 | 5,484 |
|--------------|--------------|--------------|-------------|
| 30,554 | 46,433 | 1,554,942 | 15,873 |
>-------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 95,561 | 6,741
`|`2.`1987` | 750,439 | 157,968 | 592,471 | 120.5 | 194.3 | 109.4 | 11,714 | 1,350
`|`3.`1988` | 812,060 | 160,530 | 651,530 | 108.6 | 144.3 | 102.3 | 13,958 | 1,494
`|`4.`1989` | 901,208 | 194,414 | 706,794 | 113.8 | 122.5 | 111.6 | 15,803 | 1,785
`|`5.`1990` | 857,068 | 232,344 | 624,724 | 97.1 | 123.0 | 90.0 | 15,316 | 1,860
`|`6.`1991` | 711,824 | 247,613 | 464,211 | 94.3 | 98.5 | 92.2 | 12,321 | 1,586
`|`7.`1992` | 584,599 | 299,576 | 285,023 | 93.5 | 98.1 | 89.1 | 7,066 | 1,312
`|`8.`1993` | 409,796 | 282,678 | 127,118 | 89.7 | 92.3 | 84.3 | 4,641 | 969
`|`9.`1994` | 326,594 | 205,527 | 121,067 | 92.7 | 91.4 | 95.0 | 4,921 | 952
`|10.`1995` | 272,548 | 128,635 | 143,913 | 87.8 | 94.1 | 82.8 | 6,866 | 1,070
`|11.`1996` | 258,225 | 92,606 | 165,619 | 88.5 | 84.4 | 91.0 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 188,167 | 19,119
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | 482,171 | 25,249 |
| 0.0 | 80,361 | 4,228 |
| 0.0 | 93,971 | 4,886 |
| 0.0 | 106,438 | 5,962 |
| 0.0 | 107,532 | 6,922 |
| 0.0 | 86,088 | 6,134 |
| 0.0 | 59,202 | 5,576 |
| 0.0 | 34,368 | 4,139 |
| 0.0 | 39,082 | 4,926 |
| 0.0 | 61,970 | 6,071 |
| 0.0 | 108,639 | 13,741 |
|--------------|--------------|--------------|
| X X X | 1,259,822 | 87,834 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1E - COMMERCIAL MULTIPLE PERIL
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | 3,566 | (1)| 1,676 | 0 | 68
`|`2.`1987` | 387,310 | 18,374 | 368,936 | 158,947 | 590 | 27,337 | 102 | 5,577
`|`3.`1988` | 650,932 | 26,143 | 624,789 | 252,767 | 6,281 | 46,440 | 129 | 12,173
`|`4.`1989` | 738,672 | 18,418 | 720,254 | 342,146 | 20,718 | 52,955 | 365 | 10,877
`|`5.`1990` | 731,950 | 13,795 | 718,155 | 327,411 | 5,539 | 68,624 | 359 | 11,538
`|`6.`1991` | 674,236 | 4,649 | 669,587 | 279,214 | 7,439 | 51,419 | 517 | 8,792
`|`7.`1992` | 608,782 | 4,166 | 604,616 | 292,090 | 45,073 | 49,242 | 3,456 | 7,212
`|`8.`1993` | 601,390 | 5,796 | 595,594 | 242,907 | 10,081 | 31,334 | 243 | 6,336
`|`9.`1994` | 636,937 | 5,964 | 630,973 | 245,372 | 6,114 | 22,452 | 513 | 9,554
`|10.`1995` | 658,826 | 6,298 | 652,528 | 217,761 | 16,611 | 8,783 | 228 | 6,576
`|11.`1996` | 720,065 | 7,052 | 713,013 | 156,427 | 437 | 2,497 | (1)| 4,236
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | 2,518,608 | 118,882 | 362,759 | 5,911 | 82,939
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 239 | 5,482 | X X X |
| 13,589 | 199,181 | 33,865 |
| 28,663 | 321,460 | 59,755 |
| 36,340 | 410,358 | 79,855 |
| 37,509 | 427,646 | 78,917 |
| 34,156 | 356,833 | 75,102 |
| 38,386 | 331,189 | 69,451 |
| 38,342 | 302,259 | 74,518 |
| 32,638 | 293,835 | 82,950 |
| 33,099 | 242,804 | 77,843 |
| 28,539 | 187,027 | 78,657 |
|--------------|--------------|--------------|
| 321,500 | 3,078,074 | X X X |
>-------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 6,948 | 8 | 2,843 | 1 | 0 | 0 | 10,194 | 1
`|`2.`1987` | 3,314 | 0 | 1,604 | 0 | 0 | 0 | 3,936 | 0
`|`3.`1988` | 8,680 | 0 | 8,165 | 1 | 0 | 0 | 11,126 | 1
`|`4.`1989` | 9,130 | 3 | 11,183 | 16 | 0 | 0 | 16,078 | 1
`|`5.`1990` | 14,357 | 2 | 16,622 | 2 | 0 | 0 | 24,279 | 2
`|`6.`1991` | 26,450 | 9 | 22,440 | 1 | 0 | 0 | 28,173 | 2
`|`7.`1992` | 39,516 | 151 | 18,843 | 2 | 0 | 0 | 29,237 | 1
`|`8.`1993` | 44,530 | 0 | 26,627 | 5 | 0 | 0 | 36,836 | 8
`|`9.`1994` | 58,899 | 338 | 43,129 | 6 | 0 | 0 | 51,666 | 6
`|10.`1995` | 68,094 | 1,598 | 82,881 | 11 | 0 | 0 | 64,213 | 19
`|11.`1996` | 118,377 | 6,277 | 148,081 | 143 | 0 | 0 | 77,844 | 72
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | 398,295 | 8,386 | 382,418 | 188 | 0 | 0 | 353,582 | 113
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 101 | 1,260 | 21,235 | 214 |
| 69 | 557 | 9,411 | 52 |
| 171 | 1,896 | 29,865 | 153 |
| 611 | 2,409 | 38,780 | 203 |
| 805 | 2,968 | 58,220 | 382 |
| 1,020 | 4,603 | 81,654 | 538 |
| 1,244 | 4,926 | 92,368 | 856 |
| 1,879 | 5,362 | 113,342 | 1,397 |
| 3,262 | 7,177 | 160,521 | 2,434 |
| 3,670 | 10,216 | 223,776 | 3,902 |
| 3,639 | 18,413 | 356,223 | 12,898 |
|--------------|--------------|--------------|-------------|
| 16,471 | 59,787 | 1,185,395 | 23,029 |
>-------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|`2.`1987` | 209,284 | 692 | 208,592 | 54.0 | 3.8 | 56.5 | 0 | 0
`|`3.`1988` | 357,737 | 6,412 | 351,325 | 55.0 | 24.5 | 56.2 | 0 | 0
`|`4.`1989` | 470,241 | 21,103 | 449,138 | 63.7 | 114.6 | 62.4 | 0 | 0
`|`5.`1990` | 491,770 | 5,904 | 485,866 | 67.2 | 42.8 | 67.7 | 0 | 0
`|`6.`1991` | 446,455 | 7,968 | 438,487 | 66.2 | 171.4 | 65.5 | 0 | 0
`|`7.`1992` | 472,240 | 48,683 | 423,557 | 77.6 | 1,168.6 | 70.1 | 0 | 0
`|`8.`1993` | 425,938 | 10,337 | 415,601 | 70.8 | 178.3 | 69.8 | 0 | 0
`|`9.`1994` | 461,333 | 6,977 | 454,356 | 72.4 | 117.0 | 72.0 | 0 | 0
`|10.`1995` | 485,047 | 18,467 | 466,580 | 73.6 | 293.2 | 71.5 | 0 | 0
`|11.`1996` | 550,178 | 6,928 | 543,250 | 76.4 | 98.2 | 76.2 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | 9,782 | 11,453 |
| 0.0 | 4,918 | 4,493 |
| 0.0 | 16,844 | 13,021 |
| 0.0 | 20,294 | 18,486 |
| 0.0 | 30,975 | 27,245 |
| 0.0 | 48,880 | 32,774 |
| 0.0 | 58,206 | 34,162 |
| 0.0 | 71,152 | 42,190 |
| 0.0 | 101,684 | 58,837 |
| 0.0 | 149,366 | 74,410 |
| 0.0 | 260,038 | 96,185 |
|--------------|--------------|--------------|
| X X X | 772,139 | 413,256 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1F - SECTION 1 - MEDICAL MALPRACTICE - OCCURRENCE
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | 1,344 | 0 | 491 | 0 | 81
`|`2.`1987` | 660 | 0 | 660 | 9 | 0 | 8 | 0 | 0
`|`3.`1988` | 548 | 0 | 548 | 143 | 0 | 33 | 0 | 0
`|`4.`1989` | 88 | 0 | 88 | 140 | 0 | 27 | 0 | 0
`|`5.`1990` | 84 | 0 | 84 | 377 | 0 | 51 | 0 | 0
`|`6.`1991` | 56 | 0 | 56 | 113 | 0 | 20 | 0 | 0
`|`7.`1992` | 60 | 0 | 60 | 1 | 0 | 14 | 0 | 0
`|`8.`1993` | 1 | 0 | 1 | 0 | 0 | 0 | 0 | 0
`|`9.`1994` | 1 | 0 | 1 | 0 | 0 | 0 | 0 | 0
`|10.`1995` | 17 | 11 | 6 | 0 | 0 | 0 | 0 | 0
`|11.`1996` | 52 | 35 | 17 | 0 | 0 | 0 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | 2,127 | 0 | 644 | 0 | 81
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 73 | 1,908 | X X X |
| 78 | 95 | 5 |
| 15 | 191 | 4 |
| 8 | 175 | 4 |
| 10 | 438 | 4 |
| 10 | 143 | 1 |
| 8 | 23 | 0 |
| 0 | 0 | 1 |
| 0 | 0 | 0 |
| 0 | 0 | 0 |
| 0 | 0 | 0 |
|--------------|--------------|--------------|
| 202 | 2,973 | X X X |
>-------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 1,492 | 0 | 584 | 0 | 0 | 0 | 808 | 0
`|`2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`3.`1988` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`4.`1989` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`5.`1990` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`6.`1991` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`7.`1992` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`8.`1993` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`9.`1994` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|10.`1995` | 0 | 0 | 13 | 9 | 0 | 0 | 1 | 1
`|11.`1996` | 0 | 0 | 37 | 25 | 0 | 0 | 2 | 1
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | 1,492 | 0 | 634 | 34 | 0 | 0 | 811 | 2
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 0 | 260 | 3,144 | 79 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 4 | 0 |
| 0 | 0 | 13 | 0 |
|--------------|--------------|--------------|-------------|
| 0 | 260 | 3,161 | 79 |
>-------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|`2.`1987` | 95 | 0 | 95 | 14.4 | 0.0 | 14.4 | 0 | 0
`|`3.`1988` | 191 | 0 | 191 | 34.9 | 0.0 | 34.9 | 0 | 0
`|`4.`1989` | 175 | 0 | 175 | 198.9 | 0.0 | 198.9 | 0 | 0
`|`5.`1990` | 438 | 0 | 438 | 521.4 | 0.0 | 521.4 | 0 | 0
`|`6.`1991` | 143 | 0 | 143 | 255.4 | 0.0 | 255.4 | 0 | 0
`|`7.`1992` | 23 | 0 | 23 | 38.3 | 0.0 | 38.3 | 0 | 0
`|`8.`1993` | 0 | 0 | 0 | 0.0 | 0.0 | 0.0 | 0 | 0
`|`9.`1994` | 0 | 0 | 0 | 0.0 | 0.0 | 0.0 | 0 | 0
`|10.`1995` | 14 | 10 | 4 | 82.4 | 90.9 | 66.7 | 0 | 0
`|11.`1996` | 39 | 26 | 13 | 75.0 | 74.3 | 76.5 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | 2,076 | 1,068 |
| 0.0 | 0 | 0 |
| 0.0 | 0 | 0 |
| 0.0 | 0 | 0 |
| 0.0 | 0 | 0 |
| 0.0 | 0 | 0 |
| 0.0 | 0 | 0 |
| 0.0 | 0 | 0 |
| 0.0 | 0 | 0 |
| 0.0 | 4 | 0 |
| 0.0 | 12 | 1 |
|--------------|--------------|--------------|
| X X X | 2,092 | 1,069 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1F - SECTION 2 - MEDICAL MALPRACTICE - CLAIMS-MADE
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|`2.`1987` | 117 | 0 | 117 | 19 | 0 | 5 | 0 | 0
`|`3.`1988` | 219 | 0 | 219 | 174 | 0 | 45 | 0 | 0
`|`4.`1989` | 228 | 0 | 228 | 203 | 0 | 54 | 0 | 0
`|`5.`1990` | 256 | 0 | 256 | 230 | 0 | 35 | 0 | 0
`|`6.`1991` | 299 | 0 | 299 | 1 | 0 | 14 | 0 | 0
`|`7.`1992` | 255 | 0 | 255 | 16 | 0 | 22 | 0 | 0
`|`8.`1993` | 66 | 0 | 66 | 0 | 0 | 0 | 0 | 0
`|`9.`1994` | (2)| 0 | (2)| 0 | 0 | 0 | 0 | 0
`|10.`1995` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|11.`1996` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | 643 | 0 | 175 | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 0 | 0 | X X X |
| 0 | 24 | 0 |
| 0 | 219 | 0 |
| 0 | 257 | 2 |
| 0 | 265 | 0 |
| 0 | 15 | 0 |
| 0 | 38 | 0 |
| 0 | 0 | 0 |
| 0 | 0 | 0 |
| 0 | 0 | 0 |
| 0 | 0 | 0 |
|--------------|--------------|--------------|
| 0 | 818 | X X X |
>-------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`2.`1987` | 0 | 0 | 64 | 0 | 0 | 0 | 0 | 0
`|`3.`1988` | 162 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`4.`1989` | 50 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`5.`1990` | 36 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`6.`1991` | 2 | 0 | 122 | 0 | 0 | 0 | 0 | 0
`|`7.`1992` | 72 | 0 | 65 | 0 | 0 | 0 | 0 | 0
`|`8.`1993` | 1 | 0 | 48 | 0 | 0 | 0 | 0 | 0
`|`9.`1994` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|10.`1995` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|11.`1996` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | 323 | 0 | 299 | 0 | 0 | 0 | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 64 | 0 |
| 0 | 0 | 162 | 0 |
| 0 | 0 | 50 | 0 |
| 0 | 0 | 36 | 0 |
| 0 | 0 | 124 | 0 |
| 0 | 0 | 137 | 0 |
| 0 | 0 | 49 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
|--------------|--------------|--------------|-------------|
| 0 | 0 | 622 | 0 |
>-------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|`2.`1987` | 88 | 0 | 88 | 75.2 | 0.0 | 75.2 | 0 | 0
`|`3.`1988` | 381 | 0 | 381 | 174.0 | 0.0 | 174.0 | 0 | 0
`|`4.`1989` | 307 | 0 | 307 | 134.6 | 0.0 | 134.6 | 0 | 0
`|`5.`1990` | 301 | 0 | 301 | 117.6 | 0.0 | 117.6 | 0 | 0
`|`6.`1991` | 139 | 0 | 139 | 46.5 | 0.0 | 46.5 | 0 | 0
`|`7.`1992` | 175 | 0 | 175 | 68.6 | 0.0 | 68.6 | 0 | 0
`|`8.`1993` | 49 | 0 | 49 | 74.2 | 0.0 | 74.2 | 0 | 0
`|`9.`1994` | 0 | 0 | 0 | 0.0 | 0.0 | 0.0 | 0 | 0
`|10.`1995` | 0 | 0 | 0 | 0.0 | 0.0 | 0.0 | 0 | 0
`|11.`1996` | 0 | 0 | 0 | 0.0 | 0.0 | 0.0 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | 0 | 0 |
| 0.0 | 64 | 0 |
| 0.0 | 162 | 0 |
| 0.0 | 50 | 0 |
| 0.0 | 36 | 0 |
| 0.0 | 124 | 0 |
| 0.0 | 137 | 0 |
| 0.0 | 49 | 0 |
| 0.0 | 0 | 0 |
| 0.0 | 0 | 0 |
| 0.0 | 0 | 0 |
|--------------|--------------|--------------|
| X X X | 622 | 0 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1G - SPECIAL LIABILITY (OCEAN MARINE,
AIRCRAFT (ALL PERILS), BOILER AND MACHINERY)
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | 467 | 454 | 43 | 33 | 0
`|`2.`1987` | 123,309 | 70,752 | 52,557 | 69,491 | 42,013 | 6,339 | 4,118 | 1,105
`|`3.`1988` | 103,314 | 60,212 | 43,102 | 74,373 | 51,419 | 5,889 | 4,551 | 242
`|`4.`1989` | 69,557 | 42,615 | 26,942 | 52,318 | 30,879 | 4,524 | 2,783 | 867
`|`5.`1990` | 63,446 | 36,143 | 27,303 | 50,441 | 32,073 | 4,751 | 3,344 | 150
`|`6.`1991` | 42,600 | 31,190 | 11,410 | 50,868 | 34,129 | 4,412 | 3,158 | 224
`|`7.`1992` | 41,705 | 26,430 | 15,275 | 27,186 | 16,670 | 2,815 | 1,785 | 116
`|`8.`1993` | 49,332 | 34,173 | 15,159 | 22,223 | 12,469 | 2,403 | 1,520 | 151
`|`9.`1994` | 55,171 | 32,328 | 22,843 | 26,619 | 10,928 | 1,801 | 1,353 | 65
`|10.`1995` | 37,114 | 16,287 | 20,827 | 7,496 | 541 | 519 | 296 | 8
`|11.`1996` | 33,556 | 10,990 | 22,566 | 4,319 | 438 | 231 | 75 | 2
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | 385,801 | 232,013 | 33,727 | 23,016 | 2,930
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 0 | 23 | X X X |
| 89 | 29,788 | X X X |
| 72 | 24,364 | X X X |
| 73 | 23,253 | X X X |
| 92 | 19,867 | X X X |
| 77 | 18,070 | X X X |
| 97 | 11,643 | X X X |
| 240 | 10,877 | X X X |
| 32 | 16,171 | X X X |
| 7 | 7,185 | X X X |
| 5 | 4,042 | X X X |
|--------------|--------------|--------------|
| 784 | 165,283 | X X X |
>-------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 2,137 | 1,212 | 220 | 5 | 0 | 0 | 125 | 106
`|`2.`1987` | 516 | 180 | 530 | 6 | 0 | 0 | 140 | 37
`|`3.`1988` | 1,844 | 1,254 | 621 | 11 | 0 | 0 | 238 | 224
`|`4.`1989` | 948 | 397 | 429 | 19 | 0 | 0 | 109 | 65
`|`5.`1990` | 735 | 334 | 188 | 14 | 0 | 0 | 93 | 68
`|`6.`1991` | 1,030 | 690 | 110 | 36 | 0 | 0 | 174 | 128
`|`7.`1992` | 448 | 267 | (67)| 17 | 0 | 0 | 100 | 46
`|`8.`1993` | 2,460 | 1,348 | 178 | 66 | 0 | 0 | 298 | 195
`|`9.`1994` | 3,797 | 1,996 | 839 | 121 | 0 | 0 | 420 | 312
`|10.`1995` | 6,874 | 2,189 | 3,245 | 99 | 0 | 0 | 466 | 312
`|11.`1996` | 7,614 | 1,052 | 7,144 | 56 | 0 | 0 | 148 | 143
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | 28,403 | 10,919 | 13,437 | 450 | 0 | 0 | 2,311 | 1,636
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 0 | 0 | 1,159 | 0 |
| 0 | 0 | 963 | 0 |
| 0 | 0 | 1,214 | 1 |
| 0 | 0 | 1,005 | 1 |
| 0 | 0 | 600 | 3 |
| 0 | 0 | 460 | 0 |
| 0 | 0 | 151 | 3 |
| 0 | 2 | 1,329 | 8 |
| 0 | 0 | 2,627 | 1 |
| 0 | 0 | 7,985 | 0 |
| 0 | 1 | 13,656 | 4 |
|--------------|--------------|--------------|-------------|
| 0 | 3 | 31,149 | 21 |
>-------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|`2.`1987` | 77,105 | 46,354 | 30,751 | 62.5 | 65.5 | 58.5 | 0 | 0
`|`3.`1988` | 83,037 | 57,459 | 25,578 | 80.4 | 95.4 | 59.3 | 0 | 0
`|`4.`1989` | 58,401 | 34,143 | 24,258 | 84.0 | 80.1 | 90.0 | 0 | 0
`|`5.`1990` | 56,300 | 35,833 | 20,467 | 88.7 | 99.1 | 75.0 | 0 | 0
`|`6.`1991` | 56,671 | 38,141 | 18,530 | 133.0 | 122.3 | 162.4 | 0 | 0
`|`7.`1992` | 30,579 | 18,785 | 11,794 | 73.3 | 71.1 | 77.2 | 0 | 0
`|`8.`1993` | 27,804 | 15,598 | 12,206 | 56.4 | 45.6 | 80.5 | 0 | 0
`|`9.`1994` | 33,508 | 14,710 | 18,798 | 60.7 | 45.5 | 82.3 | 0 | 0
`|10.`1995` | 18,607 | 3,437 | 15,170 | 50.1 | 21.1 | 72.8 | 0 | 0
`|11.`1996` | 19,462 | 1,764 | 17,698 | 58.0 | 16.1 | 78.4 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | 1,140 | 19 |
| 0.0 | 860 | 103 |
| 0.0 | 1,200 | 14 |
| 0.0 | 961 | 44 |
| 0.0 | 575 | 25 |
| 0.0 | 414 | 46 |
| 0.0 | 97 | 54 |
| 0.0 | 1,224 | 105 |
| 0.0 | 2,519 | 108 |
| 0.0 | 7,831 | 154 |
| 0.0 | 13,650 | 6 |
|--------------|--------------|--------------|
| X X X | 30,471 | 678 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1H - SECTION 1 - OTHER LIABILITY - OCCURRENCE
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | 19,506 | 1,264 | 13,205 | 803 | 272
`|`2.`1987` | 624,510 | 133,070 | 491,440 | 244,882 | 80,997 | 42,334 | 1,757 | 5,294
`|`3.`1988` | 526,042 | 132,411 | 393,631 | 164,704 | 63,705 | 32,396 | 1,190 | 3,777
`|`4.`1989` | 290,820 | 66,258 | 224,562 | 117,107 | 46,069 | 21,450 | 909 | 3,007
`|`5.`1990` | 261,224 | 55,253 | 205,971 | 114,893 | 42,599 | 21,538 | 1,201 | 1,189
`|`6.`1991` | 178,427 | 27,429 | 150,998 | 52,360 | 8,222 | 15,649 | 602 | 1,793
`|`7.`1992` | 120,315 | 28,885 | 91,430 | 23,252 | 966 | 7,858 | 477 | 492
`|`8.`1993` | 105,805 | (1,216)| 107,021 | 21,639 | 2,773 | 4,882 | 300 | 110
`|`9.`1994` | 110,481 | 17,926 | 92,555 | 15,069 | 526 | 2,480 | 144 | 451
`|10.`1995` | 120,739 | 23,683 | 97,056 | 9,604 | 107 | 1,114 | 35 | 340
`|11.`1996` | 147,084 | 48,069 | 99,015 | 3,624 | 41 | 309 | 29 | 199
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | 786,640 | 247,269 | 163,215 | 7,447 | 16,924
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 1,828 | 32,472 | X X X |
| 11,771 | 216,233 | 28,554 |
| 8,509 | 140,714 | 21,307 |
| 5,950 | 97,529 | 14,673 |
| 6,272 | 98,903 | 15,554 |
| 5,208 | 64,393 | 11,070 |
| 4,413 | 34,080 | 6,604 |
| 2,761 | 26,209 | 4,815 |
| 2,139 | 19,018 | 4,457 |
| 2,520 | 13,096 | 4,491 |
| 1,977 | 5,840 | 4,631 |
|--------------|--------------|--------------|
| 53,348 | 748,487 | X X X |
>-------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 68,287 | 7,271 | 78,367 | 730 | 0 | 0 | 92,018 | 1,539
`|`2.`1987` | 5,080 | 398 | 13,394 | 102 | 0 | 0 | 15,230 | 181
`|`3.`1988` | 4,992 | 319 | 14,167 | 83 | 0 | 0 | 11,793 | 135
`|`4.`1989` | 3,750 | 426 | 16,567 | 104 | 0 | 0 | 8,308 | 205
`|`5.`1990` | 10,322 | 722 | 20,639 | 459 | 0 | 0 | 10,876 | 319
`|`6.`1991` | 7,947 | 431 | 23,610 | 1,269 | 0 | 0 | 10,144 | 264
`|`7.`1992` | 12,292 | 1,228 | 17,244 | 957 | 9 | 0 | 7,977 | 392
`|`8.`1993` | 8,935 | 432 | 18,958 | 1,204 | 589 | 0 | 8,247 | 300
`|`9.`1994` | 9,408 | 524 | 29,121 | 2,624 | 79 | 0 | 9,965 | 619
`|10.`1995` | 12,303 | 1,311 | 40,028 | 5,376 | 25 | 0 | 12,935 | 649
`|11.`1996` | 10,569 | 975 | 67,182 | 21,678 | 0 | 0 | 15,267 | 1,218
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | 153,885 | 14,037 | 339,277 | 34,586 | 702 | 0 | 202,760 | 5,821
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 728 | 11,411 | 240,543 | 895 |
| 302 | 1,363 | 34,386 | 120 |
| 71 | 1,234 | 31,649 | 91 |
| 247 | 994 | 28,884 | 74 |
| 264 | 1,428 | 41,765 | 153 |
| 241 | 1,355 | 41,092 | 182 |
| 182 | 1,073 | 36,018 | 189 |
| 195 | 986 | 35,779 | 252 |
| 288 | 1,323 | 46,129 | 267 |
| 338 | 2,204 | 60,159 | 510 |
| 686 | 5,691 | 74,838 | 1,125 |
|--------------|--------------|--------------|-------------|
| 3,542 | 29,062 | 671,242 | 3,858 |
>-------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|`2.`1987` | 334,054 | 83,435 | 250,619 | 53.5 | 62.7 | 51.0 | 0 | 0
`|`3.`1988` | 237,795 | 65,432 | 172,363 | 45.2 | 49.4 | 43.8 | 0 | 0
`|`4.`1989` | 174,126 | 47,713 | 126,413 | 59.9 | 72.0 | 56.3 | 0 | 0
`|`5.`1990` | 185,968 | 45,300 | 140,668 | 71.2 | 82.0 | 68.3 | 0 | 0
`|`6.`1991` | 116,273 | 10,788 | 105,485 | 65.2 | 39.3 | 69.9 | 0 | 0
`|`7.`1992` | 74,118 | 4,020 | 70,098 | 61.6 | 13.9 | 76.7 | 0 | 0
`|`8.`1993` | 66,997 | 5,009 | 61,988 | 63.3 | (411.9)| 57.9 | 0 | 0
`|`9.`1994` | 69,584 | 4,437 | 65,147 | 63.0 | 24.8 | 70.4 | 0 | 0
`|10.`1995` | 80,733 | 7,478 | 73,255 | 66.9 | 31.6 | 75.5 | 0 | 0
`|11.`1996` | 104,619 | 23,941 | 80,678 | 71.1 | 49.8 | 81.5 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | 138,653 | 101,890 |
| 0.0 | 17,974 | 16,412 |
| 0.0 | 18,757 | 12,892 |
| 0.0 | 19,787 | 9,097 |
| 0.0 | 29,780 | 11,985 |
| 0.0 | 29,857 | 11,235 |
| 0.0 | 27,351 | 8,667 |
| 0.0 | 26,257 | 9,522 |
| 0.0 | 35,381 | 10,748 |
| 0.0 | 45,644 | 14,515 |
| 0.0 | 55,098 | 19,740 |
|--------------|--------------|--------------|
| X X X | 444,539 | 226,703 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1H - SECTION 2 - OTHER LIABILITY - CLAIMS-MADE
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | 137 | 38 | 272 | 0 | 0
`|`2.`1987` | 68 | 0 | 68 | 0 | 0 | (6)| 0 | 0
`|`3.`1988` | 1,993 | 0 | 1,993 | 609 | 28 | 52 | 6 | 13
`|`4.`1989` | 2,406 | 0 | 2,406 | 678 | 0 | 141 | 0 | 18
`|`5.`1990` | 2,190 | 286 | 1,904 | 872 | 0 | 112 | 0 | 11
`|`6.`1991` | 3,185 | 42 | 3,143 | 450 | 0 | 196 | 0 | 17
`|`7.`1992` | 2,299 | 270 | 2,029 | 815 | 0 | 239 | 0 | 7
`|`8.`1993` | 1,936 | 517 | 1,419 | 149 | 0 | 120 | 0 | 17
`|`9.`1994` | 2,756 | 480 | 2,276 | 395 | 0 | 364 | 0 | 8
`|10.`1995` | 3,956 | 331 | 3,625 | 70 | 0 | 91 | 0 | 28
`|11.`1996` | 7,279 | 2,050 | 5,229 | 163 | 0 | 100 | 0 | 22
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | 4,338 | 66 | 1,681 | 6 | 141
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 107 | 478 | X X X |
| 22 | 16 | 6 |
| 102 | 729 | 125 |
| 121 | 940 | 201 |
| 79 | 1,063 | 163 |
| 87 | 733 | 165 |
| 115 | 1,169 | 151 |
| 61 | 330 | 110 |
| 50 | 809 | 77 |
| 282 | 443 | 306 |
| 468 | 731 | 1,167 |
|--------------|--------------|--------------|
| 1,494 | 7,441 | X X X |
>-------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 3,107 | 219 | 14 | 0 | 0 | 0 | 884 | 185
`|`2.`1987` | 0 | 0 | 5 | 0 | 0 | 0 | 222 | 0
`|`3.`1988` | 0 | 0 | 53 | 0 | 0 | 0 | 31 | 0
`|`4.`1989` | 29 | 0 | 111 | 0 | 0 | 0 | 73 | 0
`|`5.`1990` | 0 | 0 | 142 | 0 | 0 | 0 | 49 | 0
`|`6.`1991` | 0 | 0 | 158 | 0 | 0 | 0 | 43 | 0
`|`7.`1992` | 100 | 0 | 118 | 0 | 0 | 0 | 83 | 0
`|`8.`1993` | 424 | 0 | 130 | 0 | 0 | 0 | 291 | 0
`|`9.`1994` | 243 | 0 | 285 | 0 | 0 | 0 | 123 | 0
`|10.`1995` | 205 | 0 | 198 | 0 | 0 | 0 | 195 | 0
`|11.`1996` | 2,560 | 0 | 1,324 | 434 | 0 | 0 | 1,106 | 21
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | 6,668 | 219 | 2,538 | 434 | 0 | 0 | 3,100 | 206
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 0 | 28 | 3,629 | 5 |
| 0 | 1 | 228 | 1 |
| 0 | 3 | 87 | 2 |
| 0 | 14 | 227 | 2 |
| 0 | 16 | 207 | 2 |
| 0 | 8 | 209 | 0 |
| 0 | 27 | 328 | 4 |
| 0 | 50 | 895 | 20 |
| 0 | 41 | 692 | 9 |
| 0 | 43 | 641 | 21 |
| 0 | 616 | 5,151 | 165 |
|--------------|--------------|--------------|-------------|
| 0 | 847 | 12,294 | 231 |
>-------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|`2.`1987` | 244 | 0 | 244 | 358.8 | 0.0 | 358.8 | 0 | 0
`|`3.`1988` | 850 | 34 | 816 | 42.6 | 0.0 | 40.9 | 0 | 0
`|`4.`1989` | 1,167 | 0 | 1,167 | 48.5 | 0.0 | 48.5 | 0 | 0
`|`5.`1990` | 1,270 | 0 | 1,270 | 58.0 | 0.0 | 66.7 | 0 | 0
`|`6.`1991` | 942 | 0 | 942 | 29.6 | 0.0 | 30.0 | 0 | 0
`|`7.`1992` | 1,497 | 0 | 1,497 | 65.1 | 0.0 | 73.8 | 0 | 0
`|`8.`1993` | 1,225 | 0 | 1,225 | 63.3 | 0.0 | 86.3 | 0 | 0
`|`9.`1994` | 1,501 | 0 | 1,501 | 54.5 | 0.0 | 65.9 | 0 | 0
`|10.`1995` | 1,084 | 0 | 1,084 | 27.4 | 0.0 | 29.9 | 0 | 0
`|11.`1996` | 6,337 | 455 | 5,882 | 87.1 | 22.2 | 112.5 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | 2,902 | 727 |
| 0.0 | 5 | 223 |
| 0.0 | 53 | 34 |
| 0.0 | 140 | 87 |
| 0.0 | 142 | 65 |
| 0.0 | 158 | 51 |
| 0.0 | 218 | 110 |
| 0.0 | 554 | 341 |
| 0.0 | 528 | 164 |
| 0.0 | 403 | 238 |
| 0.0 | 3,450 | 1,701 |
|--------------|--------------|--------------|
| X X X | 8,553 | 3,741 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1I - SPECIAL PROPERTY (FIRE, ALLIED LINES, INLAND MARINE,
EARTHQUAKE, GLASS, BURGLARY AND THEFT)
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | 10,012 | 2,211 | 1,308 | 90 | 649
`|`2.`1995` | 188,874 | 71,580 | 117,294 | 71,348 | 9,965 | 1,442 | 108 | 1,093
`|`3.`1996` | 228,287 | 53,093 | 175,194 | 65,742 | 2,147 | 1,088 | 15 | 396
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`4.`Totals` | X X X | X X X | X X X | 147,102 | 14,323 | 3,838 | 213 | 2,138
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 118 | 9,137 | X X X |
| 3,289 | 66,006 | X X X |
| 4,374 | 69,042 | X X X |
|--------------|--------------|--------------|
| 7,781 | 144,185 | X X X |
>-------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 14,806 | 3,132 | 8,949 | 93 | 0 | 0 | 1,052 | 153
`|`2.`1995` | 6,883 | 1,838 | 1,362 | 289 | 0 | 0 | 1,381 | 688
`|`3.`1996` | 36,092 | 6,295 | 11,818 | 1,370 | 38 | 34 | 1,914 | 515
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`4.`Totals` | 57,781 | 11,265 | 22,129 | 1,752 | 38 | 34 | 4,347 | 1,356
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 991 | 77 | 21,506 | 129 |
| 1,290 | 114 | 6,925 | 145 |
| 4,215 | 1,277 | 42,925 | 1,077 |
|--------------|--------------|--------------|-------------|
| 6,496 | 1,468 | 71,356 | 1,351 |
>-------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|`2.`1995` | 85,819 | 12,888 | 72,931 | 45.4 | 18.0 | 62.2 | 0 | 0
`|`3.`1996` | 122,343 | 10,376 | 111,967 | 53.6 | 19.5 | 63.9 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`4.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | 20,530 | 976 |
| 0.0 | 6,118 | 807 |
| 0.0 | 40,245 | 2,680 |
|--------------|--------------|--------------|
| X X X | 66,893 | 4,463 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1J - AUTO PHYSICAL DAMAGE
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | 20 | (40)| 919 | 55 | 2,238
`|`2.`1995` | 236,544 | 9,923 | 226,621 | 132,439 | 3,353 | 2,067 | 15 | 17,728
`|`3.`1996` | 224,948 | 5,523 | 219,425 | 123,003 | 2,511 | 761 | 13 | 10,475
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`4.`Totals` | X X X | X X X | X X X | 255,462 | 5,824 | 3,747 | 83 | 30,441
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 546 | 1,470 | X X X |
| 14,862 | 146,000 | 99,599 |
| 19,089 | 140,329 | 100,096 |
|--------------|--------------|--------------|
| 34,497 | 287,799 | X X X |
>-------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 3,939 | 258 | 5,140 | 6 | 0 | 0 | 1,131 | 33
`|`2.`1995` | 1,695 | 33 | 652 | 4 | 4 | 0 | 762 | 17
`|`3.`1996` | 17,121 | 157 | (480)| 108 | 392 | 0 | 1,540 | 51
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`4.`Totals` | 22,755 | 448 | 5,312 | 118 | 396 | 0 | 3,433 | 101
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 2,558 | 58 | 9,971 | 150 |
| 2,233 | 76 | 3,135 | 329 |
| 8,469 | 2,373 | 20,630 | 4,487 |
|--------------|--------------|--------------|-------------|
| 13,260 | 2,507 | 33,736 | 4,966 |
>-------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|`2.`1995` | 152,557 | 3,422 | 149,135 | 64.5 | 34.5 | 65.8 | 0 | 0
`|`3.`1996` | 163,799 | 2,840 | 160,959 | 72.8 | 51.4 | 73.4 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`4.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | 8,815 | 1,156 |
| 0.0 | 2,310 | 825 |
| 0.0 | 16,376 | 4,254 |
|--------------|--------------|--------------|
| X X X | 27,501 | 6,235 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1K - FIDELITY/SURETY
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | 35,614 | 26,794 | 7,841 | 3,057 | 11,322
`|`2.`1995` | 173,201 | 37,627 | 135,574 | 41,287 | 11,869 | 1,269 | 225 | 1,462
`|`3.`1996` | 180,383 | 24,866 | 155,517 | 4,170 | (1,951)| 234 | 2 | 96
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`4.`Totals` | X X X | X X X | X X X | 81,071 | 36,712 | 9,344 | 3,284 | 12,880
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 2,146 | 15,750 | X X X |
| 2,149 | 32,611 | X X X |
| 374 | 6,727 | X X X |
|--------------|--------------|--------------|
| 4,669 | 55,088 | X X X |
>-------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 19,147 | 5,506 | (16,687)| (396)| 0 | 0 | 18,788 | 4,460
`|`2.`1995` | 10,183 | 9,214 | 4,032 | (103)| 0 | 0 | 11,057 | 2,493
`|`3.`1996` | 3,144 | 73 | 28,451 | 599 | 0 | 0 | 12,691 | 1,833
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`4.`Totals` | 32,474 | 14,793 | 15,796 | 100 | 0 | 0 | 42,536 | 8,786
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 11,266 | 2,188 | 13,866 | 1,590 |
| 4,600 | 1,095 | 14,763 | 755 |
| 3,515 | 956 | 42,737 | 636 |
|--------------|--------------|--------------|-------------|
| 19,381 | 4,239 | 71,366 | 2,981 |
>-------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|`2.`1995` | 71,072 | 23,698 | 47,374 | 41.0 | 63.0 | 34.9 | 0 | 0
`|`3.`1996` | 50,020 | 556 | 49,464 | 27.7 | 2.2 | 31.8 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`4.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | (2,650)| 16,516 |
| 0.0 | 5,104 | 9,659 |
| 0.0 | 30,923 | 11,814 |
|--------------|--------------|--------------|
| X X X | 33,377 | 37,989 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1L - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | 91 | 54 | 4 | 0 | 0
`|`2.`1995` | (967)| 1 | (968)| 26 | 0 | 0 | 0 | 0
`|`3.`1996` | 193 | 7 | 186 | 0 | 0 | 0 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`4.`Totals` | X X X | X X X | X X X | 117 | 54 | 4 | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 0 | 41 | X X X |
| 1 | 27 | X X X |
| 0 | 0 | X X X |
|--------------|--------------|--------------|
| 1 | 68 | X X X |
>-------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 169 | 102 | 0 | 0 | 0 | 0 | 325 | 10
`|`2.`1995` | 4 | 0 | 1 | 0 | 0 | 0 | 0 | 0
`|`3.`1996` | 18 | 0 | 4 | 0 | 0 | 0 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`4.`Totals` | 191 | 102 | 5 | 0 | 0 | 0 | 325 | 10
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 0 | 0 | 382 | 4 |
| 0 | 0 | 5 | 3 |
| 0 | 2 | 24 | 12 |
|--------------|--------------|--------------|-------------|
| 0 | 2 | 411 | 19 |
>-------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|`2.`1995` | 32 | 0 | 32 | (3.3)| 0.0 | (3.3)| 0 | 0
`|`3.`1996` | 24 | 0 | 24 | 12.4 | 0.0 | 12.9 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`4.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | 67 | 315 |
| 0.0 | 5 | 0 |
| 0.0 | 22 | 2 |
|--------------|--------------|--------------|
| X X X | 94 | 317 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1M - INTERNATIONAL
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|`2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`3.`1988` | 19,649 | 337 | 19,312 | 13,866 | 90 | 390 | 1 | 0
`|`4.`1989` | 14,651 | 122 | 14,529 | 10,607 | 24 | 331 | 0 | 0
`|`5.`1990` | 12,386 | 63 | 12,323 | 10,660 | 212 | 340 | 0 | 0
`|`6.`1991` | 9,982 | 69 | 9,913 | 7,501 | 46 | 223 | (2)| 0
`|`7.`1992` | 4,683 | 39 | 4,644 | 3,345 | 12 | 45 | (8)| 0
`|`8.`1993` | 12,988 | 0 | 12,988 | 6,230 | 1 | 7 | 0 | 0
`|`9.`1994` | 77,224 | 0 | 77,224 | 40,959 | 2 | 68 | (2)| 0
`|10.`1995` | 132,147 | 0 | 132,147 | 67,455 | 6 | 186 | (6)| 0
`|11.`1996` | 145,211 | 0 | 145,211 | 41,809 | 4 | 227 | (4)| 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | 202,432 | 397 | 1,817 | (21)| 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 0 | 0 | X X X |
| 0 | 0 | X X X |
| 0 | 14,165 | X X X |
| 0 | 10,914 | X X X |
| 0 | 10,788 | X X X |
| 0 | 7,680 | X X X |
| 0 | 3,386 | X X X |
| 0 | 6,236 | X X X |
| 0 | 41,027 | X X X |
| 0 | 67,641 | X X X |
| 0 | 42,036 | X X X |
|--------------|--------------|--------------|
| 0 | 203,873 | X X X |
>-------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`3.`1988` | 344 | 0 | 823 | 0 | 0 | 0 | 0 | 0
`|`4.`1989` | 474 | 0 | 959 | 0 | 0 | 0 | 0 | 0
`|`5.`1990` | 227 | 0 | 559 | 0 | 0 | 0 | 0 | 0
`|`6.`1991` | 335 | 0 | 605 | 0 | 0 | 0 | 0 | 0
`|`7.`1992` | 141 | 0 | 315 | 0 | 0 | 0 | 0 | 0
`|`8.`1993` | 543 | 0 | 288 | 0 | 0 | 0 | 0 | 0
`|`9.`1994` | 7,281 | 0 | 3,015 | 0 | 0 | 0 | 0 | 0
`|10.`1995` | 24,139 | 0 | 9,881 | 0 | 0 | 0 | 0 | 0
`|11.`1996` | 48,407 | 0 | 38,894 | 0 | 0 | 0 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | 81,891 | 0 | 55,339 | 0 | 0 | 0 | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 1,167 | 0 |
| 0 | 0 | 1,433 | 0 |
| 0 | 0 | 786 | 0 |
| 0 | 0 | 940 | 0 |
| 0 | 0 | 456 | 0 |
| 0 | 0 | 831 | 0 |
| 0 | 0 | 10,296 | 0 |
| 0 | 0 | 34,020 | 0 |
| 0 | 0 | 87,301 | 0 |
|--------------|--------------|--------------|-------------|
| 0 | 0 | 137,230 | 0 |
>-------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|`2.`1987` | 0 | 0 | 0 | 0.0 | 0.0 | 0.0 | 0 | 0
`|`3.`1988` | 15,423 | 91 | 15,332 | 78.5 | 27.0 | 79.4 | 0 | 0
`|`4.`1989` | 12,371 | 24 | 12,347 | 84.4 | 19.7 | 85.0 | 0 | 0
`|`5.`1990` | 11,786 | 212 | 11,574 | 95.2 | 336.5 | 93.9 | 0 | 0
`|`6.`1991` | 8,664 | 44 | 8,620 | 86.8 | 63.8 | 87.0 | 0 | 0
`|`7.`1992` | 3,846 | 4 | 3,842 | 82.1 | 10.3 | 82.7 | 0 | 0
`|`8.`1993` | 7,068 | 1 | 7,067 | 54.4 | 0.0 | 54.4 | 0 | 0
`|`9.`1994` | 51,323 | 0 | 51,323 | 66.5 | 0.0 | 66.5 | 0 | 0
`|10.`1995` | 101,661 | 0 | 101,661 | 76.9 | 0.0 | 76.9 | 0 | 0
`|11.`1996` | 129,337 | 0 | 129,337 | 89.1 | 0.0 | 89.1 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | 0 | 0 |
| 0.0 | 0 | 0 |
| 0.0 | 1,167 | 0 |
| 0.0 | 1,433 | 0 |
| 0.0 | 786 | 0 |
| 0.0 | 940 | 0 |
| 0.0 | 456 | 0 |
| 0.0 | 831 | 0 |
| 0.0 | 10,296 | 0 |
| 0.0 | 34,020 | 0 |
| 0.0 | 87,301 | 0 |
|--------------|--------------|--------------|
| X X X | 137,230 | 0 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1N - REINSURANCE A
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`1988` | 34,707 | 1,738 | 32,969 | 12,477 | 956 | 416 | 86 | 0
`|`2.`1989` | 25,922 | 2,056 | 23,866 | 14,810 | 1,861 | 468 | (188)| 0
`|`3.`1990` | 79,740 | 60,145 | 19,595 | 51,964 | 42,053 | 954 | 85 | 0
`|`4.`1991` | 60,073 | 34,454 | 25,619 | 25,580 | 18,868 | 392 | (67)| 0
`|`5.`1992` | 56,589 | 10,089 | 46,500 | 23,458 | 17,853 | 321 | 140 | 0
`|`6.`1993` | 61,844 | 10,382 | 51,462 | 7,360 | 2,873 | 152 | 23 | 0
`|`7.`1994` | 54,527 | 18,639 | 35,888 | 10,432 | 4,129 | 223 | 39 | 0
`|`8.`1995` | 76,202 | 29,867 | 46,335 | 16,450 | 6,329 | 122 | 24 | 0
`|`9.`1996` | 58,659 | 27,277 | 31,382 | 2,430 | 721 | 34 | 5 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|10.`Totals` | X X X | X X X | X X X | 164,961 | 95,643 | 3,082 | 147 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 0 | 11,851 | X X X |
| 0 | 13,605 | X X X |
| 0 | 10,780 | X X X |
| 0 | 7,171 | X X X |
| 0 | 5,786 | X X X |
| 0 | 4,616 | X X X |
| 0 | 6,487 | X X X |
| 0 | 10,219 | X X X |
| 0 | 1,738 | X X X |
|--------------|--------------|--------------|
| 0 | 72,253 | X X X |
>-------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`1988` | 663 | 1 | 2,741 | 9 | 0 | 0 | 21 | 0
`|`2.`1989` | 1,042 | 5 | 2,810 | 21 | 0 | 0 | 56 | 0
`|`3.`1990` | 1,370 | 31 | 2,057 | 18 | 0 | 0 | 13 | 0
`|`4.`1991` | 1,037 | 116 | 2,919 | 63 | 0 | 0 | 28 | 6
`|`5.`1992` | 1,294 | 282 | 5,373 | 122 | 0 | 0 | 41 | 8
`|`6.`1993` | 2,551 | 554 | 6,181 | 111 | 0 | 0 | 55 | 3
`|`7.`1994` | 2,000 | 505 | 13,520 | 183 | 0 | 0 | 48 | 1
`|`8.`1995` | 2,854 | 862 | 28,643 | 7,095 | 0 | 0 | 30 | 2
`|`9.`1996` | 2,488 | 324 | 33,216 | 12,415 | 0 | 0 | 13 | 1
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|10.`Totals` | 15,299 | 2,680 | 97,460 | 20,037 | 0 | 0 | 305 | 21
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 0 | 0 | 3,415 | X X X |
| 0 | 0 | 3,882 | X X X |
| 0 | 0 | 3,391 | X X X |
| 0 | 0 | 3,799 | X X X |
| 0 | 0 | 6,296 | X X X |
| 0 | 0 | 8,119 | X X X |
| 0 | 0 | 14,879 | X X X |
| 0 | 0 | 23,568 | X X X |
| 0 | 0 | 22,977 | X X X |
|--------------|--------------|--------------|-------------|
| 0 | 0 | 90,326 | X X X |
>-------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`1988` | 16,318 | 1,052 | 15,266 | 47.0 | 60.5 | 46.3 | 0 | 0
`|`2.`1989` | 19,186 | 1,699 | 17,487 | 74.0 | 82.6 | 73.3 | 0 | 0
`|`3.`1990` | 56,358 | 42,187 | 14,171 | 70.7 | 70.1 | 72.3 | 0 | 0
`|`4.`1991` | 29,956 | 18,986 | 10,970 | 49.9 | 55.1 | 42.8 | 0 | 0
`|`5.`1992` | 30,487 | 18,405 | 12,082 | 53.9 | 182.4 | 26.0 | 0 | 0
`|`6.`1993` | 16,299 | 3,564 | 12,735 | 26.4 | 34.3 | 24.7 | 0 | 0
`|`7.`1994` | 26,223 | 4,857 | 21,366 | 48.1 | 26.1 | 59.5 | 0 | 0
`|`8.`1995` | 48,099 | 14,312 | 33,787 | 63.1 | 47.9 | 72.9 | 0 | 0
`|`9.`1996` | 38,181 | 13,466 | 24,715 | 65.1 | 49.4 | 78.8 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|10.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| 0.0 | 3,394 | 21 |
| 0.0 | 3,826 | 56 |
| 0.0 | 3,378 | 13 |
| 0.0 | 3,777 | 22 |
| 0.0 | 6,263 | 33 |
| 0.0 | 8,067 | 52 |
| 0.0 | 14,832 | 47 |
| 0.0 | 23,540 | 28 |
| 0.0 | 22,965 | 12 |
|--------------|--------------|--------------|
| X X X | 90,042 | 284 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1O - REINSURANCE B
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`1988` | 155,207 | 139,405 | 15,802 | 123,606 | 117,282 | 1,118 | 170 | 0
`|`2.`1989` | 443,293 | 419,913 | 23,380 | 255,977 | 243,904 | 2,551 | 85 | 0
`|`3.`1990` | 321,700 | 308,404 | 13,296 | 194,963 | 188,706 | 1,970 | 339 | 0
`|`4.`1991` | 150,194 | 142,532 | 7,662 | 71,704 | 69,775 | 934 | 193 | 0
`|`5.`1992` | 193,234 | 175,005 | 18,229 | 190,409 | 178,713 | 257 | 94 | 0
`|`6.`1993` | 334,768 | 372,114 | (37,346)| 99,551 | 95,771 | 272 | (136)| 0
`|`7.`1994` | 241,254 | 101,075 | 140,179 | 55,268 | 12,955 | 242 | (9)| 0
`|`8.`1995` | 257,202 | 216,242 | 40,960 | 74,824 | 63,140 | 97 | 82 | 0
`|`9.`1996` | 182,462 | 125,475 | 56,987 | 5,575 | 4,381 | 17 | (13)| 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|10.`Totals` | X X X | X X X | X X X | 1,071,877 | 974,627 | 7,458 | 805 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 0 | 7,272 | X X X |
| 0 | 14,539 | X X X |
| 0 | 7,888 | X X X |
| 0 | 2,670 | X X X |
| 0 | 11,859 | X X X |
| 0 | 4,188 | X X X |
| 0 | 42,564 | X X X |
| 0 | 11,699 | X X X |
| 0 | 1,224 | X X X |
|--------------|--------------|--------------|
| 0 | 103,903 | X X X |
>-------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`1988` | 44,282 | 43,962 | 1,414 | 178 | 0 | 0 | 21 | 0
`|`2.`1989` | 51,562 | 50,782 | 1,999 | 393 | 0 | 0 | 60 | 0
`|`3.`1990` | 57,676 | 57,353 | 913 | 345 | 0 | 0 | 5 | 0
`|`4.`1991` | 5,782 | 5,256 | 2,787 | 1,188 | 0 | 0 | 207 | 114
`|`5.`1992` | 2,968 | 2,294 | 4,428 | 1,698 | 0 | 0 | 291 | 151
`|`6.`1993` | 3,059 | 1,575 | 11,953 | 7,357 | 0 | 0 | 262 | 41
`|`7.`1994` | 13,842 | 3,139 | 39,204 | 8,105 | 0 | 0 | 233 | 3
`|`8.`1995` | 3,742 | (1,904)| 85,151 | 62,587 | 0 | 0 | 47 | 4
`|`9.`1996` | 8,124 | 10,879 | 173,806 | 129,979 | 0 | 0 | 27 | (741)
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|10.`Totals` | 191,037 | 173,336 | 321,655 | 211,830 | 0 | 0 | 1,153 | (428)
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 0 | 0 | 1,577 | X X X |
| 0 | 0 | 2,446 | X X X |
| 0 | 0 | 896 | X X X |
| 0 | 0 | 2,218 | X X X |
| 0 | 2 | 3,546 | X X X |
| 0 | 26 | 6,327 | X X X |
| 0 | 32 | 42,064 | X X X |
| 0 | 3 | 28,256 | X X X |
| 0 | 0 | 41,840 | X X X |
|--------------|--------------|--------------|-------------|
| 0 | 63 | 129,170 | X X X |
>-------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`1988` | 170,441 | 161,592 | 8,849 | 109.8 | 115.9 | 56.0 | 0 | 0
`|`2.`1989` | 312,149 | 295,164 | 16,985 | 70.4 | 70.3 | 72.6 | 0 | 0
`|`3.`1990` | 255,527 | 246,743 | 8,784 | 79.4 | 80.0 | 66.1 | 0 | 0
`|`4.`1991` | 81,414 | 76,526 | 4,888 | 54.2 | 53.7 | 63.8 | 0 | 0
`|`5.`1992` | 198,355 | 182,950 | 15,405 | 102.7 | 104.5 | 84.5 | 0 | 0
`|`6.`1993` | 115,123 | 104,608 | 10,515 | 34.4 | 28.1 | (28.2)| 0 | 0
`|`7.`1994` | 108,821 | 24,193 | 84,628 | 45.1 | 23.9 | 60.4 | 0 | 0
`|`8.`1995` | 163,864 | 123,909 | 39,955 | 63.7 | 57.3 | 97.5 | 0 | 0
`|`9.`1996` | 187,549 | 144,485 | 43,064 | 102.8 | 115.2 | 75.6 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|10.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| 0.0 | 1,556 | 21 |
| 0.0 | 2,386 | 60 |
| 0.0 | 891 | 5 |
| 0.0 | 2,125 | 93 |
| 0.0 | 3,404 | 142 |
| 0.0 | 6,080 | 247 |
| 0.0 | 41,802 | 262 |
| 0.0 | 28,210 | 46 |
| 0.0 | 41,072 | 768 |
|--------------|--------------|--------------|
| X X X | 127,526 | 1,644 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF .
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1P - REINSURANCE C
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`1988` | 1,548 | (3)| 1,551 | 387 | 0 | 7 | 0 | 0
`|`2.`1989` | 1,673 | 0 | 1,673 | 0 | 0 | 0 | 0 | 0
`|`3.`1990` | 365 | 330 | 35 | 0 | 0 | 0 | 0 | 0
`|`4.`1991` | 1,068 | 1,068 | 0 | 0 | 0 | 0 | 0 | 0
`|`5.`1992` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`6.`1993` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`7.`1994` | 16 | 0 | 16 | 0 | 0 | 0 | 0 | 0
`|`8.`1995` | (33)| 595 | (628)| 801 | 309 | 0 | 0 | 0
`|`9.`1996` | 910 | 464 | 446 | 66 | 25 | 0 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|10.`Totals` | X X X | X X X | X X X | 1,254 | 334 | 7 | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 0 | 394 | X X X |
| 0 | 0 | X X X |
| 0 | 0 | X X X |
| 0 | 0 | X X X |
| 0 | 0 | X X X |
| 0 | 0 | X X X |
| 0 | 0 | X X X |
| 0 | 492 | X X X |
| 0 | 41 | X X X |
|--------------|--------------|--------------|
| 0 | 927 | X X X |
>-------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`1988` | 14 | 0 | 35 | 0 | 0 | 0 | 0 | 0
`|`2.`1989` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`3.`1990` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`4.`1991` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`5.`1992` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`6.`1993` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`7.`1994` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`8.`1995` | 69 | 15 | 755 | 85 | 0 | 0 | 0 | 0
`|`9.`1996` | 95 | 10 | 897 | 124 | 0 | 0 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|10.`Totals` | 178 | 25 | 1,687 | 209 | 0 | 0 | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 0 | 0 | 49 | X X X |
| 0 | 0 | 0 | X X X |
| 0 | 0 | 0 | X X X |
| 0 | 0 | 0 | X X X |
| 0 | 0 | 0 | X X X |
| 0 | 0 | 0 | X X X |
| 0 | 0 | 0 | X X X |
| 0 | 0 | 724 | X X X |
| 0 | 0 | 858 | X X X |
|--------------|--------------|--------------|-------------|
| 0 | 0 | 1,631 | X X X |
>-------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`1988` | 443 | 0 | 443 | 28.6 | 0.0 | 28.6 | 0 | 0
`|`2.`1989` | 0 | 0 | 0 | 0.0 | 0.0 | 0.0 | 0 | 0
`|`3.`1990` | 0 | 0 | 0 | 0.0 | 0.0 | 0.0 | 0 | 0
`|`4.`1991` | 0 | 0 | 0 | 0.0 | 0.0 | 0.0 | 0 | 0
`|`5.`1992` | 0 | 0 | 0 | 0.0 | 0.0 | 0.0 | 0 | 0
`|`6.`1993` | 0 | 0 | 0 | 0.0 | 0.0 | 0.0 | 0 | 0
`|`7.`1994` | 0 | 0 | 0 | 0.0 | 0.0 | 0.0 | 0 | 0
`|`8.`1995` | 1,625 | 409 | 1,216 | (4,924.2)| 68.7 | (193.6)| 0 | 0
`|`9.`1996` | 1,058 | 159 | 899 | 116.3 | 34.3 | 201.6 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|10.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| 0.0 | 49 | 0 |
| 0.0 | 0 | 0 |
| 0.0 | 0 | 0 |
| 0.0 | 0 | 0 |
| 0.0 | 0 | 0 |
| 0.0 | 0 | 0 |
| 0.0 | 0 | 0 |
| 0.0 | 724 | 0 |
| 0.0 | 858 | 0 |
|--------------|--------------|--------------|
| X X X | 1,631 | 0 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1Q - REINSURANCE D
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | 185 | 0 | 1 | 0 | 0
`|`2.`1987` | 49,262 | 5,704 | 43,558 | 33,964 | 4,128 | 853 | (169)| 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`3.`Totals` | X X X | X X X | X X X | 34,149 | 4,128 | 854 | (169)| 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 0 | 186 | X X X |
| 0 | 30,858 | X X X |
|--------------|--------------|--------------|
| 0 | 31,044 | X X X |
- - --------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 432 | 0 | 405 | 0 | 0 | 0 | 0 | 0
`|`2.`1987` | 1,015 | 6 | 2,060 | 0 | 0 | 0 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`3.`Totals` | 1,447 | 6 | 2,465 | 0 | 0 | 0 | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 0 | 0 | 837 | X X X |
| 0 | 0 | 3,069 | X X X |
|--------------|--------------|--------------|-------------|
| 0 | 0 | 3,906 | X X X |
- - --------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|`2.`1987` | 37,892 | 3,965 | 33,927 | 76.9 | 69.5 | 77.9 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`3.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | 837 | 0 |
| 0.0 | 3,069 | 0 |
|--------------|--------------|--------------|
| X X X | 3,906 | 0 |
- - --------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | 2,036 | 73 | 4,099 | 235 | 198
`|`2.`1987` | 69,307 | 20,533 | 48,774 | 24,584 | 7,048 | 13,073 | 2,529 | 1,050
`|`3.`1988` | 45,670 | 15,513 | 30,157 | 13,630 | 2,223 | 8,107 | 700 | 475
`|`4.`1989` | 29,430 | 10,438 | 18,992 | 13,213 | 4,094 | 6,451 | 1,808 | 360
`|`5.`1990` | 24,423 | 8,559 | 15,864 | 8,143 | 2,209 | 3,345 | 826 | 44
`|`6.`1991` | 17,168 | 5,206 | 11,962 | 9,426 | 2,797 | 5,748 | 1,103 | 123
`|`7.`1992` | 12,044 | 3,459 | 8,585 | 3,610 | 753 | 1,967 | 369 | 132
`|`8.`1993` | 11,626 | 5,243 | 6,383 | 3,899 | 1,148 | 1,086 | 311 | 11
`|`9.`1994` | 8,042 | 3,169 | 4,873 | 557 | 283 | 229 | 128 | 9
`|10.`1995` | 4,812 | 726 | 4,086 | 44 | 1 | 94 | 0 | 1
`|11.`1996` | 5,970 | 289 | 5,681 | 18 | 0 | 5 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | 79,160 | 20,629 | 44,204 | 8,009 | 2,403
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 1,058 | 6,885 | X X X |
| 1,752 | 29,832 | 1,291 |
| 1,129 | 19,943 | 922 |
| 724 | 14,486 | 987 |
| 751 | 9,204 | 961 |
| 928 | 12,202 | 650 |
| 903 | 5,358 | 497 |
| 406 | 3,932 | 252 |
| 173 | 548 | 127 |
| 210 | 347 | 87 |
| 55 | 78 | 106 |
|--------------|--------------|--------------|
| 8,089 | 102,815 | X X X |
- - --------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 22,144 | 691 | 11,381 | 214 | 0 | 0 | 21,153 | 811
`|`2.`1987` | 1,852 | 57 | 2,900 | 4 | 0 | 0 | 1,836 | 11
`|`3.`1988` | 2,635 | 242 | 1,727 | 18 | 0 | 0 | 1,851 | 57
`|`4.`1989` | 1,128 | 284 | 785 | 23 | 0 | 0 | 766 | 54
`|`5.`1990` | 623 | 166 | 842 | 18 | 0 | 0 | 796 | 34
`|`6.`1991` | 2,437 | 402 | 1,418 | 40 | 0 | 0 | 1,023 | 81
`|`7.`1992` | 1,493 | 378 | 995 | 31 | 0 | 0 | 849 | 84
`|`8.`1993` | 2,323 | 609 | 1,320 | 84 | 0 | 0 | 916 | 135
`|`9.`1994` | 599 | 261 | 978 | 50 | 0 | 0 | 740 | 63
`|10.`1995` | 537 | 0 | 1,646 | 64 | 0 | 0 | 882 | 3
`|11.`1996` | 314 | 0 | 2,235 | 100 | 0 | 0 | 813 | 5
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | 36,085 | 3,090 | 26,227 | 646 | 0 | 0 | 31,625 | 1,338
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 75 | 4,203 | 57,165 | 564 |
| 30 | 579 | 7,095 | 49 |
| 6 | 474 | 6,370 | 22 |
| 21 | 196 | 2,514 | 11 |
| 25 | 116 | 2,159 | 15 |
| 22 | 333 | 4,688 | 29 |
| 19 | 187 | 3,031 | 24 |
| 18 | 240 | 3,971 | 14 |
| 21 | 102 | 2,045 | 16 |
| 31 | 168 | 3,166 | 17 |
| 48 | 234 | 3,491 | 37 |
|--------------|--------------|--------------|-------------|
| 316 | 6,832 | 95,695 | 798 |
- - --------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|`2.`1987` | 46,576 | 9,649 | 36,927 | 67.2 | 47.0 | 75.7 | 0 | 0
`|`3.`1988` | 29,553 | 3,240 | 26,313 | 64.7 | 20.9 | 87.3 | 0 | 0
`|`4.`1989` | 23,263 | 6,263 | 17,000 | 79.0 | 60.0 | 89.5 | 0 | 0
`|`5.`1990` | 14,616 | 3,253 | 11,363 | 59.8 | 38.0 | 71.6 | 0 | 0
`|`6.`1991` | 21,313 | 4,423 | 16,890 | 124.1 | 85.0 | 141.2 | 0 | 0
`|`7.`1992` | 10,004 | 1,615 | 8,389 | 83.1 | 46.7 | 97.7 | 0 | 0
`|`8.`1993` | 10,190 | 2,287 | 7,903 | 87.6 | 43.6 | 123.8 | 0 | 0
`|`9.`1994` | 3,378 | 785 | 2,593 | 42.0 | 24.8 | 53.2 | 0 | 0
`|10.`1995` | 3,581 | 68 | 3,513 | 74.4 | 9.4 | 86.0 | 0 | 0
`|11.`1996` | 3,674 | 105 | 3,569 | 61.5 | 36.3 | 62.8 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | 32,620 | 24,545 |
| 0.0 | 4,691 | 2,404 |
| 0.0 | 4,102 | 2,268 |
| 0.0 | 1,606 | 908 |
| 0.0 | 1,281 | 878 |
| 0.0 | 3,413 | 1,275 |
| 0.0 | 2,079 | 952 |
| 0.0 | 2,950 | 1,021 |
| 0.0 | 1,266 | 779 |
| 0.0 | 2,119 | 1,047 |
| 0.0 | 2,449 | 1,042 |
|--------------|--------------|--------------|
| X X X | 58,576 | 37,119 |
>-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS-MADE
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|`2.`1987` | 14 | 0 | 14 | 0 | 0 | 0 | 0 | 0
`|`3.`1988` | 234 | 0 | 234 | 4 | 0 | 17 | 0 | 3
`|`4.`1989` | 310 | 0 | 310 | 27 | 0 | 10 | 0 | 0
`|`5.`1990` | 294 | 0 | 294 | 82 | 0 | 348 | 0 | 0
`|`6.`1991` | 285 | 0 | 285 | 98 | 0 | 74 | 0 | 13
`|`7.`1992` | 104 | 0 | 104 | 8 | 0 | 24 | 0 | 1
`|`8.`1993` | 118 | 0 | 118 | 1,042 | 0 | 1,318 | 0 | 0
`|`9.`1994` | 62 | 0 | 62 | 461 | 0 | 18 | 0 | 0
`|10.`1995` | 78 | 0 | 78 | 1 | 0 | 0 | 0 | 0
`|11.`1996` | 10 | 0 | 10 | 1 | 0 | 0 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | 1,724 | 0 | 1,809 | 0 | 17
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 21 | 21 | X X X |
| 9 | 9 | 1 |
| 16 | 37 | 9 |
| 15 | 52 | 4 |
| 40 | 470 | 9 |
| 66 | 238 | 14 |
| 692 | 724 | 6 |
| 326 | 2,686 | 83 |
| 10 | 489 | 63 |
| 32 | 33 | 12 |
| 11 | 12 | 38 |
|--------------|--------------|--------------|
| 1,238 | 4,771 | X X X |
- - --------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|`3.`1988` | 0 | 0 | 11 | 0 | 0 | 0 | 2 | 0
`|`4.`1989` | 0 | 0 | 11 | 0 | 0 | 0 | 6 | 0
`|`5.`1990` | 0 | 0 | 11 | 0 | 0 | 0 | 6 | 0
`|`6.`1991` | 0 | 0 | 28 | 0 | 0 | 0 | 5 | 0
`|`7.`1992` | 0 | 0 | 9 | 0 | 0 | 0 | 2 | 0
`|`8.`1993` | 609 | 0 | 16 | 0 | 0 | 0 | 175 | 0
`|`9.`1994` | 40 | 0 | 6 | 0 | 0 | 0 | 25 | 0
`|10.`1995` | 52 | 0 | 8 | 0 | 0 | 0 | 20 | 0
`|11.`1996` | 17 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | 718 | 0 | 100 | 0 | 0 | 0 | 241 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 1 | 14 | 0 |
| 0 | 1 | 18 | 0 |
| 0 | 1 | 18 | 0 |
| 0 | 3 | 36 | 0 |
| 0 | 1 | 12 | 0 |
| 0 | 52 | 852 | 23 |
| 0 | 4 | 75 | 16 |
| 0 | 5 | 85 | 4 |
| 0 | 2 | 19 | 4 |
|--------------|--------------|--------------|-------------|
| 0 | 70 | 1,129 | 47 |
- - --------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|`2.`1987` | 9 | 0 | 9 | 64.3 | 0.0 | 64.3 | 0 | 0
`|`3.`1988` | 51 | 0 | 51 | 21.8 | 0.0 | 21.8 | 0 | 0
`|`4.`1989` | 70 | 0 | 70 | 22.6 | 0.0 | 22.6 | 0 | 0
`|`5.`1990` | 488 | 0 | 488 | 166.0 | 0.0 | 166.0 | 0 | 0
`|`6.`1991` | 274 | 0 | 274 | 96.1 | 0.0 | 96.1 | 0 | 0
`|`7.`1992` | 736 | 0 | 736 | 707.7 | 0.0 | 707.7 | 0 | 0
`|`8.`1993` | 3,538 | 0 | 3,538 | 2,998.3 | 0.0 | 2,998.3 | 0 | 0
`|`9.`1994` | 564 | 0 | 564 | 909.7 | 0.0 | 909.7 | 0 | 0
`|10.`1995` | 118 | 0 | 118 | 151.3 | 0.0 | 151.3 | 0 | 0
`|11.`1996` | 31 | 0 | 31 | 310.0 | 0.0 | 310.0 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|12.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | 0 | 0 |
| 0.0 | 0 | 0 |
| 0.0 | 11 | 3 |
| 0.0 | 11 | 7 |
| 0.0 | 11 | 7 |
| 0.0 | 28 | 8 |
| 0.0 | 9 | 3 |
| 0.0 | 625 | 227 |
| 0.0 | 46 | 29 |
| 0.0 | 60 | 25 |
| 0.0 | 17 | 2 |
|--------------|--------------|--------------|
| X X X | 818 | 311 |
- - --------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 1S - FINANCIAL GUARANTY/MORTGAGE GUARANTY
($000 omitted)
!-------------#-----------------------------------------#--------------------------------------------------------------------------
| 1 | Premiums Earned | Loss and Loss Expense Payments
| |-------------#-------------#-------------|-----------------------------#-----------------------------#--------------
| Years | 2 | 3 | 4 | Loss Payments | Allocated Loss | 9
| in Which | | | | | Expense Payments |
|Premiums Were| | | |--------------#--------------|--------------#--------------| Salvage
| Earned and | Direct | | Net | 5 | 6 | 7 | 8 | and
| Losses Were | and | Ceded | (2 - 3) | Direct | | Direct | | Subrogation
| Incurred | Assumed | | | and Assumed | Ceded | and Assumed | Ceded | Received
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | (408)| (239)| 48 | 22 | 360
`|`2.`1995` | 1,468 | 1,416 | 52 | 0 | 0 | 0 | 0 | 0
`|`3.`1996` | 1,342 | 1,309 | 33 | 0 | 0 | 0 | 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`4.`Totals` | X X X | X X X | X X X | (408)| (239)| 48 | 22 | 360
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
- - ------------------------------#--------------#
| |
#--------------#--------------| |
| 10 | 11 | 12 |
| | | Number of |
| Unallocated | Total | Claims |
| Loss | Net Paid | Reported - |
| Expense | (5 - 6 + 7 | Direct and |
| Payments | - 8 + 10) | Assumed |
|--------------|--------------|--------------|
| | | |
| 22 | (121)| X X X |
| 0 | 0 | X X X |
| 0 | 0 | X X X |
|--------------|--------------|--------------|
| 22 | (121)| X X X |
- - --------------->-------------->-------------->
!-------------#--------------------------------------------------------#-----------------------------------------------------------
| | Losses Unpaid | Allocated Loss Expenses Unpaid
| |---------------------------#----------------------------|-----------------------------#-----------------------------
| | Case Basis | Bulk + IBNR | Case Basis | Bulk + IBNR
| |-------------#-------------|-------------#--------------|--------------#--------------|--------------#--------------
| | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20
| | Direct | | Direct | | Direct | | Direct |
| | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded | and Assumed | Ceded
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | 0 | 4 | 298 | 0 | 0 | 0 | 418 | 403
`|`2.`1995` | 0 | 0 | 0 | 0 | 0 | 0 | 387 | 387
`|`3.`1996` | 0 | 0 | 1,006 | 1,242 | 0 | 0 | 90 | 100
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`4.`Totals` | 0 | 4 | 1,304 | 1,242 | 0 | 0 | 895 | 890
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#--------------#--------------#-------------#
| | | | |
| 21 | 22 | 23 | 24 |
| | | | Number of |
| Salvage | Unallocated | Total | Claims |
| and | Loss | Net Losses |Outstanding -|
| Subrogation | Expenses | and Expenses | Direct and |
| Anticipated | Unpaid | Unpaid | Assumed |
|--------------|--------------|--------------|-------------|
| | | | |
| 2 | 0 | 309 | 0 |
| 0 | 0 | 0 | 0 |
| 204 | 51 | (195)| 0 |
|--------------|--------------|--------------|-------------|
| 206 | 51 | 114 | 0 |
- - --------------->-------------->-------------->------------->
!-------------#-----------------------------------------#--------------------------------------------#-----------------------------
| | Total Losses and | Loss and Loss Expense Percentage |
| | Loss Expenses Incurred | (Incurred/Premiums Earned) | Nontabular Discount
| |-------------#-------------#-------------|--------------#--------------#--------------|--------------#--------------
| | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32
| | | | | | | | |
| | Direct | | | Direct | | | | Loss
| | and Assumed | Ceded | Net | and Assumed | Ceded | Net | Loss | Expense
|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
| | | | | | | | |
`|`1.`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|`2.`1995` | 387 | 387 | 0 | 26.4 | 27.3 | 0.0 | 0 | 0
`|`3.`1996` | 1,147 | 1,342 | (195)| 85.5 | 102.5 | (590.9)| 0 | 0
`|-------------|-------------|-------------|-------------|--------------|--------------|--------------|--------------|--------------
`|`4.`Totals` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
-------------->------------->------------->------------->-------------->-------------->-------------->-------------->--------------
#--------------#-----------------------------#
| | Net Balance Sheet Reserves |
| 33 | After Discount |
| |--------------#--------------|
|Inter-Company | 34 | 35 |
| Pooling | | Loss |
|Participation | Losses | Expenses |
| Percentage | Unpaid | Unpaid |
|--------------|--------------|--------------|
| | | |
| X X X | 294 | 15 |
| 0.0 | 0 | 0 |
| 0.0 | (236)| 41 |
|--------------|--------------|--------------|
| X X X | 58 | 56 |
- - --------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 2A - HOMEOWNERS/FARMOWNERS
!-------------------#--------------------------------------------------------------------------------------------------------------
| 1 | INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END ($000 OMITTED)
| |-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
| Years in Which | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9
| Losses Were | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994
| Incurred | | | | | | | |
|-------------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|------------
`| "1. "`Prior` | 30,262 | 31,712 | 31,390 | 31,488 | 30,973 | 30,983 | 31,268 | 31,702
`| "2. "`1987` | 145,362 | 133,500 | 131,436 | 129,910 | 126,780 | 126,913 | 126,790 | 126,794
`| "3. "`1988` | X X X | 136,735 | 127,851 | 127,629 | 126,023 | 125,826 | 125,748 | 126,015
`| "4. "`1989` | X X X | X X X | 161,136 | 152,034 | 150,820 | 151,861 | 151,951 | 152,018
`| "5. "`1990` | X X X | X X X | X X X | 148,750 | 139,518 | 140,024 | 140,055 | 141,695
`| "6. "`1991` | X X X | X X X | X X X | X X X | 177,601 | 165,548 | 165,009 | 166,717
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 193,601 | 181,168 | 183,515
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 110,806 | 104,587
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 124,849
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
- - -----------------------------#-----------------------------#
| Development |
- - -#-------------#-------------|--------------#--------------|
| 10 | 11 | 12 | 13 |
| 1995 | 1996 | One Year | Two Year |
| | | | |
- - -|-------------|-------------|--------------|--------------|
| 31,608 | 31,958 | 350 | 256 |
| 126,768 | 126,586 | (182)| (208)|
| 125,869 | 125,871 | 2 | (144)|
| 152,366 | 152,344 | (22)| 326 |
| 142,073 | 142,181 | 108 | 486 |
| 166,127 | 166,120 | (7)| (597)|
| 184,399 | 184,560 | 161 | 1,045 |
| 105,237 | 105,300 | 63 | 713 |
| 127,143 | 128,273 | 1,130 | 3,424 |
| 103,121 | 102,632 | (489)| X X X |
| X X X | 152,763 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
`12.`Totals"| 1,114 | 5,301 |
------------------------------
SCHEDULE P - PART 2B - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 223,033 | 245,172 | 250,801 | 254,563 | 262,004 | 273,649 | 276,058 | 268,871
`| "2. "`1987` | 304,791 | 309,797 | 311,423 | 311,998 | 307,810 | 311,615 | 313,035 | 310,356
`| "3. "`1988` | X X X | 290,352 | 306,371 | 307,939 | 303,789 | 309,816 | 308,953 | 304,613
`| "4. "`1989` | X X X | X X X | 316,824 | 329,170 | 319,809 | 323,141 | 322,897 | 323,560
`| "5. "`1990` | X X X | X X X | X X X | 347,460 | 335,626 | 316,671 | 321,866 | 321,294
`| "6. "`1991` | X X X | X X X | X X X | X X X | 385,248 | 360,209 | 349,892 | 343,261
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 292,169 | 284,470 | 264,871
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 261,413 | 254,678
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 237,688
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
- - -#-------------#-------------#--------------#--------------#
| 270,864 | 267,228 | (3,636)| (1,643)|
| 310,226 | 310,720 | 494 | 364 |
| 304,145 | 304,786 | 641 | 173 |
| 322,934 | 323,040 | 106 | (520)|
| 320,736 | 319,440 | (1,296)| (1,854)|
| 340,812 | 339,335 | (1,477)| (3,926)|
| 263,913 | 264,244 | 331 | (627)|
| 252,423 | 252,235 | (188)| (2,443)|
| 241,491 | 240,151 | (1,340)| 2,463 |
| 226,608 | 229,530 | 2,922 | X X X |
| X X X | 208,391 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
`12.`Totals"| (3,443)| (8,013)|
--------------->-------------->
SCHEDULE P - PART 2C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 321,646 | 322,062 | 325,335 | 349,411 | 344,798 | 350,704 | 350,609 | 347,272
`| "2. "`1987` | 391,334 | 355,821 | 314,506 | 308,358 | 303,308 | 302,538 | 305,408 | 305,149
`| "3. "`1988` | X X X | 283,122 | 291,544 | 301,662 | 286,355 | 285,382 | 284,706 | 287,019
`| "4. "`1989` | X X X | X X X | 302,863 | 269,923 | 282,409 | 279,507 | 274,040 | 272,961
`| "5. "`1990` | X X X | X X X | X X X | 272,448 | 282,049 | 267,172 | 259,560 | 253,921
`| "6. "`1991` | X X X | X X X | X X X | X X X | 264,859 | 249,102 | 229,267 | 221,433
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 208,350 | 188,223 | 183,570
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 160,600 | 153,203
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 140,667
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
- - -#-------------#-------------#--------------#--------------#
| 345,925 | 346,519 | 594 | (753)|
| 302,479 | 301,776 | (703)| (3,373)|
| 285,769 | 285,926 | 157 | (1,093)|
| 272,516 | 272,427 | (89)| (534)|
| 255,517 | 257,093 | 1,576 | 3,172 |
| 218,939 | 218,860 | (79)| (2,573)|
| 191,709 | 190,321 | (1,388)| 6,751 |
| 150,786 | 146,118 | (4,668)| (7,085)|
| 148,705 | 144,555 | (4,150)| 3,888 |
| 136,308 | 143,846 | 7,538 | X X X |
| X X X | 143,783 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
`12.`Totals"| (1,211)| (1,599)|
--------------->-------------->
SCHEDULE P - PART 2D - WORKERS' COMPENSATION
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 1,081,905 | 1,196,411 | 1,322,231 | 1,529,410 | 1,610,860 | 1,651,740 | 1,664,858 | 1,640,434
`| "2. "`1987` | 528,390 | 535,709 | 533,025 | 582,277 | 591,055 | 593,104 | 600,640 | 601,945
`| "3. "`1988` | X X X | 547,255 | 566,395 | 649,353 | 662,294 | 665,861 | 659,412 | 655,142
`| "4. "`1989` | X X X | X X X | 610,914 | 666,961 | 748,530 | 730,721 | 741,083 | 729,070
`| "5. "`1990` | X X X | X X X | X X X | 657,094 | 646,861 | 664,560 | 654,378 | 643,773
`| "6. "`1991` | X X X | X X X | X X X | X X X | 516,236 | 523,835 | 479,995 | 477,928
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 323,139 | 314,115 | 306,960
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 155,557 | 148,923
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 124,711
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
- - -#-------------#-------------#--------------#--------------#
| 1,625,536 | 1,617,666 | (7,870)| (22,768)|
| 586,403 | 590,490 | 4,087 | (11,455)|
| 652,419 | 647,007 | (5,412)| (8,135)|
| 718,122 | 703,049 | (15,073)| (26,021)|
| 635,251 | 619,271 | (15,980)| (24,502)|
| 472,616 | 453,690 | (18,926)| (24,238)|
| 308,640 | 292,664 | (15,976)| (14,296)|
| 146,679 | 139,378 | (7,301)| (9,545)|
| 129,356 | 124,418 | (4,938)| (293)|
| 140,535 | 136,746 | (3,789)| X X X |
| X X X | 150,642 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
`12.`Totals"| (91,178)| (141,253)|
--------------->-------------->
SCHEDULE P - PART 2E - COMMERCIAL MULTIPLE PERIL
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 167,801 | 196,299 | 217,295 | 231,839 | 248,073 | 248,558 | 254,365 | 264,506
`| "2. "`1987` | 169,796 | 146,449 | 152,706 | 182,449 | 183,979 | 192,505 | 193,336 | 191,978
`| "3. "`1988` | X X X | 328,658 | 307,656 | 304,487 | 303,271 | 312,866 | 312,959 | 315,982
`| "4. "`1989` | X X X | X X X | 458,116 | 435,566 | 420,114 | 404,101 | 414,981 | 412,365
`| "5. "`1990` | X X X | X X X | X X X | 444,097 | 466,286 | 456,981 | 446,101 | 446,810
`| "6. "`1991` | X X X | X X X | X X X | X X X | 432,035 | 417,797 | 413,224 | 406,445
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 417,018 | 383,326 | 377,610
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 376,986 | 371,140
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 418,555
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
- - -#-------------#-------------#--------------#--------------#
| 267,107 | 266,956 | (151)| 2,450 |
| 192,790 | 194,447 | 1,657 | 2,469 |
| 318,517 | 320,767 | 2,250 | 4,785 |
| 410,828 | 410,388 | (440)| (1,977)|
| 450,995 | 445,388 | (5,607)| (1,422)|
| 400,514 | 399,728 | (786)| (6,717)|
| 376,841 | 380,245 | 3,404 | 2,635 |
| 374,486 | 371,898 | (2,588)| 758 |
| 416,887 | 414,542 | (2,345)| (4,013)|
| 422,917 | 423,264 | 347 | X X X |
| X X X | 496,297 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
`12.`Totals"| (4,259)| (1,032)|
--------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 2F - SECTION 1 - MEDICAL MALPRACTICE - OCCURRENCE
!-------------------#--------------------------------------------------------------------------------------------------------------
| 1 | INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END ($000 OMITTED)
| |-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
| Years in Which | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9
| Losses Were | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994
| Incurred | | | | | | | |
|-------------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|------------
`| "1. "`Prior` | 42,878 | 49,087 | 49,890 | 48,745 | 41,658 | 39,453 | 44,083 | 46,680
`| "2. "`1987` | 7 | 123 | 15 | 17 | 17 | 17 | 17 | 17
`| "3. "`1988` | X X X | 164 | 13 | 37 | 38 | 43 | 43 | 176
`| "4. "`1989` | X X X | X X X | 10 | 20 | 24 | 24 | 24 | 168
`| "5. "`1990` | X X X | X X X | X X X | 10 | 0 | 356 | 358 | 429
`| "6. "`1991` | X X X | X X X | X X X | X X X | 3 | 0 | 35 | 132
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0 | 16
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 0
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
"""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
- - -----------------------------#-----------------------------#
| Development |
- - -#-------------#-------------|--------------#--------------|
| 10 | 11 | 12 | 13 |
| 1995 | 1996 | One Year | Two Year |
| | | | |
- - -|-------------|-------------|--------------|--------------|
| 44,843 | 43,483 | (1,360)| (3,197)|
| 17 | 17 | 0 | 0 |
| 176 | 176 | 0 | 0 |
| 168 | 168 | 0 | 0 |
| 429 | 429 | 0 | 0 |
| 133 | 133 | 0 | 1 |
| 16 | 16 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 4 | 4 | (0)| X X X |
| X X X | 13 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
"""`12.`Totals"| (1,360)| (3,196)|
--------------->-------------->
SCHEDULE P - PART 2F - SECTION 2 - MEDICAL MALPRACTICE - CLAIMS-MADE
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 529 | 378 | 397 | 397 | 305 | 305 | 305 | 305
`| "2. "`1987` | 0 | 0 | 95 | 112 | 88 | 88 | 48 | 88
`| "3. "`1988` | X X X | 0 | 198 | 409 | 236 | 231 | 295 | 241
`| "4. "`1989` | X X X | X X X | 176 | 197 | 210 | 378 | 424 | 290
`| "5. "`1990` | X X X | X X X | X X X | 80 | 191 | 333 | 304 | 277
`| "6. "`1991` | X X X | X X X | X X X | X X X | 224 | 224 | 224 | 139
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 191 | 191 | 175
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 40 | 48
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 0
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
" " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " "
- - -#-------------#-------------#--------------#--------------#
| 305 | 305 | 0 | 0 |
| 88 | 88 | 0 | 0 |
| 381 | 381 | 0 | 140 |
| 308 | 308 | 0 | 18 |
| 302 | 302 | 0 | 25 |
| 139 | 139 | 0 | 0 |
| 175 | 175 | 0 | 0 |
| 49 | 49 | 0 | 1 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | X X X |
| X X X | 0 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
" " " " " " " "`12.`Totals "| 0 | 184 |
--------------->-------------->
SCHEDULE P - PART 2G - SPECIAL LIABILITY (OCEAN MARINE, AIRCRAFT
(ALL PERILS), BOILER AND MACHINERY)
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 16,081 | 17,662 | 18,205 | 17,233 | 15,955 | 15,601 | 15,443 | 15,503
`| "2. "`1987` | 34,199 | 33,346 | 33,152 | 31,094 | 30,500 | 31,021 | 31,097 | 31,072
`| "3. "`1988` | X X X | 33,994 | 27,941 | 26,529 | 25,407 | 25,698 | 25,583 | 26,038
`| "4. "`1989` | X X X | X X X | 28,336 | 25,561 | 24,421 | 24,419 | 24,753 | 24,449
`| "5. "`1990` | X X X | X X X | X X X | 24,440 | 21,880 | 21,355 | 20,838 | 20,508
`| "6. "`1991` | X X X | X X X | X X X | X X X | 21,188 | 20,078 | 19,310 | 18,720
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 14,494 | 11,410 | 10,709
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 13,251 | 12,223
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 23,396
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
"""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
- - -#-------------#-------------#--------------#--------------#
| 15,947 | 15,984 | 37 | 481 |
| 30,740 | 30,661 | (79)| (411)|
| 25,447 | 25,506 | 59 | (532)|
| 24,336 | 24,183 | (153)| (266)|
| 20,303 | 20,375 | 72 | (133)|
| 18,609 | 18,452 | (157)| (268)|
| 11,168 | 11,699 | 531 | 990 |
| 12,214 | 11,962 | (252)| (261)|
| 19,380 | 18,766 | (614)| (4,630)|
| 15,466 | 15,160 | (306)| X X X |
| X X X | 17,693 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
"""""`12.`Totals"| (862)| (5,030)|
--------------->-------------->
SCHEDULE P - PART 2H - SECTION 1 - OTHER LIABILITY - OCCURRENCE
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 577,199 | 617,452 | 641,866 | 670,095 | 742,041 | 801,414 | 872,842 | 911,088
`| "2. "`1987` | 304,479 | 290,562 | 251,419 | 237,160 | 243,973 | 257,103 | 244,529 | 239,423
`| "3. "`1988` | X X X | 221,807 | 186,050 | 223,022 | 170,605 | 182,232 | 166,662 | 167,931
`| "4. "`1989` | X X X | X X X | 148,722 | 146,744 | 144,171 | 131,353 | 123,285 | 122,390
`| "5. "`1990` | X X X | X X X | X X X | 158,238 | 162,112 | 159,602 | 135,630 | 134,170
`| "6. "`1991` | X X X | X X X | X X X | X X X | 117,691 | 119,176 | 100,542 | 102,021
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 79,111 | 70,653 | 67,306
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 62,750 | 64,680
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 62,989
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
- - -#-------------#-------------#--------------#--------------#
| 911,818 | 942,416 | 30,598 | 31,328 |
| 236,409 | 237,489 | 1,080 | (1,934)|
| 161,151 | 162,620 | 1,469 | (5,311)|
| 120,974 | 119,470 | (1,504)| (2,920)|
| 138,329 | 132,969 | (5,360)| (1,201)|
| 105,125 | 98,925 | (6,200)| (3,096)|
| 66,230 | 64,611 | (1,619)| (2,695)|
| 60,506 | 58,240 | (2,266)| (6,440)|
| 60,933 | 61,684 | 751 | (1,305)|
| 65,756 | 68,531 | 2,775 | X X X |
| X X X | 73,011 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
""""""`12.`Totals"| 19,724 | 6,426 |
--------------->-------------->
SCHEDULE P - PART 2H - SECTION 2 - OTHER LIABILITY - CLAIMS-MADE
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 25 | (43)| (59)| (695)| (116)| 84 | 232 | 768
`| "2. "`1987` | 8 | 0 | 0 | (6)| (6)| (6)| (3)| 182
`| "3. "`1988` | X X X | 205 | 216 | 295 | 813 | 626 | 629 | 656
`| "4. "`1989` | X X X | X X X | 652 | 729 | 754 | 756 | 742 | 887
`| "5. "`1990` | X X X | X X X | X X X | 481 | 433 | 443 | 1,068 | 984
`| "6. "`1991` | X X X | X X X | X X X | X X X | 982 | 613 | 789 | 699
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 1,467 | 1,274 | 1,159
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 602 | 388
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 1,696
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
- - -#-------------#-------------#--------------#--------------#
| 636 | 4,347 | 3,711 | 3,579 |
| 914 | 222 | (692)| 40 |
| 3,619 | 711 | (2,908)| 55 |
| 1,556 | 1,032 | (524)| 145 |
| 1,737 | 1,175 | (562)| 191 |
| 1,380 | 848 | (532)| 149 |
| 1,269 | 1,355 | 86 | 196 |
| 893 | 1,114 | 221 | 726 |
| 1,386 | 1,410 | 24 | (286)|
| 3,060 | 759 | (2,301)| X X X |
| X X X | 4,799 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
""""""""""""`12.`Totals"| (3,477)| 4,795 |
--------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 2I - SPECIAL PROPERTY (FIRE, ALLIED LINES, INLAND MARINE,
EARTHQUAKE, GLASS, BURGLARY AND THEFT)
!-------------------#--------------------------------------------------------------------------------------------------------------
| 1 | INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END ($000 OMITTED)
| |-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
| Years in Which | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9
| Losses Were | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994
| Incurred | | | | | | | |
|-------------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|------------
`| "1. "`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 69,802
`| "2. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`| "3. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
- - -----------------------------#-----------------------------#
| Development |
- - -#-------------#-------------|--------------#--------------|
| 10 | 11 | 12 | 13 |
| 1995 | 1996 | One Year | Two Year |
| | | | |
- - -|-------------|-------------|--------------|--------------|
| 64,135 | 59,085 | (5,050)| (10,717)|
| 71,387 | 69,528 | (1,859)| X X X |
| X X X | 106,314 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
"""""""""""""""`4.`Totals"`| (6,909)| (10,717)|
--------------->-------------->
SCHEDULE P - PART 2J - AUTO PHYSICAL DAMAGE
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 31,616
`| "2. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`| "3. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
"""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
- - -#-------------#-------------#--------------#--------------#
| 30,729 | 27,164 | (3,565)| (4,452)|
| 134,601 | 134,202 | (399)| X X X |
| X X X | 139,422 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
"""`4.`Totals"`| (3,964)| (4,452)|
--------------->-------------->
SCHEDULE P - PART 2K - FIDELITY/SURETY
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 49,839
`| "2. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`| "3. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
- - -#-------------#-------------#--------------#--------------#
| 63,936 | 64,489 | 553 | 14,650 |
| 37,505 | 44,130 | 6,625 | X X X |
| X X X | 48,134 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
""""""""`4.`Totals"`| 7,178 | 14,650 |
--------------->-------------->
SCHEDULE P - PART 2L - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 146
`| "2. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`| "3. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
" " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " "
- - -#-------------#-------------#--------------#--------------#
| 109 | 448 | 339 | 302 |
| 19 | 31 | 12 | X X X |
| X X X | 22 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
" " " " " " " "`4.`Totals "`| 351 | 302 |
--------------->-------------->
SCHEDULE P - PART 2M - INTERNATIONAL
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`| "2. "`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`| "3. "`1988` | X X X | 18,581 | 18,142 | 17,663 | 15,821 | 16,002 | 16,042 | 15,837
`| "4. "`1989` | X X X | X X X | 13,397 | 13,678 | 13,166 | 12,957 | 12,682 | 12,634
`| "5. "`1990` | X X X | X X X | X X X | 13,549 | 14,227 | 13,373 | 11,855 | 11,729
`| "6. "`1991` | X X X | X X X | X X X | X X X | 12,266 | 11,005 | 9,587 | 9,475
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 4,919 | 5,134 | 4,373
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 10,048 | 10,090
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 59,360
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
"""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
- - -#-------------#-------------#--------------#--------------#
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 15,813 | 15,331 | (482)| (506)|
| 12,638 | 12,347 | (291)| (287)|
| 11,791 | 11,574 | (217)| (155)|
| 9,579 | 8,621 | (958)| (854)|
| 3,865 | 3,843 | (22)| (530)|
| 8,808 | 7,067 | (1,741)| (3,023)|
| 59,170 | 51,324 | (7,846)| (8,036)|
| 108,525 | 101,661 | (6,864)| X X X |
| X X X | 129,338 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
"""""""""`12.`Totals"| (18,421)| (13,391)|
--------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 2N - REINSURANCE A
!-------------------#--------------------------------------------------------------------------------------------------------------
| 1 | INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END ($000 OMITTED)
| |-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
| Years in Which | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9
| Losses Were | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994
| Incurred | | | | | | | |
|-------------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|------------
`| "1. "`1988` | X X X | 34,100 | 28,393 | 25,499 | 15,105 | 14,671 | 15,673 | 15,892
`| "2. "`1989` | X X X | X X X | 24,435 | 26,489 | 25,917 | 25,756 | 19,376 | 17,716
`| "3. "`1990` | X X X | X X X | X X X | 26,318 | 27,156 | 26,452 | 15,630 | 13,776
`| "4. "`1991` | X X X | X X X | X X X | X X X | 36,977 | 30,203 | 14,467 | 12,857
`| "5. "`1992` | X X X | X X X | X X X | X X X | X X X | 30,035 | 25,947 | 13,826
`| "6. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 39,518 | 34,997
`| "7. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 44,637
`| "8. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
- - -----------------------------#-----------------------------#
| Development |
- - -#-------------#-------------|--------------#--------------|
| 10 | 11 | 12 | 13 |
| 1995 | 1996 | One Year | Two Year |
| | | | |
- - -|-------------|-------------|--------------|--------------|
| 15,472 | 15,268 | (204)| (624)|
| 17,992 | 17,487 | (505)| (229)|
| 14,098 | 14,170 | 72 | 394 |
| 12,057 | 10,970 | (1,087)| (1,887)|
| 12,681 | 12,081 | (600)| (1,745)|
| 14,310 | 12,736 | (1,574)| (22,261)|
| 33,917 | 21,366 | (12,551)| (23,271)|
| 41,879 | 33,786 | (8,093)| X X X |
| X X X | 24,714 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
""""""""""""""""`10.`Totals"| (24,542)| (49,623)|
--------------->-------------->
SCHEDULE P - PART 2O - REINSURANCE B
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`1988` | X X X | 21,132 | 18,019 | 15,891 | 8,671 | 8,506 | 9,222 | 9,254
`| "2. "`1989` | X X X | X X X | 20,774 | 20,740 | 19,070 | 19,009 | 17,682 | 17,168
`| "3. "`1990` | X X X | X X X | X X X | 11,804 | 12,076 | 12,087 | 9,180 | 8,751
`| "4. "`1991` | X X X | X X X | X X X | X X X | 13,104 | 12,164 | 7,008 | 6,216
`| "5. "`1992` | X X X | X X X | X X X | X X X | X X X | 24,398 | 21,163 | 16,675
`| "6. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 15,174 | 15,134
`| "7. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 111,651
`| "8. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
- - -#-------------#-------------#--------------#--------------#
| 9,012 | 8,850 | (162)| (404)|
| 17,784 | 16,984 | (800)| (184)|
| 8,700 | 8,784 | 84 | 33 |
| 5,819 | 4,886 | (933)| (1,330)|
| 15,544 | 15,403 | (141)| (1,272)|
| 10,764 | 10,487 | (277)| (4,647)|
| 91,927 | 84,595 | (7,332)| (27,056)|
| 46,679 | 39,953 | (6,727)| X X X |
| X X X | 43,063 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
""""""""""`10.`Totals"| (16,288)| (34,860)|
--------------->-------------->
SCHEDULE P - PART 2P - REINSURANCE C
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`1988` | X X X | 0 | 200 | 200 | 200 | 200 | 401 | 394
`| "2. "`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0 | 0
`| "3. "`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0 | 0
`| "4. "`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0 | 0
`| "5. "`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0 | 0
`| "6. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`| "7. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 0
`| "8. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
" " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " "
- - -#-------------#-------------#--------------#--------------#
| 394 | 443 | 49 | 49 |
| (405)| 0 | 405 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 1,486 | 1,216 | (270)| X X X |
| X X X | 899 | X X X | X X X |
- - ->------------->-------------|--------------|--------------|
" " " " " " " "`10.`Totals "| 184 | 49 |
--------------->-------------->
SCHEDULE P - PART 2Q - REINSURANCE D
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 12,421 | 11,911 | 11,578 | 12,102 | 11,233 | 11,389 | 10,231 | 10,336
`| "2. "`1987` | 39,253 | 36,884 | 36,116 | 36,095 | 33,673 | 33,196 | 33,746 | 33,752
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
" " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " " "
- - -#-------------#-------------#--------------#--------------#
| 10,558 | 10,658 | 100 | 322 |
| 33,613 | 33,927 | 314 | 175 |
- - ->------------->-------------|--------------|--------------|
" " " " " " " " "3.`Totals "| 414 | 497 |
--------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 2R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE
!-------------------#--------------------------------------------------------------------------------------------------------------
| 1 | INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END ($000 OMITTED)
| |-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
| Years in Which | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9
| Losses Were | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994
| Incurred | | | | | | | |
|-------------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|------------
`| "1. "`Prior` | 97,843 | 120,285 | 126,435 | 142,053 | 158,537 | 162,747 | 180,222 | 186,420
`| "2. "`1987` | 31,769 | 30,772 | 32,980 | 34,006 | 29,612 | 28,674 | 32,160 | 34,264
`| "3. "`1988` | X X X | 21,475 | 22,525 | 28,761 | 18,114 | 19,826 | 23,523 | 24,635
`| "4. "`1989` | X X X | X X X | 18,447 | 19,272 | 14,518 | 14,585 | 16,861 | 16,836
`| "5. "`1990` | X X X | X X X | X X X | 13,429 | 11,459 | 11,088 | 11,645 | 11,419
`| "6. "`1991` | X X X | X X X | X X X | X X X | 10,317 | 11,241 | 12,329 | 14,724
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 7,732 | 6,729 | 7,334
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 7,244 | 6,017
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 4,402
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
- - -----------------------------#-----------------------------#
| Development |
- - -#-------------#-------------|--------------#--------------|
| 10 | 11 | 12 | 13 |
| 1995 | 1996 | One Year | Two Year |
| | | | |
- - -|-------------|-------------|--------------|--------------|
| 189,181 | 190,591 | 1,410 | 4,171 |
| 33,958 | 34,596 | 638 | 332 |
| 25,235 | 24,713 | (522)| 78 |
| 16,561 | 16,079 | (482)| (757)|
| 11,438 | 10,495 | (943)| (924)|
| 15,768 | 15,629 | (139)| 905 |
| 7,620 | 7,300 | (320)| (34)|
| 6,218 | 7,259 | 1,041 | 1,242 |
| 3,416 | 2,318 | (1,098)| (2,084)|
| 3,021 | 3,134 | 113 | X X X |
| X X X | 3,281 | X X X | X X X |
- - -------------->-------------|--------------|--------------|
`12.`Totals"| (302)| 2,929 |
--------------->-------------->
SCHEDULE P - PART 2R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS-MADE
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0
`| "2. "`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`| "3. "`1988` | X X X | 7 | 12 | 13 | 13 | 13 | 13 | 13
`| "4. "`1989` | X X X | X X X | 1 | 12 | 18 | 18 | 20 | 18
`| "5. "`1990` | X X X | X X X | X X X | 120 | 239 | 340 | 426 | 427
`| "6. "`1991` | X X X | X X X | X X X | X X X | 208 | 164 | 184 | 176
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 91 | 379 | 31
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 870 | 2,778
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 69
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
- - -#-------------#-------------#--------------#--------------#
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 25 | 34 | 9 | 21 |
| 45 | 54 | 9 | 36 |
| 471 | 446 | (25)| 19 |
| 199 | 205 | 6 | 29 |
| 46 | 43 | (3)| 12 |
| 3,038 | 3,161 | 123 | 383 |
| 697 | 550 | (147)| 481 |
| 259 | 81 | (178)| X X X |
| X X X | 18 | X X X | X X X |
- - -------------->-------------|--------------|--------------|
`12.`Totals"| (206)| 981 |
--------------->-------------->
SCHEDULE P - PART 2S - FINANCIAL GUARANTY/MORTGAGE GUARANTY
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 675
`| " " "`10`Yr`Prior`| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`| " " "`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`| " " "`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0 | 0
`| " " "`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0 | 0
`| " " "`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0 | 0
`| " " "`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0 | 0
`| " " "`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0 | 0
`| " " "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`| " " "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 35
`| "2. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`| "3. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
"""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
- - -#-------------#-------------#--------------#--------------#
| 292 | (40)| (332)| (715)|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| (1)| 0 | 1 | (35)|
| 29 | 0 | (29)| X X X |
| X X X | (245)| X X X | X X X |
- - --------------->-------------|--------------|--------------|
4.`Totals"| (360)| (715)|
--------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 3A - HOMEOWNERS/FARMOWNERS
!-------------------#--------------------------------------------------------------------------------------------------------------
| 1 | CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END ($000 OMITTED)
| |-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
| Years in Which | | | | | | | |
| Losses Were | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994
| | | | | | | | |
|-------------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|------------
`| "1. "`Prior` | 000 | 12,303 | 20,022 | 23,519 | 26,775 | 28,025 | 29,107 | 30,534
`| "2. "`1987` | 81,167 | 110,930 | 116,296 | 119,779 | 121,830 | 123,370 | 124,308 | 124,802
`| "3. "`1988` | X X X | 82,160 | 113,632 | 117,560 | 121,324 | 122,770 | 124,064 | 124,549
`| "4. "`1989` | X X X | X X X | 99,281 | 139,429 | 144,266 | 147,076 | 149,106 | 149,971
`| "5. "`1990` | X X X | X X X | X X X | 93,167 | 127,235 | 132,665 | 135,782 | 138,181
`| "6. "`1991` | X X X | X X X | X X X | X X X | 113,582 | 151,510 | 157,213 | 161,119
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 126,000 | 167,477 | 174,935
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 74,300 | 95,473
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 91,779
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -----------------------------#-------------#-------------#
| 12 | 13 |
- - -#-------------#-------------| Number of | Number of |
| | | Claims | Claims |
| 10 | 11 | Closed | Closed |
| 1995 | 1996 | With Loss | Without |
| | | Payment |Loss Payment |
- - -|-------------|-------------|-------------|-------------|
| 30,800 | 30,914 | 1,370 | 917 |
| 124,957 | 125,279 | 48,563 | 13,951 |
| 124,800 | 124,964 | 45,355 | 13,806 |
| 150,451 | 151,295 | 58,036 | 17,014 |
| 139,247 | 140,761 | 50,648 | 16,114 |
| 162,679 | 163,354 | 56,267 | 18,082 |
| 179,036 | 181,108 | 48,947 | 16,346 |
| 100,004 | 101,892 | 40,551 | 14,508 |
| 116,309 | 121,730 | 45,460 | 13,589 |
| 64,447 | 92,701 | 31,280 | 10,762 |
| X X X | 114,425 | 42,602 | 13,832 |
- - --------------->------------->------------->------------->
SCHEDULE P - PART 3B - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 000 | 108,485 | 179,353 | 211,192 | 228,528 | 235,163 | 240,784 | 244,249
`| "2. "`1987` | 104,327 | 201,126 | 250,938 | 281,233 | 295,486 | 299,963 | 305,518 | 307,167
`| "3. "`1988` | X X X | 97,953 | 198,613 | 248,864 | 278,369 | 289,753 | 296,001 | 300,006
`| "4. "`1989` | X X X | X X X | 101,192 | 212,293 | 265,295 | 292,120 | 306,485 | 314,861
`| "5. "`1990` | X X X | X X X | X X X | 104,882 | 213,998 | 254,821 | 286,373 | 304,196
`| "6. "`1991` | X X X | X X X | X X X | X X X | 108,560 | 216,732 | 277,512 | 309,305
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 85,873 | 171,685 | 210,176
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 83,315 | 158,817
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 78,675
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -#-------------#-------------#-------------#-------------#
| 247,181 | 249,655 | 14,443 | 6,106 |
| 308,177 | 308,691 | 97,856 | 37,906 |
| 301,689 | 302,073 | 93,280 | 35,819 |
| 318,436 | 319,598 | 92,761 | 35,801 |
| 310,254 | 312,768 | 87,209 | 33,602 |
| 321,938 | 330,053 | 78,934 | 32,161 |
| 236,614 | 250,580 | 65,594 | 28,162 |
| 203,719 | 227,922 | 55,635 | 23,865 |
| 150,228 | 193,782 | 50,843 | 23,019 |
| 79,481 | 151,102 | 46,528 | 21,955 |
| X X X | 71,744 | 33,553 | 16,030 |
- - --------------->------------->------------->------------->
SCHEDULE P - PART 3C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 000 | 142,444 | 231,936 | 285,571 | 310,092 | 328,077 | 334,900 | 339,521
`| "2. "`1987` | 61,095 | 145,291 | 203,988 | 245,594 | 274,061 | 285,955 | 292,793 | 296,674
`| "3. "`1988` | X X X | 60,080 | 139,053 | 201,965 | 243,146 | 260,397 | 268,986 | 277,713
`| "4. "`1989` | X X X | X X X | 51,868 | 127,921 | 193,076 | 229,864 | 248,073 | 259,743
`| "5. "`1990` | X X X | X X X | X X X | 51,439 | 132,153 | 177,937 | 211,206 | 230,879
`| "6. "`1991` | X X X | X X X | X X X | X X X | 43,431 | 104,957 | 151,165 | 182,233
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 31,098 | 73,152 | 118,777
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 25,880 | 63,242
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 27,266
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -#-------------#-------------#-------------#-------------#
| 340,100 | 341,618 | 8,644 | 4,378 |
| 297,924 | 298,696 | 52,099 | 21,750 |
| 279,906 | 282,319 | 47,377 | 19,441 |
| 264,459 | 268,560 | 43,971 | 17,506 |
| 241,591 | 248,006 | 39,858 | 16,644 |
| 200,444 | 210,293 | 32,125 | 14,715 |
| 158,595 | 173,677 | 27,161 | 13,490 |
| 100,923 | 122,358 | 22,283 | 11,354 |
| 65,078 | 98,744 | 20,510 | 10,094 |
| 28,194 | 67,476 | 16,585 | 8,420 |
| X X X | 28,906 | 13,027 | 6,615 |
- - --------------->------------->------------->------------->
SCHEDULE P - PART 3D - WORKERS' COMPENSATION
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 000 | 230,323 | 384,402 | 510,083 | 616,017 | 694,484 | 764,949 | 845,987
`| "2. "`1987` | 127,476 | 262,831 | 330,325 | 378,370 | 419,643 | 440,887 | 453,900 | 466,879
`| "3. "`1988` | X X X | 132,278 | 279,538 | 367,993 | 424,742 | 461,087 | 481,115 | 497,719
`| "4. "`1989` | X X X | X X X | 132,318 | 307,603 | 412,167 | 471,076 | 511,904 | 537,667
`| "5. "`1990` | X X X | X X X | X X X | 131,068 | 279,877 | 365,754 | 420,467 | 449,608
`| "6. "`1991` | X X X | X X X | X X X | X X X | 102,910 | 208,085 | 270,790 | 309,820
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 66,055 | 137,483 | 175,188
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 30,004 | 62,080
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 21,887
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -#-------------#-------------#-------------#-------------#
| 912,114 | 950,453 | 26,026 | 4,553 |
| 477,517 | 484,428 | 39,786 | 4,007 |
| 513,821 | 522,959 | 42,694 | 4,327 |
| 550,910 | 562,384 | 44,652 | 4,871 |
| 464,146 | 478,185 | 41,632 | 4,679 |
| 327,157 | 341,644 | 35,907 | 4,734 |
| 197,693 | 216,724 | 27,545 | 4,585 |
| 78,291 | 94,529 | 18,483 | 3,096 |
| 53,776 | 74,136 | 14,216 | 2,488 |
| 25,179 | 60,851 | 10,103 | 1,566 |
| X X X | 34,680 | 6,090 | 1,106 |
- - --------------->------------->------------->------------->
SCHEDULE P - PART 3E - COMMERCIAL MULTIPLE PERIL
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 000 | 68,635 | 119,662 | 163,297 | 189,473 | 212,194 | 224,476 | 231,872
`| "2. "`1987` | 53,661 | 89,211 | 107,156 | 123,977 | 156,006 | 172,963 | 177,270 | 180,526
`| "3. "`1988` | X X X | 76,340 | 144,648 | 174,450 | 214,079 | 243,297 | 263,206 | 277,784
`| "4. "`1989` | X X X | X X X | 107,105 | 191,421 | 249,666 | 292,770 | 326,053 | 349,041
`| "5. "`1990` | X X X | X X X | X X X | 118,896 | 204,136 | 255,940 | 302,906 | 340,160
`| "6. "`1991` | X X X | X X X | X X X | X X X | 114,986 | 180,550 | 229,123 | 269,987
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 102,008 | 180,206 | 221,046
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 110,882 | 179,790
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 131,051
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -#-------------#-------------#-------------#-------------#
| 241,738 | 246,982 | 5,097 | 5,431 |
| 183,313 | 185,593 | 21,743 | 12,073 |
| 288,373 | 292,797 | 38,134 | 21,468 |
| 363,834 | 374,018 | 51,462 | 28,190 |
| 375,334 | 390,136 | 49,264 | 29,271 |
| 302,707 | 322,678 | 45,577 | 28,987 |
| 258,941 | 292,804 | 41,173 | 27,422 |
| 223,255 | 263,918 | 43,066 | 30,055 |
| 212,733 | 261,197 | 47,674 | 32,842 |
| 126,684 | 209,705 | 43,872 | 30,069 |
| X X X | 158,487 | 40,222 | 25,537 |
- - --------------->------------->------------->------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 3F - SECTION 1 - MEDICAL MALPRACTICE - OCCURRENCE
!-------------------#--------------------------------------------------------------------------------------------------------------
| 1 | CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END ($000 OMITTED)
| |-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
| Years in Which | | | | | | | |
| Losses Were | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994
| | | | | | | | |
|-------------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|------------
`| "1. "`Prior` | 000 | 11,296 | 19,403 | 25,645 | 27,175 | 30,296 | 32,222 | 34,070
`| "2. "`1987` | 7 | 7 | 11 | 17 | 17 | 17 | 17 | 17
`| "3. "`1988` | X X X | 0 | 0 | 4 | 38 | 43 | 43 | 176
`| "4. "`1989` | X X X | X X X | 8 | 7 | 24 | 24 | 24 | 168
`| "5. "`1990` | X X X | X X X | X X X | 0 | 0 | 19 | 358 | 429
`| "6. "`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 35 | 132
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0 | 16
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 0
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -----------------------------#-------------#-------------#
| 12 | 13 |
- - -#-------------#-------------| Number of | Number of |
| | | Claims | Claims |
| 10 | 11 | Closed | Closed |
| 1995 | 1996 | With Loss |Without Loss |
| | | Payment | Payment |
- - -|-------------|-------------|-------------|-------------|
| 38,765 | 40,599 | 427 | 467 |
| 17 | 17 | 2 | 3 |
| 176 | 176 | 2 | 2 |
| 167 | 168 | 2 | 2 |
| 428 | 429 | 1 | 3 |
| 133 | 133 | 1 | 0 |
| 15 | 16 | 0 | 0 |
| 0 | 0 | 0 | 1 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| X X X | 0 | 0 | 0 |
- - --------------->------------->------------->------------->
SCHEDULE P - PART 3F - SECTION 2 - MEDICAL MALPRACTICE - CLAIMS-MADE
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 000 | 362 | 397 | 397 | 305 | 305 | 305 | 305
`| "2. "`1987` | 0 | 0 | 0 | 24 | 24 | 24 | 24 | 24
`| "3. "`1988` | X X X | 0 | 1 | 101 | 117 | 120 | 141 | 141
`| "4. "`1989` | X X X | X X X | 1 | 9 | 25 | 240 | 255 | 255
`| "5. "`1990` | X X X | X X X | X X X | 1 | 10 | 99 | 266 | 266
`| "6. "`1991` | X X X | X X X | X X X | X X X | 0 | 4 | 9 | 9
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 3 | 3
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 0
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -#-------------#-------------#-------------#-------------#
| 305 | 305 | 7 | 1 |
| 24 | 24 | 0 | 0 |
| 219 | 219 | 0 | 0 |
| 257 | 258 | 0 | 2 |
| 265 | 265 | 0 | 0 |
| 15 | 15 | 0 | 0 |
| 38 | 38 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| X X X | 0 | 0 | 0 |
- - --------------->------------->------------->------------->
SCHEDULE P - PART 3G - SPECIAL LIABILITY (OCEAN MARINE, AIRCRAFT
(ALL PERILS), BOILER AND MACHINERY)
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 000 | 5,559 | 10,245 | 13,063 | 13,651 | 13,855 | 13,946 | 14,177
`| "2. "`1987` | 9,533 | 17,862 | 24,502 | 26,695 | 27,769 | 28,522 | 28,827 | 29,388
`| "3. "`1988` | X X X | 9,231 | 16,454 | 19,180 | 20,912 | 22,588 | 23,225 | 23,657
`| "4. "`1989` | X X X | X X X | 11,402 | 16,737 | 19,342 | 21,705 | 22,545 | 22,938
`| "5. "`1990` | X X X | X X X | X X X | 7,945 | 14,633 | 16,945 | 18,666 | 19,327
`| "6. "`1991` | X X X | X X X | X X X | X X X | 9,730 | 15,533 | 17,363 | 17,506
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 5,677 | 8,448 | 9,314
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 5,338 | 8,613
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 8,973
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -#-------------#-------------#-------------#-------------#
| 14,804 | 14,826 | X X X | X X X |
| 29,648 | 29,699 | X X X | X X X |
| 24,143 | 24,292 | X X X | X X X |
| 23,078 | 23,178 | X X X | X X X |
| 19,434 | 19,775 | X X X | X X X |
| 17,830 | 17,992 | X X X | X X X |
| 10,442 | 11,548 | X X X | X X X |
| 9,913 | 10,636 | X X X | X X X |
| 14,660 | 16,138 | X X X | X X X |
| 3,486 | 7,177 | X X X | X X X |
| X X X | 4,038 | X X X | X X X |
- - --------------->------------->------------->------------->
SCHEDULE P - PART 3H - SECTION 1 - OTHER LIABILITY - OCCURRENCE
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 000 | 159,788 | 313,859 | 425,171 | 499,885 | 552,778 | 613,470 | 654,956
`| "2. "`1987` | 21,818 | 52,420 | 87,499 | 122,123 | 157,422 | 173,081 | 190,522 | 198,401
`| "3. "`1988` | X X X | 10,761 | 27,514 | 48,724 | 72,687 | 102,251 | 114,779 | 124,652
`| "4. "`1989` | X X X | X X X | 8,733 | 21,122 | 36,345 | 52,958 | 65,520 | 80,578
`| "5. "`1990` | X X X | X X X | X X X | 11,619 | 25,544 | 48,198 | 65,946 | 75,342
`| "6. "`1991` | X X X | X X X | X X X | X X X | 5,929 | 15,617 | 27,507 | 41,441
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 3,682 | 8,472 | 16,937
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 3,122 | 9,074
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 4,508
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -#-------------#-------------#-------------#-------------#
| 682,642 | 713,283 | 9,075 | 11,144 |
| 203,030 | 204,463 | 16,761 | 11,673 |
| 128,679 | 132,204 | 13,000 | 8,216 |
| 87,768 | 91,580 | 8,419 | 6,180 |
| 86,808 | 92,631 | 8,234 | 7,167 |
| 50,730 | 59,186 | 5,857 | 5,031 |
| 23,619 | 29,667 | 3,223 | 3,192 |
| 17,951 | 23,446 | 2,306 | 2,257 |
| 9,740 | 16,878 | 1,927 | 2,263 |
| 4,408 | 10,577 | 1,645 | 2,336 |
| X X X | 3,864 | 1,272 | 2,234 |
- - --------------->------------->------------->------------->
SCHEDULE P - PART 3H - SECTION 2 - OTHER LIABILITY - CLAIMS-MADE
!------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------
`| "1. "`Prior` | 000 | 143 | 209 | 162 | 245 | 217 | 272 | 339
`| "2. "`1987` | 0 | 0 | 0 | (6)| (6)| (6)| (6)| (6)
`| "3. "`1988` | X X X | 69 | 111 | 218 | 225 | 626 | 626 | 626
`| "4. "`1989` | X X X | X X X | 248 | 446 | 640 | 687 | 730 | 762
`| "5. "`1990` | X X X | X X X | X X X | 143 | 269 | 285 | 949 | 984
`| "6. "`1991` | X X X | X X X | X X X | X X X | 159 | 234 | 301 | 469
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 88 | 854 | 915
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 85 | 142
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 124
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
------------------->------------->------------->------------->------------->------------->------------->------------->-------------
#-------------#-------------#-------------#-------------#
| 376 | 746 | 7 | 0 |
| (6)| (6)| 1 | 4 |
| 627 | 628 | 78 | 45 |
| 793 | 819 | 132 | 67 |
| 984 | 984 | 87 | 74 |
| 644 | 646 | 80 | 85 |
| 936 | 1,054 | 72 | 75 |
| 235 | 270 | 39 | 51 |
| 697 | 759 | 26 | 42 |
| 123 | 161 | 106 | 179 |
| X X X | 263 | 384 | 618 |
- - -------------->------------->------------->------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 3I - SPECIAL PROPERTY (FIRE, ALLIED LINES, INLAND MARINE,
EARTHQUAKE, GLASS, BURGLARY AND THEFT)
!-------------------#--------------------------------------------------------------------------------------------------------------
| 1 | CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END ($000 OMITTED)
| |-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
| Years in Which | | | | | | | |
| Losses Were | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994
| | | | | | | | |
|-------------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|------------
`| "1. "`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 000
`| "2. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`| "3. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -----------------------------#-------------#-------------#
| 12 | 13 |
- - -#-------------#-------------| Number of | Number of |
| | | Claims | Claims |
| 10 | 11 | Closed | Closed |
| 1995 | 1996 | With Loss |Without Loss |
| | | Payment | Payment |
- - -|-------------|-------------|-------------|-------------|
| 28,646 | 37,664 | X X X | X X X |
| 38,378 | 62,717 | X X X | X X X |
| X X X | 64,668 | X X X | X X X |
- - --------------->------------->------------->------------->
SCHEDULE P - PART 3J - AUTO PHYSICAL DAMAGE
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. `Prior` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 000
`| "2. `1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`| "3. `1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -#-------------#-------------#-------------#-------------#
| 16,336 | 17,254 | 7,570 | 2,038 |
| 113,069 | 131,141 | 79,864 | 19,406 |
| X X X | 121,242 | 77,992 | 17,742 |
- - --------------->------------->------------->------------->
SCHEDULE P - PART 3K - FIDELITY/SURETY
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. `Prior` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 000
`| "2. `1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`| "3. `1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -#-------------#-------------#-------------#-------------#
| 39,204 | 52,813 | X X X | X X X |
| 11,703 | 30,461 | X X X | X X X |
| X X X | 6,354 | X X X | X X X |
- - --------------->------------->------------->------------->
SCHEDULE P - PART 3L - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. `Prior` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 000
`| "2. `1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`| "3. `1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -#-------------#-------------#-------------#-------------#
| 26 | 66 | X X X | X X X |
| 7 | 25 | X X X | X X X |
| X X X | 0 | X X X | X X X |
- - --------------->------------->------------->------------->
SCHEDULE P - PART 3M - INTERNATIONAL
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. `Prior` | 000 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`| "2. `1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`| "3. `1988` | X X X | 4,610 | 10,615 | 12,406 | 13,164 | 13,562 | 13,619 | 14,006
`| "4. `1989` | X X X | X X X | 3,850 | 8,531 | 9,812 | 10,323 | 10,358 | 10,554
`| "5. `1990` | X X X | X X X | X X X | 3,585 | 8,889 | 10,293 | 10,486 | 10,579
`| "6. `1991` | X X X | X X X | X X X | X X X | 4,478 | 6,649 | 7,364 | 7,495
`| "7. `1992` | X X X | X X X | X X X | X X X | X X X | 1,232 | 2,920 | 3,289
`| "8. `1993` | X X X | X X X | X X X | X X X | X X X | X X X | 355 | 4,210
`| "9. `1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 11,028
`|`10. `1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. `1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -#-------------#-------------#-------------#-------------#
| 0 | 0 | X X X | X X X |
| 0 | 0 | X X X | X X X |
| 14,105 | 14,165 | X X X | X X X |
| 10,616 | 10,913 | X X X | X X X |
| 10,644 | 10,788 | X X X | X X X |
| 7,599 | 7,681 | X X X | X X X |
| 3,355 | 3,387 | X X X | X X X |
| 5,737 | 6,236 | X X X | X X X |
| 32,217 | 41,028 | X X X | X X X |
| 29,683 | 67,641 | X X X | X X X |
| X X X | 42,036 | X X X | X X X |
- - --------------->------------->------------->------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 3N - REINSURANCE A
!-------------------#--------------------------------------------------------------------------------------------------------------
| 1 | CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END ($000 OMITTED)
| |-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
| Years in Which | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9
| Losses Were | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994
| Incurred | | | | | | | |
| | | | | | | | |
|-------------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|------------
`| "1. "`1988` | X X X | 2,283 | 4,302 | 5,753 | 6,950 | 9,296 | 10,510 | 11,344
`| "2. "`1989` | X X X | X X X | 5,873 | 8,625 | 10,264 | 11,671 | 12,053 | 12,706
`| "3. "`1990` | X X X | X X X | X X X | 4,784 | 6,108 | 9,592 | 9,867 | 10,474
`| "4. "`1991` | X X X | X X X | X X X | X X X | 1,301 | 4,570 | 5,463 | 6,311
`| "5. "`1992` | X X X | X X X | X X X | X X X | X X X | 6,875 | 2,140 | 3,467
`| "6. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 1,083 | 2,716
`| "7. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 1,553
`| "8. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -----------------------------#-------------#-------------#
| 12 | 13 |
- - -#-------------#-------------| Number of | Number of |
| 10 | 11 | Claims | Claims |
| 1995 | 1996 | Closed | Closed |
| | | With Loss |Without Loss |
| | | Payment | Payment |
- - -|-------------|-------------|-------------|-------------|
| 11,719 | 11,852 | X X X | X X X |
| 13,374 | 13,605 | X X X | X X X |
| 10,680 | 10,779 | X X X | X X X |
| 6,852 | 7,171 | X X X | X X X |
| 5,319 | 5,786 | X X X | X X X |
| 4,023 | 4,616 | X X X | X X X |
| 5,022 | 6,487 | X X X | X X X |
| 4,428 | 10,219 | X X X | X X X |
| X X X | 1,738 | X X X | X X X |
- - --------------->------------->------------->------------->
SCHEDULE P - PART 3O - REINSURANCE B
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`1988` | X X X | 1,108 | 2,954 | 3,793 | 4,770 | 5,650 | 6,476 | 6,912
`| "2. "`1989` | X X X | X X X | 10,817 | 11,867 | 12,902 | 13,472 | 13,773 | 14,103
`| "3. "`1990` | X X X | X X X | X X X | 1,567 | 2,232 | 6,826 | 7,073 | 7,516
`| "4. "`1991` | X X X | X X X | X X X | X X X | 402 | 1,555 | 2,022 | 2,525
`| "5. "`1992` | X X X | X X X | X X X | X X X | X X X | 10,626 | 10,354 | 10,995
`| "6. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 485 | 1,922
`| "7. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 4,276
`| "8. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -#-------------#-------------#-------------#-------------#
| 7,171 | 7,272 | X X X | X X X |
| 14,429 | 14,540 | X X X | X X X |
| 7,617 | 7,888 | X X X | X X X |
| 2,523 | 2,670 | X X X | X X X |
| 11,438 | 11,859 | X X X | X X X |
| 3,389 | 4,187 | X X X | X X X |
| 37,046 | 42,563 | X X X | X X X |
| 9,432 | 11,700 | X X X | X X X |
| X X X | 1,223 | X X X | X X X |
- - --------------->------------->------------->------------->
SCHEDULE P - PART 3P - REINSURANCE C
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`1988` | X X X | 0 | 200 | 200 | 200 | 200 | 401 | 394
`| "2. "`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0 | 0
`| "3. "`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0 | 0
`| "4. "`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0 | 0
`| "5. "`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0 | 0
`| "6. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 0 | 0
`| "7. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 0
`| "8. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -#-------------#-------------#-------------#-------------#
| 394 | 394 | X X X | X X X |
| 0 | 0 | X X X | X X X |
| 0 | 0 | X X X | X X X |
| 0 | 0 | X X X | X X X |
| 0 | 0 | X X X | X X X |
| 0 | 0 | X X X | X X X |
| 0 | 0 | X X X | X X X |
| 213 | 492 | X X X | X X X |
| X X X | 41 | X X X | X X X |
- - --------------->------------->------------->------------->
SCHEDULE P - PART 3Q - REINSURANCE D
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 000 | 5,006 | 7,294 | 8,924 | 9,670 | 10,216 | 9,327 | 9,539
`| "2. "`1987` | 9,028 | 20,313 | 25,654 | 27,625 | 28,886 | 29,549 | 29,830 | 30,416
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -#-------------#-------------#-------------#-------------#
| 9,637 | 9,821 | X X X | X X X |
| 30,535 | 30,858 | X X X | X X X |
- - --------------->------------->------------->------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 3R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE
!-------------------#--------------------------------------------------------------------------------------------------------------
| 1 | CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END ($000 OMITTED)
| |-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
| Years in Which | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9
| Losses Were | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994
| Incurred | | | | | | | |
| | | | | | | | |
|-------------------|-------------|-------------|-------------|-------------|-------------|-------------|-------------|------------
`| "1. "`Prior` | 000 | 24,172 | 52,410 | 79,152 | 99,831 | 112,330 | 121,402 | 124,727
`| "2. "`1987` | 1,046 | 3,165 | 6,478 | 13,019 | 19,099 | 22,219 | 23,955 | 26,482
`| "3. "`1988` | X X X | 168 | 2,599 | 6,118 | 10,643 | 12,598 | 15,102 | 16,285
`| "4. "`1989` | X X X | X X X | 375 | 2,727 | 5,374 | 8,197 | 11,508 | 12,860
`| "5. "`1990` | X X X | X X X | X X X | 459 | 1,290 | 2,326 | 4,785 | 7,087
`| "6. "`1991` | X X X | X X X | X X X | X X X | 434 | 1,152 | 4,246 | 6,632
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 205 | 559 | 1,724
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 1,218 | 1,751
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 53
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -----------------------------#-------------#-------------#
| 12 | 13 |
- - -#-------------#-------------| Number of | Number of |
| 10 | 11 | Claims | Claims |
| 1995 | 1996 | Closed | Closed |
| | | With Loss |Without Loss |
| | | Payment | Payment |
- - -|-------------|-------------|-------------|-------------|
| 131,802 | 137,629 | 1,498 | 4,431 |
| 27,303 | 28,081 | 578 | 664 |
| 17,632 | 18,815 | 439 | 461 |
| 13,539 | 13,762 | 492 | 484 |
| 7,916 | 8,454 | 477 | 469 |
| 9,737 | 11,275 | 303 | 318 |
| 3,276 | 4,455 | 172 | 301 |
| 2,428 | 3,526 | 131 | 107 |
| 188 | 375 | 46 | 65 |
| 63 | 137 | 32 | 38 |
| X X X | 24 | 17 | 52 |
- - ->------------->------------->------------->------------->
SCHEDULE P - PART 3R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS-MADE
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | 000 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`| "2. "`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
`| "3. "`1988` | X X X | 1 | 5 | 13 | 13 | 13 | 13 | 13
`| "4. "`1989` | X X X | X X X | 0 | 4 | 18 | 18 | 18 | 18
`| "5. "`1990` | X X X | X X X | X X X | 20 | 170 | 291 | 427 | 427
`| "6. "`1991` | X X X | X X X | X X X | X X X | 21 | 55 | 167 | 176
`| "7. "`1992` | X X X | X X X | X X X | X X X | X X X | 7 | 31 | 31
`| "8. "`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 20 | 560
`| "9. "`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 28
`|`10. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -#-------------#-------------#-------------#-------------#
| 0 | 0 | 0 | 0 |
| 0 | 0 | 1 | 0 |
| 21 | 21 | 5 | 4 |
| 37 | 37 | 2 | 2 |
| 430 | 429 | 6 | 3 |
| 176 | 172 | 7 | 7 |
| 32 | 31 | 1 | 5 |
| 1,213 | 2,361 | 21 | 39 |
| 123 | 480 | 13 | 34 |
| 1 | 1 | 4 | 4 |
| X X X | 1 | 10 | 24 |
- - ->------------->------------->------------->------------->
SCHEDULE P - PART 3S - FINANCIAL GUARANTY/MORTGAGE GUARANTY
!-------------------#-------------#-------------#-------------#-------------#-------------#-------------#-------------#------------
`| "1. "`Prior` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | 000
`| "2. "`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`| "3. "`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->------------->------------->------------->------------->------------->------------->------------->------------
- - -#-------------#-------------#-------------#-------------#
| (207)| (350)| X X X | X X X |
| 0 | 0 | X X X | X X X |
| X X X | 0 | X X X | X X X |
- - ->------------->------------->------------->------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 4A - HOMEOWNERS/FARMOWNERS
!-----------------------------#-----------------------------------------------------------------------------------------------
| 1 |BULK AND INCURRED BUT NOT REPORTED RESERVES ON LOSSES AND ALLOCATED EXPENSES AT YEAR END ($000
| |---------------#---------------#---------------#---------------#---------------#---------------
| Years in Which | | | | | |
| Losses Were | 2 | 3 | 4 | 5 | 6 | 7
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
| | | | | | |
|-----------------------------|---------------|---------------|---------------|---------------|---------------|---------------
`| "1. " "`Prior` | 12,010 | 8,082 | 4,742 | 3,562 | 1,523 | 1,131
`| "2. " "`1987` | 34,155 | 14,953 | 10,076 | 6,872 | 2,075 | 1,617
`| "3. " "`1988` | X X X | 26,295 | 8,421 | 5,420 | 2,061 | 1,322
`| "4. " "`1989` | X X X | X X X | 29,666 | 7,917 | 3,082 | 2,177
`| "5. " "`1990` | X X X | X X X | X X X | 23,709 | 5,481 | 3,249
`| "6. " "`1991` | X X X | X X X | X X X | X X X | 23,758 | 5,380
`| "7. " "`1992` | X X X | X X X | X X X | X X X | X X X | 21,121
`| "8. " "`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. " "`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
- - ----------------------------------------------------------------#
OMITTED) |
#---------------#---------------#---------------#---------------|
| | | | |
| 8 | 9 | 10 | 11 |
| 1993 | 1994 | 1995 | 1996 |
| | | | |
|---------------|---------------|---------------|---------------|
| 730 | 564 | 586 | 629 |
| 1,208 | 1,229 | 1,149 | 966 |
| 716 | 837 | 696 | 572 |
| 918 | 1,051 | 795 | 557 |
| 1,085 | 1,342 | 1,069 | 734 |
| 2,233 | 2,246 | 1,503 | 1,079 |
| 4,065 | 3,128 | 1,958 | 956 |
| 13,203 | 3,855 | 2,507 | 1,777 |
| X X X | 9,823 | 4,031 | 2,632 |
| X X X | X X X | 12,586 | 4,289 |
| X X X | X X X | X X X | 12,571 |
>--------------->--------------->--------------->--------------->
SCHEDULE P - PART 4B - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
!-----------------------------#---------------#---------------#---------------#---------------#---------------#---------------
`| "1. " "`Prior` | 68,882 | 40,975 | 17,564 | 9,469 | 4,630 | 15,112
`| "2. " "`1987` | 103,906 | 47,311 | 24,405 | 12,642 | 4,094 | 6,719
`| "3. " "`1988` | X X X | 96,297 | 47,988 | 24,379 | 7,878 | 12,097
`| "4. " "`1989` | X X X | X X X | 111,802 | 54,484 | 19,139 | 11,678
`| "5. " "`1990` | X X X | X X X | X X X | 135,932 | 57,289 | 23,091
`| "6. " "`1991` | X X X | X X X | X X X | X X X | 154,555 | 65,941
`| "7. " "`1992` | X X X | X X X | X X X | X X X | X X X | 105,163
`| "8. " "`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. " "`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| 15,037 | 6,424 | 8,681 | 5,193 |
| 4,856 | 1,834 | 1,318 | 1,829 |
| 8,460 | 1,680 | 1,526 | 2,134 |
| 5,459 | 2,674 | 2,232 | 1,030 |
| 11,912 | 5,933 | 5,000 | 2,859 |
| 28,461 | 11,805 | 7,276 | 3,548 |
| 48,488 | 16,977 | 7,361 | 3,975 |
| 81,218 | 29,932 | 12,937 | 5,198 |
| X X X | 70,286 | 33,508 | 15,798 |
| X X X | X X X | 63,996 | 27,468 |
| X X X | X X X | X X X | 57,864 |
>--------------->--------------->--------------->--------------->
SCHEDULE P - PART 4C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
!-----------------------------#---------------#---------------#---------------#---------------#---------------#---------------
`| "1. " "`Prior` | 155,905 | 69,129 | 27,974 | 28,329 | 12,183 | 11,609
`| "2. " "`1987` | 248,615 | 133,340 | 59,272 | 29,793 | 9,555 | 6,531
`| "3. " "`1988` | X X X | 149,682 | 82,498 | 51,411 | 15,394 | 8,560
`| "4. " "`1989` | X X X | X X X | 178,608 | 70,725 | 39,054 | 23,430
`| "5. " "`1990` | X X X | X X X | X X X | 152,903 | 89,729 | 45,468
`| "6. " "`1991` | X X X | X X X | X X X | X X X | 151,345 | 82,415
`| "7. " "`1992` | X X X | X X X | X X X | X X X | X X X | 119,462
`| "8. " "`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. " "`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| 10,067 | 4,286 | 1,886 | 1,851 |
| 7,344 | 5,760 | 2,649 | 1,643 |
| 5,279 | 3,144 | 1,959 | 1,512 |
| 11,156 | 5,226 | 2,942 | 1,648 |
| 18,673 | 6,206 | 4,443 | 3,155 |
| 37,215 | 12,740 | 6,265 | 3,948 |
| 52,964 | 18,052 | 10,384 | 5,287 |
| 84,090 | 41,406 | 19,934 | 8,395 |
| X X X | 62,293 | 37,785 | 15,811 |
| X X X | X X X | 61,959 | 36,841 |
| X X X | X X X | X X X | 72,209 |
>--------------->--------------->--------------->--------------->
SCHEDULE P - PART 4D - WORKERS' COMPENSATION
!-----------------------------#---------------#---------------#---------------#---------------#---------------#---------------
`| "1. " "`Prior` | 287,199 | 200,158 | 203,852 | 320,449 | 321,333 | 365,575
`| "2. " "`1987` | 241,685 | 124,486 | 69,265 | 87,101 | 72,384 | 63,395
`| "3. " "`1988` | X X X | 240,532 | 113,291 | 129,212 | 98,149 | 82,500
`| "4. " "`1989` | X X X | X X X | 257,388 | 168,478 | 164,927 | 122,043
`| "5. " "`1990` | X X X | X X X | X X X | 302,452 | 167,879 | 139,459
`| "6. " "`1991` | X X X | X X X | X X X | X X X | 201,174 | 171,488
`| "7. " "`1992` | X X X | X X X | X X X | X X X | X X X | 111,171
`| "8. " "`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. " "`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| 407,876 | 290,132 | 269,753 | 262,072 |
| 83,342 | 65,764 | 58,514 | 53,743 |
| 86,842 | 72,401 | 62,224 | 60,242 |
| 118,277 | 99,698 | 90,534 | 72,393 |
| 125,937 | 106,344 | 95,222 | 76,583 |
| 104,600 | 91,620 | 82,112 | 61,839 |
| 80,128 | 62,847 | 62,154 | 43,128 |
| 67,534 | 49,724 | 40,880 | 25,446 |
| X X X | 55,310 | 40,769 | 29,160 |
| X X X | X X X | 66,973 | 42,939 |
| X X X | X X X | X X X | 64,420 |
>--------------->--------------->--------------->--------------->
SCHEDULE P - PART 4E - COMMERCIAL MULTIPLE PERIL
!-----------------------------#---------------#---------------#---------------#---------------#---------------#---------------
`| "1. " "`Prior` | 80,200 | 56,847 | 46,311 | 33,639 | 28,615 | 17,943
`| "2. " "`1987` | 79,374 | 34,475 | 27,072 | 42,558 | 8,503 | 12,476
`| "3. " "`1988` | X X X | 181,058 | 117,500 | 83,612 | 47,275 | 42,361
`| "4. " "`1989` | X X X | X X X | 272,787 | 184,073 | 117,913 | 70,317
`| "5. " "`1990` | X X X | X X X | X X X | 240,641 | 194,651 | 139,082
`| "6. " "`1991` | X X X | X X X | X X X | X X X | 234,305 | 176,395
`| "7. " "`1992` | X X X | X X X | X X X | X X X | X X X | 225,071
`| "8. " "`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. " "`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| 16,330 | 18,214 | 15,351 | 13,034 |
| 10,554 | 7,004 | 6,122 | 5,540 |
| 29,455 | 25,471 | 22,009 | 19,290 |
| 57,597 | 41,504 | 32,722 | 27,244 |
| 91,692 | 58,644 | 52,970 | 40,897 |
| 123,218 | 81,495 | 62,760 | 50,610 |
| 146,435 | 91,681 | 68,081 | 48,076 |
| 181,370 | 128,112 | 92,740 | 63,451 |
| X X X | 188,526 | 130,738 | 94,784 |
| X X X | X X X | 187,862 | 147,063 |
| X X X | X X X | X X X | 225,710 |
>--------------->--------------->--------------->--------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 4F - SECTION 1 - MEDICAL MALPRACTICE - OCCURRENCE
!-----------------------------#-----------------------------------------------------------------------------------------------
| 1 |BULK AND INCURRED BUT NOT REPORTED RESERVES ON LOSSES AND ALLOCATED EXPENSES AT YEAR END ($000
| |---------------#---------------#---------------#---------------#---------------#---------------
| Years in Which | | | | | |
| Losses Were | 2 | 3 | 4 | 5 | 6 | 7
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
| | | | | | |
|-----------------------------|---------------|---------------|---------------|---------------|---------------|---------------
`| "1. " "`Prior` | 16,520 | 13,263 | 10,107 | 9,483 | 5,707 | 3,594
`| "2. " "`1987` | 0 | 96 | 1 | 0 | 0 | 0
`| "3. " "`1988` | X X X | 165 | 4 | 9 | 0 | 0
`| "4. " "`1989` | X X X | X X X | 2 | 4 | 0 | 0
`| "5. " "`1990` | X X X | X X X | X X X | 5 | 0 | 88
`| "6. " "`1991` | X X X | X X X | X X X | X X X | 3 | 0
`| "7. " "`1992` | X X X | X X X | X X X | X X X | X X X | 0
`| "8. " "`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. " "`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
- - ----------------------------------------------------------------#
OMITTED) |
#---------------#---------------#---------------#---------------|
| | | | |
| 8 | 9 | 10 | 11 |
| 1993 | 1994 | 1995 | 1996 |
| | | | |
|---------------|---------------|---------------|---------------|
| 6,233 | 6,243 | 2,556 | 1,392 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| X X X | 0 | 0 | 0 |
| X X X | X X X | 4 | 4 |
| X X X | X X X | X X X | 13 |
>--------------->--------------->--------------->--------------->
SCHEDULE P - PART 4F - SECTION 2 - MEDICAL MALPRACTICE - CLAIMS-MADE
!-----------------------------#---------------#---------------#---------------#---------------#---------------#---------------
`| "1. " "`Prior` | 138 | 5 | 0 | 0 | 0 | 0
`| "2. " "`1987` | 0 | 0 | 94 | 88 | 64 | 55
`| "3. " "`1988` | X X X | 0 | 163 | 280 | 0 | 0
`| "4. " "`1989` | X X X | X X X | 161 | 129 | 0 | 0
`| "5. " "`1990` | X X X | X X X | X X X | 73 | 30 | 0
`| "6. " "`1991` | X X X | X X X | X X X | X X X | 212 | 200
`| "7. " "`1992` | X X X | X X X | X X X | X X X | X X X | 177
`| "8. " "`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. " "`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| 0 | 0 | 0 | 0 |
| 24 | 64 | 64 | 64 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 97 | 125 | 122 | 122 |
| 135 | 2 | 65 | 65 |
| 40 | 36 | 48 | 48 |
| X X X | 0 | 0 | 0 |
| X X X | X X X | 0 | 0 |
| X X X | X X X | X X X | 0 |
>--------------->--------------->--------------->--------------->
SCHEDULE P - PART 4G - SPECIAL LIABILITY (OCEAN MARINE, AIRCRAFT
(ALL PERILS), BOILER AND MACHINERY)
!-----------------------------#---------------#---------------#---------------#---------------#---------------#---------------
`| "1. " "`Prior` | 3,724 | 2,478 | 1,867 | 845 | 167 | 138
`| "2. " "`1987` | 11,245 | 5,428 | 3,595 | 1,491 | 367 | 383
`| "3. " "`1988` | X X X | 11,836 | 3,750 | 1,624 | 353 | 189
`| "4. " "`1989` | X X X | X X X | 7,701 | 1,995 | 617 | 294
`| "5. " "`1990` | X X X | X X X | X X X | 6,682 | 1,759 | 1,050
`| "6. " "`1991` | X X X | X X X | X X X | X X X | 5,660 | 2,064
`| "7. " "`1992` | X X X | X X X | X X X | X X X | X X X | 4,727
`| "8. " "`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. " "`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| 227 | 200 | 250 | 234 |
| 863 | 767 | 630 | 626 |
| 771 | 1,038 | 619 | 624 |
| 453 | 556 | 582 | 453 |
| 189 | 170 | 319 | 200 |
| 318 | 224 | 228 | 120 |
| 547 | 248 | 207 | (30)|
| 3,631 | 1,048 | 628 | 214 |
| X X X | 6,389 | 1,725 | 826 |
| X X X | X X X | 4,990 | 3,298 |
| X X X | X X X | X X X | 7,093 |
>--------------->--------------->--------------->--------------->
SCHEDULE P - PART 4H - SECTION 1 - OTHER LIABILITY - OCCURRENCE
!-----------------------------#---------------#---------------#---------------#---------------#---------------#---------------
`| "1. " "`Prior` | 359,485 | 275,826 | 184,734 | 135,526 | 147,286 | 158,973
`| "2. " "`1987` | 255,083 | 201,512 | 128,329 | 87,279 | 61,191 | 63,292
`| "3. " "`1988` | X X X | 188,732 | 130,153 | 145,770 | 66,435 | 61,503
`| "4. " "`1989` | X X X | X X X | 124,748 | 104,146 | 82,543 | 55,293
`| "5. " "`1990` | X X X | X X X | X X X | 125,630 | 109,041 | 90,026
`| "6. " "`1991` | X X X | X X X | X X X | X X X | 99,252 | 88,196
`| "7. " "`1992` | X X X | X X X | X X X | X X X | X X X | 67,953
`| "8. " "`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. " "`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| 200,473 | 197,490 | 171,464 | 168,117 |
| 42,081 | 32,233 | 27,816 | 28,344 |
| 36,881 | 32,617 | 26,484 | 25,741 |
| 41,007 | 32,690 | 27,434 | 24,566 |
| 55,009 | 39,034 | 39,440 | 30,738 |
| 55,756 | 43,133 | 38,355 | 32,223 |
| 48,984 | 36,142 | 29,524 | 23,871 |
| 52,753 | 43,097 | 34,025 | 25,702 |
| X X X | 51,975 | 43,282 | 35,844 |
| X X X | X X X | 52,208 | 46,938 |
| X X X | X X X | X X X | 59,553 |
>--------------->--------------->--------------->--------------->
SCHEDULE P - PART 4H - SECTION 2 - OTHER LIABILITY - CLAIMS-MADE
!-----------------------------#---------------#---------------#---------------#---------------#---------------#---------------
`| "1. " "`Prior` | 7 | (54)| (77)| (252)| (100)| (37)
`| "2. " "`1987` | 2 | 0 | 0 | 0 | 0 | 0
`| "3. " "`1988` | X X X | 40 | 30 | 23 | 162 | 0
`| "4. " "`1989` | X X X | X X X | 116 | 83 | 32 | 20
`| "5. " "`1990` | X X X | X X X | X X X | 99 | 45 | 45
`| "6. " "`1991` | X X X | X X X | X X X | X X X | 217 | 98
`| "7. " "`1992` | X X X | X X X | X X X | X X X | X X X | 348
`| "8. " "`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. " "`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| 89 | 167 | 235 | 713 |
| 3 | 187 | 720 | 227 |
| 3 | 30 | 1,381 | 84 |
| 0 | 44 | 668 | 184 |
| 119 | 0 | 753 | 191 |
| 174 | 80 | 605 | 201 |
| 212 | 164 | 249 | 201 |
| 303 | 127 | 382 | 421 |
| X X X | 1,215 | 374 | 408 |
| X X X | X X X | 1,787 | 393 |
| X X X | X X X | X X X | 1,976 |
>--------------->--------------->--------------->--------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 4I - SPECIAL PROPERTY (FIRE, ALLIED LINES, INLAND MARINE,
EARTHQUAKE, GLASS, BURGLARY AND THEFT)
!-----------------------------#-----------------------------------------------------------------------------------------------
| 1 |BULK AND INCURRED BUT NOT REPORTED RESERVES ON LOSSES AND ALLOCATED EXPENSES AT YEAR END ($000
| |---------------#---------------#---------------#---------------#---------------#---------------
| Years in Which | | | | | |
| Losses Were | 2 | 3 | 4 | 5 | 6 | 7
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
| | | | | | |
|-----------------------------|---------------|---------------|---------------|---------------|---------------|---------------
`| "1. " "`Prior` | X X X | X X X | X X X | X X X | X X X | X X X
`| "2. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`| "3. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
- - ----------------------------------------------------------------#
OMITTED) |
#---------------#---------------#---------------#---------------|
| | | | |
| 8 | 9 | 10 | 11 |
| 1993 | 1994 | 1995 | 1996 |
| | | | |
|---------------|---------------|---------------|---------------|
| X X X | 21,141 | 14,265 | 9,751 |
| X X X | X X X | 9,175 | 1,766 |
| X X X | X X X | X X X | 11,848 |
>--------------->--------------->--------------->--------------->
SCHEDULE P - PART 4J - AUTO PHYSICAL DAMAGE
!-----------------------------#---------------#---------------#---------------#---------------#---------------#---------------
`| "1. " "`Prior` | X X X | X X X | X X X | X X X | X X X | X X X
`| "2. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`| "3. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| X X X | 9,365 | 8,806 | 6,228 |
| X X X | X X X | 2,559 | 1,395 |
| X X X | X X X | X X X | 951 |
>--------------->--------------->--------------->--------------->
SCHEDULE P - PART 4K - FIDELITY/SURETY
!-----------------------------#---------------#---------------#---------------#---------------#---------------#---------------
`| "1. " "`Prior` | X X X | X X X | X X X | X X X | X X X | X X X
`| "2. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`| "3. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| X X X | 24,217 | 8,402 | (1,962)|
| X X X | X X X | 23,189 | 12,699 |
| X X X | X X X | X X X | 38,709 |
>--------------->--------------->--------------->--------------->
SCHEDULE P - PART 4L - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)
!-----------------------------#---------------#---------------#---------------#---------------#---------------#---------------
`| "1. " "`Prior` | X X X | X X X | X X X | X X X | X X X | X X X
`| "2. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`| "3. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| X X X | 15 | 3 | 315 |
| X X X | X X X | 2 | 1 |
| X X X | X X X | X X X | 4 |
>--------------->--------------->--------------->--------------->
SCHEDULE P - PART 4M - INTERNATIONAL
!-----------------------------#---------------#---------------#---------------#---------------#---------------#---------------
`| "1. " "`Prior | 0 | 0 | 0 | 0 | 0 | 0
`| "2. " "`1987` | 0 | 0 | 0 | 0 | 0 | 0
`| "3. " "`1988` | X X X | 6,976 | 4,332 | 3,098 | 1,388 | 1,425
`| "4. " "`1989` | X X X | X X X | 4,930 | 2,760 | 1,775 | 1,523
`| "5. " "`1990` | X X X | X X X | X X X | 5,303 | 3,754 | 2,259
`| "6. " "`1991` | X X X | X X X | X X X | X X X | 5,740 | 3,247
`| "7. " "`1992` | X X X | X X X | X X X | X X X | X X X | 2,293
`| "8. " "`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. " "`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 1,694 | 1,280 | 1,289 | 823 |
| 1,444 | 1,383 | 1,365 | 959 |
| 958 | 840 | 875 | 559 |
| 1,728 | 1,573 | 1,593 | 605 |
| 1,735 | 893 | 409 | 315 |
| 4,466 | 3,344 | 1,673 | 288 |
| X X X | 31,206 | 12,458 | 3,015 |
| X X X | X X X | 37,856 | 9,881 |
| X X X | X X X | X X X | 38,894 |
>--------------->--------------->--------------->--------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 4N - REINSURANCE A
!-----------------------------#-----------------------------------------------------------------------------------------------
| |BULK AND INCURRED BUT NOT REPORTED RESERVES ON LOSSES AND ALLOCATED EXPENSES AT YEAR END ($000
| 1 |---------------#---------------#---------------#---------------#---------------#---------------
| | | | | | |
| Years in Which | 2 | 3 | 4 | 5 | 6 | 7
| Losses Were | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
| Incurred | | | | | |
| | | | | | |
|-----------------------------|---------------|---------------|---------------|---------------|---------------|---------------
`| "1. " "`1988` | X X X | 29,167 | 20,669 | 16,864 | 5,599 | 3,332
`| "2. " "`1989` | X X X | X X X | 14,575 | 13,294 | 13,088 | 11,443
`| "3. " "`1990` | X X X | X X X | X X X | 17,082 | 17,746 | 15,433
`| "4. " "`1991` | X X X | X X X | X X X | X X X | 32,597 | 23,320
`| "5. " "`1992` | X X X | X X X | X X X | X X X | X X X | 23,417
`| "6. " "`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "7. " "`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`| "8. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
- - ----------------------------------------------------------------#
OMITTED) |
#---------------#---------------#---------------#---------------|
| | | | |
| 8 | 9 | 10 | 11 |
| 1993 | 1994 | 1995 | 1996 |
| | | | |
| | | | |
|---------------|---------------|---------------|---------------|
| 3,611 | 3,268 | 3,109 | 2,753 |
| 4,941 | 3,073 | 3,335 | 2,846 |
| 5,074 | 2,651 | 2,399 | 2,051 |
| 6,916 | 4,601 | 4,208 | 2,879 |
| 18,544 | 8,047 | 6,076 | 5,284 |
| 34,972 | 29,485 | 8,402 | 6,123 |
| X X X | 39,946 | 26,126 | 13,384 |
| X X X | X X X | 32,234 | 21,576 |
| X X X | X X X | X X X | 20,813 |
>--------------->--------------->--------------->--------------->
SCHEDULE P - PART 4O - REINSURANCE B
!-----------------------------#---------------#---------------#---------------#---------------#---------------#---------------
`| "1. " "`1988` | X X X | 18,119 | 12,928 | 10,228 | 2,583 | 1,598
`| "2. " "`1989` | X X X | X X X | 6,987 | 5,714 | 4,607 | 3,651
`| "3. " "`1990` | X X X | X X X | X X X | 5,534 | 5,443 | 4,686
`| "4. " "`1991` | X X X | X X X | X X X | X X X | 11,230 | 9,210
`| "5. " "`1992` | X X X | X X X | X X X | X X X | X X X | 13,383
`| "6. " "`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "7. " "`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`| "8. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| 1,815 | 1,581 | 1,525 | 1,258 |
| 2,163 | 1,683 | 2,398 | 1,665 |
| 1,822 | 978 | 841 | 572 |
| 4,051 | 2,801 | 2,789 | 1,691 |
| 8,784 | 5,030 | 3,439 | 2,870 |
| 11,992 | 11,012 | 5,506 | 4,816 |
| X X X | 80,513 | 41,682 | 31,329 |
| X X X | X X X | 30,696 | 22,608 |
| X X X | X X X | X X X | 44,594 |
>--------------->--------------->--------------->--------------->
SCHEDULE P - PART 4P - REINSURANCE C
!-----------------------------#---------------#---------------#---------------#---------------#---------------#---------------
`| "1. " "`1988` | X X X | 0 | 0 | 0 | 0 | 0
`| "2. " "`1989` | X X X | X X X | 0 | 0 | 0 | 0
`| "3. " "`1990` | X X X | X X X | X X X | 0 | 0 | 0
`| "4. " "`1991` | X X X | X X X | X X X | X X X | 0 | 0
`| "5. " "`1992` | X X X | X X X | X X X | X X X | X X X | 0
`| "6. " "`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "7. " "`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`| "8. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| 0 | 0 | 0 | 35 |
| 0 | 0 | (405)| 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| X X X | 0 | 0 | 0 |
| X X X | X X X | 1,044 | 669 |
| X X X | X X X | X X X | 773 |
>--------------->--------------->--------------->--------------->
SCHEDULE P - PART 4Q - REINSURANCE D
!-----------------------------#---------------#---------------#---------------#---------------#---------------#---------------
`| "1. " "`Prior` | 8,014 | 3,815 | 2,331 | 1,858 | 816 | 590
`| "2. " "`1987` | 20,805 | 10,661 | 6,768 | 5,997 | 2,624 | 2,139
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| 442 | 332 | 402 | 405 |
| 2,492 | 1,960 | 2,023 | 2,060 |
>--------------->--------------->--------------->--------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 4R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE
!-----------------------------#-----------------------------------------------------------------------------------------------
| |BULK AND INCURRED BUT NOT REPORTED RESERVES ON LOSSES AND ALLOCATED EXPENSES AT YEAR END ($000
| 1 |---------------#---------------#---------------#---------------#---------------#---------------
| | | | | | |
| Years in Which | 2 | 3 | 4 | 5 | 6 | 7
| Losses Were | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
| Incurred | | | | | |
| | | | | | |
|-----------------------------|---------------|---------------|---------------|---------------|---------------|---------------
`| "1. " "`Prior` | 40,684 | 35,702 | 23,112 | 25,149 | 30,209 | 34,186
`| "2. " "`1987` | 24,856 | 18,904 | 15,562 | 11,129 | 6,489 | 4,705
`| "3. " "`1988` | X X X | 17,164 | 13,768 | 14,915 | 4,998 | 5,183
`| "4. " "`1989` | X X X | X X X | 13,345 | 9,827 | 5,407 | 3,061
`| "5. " "`1990` | X X X | X X X | X X X | 10,345 | 7,066 | 5,154
`| "6. " "`1991` | X X X | X X X | X X X | X X X | 7,951 | 6,021
`| "7. " "`1992` | X X X | X X X | X X X | X X X | X X X | 6,687
`| "8. " "`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. " "`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
- - ----------------------------------------------------------------#
OMITTED) |
#---------------#---------------#---------------#---------------|
| | | | |
| 8 | 9 | 10 | 11 |
| 1993 | 1994 | 1995 | 1996 |
| | | | |
| | | | |
|---------------|---------------|---------------|---------------|
| 40,436 | 42,337 | 34,420 | 31,508 |
| 5,581 | 6,108 | 5,204 | 4,720 |
| 5,022 | 4,682 | 4,051 | 3,503 |
| 3,546 | 2,410 | 2,152 | 1,473 |
| 4,032 | 2,607 | 2,577 | 1,585 |
| 4,756 | 3,787 | 3,542 | 2,320 |
| 4,483 | 3,316 | 2,712 | 1,730 |
| 5,486 | 3,296 | 2,758 | 2,018 |
| X X X | 3,916 | 2,271 | 1,605 |
| X X X | X X X | 2,808 | 2,460 |
| X X X | X X X | X X X | 2,943 |
>--------------->--------------->--------------->--------------->
SCHEDULE P - PART 4R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS-MADE
!-----------------------------#---------------#---------------#---------------#---------------#---------------#---------------
`| "1. " "`Prior` | 0 | 0 | 0 | 0 | 0 | 0
`| "2. " "`1987` | 0 | 0 | 0 | 0 | 0 | 0
`| "3. " "`1988` | X X X | 2 | 2 | 0 | 0 | 0
`| "4. " "`1989` | X X X | X X X | 0 | 2 | 0 | 0
`| "5. " "`1990` | X X X | X X X | X X X | 29 | 19 | 14
`| "6. " "`1991` | X X X | X X X | X X X | X X X | 52 | 31
`| "7. " "`1992` | X X X | X X X | X X X | X X X | X X X | 24
`| "8. " "`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9. " "`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| 3 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 4 | 13 |
| 2 | 0 | 8 | 17 |
| 0 | 0 | 22 | 17 |
| 12 | 0 | 23 | 33 |
| 348 | 0 | 15 | 11 |
| 0 | 767 | 466 | 191 |
| X X X | 17 | 224 | 31 |
| X X X | X X X | 91 | 28 |
| X X X | X X X | X X X | 0 |
>--------------->--------------->--------------->--------------->
SCHEDULE P - PART 4S - FINANCIAL GUARANTY/MORTGAGE GUARANTY
!-----------------------------#---------------#---------------#---------------#---------------#---------------#---------------
`| "1. " "`Prior` | X X X | X X X | X X X | X X X | X X X | X X X
`| "2. " "`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`| "3. " "`1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| X X X | 678 | 503 | 313 |
| X X X | X X X | 29 | 0 |
| X X X | X X X | X X X | (245)|
>--------------->--------------->--------------->--------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 5A - HOMEOWNERS/FARMOWNERS
SECTION 1
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 8,604 | 9,314 | 9,631 | 9,787 | 9,863 | 9,900
`| "2.`1987` | 39,976 | 47,812 | 48,267 | 48,430 | 48,502 | 48,530
`| "3.`1988` | X X X | 36,822 | 44,675 | 45,104 | 45,245 | 45,299
`| "4.`1989` | X X X | X X X | 45,458 | 57,280 | 57,761 | 57,873
`| "5.`1990` | X X X | X X X | X X X | 41,803 | 49,959 | 50,380
`| "6.`1991` | X X X | X X X | X X X | X X X | 48,082 | 55,541
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 38,391
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 9,932 | 9,956 | 9,971 | 9,974 |
| 48,547 | 48,554 | 48,558 | 48,563 |
| 45,334 | 45,345 | 45,352 | 45,355 |
| 57,977 | 58,018 | 58,029 | 58,036 |
| 50,535 | 50,611 | 50,634 | 50,648 |
| 56,031 | 56,174 | 56,242 | 56,267 |
| 48,135 | 48,717 | 48,884 | 48,947 |
| 34,695 | 40,155 | 40,462 | 40,551 |
| X X X | 40,577 | 45,183 | 45,460 |
| X X X | X X X | 26,459 | 31,280 |
| X X X | X X X | X X X | 42,602 |
- - ->---------------->---------------->---------------->---------------->
SECTION 2
!--------------------#---------------------------------------------------------------------------------------------------
| | NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 1,171 | 565 | 286 | 133 | 87 | 57
`| "2.`1987` | 5,333 | 535 | 268 | 121 | 67 | 38
`| "3.`1988` | X X X | 5,142 | 531 | 202 | 91 | 60
`| "4.`1989` | X X X | X X X | 7,258 | 466 | 202 | 140
`| "5.`1990` | X X X | X X X | X X X | 5,587 | 524 | 255
`| "6.`1991` | X X X | X X X | X X X | X X X | 6,035 | 688
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 8,030
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 34 | 16 | 6 | 7 |
| 17 | 8 | 6 | 2 |
| 27 | 19 | 9 | 3 |
| 73 | 35 | 22 | 14 |
| 138 | 72 | 42 | 28 |
| 273 | 145 | 61 | 37 |
| 671 | 267 | 160 | 100 |
| 4,769 | 420 | 181 | 93 |
| X X X | 3,932 | 439 | 228 |
| X X X | X X X | 4,079 | 427 |
| X X X | X X X | X X X | 3,920 |
- - ------------------>---------------->---------------->---------------->
SECTION 3
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 6,017 | 6,570 | 6,882 | 6,992 | 7,064 | 7,086
`| "2.`1987` | 56,274 | 61,804 | 62,281 | 62,410 | 62,476 | 62,491
`| "3.`1988` | X X X | 52,745 | 58,575 | 58,953 | 59,063 | 59,113
`| "4.`1989` | X X X | X X X | 65,825 | 74,342 | 74,788 | 74,924
`| "5.`1990` | X X X | X X X | X X X | 60,292 | 66,197 | 66,580
`| "6.`1991` | X X X | X X X | X X X | X X X | 68,967 | 73,856
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 58,905
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 7,108 | 7,122 | 7,134 | 7,140 |
| 62,505 | 62,506 | 62,509 | 62,513 |
| 59,141 | 59,154 | 59,160 | 59,163 |
| 75,009 | 75,045 | 75,061 | 75,064 |
| 66,704 | 66,752 | 66,778 | 66,790 |
| 74,221 | 74,331 | 74,367 | 74,386 |
| 64,711 | 65,183 | 65,340 | 65,393 |
| 51,745 | 54,835 | 55,079 | 55,152 |
| X X X | 56,372 | 59,065 | 59,277 |
| X X X | X X X | 39,517 | 42,469 |
| X X X | X X X | X X X | 60,354 |
- - ->---------------->---------------->---------------->---------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 5B - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
SECTION 1
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 33,227 | 40,910 | 44,690 | 46,285 | 46,969 | 47,258
`| "2.`1987` | 66,519 | 89,677 | 94,642 | 96,687 | 97,425 | 97,635
`| "3.`1988` | X X X | 61,656 | 86,175 | 90,682 | 92,357 | 92,845
`| "4.`1989` | X X X | X X X | 61,004 | 86,392 | 90,430 | 91,685
`| "5.`1990` | X X X | X X X | X X X | 59,745 | 81,619 | 84,878
`| "6.`1991` | X X X | X X X | X X X | X X X | 53,800 | 72,786
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 44,092
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 47,429 | 47,524 | 47,620 | 47,670 |
| 97,768 | 97,821 | 97,847 | 97,856 |
| 93,104 | 93,201 | 93,258 | 93,280 |
| 92,317 | 92,588 | 92,710 | 92,761 |
| 86,273 | 86,853 | 87,108 | 87,209 |
| 76,475 | 78,057 | 78,672 | 78,934 |
| 60,766 | 63,949 | 65,131 | 65,594 |
| 38,474 | 52,206 | 54,744 | 55,635 |
| X X X | 36,301 | 48,734 | 50,843 |
| X X X | X X X | 34,954 | 46,528 |
| X X X | X X X | X X X | 33,553 |
- - ->---------------->---------------->---------------->---------------->
SECTION 2
!--------------------#---------------------------------------------------------------------------------------------------
| | NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 11,959 | 5,472 | 2,778 | 1,273 | 684 | 467
`| "2.`1987` | 22,254 | 5,316 | 2,606 | 1,078 | 430 | 233
`| "3.`1988` | X X X | 22,424 | 5,395 | 2,213 | 920 | 500
`| "4.`1989` | X X X | X X X | 23,512 | 4,956 | 2,122 | 1,181
`| "5.`1990` | X X X | X X X | X X X | 20,334 | 4,588 | 2,336
`| "6.`1991` | X X X | X X X | X X X | X X X | 20,267 | 5,704
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 19,021
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 338 | 262 | 202 | 163 |
| 101 | 50 | 26 | 16 |
| 217 | 125 | 53 | 28 |
| 533 | 238 | 111 | 53 |
| 1,134 | 486 | 226 | 117 |
| 2,675 | 1,168 | 544 | 272 |
| 4,859 | 2,055 | 984 | 478 |
| 15,838 | 3,925 | 1,731 | 857 |
| X X X | 14,252 | 3,484 | 1,661 |
| X X X | X X X | 13,420 | 3,501 |
| X X X | X X X | X X X | 13,115 |
- - ->---------------->---------------->---------------->---------------->
SECTION 3
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 20,854 | 25,147 | 27,962 | 28,730 | 29,127 | 29,321
`| "2.`1987` | 114,514 | 130,019 | 133,886 | 135,158 | 135,572 | 135,679
`| "3.`1988` | X X X | 108,730 | 125,144 | 127,743 | 128,686 | 128,952
`| "4.`1989` | X X X | X X X | 108,679 | 124,875 | 127,371 | 128,201
`| "5.`1990` | X X X | X X X | X X X | 104,497 | 117,879 | 119,928
`| "6.`1991` | X X X | X X X | X X X | X X X | 97,069 | 108,396
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 83,442
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 29,452 | 29,516 | 29,577 | 29,607 |
| 135,733 | 135,757 | 135,771 | 135,774 |
| 129,038 | 129,100 | 129,116 | 129,126 |
| 128,461 | 128,555 | 128,599 | 128,615 |
| 120,632 | 120,803 | 120,893 | 120,928 |
| 110,428 | 111,063 | 111,272 | 111,367 |
| 92,196 | 93,572 | 94,097 | 94,234 |
| 72,252 | 78,990 | 79,981 | 80,357 |
| X X X | 68,826 | 74,657 | 75,523 |
| X X X | X X X | 66,478 | 71,984 |
| X X X | X X X | X X X | 62,698 |
- - ->---------------->---------------->---------------->---------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 5C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
SECTION 1
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 17,658 | 22,126 | 24,356 | 25,448 | 25,895 | 26,100
`| "2.`1987` | 35,760 | 47,498 | 50,102 | 51,222 | 51,746 | 51,920
`| "3.`1988` | X X X | 32,367 | 43,509 | 45,796 | 46,733 | 47,043
`| "4.`1989` | X X X | X X X | 29,515 | 40,455 | 42,482 | 43,244
`| "5.`1990` | X X X | X X X | X X X | 27,836 | 37,025 | 38,475
`| "6.`1991` | X X X | X X X | X X X | X X X | 22,679 | 29,365
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 18,103
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 26,217 | 26,260 | 26,288 | 26,302 |
| 52,025 | 52,075 | 52,093 | 52,099 |
| 47,226 | 47,314 | 47,352 | 47,377 |
| 43,611 | 43,835 | 43,925 | 43,971 |
| 39,194 | 39,602 | 39,779 | 39,858 |
| 30,874 | 31,596 | 31,964 | 32,125 |
| 24,643 | 26,140 | 26,864 | 27,161 |
| 15,269 | 20,660 | 21,821 | 22,283 |
| X X X | 14,664 | 19,475 | 20,510 |
| X X X | X X X | 12,302 | 16,585 |
| X X X | X X X | X X X | 13,027 |
- - ->---------------->---------------->---------------->---------------->
SECTION 2
!--------------------#---------------------------------------------------------------------------------------------------
| | NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 7,888 | 4,213 | 2,154 | 1,012 | 505 | 289
`| "2.`1987` | 10,261 | 3,375 | 1,800 | 921 | 412 | 231
`| "3.`1988` | X X X | 9,402 | 3,217 | 1,536 | 787 | 453
`| "4.`1989` | X X X | X X X | 9,352 | 2,848 | 1,498 | 859
`| "5.`1990` | X X X | X X X | X X X | 8,573 | 2,638 | 1,579
`| "6.`1991` | X X X | X X X | X X X | X X X | 7,227 | 2,725
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 7,938
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 157 | 95 | 66 | 55 |
| 119 | 65 | 44 | 24 |
| 244 | 133 | 83 | 56 |
| 464 | 217 | 98 | 43 |
| 854 | 425 | 212 | 122 |
| 1,466 | 777 | 366 | 168 |
| 2,750 | 1,440 | 726 | 366 |
| 6,367 | 1,917 | 980 | 528 |
| X X X | 5,781 | 1,876 | 1,031 |
| X X X | X X X | 5,101 | 1,522 |
| X X X | X X X | X X X | 4,976 |
- - ->---------------->---------------->---------------->---------------->
SECTION 3
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 14,205 | 17,053 | 18,513 | 18,961 | 19,152 | 19,266
`| "2.`1987` | 60,005 | 70,607 | 72,732 | 73,456 | 73,700 | 73,787
`| "3.`1988` | X X X | 54,430 | 64,425 | 65,982 | 66,582 | 66,736
`| "4.`1989` | X X X | X X X | 50,018 | 59,320 | 60,790 | 61,246
`| "5.`1990` | X X X | X X X | X X X | 47,449 | 54,839 | 56,035
`| "6.`1991` | X X X | X X X | X X X | X X X | 39,977 | 45,540
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 34,817
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 19,318 | 19,353 | 19,372 | 19,394 |
| 73,838 | 73,858 | 73,868 | 73,871 |
| 66,816 | 66,850 | 66,862 | 66,873 |
| 61,399 | 61,475 | 61,505 | 61,520 |
| 56,413 | 56,559 | 56,600 | 56,624 |
| 46,490 | 46,841 | 46,971 | 47,008 |
| 39,749 | 40,584 | 40,917 | 41,017 |
| 29,401 | 33,136 | 33,891 | 34,165 |
| X X X | 27,685 | 30,973 | 31,635 |
| X X X | X X X | 23,582 | 26,527 |
| X X X | X X X | X X X | 24,618 |
- - ->---------------->---------------->---------------->---------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 5D - WORKERS' COMPENSATION
SECTION 1
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 21,135 | 29,074 | 34,591 | 38,052 | 40,539 | 42,206
`| "2.`1987` | 18,908 | 31,571 | 35,369 | 37,234 | 38,289 | 38,827
`| "3.`1988` | X X X | 20,028 | 34,235 | 38,380 | 40,362 | 41,270
`| "4.`1989` | X X X | X X X | 19,741 | 35,897 | 40,478 | 42,306
`| "5.`1990` | X X X | X X X | X X X | 19,250 | 34,080 | 37,771
`| "6.`1991` | X X X | X X X | X X X | X X X | 17,031 | 29,008
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 11,381
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 43,725 | 45,152 | 46,240 | 47,161 |
| 39,212 | 39,477 | 39,654 | 39,786 |
| 41,823 | 42,246 | 42,521 | 42,694 |
| 43,317 | 44,010 | 44,405 | 44,652 |
| 39,686 | 40,730 | 41,280 | 41,632 |
| 32,840 | 34,550 | 35,371 | 35,907 |
| 22,489 | 25,531 | 26,776 | 27,545 |
| 8,151 | 15,643 | 17,503 | 18,483 |
| X X X | 7,104 | 12,524 | 14,216 |
| X X X | X X X | 5,260 | 10,103 |
| X X X | X X X | X X X | 6,090 |
- - ->---------------->---------------->---------------->---------------->
SECTION 2
!--------------------#---------------------------------------------------------------------------------------------------
| | NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 18,602 | 12,812 | 10,139 | 7,861 | 6,492 | 5,688
`| "2.`1987` | 13,008 | 5,734 | 3,473 | 2,094 | 1,321 | 961
`| "3.`1988` | X X X | 14,481 | 6,706 | 3,546 | 2,055 | 1,441
`| "4.`1989` | X X X | X X X | 17,171 | 6,963 | 3,593 | 2,299
`| "5.`1990` | X X X | X X X | X X X | 15,274 | 6,262 | 3,677
`| "6.`1991` | X X X | X X X | X X X | X X X | 13,786 | 6,298
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 13,165
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 4,830 | 3,997 | 3,379 | 2,897 |
| 688 | 499 | 367 | 287 |
| 1,035 | 697 | 494 | 372 |
| 1,504 | 944 | 645 | 480 |
| 2,173 | 1,295 | 842 | 612 |
| 3,258 | 1,799 | 1,140 | 757 |
| 4,880 | 2,444 | 1,409 | 859 |
| 8,770 | 3,016 | 1,533 | 829 |
| X X X | 6,318 | 2,333 | 1,192 |
| X X X | X X X | 5,366 | 2,104 |
| X X X | X X X | X X X | 5,484 |
- - ->---------------->---------------->---------------->---------------->
SECTION 3
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 9,436 | 12,645 | 16,552 | 18,335 | 19,956 | 21,162
`| "2.`1987` | 33,562 | 40,062 | 42,174 | 42,911 | 43,348 | 43,639
`| "3.`1988` | X X X | 36,462 | 44,202 | 45,575 | 46,342 | 46,771
`| "4.`1989` | X X X | X X X | 39,142 | 46,631 | 48,338 | 49,103
`| "5.`1990` | X X X | X X X | X X X | 36,715 | 43,982 | 45,523
`| "6.`1991` | X X X | X X X | X X X | X X X | 33,106 | 39,069
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 26,820
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 22,177 | 23,003 | 23,669 | 24,310 |
| 43,814 | 43,931 | 44,004 | 44,078 |
| 47,023 | 47,184 | 47,308 | 47,393 |
| 49,486 | 49,722 | 49,878 | 50,003 |
| 46,185 | 46,529 | 46,723 | 46,923 |
| 40,361 | 40,842 | 41,113 | 41,398 |
| 31,289 | 32,214 | 32,614 | 32,989 |
| 18,601 | 21,352 | 21,933 | 22,408 |
| X X X | 14,939 | 17,085 | 17,896 |
| X X X | X X X | 11,579 | 13,773 |
| X X X | X X X | X X X | 12,680 |
- - ->---------------->---------------->---------------->---------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 5E - COMMERCIAL MULTIPLE PERIL
SECTION 1
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 7,514 | 9,517 | 10,878 | 11,642 | 12,038 | 12,318
`| "2.`1987` | 14,503 | 19,897 | 20,712 | 21,195 | 21,466 | 21,597
`| "3.`1988` | X X X | 24,852 | 34,935 | 36,453 | 37,211 | 37,607
`| "4.`1989` | X X X | X X X | 34,270 | 47,800 | 49,653 | 50,371
`| "5.`1990` | X X X | X X X | X X X | 34,044 | 45,819 | 47,251
`| "6.`1991` | X X X | X X X | X X X | X X X | 32,875 | 42,311
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 27,451
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 12,441 | 12,526 | 12,573 | 12,611 |
| 21,668 | 21,700 | 21,730 | 21,743 |
| 37,865 | 38,016 | 38,093 | 38,134 |
| 50,892 | 51,221 | 51,370 | 51,462 |
| 48,208 | 48,754 | 49,087 | 49,264 |
| 43,954 | 44,836 | 45,338 | 45,577 |
| 38,296 | 39,907 | 40,728 | 41,173 |
| 30,308 | 40,589 | 42,270 | 43,066 |
| X X X | 35,683 | 46,008 | 47,674 |
| X X X | X X X | 33,632 | 43,872 |
| X X X | X X X | X X X | 40,222 |
- - ->---------------->---------------->---------------->---------------->
SECTION 2
!--------------------#---------------------------------------------------------------------------------------------------
| | NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 6,105 | 3,862 | 2,470 | 1,664 | 1,192 | 703
`| "2.`1987` | 4,466 | 1,699 | 1,165 | 741 | 403 | 272
`| "3.`1988` | X X X | 8,054 | 2,957 | 1,866 | 1,232 | 785
`| "4.`1989` | X X X | X X X | 10,959 | 3,376 | 2,099 | 1,532
`| "5.`1990` | X X X | X X X | X X X | 10,572 | 3,509 | 2,702
`| "6.`1991` | X X X | X X X | X X X | X X X | 10,419 | 3,980
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 12,552
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 468 | 337 | 261 | 214 |
| 180 | 119 | 68 | 52 |
| 441 | 286 | 206 | 153 |
| 912 | 541 | 310 | 203 |
| 1,699 | 1,047 | 607 | 382 |
| 2,486 | 1,517 | 843 | 538 |
| 3,802 | 2,334 | 1,399 | 856 |
| 12,593 | 3,678 | 2,211 | 1,397 |
| X X X | 13,230 | 3,997 | 2,434 |
| X X X | X X X | 12,852 | 3,902 |
| X X X | X X X | X X X | 12,898 |
- - ->---------------->---------------->---------------->---------------->
SECTION 3
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 8,946 | 10,994 | 12,185 | 12,817 | 13,113 | 13,268
`| "2.`1987` | 26,158 | 32,067 | 33,088 | 33,511 | 33,664 | 33,768
`| "3.`1988` | X X X | 45,414 | 56,387 | 58,069 | 58,815 | 59,326
`| "4.`1989` | X X X | X X X | 62,452 | 76,277 | 78,278 | 79,107
`| "5.`1990` | X X X | X X X | X X X | 63,346 | 75,388 | 77,406
`| "6.`1991` | X X X | X X X | X X X | X X X | 62,288 | 71,972
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 56,596
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 13,389 | 13,499 | 13,556 | 13,583 |
| 33,818 | 33,836 | 33,851 | 33,865 |
| 59,491 | 59,637 | 59,714 | 59,755 |
| 79,469 | 79,679 | 79,771 | 79,855 |
| 78,287 | 78,656 | 78,804 | 78,917 |
| 73,865 | 74,635 | 74,931 | 75,102 |
| 66,849 | 68,575 | 69,184 | 69,451 |
| 62,907 | 72,191 | 73,836 | 74,518 |
| X X X | 72,572 | 81,285 | 82,950 |
| X X X | X X X | 68,699 | 77,843 |
| X X X | X X X | X X X | 78,657 |
- - ->---------------->---------------->---------------->---------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 5F - MEDICAL MALPRACTICE - OCCURRENCE
SECTION 1A
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 163 | 296 | 411 | 490 | 518 | 546
`| "2.`1987` | 1 | 1 | 1 | 2 | 2 | 2
`| "3.`1988` | X X X | 0 | 0 | 0 | 2 | 2
`| "4.`1989` | X X X | X X X | 1 | 1 | 2 | 2
`| "5.`1990` | X X X | X X X | X X X | 0 | 0 | 0
`| "6.`1991` | X X X | X X X | X X X | X X X | 0 | 0
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 0
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 565 | 576 | 581 | 590 |
| 2 | 2 | 2 | 2 |
| 2 | 2 | 2 | 2 |
| 2 | 2 | 2 | 2 |
| 1 | 1 | 1 | 1 |
| 1 | 1 | 1 | 1 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| X X X | 0 | 0 | 0 |
| X X X | X X X | 0 | 0 |
| X X X | X X X | X X X | 0 |
- - ->---------------->---------------->---------------->---------------->
SECTION 2A
!--------------------#---------------------------------------------------------------------------------------------------
| | NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 538 | 352 | 231 | 122 | 88 | 68
`| "2.`1987` | 0 | 2 | 1 | 0 | 0 | 0
`| "3.`1988` | X X X | 0 | 1 | 2 | 0 | 0
`| "4.`1989` | X X X | X X X | 0 | 1 | 0 | 0
`| "5.`1990` | X X X | X X X | X X X | 1 | 1 | 1
`| "6.`1991` | X X X | X X X | X X X | X X X | 0 | 0
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 0
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 67 | 92 | 90 | 79 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| X X X | 0 | 0 | 0 |
| X X X | X X X | 0 | 0 |
| X X X | X X X | X X X | 0 |
- - ->---------------->---------------->---------------->---------------->
SECTION 3A
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 186 | 293 | 400 | 441 | 468 | 501
`| "2.`1987` | 3 | 5 | 5 | 5 | 5 | 5
`| "3.`1988` | X X X | 0 | 1 | 4 | 4 | 4
`| "4.`1989` | X X X | X X X | 2 | 4 | 4 | 4
`| "5.`1990` | X X X | X X X | X X X | 1 | 3 | 3
`| "6.`1991` | X X X | X X X | X X X | X X X | 0 | 0
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 0
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 551 | 496 | 611 | 621 |
| 5 | 5 | 5 | 5 |
| 4 | 4 | 4 | 4 |
| 4 | 4 | 4 | 4 |
| 4 | 4 | 4 | 4 |
| 1 | 1 | 1 | 1 |
| 0 | 0 | 0 | 0 |
| 1 | 1 | 1 | 1 |
| X X X | 0 | 0 | 0 |
| X X X | X X X | 0 | 0 |
| X X X | X X X | X X X | 0 |
- - ->---------------->---------------->---------------->---------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 5F - MEDICAL MALPRACTICE - CLAIMS-MADE
SECTION 1B
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 4 | 9 | 11 | 11 | 11 | 11
`| "2.`1987` | 0 | 0 | 0 | 0 | 0 | 0
`| "3.`1988` | X X X | 0 | 0 | 0 | 0 | 0
`| "4.`1989` | X X X | X X X | 0 | 0 | 0 | 0
`| "5.`1990` | X X X | X X X | X X X | 0 | 0 | 0
`| "6.`1991` | X X X | X X X | X X X | X X X | 0 | 0
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 0
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 11 | 11 | 11 | 11 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| X X X | 0 | 0 | 0 |
| X X X | X X X | 0 | 0 |
| X X X | X X X | X X X | 0 |
- - ->---------------->---------------->---------------->---------------->
SECTION 2B
!--------------------#---------------------------------------------------------------------------------------------------
| | NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 8 | 2 | 0 | 0 | 0 | 0
`| "2.`1987` | 0 | 0 | 0 | 0 | 0 | 0
`| "3.`1988` | X X X | 0 | 0 | 0 | 0 | 0
`| "4.`1989` | X X X | X X X | 1 | 0 | 0 | 0
`| "5.`1990` | X X X | X X X | X X X | 0 | 0 | 0
`| "6.`1991` | X X X | X X X | X X X | X X X | 0 | 0
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 0
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| X X X | 0 | 0 | 0 |
| X X X | X X X | 0 | 0 |
| X X X | X X X | X X X | 0 |
- - ->---------------->---------------->---------------->---------------->
SECTION 3B
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0
`| "2.`1987` | 0 | 0 | 0 | 0 | 0 | 0
`| "3.`1988` | X X X | 0 | 0 | 0 | 0 | 0
`| "4.`1989` | X X X | X X X | 2 | 2 | 2 | 2
`| "5.`1990` | X X X | X X X | X X X | 0 | 0 | 0
`| "6.`1991` | X X X | X X X | X X X | X X X | 0 | 0
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 0
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 2 | 2 | 2 | 2 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| X X X | 0 | 0 | 0 |
| X X X | X X X | 0 | 0 |
| X X X | X X X | X X X | 0 |
- - ->---------------->---------------->---------------->---------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 5H - OTHER LIABILITY - OCCURRENCE
SECTION 1A
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 8,733 | 12,158 | 14,348 | 15,791 | 16,603 | 16,979
`| "2.`1987` | 9,884 | 14,181 | 15,214 | 15,906 | 16,284 | 16,508
`| "3.`1988` | X X X | 7,925 | 11,423 | 12,045 | 12,458 | 12,717
`| "4.`1989` | X X X | X X X | 5,142 | 7,265 | 7,715 | 7,978
`| "5.`1990` | X X X | X X X | X X X | 5,273 | 7,221 | 7,642
`| "6.`1991` | X X X | X X X | X X X | X X X | 3,951 | 5,101
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 1,928
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 17,275 | 17,465 | 17,643 | 17,808 |
| 16,642 | 16,709 | 16,741 | 16,761 |
| 12,866 | 12,938 | 12,978 | 13,000 |
| 8,182 | 8,309 | 8,382 | 8,419 |
| 7,890 | 8,071 | 8,159 | 8,234 |
| 5,450 | 5,643 | 5,769 | 5,857 |
| 2,791 | 3,017 | 3,144 | 3,223 |
| 1,399 | 2,024 | 2,179 | 2,306 |
| X X X | 1,261 | 1,788 | 1,927 |
| X X X | X X X | 1,089 | 1,645 |
| X X X | X X X | X X X | 1,272 |
- - ->---------------->---------------->---------------->---------------->
SECTION 2A
!--------------------#---------------------------------------------------------------------------------------------------
| | NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 10,750 | 5,980 | 4,082 | 2,462 | 1,564 | 1,211
`| "2.`1987` | 3,895 | 2,178 | 1,651 | 1,028 | 651 | 388
`| "3.`1988` | X X X | 2,552 | 1,457 | 1,063 | 722 | 435
`| "4.`1989` | X X X | X X X | 2,079 | 1,014 | 838 | 623
`| "5.`1990` | X X X | X X X | X X X | 2,131 | 992 | 839
`| "6.`1991` | X X X | X X X | X X X | X X X | 1,582 | 887
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 1,225
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 1,082 | 984 | 1,100 | 895 |
| 232 | 154 | 131 | 120 |
| 264 | 167 | 125 | 91 |
| 379 | 237 | 151 | 74 |
| 569 | 364 | 242 | 153 |
| 659 | 457 | 294 | 182 |
| 612 | 423 | 296 | 189 |
| 794 | 412 | 336 | 252 |
| X X X | 815 | 383 | 267 |
| X X X | X X X | 915 | 510 |
| X X X | X X X | X X X | 1,125 |
- - ->---------------->---------------->---------------->---------------->
SECTION 3A
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 11,389 | 15,153 | 17,474 | 18,613 | 19,324 | 19,760
`| "2.`1987` | 19,492 | 25,685 | 27,205 | 27,854 | 28,152 | 28,313
`| "3.`1988` | X X X | 15,108 | 19,529 | 20,463 | 20,904 | 21,074
`| "4.`1989` | X X X | X X X | 10,474 | 13,278 | 14,045 | 14,394
`| "5.`1990` | X X X | X X X | X X X | 11,883 | 14,346 | 15,023
`| "6.`1991` | X X X | X X X | X X X | X X X | 8,597 | 10,179
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 4,932
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 20,289 | 20,672 | 21,315 | 21,753 |
| 28,404 | 28,452 | 28,500 | 28,554 |
| 21,164 | 21,221 | 21,266 | 21,307 |
| 14,535 | 14,609 | 14,648 | 14,673 |
| 15,288 | 15,412 | 15,499 | 15,554 |
| 10,692 | 10,896 | 11,010 | 11,070 |
| 6,081 | 6,378 | 6,531 | 6,604 |
| 3,428 | 4,380 | 4,681 | 4,815 |
| X X X | 3,515 | 4,262 | 4,457 |
| X X X | X X X | 3,504 | 4,491 |
| X X X | X X X | X X X | 4,631 |
- - ->---------------->---------------->---------------->---------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 5H - OTHER LIABILITY - CLAIMS-MADE
SECTION 1B
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 0 | 4 | 5 | 6 | 6 | 6
`| "2.`1987` | 0 | 0 | 1 | 1 | 1 | 1
`| "3.`1988` | X X X | 57 | 73 | 75 | 75 | 76
`| "4.`1989` | X X X | X X X | 106 | 123 | 129 | 130
`| "5.`1990` | X X X | X X X | X X X | 72 | 81 | 82
`| "6.`1991` | X X X | X X X | X X X | X X X | 60 | 71
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 50
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 6 | 7 | 7 | 7 |
| 1 | 1 | 1 | 1 |
| 76 | 76 | 76 | 78 |
| 131 | 132 | 132 | 132 |
| 84 | 85 | 87 | 87 |
| 73 | 76 | 77 | 80 |
| 63 | 70 | 70 | 72 |
| 29 | 36 | 39 | 39 |
| X X X | 14 | 22 | 26 |
| X X X | X X X | 65 | 106 |
| X X X | X X X | X X X | 384 |
- - ->---------------->---------------->---------------->---------------->
SECTION 2B
!--------------------#---------------------------------------------------------------------------------------------------
| | NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 12 | 8 | 7 | 6 | 6 | 6
`| "2.`1987` | 5 | 4 | 3 | 2 | 1 | 1
`| "3.`1988` | X X X | 42 | 12 | 8 | 6 | 4
`| "4.`1989` | X X X | X X X | 42 | 13 | 7 | 6
`| "5.`1990` | X X X | X X X | X X X | 33 | 9 | 8
`| "6.`1991` | X X X | X X X | X X X | X X X | 42 | 15
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 45
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 6 | 5 | 5 | 5 |
| 1 | 1 | 1 | 1 |
| 4 | 4 | 4 | 2 |
| 5 | 4 | 2 | 2 |
| 6 | 5 | 2 | 2 |
| 8 | 4 | 3 | 0 |
| 18 | 8 | 7 | 4 |
| 47 | 29 | 24 | 20 |
| X X X | 36 | 15 | 9 |
| X X X | X X X | 127 | 21 |
| X X X | X X X | X X X | 165 |
- - ->---------------->---------------->---------------->---------------->
SECTION 3B
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0
`| "2.`1987` | 6 | 6 | 6 | 6 | 6 | 6
`| "3.`1988` | X X X | 125 | 125 | 125 | 125 | 125
`| "4.`1989` | X X X | X X X | 201 | 201 | 201 | 201
`| "5.`1990` | X X X | X X X | X X X | 163 | 163 | 163
`| "6.`1991` | X X X | X X X | X X X | X X X | 165 | 165
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 151
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 0 | 0 | 0 | 0 |
| 6 | 6 | 6 | 6 |
| 125 | 125 | 125 | 125 |
| 201 | 201 | 201 | 201 |
| 163 | 163 | 163 | 163 |
| 165 | 165 | 165 | 165 |
| 151 | 151 | 151 | 151 |
| 110 | 110 | 110 | 110 |
| X X X | 77 | 77 | 77 |
| X X X | X X X | 306 | 306 |
| X X X | X X X | X X X | 1,167 |
- - ->---------------->---------------->---------------->---------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 5R - PRODUCTS LIABILITY - OCCURRENCE
SECTION 1A
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 425 | 730 | 1,130 | 1,458 | 1,586 | 1,664
`| "2.`1987` | 153 | 262 | 326 | 410 | 470 | 498
`| "3.`1988` | X X X | 74 | 217 | 277 | 363 | 395
`| "4.`1989` | X X X | X X X | 230 | 352 | 405 | 438
`| "5.`1990` | X X X | X X X | X X X | 281 | 398 | 413
`| "6.`1991` | X X X | X X X | X X X | X X X | 171 | 224
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 77
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 1,736 | 1,810 | 1,850 | 1,923 |
| 522 | 542 | 563 | 578 |
| 416 | 422 | 429 | 439 |
| 467 | 482 | 489 | 492 |
| 443 | 459 | 469 | 477 |
| 257 | 276 | 293 | 303 |
| 112 | 141 | 167 | 172 |
| 82 | 119 | 125 | 131 |
| X X X | 25 | 44 | 46 |
| X X X | X X X | 24 | 32 |
| X X X | X X X | X X X | 17 |
- - ->---------------->---------------->---------------->---------------->
SECTION 2A
!--------------------#---------------------------------------------------------------------------------------------------
| | NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 2,305 | 2,225 | 2,093 | 1,068 | 428 | 387
`| "2.`1987` | 166 | 265 | 264 | 163 | 129 | 103
`| "3.`1988` | X X X | 162 | 142 | 162 | 97 | 74
`| "4.`1989` | X X X | X X X | 154 | 100 | 87 | 54
`| "5.`1990` | X X X | X X X | X X X | 132 | 67 | 68
`| "6.`1991` | X X X | X X X | X X X | X X X | 70 | 68
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 78
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 395 | 588 | 596 | 564 |
| 97 | 105 | 63 | 49 |
| 61 | 58 | 35 | 22 |
| 43 | 27 | 17 | 11 |
| 54 | 43 | 27 | 15 |
| 80 | 67 | 43 | 29 |
| 62 | 56 | 28 | 24 |
| 45 | 19 | 17 | 14 |
| X X X | 31 | 9 | 16 |
| X X X | X X X | 15 | 17 |
| X X X | X X X | X X X | 37 |
- - ->---------------->---------------->---------------->---------------->
SECTION 3A
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 2,227 | 3,708 | 4,880 | 5,189 | 5,404 | 5,615
`| "2.`1987` | 439 | 760 | 947 | 1,018 | 1,091 | 1,140
`| "3.`1988` | X X X | 298 | 598 | 746 | 804 | 838
`| "4.`1989` | X X X | X X X | 576 | 811 | 892 | 925
`| "5.`1990` | X X X | X X X | X X X | 672 | 844 | 890
`| "6.`1991` | X X X | X X X | X X X | X X X | 408 | 509
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 304
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 5,823 | 6,196 | 6,326 | 6,415 |
| 1,202 | 1,257 | 1,276 | 1,291 |
| 880 | 903 | 913 | 922 |
| 958 | 974 | 983 | 987 |
| 930 | 949 | 955 | 961 |
| 583 | 623 | 642 | 650 |
| 401 | 457 | 478 | 497 |
| 186 | 232 | 242 | 252 |
| X X X | 88 | 111 | 127 |
| X X X | X X X | 63 | 87 |
| X X X | X X X | X X X | 106 |
- - ->---------------->---------------->---------------->---------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 5R - PRODUCTS LIABILITY - CLAIMS-MADE
SECTION 1B
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0
`| "2.`1987` | 0 | 0 | 1 | 1 | 1 | 1
`| "3.`1988` | X X X | 3 | 3 | 4 | 4 | 5
`| "4.`1989` | X X X | X X X | 0 | 0 | 1 | 1
`| "5.`1990` | X X X | X X X | X X X | 2 | 3 | 4
`| "6.`1991` | X X X | X X X | X X X | X X X | 1 | 3
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 0
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 0 | 0 | 0 | 0 |
| 1 | 1 | 1 | 1 |
| 5 | 5 | 5 | 5 |
| 1 | 1 | 2 | 2 |
| 6 | 6 | 6 | 6 |
| 5 | 7 | 7 | 7 |
| 1 | 1 | 1 | 1 |
| 0 | 11 | 17 | 21 |
| X X X | 7 | 10 | 13 |
| X X X | X X X | 1 | 4 |
| X X X | X X X | X X X | 10 |
- - ->---------------->---------------->---------------->---------------->
SECTION 2B
!--------------------#---------------------------------------------------------------------------------------------------
| | NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0
`| "2.`1987` | 1 | 1 | 0 | 0 | 0 | 0
`| "3.`1988` | X X X | 6 | 2 | 1 | 1 | 0
`| "4.`1989` | X X X | X X X | 3 | 3 | 2 | 2
`| "5.`1990` | X X X | X X X | X X X | 7 | 5 | 4
`| "6.`1991` | X X X | X X X | X X X | X X X | 9 | 5
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 4
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 2 | 2 | 1 | 0 |
| 0 | 0 | 0 | 0 |
| 2 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 81 | 39 | 30 | 23 |
| X X X | 40 | 21 | 16 |
| X X X | X X X | 9 | 4 |
| X X X | X X X | X X X | 4 |
- - ->---------------->---------------->---------------->---------------->
SECTION 3B
!--------------------#---------------------------------------------------------------------------------------------------
| | CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
| 1 |---------------#----------------#----------------#----------------#----------------#---------------
| Years | | | | | |
| in Which | 2 | 3 | 4 | 5 | 6 | 7
| Premiums Were | | | | | |
| Earned and | | | | | |
| Losses Were | | | | | |
| Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|--------------------|---------------|----------------|----------------|----------------|----------------|---------------
`| "1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0
`| "2.`1987` | 1 | 1 | 1 | 1 | 1 | 1
`| "3.`1988` | X X X | 9 | 9 | 9 | 9 | 9
`| "4.`1989` | X X X | X X X | 4 | 4 | 4 | 4
`| "5.`1990` | X X X | X X X | X X X | 9 | 9 | 9
`| "6.`1991` | X X X | X X X | X X X | X X X | 14 | 14
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 6
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X
--------------------->--------------->---------------->---------------->---------------->---------------->---------------
- - ---------------------------------------------------------------------#
|
- - -#----------------#----------------#----------------#----------------|
| | | | |
| 8 | 9 | 10 | 11 |
| | | | |
| | | | |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
- - -|----------------|----------------|----------------|----------------|
| 0 | 0 | 0 | 0 |
| 1 | 1 | 1 | 1 |
| 9 | 9 | 9 | 9 |
| 4 | 4 | 4 | 4 |
| 9 | 9 | 9 | 9 |
| 14 | 14 | 14 | 14 |
| 6 | 6 | 6 | 6 |
| 83 | 83 | 83 | 83 |
| X X X | 63 | 63 | 63 |
| X X X | X X X | 12 | 12 |
| X X X | X X X | X X X | 38 |
- - ->---------------->---------------->---------------->---------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 6C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
SECTION 1
!------------------------#--------------------------------------------------------------------------------------------------------
| 1 | CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED)
| Years in |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| Which Premiums | | | | | | |
| Were Earned | 2 | 3 | 4 | 5 | 6 | 7 | 8
| and Losses | | | | | | |
| Were Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`| "1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`| "2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`| "3.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`| "4.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`| "5.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`| "6.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 226,730
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`12.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`13.`Earned`Premiums"" |"""""""|""""""|"""""""|""""""|"""""""|""""""|"""""""|""""""|"""""""|""""""|"""""""|
`|""`(Sch`P,`Part`1)` | 504,537 | 461,137 | 424,658 | 419,676 | 384,380 | 319,764 | 259,903
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| |
#--------------#--------------#--------------| 12 |
| | | | |
| 9 | 10 | 11 | Current Year |
| | | | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | (4,004)|
| 0 | 0 | 0 | 47 |
| 0 | 0 | 0 | (13)|
| 0 | 0 | 0 | (147)|
| 0 | 0 | 0 | (332)|
| 0 | 0 | 0 | (84)|
| 0 | 0 | 0 | 158 |
| 264,003 | 264,368 | 264,453 | 84 |
| 203,931 | 230,445 | 232,438 | 1,993 |
| X X X | 199,287 | 226,961 | 27,675 |
| X X X | X X X | 206,533 | 206,533 |
>-------------->-------------->--------------|--------------|
| 231,910 |
#--------------#--------------#--------------|--------------|
| 232,560 | 210,937 | 231,910 | X X X |
>-------------->-------------->-------------->-------------->
SECTION 2
!------------------------#--------------------------------------------------------------------------------------------------------
| | CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED)
| 1 |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| | 2 | 3 | 4 | 5 | 6 | 7 | 8
| | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`| "1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`| "2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`| "3.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`| "4.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`| "5.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`| "6.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 28,432
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`12.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`13.`Earned`Premiums" "|"""""""|""""""|"""""""|""""""|""""""|"""""""|"""""""|""""""|"""""""|""""""|""""""" |
`|""`(Sch`P,`Part`1)` | 27,137| 39,793| 43,290 | 42,802| 39,874| 39,044 | 30,643
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| 12 |
#--------------#--------------#--------------| Current Year |
| 9 | 10 | 11 | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 2 |
| 30,643 | 30,562 | 30,574 | 12 |
| 26,988 | 27,312 | 27,323 | 10 |
| X X X | 28,837 | 35,324 | 6,487 |
| X X X | X X X | 28,721 | 28,721 |
>-------------->-------------->--------------|--------------|
| 35,232 |
#--------------#--------------#--------------|--------------|
| 29,388 | 25,886 | 35,232 | X X X |
- - --------------->-------------->-------------->-------------->
SCHEDULE P - PART 6D - WORKERS' COMPENSATION
SECTION 1
!------------------------#--------------------------------------------------------------------------------------------------------
| 1 | CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED)
| Years in |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| Which Premiums | | | | | | |
| Were Earned | 2 | 3 | 4 | 5 | 6 | 7 | 8
| and Losses | | | | | | |
| Were Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`| "1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`| "2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`| "3.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`| "4.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`| "5.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`| "6.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 383,393
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`12.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`13.`Earned`Premiums"" |"""""""|""""""|"""""""|""""""|"""""""|""""""|"""""""|""""""|"""""""|""""""|"""""""|
`|""`(Sch`P,`Part`1)` | 622,801 | 747,889 | 791,969 | 883,078 | 754,958 | 625,431 | 457,088
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| |
#--------------#--------------#--------------| 12 |
| | | | |
| 9 | 10 | 11 | Current Year |
| | | | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | (52)|
| 0 | 0 | 0 | (1,725)|
| 0 | 0 | 0 | (4,465)|
| 0 | 0 | 0 | (988)|
| 0 | 0 | 0 | (44)|
| 0 | 0 | 0 | (1,096)|
| 0 | 0 | 0 | (808)|
| 450,093 | 449,328 | 447,706 | (1,622)|
| 305,089 | 337,280 | 337,086 | (194)|
| X X X | 287,567 | 317,318 | 29,751 |
| X X X | X X X | 272,902 | 272,902 |
>-------------->-------------->--------------|--------------|
| 291,659 |
#--------------#--------------#--------------|--------------|
| 351,303 | 306,578 | 291,659 | X X X |
>-------------->-------------->-------------->-------------->
SECTION 2
!------------------------#--------------------------------------------------------------------------------------------------------
| | CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED)
| 1 |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| | 2 | 3 | 4 | 5 | 6 | 7 | 8
| | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`| "1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`| "2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`| "3.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`| "4.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`| "5.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`| "6.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`| "7.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0
`| "8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 247,003
`| "9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`12.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`13.`Earned`Premiums"" |"""""""|""""""|"""""""|""""""|"""""""|""""""|"""""""|""""""|"""""""|""""""|"""""""|
`|""`(Sch`P,`Part`1)` | 81,301 | 111,269 | 158,717 | 188,951 | 251,311 | 305,456 | 306,269
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| 12 |
#--------------#--------------#--------------| Current Year |
| 9 | 10 | 11 | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | (8)|
| 0 | 0 | 0 | 2 |
| 0 | 0 | 0 | 226 |
| 279,294 | 278,587 | 278,112 | (475)|
| 187,596 | 200,669 | 199,708 | (962)|
| X X X | 125,082 | 134,565 | 9,483 |
| X X X | X X X | 101,413 | 101,413 |
>-------------->-------------->--------------|--------------|
| 109,679 |
#--------------#--------------#--------------|--------------|
| 224,832 | 135,033 | 109,679 | X X X |
>-------------->-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 6E - COMMERCIAL MULTIPLE PERIL
SECTION 1
!------------------------#--------------------------------------------------------------------------------------------------------
| 1 | CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED)
| Years in |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| Which Premiums | | | | | | |
| Were Earned | 2 | 3 | 4 | 5 | 6 | 7 | 8
| and Losses | | | | | | |
| Were Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`|``1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``3.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`|``4.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|``5.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`|``6.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`|``7.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|``8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 601,227
`|``9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`12.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`13.`Earned`Premiums````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````
`|`````(Sch`P,`Part`1)` | 387,310 | 650,932 | 738,672 | 731,950 | 674,236 | 608,782 | 601,390
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| |
#--------------#--------------#--------------| 12 |
| | | | |
| 9 | 10 | 11 | Current Year |
| | | | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 2 |
| 0 | 0 | 0 | (7)|
| 0 | 0 | 0 | (70)|
| 0 | 0 | 0 | (145)|
| 0 | 0 | 0 | (22)|
| 0 | 0 | 0 | (8)|
| 616,773 | 615,632 | 615,614 | (18)|
| 620,126 | 634,647 | 634,161 | (486)|
| X X X | 646,600 | 664,697 | 18,097 |
| X X X | X X X | 702,723 | 702,723 |
>-------------->-------------->--------------|--------------|
| 720,066 |
#--------------#--------------#--------------|--------------|
|``````````````|``````````````|``````````````|``````````````|
| 636,937 | 658,826 | 720,066 | X X X |
>-------------->-------------->-------------->-------------->
SECTION 2
!------------------------#--------------------------------------------------------------------------------------------------------
| | CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED)
| 1 |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| | 2 | 3 | 4 | 5 | 6 | 7 | 8
| | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`|``1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``3.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`|``4.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|``5.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`|``6.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`|``7.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|``8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 2,069
`|``9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`12.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`13.`Earned`Premiums````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````
`|`````(Sch`P,`Part`1)` | 18,374 | 26,143 | 18,418 | 13,795 | 4,649 | 4,166 | 5,796
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| 12 |
#--------------#--------------#--------------| Current Year |
| 9 | 10 | 11 | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 5,552 | 5,551 | 5,551 | 0 |
| 2,674 | 5,236 | 5,234 | (2)|
| X X X | 3,737 | 4,854 | 1,117 |
| X X X | X X X | 5,936 | 5,936 |
>-------------->-------------->--------------|--------------|
| 7,051 |
#--------------#--------------#--------------|--------------|
|``````````````|``````````````|``````````````|``````````````|
| 5,964 | 6,298 | 7,051 | X X X |
>-------------->-------------->-------------->-------------->
SCHEDULE P - PART 6H - OTHER LIABILITY - OCCURRENCE
SECTION 1A
!------------------------#--------------------------------------------------------------------------------------------------------
| 1 | CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED)
| Years in |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| Which Premiums | | | | | | |
| Were Earned | 2 | 3 | 4 | 5 | 6 | 7 | 8
| and Losses | | | | | | |
| Were Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`|``1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``3.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`|``4.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|``5.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`|``6.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`|``7.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|``8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 103,932
`|``9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`12.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`13.`Earned`Premiums````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````
`|`````(Sch`P,`Part`1)` | 624,510 | 526,042 | 290,820 | 261,224 | 177,601 | 116,299 | 99,208
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| |
#--------------#--------------#--------------| 12 |
| | | | |
| 9 | 10 | 11 | Current Year |
| | | | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | 1 |
| 0 | 0 | 0 | 49 |
| 0 | 0 | 0 | 238 |
| 0 | 0 | 0 | 142 |
| 0 | 0 | 0 | (557)|
| 0 | 0 | 0 | (28)|
| 0 | 0 | 0 | (57)|
| 112,363 | 112,489 | 112,300 | (188)|
| 97,555 | 105,885 | 112,764 | 6,879 |
| X X X | 111,753 | 126,915 | 15,162 |
| X X X | X X X | 125,444 | 125,444 |
>-------------->-------------->--------------|--------------|
| 147,085 |
#--------------#--------------#--------------|--------------|
|``````````````|``````````````|``````````````|``````````````|
| 102,421 | 108,693 | 147,085 | X X X |
>-------------->-------------->-------------->-------------->
SECTION 2A
!------------------------#--------------------------------------------------------------------------------------------------------
| | CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED)
| 1 |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| | 2 | 3 | 4 | 5 | 6 | 7 | 8
| | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`|``1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``3.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`|``4.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|``5.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`|``6.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`|``7.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|``8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 7,981
`|``9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`12.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`13.`Earned`Premiums````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````
`|`````(Sch`P,`Part`1)` | 133,070 | 132,411 | 66,258 | 55,253 | 27,429 | 28,885 | (1,216)
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| 12 |
#--------------#--------------#--------------| Current Year |
| 9 | 10 | 11 | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 2 |
| 13,699 | 13,692 | 13,696 | 4 |
| 12,234 | 16,039 | 16,183 | 144 |
| X X X | 19,866 | 32,131 | 12,265 |
| X X X | X X X | 35,655 | 35,655 |
>-------------->-------------->--------------|--------------|
| 48,070 |
#--------------#--------------#--------------|--------------|
|``````````````|``````````````|``````````````|``````````````|
| 17,926 | 21,051 | 48,070 | X X X |
>-------------->-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 6H - OTHER LIABILITY - CLAIMS-MADE
SECTION 1B
!------------------------#--------------------------------------------------------------------------------------------------------
| 1 | CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED)
| Years in |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| Which Premiums | | | | | | |
| Were Earned | 2 | 3 | 4 | 5 | 6 | 7 | 8
| and Losses | | | | | | |
| Were Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`|``1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``3.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`|``4.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|``5.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`|``6.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`|``7.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|``8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 1,709
`|``9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`12.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`13.`Earned`Premiums````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````
`|`````(Sch`P,`Part`1)` | 68 | 1,993 | 2,406 | 2,190 | 3,137 | 2,122 | 1,550
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| |
#--------------#--------------#--------------| 12 |
| | | | |
| 9 | 10 | 11 | Current Year |
| | | | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 2,146 | 2,144 | 2,144 | 0 |
| 2,280 | 2,632 | 2,598 | (34)|
| X X X | 3,611 | 4,551 | 940 |
| X X X | X X X | 6,374 | 6,374 |
>-------------->-------------->--------------|--------------|
| 7,280 |
#--------------#--------------#--------------|--------------|
|``````````````|``````````````|``````````````|``````````````|
| 1,834 | 2,738 | 7,280 | X X X |
>-------------->-------------->-------------->-------------->
SECTION 2B
!------------------------#--------------------------------------------------------------------------------------------------------
| | CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED)
| 1 |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| | 2 | 3 | 4 | 5 | 6 | 7 | 8
| | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`|``1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``3.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`|``4.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|``5.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`|``6.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`|``7.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|``8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 472
`|``9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`12.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`13.`Earned`Premiums````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````
`|`````(Sch`P,`Part`1)` | 0 | 0 | 0 | 286 | 42 | 270 | 517
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| 12 |
#--------------#--------------#--------------| Current Year |
| 9 | 10 | 11 | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 483 | 483 | 483 | 0 |
| 469 | 436 | 498 | 61 |
| X X X | 364 | 732 | 369 |
| X X X | X X X | 1,621 | 1,621 |
>-------------->-------------->--------------|--------------|
| 2,051 |
#--------------#--------------#--------------|--------------|
|``````````````|``````````````|``````````````|``````````````|
| 480 | 202 | 2,051 | X X X |
>-------------->-------------->-------------->-------------->
SCHEDULE P - PART 6M - INTERNATIONAL
SECTION 1
!------------------------#--------------------------------------------------------------------------------------------------------
| 1 | CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED)
| Years in |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| Which Premiums | | | | | | |
| Were Earned | 2 | 3 | 4 | 5 | 6 | 7 | 8
| and Losses | | | | | | |
| Were Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`|``1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``3.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`|``4.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|``5.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`|``6.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`|``7.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|``8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 10,941
`|``9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`12.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`13.`Earned`Premiums````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````
`|`````(Sch`P,`Part`1)` | 0 | 19,649 | 14,651 | 12,386 | 9,982 | 4,683 | 12,988
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| |
#--------------#--------------#--------------| 12 |
| | | | |
| 9 | 10 | 11 | Current Year |
| | | | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | 40 |
| 0 | 0 | 0 | 3 |
| 0 | 0 | 0 | 11 |
| 0 | 0 | 0 | 10 |
| 0 | 0 | 0 | 3 |
| 0 | 0 | 0 | 3 |
| 0 | 0 | 0 | 10 |
| 27,440 | 28,689 | 28,771 | 82 |
| 60,136 | 104,403 | 106,342 | 1,939 |
| X X X | 86,445 | 138,349 | 51,903 |
| X X X | X X X | 91,204 | 91,204 |
>-------------->-------------->--------------|--------------|
| 145,208 |
#--------------#--------------#--------------|--------------|
|``````````````|``````````````|``````````````|``````````````|
| 77,224 | 132,147 | 145,208 | X X X |
>-------------->-------------->-------------->-------------->
SECTION 2
!------------------------#--------------------------------------------------------------------------------------------------------
| | CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED)
| 1 |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| | 2 | 3 | 4 | 5 | 6 | 7 | 8
| | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`|``1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``3.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`|``4.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|``5.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`|``6.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`|``7.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|``8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 0
`|``9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`12.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`13.`Earned`Premiums````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````
`|`````(Sch`P,`Part`1)` | 0 | 337 | 122 | 63 | 69 | 39 | 0
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| 12 |
#--------------#--------------#--------------| Current Year |
| 9 | 10 | 11 | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| X X X | 0 | 0 | 0 |
| X X X | X X X | 0 | 0 |
>-------------->-------------->--------------|--------------|
| 0 |
#--------------#--------------#--------------|--------------|
|``````````````|``````````````|``````````````|``````````````|
| 0 | 0 | 0 | X X X |
>-------------->-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 6N - REINSURANCE A
SECTION 1
!------------------------#--------------------------------------------------------------------------------------------------------
| 1 | CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED)
| Years in |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| Which Premiums | | | | | | |
| Were Earned | 2 | 3 | 4 | 5 | 6 | 7 | 8
| and Losses | | | | | | |
| Were Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`|``1.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`|``2.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|``3.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`|``4.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`|``5.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|``6.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 56,564
`|``7.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|``8.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|``9.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`10.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`11.`Earned`Premiums````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````
`|`````(Sch`P,`Part`1)` | 0 | 34,707 | 25,922 | 79,740 | 60,073 | 56,589 | 61,844
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| |
#--------------#--------------#--------------| 12 |
| | | | |
| 9 | 10 | 11 | Current Year |
| | | | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | (28)|
| 0 | 0 | 0 | (82)|
| 0 | 0 | 0 | (22)|
| 0 | 0 | 0 | 25 |
| 0 | 0 | 0 | 30 |
| 64,071 | 64,882 | 65,041 | 160 |
| 45,979 | 93,343 | 94,010 | 667 |
| X X X | 27,904 | 35,110 | 7,206 |
| X X X | X X X | 50,702 | 50,702 |
>-------------->-------------->--------------|--------------|
| 58,658 |
#--------------#--------------#--------------|--------------|
|``````````````|``````````````|``````````````|``````````````|
| 54,527 | 76,202 | 58,658 | X X X |
>-------------->-------------->-------------->-------------->
SECTION 2
!------------------------#--------------------------------------------------------------------------------------------------------
| | CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED)
| 1 |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| | 2 | 3 | 4 | 5 | 6 | 7 | 8
| | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`|``1.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`|``2.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|``3.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`|``4.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`|``5.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | (128)
`|``6.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 14,662
`|``7.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|``8.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|``9.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`10.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`11.`Earned`Premiums````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````
`|`````(Sch`P,`Part`1)` | 0 | 1,738 | 2,056 | 60,145 | 34,454 | 12,582 | 10,382
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| 12 |
#--------------#--------------#--------------| Current Year |
| 9 | 10 | 11 | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 1 |
| (140)| (146)| (145)| 4 |
| 17,076 | 17,362 | 17,426 | 64 |
| 16,101 | 35,767 | 35,870 | 102 |
| X X X | 9,895 | 13,040 | 3,145 |
| X X X | X X X | 23,961 | 23,961 |
>-------------->-------------->--------------|--------------|
| 27,277 |
#--------------#--------------#--------------|--------------|
|``````````````|``````````````|``````````````|``````````````|
| 18,639 | 29,867 | 27,277 | X X X |
>-------------->-------------->-------------->-------------->
SCHEDULE P - PART 6O - REINSURANCE B
SECTION 1
!------------------------#--------------------------------------------------------------------------------------------------------
| 1 | CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED)
| Years in |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| Which Premiums | | | | | | |
| Were Earned | 2 | 3 | 4 | 5 | 6 | 7 | 8
| and Losses | | | | | | |
| Were Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`|``1.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`|``2.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|``3.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`|``4.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`|``5.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|``6.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 277,773
`|``7.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|``8.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|``9.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`10.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`11.`Earned`Premiums````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````
`|`````(Sch`P,`Part`1)` | 0 | 155,207 | 443,293 | 321,700 | 150,161 | 193,065 | 331,591
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| |
#--------------#--------------#--------------| 12 |
| | | | |
| 9 | 10 | 11 | Current Year |
| | | | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | 350 |
| 0 | 0 | 0 | (8)|
| 0 | 0 | 0 | (28)|
| 0 | 0 | 0 | 37 |
| 0 | 0 | 0 | 266 |
| 307,462 | 311,419 | 295,355 | (16,064)|
| 199,868 | 230,327 | 226,449 | (3,877)|
| X X X | 221,762 | 223,589 | 1,826 |
| X X X | X X X | 199,962 | 199,962 |
>-------------->-------------->--------------|--------------|
| 182,464 |
#--------------#--------------#--------------|--------------|
|``````````````|``````````````|``````````````|``````````````|
| 238,226 | 256,710 | 182,464 | X X X |
>-------------->-------------->-------------->-------------->
SECTION 2
!------------------------#--------------------------------------------------------------------------------------------------------
| | CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED)
| 1 |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| | 2 | 3 | 4 | 5 | 6 | 7 | 8
| | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`|``1.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`|``2.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|``3.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`|``4.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`|``5.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | (16)
`|``6.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 325,349
`|``7.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|``8.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|``9.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`10.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`11.`Earned`Premiums````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````
`|`````(Sch`P,`Part`1)` | 0 | 139,405 | 419,913 | 308,404 | 142,532 | 175,005 | 372,114
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| 12 |
#--------------#--------------#--------------| Current Year |
| 9 | 10 | 11 | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | 359 |
| 0 | 0 | 0 | 72 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 18 |
| (16)| (16)| (16)| 185 |
| 348,256 | 351,506 | 335,188 | (16,318)|
| 67,349 | 71,523 | 55,401 | (16,122)|
| X X X | 207,867 | 198,274 | (9,594)|
| X X X | X X X | 166,873 | 166,873 |
>-------------->-------------->--------------|--------------|
| 125,473 |
#--------------#--------------#--------------|--------------|
|``````````````|``````````````|``````````````|``````````````|
| 101,075 | 216,242 | 125,473 | X X X |
>-------------->-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 6R - PRODUCTS LIABILITY - OCCURRENCE
SECTION 1A
!------------------------#--------------------------------------------------------------------------------------------------------
| 1 | CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED)
| Years in |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| Which Premiums | | | | | | |
| Were Earned | 2 | 3 | 4 | 5 | 6 | 7 | 8
| and Losses | | | | | | |
| Were Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`|``1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``3.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`|``4.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|``5.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`|``6.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`|``7.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|``8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 5,762
`|``9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`12.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`13.`Earned`Premiums````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````
`|`````(Sch`P,`Part`1)` | 69,307 | 45,670 | 29,430 | 24,423 | 17,168 | 12,044 | 11,626
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| |
#--------------#--------------#--------------| 12 |
| | | | |
| 9 | 10 | 11 | Current Year |
| | | | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | 10 |
| 0 | 0 | 0 | 39 |
| 0 | 0 | 0 | (69)|
| 0 | 0 | 0 | (71)|
| 0 | 0 | 0 | (83)|
| 0 | 0 | 0 | (15)|
| 0 | 0 | 0 | (26)|
| 9,975 | 10,004 | 9,985 | (20)|
| 3,942 | 4,742 | 4,774 | 32 |
| X X X | 4,674 | 5,004 | 330 |
| X X X | X X X | 5,843 | 5,843 |
>-------------->-------------->--------------|--------------|
| 5,970 |
#--------------#--------------#--------------|--------------|
|``````````````|``````````````|``````````````|``````````````|
| 8,042 | 4,691 | 5,970 | X X X |
>-------------->-------------->-------------->-------------->
SECTION 2A
!------------------------#--------------------------------------------------------------------------------------------------------
| | CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED)
| 1 |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| | 2 | 3 | 4 | 5 | 6 | 7 | 8
| | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`|``1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``3.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`|``4.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|``5.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`|``6.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`|``7.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|``8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 675
`|``9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`12.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`13.`Earned`Premiums````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````
`|`````(Sch`P,`Part`1)` | 20,533 | 15,513 | 10,438 | 8,559 | 5,206 | 3,459 | 5,243
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| 12 |
#--------------#--------------#--------------| Current Year |
| 9 | 10 | 11 | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 3,782 | 3,776 | 3,782 | 7 |
| 61 | 214 | 214 | 0 |
| X X X | 579 | 857 | 278 |
| X X X | X X X | 4 | 4 |
>-------------->-------------->--------------|--------------|
| 289 |
#--------------#--------------#--------------|--------------|
|``````````````|``````````````|``````````````|``````````````|
| 3,169 | 639 | 289 | X X X |
>-------------->-------------->-------------->-------------->
SCHEDULE P - PART 6R - PRODUCTS LIABILITY - CLAIMS-MADE
SECTION 1B
!------------------------#--------------------------------------------------------------------------------------------------------
| 1 | CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED)
| Years in |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| Which Premiums | | | | | | |
| Were Earned | 2 | 3 | 4 | 5 | 6 | 7 | 8
| and Losses | | | | | | |
| Were Incurred | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`|``1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``3.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`|``4.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|``5.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`|``6.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`|``7.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|``8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 107
`|``9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`12.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`13.`Earned`Premiums````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````
`|`````(Sch`P,`Part`1)` | 14 | 234 | 310 | 294 | 285 | 104 | 118
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| |
#--------------#--------------#--------------| 12 |
| | | | |
| 9 | 10 | 11 | Current Year |
| | | | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 107 | 107 | 107 | 0 |
| 64 | 97 | 97 | 0 |
| X X X | 44 | 44 | 0 |
| X X X | X X X | 10 | 10 |
>-------------->-------------->--------------|--------------|
| 10 |
#--------------#--------------#--------------|--------------|
|``````````````|``````````````|``````````````|``````````````|
| 62 | 78 | 10 | X X X |
>-------------->-------------->-------------->-------------->
SECTION 2B
!------------------------#--------------------------------------------------------------------------------------------------------
| | CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED)
| 1 |--------------#--------------#--------------#--------------#--------------#--------------#--------------
| | 2 | 3 | 4 | 5 | 6 | 7 | 8
| | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993
|------------------------|--------------|--------------|--------------|--------------|--------------|--------------|--------------
`|``1.`Prior` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``2.`1987` | 0 | 0 | 0 | 0 | 0 | 0 | 0
`|``3.`1988` | X X X | 0 | 0 | 0 | 0 | 0 | 0
`|``4.`1989` | X X X | X X X | 0 | 0 | 0 | 0 | 0
`|``5.`1990` | X X X | X X X | X X X | 0 | 0 | 0 | 0
`|``6.`1991` | X X X | X X X | X X X | X X X | 0 | 0 | 0
`|``7.`1992` | X X X | X X X | X X X | X X X | X X X | 0 | 0
`|``8.`1993` | X X X | X X X | X X X | X X X | X X X | X X X | 0
`|``9.`1994` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.`1995` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.`1996` | X X X | X X X | X X X | X X X | X X X | X X X | X X X
|------------------------>-------------->-------------->-------------->-------------->-------------->-------------->--------------
`|`12.`Total`
|------------------------#--------------#--------------#--------------#--------------#--------------#--------------#--------------
`|`13.`Earned`Premiums````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````|``````````````
`|`````(Sch`P,`Part`1)` | 0 | 0 | 0 | 0 | 0 | 0 | 0
------------------------->-------------->-------------->-------------->-------------->-------------->-------------->--------------
- - ---------------------------------------------#--------------#
| 12 |
#--------------#--------------#--------------| Current Year |
| 9 | 10 | 11 | Premiums |
| 1994 | 1995 | 1996 | Earned |
|--------------|--------------|--------------|--------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| X X X | 0 | 0 | 0 |
| X X X | X X X | 0 | 0 |
>-------------->-------------->--------------|--------------|
| 0 |
#--------------#--------------#--------------|--------------|
|``````````````|``````````````|``````````````|``````````````|
| 0 | 0 | 0 | X X X |
>-------------->-------------->-------------->-------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 7A - PRIMARY LOSS SENSITIVE CONTRACTS
($000 OMITTED)
SECTION 1
!---------------------------------------------------------------------------------------------#---------------#---------------
| | 2 | 3
| | | Net Losses
| | Total Net | and Expenses
| Schedule P - Part 1 | Losses and | Unpaid on
| | Expenses |Loss Sensitive
| | Unpaid | Contracts
|---------------------------------------------------------------------------------------------|---------------|---------------
`|``1.`Homeowners/Farmowners` | 73,545 | 0
`|``2.`Private`Passenger`Auto`Liability/Medical` | 356,234 | 0
`|``3.`Commercial` Auto/Truck`Liability/Medical` | 319,236 | 2,807
`|``4.`Workers'`Compensation` | 1,554,939 | 214,077
`|``5.`Commercial`Multiple`Peril` | 1,185,393 | 6,030
`|``6.`Medical`Malpractice`-`Occurrence` | 3,161 | 0
`|``7.`Medical`Malpractice`-`Claims-made` | 624 | 0
`|``8.`Special`Liability` | 31,146 | 0
`|``9.`Other`Liability`-`Occurrence` | 671,247 | 31,981
`|`10.`Other`Liability`-`Claims-made` | 12,294 | 3
`|`11.`Special`Property` | 71,352 | 1
`|`12.`Auto`Physical`Damage` | 33,735 | 3
`|`13.`Fidelity/Surety` | 71,363 | 0
`|`14.`Other` | 411 | 0
`|`15.`International` | 137,230 | 0
`|`16.`Reinsurance`A` | X X X | X X X
`|`17.`Reinsurance`B` | X X X | X X X
`|`18.`Reinsurance`C` | X X X | X X X
`|`19.`Reinsurance`D` | X X X | X X X
`|`20.`Products`Liability`-`Occurrence` | 95,695 | 3,151
`|`21.`Products`Liability`-`Claims-made` | 1,128 | 0
`|`22.`Financial`Guaranty/Mortgage`Guaranty` | 115 | 0
`|---------------------------------------------------------------------------------------------|---------------|---------------
`|`23.`Totals` | 4,618,848 | 258,053
---------------------------------------------------------------------------------------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| 4 | 5 | 6 | 7 |
| | | | |
|Loss Sensitive | Total Net | Net Premiums |Loss Sensitive |
| as Percentage | Premiums | Written on | as Percentage |
| of Total | Written |Loss Sensitive | of Total |
| | | Contracts | |
|---------------|---------------|---------------|---------------|
| 0.0 | 166,585 | 0 | 0.0 |
| 0.0 | 288,033 | 0 | 0.0 |
| 0.9 | 196,390 | 1,739 | 0.9 |
| 13.8 | 194,313 | 12,045 | 6.2 |
| 0.5 | 723,422 | 373 | 0.1 |
| 0.0 | 0 | 0 | 0.0 |
| 0.0 | 0 | 0 | 0.0 |
| 0.0 | 21,325 | 0 | 0.0 |
| 4.8 | 105,416 | 1,650 | 1.6 |
| 0.0 | 5,568 | 0 | 0.0 |
| 0.0 | 181,155 | 12 | 0.0 |
| 0.0 | 218,339 | 65 | 0.0 |
| 0.0 | 173,697 | 0 | 0.0 |
| 0.0 | 186 | 0 | 0.0 |
| 0.0 | 142,272 | 0 | 0.0 |
| X X X | X X X | X X X | X X X |
| X X X | X X X | X X X | X X X |
| X X X | X X X | X X X | X X X |
| X X X | X X X | X X X | X X X |
| 3.3 | 5,972 | 111 | 1.9 |
| 0.0 | 78 | 0 | 0.0 |
| 0.0 | 0 | 0 | 0.0 |
|---------------|---------------|---------------|---------------|
| 5.6 | 2,422,751 | 15,995 | 0.7 |
>--------------->--------------->--------------->--------------->
SECTION 2
!-----------------------------#-----------------------------------------------------------------------------------------------
| 1 | INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END ($000 OMITTED)
| |---------------#---------------#---------------#---------------#---------------#---------------
| Year in Which | 2 | 3 | 4 | 5 | 6 | 7
| Policies Were | | | | | |
| Issued | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|-----------------------------|---------------|---------------|---------------|---------------|---------------|---------------
`|``1.```Prior` | 0 | 0 | 0 | 0 | 0 | 0
`|``2.```1987` | 0 | 0 | 0 | 0 | 0 | 0
`|``3.```1988` | X X X | 0 | 0 | 0 | 0 | 0
`|``4.```1989` | X X X | X X X | 0 | 0 | 0 | 0
`|``5.```1990` | X X X | X X X | X X X | 0 | 0 | 0
`|``6.```1991` | X X X | X X X | X X X | X X X | 0 | 0
`|``7.```1992` | X X X | X X X | X X X | X X X | X X X | 0
`|``8.```1993` | X X X | X X X | X X X | X X X | X X X | X X X
`|``9.```1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.```1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.```1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
- - ----------------------------------------------------------------#
|
#---------------#---------------#---------------#---------------|
| 8 | 9 | 10 | 11 |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
|---------------|---------------|---------------|---------------|
| 118,800 | 104,250 | 91,150 | 79,506 |
| 130,647 | 131,535 | 129,055 | 128,659 |
| 169,221 | 168,833 | 166,520 | 161,681 |
| 175,335 | 172,712 | 171,241 | 166,774 |
| 124,716 | 126,758 | 125,451 | 121,571 |
| 68,332 | 66,980 | 68,319 | 67,652 |
| 34,267 | 41,073 | 40,915 | 41,436 |
| 10,221 | 24,258 | 24,340 | 24,222 |
| X X X | 10,781 | 21,569 | 16,899 |
| X X X | X X X | 12,934 | 22,597 |
| X X X | X X X | X X X | 9,964 |
>--------------->--------------->--------------->--------------->
SECTION 3
!-----------------------------#-----------------------------------------------------------------------------------------------
| 1 |BULK AND INCURRED BUT NOT REPORTED RESERVES FOR LOSSES AND ALLOCATED EXPENSES AT YEAR END ($000
| |---------------#---------------#---------------#---------------#---------------#---------------
| Year in Which | 2 | 3 | 4 | 5 | 6 | 7
| Policies Were | | | | | |
| Issued | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|-----------------------------|---------------|---------------|---------------|---------------|---------------|---------------
`|``1.```Prior` | 0 | 0 | 0 | 0 | 0 | 0
`|``2.```1987` | 0 | 0 | 0 | 0 | 0 | 0
`|``3.```1988` | X X X | 0 | 0 | 0 | 0 | 0
`|``4.```1989` | X X X | X X X | 0 | 0 | 0 | 0
`|``5.```1990` | X X X | X X X | X X X | 0 | 0 | 0
`|``6.```1991` | X X X | X X X | X X X | X X X | 0 | 0
`|``7.```1992` | X X X | X X X | X X X | X X X | X X X | 0
`|``8.```1993` | X X X | X X X | X X X | X X X | X X X | X X X
`|``9.```1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.```1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.```1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
- - ----------------------------------------------------------------#
OMITTED) |
#---------------#---------------#---------------#---------------|
| 8 | 9 | 10 | 11 |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
|---------------|---------------|---------------|---------------|
| 37,120 | 37,636 | 41,473 | 35,418 |
| 13,102 | 13,695 | 12,978 | 11,979 |
| 17,462 | 18,750 | 19,139 | 14,231 |
| 42,245 | 38,661 | 37,931 | 29,395 |
| 28,366 | 27,344 | 25,722 | 20,894 |
| 13,847 | 12,399 | 12,708 | 11,305 |
| 6,858 | 7,168 | 7,062 | 7,985 |
| 3,460 | 8,428 | 6,764 | 7,129 |
| X X X | 6,586 | 10,064 | 4,982 |
| X X X | X X X | 7,813 | 9,819 |
| X X X | X X X | X X X | 6,343 |
- - ---------------->--------------->--------------->--------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 7A - PRIMARY LOSS SENSITIVE CONTRACTS (Continued)
SECTION 4
!-------------------#-----------------------------------------------------------------------------------------------------
| 1 | NET EARNED PREMIUMS REPORTED AT YEAR END ($000 OMITTED)
| |----------------#----------------#----------------#----------------#----------------#----------------
| Years in Which | 2 | 3 | 4 | 5 | 6 | 7
| Policies Were | | | | | |
| Issued | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|-------------------|----------------|----------------|----------------|----------------|----------------|----------------
`|``1.```Prior` | 25,760 | 8,859 | 5,871 | 7,808 | 1,098 | 1,363
`|``2.```1987` | 95,683 | 121,539 | 130,080 | 157,125 | 156,940 | 154,196
`|``3.```1988` | X X X | 99,606 | 137,018 | 172,380 | 179,405 | 179,407
`|``4.```1989` | X X X | X X X | 110,075 | 243,172 | 258,138 | 260,315
`|``5.```1990` | X X X | X X X | X X X | 65,665 | 151,443 | 153,830
`|``6.```1991` | X X X | X X X | X X X | X X X | 46,279 | 78,614
`|``7.```1992` | X X X | X X X | X X X | X X X | X X X | 31,891
`|``8.```1993` | X X X | X X X | X X X | X X X | X X X | X X X
`|``9.```1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.```1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.```1996` | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->---------------->---------------->---------------->---------------->---------------->----------------
- - --------------------------------------------------------------------#
|
#----------------#----------------#----------------#----------------|
| 8 | 9 | 10 | 11 |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
|----------------|----------------|----------------|----------------|
| (1,915)| (692)| 676 | 168 |
| 153,219 | 152,148 | 151,014 | 147,320 |
| 170,575 | 166,055 | 162,437 | 160,016 |
| 241,159 | 234,700 | 233,818 | 232,459 |
| 152,233 | 146,977 | 146,270 | 143,981 |
| 85,812 | 82,036 | 79,668 | 79,288 |
| 53,456 | 52,873 | 51,917 | 51,897 |
| 28,188 | 38,469 | 31,837 | 30,184 |
| X X X | 16,738 | 28,174 | 24,842 |
| X X X | X X X | 17,957 | 24,108 |
| X X X | X X X | X X X | 10,165 |
>---------------->---------------->---------------->---------------->
SECTION 5
!-------------------#-----------------------------------------------------------------------------------------------------
| 1 | NET RESERVE FOR PREMIUM ADJUSTMENTS AND ACCRUED RETROSPECTIVE PREMIUMS AT YEAR END ($000 OMITTED)
| |----------------#----------------#----------------#----------------#----------------#----------------
| Years in Which | 2 | 3 | 4 | 5 | 6 | 7
| Policies Were | | | | | |
| Issued | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|-------------------|----------------|----------------|----------------|----------------|----------------|----------------
`|``1.```Prior` | 0 | 0 | 0 | 0 | 0 | 0
`|``2.```1987` | 0 | 0 | 0 | 0 | 0 | 0
`|``3.```1988` | X X X | 0 | 0 | 0 | 0 | 0
`|``4.```1989` | X X X | X X X | 0 | 0 | 0 | 0
`|``5.```1990` | X X X | X X X | X X X | 0 | 0 | 0
`|``6.```1991` | X X X | X X X | X X X | X X X | 0 | 0
`|``7.```1992` | X X X | X X X | X X X | X X X | X X X | 0
`|``8.```1993` | X X X | X X X | X X X | X X X | X X X | X X X
`|``9.```1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.```1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.```1996` | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->---------------->---------------->---------------->---------------->---------------->----------------
- - --------------------------------------------------------------------#
|
#----------------#----------------#----------------#----------------|
| 8 | 9 | 10 | 11 |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
|----------------|----------------|----------------|----------------|
| 254 | 0 | 0 | 0 |
| 5,769 | 3,820 | 2,661 | 958 |
| 10,723 | 5,793 | 2,296 | 151 |
| 15,923 | 8,392 | 5,690 | 4,322 |
| 18,197 | 7,484 | 5,661 | 4,814 |
| 10,273 | 3,330 | 463 | 120 |
| 4,198 | 5,548 | 2,038 | 696 |
| 1,617 | 2,784 | 2,777 | 813 |
| X X X | 1,678 | (549)| 1,688 |
| X X X | X X X | 1,213 | (5,795)|
| X X X | X X X | X X X | (1,807)|
>---------------->---------------->---------------->---------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 7B - REINSURANCE LOSS SENSITIVE CONTRACTS
($000 OMITTED)
SECTION 1
!---------------------------------------------------------------------------------------------#---------------#---------------
| | 2 | 3
| | | Net Losses
| | Total Net | and Expenses
| Schedule P - Part 1 | Losses and | Unpaid on
| | Expenses |Loss Sensitive
| | Unpaid | Contracts
|---------------------------------------------------------------------------------------------|---------------|---------------
`|``1.`Homeowners/Farmowners` | 73,545 |
`|``2.`Private`Passenger`Auto`Liability/Medical` | 356,234 |
`|``3.`Commercial` Auto/Truck`Liability/Medical` | 319,236 | 706
`|``4.`Workers'`Compensation` | 1,554,939 |
`|``5.`Commercial`Multiple`Peril` | 1,185,393 |
`|``6.`Medical`Malpractice`-`Occurrence` | 3,161 |
`|``7.`Medical`Malpractice`-`Claims-made` | 624 |
`|``8.`Special`Liability` | 31,146 |
`|``9.`Other`Liability`-`Occurrence` | 671,247 | 1,145
`|`10.`Other`Liability`-`Claims-made` | 12,294 |
`|`11.`Special`Property` | 71,352 |
`|`12.`Auto`Physical`Damage` | 33,735 |
`|`13.`Fidelity/Surety` | 71,363 |
`|`14.`Other` | 411 |
`|`15.`International` | 137,230 |
`|`16.`Reinsurance`A` | 90,326 |
`|`17.`Reinsurance`B` | 129,170 |
`|`18.`Reinsurance`C` | 1,631 |
`|`19.`Reinsurance`D` | 3,906 |
`|`20.`Products`Liability`-`Occurrence` | 95,695 |
`|`21.`Products`Liability`-`Claims-made` | 1,128 |
`|`22.`Financial`Guaranty/Mortgage`Guaranty` | 115 |
`|---------------------------------------------------------------------------------------------|---------------|---------------
`|`23.`Totals` | 4,843,881 | 1,851
---------------------------------------------------------------------------------------------->--------------->---------------
#---------------#---------------#---------------#---------------#
| 4 | 5 | 6 | 7 |
| | | | |
|Loss Sensitive | Total Net | Net Premiums |Loss Sensitive |
| as Percentage | Premiums | Written on | as Percentage |
| of Total | Written |Loss Sensitive | of Total |
| | | Contracts | |
|---------------|---------------|---------------|---------------|
| 0.0 | 166,585 | | 0.0 |
| 0.0 | 288,033 | | 0.0 |
| 0.2 | 196,390 | 378 | 0.2 |
| 0.0 | 194,313 | | 0.0 |
| 0.0 | 723,422 | | 0.0 |
| 0.0 | | | 0.0 |
| 0.0 | | | 0.0 |
| 0.0 | 21,325 | | 0.0 |
| 0.2 | 105,416 | 274 | 0.3 |
| 0.0 | 5,568 | | 0.0 |
| 0.0 | 181,155 | | 0.0 |
| 0.0 | 218,339 | | 0.0 |
| 0.0 | 173,697 | | 0.0 |
| 0.0 | 186 | | 0.0 |
| 0.0 | 142,272 | | 0.0 |
| 0.0 | 30,386 | | 0.0 |
| 0.0 | 50,585 | | 0.0 |
| 0.0 | (457)| | 0.0 |
| 0.0 | X X X | X X X | X X X |
| 0.0 | 5,972 | | 0.0 |
| 0.0 | 78 | | 0.0 |
| 0.0 | | | 0.0 |
|---------------|---------------|---------------|---------------|
| 0.0 | 2,503,265 | 652 | 0.0 |
>--------------->--------------->--------------->--------------->
SECTION 2
!-----------------------------#-----------------------------------------------------------------------------------------------
| 1 |INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END ($000 OMITTED)
| |---------------#---------------#---------------#---------------#---------------#---------------
| Year in Which | 2 | 3 | 4 | 5 | 6 | 7
| Policies Were | | | | | |
| Issued | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|-----------------------------|---------------|---------------|---------------|---------------|---------------|---------------
`|``1.```Prior` | 0 | 0 | 0 | 0 | 0 | 0
`|``2.```1987` | 0 | 0 | 0 | 0 | 0 | 0
`|``3.```1988` | X X X | 0 | 0 | 0 | 0 | 0
`|``4.```1989` | X X X | X X X | 0 | 0 | 0 | 0
`|``5.```1990` | X X X | X X X | X X X | 0 | 0 | 0
`|``6.```1991` | X X X | X X X | X X X | X X X | 0 | 0
`|``7.```1992` | X X X | X X X | X X X | X X X | X X X | 0
`|``8.```1993` | X X X | X X X | X X X | X X X | X X X | X X X
`|``9.```1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.```1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.```1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
- - ----------------------------------------------------------------#
|
#---------------#---------------#---------------#---------------|
| 8 | 9 | 10 | 11 |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
|---------------|---------------|---------------|---------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 52 | 209 | 209 | 142 |
| X X X | 402 | 1,112 | 1,112 |
| X X X | X X X | 494 | 1,114 |
| X X X | X X X | X X X | 194 |
>--------------->--------------->--------------->--------------->
SECTION 3
!-----------------------------#-----------------------------------------------------------------------------------------------
| 1 |BULK AND INCURRED BUT NOT REPORTED RESERVES FOR LOSSES AND ALLOCATED EXPENSES AT YEAR END ($000
| |---------------#---------------#---------------#---------------#---------------#---------------
| Year in Which | 2 | 3 | 4 | 5 | 6 | 7
| Policies Were | | | | | |
| Issued | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|-----------------------------|---------------|---------------|---------------|---------------|---------------|---------------
`|``1.```Prior` | 0 | 0 | 0 | 0 | 0 | 0
`|``2.```1987` | 0 | 0 | 0 | 0 | 0 | 0
`|``3.```1988` | X X X | 0 | 0 | 0 | 0 | 0
`|``4.```1989` | X X X | X X X | 0 | 0 | 0 | 0
`|``5.```1990` | X X X | X X X | X X X | 0 | 0 | 0
`|``6.```1991` | X X X | X X X | X X X | X X X | 0 | 0
`|``7.```1992` | X X X | X X X | X X X | X X X | X X X | 0
`|``8.```1993` | X X X | X X X | X X X | X X X | X X X | X X X
`|``9.```1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.```1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.```1996` | X X X | X X X | X X X | X X X | X X X | X X X
------------------------------>--------------->--------------->--------------->--------------->--------------->---------------
- - ----------------------------------------------------------------#
OMITTED) |
#---------------#---------------#---------------#---------------|
| 8 | 9 | 10 | 11 |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
|---------------|---------------|---------------|---------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 52 | 209 | 209 | 142 |
| X X X | 52 | 762 | 762 |
| X X X | X X X | 132 | 753 |
| X X X | X X X | X X X | 109 |
>--------------->--------------->--------------->--------------->
Form 2
COMBINED ANNUAL STATEMENT FOR THE YEAR 1996 OF
THE UNITED STATES FIDELITY AND GUARANTY COMPANY
AND ITS AFFILIATED PROPERTY AND CASUALTY INSURERS
SCHEDULE P - PART 7B - REINSURANCE LOSS SENSITIVE CONTRACTS (Continued)
SECTION 4
!-------------------#-----------------------------------------------------------------------------------------------------
| 1 | NET EARNED PREMIUMS REPORTED AT YEAR END ($000 OMITTED)
| |----------------#----------------#----------------#----------------#----------------#----------------
| Years in Which | 2 | 3 | 4 | 5 | 6 | 7
| Policies Were | | | | | |
| Issued | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|-------------------|----------------|----------------|----------------|----------------|----------------|----------------
`|``1.```Prior` | 0 | 0 | 0 | 0 | 0 | 0
`|``2.```1987` | 0 | 0 | 0 | 0 | 0 | 0
`|``3.```1988` | X X X | 0 | 0 | 0 | 0 | 0
`|``4.```1989` | X X X | X X X | 0 | 0 | 0 | 0
`|``5.```1990` | X X X | X X X | X X X | 0 | 0 | 0
`|``6.```1991` | X X X | X X X | X X X | X X X | 0 | 0
`|``7.```1992` | X X X | X X X | X X X | X X X | X X X | 0
`|``8.```1993` | X X X | X X X | X X X | X X X | X X X | X X X
`|``9.```1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.```1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.```1996` | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->---------------->---------------->---------------->---------------->---------------->----------------
- - --------------------------------------------------------------------#
|
#----------------#----------------#----------------#----------------|
| 8 | 9 | 10 | 11 |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
|----------------|----------------|----------------|----------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 69 | 275 | 275 | 188 |
| X X X | 527 | 1,450 | 1,449 |
| X X X | X X X | 641 | 1,445 |
| X X X | X X X | X X X | 252 |
>---------------->---------------->---------------->---------------->
SECTION 5
!-------------------#-----------------------------------------------------------------------------------------------------
| 1 |NET RESERVE FOR PREMIUM ADJUSTMENTS AND ACCRUED RETROSPECTIVE PREMIUMS AT YEAR END ($000 OMITTED)
| |----------------#----------------#----------------#----------------#----------------#----------------
| Years in Which | 2 | 3 | 4 | 5 | 6 | 7
| Policies Were | | | | | |
| Issued | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|-------------------|----------------|----------------|----------------|----------------|----------------|----------------
`|``1.```Prior` | 0 | 0 | 0 | 0 | 0 | 0
`|``2.```1987` | 0 | 0 | 0 | 0 | 0 | 0
`|``3.```1988` | X X X | 0 | 0 | 0 | 0 | 0
`|``4.```1989` | X X X | X X X | 0 | 0 | 0 | 0
`|``5.```1990` | X X X | X X X | X X X | 0 | 0 | 0
`|``6.```1991` | X X X | X X X | X X X | X X X | 0 | 0
`|``7.```1992` | X X X | X X X | X X X | X X X | X X X | 0
`|``8.```1993` | X X X | X X X | X X X | X X X | X X X | X X X
`|``9.```1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.```1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.```1996` | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->---------------->---------------->---------------->---------------->---------------->----------------
- - --------------------------------------------------------------------#
|
#----------------#----------------#----------------#----------------|
| 8 | 9 | 10 | 11 |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
|----------------|----------------|----------------|----------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| X X X | 0 | 0 | 0 |
| X X X | X X X | 0 | 0 |
| X X X | X X X | X X X | 0 |
>---------------->---------------->---------------->---------------->
SECTION 6
!-------------------#-----------------------------------------------------------------------------------------------------
| 1 | INCURRED ADJUSTABLE COMMISSIONS REPORTED AT YEAR END ($000 OMITTED)
| |----------------#----------------#----------------#----------------#----------------#----------------
| Years in Which | 2 | 3 | 4 | 5 | 6 | 7
| Policies Were | | | | | |
| Issued | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|-------------------|----------------|----------------|----------------|----------------|----------------|----------------
`|``1.```Prior` | 0 | 0 | 0 | 0 | 0 | 0
`|``2.```1987` | 0 | 0 | 0 | 0 | 0 | 0
`|``3.```1988` | X X X | 0 | 0 | 0 | 0 | 0
`|``4.```1989` | X X X | X X X | 0 | 0 | 0 | 0
`|``5.```1990` | X X X | X X X | X X X | 0 | 0 | 0
`|``6.```1991` | X X X | X X X | X X X | X X X | 0 | 0
`|``7.```1992` | X X X | X X X | X X X | X X X | X X X | 0
`|``8.```1993` | X X X | X X X | X X X | X X X | X X X | X X X
`|``9.```1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.```1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.```1996` | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->---------------->---------------->---------------->---------------->---------------->----------------
- - --------------------------------------------------------------------#
|
#----------------#----------------#----------------#----------------|
| 8 | 9 | 10 | 11 |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
|----------------|----------------|----------------|----------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| X X X | 0 | 0 | 0 |
| X X X | X X X | 0 | 0 |
| X X X | X X X | X X X | 0 |
>---------------->---------------->---------------->---------------->
SECTION 7
!-------------------#-----------------------------------------------------------------------------------------------------
| 1 | RESERVES FOR COMMISSION ADJUSTMENTS AT YEAR END ($000 OMITTED)
| |----------------#----------------#----------------#----------------#----------------#----------------
| Years in Which | 2 | 3 | 4 | 5 | 6 | 7
| Policies Were | | | | | |
| Issued | 1987 | 1988 | 1989 | 1990 | 1991 | 1992
|-------------------|----------------|----------------|----------------|----------------|----------------|----------------
`|``1.```Prior` | 0 | 0 | 0 | 0 | 0 | 0
`|``2.```1987` | 0 | 0 | 0 | 0 | 0 | 0
`|``3.```1988` | X X X | 0 | 0 | 0 | 0 | 0
`|``4.```1989` | X X X | X X X | 0 | 0 | 0 | 0
`|``5.```1990` | X X X | X X X | X X X | 0 | 0 | 0
`|``6.```1991` | X X X | X X X | X X X | X X X | 0 | 0
`|``7.```1992` | X X X | X X X | X X X | X X X | X X X | 0
`|``8.```1993` | X X X | X X X | X X X | X X X | X X X | X X X
`|``9.```1994` | X X X | X X X | X X X | X X X | X X X | X X X
`|`10.```1995` | X X X | X X X | X X X | X X X | X X X | X X X
`|`11.```1996` | X X X | X X X | X X X | X X X | X X X | X X X
-------------------->---------------->---------------->---------------->---------------->---------------->----------------
- - --------------------------------------------------------------------#
|
#----------------#----------------#----------------#----------------|
| 8 | 9 | 10 | 11 |
| | | | |
| 1993 | 1994 | 1995 | 1996 |
|----------------|----------------|----------------|----------------|
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 |
| X X X | 0 | 0 | 0 |
| X X X | X X X | 0 | 0 |
| X X X | X X X | X X X | 0 |
>---------------->---------------->---------------->---------------->