1
EXHIBIT 28
GROUP SCHEDULE P - PART 1 - SUMMARY
(1) PREMIUMS EARNED LOSS PAYMENTS ALLOCATED LAE PAYMENTS
AC/YR (2) (3) (4) (5) (6) (7) (8)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR XXX XXX XXX 8,246 2,590 2,253 1,427
1986 1,254,734 32,818 1,221,916 699,517 15,702 72,556 1,774
1987 1,394,210 37,581 1,356,629 720,241 10,070 69,155 593
1988 1,375,824 36,272 1,339,553 699,179 8,108 62,346 751
1989 1,393,527 29,351 1,364,177 778,131 15,684 63,155 597
1990 1,462,962 24,961 1,438,001 829,792 8,256 68,981 101
1991 1,495,615 26,561 1,469,055 859,734 34,974 65,646 1,799
1992 1,550,273 32,684 1,517,590 854,166 21,984 59,158 606
1993 1,423,123 43,696 1,379,427 716,925 7,154 41,131 64
1994 1,342,791 45,133 1,297,657 609,958 4,330 27,222 (168)
1995 1,305,589 41,012 1,264,577 388,829 3,552 11,550 1
TOTAL XXX XXX XXX 7,164,719 132,403 543,153 7,546
(1) (9) (10) (11) (12)
AC/YR SALVAGE & SUB UNALLOCATED LOSSES + LAE REPORTED
RECEIVED LAE PAID CLAIMS
PRIOR 863 28 6,510 XXX
1986 33,626 58,992 813,590 XXX
1987 32,621 62,271 841,003 XXX
1988 30,765 61,840 814,508 XXX
1989 34,119 64,116 889,122 XXX
1990 32,670 65,798 956,214 XXX
1991 31,897 65,004 953,612 XXX
1992 30,201 69,837 960,571 XXX
1993 23,739 61,039 811,876 XXX
1994 20,905 60,566 693,584 XXX
1995 10,459 47,732 444,558 XXX
TOTAL 281,865 617,224 8,185,147 XXX
LOSSES UNPAID ALLOCATED LAE UNPAID
CASE BASIS BULK + IBNR CASE BASIS BULK + IBNR
AC/YR (13) (14) (15) (16) (17) (18) (19) (20)
DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR 84,023 31,523 0 0 12,137 3,447 0 0
1986 15,019 2,497 1,515 52 2,022 262 1,015 30
1987 17,462 529 1,860 69 3,784 233 1,275 39
1988 18,362 1,386 1,886 69 2,291 161 1,284 39
1989 34,215 3,212 2,301 90 5,857 329 1,610 50
1990 49,183 2,382 3,012 100 11,659 428 1,953 55
1991 61,832 1,448 5,987 164 16,695 550 3,901 93
1992 94,587 1,414 8,231 233 25,037 235 4,955 125
1993 138,852 1,229 22,499 551 31,795 226 11,735 271
1994 211,015 3,824 38,406 1,201 35,490 321 16,482 451
1995 325,409 3,924 132,434 3,897 48,231 143 30,687 790
TOTAL 1,049,957 53,368 218,132 6,426 194,998 6,333 74,897 1,942
(21) (22) (23) (24)
AC/YR SALVAGE & SUB UNALLOCATED TOTAL OUTSTANDING
ANTICIPATED LAE UNPAID RESERVES CLAIMS
PRIOR 2,351 63,541 XXX
1986 606 17,337 XXX
1987 939 24,450 XXX
1988 764 22,932 XXX
1989 1,488 41,791 XXX
1990 2,770 65,612 XXX
1991 4,373 90,534 XXX
1992 6,621 137,424 XXX
1993 11,320 213,924 XXX
1994 17,169 312,766 XXX
1995 34,815 562,821 XXX
TOTAL 83,216 1,553,131 XXX
TOTAL LOSSES AND LOSS LOSS AND LOSS EXPENSE PERCENTAGE DISCOUNT FOR
EXPENSES INCURRED (INCURRED/PREMIUMS EARNED) TIME VALUE OF MONEY
AC/YR (25) (26) (27) (28) (29) (30) (31) (32)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED NET
PRIOR XXX XXX XXX XXX XXX XXX
1986 851,243 20,317 830,926 67.8 61.9 68.0
1987 876,986 11,532 865,453 62.9 30.7 63.8
1988 847,954 10,514 837,440 61.6 29.0 62.5
1989 950,874 19,962 930,912 68.2 68.0 68.2
1990 1,033,148 11,321 1,021,827 70.6 45.4 71.1
1991 1,083,174 39,028 1,044,146 72.4 146.9 71.1
1992 1,122,609 24,597 1,098,012 72.4 75.3 72.4
1993 1,035,298 9,495 1,025,803 72.7 21.7 74.4
1994 1,016,684 9,959 1,006,725 75.7 22.1 77.6
1995 1,019,289 12,307 1,006,982 78.1 30.0 79.6
TOTAL XXX XXX XXX XXX XXX XXX
INTERCOMPANY LOSSES LAE
POOLING PERC. UNPAID UNPAID
AC/YR (33) (34) (35)
PRIOR XXX 52,499 11,042
1986 13,986 3,351
1987 18,724 5,726
1988 18,793 4,140
1989 33,215 8,576
1990 49,713 15,900
1991 66,207 24,327
1992 101,171 36,253
1993 159,571 54,353
1994 244,396 68,369
1995 450,022 112,799
TOTAL XXX 1,208,296 344,835
2
GROUP SCHEDULE P - PART 1A - HOMEOWNERS
(1) PREMIUMS EARNED LOSS PAYMENTS ALLOCATED LAE PAYMENTS
AC/YR (2) (3) (4) (5) (6) (7) (8)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR XXX XXX XXX 96 0 24 0
1986 159,099 2,348 156,752 87,537 1,251 5,885 0
1987 166,422 1,902 164,520 87,175 26 5,907 0
1988 168,376 1,787 166,589 87,481 50 4,645 0
1989 167,251 2,262 164,988 102,974 0 5,679 0
1990 172,691 2,321 170,370 114,477 378 5,631 0
1991 180,475 3,102 177,373 145,257 19,660 5,802 271
1992 187,626 3,100 184,526 135,057 5,961 6,268 539
1993 176,137 8,408 167,729 123,039 496 5,936 4
1994 167,094 9,016 158,077 130,113 92 5,717 1
1995 169,546 8,428 161,118 80,422 0 2,770 0
TOTAL XXX XXX XXX 1,093,629 27,915 54,263 815
(1) (9) (10) (11) (12)
AC/YR SALVAGE & SUB UNALLOCATED LOSSES + LAE REPORTED
RECEIVED LAE PAID CLAIMS
PRIOR 11 8 127 XXX
1986 1,395 3,491 95,662 68,162
1987 1,606 3,571 96,627 71,439
1988 1,527 3,566 95,642 64,992
1989 1,476 4,047 112,700 65,753
1990 1,509 4,579 124,309 65,027
1991 1,120 5,492 136,620 66,236
1992 1,467 9,370 144,196 67,868
1993 941 8,923 137,397 67,794
1994 730 10,605 146,343 72,305
1995 201 6,601 89,793 51,789
TOTAL 11,982 60,253 1,179,415 XXX
LOSSES UNPAID ALLOCATED LAE UNPAID
CASE BASIS BULK + IBNR CASE BASIS BULK + IBNR
AC/YR (13) (14) (15) (16) (17) (18) (19) (20)
DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR 95 0 0 0 67 0 0 0
1986 61 0 58 3 48 0 55 3
1987 70 4 58 3 45 1 55 3
1988 251 0 58 3 175 0 55 3
1989 567 0 60 3 393 0 58 3
1990 546 0 107 5 284 0 76 4
1991 1,241 20 111 6 561 4 69 3
1992 3,072 542 315 16 1,271 102 177 9
1993 4,889 5 366 18 1,679 1 174 9
1994 8,972 0 1,254 63 1,952 0 377 19
1995 27,910 0 11,119 555 2,536 0 1,443 72
TOTAL 47,673 571 13,505 674 9,010 108 2,542 127
AC/YR (21) (22) (23) (24)
SALVAGE & SUB UNALLOCATED TOTAL OUTSTANDING
ANTICIPATED LAE UNPAID RESERVES CLAIMS
PRIOR 2 164 10
1986 7 224 2
1987 4 221 5
1988 8 541 7
1989 18 1,089 25
1990 16 1,020 14
1991 35 1,984 61
1992 77 4,244 122
1993 143 7,218 244
1994 292 12,766 597
1995 1,217 43,597 5,885
TOTAL 1,817 73,067 6,972
TOTAL LOSSES AND LOSS LOSS AND LOSS EXPENSE PERCENTAGE DISCOUNT FOR
EXPENSES INCURRED (INCURRED/PREMIUMS EARNED) TIME VALUE OF MONEY
AC/YR (25) (26) (27) (28) (29) (30) (31) (32)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED NET
PRIOR XXX XXX XXX XXX XXX XXX
1986 97,142 1,257 95,886 61.1 53.5 61.2
1987 96,885 37 96,848 58.2 2.0 58.9
1988 96,238 56 96,183 57.2 3.1 57.7
1989 113,795 6 113,789 68.0 0.3 69.0
1990 125,717 387 125,329 72.8 16.7 73.6
1991 158,568 19,964 138,604 87.9 643.6 78.1
1992 155,608 7,168 148,440 82.9 231.2 80.4
1993 145,149 533 144,615 82.4 6.3 86.2
1994 159,282 174 159,108 95.3 1.9 100.7
1995 134,017 628 133,390 79.0 7.4 82.8
TOTAL XXX XXX XXX XXX XXX XXX
INTERCOMPANY LOSSES LAE
POOLING PERC. UNPAID UNPAID
AC/YR (33) (34) (35)
PRIOR XXX 95 69
1986 116 107
1987 121 100
1988 306 235
1989 623 466
1990 648 373
1991 1,326 657
1992 2,829 1,415
1993 5,232 1,987
1994 10,163 2,603
1995 38,474 5,123
TOTAL XXX 59,933 13,134
3
GROUP SCHEDULE P - PART 1B - PP AUTO LIABILITY
(1) PREMIUMS EARNED LOSS PAYMENTS ALLOCATED LAE PAYMENTS
AC/YR (2) (3) (4) (5) (6) (7) (8)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR XXX XXX XXX 1,691 1,362 249 0
1986 284,603 6,853 277,750 223,949 2,625 17,316 4
1987 320,026 7,756 312,270 239,037 2,394 16,701 2
1988 318,131 7,787 310,344 227,387 3,378 14,073 19
1989 318,462 7,649 310,813 238,552 2,612 12,722 3
1990 333,396 6,676 326,721 253,075 2,327 13,599 0
1991 339,451 6,391 333,060 240,917 2,242 13,526 0
1992 362,947 7,108 355,839 246,289 2,507 13,965 2
1993 334,286 12,196 322,089 211,799 4,340 10,151 22
1994 320,149 12,617 307,532 162,165 3,382 6,760 0
1995 305,098 7,698 297,400 82,699 1,611 2,765 0
TOTAL XXX XXX XXX 2,127,558 28,780 121,826 51
(1) (9) (10) (11) (12)
AC/YR SALVAGE & SUB UNALLOCATED LOSSES + LAE REPORTED
RECEIVED LAE PAID CLAIMS
PRIOR 192 20 598 XXX
1986 5,551 22,262 260,898 80,173
1987 6,082 23,389 276,731 77,054
1988 4,880 23,258 261,322 69,365
1989 5,703 24,141 272,800 64,142
1990 5,444 24,652 288,999 61,387
1991 4,571 22,661 274,862 57,887
1992 4,268 21,802 279,547 60,062
1993 4,359 19,064 236,652 54,910
1994 2,309 17,820 183,363 53,015
1995 981 12,080 95,932 46,847
TOTAL 44,341 211,150 2,431,703 XXX
LOSSES UNPAID ALLOCATED LAE UNPAID
CASE BASIS BULK + IBNR CASE BASIS BULK + IBNR
AC/YR (13) (14) (15) (16) (17) (18) (19) (20)
DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR 15,342 13,299 0 0 3,720 1,941 0 0
1986 488 25 43 1 120 3 17 0
1987 626 12 57 2 157 2 21 1
1988 841 40 83 2 224 7 31 1
1989 1,890 157 83 2 495 24 31 1
1990 3,538 74 83 2 895 10 31 1
1991 7,223 59 175 4 1,846 9 66 2
1992 21,561 443 331 8 4,587 63 103 2
1993 43,145 265 471 11 7,228 26 116 3
1994 75,980 3,297 2,580 62 7,675 223 383 9
1995 134,111 1,138 20,342 551 10,555 53 2,358 65
TOTAL 304,746 18,809 24,247 645 37,503 2,360 3,157 84
(21) (22) (23) (24)
AC/YR SALVAGE & SUB UNALLOCATED TOTAL OUTSTANDING
ANTICIPATED LAE UNPAID RESERVES CLAIMS
PRIOR 576 4,398 150
1986 50 688 26
1987 62 907 25
1988 67 1,198 45
1989 146 2,462 67
1990 320 4,781 125
1991 639 9,873 284
1992 1,816 27,881 738
1993 3,689 54,346 1,667
1994 6,363 89,390 3,777
1995 13,077 178,637 14,023
TOTAL 26,805 374,559 20,927
TOTAL LOSSES AND LOSS LOSS AND LOSS EXPENSE PERCENTAGE DISCOUNT FOR
EXPENSES INCURRED (INCURRED/PREMIUMS EARNED) TIME VALUE OF MONEY
AC/YR (25) (26) (27) (28) (29) (30) (31) (32)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED NET
PRIOR XXX XXX XXX XXX XXX XXX
1986 264,244 2,658 261,585 92.8 38.8 94.2
1987 280,051 2,412 277,638 87.5 31.1 88.9
1988 265,966 3,446 262,520 83.6 44.3 84.6
1989 278,061 2,799 275,262 87.3 36.6 88.6
1990 296,194 2,414 293,779 88.8 36.2 89.9
1991 287,051 2,317 284,734 84.6 36.2 85.5
1992 310,452 3,025 307,427 85.5 42.6 86.4
1993 295,663 4,666 290,997 88.4 38.3 90.3
1994 279,726 6,973 272,753 87.4 55.3 88.7
1995 277,986 3,417 274,569 91.1 44.4 92.3
TOTAL XXX XXX XXX XXX XXX XXX
INTERCOMPANY LOSSES LAE
POOLING PERC. UNPAID UNPAID
AC/YR (33) (34) (35)
PRIOR XXX 2,043 2,355
1986 505 183
1987 669 238
1988 883 315
1989 1,814 648
1990 3,545 1,236
1991 7,333 2,540
1992 21,441 6,440
1993 43,340 11,005
1994 75,201 14,189
1995 152,764 25,872
TOTAL XXX 309,539 65,020
4
GROUP SCHEDULE P - PART 1C - COMM AUTO LIABILITY
(1) PREMIUMS EARNED LOSS PAYMENTS ALLOCATED LAE PAYMENTS
AC/YR (2) (3) (4) (5) (6) (7) (8)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR XXX XXX XXX 204 140 47 1
1986 103,599 2,556 101,043 60,869 840 6,853 106
1987 115,059 2,899 112,160 66,272 1,048 6,749 11
1988 111,555 2,980 108,575 62,142 1,313 6,000 27
1989 115,499 3,154 112,344 64,722 1,196 5,528 16
1990 123,518 3,021 120,498 74,822 671 6,157 15
1991 130,823 3,060 127,764 74,731 699 6,065 0
1992 135,772 3,261 132,511 69,560 1,797 5,871 10
1993 129,921 4,228 125,693 57,229 951 4,532 0
1994 124,061 4,327 119,735 44,452 1,029 2,919 0
1995 118,168 3,897 114,271 20,558 601 969 0
TOTAL XXX XXX XXX 595,562 10,286 51,691 186
(1) (9) (10) (11) (12)
AC/YR SALVAGE & SUB UNALLOCATED LOSSES + LAE REPORTED
RECEIVED LAE PAID CLAIMS
PRIOR 79 4 114 XXX
1986 692 5,825 72,601 15,830
1987 529 6,465 78,427 14,143
1988 398 6,025 72,827 12,870
1989 751 5,995 75,033 13,359
1990 751 6,136 86,430 13,342
1991 692 5,985 86,081 13,256
1992 976 5,170 78,794 13,829
1993 584 4,588 65,399 13,734
1994 500 4,318 50,660 13,803
1995 221 3,280 24,205 11,408
TOTAL 6,173 53,792 690,572 XXX
LOSSES UNPAID ALLOCATED LAE UNPAID
CASE BASIS BULK + IBNR CASE BASIS BULK + IBNR
AC/YR (13) (14) (15) (16) (17) (18) (19) (20)
DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR 1,875 1,280 0 0 526 255 0 0
1986 72 8 21 1 21 1 9 0
1987 280 0 21 1 81 0 9 0
1988 249 0 21 1 71 0 9 0
1989 1,225 0 21 1 354 0 9 0
1990 4,899 562 21 1 1,248 84 7 0
1991 7,364 0 144 7 1,606 0 45 2
1992 12,695 117 155 7 2,366 15 39 2
1993 22,707 145 481 16 3,611 15 107 4
1994 43,809 227 1,155 34 5,705 20 185 6
1995 47,237 712 9,237 323 4,753 47 1,191 46
TOTAL 142,412 3,049 11,274 392 20,344 438 1,609 61
(21) (22) (23) (24)
AC/YR SALVAGE & SUB UNALLOCATED TOTAL OUTSTANDING
ANTICIPATED LAE UNPAID RESERVES CLAIMS
PRIOR 69 936 27
1986 6 118 4
1987 21 410 13
1988 20 368 8
1989 89 1,696 17
1990 270 5,798 41
1991 502 9,653 89
1992 862 15,976 206
1993 1,528 28,254 451
1994 2,899 53,467 918
1995 3,661 64,951 2,837
TOTAL 9,927 181,627 4,611
TOTAL LOSSES AND LOSS LOSS AND LOSS EXPENSE PERCENTAGE DISCOUNT FOR
EXPENSES INCURRED (INCURRED/PREMIUMS EARNED) TIME VALUE OF MONEY
AC/YR (25) (26) (27) (28) (29) (30) (31) (32)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED NET
PRIOR XXX XXX XXX XXX XXX XXX
1986 73,675 956 72,719 71.1 37.4 72.0
1987 79,898 1,060 78,838 69.4 36.6 70.3
1988 74,537 1,342 73,195 66.8 45.0 67.4
1989 77,943 1,213 76,730 67.5 38.5 68.3
1990 93,561 1,333 92,228 75.7 44.1 76.5
1991 96,443 708 95,734 73.7 23.1 74.9
1992 96,717 1,947 94,770 71.2 59.7 71.5
1993 94,784 1,131 93,653 73.0 26.7 74.5
1994 105,443 1,316 104,127 85.0 30.4 87.0
1995 90,886 1,729 89,157 76.9 44.4 78.0
TOTAL XXX XXX XXX XXX XXX XXX
INTERCOMPANY LOSSES LAE
POOLING PERC. UNPAID UNPAID
AC/YR (33) (34) (35)
PRIOR XXX 596 340
1986 84 34
1987 299 111
1988 268 99
1989 1,244 452
1990 4,357 1,441
1991 7,502 2,151
1992 12,726 3,250
1993 23,027 5,227
1994 44,703 8,764
1995 55,439 9,512
TOTAL XXX 150,246 31,381
5
GROUP SCHEDULE P - PART 1D - WORKERS COMPENSATION
(1) PREMIUMS EARNED LOSS PAYMENTS ALLOCATED LAE PAYMENTS
AC/YR (2) (3) (4) (5) (6) (7) (8)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR XXX XXX XXX 4,123 771 375 12
1986 149,101 3,360 145,740 99,003 2,203 8,524 1
1987 170,721 3,839 166,883 101,328 525 8,767 1
1988 179,208 3,811 175,397 105,874 436 8,964 0
1989 201,802 4,148 197,654 125,476 1,545 10,986 71
1990 220,037 3,333 216,703 142,575 375 12,620 0
1991 219,110 3,144 215,966 128,860 5 11,512 0
1992 213,577 2,909 210,668 105,964 5 7,797 0
1993 185,738 2,443 183,294 71,512 0 4,381 0
1994 153,212 1,955 151,257 38,978 2 2,064 2
1995 143,658 1,654 142,004 16,581 0 576 0
TOTAL XXX XXX XXX 940,275 5,865 76,567 86
(1) (9) (10) (11) (12)
AC/YR SALVAGE & SUB UNALLOCATED LOSSES + LAE REPORTED
RECEIVED LAE PAID CLAIMS
PRIOR 172 10 3,726 XXX
1986 2,971 3,527 108,852 37,000
1987 2,227 3,681 113,251 33,600
1988 2,925 4,020 118,422 31,180
1989 3,036 4,939 139,784 33,399
1990 3,934 5,438 160,258 32,838
1991 2,645 5,533 145,901 28,082
1992 1,813 6,293 120,049 24,625
1993 704 4,608 80,501 17,596
1994 300 3,486 44,525 13,850
1995 141 3,270 20,428 10,665
TOTAL 20,867 44,805 1,055,697 XXX
LOSSES UNPAID ALLOCATED LAE UNPAID
CASE BASIS BULK + IBNR CASE BASIS BULK + IBNR
AC/YR (13) (14) (15) (16) (17) (18) (19) (20)
DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR 45,560 11,575 0 0 3,905 1,129 0 0
1986 13,165 2,399 190 2 1,094 234 21 0
1987 11,272 5 190 2 778 0 21 0
1988 15,724 1,222 190 2 1,183 119 21 0
1989 25,463 3,014 190 2 1,975 294 21 0
1990 26,633 1,200 190 2 1,925 117 21 0
1991 25,673 60 190 2 1,717 6 21 0
1992 30,317 157 379 4 1,892 15 41 0
1993 35,476 383 3,414 38 2,246 37 369 4
1994 41,888 0 4,551 51 2,246 0 457 5
1995 47,006 55 28,447 316 12,061 5 2,637 30
TOTAL 318,176 20,069 37,929 422 31,022 1,957 3,627 41
(21) (22) (23) (24)
AC/YR SALVAGE & SUB UNALLOCATED TOTAL OUTSTANDING
ANTICIPATED LAE UNPAID RESERVES CLAIMS
PRIOR 1,039 37,800 685
1986 327 12,160 120
1987 308 12,561 158
1988 416 16,190 182
1989 638 24,976 296
1990 709 28,158 398
1991 703 28,235 512
1992 756 33,209 616
1993 971 42,013 654
1994 1,113 50,200 872
1995 5,035 94,779 3,348
TOTAL 12,016 380,281 7,841
TOTAL LOSSES AND LOSS LOSS AND LOSS EXPENSE PERCENTAGE DISCOUNT FOR
EXPENSES INCURRED (INCURRED/PREMIUMS EARNED) TIME VALUE OF MONEY
AC/YR (25) (26) (27) (28) (29) (30) (31) (32)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED NET
PRIOR XXX XXX XXX XXX XXX XXX
1986 125,850 4,839 121,011 84.4 144.0 83.0
1987 126,345 533 125,812 74.0 13.9 75.4
1988 136,391 1,779 134,612 76.1 46.7 76.7
1989 169,687 4,927 164,760 84.1 118.8 83.4
1990 190,110 1,694 188,416 86.4 50.8 86.9
1991 174,209 73 174,136 79.5 2.3 80.6
1992 153,439 181 153,258 71.8 6.2 72.7
1993 122,977 463 122,514 66.2 18.9 66.8
1994 94,784 59 94,725 61.9 3.0 62.6
1995 115,613 406 115,207 80.5 24.5 81.1
TOTAL XXX XXX XXX XXX XXX XXX
INTERCOMPANY LOSSES LAE
POOLING PERC. UNPAID UNPAID
AC/YR (33) (34) (35)
PRIOR XXX 33,985 3,815
1986 10,953 1,207
1987 11,455 1,106
1988 14,690 1,499
1989 22,636 2,340
1990 25,621 2,538
1991 25,800 2,435
1992 30,535 2,673
1993 38,468 3,545
1994 46,389 3,811
1995 75,081 19,699
TOTAL XXX 335,614 44,667
6
GROUP SCHEDULE P - PART 1E - CMP
(1) PREMIUMS EARNED LOSS PAYMENTS ALLOCATED LAE PAYMENTS
AC/YR (2) (3) (4) (5) (6) (7) (8)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR XXX XXX XXX 436 (304) 431 1,335
1986 111,299 3,287 108,012 40,153 2,026 11,471 688
1987 114,668 2,837 111,831 35,527 558 8,062 102
1988 100,340 2,435 97,905 29,898 25 5,628 0
1989 98,708 2,401 96,308 39,558 648 6,555 1
1990 109,609 2,062 107,547 47,833 1,783 8,199 18
1991 125,346 2,460 122,886 61,636 5,318 8,786 106
1992 147,343 4,565 142,778 88,550 8,149 8,881 44
1993 146,366 5,673 140,694 67,768 141 6,233 3
1994 143,240 6,538 136,702 63,173 174 3,908 1
1995 139,602 6,743 132,859 39,832 115 1,624 0
TOTAL XXX XXX XXX 514,365 18,634 69,779 2,300
(1) (9) (10) (11) (12)
AC/YR SALVAGE & SUB UNALLOCATED LOSSES + LAE REPORTED
RECEIVED LAE PAID CLAIMS
PRIOR 17 4 (161) XXX
1986 1,583 3,524 52,434 14,136
1987 1,494 4,764 47,692 12,520
1988 1,261 3,469 38,970 10,859
1989 1,766 2,514 47,979 12,506
1990 1,607 3,261 57,492 13,450
1991 4,808 4,123 69,121 15,785
1992 1,943 5,118 94,356 19,139
1993 1,058 4,644 78,502 19,423
1994 961 4,691 71,598 19,300
1995 383 3,863 45,204 15,334
TOTAL 16,879 39,975 603,185 XXX
LOSSES UNPAID ALLOCATED LAE UNPAID
CASE BASIS BULK + IBNR CASE BASIS BULK + IBNR
AC/YR (13) (14) (15) (16) (17) (18) (19) (20)
DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR 16,122 5,000 0 0 1,555 0 0 0
1986 736 0 658 31 530 0 530 17
1987 1,388 0 990 48 867 0 785 26
1988 178 0 990 48 129 0 785 26
1989 1,266 0 1,403 69 918 0 1,108 38
1990 2,703 0 1,403 69 1,797 0 1,039 35
1991 5,077 0 1,453 69 3,120 0 984 33
1992 9,740 26 2,461 113 6,097 5 1,573 53
1993 12,891 50 5,071 239 7,173 12 2,923 100
1994 16,026 0 14,850 712 7,619 0 7,518 253
1995 24,360 61 21,207 1,011 8,455 7 7,883 263
TOTAL 90,486 5,137 50,484 2,409 38,260 24 25,130 845
(21) (22) (23) (24)
AC/YR SALVAGE & SUB UNALLOCATED TOTAL OUTSTANDING
ANTICIPATED LAE UNPAID RESERVES CLAIMS
PRIOR 157 12,834 110
1986 88 2,494 43
1987 154 4,108 27
1988 83 2,091 15
1989 180 4,769 35
1990 257 7,095 65
1991 423 10,955 106
1992 763 20,437 239
1993 1,190 28,847 452
1994 2,032 47,081 811
1995 2,973 63,536 2,966
TOTAL 8,300 204,245 4,869
TOTAL LOSSES AND LOSS LOSS AND LOSS EXPENSE PERCENTAGE DISCOUNT FOR
EXPENSES INCURRED (INCURRED/PREMIUMS EARNED) TIME VALUE OF MONEY
AC/YR (25) (26) (27) (28) (29) (30) (31) (32)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED NET
PRIOR XXX XXX XXX XXX XXX XXX
1986 57,691 2,763 54,928 51.8 84.1 50.9
1987 52,535 735 51,800 45.8 25.9 46.3
1988 41,161 100 41,061 41.0 4.1 41.9
1989 53,502 755 52,747 54.2 31.5 54.8
1990 66,491 1,905 64,586 60.7 92.4 60.1
1991 85,601 5,526 80,075 68.3 224.6 65.2
1992 123,183 8,390 114,793 83.6 183.8 80.4
1993 107,893 545 107,348 73.7 9.6 76.3
1994 119,817 1,139 118,678 83.6 17.4 86.8
1995 110,197 1,457 108,740 78.9 21.6 81.8
TOTAL XXX XXX XXX XXX XXX XXX
INTERCOMPANY LOSSES LAE
POOLING PERC. UNPAID UNPAID
AC/YR (33) (34) (35)
PRIOR XXX 11,122 1,712
1986 1,363 1,131
1987 2,329 1,779
1988 1,120 971
1989 2,600 2,169
1990 4,037 3,058
1991 6,461 4,494
1992 12,062 8,375
1993 17,672 11,175
1994 30,165 16,916
1995 44,494 19,042
TOTAL XXX 133,425 70,821
7
GROUP SCHEDULE P - PART 1G - SPECIAL LIABILITY
(1) PREMIUMS EARNED LOSS PAYMENTS ALLOCATED LAE PAYMENTS
AC/YR (2) (3) (4) (5) (6) (7) (8)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR XXX XXX XXX 0 0 0 0
1986 0 0 0 0 0 0 0
1987 0 0 0 0 0 0 0
1988 0 0 0 0 0 0 0
1989 0 0 0 0 0 0 0
1990 143 58 85 95 62 1 0
1991 271 214 57 83 71 13 0
1992 226 184 42 327 261 0 0
1993 37 43 (7) 0 0 0 0
1994 18 17 1 9 2 0 0
1995 33 30 3 0 0 0 0
TOTAL XXX XXX XXX 513 396 13 0
(1) (9) (10) (11) (12)
AC/YR SALVAGE & SUB UNALLOCATED LOSSES + LAE REPORTED
RECEIVED LAE PAID CLAIMS
PRIOR 0 0 0 XXX
1986 0 0 0 0
1987 0 0 0 0
1988 0 0 0 0
1989 0 0 0 0
1990 0 0 33 0
1991 0 0 24 1
1992 0 0 66 1
1993 0 0 0 1
1994 0 0 7 1
1995 0 0 0 1
TOTAL 0 0 131 XXX
LOSSES UNPAID ALLOCATED LAE UNPAID
CASE BASIS BULK + IBNR CASE BASIS BULK + IBNR
AC/YR (13) (14) (15) (16) (17) (18) (19) (20)
DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR 0 0 0 0 0 0 0 0
1986 0 0 0 0 0 0 0 0
1987 0 0 0 0 0 0 0 0
1988 0 0 0 0 0 0 0 0
1989 0 0 0 0 0 0 0 0
1990 0 0 0 0 0 0 0 0
1991 0 0 0 0 0 0 0 0
1992 2 1 0 0 0 0 0 0
1993 0 0 0 0 0 0 0 0
1994 0 0 0 0 0 0 0 0
1995 0 0 0 0 0 0 0 0
TOTAL 2 1 0 0 0 0 0 0
(21) (22) (23) (24)
AC/YR SALVAGE & SUB UNALLOCATED TOTAL OUTSTANDING
ANTICIPATED LAE UNPAID RESERVES CLAIMS
PRIOR 0 0 0
1986 0 0 0
1987 0 0 0
1988 0 0 0
1989 0 0 0
1990 0 0 0
1991 0 0 1
1992 0 0 0
1993 0 0 0
1994 0 0 1
1995 0 0 1
TOTAL 0 1 3
TOTAL LOSSES AND LOSS LOSS AND LOSS EXPENSE PERCENTAGE DISCOUNT FOR
EXPENSES INCURRED (INCURRED/PREMIUMS EARNED) TIME VALUE OF MONEY
AC/YR (25) (26) (27) (28) (29) (30) (31) (32)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED NET
PRIOR XXX XXX XXX XXX XXX XXX
1986 0 0 0 0.0 0.0 0.0
1987 0 0 0 0.0 0.0 0.0
1988 0 0 0 0.0 0.0 0.0
1989 0 0 0 0.0 0.0 0.0
1990 96 62 33 66.8 107.9 39.2
1991 95 71 25 35.2 33.1 43.1
1992 328 262 66 145.5 142.5 158.9
1993 0 0 0 0.0 0.0 0.0
1994 10 2 7 52.5 13.3 538.7
1995 0 0 0 0.0 0.0 0.0
TOTAL XXX XXX XXX XXX XXX XXX
INTERCOMPANY LOSSES LAE
POOLING PERC. UNPAID UNPAID
AC/YR (33) (34) (35)
PRIOR XXX 0 0
1986 0 0
1987 0 0
1988 0 0
1989 0 0
1990 0 0
1991 0 0
1992 0 0
1993 0 0
1994 0 0
1995 0 0
TOTAL XXX 1 0
8
GROUP SCHEDULE P - PART 1H - OTHER LIABILITY - section 1
(1) PREMIUMS EARNED LOSS PAYMENTS ALLOCATED LAE PAYMENTS
ACC/YR (2) (3) (4) (5) (6) (7) (8)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR XXX XXX XXX 1,001 241 465 7
1986 108,331 2,072 106,259 41,265 3,892 13,572 15
1987 143,930 2,706 141,224 41,412 2,956 15,295 205
1988 140,322 2,728 137,594 38,288 1,008 13,666 20
1989 138,825 2,811 136,014 42,191 3,245 13,113 87
1990 140,819 2,496 138,324 40,987 1,327 14,902 3
1991 128,769 2,252 126,517 35,458 208 10,933 2
1992 120,599 2,155 118,444 33,003 2,112 9,025 0
1993 111,024 1,962 109,061 23,328 305 5,100 25
1994 112,506 1,993 110,513 11,195 0 2,124 0
1995 111,545 1,893 109,653 4,482 0 546 0
TOTAL XXX XXX XXX 312,610 15,293 98,740 363
(1) (9) (10) (11) (12)
ACC/YR SALVAGE & SUB UNALLOCATED LOSSES + LAE REPORTED
RECEIVED LAE PAID CLAIMS
PRIOR 192 (1) 1,217 XXX
1986 2,238 5,808 56,738 6,845
1987 978 6,226 59,772 7,323
1988 936 6,822 57,747 6,861
1989 1,067 7,295 59,267 7,363
1990 650 7,493 62,053 7,851
1991 598 6,641 52,822 7,307
1992 823 4,852 44,767 6,891
1993 391 3,632 31,730 6,428
1994 296 3,515 16,835 6,034
1995 159 4,103 9,131 4,289
TOTAL 8,327 56,385 452,080 XXX
LOSSES UNPAID ALLOCATED LAE UNPAID
CASE BASIS BULK + IBNR CASE BASIS BULK + IBNR
ACC/YR (13) (14) (15) (16) (17) (18) (19) (20)
DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR 1,920 150 0 0 1,004 61 0 0
1986 86 0 490 9 45 0 355 6
1987 2,058 250 490 9 1,067 122 355 6
1988 359 0 490 9 186 0 355 6
1989 2,545 0 490 9 1,337 0 355 6
1990 8,692 500 1,150 17 4,575 204 749 12
1991 14,166 1,165 3,738 63 7,412 489 2,626 46
1992 15,286 20 4,357 67 8,054 8 2,902 49
1993 17,441 231 12,051 181 9,055 93 7,728 129
1994 21,388 144 12,882 195 9,361 35 7,016 117
1995 20,248 0 28,225 418 7,817 0 13,389 222
TOTAL 104,190 2,460 64,361 976 49,912 1,012 35,831 601
(21) (22) (23) (24)
ACC/YR SALVAGE & SUB UNALLOCATED TOTAL OUTSTANDING
ANTICIPATED LAE UNPAID RESERVES CLAIMS
PRIOR 185 2,899 101
1986 84 1,045 19
1987 246 3,829 43
1988 109 1,483 30
1989 337 5,049 77
1990 1,011 15,444 138
1991 1,969 28,148 193
1992 2,159 32,615 302
1993 3,559 49,200 430
1994 4,105 54,259 667
1995 6,066 75,104 1,120
TOTAL 19,830 269,076 3,120
TOTAL LOSSES AND LOSS LOSS AND LOSS EXPENSE PERCENTAGE DISCOUNT FOR
EXPENSES INCURRED (INCURRED/PREMIUMS EARNED) TIME VALUE OF MONEY
ACC/YR (25) (26) (27) (28) (29) (30) (31) (32)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED NET
PRIOR XXX XXX XXX XXX XXX XXX
1986 61,705 3,922 57,783 57.0 189.3 54.4
1987 67,149 3,548 63,601 46.7 131.1 45.0
1988 60,274 1,043 59,231 43.0 38.2 43.0
1989 67,663 3,347 64,316 48.7 119.1 47.3
1990 79,559 2,062 77,497 56.5 82.6 56.0
1991 82,942 1,972 80,970 64.4 87.5 64.0
1992 79,639 2,256 77,382 49.8 104.7 48.9
1993 81,893 963 80,930 (8.4) 49.0 (9.0)
1994 71,586 492 71,094 (289.0) 18.6 (292.9)
1995 84,875 640 84,235 (66.7) 31.0 (119.4)
TOTAL XXX XXX XXX XXX XXX XXX
INTERCOMPANY LOSSES LAE
POOLING PERC. UNPAID UNPAID
ACC/YR (33) (34) (35)
PRIOR XXX 1,770 1,128
1986 567 478
1987 2,289 1,540
1988 840 644
1989 3,026 2,023
1990 9,326 6,118
1991 16,676 11,472
1992 19,556 13,059
1993 29,080 20,120
1994 33,931 20,329
1995 48,055 27,049
TOTAL XXX 165,116 103,960
9
GROUP SCHEDULE P - PART 1H - OTHER LIABILITY section 2
(1) PREMIUMS EARNED LOSS PAYMENTS ALLOCATED LAE PAYMENTS
REP/YR (2) (3) (4) (5) (6) (7) (8)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR XXX XXX XXX
1986
1987
1988
1989
1990 15 0 15
1991 50 1 49
1992 109 1 107
1993 138 2 136 60 24
1994 158 2 156 8 42
1995 395 108 287 6 4
TOTAL XXX XXX XXX 74 69
(1) (9) (10) (11) (12)
REP/YR SALVAGE & SUB UNALLOCATED LOSSES + LAE REPORTED
RECEIVED LAE PAID CLAIMS
PRIOR XXX
1986
1987
1988
1989
1990
1991
1992
1993 26 110
1994 29 79
1995 50 60
TOTAL 105 248 XXX
LOSSES UNPAID ALLOCATED LAE UNPAID
CASE BASIS BULK + IBNR CASE BASIS BULK + IBNR
REP/YR (13) (14) (15) (16) (17) (18) (19) (20)
DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR
1986
1987
1988
1989
1990
1991
1992
1993
1994 54 10 0 28 5
1995 474 87 1 241 44
TOTAL 529 96 1 268 49
(21) (22) (23) (24)
REP/YR SALVAGE & SUB UNALLOCATED TOTAL OUTSTANDING
ANTICIPATED LAE UNPAID RESERVES CLAIMS
PRIOR
1986
1987
1988
1989
1990
1991
1992
1993
1994 7 103
1995 58 902
TOTAL 64 1,005
TOTAL LOSSES AND LOSS LOSS AND LOSS EXPENSE PERCENTAGE DISCOUNT FOR
EXPENSES INCURRED (INCURRED/PREMIUMS EARNED) TIME VALUE OF MONEY
REP/YR (25) (26) (27) (28) (29) (30) (31) (32)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED NET
PRIOR XXX XXX XXX XXX XXX XXX
1986
1987
1988
1989
1990
1991
1992
1993 110 110 79.6 80.6
1994 182 0 182 115.0 6.1 116.4
1995 963 1 962 243.6 1.0 335.0
TOTAL XXX XXX XXX XXX XXX XXX
INTERCOMPANY LOSSES LAE
POOLING PERC. UNPAID UNPAID
REP/YR (33) (34) (35)
PRIOR XXX
1986
1987
1988
1989
1990
1991
1992
1993
1994 64 39
1995 560 342
TOTAL XXX 624 381
10
GROUP SCHEDULE P - PART 1I- SPECIAL PROPERTY
(1) PREMIUMS EARNED LOSS PAYMENTS ALLOCATED LAE PAYMENTS
AC/YR (2) (3) (4) (5) (6) (7) (8)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR XXX XXX XXX 304 11 210 0
1994 69,533 4,828 64,704 34,982 14 1,402 1
1995 67,714 5,196 62,517 26,986 9 780 0
TOTAL XXX XXX XXX 62,272 34 2,392 1
(1) (9) (10) (11) (12)
AC/YR SALVAGE & SUB UNALLOCATED LOSSES + LAE REPORTED
RECEIVED LAE PAID CLAIMS
PRIOR 148 10 513 XXX
1994 437 2,429 38,797 XXX
1995 183 1,803 29,560 XXX
TOTAL 768 4,242 68,871 XXX
LOSSES UNPAID ALLOCATED LAE UNPAID
CASE BASIS BULK + IBNR CASE BASIS BULK + IBNR
AC/YR (13) (14) (15) (16) (17) (18) (19) (20)
DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR 799 12 26 2 74 1 5 0
1994 464 0 36 3 59 0 7 1
1995 6,088 2 3,613 279 275 0 260 20
TOTAL 7,352 13 3,674 283 408 1 272 21
(21) (22) (23) (24)
AC/YR SALVAGE & SUB UNALLOCATED TOTAL OUTSTANDING
ANTICIPATED LAE UNPAID RESERVES CLAIMS
PRIOR 35 924 52
1994 19 582 47
1995 524 10,458 1,141
TOTAL 577 11,965 1,240
TOTAL LOSSES AND LOSS LOSS AND LOSS EXPENSE PERCENTAGE DISCOUNT FOR
EXPENSES INCURRED (INCURRED/PREMIUMS EARNED) TIME VALUE OF MONEY
AC/YR (25) (26) (27) (28) (29) (30) (31) (32)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED NET
PRIOR XXX XXX XXX XXX XXX XXX
1994 39,398 19 39,380 56.7 0.4 60.9
1995 40,328 309 40,019 59.6 6.0 64.0
TOTAL XXX XXX XXX XXX XXX XXX
INTERCOMPANY LOSSES LAE
AC/YR POOLING PERC. UNPAID UNPAID
(33) (34) (35)
PRIOR XXX 811 113
1994 498 85
1995 9,421 1,038
TOTAL XXX 10,730 1,235
11
GROUP SCHEDULE P - PART 1J - AUTO PHYSICAL DAMAGE
(1) PREMIUMS EARNED LOSS PAYMENTS ALLOCATED LAE PAYMENTS
AC/YR (2) (3) (4) (5) (6) (7) (8)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR XXX XXX XXX (1,719) 4 242 0
1994 214,863 1,007 213,856 121,474 1,077 1,918 0
1995 212,541 975 211,565 115,835 1,054 1,422 0
TOTAL XXX XXX XXX 235,590 2,135 3,581 0
(1) (9) (10) (11) (12)
AC/YR SALVAGE & SUB UNALLOCATED LOSSES + LAE REPORTED
RECEIVED LAE PAID CLAIMS
PRIOR 1,946 (96) (1,578) XXX
1994 15,300 12,690 135,005 117,786
1995 8,184 11,159 127,361 101,980
TOTAL 25,429 23,752 260,788 XXX
LOSSES UNPAID ALLOCATED LAE UNPAID
CASE BASIS BULK + IBNR CASE BASIS BULK + IBNR
AC/YR (13) (14) (15) (16) (17) (18) (19) (20)
DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR 201 0 33 0 46 0 11 0
1994 553 2 64 0 130 0 21 0
1995 13,811 65 6,388 30 1,195 5 768 3
TOTAL 14,565 66 6,485 30 1,370 5 800 4
(21) (22) (23) (24)
AC/YR SALVAGE & SUB UNALLOCATED TOTAL OUTSTANDING
ANTICIPATED LAE UNPAID RESERVES CLAIMS
PRIOR 45 336 132
1994 91 857 332
1995 1,641 23,700 8,723
TOTAL 1,777 24,893 9,187
TOTAL LOSSES AND LOSS LOSS AND LOSS EXPENSE PERCENTAGE DISCOUNT FOR
EXPENSES INCURRED (INCURRED/PREMIUMS EARNED) TIME VALUE OF MONEY
AC/YR (25) (26) (27) (28) (29) (30) (31) (32)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED NET
PRIOR XXX XXX XXX XXX XXX XXX
1994 136,941 1,079 135,863 63.7 107.1 63.5
1995 152,218 1,157 151,061 71.6 118.7 71.4
TOTAL XXX XXX XXX XXX XXX XXX
INTERCOMPANY LOSSES LAE
AC/YR POOLING PERC. UNPAID UNPAID
(33) (34) (35)
PRIOR XXX 233 102
1994 615 242
1995 20,104 3,595
TOTAL XXX 20,953 3,939
12
GROUP SCHEDULE P - PART 1K - BONDS
(1) PREMIUMS EARNED LOSS PAYMENTS ALLOCATED LAE PAYMENTS
AC/YR (2) (3) (4) (5) (6) (7) (8)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR XXX XXX XXX 4,427 1,242 1,470 458
1994 34,927 2,641 32,286 2,424 0 277 0
1995 35,287 2,866 32,420 1,171 0 86 0
TOTAL XXX XXX XXX 8,021 1,242 1,833 458
(1) (9) (10) (11) (12)
AC/YR SALVAGE & SUB UNALLOCATED LOSSES + LAE REPORTED
RECEIVED LAE PAID CLAIMS
PRIOR 743 57 4,253 XXX
1994 68 795 3,496 XXX
1995 2 581 1,837 XXX
TOTAL 813 1,433 9,587 XXX
LOSSES UNPAID ALLOCATED LAE UNPAID
CASE BASIS BULK + IBNR CASE BASIS BULK + IBNR
AC/YR (13) (14) (15) (16) (17) (18) (19) (20)
DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR 3,280 361 1,190 98 1,163 100 582 48
1994 1,194 0 974 80 424 0 476 39
1995 2,092 0 3,548 296 271 0 657 56
TOTAL 6,566 361 5,712 473 1,859 100 1,715 143
(21) (22) (23) (24)
AC/YR SALVAGE & SUB UNALLOCATED TOTAL OUTSTANDING
ANTICIPATED LAE UNPAID RESERVES CLAIMS
PRIOR 349 5,956 284
1994 191 3,141 125
1995 530 6,747 344
TOTAL 1,070 15,844 753
TOTAL LOSSES AND LOSS LOSS AND LOSS EXPENSE PERCENTAGE DISCOUNT FOR
EXPENSES INCURRED (INCURRED/PREMIUMS EARNED) TIME VALUE OF MONEY
AC/YR (25) (26) (27) (28) (29) (30) (31) (32)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED NET
PRIOR XXX XXX XXX XXX XXX XXX
1994 6,756 119 6,637 19.3 4.5 20.6
1995 8,936 352 8,584 25.3 12.3 26.5
TOTAL XXX XXX XXX XXX XXX XXX
INTERCOMPANY LOSSES LAE
POOLING PERC. UNPAID UNPAID
AC/YR (33) (34) (35)
PRIOR XXX 4,011 1,945
1994 2,088 1,052
1995 5,344 1,403
TOTAL XXX 11,443 4,401
13
GROUP SCHEDULE P - PART 1L - OTHER (A&H)
(1) PREMIUMS EARNED LOSS PAYMENTS ALLOCATED LAE PAYMENTS
AC/YR (2) (3) (4) (5) (6) (7) (8)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR XXX XXX XXX 405 (48) 15 (77)
1994 1,798 176 1,622 690 (1,442) 2 (171)
1995 1,517 1,517 0 162 162 0 0
TOTAL XXX XXX XXX 1,257 (1,327) 18 (249)
(1) (9) (10) (11) (12)
AC/YR SALVAGE & SUB UNALLOCATED LOSSES + LAE REPORTED
RECEIVED LAE PAID CLAIMS
PRIOR 0 0 545 XXX
1994 1 (2) 2,304 XXX
1995 0 0 0 XXX
TOTAL 1 (2) 2,849 XXX
LOSSES UNPAID ALLOCATED LAE UNPAID
CASE BASIS BULK + IBNR CASE BASIS BULK + IBNR
AC/YR (13) (14) (15) (16) (17) (18) (19) (20)
DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR 516 516 1 1 144 144 0 0
1994 155 155 1 1 43 43 0 0
1995 1,892 1,892 115 115 26 26 13 13
TOTAL 2,563 2,563 118 118 213 213 14 14
(21) (22) (23) (24)
AC/YR SALVAGE & SUB UNALLOCATED TOTAL OUTSTANDING
ANTICIPATED LAE UNPAID RESERVES CLAIMS
PRIOR 0 0 47
1994 0 0 31
1995 0 0 46
TOTAL 0 0 124
TOTAL LOSSES AND LOSS LOSS AND LOSS EXPENSE PERCENTAGE DISCOUNT FOR
EXPENSES INCURRED (INCURRED/PREMIUMS EARNED) TIME VALUE OF MONEY
AC/YR (25) (26) (27) (28) (29) (30) (31) (32)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED NET
PRIOR XXX XXX XXX XXX XXX XXX
1994 890 (1,414) 2,304 49.47 (803.86) 141.99
1995 2,209 2,209 0 145.65 145.65 0.00
TOTAL XXX XXX XXX XXX XXX XXX
INTERCOMPANY LOSSES LAE
POOLING PERC. UNPAID UNPAID
AC/YR (33) (34) (35)
PRIOR XXX 0 0
1994 0 0
1995 0 0
TOTAL XXX 0 0
14
GROUP SCHEDULE P - PART 1R - PRODUCT LIABILITY
(1) PREMIUMS EARNED LOSS PAYMENTS ALLOCATED LAE PAYMENTS
AC/YR (2) (3) (4) (5) (6) (7) (8)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR XXX XXX XXX 807 225 541 8
1986 10,273 265 10,008 5,204 219 3,556 28
1987 15,224 276 14,948 4,852 6 3,118 10
1988 16,134 290 15,843 2,958 0 3,638 0
1989 14,373 259 14,114 2,428 0 1,393 0
1990 13,298 218 13,080 1,878 0 1,697 0
1991 10,831 133 10,698 2,209 45 1,103 0
1992 9,395 115 9,281 543 0 570 0
1993 6,069 75 5,994 174 0 327 0
1994 1,231 16 1,216 294 0 88 0
1995 486 6 480 94 0 9 0
TOTAL XXX XXX XXX 21,441 495 16,039 45
(1) (9) (10) (11) (12)
AC/YR SALVAGE & SUB UNALLOCATED LOSSES + LAE REPORTED
RECEIVED LAE PAID CLAIMS
PRIOR 4 10 1,124 XXX
1986 147 546 9,060 670
1987 19 584 8,538 642
1988 9 608 7,204 478
1989 23 554 4,374 380
1990 41 289 3,864 317
1991 98 237 3,504 277
1992 20 153 1,266 240
1993 11 189 690 72
1994 4 190 572 184
1995 4 943 1,046 95
TOTAL 380 4,302 41,241 XXX
LOSSES UNPAID ALLOCATED LAE UNPAID
CASE BASIS BULK + IBNR CASE BASIS BULK + IBNR
AC/YR (13) (14) (15) (16) (17) (18) (19) (20)
DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED DIR.& ASSUMED CEDED
PRIOR 2,505 0 0 0 1,144 0 0 0
1986 264 19 2 0 122 10 2 0
1987 1,717 250 2 0 775 105 2 0
1988 591 0 2 0 268 0 2 0
1989 584 0 2 0 276 0 2 0
1990 1,927 0 5 0 867 0 4 0
1991 593 0 15 0 271 0 12 0
1992 1,386 0 17 0 624 0 13 0
1993 420 0 46 1 187 0 36 0
1994 531 0 49 1 247 0 36 0
1995 181 0 107 1 45 0 45 1
TOTAL 10,699 269 247 3 4,828 115 153 2
(21) (22) (23) (24)
AC/YR SALVAGE & SUB UNALLOCATED TOTAL OUTSTANDING
ANTICIPATED LAE UNPAID RESERVES CLAIMS
PRIOR 288 3,937 692
1986 29 390 27
1987 127 2,268 42
1988 51 913 33
1989 55 919 37
1990 169 2,971 41
1991 56 947 23
1992 122 2,163 31
1993 43 731 24
1994 56 919 28
1995 34 410 35
TOTAL 1,030 16,569 1,013
TOTAL LOSSES AND LOSS LOSS AND LOSS EXPENSE PERCENTAGE DISCOUNT FOR
EXPENSES INCURRED (INCURRED/PREMIUMS EARNED) TIME VALUE OF MONEY
AC/YR (25) (26) (27) (28) (29) (30) (31) (32)
DIR.& ASSUMED CEDED NET DIR.& ASSUMED CEDED NET
PRIOR XXX XXX XXX XXX XXX XXX
1986 9,724 275 9,449 94.7 103.5 94.4
1987 11,177 371 10,806 73.4 134.2 72.3
1988 8,117 0 8,117 50.3 0.0 51.2
1989 5,293 0 5,293 36.8 0.0 37.5
1990 6,835 0 6,835 51.4 0.0 52.3
1991 4,496 45 4,451 41.5 34.2 41.6
1992 3,429 0 3,429 36.5 0.3 36.9
1993 1,422 1 1,421 23.4 1.4 23.7
1994 1,492 1 1,491 121.2 6.9 122.7
1995 1,458 2 1,456 300.2 31.0 303.7
TOTAL XXX XXX XXX XXX XXX XXX
INTERCOMPANY LOSSES LAE
POOLING PERC. UNPAID UNPAID
AC/YR (33) (34) (35)
PRIOR XXX 2,505 1,433
1986 247 142
1987 1,469 799
1988 593 321
1989 586 333
1990 1,932 1,040
1991 608 339
1992 1,403 759
1993 465 266
1994 580 339
1995 286 124
TOTAL XXX 10,674 5,895