2009 Market Share Reports DIRECT PREMIUMS …2009 Market Share Reports for the Top 125...

2009 Market

Share Reports

for Property/Casualty Insurance

Groups and Companies

Top 10 By Line By State

Top 125 By Line Countrywide

Volume I

DIRECT

PREMIUMS

MARKET

SHARE

CUMULATIVE

MARKET

SHARE

2009 Market Share Reports

for the Top 125 Property/Casualty

Insurance Groups and Companies

By State and Countrywide

Volume I

2010

Accounting & Reporting

Accountants, members of the insurance industry and

educators will find relevant information about statutory

accounting practices and procedures.

Consumer Information

Consumers, educators and members of the insurance

industry will find important answers to common questions

in guides about auto, home, health and life insurance.

Financial Regulation

Accountants, financial analysts and lawyers will find

handbooks, compliance guides and reports on financial

analysis, state audit requirements and receiverships.

Legal

State laws, regulations and guidelines apply to members

of the legal and insurance industries.

NAIC Activities

Insurance industry members will find directories,

newsletters and reports affecting NAIC members.

Special Studies

Accountants, educators, financial analysts, members of

the insurance industry, lawyers and statisticians will find

relevant products on a variety of special topics.

Statistical Reports

Insurance industry data directed at regulators, educators,

financial analysts, insurance industry members, lawyers

and statisticians.

Supplementary Products

Accountants, educators, financial analysts, insurers,

lawyers and statisticians will find guidelines, handbooks,

surveys and NAIC positions on a wide variety of issues.

Securities Valuation Office

Provides insurers with portfolio values and procedures

for complying with NAIC reporting requirements.

White Papers


educators will find relevant information on a variety of

insurance topics.

© 2010 National Association of Insurance Commissioners. All rights reserved.

ISBN: 978-1-59917-347-4

Printed in the United States of America

No part of this book may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic or

mechanical, including photocopying, recording, or any storage or retrieval system, without written permission from the NAIC.

The NAIC is the authoritative source for insurance industry information. Our expert solutions support the efforts of

regulators, insurers and researchers by providing detailed and comprehensive insurance information. The NAIC

offers a wide range of publications in the following categories:

For more information about NAIC publications, view our online catalog at:

http://store.naic.org

NAIC Central Office

2301 McGee Street, Suite 800

Kansas City, MO 64108-2662

816.842.3600

NAIC Securities Valuation Office

48 Wall Street, 6th Floor

New York, NY 10005-2906

212.398.9000

NAIC Executive Office

444 North Capitol Street NW, Suite 701

Washington, DC 20001

202.471.3990

The following companion products provide additional information on the same or similar subject matter. Many

customers who purchase the Market Share Reports for Property/Casualty Groups and Companies also

purchase one or more of the following products:

Companion Products

Statistical Compilation of Annual Statement Information

The Statistical Compilation provides aggregate annual statement data for

property/casualty, life/health insurance companies, all HMOs and companies

that write accident and health insurance and file annual statements with the

NAIC. Divided into three sections — Annual Statement Financial Data, State

and Countrywide Insurance Data, and Selected Data Elements from Company

and Combined Statements — the information provided will satisfy a wide

range of needs and uses. Updated annually.

Profitability by Line by State

Statistics derived from state page data in the annual statement and the

Insurance Expense Exhibit can be used to compare profitability among

different states and property/casualty lines. For each line and each state,

this publication presents aggregate statistics on premiums, losses,

expenses, investment income and estimated profits for the preceding

calendar year. Also shows estimated underwriting profits and operating

profits, as well as estimated federal taxes. Updated annually.

Competition Database Report

The Competition Database Report is a reference for examining the

competitiveness of state insurance markets. This report is meant to be a

starting point for studies of competition and can provide insight when used to

make multi-state and multi-year comparisons. The report includes various

structural and performance measures that are readily determinable or

available from NAIC databases or other sources. Updated annually.

Market Share Reports for the Top 25 Property/Casualty Insurers

Over 25 Years

Identify and analyze the current and historical growth patterns of the top 25

property/casualty groups and companies. Review market share rankings,

premium data and direct loss ratios for 32 lines of business. The Five-Year

Market Share Summary displays the top 25 insurers in each line of business

for the current year, as compared to their ranking in each line of business for

each of the preceding four years. The Market Share Reports Countrywide and

By Line of Business displays independent market share rankings for the top

25 insurers in each line of business over the preceding 25 years. Updated

annually. Electronic only.

International orders must be prepaid, including shipping charges. Please contact an NAIC Customer Service Representative, Monday - Friday, 8:30 am - 5 pm CST.

2009 Market Share Reports for Property/Casualty Groups and Companies

TABLE OF CONTENTS

VOLUME ONE

Introduction...........................................................................................................................1 Table of Cumulative Countrywide Market Share .................................................................3 Table of Direct Loss Ratios by Line of Business..................................................................5 Direct Written Premium Trend Graph ..................................................................................9 2009 Market Share Reports By Line of Business Countrywide and By State Line Number

35 Total All Lines .................................................................... 1101 Fire ...................................................................................... 2702.1 Allied Lines ......................................................................... 4302.2 Multiple Peril Crop.............................................................. 5902.3 Federal Flood....................................................................... 7103 Farmowners Multiple Peril.................................................. 8504 Homeowners Multiple Peril ................................................ 9905.1, 05.2 Total Commercial Multi-Peril ........................................... 11306 Mortgage Guaranty ........................................................... 12908 Ocean Marine .................................................................... 14109 Inland Marine .................................................................... 15710 Financial Guaranty ............................................................ 17311 Medical Professional Liability .......................................... 18112 Earthquake......................................................................... 19516 Workers’ Compensation.................................................... 21117.1, 17.2 Other Liability – Occurrence & Claims Made .................. 22517.3 Excess Workers’ Compensation........................................ 24118 Products Liability .............................................................. 25319.1, 19.2 Private Passenger Auto Liability....................................... 26921.1 Private Passenger Auto Physical Damage......................... 28319.1, 19.2, 21.1 Total Private Passenger Auto ............................................ 29919.3, 19.4 Commercial Auto Liability ............................................... 31521.2 Commercial Auto Physical Damage ................................. 33119.3, 19.4, 21.2 Total Commercial Auto..................................................... 34722 Aircraft (All Perils) ........................................................... 36323 Fidelity .............................................................................. 37724 Surety ................................................................................ 39326 Burglary and Theft ............................................................ 40927 Boiler and Machinery........................................................ 42328 Credit................................................................................. 43930 Warranty............................................................................ 45334 Aggregate Write-Ins for Other Lines of Business............. 455

Technical Notes ................................................................................................................481

VOLUME TWO

Index of Insurer Groups and Companies ..............................................................................1

INTRODUCTION These 2009 Market Share Reports for Property/Casualty Groups and Companies are intended to make property and casualty market share information more readily available. Direct Written Premiums are taken from the “Exhibit of Premiums and Losses” (page 19–Statutory Page 14) in the NAIC property and casualty annual statement. In the Workers’ Compensation and Total All Lines sections of this report, Direct Written Premiums include prior-year state fund data reported directly to the NAIC for the following states: Montana, North Dakota, Ohio, South Carolina, Washington and Wyoming. The Direct Written Premiums reported for Oklahoma were received after this report was produced and therefore, the full report uses data from the previous year. However, the current numbers for the Oklahoma state fund can be found in the technical notes portion of this report. The Direct Written Premiums utilized for the Pennsylvania state fund are from the 2007 fiscal year, as they were not received by the NAIC prior to the publication of this report. In the Fire, Homeowners, Allied and Total All Lines sections of this report, Direct Written Premiums include estimated 2009 premium data reported directly to the NAIC from the Louisiana state-run property insurer of last resort. Accordingly, for purposes of this report, “group” refers to those companies with a common NAIC group code. Companies that are not part of a group are identified by their individual NAIC company code. Market share by group, rather than by individual company, was selected on the basis that groups more accurately reflect the number of distinct entities that are competing against one another for business in the market. An index listing the individual insurers within a group is included at the end of the report. Insurers continuously merge, change names, and buy and sell companies; however, the index gives a “snapshot” view of group structures included in this report as filed with the NAIC by the date this report was generated. Market shares for 30 lines of business in 58 jurisdictions are included. The top 125 groups and companies countrywide are shown for each line of business. By state, the report is limited to the top 10 groups and companies in order to keep the publication to a manageable size. Market shares for the individual accident and health lines of business are not included in this report. Accident and health insurance data are reported to the NAIC on four annual statements: property/casualty, life/health, fraternal and health. Market share information for accident and health coverages is included in a separate publication, Market Share Reports for the Top 125 Accident and Health Insurers. That publication combines accident and health data from all four annual statement types. (Note: The “Total All Lines” market share in this publication represents Total Line 35 as reported on annual statement page 19 and, therefore, will include accident and health data.) For the premium only pages, Commercial Multi-Peril (CMP) is shown in total only, as the distinction between the property and liability portions of CMP are meaningful for analysis of loss development, but less so for analysis of market share. No Fault and Liability coverages are combined for both private passenger and commercial auto due to inconsistent reporting of No Fault data among the various companies and states. This report format may not satisfy all needs for market share information; however, this report provides cumulative market share data for the top 10 writers by state, U.S. territories, Canada, and Aggregate Other Alien (and the top 125 writers for these areas), which is one indicator of the degree of market concentration in a line of business. The report also provides the countrywide and by-state direct loss ratios for the top writers in each line of business, as well as a countrywide and by-state “total industry” loss ratio for each. Tables displaying the cumulative market shares and the direct loss ratios for each line of business on a countrywide basis follow this introduction. Starting with the 2005 edition, premium earned and incurred losses were added to the table displaying the direct loss ratios for each line of business. These figures only include data taken

© 2010 National Association of Insurance Commissioners1

from the “Exhibit of Premiums and Losses” (page 19–Statutory Page 14) in the NAIC property and casualty annual statement. For further analysis of the market share information, refer to the NAIC Market Share Reports by Line of Business. These reports are also on a calendar-year basis, but include the top 99% of the writers by state (and the top 125 countrywide). The loss ratios in this report reflect a simple calendar-year result. Loss ratios are reported as N/A for groups and companies with zero or negative earned premiums. While these loss ratios provide some information about results for that year, they should not be considered as measures of overall profitability. Many other factors, including expenses and investment income, are used in developing profitability measures. Many property lines, such as earthquake, homeowners, allied lines and inland marine, are subject to extreme fluctuations in results, due in particular to the occurrence of major catastrophes such as tornadoes, earthquakes and civil disturbances. For further analysis of the profitability of lines of business, refer to the NAIC Report on Profitability By Line By State. That report is also on a calendar-year basis, but it includes a 10-year aggregation of results. For lines not specifically included in the Report on Profitability, the NAIC Statistical Compilation of Annual Statement Information for Property/Casualty Companies contains a countrywide, calendar-year industry aggregation of the Insurance Expense Exhibit (IEE). If you have any questions regarding this report, please contact Aaron Brandenburg at the NAIC at (816) 783-8271 or Sara Robben at (816) 783-8230. Additional copies of this report can be obtained from:

NAIC CENTRAL OFFICE 2301 McGee Street, Suite 800 Kansas City, MO 64108-2604

Telephone (816) 783-8300 E-mail: [email protected]


2009 CUMULATIVE COUNTRYWIDE MARKET SHARE OF TOP TEN GROUPS AND COMPANIES

BY LINE OF BUSINESS (In descending order of 2009 market share)

LINE OF BUSINESS

2009 CUMUL. MARKET

SHARE

2008 CUMUL. MARKET

SHARE

2007 CUMUL. MARKET

SHARE

2006 CUMUL. MARKET

SHARE

2005 CUMUL. MARKET

SHARE 10 Financial Guaranty 100.00 100.49 99.95 99.97 99.946 Mortgage Guaranty 100.00 100.00 100.00 100.00 100.00

30 Warranty (new in 2008) 87.11 86.25 N/A N/A N/A

17.3 Excess Workers’ Compensation (split out in 2008) 86.65 89.32 N/A N/A N/A

23 Fidelity 86.08 88.35 89.93 93.04 89.3527 Boiler and Machinery 84.19 85.21 85.74 86.26 87.742.2 Multiple Peril Crop 83.81 83.96 83.93 83.36 84.8722 Aircraft 81.34 85.74 90.81 90.69 93.6526 Burglary and Theft 81.11 83.01 82.49 86.08 80.342.3 Federal Flood 79.62 79.19 79.29 79.85 78.9228 Credit 77.18 75.11 76.80 74.44 73.78

19.1, 19.2 Private Passenger Auto Liability 68.34 66.93 64.82 64.21 63.64

19.1, 19.2, 19.3 Total Private Passenger Auto 68.18 66.82 64.82 64.09 63.45

21.1 Private Passenger Auto Physical Damage 67.94 66.94 64.92 64.18 63.35

24 Surety 67.30 67.69 65.99 65.09 63.688 Ocean Marine 66.84 67.14 66.43 68.72 70.47

12 Earthquake 64.39 64.64 63.16 57.46 60.54

4 Homeowners Multi-Peril 63.57 63.25 62.93 63.12 63.88

34 Aggregate Write-ins (was 33 in years before 2008) 63.40 67.05 64.37 66.52 67.98

1 Fire 60.23 60.76 57.39 55.80 50.679 Inland Marine 60.01 60.42 59.63 56.59 56.26

2.1 Allied Lines 59.02 59.76 60.72 58.93 51.0518 Products Liability 55.01 55.61 57.72 60.52 62.3017 Other Liability N/A N/A 58.67 57.89 58.48

17.1, 17.2 Other Liability (split out in 2008) 54.58 56.99 N/A N/A N/A16 Workers’ Compensation 51.25 50.37 50.85 52.61 52.935 Total Commercial Multi-Peril 50.85 51.98 49.75 49.03 49.30

35 Total All Lines (was line 34 in years prior to 2008) 48.27 48.33 47.31 47.25 47.26

19.3, 19.4 Commercial Auto Liability 46.99 47.84 46.63 45.81 45.66

3 Farmowners Multi-Peril 46.07 45.36 44.42 43.72 43.08

19.3,19.4, 21.2 Total Commercial Auto 45.46 45.82 44.14 44.29 43.91

11 Medical Professional Liability 44.66 46.10 46.08 45.59 45.17

21.2 Commercial Auto Physical Damage 43.38 44.18 42.71 43.58 42.56 *Premium totals include negative written premiums, so cumulative market share can be greater than 100 percent.


PROPERTY AND CASUALTY INSURANCE INDUSTRY2009 MARKET SHARE REPORT

Direct Loss Ratios by Line of Business

Premium

2009

DirectLosses

Line of Business Earned

2008 2007 2006 2005

States, U. S. Territories, Canada and Aggregate Other Alien

(In Millions)

PremiumDirectLosses

EarnedPremium

DirectLosses

EarnedPremium

DirectLosses

EarnedPremium

DirectLosses

Earned

35. Total all LOB (includes lines not shown on this report)

59.84

$484,351.7 $289,818.9 $499,501.1 $505,613.6 $493,168.9 $482,915.6$331,451.2 $272,075.1 $255,460.6 $323,611.6

66.36 53.81 51.80 67.01Loss Ratios

1. Fire

36.61

$12,662.3 $4,635.4 $12,310.0 $12,182.7 $10,884.4 $9,235.8$6,378.9 $4,218.8 $4,443.3 $5,125.1

51.82 34.63 40.82 55.49Loss Ratios

2.1 Allied lines

36.15

$11,148.9 $4,030.5 $11,247.4 $11,291.5 $8,345.7 $7,598.5$8,322.1 $3,963.4 $2,897.2 $17,033.2

73.99 35.10 34.72 224.16Loss Ratios

2.2 Multiple peril crop

68.83

$8,697.1 $5,986.5 $10,024.8 $6,597.4 $4,781.8 $3,873.9$7,388.3 $3,809.6 $3,063.9 $2,094.4

73.70 57.74 64.08 54.06Loss Ratios

2.3 Federal flood

35.74

$2,936.9 $1,049.7 $2,589.1 $2,444.3 $2,133.7 $1,861.6$2,868.6 $297.9 $1,907.5 $16,237.2

110.80 12.19 89.40 872.23Loss Ratios

3. Farmowners multiple peril

69.04

$2,765.1 $1,909.0 $2,657.4 $2,549.7 $2,454.0 $2,360.4$2,197.4 $1,481.9 $1,455.6 $1,246.2

82.69 58.12 59.31 52.80Loss Ratios

4. Homeowners multiple peril

59.28

$66,494.8 $39,420.9 $65,043.0 $64,182.9 $58,925.1 $55,687.0$46,007.2 $32,306.3 $28,421.8 $41,812.4

70.73 50.33 48.23 75.08Loss Ratios

Total commercial peril

45.05

$34,209.3 $15,411.6 $35,474.8 $36,296.8 $35,622.1 $33,890.0$19,749.0 $15,129.4 $15,050.1 $20,225.6

55.67 41.68 42.25 59.68Loss Ratios

5.1 Commercial multiple peril (non-liability portion)

50.11

$21,912.8 $10,980.5 $22,014.7 $22,095.9 $21,214.4 $20,169.8$14,179.5 $9,660.9 $8,848.1 $13,990.8

64.41 43.72 41.71 69.37Loss Ratios

5.2 Commercial multiple peril (liability portion)

36.04

$12,296.5 $4,431.0 $13,460.1 $14,200.8 $14,407.7 $13,720.2$5,569.6 $5,468.5 $6,202.0 $6,234.8

41.38 38.51 43.05 45.44Loss Ratios

6. Mortgage guaranty

213.29

$5,632.4 $12,013.5 $6,384.3 $5,877.2 $5,361.6 $5,091.2$13,586.0 $5,502.5 $2,209.7 $1,833.1

212.80 93.62 41.21 36.00Loss Ratios

8. Ocean marine

46.47

$3,828.6 $1,779.0 $3,968.1 $3,841.9 $3,606.6 $3,331.1$2,608.0 $1,788.2 $2,376.6 $2,979.4

65.73 46.54 65.90 89.44Loss Ratios

Loss Ratio = [(Incurred Losses/Earned Premiums) * 100These loss ratios represent the results for a calendar year and should not be considered as measures of overall profitability of a line of insurance.




Premium

2009

DirectLosses


2008 2007 2006 2005


(In Millions)

PremiumDirectLosses

EarnedPremium

DirectLosses

EarnedPremium

DirectLosses

EarnedPremium

DirectLosses

Earned

9. Inland marine

45.31

$13,948.6 $6,320.7 $14,960.8 $15,201.6 $13,781.2 $12,340.7$7,671.9 $5,377.3 $6,110.6 $8,438.5

51.28 35.37 44.34 68.38Loss Ratios

10. Financial guaranty

250.43

$2,663.1 $6,669.2 $4,011.2 $3,023.0 $2,725.3 $2,685.8$19,239.1 $3,948.9 $199.6 $296.5

479.63 130.63 7.32 11.04Loss Ratios

11. Medical professional liability

35.55

$10,835.3 $3,851.4 $11,368.6 $11,734.4 $12,177.1 $11,941.9$3,965.3 $4,877.7 $5,205.1 $6,194.7

34.88 41.57 42.74 51.87Loss Ratios

12. Earthquake

0.15

$1,968.0 $3.0 $1,989.3 $2,084.0 $1,847.7 $1,625.4($20.7) ($38.8) $38.2 $242.9

(1.04) (1.86) 2.07 14.94Loss Ratios

16. Workers compensation

67.21

$41,593.3 $27,956.2 $46,660.3 $51,113.9 $53,889.8 $54,096.2$29,409.7 $30,917.6 $32,020.6 $34,729.0

63.03 60.49 59.42 64.20Loss Ratios

17.1,17.2 Other liability

53.17

$47,900.7 $25,466.8 $51,308.7 $54,347.3 $54,030.3 $52,986.2$27,154.7 $27,230.9 $27,797.9 $33,971.8

52.92 50.11 51.45 64.11Loss Ratios

17.3 Excess workers compensation

56.67

$927.6 $525.7 $1,078.3 $1,014.0

94.03Loss Ratios

18. Products liability

39.80

$3,071.9 $1,222.7 $3,609.5 $4,253.9 $4,483.0 $4,482.0$2,557.5 $1,658.8 $1,396.0 $2,676.1

70.85 38.99 31.14 59.71Loss Ratios

Total Private Passenger

64.54

$164,157.9 $105,952.1 $164,322.1 $165,132.6 $164,591.6 $163,900.1$104,683.8 $101,193.3 $95,214.4 $98,373.6

63.71 61.28 57.85 60.02Loss Ratios

19.1 Private passenger auto no-fault (personal injury protection)

109.16

$11,509.0 $12,563.7 $11,405.6 $11,613.8 $11,803.2 $12,029.6$9,627.8 $8,952.4 $8,127.5 $9,954.3

84.41 77.08 68.86 82.75Loss Ratios

19.2 Other private passenger auto liability

63.68

$86,384.8 $55,009.4 $85,574.9 $86,052.9 $85,783.7 $84,979.8$54,223.9 $53,317.5 $49,828.7 $50,353.1

63.36 61.96 58.09 59.25Loss Ratios

21.1 Private passenger auto physical damage

57.92

$66,264.1 $38,379.0 $67,341.5 $67,466.0 $67,004.6 $66,890.7$40,832.1 $38,923.4 $37,258.2 $38,066.2

60.63 57.69 55.61 56.91Loss Ratios





Premium

2009

DirectLosses


2008 2007 2006 2005


(In Millions)

PremiumDirectLosses

EarnedPremium

DirectLosses

EarnedPremium

DirectLosses

EarnedPremium

DirectLosses

Earned

Total Commercial Auto

53.09

$25,524.3 $13,550.3 $27,876.6 $29,458.0 $30,602.2 $30,419.0$15,268.9 $15,627.4 $15,968.0 $16,108.2

54.77 53.05 52.18 52.95Loss Ratios

19.3 Commercial auto no-fault (personal injury protection

68.03

$689.2 $468.9 $667.4 $712.0 $739.1 $681.1$331.2 $450.8 $439.4 $430.1

49.63 63.31 59.45 63.15Loss Ratios

19.4 Other commercial auto liability

52.28

$18,741.7 $9,798.5 $20,383.0 $21,511.2 $22,124.0 $22,027.3$10,997.1 $11,491.0 $11,621.4 $11,816.3

53.95 53.42 52.53 53.64Loss Ratios

21.2 Commercial auto physical damage

53.88

$6,093.4 $3,283.0 $6,826.1 $7,234.8 $7,739.0 $7,710.7$3,940.6 $3,685.7 $3,907.2 $3,861.8

57.73 50.94 50.49 50.08Loss Ratios

22. Aircraft (all perils)

54.13

$1,959.4 $1,060.6 $2,054.1 $3,024.9 $3,069.2 $2,855.0$923.8 $1,605.9 $1,095.2 $1,428.2

44.97 53.09 35.68 50.02Loss Ratios

23. Fidelity

48.99

$1,142.6 $559.8 $1,230.1 $1,304.0 $1,285.8 $1,352.9$514.5 $470.0 $472.9 $558.1

41.83 36.04 36.78 41.25Loss Ratios

24. Surety

19.47

$5,322.9 $1,036.3 $5,423.1 $5,215.0 $4,791.9 $4,407.8$659.6 $951.7 $754.4 $1,758.6

12.16 18.25 15.74 39.90Loss Ratios

26. Burglary and theft

12.60

$170.1 $21.4 $175.1 $171.3 $201.1 $133.1$31.4 $28.3 $33.7 $26.0

17.90 16.50 16.75 19.51Loss Ratios

27. Boiler and Machinery

30.07

$1,365.7 $410.6 $1,231.8 $1,206.1 $1,212.4 $1,203.8$518.2 $374.8 $414.5 $225.5

42.07 31.08 34.19 18.73Loss Ratios

28. Credit

104.67

$2,105.7 $2,204.1 $1,564.9 $1,629.7 $1,069.0 $956.4$2,186.1 $1,465.6 $462.3 $419.4

139.70 89.93 43.25 43.85Loss Ratios

30. Warranty

65.25

$2,799.9 $1,826.9 $2,451.1 $1,931.8

78.81Loss Ratios



Direct Written Premium Trend 1998 - 2009

0

100

200

300

400

500

600

1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009

In B

illio

ns

-4.0%

-2.0%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

16.0%

Perc

ent


35—Total All Lines


PROPERTY AND CASUALTY INSURANCE INDUSTRY2009 MARKET SHARE REPORT - TOTAL PREMIUM

States, U.S. Territories, Canada, and Aggregate Other Alien35-Total All Lines

StateWP

RANK

GROUP/COMPANY

CODE GROUP/COMPANY NAME

DIRECTPREMIUMSWRITTEN

(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%

CUMULATIVEMARKETSHARE %

1 176 STATE FARM GRP 51,063,111 50,389,869 69.59 72.59 10.50 10.502 212 ZURICH INS GRP 28,979,692 29,528,832 53.68 58.47 5.96 16.463 8 ALLSTATE INS GRP 26,153,440 26,396,704 58.94 61.53 5.38 21.844 12 AMERICAN INTL GRP 26,140,201 27,663,786 69.34 76.92 5.38 27.225 111 LIBERTY MUT GRP 24,772,894 24,887,577 56.89 61.83 5.10 32.326 3548 TRAVELERS GRP 21,409,548 21,513,971 43.31 49.39 4.40 36.727 31 BERKSHIRE HATHAWAY GRP 16,054,659 16,035,066 64.83 69.32 3.30 40.028 140 NATIONWIDE CORP GRP 15,405,562 15,590,963 60.55 63.53 3.17 43.199 155 PROGRESSIVE GRP 14,200,294 14,203,040 61.58 63.16 2.92 46.1110 91 HARTFORD FIRE & CAS GRP 10,473,026 10,740,868 50.22 55.72 2.15 48.2711 200 UNITED SERV AUTOMOBILE ASSN GRP 10,439,502 10,113,137 61.84 63.56 2.15 50.4112 38 CHUBB & SON INC GRP 9,419,255 9,669,897 38.65 41.36 1.94 52.3513 218 CNA INS GRP 8,131,206 7,751,829 59.74 68.68 1.67 54.0214 626 ACE LTD GRP 7,780,534 7,745,416 56.19 61.17 1.60 55.6315 761 ALLIANZ INS GRP 5,764,590 5,842,009 47.40 50.82 1.19 56.8116 473 AMERICAN FAMILY INS GRP 5,681,565 5,676,963 64.36 66.98 1.17 57.9817 280 AUTO OWNERS GRP 4,451,729 4,393,333 78.26 81.52 0.92 58.9018 213 ERIE INS GRP 3,860,839 3,806,455 58.76 62.62 0.79 59.6919 19 ASSURANT INC GRP 3,735,278 3,708,147 28.32 28.50 0.77 60.4620 84 AMERICAN FINANCIAL GRP 3,565,868 3,741,745 41.70 46.58 0.73 61.1921 98 WR BERKLEY CORP GRP 3,255,838 3,379,909 45.36 54.42 0.67 61.8622 65 FM GLOBAL GRP 3,199,857 3,176,101 31.36 34.62 0.66 62.5223 796 QBE INS GRP 3,128,630 3,051,753 50.68 56.42 0.64 63.1624 244 CINCINNATI FIN GRP 3,071,344 3,070,011 56.92 63.26 0.63 63.7925 241 METROPOLITAN GRP 2,984,333 2,987,047 55.68 57.03 0.61 64.4126 88 THE HANOVER INS GRP 2,887,949 2,828,456 57.90 61.24 0.59 65.0027 150 OLD REPUBLIC GRP 2,847,960 2,930,638 92.17 100.40 0.59 65.5928 1285 XL AMER GRP 2,571,749 2,819,244 63.41 71.69 0.53 66.1229 1129 WHITE MOUNTAINS GRP 2,557,984 2,624,058 46.42 52.98 0.53 66.6430 1318 AUTO CLUB ENTERPRISES INS GRP 2,547,520 2,558,755 50.37 52.51 0.52 67.1731 660 MERCURY GEN GRP 2,524,450 2,557,832 54.37 59.70 0.52 67.6932 OHIO BUREAU OF WORKERS' COMPENSATION 2,469,550 2,469,550 67.51 83.96 0.51 68.1933 1278 CALIFORNIA STATE AUTO GRP 2,360,403 2,340,761 56.69 58.45 0.49 68.6834 10064 CITIZENS PROP INS CORP 2,181,283 2,410,298 21.54 21.51 0.45 69.1335 50 COUNTRY INS & FIN SERV GRP 2,101,390 2,082,898 66.25 67.89 0.43 69.5636 361 MUNICH RE GRP 2,036,601 1,981,972 43.92 47.89 0.42 69.9837 677 PHILADELPHIA CONSOLIDATED HOLDING GR 2,026,458 1,962,236 44.59 51.32 0.42 70.4038 1281 BANKAMERICA CORP GRP 1,950,226 1,934,179 29.64 30.33 0.40 70.8039 215 UNITRIN GRP 1,922,893 1,982,701 61.93 64.00 0.40 71.1940 1279 ARCH INS GRP 1,835,277 1,861,259 51.03 56.89 0.38 71.5741 79 GMAC INS HOLDING GRP 1,718,419 2,007,844 65.73 66.90 0.35 71.9242 816 COMMERCE INC GRP 1,713,715 1,699,501 58.95 61.48 0.35 72.2843 169 SENTRY INS GRP 1,708,251 1,754,068 63.90 67.57 0.35 72.6344 175 STATE AUTO MUT GRP 1,685,548 1,635,100 57.65 62.56 0.35 72.9845 55 AUTOMOBILE CLUB MI GRP 1,680,227 1,675,353 83.45 85.90 0.35 73.3246 242 SELECTIVE INS GRP 1,666,158 1,666,927 53.73 59.06 0.34 73.6647 501 ALLEGHANY GRP 1,559,857 1,563,805 41.84 46.27 0.32 73.9848 471 WELLS FARGO GRP 1,475,046 1,550,468 80.59 80.63 0.30 74.2949 228 WESTFIELD GRP 1,470,667 1,469,574 55.33 59.50 0.30 74.5950 708 NEW JERSEY MANUFACTURERS GRP 1,411,948 1,404,897 67.11 76.18 0.29 74.8851 28 AMICA MUT GRP 1,394,738 1,366,332 54.33 56.70 0.29 75.1752 158 FAIRFAX FIN GRP 1,394,099 1,440,015 37.02 49.76 0.29 75.4553 WASHINGTON STATE FUND 1,360,533 1,360,533 172.64 186.31 0.28 75.7354 105 MGIC GRP 1,316,382 1,375,089 189.02 195.36 0.27 76.0155 36102 STATE INS FUND 1,309,601 1,311,660 92.81 95.47 0.27 76.2756 35076 STATE COMPENSATION INS FUND 1,287,041 1,282,537 73.21 80.36 0.26 76.5457 984 HCC INS HOLDINGS GRP 1,260,811 1,200,934 43.93 54.08 0.26 76.8058 408 AMERICAN NATL FIN GRP 1,252,344 1,264,429 68.09 71.28 0.26 77.0659 253 HARLEYSVILLE GRP 1,192,969 1,197,689 52.53 57.58 0.25 77.3060 785 MARKEL CORP GRP 1,192,130 1,302,452 40.18 49.45 0.25 77.5561 267 GRANGE MUT CAS GRP 1,178,752 1,155,207 62.50 64.42 0.24 77.7962 3416 AXIS CAPITAL GRP 1,174,940 1,156,025 41.12 46.38 0.24 78.0363 513 IOWA FARM BUREAU GRP 1,150,496 1,137,229 64.49 65.08 0.24 78.2764 181 SWISS RE GRP 1,131,138 1,192,492 42.34 59.39 0.23 78.5065 123 SHELTER INS GRP 1,114,023 1,089,867 71.24 72.85 0.23 78.73




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 62 EMC INS CO GRP 1,112,874 1,096,425 50.69 54.83 0.23 78.9667 457 ARGONAUT GRP 1,106,909 1,127,638 57.82 69.27 0.23 79.1968 306 CUNA MUT GRP 1,076,216 1,075,988 78.96 79.89 0.22 79.4169 483 SOUTHERN FARM BUREAU CAS GRP 1,036,654 1,034,983 62.61 64.80 0.21 79.6270 3703 TOWER GRP 996,130 944,673 45.01 41.72 0.20 79.8371 5 ALFA INS GRP 990,963 969,475 80.56 81.79 0.20 80.0372 25240 NAU COUNTRY INS CO 953,810 977,307 49.18 49.18 0.20 80.2373 3489 DELEK GRP 937,731 895,300 59.13 63.69 0.19 80.4274 7 FEDERATED MUT GRP 933,413 973,877 50.89 55.24 0.19 80.6175 694 TENNESSEE FARMERS GRP 927,694 913,014 83.00 84.71 0.19 80.8076 1135 PMI GRP 925,305 1,039,988 374.48 374.91 0.19 80.9977 194 ASSURED GUAR GRP 901,582 656,702 86.16 87.56 0.19 81.1878 3786 ENDURANCE GRP 883,618 961,078 74.27 76.12 0.18 81.3679 2538 AMTRUST FINANCIAL SERV GRP 860,784 859,046 56.46 61.75 0.18 81.5480 324 NORTH CAROLINA FARM BUREAU GRP 853,770 837,956 61.21 61.94 0.18 81.7181 3495 INFINITY PROP & CAS INS GRP 848,690 852,856 55.79 57.00 0.17 81.8982 766 RADIAN GRP 845,530 964,084 179.05 179.45 0.17 82.0683 311 MAIN STREET AMER GRP 837,863 834,491 49.48 52.68 0.17 82.2384 1120 EVEREST REINS HOLDINGS GRP 825,062 809,428 55.91 73.03 0.17 82.4085 572 BCBS OF MI GRP 798,310 800,369 64.25 69.84 0.16 82.5786 1227 PALISADES GRP 785,065 784,893 60.87 62.75 0.16 82.7387 1210 MLMIC GRP 769,433 796,436 49.27 73.43 0.16 82.8988 109 KENTUCKY FARM BUREAU GRP 765,876 749,789 103.44 104.72 0.16 83.0489 809 TEXAS FARM BUREAU MUT GRP 765,686 743,099 73.67 74.44 0.16 83.2090 1243 WEST BEND MUT GRP 755,912 756,660 54.50 57.15 0.16 83.3691 14184 ACUITY A MUT INS CO 744,710 748,101 55.86 60.11 0.15 83.5192 4011 GENWORTH FIN GRP 715,856 734,347 205.52 205.52 0.15 83.6693 291 MOTORISTS MUT GRP 682,649 675,219 58.28 65.00 0.14 83.8094 748 MEADOWBROOK INS GRP 678,380 637,043 46.67 57.15 0.14 83.9495 4 AMERIPRISE FIN GRP 673,966 658,398 70.96 73.67 0.14 84.0896 510 NAVIGATORS GRP 671,866 683,504 52.62 57.76 0.14 84.2197 93 STATE NATL GRP 666,196 673,723 66.66 75.44 0.14 84.3598 3239 ALLIED WORLD ASSUR HOLDING GRP 661,453 604,257 47.76 60.52 0.14 84.4999 22945 TEXAS MUT INS CO 634,389 645,639 44.09 52.42 0.13 84.62100 670 FIDELITY NATL FIN GRP 634,080 626,427 43.67 44.35 0.13 84.75101 783 RLI INS GRP 614,887 640,029 28.29 35.52 0.13 84.87102 201 UTICA GRP 606,906 610,251 63.77 90.42 0.12 85.00103 831 DOCTORS CO GRP 602,696 598,346 21.89 42.13 0.12 85.12104 586 ARBELLA INS GRP 595,022 597,240 53.66 55.34 0.12 85.25105 36 CENTRAL MUT INS CO GRP 587,601 580,084 64.39 69.01 0.12 85.37106 300 HORACE MANN GRP 576,758 570,618 61.08 62.53 0.12 85.48107 2698 PROASSURANCE CORP GRP 574,383 552,888 23.20 41.25 0.12 85.60108 18767 CHURCH MUT INS CO 568,750 565,913 64.54 65.98 0.12 85.72109 4663 UNIVERSAL INS HOLDING GRP 562,672 542,791 32.68 33.54 0.12 85.84110 188 SAFETY GRP 559,747 555,020 55.12 56.90 0.12 85.95111 542 INDIANA FARM BUREAU GRP 552,020 542,835 71.41 72.58 0.11 86.06112 767 PENNSYLVANIA MANUFACTURERS GRP 549,786 556,733 58.06 66.32 0.11 86.18113 303 GUIDEONE INS GRP 543,122 554,242 46.13 50.34 0.11 86.29114 29378 OLD AMER CNTY MUT FIRE INS CO 538,756 522,669 58.37 62.35 0.11 86.40115 561 GEORGIA FARM BUREAU GRP 535,513 543,866 94.82 95.71 0.11 86.51116 124 AMERISURE CO GRP 530,900 547,225 45.13 60.87 0.11 86.62117 71 UNIVERSAL INS CO GRP 520,429 518,103 42.73 44.32 0.11 86.73118 271 PENNSYLVANIA NATL INS GRP 512,056 517,539 51.83 57.79 0.11 86.83119 1309 FRANKENMUTH GRP 474,955 466,435 59.63 62.66 0.10 86.93120 1344 ARX HOLDING CORP GRP 472,464 428,346 27.04 28.84 0.10 87.03121 474 FCCI MUT INS GRP 471,793 474,479 47.49 56.24 0.10 87.12122 67 MICHIGAN FARM BUREAU GRP 471,401 466,184 81.00 85.16 0.10 87.22123 2518 CENTRAL SERV GRP 467,763 459,780 53.24 54.69 0.10 87.32124 336 ZENITH NATL INS GRP 465,199 475,997 44.61 50.27 0.10 87.41125 569 FARMERS MUT HAIL INS GRP 464,327 477,412 51.27 51.35 0.10 87.51

**INDUSTRY TOTAL** 486,152,051 489,734,023 60.26 65.12 100.00 100.00

¹ (Direct losses incurred / Direct premiums earned)

² (Direct losses incurred + Direct defense and cost containment expenses incurred) / (Direct premiums earned)






StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 176 STATE FARM GRP 966,036 968,559 75.93 78.29 15.02 15.022 5 ALFA INS GRP 708,610 703,266 85.46 86.29 11.02 26.043 8 ALLSTATE INS GRP 399,614 405,552 73.14 74.54 6.21 32.264 212 ZURICH INS GRP 378,830 385,682 54.02 57.44 5.89 38.155 3548 TRAVELERS GRP 317,976 318,584 56.70 62.92 4.94 43.096 111 LIBERTY MUT GRP 229,973 228,078 82.62 86.21 3.58 46.677 12 AMERICAN INTL GRP 218,237 247,781 101.75 114.81 3.39 50.068 140 NATIONWIDE CORP GRP 214,228 217,797 71.88 74.86 3.33 53.399 155 PROGRESSIVE GRP 193,498 198,492 53.57 55.12 3.01 56.4010 31 BERKSHIRE HATHAWAY GRP 173,469 173,865 61.79 66.38 2.70 59.10

**STATE TOTAL** 6,430,648 6,479,413 68.00 71.98 100.00 100.00. .

Alaska 1 176 STATE FARM GRP 185,616 181,987 58.45 61.38 12.63 12.632 12 AMERICAN INTL GRP 172,153 180,873 29.66 33.51 11.71 24.343 111 LIBERTY MUT GRP 124,258 140,331 70.72 76.54 8.45 32.804 8 ALLSTATE INS GRP 119,672 119,635 49.53 51.58 8.14 40.945 38733 ALASKA NATL INS CO 111,920 117,075 21.61 25.44 7.61 48.556 31 BERKSHIRE HATHAWAY GRP 91,767 93,010 50.94 52.39 6.24 54.807 200 UNITED SERV AUTOMOBILE ASSN GRP 73,109 70,269 57.87 59.72 4.97 59.778 155 PROGRESSIVE GRP 50,103 49,762 42.61 42.99 3.41 63.189 212 ZURICH INS GRP 46,205 45,400 34.19 36.40 3.14 66.3210 3548 TRAVELERS GRP 35,470 35,183 21.95 24.69 2.41 68.74

**STATE TOTAL** 1,469,796 1,490,229 47.37 50.70 100.00 100.00. .

Arizona 1 176 STATE FARM GRP 889,355 877,858 56.20 59.22 11.18 11.182 212 ZURICH INS GRP 882,176 920,671 40.76 42.76 11.09 22.273 8 ALLSTATE INS GRP 541,754 561,807 45.68 46.72 6.81 29.094 473 AMERICAN FAMILY INS GRP 384,390 397,075 56.62 58.86 4.83 33.925 111 LIBERTY MUT GRP 365,224 369,327 52.49 56.26 4.59 38.516 155 PROGRESSIVE GRP 333,816 331,357 53.18 54.08 4.20 42.717 31 BERKSHIRE HATHAWAY GRP 320,094 320,578 56.29 59.12 4.02 46.738 91 HARTFORD FIRE & CAS GRP 300,431 303,152 44.80 44.84 3.78 50.519 3548 TRAVELERS GRP 291,954 294,053 34.86 39.65 3.67 54.1810 200 UNITED SERV AUTOMOBILE ASSN GRP 291,597 277,327 64.03 65.88 3.67 57.85

**STATE TOTAL** 7,953,000 8,147,920 61.86 65.58 100.00 100.00. .

Arkansas 1 176 STATE FARM GRP 539,990 529,086 75.74 76.89 13.90 13.902 212 ZURICH INS GRP 246,260 245,321 61.31 65.29 6.34 20.253 483 SOUTHERN FARM BUREAU CAS GRP 217,278 216,188 76.57 77.93 5.59 25.844 13757 FARM BUREAU MUT INS CO OF AR INC 205,063 198,829 105.16 105.95 5.28 31.125 123 SHELTER INS GRP 194,861 190,544 76.28 77.47 5.02 36.146 8 ALLSTATE INS GRP 180,530 179,711 74.72 76.18 4.65 40.797 3548 TRAVELERS GRP 170,767 166,962 58.27 63.60 4.40 45.188 12 AMERICAN INTL GRP 151,627 191,419 95.29 104.96 3.90 49.099 140 NATIONWIDE CORP GRP 127,062 129,050 71.59 73.43 3.27 52.3610 111 LIBERTY MUT GRP 121,365 124,799 77.89 87.85 3.13 55.49

**STATE TOTAL** 3,883,515 3,899,187 71.53 74.79 100.00 100.00. .

California 1 212 ZURICH INS GRP 6,712,653 6,813,946 45.85 51.99 12.25 12.252 176 STATE FARM GRP 4,793,573 4,746,851 52.21 56.37 8.74 20.993 111 LIBERTY MUT GRP 2,693,675 2,715,225 47.80 53.35 4.91 25.904 12 AMERICAN INTL GRP 2,657,948 2,923,411 76.11 88.93 4.85 30.755 8 ALLSTATE INS GRP 2,557,338 2,579,260 52.60 56.37 4.67 35.426 3548 TRAVELERS GRP 2,134,879 2,104,463 37.70 46.83 3.89 39.317 1318 AUTO CLUB ENTERPRISES INS GRP 2,007,798 2,045,619 47.76 49.84 3.66 42.988 660 MERCURY GEN GRP 1,974,896 2,007,522 51.18 55.14 3.60 46.589 1278 CALIFORNIA STATE AUTO GRP 1,921,680 1,927,701 53.18 54.85 3.51 50.0810 140 NATIONWIDE CORP GRP 1,701,764 1,702,265 48.23 54.25 3.10 53.19

**STATE TOTAL** 54,816,788 55,476,247 51.70 58.68 100.00 100.00. .

Colorado 1 176 STATE FARM GRP 994,954 979,162 86.95 89.31 12.52 12.522 212 ZURICH INS GRP 872,676 878,613 76.19 78.11 10.98 23.503 473 AMERICAN FAMILY INS GRP 499,317 502,823 92.09 96.01 6.28 29.784 3548 TRAVELERS GRP 419,061 417,025 63.08 69.22 5.27 35.065 8 ALLSTATE INS GRP 381,460 384,463 81.10 82.33 4.80 39.86




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 111 LIBERTY MUT GRP 380,029 386,515 72.66 76.27 4.78 44.647 41190 PINNACOL ASSUR 353,824 381,694 65.05 67.13 4.45 49.098 12 AMERICAN INTL GRP 321,450 337,729 49.71 57.04 4.04 53.149 200 UNITED SERV AUTOMOBILE ASSN GRP 318,350 305,144 88.91 90.49 4.01 57.1410 91 HARTFORD FIRE & CAS GRP 270,849 278,417 86.73 90.08 3.41 60.55

**STATE TOTAL** 7,946,896 8,040,177 73.01 77.14 100.00 100.00. .

Connecticut 1 111 LIBERTY MUT GRP 675,895 671,337 61.58 65.08 10.06 10.062 3548 TRAVELERS GRP 620,631 629,039 41.19 46.66 9.24 19.303 8 ALLSTATE INS GRP 428,457 436,212 49.48 51.75 6.38 25.684 91 HARTFORD FIRE & CAS GRP 427,478 448,312 43.93 42.60 6.36 32.045 31 BERKSHIRE HATHAWAY GRP 323,638 320,461 69.61 73.85 4.82 36.866 38 CHUBB & SON INC GRP 321,381 327,342 42.38 41.98 4.78 41.647 12 AMERICAN INTL GRP 300,358 383,250 105.89 117.38 4.47 46.118 140 NATIONWIDE CORP GRP 227,845 228,638 63.60 65.77 3.39 49.509 155 PROGRESSIVE GRP 217,842 215,709 54.32 56.16 3.24 52.7410 212 ZURICH INS GRP 214,390 209,231 76.00 84.81 3.19 55.93

**STATE TOTAL** 6,718,452 6,809,903 55.16 59.65 100.00 100.00. .

Delaware 1 12 AMERICAN INTL GRP 580,009 588,044 70.04 72.21 24.29 24.292 176 STATE FARM GRP 206,210 204,307 65.68 69.43 8.64 32.933 140 NATIONWIDE CORP GRP 179,715 179,716 61.62 63.21 7.53 40.454 34215 NUCLEAR ELECTRIC INS LTD 178,648 179,865 130.08 131.16 7.48 47.935 111 LIBERTY MUT GRP 121,066 123,762 61.73 66.60 5.07 53.006 31 BERKSHIRE HATHAWAY GRP 81,989 81,946 70.39 72.66 3.43 56.447 3548 TRAVELERS GRP 70,993 76,782 17.13 21.86 2.97 59.418 91 HARTFORD FIRE & CAS GRP 63,294 69,845 45.14 50.90 2.65 62.069 19 ASSURANT INC GRP 61,399 61,669 28.46 28.50 2.57 64.6310 212 ZURICH INS GRP 59,593 58,806 61.69 66.46 2.50 67.13

**STATE TOTAL** 2,387,852 2,454,646 68.78 71.84 100.00 100.00. .

District of Columbia 1 12 AMERICAN INTL GRP 194,455 211,250 104.39 108.56 12.24 12.242 3548 TRAVELERS GRP 158,981 157,479 33.83 40.87 10.01 22.243 31 BERKSHIRE HATHAWAY GRP 98,794 96,012 62.83 62.67 6.22 28.464 38 CHUBB & SON INC GRP 92,566 91,295 19.99 20.13 5.83 34.295 176 STATE FARM GRP 90,247 89,651 64.78 67.62 5.68 39.976 111 LIBERTY MUT GRP 81,337 80,378 49.61 54.25 5.12 45.097 91 HARTFORD FIRE & CAS GRP 77,703 81,635 46.28 54.24 4.89 49.988 1135 PMI GRP 69,519 74,655 671.81 671.81 4.38 54.359 150 OLD REPUBLIC GRP 50,759 54,395 529.76 555.46 3.19 57.5510 212 ZURICH INS GRP 44,290 45,962 85.02 89.38 2.79 60.33

**STATE TOTAL** 1,588,916 1,600,194 110.44 114.93 100.00 100.00. .

Florida 1 176 STATE FARM GRP 3,798,506 3,919,319 70.49 75.46 10.63 10.632 10064 CITIZENS PROP INS CORP 2,181,283 2,410,298 21.54 21.51 6.10 16.733 8 ALLSTATE INS GRP 2,138,269 2,162,129 61.21 64.32 5.98 22.714 31 BERKSHIRE HATHAWAY GRP 2,032,993 2,025,867 62.93 66.88 5.69 28.405 155 PROGRESSIVE GRP 1,668,211 1,680,491 67.77 68.64 4.67 33.076 12 AMERICAN INTL GRP 1,591,893 1,672,196 56.07 62.38 4.45 37.527 111 LIBERTY MUT GRP 1,402,142 1,456,322 48.35 52.11 3.92 41.448 212 ZURICH INS GRP 1,230,171 1,345,197 46.71 51.96 3.44 44.899 200 UNITED SERV AUTOMOBILE ASSN GRP 1,053,786 1,026,348 53.01 55.30 2.95 47.8310 3548 TRAVELERS GRP 976,896 997,915 36.35 42.73 2.73 50.57

**STATE TOTAL** 35,742,642 36,564,805 50.86 55.11 100.00 100.00. .

Georgia 1 176 STATE FARM GRP 1,904,723 1,901,023 90.24 92.49 14.38 14.382 8 ALLSTATE INS GRP 1,043,229 1,040,597 97.01 98.98 7.87 22.253 3548 TRAVELERS GRP 731,333 737,488 63.85 68.31 5.52 27.774 155 PROGRESSIVE GRP 684,413 693,278 60.81 62.03 5.17 32.945 111 LIBERTY MUT GRP 677,746 667,813 74.65 78.23 5.12 38.056 31 BERKSHIRE HATHAWAY GRP 552,117 542,188 69.29 74.28 4.17 42.227 561 GEORGIA FARM BUREAU GRP 535,513 543,866 94.82 95.71 4.04 46.268 12 AMERICAN INTL GRP 518,479 565,124 72.83 80.47 3.91 50.189 200 UNITED SERV AUTOMOBILE ASSN GRP 446,362 434,535 86.11 87.74 3.37 53.5410 212 ZURICH INS GRP 414,476 430,348 66.22 69.95 3.13 56.67




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 13,248,627 13,356,935 77.59 81.92 100.00 100.00. .

Hawaii 1 176 STATE FARM GRP 230,343 223,308 36.16 37.81 11.08 11.082 218 CNA INS GRP 196,843 196,882 28.91 35.02 9.47 20.563 31 BERKSHIRE HATHAWAY GRP 151,884 153,369 46.27 47.62 7.31 27.874 212 ZURICH INS GRP 145,625 152,902 52.02 52.85 7.01 34.875 106 ISLAND INS CO GRP 120,142 124,238 24.73 28.43 5.78 40.656 200 UNITED SERV AUTOMOBILE ASSN GRP 108,863 107,631 37.71 38.87 5.24 45.897 12 AMERICAN INTL GRP 103,470 108,314 35.33 43.29 4.98 50.878 8 ALLSTATE INS GRP 80,388 81,059 33.59 35.42 3.87 54.749 111 LIBERTY MUT GRP 78,804 80,184 48.33 53.79 3.79 58.5310 761 ALLIANZ INS GRP 76,868 82,083 21.96 22.35 3.70 62.23

**STATE TOTAL** 2,078,077 2,121,840 36.40 39.96 100.00 100.00. .

Idaho 1 111 LIBERTY MUT GRP 190,896 191,097 71.37 73.42 9.45 9.452 212 ZURICH INS GRP 184,121 184,388 41.93 45.31 9.11 18.563 176 STATE FARM GRP 156,834 153,584 53.68 55.31 7.76 26.334 36129 IDAHO STATE INS FUND 154,030 160,188 76.80 82.47 7.62 33.955 842 FARM BUREAU GRP 137,352 137,493 62.52 65.02 6.80 40.756 8 ALLSTATE INS GRP 104,781 104,671 46.70 48.44 5.19 45.947 3548 TRAVELERS GRP 68,386 67,288 52.61 56.21 3.39 49.328 12 AMERICAN INTL GRP 65,084 68,811 50.00 54.48 3.22 52.549 31 BERKSHIRE HATHAWAY GRP 63,663 62,898 76.06 81.27 3.15 55.6910 155 PROGRESSIVE GRP 57,687 57,020 52.35 53.23 2.86 58.55

**STATE TOTAL** 2,020,249 2,041,296 60.11 63.86 100.00 100.00. .

Illinois 1 176 STATE FARM GRP 2,972,972 2,910,107 72.83 74.95 14.50 14.502 12 AMERICAN INTL GRP 1,888,257 1,866,627 86.75 92.17 9.21 23.723 8 ALLSTATE INS GRP 1,165,732 1,172,033 51.37 53.70 5.69 29.404 212 ZURICH INS GRP 1,129,434 1,109,639 64.24 73.50 5.51 34.925 50 COUNTRY INS & FIN SERV GRP 990,901 977,231 63.64 65.15 4.83 39.756 3548 TRAVELERS GRP 858,509 847,745 46.45 54.98 4.19 43.947 111 LIBERTY MUT GRP 847,816 849,880 62.17 64.08 4.14 48.078 473 AMERICAN FAMILY INS GRP 526,251 524,250 66.38 69.64 2.57 50.649 91 HARTFORD FIRE & CAS GRP 489,348 492,181 66.21 74.24 2.39 53.0310 38 CHUBB & SON INC GRP 449,423 462,104 39.59 44.43 2.19 55.22

**STATE TOTAL** 20,496,420 20,433,587 65.37 70.84 100.00 100.00. .

Indiana 1 176 STATE FARM GRP 1,184,631 1,148,552 74.53 76.17 14.14 14.142 542 INDIANA FARM BUREAU GRP 514,788 505,608 71.89 73.00 6.15 20.293 111 LIBERTY MUT GRP 491,919 498,765 53.76 54.73 5.87 26.164 212 ZURICH INS GRP 312,607 319,823 53.82 58.91 3.73 29.895 8 ALLSTATE INS GRP 303,938 302,169 51.92 53.73 3.63 33.526 12 AMERICAN INTL GRP 296,381 305,143 57.05 63.16 3.54 37.067 3548 TRAVELERS GRP 294,492 290,582 53.10 57.97 3.52 40.588 473 AMERICAN FAMILY INS GRP 258,514 263,716 65.14 68.40 3.09 43.669 155 PROGRESSIVE GRP 252,617 254,891 58.08 58.56 3.02 46.6810 280 AUTO OWNERS GRP 249,372 245,051 72.99 77.18 2.98 49.65

**STATE TOTAL** 8,376,438 8,341,738 60.79 64.46 100.00 100.00. .

Iowa 1 176 STATE FARM GRP 498,221 484,199 61.69 63.48 9.90 9.902 140 NATIONWIDE CORP GRP 409,566 411,095 65.33 66.89 8.14 18.043 513 IOWA FARM BUREAU GRP 298,351 291,542 65.64 65.88 5.93 23.974 12 AMERICAN INTL GRP 198,619 209,537 62.51 68.26 3.95 27.925 155 PROGRESSIVE GRP 190,307 187,835 58.53 59.14 3.78 31.706 626 ACE LTD GRP 183,169 173,256 105.97 107.12 3.64 35.357 62 EMC INS CO GRP 173,218 170,119 54.28 60.85 3.44 38.798 473 AMERICAN FAMILY INS GRP 162,751 161,224 59.14 60.69 3.23 42.029 569 FARMERS MUT HAIL INS GRP 138,165 138,282 62.53 62.54 2.75 44.7710 3548 TRAVELERS GRP 137,513 133,103 59.94 68.72 2.73 47.50

**STATE TOTAL** 5,031,046 5,004,661 61.88 64.88 100.00 100.00. .

Kansas 1 176 STATE FARM GRP 548,628 540,941 65.88 67.50 11.07 11.072 473 AMERICAN FAMILY INS GRP 363,447 365,824 67.22 68.51 7.34 18.413 212 ZURICH INS GRP 353,260 345,876 61.40 63.02 7.13 25.54




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 513 IOWA FARM BUREAU GRP 342,399 344,648 69.87 70.44 6.91 32.455 3548 TRAVELERS GRP 246,698 236,814 60.87 64.63 4.98 37.436 140 NATIONWIDE CORP GRP 188,721 189,309 67.32 69.03 3.81 41.247 111 LIBERTY MUT GRP 188,295 198,343 62.80 66.07 3.80 45.048 626 ACE LTD GRP 145,142 133,927 65.81 73.16 2.93 47.979 471 WELLS FARGO GRP 144,946 179,880 39.29 39.29 2.93 50.8910 12 AMERICAN INTL GRP 138,509 148,864 45.34 54.61 2.80 53.69

**STATE TOTAL** 4,954,780 4,988,543 61.88 64.52 100.00 100.00. .

Kentucky 1 109 KENTUCKY FARM BUREAU GRP 765,876 749,789 103.44 104.72 13.57 13.572 176 STATE FARM GRP 690,313 677,954 86.77 88.69 12.23 25.813 111 LIBERTY MUT GRP 477,135 482,622 68.20 72.53 8.46 34.264 8 ALLSTATE INS GRP 255,224 263,516 69.96 72.25 4.52 38.795 3548 TRAVELERS GRP 221,578 221,654 36.12 41.16 3.93 42.716 155 PROGRESSIVE GRP 209,028 212,408 65.06 65.73 3.70 46.427 12 AMERICAN INTL GRP 201,702 214,606 50.49 55.28 3.57 49.998 140 NATIONWIDE CORP GRP 148,801 151,361 83.22 85.31 2.64 52.639 175 STATE AUTO MUT GRP 147,041 146,258 74.15 78.10 2.61 55.2410 31 BERKSHIRE HATHAWAY GRP 128,855 128,555 58.67 69.44 2.28 57.52

**STATE TOTAL** 5,642,439 5,651,053 72.28 75.72 100.00 100.00. .

Louisiana 1 176 STATE FARM GRP 1,668,817 1,640,258 47.63 52.20 17.69 17.692 8 ALLSTATE INS GRP 716,972 726,080 35.33 37.35 7.60 25.293 111 LIBERTY MUT GRP 521,299 514,778 63.49 70.24 5.53 30.824 12 AMERICAN INTL GRP 444,606 484,961 57.44 67.07 4.71 35.535 155 PROGRESSIVE GRP 415,396 408,794 60.82 62.65 4.40 39.936 212 ZURICH INS GRP 387,923 408,025 29.28 34.36 4.11 44.057 3548 TRAVELERS GRP 331,813 330,153 18.59 24.70 3.52 47.568 31 BERKSHIRE HATHAWAY GRP 238,786 243,043 58.99 63.61 2.53 50.099 LOUISIANA CITIZENS PROPERTY INS. 222,251 247,516 23.79 27.96 2.36 52.4510 218 CNA INS GRP 207,556 198,647 31.61 43.77 2.20 54.65

**STATE TOTAL** 9,433,304 9,440,547 45.61 49.78 100.00 100.00. .

Maine 1 111 LIBERTY MUT GRP 169,725 166,946 46.93 49.82 9.29 9.292 1332 MAINE EMPLOYERS MUT INS GRP 126,379 131,337 65.09 67.95 6.92 16.223 176 STATE FARM GRP 117,500 114,876 61.69 63.00 6.43 22.654 1129 WHITE MOUNTAINS GRP 92,941 100,611 34.82 37.50 5.09 27.745 3548 TRAVELERS GRP 85,060 83,506 34.04 38.62 4.66 32.406 155 PROGRESSIVE GRP 83,161 82,452 48.28 48.84 4.55 36.957 8 ALLSTATE INS GRP 78,478 78,567 39.99 40.20 4.30 41.258 88 THE HANOVER INS GRP 76,406 75,624 45.56 48.90 4.18 45.439 98 WR BERKLEY CORP GRP 72,102 71,438 38.55 42.61 3.95 49.3810 15997 MMG INS CO 58,295 58,058 40.94 41.36 3.19 52.57

**STATE TOTAL** 1,826,065 1,829,552 50.53 54.03 100.00 100.00. .

Maryland 1 176 STATE FARM GRP 1,080,066 1,071,134 64.67 66.68 12.49 12.492 31 BERKSHIRE HATHAWAY GRP 808,663 803,996 66.14 68.36 9.35 21.843 8 ALLSTATE INS GRP 711,800 724,052 68.15 71.85 8.23 30.074 140 NATIONWIDE CORP GRP 611,216 612,467 56.97 58.40 7.07 37.145 3548 TRAVELERS GRP 517,699 521,265 45.45 50.35 5.99 43.136 213 ERIE INS GRP 471,303 465,747 53.64 55.54 5.45 48.587 111 LIBERTY MUT GRP 435,690 429,562 61.42 64.48 5.04 53.618 200 UNITED SERV AUTOMOBILE ASSN GRP 324,630 311,167 65.81 67.50 3.75 57.379 91 HARTFORD FIRE & CAS GRP 273,404 282,546 75.34 84.25 3.16 60.5310 155 PROGRESSIVE GRP 271,363 271,474 63.33 64.28 3.14 63.67

**STATE TOTAL** 8,647,688 8,741,418 62.12 65.78 100.00 100.00. .

Massachusetts 1 816 COMMERCE INC GRP 1,327,685 1,372,943 57.21 59.51 12.34 12.342 3548 TRAVELERS GRP 857,183 882,406 33.08 37.94 7.97 20.313 111 LIBERTY MUT GRP 838,615 806,658 57.87 67.99 7.79 28.104 188 SAFETY GRP 558,769 554,572 55.11 56.89 5.19 33.305 586 ARBELLA INS GRP 551,723 555,815 54.13 55.67 5.13 38.426 12 AMERICAN INTL GRP 536,975 588,993 69.00 75.69 4.99 43.427 38 CHUBB & SON INC GRP 371,966 383,893 30.11 33.71 3.46 46.878 88 THE HANOVER INS GRP 326,692 329,130 49.84 53.01 3.04 49.91




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 415 PLYMOUTH ROCK INS GRP 289,561 295,672 65.76 66.47 2.69 52.6010 241 METROPOLITAN GRP 263,417 281,493 55.03 56.07 2.45 55.05

**STATE TOTAL** 10,758,640 10,891,298 49.19 53.72 100.00 100.00. .

Michigan 1 176 STATE FARM GRP 1,609,947 1,587,428 136.79 140.48 11.70 11.702 55 AUTOMOBILE CLUB MI GRP 1,304,028 1,315,602 86.37 88.84 9.48 21.183 280 AUTO OWNERS GRP 1,211,675 1,199,526 108.64 110.96 8.81 29.984 88 THE HANOVER INS GRP 802,265 791,185 70.50 72.20 5.83 35.815 8 ALLSTATE INS GRP 570,586 559,772 71.80 76.15 4.15 39.966 212 ZURICH INS GRP 523,527 549,189 68.13 73.52 3.80 43.767 155 PROGRESSIVE GRP 518,459 525,125 119.11 121.44 3.77 47.538 67 MICHIGAN FARM BUREAU GRP 471,401 466,184 81.00 85.16 3.43 50.969 111 LIBERTY MUT GRP 426,652 453,059 63.95 68.45 3.10 54.0610 12 AMERICAN INTL GRP 390,007 394,084 71.80 73.34 2.83 56.89

**STATE TOTAL** 13,760,125 14,148,915 79.53 83.05 100.00 100.00. .

Minnesota 1 176 STATE FARM GRP 1,099,893 1,075,507 62.30 64.41 12.74 12.742 473 AMERICAN FAMILY INS GRP 664,545 655,223 50.95 53.60 7.70 20.443 212 ZURICH INS GRP 573,867 572,964 74.20 77.87 6.65 27.094 155 PROGRESSIVE GRP 367,491 366,700 63.60 65.54 4.26 31.355 3548 TRAVELERS GRP 306,464 303,010 53.59 61.19 3.55 34.906 111 LIBERTY MUT GRP 304,489 297,447 62.34 66.40 3.53 38.437 12 AMERICAN INTL GRP 297,735 317,477 83.96 90.44 3.45 41.878 761 ALLIANZ INS GRP 297,733 296,749 30.16 30.55 3.45 45.329 280 AUTO OWNERS GRP 285,914 278,286 55.74 57.63 3.31 48.6410 8 ALLSTATE INS GRP 234,717 236,810 48.20 50.05 2.72 51.36

**STATE TOTAL** 8,631,676 8,588,860 59.83 63.31 100.00 100.00. .

Mississippi 1 176 STATE FARM GRP 602,433 602,789 59.72 62.57 14.75 14.752 483 SOUTHERN FARM BUREAU CAS GRP 357,428 358,569 62.64 64.19 8.75 23.493 8 ALLSTATE INS GRP 227,961 224,798 45.96 47.30 5.58 29.074 140 NATIONWIDE CORP GRP 210,837 211,232 55.42 58.35 5.16 34.235 212 ZURICH INS GRP 203,060 208,540 37.81 41.70 4.97 39.206 3548 TRAVELERS GRP 203,037 208,523 23.76 28.72 4.97 44.177 111 LIBERTY MUT GRP 199,917 195,682 54.55 65.07 4.89 49.078 155 PROGRESSIVE GRP 177,730 181,804 56.88 57.98 4.35 53.429 12 AMERICAN INTL GRP 153,234 173,623 49.90 56.44 3.75 57.1710 200 UNITED SERV AUTOMOBILE ASSN GRP 87,275 85,174 53.91 55.11 2.14 59.30

**STATE TOTAL** 4,085,533 4,123,461 50.38 54.07 100.00 100.00. .

Missouri 1 176 STATE FARM GRP 1,183,722 1,156,456 61.64 63.02 13.35 13.352 473 AMERICAN FAMILY INS GRP 874,656 870,423 62.41 64.05 9.87 23.223 212 ZURICH INS GRP 515,163 529,786 58.72 61.79 5.81 29.034 111 LIBERTY MUT GRP 465,999 478,403 51.25 53.95 5.26 34.295 3548 TRAVELERS GRP 410,732 400,199 44.26 49.97 4.63 38.926 12 AMERICAN INTL GRP 403,036 422,274 45.55 53.71 4.55 43.467 218 CNA INS GRP 309,695 311,895 48.99 50.88 3.49 46.968 123 SHELTER INS GRP 309,360 303,461 64.03 65.31 3.49 50.459 140 NATIONWIDE CORP GRP 236,185 236,240 57.57 60.34 2.66 53.1110 155 PROGRESSIVE GRP 230,466 225,215 59.31 60.46 2.60 55.71

**STATE TOTAL** 8,865,361 8,874,344 58.21 62.41 100.00 100.00. .

Montana 1 MT STATE COMPENSATION INSURANCE FUND 206,218 214,966 82.59 85.01 11.02 11.022 111 LIBERTY MUT GRP 191,280 190,125 78.81 83.28 10.22 21.243 176 STATE FARM GRP 181,784 178,991 63.07 65.17 9.71 30.954 212 ZURICH INS GRP 163,191 161,467 41.88 44.85 8.72 39.675 3548 TRAVELERS GRP 110,099 107,451 45.83 48.49 5.88 45.556 626 ACE LTD GRP 65,064 60,003 67.48 69.33 3.48 49.037 91 HARTFORD FIRE & CAS GRP 61,483 61,955 84.71 93.20 3.28 52.318 155 PROGRESSIVE GRP 53,311 53,114 55.04 55.79 2.85 55.169 4683 MOUNTAIN WEST FARM GRP 53,194 51,132 62.37 64.97 2.84 58.0010 140 NATIONWIDE CORP GRP 41,428 43,987 69.99 72.55 2.21 60.22

**STATE TOTAL** 1,871,658 1,894,952 68.71 71.85 100.00 100.00. .

Nebraska 1 176 STATE FARM GRP 421,477 412,654 60.15 61.47 12.17 12.17




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 13889 FARMERS MUT INS CO OF NE 177,750 175,609 68.43 69.29 5.13 17.303 212 ZURICH INS GRP 164,984 163,092 59.63 67.73 4.76 22.074 140 NATIONWIDE CORP GRP 162,692 160,383 59.13 60.15 4.70 26.775 473 AMERICAN FAMILY INS GRP 151,243 151,531 65.74 66.26 4.37 31.146 626 ACE LTD GRP 150,588 139,893 83.57 83.43 4.35 35.487 513 IOWA FARM BUREAU GRP 149,657 144,856 59.85 60.60 4.32 39.818 3548 TRAVELERS GRP 135,758 133,400 50.11 54.44 3.92 43.739 12 AMERICAN INTL GRP 119,295 123,249 75.21 80.39 3.45 47.1710 155 PROGRESSIVE GRP 103,374 102,614 64.90 65.40 2.99 50.16

**STATE TOTAL** 3,462,772 3,445,455 58.41 60.64 100.00 100.00. .

Nevada 1 212 ZURICH INS GRP 446,795 461,935 50.29 59.86 11.48 11.482 176 STATE FARM GRP 361,669 355,765 57.32 60.45 9.30 20.783 8 ALLSTATE INS GRP 265,667 270,206 52.14 54.51 6.83 27.614 111 LIBERTY MUT GRP 204,935 214,942 52.82 60.21 5.27 32.885 12 AMERICAN INTL GRP 177,957 234,324 105.77 116.54 4.57 37.456 91 HARTFORD FIRE & CAS GRP 163,925 168,612 47.14 52.33 4.21 41.667 1278 CALIFORNIA STATE AUTO GRP 148,690 148,398 61.20 63.71 3.82 45.498 3548 TRAVELERS GRP 143,539 152,608 28.86 38.55 3.69 49.189 155 PROGRESSIVE GRP 142,232 141,888 50.77 52.79 3.66 52.8310 473 AMERICAN FAMILY INS GRP 140,598 149,522 60.77 67.15 3.61 56.45

**STATE TOTAL** 3,890,446 4,083,840 60.21 67.81 100.00 100.00. .

New Hampshire 1 111 LIBERTY MUT GRP 253,219 253,846 72.65 75.24 13.12 13.122 176 STATE FARM GRP 133,905 132,855 60.16 61.69 6.94 20.063 8 ALLSTATE INS GRP 96,377 97,630 39.23 39.14 4.99 25.054 3548 TRAVELERS GRP 85,910 86,732 32.39 35.29 4.45 29.515 155 PROGRESSIVE GRP 75,451 75,821 52.14 52.78 3.91 33.416 98 WR BERKLEY CORP GRP 72,667 74,422 42.00 46.42 3.77 37.187 91 HARTFORD FIRE & CAS GRP 69,318 73,996 68.42 56.69 3.59 40.778 31 BERKSHIRE HATHAWAY GRP 68,913 70,581 54.18 57.54 3.57 44.349 212 ZURICH INS GRP 65,154 65,772 43.07 43.07 3.38 47.7210 45 CONCORD GRP 55,860 55,518 55.96 56.24 2.89 50.61

**STATE TOTAL** 1,929,865 1,952,862 55.72 58.08 100.00 100.00. .

New Jersey 1 708 NEW JERSEY MANUFACTURERS GRP 1,380,815 1,374,127 66.41 75.37 8.40 8.402 8 ALLSTATE INS GRP 1,174,507 1,190,536 65.16 72.56 7.14 15.543 111 LIBERTY MUT GRP 1,162,300 1,165,422 59.11 66.23 7.07 22.614 31 BERKSHIRE HATHAWAY GRP 991,468 983,954 90.36 99.06 6.03 28.635 176 STATE FARM GRP 924,845 897,448 71.22 82.40 5.62 34.266 3548 TRAVELERS GRP 912,006 931,430 46.88 53.32 5.55 39.807 1227 PALISADES GRP 785,065 784,893 60.87 62.75 4.77 44.588 12 AMERICAN INTL GRP 738,407 780,421 81.94 93.16 4.49 49.079 212 ZURICH INS GRP 689,959 719,768 66.01 82.87 4.20 53.2610 38 CHUBB & SON INC GRP 520,085 542,706 47.50 52.04 3.16 56.42

**STATE TOTAL** 16,445,911 16,523,392 60.65 69.68 100.00 100.00. .

New Mexico 1 212 ZURICH INS GRP 336,597 339,091 47.35 50.19 12.85 12.852 176 STATE FARM GRP 327,497 324,526 61.57 63.45 12.51 25.363 8 ALLSTATE INS GRP 178,479 180,420 46.86 47.58 6.82 32.184 111 LIBERTY MUT GRP 154,178 154,967 52.91 56.17 5.89 38.075 155 PROGRESSIVE GRP 117,182 116,451 54.03 55.26 4.48 42.546 3548 TRAVELERS GRP 112,903 112,278 36.32 39.05 4.31 46.857 31 BERKSHIRE HATHAWAY GRP 112,046 111,278 53.05 56.70 4.28 51.138 91 HARTFORD FIRE & CAS GRP 111,030 112,183 52.07 54.72 4.24 55.379 200 UNITED SERV AUTOMOBILE ASSN GRP 101,700 97,178 58.50 60.35 3.88 59.2610 12 AMERICAN INTL GRP 88,518 100,618 60.71 75.31 3.38 62.64

**STATE TOTAL** 2,618,494 2,633,758 52.72 57.03 100.00 100.00. .

New York 1 8 ALLSTATE INS GRP 2,761,761 2,778,864 65.13 69.08 7.91 7.912 31 BERKSHIRE HATHAWAY GRP 2,490,510 2,501,965 68.41 72.92 7.13 15.043 3548 TRAVELERS GRP 2,211,400 2,224,518 35.29 40.84 6.33 21.384 12 AMERICAN INTL GRP 2,084,459 2,351,807 88.62 102.68 5.97 27.355 176 STATE FARM GRP 2,034,173 1,984,848 64.78 70.26 5.83 33.176 111 LIBERTY MUT GRP 1,993,727 1,925,074 55.48 63.10 5.71 38.88




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 38 CHUBB & SON INC GRP 1,415,719 1,418,895 31.41 32.60 4.05 42.948 36102 STATE INS FUND 1,309,601 1,311,660 92.81 95.47 3.75 46.699 212 ZURICH INS GRP 1,252,542 1,289,514 62.70 65.22 3.59 50.2710 91 HARTFORD FIRE & CAS GRP 909,244 910,479 58.62 69.72 2.60 52.88

**STATE TOTAL** 34,916,584 35,139,312 72.16 80.52 100.00 100.00. .

North Carolina 1 140 NATIONWIDE CORP GRP 1,363,411 1,370,624 56.48 57.39 11.49 11.492 176 STATE FARM GRP 1,083,403 1,058,686 56.19 57.40 9.13 20.623 324 NORTH CAROLINA FARM BUREAU GRP 853,770 837,956 61.30 61.97 7.19 27.814 8 ALLSTATE INS GRP 686,684 694,417 54.38 56.47 5.79 33.605 111 LIBERTY MUT GRP 565,100 587,792 57.47 60.28 4.76 38.366 3548 TRAVELERS GRP 553,926 572,341 35.80 40.55 4.67 43.037 12 AMERICAN INTL GRP 425,758 478,716 95.38 103.84 3.59 46.628 31 BERKSHIRE HATHAWAY GRP 377,506 375,947 65.14 68.89 3.18 49.809 200 UNITED SERV AUTOMOBILE ASSN GRP 368,006 356,493 61.29 62.23 3.10 52.9010 212 ZURICH INS GRP 333,292 356,891 47.93 51.53 2.81 55.71

**STATE TOTAL** 11,866,217 11,969,078 56.36 59.41 100.00 100.00. .

North Dakota 1 WORKFORCE SAFETY & INSURANCE OF ND 185,753 177,412 82.68 84.54 9.73 9.732 471 WELLS FARGO GRP 158,659 159,877 7.08 7.09 8.31 18.053 626 ACE LTD GRP 155,044 141,027 46.25 46.32 8.12 26.174 25240 NAU COUNTRY INS CO 152,608 153,659 23.78 23.78 8.00 34.175 3500 NODAK MUT GRP 107,462 105,106 58.98 60.83 5.63 39.806 176 STATE FARM GRP 90,265 88,078 56.66 57.45 4.73 44.537 473 AMERICAN FAMILY INS GRP 78,221 77,439 52.15 53.82 4.10 48.638 761 ALLIANZ INS GRP 74,038 73,933 39.12 41.37 3.88 52.519 84 AMERICAN FINANCIAL GRP 58,009 58,147 86.34 87.51 3.04 55.5510 155 PROGRESSIVE GRP 42,356 41,708 52.20 53.53 2.22 57.77

**STATE TOTAL** 1,908,394 1,869,176 50.74 52.65 100.00 100.00. .

Ohio 1 OHIO BUREAU OF WORKERS' COMPENSATION 2,469,550 2,469,550 67.51 83.96 16.07 16.072 176 STATE FARM GRP 1,571,391 1,539,748 73.94 75.82 10.23 26.303 140 NATIONWIDE CORP GRP 971,870 976,092 63.07 64.87 6.33 32.634 8 ALLSTATE INS GRP 777,913 784,742 54.15 55.77 5.06 37.695 155 PROGRESSIVE GRP 626,507 632,782 56.39 57.42 4.08 41.776 244 CINCINNATI FIN GRP 582,940 593,371 52.00 57.39 3.79 45.567 111 LIBERTY MUT GRP 562,102 567,398 59.87 63.99 3.66 49.228 267 GRANGE MUT CAS GRP 501,230 494,187 60.72 61.35 3.26 52.499 228 WESTFIELD GRP 485,481 490,511 53.26 56.50 3.16 55.6510 12 AMERICAN INTL GRP 480,390 456,247 49.89 57.84 3.13 58.77

**STATE TOTAL** 15,363,382 15,337,664 59.51 64.96 100.00 100.00. .

Oklahoma 1 176 STATE FARM GRP 738,674 720,568 94.57 96.61 12.58 12.582 212 ZURICH INS GRP 678,215 670,772 76.85 78.93 11.55 24.143 220 OKLAHOMA FARM BUREAU GRP 317,377 309,758 114.85 116.75 5.41 29.544 111 LIBERTY MUT GRP 297,546 294,986 67.21 70.44 5.07 34.615 3548 TRAVELERS GRP 273,877 256,582 72.26 78.37 4.67 39.286 36188 COMPSOURCE OKLAHOMA 263,390 261,898 85.02 89.42 4.49 43.767 8 ALLSTATE INS GRP 250,398 251,276 79.84 81.00 4.27 48.038 12 AMERICAN INTL GRP 231,182 258,119 75.36 90.49 3.94 51.979 155 PROGRESSIVE GRP 154,253 157,472 59.23 61.37 2.63 54.5910 91 HARTFORD FIRE & CAS GRP 148,886 145,087 76.30 81.76 2.54 57.13

**STATE TOTAL** 5,870,539 5,852,556 80.86 84.48 100.00 100.00. .

Oregon 1 176 STATE FARM GRP 645,492 632,624 62.76 65.45 12.61 12.612 212 ZURICH INS GRP 634,902 644,778 55.92 61.17 12.40 25.013 111 LIBERTY MUT GRP 581,805 586,972 53.91 59.23 11.37 36.384 36196 SAIF CORP 312,908 341,705 88.57 93.13 6.11 42.495 8 ALLSTATE INS GRP 249,674 251,532 48.24 50.41 4.88 47.376 155 PROGRESSIVE GRP 217,025 212,830 59.84 61.82 4.24 51.617 3548 TRAVELERS GRP 174,230 170,019 40.39 48.09 3.40 55.018 31 BERKSHIRE HATHAWAY GRP 129,930 130,354 62.53 68.83 2.54 57.559 12 AMERICAN INTL GRP 126,372 145,641 59.97 64.44 2.47 60.0210 473 AMERICAN FAMILY INS GRP 125,679 128,651 69.11 76.75 2.46 62.48

**STATE TOTAL** 5,118,740 5,200,864 59.52 64.50 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Pennsylvania 1 176 STATE FARM GRP 1,994,832 1,965,339 64.22 67.91 10.29 10.29

2 213 ERIE INS GRP 1,670,255 1,661,837 61.61 64.98 8.62 18.913 8 ALLSTATE INS GRP 1,388,049 1,400,664 54.89 56.56 7.16 26.074 140 NATIONWIDE CORP GRP 1,267,878 1,271,839 56.40 58.58 6.54 32.615 3548 TRAVELERS GRP 1,159,178 1,180,850 48.81 56.03 5.98 38.596 111 LIBERTY MUT GRP 1,060,894 1,067,693 58.58 62.57 5.47 44.067 12 AMERICAN INTL GRP 750,658 811,289 52.57 60.87 3.87 47.938 212 ZURICH INS GRP 711,152 707,835 49.72 56.61 3.67 51.609 155 PROGRESSIVE GRP 584,514 581,673 55.08 56.82 3.02 54.6210 31 BERKSHIRE HATHAWAY GRP 528,205 524,074 63.75 69.81 2.72 57.34

**STATE TOTAL** 19,384,670 19,484,731 57.22 63.97 100.00 100.00. .

Rhode Island 1 8 ALLSTATE INS GRP 145,283 142,509 49.18 50.62 7.83 7.832 111 LIBERTY MUT GRP 133,523 133,032 51.28 62.38 7.19 15.023 155 PROGRESSIVE GRP 122,201 124,542 65.87 67.03 6.58 21.614 28 AMICA MUT GRP 105,652 103,355 44.01 44.95 5.69 27.305 3548 TRAVELERS GRP 96,624 98,872 34.22 38.79 5.21 32.506 140 NATIONWIDE CORP GRP 93,133 95,408 61.21 62.96 5.02 37.527 3490 BEACON MUT GRP 91,451 98,767 51.99 54.28 4.93 42.458 241 METROPOLITAN GRP 76,258 76,765 47.34 47.40 4.11 46.569 12 AMERICAN INTL GRP 64,986 67,724 53.61 64.00 3.50 50.0610 31 BERKSHIRE HATHAWAY GRP 62,611 62,524 67.12 71.28 3.37 53.43

**STATE TOTAL** 1,856,029 1,866,942 53.32 58.36 100.00 100.00. .

South Carolina 1 176 STATE FARM GRP 1,012,387 1,009,272 58.18 59.39 15.30 15.302 8 ALLSTATE INS GRP 597,136 601,681 52.68 53.95 9.03 24.333 140 NATIONWIDE CORP GRP 432,566 436,306 57.02 58.93 6.54 30.864 3548 TRAVELERS GRP 380,981 384,040 44.71 47.80 5.76 36.625 111 LIBERTY MUT GRP 349,699 363,319 54.73 59.12 5.29 41.916 200 UNITED SERV AUTOMOBILE ASSN GRP 243,666 238,467 51.15 52.62 3.68 45.597 31 BERKSHIRE HATHAWAY GRP 234,723 233,975 57.14 60.78 3.55 49.148 12 AMERICAN INTL GRP 226,073 249,337 44.82 50.20 3.42 52.569 212 ZURICH INS GRP 224,850 232,431 44.95 49.34 3.40 55.9510 91 HARTFORD FIRE & CAS GRP 181,145 186,521 59.10 68.52 2.74 58.69

**STATE TOTAL** 6,616,363 6,662,688 52.74 56.08 100.00 100.00. .

South Dakota 1 626 ACE LTD GRP 153,016 138,560 33.10 33.23 8.72 8.722 176 STATE FARM GRP 122,872 120,671 60.94 62.55 7.00 15.713 471 WELLS FARGO GRP 122,044 128,925 20.28 20.28 6.95 22.674 473 AMERICAN FAMILY INS GRP 93,729 92,880 64.74 65.83 5.34 28.005 84 AMERICAN FINANCIAL GRP 71,830 73,236 60.37 60.48 4.09 32.106 212 ZURICH INS GRP 61,758 60,462 63.42 65.92 3.52 35.617 25240 NAU COUNTRY INS CO 58,477 60,278 29.73 29.73 3.33 38.948 155 PROGRESSIVE GRP 57,507 56,796 52.86 53.10 3.28 42.229 140 NATIONWIDE CORP GRP 51,483 51,037 52.92 54.48 2.93 45.1510 1285 XL AMER GRP 47,467 48,304 66.02 66.18 2.70 47.86

**STATE TOTAL** 1,755,628 1,751,615 52.15 54.05 100.00 100.00. .

Tennessee 1 176 STATE FARM GRP 1,119,122 1,104,771 69.13 70.78 13.74 13.742 694 TENNESSEE FARMERS GRP 927,694 913,014 83.00 84.71 11.39 25.133 111 LIBERTY MUT GRP 469,667 468,297 59.92 63.22 5.77 30.904 3548 TRAVELERS GRP 433,759 432,001 44.95 49.20 5.33 36.225 8 ALLSTATE INS GRP 373,319 377,061 57.39 58.97 4.58 40.806 212 ZURICH INS GRP 332,171 338,770 68.20 71.06 4.08 44.887 12 AMERICAN INTL GRP 293,881 338,200 51.61 66.01 3.61 48.498 140 NATIONWIDE CORP GRP 282,807 287,265 65.06 67.41 3.47 51.969 31 BERKSHIRE HATHAWAY GRP 197,970 196,333 61.30 65.39 2.43 54.3910 33049 STATE VOLUNTEER MUT INS CO 169,206 168,444 12.25 34.92 2.08 56.47

**STATE TOTAL** 8,145,271 8,157,572 60.79 64.73 100.00 100.00. .

Texas 1 176 STATE FARM GRP 4,731,752 4,648,714 71.24 72.77 13.00 13.002 212 ZURICH INS GRP 3,769,858 3,831,669 52.36 54.53 10.35 23.353 8 ALLSTATE INS GRP 2,464,555 2,481,109 59.91 60.98 6.77 30.124 12 AMERICAN INTL GRP 1,876,231 2,085,237 64.30 71.85 5.15 35.27




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 111 LIBERTY MUT GRP 1,588,129 1,603,791 50.65 54.77 4.36 39.636 3548 TRAVELERS GRP 1,455,119 1,461,007 61.15 66.40 4.00 43.637 200 UNITED SERV AUTOMOBILE ASSN GRP 1,378,341 1,315,743 69.58 70.83 3.79 47.418 155 PROGRESSIVE GRP 1,230,446 1,227,264 59.06 60.05 3.38 50.799 140 NATIONWIDE CORP GRP 1,038,054 1,039,292 68.60 71.33 2.85 53.6410 31 BERKSHIRE HATHAWAY GRP 1,032,821 1,048,524 58.13 60.64 2.84 56.48

**STATE TOTAL** 36,411,674 36,550,785 59.58 63.05 100.00 100.00. .

Utah 1 212 ZURICH INS GRP 375,267 375,837 47.72 49.71 11.22 11.222 176 STATE FARM GRP 314,216 309,475 58.10 59.82 9.39 20.613 8 ALLSTATE INS GRP 267,773 273,373 51.83 52.91 8.01 28.624 1147 WORKERS COMP OF UTAH GRP 172,576 178,941 61.88 71.69 5.16 33.785 3548 TRAVELERS GRP 164,586 163,190 36.57 43.66 4.92 38.706 111 LIBERTY MUT GRP 144,279 148,456 47.15 50.14 4.31 43.017 140 NATIONWIDE CORP GRP 135,920 136,356 53.01 56.49 4.06 47.078 12 AMERICAN INTL GRP 107,912 110,091 71.32 78.07 3.23 50.309 31 BERKSHIRE HATHAWAY GRP 102,434 88,695 60.59 60.52 3.06 53.3610 473 AMERICAN FAMILY INS GRP 100,997 101,577 72.40 76.11 3.02 56.38

**STATE TOTAL** 3,344,922 3,335,704 53.70 57.73 100.00 100.00. .

Vermont 1 111 LIBERTY MUT GRP 106,941 104,285 52.07 55.00 10.11 10.112 155 PROGRESSIVE GRP 50,427 50,370 51.43 51.99 4.77 14.883 3548 TRAVELERS GRP 48,001 48,956 25.90 32.82 4.54 19.414 10541 AGRINATIONAL INS CO 45,857 42,953 35.95 39.59 4.33 23.755 234 VERMONT MUT GRP 45,466 44,218 41.98 43.86 4.30 28.056 18686 CO OPERATIVE INS CO 45,122 44,866 48.31 49.33 4.27 32.317 98 WR BERKLEY CORP GRP 44,800 46,136 36.11 38.95 4.23 36.558 12 AMERICAN INTL GRP 44,116 50,471 80.85 85.61 4.17 40.729 91 HARTFORD FIRE & CAS GRP 43,784 44,772 45.20 49.39 4.14 44.8510 176 STATE FARM GRP 43,383 42,381 65.89 66.85 4.10 48.96

**STATE TOTAL** 1,057,896 1,068,107 45.77 48.84 100.00 100.00. .

Virginia 1 176 STATE FARM GRP 1,156,660 1,127,306 63.78 65.77 11.23 11.232 140 NATIONWIDE CORP GRP 819,845 829,391 55.00 56.57 7.96 19.203 200 UNITED SERV AUTOMOBILE ASSN GRP 697,561 674,334 62.04 63.54 6.78 25.974 31 BERKSHIRE HATHAWAY GRP 680,177 676,200 63.75 66.91 6.61 32.585 3548 TRAVELERS GRP 667,125 671,514 31.33 35.05 6.48 39.066 8 ALLSTATE INS GRP 648,700 659,063 55.12 56.24 6.30 45.367 111 LIBERTY MUT GRP 434,176 434,873 52.33 54.50 4.22 49.588 12 AMERICAN INTL GRP 419,191 462,031 101.39 105.16 4.07 53.659 212 ZURICH INS GRP 384,962 394,651 47.77 50.86 3.74 57.3910 155 PROGRESSIVE GRP 351,198 346,922 58.06 59.17 3.41 60.80

**STATE TOTAL** 10,295,464 10,306,489 57.73 60.38 100.00 100.00. .

Washington 1 WASHINGTON STATE FUND 1,360,533 1,360,533 172.64 186.31 13.31 13.312 212 ZURICH INS GRP 982,295 997,160 56.37 60.18 9.61 22.923 176 STATE FARM GRP 931,873 915,929 61.00 63.41 9.12 32.034 111 LIBERTY MUT GRP 917,760 916,895 48.55 54.25 8.98 41.015 8 ALLSTATE INS GRP 598,350 602,986 54.47 57.52 5.85 46.866 200 UNITED SERV AUTOMOBILE ASSN GRP 346,735 336,570 61.15 63.07 3.39 50.267 157 PUBLIC EMPLOYEES GRP 311,012 311,092 58.23 59.75 3.04 53.308 31 BERKSHIRE HATHAWAY GRP 304,903 308,258 61.29 66.89 2.98 56.289 155 PROGRESSIVE GRP 282,161 279,602 55.83 57.24 2.76 59.0410 12 AMERICAN INTL GRP 281,778 311,199 85.40 93.39 2.76 61.80

**STATE TOTAL** 10,222,801 10,309,987 75.51 81.44 100.00 100.00. .

West Virginia 1 176 STATE FARM GRP 397,259 393,468 62.65 65.97 14.93 14.932 140 NATIONWIDE CORP GRP 332,249 332,610 56.84 58.73 12.48 27.413 12372 BRICKSTREET MUT INS CO 308,951 336,529 65.71 71.80 11.61 39.024 213 ERIE INS GRP 194,950 191,924 59.66 63.47 7.32 46.345 8 ALLSTATE INS GRP 123,859 126,279 59.52 62.06 4.65 51.006 3548 TRAVELERS GRP 110,759 110,876 48.07 60.55 4.16 55.167 228 WESTFIELD GRP 101,485 99,845 56.15 60.48 3.81 58.978 111 LIBERTY MUT GRP 90,730 90,671 57.96 63.40 3.41 62.389 12 AMERICAN INTL GRP 88,696 91,878 36.75 49.48 3.33 65.71




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 91 HARTFORD FIRE & CAS GRP 77,088 76,776 54.49 55.61 2.90 68.61**STATE TOTAL** 2,661,508 2,693,698 60.36 65.14 100.00 100.00

. .Wisconsin 1 473 AMERICAN FAMILY INS GRP 919,213 914,874 59.33 61.03 11.49 11.49

2 176 STATE FARM GRP 558,217 546,109 55.78 57.47 6.98 18.473 111 LIBERTY MUT GRP 345,742 350,405 70.84 79.33 4.32 22.794 3548 TRAVELERS GRP 334,571 344,672 43.34 48.32 4.18 26.985 212 ZURICH INS GRP 324,540 332,704 53.50 59.32 4.06 31.036 1243 WEST BEND MUT GRP 298,734 295,449 52.53 55.22 3.73 34.777 14184 ACUITY A MUT INS CO 292,718 294,965 47.96 47.57 3.66 38.438 155 PROGRESSIVE GRP 262,373 251,876 55.89 57.49 3.28 41.719 12 AMERICAN INTL GRP 261,900 283,516 58.21 65.82 3.27 44.9810 796 QBE INS GRP 250,932 256,238 58.24 61.26 3.14 48.12

**STATE TOTAL** 7,998,941 7,959,848 58.00 61.81 100.00 100.00. .

Wyoming 1 WORKERS' SAFETY & COMP DIV OF WY 240,363 240,363 114.28 116.50 20.93 20.932 176 STATE FARM GRP 119,141 116,702 69.12 70.26 10.38 31.313 212 ZURICH INS GRP 106,158 101,838 70.20 74.20 9.25 40.564 111 LIBERTY MUT GRP 79,662 80,849 41.89 45.36 6.94 47.495 4683 MOUNTAIN WEST FARM GRP 67,266 65,842 62.57 64.75 5.86 53.356 3548 TRAVELERS GRP 58,221 61,063 44.44 48.45 5.07 58.427 155 PROGRESSIVE GRP 46,676 47,517 51.94 53.00 4.07 62.498 140 NATIONWIDE CORP GRP 40,342 40,345 49.08 51.09 3.51 66.009 12 AMERICAN INTL GRP 29,876 31,611 30.61 33.41 2.60 68.6010 31 BERKSHIRE HATHAWAY GRP 23,829 23,822 59.49 63.23 2.08 70.68

**STATE TOTAL** 1,148,186 1,152,592 67.08 70.24 100.00 100.00. .

American Samoa 1 761 ALLIANZ INS GRP 64 13 0.15 75.77 51.20 51.202 65 FM GLOBAL GRP 40 47 1902.75 1929.07 32.56 83.763 4574 CATLIN US INS GRP 10 6 0.00 0.00 8.06 91.824 256 NEW YORK MARINE & GEN GRP 6 14 667.32 653.12 5.03 96.855 98 WR BERKLEY CORP GRP 2 2 41.54 41.54 1.36 98.216 468 AEGON US HOLDING GRP 2 2 22.54 22.54 1.32 99.53

**STATE TOTAL** 124 85 1154.19 1178.22 100.00 100.00. .

Guam 1 4672 DONGBU INS GRP 22,038 23,058 19.96 22.68 18.98 18.982 31658 ISLAND HOME INS CO 20,575 20,736 66.00 67.37 17.72 36.703 13597 CHUNG KUO INS CO LTD 20,544 20,833 38.13 42.12 17.69 54.404 18380 PACIFIC IND INS CO 15,367 15,058 21.08 22.75 13.24 67.635 12633 CENTURY INS CO GU LTD 13,703 8,365 27.97 31.57 11.80 79.436 200 UNITED SERV AUTOMOBILE ASSN GRP 6,511 6,397 42.08 42.52 5.61 85.047 10972 FIRST NET INS CO 6,238 6,040 21.41 24.87 5.37 90.418 626 ACE LTD GRP 2,376 2,803 -3.97 -4.04 2.05 92.469 212 ZURICH INS GRP 2,158 2,025 3.96 5.10 1.86 94.3210 528 MBIA GRP 980 1,065 0.00 0.00 0.84 95.16

**STATE TOTAL** 116,109 112,421 31.62 33.81 100.00 100.00. .

Puerto Rico 1 71 UNIVERSAL INS CO GRP 305,800 316,951 45.90 46.79 16.30 16.302 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 263,751 273,873 36.77 38.78 14.06 30.373 411 MAPFRE INS GRP 238,273 265,101 33.46 36.38 12.70 43.074 10899 ASOC DE SUSCRIPCION CONJUNTA DEL SEG 203,321 203,642 53.67 53.67 10.84 53.915 40568 TRIPLE S PROPIEDAD INC 163,358 167,361 27.45 31.14 8.71 62.626 12 AMERICAN INTL GRP 118,216 130,048 57.54 63.97 6.30 68.937 626 ACE LTD GRP 73,230 70,368 5.74 9.11 3.90 72.838 26778 INTEGRAND ASSUR CO 72,289 71,041 52.21 58.64 3.85 76.689 343 NATIONAL INS CO GRP 57,255 62,417 20.17 26.72 3.05 79.7410 218 CNA INS GRP 55,691 54,153 27.41 33.20 2.97 82.71

**STATE TOTAL** 1,875,537 1,965,891 38.08 41.34 100.00 100.00. .

U.S. Virgin Islands 1 17779 GUARDIAN INS CO INC 20,329 20,320 29.70 31.63 25.16 25.162 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 14,963 14,920 5.65 6.46 18.52 43.673 161 TOPA EQUITIES LTD GRP 9,252 9,280 28.53 33.18 11.45 55.124 626 ACE LTD GRP 8,316 7,607 33.54 49.06 10.29 65.415 35858 COMPANION INC 4,175 0 N/A N/A 5.17 70.586 218 CNA INS GRP 3,271 3,490 53.77 61.96 4.05 74.63




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 111 LIBERTY MUT GRP 2,430 2,494 35.46 44.36 3.01 77.638 200 UNITED SERV AUTOMOBILE ASSN GRP 2,248 2,215 76.93 82.34 2.78 80.419 19 ASSURANT INC GRP 1,591 1,594 -5.95 -5.95 1.97 82.3810 212 ZURICH INS GRP 1,508 1,324 60.85 79.07 1.87 84.25

**STATE TOTAL** 80,810 75,963 28.21 34.10 100.00 100.00. .

N. Mariana Islands 1 31658 ISLAND HOME INS CO 2,618 2,618 60.00 60.00 39.64 39.642 4672 DONGBU INS GRP 1,878 1,905 118.18 131.49 28.43 68.073 10972 FIRST NET INS CO 759 762 25.79 32.32 11.49 79.564 18380 PACIFIC IND INS CO 527 581 25.96 26.43 7.98 87.545 212 ZURICH INS GRP 357 306 5.08 6.81 5.41 92.946 471 WELLS FARGO GRP 247 282 26.42 26.42 3.74 96.697 38 CHUBB & SON INC GRP 114 352 1.22 1.20 1.73 98.418 32450 ATTORNEYS LIAB PROTECTION SOC RRG 49 53 0.02 -7.31 0.75 99.169 200 UNITED SERV AUTOMOBILE ASSN GRP 25 26 14.00 14.10 0.38 99.5410 65 FM GLOBAL GRP 15 15 0.00 0.00 0.23 99.77

**STATE TOTAL** 6,605 6,905 61.87 66.35 100.00 100.00. .

Canada 1 176 STATE FARM GRP 1,823,019 1,775,169 89.60 94.35 45.92 45.922 19 ASSURANT INC GRP 372,758 346,783 19.23 19.23 9.39 55.313 65 FM GLOBAL GRP 369,517 368,139 26.34 27.95 9.31 64.624 761 ALLIANZ INS GRP 241,836 233,338 31.03 34.72 6.09 70.715 3548 TRAVELERS GRP 235,033 243,628 49.30 58.36 5.92 76.636 218 CNA INS GRP 215,396 218,200 44.11 50.46 5.43 82.067 79 GMAC INS HOLDING GRP 150,492 124,207 88.44 92.34 3.79 85.858 111 LIBERTY MUT GRP 149,167 156,502 43.58 52.83 3.76 89.609 181 SWISS RE GRP 84,969 100,629 58.63 61.76 2.14 91.7410 1279 ARCH INS GRP 58,547 52,168 46.13 49.16 1.47 93.22

**STATE TOTAL** 3,969,938 3,898,632 64.34 68.64 100.00 100.00. .

Aggregate Other Alien 1 12 AMERICAN INTL GRP 4,626,820 4,304,796 47.21 48.72 64.75 64.752 626 ACE LTD GRP 445,902 540,978 13.62 -31.59 6.24 70.993 38 CHUBB & SON INC GRP 297,631 296,799 31.10 32.30 4.17 75.164 218 CNA INS GRP 190,252 167,737 103.86 108.87 2.66 77.825 158 FAIRFAX FIN GRP 180,630 167,624 62.01 66.48 2.53 80.356 111 LIBERTY MUT GRP 151,490 140,836 38.62 49.03 2.12 82.477 510 NAVIGATORS GRP 129,887 131,983 62.16 60.59 1.82 84.288 528 MBIA GRP 114,633 170,492 157.62 151.24 1.60 85.899 212 ZURICH INS GRP 95,290 98,149 24.72 25.56 1.33 87.2210 306 CUNA MUT GRP 80,069 62,294 51.07 56.68 1.12 88.34

**STATE TOTAL** 7,145,605 6,929,690 45.57 43.66 100.00 100.00. .




01—Fire



States, U.S. Territories, Canada, and Aggregate Other Alien01-Fire



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 12 AMERICAN INTL GRP 2,059,466 2,207,565 24.35 25.50 16.01 16.012 19 ASSURANT INC GRP 1,323,281 1,271,548 18.28 18.29 10.28 26.293 65 FM GLOBAL GRP 808,305 783,281 25.14 25.52 6.28 32.574 1281 BANKAMERICA CORP GRP 777,234 701,957 11.79 11.81 6.04 38.615 3548 TRAVELERS GRP 751,951 753,010 40.51 42.73 5.84 44.466 212 ZURICH INS GRP 712,029 688,046 50.69 51.39 5.53 49.997 111 LIBERTY MUT GRP 495,314 513,399 54.03 56.22 3.85 53.848 361 MUNICH RE GRP 303,805 293,552 31.35 30.53 2.36 56.209 761 ALLIANZ INS GRP 283,761 273,289 60.33 59.20 2.21 58.4110 280 AUTO OWNERS GRP 234,453 227,875 71.37 73.14 1.82 60.2311 171 GERMANIA INS GRP 189,535 178,365 84.72 84.81 1.47 61.7012 501 ALLEGHANY GRP 170,834 171,997 41.37 42.08 1.33 63.0313 140 NATIONWIDE CORP GRP 169,321 168,317 39.28 40.26 1.32 64.3514 10064 CITIZENS PROP INS CORP 153,480 156,999 86.53 93.58 1.19 65.5415 626 ACE LTD GRP 133,534 129,948 100.76 106.60 1.04 66.5816 1285 XL AMER GRP 129,358 143,664 19.42 21.48 1.01 67.5817 200 UNITED SERV AUTOMOBILE ASSN GRP 121,270 113,111 35.99 36.88 0.94 68.5218 181 SWISS RE GRP 118,509 112,901 43.47 44.30 0.92 69.4519 3416 AXIS CAPITAL GRP 117,924 116,529 23.42 23.71 0.92 70.3620 1279 ARCH INS GRP 104,145 105,466 30.25 32.27 0.81 71.1721 147 HOCHHEIM PRAIRIE GRP 94,697 91,449 73.12 78.54 0.74 71.9122 4509 IRONSHORE GRP 86,148 49,589 43.35 46.90 0.67 72.5823 242 SELECTIVE INS GRP 82,199 81,556 35.76 36.22 0.64 73.2224 31 BERKSHIRE HATHAWAY GRP 81,893 82,479 27.66 31.46 0.64 73.8525 785 MARKEL CORP GRP 78,977 80,435 15.32 16.64 0.61 74.4726 33499 DORINCO REINS CO 78,443 76,079 -30.20 -28.20 0.61 75.0827 98 WR BERKLEY CORP GRP 75,843 78,964 36.28 37.00 0.59 75.6728 175 STATE AUTO MUT GRP 74,057 74,547 58.48 60.26 0.58 76.2429 244 CINCINNATI FIN GRP 73,665 69,821 39.76 41.32 0.57 76.8130 215 UNITRIN GRP 72,123 72,793 38.42 38.40 0.56 77.3731 1342 FARMERS MUT PROTECTION ASSN GRP 61,031 58,897 59.06 59.57 0.47 77.8532 14974 PENNSYLVANIA LUMBERMENS MUT INS 60,431 52,387 56.04 56.18 0.47 78.3233 3239 ALLIED WORLD ASSUR HOLDING GRP 57,730 54,124 13.92 16.01 0.45 78.7734 38 CHUBB & SON INC GRP 55,146 36,538 34.67 33.22 0.43 79.2035 796 QBE INS GRP 54,227 54,876 15.51 17.55 0.42 79.6236 62 EMC INS CO GRP 53,758 53,958 61.54 61.76 0.42 80.0337 1129 WHITE MOUNTAINS GRP 51,057 52,348 9.12 10.11 0.40 80.4338 8 ALLSTATE INS GRP 50,407 58,985 44.27 45.31 0.39 80.8239 408 AMERICAN NATL FIN GRP 48,139 47,520 56.98 57.74 0.37 81.2040 23108 LUMBERMENS UNDERWRITING ALLIANCE 47,883 47,876 73.84 73.76 0.37 81.5741 3098 TOKIO MARINE HOLDINGS INC GRP 46,075 46,747 46.00 48.60 0.36 81.9342 3497 MIRAGE INTERESTS GRP 45,421 44,475 59.05 59.03 0.35 82.2843 517 HANNOVER GRP 43,252 37,006 1.74 8.13 0.34 82.6244 22 ANDOVER GRP 42,381 42,177 21.74 22.54 0.33 82.9545 123 SHELTER INS GRP 40,326 40,194 63.35 64.23 0.31 83.2646 88 THE HANOVER INS GRP 39,877 37,425 78.81 81.25 0.31 83.5747 1278 CALIFORNIA STATE AUTO GRP 37,446 33,734 65.80 67.99 0.29 83.8648 158 FAIRFAX FIN GRP 37,067 51,552 46.14 51.25 0.29 84.1549 12841 AMERICAN INTEGRITY INS CO OF FL 35,642 37,577 22.45 27.19 0.28 84.4350 732 NLASCO GRP 35,596 36,010 25.84 26.15 0.28 84.7051 694 TENNESSEE FARMERS GRP 35,557 34,832 32.20 33.03 0.28 84.9852 1243 WEST BEND MUT GRP 35,377 30,509 50.77 53.15 0.27 85.2553 13757 FARM BUREAU MUT INS CO OF AR INC 35,162 34,536 30.74 31.38 0.27 85.5354 271 PENNSYLVANIA NATL INS GRP 35,115 35,544 26.52 26.13 0.27 85.8055 169 SENTRY INS GRP 34,690 35,219 28.01 31.31 0.27 86.0756 749 SCOR GRP 34,635 33,433 134.68 136.17 0.27 86.3457 LOUISIANA CITIZENS PROPERTY INS. 32,720 32,772 28.30 29.18 0.25 86.5958 248 UNITED FIRE & CAS GRP 32,103 32,558 42.28 43.70 0.25 86.8459 10136 SOUTHERN FIDELITY INS CO INC 30,287 25,800 36.43 36.43 0.24 87.0860 218 CNA INS GRP 29,303 14,008 44.53 47.60 0.23 87.3161 324 NORTH CAROLINA FARM BUREAU GRP 29,108 28,558 47.99 48.27 0.23 87.5362 7 FEDERATED MUT GRP 28,236 28,587 24.06 25.50 0.22 87.7563 3617 FIRST MERCURY FIN GRP 27,995 29,574 55.06 71.91 0.22 87.9764 4636 MAX CAPITAL GRP 27,938 26,661 67.42 64.71 0.22 88.1965 3703 TOWER GRP 27,458 25,409 47.45 48.02 0.21 88.40




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 968 AXA INS GRP 26,544 25,965 73.18 76.25 0.21 88.6167 783 RLI INS GRP 26,480 31,695 40.68 42.37 0.21 88.8168 920 UNITED AMER IND GRP 26,325 26,345 41.25 42.48 0.20 89.0269 91 HARTFORD FIRE & CAS GRP 25,971 30,846 7.78 38.62 0.20 89.2270 1344 ARX HOLDING CORP GRP 23,636 22,305 13.56 14.09 0.18 89.4071 213 ERIE INS GRP 23,275 21,873 51.31 57.48 0.18 89.5872 308 PHILADELPHIA CONTRIBUTIONSHIP GRP 21,557 21,708 56.13 56.74 0.17 89.7573 3786 ENDURANCE GRP 20,772 16,608 39.38 42.81 0.16 89.9174 586 ARBELLA INS GRP 20,764 19,982 38.17 39.82 0.16 90.0775 4674 BARRINGTON CAPITAL GRP 20,422 20,924 28.91 31.25 0.16 90.2376 4663 UNIVERSAL INS HOLDING GRP 20,221 19,074 34.57 35.28 0.16 90.3977 316 NATIONAL SECURITY GRP 19,969 22,101 36.24 36.21 0.16 90.5478 748 MEADOWBROOK INS GRP 19,770 21,203 43.87 46.17 0.15 90.7079 34029 MICHIGAN BASIC PROP INS ASSN 19,533 20,859 80.88 82.00 0.15 90.8580 2538 AMTRUST FINANCIAL SERV GRP 18,506 18,878 46.98 49.06 0.14 90.9981 14184 ACUITY A MUT INS CO 18,096 18,433 47.01 46.49 0.14 91.1382 71 UNIVERSAL INS CO GRP 17,767 15,332 36.85 39.02 0.14 91.2783 70 FIRST AMER TITLE GRP 17,603 17,727 30.81 32.82 0.14 91.4184 125 PENN MILLER GRP 16,878 16,700 73.48 73.71 0.13 91.5485 10717 ASPEN SPECIALTY INS CO 16,012 6,040 19.40 23.97 0.12 91.6686 256 NEW YORK MARINE & GEN GRP 15,864 14,761 51.15 54.41 0.12 91.7987 3489 DELEK GRP 15,752 15,995 41.04 41.56 0.12 91.9188 4684 MAIDEN HOLDINGS GRP 15,623 19,122 58.19 59.17 0.12 92.0389 561 GEORGIA FARM BUREAU GRP 15,320 15,066 58.03 58.26 0.12 92.1590 267 GRANGE MUT CAS GRP 14,612 14,139 45.73 46.09 0.11 92.2691 84 AMERICAN FINANCIAL GRP 14,143 13,459 73.36 79.81 0.11 92.3792 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 13,665 12,969 14.96 16.80 0.11 92.4893 4672 DONGBU INS GRP 13,559 13,704 2.56 3.25 0.11 92.5994 1120 EVEREST REINS HOLDINGS GRP 13,511 11,785 -0.09 -0.01 0.11 92.6995 963 OHIO MUT GRP 13,476 13,236 60.63 60.95 0.10 92.8096 816 COMMERCE INC GRP 13,373 12,836 34.49 35.69 0.10 92.9097 483 SOUTHERN FARM BUREAU CAS GRP 13,143 13,381 43.04 43.02 0.10 93.0098 12247 SOUTHERN OAK INS CO 13,102 12,562 22.09 28.03 0.10 93.1099 10117 SECURITY FIRST INS CO 13,076 11,305 19.38 20.96 0.10 93.20100 176 STATE FARM GRP 12,916 13,024 131.67 140.35 0.10 93.31101 228 WESTFIELD GRP 12,738 12,870 42.56 42.81 0.10 93.40102 5 ALFA INS GRP 12,534 12,479 81.89 81.90 0.10 93.50103 11118 FEDERATED RURAL ELECTRIC INS EXCH 11,846 11,406 28.01 28.14 0.09 93.59104 234 VERMONT MUT GRP 11,841 11,181 48.00 47.99 0.09 93.69105 26905 CENTURY NATL INS CO 11,620 11,777 34.50 38.05 0.09 93.78106 12877 GERMAN AMER FARM MUT 11,593 10,268 50.04 50.04 0.09 93.87107 323 CIVIL SERV EMPLOYEE GRP 11,537 11,084 55.66 56.27 0.09 93.96108 809 TEXAS FARM BUREAU MUT GRP 11,273 11,131 46.66 46.74 0.09 94.04109 698 NORTH STAR CO GRP 10,342 10,321 28.77 28.87 0.08 94.12110 474 FCCI MUT INS GRP 10,151 8,875 5.79 5.83 0.08 94.20111 10969 UNITED PROP & CAS INS CO 10,080 10,693 36.46 41.19 0.08 94.28112 253 HARLEYSVILLE GRP 9,994 9,834 41.72 43.32 0.08 94.36113 1318 AUTO CLUB ENTERPRISES INS GRP 9,688 8,544 42.68 44.88 0.08 94.43114 31186 BALDWIN MUT INS CO 9,618 9,958 57.99 60.57 0.07 94.51115 762 FRANKLIN MUT GRP 9,573 9,387 17.34 15.78 0.07 94.58116 10908 CAPITOL PREFERRED INS CO 9,517 9,029 44.54 44.54 0.07 94.66117 10374 ERIE & NIAGRA INS ASSOC 9,436 9,543 28.68 29.89 0.07 94.73118 36 CENTRAL MUT INS CO GRP 9,148 9,054 31.76 31.76 0.07 94.80119 50 COUNTRY INS & FIN SERV GRP 9,075 9,141 8.96 9.36 0.07 94.87120 37540 BEAZLEY INS CO INC 8,912 7,578 90.19 96.76 0.07 94.94121 802 CAPITAL INS GRP 8,838 8,491 32.66 34.04 0.07 95.01122 291 MOTORISTS MUT GRP 8,446 8,123 39.01 39.56 0.07 95.08123 1169 GENERALI GRP 8,298 6,696 24.54 29.05 0.06 95.14124 660 MERCURY GEN GRP 8,258 7,971 49.79 51.10 0.06 95.20125 3219 SOMPO JAPAN INS GRP 8,120 7,474 30.43 29.71 0.06 95.27

**INDUSTRY TOTAL** 12,866,796 12,695,038 36.59 37.87 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 12 AMERICAN INTL GRP 24,286 27,693 89.02 87.92 13.09 13.092 19 ASSURANT INC GRP 12,972 10,572 35.93 35.93 6.99 20.093 212 ZURICH INS GRP 12,470 11,219 51.07 51.61 6.72 26.814 280 AUTO OWNERS GRP 11,661 11,666 78.94 80.62 6.29 33.095 5 ALFA INS GRP 10,583 10,522 87.47 87.49 5.71 38.806 65 FM GLOBAL GRP 9,655 9,432 5.27 5.56 5.20 44.007 31186 BALDWIN MUT INS CO 9,618 9,958 57.99 60.57 5.18 49.198 3548 TRAVELERS GRP 9,480 10,190 46.71 48.82 5.11 54.309 361 MUNICH RE GRP 7,604 7,389 22.16 22.99 4.10 58.4010 316 NATIONAL SECURITY GRP 7,466 8,791 38.25 38.21 4.02 62.42

**STATE TOTAL** 185,500 185,708 47.81 48.33 100.00 100.00. .

Alaska 1 12 AMERICAN INTL GRP 4,795 4,854 55.00 55.17 14.81 14.812 65 FM GLOBAL GRP 2,903 2,617 -0.77 -0.86 8.97 23.783 626 ACE LTD GRP 2,786 2,412 46.16 47.33 8.61 32.384 40126 UMIALIK INS CO 2,588 2,587 29.14 29.49 8.00 40.385 16926 ARECA INS EXCH 2,186 2,080 5.63 5.63 6.75 47.136 38733 ALASKA NATL INS CO 1,963 2,094 -17.14 -17.61 6.06 53.207 19 ASSURANT INC GRP 1,961 1,288 19.91 20.42 6.06 59.258 3548 TRAVELERS GRP 1,904 1,742 77.33 77.53 5.88 65.149 200 UNITED SERV AUTOMOBILE ASSN GRP 1,386 1,305 81.50 82.82 4.28 69.4210 501 ALLEGHANY GRP 1,215 1,198 11.24 10.88 3.75 73.17

**STATE TOTAL** 32,373 31,076 15.41 10.50 100.00 100.00. .

Arizona 1 19 ASSURANT INC GRP 23,983 24,813 15.29 15.44 17.21 17.212 12 AMERICAN INTL GRP 16,688 18,354 253.78 258.63 11.98 29.193 3548 TRAVELERS GRP 11,652 11,076 17.19 18.55 8.36 37.554 212 ZURICH INS GRP 8,905 8,174 14.98 15.44 6.39 43.945 1281 BANKAMERICA CORP GRP 8,305 6,484 12.72 12.91 5.96 49.906 65 FM GLOBAL GRP 8,180 7,626 18.99 19.35 5.87 55.777 111 LIBERTY MUT GRP 8,125 8,340 22.64 23.97 5.83 61.618 280 AUTO OWNERS GRP 5,874 5,956 30.89 32.53 4.22 65.829 361 MUNICH RE GRP 4,399 4,118 25.38 25.73 3.16 68.9810 140 NATIONWIDE CORP GRP 4,368 4,442 9.56 10.51 3.14 72.11

**STATE TOTAL** 139,333 135,755 53.17 54.35 100.00 100.00. .

Arkansas 1 13757 FARM BUREAU MUT INS CO OF AR INC 35,162 34,536 30.74 31.38 26.79 26.792 3548 TRAVELERS GRP 9,330 8,266 123.67 126.22 7.11 33.903 123 SHELTER INS GRP 7,923 8,002 81.34 82.43 6.04 39.934 12 AMERICAN INTL GRP 7,628 8,523 142.84 143.63 5.81 45.745 65 FM GLOBAL GRP 6,358 5,969 266.62 268.92 4.84 50.596 19 ASSURANT INC GRP 5,638 5,274 54.98 54.98 4.30 54.887 212 ZURICH INS GRP 4,750 4,513 54.10 52.16 3.62 58.508 361 MUNICH RE GRP 3,997 3,755 24.31 22.88 3.05 61.559 215 UNITRIN GRP 3,398 3,415 63.93 63.91 2.59 64.1310 111 LIBERTY MUT GRP 3,322 3,665 1023.29 1048.14 2.53 66.66

**STATE TOTAL** 131,263 128,400 93.70 95.11 100.00 100.00. .

California 1 12 AMERICAN INTL GRP 275,659 282,247 31.90 32.81 17.82 17.822 1281 BANKAMERICA CORP GRP 216,058 228,206 11.21 11.20 13.97 31.793 19 ASSURANT INC GRP 190,390 195,318 15.04 15.03 12.31 44.104 212 ZURICH INS GRP 170,690 169,515 63.92 65.86 11.04 55.135 111 LIBERTY MUT GRP 81,754 81,813 37.81 39.28 5.29 60.426 3548 TRAVELERS GRP 70,849 73,875 36.68 38.92 4.58 65.007 65 FM GLOBAL GRP 62,339 61,239 1.13 0.99 4.03 69.038 140 NATIONWIDE CORP GRP 44,656 42,589 38.28 39.19 2.89 71.929 761 ALLIANZ INS GRP 35,463 34,048 20.26 20.98 2.29 74.2110 785 MARKEL CORP GRP 32,910 33,201 15.53 16.72 2.13 76.34

**STATE TOTAL** 1,546,771 1,553,841 31.44 33.22 100.00 100.00. .

Colorado 1 12 AMERICAN INTL GRP 30,983 30,584 16.31 16.42 20.14 20.142 1281 BANKAMERICA CORP GRP 28,339 27,364 7.72 7.58 18.43 38.573 19 ASSURANT INC GRP 14,258 13,732 12.64 12.64 9.27 47.844 3548 TRAVELERS GRP 10,841 10,876 12.19 12.42 7.05 54.895 65 FM GLOBAL GRP 8,473 7,575 1.81 1.82 5.51 60.40




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 212 ZURICH INS GRP 7,451 6,564 63.44 63.73 4.84 65.247 111 LIBERTY MUT GRP 7,187 7,034 41.33 40.90 4.67 69.918 501 ALLEGHANY GRP 4,116 4,130 9.02 9.03 2.68 72.599 361 MUNICH RE GRP 3,261 3,151 33.40 34.22 2.12 74.7110 761 ALLIANZ INS GRP 2,900 2,664 8.35 9.80 1.89 76.60

**STATE TOTAL** 153,806 147,951 24.88 26.76 100.00 100.00. .

Connecticut 1 12 AMERICAN INTL GRP 17,539 16,174 4.62 4.98 14.46 14.462 65 FM GLOBAL GRP 13,531 15,692 21.43 21.44 11.15 25.613 111 LIBERTY MUT GRP 11,627 11,886 89.41 91.86 9.58 35.204 19 ASSURANT INC GRP 10,534 9,964 37.73 37.73 8.68 43.885 3548 TRAVELERS GRP 7,344 7,236 22.30 26.07 6.05 49.936 212 ZURICH INS GRP 5,634 5,019 55.37 55.88 4.64 54.587 361 MUNICH RE GRP 4,427 3,329 57.09 56.69 3.65 58.238 50 COUNTRY INS & FIN SERV GRP 4,181 3,876 1.60 1.67 3.45 61.679 787 NEW LONDON CNTY GRP 4,175 4,377 28.37 27.72 3.44 65.1110 1281 BANKAMERICA CORP GRP 3,853 2,957 32.02 32.18 3.18 68.29

**STATE TOTAL** 121,308 118,025 34.45 35.74 100.00 100.00. .

Delaware 1 19 ASSURANT INC GRP 3,081 2,653 30.18 30.18 13.55 13.552 12 AMERICAN INTL GRP 2,243 2,214 -3.57 -3.01 9.87 23.423 3548 TRAVELERS GRP 2,090 2,113 -1.35 -0.11 9.19 32.614 408 AMERICAN NATL FIN GRP 1,655 1,654 57.81 58.06 7.28 39.895 212 ZURICH INS GRP 1,642 1,264 35.36 36.10 7.22 47.116 140 NATIONWIDE CORP GRP 1,166 1,163 54.52 54.82 5.13 52.247 65 FM GLOBAL GRP 976 967 784.57 798.81 4.29 56.538 111 LIBERTY MUT GRP 827 889 31.53 32.42 3.64 60.179 242 SELECTIVE INS GRP 721 751 -19.33 -19.31 3.17 63.3410 761 ALLIANZ INS GRP 669 650 2.34 2.87 2.94 66.28

**STATE TOTAL** 22,738 21,829 65.70 67.75 100.00 100.00. .

District of Columbia 1 12 AMERICAN INTL GRP 8,775 8,526 14.19 14.60 24.29 24.292 65 FM GLOBAL GRP 5,772 5,164 5.30 5.42 15.98 40.283 3548 TRAVELERS GRP 5,435 5,108 -7.41 -6.75 15.05 55.324 19 ASSURANT INC GRP 2,406 2,487 0.09 0.09 6.66 61.985 212 ZURICH INS GRP 2,220 1,906 9.76 9.73 6.15 68.136 111 LIBERTY MUT GRP 1,188 1,255 24.78 24.32 3.29 71.427 200 UNITED SERV AUTOMOBILE ASSN GRP 989 937 20.17 20.38 2.74 74.168 761 ALLIANZ INS GRP 841 906 2.21 2.77 2.33 76.499 501 ALLEGHANY GRP 826 810 15.12 15.15 2.29 78.7710 1281 BANKAMERICA CORP GRP 689 571 2.50 2.49 1.91 80.68

**STATE TOTAL** 36,119 34,067 6.99 7.49 100.00 100.00. .

Florida 1 19 ASSURANT INC GRP 302,952 278,390 12.33 12.33 18.26 18.262 12 AMERICAN INTL GRP 234,154 243,237 6.23 6.46 14.12 32.383 1281 BANKAMERICA CORP GRP 227,788 192,763 6.60 6.68 13.73 46.114 10064 CITIZENS PROP INS CORP 153,480 156,999 86.53 93.58 9.25 55.365 212 ZURICH INS GRP 48,863 48,032 9.21 9.72 2.95 58.316 111 LIBERTY MUT GRP 47,543 54,703 7.33 7.65 2.87 61.177 3548 TRAVELERS GRP 42,989 43,319 11.21 12.82 2.59 63.778 65 FM GLOBAL GRP 36,492 34,987 15.47 15.48 2.20 65.979 12841 AMERICAN INTEGRITY INS CO OF FL 35,642 37,577 22.45 27.19 2.15 68.1110 501 ALLEGHANY GRP 35,494 36,653 95.22 96.75 2.14 70.25

**STATE TOTAL** 1,658,834 1,605,718 23.19 24.60 100.00 100.00. .

Georgia 1 12 AMERICAN INTL GRP 39,046 40,700 -5.86 -5.76 12.28 12.282 19 ASSURANT INC GRP 35,000 32,828 31.81 31.85 11.01 23.293 3548 TRAVELERS GRP 24,369 23,330 41.99 44.69 7.66 30.954 212 ZURICH INS GRP 20,745 19,528 83.08 84.06 6.52 37.485 65 FM GLOBAL GRP 19,669 18,325 7.15 7.30 6.19 43.676 280 AUTO OWNERS GRP 16,826 15,833 146.25 148.42 5.29 48.967 111 LIBERTY MUT GRP 16,249 15,834 91.71 96.10 5.11 54.078 561 GEORGIA FARM BUREAU GRP 15,320 15,066 58.03 58.26 4.82 58.899 1281 BANKAMERICA CORP GRP 12,630 9,365 18.82 18.86 3.97 62.8610 361 MUNICH RE GRP 10,826 10,146 30.04 29.03 3.41 66.27




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 317,931 302,759 43.87 48.83 100.00 100.00. .

Hawaii 1 12 AMERICAN INTL GRP 22,396 19,079 -9.92 -10.53 29.93 29.932 218 CNA INS GRP 5,165 4,433 0.81 -0.01 6.90 36.833 212 ZURICH INS GRP 4,078 3,520 5.46 5.46 5.45 42.284 4672 DONGBU INS GRP 3,903 4,271 6.55 8.16 5.22 47.495 19 ASSURANT INC GRP 3,806 3,497 2.63 2.60 5.09 52.586 4576 GNW ACQUSITION CORP GRO 2,725 2,687 14.07 15.06 3.64 56.227 626 ACE LTD GRP 2,549 2,752 47.94 60.35 3.41 59.638 111 LIBERTY MUT GRP 2,315 2,297 2.86 1.52 3.09 62.729 106 ISLAND INS CO GRP 2,263 2,221 8.38 8.56 3.02 65.7510 783 RLI INS GRP 1,829 1,945 54.46 53.48 2.44 68.19

**STATE TOTAL** 74,833 72,522 5.59 6.07 100.00 100.00. .

Idaho 1 19 ASSURANT INC GRP 3,399 3,061 31.17 31.17 11.24 11.242 65 FM GLOBAL GRP 3,395 3,389 48.51 48.51 11.23 22.473 3548 TRAVELERS GRP 2,805 2,728 26.00 34.13 9.28 31.754 111 LIBERTY MUT GRP 2,398 2,510 483.03 485.67 7.93 39.685 12 AMERICAN INTL GRP 2,331 1,850 5.74 5.95 7.71 47.396 761 ALLIANZ INS GRP 1,468 1,332 -7.16 -6.59 4.86 52.247 212 ZURICH INS GRP 1,331 1,318 45.00 45.44 4.40 56.658 1281 BANKAMERICA CORP GRP 1,096 810 10.11 10.18 3.63 60.279 140 NATIONWIDE CORP GRP 1,053 1,098 18.74 19.21 3.48 63.7510 181 SWISS RE GRP 554 537 12.40 14.32 1.83 65.59

**STATE TOTAL** 30,236 28,473 66.08 67.90 100.00 100.00. .

Illinois 1 19 ASSURANT INC GRP 60,904 59,055 22.13 22.13 15.77 15.772 12 AMERICAN INTL GRP 59,123 60,946 22.39 22.51 15.31 31.083 65 FM GLOBAL GRP 29,334 28,175 41.71 41.99 7.60 38.684 3548 TRAVELERS GRP 28,636 28,276 23.53 24.85 7.42 46.105 1281 BANKAMERICA CORP GRP 25,692 19,678 21.01 21.11 6.65 52.756 212 ZURICH INS GRP 22,072 20,651 83.16 84.18 5.72 58.477 111 LIBERTY MUT GRP 16,558 17,747 32.73 33.36 4.29 62.758 280 AUTO OWNERS GRP 10,156 9,878 104.26 105.23 2.63 65.399 761 ALLIANZ INS GRP 9,976 9,647 65.57 69.92 2.58 67.9710 1243 WEST BEND MUT GRP 8,334 7,584 54.50 55.04 2.16 70.13

**STATE TOTAL** 386,136 375,095 47.96 49.40 100.00 100.00. .

Indiana 1 12 AMERICAN INTL GRP 39,142 37,718 18.88 18.96 18.19 18.192 19 ASSURANT INC GRP 21,034 20,127 22.70 22.72 9.78 27.973 280 AUTO OWNERS GRP 18,553 18,145 65.34 67.33 8.62 36.594 3548 TRAVELERS GRP 12,543 11,717 156.28 160.09 5.83 42.425 65 FM GLOBAL GRP 11,934 11,316 32.95 33.33 5.55 47.966 212 ZURICH INS GRP 9,088 9,175 54.30 54.45 4.22 52.197 111 LIBERTY MUT GRP 8,471 8,868 37.98 38.80 3.94 56.128 1281 BANKAMERICA CORP GRP 6,767 5,311 17.55 17.66 3.14 59.279 761 ALLIANZ INS GRP 6,117 5,652 -68.53 -82.06 2.84 62.1110 361 MUNICH RE GRP 5,782 5,257 34.62 32.93 2.69 64.80

**STATE TOTAL** 215,175 206,911 38.04 38.35 100.00 100.00. .

Iowa 1 62 EMC INS CO GRP 6,538 6,583 18.85 18.74 8.83 8.832 3548 TRAVELERS GRP 6,438 5,567 6.06 6.63 8.70 17.533 65 FM GLOBAL GRP 5,729 5,688 -0.22 0.23 7.74 25.264 280 AUTO OWNERS GRP 5,592 5,519 68.56 70.90 7.55 32.825 12 AMERICAN INTL GRP 4,053 4,003 155.42 158.93 5.47 38.296 19 ASSURANT INC GRP 3,878 3,675 11.83 11.84 5.24 43.537 212 ZURICH INS GRP 3,550 3,805 -455.86 -455.38 4.79 48.328 1243 WEST BEND MUT GRP 3,348 3,072 124.38 129.61 4.52 52.849 140 NATIONWIDE CORP GRP 3,150 3,152 50.99 52.04 4.25 57.1010 248 UNITED FIRE & CAS GRP 3,118 3,107 47.89 49.62 4.21 61.31

**STATE TOTAL** 74,043 71,485 17.73 18.65 100.00 100.00. .

Kansas 1 12 AMERICAN INTL GRP 11,272 11,239 0.99 1.18 13.05 13.052 3548 TRAVELERS GRP 9,489 9,166 47.15 49.07 10.99 24.043 62 EMC INS CO GRP 7,696 7,498 26.59 26.35 8.91 32.96




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 65 FM GLOBAL GRP 5,030 5,128 0.05 7.43 5.83 38.785 19 ASSURANT INC GRP 4,383 3,979 24.94 24.94 5.08 43.866 111 LIBERTY MUT GRP 3,917 4,039 35.22 37.34 4.54 48.407 212 ZURICH INS GRP 3,555 3,346 44.33 43.27 4.12 52.518 761 ALLIANZ INS GRP 2,669 1,892 5.45 6.58 3.09 55.619 807 COLUMBIA INS GRP 2,615 2,762 42.42 42.47 3.03 58.6310 968 AXA INS GRP 1,913 1,521 -4.73 -2.97 2.22 60.85

**STATE TOTAL** 86,343 82,180 34.17 35.68 100.00 100.00. .

Kentucky 1 12 AMERICAN INTL GRP 14,261 15,532 213.62 217.38 12.90 12.902 65 FM GLOBAL GRP 10,433 10,621 -3.28 -3.54 9.44 22.343 111 LIBERTY MUT GRP 8,072 8,101 88.43 91.01 7.30 29.644 19 ASSURANT INC GRP 7,489 7,384 31.47 31.40 6.77 36.415 212 ZURICH INS GRP 6,341 5,834 59.75 60.85 5.74 42.156 3548 TRAVELERS GRP 6,273 6,094 21.61 22.80 5.67 47.827 280 AUTO OWNERS GRP 6,008 5,753 107.54 115.58 5.43 53.258 175 STATE AUTO MUT GRP 4,820 4,866 21.48 22.51 4.36 57.619 361 MUNICH RE GRP 3,673 3,549 43.22 41.87 3.32 60.9410 761 ALLIANZ INS GRP 3,154 3,066 27.15 27.94 2.85 63.79

**STATE TOTAL** 110,557 109,991 71.15 72.97 100.00 100.00. .

Louisiana 1 12 AMERICAN INTL GRP 53,970 53,926 10.92 11.04 18.01 18.012 LOUISIANA CITIZENS PROPERTY INS. 32,720 32,772 28.30 29.18 10.92 28.933 212 ZURICH INS GRP 18,483 18,858 59.38 60.02 6.17 35.104 33499 DORINCO REINS CO 17,555 16,728 -100.19 -94.91 5.86 40.965 19 ASSURANT INC GRP 15,999 14,746 35.32 35.32 5.34 46.306 361 MUNICH RE GRP 12,362 12,115 34.93 33.19 4.13 50.427 3548 TRAVELERS GRP 10,597 10,990 9.02 5.24 3.54 53.968 111 LIBERTY MUT GRP 10,248 9,884 -56.36 -63.05 3.42 57.389 501 ALLEGHANY GRP 10,200 10,529 21.26 19.83 3.40 60.7810 65 FM GLOBAL GRP 8,385 7,790 11.85 25.71 2.80 63.58

**STATE TOTAL** 299,656 289,339 19.85 20.45 100.00 100.00. .

Maine 1 212 ZURICH INS GRP 3,242 3,136 74.40 75.45 7.82 7.822 19 ASSURANT INC GRP 3,102 2,740 28.57 28.57 7.49 15.313 22 ANDOVER GRP 2,668 2,678 24.55 24.89 6.44 21.754 65 FM GLOBAL GRP 2,551 2,464 4.68 4.58 6.16 27.905 408 AMERICAN NATL FIN GRP 2,526 2,479 49.58 49.85 6.10 34.006 3416 AXIS CAPITAL GRP 2,468 2,527 36.63 37.29 5.96 39.967 3548 TRAVELERS GRP 2,393 2,279 20.51 22.18 5.77 45.738 111 LIBERTY MUT GRP 2,139 2,561 21.72 24.82 5.16 50.899 12 AMERICAN INTL GRP 1,892 1,700 5.52 5.82 4.57 55.4610 1129 WHITE MOUNTAINS GRP 1,865 1,999 15.96 16.33 4.50 59.96

**STATE TOTAL** 41,436 39,747 41.38 42.15 100.00 100.00. .

Maryland 1 12 AMERICAN INTL GRP 27,159 28,293 3.53 3.73 17.51 17.512 19 ASSURANT INC GRP 22,010 20,648 18.00 18.00 14.19 31.713 3548 TRAVELERS GRP 14,580 14,765 73.32 76.42 9.40 41.114 212 ZURICH INS GRP 9,863 9,788 18.09 18.33 6.36 47.475 65 FM GLOBAL GRP 9,278 8,253 33.52 33.77 5.98 53.466 111 LIBERTY MUT GRP 7,012 6,795 52.91 55.84 4.52 57.987 1281 BANKAMERICA CORP GRP 6,312 4,930 17.24 17.33 4.07 62.058 242 SELECTIVE INS GRP 4,838 4,944 13.15 13.65 3.12 65.179 200 UNITED SERV AUTOMOBILE ASSN GRP 4,352 4,085 22.68 23.33 2.81 67.9710 361 MUNICH RE GRP 4,149 3,566 22.96 22.60 2.68 70.65

**STATE TOTAL** 155,063 149,891 29.64 30.66 100.00 100.00. .

Massachusetts 1 12 AMERICAN INTL GRP 42,630 39,418 17.13 18.43 14.20 14.202 65 FM GLOBAL GRP 30,367 28,791 -13.05 -11.41 10.12 24.323 586 ARBELLA INS GRP 19,571 18,845 39.78 41.48 6.52 30.844 3548 TRAVELERS GRP 18,177 19,157 -44.02 -41.99 6.06 36.905 19 ASSURANT INC GRP 16,709 16,378 15.19 15.19 5.57 42.476 22 ANDOVER GRP 14,870 14,994 32.79 33.49 4.95 47.427 88 THE HANOVER INS GRP 14,110 14,989 72.40 78.20 4.70 52.138 212 ZURICH INS GRP 11,892 12,347 25.85 27.00 3.96 56.09




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 816 COMMERCE INC GRP 11,581 11,163 26.35 27.65 3.86 59.9510 111 LIBERTY MUT GRP 11,337 11,478 26.53 25.05 3.78 63.72

**STATE TOTAL** 300,109 291,265 21.12 22.42 100.00 100.00. .

Michigan 1 280 AUTO OWNERS GRP 57,355 55,727 61.38 62.91 16.71 16.712 19 ASSURANT INC GRP 38,143 38,903 33.19 33.19 11.11 27.823 12 AMERICAN INTL GRP 37,229 37,807 -32.63 -31.78 10.84 38.664 1281 BANKAMERICA CORP GRP 33,310 31,768 18.97 18.88 9.70 48.365 34029 MICHIGAN BASIC PROP INS ASSN 19,533 20,859 80.88 82.00 5.69 54.056 212 ZURICH INS GRP 18,497 18,186 60.30 62.73 5.39 59.447 65 FM GLOBAL GRP 13,640 12,874 16.48 16.47 3.97 63.418 3548 TRAVELERS GRP 12,874 13,360 31.41 32.92 3.75 67.169 361 MUNICH RE GRP 8,846 7,989 44.25 43.10 2.58 69.7410 761 ALLIANZ INS GRP 8,810 7,127 -5.54 -6.85 2.57 72.30

**STATE TOTAL** 343,332 338,741 40.15 41.57 100.00 100.00. .

Minnesota 1 19 ASSURANT INC GRP 13,467 14,138 15.06 15.06 9.06 9.062 3548 TRAVELERS GRP 12,047 12,426 9.26 9.43 8.10 17.163 280 AUTO OWNERS GRP 11,223 10,753 46.26 45.08 7.55 24.704 12 AMERICAN INTL GRP 10,467 11,050 50.01 52.15 7.04 31.745 65 FM GLOBAL GRP 10,000 9,736 46.24 47.13 6.72 38.476 212 ZURICH INS GRP 6,210 5,967 60.69 62.96 4.18 42.647 111 LIBERTY MUT GRP 5,847 5,836 16.22 15.68 3.93 46.578 698 NORTH STAR CO GRP 5,591 5,433 33.23 33.26 3.76 50.339 11186 FAIRMONT FARMERS MUT INS CO 4,712 4,644 79.49 79.49 3.17 53.5010 1243 WEST BEND MUT GRP 4,626 3,822 59.60 64.32 3.11 56.61

**STATE TOTAL** 148,711 145,447 33.14 33.69 100.00 100.00. .

Mississippi 1 12 AMERICAN INTL GRP 18,476 18,733 0.87 0.95 13.93 13.932 483 SOUTHERN FARM BUREAU CAS GRP 10,515 10,640 46.18 46.10 7.93 21.873 19 ASSURANT INC GRP 9,943 9,000 42.47 42.72 7.50 29.364 3548 TRAVELERS GRP 9,401 10,257 -13.97 -13.24 7.09 36.455 212 ZURICH INS GRP 8,086 7,585 36.21 36.72 6.10 42.556 111 LIBERTY MUT GRP 7,792 7,786 14.70 10.84 5.88 48.437 361 MUNICH RE GRP 5,883 5,837 44.30 42.97 4.44 52.878 501 ALLEGHANY GRP 5,741 6,283 44.38 45.32 4.33 57.209 215 UNITRIN GRP 5,140 5,121 42.70 42.62 3.88 61.0710 65 FM GLOBAL GRP 5,126 5,163 89.68 104.93 3.87 64.94

**STATE TOTAL** 132,590 131,500 30.02 30.72 100.00 100.00. .

Missouri 1 12 AMERICAN INTL GRP 33,333 35,242 -1.71 -0.48 17.34 17.342 3548 TRAVELERS GRP 15,530 14,722 47.94 49.59 8.08 25.423 19 ASSURANT INC GRP 14,023 13,577 36.93 36.98 7.30 32.724 65 FM GLOBAL GRP 13,445 13,261 76.07 76.68 6.99 39.715 212 ZURICH INS GRP 12,534 11,123 36.63 37.30 6.52 46.236 123 SHELTER INS GRP 12,099 12,135 55.22 56.41 6.29 52.537 111 LIBERTY MUT GRP 11,593 11,907 103.69 106.58 6.03 58.568 1281 BANKAMERICA CORP GRP 6,607 5,155 22.88 23.03 3.44 62.009 361 MUNICH RE GRP 5,014 4,918 34.52 33.57 2.61 64.6110 280 AUTO OWNERS GRP 4,575 4,617 50.57 51.03 2.38 66.99

**STATE TOTAL** 192,209 187,169 48.77 50.24 100.00 100.00. .

Montana 1 111 LIBERTY MUT GRP 2,689 2,529 55.05 54.87 10.28 10.282 3548 TRAVELERS GRP 2,525 2,402 25.88 22.15 9.66 19.943 212 ZURICH INS GRP 1,757 1,443 26.48 26.82 6.72 26.664 65 FM GLOBAL GRP 1,458 1,386 0.00 0.00 5.58 32.235 62 EMC INS CO GRP 1,361 1,371 154.60 154.86 5.20 37.446 19 ASSURANT INC GRP 1,339 1,130 30.24 30.26 5.12 42.567 12 AMERICAN INTL GRP 1,219 1,206 42.19 42.24 4.66 47.228 761 ALLIANZ INS GRP 1,144 1,130 60.40 61.88 4.37 51.599 3239 ALLIED WORLD ASSUR HOLDING GRP 1,128 1,139 3.88 4.05 4.31 55.9010 361 MUNICH RE GRP 1,117 815 10.96 9.10 4.27 60.17

**STATE TOTAL** 26,154 24,338 39.68 39.86 100.00 100.00. .

Nebraska 1 12 AMERICAN INTL GRP 7,711 8,103 -5.34 -5.47 17.04 17.04




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 3548 TRAVELERS GRP 3,993 4,069 32.04 33.15 8.83 25.873 13889 FARMERS MUT INS CO OF NE 3,196 3,153 26.95 27.27 7.06 32.934 65 FM GLOBAL GRP 2,528 2,289 -0.25 -0.25 5.59 38.525 280 AUTO OWNERS GRP 2,482 2,543 55.01 53.25 5.49 44.006 62 EMC INS CO GRP 2,185 2,210 53.81 54.14 4.83 48.837 19 ASSURANT INC GRP 2,153 2,093 22.65 22.66 4.76 53.598 111 LIBERTY MUT GRP 2,049 2,102 -27.53 -27.33 4.53 58.129 212 ZURICH INS GRP 1,953 2,066 220.30 221.43 4.32 62.4410 761 ALLIANZ INS GRP 1,904 1,699 -0.85 -0.27 4.21 66.64

**STATE TOTAL** 45,246 45,231 27.82 28.14 100.00 100.00. .

Nevada 1 65 FM GLOBAL GRP 15,840 14,383 10.13 10.25 15.44 15.442 12 AMERICAN INTL GRP 14,766 18,099 6.97 7.87 14.39 29.823 19 ASSURANT INC GRP 13,930 15,060 11.55 11.55 13.57 43.404 3548 TRAVELERS GRP 9,564 10,808 7.03 9.07 9.32 52.725 1281 BANKAMERICA CORP GRP 7,761 5,762 17.77 18.00 7.56 60.286 212 ZURICH INS GRP 5,933 6,394 18.26 22.61 5.78 66.067 111 LIBERTY MUT GRP 4,746 4,591 20.05 21.01 4.62 70.688 1278 CALIFORNIA STATE AUTO GRP 3,253 2,939 66.53 70.62 3.17 73.859 1285 XL AMER GRP 2,996 2,679 8.14 9.48 2.92 76.7710 501 ALLEGHANY GRP 2,253 1,742 -31.88 -30.14 2.20 78.97

**STATE TOTAL** 102,625 103,227 13.32 14.54 100.00 100.00. .

New Hampshire 1 19 ASSURANT INC GRP 2,770 2,572 34.95 34.95 8.44 8.442 12 AMERICAN INTL GRP 2,533 2,890 2.65 2.97 7.72 16.163 22 ANDOVER GRP 2,219 2,291 12.32 12.48 6.76 22.934 65 FM GLOBAL GRP 2,140 1,926 0.51 0.51 6.52 29.455 111 LIBERTY MUT GRP 1,995 2,244 53.13 54.08 6.08 35.536 212 ZURICH INS GRP 1,978 1,882 -15.25 -14.81 6.03 41.567 408 AMERICAN NATL FIN GRP 1,885 1,848 25.23 25.39 5.74 47.318 3548 TRAVELERS GRP 1,825 1,964 20.15 22.30 5.56 52.879 98 WR BERKLEY CORP GRP 1,177 1,249 29.20 30.03 3.59 56.4610 361 MUNICH RE GRP 1,129 967 37.71 37.88 3.44 59.90

**STATE TOTAL** 32,809 32,275 25.75 26.53 100.00 100.00. .

New Jersey 1 12 AMERICAN INTL GRP 47,998 48,245 11.98 13.07 14.39 14.392 19 ASSURANT INC GRP 44,916 42,830 15.77 15.77 13.47 27.863 212 ZURICH INS GRP 19,289 19,108 100.36 102.76 5.78 33.644 3548 TRAVELERS GRP 19,189 18,923 16.26 17.89 5.75 39.395 65 FM GLOBAL GRP 17,004 16,460 2.83 2.79 5.10 44.496 308 PHILADELPHIA CONTRIBUTIONSHIP GRP 16,745 16,827 64.75 65.79 5.02 49.517 242 SELECTIVE INS GRP 13,697 13,999 39.12 39.52 4.11 53.628 1281 BANKAMERICA CORP GRP 13,000 10,135 15.14 15.33 3.90 57.529 111 LIBERTY MUT GRP 11,259 11,177 27.58 28.30 3.38 60.8910 361 MUNICH RE GRP 10,060 9,424 41.42 41.20 3.02 63.91

**STATE TOTAL** 333,534 324,250 24.19 23.08 100.00 100.00. .

New Mexico 1 12 AMERICAN INTL GRP 6,199 7,481 11.14 11.02 15.94 15.942 19 ASSURANT INC GRP 4,555 4,120 9.50 9.52 11.71 27.663 3548 TRAVELERS GRP 3,510 3,431 8.09 9.98 9.03 36.684 212 ZURICH INS GRP 2,436 1,630 113.98 114.99 6.27 42.955 111 LIBERTY MUT GRP 2,249 2,366 47.01 49.69 5.78 48.746 65 FM GLOBAL GRP 2,125 2,092 19.67 20.08 5.46 54.207 3489 DELEK GRP 2,085 1,311 15.16 15.93 5.36 59.568 761 ALLIANZ INS GRP 1,773 1,301 -1.96 -0.74 4.56 64.129 1281 BANKAMERICA CORP GRP 1,602 1,181 3.43 3.46 4.12 68.2410 140 NATIONWIDE CORP GRP 1,425 1,440 33.33 35.29 3.67 71.91

**STATE TOTAL** 38,881 36,679 20.79 21.57 100.00 100.00. .

New York 1 12 AMERICAN INTL GRP 160,509 190,115 17.72 18.60 20.92 20.922 19 ASSURANT INC GRP 73,742 68,697 20.90 20.91 9.61 30.543 3548 TRAVELERS GRP 64,082 62,773 24.79 26.96 8.35 38.894 65 FM GLOBAL GRP 52,463 49,504 15.81 16.13 6.84 45.735 1285 XL AMER GRP 31,796 38,404 32.74 35.68 4.14 49.876 761 ALLIANZ INS GRP 25,747 25,867 -114.98 -126.75 3.36 53.23




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 212 ZURICH INS GRP 25,209 26,441 7.20 -3.84 3.29 56.518 111 LIBERTY MUT GRP 24,970 26,555 39.38 40.97 3.25 59.779 1281 BANKAMERICA CORP GRP 24,094 18,485 21.22 21.34 3.14 62.9110 3703 TOWER GRP 18,849 16,749 38.58 39.59 2.46 65.37

**STATE TOTAL** 767,144 777,944 22.90 23.66 100.00 100.00. .

North Carolina 1 324 NORTH CAROLINA FARM BUREAU GRP 29,108 28,558 47.99 48.27 11.16 11.162 19 ASSURANT INC GRP 21,549 19,457 18.30 18.30 8.26 19.423 12 AMERICAN INTL GRP 21,424 23,945 17.03 18.63 8.21 27.634 65 FM GLOBAL GRP 21,110 20,748 2.87 2.95 8.09 35.725 280 AUTO OWNERS GRP 20,430 19,653 43.79 44.12 7.83 43.566 1281 BANKAMERICA CORP GRP 14,236 11,441 11.19 11.22 5.46 49.017 3548 TRAVELERS GRP 14,158 14,793 179.69 184.98 5.43 54.448 212 ZURICH INS GRP 13,951 13,697 75.94 76.55 5.35 59.799 140 NATIONWIDE CORP GRP 9,778 9,934 42.34 42.61 3.75 63.5410 111 LIBERTY MUT GRP 9,033 9,722 62.71 63.87 3.46 67.00

**STATE TOTAL** 260,856 254,149 56.06 57.20 100.00 100.00. .

North Dakota 1 11101 HARTLAND MUT INS CO 2,406 2,355 65.46 65.46 12.38 12.382 65 FM GLOBAL GRP 1,844 2,811 678.33 692.39 9.48 21.863 212 ZURICH INS GRP 1,488 1,408 27.20 28.00 7.65 29.514 3548 TRAVELERS GRP 1,447 1,388 104.30 105.91 7.44 36.955 62 EMC INS CO GRP 1,081 1,075 185.82 186.23 5.56 42.516 280 AUTO OWNERS GRP 997 992 39.86 40.37 5.13 47.647 698 NORTH STAR CO GRP 964 1,038 12.68 12.71 4.96 52.608 12 AMERICAN INTL GRP 704 1,111 -0.78 -0.69 3.62 56.229 517 HANNOVER GRP 681 561 10.20 13.60 3.50 59.7210 218 CNA INS GRP 650 167 4.24 9.93 3.34 63.06

**STATE TOTAL** 19,443 19,833 143.53 146.24 100.00 100.00. .

Ohio 1 19 ASSURANT INC GRP 51,848 51,718 12.71 12.71 14.85 14.852 12 AMERICAN INTL GRP 33,888 34,031 13.07 13.67 9.71 24.553 212 ZURICH INS GRP 23,230 22,713 35.10 35.48 6.65 31.214 65 FM GLOBAL GRP 22,917 22,075 20.11 20.81 6.56 37.775 3548 TRAVELERS GRP 18,297 17,705 54.01 56.43 5.24 43.016 280 AUTO OWNERS GRP 17,801 16,961 82.12 85.83 5.10 48.117 175 STATE AUTO MUT GRP 14,916 14,786 75.45 79.36 4.27 52.388 244 CINCINNATI FIN GRP 13,928 13,293 76.89 78.24 3.99 56.379 963 OHIO MUT GRP 13,473 13,236 60.63 60.94 3.86 60.2310 111 LIBERTY MUT GRP 12,736 13,373 -32.43 -28.98 3.65 63.88

**STATE TOTAL** 349,162 339,094 44.02 45.38 100.00 100.00. .

Oklahoma 1 3548 TRAVELERS GRP 15,577 14,244 81.78 83.94 13.20 13.202 12 AMERICAN INTL GRP 13,626 13,713 6.44 6.65 11.55 24.753 19 ASSURANT INC GRP 8,011 7,812 34.83 34.83 6.79 31.544 220 OKLAHOMA FARM BUREAU GRP 6,660 6,638 59.19 60.32 5.64 37.195 123 SHELTER INS GRP 6,579 6,552 79.22 80.17 5.58 42.766 361 MUNICH RE GRP 5,809 5,629 92.79 91.49 4.92 47.697 65 FM GLOBAL GRP 4,985 4,590 5.79 5.75 4.23 51.918 212 ZURICH INS GRP 4,873 4,575 71.43 72.49 4.13 56.049 111 LIBERTY MUT GRP 4,469 4,521 94.57 98.20 3.79 59.8310 1281 BANKAMERICA CORP GRP 2,900 2,368 28.46 28.48 2.46 62.29

**STATE TOTAL** 117,984 112,084 53.43 54.61 100.00 100.00. .

Oregon 1 12 AMERICAN INTL GRP 15,348 14,579 46.63 47.72 17.19 17.192 65 FM GLOBAL GRP 11,190 11,391 22.79 23.02 12.53 29.723 111 LIBERTY MUT GRP 8,676 8,751 35.80 35.40 9.72 39.444 19 ASSURANT INC GRP 8,564 7,752 20.73 20.73 9.59 49.035 212 ZURICH INS GRP 5,049 4,948 43.68 44.36 5.65 54.696 3548 TRAVELERS GRP 3,772 3,739 27.79 28.97 4.22 58.917 23108 LUMBERMENS UNDERWRITING ALLIANCE 3,484 2,392 -0.08 -0.08 3.90 62.818 761 ALLIANZ INS GRP 3,334 2,669 15.00 17.34 3.73 66.559 1281 BANKAMERICA CORP GRP 2,750 1,966 38.58 39.27 3.08 69.6310 361 MUNICH RE GRP 2,311 1,857 14.84 15.00 2.59 72.21

**STATE TOTAL** 89,285 85,776 38.16 38.89 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Pennsylvania 1 212 ZURICH INS GRP 55,735 45,707 41.09 42.07 13.21 13.21

2 12 AMERICAN INTL GRP 51,951 55,700 -4.27 -2.82 12.32 25.533 19 ASSURANT INC GRP 29,020 27,618 19.18 19.18 6.88 32.414 65 FM GLOBAL GRP 27,928 27,372 8.33 10.26 6.62 39.035 3548 TRAVELERS GRP 25,642 25,213 38.72 40.66 6.08 45.116 1281 BANKAMERICA CORP GRP 25,391 24,412 2.76 2.20 6.02 51.137 111 LIBERTY MUT GRP 16,541 17,075 38.14 40.44 3.92 55.058 271 PENNSYLVANIA NATL INS GRP 13,441 13,461 39.69 39.31 3.19 58.239 213 ERIE INS GRP 10,129 9,293 46.99 51.77 2.40 60.6410 242 SELECTIVE INS GRP 10,064 10,778 11.28 11.61 2.39 63.02

**STATE TOTAL** 421,830 411,436 28.35 29.50 100.00 100.00. .

Rhode Island 1 12 AMERICAN INTL GRP 3,798 3,783 2.49 3.06 9.53 9.532 65 FM GLOBAL GRP 3,733 3,400 8.08 9.15 9.37 18.913 19 ASSURANT INC GRP 3,459 3,566 30.13 30.13 8.68 27.594 22 ANDOVER GRP 2,274 2,289 12.48 13.05 5.71 33.305 111 LIBERTY MUT GRP 1,997 2,263 14.73 16.28 5.01 38.316 3548 TRAVELERS GRP 1,817 1,792 -2.13 -1.26 4.56 42.877 242 SELECTIVE INS GRP 1,658 1,626 18.51 18.88 4.16 47.048 212 ZURICH INS GRP 1,446 1,289 13.31 11.45 3.63 50.679 361 MUNICH RE GRP 1,338 945 38.82 38.25 3.36 54.0310 1281 BANKAMERICA CORP GRP 1,328 960 18.54 18.57 3.33 57.36

**STATE TOTAL** 39,835 38,490 23.91 24.83 100.00 100.00. .

South Carolina 1 12 AMERICAN INTL GRP 27,047 26,698 7.17 7.43 15.72 15.722 19 ASSURANT INC GRP 13,711 12,891 26.07 26.05 7.97 23.693 280 AUTO OWNERS GRP 12,953 13,139 48.84 49.12 7.53 31.234 212 ZURICH INS GRP 11,576 12,322 -29.92 -30.17 6.73 37.955 3548 TRAVELERS GRP 9,231 9,176 38.86 41.45 5.37 43.326 65 FM GLOBAL GRP 8,072 8,489 12.38 12.10 4.69 48.017 111 LIBERTY MUT GRP 7,007 7,996 55.69 57.57 4.07 52.098 361 MUNICH RE GRP 6,705 6,378 26.54 26.10 3.90 55.989 140 NATIONWIDE CORP GRP 5,833 6,009 41.08 41.43 3.39 59.3810 1281 BANKAMERICA CORP GRP 4,366 3,402 35.33 35.38 2.54 61.91

**STATE TOTAL** 172,012 172,929 19.48 19.58 100.00 100.00. .

South Dakota 1 248 UNITED FIRE & CAS GRP 1,738 1,668 11.71 11.83 9.84 9.842 3548 TRAVELERS GRP 1,267 1,268 -12.47 -9.97 7.17 17.013 280 AUTO OWNERS GRP 1,230 1,255 60.19 62.55 6.96 23.984 698 NORTH STAR CO GRP 1,211 1,295 48.10 48.61 6.86 30.835 12 AMERICAN INTL GRP 1,128 1,203 -2.09 -1.95 6.39 37.226 65 FM GLOBAL GRP 879 1,088 4.35 4.35 4.98 42.207 14184 ACUITY A MUT INS CO 772 784 137.46 147.38 4.37 46.578 175 STATE AUTO MUT GRP 717 730 8.71 9.67 4.06 50.639 62 EMC INS CO GRP 709 725 1.99 1.98 4.02 54.6510 19 ASSURANT INC GRP 689 623 19.82 19.79 3.90 58.55

**STATE TOTAL** 17,660 17,898 34.75 36.01 100.00 100.00. .

Tennessee 1 694 TENNESSEE FARMERS GRP 35,557 34,832 32.20 33.03 16.38 16.382 65 FM GLOBAL GRP 18,600 17,214 -52.97 -56.77 8.57 24.953 19 ASSURANT INC GRP 18,519 17,966 29.03 29.02 8.53 33.484 3548 TRAVELERS GRP 17,331 16,490 -19.68 -18.08 7.98 41.465 12 AMERICAN INTL GRP 15,368 19,576 44.43 46.69 7.08 48.546 111 LIBERTY MUT GRP 11,735 11,644 84.81 87.50 5.41 53.957 280 AUTO OWNERS GRP 9,193 9,097 81.35 84.29 4.23 58.188 212 ZURICH INS GRP 8,735 8,783 34.44 34.37 4.02 62.219 1281 BANKAMERICA CORP GRP 6,398 4,957 16.29 16.43 2.95 65.1510 361 MUNICH RE GRP 6,256 5,906 55.54 54.90 2.88 68.03

**STATE TOTAL** 217,086 212,018 28.75 29.06 100.00 100.00. .

Texas 1 12 AMERICAN INTL GRP 227,926 242,082 39.73 39.87 15.65 15.652 171 GERMANIA INS GRP 189,535 178,365 84.72 84.81 13.02 28.673 19 ASSURANT INC GRP 106,433 103,061 16.34 16.34 7.31 35.984 147 HOCHHEIM PRAIRIE GRP 94,697 91,449 73.12 78.54 6.50 42.48




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 65 FM GLOBAL GRP 80,093 79,106 10.19 9.02 5.50 47.996 1342 FARMERS MUT PROTECTION ASSN GRP 61,031 58,897 59.06 59.57 4.19 52.187 3548 TRAVELERS GRP 58,922 59,230 29.50 30.97 4.05 56.228 212 ZURICH INS GRP 58,430 59,328 103.18 105.13 4.01 60.249 361 MUNICH RE GRP 49,954 50,273 38.59 37.03 3.43 63.6710 3497 MIRAGE INTERESTS GRP 44,586 43,836 58.42 58.40 3.06 66.73

**STATE TOTAL** 1,456,038 1,429,769 49.30 50.46 100.00 100.00. .

Utah 1 19 ASSURANT INC GRP 27,927 27,712 5.50 5.50 36.86 36.862 65 FM GLOBAL GRP 8,182 7,831 54.17 55.40 10.80 47.663 12 AMERICAN INTL GRP 7,740 6,334 1.66 1.91 10.22 57.884 3548 TRAVELERS GRP 4,737 4,984 10.46 10.94 6.25 64.135 280 AUTO OWNERS GRP 2,958 2,936 61.67 63.23 3.90 68.046 212 ZURICH INS GRP 2,715 2,934 20.58 20.84 3.58 71.627 111 LIBERTY MUT GRP 2,270 2,413 10.44 10.54 3.00 74.628 323 CIVIL SERV EMPLOYEE GRP 2,016 2,023 43.72 47.06 2.66 77.289 1281 BANKAMERICA CORP GRP 1,819 1,348 5.71 5.55 2.40 79.6810 796 QBE INS GRP 1,687 1,669 16.02 15.97 2.23 81.91

**STATE TOTAL** 75,757 74,826 20.71 21.36 100.00 100.00. .

Vermont 1 65 FM GLOBAL GRP 1,929 1,778 -25.77 -27.00 10.05 10.052 408 AMERICAN NATL FIN GRP 1,863 1,843 36.52 36.85 9.71 19.763 18686 CO OPERATIVE INS CO 1,759 1,760 66.84 68.55 9.16 28.934 3548 TRAVELERS GRP 1,433 1,282 -36.04 -36.48 7.46 36.395 234 VERMONT MUT GRP 1,392 1,335 80.16 80.15 7.25 43.646 12 AMERICAN INTL GRP 1,097 1,614 -17.57 -17.63 5.72 49.367 212 ZURICH INS GRP 1,088 1,070 -278.01 -280.26 5.67 55.038 19 ASSURANT INC GRP 1,059 917 35.93 35.93 5.52 60.559 111 LIBERTY MUT GRP 936 858 6.60 8.17 4.88 65.4210 3416 AXIS CAPITAL GRP 843 852 53.47 54.90 4.39 69.82

**STATE TOTAL** 19,191 19,306 3.56 3.83 100.00 100.00. .

Virginia 1 12 AMERICAN INTL GRP 32,297 35,838 0.32 0.27 15.89 15.892 3548 TRAVELERS GRP 25,691 25,338 22.13 24.04 12.64 28.533 19 ASSURANT INC GRP 16,586 17,021 13.19 13.18 8.16 36.694 65 FM GLOBAL GRP 15,092 15,010 -2.77 -3.54 7.43 44.125 200 UNITED SERV AUTOMOBILE ASSN GRP 10,572 9,970 18.05 18.50 5.20 49.326 212 ZURICH INS GRP 9,076 8,863 52.67 54.53 4.47 53.787 111 LIBERTY MUT GRP 7,102 7,214 77.57 80.65 3.49 57.288 242 SELECTIVE INS GRP 6,091 6,188 66.22 66.84 3.00 60.279 140 NATIONWIDE CORP GRP 6,006 6,058 45.64 47.97 2.96 63.2310 1281 BANKAMERICA CORP GRP 5,922 4,624 9.45 9.50 2.91 66.14

**STATE TOTAL** 203,247 199,764 22.22 23.14 100.00 100.00. .

Washington 1 12 AMERICAN INTL GRP 33,475 33,308 30.76 31.65 18.24 18.242 65 FM GLOBAL GRP 23,358 22,972 9.94 9.69 12.73 30.973 111 LIBERTY MUT GRP 21,099 20,523 60.62 61.90 11.50 42.474 19 ASSURANT INC GRP 15,625 14,126 20.70 20.70 8.51 50.985 212 ZURICH INS GRP 11,589 10,977 56.18 56.68 6.32 57.306 3548 TRAVELERS GRP 9,335 10,953 127.36 137.75 5.09 62.387 1281 BANKAMERICA CORP GRP 4,815 3,459 18.39 18.44 2.62 65.018 361 MUNICH RE GRP 4,793 4,152 6.68 6.39 2.61 67.629 200 UNITED SERV AUTOMOBILE ASSN GRP 4,035 3,793 36.70 38.12 2.20 69.8210 761 ALLIANZ INS GRP 4,012 4,012 5.10 5.81 2.19 72.00

**STATE TOTAL** 183,517 179,220 45.49 46.86 100.00 100.00. .

West Virginia 1 12 AMERICAN INTL GRP 4,526 3,988 -0.51 -0.42 7.97 7.972 3548 TRAVELERS GRP 4,351 3,816 20.62 21.55 7.66 15.633 408 AMERICAN NATL FIN GRP 3,940 3,950 63.36 63.83 6.94 22.574 11003 WVA INS CO 3,545 3,601 28.58 28.75 6.24 28.815 4339 FARMERS & MECHANICS MUT GRP 3,206 3,201 42.65 42.65 5.65 34.466 212 ZURICH INS GRP 3,100 1,833 20.94 21.55 5.46 39.927 19 ASSURANT INC GRP 2,942 2,767 34.38 34.37 5.18 45.108 175 STATE AUTO MUT GRP 2,758 2,743 38.96 39.87 4.86 49.969 140 NATIONWIDE CORP GRP 2,448 2,491 47.90 48.40 4.31 54.27




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 361 MUNICH RE GRP 2,186 2,531 40.26 27.04 3.85 58.12**STATE TOTAL** 56,787 58,458 141.95 143.27 100.00 100.00

. .Wisconsin 1 1243 WEST BEND MUT GRP 13,158 11,452 26.63 28.49 9.84 9.84

2 65 FM GLOBAL GRP 11,776 11,002 0.28 0.28 8.80 18.643 19 ASSURANT INC GRP 11,099 10,616 32.27 32.27 8.30 26.934 3548 TRAVELERS GRP 9,847 9,682 -24.01 -22.20 7.36 34.295 12 AMERICAN INTL GRP 9,359 9,025 10.86 10.88 7.00 41.296 280 AUTO OWNERS GRP 8,061 7,635 69.54 73.75 6.03 47.317 212 ZURICH INS GRP 6,683 6,630 41.71 41.65 5.00 52.318 111 LIBERTY MUT GRP 5,696 6,369 351.93 365.40 4.26 56.579 14184 ACUITY A MUT INS CO 5,195 5,420 50.33 47.24 3.88 60.4510 501 ALLEGHANY GRP 4,003 3,249 8.79 9.20 2.99 63.44

**STATE TOTAL** 133,784 128,695 126.21 128.97 100.00 100.00. .

Wyoming 1 12 AMERICAN INTL GRP 4,192 4,528 -7.15 -7.55 20.61 20.612 212 ZURICH INS GRP 3,275 1,520 35.09 35.16 16.10 36.703 65 FM GLOBAL GRP 1,591 1,667 0.00 0.00 7.82 44.524 3548 TRAVELERS GRP 1,477 1,515 8.54 11.00 7.26 51.785 4683 MOUNTAIN WEST FARM GRP 1,345 1,345 116.71 119.76 6.61 58.396 761 ALLIANZ INS GRP 1,015 853 1.56 2.28 4.99 63.387 111 LIBERTY MUT GRP 915 925 48.27 48.79 4.50 67.878 140 NATIONWIDE CORP GRP 867 847 17.79 18.29 4.26 72.149 19 ASSURANT INC GRP 554 501 4.45 4.42 2.72 74.8610 501 ALLEGHANY GRP 527 486 3.92 4.06 2.59 77.45

**STATE TOTAL** 20,346 19,545 21.51 22.16 100.00 100.00. .

American Samoa 1 761 ALLIANZ INS GRP 26 5 0.00 0.00 71.84 71.84**STATE TOTAL** 36 17 -4.85 -5.10 100.00 100.00

. .Guam 1 4672 DONGBU INS GRP 8,742 8,556 0.82 1.10 63.74 63.74

2 18380 PACIFIC IND INS CO 1,540 1,537 9.35 9.66 11.23 74.973 12633 CENTURY INS CO GU LTD 1,507 1,383 1.90 4.98 10.99 85.964 13597 CHUNG KUO INS CO LTD 1,436 1,573 6.26 6.55 10.47 96.435 10972 FIRST NET INS CO 359 341 4.52 4.95 2.62 99.056 181 SWISS RE GRP 43 44 12.61 13.62 0.31 99.367 1279 ARCH INS GRP 41 41 0.03 0.04 0.30 99.668 65 FM GLOBAL GRP 20 18 0.00 0.00 0.14 99.80

**STATE TOTAL** 13,716 13,506 2.38 2.96 100.00 100.00. .

Puerto Rico 1 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 13,187 12,502 16.51 18.41 21.61 21.612 626 ACE LTD GRP 9,053 8,596 -0.01 -0.44 14.83 36.443 12 AMERICAN INTL GRP 8,780 8,817 44.63 49.67 14.39 50.834 65 FM GLOBAL GRP 7,139 6,940 0.36 0.36 11.70 62.525 411 MAPFRE INS GRP 5,030 5,788 13.72 14.59 8.24 70.776 212 ZURICH INS GRP 3,273 3,493 37.55 37.60 5.36 76.137 40568 TRIPLE S PROPIEDAD INC 2,874 2,841 46.75 47.67 4.71 80.848 71 UNIVERSAL INS CO GRP 2,686 1,951 27.07 28.39 4.40 85.249 343 NATIONAL INS CO GRP 1,958 1,815 14.41 17.30 3.21 88.4510 111 LIBERTY MUT GRP 1,351 958 12.11 12.56 2.21 90.66

**STATE TOTAL** 61,031 59,501 46.19 47.73 100.00 100.00. .

U.S. Virgin Islands 1 17779 GUARDIAN INS CO INC 500 443 0.00 0.00 20.15 20.152 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 477 468 -26.32 -26.32 19.24 39.393 161 TOPA EQUITIES LTD GRP 382 369 269.10 279.43 15.39 54.784 501 ALLEGHANY GRP 288 265 4.32 4.49 11.59 66.385 26778 INTEGRAND ASSUR CO 262 265 0.00 0.00 10.57 76.946 12 AMERICAN INTL GRP 235 236 -0.00 -0.00 9.49 86.437 19 ASSURANT INC GRP 159 172 3.06 3.06 6.40 92.838 626 ACE LTD GRP 109 214 36.07 35.42 4.40 97.22

**STATE TOTAL** 2,481 2,580 35.86 37.17 100.00 100.00. .

N. Mariana Islands 1 4672 DONGBU INS GRP 364 335 0.08 0.19 79.14 79.142 18380 PACIFIC IND INS CO 71 75 0.00 0.00 15.48 94.623 10972 FIRST NET INS CO 17 19 0.00 0.00 3.67 98.28




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 460 436 0.06 0.15 100.00 100.00. .

Canada 1 65 FM GLOBAL GRP 99,763 95,845 24.14 23.61 36.17 36.172 3548 TRAVELERS GRP 59,040 61,072 122.32 127.12 21.41 57.583 761 ALLIANZ INS GRP 43,781 42,593 39.73 43.22 15.88 73.464 23108 LUMBERMENS UNDERWRITING ALLIANCE 24,925 25,811 111.04 110.72 9.04 82.495 1279 ARCH INS GRP 23,870 21,419 96.89 100.70 8.66 91.156 181 SWISS RE GRP 21,434 26,422 54.57 57.60 7.77 98.927 3416 AXIS CAPITAL GRP 1,426 516 1.42 1.45 0.52 99.448 1285 XL AMER GRP 629 686 -3.97 -4.18 0.23 99.679 176 STATE FARM GRP 345 333 39.45 39.45 0.13 99.7910 749 SCOR GRP 176 105 -2.13 -2.04 0.06 99.86

**STATE TOTAL** 275,786 275,120 65.50 67.47 100.00 100.00. .

Aggregate Other Alien 1 12 AMERICAN INTL GRP 265,090 331,675 30.07 34.10 70.38 70.382 626 ACE LTD GRP 25,397 25,416 54.91 63.22 6.74 77.123 181 SWISS RE GRP 24,018 15,721 15.92 17.43 6.38 83.504 33499 DORINCO REINS CO 19,709 20,109 0.00 0.00 5.23 88.735 65 FM GLOBAL GRP 8,739 8,863 -72.01 -72.54 2.32 91.056 761 ALLIANZ INS GRP 6,649 9,143 1.14 -2.04 1.77 92.817 38 CHUBB & SON INC GRP 6,014 7,990 1.75 -1.11 1.60 94.418 3548 TRAVELERS GRP 5,104 5,494 62.98 65.89 1.35 95.779 1285 XL AMER GRP 5,052 4,670 -3.61 -3.52 1.34 97.1110 212 ZURICH INS GRP 4,378 5,390 110.93 107.87 1.16 98.27

**STATE TOTAL** 376,666 441,761 27.59 29.80 100.00 100.00. .




2.1—Allied Lines



States, U.S. Territories, Canada, and Aggregate Other Alien02.1-Allied Lines



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 12 AMERICAN INTL GRP 1,294,330 1,267,661 61.55 66.00 11.43 11.432 10064 CITIZENS PROP INS CORP 1,237,046 1,370,837 1.02 -0.17 10.93 22.363 65 FM GLOBAL GRP 1,070,199 1,090,864 13.33 13.47 9.45 31.824 1281 BANKAMERICA CORP GRP 725,860 626,488 20.19 20.48 6.41 38.235 19 ASSURANT INC GRP 513,990 479,643 25.21 25.26 4.54 42.776 212 ZURICH INS GRP 502,917 506,711 25.46 29.91 4.44 47.217 3548 TRAVELERS GRP 493,360 485,630 65.56 67.33 4.36 51.578 111 LIBERTY MUT GRP 293,909 296,124 43.00 44.02 2.60 54.179 626 ACE LTD GRP 288,545 289,383 18.68 17.70 2.55 56.7110 501 ALLEGHANY GRP 260,668 254,152 9.89 11.39 2.30 59.0211 218 CNA INS GRP 230,556 260,871 5.77 10.86 2.04 61.0512 761 ALLIANZ INS GRP 226,584 225,487 38.31 40.64 2.00 63.0613 140 NATIONWIDE CORP GRP 209,867 207,804 61.06 63.09 1.85 64.9114 84 AMERICAN FINANCIAL GRP 199,078 193,847 37.23 38.14 1.76 66.6715 361 MUNICH RE GRP 195,819 185,379 37.33 37.24 1.73 68.4016 200 UNITED SERV AUTOMOBILE ASSN GRP 153,937 140,714 66.91 67.12 1.36 69.7617 3416 AXIS CAPITAL GRP 144,613 142,159 -5.29 -2.57 1.28 71.0318 569 FARMERS MUT HAIL INS GRP 138,211 138,211 84.77 84.95 1.22 72.2619 796 QBE INS GRP 106,385 106,932 51.97 58.23 0.94 73.2020 1279 ARCH INS GRP 105,526 104,432 37.68 42.19 0.93 74.1321 181 SWISS RE GRP 98,582 93,336 -16.29 -16.30 0.87 75.0022 LOUISIANA CITIZENS PROPERTY INS. 92,830 99,019 26.69 30.65 0.82 75.8223 1285 XL AMER GRP 85,039 89,194 78.75 86.75 0.75 76.5724 175 STATE AUTO MUT GRP 84,434 80,765 46.25 47.11 0.75 77.3225 4636 MAX CAPITAL GRP 83,344 77,503 34.64 31.98 0.74 78.0526 242 SELECTIVE INS GRP 82,973 79,645 53.60 54.32 0.73 78.7927 62 EMC INS CO GRP 79,045 77,472 50.43 50.65 0.70 79.4828 408 AMERICAN NATL FIN GRP 58,649 57,079 81.09 81.51 0.52 80.0029 1344 ARX HOLDING CORP GRP 56,834 53,389 25.66 26.70 0.50 80.5030 244 CINCINNATI FIN GRP 56,246 53,728 62.17 63.13 0.50 81.0031 25240 NAU COUNTRY INS CO 55,365 55,324 101.22 101.22 0.49 81.4932 3786 ENDURANCE GRP 52,190 48,918 75.10 78.22 0.46 81.9533 98 WR BERKLEY CORP GRP 51,383 50,697 67.52 69.09 0.45 82.4034 783 RLI INS GRP 48,535 49,676 -4.04 -0.91 0.43 82.8335 698 NORTH STAR CO GRP 46,756 45,554 49.53 49.66 0.41 83.2536 457 ARGONAUT GRP 46,553 47,042 35.54 40.39 0.41 83.6637 306 CUNA MUT GRP 45,868 45,153 81.57 85.16 0.41 84.0638 3489 DELEK GRP 44,784 41,877 60.59 63.10 0.40 84.4639 88 THE HANOVER INS GRP 43,116 39,382 34.16 35.00 0.38 84.8440 785 MARKEL CORP GRP 40,787 46,496 32.36 38.71 0.36 85.2041 123 SHELTER INS GRP 40,252 38,186 95.49 95.83 0.36 85.5542 1129 WHITE MOUNTAINS GRP 39,646 41,010 69.63 72.41 0.35 85.9143 38 CHUBB & SON INC GRP 39,121 33,478 9.95 5.48 0.35 86.2544 248 UNITED FIRE & CAS GRP 36,748 37,064 140.14 140.45 0.32 86.5845 158 FAIRFAX FIN GRP 35,382 43,135 60.41 69.84 0.31 86.8946 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 34,326 32,237 6.03 6.55 0.30 87.1947 215 UNITRIN GRP 32,492 32,965 126.45 126.63 0.29 87.4848 31 BERKSHIRE HATHAWAY GRP 32,030 36,297 55.79 56.16 0.28 87.7649 1243 WEST BEND MUT GRP 30,893 26,165 42.73 43.13 0.27 88.0350 169 SENTRY INS GRP 30,420 30,058 48.66 52.67 0.27 88.3051 22 ANDOVER GRP 28,729 28,459 46.78 47.97 0.25 88.5652 7 FEDERATED MUT GRP 28,536 29,349 33.39 34.71 0.25 88.8153 4663 UNIVERSAL INS HOLDING GRP 27,569 29,777 13.63 14.96 0.24 89.0554 23108 LUMBERMENS UNDERWRITING ALLIANCE 26,067 23,945 49.78 49.89 0.23 89.2855 809 TEXAS FARM BUREAU MUT GRP 25,982 25,485 71.36 71.39 0.23 89.5156 324 NORTH CAROLINA FARM BUREAU GRP 25,557 25,096 42.05 42.54 0.23 89.7457 518 GRINNELL MUT GRP 25,224 24,586 65.28 65.37 0.22 89.9658 71 UNIVERSAL INS CO GRP 24,787 22,078 1.66 1.69 0.22 90.1859 411 MAPFRE INS GRP 22,520 23,032 -5.54 -5.19 0.20 90.3860 1120 EVEREST REINS HOLDINGS GRP 21,358 14,800 0.04 0.93 0.19 90.5761 91 HARTFORD FIRE & CAS GRP 21,332 25,479 59.29 18.80 0.19 90.7662 3497 MIRAGE INTERESTS GRP 21,177 21,531 55.49 55.42 0.19 90.9463 50 COUNTRY INS & FIN SERV GRP 20,949 21,023 63.35 63.54 0.19 91.1364 14974 PENNSYLVANIA LUMBERMENS MUT INS 20,364 17,593 41.90 42.00 0.18 91.3165 11118 FEDERATED RURAL ELECTRIC INS EXCH 20,047 19,318 61.54 59.05 0.18 91.48




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 3098 TOKIO MARINE HOLDINGS INC GRP 19,888 21,885 33.53 42.18 0.18 91.6667 8 ALLSTATE INS GRP 19,094 28,097 51.19 51.29 0.17 91.8368 10717 ASPEN SPECIALTY INS CO 18,363 7,195 221.66 262.97 0.16 91.9969 1331 GLENCOE US HOLDINGS GRP 17,676 19,462 241.72 241.47 0.16 92.1570 920 UNITED AMER IND GRP 17,654 18,320 37.58 44.37 0.16 92.3071 14184 ACUITY A MUT INS CO 17,380 17,207 59.02 58.57 0.15 92.4672 13757 FARM BUREAU MUT INS CO OF AR INC 17,288 17,038 167.30 167.70 0.15 92.6173 253 HARLEYSVILLE GRP 16,547 15,448 65.46 69.55 0.15 92.7674 34843 NEW YORK SCHOOLS INS RECIP 16,338 16,251 31.77 32.38 0.14 92.9075 513 IOWA FARM BUREAU GRP 16,154 16,160 125.92 125.92 0.14 93.0476 474 FCCI MUT INS GRP 14,788 13,487 5.42 7.88 0.13 93.1777 40568 TRIPLE S PROPIEDAD INC 13,305 13,186 9.25 9.72 0.12 93.2978 171 GERMANIA INS GRP 13,263 17,031 69.20 69.41 0.12 93.4179 3484 TOWER HILL INS GRP 13,239 13,143 26.96 29.29 0.12 93.5380 483 SOUTHERN FARM BUREAU CAS GRP 13,123 13,054 55.83 56.04 0.12 93.6481 280 AUTO OWNERS GRP 13,083 13,323 99.21 102.86 0.12 93.7682 4509 IRONSHORE GRP 12,749 8,557 53.19 56.86 0.11 93.8783 28497 USPLATE GLASS INS CO 11,756 9,845 1.38 2.09 0.10 93.9784 732 NLASCO GRP 11,551 11,663 138.84 159.02 0.10 94.0885 10860 SUNSHINE STATE INS CO 11,331 11,305 24.55 27.92 0.10 94.1886 42757 AGRI GEN INS CO 11,045 11,045 126.98 130.57 0.10 94.2787 3239 ALLIED WORLD ASSUR HOLDING GRP 11,040 10,558 131.96 167.81 0.10 94.3788 10308 ANTILLES INS CO 10,620 9,081 0.19 0.31 0.09 94.4689 213 ERIE INS GRP 10,593 9,889 90.84 96.93 0.09 94.5690 2538 AMTRUST FINANCIAL SERV GRP 10,354 12,725 58.44 55.47 0.09 94.6591 36 CENTRAL MUT INS CO GRP 10,306 10,091 62.51 62.30 0.09 94.7492 12538 ROYAL PALM INS CO 10,250 11,081 19.98 20.73 0.09 94.8393 228 WESTFIELD GRP 9,988 9,899 84.30 81.42 0.09 94.9294 37540 BEAZLEY INS CO INC 9,556 8,344 21.42 69.43 0.08 95.0095 3456 CYPRESS HOLDINGS GRP 9,536 8,954 56.23 57.38 0.08 95.0996 303 GUIDEONE INS GRP 9,534 9,822 38.55 38.50 0.08 95.1797 176 STATE FARM GRP 9,269 9,153 52.15 56.25 0.08 95.2598 308 PHILADELPHIA CONTRIBUTIONSHIP GRP 9,187 9,277 39.30 40.20 0.08 95.3399 234 VERMONT MUT GRP 8,988 8,506 34.45 34.34 0.08 95.41100 220 OKLAHOMA FARM BUREAU GRP 8,793 8,046 193.64 194.31 0.08 95.49101 689 BANKERS INS GRP 8,787 8,761 21.30 21.95 0.08 95.57102 267 GRANGE MUT CAS GRP 8,410 8,110 102.29 103.52 0.07 95.64103 1275 QUINCY MUT GRP 8,168 7,608 45.63 51.11 0.07 95.72104 3593 USIC GRP 8,091 7,771 1.42 1.93 0.07 95.79105 3500 NODAK MUT GRP 7,872 7,849 21.33 24.76 0.07 95.86106 694 TENNESSEE FARMERS GRP 7,595 7,440 305.56 307.15 0.07 95.92107 4233 WL DUNN GRP 7,536 7,534 44.94 45.10 0.07 95.99108 762 FRANKLIN MUT GRP 7,454 7,308 28.27 27.86 0.07 96.06109 10149 FIRST HOME INS CO 7,074 5,919 35.85 39.70 0.06 96.12110 153 PEKIN INS GRP 7,013 6,880 116.21 121.97 0.06 96.18111 4684 MAIDEN HOLDINGS GRP 7,006 6,794 -1.42 0.48 0.06 96.24112 4111 HOMEWISE GRP 6,973 8,208 0.77 -2.45 0.06 96.30113 28 AMICA MUT GRP 6,722 6,065 91.44 93.42 0.06 96.36114 93 STATE NATL GRP 6,717 5,727 124.33 145.35 0.06 96.42115 14427 LOUISIANA FARM BUREAU MUT INS CO 6,696 6,738 43.80 44.26 0.06 96.48116 225 IAT REINS CO GRP 6,615 6,067 23.53 25.91 0.06 96.54117 311 MAIN STREET AMER GRP 6,519 5,924 44.76 49.36 0.06 96.60118 316 NATIONAL SECURITY GRP 6,512 5,501 71.46 71.71 0.06 96.66119 343 NATIONAL INS CO GRP 6,512 7,461 9.70 11.46 0.06 96.71120 125 PENN MILLER GRP 6,469 6,580 75.54 74.38 0.06 96.77121 3299 AJK HOLDINGS GRP 6,350 6,797 -25.62 -66.24 0.06 96.83122 291 MOTORISTS MUT GRP 6,335 6,082 99.05 99.47 0.06 96.88123 26905 CENTURY NATL INS CO 6,224 6,292 48.06 50.54 0.05 96.94124 214 ALLIANCE INS GRP 6,083 5,686 114.96 115.17 0.05 96.99125 309 WESTERN NATL MUT 6,051 6,067 52.52 54.48 0.05 97.04

**INDUSTRY TOTAL** 11,320,172 11,247,928 36.07 37.55 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 65 FM GLOBAL GRP 15,329 15,964 11.79 12.10 11.11 11.112 12 AMERICAN INTL GRP 13,863 14,276 368.05 388.72 10.05 21.163 501 ALLEGHANY GRP 10,908 10,361 5.54 8.50 7.91 29.074 626 ACE LTD GRP 7,584 7,763 -30.82 -30.20 5.50 34.575 3548 TRAVELERS GRP 7,480 6,980 46.83 46.01 5.42 39.996 212 ZURICH INS GRP 6,344 6,311 66.61 68.45 4.60 44.597 361 MUNICH RE GRP 5,314 5,061 35.94 35.90 3.85 48.448 1279 ARCH INS GRP 5,095 4,891 698.25 748.42 3.69 52.139 31186 BALDWIN MUT INS CO 4,639 4,803 57.99 71.08 3.36 55.5010 19 ASSURANT INC GRP 4,533 3,774 59.98 60.27 3.29 58.78

**STATE TOTAL** 137,950 135,034 90.95 96.73 100.00 100.00. .

Alaska 1 65 FM GLOBAL GRP 4,120 3,733 23.27 23.27 22.75 22.752 12 AMERICAN INTL GRP 2,886 2,603 567.72 568.33 15.94 38.693 626 ACE LTD GRP 1,555 1,344 -1.18 0.06 8.59 47.284 38733 ALASKA NATL INS CO 1,266 1,320 81.70 89.65 6.99 54.275 40126 UMIALIK INS CO 1,000 992 16.06 16.36 5.52 59.796 501 ALLEGHANY GRP 933 913 42.08 45.87 5.15 64.957 3548 TRAVELERS GRP 731 651 23.56 23.45 4.04 68.998 212 ZURICH INS GRP 462 327 5.71 5.87 2.55 71.549 111 LIBERTY MUT GRP 461 457 37.70 38.83 2.55 74.0910 19 ASSURANT INC GRP 429 357 18.05 18.40 2.37 76.46

**STATE TOTAL** 18,107 16,720 117.21 118.90 100.00 100.00. .

Arizona 1 65 FM GLOBAL GRP 12,491 12,283 -14.98 -15.44 13.45 13.452 12 AMERICAN INTL GRP 8,543 8,976 946.33 962.24 9.20 22.653 3548 TRAVELERS GRP 8,003 7,526 27.35 28.33 8.62 31.264 19 ASSURANT INC GRP 7,617 7,844 20.17 20.18 8.20 39.465 1281 BANKAMERICA CORP GRP 7,110 5,194 27.50 27.60 7.66 47.126 200 UNITED SERV AUTOMOBILE ASSN GRP 6,304 5,389 46.46 46.84 6.79 53.917 111 LIBERTY MUT GRP 5,854 5,902 29.75 29.06 6.30 60.218 212 ZURICH INS GRP 5,846 5,873 13.55 13.27 6.29 66.509 218 CNA INS GRP 3,675 5,233 70.41 74.15 3.96 70.4610 140 NATIONWIDE CORP GRP 2,886 2,902 67.35 69.40 3.11 73.57

**STATE TOTAL** 92,881 91,719 114.31 117.39 100.00 100.00. .

Arkansas 1 13757 FARM BUREAU MUT INS CO OF AR INC 17,288 17,038 167.30 167.70 15.68 15.682 84 AMERICAN FINANCIAL GRP 13,247 16,231 10.40 10.43 12.01 27.693 65 FM GLOBAL GRP 9,358 9,273 80.45 79.63 8.49 36.184 123 SHELTER INS GRP 8,193 7,556 90.25 90.35 7.43 43.615 3548 TRAVELERS GRP 6,720 5,800 24.79 23.03 6.09 49.716 361 MUNICH RE GRP 6,393 5,964 81.91 83.44 5.80 55.507 12 AMERICAN INTL GRP 3,562 3,824 135.12 144.01 3.23 58.748 569 FARMERS MUT HAIL INS GRP 2,799 2,799 65.12 71.28 2.54 61.279 212 ZURICH INS GRP 2,794 2,783 42.50 43.70 2.53 63.8110 218 CNA INS GRP 2,670 3,564 -21.52 -11.44 2.42 66.23

**STATE TOTAL** 110,262 111,022 70.84 72.52 100.00 100.00. .

California 1 12 AMERICAN INTL GRP 328,931 285,151 60.83 64.54 29.23 29.232 1281 BANKAMERICA CORP GRP 209,018 203,356 16.21 16.30 18.58 47.813 212 ZURICH INS GRP 96,545 98,976 42.92 48.25 8.58 56.394 65 FM GLOBAL GRP 77,839 80,366 14.33 14.57 6.92 63.315 19 ASSURANT INC GRP 60,206 59,283 15.54 15.87 5.35 68.666 111 LIBERTY MUT GRP 49,799 48,082 36.81 37.41 4.43 73.097 3548 TRAVELERS GRP 47,217 47,071 30.81 32.50 4.20 77.298 140 NATIONWIDE CORP GRP 27,654 26,504 41.99 43.07 2.46 79.749 361 MUNICH RE GRP 18,201 18,587 25.69 25.60 1.62 81.3610 218 CNA INS GRP 17,684 22,839 -90.78 -87.07 1.57 82.93

**STATE TOTAL** 1,125,126 1,070,465 31.41 33.45 100.00 100.00. .

Colorado 1 1281 BANKAMERICA CORP GRP 26,211 25,424 57.15 56.99 18.30 18.302 12 AMERICAN INTL GRP 15,717 15,389 130.48 133.01 10.97 29.273 65 FM GLOBAL GRP 12,792 12,117 31.62 31.87 8.93 38.204 111 LIBERTY MUT GRP 9,118 8,490 133.38 133.08 6.37 44.575 3548 TRAVELERS GRP 9,042 8,921 130.12 133.53 6.31 50.88




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 200 UNITED SERV AUTOMOBILE ASSN GRP 8,872 7,652 113.38 113.40 6.19 57.087 212 ZURICH INS GRP 6,486 6,129 81.13 82.57 4.53 61.618 19 ASSURANT INC GRP 4,381 4,249 44.91 44.91 3.06 64.669 140 NATIONWIDE CORP GRP 4,050 3,834 162.40 163.15 2.83 67.4910 569 FARMERS MUT HAIL INS GRP 3,856 3,856 99.49 99.62 2.69 70.18

**STATE TOTAL** 143,230 138,564 101.05 102.17 100.00 100.00. .

Connecticut 1 65 FM GLOBAL GRP 21,996 27,982 1.07 1.08 24.47 24.472 12 AMERICAN INTL GRP 7,285 6,509 95.36 97.43 8.10 32.573 111 LIBERTY MUT GRP 6,754 6,713 34.57 34.79 7.51 40.084 212 ZURICH INS GRP 5,461 5,430 23.48 24.98 6.07 46.165 3548 TRAVELERS GRP 4,705 4,605 31.54 32.79 5.23 51.396 19 ASSURANT INC GRP 3,902 3,607 39.15 39.15 4.34 55.737 50 COUNTRY INS & FIN SERV GRP 3,651 3,476 54.81 54.91 4.06 59.798 1281 BANKAMERICA CORP GRP 3,114 2,242 34.77 34.93 3.46 63.269 361 MUNICH RE GRP 2,599 2,062 89.87 90.70 2.89 66.1510 175 STATE AUTO MUT GRP 1,811 1,698 3.07 2.44 2.01 68.16

**STATE TOTAL** 89,901 92,511 29.25 29.30 100.00 100.00. .

Delaware 1 65 FM GLOBAL GRP 1,545 1,643 0.00 0.00 8.97 8.972 218 CNA INS GRP 1,533 1,916 39.16 41.81 8.89 17.863 3548 TRAVELERS GRP 1,531 1,584 32.14 36.07 8.89 26.754 212 ZURICH INS GRP 1,484 1,544 66.28 66.63 8.61 35.365 408 AMERICAN NATL FIN GRP 1,343 1,341 91.83 91.76 7.79 43.156 140 NATIONWIDE CORP GRP 1,252 1,363 41.86 42.24 7.27 50.427 19 ASSURANT INC GRP 1,191 1,068 29.75 29.75 6.91 57.338 242 SELECTIVE INS GRP 1,056 1,077 17.47 17.92 6.13 63.469 26166 WINDSOR MOUNT JOY MUT INS CO 721 723 4.14 9.38 4.18 67.6410 1281 BANKAMERICA CORP GRP 552 372 25.64 25.69 3.20 70.84

**STATE TOTAL** 17,230 17,431 31.07 32.31 100.00 100.00. .

District of Columbia 1 65 FM GLOBAL GRP 7,569 7,476 11.49 11.50 28.11 28.112 3548 TRAVELERS GRP 3,549 3,286 51.43 56.49 13.18 41.293 12 AMERICAN INTL GRP 3,452 3,494 184.59 188.18 12.82 54.114 84 AMERICAN FINANCIAL GRP 3,255 2,220 5.31 5.36 12.09 66.205 218 CNA INS GRP 1,092 1,083 106.02 108.47 4.06 70.266 212 ZURICH INS GRP 1,009 1,088 16.98 18.19 3.75 74.007 501 ALLEGHANY GRP 656 653 25.96 26.57 2.44 76.448 19 ASSURANT INC GRP 625 651 -5.46 -5.46 2.32 78.769 761 ALLIANZ INS GRP 605 647 1.18 2.61 2.25 81.0110 200 UNITED SERV AUTOMOBILE ASSN GRP 569 538 57.70 58.05 2.11 83.12

**STATE TOTAL** 26,927 25,459 44.82 46.65 100.00 100.00. .

Florida 1 10064 CITIZENS PROP INS CORP 1,237,046 1,370,837 1.02 -0.17 44.02 44.022 1281 BANKAMERICA CORP GRP 236,843 202,658 8.14 8.38 8.43 52.453 19 ASSURANT INC GRP 177,789 161,073 12.28 12.28 6.33 58.784 12 AMERICAN INTL GRP 144,973 143,856 40.63 53.79 5.16 63.945 501 ALLEGHANY GRP 74,609 75,338 10.16 10.84 2.66 66.606 796 QBE INS GRP 67,159 66,851 43.03 52.48 2.39 68.997 65 FM GLOBAL GRP 66,401 65,635 5.53 5.63 2.36 71.358 626 ACE LTD GRP 63,884 67,965 -19.59 -20.20 2.27 73.629 3416 AXIS CAPITAL GRP 60,218 57,696 -0.04 2.42 2.14 75.7710 212 ZURICH INS GRP 54,215 55,136 43.16 44.86 1.93 77.70

**STATE TOTAL** 2,809,876 2,892,766 8.73 9.67 100.00 100.00. .

Georgia 1 65 FM GLOBAL GRP 30,940 30,341 -2.45 -2.44 14.27 14.272 12 AMERICAN INTL GRP 20,570 20,210 21.45 25.69 9.49 23.763 3548 TRAVELERS GRP 17,852 16,992 271.51 279.10 8.23 31.994 84 AMERICAN FINANCIAL GRP 15,906 14,554 6.85 8.17 7.34 39.335 212 ZURICH INS GRP 12,685 12,738 102.49 109.82 5.85 45.186 19 ASSURANT INC GRP 11,835 10,833 76.92 76.92 5.46 50.647 1281 BANKAMERICA CORP GRP 10,345 6,959 42.28 42.43 4.77 55.418 111 LIBERTY MUT GRP 7,716 7,098 124.32 126.68 3.56 58.979 501 ALLEGHANY GRP 7,654 7,481 74.93 74.93 3.53 62.5010 218 CNA INS GRP 7,024 7,620 5.00 9.71 3.24 65.74




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 216,807 205,627 86.06 88.74 100.00 100.00. .

Hawaii 1 71 UNIVERSAL INS CO GRP 17,555 15,725 0.00 0.00 20.72 20.722 12 AMERICAN INTL GRP 12,337 10,480 54.29 55.42 14.56 35.273 626 ACE LTD GRP 11,929 11,748 4.44 6.29 14.08 49.354 212 ZURICH INS GRP 5,415 4,935 1.99 2.48 6.39 55.745 218 CNA INS GRP 2,878 2,879 91.30 95.88 3.40 59.146 3416 AXIS CAPITAL GRP 2,865 4,895 -5.95 -7.55 3.38 62.527 200 UNITED SERV AUTOMOBILE ASSN GRP 2,640 2,612 17.33 17.35 3.12 65.638 4576 GNW ACQUSITION CORP GRO 2,230 2,198 14.07 15.06 2.63 68.279 140 NATIONWIDE CORP GRP 2,060 2,150 -4.93 -4.93 2.43 70.7010 19 ASSURANT INC GRP 2,055 1,748 11.88 11.86 2.43 73.12

**STATE TOTAL** 84,739 82,729 16.66 17.58 100.00 100.00. .

Idaho 1 65 FM GLOBAL GRP 4,738 4,963 1.88 1.88 14.16 14.162 761 ALLIANZ INS GRP 4,220 4,149 10.94 10.61 12.61 26.783 111 LIBERTY MUT GRP 2,119 2,125 52.55 52.86 6.33 33.114 3548 TRAVELERS GRP 1,905 1,841 5.58 6.39 5.69 38.805 3786 ENDURANCE GRP 1,730 1,730 382.59 384.30 5.17 43.976 306 CUNA MUT GRP 1,685 1,685 264.00 268.00 5.04 49.017 626 ACE LTD GRP 1,583 1,555 46.96 47.05 4.73 53.748 12 AMERICAN INTL GRP 1,309 1,002 16.72 17.57 3.91 57.659 158 FAIRFAX FIN GRP 1,262 1,272 84.86 85.33 3.77 61.4310 19 ASSURANT INC GRP 1,117 1,013 9.19 9.19 3.34 64.76

**STATE TOTAL** 33,456 32,978 82.39 83.05 100.00 100.00. .

Illinois 1 65 FM GLOBAL GRP 39,226 40,245 11.59 11.64 12.97 12.972 12 AMERICAN INTL GRP 29,544 28,640 63.11 65.48 9.77 22.743 1281 BANKAMERICA CORP GRP 22,765 16,291 35.25 35.35 7.53 30.274 3548 TRAVELERS GRP 19,654 19,216 -10.22 -12.12 6.50 36.775 19 ASSURANT INC GRP 17,640 17,282 35.11 35.11 5.83 42.606 50 COUNTRY INS & FIN SERV GRP 14,826 15,170 68.75 68.79 4.90 47.507 212 ZURICH INS GRP 12,874 13,003 51.04 53.63 4.26 51.768 761 ALLIANZ INS GRP 11,813 11,604 23.57 20.50 3.91 55.679 84 AMERICAN FINANCIAL GRP 11,561 11,370 31.01 31.36 3.82 59.4910 218 CNA INS GRP 8,496 10,065 43.00 51.77 2.81 62.30

**STATE TOTAL** 302,407 293,014 46.50 47.60 100.00 100.00. .

Indiana 1 12 AMERICAN INTL GRP 17,865 16,855 25.78 27.05 13.64 13.642 65 FM GLOBAL GRP 17,844 18,190 0.08 -0.05 13.63 27.273 3548 TRAVELERS GRP 8,060 7,594 25.55 24.40 6.16 33.434 19 ASSURANT INC GRP 6,510 6,235 39.26 39.26 4.97 38.405 569 FARMERS MUT HAIL INS GRP 6,214 6,214 15.47 15.55 4.75 43.156 1281 BANKAMERICA CORP GRP 6,024 4,271 28.44 28.57 4.60 47.757 212 ZURICH INS GRP 5,995 6,318 35.71 47.98 4.58 52.338 111 LIBERTY MUT GRP 5,176 5,480 32.26 31.31 3.95 56.289 242 SELECTIVE INS GRP 4,041 3,899 102.82 103.17 3.09 59.3610 361 MUNICH RE GRP 3,486 3,236 36.80 37.08 2.66 62.03

**STATE TOTAL** 130,937 128,489 45.75 48.31 100.00 100.00. .

Iowa 1 569 FARMERS MUT HAIL INS GRP 23,756 23,756 157.87 157.89 16.70 16.702 62 EMC INS CO GRP 16,575 16,159 45.47 45.68 11.65 28.353 65 FM GLOBAL GRP 9,418 9,774 3.63 3.55 6.62 34.974 761 ALLIANZ INS GRP 8,120 8,131 21.50 21.54 5.71 40.675 626 ACE LTD GRP 6,407 6,836 81.80 81.89 4.50 45.186 84 AMERICAN FINANCIAL GRP 6,228 6,257 137.73 137.73 4.38 49.567 25240 NAU COUNTRY INS CO 6,127 6,127 122.61 122.61 4.31 53.868 513 IOWA FARM BUREAU GRP 4,459 4,458 160.02 160.02 3.13 57.009 140 NATIONWIDE CORP GRP 4,280 4,294 103.84 104.73 3.01 60.0010 248 UNITED FIRE & CAS GRP 4,267 4,238 84.85 86.39 3.00 63.00

**STATE TOTAL** 142,275 141,489 86.93 87.56 100.00 100.00. .

Kansas 1 569 FARMERS MUT HAIL INS GRP 17,944 17,944 97.78 97.83 12.58 12.582 62 EMC INS CO GRP 14,526 14,242 69.61 69.53 10.18 22.763 761 ALLIANZ INS GRP 12,979 12,773 31.05 30.65 9.10 31.86




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 84 AMERICAN FINANCIAL GRP 9,317 9,273 95.92 97.73 6.53 38.395 65 FM GLOBAL GRP 7,816 8,619 76.56 78.75 5.48 43.876 3548 TRAVELERS GRP 7,779 7,209 331.92 341.11 5.45 49.327 513 IOWA FARM BUREAU GRP 5,383 5,383 114.94 114.94 3.77 53.108 12 AMERICAN INTL GRP 5,002 4,710 -9.61 -8.50 3.51 56.619 626 ACE LTD GRP 4,898 5,618 160.63 178.23 3.43 60.0410 111 LIBERTY MUT GRP 4,526 4,457 56.04 56.15 3.17 63.21

**STATE TOTAL** 142,649 141,358 102.36 104.28 100.00 100.00. .

Kentucky 1 65 FM GLOBAL GRP 16,872 18,702 -1.35 -1.52 20.96 20.962 111 LIBERTY MUT GRP 5,386 5,625 87.56 87.34 6.69 27.653 12 AMERICAN INTL GRP 4,824 5,562 123.03 124.89 5.99 33.654 84 AMERICAN FINANCIAL GRP 4,746 4,194 19.39 21.59 5.90 39.545 175 STATE AUTO MUT GRP 4,611 4,575 128.80 129.06 5.73 45.276 212 ZURICH INS GRP 4,479 4,088 80.41 81.59 5.56 50.847 3548 TRAVELERS GRP 4,104 4,001 39.02 38.21 5.10 55.938 19 ASSURANT INC GRP 2,650 2,558 47.36 47.38 3.29 59.239 761 ALLIANZ INS GRP 2,500 2,505 14.27 15.42 3.11 62.3310 1281 BANKAMERICA CORP GRP 2,341 1,484 43.34 43.50 2.91 65.24

**STATE TOTAL** 80,491 81,749 62.40 63.21 100.00 100.00. .

Louisiana 1 LOUISIANA CITIZENS PROPERTY INS. 92,830 99,019 26.69 30.65 24.97 24.972 12 AMERICAN INTL GRP 35,046 32,814 -32.54 -29.33 9.43 34.393 501 ALLEGHANY GRP 21,593 20,775 34.92 37.67 5.81 40.204 626 ACE LTD GRP 21,308 22,046 15.89 15.23 5.73 45.935 212 ZURICH INS GRP 21,135 20,369 -119.20 -112.80 5.68 51.626 65 FM GLOBAL GRP 13,215 12,602 91.21 96.30 3.55 55.177 140 NATIONWIDE CORP GRP 12,303 11,734 0.29 8.49 3.31 58.488 3416 AXIS CAPITAL GRP 12,264 13,888 -77.42 -75.46 3.30 61.789 218 CNA INS GRP 11,960 11,922 -213.34 -204.20 3.22 64.9910 19 ASSURANT INC GRP 10,840 10,131 18.98 18.98 2.92 67.91

**STATE TOTAL** 371,813 368,630 1.97 4.92 100.00 100.00. .

Maine 1 65 FM GLOBAL GRP 4,109 4,291 16.06 16.52 15.39 15.392 22 ANDOVER GRP 1,816 1,755 70.03 70.96 6.80 22.203 212 ZURICH INS GRP 1,722 1,654 17.11 18.00 6.45 28.654 98 WR BERKLEY CORP GRP 1,616 1,687 36.56 36.63 6.05 34.705 1129 WHITE MOUNTAINS GRP 1,323 1,339 56.48 57.28 4.96 39.666 111 LIBERTY MUT GRP 1,286 1,340 63.50 63.48 4.82 44.487 3548 TRAVELERS GRP 1,221 1,163 33.10 35.93 4.57 49.058 408 AMERICAN NATL FIN GRP 1,166 1,128 82.77 82.19 4.37 53.429 234 VERMONT MUT GRP 1,065 1,010 43.03 42.92 3.99 57.4110 12 AMERICAN INTL GRP 1,049 903 73.17 76.21 3.93 61.34

**STATE TOTAL** 26,695 25,689 37.81 38.57 100.00 100.00. .

Maryland 1 12 AMERICAN INTL GRP 13,178 13,727 45.46 47.79 12.91 12.912 65 FM GLOBAL GRP 12,614 12,429 13.49 13.81 12.36 25.273 3548 TRAVELERS GRP 11,024 10,614 43.31 44.21 10.80 36.074 19 ASSURANT INC GRP 6,966 6,400 16.02 16.02 6.83 42.905 242 SELECTIVE INS GRP 5,668 5,576 70.37 70.89 5.55 48.456 212 ZURICH INS GRP 5,277 5,711 52.36 54.93 5.17 53.627 1281 BANKAMERICA CORP GRP 5,170 3,745 20.64 20.68 5.07 58.698 111 LIBERTY MUT GRP 4,023 4,094 34.21 33.44 3.94 62.639 501 ALLEGHANY GRP 3,464 3,630 1.30 1.33 3.39 66.0210 200 UNITED SERV AUTOMOBILE ASSN GRP 3,187 2,782 88.25 88.43 3.12 69.14

**STATE TOTAL** 102,065 97,871 34.05 35.26 100.00 100.00. .

Massachusetts 1 65 FM GLOBAL GRP 31,095 31,055 36.05 36.84 16.93 16.932 12 AMERICAN INTL GRP 21,561 19,680 44.56 47.06 11.74 28.673 1129 WHITE MOUNTAINS GRP 11,288 11,799 53.82 58.27 6.15 34.824 3548 TRAVELERS GRP 10,587 10,465 47.92 50.57 5.76 40.585 22 ANDOVER GRP 10,352 10,441 51.42 52.94 5.64 46.226 212 ZURICH INS GRP 9,496 10,668 27.89 30.08 5.17 51.397 111 LIBERTY MUT GRP 6,082 6,238 30.05 30.74 3.31 54.708 1281 BANKAMERICA CORP GRP 5,912 3,997 24.21 24.29 3.22 57.92




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 19 ASSURANT INC GRP 5,593 5,333 22.30 22.30 3.05 60.9710 234 VERMONT MUT GRP 5,405 5,128 29.51 29.38 2.94 63.91

**STATE TOTAL** 183,647 179,077 45.50 46.93 100.00 100.00. .

Michigan 1 12 AMERICAN INTL GRP 39,587 37,125 18.45 20.16 19.46 19.462 1281 BANKAMERICA CORP GRP 28,330 25,097 30.76 30.97 13.93 33.393 65 FM GLOBAL GRP 21,038 21,090 -1.95 -2.51 10.34 43.734 19 ASSURANT INC GRP 11,124 11,185 35.75 35.75 5.47 49.205 212 ZURICH INS GRP 10,096 10,145 41.96 44.95 4.96 54.166 3548 TRAVELERS GRP 6,971 7,219 74.11 76.83 3.43 57.597 84 AMERICAN FINANCIAL GRP 6,060 5,362 31.88 31.19 2.98 60.578 34029 MICHIGAN BASIC PROP INS ASSN 5,620 5,958 44.02 46.50 2.76 63.339 361 MUNICH RE GRP 4,866 4,327 84.86 84.51 2.39 65.7210 761 ALLIANZ INS GRP 4,664 4,329 -5.10 -0.26 2.29 68.02

**STATE TOTAL** 203,418 196,432 37.80 39.20 100.00 100.00. .

Minnesota 1 698 NORTH STAR CO GRP 40,432 39,699 37.46 37.60 19.00 19.002 518 GRINNELL MUT GRP 18,767 18,504 44.91 44.99 8.82 27.823 761 ALLIANZ INS GRP 17,109 16,960 32.18 32.30 8.04 35.864 65 FM GLOBAL GRP 13,488 13,824 0.98 0.76 6.34 42.205 569 FARMERS MUT HAIL INS GRP 12,242 12,242 24.52 24.57 5.75 47.956 3548 TRAVELERS GRP 7,330 7,180 59.11 61.09 3.44 51.397 25240 NAU COUNTRY INS CO 6,650 6,650 52.04 52.04 3.12 54.528 1285 XL AMER GRP 6,168 6,291 100.12 101.04 2.90 57.429 218 CNA INS GRP 5,316 5,586 237.55 241.81 2.50 59.9110 12 AMERICAN INTL GRP 4,952 5,065 48.83 50.83 2.33 62.24

**STATE TOTAL** 212,808 208,909 45.73 46.41 100.00 100.00. .

Mississippi 1 483 SOUTHERN FARM BUREAU CAS GRP 11,362 11,446 48.73 48.35 9.28 9.282 12 AMERICAN INTL GRP 10,299 10,230 139.14 151.73 8.41 17.693 501 ALLEGHANY GRP 9,389 9,852 -38.66 -33.95 7.67 25.364 626 ACE LTD GRP 8,695 9,090 112.31 114.51 7.10 32.465 3548 TRAVELERS GRP 7,425 7,276 -10.87 -15.94 6.06 38.526 65 FM GLOBAL GRP 6,744 7,004 -131.27 -132.62 5.51 44.037 218 CNA INS GRP 6,029 4,449 -488.21 -480.90 4.92 48.958 140 NATIONWIDE CORP GRP 4,584 4,200 34.34 35.99 3.74 52.699 1281 BANKAMERICA CORP GRP 4,133 2,950 27.49 30.23 3.38 56.0710 111 LIBERTY MUT GRP 4,046 3,211 33.85 31.26 3.30 59.37

**STATE TOTAL** 122,459 119,663 1.01 3.87 100.00 100.00. .

Missouri 1 65 FM GLOBAL GRP 17,989 18,999 12.25 12.34 12.14 12.142 12 AMERICAN INTL GRP 16,869 17,759 90.85 103.13 11.38 23.533 123 SHELTER INS GRP 11,031 10,583 66.01 65.99 7.45 30.974 3548 TRAVELERS GRP 9,628 9,107 35.14 33.80 6.50 37.475 212 ZURICH INS GRP 7,845 6,989 86.39 91.58 5.29 42.766 111 LIBERTY MUT GRP 6,009 6,062 41.46 41.28 4.06 46.827 84 AMERICAN FINANCIAL GRP 5,761 5,300 62.73 63.28 3.89 50.718 1281 BANKAMERICA CORP GRP 5,611 3,963 32.49 32.62 3.79 54.499 218 CNA INS GRP 5,413 6,203 37.43 42.12 3.65 58.1510 569 FARMERS MUT HAIL INS GRP 5,155 5,155 34.59 34.68 3.48 61.63

**STATE TOTAL** 148,171 145,556 58.82 61.11 100.00 100.00. .

Montana 1 111 LIBERTY MUT GRP 2,871 2,733 42.82 42.36 12.60 12.602 3548 TRAVELERS GRP 2,062 1,962 53.26 51.39 9.05 21.653 65 FM GLOBAL GRP 1,753 1,839 0.00 0.00 7.70 29.344 62 EMC INS CO GRP 1,742 1,771 26.40 26.44 7.65 36.995 212 ZURICH INS GRP 1,651 1,393 18.40 18.50 7.25 44.246 626 ACE LTD GRP 1,226 1,513 -102.74 -102.89 5.38 49.627 796 QBE INS GRP 961 765 46.88 50.22 4.22 53.848 140 NATIONWIDE CORP GRP 806 815 70.32 71.14 3.54 57.389 12 AMERICAN INTL GRP 692 557 27.20 27.45 3.04 60.4110 3786 ENDURANCE GRP 689 699 147.34 149.07 3.02 63.43

**STATE TOTAL** 22,785 21,985 30.90 30.81 100.00 100.00. .

Nebraska 1 569 FARMERS MUT HAIL INS GRP 23,840 23,840 109.39 109.39 15.91 15.91




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 12 AMERICAN INTL GRP 20,699 20,108 47.72 48.38 13.81 29.733 25240 NAU COUNTRY INS CO 14,325 14,325 196.01 196.01 9.56 39.294 761 ALLIANZ INS GRP 13,881 13,906 23.88 23.85 9.26 48.555 84 AMERICAN FINANCIAL GRP 9,985 9,990 90.71 90.72 6.66 55.216 1331 GLENCOE US HOLDINGS GRP 8,547 8,555 399.64 399.64 5.70 60.927 626 ACE LTD GRP 8,458 8,986 69.81 69.85 5.65 66.568 62 EMC INS CO GRP 5,709 5,657 31.65 31.78 3.81 70.379 65 FM GLOBAL GRP 4,152 4,007 -1.45 -2.26 2.77 73.1410 13889 FARMERS MUT INS CO OF NE 3,219 3,183 126.78 126.46 2.15 75.29

**STATE TOTAL** 149,834 148,482 107.32 107.61 100.00 100.00. .

Nevada 1 65 FM GLOBAL GRP 22,340 20,749 12.84 13.07 29.10 29.102 3548 TRAVELERS GRP 8,423 8,431 46.58 51.56 10.97 40.073 12 AMERICAN INTL GRP 7,045 9,036 54.00 55.24 9.18 49.244 1281 BANKAMERICA CORP GRP 6,884 4,886 12.88 13.01 8.97 58.215 19 ASSURANT INC GRP 3,979 4,263 17.26 17.26 5.18 63.396 111 LIBERTY MUT GRP 3,432 3,354 25.92 25.62 4.47 67.867 212 ZURICH INS GRP 3,418 3,745 6.84 8.10 4.45 72.318 218 CNA INS GRP 3,080 3,517 3.86 8.78 4.01 76.329 501 ALLEGHANY GRP 2,006 1,748 5.83 8.07 2.61 78.9310 200 UNITED SERV AUTOMOBILE ASSN GRP 1,915 1,685 60.36 60.58 2.49 81.43

**STATE TOTAL** 76,781 75,626 17.00 18.33 100.00 100.00. .

New Hampshire 1 65 FM GLOBAL GRP 3,122 3,090 3.53 3.59 13.18 13.182 22 ANDOVER GRP 1,807 1,797 34.98 35.32 7.63 20.803 212 ZURICH INS GRP 1,581 1,553 2.18 2.71 6.67 27.484 111 LIBERTY MUT GRP 1,497 1,635 24.51 24.31 6.32 33.805 12 AMERICAN INTL GRP 1,259 1,492 19.62 20.55 5.31 39.116 98 WR BERKLEY CORP GRP 1,107 1,130 21.43 23.20 4.67 43.787 234 VERMONT MUT GRP 1,000 915 33.34 33.27 4.22 48.008 408 AMERICAN NATL FIN GRP 981 951 54.32 53.41 4.14 52.159 19 ASSURANT INC GRP 904 865 27.36 27.36 3.82 55.9610 1281 BANKAMERICA CORP GRP 846 557 24.74 25.21 3.57 59.53

**STATE TOTAL** 23,691 23,133 24.19 24.30 100.00 100.00. .

New Jersey 1 12 AMERICAN INTL GRP 26,686 26,028 51.21 55.73 12.15 12.152 65 FM GLOBAL GRP 21,668 21,646 28.44 28.66 9.87 22.023 19 ASSURANT INC GRP 17,293 16,193 16.74 16.74 7.88 29.904 242 SELECTIVE INS GRP 13,087 12,913 23.65 24.68 5.96 35.865 212 ZURICH INS GRP 12,791 14,391 121.37 123.86 5.83 41.696 3548 TRAVELERS GRP 11,148 11,240 49.01 52.89 5.08 46.767 1281 BANKAMERICA CORP GRP 10,784 7,675 23.17 23.19 4.91 51.688 218 CNA INS GRP 7,841 9,426 17.24 18.10 3.57 55.259 762 FRANKLIN MUT GRP 7,454 7,308 28.27 27.86 3.40 58.6410 308 PHILADELPHIA CONTRIBUTIONSHIP GRP 6,699 6,731 41.00 41.77 3.05 61.69

**STATE TOTAL** 219,554 216,013 37.36 38.07 100.00 100.00. .

New Mexico 1 111 LIBERTY MUT GRP 2,973 2,869 44.30 45.17 8.98 8.982 3548 TRAVELERS GRP 2,928 2,921 21.86 34.97 8.85 17.833 12 AMERICAN INTL GRP 2,818 3,490 41.83 42.38 8.52 26.344 65 FM GLOBAL GRP 2,811 2,998 -5.76 -5.89 8.49 34.845 3489 DELEK GRP 2,592 1,645 49.04 50.15 7.83 42.676 212 ZURICH INS GRP 2,170 1,677 5.15 3.29 6.56 49.237 19 ASSURANT INC GRP 2,069 1,909 30.62 30.63 6.25 55.488 200 UNITED SERV AUTOMOBILE ASSN GRP 1,696 1,513 46.91 47.07 5.12 60.609 140 NATIONWIDE CORP GRP 1,494 1,479 100.90 103.33 4.51 65.1210 1281 BANKAMERICA CORP GRP 1,295 862 15.12 15.16 3.91 69.03

**STATE TOTAL** 33,095 31,505 34.59 36.83 100.00 100.00. .

New York 1 12 AMERICAN INTL GRP 71,172 83,208 62.41 64.67 15.90 15.902 65 FM GLOBAL GRP 55,162 55,294 10.73 10.58 12.32 28.223 3548 TRAVELERS GRP 45,191 44,786 40.25 42.20 10.09 38.314 19 ASSURANT INC GRP 27,181 23,109 16.41 16.44 6.07 44.385 212 ZURICH INS GRP 24,118 26,058 34.70 35.54 5.39 49.776 1281 BANKAMERICA CORP GRP 20,853 15,040 19.32 19.38 4.66 54.43




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 218 CNA INS GRP 18,515 22,127 45.84 48.93 4.14 58.568 761 ALLIANZ INS GRP 17,750 17,418 35.99 75.61 3.96 62.539 34843 NEW YORK SCHOOLS INS RECIP 16,338 16,251 31.77 32.38 3.65 66.1810 1285 XL AMER GRP 13,333 15,746 36.67 40.67 2.98 69.15

**STATE TOTAL** 447,712 454,767 37.20 40.02 100.00 100.00. .

North Carolina 1 65 FM GLOBAL GRP 32,396 33,300 2.77 2.65 14.72 14.722 324 NORTH CAROLINA FARM BUREAU GRP 25,557 25,096 44.81 44.87 11.61 26.333 12 AMERICAN INTL GRP 14,064 15,112 55.61 56.55 6.39 32.724 1281 BANKAMERICA CORP GRP 12,568 9,743 16.30 16.66 5.71 38.435 3548 TRAVELERS GRP 10,812 10,559 41.54 43.86 4.91 43.346 140 NATIONWIDE CORP GRP 10,153 10,240 45.71 46.01 4.61 47.957 200 UNITED SERV AUTOMOBILE ASSN GRP 9,562 9,022 32.68 32.78 4.34 52.308 626 ACE LTD GRP 8,872 7,952 25.11 26.15 4.03 56.339 19 ASSURANT INC GRP 8,025 7,181 20.60 20.60 3.65 59.9710 111 LIBERTY MUT GRP 7,525 9,807 16.99 16.63 3.42 63.39

**STATE TOTAL** 220,120 219,394 27.76 27.67 100.00 100.00. .

North Dakota 1 761 ALLIANZ INS GRP 18,654 18,611 33.65 33.65 20.39 20.392 569 FARMERS MUT HAIL INS GRP 18,488 18,488 22.37 22.40 20.21 40.613 25240 NAU COUNTRY INS CO 9,517 9,517 23.87 23.87 10.40 51.014 626 ACE LTD GRP 7,965 8,800 86.01 86.03 8.71 59.725 3500 NODAK MUT GRP 5,812 5,794 17.88 20.98 6.35 66.076 306 CUNA MUT GRP 4,225 4,225 18.24 21.70 4.62 70.697 84 AMERICAN FINANCIAL GRP 3,822 3,822 8.32 12.14 4.18 74.878 65 FM GLOBAL GRP 3,043 5,189 0.14 0.15 3.33 78.209 11101 HARTLAND MUT INS CO 2,217 2,170 57.83 57.83 2.42 80.6210 62 EMC INS CO GRP 1,757 1,684 98.97 99.89 1.92 82.54

**STATE TOTAL** 91,468 94,247 34.67 35.33 100.00 100.00. .

Ohio 1 65 FM GLOBAL GRP 33,726 34,524 3.06 3.50 16.53 16.532 19 ASSURANT INC GRP 17,038 16,830 29.27 29.27 8.35 24.893 12 AMERICAN INTL GRP 15,671 15,533 47.54 50.04 7.68 32.574 212 ZURICH INS GRP 14,839 14,680 21.57 22.73 7.27 39.845 3548 TRAVELERS GRP 10,902 10,378 -27.48 -27.29 5.34 45.196 84 AMERICAN FINANCIAL GRP 9,558 8,213 24.56 24.19 4.69 49.877 1281 BANKAMERICA CORP GRP 9,148 6,563 28.93 29.23 4.48 54.368 175 STATE AUTO MUT GRP 8,858 8,677 74.98 76.04 4.34 58.709 111 LIBERTY MUT GRP 7,975 8,584 34.70 33.35 3.91 62.6110 244 CINCINNATI FIN GRP 7,522 7,172 104.75 106.43 3.69 66.29

**STATE TOTAL** 203,993 199,459 36.62 37.35 100.00 100.00. .

Oklahoma 1 3548 TRAVELERS GRP 11,797 10,895 201.82 207.01 10.39 10.392 220 OKLAHOMA FARM BUREAU GRP 8,793 8,046 193.64 194.31 7.75 18.143 123 SHELTER INS GRP 7,939 7,576 132.97 133.52 6.99 25.144 65 FM GLOBAL GRP 7,683 7,502 275.58 278.69 6.77 31.905 12 AMERICAN INTL GRP 6,646 5,642 15.84 15.90 5.86 37.766 212 ZURICH INS GRP 4,702 4,569 52.63 59.87 4.14 41.907 111 LIBERTY MUT GRP 4,169 4,258 91.41 90.42 3.67 45.588 361 MUNICH RE GRP 4,120 3,897 47.41 49.33 3.63 49.219 200 UNITED SERV AUTOMOBILE ASSN GRP 3,930 3,457 123.82 123.82 3.46 52.6710 408 AMERICAN NATL FIN GRP 3,446 3,291 127.82 128.49 3.04 55.71

**STATE TOTAL** 113,498 108,616 121.09 122.90 100.00 100.00. .

Oregon 1 65 FM GLOBAL GRP 13,261 14,067 8.84 8.92 21.57 21.572 12 AMERICAN INTL GRP 8,192 7,601 189.83 190.93 13.32 34.893 111 LIBERTY MUT GRP 5,505 5,459 45.49 45.90 8.95 43.844 212 ZURICH INS GRP 3,164 2,961 13.32 14.37 5.15 48.995 19 ASSURANT INC GRP 2,769 2,504 14.98 14.98 4.50 53.496 1281 BANKAMERICA CORP GRP 2,426 1,602 17.68 17.76 3.94 57.447 3548 TRAVELERS GRP 2,331 2,270 25.66 27.74 3.79 61.238 761 ALLIANZ INS GRP 2,081 2,113 9.03 10.59 3.38 64.619 218 CNA INS GRP 1,968 2,439 34.77 40.94 3.20 67.8110 626 ACE LTD GRP 1,632 1,751 11.74 8.82 2.65 70.47

**STATE TOTAL** 61,489 60,492 47.57 48.58 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Pennsylvania 1 65 FM GLOBAL GRP 43,930 45,925 10.34 11.71 18.10 18.10

2 12 AMERICAN INTL GRP 21,093 20,740 42.21 45.91 8.69 26.793 212 ZURICH INS GRP 17,737 18,026 33.85 35.83 7.31 34.104 3548 TRAVELERS GRP 16,940 16,361 6.47 6.81 6.98 41.085 84 AMERICAN FINANCIAL GRP 13,595 12,419 26.51 26.49 5.60 46.686 1281 BANKAMERICA CORP GRP 13,564 11,930 81.30 81.02 5.59 52.277 111 LIBERTY MUT GRP 10,313 10,895 31.84 31.73 4.25 56.528 242 SELECTIVE INS GRP 9,332 9,295 48.09 48.71 3.85 60.379 19 ASSURANT INC GRP 8,767 8,301 22.87 22.87 3.61 63.9810 218 CNA INS GRP 7,208 8,886 -85.81 -82.06 2.97 66.95

**STATE TOTAL** 242,693 240,144 29.86 31.11 100.00 100.00. .

Rhode Island 1 65 FM GLOBAL GRP 5,641 5,426 4.71 5.08 18.00 18.002 12 AMERICAN INTL GRP 2,196 2,098 16.84 21.91 7.01 25.013 22 ANDOVER GRP 1,849 1,788 46.04 46.38 5.90 30.914 242 SELECTIVE INS GRP 1,627 1,582 45.42 46.47 5.19 36.115 111 LIBERTY MUT GRP 1,298 1,440 48.87 49.08 4.14 40.256 19 ASSURANT INC GRP 1,272 1,231 16.33 16.33 4.06 44.317 212 ZURICH INS GRP 1,165 1,144 19.99 20.20 3.72 48.038 501 ALLEGHANY GRP 1,116 1,012 -0.68 -0.70 3.56 51.599 1281 BANKAMERICA CORP GRP 1,089 737 22.88 22.94 3.48 55.0710 3548 TRAVELERS GRP 1,063 1,013 15.76 14.31 3.39 58.46

**STATE TOTAL** 31,331 30,149 33.10 34.23 100.00 100.00. .

South Carolina 1 12 AMERICAN INTL GRP 17,640 17,560 96.06 97.67 11.15 11.152 65 FM GLOBAL GRP 13,444 14,774 42.04 42.85 8.50 19.653 501 ALLEGHANY GRP 10,840 10,726 1.99 1.86 6.85 26.514 626 ACE LTD GRP 9,752 9,214 2.14 1.81 6.17 32.675 3416 AXIS CAPITAL GRP 8,659 9,137 -21.29 -21.72 5.48 38.156 212 ZURICH INS GRP 8,048 8,524 25.56 25.62 5.09 43.247 1279 ARCH INS GRP 7,948 8,397 7.20 7.87 5.03 48.268 19 ASSURANT INC GRP 6,390 5,434 30.94 30.93 4.04 52.309 3548 TRAVELERS GRP 5,936 5,925 60.36 61.67 3.75 56.0610 140 NATIONWIDE CORP GRP 5,801 5,535 43.37 44.12 3.67 59.73

**STATE TOTAL** 158,156 156,826 29.77 30.20 100.00 100.00. .

South Dakota 1 84 AMERICAN FINANCIAL GRP 11,333 11,333 95.01 96.83 21.84 21.842 761 ALLIANZ INS GRP 6,330 6,371 48.31 48.42 12.20 34.043 626 ACE LTD GRP 6,220 6,691 86.56 86.59 11.99 46.034 569 FARMERS MUT HAIL INS GRP 4,879 4,878 62.39 62.52 9.40 55.435 25240 NAU COUNTRY INS CO 2,562 2,562 137.91 137.91 4.94 60.376 1285 XL AMER GRP 1,796 1,800 159.68 162.31 3.46 63.837 306 CUNA MUT GRP 1,701 1,701 104.55 108.51 3.28 67.118 248 UNITED FIRE & CAS GRP 1,391 1,324 62.30 63.64 2.68 69.799 65 FM GLOBAL GRP 1,328 1,815 14.26 14.59 2.56 72.3510 698 NORTH STAR CO GRP 1,249 1,141 118.19 118.20 2.41 74.75

**STATE TOTAL** 51,889 52,617 89.78 90.83 100.00 100.00. .

Tennessee 1 65 FM GLOBAL GRP 27,412 26,716 0.79 -0.34 20.96 20.962 3548 TRAVELERS GRP 11,822 11,233 68.52 70.51 9.04 30.003 12 AMERICAN INTL GRP 7,740 10,444 29.58 29.14 5.92 35.914 694 TENNESSEE FARMERS GRP 7,595 7,440 305.56 307.15 5.81 41.725 111 LIBERTY MUT GRP 6,098 6,367 45.06 43.64 4.66 46.386 19 ASSURANT INC GRP 5,624 5,440 46.56 46.56 4.30 50.687 1281 BANKAMERICA CORP GRP 5,618 3,903 23.73 23.75 4.30 54.988 212 ZURICH INS GRP 5,473 5,682 120.62 127.77 4.18 59.169 501 ALLEGHANY GRP 3,935 3,859 14.36 14.46 3.01 62.1710 175 STATE AUTO MUT GRP 3,796 3,692 76.36 77.62 2.90 65.07

**STATE TOTAL** 130,797 128,488 53.73 54.36 100.00 100.00. .

Texas 1 12 AMERICAN INTL GRP 120,438 122,368 66.52 70.84 12.12 12.122 212 ZURICH INS GRP 81,206 80,737 -25.28 -14.96 8.17 20.293 3548 TRAVELERS GRP 56,793 57,789 151.75 153.87 5.71 26.014 65 FM GLOBAL GRP 55,977 54,726 45.00 45.59 5.63 31.64




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 626 ACE LTD GRP 44,738 43,090 0.88 -4.00 4.50 36.146 501 ALLEGHANY GRP 39,917 35,185 -22.52 -18.81 4.02 40.167 3489 DELEK GRP 38,446 36,781 62.09 65.01 3.87 44.038 361 MUNICH RE GRP 36,949 34,036 21.21 21.30 3.72 47.749 19 ASSURANT INC GRP 30,121 28,849 63.65 63.65 3.03 50.7710 200 UNITED SERV AUTOMOBILE ASSN GRP 29,955 28,190 56.44 56.42 3.01 53.79

**STATE TOTAL** 993,781 979,379 54.76 57.67 100.00 100.00. .

Utah 1 65 FM GLOBAL GRP 9,738 9,542 4.51 3.84 22.84 22.842 19 ASSURANT INC GRP 7,455 7,309 39.58 39.58 17.49 40.333 12 AMERICAN INTL GRP 4,078 3,467 256.51 259.88 9.57 49.904 3548 TRAVELERS GRP 2,426 2,331 31.23 32.95 5.69 55.595 84 AMERICAN FINANCIAL GRP 2,001 1,988 27.90 27.91 4.69 60.286 111 LIBERTY MUT GRP 1,836 1,804 30.07 29.32 4.31 64.597 212 ZURICH INS GRP 1,765 2,058 17.51 19.54 4.14 68.738 796 QBE INS GRP 1,645 1,591 27.63 28.32 3.86 72.599 1281 BANKAMERICA CORP GRP 1,610 1,100 25.03 26.39 3.78 76.3610 140 NATIONWIDE CORP GRP 1,344 1,378 70.20 71.00 3.15 79.52

**STATE TOTAL** 42,630 41,702 56.55 57.69 100.00 100.00. .

Vermont 1 65 FM GLOBAL GRP 3,031 2,874 24.80 25.22 25.34 25.342 408 AMERICAN NATL FIN GRP 960 937 78.69 79.00 8.03 33.373 18686 CO OPERATIVE INS CO 847 840 66.22 68.04 7.08 40.454 212 ZURICH INS GRP 720 744 21.20 21.47 6.02 46.475 111 LIBERTY MUT GRP 693 682 17.64 17.32 5.79 52.276 234 VERMONT MUT GRP 655 628 49.35 49.23 5.48 57.757 12 AMERICAN INTL GRP 578 770 12.10 12.98 4.83 62.588 98 WR BERKLEY CORP GRP 548 857 30.68 31.19 4.58 67.169 3548 TRAVELERS GRP 526 517 22.66 24.34 4.40 71.5610 244 CINCINNATI FIN GRP 372 389 103.92 108.26 3.11 74.67

**STATE TOTAL** 11,960 12,308 38.60 39.98 100.00 100.00. .

Virginia 1 65 FM GLOBAL GRP 24,004 25,640 1.65 1.48 16.57 16.572 12 AMERICAN INTL GRP 17,596 17,582 55.98 59.30 12.14 28.713 3548 TRAVELERS GRP 16,238 15,644 57.51 60.54 11.21 39.924 200 UNITED SERV AUTOMOBILE ASSN GRP 10,645 9,405 61.93 62.22 7.35 47.275 212 ZURICH INS GRP 7,521 6,933 36.25 36.87 5.19 52.466 19 ASSURANT INC GRP 5,790 5,572 16.94 16.93 4.00 56.457 242 SELECTIVE INS GRP 5,451 5,386 57.14 57.86 3.76 60.218 140 NATIONWIDE CORP GRP 5,174 5,294 56.30 56.98 3.57 63.799 1281 BANKAMERICA CORP GRP 5,173 3,729 7.69 7.90 3.57 67.3610 501 ALLEGHANY GRP 4,352 4,010 3.92 4.35 3.00 70.36

**STATE TOTAL** 144,888 141,190 38.80 39.79 100.00 100.00. .

Washington 1 65 FM GLOBAL GRP 25,130 25,245 16.17 16.33 20.53 20.532 111 LIBERTY MUT GRP 11,542 11,589 42.91 45.28 9.43 29.953 12 AMERICAN INTL GRP 8,559 9,189 123.96 131.25 6.99 36.954 84 AMERICAN FINANCIAL GRP 6,735 6,276 23.37 23.56 5.50 42.455 200 UNITED SERV AUTOMOBILE ASSN GRP 5,880 5,109 71.93 71.81 4.80 47.256 3548 TRAVELERS GRP 5,864 8,116 146.94 153.18 4.79 52.047 218 CNA INS GRP 4,996 5,971 232.56 238.09 4.08 56.128 19 ASSURANT INC GRP 4,832 4,372 26.03 26.03 3.95 60.079 1281 BANKAMERICA CORP GRP 4,109 2,712 20.63 20.83 3.36 63.4210 212 ZURICH INS GRP 3,079 3,040 10.71 10.96 2.52 65.94

**STATE TOTAL** 122,429 121,808 75.88 78.43 100.00 100.00. .

West Virginia 1 65 FM GLOBAL GRP 3,537 3,855 -458.31 -489.13 10.91 10.912 408 AMERICAN NATL FIN GRP 2,946 2,912 93.45 93.47 9.09 20.003 3548 TRAVELERS GRP 2,431 2,375 27.33 25.74 7.50 27.504 12 AMERICAN INTL GRP 2,108 1,707 80.49 82.86 6.50 34.005 212 ZURICH INS GRP 2,085 1,273 21.66 20.45 6.43 40.446 175 STATE AUTO MUT GRP 1,808 1,772 135.48 137.73 5.58 46.017 140 NATIONWIDE CORP GRP 1,408 1,402 59.40 59.99 4.34 50.368 361 MUNICH RE GRP 1,380 1,366 16.40 16.03 4.26 54.629 19 ASSURANT INC GRP 1,257 1,175 28.12 28.12 3.88 58.50




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 84 AMERICAN FINANCIAL GRP 1,195 1,206 37.69 47.05 3.69 62.18**STATE TOTAL** 32,414 31,539 -3.33 -6.01 100.00 100.00

. .Wisconsin 1 65 FM GLOBAL GRP 18,548 18,386 2.05 2.01 16.89 16.89

2 1243 WEST BEND MUT GRP 12,383 10,475 35.22 35.70 11.27 28.163 3548 TRAVELERS GRP 6,135 5,961 43.47 45.25 5.58 33.744 14184 ACUITY A MUT INS CO 5,460 5,554 44.32 42.48 4.97 38.715 12 AMERICAN INTL GRP 4,515 4,401 77.01 81.66 4.11 42.826 212 ZURICH INS GRP 4,392 4,539 20.73 20.79 4.00 46.827 569 FARMERS MUT HAIL INS GRP 3,624 3,624 236.76 236.90 3.30 50.128 111 LIBERTY MUT GRP 3,546 3,696 5.46 5.36 3.23 53.359 761 ALLIANZ INS GRP 3,524 3,479 -14.84 -14.52 3.21 56.5610 218 CNA INS GRP 3,468 4,200 11.39 13.72 3.16 59.71

**STATE TOTAL** 109,848 106,560 20.04 20.70 100.00 100.00. .

Wyoming 1 65 FM GLOBAL GRP 2,633 3,064 0.27 0.27 15.26 15.262 212 ZURICH INS GRP 2,365 1,234 37.07 37.20 13.71 28.963 12 AMERICAN INTL GRP 2,198 2,062 20.06 21.61 12.74 41.704 111 LIBERTY MUT GRP 1,416 1,374 44.78 44.11 8.20 49.905 3548 TRAVELERS GRP 1,355 1,335 107.94 108.05 7.85 57.766 761 ALLIANZ INS GRP 1,032 959 20.88 22.44 5.98 63.747 140 NATIONWIDE CORP GRP 1,006 952 68.34 68.93 5.83 69.578 62 EMC INS CO GRP 460 472 25.64 25.67 2.66 72.239 10103 AMERICAN AGRICULTURAL INS CO 459 459 21.97 21.97 2.66 74.8910 248 UNITED FIRE & CAS GRP 423 426 65.92 65.87 2.45 77.34

**STATE TOTAL** 17,254 16,098 41.80 42.38 100.00 100.00. .

American Samoa 1 761 ALLIANZ INS GRP 36 8 0.00 0.00 66.80 66.80**STATE TOTAL** 55 29 -1.84 -1.93 100.00 100.00

. .Guam 1 12633 CENTURY INS CO GU LTD 3,252 791 3.51 3.45 29.90 29.90

2 18380 PACIFIC IND INS CO 1,833 1,813 -4.07 -4.32 16.85 46.753 626 ACE LTD GRP 1,788 1,950 0.00 0.00 16.44 63.194 4672 DONGBU INS GRP 1,606 1,798 1.97 2.12 14.76 77.955 13597 CHUNG KUO INS CO LTD 1,075 1,157 0.00 0.44 9.89 87.846 181 SWISS RE GRP 781 760 12.84 13.62 7.18 95.02

**STATE TOTAL** 10,877 8,803 0.33 0.40 100.00 100.00. .

Puerto Rico 1 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 33,823 31,738 6.39 6.89 22.51 22.512 12 AMERICAN INTL GRP 29,214 29,618 4.16 5.37 19.44 41.953 411 MAPFRE INS GRP 21,631 22,237 -5.55 -5.24 14.40 56.354 40568 TRIPLE S PROPIEDAD INC 13,305 13,186 9.25 9.72 8.86 65.215 65 FM GLOBAL GRP 12,711 12,611 0.01 0.01 8.46 73.676 10308 ANTILLES INS CO 10,620 9,081 0.19 0.31 7.07 80.737 3593 USIC GRP 8,091 7,771 1.42 1.93 5.38 86.128 71 UNIVERSAL INS CO GRP 7,232 6,353 5.77 5.88 4.81 90.939 343 NATIONAL INS CO GRP 5,140 6,459 10.85 12.88 3.42 94.3510 212 ZURICH INS GRP 3,248 3,439 9.53 10.00 2.16 96.52

**STATE TOTAL** 150,250 148,028 5.77 6.47 100.00 100.00. .

U.S. Virgin Islands 1 626 ACE LTD GRP 742 676 -5.63 -5.65 16.57 16.572 501 ALLEGHANY GRP 643 584 -2.57 -2.67 14.35 30.923 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 503 499 -16.52 -15.51 11.23 42.154 17779 GUARDIAN INS CO INC 495 456 0.00 0.00 11.04 53.195 1279 ARCH INS GRP 486 379 6.19 9.93 10.85 64.046 411 MAPFRE INS GRP 440 441 -6.21 -4.81 9.83 73.877 218 CNA INS GRP 343 302 13.28 21.13 7.66 81.538 181 SWISS RE GRP 197 197 12.84 13.62 4.40 85.939 26778 INTEGRAND ASSUR CO 162 161 -113.77 -113.77 3.62 89.5410 65 FM GLOBAL GRP 159 133 0.00 0.00 3.55 93.09

**STATE TOTAL** 4,479 4,117 -5.13 -3.62 100.00 100.00. .

N. Mariana Islands 1 4672 DONGBU INS GRP 127 127 -0.77 -0.35 71.42 71.422 18380 PACIFIC IND INS CO 33 37 0.00 0.00 18.37 89.793 10972 FIRST NET INS CO 13 13 0.00 3.42 7.10 96.89




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 177 183 -0.54 0.00 100.00 100.00. .

Canada 1 65 FM GLOBAL GRP 128,257 129,221 19.07 19.49 86.08 86.082 23108 LUMBERMENS UNDERWRITING ALLIANCE 10,486 10,758 5.77 5.92 7.04 93.123 181 SWISS RE GRP 5,170 4,653 60.10 58.12 3.47 96.594 3548 TRAVELERS GRP 4,437 4,591 44.46 46.35 2.98 99.575 176 STATE FARM GRP 346 332 29.95 31.83 0.23 99.80

**STATE TOTAL** 148,989 150,388 19.75 20.14 100.00 100.00. .

Aggregate Other Alien 1 12 AMERICAN INTL GRP 114,607 125,475 9.07 9.85 65.52 65.522 38 CHUBB & SON INC GRP 23,041 18,129 7.89 2.02 13.17 78.693 65 FM GLOBAL GRP 15,574 16,618 2.73 2.78 8.90 87.594 111 LIBERTY MUT GRP 8,316 6,910 -2.67 0.34 4.75 92.345 3548 TRAVELERS GRP 4,825 4,754 43.49 50.37 2.76 95.106 761 ALLIANZ INS GRP 3,168 3,840 37.79 25.73 1.81 96.917 1285 XL AMER GRP 2,374 2,497 417.11 422.56 1.36 98.278 212 ZURICH INS GRP 1,187 729 -1149.32 -1159.37 0.68 98.959 1279 ARCH INS GRP 460 501 54.66 83.51 0.26 99.2110 181 SWISS RE GRP 417 411 -549.51 -567.79 0.24 99.45

**STATE TOTAL** 174,929 182,901 24.39 23.65 100.00 100.00. .




2.2—Multiple Peril Crop



States, U.S. Territories, Canada, and Aggregate Other Alien02.2-Multiple Peril Crop



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 471 WELLS FARGO GRP 1,401,036 1,482,339 81.23 81.23 16.39 16.392 626 ACE LTD GRP 1,369,796 1,300,881 77.43 77.43 16.03 32.423 25240 NAU COUNTRY INS CO 898,445 921,984 46.06 46.06 10.51 42.934 84 AMERICAN FINANCIAL GRP 779,685 804,293 58.28 58.26 9.12 52.055 761 ALLIANZ INS GRP 683,947 682,752 24.47 24.47 8.00 60.056 3786 ENDURANCE GRP 514,406 541,329 88.67 88.67 6.02 66.077 306 CUNA MUT GRP 471,249 467,172 87.59 87.86 5.51 71.588 12 AMERICAN INTL GRP 381,363 370,808 72.61 75.96 4.46 76.059 42757 AGRI GEN INS CO 342,126 350,041 66.95 66.95 4.00 80.0510 569 FARMERS MUT HAIL INS GRP 321,112 334,236 37.56 37.57 3.76 83.8111 1285 XL AMER GRP 298,122 298,122 92.47 92.21 3.49 87.2912 1331 GLENCOE US HOLDINGS GRP 278,559 303,245 78.26 78.26 3.26 90.5513 513 IOWA FARM BUREAU GRP 245,259 265,084 54.36 54.36 2.87 93.4214 13412 AUSTIN MUT INS CO 95,256 95,256 91.87 91.87 1.11 94.5415 50 COUNTRY INS & FIN SERV GRP 94,462 94,374 37.56 37.56 1.11 95.6416 361 MUNICH RE GRP 79,842 79,842 148.82 147.43 0.93 96.5817 158 FAIRFAX FIN GRP 73,489 73,489 97.25 99.30 0.86 97.4418 3500 NODAK MUT GRP 41,504 41,504 52.91 54.34 0.49 97.9219 176 STATE FARM GRP 40,689 49,041 90.70 90.70 0.48 98.4020 303 GUIDEONE INS GRP 33,128 34,173 57.26 57.26 0.39 98.7821 542 INDIANA FARM BUREAU GRP 27,651 27,651 128.15 128.15 0.32 99.1122 10103 AMERICAN AGRICULTURAL INS CO 25,128 25,128 68.88 68.88 0.29 99.4023 225 IAT REINS CO GRP 18,237 18,238 133.16 133.16 0.21 99.6224 220 OKLAHOMA FARM BUREAU GRP 16,753 16,753 223.04 223.37 0.20 99.8125 324 NORTH CAROLINA FARM BUREAU GRP 7,200 7,200 46.66 46.66 0.08 99.90

**INDUSTRY TOTAL** 8,547,373 8,697,122 68.83 68.96 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 626 ACE LTD GRP 12,001 10,752 1.99 1.99 23.90 23.902 42757 AGRI GEN INS CO 10,323 10,697 39.72 39.72 20.55 44.453 471 WELLS FARGO GRP 9,399 9,664 74.84 74.84 18.71 63.164 3786 ENDURANCE GRP 6,290 6,290 92.69 92.69 12.52 75.695 761 ALLIANZ INS GRP 2,573 2,571 24.48 24.48 5.12 80.816 25240 NAU COUNTRY INS CO 2,553 2,558 107.96 107.96 5.08 85.907 84 AMERICAN FINANCIAL GRP 2,476 2,551 23.12 23.01 4.93 90.828 1285 XL AMER GRP 2,166 2,166 45.52 45.51 4.31 95.149 225 IAT REINS CO GRP 1,562 1,562 159.47 159.47 3.11 98.2510 306 CUNA MUT GRP 454 560 79.60 79.60 0.90 99.15

**STATE TOTAL** 50,223 49,888 54.50 54.49 100.00 100.00. .

Alaska **STATE TOTAL** 71 71 137.14 137.99 100.00 100.00. .

Arizona 1 306 CUNA MUT GRP 2,799 2,621 57.72 59.02 24.62 24.622 42757 AGRI GEN INS CO 2,745 2,739 108.75 108.75 24.15 48.773 471 WELLS FARGO GRP 2,558 2,554 70.04 70.04 22.50 71.274 1331 GLENCOE US HOLDINGS GRP 809 851 347.56 347.56 7.12 78.395 626 ACE LTD GRP 797 722 272.11 272.11 7.01 85.406 25240 NAU COUNTRY INS CO 796 820 61.99 61.99 7.00 92.407 761 ALLIANZ INS GRP 583 583 24.88 24.88 5.13 97.538 513 IOWA FARM BUREAU GRP 166 166 19.21 19.21 1.46 98.999 26697 CASUALTY UNDERWRITERS INS CO 58 58 0.00 0.00 0.51 99.50

**STATE TOTAL** 11,369 11,179 106.27 106.57 100.00 100.00. .

Arkansas 1 761 ALLIANZ INS GRP 19,447 19,419 25.42 25.42 19.53 19.532 12 AMERICAN INTL GRP 16,604 17,507 83.20 87.08 16.68 36.213 3786 ENDURANCE GRP 14,643 14,851 134.96 134.96 14.71 50.924 84 AMERICAN FINANCIAL GRP 11,684 11,592 68.94 66.77 11.74 62.655 306 CUNA MUT GRP 11,660 11,215 85.27 87.26 11.71 74.366 626 ACE LTD GRP 9,989 9,179 41.89 41.89 10.03 84.407 361 MUNICH RE GRP 7,068 7,068 85.86 84.14 7.10 91.508 25240 NAU COUNTRY INS CO 2,581 2,640 32.07 32.07 2.59 94.099 1285 XL AMER GRP 1,839 1,839 33.25 32.89 1.85 95.9410 42757 AGRI GEN INS CO 1,428 1,427 50.18 50.18 1.43 97.37

**STATE TOTAL** 99,562 99,235 67.47 67.95 100.00 100.00. .

California 1 25240 NAU COUNTRY INS CO 68,283 66,938 62.32 62.32 26.84 26.842 471 WELLS FARGO GRP 53,992 52,878 102.90 102.90 21.22 48.063 626 ACE LTD GRP 49,911 46,181 87.08 87.08 19.62 67.674 306 CUNA MUT GRP 23,897 22,530 56.52 56.52 9.39 77.075 42757 AGRI GEN INS CO 20,221 20,089 38.71 38.71 7.95 85.016 84 AMERICAN FINANCIAL GRP 17,113 16,980 232.68 233.11 6.73 91.747 303 GUIDEONE INS GRP 9,073 8,899 85.87 85.87 3.57 95.318 12 AMERICAN INTL GRP 8,826 6,306 72.50 75.93 3.47 98.789 1331 GLENCOE US HOLDINGS GRP 2,238 2,312 181.46 181.46 0.88 99.66

**STATE TOTAL** 254,431 244,091 86.56 86.79 100.00 100.00. .

Colorado 1 761 ALLIANZ INS GRP 45,724 45,654 25.60 25.60 27.53 27.532 626 ACE LTD GRP 39,037 34,193 87.00 87.00 23.50 51.033 3786 ENDURANCE GRP 22,247 29,434 37.04 37.04 13.39 64.424 84 AMERICAN FINANCIAL GRP 21,889 27,164 83.77 81.59 13.18 77.605 1285 XL AMER GRP 11,603 11,603 55.47 55.02 6.99 84.586 1331 GLENCOE US HOLDINGS GRP 9,753 17,714 98.91 98.91 5.87 90.457 12 AMERICAN INTL GRP 5,584 5,441 94.28 97.69 3.36 93.828 306 CUNA MUT GRP 5,452 4,886 62.74 62.78 3.28 97.109 25240 NAU COUNTRY INS CO 1,642 1,501 92.14 92.14 0.99 98.0910 10103 AMERICAN AGRICULTURAL INS CO 1,303 1,303 51.27 51.27 0.78 98.87

**STATE TOTAL** 166,111 180,869 60.33 59.93 100.00 100.00. .

Connecticut 1 761 ALLIANZ INS GRP 4,254 4,248 25.45 25.45 88.42 88.422 626 ACE LTD GRP 390 353 -68.88 -68.88 8.11 96.53

**STATE TOTAL** 4,811 4,779 17.36 17.36 100.00 100.00. .

Delaware 1 761 ALLIANZ INS GRP 9,787 9,777 24.40 24.40 79.53 79.53




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 3786 ENDURANCE GRP 1,399 1,447 19.74 19.74 11.37 90.893 626 ACE LTD GRP 618 562 -66.13 -66.13 5.02 95.914 12 AMERICAN INTL GRP 300 300 51.75 55.93 2.44 98.35

**STATE TOTAL** 12,306 12,305 20.56 20.67 100.00 100.00. .

Florida 1 626 ACE LTD GRP 20,589 17,945 14.57 14.57 22.06 22.062 306 CUNA MUT GRP 17,302 18,276 54.34 55.23 18.54 40.603 42757 AGRI GEN INS CO 16,570 16,835 37.87 37.87 17.75 58.354 303 GUIDEONE INS GRP 16,356 17,022 29.24 29.24 17.52 75.885 12 AMERICAN INTL GRP 13,546 8,198 19.21 22.35 14.51 90.39

**STATE TOTAL** 93,331 87,858 46.18 47.86 100.00 100.00. .

Georgia 1 626 ACE LTD GRP 22,249 20,074 34.74 34.74 20.91 20.912 3786 ENDURANCE GRP 20,346 20,617 97.47 97.47 19.12 40.033 306 CUNA MUT GRP 18,275 18,401 101.95 102.19 17.17 57.204 471 WELLS FARGO GRP 15,392 15,450 121.34 121.34 14.47 71.675 225 IAT REINS CO GRP 12,158 12,158 127.31 127.31 11.43 83.096 84 AMERICAN FINANCIAL GRP 11,203 11,268 90.07 90.06 10.53 93.627 42757 AGRI GEN INS CO 4,470 4,496 75.91 75.91 4.20 97.828 761 ALLIANZ INS GRP 1,333 1,332 23.05 23.05 1.25 99.089 13412 AUSTIN MUT INS CO 554 554 101.94 101.94 0.52 99.60

**STATE TOTAL** 106,410 104,784 90.37 90.44 100.00 100.00. .

Hawaii 1 306 CUNA MUT GRP 969 822 12.56 13.51 72.45 72.45**STATE TOTAL** 1,337 1,191 18.10 18.76 100.00 100.00

. .Idaho 1 626 ACE LTD GRP 16,205 15,221 171.77 171.77 20.33 20.33

2 3786 ENDURANCE GRP 15,047 17,251 84.96 84.96 18.87 39.203 471 WELLS FARGO GRP 14,862 16,862 269.98 269.98 18.64 57.844 12 AMERICAN INTL GRP 10,390 9,769 96.02 100.00 13.03 70.875 1331 GLENCOE US HOLDINGS GRP 6,046 6,362 26.61 26.61 7.58 78.466 42757 AGRI GEN INS CO 5,138 5,300 83.92 83.92 6.45 84.907 84 AMERICAN FINANCIAL GRP 3,938 4,233 88.10 88.32 4.94 89.848 842 FARM BUREAU GRP 2,722 2,722 133.82 134.74 3.41 93.269 25240 NAU COUNTRY INS CO 2,410 2,474 71.40 71.40 3.02 96.2810 306 CUNA MUT GRP 1,635 1,626 164.23 165.21 2.05 98.33

**STATE TOTAL** 79,726 83,201 136.18 136.66 100.00 100.00. .

Illinois 1 471 WELLS FARGO GRP 141,075 140,933 72.70 72.70 20.03 20.032 84 AMERICAN FINANCIAL GRP 130,542 131,584 -10.56 -10.03 18.54 38.573 50 COUNTRY INS & FIN SERV GRP 94,468 94,381 37.91 37.91 13.42 51.994 25240 NAU COUNTRY INS CO 74,626 75,283 33.36 33.36 10.60 62.585 12 AMERICAN INTL GRP 45,559 46,252 29.77 33.05 6.47 69.056 13412 AUSTIN MUT INS CO 39,587 39,587 86.72 86.72 5.62 74.677 569 FARMERS MUT HAIL INS GRP 38,984 39,580 18.07 18.07 5.54 80.218 3786 ENDURANCE GRP 30,834 30,716 18.43 18.43 4.38 84.599 361 MUNICH RE GRP 21,736 21,736 76.93 76.36 3.09 87.6810 626 ACE LTD GRP 20,948 19,040 47.40 47.40 2.97 90.65

**STATE TOTAL** 704,196 704,436 35.44 35.58 100.00 100.00. .

Indiana 1 25240 NAU COUNTRY INS CO 76,586 77,273 110.63 110.63 20.34 20.342 84 AMERICAN FINANCIAL GRP 56,951 57,359 41.40 41.37 15.13 35.473 471 WELLS FARGO GRP 33,565 33,913 39.20 39.20 8.92 44.384 306 CUNA MUT GRP 27,807 28,076 46.56 46.58 7.39 51.775 542 INDIANA FARM BUREAU GRP 27,651 27,651 128.15 128.15 7.34 59.116 42757 AGRI GEN INS CO 26,332 26,084 70.94 70.94 6.99 66.117 569 FARMERS MUT HAIL INS GRP 21,257 21,669 47.79 47.79 5.65 71.758 3786 ENDURANCE GRP 20,972 21,143 27.72 27.72 5.57 77.329 12 AMERICAN INTL GRP 19,228 19,298 91.68 96.03 5.11 82.4310 626 ACE LTD GRP 13,886 12,758 95.60 95.60 3.69 86.12

**STATE TOTAL** 376,490 377,869 72.90 72.98 100.00 100.00. .

Iowa 1 626 ACE LTD GRP 143,671 129,895 128.58 128.58 19.30 19.302 569 FARMERS MUT HAIL INS GRP 114,386 114,507 42.74 42.75 15.37 34.673 25240 NAU COUNTRY INS CO 78,722 78,826 43.56 43.56 10.58 45.25




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 471 WELLS FARGO GRP 75,956 75,983 75.94 75.94 10.21 55.465 84 AMERICAN FINANCIAL GRP 73,665 73,721 41.63 41.58 9.90 65.356 513 IOWA FARM BUREAU GRP 68,791 68,945 62.93 62.93 9.24 74.607 42757 AGRI GEN INS CO 50,322 50,364 42.49 42.49 6.76 81.368 3786 ENDURANCE GRP 38,088 38,119 52.01 52.01 5.12 86.479 12 AMERICAN INTL GRP 37,722 37,688 26.98 30.28 5.07 91.5410 306 CUNA MUT GRP 19,453 19,457 66.19 66.20 2.61 94.16

**STATE TOTAL** 744,267 730,928 68.70 68.76 100.00 100.00. .

Kansas 1 471 WELLS FARGO GRP 144,388 179,506 39.27 39.27 24.76 24.762 626 ACE LTD GRP 94,681 83,828 47.64 47.64 16.23 40.993 84 AMERICAN FINANCIAL GRP 94,016 105,018 58.96 59.49 16.12 57.114 513 IOWA FARM BUREAU GRP 70,789 86,437 35.00 35.00 12.14 69.255 1285 XL AMER GRP 39,568 39,568 73.99 73.90 6.78 76.036 25240 NAU COUNTRY INS CO 35,885 41,491 38.71 38.71 6.15 82.187 569 FARMERS MUT HAIL INS GRP 29,478 37,693 44.32 44.31 5.05 87.248 1331 GLENCOE US HOLDINGS GRP 15,279 18,322 54.24 54.24 2.62 89.869 12 AMERICAN INTL GRP 14,901 14,877 32.79 34.14 2.55 92.4110 761 ALLIANZ INS GRP 12,249 12,232 25.21 25.21 2.10 94.51

**STATE TOTAL** 583,237 658,830 44.80 44.89 100.00 100.00. .

Kentucky 1 471 WELLS FARGO GRP 42,180 42,248 67.36 67.36 41.65 41.652 25240 NAU COUNTRY INS CO 17,115 17,403 55.76 55.76 16.90 58.553 42757 AGRI GEN INS CO 7,833 7,472 120.94 120.94 7.74 66.294 306 CUNA MUT GRP 6,387 6,224 136.42 136.51 6.31 72.605 84 AMERICAN FINANCIAL GRP 5,789 5,938 141.47 141.31 5.72 78.316 3786 ENDURANCE GRP 5,420 5,349 162.84 162.84 5.35 83.667 13412 AUSTIN MUT INS CO 4,382 4,382 91.30 91.30 4.33 87.998 10103 AMERICAN AGRICULTURAL INS CO 3,806 3,806 59.87 59.87 3.76 91.759 1285 XL AMER GRP 2,996 2,996 128.65 128.57 2.96 94.7110 12 AMERICAN INTL GRP 2,700 2,733 40.07 43.72 2.67 97.37

**STATE TOTAL** 101,267 101,053 85.46 85.50 100.00 100.00. .

Louisiana 1 306 CUNA MUT GRP 25,348 24,303 89.19 89.85 33.35 33.352 626 ACE LTD GRP 12,480 11,418 9.74 9.74 16.42 49.773 42757 AGRI GEN INS CO 10,832 10,988 77.91 77.91 14.25 64.024 3786 ENDURANCE GRP 6,429 6,410 124.61 124.61 8.46 72.485 10783 CORNERSTONE NATL INS CO 6,187 6,016 53.59 53.59 8.14 80.626 12 AMERICAN INTL GRP 3,619 3,692 83.76 87.28 4.76 85.387 761 ALLIANZ INS GRP 3,593 3,591 24.55 24.55 4.73 90.118 1285 XL AMER GRP 3,346 3,346 101.75 101.46 4.40 94.519 361 MUNICH RE GRP 2,555 2,555 170.67 169.49 3.36 97.8710 84 AMERICAN FINANCIAL GRP 1,192 1,192 198.15 198.13 1.57 99.44

**STATE TOTAL** 76,006 73,943 75.42 75.74 100.00 100.00. .

Maine 1 626 ACE LTD GRP 5,261 4,889 44.39 44.39 66.20 66.202 761 ALLIANZ INS GRP 2,445 2,441 25.70 25.70 30.76 96.96

**STATE TOTAL** 7,948 7,571 39.69 39.69 100.00 100.00. .

Maryland 1 626 ACE LTD GRP 13,878 12,416 12.93 12.93 45.41 45.412 761 ALLIANZ INS GRP 11,669 11,660 23.95 23.95 38.18 83.593 42757 AGRI GEN INS CO 1,871 1,915 15.23 15.23 6.12 89.714 3786 ENDURANCE GRP 1,840 1,878 -23.28 -23.28 6.02 95.735 12 AMERICAN INTL GRP 990 990 30.00 33.34 3.24 98.976 306 CUNA MUT GRP 201 218 4.09 8.12 0.66 99.637 176 STATE FARM GRP 63 63 53.69 53.69 0.21 99.84

**STATE TOTAL** 30,562 29,190 15.92 16.05 100.00 100.00. .

Massachusetts 1 761 ALLIANZ INS GRP 3,122 3,118 25.37 25.37 85.95 85.952 42757 AGRI GEN INS CO 328 364 86.86 86.86 9.03 94.993 303 GUIDEONE INS GRP 91 89 7.19 7.19 2.51 97.50

**STATE TOTAL** 3,633 3,650 34.88 34.88 100.00 100.00. .

Michigan 1 761 ALLIANZ INS GRP 61,725 61,654 24.77 24.77 40.52 40.522 84 AMERICAN FINANCIAL GRP 23,589 24,006 88.82 88.82 15.49 56.01




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


3 1331 GLENCOE US HOLDINGS GRP 18,892 19,175 103.84 103.84 12.40 68.414 513 IOWA FARM BUREAU GRP 8,794 9,047 69.39 69.39 5.77 74.185 10103 AMERICAN AGRICULTURAL INS CO 7,235 7,235 96.98 96.98 4.75 78.936 25240 NAU COUNTRY INS CO 7,015 7,243 152.07 152.07 4.61 83.547 3786 ENDURANCE GRP 5,504 4,519 46.51 46.51 3.61 87.158 361 MUNICH RE GRP 4,563 4,563 189.78 189.13 3.00 90.159 626 ACE LTD GRP 4,495 4,109 118.71 118.71 2.95 93.1010 306 CUNA MUT GRP 4,401 4,346 101.11 101.49 2.89 95.99

**STATE TOTAL** 152,329 153,196 69.63 69.61 100.00 100.00. .

Minnesota 1 761 ALLIANZ INS GRP 224,151 224,050 23.17 23.17 35.74 35.742 25240 NAU COUNTRY INS CO 84,925 85,025 -3.68 -3.68 13.54 49.283 626 ACE LTD GRP 60,284 53,939 87.01 87.01 9.61 58.894 569 FARMERS MUT HAIL INS GRP 39,553 39,580 35.11 35.11 6.31 65.195 1331 GLENCOE US HOLDINGS GRP 37,406 37,222 57.25 57.25 5.96 71.166 306 CUNA MUT GRP 37,110 37,089 39.18 39.20 5.92 77.087 1285 XL AMER GRP 36,644 36,644 84.34 83.98 5.84 82.928 12 AMERICAN INTL GRP 31,622 31,548 26.32 29.49 5.04 87.969 84 AMERICAN FINANCIAL GRP 25,591 25,628 48.81 47.79 4.08 92.0410 3786 ENDURANCE GRP 23,848 23,831 49.52 49.52 3.80 95.84

**STATE TOTAL** 627,216 620,703 35.53 35.57 100.00 100.00. .

Mississippi 1 3786 ENDURANCE GRP 29,823 30,715 169.93 169.93 31.03 31.032 761 ALLIANZ INS GRP 14,070 14,051 26.15 26.15 14.64 45.673 626 ACE LTD GRP 13,363 12,575 93.59 93.59 13.90 59.574 12 AMERICAN INTL GRP 9,383 9,364 40.83 44.24 9.76 69.335 25240 NAU COUNTRY INS CO 8,291 8,223 50.25 50.25 8.63 77.966 361 MUNICH RE GRP 6,002 6,002 119.44 117.85 6.24 84.207 306 CUNA MUT GRP 5,711 5,342 101.69 102.23 5.94 90.158 1285 XL AMER GRP 4,355 4,355 118.00 118.02 4.53 94.689 42757 AGRI GEN INS CO 2,607 2,592 131.38 131.38 2.71 97.3910 84 AMERICAN FINANCIAL GRP 1,388 1,389 83.04 83.11 1.44 98.83

**STATE TOTAL** 96,112 95,740 103.93 104.11 100.00 100.00. .

Missouri 1 626 ACE LTD GRP 82,914 75,854 87.00 87.00 31.09 31.092 84 AMERICAN FINANCIAL GRP 45,932 46,377 88.26 86.25 17.22 48.313 471 WELLS FARGO GRP 29,364 30,176 17.20 17.20 11.01 59.324 42757 AGRI GEN INS CO 23,186 23,367 56.11 56.11 8.69 68.015 25240 NAU COUNTRY INS CO 15,884 16,516 54.35 54.35 5.96 73.966 569 FARMERS MUT HAIL INS GRP 15,676 15,987 62.54 62.54 5.88 79.847 3786 ENDURANCE GRP 15,542 15,947 40.74 40.74 5.83 85.678 13412 AUSTIN MUT INS CO 9,018 9,018 78.09 78.09 3.38 89.059 306 CUNA MUT GRP 7,468 7,458 37.38 37.56 2.80 91.8510 12 AMERICAN INTL GRP 6,624 6,758 100.08 104.88 2.48 94.33

**STATE TOTAL** 266,723 262,580 68.24 67.96 100.00 100.00. .

Montana 1 626 ACE LTD GRP 52,226 46,614 87.01 87.01 33.45 33.452 471 WELLS FARGO GRP 25,148 31,570 55.56 55.56 16.11 49.563 25240 NAU COUNTRY INS CO 24,970 32,674 54.84 54.84 15.99 65.554 1331 GLENCOE US HOLDINGS GRP 19,327 26,175 55.31 55.31 12.38 77.935 42757 AGRI GEN INS CO 12,634 16,791 62.88 62.88 8.09 86.026 3786 ENDURANCE GRP 5,752 6,741 65.56 65.56 3.68 89.707 761 ALLIANZ INS GRP 5,145 5,142 23.45 23.45 3.30 93.008 306 CUNA MUT GRP 4,200 4,146 62.23 62.23 2.69 95.699 84 AMERICAN FINANCIAL GRP 2,823 3,892 69.70 69.74 1.81 97.5010 12 AMERICAN INTL GRP 1,664 2,512 46.41 49.66 1.07 98.56

**STATE TOTAL** 156,132 179,386 64.46 64.49 100.00 100.00. .

Nebraska 1 626 ACE LTD GRP 116,341 105,027 98.73 98.73 20.93 20.932 471 WELLS FARGO GRP 102,610 106,703 38.92 38.92 18.46 39.403 25240 NAU COUNTRY INS CO 82,550 84,540 22.80 22.80 14.85 54.254 84 AMERICAN FINANCIAL GRP 59,636 60,722 19.86 19.81 10.73 64.985 1331 GLENCOE US HOLDINGS GRP 58,912 61,977 49.20 49.20 10.60 75.586 569 FARMERS MUT HAIL INS GRP 32,114 34,869 21.30 21.33 5.78 81.367 1285 XL AMER GRP 21,500 21,500 78.79 78.66 3.87 85.23




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


8 12 AMERICAN INTL GRP 20,294 20,342 32.76 36.07 3.65 88.889 513 IOWA FARM BUREAU GRP 19,932 20,501 25.42 25.42 3.59 92.4610 306 CUNA MUT GRP 11,847 12,378 54.65 54.65 2.13 94.60

**STATE TOTAL** 555,774 559,865 46.79 46.88 100.00 100.00. .

Nevada 1 42757 AGRI GEN INS CO 1,654 1,432 158.65 158.65 67.11 67.112 1331 GLENCOE US HOLDINGS GRP 678 1,153 122.81 122.81 27.50 94.613 84 AMERICAN FINANCIAL GRP 96 73 211.72 211.24 3.90 98.52

**STATE TOTAL** 2,465 2,675 141.01 140.99 100.00 100.00. .

New Hampshire 1 761 ALLIANZ INS GRP 264 264 23.84 23.84 84.17 84.172 626 ACE LTD GRP 44 41 69.34 69.34 14.17 98.34

**STATE TOTAL** 314 310 3707.18 3718.72 100.00 100.00. .

New Jersey 1 761 ALLIANZ INS GRP 2,983 2,979 24.68 24.68 49.45 49.452 361 MUNICH RE GRP 1,079 1,079 66.81 67.16 17.89 67.343 42757 AGRI GEN INS CO 1,075 1,107 31.93 31.93 17.82 85.164 303 GUIDEONE INS GRP 599 735 35.68 35.68 9.93 95.09

**STATE TOTAL** 6,031 6,167 170.95 172.22 100.00 100.00. .

New Mexico 1 3786 ENDURANCE GRP 5,276 6,424 72.37 72.37 29.34 29.342 42757 AGRI GEN INS CO 4,002 4,684 108.06 108.06 22.25 51.593 306 CUNA MUT GRP 2,482 2,690 133.33 134.42 13.80 65.394 761 ALLIANZ INS GRP 2,323 2,319 25.23 25.23 12.91 78.315 1331 GLENCOE US HOLDINGS GRP 1,438 1,426 94.29 94.29 7.99 86.306 12 AMERICAN INTL GRP 1,016 1,153 -5.46 -2.62 5.65 91.957 25240 NAU COUNTRY INS CO 537 551 34.03 34.03 2.99 94.938 626 ACE LTD GRP 410 344 116.09 116.09 2.28 97.219 513 IOWA FARM BUREAU GRP 349 426 33.31 33.31 1.94 99.15

**STATE TOTAL** 17,985 20,245 78.20 78.44 100.00 100.00. .

New York 1 761 ALLIANZ INS GRP 16,566 16,545 24.99 24.99 60.10 60.102 626 ACE LTD GRP 6,844 6,247 -2.20 -2.20 24.83 84.933 42757 AGRI GEN INS CO 2,981 3,010 64.07 64.07 10.81 95.744 303 GUIDEONE INS GRP 703 652 10.30 10.30 2.55 98.295 1331 GLENCOE US HOLDINGS GRP 237 213 42.35 42.35 0.86 99.156 361 MUNICH RE GRP 138 138 149.16 145.07 0.50 99.65

**STATE TOTAL** 27,565 26,897 26.84 26.84 100.00 100.00. .

North Carolina 1 761 ALLIANZ INS GRP 79,179 79,083 24.90 24.90 50.40 50.402 626 ACE LTD GRP 32,182 29,106 42.28 42.28 20.48 70.883 12 AMERICAN INTL GRP 8,205 8,144 12.00 15.06 5.22 76.114 324 NORTH CAROLINA FARM BUREAU GRP 7,200 7,200 46.66 46.66 4.58 80.695 306 CUNA MUT GRP 7,015 6,967 89.68 90.04 4.47 85.156 3786 ENDURANCE GRP 5,353 4,783 170.97 170.97 3.41 88.567 84 AMERICAN FINANCIAL GRP 4,410 4,400 98.53 98.43 2.81 91.378 25240 NAU COUNTRY INS CO 4,017 4,019 5.02 5.02 2.56 93.929 42757 AGRI GEN INS CO 3,995 3,687 142.15 142.15 2.54 96.4710 13412 AUSTIN MUT INS CO 3,763 3,763 82.97 82.97 2.40 98.86

**STATE TOTAL** 157,106 153,457 54.16 54.53 100.00 100.00. .

North Dakota 1 471 WELLS FARGO GRP 158,562 159,726 7.02 7.02 22.42 22.422 626 ACE LTD GRP 143,143 128,087 44.64 44.64 20.24 42.653 25240 NAU COUNTRY INS CO 143,091 144,142 23.77 23.77 20.23 62.884 761 ALLIANZ INS GRP 46,888 46,878 22.63 22.63 6.63 69.515 84 AMERICAN FINANCIAL GRP 46,361 46,372 102.51 103.36 6.55 76.076 3500 NODAK MUT GRP 38,627 38,627 52.28 53.50 5.46 81.537 306 CUNA MUT GRP 34,864 34,847 100.90 100.90 4.93 86.468 3786 ENDURANCE GRP 22,372 22,463 86.97 86.97 3.16 89.629 1285 XL AMER GRP 20,332 20,332 119.70 119.35 2.87 92.4910 12 AMERICAN INTL GRP 19,248 19,200 11.95 14.94 2.72 95.22

**STATE TOTAL** 707,329 694,538 41.76 41.89 100.00 100.00. .

Ohio 1 471 WELLS FARGO GRP 90,516 93,434 79.76 79.76 34.66 34.662 25240 NAU COUNTRY INS CO 36,551 37,642 84.37 84.37 13.99 48.65




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


3 42757 AGRI GEN INS CO 20,993 21,391 103.69 103.69 8.04 56.694 626 ACE LTD GRP 19,873 17,978 159.31 159.31 7.61 64.305 306 CUNA MUT GRP 19,298 19,429 33.05 33.22 7.39 71.686 84 AMERICAN FINANCIAL GRP 16,133 16,508 39.81 39.79 6.18 77.867 12 AMERICAN INTL GRP 13,203 13,280 20.00 23.21 5.06 82.928 13412 AUSTIN MUT INS CO 10,402 10,402 115.77 115.77 3.98 86.909 1331 GLENCOE US HOLDINGS GRP 9,696 9,736 102.22 102.22 3.71 90.6110 361 MUNICH RE GRP 5,878 5,878 186.01 184.93 2.25 92.86

**STATE TOTAL** 261,188 264,855 86.87 86.96 100.00 100.00. .

Oklahoma 1 471 WELLS FARGO GRP 67,507 83,176 239.92 239.92 40.83 40.832 1285 XL AMER GRP 23,326 23,326 183.53 183.46 14.11 54.943 220 OKLAHOMA FARM BUREAU GRP 16,753 16,753 223.04 223.37 10.13 65.074 3786 ENDURANCE GRP 12,240 13,152 156.24 156.24 7.40 72.485 25240 NAU COUNTRY INS CO 11,106 12,163 122.46 122.46 6.72 79.206 84 AMERICAN FINANCIAL GRP 9,048 9,702 182.91 182.32 5.47 84.677 626 ACE LTD GRP 7,457 6,532 240.12 240.12 4.51 89.188 761 ALLIANZ INS GRP 5,370 5,359 26.52 26.52 3.25 92.439 306 CUNA MUT GRP 5,001 2,719 160.81 162.25 3.03 95.4510 1331 GLENCOE US HOLDINGS GRP 3,267 3,012 140.75 140.75 1.98 97.43

**STATE TOTAL** 165,326 180,898 202.08 202.11 100.00 100.00. .

Oregon 1 626 ACE LTD GRP 17,219 15,649 80.69 80.69 39.99 39.992 471 WELLS FARGO GRP 10,984 11,086 374.86 374.86 25.51 65.493 303 GUIDEONE INS GRP 5,528 4,361 116.84 116.84 12.84 78.334 42757 AGRI GEN INS CO 5,077 5,422 255.83 255.83 11.79 90.125 306 CUNA MUT GRP 1,959 1,956 137.14 138.28 4.55 94.676 84 AMERICAN FINANCIAL GRP 1,018 1,143 160.76 160.76 2.37 97.037 12 AMERICAN INTL GRP 566 387 82.35 87.06 1.32 98.358 761 ALLIANZ INS GRP 544 543 25.33 25.33 1.26 99.619 25240 NAU COUNTRY INS CO 112 112 53.23 53.23 0.26 99.87

**STATE TOTAL** 43,062 40,814 192.87 192.97 100.00 100.00. .

Pennsylvania 1 626 ACE LTD GRP 24,548 22,274 84.32 84.32 49.77 49.772 761 ALLIANZ INS GRP 13,431 13,422 23.69 23.69 27.23 77.003 361 MUNICH RE GRP 8,094 8,089 76.91 75.13 16.41 93.414 25240 NAU COUNTRY INS CO 624 619 17.37 17.37 1.26 94.675 306 CUNA MUT GRP 575 579 69.88 69.88 1.17 95.846 12 AMERICAN INTL GRP 472 472 74.09 78.16 0.96 96.797 3786 ENDURANCE GRP 411 428 -2.99 -2.99 0.83 97.638 13412 AUSTIN MUT INS CO 341 341 110.04 110.04 0.69 98.329 1331 GLENCOE US HOLDINGS GRP 294 289 20.09 20.09 0.60 98.9210 42757 AGRI GEN INS CO 281 285 9.03 9.03 0.57 99.49

**STATE TOTAL** 49,326 47,052 63.28 63.02 100.00 100.00. .

Rhode Island 1 761 ALLIANZ INS GRP 61 61 24.50 24.50 89.12 89.12**STATE TOTAL** 68 69 15.23 15.23 100.00 100.00

. .South Carolina 1 626 ACE LTD GRP 26,276 23,864 77.80 77.80 50.50 50.50

2 471 WELLS FARGO GRP 11,636 11,773 43.38 43.38 22.37 72.873 3786 ENDURANCE GRP 4,244 4,392 138.75 138.75 8.16 81.034 84 AMERICAN FINANCIAL GRP 2,914 2,917 50.37 50.45 5.60 86.635 25240 NAU COUNTRY INS CO 2,487 2,470 13.93 13.93 4.78 91.416 42757 AGRI GEN INS CO 1,963 1,946 63.66 63.66 3.77 95.187 306 CUNA MUT GRP 1,441 1,444 45.76 46.03 2.77 97.958 12 AMERICAN INTL GRP 600 583 43.32 47.05 1.15 99.109 13412 AUSTIN MUT INS CO 239 239 82.49 82.49 0.46 99.56

**STATE TOTAL** 52,028 49,877 68.31 68.37 100.00 100.00. .

South Dakota 1 626 ACE LTD GRP 142,051 126,933 28.70 28.70 26.82 26.822 471 WELLS FARGO GRP 122,025 128,821 20.24 20.24 23.04 49.873 25240 NAU COUNTRY INS CO 55,915 57,716 24.93 24.93 10.56 60.424 84 AMERICAN FINANCIAL GRP 55,808 57,159 54.53 54.05 10.54 70.965 1285 XL AMER GRP 43,685 43,685 66.06 65.84 8.25 79.216 306 CUNA MUT GRP 26,021 27,139 66.35 66.36 4.91 84.13




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 569 FARMERS MUT HAIL INS GRP 19,938 20,693 36.15 36.16 3.76 87.898 761 ALLIANZ INS GRP 15,242 15,226 24.49 24.49 2.88 90.779 42757 AGRI GEN INS CO 13,966 14,304 28.82 28.82 2.64 93.4110 12 AMERICAN INTL GRP 13,765 14,082 49.86 53.28 2.60 96.01

**STATE TOTAL** 529,569 528,380 34.93 34.84 100.00 100.00. .

Tennessee 1 761 ALLIANZ INS GRP 18,922 18,896 25.75 25.75 23.37 23.372 306 CUNA MUT GRP 16,540 16,713 74.00 74.14 20.43 43.803 25240 NAU COUNTRY INS CO 12,732 13,429 41.59 41.59 15.72 59.524 626 ACE LTD GRP 8,828 8,043 -12.46 -12.46 10.90 70.435 42757 AGRI GEN INS CO 8,107 8,259 51.35 51.35 10.01 80.446 3786 ENDURANCE GRP 7,641 8,035 49.12 49.12 9.44 89.887 1285 XL AMER GRP 4,494 4,494 56.42 56.30 5.55 95.438 84 AMERICAN FINANCIAL GRP 1,811 1,802 123.31 123.14 2.24 97.669 361 MUNICH RE GRP 863 863 481.01 473.63 1.07 98.7310 12 AMERICAN INTL GRP 747 747 31.87 35.20 0.92 99.65

**STATE TOTAL** 80,965 81,636 50.86 50.89 100.00 100.00. .

Texas 1 3786 ENDURANCE GRP 150,316 162,625 121.48 121.48 24.91 24.912 471 WELLS FARGO GRP 113,960 117,404 165.83 165.83 18.88 43.793 306 CUNA MUT GRP 75,632 73,079 123.45 123.67 12.53 56.324 626 ACE LTD GRP 67,844 61,135 163.88 163.88 11.24 67.575 12 AMERICAN INTL GRP 59,352 54,704 205.93 209.15 9.83 77.406 1285 XL AMER GRP 42,723 42,723 142.82 142.61 7.08 84.487 1331 GLENCOE US HOLDINGS GRP 34,572 38,245 166.82 166.82 5.73 90.218 25240 NAU COUNTRY INS CO 14,116 14,526 49.96 49.96 2.34 92.559 513 IOWA FARM BUREAU GRP 13,837 14,873 104.62 104.62 2.29 94.8410 761 ALLIANZ INS GRP 12,606 12,591 24.77 24.77 2.09 96.93

**STATE TOTAL** 603,491 613,850 142.01 142.35 100.00 100.00. .

Utah 1 42757 AGRI GEN INS CO 846 1,206 49.18 49.18 22.68 22.682 513 IOWA FARM BUREAU GRP 757 885 15.98 15.98 20.30 42.983 3786 ENDURANCE GRP 658 828 94.84 94.84 17.65 60.634 626 ACE LTD GRP 502 442 -9.41 -9.41 13.47 74.105 306 CUNA MUT GRP 469 505 63.03 63.03 12.59 86.696 12 AMERICAN INTL GRP 414 279 130.60 133.91 11.11 97.807 761 ALLIANZ INS GRP 67 66 27.46 27.46 1.78 99.598 26697 CASUALTY UNDERWRITERS INS CO 11 11 265.12 265.12 0.29 99.87

**STATE TOTAL** 3,729 4,242 53.26 53.38 100.00 100.00. .

Vermont 1 761 ALLIANZ INS GRP 892 891 25.19 25.19 54.14 54.142 42757 AGRI GEN INS CO 451 450 95.79 95.79 27.37 81.50

**STATE TOTAL** 1,648 1,623 178.72 178.72 100.00 100.00. .

Virginia 1 471 WELLS FARGO GRP 32,186 32,726 52.61 52.61 66.53 66.532 626 ACE LTD GRP 10,579 9,546 87.00 87.00 21.87 88.393 10103 AMERICAN AGRICULTURAL INS CO 3,120 3,120 79.31 79.31 6.45 94.844 12 AMERICAN INTL GRP 969 957 21.64 24.92 2.00 96.855 3786 ENDURANCE GRP 516 522 71.66 71.66 1.07 97.916 42757 AGRI GEN INS CO 348 378 97.35 97.35 0.72 98.637 761 ALLIANZ INS GRP 286 286 26.91 26.91 0.59 99.228 306 CUNA MUT GRP 134 42 29.82 30.64 0.28 99.509 303 GUIDEONE INS GRP 127 128 21.01 21.01 0.26 99.7610 1285 XL AMER GRP 50 50 33.68 33.46 0.10 99.87

**STATE TOTAL** 48,381 47,819 61.16 61.23 100.00 100.00. .

Washington 1 471 WELLS FARGO GRP 33,580 34,961 346.75 346.75 26.30 26.302 626 ACE LTD GRP 32,665 30,884 202.62 202.62 25.58 51.883 306 CUNA MUT GRP 22,634 23,189 273.61 274.26 17.73 69.604 761 ALLIANZ INS GRP 10,234 10,214 26.55 26.55 8.01 77.625 3786 ENDURANCE GRP 8,676 6,285 124.02 124.02 6.79 84.416 84 AMERICAN FINANCIAL GRP 7,221 7,400 269.90 270.56 5.65 90.077 25240 NAU COUNTRY INS CO 4,850 5,202 325.55 325.55 3.80 93.878 42757 AGRI GEN INS CO 3,600 3,447 272.08 272.08 2.82 96.699 12 AMERICAN INTL GRP 1,878 1,870 100.39 105.14 1.47 98.16




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 513 IOWA FARM BUREAU GRP 1,461 1,597 317.25 317.25 1.14 99.30**STATE TOTAL** 127,691 125,972 249.03 249.22 100.00 100.00

. .West Virginia 1 761 ALLIANZ INS GRP 1,383 1,381 24.61 24.61 61.13 61.13

2 626 ACE LTD GRP 849 646 87.00 87.00 37.53 98.66**STATE TOTAL** 2,262 2,057 44.25 44.25 100.00 100.00

. .Wisconsin 1 471 WELLS FARGO GRP 68,891 70,092 69.34 69.34 33.05 33.05

2 84 AMERICAN FINANCIAL GRP 28,672 28,963 96.09 97.55 13.75 46.803 25240 NAU COUNTRY INS CO 27,453 27,930 74.37 74.37 13.17 59.974 626 ACE LTD GRP 18,033 16,172 93.38 93.38 8.65 68.625 1331 GLENCOE US HOLDINGS GRP 13,897 13,463 78.13 78.13 6.67 75.296 12 AMERICAN INTL GRP 8,990 9,181 43.84 47.12 4.31 79.607 513 IOWA FARM BUREAU GRP 7,911 8,274 78.37 78.37 3.80 83.408 3786 ENDURANCE GRP 5,719 5,742 51.35 51.35 2.74 86.149 42757 AGRI GEN INS CO 5,608 5,700 127.86 127.86 2.69 88.8310 13412 AUSTIN MUT INS CO 5,281 5,281 110.63 110.63 2.53 91.37

**STATE TOTAL** 208,455 209,064 78.85 79.15 100.00 100.00. .

Wyoming 1 761 ALLIANZ INS GRP 4,165 4,161 24.39 24.39 25.44 25.442 10103 AMERICAN AGRICULTURAL INS CO 3,773 3,773 58.33 58.33 23.04 48.483 1331 GLENCOE US HOLDINGS GRP 2,103 2,685 60.35 60.35 12.84 61.324 626 ACE LTD GRP 1,905 1,674 3.06 3.06 11.64 72.965 3786 ENDURANCE GRP 1,478 1,733 69.14 69.14 9.02 81.996 84 AMERICAN FINANCIAL GRP 1,404 1,435 92.82 90.48 8.57 90.567 306 CUNA MUT GRP 1,165 1,227 17.37 17.37 7.11 97.678 42757 AGRI GEN INS CO 224 224 9.81 9.81 1.37 99.049 12 AMERICAN INTL GRP 84 79 24.87 28.28 0.51 99.55

**STATE TOTAL** 16,373 17,073 46.68 46.49 100.00 100.00. .

Aggregate Other Alien **STATE TOTAL** 73,437 139,161 50.93 52.02 100.00 100.00. .




2.3— Federal Flood



States, U.S. Territories, Canada, and Aggregate Other Alien02.3-Federal Flood



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 670 FIDELITY NATL FIN GRP 485,346 479,252 38.37 38.90 16.60 16.602 176 STATE FARM GRP 397,392 393,418 34.55 35.80 13.59 30.193 8 ALLSTATE INS GRP 302,854 297,534 37.23 37.23 10.36 40.544 91 HARTFORD FIRE & CAS GRP 242,332 301,293 33.54 34.92 8.29 48.835 3548 TRAVELERS GRP 194,732 191,597 28.92 31.80 6.66 55.496 242 SELECTIVE INS GRP 178,934 171,941 19.50 20.69 6.12 61.617 19 ASSURANT INC GRP 178,614 175,044 28.14 28.14 6.11 67.728 212 ZURICH INS GRP 117,199 111,966 98.84 104.82 4.01 71.729 140 NATIONWIDE CORP GRP 116,515 117,114 48.21 48.26 3.98 75.7110 200 UNITED SERV AUTOMOBILE ASSN GRP 114,488 111,692 40.41 42.80 3.92 79.6211 253 HARLEYSVILLE GRP 87,135 84,236 21.97 22.60 2.98 82.6012 280 AUTO OWNERS GRP 40,599 39,298 54.30 57.07 1.39 83.9913 111 LIBERTY MUT GRP 38,946 38,122 29.01 29.07 1.33 85.3214 677 PHILADELPHIA CONSOLIDATED HOLDING GR 35,037 35,935 22.61 23.49 1.20 86.5215 1344 ARX HOLDING CORP GRP 33,979 31,440 7.69 7.69 1.16 87.6816 36560 SERVICE INS CO 29,606 29,606 0.00 0.00 1.01 88.7017 12 AMERICAN INTL GRP 28,220 35,029 53.67 53.05 0.97 89.6618 3484 TOWER HILL INS GRP 23,843 23,263 4.91 5.19 0.82 90.4819 41041 AUTO CLUB S INS CO 19,151 19,123 7.77 7.75 0.65 91.1320 483 SOUTHERN FARM BUREAU CAS GRP 19,121 18,418 32.00 32.00 0.65 91.7821 411 MAPFRE INS GRP 15,856 15,302 14.87 16.22 0.54 92.3322 311 MAIN STREET AMER GRP 14,818 14,398 3.55 3.55 0.51 92.8323 473 AMERICAN FAMILY INS GRP 13,307 12,958 30.68 33.25 0.46 93.2924 15458 DELTA LLOYDS INS CO OF HOUSTON 11,448 13,216 64.78 70.11 0.39 93.6825 408 AMERICAN NATL FIN GRP 11,188 11,118 420.48 420.48 0.38 94.0626 10860 SUNSHINE STATE INS CO 10,030 8,248 0.00 0.00 0.34 94.4127 1278 CALIFORNIA STATE AUTO GRP 10,008 9,562 0.03 0.03 0.34 94.7528 324 NORTH CAROLINA FARM BUREAU GRP 9,275 9,275 9.16 9.16 0.32 95.0729 218 CNA INS GRP 8,677 8,547 -13.26 -13.26 0.30 95.3630 1326 KINGSWAY GRP 8,610 8,610 0.00 0.00 0.29 95.6631 241 METROPOLITAN GRP 8,585 8,027 25.66 27.71 0.29 95.9532 10969 UNITED PROP & CAS INS CO 8,538 7,991 1.87 1.93 0.29 96.2433 689 BANKERS INS GRP 8,048 4,507 23.45 23.50 0.28 96.5234 50 COUNTRY INS & FIN SERV GRP 8,031 7,829 -3.12 -3.15 0.27 96.7935 708 NEW JERSEY MANUFACTURERS GRP 7,639 7,340 2.95 3.10 0.26 97.0536 10908 CAPITOL PREFERRED INS CO 6,014 6,153 0.00 0.00 0.21 97.2637 4674 BARRINGTON CAPITAL GRP 5,962 5,745 6.36 6.93 0.20 97.4638 732 NLASCO GRP 5,612 5,508 71.09 74.21 0.19 97.6539 809 TEXAS FARM BUREAU MUT GRP 5,110 4,827 58.27 58.27 0.17 97.8340 44369 IMPERIAL FIRE & CAS INS CO 4,714 4,714 30.33 32.26 0.16 97.9941 1227 PALISADES GRP 4,597 4,499 -7.66 -7.75 0.16 98.1542 71 UNIVERSAL INS CO GRP 4,482 3,963 19.46 21.26 0.15 98.3043 561 GEORGIA FARM BUREAU GRP 4,144 4,144 0.00 0.00 0.14 98.4444 10897 FIRST PROTECTIVE INS CO 3,737 2,889 3.42 3.42 0.13 98.5745 2879 21ST CENTURY HOLDING GRP 3,559 3,347 5.31 5.45 0.12 98.6946 3593 USIC GRP 3,374 3,528 4.40 4.75 0.12 98.8147 70 FIRST AMER TITLE GRP 3,039 2,811 16.39 18.97 0.10 98.9148 26905 CENTURY NATL INS CO 3,008 3,071 35.27 35.27 0.10 99.0149 228 WESTFIELD GRP 2,977 2,977 6.69 7.76 0.10 99.1250 308 PHILADELPHIA CONTRIBUTIONSHIP GRP 2,841 2,822 9.72 9.72 0.10 99.2151 2518 CENTRAL SERV GRP 2,751 2,713 37.62 39.88 0.09 99.3152 533 SOUTH CAROLINA FARM BUREAU MUT GRP 2,482 2,424 -3.96 -3.96 0.08 99.3953 109 KENTUCKY FARM BUREAU GRP 2,117 2,117 0.00 0.00 0.07 99.4654 84 AMERICAN FINANCIAL GRP 1,890 1,541 40.77 43.25 0.06 99.5355 175 STATE AUTO MUT GRP 1,811 1,709 4.63 4.63 0.06 99.5956 195 UNION MUTUAL FIRE INS GRP 1,568 1,520 -0.78 -0.78 0.05 99.6457 888 MUTUAL FIRE MARINE & INLAND INS GRP 1,506 1,373 5.91 6.49 0.05 99.7058 106 ISLAND INS CO GRP 1,401 1,401 20.01 20.01 0.05 99.7459 225 IAT REINS CO GRP 1,363 1,363 0.00 0.00 0.05 99.7960 203 VIRGINIA FARM BUREAU GRP 1,321 1,321 139.73 139.73 0.05 99.8461 15024 PREFERRED MUT INS CO 1,314 1,268 11.16 11.16 0.04 99.88




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**INDUSTRY TOTAL** 2,924,278 2,936,870 35.74 36.85 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 19 ASSURANT INC GRP 4,094 4,095 13.05 13.05 13.62 13.622 176 STATE FARM GRP 3,855 3,781 43.17 44.20 12.83 26.453 670 FIDELITY NATL FIN GRP 3,282 3,173 21.03 21.49 10.92 37.374 242 SELECTIVE INS GRP 2,832 2,585 4.22 4.68 9.42 46.795 12 AMERICAN INTL GRP 2,451 2,448 83.14 83.17 8.16 54.956 280 AUTO OWNERS GRP 2,406 2,463 26.02 27.93 8.01 62.957 8 ALLSTATE INS GRP 2,002 1,953 86.19 86.19 6.66 69.618 3548 TRAVELERS GRP 1,961 1,817 42.51 44.41 6.52 76.149 140 NATIONWIDE CORP GRP 1,600 1,625 8.30 7.94 5.33 81.4610 91 HARTFORD FIRE & CAS GRP 1,485 1,877 25.52 27.15 4.94 86.40

**STATE TOTAL** 30,055 29,745 35.71 36.61 100.00 100.00. .

Alaska 1 8 ALLSTATE INS GRP 618 593 17.46 17.46 29.80 29.802 91 HARTFORD FIRE & CAS GRP 473 523 11.41 11.99 22.83 52.633 176 STATE FARM GRP 447 434 26.00 26.02 21.54 74.174 670 FIDELITY NATL FIN GRP 158 163 2.71 2.71 7.61 81.785 200 UNITED SERV AUTOMOBILE ASSN GRP 155 155 12.83 13.32 7.50 89.286 19 ASSURANT INC GRP 104 94 1.32 1.32 5.00 94.287 242 SELECTIVE INS GRP 66 60 93.00 96.24 3.18 97.468 212 ZURICH INS GRP 19 18 12.09 12.42 0.90 98.369 3548 TRAVELERS GRP 17 20 342.03 354.73 0.84 99.2010 12 AMERICAN INTL GRP 7 7 7.62 7.80 0.35 99.55

**STATE TOTAL** 2,074 2,087 20.61 21.02 100.00 100.00. .

Arizona 1 176 STATE FARM GRP 2,850 2,845 -1.52 -1.52 15.80 15.802 212 ZURICH INS GRP 2,635 2,688 27.60 27.71 14.61 30.413 8 ALLSTATE INS GRP 2,108 2,126 -0.72 -0.72 11.69 42.114 91 HARTFORD FIRE & CAS GRP 1,976 3,420 0.81 0.88 10.96 53.065 670 FIDELITY NATL FIN GRP 1,575 1,588 35.26 35.26 8.74 61.806 19 ASSURANT INC GRP 1,174 1,212 -0.75 -0.75 6.51 68.317 473 AMERICAN FAMILY INS GRP 1,112 1,112 1.31 1.44 6.16 74.488 200 UNITED SERV AUTOMOBILE ASSN GRP 1,085 1,073 1.18 1.19 6.02 80.509 3548 TRAVELERS GRP 970 847 6.53 10.19 5.38 85.8810 280 AUTO OWNERS GRP 869 873 0.43 0.56 4.82 90.70

**STATE TOTAL** 18,032 19,530 6.81 6.99 100.00 100.00. .

Arkansas 1 483 SOUTHERN FARM BUREAU CAS GRP 1,455 1,410 74.71 74.71 15.37 15.372 176 STATE FARM GRP 1,435 1,388 91.61 91.61 15.15 30.523 19 ASSURANT INC GRP 982 968 207.20 207.20 10.38 40.904 670 FIDELITY NATL FIN GRP 803 807 109.15 109.15 8.48 49.385 8 ALLSTATE INS GRP 706 673 100.68 100.68 7.46 56.846 3548 TRAVELERS GRP 628 565 71.62 78.55 6.63 63.467 212 ZURICH INS GRP 601 598 77.38 80.49 6.35 69.828 253 HARLEYSVILLE GRP 530 498 73.13 75.25 5.60 75.429 91 HARTFORD FIRE & CAS GRP 517 690 26.03 27.26 5.47 80.8810 140 NATIONWIDE CORP GRP 455 452 70.00 70.10 4.80 85.69

**STATE TOTAL** 9,469 9,322 94.41 95.59 100.00 100.00. .

California 1 670 FIDELITY NATL FIN GRP 31,283 30,532 1.31 1.31 17.43 17.432 212 ZURICH INS GRP 30,347 28,484 25.34 25.37 16.91 34.343 176 STATE FARM GRP 27,076 26,044 0.00 -0.00 15.09 49.434 91 HARTFORD FIRE & CAS GRP 26,025 29,413 0.96 1.01 14.50 63.935 8 ALLSTATE INS GRP 18,850 18,203 0.21 0.21 10.50 74.436 19 ASSURANT INC GRP 10,139 9,835 0.92 0.92 5.65 80.087 1278 CALIFORNIA STATE AUTO GRP 9,694 9,251 0.03 0.03 5.40 85.498 3548 TRAVELERS GRP 7,256 6,822 1.01 1.07 4.04 89.539 200 UNITED SERV AUTOMOBILE ASSN GRP 5,774 5,538 1.57 5.19 3.22 92.7510 242 SELECTIVE INS GRP 2,442 2,117 2.39 2.52 1.36 94.11

**STATE TOTAL** 179,462 176,516 4.57 4.68 100.00 100.00. .

Colorado 1 176 STATE FARM GRP 2,464 2,482 1.44 1.44 18.28 18.282 91 HARTFORD FIRE & CAS GRP 2,011 2,879 3.37 3.55 14.92 33.203 3548 TRAVELERS GRP 1,518 1,549 24.90 25.93 11.26 44.454 212 ZURICH INS GRP 1,431 1,419 24.94 25.06 10.62 55.075 670 FIDELITY NATL FIN GRP 1,185 1,184 1.37 1.37 8.80 63.87




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 473 AMERICAN FAMILY INS GRP 1,087 1,092 -0.27 -0.24 8.07 71.947 19 ASSURANT INC GRP 824 864 0.18 0.18 6.12 78.058 200 UNITED SERV AUTOMOBILE ASSN GRP 802 781 0.78 0.79 5.95 84.009 8 ALLSTATE INS GRP 776 789 3.74 3.74 5.76 89.7710 242 SELECTIVE INS GRP 460 430 0.86 1.07 3.41 93.18

**STATE TOTAL** 13,479 14,382 6.74 6.94 100.00 100.00. .

Connecticut 1 3548 TRAVELERS GRP 7,091 7,005 5.45 5.86 21.00 21.002 50 COUNTRY INS & FIN SERV GRP 5,775 5,639 -3.33 -3.36 17.10 38.113 91 HARTFORD FIRE & CAS GRP 4,431 5,786 2.85 3.12 13.12 51.234 670 FIDELITY NATL FIN GRP 2,714 2,717 0.09 0.09 8.04 59.275 8 ALLSTATE INS GRP 2,481 2,407 0.60 0.60 7.35 66.616 242 SELECTIVE INS GRP 2,281 2,201 3.99 4.14 6.76 73.377 140 NATIONWIDE CORP GRP 1,534 1,497 0.06 -0.05 4.54 77.918 200 UNITED SERV AUTOMOBILE ASSN GRP 1,521 1,468 -2.43 -2.08 4.50 82.429 253 HARLEYSVILLE GRP 1,180 1,036 4.46 4.75 3.49 85.9110 19 ASSURANT INC GRP 1,104 1,105 -0.01 -0.01 3.27 89.18

**STATE TOTAL** 33,764 34,360 1.64 1.80 100.00 100.00. .

Delaware 1 242 SELECTIVE INS GRP 4,281 4,187 11.35 12.03 30.41 30.412 253 HARLEYSVILLE GRP 2,598 2,497 8.08 8.40 18.45 48.863 176 STATE FARM GRP 2,152 2,095 2.24 2.22 15.29 64.144 670 FIDELITY NATL FIN GRP 1,125 1,142 5.11 5.11 7.99 72.135 140 NATIONWIDE CORP GRP 973 946 5.49 5.38 6.91 79.046 200 UNITED SERV AUTOMOBILE ASSN GRP 717 695 8.27 8.73 5.09 84.137 3548 TRAVELERS GRP 590 578 0.21 0.26 4.19 88.338 91 HARTFORD FIRE & CAS GRP 583 1,511 0.00 0.02 4.14 92.479 8 ALLSTATE INS GRP 357 360 12.38 12.38 2.54 95.0110 111 LIBERTY MUT GRP 264 250 0.00 0.00 1.87 96.88

**STATE TOTAL** 14,079 14,693 6.74 7.00 100.00 100.00. .

District of Columbia 1 242 SELECTIVE INS GRP 154 149 0.41 0.43 26.58 26.582 3548 TRAVELERS GRP 116 108 0.00 0.00 19.90 46.483 253 HARLEYSVILLE GRP 76 63 0.00 0.00 13.08 59.564 200 UNITED SERV AUTOMOBILE ASSN GRP 68 65 5.73 7.64 11.69 71.255 91 HARTFORD FIRE & CAS GRP 39 108 0.00 0.00 6.77 78.026 8 ALLSTATE INS GRP 30 30 33.80 33.80 5.14 83.167 19 ASSURANT INC GRP 26 26 0.18 0.18 4.47 87.638 670 FIDELITY NATL FIN GRP 22 22 0.26 0.26 3.79 91.429 140 NATIONWIDE CORP GRP 21 18 0.00 0.00 3.68 95.1110 176 STATE FARM GRP 13 14 0.00 0.00 2.25 97.35

**STATE TOTAL** 580 615 6.64 7.28 100.00 100.00. .

Florida 1 670 FIDELITY NATL FIN GRP 185,385 184,281 9.54 9.73 20.28 20.282 176 STATE FARM GRP 105,238 108,485 3.85 3.90 11.52 31.803 8 ALLSTATE INS GRP 96,038 94,872 7.42 7.42 10.51 42.314 91 HARTFORD FIRE & CAS GRP 79,830 100,568 4.05 4.27 8.73 51.045 19 ASSURANT INC GRP 58,272 57,796 5.26 5.26 6.38 57.426 140 NATIONWIDE CORP GRP 48,897 50,885 1.07 1.00 5.35 62.777 242 SELECTIVE INS GRP 37,927 37,743 8.33 8.79 4.15 66.928 200 UNITED SERV AUTOMOBILE ASSN GRP 35,360 35,132 5.53 5.89 3.87 70.799 3548 TRAVELERS GRP 32,337 32,972 5.96 6.37 3.54 74.3310 1344 ARX HOLDING CORP GRP 29,334 27,846 5.22 5.22 3.21 77.54

**STATE TOTAL** 913,924 937,183 5.46 5.60 100.00 100.00. .

Georgia 1 176 STATE FARM GRP 10,017 9,543 311.07 311.09 18.08 18.082 8 ALLSTATE INS GRP 7,063 6,696 192.60 192.60 12.75 30.833 670 FIDELITY NATL FIN GRP 6,831 6,733 100.54 100.54 12.33 43.164 3548 TRAVELERS GRP 5,532 5,321 261.52 274.32 9.99 53.155 253 HARLEYSVILLE GRP 4,545 4,389 46.35 48.22 8.20 61.356 200 UNITED SERV AUTOMOBILE ASSN GRP 4,166 3,861 212.33 219.79 7.52 68.877 561 GEORGIA FARM BUREAU GRP 4,144 4,144 0.00 0.00 7.48 76.358 91 HARTFORD FIRE & CAS GRP 2,854 3,420 25.26 25.82 5.15 81.509 140 NATIONWIDE CORP GRP 2,422 2,303 147.94 148.27 4.37 85.8710 280 AUTO OWNERS GRP 1,843 1,705 337.14 350.17 3.33 89.20




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 55,399 53,838 198.34 201.33 100.00 100.00. .

Hawaii 1 218 CNA INS GRP 8,663 8,533 -13.29 -13.29 31.30 31.302 242 SELECTIVE INS GRP 8,339 7,950 10.39 10.69 30.13 61.423 670 FIDELITY NATL FIN GRP 2,271 2,304 0.03 0.03 8.20 69.634 176 STATE FARM GRP 1,761 1,809 19.77 19.77 6.36 75.995 106 ISLAND INS CO GRP 1,401 1,401 20.01 20.01 5.06 81.056 19 ASSURANT INC GRP 1,281 1,271 7.94 7.94 4.63 85.687 8 ALLSTATE INS GRP 1,179 1,140 12.50 12.50 4.26 89.948 200 UNITED SERV AUTOMOBILE ASSN GRP 757 749 -11.04 -10.85 2.74 92.679 91 HARTFORD FIRE & CAS GRP 602 762 1.44 1.64 2.18 94.8510 111 LIBERTY MUT GRP 586 565 75.98 75.98 2.12 96.96

**STATE TOTAL** 27,680 27,414 5.32 5.48 100.00 100.00. .

Idaho 1 176 STATE FARM GRP 635 628 0.67 0.67 16.42 16.422 19 ASSURANT INC GRP 540 514 4.64 4.64 13.98 30.393 91 HARTFORD FIRE & CAS GRP 521 758 1.61 1.80 13.48 43.874 8 ALLSTATE INS GRP 519 524 1.67 1.67 13.42 57.295 212 ZURICH INS GRP 506 506 27.52 27.88 13.08 70.376 670 FIDELITY NATL FIN GRP 299 307 12.28 12.28 7.73 78.107 3548 TRAVELERS GRP 233 228 0.00 0.12 6.03 84.138 200 UNITED SERV AUTOMOBILE ASSN GRP 171 174 5.75 6.13 4.43 88.569 242 SELECTIVE INS GRP 114 129 -1.39 -1.38 2.96 91.5210 473 AMERICAN FAMILY INS GRP 61 64 19.52 21.46 1.58 93.11

**STATE TOTAL** 3,866 4,073 6.95 7.12 100.00 100.00. .

Illinois 1 176 STATE FARM GRP 7,935 8,006 -31.55 -31.27 26.04 26.042 8 ALLSTATE INS GRP 4,556 4,813 23.80 23.80 14.95 40.993 91 HARTFORD FIRE & CAS GRP 3,764 4,963 141.97 150.58 12.35 53.344 3548 TRAVELERS GRP 1,952 1,859 21.21 25.50 6.41 59.755 212 ZURICH INS GRP 1,948 1,958 68.39 73.18 6.39 66.146 473 AMERICAN FAMILY INS GRP 1,870 1,898 -13.43 -11.21 6.14 72.287 280 AUTO OWNERS GRP 1,736 1,688 53.51 55.83 5.70 77.988 19 ASSURANT INC GRP 1,507 1,523 11.24 11.24 4.94 82.929 670 FIDELITY NATL FIN GRP 1,361 1,319 38.85 38.85 4.47 87.3910 242 SELECTIVE INS GRP 1,164 1,098 55.42 58.34 3.82 91.21

**STATE TOTAL** 30,471 31,795 29.75 32.21 100.00 100.00. .

Indiana 1 176 STATE FARM GRP 5,329 5,199 -32.70 -32.58 25.68 25.682 280 AUTO OWNERS GRP 3,019 2,970 73.40 77.25 14.55 40.233 670 FIDELITY NATL FIN GRP 1,812 1,753 91.86 92.87 8.73 48.954 242 SELECTIVE INS GRP 1,681 1,445 54.73 57.46 8.10 57.065 8 ALLSTATE INS GRP 1,511 1,457 87.81 87.81 7.28 64.346 91 HARTFORD FIRE & CAS GRP 1,247 1,705 148.28 154.47 6.01 70.357 473 AMERICAN FAMILY INS GRP 1,065 1,064 73.92 77.25 5.13 75.488 19 ASSURANT INC GRP 1,064 1,025 88.58 88.58 5.12 80.609 3548 TRAVELERS GRP 972 930 56.96 64.67 4.68 85.2810 212 ZURICH INS GRP 884 872 188.73 198.52 4.26 89.54

**STATE TOTAL** 20,754 20,433 57.72 60.21 100.00 100.00. .

Iowa 1 242 SELECTIVE INS GRP 2,323 2,072 81.92 85.28 23.49 23.492 176 STATE FARM GRP 1,459 1,437 -446.81 -446.69 14.75 38.243 280 AUTO OWNERS GRP 1,107 1,008 40.39 41.44 11.19 49.434 91 HARTFORD FIRE & CAS GRP 1,054 1,085 685.80 703.28 10.65 60.085 670 FIDELITY NATL FIN GRP 736 705 -4.17 -3.66 7.44 67.536 19 ASSURANT INC GRP 716 694 -56.16 -56.16 7.24 74.777 140 NATIONWIDE CORP GRP 626 565 528.85 529.54 6.33 81.108 473 AMERICAN FAMILY INS GRP 589 585 78.14 82.35 5.95 87.059 3548 TRAVELERS GRP 528 490 33.67 35.05 5.34 92.3810 8 ALLSTATE INS GRP 214 222 3.57 3.57 2.16 94.55

**STATE TOTAL** 9,891 9,394 75.48 78.95 100.00 100.00. .

Kansas 1 176 STATE FARM GRP 1,115 1,068 16.08 16.09 16.12 16.122 19 ASSURANT INC GRP 834 767 107.18 107.18 12.06 28.193 473 AMERICAN FAMILY INS GRP 788 758 1.35 2.62 11.40 39.58




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 670 FIDELITY NATL FIN GRP 740 698 13.72 13.72 10.69 50.285 212 ZURICH INS GRP 647 641 81.41 85.14 9.36 59.646 91 HARTFORD FIRE & CAS GRP 629 759 170.94 175.97 9.10 68.737 3548 TRAVELERS GRP 565 527 25.62 27.05 8.16 76.908 140 NATIONWIDE CORP GRP 376 349 68.51 68.00 5.43 82.339 677 PHILADELPHIA CONSOLIDATED HOLDING GR 297 283 3.57 5.23 4.29 86.6210 8 ALLSTATE INS GRP 296 336 109.55 109.55 4.27 90.90

**STATE TOTAL** 6,918 6,747 55.15 56.46 100.00 100.00. .

Kentucky 1 109 KENTUCKY FARM BUREAU GRP 2,117 2,117 0.00 0.00 16.02 16.022 176 STATE FARM GRP 1,669 1,581 72.21 72.20 12.63 28.653 19 ASSURANT INC GRP 1,546 1,562 106.05 106.05 11.70 40.354 670 FIDELITY NATL FIN GRP 1,245 1,187 366.03 366.03 9.42 49.775 91 HARTFORD FIRE & CAS GRP 1,236 1,595 47.52 50.77 9.36 59.136 3548 TRAVELERS GRP 1,043 1,001 32.82 35.50 7.89 67.027 8 ALLSTATE INS GRP 914 877 133.36 133.36 6.92 73.948 242 SELECTIVE INS GRP 903 885 95.94 101.21 6.84 80.789 280 AUTO OWNERS GRP 800 728 60.58 64.49 6.06 86.8310 140 NATIONWIDE CORP GRP 683 662 195.90 196.33 5.17 92.00

**STATE TOTAL** 13,214 13,178 96.63 98.02 100.00 100.00. .

Louisiana 1 670 FIDELITY NATL FIN GRP 72,899 71,673 31.27 34.05 25.29 25.292 176 STATE FARM GRP 68,963 67,610 -41.96 -36.33 23.92 49.213 8 ALLSTATE INS GRP 47,718 47,395 25.41 25.41 16.55 65.764 19 ASSURANT INC GRP 28,300 28,611 14.34 14.34 9.82 75.585 483 SOUTHERN FARM BUREAU CAS GRP 9,729 9,394 41.02 41.02 3.37 78.966 3548 TRAVELERS GRP 9,482 9,475 18.56 29.21 3.29 82.247 91 HARTFORD FIRE & CAS GRP 8,924 14,143 90.30 93.68 3.10 85.348 12 AMERICAN INTL GRP 7,294 7,293 186.63 186.28 2.53 87.879 200 UNITED SERV AUTOMOBILE ASSN GRP 6,605 6,465 8.36 11.10 2.29 90.1610 408 AMERICAN NATL FIN GRP 6,389 6,359 45.09 45.09 2.22 92.38

**STATE TOTAL** 288,276 288,868 17.60 20.27 100.00 100.00. .

Maine 1 670 FIDELITY NATL FIN GRP 1,139 1,116 6.97 6.97 17.31 17.312 8 ALLSTATE INS GRP 1,053 1,015 0.98 0.98 16.01 33.333 50 COUNTRY INS & FIN SERV GRP 1,049 1,033 -0.22 -0.11 15.94 49.274 3548 TRAVELERS GRP 635 572 0.33 0.45 9.65 58.925 91 HARTFORD FIRE & CAS GRP 423 506 0.00 0.00 6.43 65.356 311 MAIN STREET AMER GRP 418 402 0.00 0.00 6.35 71.707 242 SELECTIVE INS GRP 415 406 0.26 0.27 6.30 78.018 176 STATE FARM GRP 299 301 4.99 5.41 4.54 82.549 200 UNITED SERV AUTOMOBILE ASSN GRP 263 254 11.23 12.54 4.00 86.5410 195 UNION MUTUAL FIRE INS GRP 193 181 16.57 16.57 2.93 89.47

**STATE TOTAL** 6,579 6,420 3.22 3.35 100.00 100.00. .

Maryland 1 242 SELECTIVE INS GRP 6,387 6,258 1.80 2.60 20.11 20.112 253 HARLEYSVILLE GRP 5,927 5,682 4.60 4.83 18.67 38.783 176 STATE FARM GRP 3,888 3,795 0.98 1.09 12.25 51.034 8 ALLSTATE INS GRP 2,975 2,940 4.26 4.26 9.37 60.395 140 NATIONWIDE CORP GRP 2,866 2,855 6.78 6.72 9.03 69.426 3548 TRAVELERS GRP 2,601 2,600 -2.79 -0.61 8.19 77.617 200 UNITED SERV AUTOMOBILE ASSN GRP 1,998 1,926 7.36 8.51 6.29 83.908 670 FIDELITY NATL FIN GRP 1,837 1,817 3.49 3.59 5.78 89.699 91 HARTFORD FIRE & CAS GRP 1,459 2,394 0.69 0.74 4.60 94.2810 19 ASSURANT INC GRP 576 521 3.91 3.91 1.81 96.10

**STATE TOTAL** 31,754 31,947 2.98 3.45 100.00 100.00. .

Massachusetts 1 3548 TRAVELERS GRP 11,252 10,800 6.98 7.65 26.37 26.372 91 HARTFORD FIRE & CAS GRP 9,561 9,677 3.08 3.32 22.41 48.783 670 FIDELITY NATL FIN GRP 8,467 8,274 0.75 0.91 19.84 68.634 253 HARLEYSVILLE GRP 2,452 2,279 2.55 3.18 5.75 74.375 242 SELECTIVE INS GRP 2,053 1,678 3.42 3.59 4.81 79.186 19 ASSURANT INC GRP 1,870 1,831 1.14 1.14 4.38 83.577 111 LIBERTY MUT GRP 1,255 1,222 0.73 0.73 2.94 86.518 200 UNITED SERV AUTOMOBILE ASSN GRP 1,158 1,113 -3.66 -3.73 2.71 89.22




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 311 MAIN STREET AMER GRP 924 981 -1.38 -1.38 2.17 91.3910 677 PHILADELPHIA CONSOLIDATED HOLDING GR 699 422 1.49 4.11 1.64 93.02

**STATE TOTAL** 42,667 41,159 3.10 3.43 100.00 100.00. .

Michigan 1 280 AUTO OWNERS GRP 4,955 4,800 14.73 16.59 30.46 30.462 176 STATE FARM GRP 3,141 3,156 12.18 12.40 19.31 49.773 91 HARTFORD FIRE & CAS GRP 1,752 2,033 24.79 26.87 10.77 60.554 8 ALLSTATE INS GRP 1,165 1,129 19.45 19.45 7.16 67.705 212 ZURICH INS GRP 972 978 50.39 52.20 5.97 73.686 19 ASSURANT INC GRP 971 993 15.00 15.00 5.97 79.657 242 SELECTIVE INS GRP 670 620 -0.31 0.81 4.12 83.778 253 HARLEYSVILLE GRP 507 454 0.36 0.69 3.11 86.889 670 FIDELITY NATL FIN GRP 451 462 2.15 2.15 2.77 89.6610 3548 TRAVELERS GRP 341 301 3.09 3.79 2.10 91.76

**STATE TOTAL** 16,266 16,250 15.44 16.51 100.00 100.00. .

Minnesota 1 280 AUTO OWNERS GRP 1,480 1,369 126.49 133.18 22.97 22.972 176 STATE FARM GRP 1,121 1,086 160.49 160.98 17.40 40.363 473 AMERICAN FAMILY INS GRP 779 735 205.11 217.23 12.09 52.454 91 HARTFORD FIRE & CAS GRP 596 703 98.71 104.99 9.25 61.715 212 ZURICH INS GRP 400 397 59.22 62.76 6.21 67.916 19 ASSURANT INC GRP 358 359 140.98 140.98 5.55 73.467 8 ALLSTATE INS GRP 268 261 25.03 25.03 4.16 77.628 670 FIDELITY NATL FIN GRP 263 246 98.15 98.15 4.08 81.709 3548 TRAVELERS GRP 263 242 2.94 3.27 4.08 85.7910 253 HARLEYSVILLE GRP 217 196 21.87 23.29 3.36 89.15

**STATE TOTAL** 6,446 6,264 111.75 115.98 100.00 100.00. .

Mississippi 1 176 STATE FARM GRP 7,887 7,841 35.58 40.55 22.19 22.192 670 FIDELITY NATL FIN GRP 5,703 5,556 31.11 31.71 16.05 38.243 8 ALLSTATE INS GRP 3,661 3,524 29.96 29.96 10.30 48.544 140 NATIONWIDE CORP GRP 3,462 3,315 160.55 160.77 9.74 58.285 19 ASSURANT INC GRP 2,486 2,362 57.85 57.85 7.00 65.286 242 SELECTIVE INS GRP 2,172 1,836 28.24 29.91 6.11 71.397 12 AMERICAN INTL GRP 2,081 2,081 94.67 94.34 5.86 77.248 483 SOUTHERN FARM BUREAU CAS GRP 1,916 1,831 25.31 25.31 5.39 82.639 91 HARTFORD FIRE & CAS GRP 1,913 2,106 47.68 50.62 5.38 88.0110 200 UNITED SERV AUTOMOBILE ASSN GRP 1,189 1,121 67.21 71.50 3.34 91.36

**STATE TOTAL** 35,542 34,644 55.31 57.18 100.00 100.00. .

Missouri 1 176 STATE FARM GRP 2,066 2,029 26.12 26.28 12.73 12.732 670 FIDELITY NATL FIN GRP 1,996 1,974 81.12 81.12 12.30 25.033 19 ASSURANT INC GRP 1,990 1,909 19.44 19.44 12.26 37.294 91 HARTFORD FIRE & CAS GRP 1,842 2,231 127.55 132.19 11.35 48.645 3548 TRAVELERS GRP 1,726 1,759 77.35 85.07 10.63 59.276 473 AMERICAN FAMILY INS GRP 1,540 1,512 -21.47 -21.19 9.49 68.767 212 ZURICH INS GRP 1,149 1,156 70.82 75.12 7.08 75.848 242 SELECTIVE INS GRP 1,075 935 -35.18 -34.17 6.62 82.469 8 ALLSTATE INS GRP 600 632 -17.00 -17.00 3.69 86.1610 280 AUTO OWNERS GRP 576 538 88.87 91.41 3.55 89.71

**STATE TOTAL** 16,230 16,294 50.36 52.44 100.00 100.00. .

Montana 1 91 HARTFORD FIRE & CAS GRP 1,056 1,159 3.32 3.56 43.48 43.482 176 STATE FARM GRP 376 362 0.00 0.00 15.47 58.953 212 ZURICH INS GRP 251 243 28.06 28.60 10.33 69.284 8 ALLSTATE INS GRP 175 176 0.00 0.00 7.21 76.495 3548 TRAVELERS GRP 118 115 0.00 0.00 4.85 81.346 200 UNITED SERV AUTOMOBILE ASSN GRP 98 92 0.02 0.02 4.06 85.407 670 FIDELITY NATL FIN GRP 97 95 0.27 0.27 3.98 89.388 19 ASSURANT INC GRP 94 100 -0.82 -0.82 3.87 93.259 242 SELECTIVE INS GRP 48 42 1.99 2.05 1.98 95.2310 12 AMERICAN INTL GRP 25 25 6.34 6.47 1.05 96.28

**STATE TOTAL** 2,428 2,493 4.38 4.55 100.00 100.00. .

Nebraska 1 176 STATE FARM GRP 1,377 1,369 -1.25 -1.25 18.87 18.87




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 670 FIDELITY NATL FIN GRP 1,091 1,091 -1.16 -1.16 14.95 33.823 280 AUTO OWNERS GRP 742 692 1.45 1.42 10.17 43.994 19 ASSURANT INC GRP 705 700 5.37 5.37 9.66 53.655 91 HARTFORD FIRE & CAS GRP 558 573 3.40 3.62 7.65 61.306 473 AMERICAN FAMILY INS GRP 497 500 -9.00 -9.21 6.81 68.117 3548 TRAVELERS GRP 435 432 0.00 0.00 5.96 74.078 140 NATIONWIDE CORP GRP 395 373 2.28 2.18 5.42 79.499 212 ZURICH INS GRP 383 366 25.66 26.00 5.25 84.7410 242 SELECTIVE INS GRP 358 363 -0.15 -0.13 4.91 89.65

**STATE TOTAL** 7,298 7,155 1.36 1.39 100.00 100.00. .

Nevada 1 91 HARTFORD FIRE & CAS GRP 1,323 2,068 0.00 0.01 16.74 16.742 212 ZURICH INS GRP 1,248 1,268 26.27 26.28 15.79 32.533 176 STATE FARM GRP 1,162 1,164 -0.07 0.02 14.70 47.234 19 ASSURANT INC GRP 945 1,011 -0.82 -0.82 11.96 59.195 8 ALLSTATE INS GRP 824 817 0.00 0.00 10.42 69.626 670 FIDELITY NATL FIN GRP 579 606 0.22 0.22 7.32 76.947 3548 TRAVELERS GRP 448 486 0.00 0.00 5.67 82.608 200 UNITED SERV AUTOMOBILE ASSN GRP 305 300 -0.00 -0.00 3.86 86.469 1278 CALIFORNIA STATE AUTO GRP 198 181 0.15 0.15 2.51 88.9710 473 AMERICAN FAMILY INS GRP 195 192 0.00 0.00 2.47 91.44

**STATE TOTAL** 7,903 8,742 3.80 3.84 100.00 100.00. .

New Hampshire 1 670 FIDELITY NATL FIN GRP 891 871 1.25 1.25 14.68 14.682 3548 TRAVELERS GRP 655 622 3.24 4.06 10.80 25.483 91 HARTFORD FIRE & CAS GRP 631 838 70.55 72.55 10.39 35.884 50 COUNTRY INS & FIN SERV GRP 618 593 -5.27 -5.08 10.18 46.065 253 HARLEYSVILLE GRP 475 463 6.48 6.72 7.83 53.896 8 ALLSTATE INS GRP 375 351 6.90 6.90 6.18 60.077 195 UNION MUTUAL FIRE INS GRP 359 351 -11.92 -11.92 5.91 65.998 176 STATE FARM GRP 313 296 0.05 0.29 5.16 71.159 242 SELECTIVE INS GRP 304 295 0.36 0.37 5.01 76.1510 111 LIBERTY MUT GRP 276 268 -4.71 -4.71 4.55 80.71

**STATE TOTAL** 6,069 6,099 9.40 9.78 100.00 100.00. .

New Jersey 1 242 SELECTIVE INS GRP 40,010 38,920 6.02 7.17 23.91 23.912 670 FIDELITY NATL FIN GRP 25,773 25,466 5.22 5.31 15.40 39.313 91 HARTFORD FIRE & CAS GRP 20,103 22,576 2.27 2.41 12.01 51.324 253 HARLEYSVILLE GRP 16,332 15,587 7.31 7.66 9.76 61.085 3548 TRAVELERS GRP 10,907 10,828 3.45 3.58 6.52 67.596 19 ASSURANT INC GRP 10,208 10,013 2.10 2.10 6.10 73.697 176 STATE FARM GRP 9,444 9,233 1.42 1.43 5.64 79.348 8 ALLSTATE INS GRP 9,386 8,993 4.11 4.11 5.61 84.949 708 NEW JERSEY MANUFACTURERS GRP 7,582 7,283 2.97 3.13 4.53 89.4710 1227 PALISADES GRP 4,597 4,499 -7.66 -7.75 2.75 92.22

**STATE TOTAL** 167,361 166,881 4.14 4.51 100.00 100.00. .

New Mexico 1 212 ZURICH INS GRP 2,032 1,941 20.18 20.40 20.96 20.962 8 ALLSTATE INS GRP 1,641 1,606 -0.94 -0.94 16.93 37.893 176 STATE FARM GRP 1,604 1,568 1.43 1.43 16.54 54.434 91 HARTFORD FIRE & CAS GRP 1,436 2,383 1.31 1.51 14.82 69.255 670 FIDELITY NATL FIN GRP 951 920 24.52 24.52 9.81 79.066 200 UNITED SERV AUTOMOBILE ASSN GRP 554 544 -1.13 -1.17 5.72 84.787 19 ASSURANT INC GRP 417 464 1.12 1.12 4.31 89.098 3548 TRAVELERS GRP 320 316 7.07 7.27 3.30 92.399 677 PHILADELPHIA CONSOLIDATED HOLDING GR 150 146 2.64 4.26 1.54 93.9310 253 HARLEYSVILLE GRP 129 150 0.00 0.00 1.33 95.27

**STATE TOTAL** 9,693 10,476 6.68 6.79 100.00 100.00. .

New York 1 3548 TRAVELERS GRP 28,908 27,649 3.70 4.15 23.80 23.802 8 ALLSTATE INS GRP 22,256 21,014 4.91 4.91 18.33 42.133 670 FIDELITY NATL FIN GRP 16,023 15,365 1.97 2.11 13.19 55.324 176 STATE FARM GRP 12,466 11,557 2.59 2.69 10.27 65.595 242 SELECTIVE INS GRP 7,080 6,738 6.90 8.33 5.83 71.426 19 ASSURANT INC GRP 6,402 6,356 5.43 5.43 5.27 76.69




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 91 HARTFORD FIRE & CAS GRP 6,340 8,399 1.24 1.36 5.22 81.918 111 LIBERTY MUT GRP 4,154 3,907 -0.48 -0.48 3.42 85.339 253 HARLEYSVILLE GRP 3,483 3,227 0.94 1.10 2.87 88.2010 140 NATIONWIDE CORP GRP 3,474 3,298 1.19 1.02 2.86 91.06

**STATE TOTAL** 121,443 117,792 4.41 4.72 100.00 100.00. .

North Carolina 1 91 HARTFORD FIRE & CAS GRP 11,502 12,527 38.66 40.09 14.99 14.992 242 SELECTIVE INS GRP 10,395 10,096 13.10 13.91 13.55 28.533 324 NORTH CAROLINA FARM BUREAU GRP 9,275 9,275 8.94 8.94 12.09 40.624 140 NATIONWIDE CORP GRP 8,529 8,375 11.91 11.89 11.11 51.735 176 STATE FARM GRP 6,841 6,718 2.75 2.67 8.91 60.656 670 FIDELITY NATL FIN GRP 6,625 6,573 18.17 18.17 8.63 69.287 3548 TRAVELERS GRP 4,742 4,781 6.10 6.59 6.18 75.468 200 UNITED SERV AUTOMOBILE ASSN GRP 4,020 3,942 7.13 7.86 5.24 80.709 253 HARLEYSVILLE GRP 3,428 3,656 40.11 41.14 4.47 85.1710 8 ALLSTATE INS GRP 3,021 2,964 11.09 11.09 3.94 89.10

**STATE TOTAL** 76,740 77,585 15.61 16.06 100.00 100.00. .

North Dakota 1 280 AUTO OWNERS GRP 1,246 976 539.46 568.12 22.11 22.112 176 STATE FARM GRP 860 722 563.50 563.75 15.25 37.363 91 HARTFORD FIRE & CAS GRP 846 616 424.23 450.56 15.01 52.374 473 AMERICAN FAMILY INS GRP 581 475 283.29 302.81 10.31 62.695 19 ASSURANT INC GRP 550 491 489.91 489.91 9.75 72.446 670 FIDELITY NATL FIN GRP 334 285 324.98 324.98 5.92 78.367 253 HARLEYSVILLE GRP 289 250 406.53 424.27 5.13 83.498 212 ZURICH INS GRP 237 187 561.56 584.50 4.21 87.709 242 SELECTIVE INS GRP 226 169 37.70 43.04 4.01 91.7110 8 ALLSTATE INS GRP 159 122 275.83 275.83 2.82 94.53

**STATE TOTAL** 5,637 4,551 431.88 446.22 100.00 100.00. .

Ohio 1 280 AUTO OWNERS GRP 4,076 3,988 11.83 13.13 15.84 15.842 176 STATE FARM GRP 3,909 3,824 5.27 5.27 15.18 31.023 91 HARTFORD FIRE & CAS GRP 2,368 2,902 7.17 7.73 9.20 40.224 140 NATIONWIDE CORP GRP 2,283 2,310 1.98 1.73 8.87 49.095 3548 TRAVELERS GRP 2,252 2,160 3.82 4.27 8.75 57.846 8 ALLSTATE INS GRP 1,936 1,918 9.32 9.32 7.52 65.367 19 ASSURANT INC GRP 1,782 1,759 16.88 16.88 6.92 72.288 242 SELECTIVE INS GRP 1,518 1,388 11.09 11.77 5.90 78.189 670 FIDELITY NATL FIN GRP 1,056 1,065 1.44 1.44 4.10 82.2810 228 WESTFIELD GRP 922 922 17.37 17.97 3.58 85.87

**STATE TOTAL** 25,741 25,619 9.74 10.18 100.00 100.00. .

Oklahoma 1 176 STATE FARM GRP 1,570 1,505 52.21 52.28 18.44 18.442 19 ASSURANT INC GRP 1,267 1,294 34.99 34.99 14.89 33.333 91 HARTFORD FIRE & CAS GRP 1,171 1,506 55.61 58.38 13.75 47.084 212 ZURICH INS GRP 1,052 1,081 38.43 39.90 12.36 59.445 670 FIDELITY NATL FIN GRP 791 740 -4.15 -4.15 9.29 68.736 8 ALLSTATE INS GRP 531 529 21.79 21.79 6.23 74.967 677 PHILADELPHIA CONSOLIDATED HOLDING GR 450 444 24.08 25.68 5.28 80.258 200 UNITED SERV AUTOMOBILE ASSN GRP 423 408 0.99 1.79 4.96 85.219 3548 TRAVELERS GRP 329 339 5.37 6.20 3.86 89.0710 253 HARLEYSVILLE GRP 270 263 13.13 13.95 3.17 92.24

**STATE TOTAL** 8,515 8,752 32.52 33.42 100.00 100.00. .

Oregon 1 91 HARTFORD FIRE & CAS GRP 3,934 4,864 3.31 3.57 19.66 19.662 176 STATE FARM GRP 3,915 3,819 26.26 26.42 19.57 39.243 19 ASSURANT INC GRP 3,546 3,463 5.01 5.01 17.73 56.964 212 ZURICH INS GRP 2,996 2,953 37.21 38.01 14.97 71.945 8 ALLSTATE INS GRP 2,028 2,058 17.96 17.96 10.14 82.076 670 FIDELITY NATL FIN GRP 709 723 16.40 16.40 3.54 85.617 200 UNITED SERV AUTOMOBILE ASSN GRP 649 638 20.48 20.90 3.25 88.868 3548 TRAVELERS GRP 609 564 0.00 0.00 3.04 91.919 473 AMERICAN FAMILY INS GRP 503 509 6.72 6.94 2.51 94.4210 140 NATIONWIDE CORP GRP 274 280 52.34 52.33 1.37 95.79

**STATE TOTAL** 20,005 20,663 16.16 16.41 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Pennsylvania 1 242 SELECTIVE INS GRP 8,547 8,324 33.81 34.99 17.90 17.90

2 3548 TRAVELERS GRP 6,564 6,461 24.50 26.46 13.75 31.643 176 STATE FARM GRP 5,074 4,910 23.36 23.71 10.62 42.274 670 FIDELITY NATL FIN GRP 4,860 4,889 23.13 23.42 10.18 52.455 8 ALLSTATE INS GRP 4,056 3,928 16.97 16.97 8.49 60.946 253 HARLEYSVILLE GRP 4,037 3,834 26.39 27.72 8.45 69.407 140 NATIONWIDE CORP GRP 3,445 3,359 27.96 27.77 7.21 76.618 19 ASSURANT INC GRP 2,108 1,999 50.27 50.27 4.42 81.029 91 HARTFORD FIRE & CAS GRP 2,081 3,239 29.51 30.66 4.36 85.3810 888 MUTUAL FIRE MARINE & INLAND INS GRP 1,506 1,373 5.91 6.49 3.15 88.54

**STATE TOTAL** 47,752 47,696 25.85 26.69 100.00 100.00. .

Rhode Island 1 3548 TRAVELERS GRP 3,550 3,454 3.58 3.81 23.31 23.312 670 FIDELITY NATL FIN GRP 2,347 2,298 -0.80 -0.80 15.41 38.733 242 SELECTIVE INS GRP 2,303 2,197 0.03 0.11 15.12 53.854 8 ALLSTATE INS GRP 1,287 1,222 2.04 2.04 8.45 62.305 140 NATIONWIDE CORP GRP 1,151 1,104 1.04 1.03 7.56 69.856 253 HARLEYSVILLE GRP 1,085 1,010 9.01 9.66 7.12 76.987 91 HARTFORD FIRE & CAS GRP 702 905 1.27 1.54 4.61 81.598 200 UNITED SERV AUTOMOBILE ASSN GRP 671 655 -0.94 -0.29 4.40 85.999 19 ASSURANT INC GRP 591 606 -0.29 -0.29 3.88 89.8710 175 STATE AUTO MUT GRP 424 412 3.50 3.50 2.78 92.66

**STATE TOTAL** 15,228 14,950 1.82 2.00 100.00 100.00. .

South Carolina 1 176 STATE FARM GRP 14,105 13,991 0.87 0.88 13.09 13.092 3548 TRAVELERS GRP 12,648 13,462 0.33 0.39 11.73 24.823 670 FIDELITY NATL FIN GRP 12,247 12,245 1.94 1.94 11.36 36.184 253 HARLEYSVILLE GRP 11,672 11,551 -1.16 -1.20 10.83 47.015 242 SELECTIVE INS GRP 9,742 9,279 0.93 0.98 9.04 56.056 91 HARTFORD FIRE & CAS GRP 8,799 10,576 5.82 6.05 8.16 64.217 140 NATIONWIDE CORP GRP 7,048 6,970 0.74 0.74 6.54 70.758 200 UNITED SERV AUTOMOBILE ASSN GRP 6,517 6,432 2.49 2.79 6.05 76.809 8 ALLSTATE INS GRP 6,378 6,266 4.83 4.83 5.92 82.7110 19 ASSURANT INC GRP 5,062 4,886 2.10 2.10 4.70 87.41

**STATE TOTAL** 107,792 108,731 1.41 1.46 100.00 100.00. .

South Dakota 1 280 AUTO OWNERS GRP 542 453 5.37 10.58 21.37 21.372 176 STATE FARM GRP 353 315 1.77 1.77 13.90 35.273 19 ASSURANT INC GRP 230 183 -8.90 -8.90 9.06 44.334 473 AMERICAN FAMILY INS GRP 220 189 11.85 13.08 8.68 53.005 212 ZURICH INS GRP 186 165 19.26 19.33 7.32 60.326 91 HARTFORD FIRE & CAS GRP 182 224 1.08 1.61 7.19 67.517 670 FIDELITY NATL FIN GRP 178 167 5.48 5.48 7.00 74.518 253 HARLEYSVILLE GRP 171 172 78.99 81.14 6.74 81.259 140 NATIONWIDE CORP GRP 154 130 9.02 8.89 6.08 87.3310 242 SELECTIVE INS GRP 147 106 4.89 5.05 5.78 93.11

**STATE TOTAL** 2,537 2,273 10.28 11.76 100.00 100.00. .

Tennessee 1 176 STATE FARM GRP 2,340 2,255 49.97 50.04 16.04 16.042 670 FIDELITY NATL FIN GRP 2,127 2,046 35.86 35.86 14.58 30.623 3548 TRAVELERS GRP 1,867 1,806 119.87 124.37 12.80 43.424 91 HARTFORD FIRE & CAS GRP 1,392 1,575 9.57 10.41 9.54 52.965 280 AUTO OWNERS GRP 1,329 1,268 70.34 73.35 9.11 62.076 8 ALLSTATE INS GRP 1,052 1,041 80.23 80.23 7.21 69.277 19 ASSURANT INC GRP 786 841 68.23 68.23 5.39 74.668 140 NATIONWIDE CORP GRP 665 644 76.31 76.54 4.56 79.229 200 UNITED SERV AUTOMOBILE ASSN GRP 557 528 18.92 21.03 3.82 83.0410 212 ZURICH INS GRP 487 442 77.71 82.19 3.34 86.38

**STATE TOTAL** 14,587 14,385 55.69 56.93 100.00 100.00. .

Texas 1 670 FIDELITY NATL FIN GRP 61,915 61,371 168.72 168.86 20.53 20.532 176 STATE FARM GRP 49,185 48,720 194.69 195.54 16.31 36.843 212 ZURICH INS GRP 44,032 42,751 180.27 193.33 14.60 51.454 8 ALLSTATE INS GRP 38,245 38,501 122.77 122.77 12.68 64.13




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 3548 TRAVELERS GRP 20,378 20,074 80.42 91.10 6.76 70.896 200 UNITED SERV AUTOMOBILE ASSN GRP 16,124 15,699 103.33 106.71 5.35 76.247 140 NATIONWIDE CORP GRP 11,519 11,382 238.20 239.03 3.82 80.068 15458 DELTA LLOYDS INS CO OF HOUSTON 11,447 13,215 64.78 70.11 3.80 83.859 91 HARTFORD FIRE & CAS GRP 9,423 13,508 288.89 298.99 3.12 86.9810 19 ASSURANT INC GRP 8,843 8,536 97.82 97.82 2.93 89.91

**STATE TOTAL** 301,536 302,310 165.90 169.56 100.00 100.00. .

Utah 1 176 STATE FARM GRP 411 410 0.00 10.46 18.11 18.112 8 ALLSTATE INS GRP 301 299 -6.48 -6.48 13.27 31.383 91 HARTFORD FIRE & CAS GRP 262 397 0.00 0.00 11.53 42.924 212 ZURICH INS GRP 257 263 25.46 25.58 11.33 54.245 3548 TRAVELERS GRP 236 218 0.00 0.00 10.41 64.656 670 FIDELITY NATL FIN GRP 145 131 2.90 2.90 6.39 71.047 200 UNITED SERV AUTOMOBILE ASSN GRP 144 138 0.02 0.03 6.36 77.408 280 AUTO OWNERS GRP 110 111 0.00 0.00 4.83 82.239 19 ASSURANT INC GRP 92 98 10.85 10.85 4.04 86.2710 473 AMERICAN FAMILY INS GRP 84 80 0.00 0.00 3.72 89.99

**STATE TOTAL** 2,270 2,382 4.38 6.24 100.00 100.00. .

Vermont 1 195 UNION MUTUAL FIRE INS GRP 620 604 0.00 0.00 20.33 20.332 311 MAIN STREET AMER GRP 368 356 12.19 12.19 12.05 32.373 670 FIDELITY NATL FIN GRP 309 299 0.27 0.27 10.12 42.494 8 ALLSTATE INS GRP 306 303 5.68 5.68 10.03 52.525 91 HARTFORD FIRE & CAS GRP 246 365 3.98 4.56 8.07 60.596 3548 TRAVELERS GRP 239 236 2.81 3.15 7.81 68.417 50 COUNTRY INS & FIN SERV GRP 146 147 -2.45 -2.55 4.79 73.208 176 STATE FARM GRP 136 130 21.28 21.47 4.44 77.659 19 ASSURANT INC GRP 121 116 0.45 0.45 3.95 81.5910 242 SELECTIVE INS GRP 120 115 0.57 0.59 3.94 85.53

**STATE TOTAL** 3,053 3,072 5.15 5.34 100.00 100.00. .

Virginia 1 176 STATE FARM GRP 10,461 10,047 221.84 221.85 17.06 17.062 200 UNITED SERV AUTOMOBILE ASSN GRP 8,244 8,041 167.35 179.84 13.45 30.513 140 NATIONWIDE CORP GRP 6,748 6,717 127.55 127.52 11.01 41.514 242 SELECTIVE INS GRP 6,474 6,325 120.17 126.15 10.56 52.075 8 ALLSTATE INS GRP 6,275 6,165 240.23 240.23 10.24 62.316 670 FIDELITY NATL FIN GRP 5,603 5,724 163.98 163.98 9.14 71.457 3548 TRAVELERS GRP 4,730 4,625 142.57 147.94 7.71 79.168 91 HARTFORD FIRE & CAS GRP 4,619 5,432 1.88 2.04 7.53 86.709 253 HARLEYSVILLE GRP 3,026 3,031 156.54 162.06 4.94 91.6310 203 VIRGINIA FARM BUREAU GRP 1,321 1,321 139.73 139.73 2.15 93.79

**STATE TOTAL** 61,311 61,087 147.62 150.59 100.00 100.00. .

Washington 1 19 ASSURANT INC GRP 5,571 4,157 267.93 267.93 16.84 16.842 212 ZURICH INS GRP 5,351 3,975 196.17 205.55 16.17 33.013 91 HARTFORD FIRE & CAS GRP 5,176 6,032 91.70 96.23 15.64 48.654 176 STATE FARM GRP 4,048 3,356 151.51 152.16 12.23 60.895 8 ALLSTATE INS GRP 3,228 2,623 147.13 147.13 9.75 70.646 670 FIDELITY NATL FIN GRP 3,012 2,494 182.80 182.80 9.10 79.747 242 SELECTIVE INS GRP 1,525 851 57.93 60.86 4.61 84.358 200 UNITED SERV AUTOMOBILE ASSN GRP 1,336 1,163 81.19 82.60 4.04 88.399 3548 TRAVELERS GRP 1,318 854 88.41 94.08 3.98 92.3810 677 PHILADELPHIA CONSOLIDATED HOLDING GR 418 142 7.56 12.21 1.26 93.64

**STATE TOTAL** 33,087 27,115 159.11 162.27 100.00 100.00. .

West Virginia 1 176 STATE FARM GRP 2,196 2,155 46.46 46.56 16.66 16.662 140 NATIONWIDE CORP GRP 2,126 2,063 94.94 95.14 16.13 32.803 19 ASSURANT INC GRP 1,789 1,806 51.58 51.58 13.58 46.384 3548 TRAVELERS GRP 1,480 1,451 144.13 148.84 11.23 57.615 91 HARTFORD FIRE & CAS GRP 1,434 1,746 55.28 58.11 10.88 68.496 670 FIDELITY NATL FIN GRP 1,150 1,141 38.73 38.73 8.73 77.227 8 ALLSTATE INS GRP 898 873 13.30 13.30 6.81 84.038 677 PHILADELPHIA CONSOLIDATED HOLDING GR 465 408 2.94 4.74 3.53 87.579 242 SELECTIVE INS GRP 445 502 12.44 13.97 3.38 90.94




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 228 WESTFIELD GRP 334 334 -3.42 -2.83 2.54 93.48**STATE TOTAL** 13,175 13,349 59.90 61.05 100.00 100.00

. .Wisconsin 1 280 AUTO OWNERS GRP 1,611 1,547 17.72 17.87 16.88 16.88

2 473 AMERICAN FAMILY INS GRP 1,587 1,545 20.99 22.53 16.63 33.513 176 STATE FARM GRP 1,183 1,129 -133.19 -129.41 12.39 45.904 19 ASSURANT INC GRP 797 750 19.05 19.05 8.35 54.255 91 HARTFORD FIRE & CAS GRP 771 925 27.69 29.10 8.08 62.336 670 FIDELITY NATL FIN GRP 700 662 6.21 6.21 7.33 69.677 242 SELECTIVE INS GRP 641 603 -14.98 -14.16 6.72 76.398 3548 TRAVELERS GRP 614 593 19.95 24.27 6.43 82.829 212 ZURICH INS GRP 432 406 73.87 76.92 4.52 87.3510 8 ALLSTATE INS GRP 401 379 24.79 24.79 4.21 91.55

**STATE TOTAL** 9,543 9,252 0.85 2.26 100.00 100.00. .

Wyoming 1 176 STATE FARM GRP 308 305 0.50 0.50 17.01 17.012 212 ZURICH INS GRP 277 270 25.78 26.13 15.32 32.333 670 FIDELITY NATL FIN GRP 252 250 0.29 0.29 13.94 46.274 91 HARTFORD FIRE & CAS GRP 195 296 7.45 8.07 10.78 57.055 8 ALLSTATE INS GRP 158 150 3.34 3.34 8.75 65.806 19 ASSURANT INC GRP 125 129 4.17 4.17 6.93 72.737 3548 TRAVELERS GRP 104 90 0.00 0.00 5.74 78.478 140 NATIONWIDE CORP GRP 82 84 6.76 6.75 4.54 83.019 12 AMERICAN INTL GRP 75 114 -6.98 -7.65 4.16 87.1710 200 UNITED SERV AUTOMOBILE ASSN GRP 71 72 0.00 0.00 3.94 91.11

**STATE TOTAL** 1,810 1,924 5.28 5.40 100.00 100.00. .

Guam **STATE TOTAL** 14 14 0.00 0.00 100.00 100.00. .

Puerto Rico 1 411 MAPFRE INS GRP 15,756 15,191 15.01 16.36 67.47 67.472 3593 USIC GRP 3,374 3,528 4.40 4.75 14.45 81.923 71 UNIVERSAL INS CO GRP 3,083 2,943 17.49 19.91 13.20 95.124 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 666 658 -4.73 -4.85 2.85 97.975 40568 TRIPLE S PROPIEDAD INC 252 244 67.35 67.35 1.08 99.056 19 ASSURANT INC GRP 164 182 18.78 18.78 0.70 99.767 3548 TRAVELERS GRP 30 31 0.00 0.00 0.13 99.88

**STATE TOTAL** 23,353 22,806 13.67 14.93 100.00 100.00. .

U.S. Virgin Islands 1 19 ASSURANT INC GRP 903 888 -15.25 -15.25 62.48 62.482 3548 TRAVELERS GRP 436 420 56.14 83.10 30.20 92.683 411 MAPFRE INS GRP 100 111 -4.50 -3.78 6.93 99.61

**STATE TOTAL** 1,445 1,438 6.65 14.59 100.00 100.00. .

Canada **STATE TOTAL** 80 80 0.00 0.00 100.00 100.00. .

Aggregate Other Alien **STATE TOTAL** 0 46 1.40 1.34 N/A 100.00. .




03— Farmowners Multiple Peril



States, U.S. Territories, Canada, and Aggregate Other Alien03-Farmowners Multiple Peril



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 140 NATIONWIDE CORP GRP 236,603 233,365 48.54 50.37 8.38 8.382 513 IOWA FARM BUREAU GRP 188,582 180,632 78.59 79.18 6.68 15.063 176 STATE FARM GRP 182,933 181,005 63.41 65.48 6.48 21.544 3548 TRAVELERS GRP 142,925 136,667 61.03 60.05 5.06 26.605 50 COUNTRY INS & FIN SERV GRP 106,891 105,126 80.61 81.68 3.79 30.396 473 AMERICAN FAMILY INS GRP 97,494 96,996 68.06 69.88 3.45 33.847 694 TENNESSEE FARMERS GRP 90,598 88,821 86.13 86.72 3.21 37.058 796 QBE INS GRP 89,102 65,412 59.53 61.79 3.16 40.219 109 KENTUCKY FARM BUREAU GRP 85,599 83,147 129.60 130.83 3.03 43.2410 542 INDIANA FARM BUREAU GRP 80,067 77,718 75.09 75.91 2.84 46.0711 111 LIBERTY MUT GRP 75,365 73,916 66.31 68.29 2.67 48.7412 561 GEORGIA FARM BUREAU GRP 67,173 66,518 106.80 107.86 2.38 51.1213 67 MICHIGAN FARM BUREAU GRP 58,583 57,532 59.57 61.36 2.07 53.2014 220 OKLAHOMA FARM BUREAU GRP 54,583 53,990 105.98 108.02 1.93 55.1315 13889 FARMERS MUT INS CO OF NE 54,326 52,839 74.66 75.96 1.92 57.0516 228 WESTFIELD GRP 46,819 46,761 56.93 57.37 1.66 58.7117 19 ASSURANT INC GRP 45,482 47,819 61.70 64.64 1.61 60.3218 809 TEXAS FARM BUREAU MUT GRP 45,426 41,628 78.98 80.55 1.61 61.9319 5 ALFA INS GRP 43,188 44,075 97.74 98.49 1.53 63.4620 280 AUTO OWNERS GRP 41,193 40,266 65.90 66.90 1.46 64.9221 214 ALLIANCE INS GRP 40,082 39,184 65.54 66.74 1.42 66.3422 14176 HASTINGS MUT INS CO 38,970 37,731 55.95 57.54 1.38 67.7223 15091 RURAL MUT INS CO 38,770 37,560 64.21 66.59 1.37 69.0924 761 ALLIANZ INS GRP 38,140 36,523 48.45 49.51 1.35 70.4425 84 AMERICAN FINANCIAL GRP 34,159 33,040 23.24 26.70 1.21 71.6526 203 VIRGINIA FARM BUREAU GRP 33,946 33,159 43.56 44.62 1.20 72.8627 626 ACE LTD GRP 32,057 28,257 74.03 87.68 1.14 73.9928 175 STATE AUTO MUT GRP 30,937 29,909 48.84 49.66 1.10 75.0929 123 SHELTER INS GRP 30,015 29,244 99.38 98.86 1.06 76.1530 514 MISSOURI FARM BUREAU GRP 29,584 28,299 111.76 114.16 1.05 77.2031 324 NORTH CAROLINA FARM BUREAU GRP 24,680 24,399 43.30 44.46 0.87 78.0732 22624 INDIANA FARMERS MUT INS CO 24,084 23,286 64.28 65.52 0.85 78.9333 333 MUTUAL OF ENUMCLAW GRP 22,170 21,786 48.27 53.95 0.79 79.7134 1321 AMERICAN FARMERS & RANCHERS GRP 21,791 20,991 94.73 96.25 0.77 80.4835 4683 MOUNTAIN WEST FARM GRP 21,489 20,859 83.05 85.39 0.76 81.2436 96 SECURA INS GRP 19,876 19,339 33.11 32.66 0.70 81.9537 842 FARM BUREAU GRP 19,523 19,058 82.78 83.54 0.69 82.6438 267 GRANGE MUT CAS GRP 18,713 18,337 73.93 76.20 0.66 83.3039 3500 NODAK MUT GRP 17,329 16,403 65.16 66.50 0.61 83.9240 83 GRANGE INS GRP 17,048 16,406 65.20 67.64 0.60 84.5241 32670 FARMERS UNION MUT INS CO 16,485 15,953 57.13 57.30 0.58 85.1042 963 OHIO MUT GRP 15,882 15,834 47.85 46.69 0.56 85.6743 13501 BRETHREN MUT INS CO 15,400 15,153 43.51 42.90 0.55 86.2144 35 CELINA GRP 15,022 15,009 74.49 76.15 0.53 86.7445 698 NORTH STAR CO GRP 14,770 13,894 66.17 66.57 0.52 87.2746 46 BUCKEYE INS GRP 13,941 13,278 94.38 95.11 0.49 87.7647 17043 EVERETT CASH MUT INS CO 13,447 12,783 61.72 62.66 0.48 88.2448 802 CAPITAL INS GRP 13,381 13,359 48.97 53.07 0.47 88.7149 207 WESTERN RESERVE 13,130 12,824 65.71 65.53 0.47 89.1850 205 DE SMET INS GRP 12,681 12,630 69.50 71.80 0.45 89.6351 16330 RAM MUT INS CO 12,187 12,156 35.64 38.10 0.43 90.0652 1129 WHITE MOUNTAINS GRP 11,185 37,274 67.57 74.85 0.40 90.4553 13641 COLORADO FARM BUREAU MUT INS CO 11,060 11,173 70.18 76.66 0.39 90.8454 14044 GOODVILLE MUT CAS CO 11,012 10,834 64.49 65.99 0.39 91.2355 10374 ERIE & NIAGRA INS ASSOC 10,618 10,564 59.70 63.54 0.38 91.6156 98 WR BERKLEY CORP GRP 10,262 10,461 63.65 66.15 0.36 91.9757 18309 PIONEER STATE MUT INS CO 10,053 10,292 32.63 33.17 0.36 92.3358 18686 CO OPERATIVE INS CO 9,987 10,020 32.81 33.44 0.35 92.6859 2538 AMTRUST FINANCIAL SERV GRP 9,775 6,744 103.46 105.44 0.35 93.0360 15881 BREMEN FARMERS MUT INS CO 8,335 8,290 104.45 111.34 0.30 93.3361 3489 DELEK GRP 8,241 9,990 36.47 31.68 0.29 93.6262 807 COLUMBIA INS GRP 7,876 7,812 77.57 78.97 0.28 93.9063 291 MOTORISTS MUT GRP 6,412 6,397 60.17 60.58 0.23 94.1264 11878 MUTUALAID EXCHANGE 6,190 6,220 59.90 60.27 0.22 94.3465 250 DONEGAL GRP 6,148 6,334 49.77 50.57 0.22 94.56




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 645 OREGON MUT GRP 5,932 5,393 95.31 97.59 0.21 94.7767 10831 MT MORRIS MUT INS CO 5,799 5,675 62.03 62.73 0.21 94.9868 474 FCCI MUT INS GRP 5,733 5,391 40.75 44.44 0.20 95.1869 532 CAMERON MUT GRP 5,670 5,485 79.46 80.06 0.20 95.3870 785 MARKEL CORP GRP 5,434 4,867 42.67 4.76 0.19 95.5771 9 JPMORGAN CHASE & CO GRP 5,415 6,285 28.60 37.40 0.19 95.7672 11036 MCMILLAN WARNER MUT INS CO 5,382 5,207 72.84 74.21 0.19 95.9573 13994 FREMONT INS CO 5,208 5,094 62.12 62.62 0.18 96.1474 17884 GERMAN MUT INS CO 4,702 4,590 53.82 54.80 0.17 96.3175 16683 NORTH CAROLINA GRANGE MUT INS CO 4,579 3,150 80.83 81.79 0.16 96.4776 15296 UPLAND MUT INS INC 4,574 4,539 91.46 95.41 0.16 96.6377 11028 SPRING VALLEY MUT INS CO 4,293 4,440 71.03 75.44 0.15 96.7878 14451 MARYSVILLE MUT INS CO 4,288 4,191 109.84 114.35 0.15 96.9379 17299 MENNONITE MUT INS CO 4,264 4,216 46.33 46.57 0.15 97.0980 28436 FARMERS UNION MUT INS CO 4,228 4,361 37.02 36.98 0.15 97.2381 1319 LITITZ MUT GRP 3,065 3,102 58.73 60.95 0.11 97.3482 34606 CENTER MUT INS CO 3,008 3,033 69.42 71.72 0.11 97.4583 17450 MILLVILLE MUT INS CO 2,953 2,919 52.03 53.85 0.10 97.5584 3407 TUSCARORA GRP 2,826 2,777 41.02 41.16 0.10 97.6585 4678 WAYNE & WASHINGTON MUT GRP 2,575 2,469 92.26 93.68 0.09 97.7586 27022 WISCONSIN MUT INS CO 2,523 2,523 34.05 34.37 0.09 97.8487 14885 NORTHWEST GF MUT INS CO 2,519 2,471 61.74 63.45 0.09 97.9288 44377 HALIFAX MUT INS CO 2,517 2,397 21.84 21.84 0.09 98.0189 2878 UNITED HERITAGE MUT GRP 2,442 2,375 82.05 86.74 0.09 98.1090 15997 MMG INS CO 2,442 2,476 31.89 35.48 0.09 98.1991 31780 MAPLE VALLEY MUT INS CO 2,400 2,396 30.48 32.24 0.09 98.2792 4339 FARMERS & MECHANICS MUT GRP 2,377 2,286 82.13 85.19 0.08 98.3693 899 ROCKINGHAM GRP 2,361 2,337 46.98 47.09 0.08 98.4494 43290 WAYNE COOP INS CO 1,822 1,795 64.45 66.06 0.06 98.5095 27065 ROCKFORD MUT INS CO 1,640 1,617 82.83 83.27 0.06 98.5696 14036 GERMANTOWN MUT INS CO 1,606 1,631 19.07 16.61 0.06 98.6297 14362 KANSAS MUT INS CO 1,596 1,641 79.03 82.16 0.06 98.6898 10689 MANITOWOC MUT INS CO 1,574 1,591 21.86 23.81 0.06 98.7399 42757 AGRI GEN INS CO 1,488 1,226 51.79 53.32 0.05 98.78100 16373 BATTLE CREEK MUT INS CO 1,467 1,492 46.04 47.85 0.05 98.84101 17094 FARMERS MUT FIRE INS CO OF MARBLE 1,438 1,452 37.68 37.68 0.05 98.89102 17728 REAMSTOWN MUT INS CO 1,422 1,370 76.92 77.97 0.05 98.94103 43826 CENTRAL CO OPERATIVE INS CO 1,371 1,375 33.54 33.74 0.05 98.99104 43869 NORTH COUNTRY INS CO 1,367 1,408 59.20 63.03 0.05 99.03105 26166 WINDSOR MOUNT JOY MUT INS CO 1,210 1,278 55.90 56.30 0.04 99.08106 27766 MISSOURI VALLEY MUT INS CO 1,181 1,178 60.08 60.21 0.04 99.12107 26835 MIDROX INS CO 1,075 1,078 40.21 43.05 0.04 99.16108 17329 JUNIATA MUT INS CO 1,028 1,023 25.28 25.28 0.04 99.19109 10719 FARMINGTON MUT INS CO 1,021 1,043 124.02 128.42 0.04 99.23110 10924 LITTLE BLACK MUT INS CO 979 931 -9.02 -9.02 0.03 99.26111 4666 HISCOX INS GRP 952 2,499 194.01 239.27 0.03 99.30112 14656 MUNICIPAL MUT INS CO 932 940 56.72 57.20 0.03 99.33113 30970 ALLEGANY CO-OP INS CO 918 916 80.53 80.53 0.03 99.36114 16888 BEDFORD GRANGE MUT INS CO 907 907 85.44 85.44 0.03 99.40115 10989 ELLINGTON MUT INS CO 816 819 86.20 94.06 0.03 99.42116 43877 FIRST MUT INS CO 737 792 25.28 25.28 0.03 99.45117 16918 BRIAR CREEK MUT INS CO 724 726 33.57 33.57 0.03 99.48118 13190 ALAMANCE FARMERS MUT INS CO 659 631 14.67 14.78 0.02 99.50119 10720 CAROLINA FARMERS MUT INS CO 645 625 48.44 48.44 0.02 99.52120 26735 MOUNT CARROLL MUT FIRE INS CO 620 479 0.00 0.00 0.02 99.54121 195 UNION MUTUAL FIRE INS GRP 593 575 56.11 56.49 0.02 99.57122 28681 UNION MUT INS CO 584 613 43.88 45.10 0.02 99.59123 17108 FARMERS MUT FIRE INS CO OF MCCANDLES 582 578 38.50 39.62 0.02 99.61124 10372 CHAUTAUQUA PATRONS INS ASSOC 581 591 31.25 34.10 0.02 99.63125 22870 ONTARIO INS CO 552 554 35.28 36.21 0.02 99.65

**INDUSTRY TOTAL** 2,823,344 2,765,129 69.06 70.62 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 5 ALFA INS GRP 43,188 44,075 97.75 98.50 82.61 82.612 50 COUNTRY INS & FIN SERV GRP 3,286 3,357 97.03 97.07 6.29 88.893 19 ASSURANT INC GRP 2,040 2,268 22.09 24.34 3.90 92.804 3548 TRAVELERS GRP 1,943 1,619 43.43 43.03 3.72 96.515 626 ACE LTD GRP 969 838 -119.36 -104.72 1.85 98.376 111 LIBERTY MUT GRP 623 594 39.78 38.71 1.19 99.567 474 FCCI MUT INS GRP 69 46 29.39 29.45 0.13 99.698 98 WR BERKLEY CORP GRP 66 56 76.84 76.62 0.13 99.81

**STATE TOTAL** 52,281 52,959 89.28 90.58 100.00 100.00. .

Alaska 1 50 COUNTRY INS & FIN SERV GRP 455 457 70.19 72.89 99.34 99.34**STATE TOTAL** 458 463 69.43 71.42 100.00 100.00

. .Arizona 1 513 IOWA FARM BUREAU GRP 5,338 5,246 57.43 61.01 40.90 40.90

2 3548 TRAVELERS GRP 2,645 2,627 36.03 31.46 20.26 61.163 111 LIBERTY MUT GRP 1,328 1,308 67.95 69.98 10.17 71.334 796 QBE INS GRP 1,280 870 90.02 109.01 9.81 81.145 761 ALLIANZ INS GRP 707 755 71.56 71.84 5.42 86.566 626 ACE LTD GRP 471 420 66.10 77.95 3.61 90.177 473 AMERICAN FAMILY INS GRP 408 416 68.16 85.84 3.12 93.298 140 NATIONWIDE CORP GRP 391 401 46.67 52.07 2.99 96.289 19 ASSURANT INC GRP 278 304 -4.02 6.04 2.13 98.4210 84 AMERICAN FINANCIAL GRP 94 95 8.75 12.52 0.72 99.13

**STATE TOTAL** 13,051 12,906 59.07 63.52 100.00 100.00. .

Arkansas 1 123 SHELTER INS GRP 3,333 3,237 89.07 90.19 23.13 23.132 3548 TRAVELERS GRP 2,104 2,027 54.09 51.96 14.60 37.733 807 COLUMBIA INS GRP 1,907 1,922 75.16 75.92 13.23 50.974 176 STATE FARM GRP 1,807 1,841 59.26 53.49 12.54 63.505 532 CAMERON MUT GRP 1,190 1,266 127.92 128.99 8.26 71.766 19 ASSURANT INC GRP 1,172 1,261 77.35 79.85 8.13 79.897 2538 AMTRUST FINANCIAL SERV GRP 947 535 250.64 252.51 6.58 86.478 1129 WHITE MOUNTAINS GRP 529 837 22.62 23.26 3.67 90.149 3489 DELEK GRP 484 835 175.07 174.53 3.36 93.5010 626 ACE LTD GRP 332 215 43.66 54.11 2.31 95.81

**STATE TOTAL** 14,409 14,415 84.93 84.71 100.00 100.00. .

California 1 140 NATIONWIDE CORP GRP 97,765 98,146 20.96 25.06 45.55 45.552 3548 TRAVELERS GRP 28,868 27,478 38.64 38.01 13.45 59.003 796 QBE INS GRP 24,483 15,330 45.08 47.31 11.41 70.414 802 CAPITAL INS GRP 12,805 12,811 47.81 52.05 5.97 76.375 176 STATE FARM GRP 12,046 12,049 -7.10 -4.44 5.61 81.986 761 ALLIANZ INS GRP 9,693 9,210 34.60 36.29 4.52 86.507 9 JPMORGAN CHASE & CO GRP 5,415 6,285 28.60 37.40 2.52 89.028 111 LIBERTY MUT GRP 5,060 4,832 52.53 54.83 2.36 91.389 83 GRANGE INS GRP 4,680 4,496 36.48 38.66 2.18 93.5610 19 ASSURANT INC GRP 4,269 4,471 6.78 12.73 1.99 95.55

**STATE TOTAL** 214,634 213,149 26.37 30.20 100.00 100.00. .

Colorado 1 13641 COLORADO FARM BUREAU MUT INS CO 11,060 11,173 70.18 76.66 18.69 18.692 796 QBE INS GRP 7,543 7,403 74.10 77.27 12.75 31.443 3548 TRAVELERS GRP 7,064 6,853 51.31 52.74 11.94 43.374 111 LIBERTY MUT GRP 6,376 6,299 49.15 50.07 10.77 54.155 473 AMERICAN FAMILY INS GRP 4,710 4,606 103.41 105.10 7.96 62.116 214 ALLIANCE INS GRP 4,313 4,257 52.97 54.40 7.29 69.407 176 STATE FARM GRP 4,076 4,294 46.16 53.26 6.89 76.288 83 GRANGE INS GRP 3,356 3,137 101.65 105.93 5.67 81.969 140 NATIONWIDE CORP GRP 2,783 2,599 45.23 46.21 4.70 86.6610 761 ALLIANZ INS GRP 2,739 2,623 23.87 24.18 4.63 91.29

**STATE TOTAL** 59,177 58,427 67.25 71.01 100.00 100.00. .

Connecticut 1 175 STATE AUTO MUT GRP 2,566 2,514 11.34 11.86 67.62 67.622 19 ASSURANT INC GRP 303 302 45.34 58.30 7.98 75.603 140 NATIONWIDE CORP GRP 245 138 27.85 28.13 6.46 82.064 3548 TRAVELERS GRP 220 238 31.07 27.30 5.78 87.85




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 84 AMERICAN FINANCIAL GRP 169 220 -7.06 -3.98 4.46 92.306 542 INDIANA FARM BUREAU GRP 121 122 188.45 192.26 3.19 95.497 785 MARKEL CORP GRP 97 96 14.28 -37.09 2.54 98.048 626 ACE LTD GRP 41 33 10.74 21.87 1.07 99.119 98 WR BERKLEY CORP GRP 19 21 53.98 56.59 0.49 99.60

**STATE TOTAL** 3,795 3,694 23.21 25.37 100.00 100.00. .

Delaware 1 228 WESTFIELD GRP 1,095 1,111 48.83 49.01 41.44 41.442 140 NATIONWIDE CORP GRP 657 572 35.80 36.02 24.84 66.283 250 DONEGAL GRP 450 444 27.35 27.51 17.04 83.334 14044 GOODVILLE MUT CAS CO 253 250 36.10 36.91 9.57 92.905 26166 WINDSOR MOUNT JOY MUT INS CO 109 116 24.18 24.18 4.12 97.026 626 ACE LTD GRP 37 36 43.85 52.23 1.39 98.417 785 MARKEL CORP GRP 12 12 8.84 -59.71 0.47 98.878 3548 TRAVELERS GRP 11 12 29.00 22.00 0.42 99.309 19 ASSURANT INC GRP 9 10 4.71 4.71 0.33 99.6310 84 AMERICAN FINANCIAL GRP 6 6 -11.19 -24.10 0.21 99.84

**STATE TOTAL** 2,642 2,572 38.98 38.95 100.00 100.00. .

District of Columbia **STATE TOTAL** 0 0 -153.85 -457.69 100.00 100.00. .

Florida 1 84 AMERICAN FINANCIAL GRP 9,836 8,897 17.32 21.95 38.15 38.152 3548 TRAVELERS GRP 5,286 5,136 36.97 36.37 20.50 58.653 474 FCCI MUT INS GRP 3,714 3,543 39.09 43.39 14.41 73.054 626 ACE LTD GRP 2,720 2,991 88.22 101.79 10.55 83.615 50 COUNTRY INS & FIN SERV GRP 1,123 1,059 55.82 59.74 4.36 87.966 19 ASSURANT INC GRP 974 949 24.86 24.88 3.78 91.747 140 NATIONWIDE CORP GRP 924 986 -12.90 -10.95 3.58 95.328 4666 HISCOX INS GRP 576 1,837 217.37 277.03 2.23 97.569 98 WR BERKLEY CORP GRP 222 226 45.31 54.50 0.86 98.4210 785 MARKEL CORP GRP 222 226 12.07 -38.62 0.86 99.28

**STATE TOTAL** 25,783 26,012 45.15 52.87 100.00 100.00. .

Georgia 1 561 GEORGIA FARM BUREAU GRP 67,173 66,518 106.80 107.86 75.24 75.242 50 COUNTRY INS & FIN SERV GRP 4,695 4,499 85.50 85.26 5.26 80.503 3548 TRAVELERS GRP 4,228 4,186 77.97 77.48 4.74 85.234 267 GRANGE MUT CAS GRP 3,150 3,073 59.38 60.95 3.53 88.765 19 ASSURANT INC GRP 2,300 2,292 70.77 73.41 2.58 91.346 626 ACE LTD GRP 1,446 1,124 121.74 133.27 1.62 92.957 140 NATIONWIDE CORP GRP 1,222 1,080 42.14 43.67 1.37 94.328 176 STATE FARM GRP 1,178 1,144 97.01 97.29 1.32 95.649 84 AMERICAN FINANCIAL GRP 1,108 1,116 47.28 45.47 1.24 96.8810 228 WESTFIELD GRP 796 693 123.60 124.20 0.89 97.77

**STATE TOTAL** 89,283 87,592 99.08 100.13 100.00 100.00. .

Hawaii 1 140 NATIONWIDE CORP GRP 583 593 53.66 69.66 91.93 91.932 626 ACE LTD GRP 37 33 25.96 37.30 5.92 97.85

**STATE TOTAL** 634 640 51.58 67.01 100.00 100.00. .

Idaho 1 842 FARM BUREAU GRP 19,523 19,058 82.78 83.54 43.85 43.852 333 MUTUAL OF ENUMCLAW GRP 4,081 4,001 25.60 25.97 9.17 53.023 111 LIBERTY MUT GRP 4,042 4,029 57.08 59.52 9.08 62.104 3548 TRAVELERS GRP 3,667 3,502 76.72 74.90 8.24 70.335 796 QBE INS GRP 2,561 2,855 52.44 51.57 5.75 76.096 645 OREGON MUT GRP 1,733 1,632 73.03 75.64 3.89 79.987 140 NATIONWIDE CORP GRP 1,583 1,822 36.74 30.42 3.56 83.538 2878 UNITED HERITAGE MUT GRP 1,548 1,517 95.95 101.94 3.48 87.019 214 ALLIANCE INS GRP 1,524 1,527 50.67 51.59 3.42 90.4310 176 STATE FARM GRP 1,379 1,355 70.95 75.85 3.10 93.53

**STATE TOTAL** 44,519 44,257 66.97 67.68 100.00 100.00. .

Illinois 1 50 COUNTRY INS & FIN SERV GRP 73,941 72,687 84.87 85.61 64.56 64.562 176 STATE FARM GRP 7,115 7,027 69.09 67.91 6.21 70.773 280 AUTO OWNERS GRP 7,042 6,769 101.49 103.20 6.15 76.924 111 LIBERTY MUT GRP 4,558 4,453 71.24 71.70 3.98 80.90




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 140 NATIONWIDE CORP GRP 3,204 3,144 60.24 60.54 2.80 83.706 228 WESTFIELD GRP 3,050 3,066 47.53 47.70 2.66 86.367 14176 HASTINGS MUT INS CO 2,191 2,077 84.71 88.35 1.91 88.278 3548 TRAVELERS GRP 2,070 1,924 94.79 94.08 1.81 90.089 473 AMERICAN FAMILY INS GRP 1,983 1,970 69.48 74.64 1.73 91.8110 626 ACE LTD GRP 1,980 1,856 107.68 122.02 1.73 93.54

**STATE TOTAL** 114,531 112,064 81.86 82.98 100.00 100.00. .

Indiana 1 542 INDIANA FARM BUREAU GRP 65,010 62,619 79.17 79.71 47.48 47.482 22624 INDIANA FARMERS MUT INS CO 24,084 23,286 64.28 65.52 17.59 65.073 175 STATE AUTO MUT GRP 6,250 6,159 48.57 49.35 4.57 69.644 111 LIBERTY MUT GRP 5,928 5,843 43.18 45.67 4.33 73.975 207 WESTERN RESERVE 5,664 5,459 85.17 85.02 4.14 78.116 176 STATE FARM GRP 4,762 4,764 47.40 49.62 3.48 81.597 14176 HASTINGS MUT INS CO 4,734 4,454 49.47 49.79 3.46 85.048 280 AUTO OWNERS GRP 3,954 3,972 53.09 53.86 2.89 87.939 228 WESTFIELD GRP 3,159 3,130 56.82 57.17 2.31 90.2410 473 AMERICAN FAMILY INS GRP 2,241 2,316 64.29 65.75 1.64 91.88

**STATE TOTAL** 136,910 132,717 68.92 69.78 100.00 100.00. .

Iowa 1 513 IOWA FARM BUREAU GRP 51,990 50,184 82.59 82.80 45.08 45.082 140 NATIONWIDE CORP GRP 21,384 21,054 99.35 99.03 18.54 63.623 176 STATE FARM GRP 13,645 13,449 93.90 94.20 11.83 75.454 473 AMERICAN FAMILY INS GRP 4,755 4,789 64.62 69.37 4.12 79.575 280 AUTO OWNERS GRP 4,195 4,057 73.96 75.03 3.64 83.216 84 AMERICAN FINANCIAL GRP 2,485 2,426 9.22 9.19 2.15 85.377 35 CELINA GRP 2,070 2,092 112.16 114.09 1.79 87.168 46 BUCKEYE INS GRP 2,026 1,766 143.26 143.66 1.76 88.929 228 WESTFIELD GRP 2,005 1,972 76.60 77.14 1.74 90.6610 96 SECURA INS GRP 1,691 1,715 33.16 32.96 1.47 92.12

**STATE TOTAL** 115,331 112,350 82.97 83.53 100.00 100.00. .

Kansas 1 513 IOWA FARM BUREAU GRP 61,794 57,635 100.62 101.30 44.41 44.412 214 ALLIANCE INS GRP 12,808 12,454 85.82 86.83 9.20 53.613 140 NATIONWIDE CORP GRP 9,682 9,121 111.80 111.43 6.96 60.574 176 STATE FARM GRP 8,909 8,743 86.09 86.74 6.40 66.975 15881 BREMEN FARMERS MUT INS CO 8,335 8,290 104.45 111.34 5.99 72.966 473 AMERICAN FAMILY INS GRP 6,544 6,966 76.13 76.80 4.70 77.677 15296 UPLAND MUT INS INC 4,574 4,539 91.46 95.41 3.29 80.958 14451 MARYSVILLE MUT INS CO 4,288 4,191 109.84 114.35 3.08 84.039 796 QBE INS GRP 4,089 3,870 103.70 105.12 2.94 86.9710 3548 TRAVELERS GRP 3,300 2,959 87.61 87.04 2.37 89.34

**STATE TOTAL** 139,152 133,547 97.15 98.46 100.00 100.00. .

Kentucky 1 109 KENTUCKY FARM BUREAU GRP 85,599 83,147 129.60 130.83 73.67 73.672 542 INDIANA FARM BUREAU GRP 3,998 3,894 88.99 91.14 3.44 77.113 111 LIBERTY MUT GRP 3,093 2,840 129.96 134.07 2.66 79.784 267 GRANGE MUT CAS GRP 2,925 2,811 99.91 102.70 2.52 82.295 123 SHELTER INS GRP 2,525 2,470 99.63 95.68 2.17 84.476 228 WESTFIELD GRP 2,452 2,507 100.58 100.82 2.11 86.587 176 STATE FARM GRP 2,425 2,459 77.64 77.98 2.09 88.668 3548 TRAVELERS GRP 2,421 2,345 51.10 50.16 2.08 90.759 175 STATE AUTO MUT GRP 2,357 2,435 131.65 133.36 2.03 92.7810 19 ASSURANT INC GRP 1,946 1,989 90.02 92.43 1.67 94.45

**STATE TOTAL** 116,186 113,711 118.88 120.14 100.00 100.00. .

Louisiana 1 176 STATE FARM GRP 5,335 5,263 37.45 42.64 50.98 50.982 3548 TRAVELERS GRP 1,949 1,903 38.42 35.89 18.62 69.603 123 SHELTER INS GRP 1,460 1,446 10.65 3.33 13.95 83.554 3489 DELEK GRP 686 439 49.61 50.10 6.55 90.105 19 ASSURANT INC GRP 608 563 21.11 23.54 5.81 95.916 84 AMERICAN FINANCIAL GRP 181 178 -2.90 -6.02 1.73 97.637 626 ACE LTD GRP 120 106 742.34 790.62 1.14 98.778 785 MARKEL CORP GRP 94 90 10.21 -31.95 0.90 99.67

**STATE TOTAL** 10,466 10,022 39.86 41.29 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Maine 1 542 INDIANA FARM BUREAU GRP 1,340 1,340 22.91 24.32 46.87 46.87

2 15997 MMG INS CO 1,158 1,178 15.55 16.18 40.49 87.363 626 ACE LTD GRP 119 104 31.21 39.57 4.17 91.534 19 ASSURANT INC GRP 85 122 44.86 48.08 2.99 94.525 140 NATIONWIDE CORP GRP 45 22 493.21 493.53 1.57 96.096 3548 TRAVELERS GRP 34 40 29.08 25.63 1.20 97.297 98 WR BERKLEY CORP GRP 34 9 18.00 18.81 1.18 98.478 84 AMERICAN FINANCIAL GRP 20 20 -2.97 -2.11 0.69 99.169 785 MARKEL CORP GRP 19 19 278.11 251.79 0.67 99.83

**STATE TOTAL** 2,859 2,859 26.48 27.63 100.00 100.00. .

Maryland 1 13501 BRETHREN MUT INS CO 11,290 11,100 39.54 38.71 53.49 53.492 140 NATIONWIDE CORP GRP 6,056 5,971 36.00 36.58 28.69 82.183 84 AMERICAN FINANCIAL GRP 610 603 0.13 -2.61 2.89 85.064 26166 WINDSOR MOUNT JOY MUT INS CO 580 636 78.83 81.40 2.75 87.815 3548 TRAVELERS GRP 559 527 17.77 15.20 2.65 90.466 626 ACE LTD GRP 481 501 48.17 60.94 2.28 92.747 250 DONEGAL GRP 413 411 19.79 20.16 1.96 94.708 19 ASSURANT INC GRP 294 310 11.92 11.92 1.39 96.099 14044 GOODVILLE MUT CAS CO 175 173 23.02 30.17 0.83 96.9210 17043 EVERETT CASH MUT INS CO 163 166 54.13 55.75 0.77 97.69

**STATE TOTAL** 21,108 20,877 37.06 36.82 100.00 100.00. .

Massachusetts 1 175 STATE AUTO MUT GRP 1,248 1,277 29.45 29.51 56.12 56.122 19 ASSURANT INC GRP 402 393 158.32 158.32 18.08 74.203 84 AMERICAN FINANCIAL GRP 208 201 -2.06 -3.34 9.37 83.574 3548 TRAVELERS GRP 202 232 41.04 38.47 9.09 92.665 626 ACE LTD GRP 92 84 24.74 32.90 4.15 96.816 542 INDIANA FARM BUREAU GRP 32 34 1.04 16.13 1.45 98.267 785 MARKEL CORP GRP 19 25 18.12 -18.27 0.84 99.098 98 WR BERKLEY CORP GRP 12 7 152.27 168.53 0.55 99.64

**STATE TOTAL** 2,224 2,259 49.83 49.65 100.00 100.00. .

Michigan 1 67 MICHIGAN FARM BUREAU GRP 58,583 57,532 59.57 61.36 53.03 53.032 14176 HASTINGS MUT INS CO 15,172 15,068 46.31 48.00 13.73 66.763 280 AUTO OWNERS GRP 10,818 10,931 54.38 54.30 9.79 76.564 18309 PIONEER STATE MUT INS CO 10,053 10,292 32.63 33.17 9.10 85.665 13994 FREMONT INS CO 5,208 5,094 62.12 62.62 4.71 90.376 96 SECURA INS GRP 5,191 4,774 51.47 51.14 4.70 95.077 176 STATE FARM GRP 1,640 1,645 45.00 48.82 1.48 96.568 228 WESTFIELD GRP 972 924 17.79 18.34 0.88 97.449 140 NATIONWIDE CORP GRP 847 853 67.55 69.14 0.77 98.2010 3548 TRAVELERS GRP 593 485 46.56 45.84 0.54 98.74

**STATE TOTAL** 110,471 108,987 54.15 55.48 100.00 100.00. .

Minnesota 1 513 IOWA FARM BUREAU GRP 22,050 21,204 57.70 58.01 23.40 23.402 176 STATE FARM GRP 13,101 12,629 59.07 60.26 13.91 37.313 16330 RAM MUT INS CO 12,187 12,156 35.64 38.10 12.94 50.254 473 AMERICAN FAMILY INS GRP 11,303 11,225 43.81 45.05 12.00 62.245 796 QBE INS GRP 6,765 6,574 67.37 68.89 7.18 69.426 140 NATIONWIDE CORP GRP 5,399 5,265 91.18 90.61 5.73 75.167 11028 SPRING VALLEY MUT INS CO 4,293 4,440 71.03 75.44 4.56 79.718 280 AUTO OWNERS GRP 4,193 4,061 41.49 42.65 4.45 84.169 175 STATE AUTO MUT GRP 4,007 3,798 21.13 21.72 4.25 88.4210 96 SECURA INS GRP 3,114 2,991 24.65 24.46 3.31 91.72

**STATE TOTAL** 94,212 91,937 50.98 52.21 100.00 100.00. .

Mississippi 1 3548 TRAVELERS GRP 3,357 3,152 48.34 44.62 20.90 20.902 176 STATE FARM GRP 3,354 3,329 36.05 32.91 20.88 41.783 19 ASSURANT INC GRP 1,644 1,917 57.43 59.73 10.23 52.014 3489 DELEK GRP 1,445 1,162 66.58 66.89 9.00 61.015 626 ACE LTD GRP 1,017 704 143.87 150.31 6.33 67.346 474 FCCI MUT INS GRP 842 866 22.09 25.10 5.24 72.587 796 QBE INS GRP 783 204 51.17 55.30 4.88 77.45




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


8 111 LIBERTY MUT GRP 772 906 62.48 59.22 4.81 82.269 1129 WHITE MOUNTAINS GRP 733 1,318 32.77 37.43 4.56 86.8210 98 WR BERKLEY CORP GRP 722 709 10.11 9.67 4.50 91.32

**STATE TOTAL** 16,065 15,591 47.58 47.19 100.00 100.00. .

Missouri 1 514 MISSOURI FARM BUREAU GRP 29,584 28,299 111.76 114.16 26.03 26.032 473 AMERICAN FAMILY INS GRP 26,475 26,928 78.71 80.67 23.29 49.323 123 SHELTER INS GRP 16,227 15,839 105.03 105.02 14.28 63.604 176 STATE FARM GRP 15,268 14,707 96.28 97.22 13.43 77.035 140 NATIONWIDE CORP GRP 5,669 5,461 54.24 53.39 4.99 82.026 532 CAMERON MUT GRP 4,307 4,107 66.22 66.70 3.79 85.807 807 COLUMBIA INS GRP 2,887 2,901 72.69 73.79 2.54 88.348 796 QBE INS GRP 2,271 1,597 79.06 85.38 2.00 90.349 214 ALLIANCE INS GRP 2,035 1,971 62.63 67.40 1.79 92.1310 111 LIBERTY MUT GRP 1,913 1,856 106.01 105.98 1.68 93.82

**STATE TOTAL** 113,665 111,110 92.62 94.24 100.00 100.00. .

Montana 1 4683 MOUNTAIN WEST FARM GRP 9,193 8,892 72.19 75.87 19.21 19.212 3548 TRAVELERS GRP 8,194 7,841 75.03 73.91 17.12 36.333 214 ALLIANCE INS GRP 6,611 6,552 32.09 32.94 13.81 50.144 761 ALLIANZ INS GRP 4,596 4,441 49.35 49.82 9.60 59.755 28436 FARMERS UNION MUT INS CO 4,228 4,361 37.02 36.98 8.83 68.586 111 LIBERTY MUT GRP 3,834 3,829 42.44 41.55 8.01 76.597 176 STATE FARM GRP 3,231 3,148 50.10 50.30 6.75 83.348 2538 AMTRUST FINANCIAL SERV GRP 2,546 2,311 99.57 103.82 5.32 88.669 140 NATIONWIDE CORP GRP 2,190 2,183 92.16 93.03 4.58 93.2410 626 ACE LTD GRP 1,361 1,125 54.91 66.48 2.84 96.08

**STATE TOTAL** 47,857 46,656 58.53 59.69 100.00 100.00. .

Nebraska 1 13889 FARMERS MUT INS CO OF NE 46,990 45,598 72.61 74.08 37.27 37.272 513 IOWA FARM BUREAU GRP 25,054 24,588 60.45 61.71 19.87 57.143 176 STATE FARM GRP 15,501 15,456 62.23 66.49 12.29 69.434 140 NATIONWIDE CORP GRP 7,457 7,054 63.39 63.25 5.91 75.355 3548 TRAVELERS GRP 6,169 5,840 107.33 105.78 4.89 80.246 698 NORTH STAR CO GRP 3,680 3,465 86.72 87.56 2.92 83.167 473 AMERICAN FAMILY INS GRP 3,664 3,583 61.48 61.85 2.91 86.068 214 ALLIANCE INS GRP 2,568 2,484 77.55 78.53 2.04 88.109 98 WR BERKLEY CORP GRP 2,556 2,603 90.25 91.32 2.03 90.1310 796 QBE INS GRP 2,280 2,249 48.21 49.47 1.81 91.94

**STATE TOTAL** 126,087 122,419 69.96 71.51 100.00 100.00. .

Nevada 1 50 COUNTRY INS & FIN SERV GRP 3,095 3,099 59.45 59.50 45.75 45.752 3548 TRAVELERS GRP 1,408 1,417 65.32 63.61 20.82 66.563 140 NATIONWIDE CORP GRP 883 911 8.06 8.99 13.05 79.614 761 ALLIANZ INS GRP 486 489 14.09 15.25 7.19 86.805 19 ASSURANT INC GRP 236 226 18.29 19.65 3.49 90.296 802 CAPITAL INS GRP 216 194 28.27 26.52 3.19 93.487 645 OREGON MUT GRP 142 104 31.01 32.37 2.10 95.588 111 LIBERTY MUT GRP 94 54 8.26 15.13 1.38 96.979 626 ACE LTD GRP 63 71 5.78 18.26 0.93 97.8910 785 MARKEL CORP GRP 48 34 22.53 -17.33 0.72 98.61

**STATE TOTAL** 6,765 6,684 46.35 46.31 100.00 100.00. .

New Hampshire 1 18686 CO OPERATIVE INS CO 724 713 28.85 30.66 45.88 45.882 15997 MMG INS CO 449 455 12.89 14.09 28.45 74.333 3548 TRAVELERS GRP 108 100 6.07 3.67 6.82 81.164 84 AMERICAN FINANCIAL GRP 79 85 0.15 -0.34 5.02 86.185 542 INDIANA FARM BUREAU GRP 78 80 -5.24 -5.51 4.92 91.106 19 ASSURANT INC GRP 55 66 195.52 195.52 3.48 94.587 785 MARKEL CORP GRP 45 28 96.94 71.31 2.85 97.448 626 ACE LTD GRP 21 20 49.03 52.44 1.34 98.789 140 NATIONWIDE CORP GRP 15 8 63.25 63.54 0.95 99.73

**STATE TOTAL** 1,578 1,559 28.85 29.42 100.00 100.00. .

New Jersey 1 19 ASSURANT INC GRP 749 772 9.66 9.66 26.23 26.23




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 542 INDIANA FARM BUREAU GRP 575 564 28.73 30.21 20.12 46.353 84 AMERICAN FINANCIAL GRP 553 578 0.81 0.37 19.38 65.734 626 ACE LTD GRP 491 485 56.78 74.88 17.21 82.945 3548 TRAVELERS GRP 310 301 23.04 20.24 10.86 93.816 785 MARKEL CORP GRP 91 89 -0.65 -54.62 3.17 96.987 98 WR BERKLEY CORP GRP 66 64 135.46 171.95 2.31 99.28

**STATE TOTAL** 2,855 2,875 23.80 25.57 100.00 100.00. .

New Mexico 1 513 IOWA FARM BUREAU GRP 11,254 11,051 48.17 48.24 51.57 51.572 111 LIBERTY MUT GRP 2,941 2,902 30.30 35.61 13.48 65.053 3548 TRAVELERS GRP 1,975 1,718 74.21 77.84 9.05 74.104 796 QBE INS GRP 1,083 360 25.32 29.06 4.96 79.065 140 NATIONWIDE CORP GRP 986 855 19.99 18.65 4.52 83.586 626 ACE LTD GRP 854 744 24.52 31.50 3.91 87.497 1129 WHITE MOUNTAINS GRP 597 1,985 61.26 71.62 2.74 90.238 176 STATE FARM GRP 568 625 30.29 32.21 2.60 92.839 84 AMERICAN FINANCIAL GRP 534 292 33.09 35.47 2.45 95.2810 761 ALLIANZ INS GRP 534 533 15.15 15.36 2.45 97.73

**STATE TOTAL** 21,822 21,613 44.74 46.95 100.00 100.00. .

New York 1 10374 ERIE & NIAGRA INS ASSOC 10,618 10,564 59.70 63.54 31.29 31.292 542 INDIANA FARM BUREAU GRP 3,980 4,035 42.56 44.17 11.73 43.023 84 AMERICAN FINANCIAL GRP 2,462 2,667 26.47 29.73 7.25 50.274 43290 WAYNE COOP INS CO 1,822 1,795 64.45 66.06 5.37 55.645 43826 CENTRAL CO OPERATIVE INS CO 1,371 1,375 33.54 33.74 4.04 59.686 43869 NORTH COUNTRY INS CO 1,367 1,408 59.20 63.03 4.03 63.717 3548 TRAVELERS GRP 1,196 1,172 115.95 117.85 3.52 67.238 26835 MIDROX INS CO 1,075 1,078 40.21 43.05 3.17 70.409 30970 ALLEGANY CO-OP INS CO 918 916 80.53 80.53 2.70 73.1010 1129 WHITE MOUNTAINS GRP 905 1,398 43.54 45.96 2.67 75.77

**STATE TOTAL** 33,935 34,334 48.22 50.72 100.00 100.00. .

North Carolina 1 324 NORTH CAROLINA FARM BUREAU GRP 24,680 24,399 41.54 41.81 53.69 53.692 16683 NORTH CAROLINA GRANGE MUT INS CO 4,579 3,150 80.83 81.79 9.96 63.653 140 NATIONWIDE CORP GRP 3,757 3,746 41.58 42.18 8.17 71.834 44377 HALIFAX MUT INS CO 2,517 2,397 21.84 21.84 5.47 77.305 17043 EVERETT CASH MUT INS CO 1,910 1,584 59.54 60.78 4.16 81.466 626 ACE LTD GRP 1,759 1,716 65.31 73.92 3.83 85.297 19 ASSURANT INC GRP 1,267 1,413 45.25 45.86 2.76 88.048 3548 TRAVELERS GRP 1,081 1,067 61.61 61.03 2.35 90.399 1319 LITITZ MUT GRP 891 923 51.65 51.58 1.94 92.3310 43877 FIRST MUT INS CO 737 792 25.28 25.28 1.60 93.94

**STATE TOTAL** 45,964 43,830 44.80 45.32 100.00 100.00. .

North Dakota 1 3500 NODAK MUT GRP 17,277 16,381 65.24 66.58 26.73 26.732 32670 FARMERS UNION MUT INS CO 16,485 15,953 57.13 57.30 25.50 52.233 698 NORTH STAR CO GRP 5,368 5,103 50.61 50.88 8.30 60.534 473 AMERICAN FAMILY INS GRP 4,944 4,648 46.70 47.72 7.65 68.185 176 STATE FARM GRP 3,371 3,458 37.57 38.35 5.21 73.396 175 STATE AUTO MUT GRP 3,258 3,092 47.93 48.36 5.04 78.437 214 ALLIANCE INS GRP 2,872 2,760 62.94 63.91 4.44 82.888 34606 CENTER MUT INS CO 2,860 2,859 65.02 65.44 4.42 87.309 140 NATIONWIDE CORP GRP 2,380 2,243 45.65 45.04 3.68 90.9810 14885 NORTHWEST GF MUT INS CO 1,161 1,121 57.75 59.50 1.80 92.78

**STATE TOTAL** 64,644 62,043 57.70 58.39 100.00 100.00. .

Ohio 1 140 NATIONWIDE CORP GRP 23,147 22,658 65.50 66.17 20.67 20.672 963 OHIO MUT GRP 15,882 15,828 47.98 46.82 14.18 34.853 228 WESTFIELD GRP 10,082 10,153 72.35 72.56 9.00 43.854 267 GRANGE MUT CAS GRP 7,941 7,770 80.67 82.97 7.09 50.945 207 WESTERN RESERVE 7,466 7,366 51.29 51.09 6.67 57.606 14176 HASTINGS MUT INS CO 7,081 6,877 72.30 74.51 6.32 63.927 176 STATE FARM GRP 5,585 5,614 89.93 90.09 4.99 68.918 35 CELINA GRP 5,230 5,216 85.16 86.06 4.67 73.589 17884 GERMAN MUT INS CO 4,702 4,590 53.82 54.80 4.20 77.78




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 46 BUCKEYE INS GRP 4,315 4,220 55.97 56.85 3.85 81.63**STATE TOTAL** 112,009 110,378 65.86 66.47 100.00 100.00

. .Oklahoma 1 220 OKLAHOMA FARM BUREAU GRP 54,583 53,990 105.98 108.02 53.71 53.71

2 1321 AMERICAN FARMERS & RANCHERS GRP 21,302 20,483 95.94 97.40 20.96 74.673 176 STATE FARM GRP 5,448 5,248 91.57 98.37 5.36 80.034 214 ALLIANCE INS GRP 5,127 5,008 61.98 62.70 5.04 85.075 19 ASSURANT INC GRP 3,669 3,844 64.40 68.21 3.61 88.686 3548 TRAVELERS GRP 2,556 2,471 103.04 100.74 2.51 91.207 123 SHELTER INS GRP 1,640 1,553 153.30 155.27 1.61 92.818 2538 AMTRUST FINANCIAL SERV GRP 1,497 794 107.50 108.11 1.47 94.299 796 QBE INS GRP 1,029 239 66.38 71.70 1.01 95.3010 3489 DELEK GRP 967 1,478 101.47 101.08 0.95 96.25

**STATE TOTAL** 101,629 100,001 100.81 102.83 100.00 100.00. .

Oregon 1 50 COUNTRY INS & FIN SERV GRP 12,011 11,851 44.77 45.31 22.34 22.342 111 LIBERTY MUT GRP 8,471 8,301 64.58 68.22 15.76 38.093 333 MUTUAL OF ENUMCLAW GRP 7,360 7,430 11.96 13.91 13.69 51.784 3548 TRAVELERS GRP 5,930 5,527 78.63 77.73 11.03 62.815 176 STATE FARM GRP 3,980 3,924 40.99 57.42 7.40 70.216 796 QBE INS GRP 3,733 2,017 39.17 42.62 6.94 77.167 140 NATIONWIDE CORP GRP 2,848 2,913 30.53 28.48 5.30 82.458 645 OREGON MUT GRP 2,485 2,280 99.75 102.04 4.62 87.079 473 AMERICAN FAMILY INS GRP 2,138 2,060 71.59 73.76 3.98 91.0510 83 GRANGE INS GRP 1,693 1,663 45.49 48.17 3.15 94.20

**STATE TOTAL** 53,769 52,248 52.68 55.33 100.00 100.00. .

Pennsylvania 1 228 WESTFIELD GRP 19,034 19,163 41.99 42.53 23.12 23.122 140 NATIONWIDE CORP GRP 14,181 13,906 59.23 60.50 17.22 40.343 17043 EVERETT CASH MUT INS CO 9,335 9,175 61.75 62.12 11.34 51.684 14044 GOODVILLE MUT CAS CO 8,654 8,605 63.63 64.94 10.51 62.195 542 INDIANA FARM BUREAU GRP 4,113 4,199 57.99 60.45 4.99 67.186 13501 BRETHREN MUT INS CO 3,196 3,168 56.55 56.57 3.88 71.077 17450 MILLVILLE MUT INS CO 2,953 2,919 52.03 53.85 3.59 74.658 3407 TUSCARORA GRP 2,792 2,751 40.87 41.01 3.39 78.049 250 DONEGAL GRP 2,242 2,296 45.69 47.20 2.72 80.7710 1319 LITITZ MUT GRP 1,886 1,876 50.83 53.83 2.29 83.06

**STATE TOTAL** 82,334 81,882 52.44 52.84 100.00 100.00. .

Rhode Island 1 175 STATE AUTO MUT GRP 70 65 14.79 14.59 38.37 38.372 19 ASSURANT INC GRP 49 44 14.79 14.79 26.64 65.013 140 NATIONWIDE CORP GRP 35 25 7.08 7.32 19.10 84.104 3548 TRAVELERS GRP 26 19 16.21 9.80 14.30 98.40

**STATE TOTAL** 182 163 13.79 13.27 100.00 100.00. .

South Carolina 1 3548 TRAVELERS GRP 2,352 2,288 45.38 42.66 41.96 41.962 626 ACE LTD GRP 851 752 84.52 96.16 15.18 57.143 176 STATE FARM GRP 799 790 42.72 42.81 14.25 71.394 140 NATIONWIDE CORP GRP 753 603 48.67 50.30 13.42 84.815 84 AMERICAN FINANCIAL GRP 378 394 14.59 10.24 6.74 91.556 19 ASSURANT INC GRP 374 434 -16.22 -15.31 6.67 98.227 785 MARKEL CORP GRP 58 48 13.56 -23.55 1.03 99.25

**STATE TOTAL** 5,606 5,354 43.70 43.86 100.00 100.00. .

South Dakota 1 205 DE SMET INS GRP 12,681 12,630 69.50 71.80 18.05 18.052 513 IOWA FARM BUREAU GRP 7,437 7,194 57.24 56.38 10.58 28.633 13889 FARMERS MUT INS CO OF NE 7,336 7,241 87.58 87.86 10.44 39.074 473 AMERICAN FAMILY INS GRP 7,290 7,077 67.11 67.43 10.38 49.455 796 QBE INS GRP 6,865 6,687 68.61 69.99 9.77 59.226 176 STATE FARM GRP 6,066 6,125 59.90 60.30 8.63 67.857 698 NORTH STAR CO GRP 5,470 5,219 68.58 68.83 7.78 75.648 175 STATE AUTO MUT GRP 3,422 3,317 78.02 78.58 4.87 80.519 214 ALLIANCE INS GRP 2,224 2,171 83.37 84.75 3.17 83.6710 140 NATIONWIDE CORP GRP 1,550 1,494 41.66 41.42 2.21 85.88

**STATE TOTAL** 70,261 68,929 69.77 70.40 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Tennessee 1 694 TENNESSEE FARMERS GRP 90,598 88,821 86.13 86.72 84.06 84.06

2 111 LIBERTY MUT GRP 3,270 3,085 65.55 69.75 3.03 87.093 267 GRANGE MUT CAS GRP 3,159 3,238 52.87 55.47 2.93 90.024 176 STATE FARM GRP 2,876 2,923 115.90 117.66 2.67 92.695 3548 TRAVELERS GRP 1,843 1,632 66.10 64.40 1.71 94.406 228 WESTFIELD GRP 1,247 1,204 46.89 47.15 1.16 95.567 175 STATE AUTO MUT GRP 1,228 1,210 25.03 25.06 1.14 96.708 19 ASSURANT INC GRP 859 965 202.26 205.95 0.80 97.509 123 SHELTER INS GRP 844 821 64.13 67.32 0.78 98.2810 626 ACE LTD GRP 442 380 48.85 57.25 0.41 98.69

**STATE TOTAL** 107,780 105,534 84.37 85.16 100.00 100.00. .

Texas 1 809 TEXAS FARM BUREAU MUT GRP 45,426 41,628 78.98 80.55 32.11 32.112 176 STATE FARM GRP 26,777 26,339 65.07 67.61 18.93 51.043 3548 TRAVELERS GRP 18,256 17,578 61.74 60.08 12.91 63.954 796 QBE INS GRP 13,665 7,937 43.69 47.78 9.66 73.615 19 ASSURANT INC GRP 7,725 7,789 53.16 55.64 5.46 79.076 761 ALLIANZ INS GRP 5,696 5,135 47.03 47.61 4.03 83.107 111 LIBERTY MUT GRP 4,944 4,989 73.26 73.41 3.50 86.598 3489 DELEK GRP 4,533 5,164 -21.53 -30.58 3.20 89.809 1129 WHITE MOUNTAINS GRP 2,582 9,773 81.58 92.97 1.83 91.6210 175 STATE AUTO MUT GRP 2,354 2,252 17.55 20.69 1.66 93.29

**STATE TOTAL** 141,453 136,266 64.08 65.76 100.00 100.00. .

Utah 1 513 IOWA FARM BUREAU GRP 3,665 3,530 84.32 85.88 40.62 40.622 140 NATIONWIDE CORP GRP 1,369 1,416 6.83 1.60 15.17 55.793 176 STATE FARM GRP 1,205 1,286 28.93 25.71 13.35 69.144 796 QBE INS GRP 1,097 1,081 60.27 59.12 12.16 81.305 111 LIBERTY MUT GRP 522 513 30.83 34.53 5.78 87.086 3548 TRAVELERS GRP 487 487 95.50 93.73 5.40 92.487 333 MUTUAL OF ENUMCLAW GRP 207 209 8.89 9.22 2.29 94.778 473 AMERICAN FAMILY INS GRP 196 197 37.48 37.24 2.17 96.949 19 ASSURANT INC GRP 89 97 5.81 5.81 0.98 97.9310 761 ALLIANZ INS GRP 73 68 5.17 5.29 0.81 98.74

**STATE TOTAL** 9,023 8,973 53.86 53.05 100.00 100.00. .

Vermont 1 18686 CO OPERATIVE INS CO 9,263 9,306 33.12 33.65 80.67 80.672 15997 MMG INS CO 797 815 67.01 76.29 6.94 87.623 542 INDIANA FARM BUREAU GRP 458 482 62.12 62.78 3.99 91.614 175 STATE AUTO MUT GRP 391 394 10.37 10.16 3.41 95.025 140 NATIONWIDE CORP GRP 291 146 21.17 21.42 2.54 97.556 626 ACE LTD GRP 74 65 32.41 54.80 0.64 98.207 19 ASSURANT INC GRP 65 87 24.20 24.20 0.56 98.768 3548 TRAVELERS GRP 51 56 22.97 22.21 0.44 99.209 98 WR BERKLEY CORP GRP 47 25 42.52 45.05 0.41 99.61

**STATE TOTAL** 11,483 11,440 35.49 36.68 100.00 100.00. .

Virginia 1 203 VIRGINIA FARM BUREAU GRP 33,946 33,159 43.56 44.62 69.59 69.592 899 ROCKINGHAM GRP 2,361 2,337 46.98 47.09 4.84 74.433 3548 TRAVELERS GRP 2,331 2,385 27.13 24.33 4.78 79.214 140 NATIONWIDE CORP GRP 2,310 2,263 54.97 55.96 4.74 83.955 626 ACE LTD GRP 1,118 1,122 84.89 93.98 2.29 86.246 250 DONEGAL GRP 992 992 34.17 34.72 2.03 88.277 13501 BRETHREN MUT INS CO 914 884 46.53 46.53 1.87 90.148 176 STATE FARM GRP 799 794 89.12 90.31 1.64 91.789 14044 GOODVILLE MUT CAS CO 671 657 125.87 131.95 1.38 93.1610 84 AMERICAN FINANCIAL GRP 581 565 200.21 199.75 1.19 94.35

**STATE TOTAL** 48,778 47,953 49.46 50.37 100.00 100.00. .

Washington 1 333 MUTUAL OF ENUMCLAW GRP 10,523 10,146 84.62 95.23 18.94 18.942 111 LIBERTY MUT GRP 9,025 8,669 109.16 111.96 16.24 35.183 50 COUNTRY INS & FIN SERV GRP 7,492 7,446 102.19 108.47 13.49 48.674 3548 TRAVELERS GRP 6,112 5,841 100.15 99.75 11.00 59.675 83 GRANGE INS GRP 5,982 5,858 76.01 77.66 10.77 70.44




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 796 QBE INS GRP 5,761 4,125 61.37 60.19 10.37 80.817 761 ALLIANZ INS GRP 4,076 4,083 62.20 64.81 7.34 88.148 176 STATE FARM GRP 2,073 2,021 127.30 133.06 3.73 91.889 140 NATIONWIDE CORP GRP 1,762 1,758 23.13 21.04 3.17 95.0510 645 OREGON MUT GRP 924 796 93.22 95.66 1.66 96.71

**STATE TOTAL** 55,558 53,833 90.85 94.85 100.00 100.00. .

West Virginia 1 140 NATIONWIDE CORP GRP 2,849 2,773 142.53 143.73 26.27 26.272 35 CELINA GRP 2,695 2,706 39.85 40.08 24.85 51.113 4339 FARMERS & MECHANICS MUT GRP 2,377 2,286 82.13 85.19 21.92 73.044 228 WESTFIELD GRP 1,260 1,264 51.51 53.60 11.62 84.665 14656 MUNICIPAL MUT INS CO 841 849 57.71 58.24 7.76 92.426 40070 FARMERS MUT INS CO 332 337 14.28 18.02 3.06 95.487 19 ASSURANT INC GRP 141 161 37.94 40.89 1.30 96.778 3548 TRAVELERS GRP 125 144 18.49 16.61 1.15 97.939 11878 MUTUALAID EXCHANGE 96 100 24.37 24.49 0.89 98.8110 626 ACE LTD GRP 64 47 38.10 43.18 0.59 99.40

**STATE TOTAL** 10,845 10,734 77.32 78.73 100.00 100.00. .

Wisconsin 1 15091 RURAL MUT INS CO 38,770 37,560 64.21 66.59 32.25 32.252 473 AMERICAN FAMILY INS GRP 17,699 17,086 66.25 68.43 14.72 46.983 14176 HASTINGS MUT INS CO 9,792 9,255 56.14 57.26 8.15 55.124 96 SECURA INS GRP 8,634 8,816 22.83 21.91 7.18 62.305 291 MOTORISTS MUT GRP 6,412 6,397 60.17 60.58 5.33 67.646 10831 MT MORRIS MUT INS CO 5,799 5,675 62.03 62.73 4.82 72.467 11036 MCMILLAN WARNER MUT INS CO 5,382 5,207 72.84 74.21 4.48 76.948 176 STATE FARM GRP 4,649 4,713 19.16 18.51 3.87 80.819 280 AUTO OWNERS GRP 4,348 4,341 69.00 73.76 3.62 84.4210 140 NATIONWIDE CORP GRP 2,950 3,230 76.50 77.08 2.45 86.88

**STATE TOTAL** 120,209 117,815 56.66 58.27 100.00 100.00. .

Wyoming 1 4683 MOUNTAIN WEST FARM GRP 12,296 11,967 91.11 92.47 51.02 51.022 3548 TRAVELERS GRP 2,805 2,666 65.05 63.52 11.64 62.663 111 LIBERTY MUT GRP 2,383 2,360 62.23 62.86 9.89 72.554 761 ALLIANZ INS GRP 1,634 1,609 88.93 89.27 6.78 79.335 796 QBE INS GRP 1,273 1,249 47.79 47.33 5.28 84.616 140 NATIONWIDE CORP GRP 1,261 1,268 34.58 31.91 5.23 89.857 176 STATE FARM GRP 1,122 1,198 40.28 40.98 4.65 94.508 83 GRANGE INS GRP 658 603 87.43 93.11 2.73 97.239 626 ACE LTD GRP 342 343 38.60 60.36 1.42 98.6510 84 AMERICAN FINANCIAL GRP 143 128 0.34 -2.35 0.59 99.24

**STATE TOTAL** 24,100 23,596 75.62 76.55 100.00 100.00. .

Puerto Rico **STATE TOTAL** 77 77 7.84 7.84 100.00 100.00. .

Canada 1 176 STATE FARM GRP 1,777 1,580 87.79 88.64 61.42 61.42**STATE TOTAL** 2,892 2,824 49.56 49.34 100.00 100.00

. .Aggregate Other Alien **STATE TOTAL** 0 0 N/A N/A N/A 100.00

. .




04— Homeowners Multiple Peril



States, U.S. Territories, Canada, and Aggregate Other Alien04-Homeowners Multiple Peril



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 176 STATE FARM GRP 14,737,236 14,297,373 66.53 68.50 21.58 21.582 8 ALLSTATE INS GRP 6,837,286 6,862,769 60.40 62.40 10.01 31.593 212 ZURICH INS GRP 5,066,034 5,036,070 50.38 51.92 7.42 39.014 111 LIBERTY MUT GRP 3,461,188 3,316,832 56.33 57.76 5.07 44.075 3548 TRAVELERS GRP 3,082,155 2,983,717 47.20 48.56 4.51 48.596 200 UNITED SERV AUTOMOBILE ASSN GRP 2,969,698 2,806,872 55.20 56.29 4.35 52.947 140 NATIONWIDE CORP GRP 2,909,148 2,879,825 64.35 65.72 4.26 57.208 38 CHUBB & SON INC GRP 1,772,268 1,811,451 41.39 39.72 2.59 59.799 473 AMERICAN FAMILY INS GRP 1,460,618 1,434,633 68.24 69.04 2.14 61.9310 91 HARTFORD FIRE & CAS GRP 1,122,780 1,107,933 65.91 69.38 1.64 63.5711 280 AUTO OWNERS GRP 878,807 852,604 91.93 93.37 1.29 64.8612 241 METROPOLITAN GRP 860,986 851,834 52.86 53.27 1.26 66.1213 213 ERIE INS GRP 792,688 765,832 67.23 70.77 1.16 67.2814 10064 CITIZENS PROP INS CORP 790,756 882,462 41.85 42.37 1.16 68.4415 12 AMERICAN INTL GRP 716,396 502,916 53.19 60.83 1.05 69.4916 761 ALLIANZ INS GRP 647,505 657,174 37.39 38.37 0.95 70.4417 50 COUNTRY INS & FIN SERV GRP 577,091 559,186 87.51 88.57 0.84 71.2818 4663 UNIVERSAL INS HOLDING GRP 513,341 492,283 33.80 34.60 0.75 72.0319 1278 CALIFORNIA STATE AUTO GRP 511,857 495,352 52.69 54.69 0.75 72.7820 88 THE HANOVER INS GRP 493,688 473,609 63.55 64.60 0.72 73.5021 1318 AUTO CLUB ENTERPRISES INS GRP 463,118 444,409 45.52 48.59 0.68 74.1822 28 AMICA MUT GRP 431,265 422,793 49.25 51.18 0.63 74.8123 361 MUNICH RE GRP 393,833 370,329 46.41 46.46 0.58 75.3924 55 AUTOMOBILE CLUB MI GRP 367,095 351,770 65.67 66.41 0.54 75.9325 1344 ARX HOLDING CORP GRP 321,405 287,149 31.01 33.04 0.47 76.4026 215 UNITRIN GRP 321,148 320,880 56.30 56.76 0.47 76.8727 501 ALLEGHANY GRP 320,183 284,157 65.11 67.28 0.47 77.3428 175 STATE AUTO MUT GRP 313,490 294,349 77.47 79.72 0.46 77.8029 244 CINCINNATI FIN GRP 298,159 299,147 90.71 93.13 0.44 78.2330 5 ALFA INS GRP 293,987 287,520 114.91 115.21 0.43 78.6631 123 SHELTER INS GRP 287,888 275,812 77.85 78.44 0.42 79.0932 19 ASSURANT INC GRP 282,282 283,156 49.28 49.59 0.41 79.5033 11844 ST JOHNS INS CO INC 271,371 275,647 28.62 30.19 0.40 79.9034 3484 TOWER HILL INS GRP 267,625 269,797 38.57 41.08 0.39 80.2935 408 AMERICAN NATL FIN GRP 242,717 234,132 75.70 76.80 0.36 80.6436 694 TENNESSEE FARMERS GRP 240,723 232,217 117.68 118.87 0.35 81.0037 324 NORTH CAROLINA FARM BUREAU GRP 240,138 229,897 59.28 59.67 0.35 81.3538 816 COMMERCE INC GRP 236,599 225,353 47.92 49.67 0.35 81.6939 267 GRANGE MUT CAS GRP 235,733 226,572 76.42 77.29 0.35 82.0440 660 MERCURY GEN GRP 231,373 225,591 50.34 56.37 0.34 82.3841 22 ANDOVER GRP 229,696 230,944 44.92 46.73 0.34 82.7142 483 SOUTHERN FARM BUREAU CAS GRP 229,011 221,985 53.84 55.39 0.34 83.0543 4111 HOMEWISE GRP 189,709 190,877 52.07 51.81 0.28 83.3344 1281 BANKAMERICA CORP GRP 186,922 219,534 50.72 53.05 0.27 83.6045 300 HORACE MANN GRP 185,633 182,310 59.15 61.04 0.27 83.8746 228 WESTFIELD GRP 182,719 178,326 76.09 77.29 0.27 84.1447 3703 TOWER GRP 176,861 151,500 40.03 41.67 0.26 84.4048 71 UNIVERSAL INS CO GRP 176,275 167,988 41.39 44.34 0.26 84.6649 109 KENTUCKY FARM BUREAU GRP 175,115 167,491 161.07 162.64 0.26 84.9150 513 IOWA FARM BUREAU GRP 174,140 164,093 74.60 74.72 0.25 85.1751 10132 FLORIDA PENINSULA INS CO 173,244 157,048 21.13 23.65 0.25 85.4252 809 TEXAS FARM BUREAU MUT GRP 162,040 153,214 88.48 89.28 0.24 85.6653 2518 CENTRAL SERV GRP 160,374 159,607 41.75 42.88 0.23 85.8954 708 NEW JERSEY MANUFACTURERS GRP 159,624 154,514 55.12 56.79 0.23 86.1355 796 QBE INS GRP 156,089 156,612 58.30 60.10 0.23 86.3656 12538 ROYAL PALM INS CO 153,912 168,372 36.27 37.69 0.23 86.5857 3489 DELEK GRP 146,579 145,301 64.25 66.71 0.21 86.8058 3829 GEOVERA HOLDINGS INC GRP 145,233 139,477 47.27 48.25 0.21 87.0159 561 GEORGIA FARM BUREAU GRP 143,376 144,217 159.52 160.40 0.21 87.2260 1227 PALISADES GRP 140,208 144,564 48.68 49.96 0.21 87.4261 311 MAIN STREET AMER GRP 136,979 128,852 54.65 55.86 0.20 87.6262 1275 QUINCY MUT GRP 136,659 137,653 47.59 49.51 0.20 87.8263 10969 UNITED PROP & CAS INS CO 134,906 129,348 31.87 36.64 0.20 88.0264 542 INDIANA FARM BUREAU GRP 132,845 127,470 74.60 75.02 0.19 88.2265 291 MOTORISTS MUT GRP 129,901 128,051 82.07 83.17 0.19 88.41




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 4 AMERIPRISE FIN GRP 122,555 115,102 77.70 78.22 0.18 88.5967 36 CENTRAL MUT INS CO GRP 119,921 113,483 85.94 86.37 0.18 88.7668 586 ARBELLA INS GRP 118,009 113,632 51.10 51.58 0.17 88.9469 234 VERMONT MUT GRP 115,885 115,054 45.72 46.87 0.17 89.1070 13757 FARM BUREAU MUT INS CO OF AR INC 114,961 110,208 133.72 134.80 0.17 89.2771 253 HARLEYSVILLE GRP 106,942 103,192 47.08 48.91 0.16 89.4372 12568 NORTHERN CAPITAL INS CO 103,482 88,656 38.21 44.72 0.15 89.5873 2898 WESTERN SERV CONTRACT GRP 97,734 95,346 51.09 61.99 0.14 89.7274 LOUISIANA CITIZENS PROPERTY INS. 96,702 115,724 50.88 56.17 0.14 89.8775 10860 SUNSHINE STATE INS CO 95,921 86,694 28.81 31.82 0.14 90.0176 15024 PREFERRED MUT INS CO 95,181 94,530 45.98 47.91 0.14 90.1577 626 ACE LTD GRP 94,811 55,113 54.73 56.51 0.14 90.2878 670 FIDELITY NATL FIN GRP 94,150 94,583 61.35 62.47 0.14 90.4279 67 MICHIGAN FARM BUREAU GRP 94,076 92,448 80.97 83.31 0.14 90.5680 1129 WHITE MOUNTAINS GRP 94,033 102,998 29.50 32.35 0.14 90.7081 10117 SECURITY FIRST INS CO 93,783 82,722 24.88 26.67 0.14 90.8482 250 DONEGAL GRP 93,054 91,736 67.51 69.54 0.14 90.9783 12944 HOMEOWNERS CHOICE PROP & CAS INS CO 92,683 68,555 29.42 30.90 0.14 91.1184 153 PEKIN INS GRP 91,688 88,412 95.69 95.57 0.13 91.2485 4051 OCEAN HARBOR GRP 87,571 85,264 3.27 3.48 0.13 91.3786 10136 SOUTHERN FIDELITY INS CO INC 87,198 79,042 33.47 33.47 0.13 91.5087 1309 FRANKENMUTH GRP 86,956 83,441 61.36 63.10 0.13 91.6288 242 SELECTIVE INS GRP 86,088 78,524 57.50 59.90 0.13 91.7589 14427 LOUISIANA FARM BUREAU MUT INS CO 85,947 83,058 31.70 33.26 0.13 91.8890 3456 CYPRESS HOLDINGS GRP 85,271 86,187 75.98 78.69 0.12 92.0091 1243 WEST BEND MUT GRP 84,320 80,545 62.36 63.01 0.12 92.1292 70 FIRST AMER TITLE GRP 83,689 86,871 37.13 41.34 0.12 92.2593 10897 FIRST PROTECTIVE INS CO 82,043 81,575 24.12 26.08 0.12 92.3794 188 SAFETY GRP 78,740 70,400 35.25 36.01 0.12 92.4895 157 PUBLIC EMPLOYEES GRP 77,809 79,959 49.50 51.34 0.11 92.6096 26905 CENTURY NATL INS CO 75,834 79,888 24.49 25.48 0.11 92.7197 308 PHILADELPHIA CONTRIBUTIONSHIP GRP 72,403 73,999 63.20 65.69 0.11 92.8198 333 MUTUAL OF ENUMCLAW GRP 72,144 70,757 62.06 65.95 0.11 92.9299 220 OKLAHOMA FARM BUREAU GRP 71,957 68,779 177.29 180.09 0.11 93.02100 12954 OLYMPUS INS CO 71,456 60,705 25.16 26.51 0.10 93.13101 33 CALIFORNIA CAS MGMT GRP 69,650 68,852 51.05 52.49 0.10 93.23102 732 NLASCO GRP 69,605 69,907 71.35 78.38 0.10 93.33103 2879 21ST CENTURY HOLDING GRP 67,386 61,648 40.37 46.62 0.10 93.43104 4674 BARRINGTON CAPITAL GRP 66,212 67,762 27.39 29.25 0.10 93.53105 762 FRANKLIN MUT GRP 66,179 66,928 29.32 30.68 0.10 93.63106 4686 JERGER HOLDINGS GRP 65,974 60,851 27.34 28.91 0.10 93.72107 533 SOUTH CAROLINA FARM BUREAU MUT GRP 65,270 65,191 57.69 58.30 0.10 93.82108 12583 ADIRONDACK INS EXCH 64,461 67,894 29.75 30.77 0.09 93.91109 62 EMC INS CO GRP 61,307 61,086 83.31 83.54 0.09 94.00110 12841 AMERICAN INTEGRITY INS CO OF FL 59,841 59,125 33.35 36.42 0.09 94.09111 41459 ARMED FORCES INS EXCH 58,903 58,790 54.07 54.28 0.09 94.18112 13889 FARMERS MUT INS CO OF NE 58,111 57,848 82.40 83.39 0.09 94.26113 54 CUMBERLAND GRP 57,758 58,620 77.45 83.18 0.08 94.35114 14184 ACUITY A MUT INS CO 57,264 53,798 64.83 65.54 0.08 94.43115 271 PENNSYLVANIA NATL INS GRP 55,750 54,221 63.98 64.78 0.08 94.51116 14176 HASTINGS MUT INS CO 55,493 51,144 80.19 81.88 0.08 94.59117 203 VIRGINIA FARM BUREAU GRP 54,875 55,044 45.62 46.36 0.08 94.67118 144 NORFOLK & DEDHAM GRP 54,648 56,277 27.10 29.10 0.08 94.75119 45 CONCORD GRP 53,760 52,147 53.28 53.19 0.08 94.83120 12247 SOUTHERN OAK INS CO 52,674 54,489 16.22 18.61 0.08 94.91121 12482 EDISON INS CO 52,223 56,353 30.97 31.36 0.08 94.98122 195 UNION MUTUAL FIRE INS GRP 51,364 50,851 51.19 51.87 0.08 95.06123 689 BANKERS INS GRP 51,130 39,746 33.83 35.07 0.07 95.13124 800 WESTERN MUT INS GRP 50,994 50,648 32.70 36.28 0.07 95.21125 169 SENTRY INS GRP 49,330 47,849 94.93 96.17 0.07 95.28

**INDUSTRY TOTAL** 68,297,272 66,610,559 59.27 60.94 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 176 STATE FARM GRP 328,258 329,444 95.36 96.72 26.14 26.142 5 ALFA INS GRP 240,357 235,850 117.49 117.76 19.14 45.283 8 ALLSTATE INS GRP 135,636 137,503 109.02 110.36 10.80 56.074 212 ZURICH INS GRP 115,077 110,823 63.07 64.83 9.16 65.245 3548 TRAVELERS GRP 70,725 66,964 77.94 79.52 5.63 70.876 200 UNITED SERV AUTOMOBILE ASSN GRP 50,551 46,168 98.13 98.61 4.03 74.897 140 NATIONWIDE CORP GRP 45,294 43,893 119.60 120.48 3.61 78.508 50 COUNTRY INS & FIN SERV GRP 39,112 38,053 159.39 160.20 3.11 81.619 111 LIBERTY MUT GRP 32,992 31,091 98.79 99.79 2.63 84.2410 280 AUTO OWNERS GRP 28,675 28,342 107.47 110.31 2.28 86.53

**STATE TOTAL** 1,255,910 1,232,533 96.28 97.41 100.00 100.00. .

Alaska 1 176 STATE FARM GRP 43,625 42,122 49.48 53.64 32.97 32.972 8 ALLSTATE INS GRP 35,710 35,768 65.22 66.60 26.99 59.973 200 UNITED SERV AUTOMOBILE ASSN GRP 15,385 14,280 49.65 51.04 11.63 71.604 50 COUNTRY INS & FIN SERV GRP 10,007 9,848 40.82 41.87 7.56 79.165 111 LIBERTY MUT GRP 9,149 8,803 29.94 32.58 6.92 86.076 40126 UMIALIK INS CO 8,204 8,134 58.21 61.80 6.20 92.287 300 HORACE MANN GRP 4,351 4,503 53.05 53.99 3.29 95.568 212 ZURICH INS GRP 2,272 2,248 43.41 44.46 1.72 97.289 91 HARTFORD FIRE & CAS GRP 1,718 1,721 100.25 99.52 1.30 98.5810 19 ASSURANT INC GRP 477 475 85.36 85.36 0.36 98.94

**STATE TOTAL** 132,299 129,340 53.26 55.92 100.00 100.00. .

Arizona 1 176 STATE FARM GRP 243,269 233,532 48.92 51.46 20.50 20.502 212 ZURICH INS GRP 195,801 197,640 41.65 43.09 16.50 37.003 8 ALLSTATE INS GRP 159,705 163,696 42.16 43.26 13.46 50.464 473 AMERICAN FAMILY INS GRP 90,477 90,836 51.40 52.89 7.63 58.095 200 UNITED SERV AUTOMOBILE ASSN GRP 62,700 58,269 70.92 72.39 5.28 63.376 91 HARTFORD FIRE & CAS GRP 54,571 53,560 56.79 58.25 4.60 67.977 111 LIBERTY MUT GRP 47,444 46,939 38.02 38.18 4.00 71.978 3548 TRAVELERS GRP 35,287 33,333 34.46 35.54 2.97 74.949 241 METROPOLITAN GRP 29,947 29,108 46.78 47.73 2.52 77.4710 38 CHUBB & SON INC GRP 22,815 23,957 11.31 6.36 1.92 79.39

**STATE TOTAL** 1,186,547 1,169,774 47.08 48.55 100.00 100.00. .

Arkansas 1 176 STATE FARM GRP 148,058 141,094 107.61 108.60 24.17 24.172 13757 FARM BUREAU MUT INS CO OF AR INC 114,961 110,208 133.72 134.80 18.77 42.933 8 ALLSTATE INS GRP 60,833 58,119 115.58 116.89 9.93 52.864 212 ZURICH INS GRP 54,937 53,718 86.14 87.13 8.97 61.835 123 SHELTER INS GRP 47,963 45,681 98.91 99.92 7.83 69.666 140 NATIONWIDE CORP GRP 25,703 25,888 122.04 123.46 4.20 73.857 3548 TRAVELERS GRP 25,454 23,309 86.18 86.97 4.15 78.018 361 MUNICH RE GRP 17,727 16,477 78.52 78.45 2.89 80.909 200 UNITED SERV AUTOMOBILE ASSN GRP 14,953 13,948 167.97 169.00 2.44 83.3410 241 METROPOLITAN GRP 13,123 13,725 60.71 59.67 2.14 85.49

**STATE TOTAL** 612,633 587,319 110.37 111.43 100.00 100.00. .

California 1 176 STATE FARM GRP 1,421,167 1,358,178 43.09 46.43 21.75 21.752 212 ZURICH INS GRP 1,220,003 1,233,882 22.73 25.99 18.67 40.423 8 ALLSTATE INS GRP 618,119 649,421 32.60 38.18 9.46 49.894 1278 CALIFORNIA STATE AUTO GRP 418,122 413,207 43.84 45.41 6.40 56.295 111 LIBERTY MUT GRP 339,112 327,602 26.41 28.83 5.19 61.486 1318 AUTO CLUB ENTERPRISES INS GRP 317,512 308,725 40.48 43.35 4.86 66.347 200 UNITED SERV AUTOMOBILE ASSN GRP 316,805 301,250 18.71 20.51 4.85 71.188 140 NATIONWIDE CORP GRP 249,230 244,653 36.49 39.83 3.81 75.009 660 MERCURY GEN GRP 196,091 193,267 42.57 47.94 3.00 78.0010 3548 TRAVELERS GRP 195,200 180,296 38.08 40.55 2.99 80.99

**STATE TOTAL** 6,533,514 6,408,552 34.62 37.79 100.00 100.00. .

Colorado 1 176 STATE FARM GRP 315,113 305,139 132.38 133.43 24.22 24.222 212 ZURICH INS GRP 210,375 208,199 102.10 103.19 16.17 40.393 473 AMERICAN FAMILY INS GRP 145,608 145,082 137.76 139.17 11.19 51.584 8 ALLSTATE INS GRP 127,810 125,310 132.19 133.17 9.82 61.415 200 UNITED SERV AUTOMOBILE ASSN GRP 95,472 90,187 127.95 128.88 7.34 68.74




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 3548 TRAVELERS GRP 58,926 54,543 130.40 131.24 4.53 73.277 111 LIBERTY MUT GRP 57,951 54,885 155.90 157.16 4.45 77.738 91 HARTFORD FIRE & CAS GRP 48,743 47,464 218.16 221.16 3.75 81.479 38 CHUBB & SON INC GRP 42,601 42,891 32.42 29.40 3.27 84.7510 140 NATIONWIDE CORP GRP 32,178 31,815 144.56 146.33 2.47 87.22

**STATE TOTAL** 1,301,035 1,260,372 132.12 133.29 100.00 100.00. .

Connecticut 1 3548 TRAVELERS GRP 124,590 123,435 36.06 37.03 11.69 11.692 38 CHUBB & SON INC GRP 116,640 118,821 32.10 30.12 10.95 22.643 111 LIBERTY MUT GRP 115,881 110,783 45.07 46.00 10.88 33.514 8 ALLSTATE INS GRP 109,119 112,661 36.35 37.51 10.24 43.765 91 HARTFORD FIRE & CAS GRP 59,360 60,899 28.59 29.95 5.57 49.336 176 STATE FARM GRP 50,617 47,074 52.39 56.07 4.75 54.087 140 NATIONWIDE CORP GRP 47,155 46,518 55.40 56.51 4.43 58.508 200 UNITED SERV AUTOMOBILE ASSN GRP 46,852 44,495 31.96 33.24 4.40 62.909 28 AMICA MUT GRP 41,841 41,363 38.27 40.33 3.93 66.8310 50 COUNTRY INS & FIN SERV GRP 38,134 37,575 30.30 31.70 3.58 70.41

**STATE TOTAL** 1,065,532 1,049,560 40.62 41.75 100.00 100.00. .

Delaware 1 176 STATE FARM GRP 49,117 47,097 59.14 60.50 26.94 26.942 140 NATIONWIDE CORP GRP 28,900 28,146 50.51 51.37 15.85 42.793 111 LIBERTY MUT GRP 16,713 15,443 30.47 31.29 9.17 51.954 8 ALLSTATE INS GRP 13,473 13,983 44.47 44.82 7.39 59.345 3548 TRAVELERS GRP 7,785 7,258 49.53 51.21 4.27 63.616 200 UNITED SERV AUTOMOBILE ASSN GRP 7,518 7,339 31.56 32.66 4.12 67.747 38 CHUBB & SON INC GRP 6,965 7,061 39.14 39.31 3.82 71.568 91 HARTFORD FIRE & CAS GRP 6,410 6,250 20.30 20.07 3.52 75.079 250 DONEGAL GRP 5,788 5,743 66.09 69.18 3.17 78.2510 26166 WINDSOR MOUNT JOY MUT INS CO 3,904 3,885 7.51 3.51 2.14 80.39

**STATE TOTAL** 182,337 177,390 46.06 46.90 100.00 100.00. .

District of Columbia 1 176 STATE FARM GRP 29,099 28,579 52.09 54.62 23.59 23.592 3548 TRAVELERS GRP 28,096 27,653 31.99 32.78 22.78 46.373 38 CHUBB & SON INC GRP 15,039 15,089 33.43 32.97 12.19 58.574 8 ALLSTATE INS GRP 13,967 14,033 21.48 22.62 11.32 69.895 200 UNITED SERV AUTOMOBILE ASSN GRP 9,363 8,987 42.01 42.81 7.59 77.486 140 NATIONWIDE CORP GRP 6,594 6,512 41.41 42.45 5.35 82.837 761 ALLIANZ INS GRP 5,558 5,579 11.58 11.80 4.51 87.348 91 HARTFORD FIRE & CAS GRP 4,283 4,362 51.55 52.63 3.47 90.819 213 ERIE INS GRP 3,247 3,176 44.67 48.01 2.63 93.4410 111 LIBERTY MUT GRP 2,722 2,463 40.00 40.56 2.21 95.65

**STATE TOTAL** 123,335 121,612 47.82 49.03 100.00 100.00. .

Florida 1 176 STATE FARM GRP 888,326 959,833 46.72 51.58 12.81 12.812 10064 CITIZENS PROP INS CORP 790,756 882,462 41.85 42.37 11.41 24.223 4663 UNIVERSAL INS HOLDING GRP 507,450 490,019 33.81 34.62 7.32 31.544 200 UNITED SERV AUTOMOBILE ASSN GRP 347,315 334,731 29.68 30.59 5.01 36.555 11844 ST JOHNS INS CO INC 269,871 275,205 28.65 30.22 3.89 40.456 3484 TOWER HILL INS GRP 267,625 269,797 38.57 41.08 3.86 44.317 1344 ARX HOLDING CORP GRP 201,690 196,031 24.96 27.42 2.91 47.228 8 ALLSTATE INS GRP 190,906 201,712 43.16 45.69 2.75 49.979 4111 HOMEWISE GRP 185,010 188,580 51.43 51.23 2.67 52.6410 111 LIBERTY MUT GRP 183,668 195,537 56.17 59.58 2.65 55.29

**STATE TOTAL** 6,932,094 7,022,185 38.38 40.72 100.00 100.00. .

Georgia 1 176 STATE FARM GRP 569,778 561,987 139.74 141.12 29.62 29.622 8 ALLSTATE INS GRP 288,798 283,618 183.26 185.53 15.01 44.633 3548 TRAVELERS GRP 145,116 142,825 110.13 112.39 7.54 52.174 561 GEORGIA FARM BUREAU GRP 143,376 144,217 159.52 160.40 7.45 59.625 200 UNITED SERV AUTOMOBILE ASSN GRP 112,742 107,235 133.43 134.44 5.86 65.486 111 LIBERTY MUT GRP 97,261 89,972 158.76 160.78 5.06 70.547 50 COUNTRY INS & FIN SERV GRP 66,456 64,217 181.14 182.28 3.45 73.998 140 NATIONWIDE CORP GRP 63,479 62,464 189.68 190.89 3.30 77.299 212 ZURICH INS GRP 62,785 63,382 117.86 120.29 3.26 80.5510 280 AUTO OWNERS GRP 43,341 38,934 196.90 198.88 2.25 82.81




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 1,923,900 1,886,988 149.13 150.84 100.00 100.00. .

Hawaii 1 176 STATE FARM GRP 96,861 92,194 18.18 19.10 28.39 28.392 4051 OCEAN HARBOR GRP 73,222 72,945 0.00 0.00 21.46 49.853 200 UNITED SERV AUTOMOBILE ASSN GRP 30,830 30,783 15.96 16.30 9.04 58.894 218 CNA INS GRP 25,223 26,469 39.88 39.92 7.39 66.285 8 ALLSTATE INS GRP 21,440 21,354 25.24 30.04 6.28 72.576 106 ISLAND INS CO GRP 13,330 13,084 17.14 17.20 3.91 76.477 4576 GNW ACQUSITION CORP GRO 12,948 12,671 24.88 24.86 3.79 80.278 457 ARGONAUT GRP 11,325 10,114 0.00 0.00 3.32 83.599 783 RLI INS GRP 8,912 9,292 21.66 24.62 2.61 86.2010 111 LIBERTY MUT GRP 7,946 7,604 28.47 28.89 2.33 88.53

**STATE TOTAL** 341,175 333,838 16.91 17.92 100.00 100.00. .

Idaho 1 176 STATE FARM GRP 41,555 39,716 54.42 54.97 17.09 17.092 212 ZURICH INS GRP 40,426 38,205 50.40 51.60 16.62 33.713 8 ALLSTATE INS GRP 28,173 26,923 49.21 49.45 11.59 45.304 111 LIBERTY MUT GRP 24,367 23,220 69.78 71.25 10.02 55.325 842 FARM BUREAU GRP 17,230 16,459 80.73 82.73 7.09 62.406 200 UNITED SERV AUTOMOBILE ASSN GRP 10,193 9,565 42.24 43.32 4.19 66.607 2878 UNITED HERITAGE MUT GRP 9,992 9,445 60.24 63.13 4.11 70.708 473 AMERICAN FAMILY INS GRP 8,518 8,001 44.59 46.40 3.50 74.219 333 MUTUAL OF ENUMCLAW GRP 7,989 8,351 53.02 55.29 3.29 77.4910 140 NATIONWIDE CORP GRP 7,597 8,049 72.36 73.32 3.12 80.62

**STATE TOTAL** 243,179 232,436 57.78 58.90 100.00 100.00. .

Illinois 1 176 STATE FARM GRP 856,483 817,939 69.49 70.80 32.98 32.982 8 ALLSTATE INS GRP 394,590 386,727 59.65 61.32 15.20 48.183 50 COUNTRY INS & FIN SERV GRP 220,407 210,412 75.15 76.08 8.49 56.674 212 ZURICH INS GRP 170,083 170,564 57.63 60.12 6.55 63.225 473 AMERICAN FAMILY INS GRP 129,829 126,204 77.26 77.91 5.00 68.226 111 LIBERTY MUT GRP 96,908 91,208 56.37 57.31 3.73 71.957 3548 TRAVELERS GRP 87,057 80,929 51.63 52.65 3.35 75.308 241 METROPOLITAN GRP 79,416 79,003 50.70 51.12 3.06 78.369 200 UNITED SERV AUTOMOBILE ASSN GRP 52,708 47,786 68.65 69.40 2.03 80.3910 38 CHUBB & SON INC GRP 52,369 52,789 39.21 36.47 2.02 82.41

**STATE TOTAL** 2,596,696 2,498,216 68.60 69.95 100.00 100.00. .

Indiana 1 176 STATE FARM GRP 397,777 374,378 74.88 76.22 29.11 29.112 542 INDIANA FARM BUREAU GRP 126,284 120,714 72.02 72.30 9.24 38.353 8 ALLSTATE INS GRP 95,595 92,910 61.94 62.98 7.00 45.354 111 LIBERTY MUT GRP 74,152 72,419 65.56 65.62 5.43 50.785 473 AMERICAN FAMILY INS GRP 72,965 73,675 72.39 73.37 5.34 56.126 212 ZURICH INS GRP 50,500 50,469 50.44 51.40 3.70 59.817 280 AUTO OWNERS GRP 48,384 46,485 82.00 82.90 3.54 63.358 213 ERIE INS GRP 45,463 43,177 81.34 85.01 3.33 66.689 22624 INDIANA FARMERS MUT INS CO 39,655 37,754 80.57 80.82 2.90 69.5810 140 NATIONWIDE CORP GRP 34,353 35,072 82.92 84.97 2.51 72.10

**STATE TOTAL** 1,366,385 1,311,286 73.00 74.08 100.00 100.00. .

Iowa 1 176 STATE FARM GRP 138,499 131,224 51.86 52.86 27.17 27.172 140 NATIONWIDE CORP GRP 84,148 83,398 81.02 81.47 16.51 43.693 473 AMERICAN FAMILY INS GRP 40,227 39,988 69.62 70.48 7.89 51.584 513 IOWA FARM BUREAU GRP 37,067 35,355 76.27 76.46 7.27 58.855 280 AUTO OWNERS GRP 18,464 17,907 89.36 89.90 3.62 62.476 212 ZURICH INS GRP 17,078 16,881 46.00 47.83 3.35 65.837 8 ALLSTATE INS GRP 15,671 15,968 48.12 48.66 3.07 68.908 153 PEKIN INS GRP 13,796 13,791 68.27 68.38 2.71 71.619 3991 IMT MUT HOLDING GRP 13,787 13,669 64.38 65.18 2.71 74.3110 1243 WEST BEND MUT GRP 12,104 11,285 53.26 53.52 2.37 76.69

**STATE TOTAL** 509,659 493,785 64.76 65.44 100.00 100.00. .





StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 513 IOWA FARM BUREAU GRP 64,404 59,555 88.94 89.05 8.48 59.005 8 ALLSTATE INS GRP 38,481 38,579 76.87 77.81 5.07 64.076 3548 TRAVELERS GRP 37,746 34,380 54.51 55.14 4.97 69.047 140 NATIONWIDE CORP GRP 29,314 28,555 80.17 80.32 3.86 72.908 111 LIBERTY MUT GRP 28,969 28,377 51.46 52.64 3.82 76.729 200 UNITED SERV AUTOMOBILE ASSN GRP 22,410 20,575 69.66 70.07 2.95 79.6710 123 SHELTER INS GRP 20,853 19,564 80.26 81.39 2.75 82.42

**STATE TOTAL** 759,232 730,505 71.11 72.03 100.00 100.00. .

Kentucky 1 176 STATE FARM GRP 179,331 171,508 121.87 123.47 23.27 23.272 109 KENTUCKY FARM BUREAU GRP 175,115 167,491 161.07 162.64 22.72 46.003 8 ALLSTATE INS GRP 72,713 73,202 101.07 102.46 9.44 55.434 111 LIBERTY MUT GRP 63,986 62,328 106.46 107.05 8.30 63.745 175 STATE AUTO MUT GRP 33,280 32,641 119.68 122.58 4.32 68.056 140 NATIONWIDE CORP GRP 27,426 27,503 142.59 143.83 3.56 71.617 3548 TRAVELERS GRP 25,804 24,304 91.07 92.55 3.35 74.968 280 AUTO OWNERS GRP 22,742 21,771 144.10 144.92 2.95 77.919 200 UNITED SERV AUTOMOBILE ASSN GRP 18,186 16,898 111.82 113.06 2.36 80.2710 212 ZURICH INS GRP 16,262 17,087 109.10 110.17 2.11 82.38

**STATE TOTAL** 770,597 745,508 125.81 127.20 100.00 100.00. .

Louisiana 1 176 STATE FARM GRP 420,833 403,017 17.33 21.53 27.89 27.892 8 ALLSTATE INS GRP 211,359 213,775 12.81 13.76 14.01 41.903 LOUISIANA CITIZENS PROPERTY INS. 96,702 115,724 50.88 56.17 6.41 48.314 111 LIBERTY MUT GRP 92,842 85,744 31.96 34.05 6.15 54.465 14427 LOUISIANA FARM BUREAU MUT INS CO 85,947 83,058 31.70 33.26 5.70 60.166 212 ZURICH INS GRP 84,905 85,019 11.62 13.32 5.63 65.797 200 UNITED SERV AUTOMOBILE ASSN GRP 56,350 53,248 13.22 13.36 3.73 69.528 361 MUNICH RE GRP 37,278 35,225 31.25 30.80 2.47 71.999 1344 ARX HOLDING CORP GRP 35,984 23,749 23.37 23.87 2.38 74.3810 3489 DELEK GRP 34,367 34,621 17.97 17.74 2.28 76.65

**STATE TOTAL** 1,508,831 1,465,255 15.83 18.05 100.00 100.00. .

Maine 1 176 STATE FARM GRP 32,493 30,905 68.45 69.98 10.60 10.602 111 LIBERTY MUT GRP 31,517 29,984 51.65 52.43 10.28 20.883 8 ALLSTATE INS GRP 21,207 20,494 51.59 52.18 6.92 27.804 1129 WHITE MOUNTAINS GRP 20,146 21,644 29.25 30.69 6.57 34.375 15997 MMG INS CO 18,670 18,068 56.52 57.03 6.09 40.466 45 CONCORD GRP 18,542 17,685 50.72 51.11 6.05 46.517 88 THE HANOVER INS GRP 14,206 13,208 38.05 38.71 4.63 51.158 1275 QUINCY MUT GRP 13,232 12,794 50.88 52.67 4.32 55.479 3548 TRAVELERS GRP 13,100 12,283 43.90 45.23 4.27 59.7410 234 VERMONT MUT GRP 12,368 11,674 66.16 67.12 4.03 63.77

**STATE TOTAL** 306,520 296,601 52.35 53.27 100.00 100.00. .

Maryland 1 176 STATE FARM GRP 264,056 256,349 55.78 56.37 21.15 21.152 8 ALLSTATE INS GRP 196,393 197,448 51.24 53.82 15.73 36.893 3548 TRAVELERS GRP 161,810 161,277 32.79 33.45 12.96 49.854 140 NATIONWIDE CORP GRP 134,196 134,080 46.71 47.66 10.75 60.605 213 ERIE INS GRP 95,674 92,761 53.76 56.33 7.66 68.276 200 UNITED SERV AUTOMOBILE ASSN GRP 82,965 75,877 55.96 56.79 6.65 74.917 111 LIBERTY MUT GRP 70,553 65,366 44.80 45.38 5.65 80.578 38 CHUBB & SON INC GRP 25,908 26,283 40.14 39.81 2.08 82.649 761 ALLIANZ INS GRP 22,591 22,753 68.42 68.84 1.81 84.4510 212 ZURICH INS GRP 21,846 21,933 55.89 59.03 1.75 86.20

**STATE TOTAL** 1,248,213 1,221,702 49.01 50.20 100.00 100.00. .

Massachusetts 1 816 COMMERCE INC GRP 180,437 174,412 42.67 44.40 10.74 10.742 111 LIBERTY MUT GRP 137,670 122,750 39.24 40.64 8.19 18.933 3548 TRAVELERS GRP 127,762 129,128 37.08 38.77 7.60 26.534 38 CHUBB & SON INC GRP 121,227 125,575 27.69 27.37 7.21 33.745 22 ANDOVER GRP 114,310 116,932 48.52 50.07 6.80 40.546 586 ARBELLA INS GRP 103,639 99,695 50.06 50.35 6.17 46.717 1275 QUINCY MUT GRP 81,660 82,457 46.77 48.30 4.86 51.578 188 SAFETY GRP 78,408 70,257 35.20 35.96 4.67 56.23




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 234 VERMONT MUT GRP 61,723 62,180 41.31 42.56 3.67 59.9110 88 THE HANOVER INS GRP 56,721 53,034 51.27 53.00 3.37 63.28

**STATE TOTAL** 1,680,657 1,654,450 39.69 40.94 100.00 100.00. .

Michigan 1 176 STATE FARM GRP 445,767 435,369 64.50 65.97 20.63 20.632 280 AUTO OWNERS GRP 306,309 305,073 84.17 85.59 14.18 34.813 55 AUTOMOBILE CLUB MI GRP 268,406 263,218 62.44 63.28 12.42 47.234 88 THE HANOVER INS GRP 203,124 199,014 57.72 59.16 9.40 56.635 8 ALLSTATE INS GRP 171,317 168,752 50.75 52.10 7.93 64.566 212 ZURICH INS GRP 100,911 105,424 84.95 86.89 4.67 69.237 67 MICHIGAN FARM BUREAU GRP 94,076 92,448 80.97 83.31 4.35 73.588 1309 FRANKENMUTH GRP 69,485 67,029 62.91 64.47 3.22 76.809 111 LIBERTY MUT GRP 64,202 61,959 66.81 67.40 2.97 79.7710 18309 PIONEER STATE MUT INS CO 46,049 46,183 76.53 77.71 2.13 81.90

**STATE TOTAL** 2,160,746 2,137,657 68.72 70.16 100.00 100.00. .

Minnesota 1 176 STATE FARM GRP 358,028 335,703 62.46 63.35 25.71 25.712 473 AMERICAN FAMILY INS GRP 196,070 189,719 35.94 36.42 14.08 39.793 212 ZURICH INS GRP 152,786 151,081 51.59 52.45 10.97 50.764 8 ALLSTATE INS GRP 81,662 79,625 40.13 40.71 5.86 56.625 280 AUTO OWNERS GRP 68,909 65,371 67.46 68.59 4.95 61.576 111 LIBERTY MUT GRP 44,033 41,058 48.65 49.19 3.16 64.737 241 METROPOLITAN GRP 41,914 41,918 28.63 28.16 3.01 67.748 3548 TRAVELERS GRP 36,530 30,712 69.59 70.11 2.62 70.369 140 NATIONWIDE CORP GRP 33,178 32,555 62.27 62.64 2.38 72.7410 309 WESTERN NATL MUT 32,802 32,298 36.96 37.98 2.36 75.10

**STATE TOTAL** 1,392,706 1,330,099 52.95 53.60 100.00 100.00. .

Mississippi 1 176 STATE FARM GRP 188,125 187,760 49.59 52.68 25.03 25.032 483 SOUTHERN FARM BUREAU CAS GRP 119,017 115,132 59.93 60.80 15.84 40.873 8 ALLSTATE INS GRP 94,509 91,030 39.52 40.50 12.58 53.454 140 NATIONWIDE CORP GRP 71,877 71,399 39.86 40.89 9.56 63.015 212 ZURICH INS GRP 46,395 45,613 52.91 53.87 6.17 69.186 111 LIBERTY MUT GRP 28,879 26,860 44.86 46.95 3.84 73.037 200 UNITED SERV AUTOMOBILE ASSN GRP 24,986 24,191 41.96 42.20 3.32 76.358 5 ALFA INS GRP 24,091 24,012 60.87 61.38 3.21 79.569 241 METROPOLITAN GRP 22,978 23,629 13.72 13.32 3.06 82.6110 361 MUNICH RE GRP 22,312 21,488 47.92 47.75 2.97 85.58

**STATE TOTAL** 751,510 736,069 46.52 48.02 100.00 100.00. .

Missouri 1 176 STATE FARM GRP 380,439 363,419 59.49 60.76 27.55 27.552 473 AMERICAN FAMILY INS GRP 234,312 229,480 61.87 62.49 16.97 44.523 212 ZURICH INS GRP 111,532 106,863 52.71 54.06 8.08 52.604 123 SHELTER INS GRP 82,676 79,015 63.32 63.87 5.99 58.595 8 ALLSTATE INS GRP 79,104 77,759 51.74 52.78 5.73 64.326 111 LIBERTY MUT GRP 70,554 68,934 51.86 52.70 5.11 69.437 3548 TRAVELERS GRP 55,655 49,569 52.12 53.09 4.03 73.468 140 NATIONWIDE CORP GRP 44,185 41,608 72.72 73.52 3.20 76.669 1318 AUTO CLUB ENTERPRISES INS GRP 39,961 37,454 45.31 45.07 2.89 79.5510 514 MISSOURI FARM BUREAU GRP 36,105 34,293 86.35 86.93 2.61 82.17

**STATE TOTAL** 1,380,723 1,321,904 61.74 62.67 100.00 100.00. .

Montana 1 176 STATE FARM GRP 49,964 47,828 79.84 83.53 24.46 24.462 212 ZURICH INS GRP 35,299 34,278 51.27 52.79 17.28 41.753 111 LIBERTY MUT GRP 25,602 24,963 65.13 67.05 12.54 54.284 3548 TRAVELERS GRP 12,308 11,217 49.28 50.55 6.03 60.315 91 HARTFORD FIRE & CAS GRP 11,075 10,988 82.04 85.20 5.42 65.736 4683 MOUNTAIN WEST FARM GRP 10,135 9,344 66.86 67.82 4.96 70.707 8 ALLSTATE INS GRP 8,669 8,565 58.21 59.53 4.24 74.948 200 UNITED SERV AUTOMOBILE ASSN GRP 7,912 7,822 54.15 56.00 3.87 78.819 140 NATIONWIDE CORP GRP 5,556 6,260 94.93 95.45 2.72 81.5310 28436 FARMERS UNION MUT INS CO 5,505 5,769 45.34 45.27 2.70 84.23

**STATE TOTAL** 204,233 198,158 64.28 66.21 100.00 100.00. .





StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 13889 FARMERS MUT INS CO OF NE 48,534 48,281 77.23 78.22 11.68 41.033 473 AMERICAN FAMILY INS GRP 41,462 41,933 63.38 64.07 9.98 51.014 212 ZURICH INS GRP 32,008 31,117 56.65 57.54 7.70 58.715 513 IOWA FARM BUREAU GRP 26,678 25,316 67.28 67.31 6.42 65.136 140 NATIONWIDE CORP GRP 25,614 25,161 90.06 90.23 6.16 71.307 8 ALLSTATE INS GRP 19,419 19,306 51.55 52.89 4.67 75.978 3548 TRAVELERS GRP 14,747 13,576 35.69 35.56 3.55 79.529 200 UNITED SERV AUTOMOBILE ASSN GRP 12,425 11,973 38.23 39.26 2.99 82.5110 280 AUTO OWNERS GRP 7,971 7,703 82.68 83.16 1.92 84.43

**STATE TOTAL** 415,491 405,252 60.40 61.01 100.00 100.00. .

Nevada 1 212 ZURICH INS GRP 96,116 98,663 32.70 34.43 20.29 20.292 176 STATE FARM GRP 89,700 86,645 38.50 40.23 18.93 39.223 8 ALLSTATE INS GRP 64,188 64,461 31.60 32.45 13.55 52.764 1278 CALIFORNIA STATE AUTO GRP 27,255 26,073 63.64 67.96 5.75 58.525 91 HARTFORD FIRE & CAS GRP 22,824 22,198 27.33 27.74 4.82 63.336 473 AMERICAN FAMILY INS GRP 22,438 23,258 49.67 50.00 4.74 68.077 111 LIBERTY MUT GRP 21,471 21,458 44.10 45.41 4.53 72.608 200 UNITED SERV AUTOMOBILE ASSN GRP 20,736 19,645 35.49 36.76 4.38 76.989 3548 TRAVELERS GRP 17,108 16,351 26.34 27.55 3.61 80.5910 50 COUNTRY INS & FIN SERV GRP 10,837 10,758 39.55 40.45 2.29 82.87

**STATE TOTAL** 473,816 469,822 37.13 38.76 100.00 100.00. .

New Hampshire 1 111 LIBERTY MUT GRP 44,930 43,249 37.12 38.15 14.58 14.582 176 STATE FARM GRP 33,681 31,854 50.09 51.05 10.93 25.503 8 ALLSTATE INS GRP 27,562 27,016 30.77 29.15 8.94 34.444 45 CONCORD GRP 18,881 18,301 62.14 61.52 6.13 40.575 200 UNITED SERV AUTOMOBILE ASSN GRP 14,748 13,904 41.42 42.05 4.78 45.356 234 VERMONT MUT GRP 12,039 11,765 67.46 67.62 3.91 49.267 3548 TRAVELERS GRP 11,762 11,224 49.69 50.83 3.82 53.078 241 METROPOLITAN GRP 11,291 11,341 47.24 47.39 3.66 56.749 22 ANDOVER GRP 11,228 11,309 64.49 64.60 3.64 60.3810 15997 MMG INS CO 11,028 10,864 67.91 68.83 3.58 63.96

**STATE TOTAL** 308,254 299,032 52.60 53.00 100.00 100.00. .

New Jersey 1 176 STATE FARM GRP 258,471 245,409 56.90 60.60 13.21 13.212 8 ALLSTATE INS GRP 223,783 226,057 50.62 55.30 11.43 24.643 708 NEW JERSEY MANUFACTURERS GRP 155,582 150,507 55.18 56.83 7.95 32.594 111 LIBERTY MUT GRP 152,453 145,204 45.04 46.62 7.79 40.385 38 CHUBB & SON INC GRP 146,230 151,635 41.99 40.38 7.47 47.856 1227 PALISADES GRP 140,208 144,564 48.68 49.96 7.16 55.017 3548 TRAVELERS GRP 116,670 116,622 45.03 47.37 5.96 60.978 200 UNITED SERV AUTOMOBILE ASSN GRP 70,835 67,303 49.04 51.73 3.62 64.599 762 FRANKLIN MUT GRP 66,179 66,928 29.32 30.68 3.38 67.9710 501 ALLEGHANY GRP 55,464 50,326 51.02 53.34 2.83 70.81

**STATE TOTAL** 1,957,270 1,915,270 49.86 52.85 100.00 100.00. .

New Mexico 1 176 STATE FARM GRP 88,820 86,675 46.19 47.66 23.70 23.702 212 ZURICH INS GRP 81,983 78,989 40.07 41.53 21.87 45.573 8 ALLSTATE INS GRP 53,908 53,178 36.81 37.86 14.38 59.964 91 HARTFORD FIRE & CAS GRP 24,169 23,377 59.92 61.23 6.45 66.415 200 UNITED SERV AUTOMOBILE ASSN GRP 23,650 21,586 57.49 58.60 6.31 72.726 111 LIBERTY MUT GRP 18,930 17,430 60.77 62.44 5.05 77.777 3548 TRAVELERS GRP 12,485 11,314 54.36 56.94 3.33 81.108 38 CHUBB & SON INC GRP 10,997 11,102 63.13 62.39 2.93 84.039 241 METROPOLITAN GRP 10,008 9,861 48.25 49.52 2.67 86.7010 513 IOWA FARM BUREAU GRP 8,877 8,557 30.78 30.29 2.37 89.07

**STATE TOTAL** 374,781 361,305 45.91 47.17 100.00 100.00. .

New York 1 176 STATE FARM GRP 681,498 663,974 46.89 49.60 16.08 16.082 8 ALLSTATE INS GRP 666,967 678,865 45.85 48.27 15.74 31.813 3548 TRAVELERS GRP 454,181 447,424 29.77 31.08 10.71 42.534 38 CHUBB & SON INC GRP 392,675 399,981 36.10 34.41 9.26 51.795 111 LIBERTY MUT GRP 313,104 298,158 36.55 38.35 7.39 59.186 2518 CENTRAL SERV GRP 160,374 159,607 41.75 42.88 3.78 62.96




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 140 NATIONWIDE CORP GRP 151,392 150,654 37.48 38.41 3.57 66.538 241 METROPOLITAN GRP 130,375 130,088 37.95 38.68 3.08 69.619 212 ZURICH INS GRP 120,975 128,380 71.09 73.65 2.85 72.4610 3703 TOWER GRP 114,769 106,079 34.83 36.13 2.71 75.17

**STATE TOTAL** 4,238,743 4,164,691 40.72 42.42 100.00 100.00. .

North Carolina 1 176 STATE FARM GRP 354,512 336,841 54.69 55.34 19.52 19.522 140 NATIONWIDE CORP GRP 281,414 273,769 59.53 60.10 15.49 35.013 324 NORTH CAROLINA FARM BUREAU GRP 240,138 229,897 59.33 59.72 13.22 48.234 8 ALLSTATE INS GRP 167,914 168,963 53.55 54.07 9.24 57.475 3548 TRAVELERS GRP 90,513 90,772 46.10 47.74 4.98 62.456 200 UNITED SERV AUTOMOBILE ASSN GRP 89,822 84,689 58.01 58.70 4.94 67.407 111 LIBERTY MUT GRP 84,066 81,378 62.60 63.54 4.63 72.038 213 ERIE INS GRP 75,762 72,466 69.99 74.19 4.17 76.209 280 AUTO OWNERS GRP 63,537 60,253 59.50 60.66 3.50 79.6910 215 UNITRIN GRP 41,985 42,706 64.70 64.33 2.31 82.00

**STATE TOTAL** 1,816,556 1,754,203 57.09 57.93 100.00 100.00. .

North Dakota 1 176 STATE FARM GRP 25,493 24,144 34.97 35.70 19.98 19.982 473 AMERICAN FAMILY INS GRP 18,390 18,217 40.47 40.46 14.42 34.403 32670 FARMERS UNION MUT INS CO 11,971 11,362 61.67 61.85 9.38 43.794 280 AUTO OWNERS GRP 10,987 10,597 46.66 46.63 8.61 52.405 3500 NODAK MUT GRP 10,164 9,590 54.79 55.92 7.97 60.376 212 ZURICH INS GRP 7,807 7,453 48.17 49.31 6.12 66.497 698 NORTH STAR CO GRP 6,215 6,000 42.28 42.87 4.87 71.368 62 EMC INS CO GRP 3,916 3,821 42.98 42.92 3.07 74.439 175 STATE AUTO MUT GRP 3,686 3,487 45.76 46.57 2.89 77.3210 50 COUNTRY INS & FIN SERV GRP 3,433 3,145 36.68 37.55 2.69 80.01

**STATE TOTAL** 127,562 122,618 46.50 46.96 100.00 100.00. .

Ohio 1 176 STATE FARM GRP 474,342 452,247 94.96 96.03 23.05 23.052 8 ALLSTATE INS GRP 233,527 233,339 67.97 69.49 11.35 34.403 140 NATIONWIDE CORP GRP 222,151 215,025 76.11 77.22 10.80 45.204 267 GRANGE MUT CAS GRP 116,274 112,093 74.59 75.30 5.65 50.855 111 LIBERTY MUT GRP 99,933 95,129 71.45 71.64 4.86 55.716 244 CINCINNATI FIN GRP 85,885 88,699 91.38 94.37 4.17 59.887 228 WESTFIELD GRP 82,627 80,239 85.45 86.59 4.02 63.908 213 ERIE INS GRP 75,431 72,988 92.85 96.48 3.67 67.569 280 AUTO OWNERS GRP 60,332 59,055 90.49 91.86 2.93 70.5010 212 ZURICH INS GRP 59,668 55,745 70.85 72.51 2.90 73.40

**STATE TOTAL** 2,057,589 1,991,073 81.96 83.20 100.00 100.00. .

Oklahoma 1 176 STATE FARM GRP 261,696 251,730 132.50 133.46 26.87 26.872 212 ZURICH INS GRP 180,613 174,869 111.66 112.72 18.54 45.413 8 ALLSTATE INS GRP 82,775 81,310 123.14 124.25 8.50 53.914 220 OKLAHOMA FARM BUREAU GRP 71,957 68,779 177.29 180.09 7.39 61.305 200 UNITED SERV AUTOMOBILE ASSN GRP 45,793 43,104 124.82 125.41 4.70 66.006 111 LIBERTY MUT GRP 39,121 37,665 118.20 118.71 4.02 70.027 3548 TRAVELERS GRP 36,229 31,804 120.55 121.30 3.72 73.748 123 SHELTER INS GRP 29,688 28,123 134.60 135.59 3.05 76.789 1321 AMERICAN FARMERS & RANCHERS GRP 25,020 24,659 115.74 115.78 2.57 79.3510 91 HARTFORD FIRE & CAS GRP 21,622 21,107 147.85 148.37 2.22 81.57

**STATE TOTAL** 974,003 939,478 127.57 128.69 100.00 100.00. .

Oregon 1 176 STATE FARM GRP 157,126 152,232 58.00 59.56 25.69 25.692 212 ZURICH INS GRP 117,824 114,460 57.23 59.33 19.26 44.953 111 LIBERTY MUT GRP 62,152 60,687 68.09 70.04 10.16 55.114 8 ALLSTATE INS GRP 59,512 58,366 49.57 52.48 9.73 64.845 50 COUNTRY INS & FIN SERV GRP 25,324 24,422 62.00 62.96 4.14 68.986 200 UNITED SERV AUTOMOBILE ASSN GRP 24,377 22,787 54.02 55.16 3.99 72.977 473 AMERICAN FAMILY INS GRP 22,559 22,697 82.52 84.61 3.69 76.668 140 NATIONWIDE CORP GRP 14,050 14,329 69.28 71.81 2.30 78.959 91 HARTFORD FIRE & CAS GRP 13,549 13,064 76.81 79.09 2.22 81.1710 3548 TRAVELERS GRP 13,136 11,963 51.01 52.95 2.15 83.32

**STATE TOTAL** 611,659 594,451 58.72 60.42 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Pennsylvania 1 176 STATE FARM GRP 479,500 461,007 60.99 63.15 19.51 19.51

2 8 ALLSTATE INS GRP 383,184 382,516 51.16 52.61 15.59 35.113 213 ERIE INS GRP 308,305 301,894 63.03 66.45 12.55 47.654 140 NATIONWIDE CORP GRP 250,789 243,162 51.74 52.68 10.21 57.865 3548 TRAVELERS GRP 200,876 192,362 46.67 47.99 8.17 66.046 111 LIBERTY MUT GRP 159,825 156,590 55.69 56.71 6.50 72.547 38 CHUBB & SON INC GRP 80,977 83,409 70.77 70.75 3.30 75.848 200 UNITED SERV AUTOMOBILE ASSN GRP 61,348 58,802 54.22 55.03 2.50 78.339 212 ZURICH INS GRP 47,170 48,946 62.77 66.39 1.92 80.2510 250 DONEGAL GRP 46,309 45,308 58.12 59.96 1.88 82.14

**STATE TOTAL** 2,457,231 2,408,294 56.50 58.33 100.00 100.00. .

Rhode Island 1 8 ALLSTATE INS GRP 43,836 41,144 36.56 37.18 15.31 15.312 28 AMICA MUT GRP 33,112 32,082 35.01 36.34 11.56 26.873 111 LIBERTY MUT GRP 28,430 28,533 37.39 37.23 9.93 36.804 140 NATIONWIDE CORP GRP 23,061 23,036 44.37 45.69 8.05 44.855 241 METROPOLITAN GRP 16,602 16,532 34.80 34.81 5.80 50.656 38 CHUBB & SON INC GRP 13,600 14,229 25.61 23.18 4.75 55.407 200 UNITED SERV AUTOMOBILE ASSN GRP 12,574 12,194 28.85 29.67 4.39 59.798 22 ANDOVER GRP 11,279 11,825 38.31 39.82 3.94 63.739 3548 TRAVELERS GRP 9,826 10,158 16.28 17.29 3.43 67.1610 382 PROVIDENCE GRP 9,553 9,237 31.65 32.69 3.34 70.50

**STATE TOTAL** 286,363 281,020 36.64 37.71 100.00 100.00. .

South Carolina 1 176 STATE FARM GRP 303,294 297,368 49.11 49.88 25.04 25.042 8 ALLSTATE INS GRP 158,329 157,697 54.01 54.87 13.07 38.123 140 NATIONWIDE CORP GRP 95,279 94,391 50.08 50.73 7.87 45.994 3548 TRAVELERS GRP 82,237 81,614 55.13 56.25 6.79 52.785 200 UNITED SERV AUTOMOBILE ASSN GRP 80,018 78,253 32.70 33.78 6.61 59.386 533 SOUTH CAROLINA FARM BUREAU MUT GRP 65,270 65,191 57.69 58.30 5.39 64.777 212 ZURICH INS GRP 57,446 58,066 34.54 35.99 4.74 69.528 111 LIBERTY MUT GRP 49,102 47,754 39.36 40.09 4.05 73.579 12 AMERICAN INTL GRP 36,650 36,004 22.00 23.56 3.03 76.6010 280 AUTO OWNERS GRP 30,405 29,838 58.46 60.35 2.51 79.11

**STATE TOTAL** 1,211,038 1,186,676 46.17 47.04 100.00 100.00. .

South Dakota 1 176 STATE FARM GRP 27,372 26,059 66.01 67.08 19.97 19.972 473 AMERICAN FAMILY INS GRP 18,653 18,521 73.65 74.18 13.61 33.583 212 ZURICH INS GRP 13,494 12,701 81.97 83.06 9.84 43.424 13889 FARMERS MUT INS CO OF NE 9,576 9,567 108.46 109.53 6.99 50.415 205 DE SMET INS GRP 7,675 7,620 71.58 75.74 5.60 56.016 140 NATIONWIDE CORP GRP 7,262 7,162 60.77 60.89 5.30 61.317 280 AUTO OWNERS GRP 5,666 5,414 110.84 111.56 4.13 65.448 698 NORTH STAR CO GRP 4,459 4,379 78.19 78.60 3.25 68.709 200 UNITED SERV AUTOMOBILE ASSN GRP 4,042 3,857 44.84 46.06 2.95 71.6410 513 IOWA FARM BUREAU GRP 3,828 3,544 74.39 74.73 2.79 74.44

**STATE TOTAL** 137,066 132,808 77.88 78.92 100.00 100.00. .

Tennessee 1 176 STATE FARM GRP 347,896 334,570 89.25 89.90 26.94 26.942 694 TENNESSEE FARMERS GRP 240,723 232,217 117.68 118.87 18.64 45.583 8 ALLSTATE INS GRP 140,437 139,401 71.61 72.76 10.88 56.464 3548 TRAVELERS GRP 77,352 72,817 72.26 73.19 5.99 62.455 140 NATIONWIDE CORP GRP 59,717 60,209 81.92 83.40 4.62 67.076 111 LIBERTY MUT GRP 58,905 55,025 81.09 82.25 4.56 71.637 212 ZURICH INS GRP 56,247 55,991 75.68 77.25 4.36 75.998 200 UNITED SERV AUTOMOBILE ASSN GRP 39,720 36,398 93.43 94.35 3.08 79.069 280 AUTO OWNERS GRP 26,979 26,602 103.64 104.85 2.09 81.1510 241 METROPOLITAN GRP 20,395 20,187 56.00 56.03 1.58 82.73

**STATE TOTAL** 1,291,361 1,251,977 88.66 89.73 100.00 100.00. .

Texas 1 176 STATE FARM GRP 1,627,359 1,587,713 72.81 74.29 29.00 29.002 212 ZURICH INS GRP 761,634 742,173 41.99 39.73 13.57 42.573 8 ALLSTATE INS GRP 734,192 728,595 73.14 74.27 13.08 55.654 200 UNITED SERV AUTOMOBILE ASSN GRP 448,829 423,260 62.14 63.16 8.00 63.64




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 3548 TRAVELERS GRP 276,752 275,024 65.93 67.63 4.93 68.586 111 LIBERTY MUT GRP 250,520 230,477 60.50 62.28 4.46 73.047 140 NATIONWIDE CORP GRP 232,738 232,780 73.26 75.27 4.15 77.198 809 TEXAS FARM BUREAU MUT GRP 162,040 153,214 88.48 89.28 2.89 80.079 38 CHUBB & SON INC GRP 113,035 112,531 69.70 68.59 2.01 82.0910 91 HARTFORD FIRE & CAS GRP 108,180 103,147 87.23 88.96 1.93 84.02

**STATE TOTAL** 5,612,411 5,420,839 67.19 68.31 100.00 100.00. .

Utah 1 176 STATE FARM GRP 76,571 72,995 46.51 46.70 20.53 20.532 212 ZURICH INS GRP 66,231 64,697 46.90 48.30 17.76 38.293 8 ALLSTATE INS GRP 57,539 57,995 51.23 52.15 15.43 53.724 13471 BEAR RIVER MUT INS CO 23,971 23,526 43.77 42.71 6.43 60.155 140 NATIONWIDE CORP GRP 18,172 18,001 65.79 66.63 4.87 65.026 473 AMERICAN FAMILY INS GRP 16,773 16,152 62.85 64.21 4.50 69.527 111 LIBERTY MUT GRP 12,553 12,064 42.48 42.92 3.37 72.888 200 UNITED SERV AUTOMOBILE ASSN GRP 12,471 11,596 59.19 60.88 3.34 76.239 513 IOWA FARM BUREAU GRP 10,727 10,012 57.59 57.65 2.88 79.1010 241 METROPOLITAN GRP 10,264 9,928 42.07 42.60 2.75 81.85

**STATE TOTAL** 372,946 359,050 51.17 51.95 100.00 100.00. .

Vermont 1 234 VERMONT MUT GRP 19,676 19,449 34.13 34.45 12.27 12.272 18686 CO OPERATIVE INS CO 16,976 16,707 62.49 63.78 10.58 22.853 111 LIBERTY MUT GRP 13,588 12,831 46.57 47.33 8.47 31.324 176 STATE FARM GRP 12,636 12,054 47.86 48.56 7.88 39.195 195 UNION MUTUAL FIRE INS GRP 12,256 12,146 51.47 52.21 7.64 46.836 45 CONCORD GRP 11,110 10,888 41.39 41.32 6.93 53.767 8 ALLSTATE INS GRP 10,723 10,859 46.71 48.27 6.68 60.448 38 CHUBB & SON INC GRP 8,430 8,599 44.22 42.07 5.25 65.709 140 NATIONWIDE CORP GRP 7,668 7,502 61.13 61.67 4.78 70.4810 3548 TRAVELERS GRP 6,205 5,801 49.10 53.58 3.87 74.35

**STATE TOTAL** 160,424 157,420 44.98 45.78 100.00 100.00. .

Virginia 1 176 STATE FARM GRP 344,328 326,575 53.95 55.11 22.17 22.172 200 UNITED SERV AUTOMOBILE ASSN GRP 193,602 181,226 50.24 51.14 12.46 34.633 3548 TRAVELERS GRP 182,160 177,150 28.36 28.70 11.73 46.364 8 ALLSTATE INS GRP 179,543 181,023 46.49 47.22 11.56 57.925 140 NATIONWIDE CORP GRP 174,458 171,374 41.53 41.92 11.23 69.156 213 ERIE INS GRP 68,049 65,529 52.30 54.96 4.38 73.537 111 LIBERTY MUT GRP 61,137 57,530 49.20 49.64 3.94 77.478 203 VIRGINIA FARM BUREAU GRP 54,875 55,044 45.62 46.36 3.53 81.009 212 ZURICH INS GRP 53,941 52,725 101.91 110.68 3.47 84.4810 38 CHUBB & SON INC GRP 28,824 29,548 57.68 56.49 1.86 86.33

**STATE TOTAL** 1,553,223 1,501,022 48.65 49.79 100.00 100.00. .

Washington 1 176 STATE FARM GRP 225,958 216,898 64.76 67.16 17.98 17.982 212 ZURICH INS GRP 211,514 207,560 68.22 70.73 16.83 34.813 8 ALLSTATE INS GRP 152,647 150,590 53.41 56.33 12.15 46.964 111 LIBERTY MUT GRP 142,817 138,606 57.61 58.55 11.36 58.325 200 UNITED SERV AUTOMOBILE ASSN GRP 80,356 74,410 57.99 59.28 6.39 64.716 157 PUBLIC EMPLOYEES GRP 77,809 79,959 49.50 51.34 6.19 70.917 333 MUTUAL OF ENUMCLAW GRP 50,891 49,369 65.03 69.48 4.05 74.958 91 HARTFORD FIRE & CAS GRP 40,796 39,066 69.27 71.99 3.25 78.209 241 METROPOLITAN GRP 31,187 31,010 61.52 62.36 2.48 80.6810 140 NATIONWIDE CORP GRP 26,820 27,461 62.64 63.75 2.13 82.82

**STATE TOTAL** 1,256,747 1,222,119 60.46 62.60 100.00 100.00. .

West Virginia 1 176 STATE FARM GRP 83,516 80,990 64.66 66.11 25.72 25.722 140 NATIONWIDE CORP GRP 59,792 59,378 68.13 69.11 18.42 44.143 213 ERIE INS GRP 38,073 37,114 69.64 73.15 11.73 55.874 8 ALLSTATE INS GRP 30,906 30,737 84.42 86.62 9.52 65.395 228 WESTFIELD GRP 14,945 14,361 75.26 77.23 4.60 69.996 111 LIBERTY MUT GRP 13,151 12,754 59.38 60.73 4.05 74.047 4339 FARMERS & MECHANICS MUT GRP 9,655 9,846 46.88 47.55 2.97 77.028 200 UNITED SERV AUTOMOBILE ASSN GRP 8,198 7,619 83.51 85.05 2.53 79.549 11003 WVA INS CO 7,947 8,008 60.23 62.03 2.45 81.99




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 14656 MUNICIPAL MUT INS CO 7,786 7,909 67.45 67.82 2.40 84.39**STATE TOTAL** 324,657 317,946 68.68 70.35 100.00 100.00


2 176 STATE FARM GRP 155,527 147,472 51.06 52.10 16.36 39.893 8 ALLSTATE INS GRP 41,763 41,248 47.39 48.83 4.39 44.294 212 ZURICH INS GRP 40,685 39,330 51.73 53.47 4.28 48.575 14184 ACUITY A MUT INS CO 36,352 35,032 61.55 61.90 3.82 52.396 1243 WEST BEND MUT GRP 31,288 29,061 60.64 61.17 3.29 55.687 280 AUTO OWNERS GRP 28,598 26,840 57.62 58.30 3.01 58.698 111 LIBERTY MUT GRP 25,629 24,471 72.44 73.89 2.70 61.389 796 QBE INS GRP 24,199 25,594 35.97 37.25 2.55 63.9310 3548 TRAVELERS GRP 18,172 17,102 46.58 47.30 1.91 65.84

**STATE TOTAL** 950,779 916,037 55.60 56.62 100.00 100.00. .

Wyoming 1 176 STATE FARM GRP 30,456 29,093 65.34 66.27 24.11 24.112 212 ZURICH INS GRP 27,356 26,073 60.64 61.42 21.65 45.763 4683 MOUNTAIN WEST FARM GRP 14,654 13,914 70.31 71.18 11.60 57.364 111 LIBERTY MUT GRP 12,018 11,757 54.64 55.18 9.51 66.875 140 NATIONWIDE CORP GRP 8,493 8,493 69.73 70.57 6.72 73.596 8 ALLSTATE INS GRP 6,073 5,856 58.36 59.23 4.81 78.407 91 HARTFORD FIRE & CAS GRP 5,633 5,573 78.43 78.50 4.46 82.868 200 UNITED SERV AUTOMOBILE ASSN GRP 4,571 4,340 46.29 46.81 3.62 86.479 38 CHUBB & SON INC GRP 3,607 3,549 30.59 30.47 2.86 89.3310 761 ALLIANZ INS GRP 2,072 1,962 23.17 23.18 1.64 90.97

**STATE TOTAL** 126,344 121,528 60.64 61.32 100.00 100.00. .

American Samoa **STATE TOTAL** 1 1 -4.76 -4.60 100.00 100.00. .

Guam 1 13597 CHUNG KUO INS CO LTD 4,935 4,856 7.33 8.14 52.43 52.432 10972 FIRST NET INS CO 1,777 1,619 0.35 0.63 18.87 71.303 4672 DONGBU INS GRP 1,734 1,803 -3.24 -3.90 18.42 89.724 200 UNITED SERV AUTOMOBILE ASSN GRP 685 672 10.19 10.43 7.28 97.00

**STATE TOTAL** 9,414 9,239 2.95 3.25 100.00 100.00. .

Puerto Rico 1 71 UNIVERSAL INS CO GRP 25,523 25,341 39.65 39.65 51.30 51.302 411 MAPFRE INS GRP 13,176 13,252 31.02 32.33 26.49 77.793 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 8,948 9,181 29.20 32.60 17.99 95.774 12 AMERICAN INTL GRP 861 914 3.48 -13.53 1.73 97.505 10308 ANTILLES INS CO 753 670 27.98 29.43 1.51 99.026 343 NATIONAL INS CO GRP 144 149 74.94 87.94 0.29 99.317 200 UNITED SERV AUTOMOBILE ASSN GRP 141 144 24.05 24.62 0.28 99.598 26778 INTEGRAND ASSUR CO 133 164 6.90 12.31 0.27 99.86

**STATE TOTAL** 49,750 49,893 34.56 35.30 100.00 100.00. .

U.S. Virgin Islands 1 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 11,090 11,007 -4.53 -4.24 76.36 76.362 17779 GUARDIAN INS CO INC 1,622 1,482 -1.83 -1.83 11.17 87.523 161 TOPA EQUITIES LTD GRP 861 822 18.67 18.78 5.93 93.454 212 ZURICH INS GRP 632 458 -1.83 -2.28 4.35 97.805 12 AMERICAN INTL GRP 167 167 18.00 19.62 1.15 98.95

**STATE TOTAL** 14,524 14,085 -2.12 -1.85 100.00 100.00. .

N. Mariana Islands 1 10972 FIRST NET INS CO 77 78 0.00 0.00 39.27 39.272 4672 DONGBU INS GRP 74 77 -0.39 -0.54 37.63 76.893 18380 PACIFIC IND INS CO 44 48 32.18 32.18 22.49 99.38

**STATE TOTAL** 196 204 7.34 7.28 100.00 100.00. .

Canada **STATE TOTAL** 351,880 334,346 68.15 69.78 100.00 100.00. .

Aggregate Other Alien 1 12 AMERICAN INTL GRP 271,755 127,882 33.39 46.56 89.10 89.102 306 CUNA MUT GRP 24,915 20,585 55.37 62.56 8.17 97.273 38 CHUBB & SON INC GRP 7,521 5,990 10.57 10.52 2.47 99.74

**STATE TOTAL** 304,995 155,762 36.18 49.63 100.00 100.00


05.1, 05.2— Total Commercial Multiple Peril



States, U.S. Territories, Canada, and Aggregate Other Alien05-Total Commercial Multi-Peril



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 3548 TRAVELERS GRP 3,020,229 2,983,617 35.68 40.45 8.88 8.882 212 ZURICH INS GRP 2,408,608 2,562,263 38.44 45.51 7.08 15.973 111 LIBERTY MUT GRP 2,220,102 2,234,935 48.82 55.10 6.53 22.504 91 HARTFORD FIRE & CAS GRP 1,810,444 1,872,663 38.99 48.72 5.32 27.825 38 CHUBB & SON INC GRP 1,625,901 1,674,983 31.75 31.74 4.78 32.606 176 STATE FARM GRP 1,606,023 1,616,893 50.27 59.09 4.72 37.337 140 NATIONWIDE CORP GRP 1,453,046 1,501,645 58.72 65.82 4.27 41.608 677 PHILADELPHIA CONSOLIDATED HOLDING GR 1,095,209 1,056,144 36.21 42.31 3.22 44.829 761 ALLIANZ INS GRP 1,054,443 1,061,612 53.45 56.85 3.10 47.9210 218 CNA INS GRP 993,743 1,018,794 46.63 52.09 2.92 50.8511 244 CINCINNATI FIN GRP 856,226 851,962 49.82 59.22 2.52 53.3612 796 QBE INS GRP 845,881 820,030 48.43 57.87 2.49 55.8513 8 ALLSTATE INS GRP 669,113 652,591 61.01 65.13 1.97 57.8214 280 AUTO OWNERS GRP 634,993 636,167 48.13 52.11 1.87 59.6915 12 AMERICAN INTL GRP 597,133 532,954 32.17 40.55 1.76 61.4416 98 WR BERKLEY CORP GRP 533,921 547,979 44.40 51.93 1.57 63.0117 213 ERIE INS GRP 498,575 490,555 61.57 74.07 1.47 64.4818 626 ACE LTD GRP 474,942 490,950 35.94 48.51 1.40 65.8819 88 THE HANOVER INS GRP 462,915 449,535 44.40 51.68 1.36 67.2420 253 HARLEYSVILLE GRP 427,998 432,901 54.59 61.96 1.26 68.5021 18767 CHURCH MUT INS CO 412,412 408,582 72.17 73.10 1.21 69.7122 473 AMERICAN FAMILY INS GRP 373,216 383,140 60.36 65.91 1.10 70.8123 3703 TOWER GRP 363,075 351,358 41.33 36.49 1.07 71.8824 1129 WHITE MOUNTAINS GRP 344,750 361,775 33.11 43.74 1.01 72.8925 228 WESTFIELD GRP 299,738 292,241 53.02 62.51 0.88 73.7726 303 GUIDEONE INS GRP 271,355 277,273 39.88 45.24 0.80 74.5727 222 GREATER NY GRP 266,707 264,000 41.60 48.42 0.78 75.3528 361 MUNICH RE GRP 266,301 253,217 37.64 48.61 0.78 76.1429 311 MAIN STREET AMER GRP 261,643 260,956 41.12 47.22 0.77 76.9130 84 AMERICAN FINANCIAL GRP 260,886 264,048 43.38 55.18 0.77 77.6731 457 ARGONAUT GRP 213,345 221,390 54.63 64.33 0.63 78.3032 34215 NUCLEAR ELECTRIC INS LTD 178,648 179,865 130.08 131.16 0.53 78.8333 201 UTICA GRP 173,440 178,420 40.23 50.08 0.51 79.3434 50 COUNTRY INS & FIN SERV GRP 166,256 165,815 51.36 54.71 0.49 79.8335 12968 AMERICAN COASTAL INS CO 162,907 126,740 2.09 2.22 0.48 80.3136 1120 EVEREST REINS HOLDINGS GRP 158,653 149,566 65.46 93.77 0.47 80.7737 13528 BROTHERHOOD MUT INS CO 151,742 149,862 61.21 64.37 0.45 81.2238 785 MARKEL CORP GRP 134,049 142,392 44.93 51.92 0.39 81.6139 175 STATE AUTO MUT GRP 128,297 126,766 44.83 52.44 0.38 81.9940 158 FAIRFAX FIN GRP 124,957 116,084 20.88 36.10 0.37 82.3641 36 CENTRAL MUT INS CO GRP 123,268 120,679 49.63 53.52 0.36 82.7242 802 CAPITAL INS GRP 116,388 113,033 46.93 56.20 0.34 83.0643 124 AMERISURE CO GRP 102,325 104,777 44.31 86.59 0.30 83.3644 267 GRANGE MUT CAS GRP 102,163 102,689 56.49 65.19 0.30 83.6645 853 PUBLIC SERV GRP 99,152 100,627 54.86 63.57 0.29 83.9646 748 MEADOWBROOK INS GRP 98,313 96,150 56.13 67.44 0.29 84.2447 1114 MERCER INS GRP 93,490 96,950 42.07 60.54 0.27 84.5248 920 UNITED AMER IND GRP 92,818 105,315 79.89 84.42 0.27 84.7949 807 COLUMBIA INS GRP 90,704 90,128 58.43 66.56 0.27 85.0650 2978 MITSUI SUMITOMO INS GRP 87,507 84,791 26.37 29.64 0.26 85.3251 1309 FRANKENMUTH GRP 80,192 77,898 75.33 81.03 0.24 85.5552 1279 ARCH INS GRP 79,908 82,348 46.10 50.93 0.24 85.7953 234 VERMONT MUT GRP 78,645 80,084 28.97 31.91 0.23 86.0254 226 MERCHANTS MUT GRP 77,488 74,333 33.08 51.61 0.23 86.2555 291 MOTORISTS MUT GRP 77,464 75,544 72.22 77.34 0.23 86.4756 7 FEDERATED MUT GRP 76,072 81,479 38.60 41.95 0.22 86.7057 15326 UTICA FIRST INS CO 75,840 76,624 43.46 57.88 0.22 86.9258 14184 ACUITY A MUT INS CO 75,764 75,445 63.64 70.89 0.22 87.1459 40568 TRIPLE S PROPIEDAD INC 74,909 76,036 22.76 26.78 0.22 87.3660 411 MAPFRE INS GRP 74,437 77,345 27.03 32.93 0.22 87.5861 22 ANDOVER GRP 73,846 80,085 31.76 37.25 0.22 87.8062 3219 SOMPO JAPAN INS GRP 73,609 75,971 5.63 7.41 0.22 88.0263 242 SELECTIVE INS GRP 69,533 67,042 69.48 77.20 0.20 88.2264 65 FM GLOBAL GRP 69,064 70,399 35.73 37.97 0.20 88.4265 9 JPMORGAN CHASE & CO GRP 68,689 70,122 39.07 42.00 0.20 88.63




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 501 ALLEGHANY GRP 68,587 69,402 41.12 48.00 0.20 88.8367 150 OLD REPUBLIC GRP 67,819 71,063 48.85 73.97 0.20 89.0368 3489 DELEK GRP 67,506 63,371 32.95 45.07 0.20 89.2369 14508 MICHIGAN MILLERS MUT INS CO 67,366 73,712 76.10 83.57 0.20 89.4270 31 BERKSHIRE HATHAWAY GRP 64,972 115,541 17.25 14.59 0.19 89.6271 474 FCCI MUT INS GRP 63,557 66,705 31.76 49.36 0.19 89.8072 306 CUNA MUT GRP 63,022 63,109 22.60 29.22 0.19 89.9973 153 PEKIN INS GRP 61,297 59,656 53.28 56.44 0.18 90.1774 447 HARFORD GRP 60,656 58,233 50.38 55.22 0.18 90.3575 71 UNIVERSAL INS CO GRP 60,246 60,326 28.82 31.21 0.18 90.5276 96 SECURA INS GRP 60,192 58,975 42.80 49.23 0.18 90.7077 250 DONEGAL GRP 58,279 59,499 54.32 61.79 0.17 90.8778 93 STATE NATL GRP 57,743 59,749 61.05 75.35 0.17 91.0479 181 SWISS RE GRP 54,268 52,765 64.66 78.46 0.16 91.2080 15261 SOCIETY INS 54,251 51,118 48.15 53.88 0.16 91.3681 4575 FLEXPOINT FUND GRP 51,448 46,605 9.35 8.73 0.15 91.5182 3478 HALLMARK FIN SERV GRP 51,376 53,253 47.46 55.28 0.15 91.6683 1331 GLENCOE US HOLDINGS GRP 48,568 45,945 44.07 53.23 0.14 91.8184 62 EMC INS CO GRP 48,384 44,235 53.53 55.63 0.14 91.9585 109 KENTUCKY FARM BUREAU GRP 47,546 46,127 97.37 99.46 0.14 92.0986 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 46,681 50,164 24.41 29.51 0.14 92.2387 14575 MILLERS CAPITAL INS CO 45,846 45,915 52.51 55.56 0.13 92.3688 408 AMERICAN NATL FIN GRP 45,778 46,776 72.38 85.83 0.13 92.5089 14176 HASTINGS MUT INS CO 44,309 44,275 48.66 59.04 0.13 92.6390 37800 LEADING INS GRP INS CO LTD 41,683 36,105 41.34 49.40 0.12 92.7591 3098 TOKIO MARINE HOLDINGS INC GRP 40,368 43,957 -22.23 -21.17 0.12 92.8792 518 GRINNELL MUT GRP 39,633 39,004 47.98 52.15 0.12 92.9893 513 IOWA FARM BUREAU GRP 39,615 37,956 54.85 56.16 0.12 93.1094 17710 ALABAMA MUNICIPAL INS CORP 39,237 39,431 40.11 65.45 0.12 93.2295 661 BCBS OF SC GRP 38,802 31,599 30.36 36.53 0.11 93.3396 14010 CRUSADER INS CO 38,169 39,262 26.12 42.93 0.11 93.4497 775 PHARMACISTS MUT GRP 38,003 38,140 62.80 72.77 0.11 93.5598 660 MERCURY GEN GRP 37,897 37,068 45.40 52.25 0.11 93.6799 645 OREGON MUT GRP 37,087 36,595 62.00 68.19 0.11 93.77100 37206 CONTRACTORS BONDING & INS CO 36,402 40,988 30.36 40.55 0.11 93.88101 343 NATIONAL INS CO GRP 35,673 34,886 -0.21 5.87 0.10 93.99102 26778 INTEGRAND ASSUR CO 34,998 35,054 23.30 31.43 0.10 94.09103 333 MUTUAL OF ENUMCLAW GRP 34,729 34,887 44.57 43.84 0.10 94.19104 984 HCC INS HOLDINGS GRP 34,167 28,556 52.12 55.08 0.10 94.29105 4359 HOUSING AUTHORITY PROP GRP 33,948 30,631 59.55 59.55 0.10 94.39106 271 PENNSYLVANIA NATL INS GRP 33,269 32,326 48.58 54.65 0.10 94.49107 1275 QUINCY MUT GRP 33,040 37,970 29.84 31.10 0.10 94.59108 23574 MIDWEST FAMILY MUT INS CO 32,449 32,214 66.34 73.11 0.10 94.68109 10541 AGRINATIONAL INS CO 32,288 29,586 17.77 21.11 0.09 94.78110 15024 PREFERRED MUT INS CO 30,973 30,500 39.91 49.69 0.09 94.87111 4675 MUTUAL INSURERS HOLDING GRP 30,899 30,988 27.10 41.01 0.09 94.96112 5 ALFA INS GRP 30,039 30,085 66.81 68.98 0.09 95.05113 1243 WEST BEND MUT GRP 29,852 39,342 55.13 58.96 0.09 95.14114 195 UNION MUTUAL FIRE INS GRP 29,799 29,317 45.42 47.77 0.09 95.22115 689 BANKERS INS GRP 29,677 25,781 20.49 21.16 0.09 95.31116 144 NORFOLK & DEDHAM GRP 29,457 29,281 19.08 19.02 0.09 95.40117 13420 BADGER MUT INS CO 28,768 30,032 53.44 61.01 0.08 95.48118 762 FRANKLIN MUT GRP 26,537 25,719 17.22 22.26 0.08 95.56119 123 SHELTER INS GRP 26,447 26,171 61.66 62.46 0.08 95.64120 248 UNITED FIRE & CAS GRP 26,193 26,921 75.19 78.04 0.08 95.71121 542 INDIANA FARM BUREAU GRP 25,886 26,309 63.68 64.35 0.08 95.79122 866 WESTERN WORLD GRP 25,472 25,167 32.30 38.04 0.07 95.87123 4381 LIGHTYEAR DELOS GRP 24,946 24,802 8.00 20.91 0.07 95.94124 225 IAT REINS CO GRP 24,701 24,072 60.63 74.33 0.07 96.01125 26468 SOUTHERN MUT CHURCH INS CO 24,132 23,503 51.99 52.61 0.07 96.08

**INDUSTRY TOTAL** 34,000,335 34,209,325 45.05 51.89 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 3548 TRAVELERS GRP 49,433 49,683 21.40 24.31 9.35 9.352 17710 ALABAMA MUNICIPAL INS CORP 39,237 39,431 40.11 65.45 7.42 16.773 280 AUTO OWNERS GRP 38,130 38,728 58.18 67.18 7.21 23.994 212 ZURICH INS GRP 36,291 37,201 30.53 22.62 6.87 30.855 176 STATE FARM GRP 30,928 31,661 60.42 64.35 5.85 36.706 796 QBE INS GRP 28,150 26,314 67.24 84.89 5.33 42.037 244 CINCINNATI FIN GRP 28,058 27,254 28.73 39.88 5.31 47.338 140 NATIONWIDE CORP GRP 21,814 22,859 61.67 68.09 4.13 51.469 5 ALFA INS GRP 21,810 21,797 80.19 82.48 4.13 55.5910 91 HARTFORD FIRE & CAS GRP 18,340 18,201 22.41 36.15 3.47 59.06

**STATE TOTAL** 528,630 529,487 51.78 58.92 100.00 100.00. .

Alaska 1 111 LIBERTY MUT GRP 16,318 17,260 175.27 182.78 14.91 14.912 761 ALLIANZ INS GRP 14,698 14,435 20.42 22.71 13.43 28.333 176 STATE FARM GRP 12,321 12,162 35.48 40.14 11.26 39.594 8 ALLSTATE INS GRP 9,351 8,847 43.63 45.72 8.54 48.135 38733 ALASKA NATL INS CO 8,969 9,436 -30.41 -34.96 8.19 56.326 40126 UMIALIK INS CO 7,751 7,979 32.93 39.23 7.08 63.407 38 CHUBB & SON INC GRP 5,033 4,753 57.18 59.93 4.60 68.008 12 AMERICAN INTL GRP 4,944 4,756 13.05 18.67 4.52 72.529 212 ZURICH INS GRP 3,712 4,839 30.61 26.22 3.39 75.9110 920 UNITED AMER IND GRP 3,199 4,286 36.18 42.24 2.92 78.83

**STATE TOTAL** 109,471 111,608 44.29 48.24 100.00 100.00. .

Arizona 1 212 ZURICH INS GRP 68,429 74,701 26.27 28.95 13.12 13.122 3548 TRAVELERS GRP 45,525 44,166 21.16 27.48 8.73 21.843 111 LIBERTY MUT GRP 31,293 30,915 46.22 47.21 6.00 27.844 91 HARTFORD FIRE & CAS GRP 30,807 33,050 36.21 36.24 5.91 33.755 761 ALLIANZ INS GRP 27,309 27,218 41.40 42.86 5.23 38.986 218 CNA INS GRP 24,841 25,391 55.36 57.01 4.76 43.757 280 AUTO OWNERS GRP 24,062 25,855 -16.40 -52.08 4.61 48.368 140 NATIONWIDE CORP GRP 24,043 26,520 51.14 62.04 4.61 52.979 176 STATE FARM GRP 22,673 23,255 55.03 66.42 4.35 57.3110 8 ALLSTATE INS GRP 22,284 22,108 39.83 41.13 4.27 61.58

**STATE TOTAL** 521,665 537,369 33.90 36.86 100.00 100.00. .

Arkansas 1 3548 TRAVELERS GRP 24,550 23,758 67.08 69.94 9.28 9.282 212 ZURICH INS GRP 23,051 23,285 55.20 62.27 8.71 17.993 244 CINCINNATI FIN GRP 15,116 15,260 55.11 61.63 5.71 23.704 140 NATIONWIDE CORP GRP 13,218 14,028 75.86 80.43 5.00 28.705 176 STATE FARM GRP 12,355 12,237 50.15 53.40 4.67 33.376 218 CNA INS GRP 11,620 11,721 44.46 66.61 4.39 37.767 677 PHILADELPHIA CONSOLIDATED HOLDING GR 10,690 10,311 45.91 51.02 4.04 41.808 807 COLUMBIA INS GRP 9,875 10,081 42.75 46.21 3.73 45.539 98 WR BERKLEY CORP GRP 8,572 8,653 65.61 68.94 3.24 48.7710 111 LIBERTY MUT GRP 8,209 8,967 51.88 62.20 3.10 51.88

**STATE TOTAL** 264,588 261,725 58.31 63.67 100.00 100.00. .

California 1 212 ZURICH INS GRP 694,527 721,406 31.12 42.11 16.09 16.092 3548 TRAVELERS GRP 406,305 389,391 19.05 28.08 9.41 25.503 176 STATE FARM GRP 353,565 353,775 27.25 36.76 8.19 33.704 111 LIBERTY MUT GRP 317,340 320,560 34.50 38.47 7.35 41.055 91 HARTFORD FIRE & CAS GRP 312,556 331,291 33.53 46.86 7.24 48.296 761 ALLIANZ INS GRP 283,095 292,048 37.74 41.49 6.56 54.857 140 NATIONWIDE CORP GRP 267,191 275,030 37.63 45.34 6.19 61.048 38 CHUBB & SON INC GRP 228,728 234,357 40.31 36.30 5.30 66.349 677 PHILADELPHIA CONSOLIDATED HOLDING GR 142,158 134,908 23.06 28.92 3.29 69.6310 8 ALLSTATE INS GRP 137,982 144,294 31.07 36.80 3.20 72.83

**STATE TOTAL** 4,316,198 4,399,987 32.45 41.95 100.00 100.00. .

Colorado 1 3548 TRAVELERS GRP 89,043 88,361 90.88 101.92 14.88 14.882 473 AMERICAN FAMILY INS GRP 58,472 60,458 80.76 84.01 9.77 24.653 212 ZURICH INS GRP 57,072 58,654 64.74 65.02 9.54 34.194 91 HARTFORD FIRE & CAS GRP 45,450 48,110 94.32 98.47 7.59 41.785 111 LIBERTY MUT GRP 39,008 37,965 53.65 63.61 6.52 48.30




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 176 STATE FARM GRP 34,327 34,105 58.19 68.25 5.74 54.037 140 NATIONWIDE CORP GRP 26,404 27,710 54.08 59.45 4.41 58.448 761 ALLIANZ INS GRP 25,136 25,052 121.78 125.93 4.20 62.659 677 PHILADELPHIA CONSOLIDATED HOLDING GR 24,642 23,305 80.24 85.57 4.12 66.7610 38 CHUBB & SON INC GRP 24,586 24,667 26.61 29.81 4.11 70.87

**STATE TOTAL** 598,470 605,440 85.13 93.35 100.00 100.00. .

Connecticut 1 3548 TRAVELERS GRP 70,344 71,323 33.44 37.64 13.54 13.542 91 HARTFORD FIRE & CAS GRP 66,104 70,562 21.29 26.32 12.72 26.263 111 LIBERTY MUT GRP 59,926 55,968 51.35 55.97 11.53 37.794 38 CHUBB & SON INC GRP 29,890 29,218 32.81 34.25 5.75 43.545 677 PHILADELPHIA CONSOLIDATED HOLDING GR 27,278 27,087 31.61 35.56 5.25 48.796 796 QBE INS GRP 18,555 17,985 43.42 51.43 3.57 52.367 1129 WHITE MOUNTAINS GRP 17,389 18,923 32.91 38.34 3.35 55.718 311 MAIN STREET AMER GRP 16,695 16,651 37.27 41.68 3.21 58.929 212 ZURICH INS GRP 16,568 18,589 10.85 2.87 3.19 62.1110 218 CNA INS GRP 16,497 17,524 82.58 81.72 3.17 65.28

**STATE TOTAL** 519,668 524,188 36.77 40.78 100.00 100.00. .

Delaware 1 34215 NUCLEAR ELECTRIC INS LTD 178,648 179,865 130.08 131.16 65.78 65.782 3548 TRAVELERS GRP 10,591 11,013 11.38 13.98 3.90 69.683 111 LIBERTY MUT GRP 5,568 5,604 32.83 32.09 2.05 71.734 91 HARTFORD FIRE & CAS GRP 4,905 5,239 83.05 114.61 1.81 73.545 250 DONEGAL GRP 4,831 4,662 21.46 20.97 1.78 75.316 140 NATIONWIDE CORP GRP 4,569 4,735 97.48 103.53 1.68 77.007 212 ZURICH INS GRP 4,280 4,359 20.57 33.42 1.58 78.578 176 STATE FARM GRP 4,086 4,439 26.99 33.78 1.50 80.089 677 PHILADELPHIA CONSOLIDATED HOLDING GR 3,813 3,764 35.70 28.45 1.40 81.4810 253 HARLEYSVILLE GRP 3,765 3,935 24.33 24.31 1.39 82.87

**STATE TOTAL** 271,587 274,175 99.35 103.55 100.00 100.00. .

District of Columbia 1 3548 TRAVELERS GRP 37,199 36,941 53.87 59.30 26.78 26.782 91 HARTFORD FIRE & CAS GRP 20,414 21,502 43.89 52.50 14.69 41.473 38 CHUBB & SON INC GRP 15,694 15,791 21.97 22.23 11.30 52.774 447 HARFORD GRP 6,802 7,036 16.65 20.48 4.90 57.675 213 ERIE INS GRP 5,623 5,334 61.96 74.44 4.05 61.716 677 PHILADELPHIA CONSOLIDATED HOLDING GR 5,365 5,164 35.28 41.21 3.86 65.587 176 STATE FARM GRP 5,094 5,090 40.63 43.62 3.67 69.248 761 ALLIANZ INS GRP 4,363 4,739 21.72 22.61 3.14 72.389 140 NATIONWIDE CORP GRP 3,533 3,556 14.28 16.75 2.54 74.9310 218 CNA INS GRP 3,143 3,133 59.63 71.83 2.26 77.19

**STATE TOTAL** 138,917 139,250 35.63 40.48 100.00 100.00. .

Florida 1 212 ZURICH INS GRP 267,948 302,279 11.62 13.32 13.56 13.562 12968 AMERICAN COASTAL INS CO 162,907 126,740 2.09 2.22 8.24 21.803 796 QBE INS GRP 130,616 130,513 38.17 51.57 6.61 28.414 140 NATIONWIDE CORP GRP 99,584 101,937 39.22 49.05 5.04 33.455 3548 TRAVELERS GRP 92,339 99,426 0.62 3.82 4.67 38.126 38 CHUBB & SON INC GRP 82,399 102,039 22.15 23.50 4.17 42.297 111 LIBERTY MUT GRP 81,595 82,159 21.95 23.90 4.13 46.428 176 STATE FARM GRP 76,096 87,123 49.06 59.56 3.85 50.279 761 ALLIANZ INS GRP 75,698 72,387 22.43 22.83 3.83 54.1010 311 MAIN STREET AMER GRP 73,080 72,678 26.23 29.98 3.70 57.79

**STATE TOTAL** 1,976,445 2,012,933 25.60 32.53 100.00 100.00. .

Georgia 1 3548 TRAVELERS GRP 79,507 77,670 32.76 38.41 9.72 9.722 280 AUTO OWNERS GRP 53,161 53,960 63.52 68.83 6.50 16.223 176 STATE FARM GRP 48,974 50,085 82.45 92.60 5.99 22.204 91 HARTFORD FIRE & CAS GRP 41,407 42,988 29.82 31.44 5.06 27.265 111 LIBERTY MUT GRP 40,242 30,581 58.90 63.67 4.92 32.186 38 CHUBB & SON INC GRP 36,983 38,012 41.97 47.27 4.52 36.707 212 ZURICH INS GRP 35,363 40,429 37.01 34.45 4.32 41.028 140 NATIONWIDE CORP GRP 35,046 37,059 66.52 73.08 4.28 45.319 244 CINCINNATI FIN GRP 34,823 34,411 80.85 90.94 4.26 49.5610 8 ALLSTATE INS GRP 31,380 30,181 119.92 122.81 3.84 53.40




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 818,167 811,843 70.36 76.54 100.00 100.00. .

Hawaii 1 761 ALLIANZ INS GRP 45,299 47,066 17.97 17.05 31.34 31.342 218 CNA INS GRP 43,318 42,198 14.87 13.37 29.97 61.313 176 STATE FARM GRP 12,686 12,649 16.32 26.42 8.78 70.094 106 ISLAND INS CO GRP 10,882 10,924 23.34 30.04 7.53 77.625 677 PHILADELPHIA CONSOLIDATED HOLDING GR 5,039 5,753 2.10 0.77 3.49 81.116 4672 DONGBU INS GRP 4,053 2,744 8.10 14.19 2.80 83.917 2978 MITSUI SUMITOMO INS GRP 3,488 3,909 1.49 0.70 2.41 86.328 158 FAIRFAX FIN GRP 3,035 3,317 -22.34 -36.48 2.10 88.429 140 NATIONWIDE CORP GRP 2,787 3,098 -14.37 -15.99 1.93 90.3510 111 LIBERTY MUT GRP 1,775 2,425 41.23 45.81 1.23 91.58

**STATE TOTAL** 144,531 147,747 11.05 11.67 100.00 100.00. .

Idaho 1 36480 IDAHO COUNTIES RISK MGMT PROGRAM 16,968 17,955 62.39 89.25 10.08 10.082 842 FARM BUREAU GRP 15,411 16,786 42.57 54.67 9.15 19.233 111 LIBERTY MUT GRP 14,885 14,478 -19.57 -12.85 8.84 28.074 212 ZURICH INS GRP 13,367 13,861 46.12 57.47 7.94 36.015 3548 TRAVELERS GRP 11,814 11,340 8.18 7.42 7.02 43.026 218 CNA INS GRP 9,811 9,914 32.71 35.16 5.83 48.857 244 CINCINNATI FIN GRP 9,350 9,044 18.44 29.88 5.55 54.408 140 NATIONWIDE CORP GRP 8,978 8,737 42.25 50.47 5.33 59.749 3478 HALLMARK FIN SERV GRP 5,653 6,175 45.94 54.27 3.36 63.0910 176 STATE FARM GRP 4,849 4,926 35.03 37.64 2.88 65.97

**STATE TOTAL** 168,380 170,694 30.89 39.45 100.00 100.00. .

Illinois 1 3548 TRAVELERS GRP 136,666 131,148 32.21 38.12 9.48 9.482 176 STATE FARM GRP 101,350 100,147 63.56 70.50 7.03 16.523 111 LIBERTY MUT GRP 83,389 84,857 25.15 19.89 5.79 22.304 91 HARTFORD FIRE & CAS GRP 79,242 80,623 47.44 61.78 5.50 27.805 212 ZURICH INS GRP 78,209 83,408 50.16 55.40 5.43 33.236 244 CINCINNATI FIN GRP 68,418 69,717 49.26 70.14 4.75 37.977 38 CHUBB & SON INC GRP 67,211 68,983 31.13 35.39 4.66 42.648 473 AMERICAN FAMILY INS GRP 52,615 55,268 62.07 73.11 3.65 46.299 8 ALLSTATE INS GRP 48,439 48,173 51.11 53.05 3.36 49.6510 50 COUNTRY INS & FIN SERV GRP 44,581 43,415 54.23 57.47 3.09 52.74

**STATE TOTAL** 1,441,208 1,446,215 54.37 62.55 100.00 100.00. .

Indiana 1 111 LIBERTY MUT GRP 73,216 76,165 60.70 61.83 10.84 10.842 244 CINCINNATI FIN GRP 55,713 56,096 55.09 63.19 8.25 19.083 3548 TRAVELERS GRP 49,749 49,244 41.53 43.76 7.36 26.454 280 AUTO OWNERS GRP 43,086 42,842 59.84 68.10 6.38 32.825 38 CHUBB & SON INC GRP 27,290 29,313 58.01 55.96 4.04 36.866 542 INDIANA FARM BUREAU GRP 25,848 26,269 63.75 64.39 3.83 40.697 12 AMERICAN INTL GRP 25,673 13,751 10.49 11.49 3.80 44.498 176 STATE FARM GRP 24,187 24,414 80.36 87.69 3.58 48.079 212 ZURICH INS GRP 20,683 23,129 48.88 61.60 3.06 51.1310 213 ERIE INS GRP 19,599 18,976 96.45 124.03 2.90 54.03

**STATE TOTAL** 675,644 671,549 57.72 64.97 100.00 100.00. .

Iowa 1 140 NATIONWIDE CORP GRP 38,556 38,487 76.82 79.07 13.26 13.262 244 CINCINNATI FIN GRP 22,672 22,932 38.47 44.10 7.80 21.063 176 STATE FARM GRP 21,635 21,004 66.30 76.33 7.44 28.514 3548 TRAVELERS GRP 17,317 16,688 109.17 112.52 5.96 34.465 98 WR BERKLEY CORP GRP 15,227 15,446 41.46 46.74 5.24 39.706 280 AUTO OWNERS GRP 12,425 12,394 48.07 54.62 4.27 43.987 38 CHUBB & SON INC GRP 12,407 12,979 3.53 -1.18 4.27 48.258 796 QBE INS GRP 10,650 10,342 60.18 68.51 3.66 51.919 518 GRINNELL MUT GRP 8,949 8,763 50.96 54.46 3.08 54.9910 111 LIBERTY MUT GRP 8,375 8,323 52.79 57.89 2.88 57.87

**STATE TOTAL** 290,680 288,617 55.59 59.50 100.00 100.00. .

Kansas 1 140 NATIONWIDE CORP GRP 31,538 31,743 70.51 73.52 10.00 10.002 212 ZURICH INS GRP 26,328 25,611 63.85 60.93 8.35 18.353 3548 TRAVELERS GRP 24,205 23,502 40.80 40.67 7.67 26.02




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 98 WR BERKLEY CORP GRP 21,233 21,987 90.45 97.68 6.73 32.755 176 STATE FARM GRP 19,533 19,334 71.98 78.89 6.19 38.946 91 HARTFORD FIRE & CAS GRP 18,453 18,391 53.15 65.29 5.85 44.797 111 LIBERTY MUT GRP 13,472 14,292 72.62 73.15 4.27 49.068 473 AMERICAN FAMILY INS GRP 12,922 12,966 60.84 62.93 4.10 53.169 244 CINCINNATI FIN GRP 12,628 12,191 54.25 60.48 4.00 57.1610 38 CHUBB & SON INC GRP 11,951 10,085 60.82 63.05 3.79 60.95

**STATE TOTAL** 315,424 307,822 77.96 82.35 100.00 100.00. .

Kentucky 1 111 LIBERTY MUT GRP 55,056 54,152 71.96 75.74 13.07 13.072 109 KENTUCKY FARM BUREAU GRP 47,546 46,127 97.37 99.46 11.29 24.363 3548 TRAVELERS GRP 31,129 30,251 35.47 40.22 7.39 31.754 244 CINCINNATI FIN GRP 30,538 29,997 54.07 60.89 7.25 39.005 38 CHUBB & SON INC GRP 23,868 23,629 50.23 54.11 5.67 44.666 280 AUTO OWNERS GRP 16,373 15,663 86.41 94.79 3.89 48.557 32727 UNDERWRITERS AT LLOYDS 15,681 17,416 47.81 51.66 3.72 52.278 267 GRANGE MUT CAS GRP 15,618 15,405 42.19 47.28 3.71 55.989 228 WESTFIELD GRP 14,704 14,619 58.84 66.06 3.49 59.4710 140 NATIONWIDE CORP GRP 12,601 12,901 102.28 108.28 2.99 62.46

**STATE TOTAL** 421,238 416,002 66.24 70.98 100.00 100.00. .

Louisiana 1 176 STATE FARM GRP 60,525 59,558 40.58 59.18 12.62 12.622 3548 TRAVELERS GRP 35,356 35,910 95.32 98.17 7.37 20.003 111 LIBERTY MUT GRP 33,976 34,610 167.36 168.03 7.09 27.084 212 ZURICH INS GRP 28,659 30,565 19.74 17.60 5.98 33.065 140 NATIONWIDE CORP GRP 25,384 23,667 -10.17 -3.75 5.29 38.366 218 CNA INS GRP 24,299 24,478 22.23 39.46 5.07 43.427 626 ACE LTD GRP 22,653 24,404 -140.92 -135.36 4.72 48.158 12 AMERICAN INTL GRP 22,527 18,079 2.95 12.28 4.70 52.859 761 ALLIANZ INS GRP 20,305 17,748 22.41 27.25 4.23 57.0810 457 ARGONAUT GRP 19,491 22,952 44.74 51.07 4.07 61.15

**STATE TOTAL** 479,461 469,328 29.21 35.79 100.00 100.00. .

Maine 1 111 LIBERTY MUT GRP 26,022 24,314 42.58 46.03 14.81 14.812 98 WR BERKLEY CORP GRP 23,934 22,594 40.00 49.22 13.62 28.433 1129 WHITE MOUNTAINS GRP 22,722 25,393 28.99 34.00 12.93 41.374 88 THE HANOVER INS GRP 20,749 20,430 88.61 95.25 11.81 53.185 15997 MMG INS CO 9,674 9,374 26.41 27.54 5.51 58.686 3548 TRAVELERS GRP 7,880 7,891 8.25 10.78 4.48 63.177 50 COUNTRY INS & FIN SERV GRP 7,362 8,024 67.90 75.32 4.19 67.368 677 PHILADELPHIA CONSOLIDATED HOLDING GR 6,081 6,362 26.20 31.05 3.46 70.829 234 VERMONT MUT GRP 5,787 5,868 22.50 23.44 3.29 74.1110 1309 FRANKENMUTH GRP 5,205 4,445 298.50 310.54 2.96 77.08

**STATE TOTAL** 175,690 177,631 58.38 65.61 100.00 100.00. .

Maryland 1 3548 TRAVELERS GRP 64,826 65,405 39.07 43.63 11.72 11.722 91 HARTFORD FIRE & CAS GRP 51,829 55,316 27.29 24.44 9.37 21.083 213 ERIE INS GRP 49,174 48,162 61.23 70.12 8.89 29.974 111 LIBERTY MUT GRP 32,301 32,564 53.37 58.60 5.84 35.815 176 STATE FARM GRP 29,525 29,612 50.02 54.91 5.34 41.156 140 NATIONWIDE CORP GRP 26,411 27,194 51.57 56.54 4.77 45.927 218 CNA INS GRP 22,408 23,043 36.85 66.62 4.05 49.978 447 HARFORD GRP 22,211 21,957 43.10 44.74 4.01 53.989 38 CHUBB & SON INC GRP 20,695 20,640 8.68 6.08 3.74 57.7310 677 PHILADELPHIA CONSOLIDATED HOLDING GR 16,243 16,161 24.06 28.89 2.94 60.66

**STATE TOTAL** 553,279 560,825 40.06 45.27 100.00 100.00. .

Massachusetts 1 3548 TRAVELERS GRP 143,560 143,563 10.44 13.72 15.64 15.642 111 LIBERTY MUT GRP 54,841 51,756 36.07 42.20 5.98 21.623 38 CHUBB & SON INC GRP 53,275 54,777 23.36 22.88 5.81 27.434 677 PHILADELPHIA CONSOLIDATED HOLDING GR 48,489 47,906 48.07 52.87 5.28 32.715 1129 WHITE MOUNTAINS GRP 45,679 50,422 24.89 33.63 4.98 37.696 91 HARTFORD FIRE & CAS GRP 42,886 44,629 35.59 44.16 4.67 42.367 88 THE HANOVER INS GRP 37,679 38,577 26.26 35.04 4.11 46.478 234 VERMONT MUT GRP 36,853 37,353 19.78 22.37 4.02 50.48




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 218 CNA INS GRP 30,321 31,930 43.15 46.37 3.30 53.7910 98 WR BERKLEY CORP GRP 30,224 31,938 5.33 5.16 3.29 57.08

**STATE TOTAL** 917,686 924,182 23.58 27.00 100.00 100.00. .

Michigan 1 280 AUTO OWNERS GRP 103,806 104,922 39.72 40.01 11.58 11.582 3548 TRAVELERS GRP 65,478 62,608 27.59 27.32 7.30 18.893 88 THE HANOVER INS GRP 64,055 64,182 46.70 55.22 7.15 26.034 244 CINCINNATI FIN GRP 41,870 43,096 40.89 44.77 4.67 30.705 38 CHUBB & SON INC GRP 41,539 42,944 24.34 22.81 4.63 35.346 91 HARTFORD FIRE & CAS GRP 41,228 43,194 43.52 51.24 4.60 39.947 111 LIBERTY MUT GRP 37,530 46,704 60.20 57.95 4.19 44.128 1309 FRANKENMUTH GRP 31,836 31,494 64.10 65.99 3.55 47.679 176 STATE FARM GRP 30,936 31,735 45.52 50.44 3.45 51.1310 212 ZURICH INS GRP 28,853 32,727 37.91 36.44 3.22 54.34

**STATE TOTAL** 896,377 922,061 44.11 47.84 100.00 100.00. .

Minnesota 1 473 AMERICAN FAMILY INS GRP 55,206 55,487 54.88 56.99 9.35 9.352 176 STATE FARM GRP 46,971 47,753 67.24 74.91 7.96 17.313 280 AUTO OWNERS GRP 41,830 40,174 41.05 42.05 7.09 24.404 3548 TRAVELERS GRP 36,016 34,912 67.61 71.62 6.10 30.505 111 LIBERTY MUT GRP 33,617 32,422 69.28 80.42 5.70 36.196 212 ZURICH INS GRP 28,498 27,887 48.47 57.74 4.83 41.027 796 QBE INS GRP 24,012 23,919 62.65 64.88 4.07 45.098 38 CHUBB & SON INC GRP 22,895 23,843 36.86 37.89 3.88 48.979 244 CINCINNATI FIN GRP 22,490 22,810 204.49 217.07 3.81 52.7810 98 WR BERKLEY CORP GRP 20,378 20,864 49.39 55.10 3.45 56.23

**STATE TOTAL** 590,273 589,647 57.07 62.82 100.00 100.00. .

Mississippi 1 3548 TRAVELERS GRP 32,277 32,702 44.41 44.57 11.17 11.172 212 ZURICH INS GRP 25,972 30,013 60.68 69.27 8.99 20.153 140 NATIONWIDE CORP GRP 24,655 25,125 78.62 84.97 8.53 28.684 176 STATE FARM GRP 20,759 21,681 19.57 32.15 7.18 35.875 98 WR BERKLEY CORP GRP 15,187 15,243 24.65 30.53 5.25 41.126 218 CNA INS GRP 11,528 11,466 62.94 65.88 3.99 45.117 38 CHUBB & SON INC GRP 11,086 11,316 19.22 9.06 3.84 48.958 111 LIBERTY MUT GRP 10,491 9,916 38.11 45.35 3.63 52.589 474 FCCI MUT INS GRP 10,244 10,361 25.54 28.24 3.54 56.1210 626 ACE LTD GRP 7,866 6,870 -20.87 -27.91 2.72 58.84

**STATE TOTAL** 289,024 286,237 44.62 49.84 100.00 100.00. .

Missouri 1 473 AMERICAN FAMILY INS GRP 62,834 63,078 55.61 57.97 9.92 9.922 3548 TRAVELERS GRP 49,456 46,808 30.51 30.21 7.81 17.733 111 LIBERTY MUT GRP 42,234 44,532 66.56 69.89 6.67 24.414 91 HARTFORD FIRE & CAS GRP 35,690 35,593 80.86 85.92 5.64 30.045 212 ZURICH INS GRP 34,978 39,952 35.37 36.59 5.52 35.576 140 NATIONWIDE CORP GRP 32,542 33,975 62.16 70.47 5.14 40.717 244 CINCINNATI FIN GRP 32,461 31,277 34.79 43.56 5.13 45.838 176 STATE FARM GRP 31,356 31,466 42.99 46.31 4.95 50.799 677 PHILADELPHIA CONSOLIDATED HOLDING GR 30,213 28,041 53.45 55.29 4.77 55.5610 38 CHUBB & SON INC GRP 25,963 26,454 46.20 44.75 4.10 59.66

**STATE TOTAL** 633,152 637,731 57.43 61.61 100.00 100.00. .

Montana 1 3548 TRAVELERS GRP 16,637 17,077 53.06 60.88 12.01 12.012 111 LIBERTY MUT GRP 13,424 12,359 51.08 57.92 9.69 21.703 244 CINCINNATI FIN GRP 13,061 12,663 97.16 107.33 9.43 31.134 212 ZURICH INS GRP 11,903 12,188 37.85 48.16 8.59 39.725 140 NATIONWIDE CORP GRP 6,484 6,451 99.68 107.91 4.68 44.416 677 PHILADELPHIA CONSOLIDATED HOLDING GR 6,395 5,670 9.38 13.42 4.62 49.027 28436 FARMERS UNION MUT INS CO 6,081 6,704 23.78 30.21 4.39 53.418 176 STATE FARM GRP 5,593 5,683 44.19 48.76 4.04 57.459 4683 MOUNTAIN WEST FARM GRP 5,582 5,642 30.90 39.68 4.03 61.4810 3478 HALLMARK FIN SERV GRP 4,490 4,144 50.57 58.22 3.24 64.72

**STATE TOTAL** 138,519 139,328 51.10 57.19 100.00 100.00. .





StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 140 NATIONWIDE CORP GRP 18,659 18,139 106.18 109.40 9.31 20.303 98 WR BERKLEY CORP GRP 16,697 16,828 58.85 65.31 8.33 28.634 3548 TRAVELERS GRP 16,300 15,745 32.14 33.55 8.13 36.775 807 COLUMBIA INS GRP 10,794 10,702 49.78 57.08 5.39 42.156 38 CHUBB & SON INC GRP 10,740 9,934 28.60 32.38 5.36 47.517 111 LIBERTY MUT GRP 8,489 8,336 30.23 34.39 4.24 51.758 244 CINCINNATI FIN GRP 8,339 8,221 32.22 39.51 4.16 55.919 91 HARTFORD FIRE & CAS GRP 8,113 8,218 23.04 24.83 4.05 59.9610 212 ZURICH INS GRP 6,972 7,410 100.21 177.27 3.48 63.44

**STATE TOTAL** 200,410 197,768 56.15 61.08 100.00 100.00. .

Nevada 1 212 ZURICH INS GRP 43,462 47,697 63.36 118.31 16.37 16.372 3548 TRAVELERS GRP 27,012 27,163 8.85 31.61 10.18 26.553 91 HARTFORD FIRE & CAS GRP 20,047 22,382 31.24 54.99 7.55 34.104 761 ALLIANZ INS GRP 19,795 21,266 63.61 68.19 7.46 41.565 218 CNA INS GRP 16,480 18,543 40.98 47.36 6.21 47.776 111 LIBERTY MUT GRP 14,450 14,423 39.99 53.46 5.44 53.217 140 NATIONWIDE CORP GRP 12,564 14,173 47.51 62.94 4.73 57.958 8 ALLSTATE INS GRP 11,391 10,777 44.45 50.53 4.29 62.249 796 QBE INS GRP 11,074 11,896 28.33 36.32 4.17 66.4110 38 CHUBB & SON INC GRP 9,594 10,175 16.87 15.31 3.61 70.02

**STATE TOTAL** 265,438 282,197 38.74 61.25 100.00 100.00. .

New Hampshire 1 111 LIBERTY MUT GRP 30,008 28,120 38.40 44.30 15.78 15.782 98 WR BERKLEY CORP GRP 18,815 18,795 47.54 58.84 9.90 25.683 88 THE HANOVER INS GRP 12,521 11,980 48.22 53.31 6.59 32.274 3548 TRAVELERS GRP 11,864 11,163 9.39 10.18 6.24 38.515 234 VERMONT MUT GRP 9,974 10,105 38.95 41.13 5.25 43.756 91 HARTFORD FIRE & CAS GRP 7,276 7,682 29.53 56.39 3.83 47.587 1129 WHITE MOUNTAINS GRP 7,073 8,034 24.93 33.31 3.72 51.308 677 PHILADELPHIA CONSOLIDATED HOLDING GR 6,751 6,735 38.95 43.21 3.55 54.859 195 UNION MUTUAL FIRE INS GRP 6,259 6,060 57.00 58.99 3.29 58.1410 311 MAIN STREET AMER GRP 5,879 6,237 62.81 68.26 3.09 61.23

**STATE TOTAL** 190,119 190,705 40.92 45.33 100.00 100.00. .

New Jersey 1 3548 TRAVELERS GRP 126,177 124,586 10.00 14.77 10.48 10.482 91 HARTFORD FIRE & CAS GRP 104,259 106,379 63.77 86.67 8.66 19.133 111 LIBERTY MUT GRP 94,655 91,668 45.86 52.06 7.86 26.994 38 CHUBB & SON INC GRP 79,091 83,732 31.21 36.19 6.57 33.565 222 GREATER NY GRP 51,500 52,552 45.61 53.05 4.28 37.846 677 PHILADELPHIA CONSOLIDATED HOLDING GR 49,139 48,489 35.03 39.03 4.08 41.927 218 CNA INS GRP 48,918 51,212 56.80 67.34 4.06 45.988 253 HARLEYSVILLE GRP 46,762 48,175 49.02 58.47 3.88 49.869 176 STATE FARM GRP 41,101 40,856 39.12 57.03 3.41 53.2710 3703 TOWER GRP 37,733 37,926 41.44 54.57 3.13 56.41

**STATE TOTAL** 1,204,386 1,220,930 40.73 50.60 100.00 100.00. .

New Mexico 1 212 ZURICH INS GRP 26,343 26,773 45.10 50.27 13.29 13.292 111 LIBERTY MUT GRP 18,997 18,834 43.56 53.09 9.58 22.873 791 MOUNTAIN STATES INS CO GRP 12,715 13,726 28.88 73.30 6.41 29.284 3548 TRAVELERS GRP 12,712 11,926 25.77 37.33 6.41 35.695 218 CNA INS GRP 12,280 12,521 62.95 72.79 6.19 41.896 91 HARTFORD FIRE & CAS GRP 11,210 12,028 43.92 55.90 5.65 47.547 176 STATE FARM GRP 9,778 9,799 61.98 72.98 4.93 52.478 140 NATIONWIDE CORP GRP 8,475 9,165 35.90 48.81 4.27 56.749 761 ALLIANZ INS GRP 8,189 8,062 29.84 37.28 4.13 60.8710 3478 HALLMARK FIN SERV GRP 7,875 8,364 47.37 53.57 3.97 64.85

**STATE TOTAL** 198,276 199,655 41.06 51.39 100.00 100.00. .

New York 1 3548 TRAVELERS GRP 306,986 307,947 16.71 20.95 9.91 9.912 3703 TOWER GRP 251,694 251,109 38.41 30.37 8.13 18.043 38 CHUBB & SON INC GRP 226,895 227,628 23.64 24.93 7.33 25.374 91 HARTFORD FIRE & CAS GRP 162,360 163,602 39.98 54.51 5.24 30.615 253 HARLEYSVILLE GRP 161,478 161,445 51.50 61.21 5.21 35.836 677 PHILADELPHIA CONSOLIDATED HOLDING GR 140,865 135,154 35.23 46.28 4.55 40.37




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 222 GREATER NY GRP 140,355 141,818 34.11 41.13 4.53 44.918 111 LIBERTY MUT GRP 135,617 128,045 59.83 80.92 4.38 49.299 218 CNA INS GRP 96,005 100,545 30.29 38.33 3.10 52.3910 201 UTICA GRP 80,713 81,808 28.40 36.93 2.61 54.99

**STATE TOTAL** 3,096,679 3,097,996 38.91 47.17 100.00 100.00. .

North Carolina 1 3548 TRAVELERS GRP 82,643 83,648 16.99 18.41 10.74 10.742 140 NATIONWIDE CORP GRP 70,631 71,073 46.60 49.74 9.18 19.913 91 HARTFORD FIRE & CAS GRP 52,771 55,363 34.37 44.50 6.86 26.774 244 CINCINNATI FIN GRP 47,641 48,521 24.27 30.88 6.19 32.965 111 LIBERTY MUT GRP 46,279 56,891 75.53 81.88 6.01 38.976 213 ERIE INS GRP 38,197 37,848 75.34 90.80 4.96 43.937 38 CHUBB & SON INC GRP 34,973 36,541 53.60 51.83 4.54 48.488 280 AUTO OWNERS GRP 31,100 31,360 27.54 30.45 4.04 52.529 176 STATE FARM GRP 29,203 29,706 33.13 36.92 3.79 56.3110 212 ZURICH INS GRP 22,349 35,036 7.52 3.85 2.90 59.22

**STATE TOTAL** 769,687 798,491 41.24 46.27 100.00 100.00. .

North Dakota 1 140 NATIONWIDE CORP GRP 10,974 10,201 69.16 71.75 11.57 11.572 98 WR BERKLEY CORP GRP 8,419 8,194 37.93 37.62 8.88 20.443 244 CINCINNATI FIN GRP 6,271 6,133 16.18 24.26 6.61 27.054 3548 TRAVELERS GRP 5,663 5,393 4.60 7.38 5.97 33.025 280 AUTO OWNERS GRP 4,920 4,655 9.24 8.95 5.19 38.216 175 STATE AUTO MUT GRP 4,111 4,176 31.53 33.32 4.33 42.547 32670 FARMERS UNION MUT INS CO 4,043 3,958 57.66 57.84 4.26 46.808 23574 MIDWEST FAMILY MUT INS CO 3,487 3,540 73.22 77.43 3.68 50.489 473 AMERICAN FAMILY INS GRP 3,417 3,376 47.67 59.96 3.60 54.0810 14184 ACUITY A MUT INS CO 3,335 3,311 51.80 47.53 3.52 57.60

**STATE TOTAL** 94,861 91,998 42.60 45.39 100.00 100.00. .

Ohio 1 244 CINCINNATI FIN GRP 148,638 149,858 41.46 48.96 13.93 13.932 228 WESTFIELD GRP 89,210 88,557 50.11 57.80 8.36 22.283 111 LIBERTY MUT GRP 73,873 75,983 63.11 71.14 6.92 29.204 3548 TRAVELERS GRP 63,062 61,489 27.42 30.58 5.91 35.115 140 NATIONWIDE CORP GRP 59,495 61,843 73.65 79.11 5.57 40.686 213 ERIE INS GRP 52,448 52,528 68.08 79.04 4.91 45.607 38 CHUBB & SON INC GRP 48,313 50,386 34.68 38.99 4.53 50.128 176 STATE FARM GRP 46,870 47,003 98.60 101.30 4.39 54.529 280 AUTO OWNERS GRP 43,721 43,494 56.92 59.35 4.10 58.6110 212 ZURICH INS GRP 27,401 28,206 69.81 74.31 2.57 61.18

**STATE TOTAL** 1,067,418 1,060,143 49.88 54.90 100.00 100.00. .

Oklahoma 1 212 ZURICH INS GRP 43,729 42,191 66.34 68.28 11.09 11.092 3548 TRAVELERS GRP 37,668 35,521 34.44 43.13 9.55 20.643 111 LIBERTY MUT GRP 27,323 28,975 36.19 33.76 6.93 27.574 91 HARTFORD FIRE & CAS GRP 22,866 22,347 56.48 61.86 5.80 33.375 38 CHUBB & SON INC GRP 22,405 22,988 52.90 57.31 5.68 39.066 176 STATE FARM GRP 20,368 19,723 82.21 94.11 5.17 44.227 218 CNA INS GRP 14,986 15,112 48.97 47.32 3.80 48.028 677 PHILADELPHIA CONSOLIDATED HOLDING GR 13,429 12,917 55.98 56.99 3.41 51.439 88 THE HANOVER INS GRP 13,279 13,627 65.38 68.09 3.37 54.8010 13528 BROTHERHOOD MUT INS CO 11,519 11,658 64.85 66.75 2.92 57.72

**STATE TOTAL** 394,281 385,531 63.16 67.52 100.00 100.00. .

Oregon 1 111 LIBERTY MUT GRP 64,048 63,228 31.35 40.44 16.10 16.102 212 ZURICH INS GRP 61,891 64,348 74.71 96.03 15.56 31.653 176 STATE FARM GRP 25,025 24,865 50.42 74.15 6.29 37.944 3548 TRAVELERS GRP 22,806 22,172 10.45 15.61 5.73 43.675 761 ALLIANZ INS GRP 16,950 17,145 63.20 69.82 4.26 47.946 91 HARTFORD FIRE & CAS GRP 15,539 15,998 38.68 34.66 3.91 51.847 796 QBE INS GRP 13,860 13,769 39.71 46.48 3.48 55.328 677 PHILADELPHIA CONSOLIDATED HOLDING GR 13,182 11,962 56.58 60.96 3.31 58.649 38 CHUBB & SON INC GRP 12,843 13,570 14.86 21.72 3.23 61.8710 140 NATIONWIDE CORP GRP 12,778 12,852 26.84 39.32 3.21 65.08

**STATE TOTAL** 397,872 402,509 51.27 64.40 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Pennsylvania 1 213 ERIE INS GRP 169,586 169,206 57.66 69.04 11.76 11.76

2 3548 TRAVELERS GRP 136,137 134,741 32.01 33.82 9.44 21.203 111 LIBERTY MUT GRP 90,186 91,433 47.19 49.39 6.25 27.454 38 CHUBB & SON INC GRP 78,572 79,464 25.54 4.25 5.45 32.905 140 NATIONWIDE CORP GRP 62,232 66,977 66.40 76.53 4.31 37.216 91 HARTFORD FIRE & CAS GRP 59,064 62,126 41.13 54.39 4.09 41.317 677 PHILADELPHIA CONSOLIDATED HOLDING GR 55,440 53,052 31.22 36.66 3.84 45.158 253 HARLEYSVILLE GRP 54,705 55,165 59.55 65.10 3.79 48.949 244 CINCINNATI FIN GRP 52,006 52,116 55.22 64.78 3.61 52.5510 176 STATE FARM GRP 37,385 37,397 49.74 65.74 2.59 55.14

**STATE TOTAL** 1,442,352 1,438,383 52.40 60.85 100.00 100.00. .

Rhode Island 1 3548 TRAVELERS GRP 14,085 14,870 26.56 29.28 10.62 10.622 111 LIBERTY MUT GRP 11,606 10,424 85.33 91.96 8.75 19.373 91 HARTFORD FIRE & CAS GRP 8,520 9,053 -48.46 -20.17 6.42 25.794 677 PHILADELPHIA CONSOLIDATED HOLDING GR 7,354 7,158 27.71 30.83 5.54 31.335 38 CHUBB & SON INC GRP 7,243 7,646 64.76 63.61 5.46 36.796 1129 WHITE MOUNTAINS GRP 7,068 7,568 16.71 20.87 5.33 42.127 253 HARLEYSVILLE GRP 6,349 6,275 66.87 73.07 4.79 46.918 140 NATIONWIDE CORP GRP 5,564 6,430 92.17 98.38 4.19 51.109 311 MAIN STREET AMER GRP 5,250 5,290 45.55 52.62 3.96 55.0610 8 ALLSTATE INS GRP 4,873 4,470 57.22 54.65 3.67 58.73

**STATE TOTAL** 132,658 134,273 37.91 44.30 100.00 100.00. .

South Carolina 1 3548 TRAVELERS GRP 41,172 41,275 27.20 28.73 9.76 9.762 91 HARTFORD FIRE & CAS GRP 36,554 38,180 39.36 55.10 8.67 18.433 111 LIBERTY MUT GRP 30,262 37,227 52.49 63.15 7.18 25.604 176 STATE FARM GRP 26,464 26,586 26.85 30.65 6.27 31.885 280 AUTO OWNERS GRP 25,530 25,095 27.38 32.21 6.05 37.936 140 NATIONWIDE CORP GRP 24,302 24,927 44.89 52.26 5.76 43.697 212 ZURICH INS GRP 16,936 16,301 37.18 54.22 4.02 47.718 8 ALLSTATE INS GRP 16,520 17,086 41.09 43.04 3.92 51.639 244 CINCINNATI FIN GRP 13,700 14,006 36.57 49.82 3.25 54.8710 26468 SOUTHERN MUT CHURCH INS CO 13,657 13,452 55.58 56.08 3.24 58.11

**STATE TOTAL** 421,762 428,281 41.43 50.13 100.00 100.00. .

South Dakota 1 98 WR BERKLEY CORP GRP 10,833 11,026 76.95 86.38 10.61 10.612 140 NATIONWIDE CORP GRP 9,284 9,154 74.84 78.57 9.09 19.703 23574 MIDWEST FAMILY MUT INS CO 7,598 7,180 59.25 66.09 7.44 27.144 280 AUTO OWNERS GRP 6,063 5,846 45.88 51.19 5.94 33.085 3548 TRAVELERS GRP 5,425 5,181 37.31 38.22 5.31 38.396 473 AMERICAN FAMILY INS GRP 5,410 5,492 56.27 57.96 5.30 43.697 176 STATE FARM GRP 5,390 5,275 72.52 79.36 5.28 48.978 796 QBE INS GRP 4,891 4,979 53.55 56.65 4.79 53.769 14184 ACUITY A MUT INS CO 4,409 4,504 66.72 108.56 4.32 58.0810 212 ZURICH INS GRP 3,793 4,099 54.94 55.36 3.71 61.79

**STATE TOTAL** 102,114 101,476 59.65 65.07 100.00 100.00. .

Tennessee 1 3548 TRAVELERS GRP 53,942 55,950 24.23 29.77 9.19 9.192 111 LIBERTY MUT GRP 42,113 38,891 62.76 69.36 7.17 16.363 280 AUTO OWNERS GRP 34,569 34,754 36.47 39.12 5.89 22.244 244 CINCINNATI FIN GRP 32,007 31,709 63.83 72.39 5.45 27.705 212 ZURICH INS GRP 29,715 32,824 58.13 60.87 5.06 32.766 140 NATIONWIDE CORP GRP 26,017 27,765 88.71 93.84 4.43 37.197 176 STATE FARM GRP 24,607 24,358 50.01 53.35 4.19 41.388 91 HARTFORD FIRE & CAS GRP 23,093 23,146 29.86 37.32 3.93 45.319 677 PHILADELPHIA CONSOLIDATED HOLDING GR 19,829 18,513 49.15 54.81 3.38 48.6910 213 ERIE INS GRP 19,716 19,265 58.32 67.24 3.36 52.04

**STATE TOTAL** 587,217 585,029 46.62 51.63 100.00 100.00. .

Texas 1 212 ZURICH INS GRP 239,314 243,241 69.07 73.66 11.78 11.782 3548 TRAVELERS GRP 180,003 177,893 148.74 151.84 8.86 20.643 91 HARTFORD FIRE & CAS GRP 176,389 172,784 49.38 58.26 8.68 29.324 111 LIBERTY MUT GRP 158,148 163,046 2.88 8.84 7.78 37.11




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 140 NATIONWIDE CORP GRP 129,621 132,151 95.26 101.71 6.38 43.496 38 CHUBB & SON INC GRP 93,934 94,551 49.02 53.33 4.62 48.117 677 PHILADELPHIA CONSOLIDATED HOLDING GR 85,904 81,630 36.93 41.90 4.23 52.348 626 ACE LTD GRP 81,544 81,875 44.80 48.07 4.01 56.369 218 CNA INS GRP 81,482 79,093 40.08 47.58 4.01 60.3710 176 STATE FARM GRP 74,599 73,943 67.36 74.89 3.67 64.04

**STATE TOTAL** 2,031,466 2,003,916 59.26 64.87 100.00 100.00. .

Utah 1 3548 TRAVELERS GRP 36,433 34,970 18.43 23.44 17.13 17.132 212 ZURICH INS GRP 22,373 23,299 31.21 37.03 10.52 27.653 111 LIBERTY MUT GRP 18,834 18,645 22.56 31.54 8.86 36.504 280 AUTO OWNERS GRP 13,363 14,582 11.81 10.96 6.28 42.795 140 NATIONWIDE CORP GRP 13,185 14,244 18.23 27.21 6.20 48.996 91 HARTFORD FIRE & CAS GRP 11,164 11,815 28.64 34.28 5.25 54.237 176 STATE FARM GRP 10,565 11,026 53.98 62.22 4.97 59.208 677 PHILADELPHIA CONSOLIDATED HOLDING GR 9,069 8,843 16.09 20.34 4.26 63.469 38 CHUBB & SON INC GRP 7,707 7,561 24.82 23.81 3.62 67.0910 8 ALLSTATE INS GRP 7,017 6,828 49.12 53.18 3.30 70.39

**STATE TOTAL** 212,694 213,075 28.53 35.18 100.00 100.00. .

Vermont 1 10541 AGRINATIONAL INS CO 32,288 29,586 17.77 21.11 23.41 23.412 111 LIBERTY MUT GRP 14,656 13,763 41.32 46.41 10.63 34.043 98 WR BERKLEY CORP GRP 12,986 13,204 39.07 44.86 9.42 43.454 234 VERMONT MUT GRP 10,705 10,679 32.68 36.81 7.76 51.215 195 UNION MUTUAL FIRE INS GRP 7,681 7,585 43.07 44.40 5.57 56.786 3548 TRAVELERS GRP 6,105 5,853 41.40 50.30 4.43 61.217 244 CINCINNATI FIN GRP 5,840 5,659 34.20 42.61 4.23 65.448 18686 CO OPERATIVE INS CO 3,965 3,965 26.53 27.36 2.87 68.329 677 PHILADELPHIA CONSOLIDATED HOLDING GR 3,909 3,676 29.35 35.76 2.83 71.1510 15997 MMG INS CO 3,566 3,491 19.63 21.69 2.59 73.74

**STATE TOTAL** 137,921 134,575 33.53 39.75 100.00 100.00. .

Virginia 1 3548 TRAVELERS GRP 76,575 76,656 24.56 25.24 11.45 11.452 213 ERIE INS GRP 54,546 53,927 46.53 60.53 8.16 19.613 91 HARTFORD FIRE & CAS GRP 52,061 53,672 -13.50 -38.61 7.79 27.404 140 NATIONWIDE CORP GRP 47,266 47,890 58.27 63.35 7.07 34.475 244 CINCINNATI FIN GRP 32,817 33,652 26.84 32.04 4.91 39.386 38 CHUBB & SON INC GRP 30,696 31,173 13.36 14.56 4.59 43.977 176 STATE FARM GRP 30,341 30,036 68.45 73.72 4.54 48.518 212 ZURICH INS GRP 26,220 28,833 34.30 34.10 3.92 52.439 111 LIBERTY MUT GRP 26,207 26,628 28.61 26.66 3.92 56.3510 8 ALLSTATE INS GRP 19,100 18,415 36.94 37.50 2.86 59.21

**STATE TOTAL** 668,563 674,172 34.94 36.09 100.00 100.00. .

Washington 1 111 LIBERTY MUT GRP 108,203 112,824 62.13 85.99 15.66 15.662 212 ZURICH INS GRP 103,396 106,569 46.55 54.20 14.96 30.623 3548 TRAVELERS GRP 43,241 41,726 86.52 97.96 6.26 36.884 761 ALLIANZ INS GRP 38,845 39,374 73.41 84.08 5.62 42.505 796 QBE INS GRP 34,825 34,304 73.72 80.43 5.04 47.546 91 HARTFORD FIRE & CAS GRP 32,586 33,192 97.08 155.82 4.72 52.267 176 STATE FARM GRP 29,954 30,966 38.57 42.94 4.34 56.608 677 PHILADELPHIA CONSOLIDATED HOLDING GR 26,568 24,321 35.48 37.34 3.85 60.449 8 ALLSTATE INS GRP 26,184 25,567 74.84 78.51 3.79 64.2310 218 CNA INS GRP 25,531 25,266 35.37 35.71 3.69 67.93

**STATE TOTAL** 690,958 703,250 58.37 70.85 100.00 100.00. .

West Virginia 1 3548 TRAVELERS GRP 21,591 21,558 44.32 54.90 12.93 12.932 213 ERIE INS GRP 21,340 21,137 50.78 65.59 12.78 25.713 228 WESTFIELD GRP 19,622 19,229 55.83 66.35 11.75 37.464 140 NATIONWIDE CORP GRP 14,859 14,866 72.59 79.70 8.90 46.365 38 CHUBB & SON INC GRP 11,719 11,510 44.09 63.67 7.02 53.386 244 CINCINNATI FIN GRP 9,479 8,629 48.01 61.45 5.68 59.057 175 STATE AUTO MUT GRP 4,893 4,806 59.01 72.68 2.93 61.998 91 HARTFORD FIRE & CAS GRP 4,862 4,856 58.77 43.44 2.91 64.909 111 LIBERTY MUT GRP 4,518 4,650 77.60 82.56 2.71 67.60




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 176 STATE FARM GRP 4,102 4,311 29.10 33.44 2.46 70.06**STATE TOTAL** 166,983 163,247 54.27 64.63 100.00 100.00

. .Wisconsin 1 3548 TRAVELERS GRP 52,253 53,080 19.41 20.44 9.12 9.12

2 473 AMERICAN FAMILY INS GRP 46,514 47,582 47.29 51.78 8.12 17.243 796 QBE INS GRP 41,224 41,623 37.95 37.98 7.19 24.434 15261 SOCIETY INS 29,808 29,736 40.83 44.24 5.20 29.635 244 CINCINNATI FIN GRP 26,120 26,332 42.24 50.29 4.56 34.196 38 CHUBB & SON INC GRP 26,042 26,136 41.85 50.57 4.55 38.747 280 AUTO OWNERS GRP 23,566 22,785 41.01 41.08 4.11 42.858 15091 RURAL MUT INS CO 20,359 20,215 38.54 48.61 3.55 46.409 291 MOTORISTS MUT GRP 18,823 18,281 66.69 69.32 3.29 49.6910 111 LIBERTY MUT GRP 17,221 16,776 97.65 99.35 3.01 52.70

**STATE TOTAL** 572,968 577,273 52.95 57.63 100.00 100.00. .

Wyoming 1 111 LIBERTY MUT GRP 13,205 12,975 32.67 36.55 15.71 15.712 3548 TRAVELERS GRP 8,952 8,438 22.95 26.01 10.65 26.363 212 ZURICH INS GRP 8,286 8,315 291.29 327.65 9.86 36.224 4683 MOUNTAIN WEST FARM GRP 7,630 7,699 34.00 36.67 9.08 45.295 140 NATIONWIDE CORP GRP 6,337 6,273 17.05 22.60 7.54 52.836 677 PHILADELPHIA CONSOLIDATED HOLDING GR 4,733 4,616 17.13 21.57 5.63 58.467 176 STATE FARM GRP 4,117 4,067 40.92 43.59 4.90 63.368 626 ACE LTD GRP 3,246 3,121 94.04 97.28 3.86 67.229 12 AMERICAN INTL GRP 3,103 1,901 40.20 38.34 3.69 70.9110 91 HARTFORD FIRE & CAS GRP 2,858 2,927 14.24 15.76 3.40 74.31

**STATE TOTAL** 84,057 82,470 74.60 85.20 100.00 100.00. .

American Samoa **STATE TOTAL** 0 0 N/A N/A N/A 100.00. .

Guam 1 18380 PACIFIC IND INS CO 303 297 123.39 152.56 49.56 49.562 626 ACE LTD GRP 181 178 0.00 0.01 29.57 79.133 13635 NIPPONKOA INS CO LTD 66 57 0.00 0.00 10.82 89.95

**STATE TOTAL** 611 593 62.69 77.37 100.00 100.00. .

Puerto Rico 1 40568 TRIPLE S PROPIEDAD INC 74,909 76,036 22.76 26.78 22.77 22.772 411 MAPFRE INS GRP 58,569 61,290 24.09 29.99 17.80 40.573 71 UNIVERSAL INS CO GRP 49,294 50,749 30.90 33.70 14.98 55.564 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 46,568 50,022 21.93 26.97 14.16 69.715 26778 INTEGRAND ASSUR CO 34,991 35,046 23.31 31.44 10.64 80.356 343 NATIONAL INS CO GRP 24,625 24,786 -1.29 2.09 7.49 87.837 626 ACE LTD GRP 14,252 12,530 13.94 21.56 4.33 92.178 10308 ANTILLES INS CO 8,389 8,189 13.85 18.59 2.55 94.729 12 AMERICAN INTL GRP 7,318 9,069 29.34 35.47 2.22 96.9410 31 BERKSHIRE HATHAWAY GRP 4,297 5,028 -4.36 -5.45 1.31 98.25

**STATE TOTAL** 328,983 338,131 21.89 26.74 100.00 100.00. .

U.S. Virgin Islands 1 161 TOPA EQUITIES LTD GRP 3,250 3,303 1.16 3.00 51.91 51.912 626 ACE LTD GRP 1,822 1,148 26.70 33.90 29.10 81.013 17779 GUARDIAN INS CO INC 813 729 22.62 22.62 12.99 94.004 38 CHUBB & SON INC GRP 123 123 -41.20 -237.28 1.97 95.975 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 113 142 899.85 922.30 1.80 97.776 14354 JEWELERS MUT INS CO 55 73 9.90 13.38 0.88 98.657 785 MARKEL CORP GRP 35 37 136.43 168.70 0.55 99.208 1129 WHITE MOUNTAINS GRP 17 15 42.61 57.87 0.27 99.489 920 UNITED AMER IND GRP 14 21 215.99 257.30 0.22 99.7010 218 CNA INS GRP 12 13 1.40 1.40 0.20 99.90

**STATE TOTAL** 6,262 5,666 34.06 33.77 100.00 100.00. .

N. Mariana Islands **STATE TOTAL** 13 12 0.00 0.00 100.00 100.00. .

Canada 1 176 STATE FARM GRP 52,601 51,075 59.22 68.32 47.11 47.112 761 ALLIANZ INS GRP 29,388 28,648 65.88 69.00 26.32 73.433 218 CNA INS GRP 17,495 17,366 32.10 35.04 15.67 89.094 65 FM GLOBAL GRP 5,692 5,707 64.41 67.58 5.10 94.195 91 HARTFORD FIRE & CAS GRP 1,688 1,573 6.32 9.56 1.51 95.70




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 38 CHUBB & SON INC GRP 1,224 1,701 183.31 176.99 1.10 96.807 14354 JEWELERS MUT INS CO 959 880 32.15 33.65 0.86 97.668 84 AMERICAN FINANCIAL GRP 750 656 23.75 24.58 0.67 98.339 111 LIBERTY MUT GRP 692 544 71.67 31.45 0.62 98.9510 1279 ARCH INS GRP 459 174 60.05 59.58 0.41 99.36

**STATE TOTAL** 111,662 108,925 57.35 62.71 100.00 100.00. .

Aggregate Other Alien 1 12 AMERICAN INTL GRP 127,131 121,671 15.76 17.91 55.93 55.932 38 CHUBB & SON INC GRP 37,552 38,574 8.27 8.63 16.52 72.453 181 SWISS RE GRP 20,757 16,855 79.18 79.29 9.13 81.594 111 LIBERTY MUT GRP 13,115 13,850 26.60 30.22 5.77 87.365 626 ACE LTD GRP 12,389 14,938 204.14 74.33 5.45 92.816 1129 WHITE MOUNTAINS GRP 5,352 5,358 1.96 2.23 2.35 95.167 31 BERKSHIRE HATHAWAY GRP 4,807 5,356 -440.38 -446.54 2.12 97.288 306 CUNA MUT GRP 2,099 1,690 33.27 44.74 0.92 98.209 212 ZURICH INS GRP 1,880 1,457 28.84 74.02 0.83 99.0310 761 ALLIANZ INS GRP 1,706 1,648 22.56 30.01 0.75 99.78

**STATE TOTAL** 227,293 225,037 8.11 -5.31 100.00 100.00. .




06— Mortgage Guaranty



States, U.S. Territories, Canada, and Aggregate Other Alien06-Mortgage Guaranty



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 105 MGIC GRP 1,316,165 1,374,871 189.02 195.36 24.21 24.212 1135 PMI GRP 839,052 861,600 235.68 235.68 15.44 39.653 12 AMERICAN INTL GRP 816,249 817,425 251.14 244.49 15.02 54.674 766 RADIAN GRP 798,977 872,092 178.88 178.88 14.70 69.375 4011 GENWORTH FIN GRP 714,562 733,052 206.25 206.25 13.15 82.516 150 OLD REPUBLIC GRP 634,085 648,655 189.29 199.02 11.67 94.187 421 COLLATERAL HOLDINGS GRP 217,012 220,696 401.70 401.70 3.99 98.17

**INDUSTRY TOTAL** 5,435,413 5,632,449 213.29 214.99 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 105 MGIC GRP 19,744 21,397 84.96 90.08 24.11 24.112 150 OLD REPUBLIC GRP 13,217 13,663 152.72 159.18 16.14 40.253 4011 GENWORTH FIN GRP 12,409 12,819 125.03 125.03 15.15 55.414 1135 PMI GRP 11,981 12,206 57.38 57.38 14.63 70.045 12 AMERICAN INTL GRP 11,687 11,763 172.34 168.76 14.27 84.316 766 RADIAN GRP 11,359 12,433 128.70 128.70 13.87 98.187 306 CUNA MUT GRP 754 808 119.01 119.01 0.92 99.10

**STATE TOTAL** 81,888 85,870 116.89 118.70 100.00 100.00. .

Alaska 1 306 CUNA MUT GRP 4,030 4,087 78.74 78.74 23.09 23.092 766 RADIAN GRP 3,655 3,900 44.60 44.60 20.94 44.023 4011 GENWORTH FIN GRP 3,121 3,138 118.54 118.54 17.88 61.904 105 MGIC GRP 3,111 3,205 85.00 87.50 17.82 79.725 1135 PMI GRP 1,939 1,892 24.19 24.19 11.10 90.836 12 AMERICAN INTL GRP 915 918 40.07 38.15 5.24 96.07

**STATE TOTAL** 17,458 17,825 70.33 70.75 100.00 100.00. .

Arizona 1 766 RADIAN GRP 25,660 26,987 375.28 375.28 20.98 20.982 105 MGIC GRP 24,500 25,187 841.21 860.57 20.03 41.003 4011 GENWORTH FIN GRP 19,528 19,822 732.41 732.41 15.96 56.974 12 AMERICAN INTL GRP 17,328 17,346 552.70 543.46 14.17 71.135 1135 PMI GRP 16,588 17,043 384.05 384.05 13.56 84.696 150 OLD REPUBLIC GRP 13,236 13,209 365.49 381.86 10.82 95.517 421 COLLATERAL HOLDINGS GRP 4,453 4,482 664.47 664.47 3.64 99.15

**STATE TOTAL** 122,327 125,191 560.59 564.93 100.00 100.00. .

Arkansas 1 150 OLD REPUBLIC GRP 14,056 14,127 94.31 98.22 32.98 32.982 105 MGIC GRP 7,401 7,799 84.99 89.60 17.37 50.353 4011 GENWORTH FIN GRP 5,571 5,621 118.22 118.22 13.07 63.434 12 AMERICAN INTL GRP 5,378 5,415 166.22 162.79 12.62 76.055 766 RADIAN GRP 4,258 4,590 132.57 132.57 9.99 86.046 1135 PMI GRP 3,773 3,935 110.83 110.83 8.85 94.907 421 COLLATERAL HOLDINGS GRP 1,598 1,680 114.53 114.53 3.75 98.648 306 CUNA MUT GRP 379 411 76.53 76.53 0.89 99.53

**STATE TOTAL** 42,613 43,776 110.41 112.06 100.00 100.00. .

California 1 766 RADIAN GRP 81,610 91,038 212.47 212.47 21.37 21.372 12 AMERICAN INTL GRP 64,212 64,363 359.70 345.33 16.81 38.183 105 MGIC GRP 62,034 67,129 296.34 301.88 16.24 54.434 1135 PMI GRP 53,168 62,010 281.79 281.79 13.92 68.355 421 COLLATERAL HOLDINGS GRP 45,211 45,334 342.20 342.20 11.84 80.196 150 OLD REPUBLIC GRP 42,731 43,817 184.11 201.08 11.19 91.377 4011 GENWORTH FIN GRP 28,214 28,493 681.13 681.13 7.39 98.76

**STATE TOTAL** 381,908 407,837 304.79 305.26 100.00 100.00. .

Colorado 1 105 MGIC GRP 27,185 28,125 84.61 89.90 25.76 25.762 766 RADIAN GRP 17,159 18,465 189.08 189.08 16.26 42.023 1135 PMI GRP 16,374 16,450 118.32 118.32 15.52 57.544 12 AMERICAN INTL GRP 14,744 14,688 205.09 201.86 13.97 71.515 4011 GENWORTH FIN GRP 12,747 12,967 188.68 188.68 12.08 83.596 150 OLD REPUBLIC GRP 10,729 10,572 143.65 148.92 10.17 93.767 421 COLLATERAL HOLDINGS GRP 4,734 4,765 783.31 783.31 4.49 98.25

**STATE TOTAL** 105,521 107,892 174.09 175.55 100.00 100.00. .

Connecticut 1 105 MGIC GRP 15,003 15,351 84.95 89.91 25.56 25.562 12 AMERICAN INTL GRP 11,468 11,616 217.12 213.65 19.54 45.103 4011 GENWORTH FIN GRP 9,489 9,690 180.83 180.83 16.17 61.274 766 RADIAN GRP 8,510 8,946 129.73 129.73 14.50 75.775 1135 PMI GRP 7,593 7,668 158.37 158.37 12.94 88.716 150 OLD REPUBLIC GRP 5,456 5,521 116.56 122.45 9.30 98.017 306 CUNA MUT GRP 700 744 122.98 122.98 1.19 99.20

**STATE TOTAL** 58,688 60,016 146.25 147.38 100.00 100.00. .

Delaware 1 105 MGIC GRP 7,422 7,472 84.99 88.94 33.43 33.432 12 AMERICAN INTL GRP 3,576 3,551 190.10 187.08 16.11 49.54




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


3 150 OLD REPUBLIC GRP 3,123 3,123 92.37 97.39 14.07 63.614 766 RADIAN GRP 2,890 3,079 128.70 128.70 13.02 76.635 1135 PMI GRP 2,465 2,880 95.28 95.28 11.10 87.736 4011 GENWORTH FIN GRP 2,440 2,474 175.57 175.57 10.99 98.727 421 COLLATERAL HOLDINGS GRP 151 151 9.23 9.23 0.68 99.40

**STATE TOTAL** 22,201 22,870 119.10 120.60 100.00 100.00. .

District of Columbia 1 1135 PMI GRP 69,519 73,838 679.24 679.24 46.69 46.692 150 OLD REPUBLIC GRP 48,083 51,671 553.92 580.38 32.29 78.983 421 COLLATERAL HOLDINGS GRP 19,859 20,165 1032.10 1032.10 13.34 92.324 12 AMERICAN INTL GRP 6,689 6,881 1149.02 1094.53 4.49 96.815 105 MGIC GRP 1,939 3,866 83.20 84.28 1.30 98.126 766 RADIAN GRP 1,401 1,457 84.00 84.00 0.94 99.06

**STATE TOTAL** 148,894 159,269 679.15 685.41 100.00 100.00. .

Florida 1 105 MGIC GRP 100,123 101,835 646.68 664.55 23.64 23.642 12 AMERICAN INTL GRP 77,087 77,318 421.05 405.82 18.20 41.843 766 RADIAN GRP 75,360 79,865 206.37 206.37 17.79 59.644 1135 PMI GRP 67,692 68,385 353.90 353.90 15.98 75.625 4011 GENWORTH FIN GRP 47,679 48,316 140.03 140.03 11.26 86.886 150 OLD REPUBLIC GRP 42,274 42,455 160.76 175.60 9.98 96.867 421 COLLATERAL HOLDINGS GRP 6,958 7,536 403.77 403.77 1.64 98.50

**STATE TOTAL** 423,504 432,299 364.41 367.35 100.00 100.00. .

Georgia 1 105 MGIC GRP 46,193 48,475 316.96 325.71 21.43 21.432 766 RADIAN GRP 37,666 39,430 223.29 223.29 17.47 38.903 12 AMERICAN INTL GRP 36,691 36,833 270.73 266.44 17.02 55.924 1135 PMI GRP 31,252 31,627 178.33 178.33 14.50 70.425 4011 GENWORTH FIN GRP 28,488 28,946 261.09 261.09 13.22 83.636 150 OLD REPUBLIC GRP 28,310 28,367 207.82 216.87 13.13 96.777 421 COLLATERAL HOLDINGS GRP 4,434 4,480 158.81 158.81 2.06 98.82

**STATE TOTAL** 215,569 220,798 246.22 248.59 100.00 100.00. .

Hawaii 1 105 MGIC GRP 9,304 9,675 84.93 89.18 42.34 42.342 1135 PMI GRP 5,388 5,462 184.97 184.97 24.52 66.853 766 RADIAN GRP 2,807 3,202 1059.81 1059.81 12.77 79.634 4011 GENWORTH FIN GRP 2,070 2,089 521.97 521.97 9.42 89.055 12 AMERICAN INTL GRP 1,072 1,093 372.51 370.98 4.88 93.936 150 OLD REPUBLIC GRP 815 822 139.18 147.55 3.71 97.63

**STATE TOTAL** 21,976 22,961 303.61 305.63 100.00 100.00. .

Idaho 1 105 MGIC GRP 8,650 9,226 116.17 126.74 30.53 30.532 766 RADIAN GRP 5,496 5,887 223.51 223.51 19.40 49.933 4011 GENWORTH FIN GRP 4,783 5,664 460.25 460.25 16.88 66.814 1135 PMI GRP 3,285 3,266 169.90 169.90 11.60 78.415 12 AMERICAN INTL GRP 3,151 3,174 321.37 318.50 11.12 89.536 150 OLD REPUBLIC GRP 2,265 2,249 209.81 218.53 7.99 97.537 306 CUNA MUT GRP 645 658 135.24 135.24 2.28 99.80

**STATE TOTAL** 28,332 30,180 236.25 239.83 100.00 100.00. .

Illinois 1 105 MGIC GRP 65,095 66,375 85.02 92.18 25.12 25.122 12 AMERICAN INTL GRP 45,883 45,766 285.72 280.48 17.70 42.823 1135 PMI GRP 37,684 37,719 197.66 197.66 14.54 57.364 766 RADIAN GRP 37,197 39,051 185.95 185.95 14.35 71.715 4011 GENWORTH FIN GRP 37,065 37,274 227.70 227.70 14.30 86.016 150 OLD REPUBLIC GRP 28,224 31,149 223.91 234.03 10.89 96.907 421 COLLATERAL HOLDINGS GRP 4,974 5,019 243.36 243.36 1.92 98.82

**STATE TOTAL** 259,182 265,469 189.63 191.70 100.00 100.00. .

Indiana 1 105 MGIC GRP 41,115 42,581 85.01 88.68 31.70 31.702 12 AMERICAN INTL GRP 24,951 24,905 146.21 141.80 19.24 50.933 4011 GENWORTH FIN GRP 17,757 17,947 118.06 118.06 13.69 64.624 766 RADIAN GRP 16,106 17,210 150.54 150.54 12.42 77.045 150 OLD REPUBLIC GRP 13,373 13,068 148.32 156.11 10.31 87.356 1135 PMI GRP 13,273 13,429 70.28 70.28 10.23 97.58




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 306 CUNA MUT GRP 2,219 2,232 83.94 83.94 1.71 99.29**STATE TOTAL** 129,710 132,321 114.43 115.55 100.00 100.00

. .Iowa 1 1135 PMI GRP 50,847 51,133 86.36 86.36 50.34 50.34

2 105 MGIC GRP 12,751 13,288 85.00 89.16 12.62 62.963 12 AMERICAN INTL GRP 10,990 11,216 115.42 111.92 10.88 73.844 4011 GENWORTH FIN GRP 8,817 8,951 83.65 83.65 8.73 82.575 150 OLD REPUBLIC GRP 8,706 8,906 132.02 136.27 8.62 91.186 766 RADIAN GRP 5,944 6,503 132.66 132.66 5.88 97.07

**STATE TOTAL** 101,016 103,173 95.77 96.29 100.00 100.00. .

Kansas 1 105 MGIC GRP 13,681 14,218 85.04 88.97 25.94 25.942 4011 GENWORTH FIN GRP 11,308 12,194 87.11 87.11 21.45 47.393 12 AMERICAN INTL GRP 10,536 10,767 112.85 110.28 19.98 67.374 766 RADIAN GRP 5,791 6,139 123.32 123.32 10.98 78.355 150 OLD REPUBLIC GRP 5,614 5,313 87.50 91.58 10.65 89.006 1135 PMI GRP 3,932 3,877 63.73 63.73 7.46 96.467 306 CUNA MUT GRP 1,418 1,436 53.90 53.90 2.69 99.15

**STATE TOTAL** 52,730 54,421 93.28 94.20 100.00 100.00. .

Kentucky 1 105 MGIC GRP 10,363 10,896 138.93 142.79 21.84 21.842 12 AMERICAN INTL GRP 8,864 8,860 124.93 121.08 18.68 40.523 766 RADIAN GRP 7,101 7,663 95.98 95.98 14.97 55.494 4011 GENWORTH FIN GRP 6,433 6,566 118.81 118.81 13.56 69.045 150 OLD REPUBLIC GRP 6,003 5,977 132.00 138.09 12.65 81.706 1135 PMI GRP 5,834 6,022 41.92 41.92 12.30 93.997 421 COLLATERAL HOLDINGS GRP 2,259 2,291 84.84 84.84 4.76 98.75

**STATE TOTAL** 47,449 48,878 111.03 111.94 100.00 100.00. .

Louisiana 1 105 MGIC GRP 20,626 21,045 84.78 88.35 25.51 25.512 1135 PMI GRP 15,764 16,117 38.45 38.45 19.49 45.003 4011 GENWORTH FIN GRP 12,915 13,100 66.88 66.88 15.97 60.974 766 RADIAN GRP 11,957 12,483 67.22 67.22 14.79 75.765 12 AMERICAN INTL GRP 11,549 11,681 104.77 101.35 14.28 90.046 150 OLD REPUBLIC GRP 6,784 6,797 66.33 70.74 8.39 98.437 306 CUNA MUT GRP 943 965 45.43 45.43 1.17 99.59

**STATE TOTAL** 80,868 82,536 70.93 71.72 100.00 100.00. .

Maine 1 105 MGIC GRP 8,134 8,326 84.99 88.15 41.22 41.222 766 RADIAN GRP 3,109 3,340 127.47 127.47 15.75 56.983 12 AMERICAN INTL GRP 2,481 2,498 177.49 171.22 12.57 69.554 1135 PMI GRP 2,154 2,184 135.58 135.58 10.92 80.475 4011 GENWORTH FIN GRP 1,681 1,700 206.00 206.00 8.52 88.996 150 OLD REPUBLIC GRP 1,423 1,433 132.84 139.69 7.21 96.20

**STATE TOTAL** 19,732 20,271 120.98 121.99 100.00 100.00. .

Maryland 1 105 MGIC GRP 28,497 29,925 84.99 92.11 24.56 24.562 12 AMERICAN INTL GRP 22,727 22,163 286.09 278.88 19.59 44.153 1135 PMI GRP 21,962 21,836 238.90 238.90 18.93 63.074 766 RADIAN GRP 15,587 16,314 168.01 168.01 13.43 76.515 150 OLD REPUBLIC GRP 11,715 11,987 93.89 101.86 10.10 86.606 4011 GENWORTH FIN GRP 11,661 11,716 286.61 286.61 10.05 96.657 306 CUNA MUT GRP 2,474 2,589 90.73 90.73 2.13 98.79

**STATE TOTAL** 116,032 118,035 185.99 187.25 100.00 100.00. .

Massachusetts 1 105 MGIC GRP 32,284 33,399 84.99 89.07 31.58 31.582 4011 GENWORTH FIN GRP 16,151 16,430 177.01 177.01 15.80 47.373 12 AMERICAN INTL GRP 13,680 13,750 241.17 236.46 13.38 60.754 1135 PMI GRP 13,663 13,659 158.14 158.14 13.36 74.125 766 RADIAN GRP 12,764 13,803 144.56 144.56 12.48 86.606 150 OLD REPUBLIC GRP 9,178 10,836 82.25 87.51 8.98 95.587 306 CUNA MUT GRP 3,510 3,595 135.92 135.92 3.43 99.01

**STATE TOTAL** 102,242 106,501 139.48 140.68 100.00 100.00. .

Michigan 1 105 MGIC GRP 51,019 52,375 378.45 384.93 32.87 32.87




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 766 RADIAN GRP 27,024 28,013 301.59 301.59 17.41 50.283 12 AMERICAN INTL GRP 19,289 19,445 321.88 315.06 12.43 62.714 1135 PMI GRP 17,687 17,887 209.07 209.07 11.40 74.105 4011 GENWORTH FIN GRP 17,167 17,387 267.26 267.26 11.06 85.166 150 OLD REPUBLIC GRP 14,550 15,084 234.80 245.45 9.37 94.547 306 CUNA MUT GRP 4,268 4,571 171.38 171.38 2.75 97.29

**STATE TOTAL** 155,213 158,992 302.69 305.00 100.00 100.00. .

Minnesota 1 421 COLLATERAL HOLDINGS GRP 39,541 40,574 22.84 22.84 21.44 21.442 150 OLD REPUBLIC GRP 30,390 35,181 219.87 226.52 16.47 37.913 12 AMERICAN INTL GRP 27,849 28,244 182.49 175.47 15.10 53.014 1135 PMI GRP 26,462 26,481 381.90 381.90 14.35 67.355 105 MGIC GRP 23,149 23,615 307.74 314.20 12.55 79.906 4011 GENWORTH FIN GRP 17,033 16,794 198.65 198.65 9.23 89.147 766 RADIAN GRP 15,919 17,173 237.15 237.15 8.63 97.77

**STATE TOTAL** 184,461 192,203 203.31 204.29 100.00 100.00. .

Mississippi 1 105 MGIC GRP 12,686 13,094 85.00 89.35 31.29 31.292 766 RADIAN GRP 7,456 7,754 129.16 129.16 18.39 49.693 4011 GENWORTH FIN GRP 6,496 6,618 101.68 101.68 16.02 65.714 1135 PMI GRP 4,849 4,921 53.99 53.99 11.96 77.675 12 AMERICAN INTL GRP 4,657 4,686 188.69 185.05 11.49 89.166 150 OLD REPUBLIC GRP 3,895 3,982 114.10 119.13 9.61 98.777 421 COLLATERAL HOLDINGS GRP 333 363 97.47 97.47 0.82 99.59

**STATE TOTAL** 40,539 41,607 106.75 108.19 100.00 100.00. .

Missouri 1 105 MGIC GRP 26,028 27,393 84.99 89.45 25.53 25.532 12 AMERICAN INTL GRP 17,144 17,130 179.21 175.70 16.82 42.353 4011 GENWORTH FIN GRP 15,966 16,688 140.94 140.94 15.66 58.024 1135 PMI GRP 14,327 13,674 76.43 76.43 14.06 72.075 150 OLD REPUBLIC GRP 12,847 12,479 123.92 129.65 12.60 84.686 766 RADIAN GRP 12,763 14,017 153.19 153.19 12.52 97.207 306 CUNA MUT GRP 2,137 2,173 64.03 64.03 2.10 99.29

**STATE TOTAL** 101,934 104,336 121.61 122.89 100.00 100.00. .

Montana 1 105 MGIC GRP 4,084 4,208 78.29 83.09 30.53 30.532 4011 GENWORTH FIN GRP 3,248 3,271 154.29 154.29 24.28 54.813 766 RADIAN GRP 2,236 2,373 116.20 116.20 16.72 71.534 1135 PMI GRP 1,530 1,538 31.86 31.86 11.44 82.975 12 AMERICAN INTL GRP 1,218 1,226 190.40 187.47 9.10 92.076 150 OLD REPUBLIC GRP 883 876 149.03 156.81 6.60 98.677 306 CUNA MUT GRP 159 160 34.83 34.83 1.19 99.86

**STATE TOTAL** 13,376 13,671 875.34 877.06 100.00 100.00. .

Nebraska 1 105 MGIC GRP 12,725 12,899 84.95 87.46 38.31 38.312 150 OLD REPUBLIC GRP 5,693 5,601 64.23 66.94 17.14 55.453 12 AMERICAN INTL GRP 4,722 4,747 102.47 99.36 14.22 69.674 4011 GENWORTH FIN GRP 3,819 3,811 92.84 92.84 11.50 81.165 1135 PMI GRP 3,120 3,136 17.10 17.10 9.39 90.566 766 RADIAN GRP 2,714 2,891 122.97 122.97 8.17 98.73

**STATE TOTAL** 33,216 33,539 81.46 82.44 100.00 100.00. .

Nevada 1 105 MGIC GRP 13,534 13,928 760.15 774.75 21.82 21.822 766 RADIAN GRP 12,685 13,618 498.98 498.98 20.46 42.283 1135 PMI GRP 9,828 9,944 516.58 516.58 15.85 58.134 12 AMERICAN INTL GRP 8,976 8,998 679.37 669.96 14.47 72.605 4011 GENWORTH FIN GRP 8,646 8,747 953.65 953.65 13.94 86.556 150 OLD REPUBLIC GRP 5,865 5,881 455.26 472.50 9.46 96.007 306 CUNA MUT GRP 1,846 2,201 744.88 744.88 2.98 98.98

**STATE TOTAL** 62,012 63,950 655.31 658.75 100.00 100.00. .

New Hampshire 1 105 MGIC GRP 7,867 8,071 84.99 89.04 28.94 28.942 12 AMERICAN INTL GRP 6,964 7,832 285.42 282.62 25.62 54.563 766 RADIAN GRP 4,045 4,343 186.44 186.44 14.88 69.444 4011 GENWORTH FIN GRP 3,414 3,476 167.67 167.67 12.56 82.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 1135 PMI GRP 2,694 2,720 165.70 165.70 9.91 91.916 150 OLD REPUBLIC GRP 1,460 1,466 213.42 221.05 5.37 97.287 306 CUNA MUT GRP 702 778 145.91 145.91 2.58 99.87

**STATE TOTAL** 27,183 28,721 180.76 181.53 100.00 100.00. .

New Jersey 1 105 MGIC GRP 35,878 36,387 84.98 93.12 22.68 22.682 766 RADIAN GRP 28,539 30,042 145.68 145.68 18.04 40.733 12 AMERICAN INTL GRP 26,700 26,650 261.72 256.05 16.88 57.614 4011 GENWORTH FIN GRP 24,043 24,379 224.66 224.66 15.20 72.815 1135 PMI GRP 22,854 22,937 212.62 212.62 14.45 87.266 150 OLD REPUBLIC GRP 15,749 16,230 145.11 153.86 9.96 97.217 421 COLLATERAL HOLDINGS GRP 3,139 3,157 232.82 232.82 1.98 99.20

**STATE TOTAL** 158,171 161,082 174.15 175.93 100.00 100.00. .

New Mexico 1 105 MGIC GRP 9,162 9,433 84.90 89.67 27.19 27.192 766 RADIAN GRP 7,305 7,613 103.14 103.14 21.68 48.873 4011 GENWORTH FIN GRP 4,868 5,069 124.44 124.44 14.45 63.324 1135 PMI GRP 4,374 4,447 73.81 73.81 12.98 76.305 12 AMERICAN INTL GRP 3,390 3,411 157.86 155.36 10.06 86.366 150 OLD REPUBLIC GRP 3,291 3,323 155.93 163.65 9.77 96.137 306 CUNA MUT GRP 934 942 34.54 34.54 2.77 98.90

**STATE TOTAL** 33,694 34,611 106.13 107.93 100.00 100.00. .

New York 1 105 MGIC GRP 47,881 48,024 84.98 91.08 22.94 22.942 4011 GENWORTH FIN GRP 45,542 46,125 127.56 127.56 21.82 44.763 766 RADIAN GRP 35,415 37,875 139.43 139.43 16.97 61.734 12 AMERICAN INTL GRP 31,409 31,579 132.56 126.77 15.05 76.775 1135 PMI GRP 30,644 31,412 277.33 277.33 14.68 91.456 150 OLD REPUBLIC GRP 13,358 13,405 116.14 122.11 6.40 97.857 306 CUNA MUT GRP 3,320 3,417 70.71 70.71 1.59 99.44

**STATE TOTAL** 208,730 212,998 142.23 143.12 100.00 100.00. .

North Carolina 1 105 MGIC GRP 37,904 39,645 85.01 89.71 23.08 23.082 4011 GENWORTH FIN GRP 28,741 29,574 134.04 134.04 17.50 40.573 150 OLD REPUBLIC GRP 27,215 25,005 112.55 117.75 16.57 57.144 12 AMERICAN INTL GRP 24,650 23,632 187.88 184.35 15.01 72.155 1135 PMI GRP 22,252 25,349 78.68 78.68 13.55 85.696 766 RADIAN GRP 14,137 16,045 268.84 268.84 8.61 94.307 421 COLLATERAL HOLDINGS GRP 8,162 8,332 105.35 105.35 4.97 99.27

**STATE TOTAL** 164,259 168,953 129.51 130.89 100.00 100.00. .

North Dakota 1 105 MGIC GRP 2,790 2,864 72.35 73.68 34.16 34.162 4011 GENWORTH FIN GRP 1,936 1,926 55.49 55.49 23.71 57.873 12 AMERICAN INTL GRP 949 945 82.73 80.63 11.62 69.494 766 RADIAN GRP 913 974 58.79 58.79 11.18 80.665 150 OLD REPUBLIC GRP 763 744 63.08 65.17 9.34 90.006 1135 PMI GRP 665 676 8.12 8.12 8.14 98.15

**STATE TOTAL** 8,166 8,285 60.86 61.27 100.00 100.00. .

Ohio 1 105 MGIC GRP 62,499 65,307 188.23 192.24 31.85 31.852 766 RADIAN GRP 31,602 33,479 164.13 164.13 16.10 47.953 4011 GENWORTH FIN GRP 27,304 27,490 120.77 120.77 13.91 61.864 1135 PMI GRP 26,593 26,716 105.51 105.51 13.55 75.425 12 AMERICAN INTL GRP 23,083 23,147 168.86 163.59 11.76 87.186 150 OLD REPUBLIC GRP 18,465 19,211 154.07 161.25 9.41 96.597 306 CUNA MUT GRP 3,580 3,640 128.48 128.48 1.82 98.41

**STATE TOTAL** 196,244 202,148 157.46 158.83 100.00 100.00. .

Oklahoma 1 766 RADIAN GRP 11,224 11,708 71.18 71.18 19.65 19.652 105 MGIC GRP 10,562 10,774 84.97 89.00 18.49 38.143 4011 GENWORTH FIN GRP 9,117 9,151 71.50 71.50 15.96 54.104 150 OLD REPUBLIC GRP 8,744 8,690 74.08 77.74 15.31 69.405 12 AMERICAN INTL GRP 7,949 7,862 110.78 107.45 13.91 83.326 1135 PMI GRP 5,071 5,114 46.08 46.08 8.88 92.197 421 COLLATERAL HOLDINGS GRP 3,140 3,235 46.82 46.82 5.50 97.69




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 57,128 57,858 75.42 76.27 100.00 100.00. .

Oregon 1 105 MGIC GRP 15,340 16,173 85.49 91.62 27.52 27.522 1135 PMI GRP 9,879 9,824 145.67 145.67 17.72 45.243 12 AMERICAN INTL GRP 9,415 9,493 326.58 324.29 16.89 62.134 766 RADIAN GRP 8,836 9,885 189.90 189.90 15.85 77.985 4011 GENWORTH FIN GRP 6,064 6,185 370.00 370.00 10.88 88.866 150 OLD REPUBLIC GRP 4,314 4,416 219.16 228.31 7.74 96.607 306 CUNA MUT GRP 1,383 1,393 132.55 132.55 2.48 99.08

**STATE TOTAL** 55,742 57,882 195.10 197.14 100.00 100.00. .

Pennsylvania 1 105 MGIC GRP 64,741 65,734 84.62 88.09 30.21 30.212 766 RADIAN GRP 39,862 46,840 69.94 69.94 18.60 48.813 12 AMERICAN INTL GRP 28,734 28,258 128.28 124.93 13.41 62.224 4011 GENWORTH FIN GRP 28,504 28,792 108.38 108.38 13.30 75.525 1135 PMI GRP 24,789 25,350 64.96 64.96 11.57 87.096 150 OLD REPUBLIC GRP 22,154 21,771 73.07 77.78 10.34 97.437 306 CUNA MUT GRP 2,797 2,857 104.64 104.64 1.31 98.74

**STATE TOTAL** 214,289 222,349 87.32 88.38 100.00 100.00. .

Rhode Island 1 105 MGIC GRP 5,093 5,669 193.85 198.63 31.29 31.292 766 RADIAN GRP 2,507 2,687 188.90 188.90 15.40 46.693 4011 GENWORTH FIN GRP 2,361 2,401 254.19 254.19 14.50 61.204 1135 PMI GRP 2,082 2,134 199.15 199.15 12.79 73.995 12 AMERICAN INTL GRP 2,079 2,096 299.15 292.65 12.77 86.766 306 CUNA MUT GRP 1,039 1,048 128.13 128.13 6.38 93.147 150 OLD REPUBLIC GRP 960 966 157.47 166.40 5.90 99.04

**STATE TOTAL** 16,277 17,157 209.17 210.45 100.00 100.00. .

South Carolina 1 105 MGIC GRP 24,305 25,215 154.68 160.10 23.93 23.932 12 AMERICAN INTL GRP 18,042 18,326 173.88 170.48 17.76 41.693 4011 GENWORTH FIN GRP 14,370 14,761 139.37 139.37 14.15 55.844 1135 PMI GRP 14,107 14,379 105.66 105.66 13.89 69.725 150 OLD REPUBLIC GRP 13,976 14,409 180.52 187.71 13.76 83.486 766 RADIAN GRP 11,397 12,426 160.63 160.63 11.22 94.707 421 COLLATERAL HOLDINGS GRP 4,565 4,638 122.80 122.80 4.49 99.20

**STATE TOTAL** 101,579 105,040 151.96 153.65 100.00 100.00. .

South Dakota 1 105 MGIC GRP 5,246 5,419 70.23 72.35 43.85 43.852 12 AMERICAN INTL GRP 1,825 1,838 106.49 103.67 15.25 59.103 4011 GENWORTH FIN GRP 1,791 1,813 65.30 65.30 14.97 74.084 1135 PMI GRP 1,094 1,139 35.36 35.36 9.14 83.225 766 RADIAN GRP 1,005 1,097 110.63 110.63 8.40 91.626 150 OLD REPUBLIC GRP 844 841 86.25 89.50 7.06 98.67

**STATE TOTAL** 11,965 12,312 77.60 78.33 100.00 100.00. .

Tennessee 1 105 MGIC GRP 25,765 26,942 84.99 89.63 25.62 25.622 4011 GENWORTH FIN GRP 16,979 17,871 130.73 130.73 16.88 42.503 766 RADIAN GRP 16,292 17,225 132.95 132.95 16.20 58.694 12 AMERICAN INTL GRP 13,235 13,184 163.15 159.79 13.16 71.855 150 OLD REPUBLIC GRP 12,642 12,769 109.59 115.50 12.57 84.426 1135 PMI GRP 11,237 11,410 71.78 71.78 11.17 95.597 421 COLLATERAL HOLDINGS GRP 2,362 2,419 94.76 94.76 2.35 97.94

**STATE TOTAL** 100,585 103,966 112.15 113.65 100.00 100.00. .

Texas 1 105 MGIC GRP 108,036 109,658 84.97 88.79 25.35 25.352 12 AMERICAN INTL GRP 66,241 65,746 114.35 111.84 15.54 40.893 1135 PMI GRP 59,612 59,402 50.83 50.83 13.99 54.884 4011 GENWORTH FIN GRP 56,796 57,917 86.93 86.93 13.33 68.215 766 RADIAN GRP 56,203 59,899 92.13 92.13 13.19 81.406 150 OLD REPUBLIC GRP 48,556 48,575 92.90 97.44 11.39 92.797 421 COLLATERAL HOLDINGS GRP 24,244 24,429 562.07 562.07 5.69 98.48

**STATE TOTAL** 426,173 432,324 113.51 114.61 100.00 100.00. .

Utah 1 105 MGIC GRP 14,559 14,790 195.68 204.69 25.24 25.24




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 4011 GENWORTH FIN GRP 11,372 11,489 238.16 238.16 19.72 44.963 766 RADIAN GRP 8,596 9,056 162.80 162.80 14.90 59.864 1135 PMI GRP 8,153 8,099 157.08 157.08 14.14 74.005 150 OLD REPUBLIC GRP 7,656 7,663 222.62 231.97 13.27 87.286 12 AMERICAN INTL GRP 5,356 5,374 310.92 306.80 9.29 96.567 306 CUNA MUT GRP 1,537 1,543 256.42 256.42 2.66 99.23

**STATE TOTAL** 57,675 58,468 209.81 212.94 100.00 100.00. .

Vermont 1 105 MGIC GRP 5,353 5,813 68.07 69.72 50.90 50.902 4011 GENWORTH FIN GRP 1,488 1,523 88.33 88.33 14.15 65.063 12 AMERICAN INTL GRP 1,024 992 204.10 200.05 9.74 74.794 766 RADIAN GRP 913 985 112.09 112.09 8.68 83.475 306 CUNA MUT GRP 670 695 24.37 24.37 6.37 89.846 1135 PMI GRP 576 628 113.75 113.75 5.48 95.32

**STATE TOTAL** 10,517 11,122 85.65 86.49 100.00 100.00. .

Virginia 1 105 MGIC GRP 29,256 39,272 85.00 89.05 20.52 20.522 1135 PMI GRP 24,180 24,292 691.54 691.54 16.96 37.473 150 OLD REPUBLIC GRP 22,223 22,827 171.50 178.67 15.58 53.064 12 AMERICAN INTL GRP 18,277 18,363 233.26 227.92 12.82 65.875 4011 GENWORTH FIN GRP 16,274 16,406 225.58 225.58 11.41 77.296 421 COLLATERAL HOLDINGS GRP 15,684 16,004 516.27 516.27 11.00 88.297 766 RADIAN GRP 14,536 15,121 198.82 198.82 10.19 98.48

**STATE TOTAL** 142,599 154,910 281.59 283.04 100.00 100.00. .

Washington 1 105 MGIC GRP 32,175 33,647 84.97 89.53 26.23 26.232 1135 PMI GRP 20,883 20,916 159.88 159.88 17.02 43.253 12 AMERICAN INTL GRP 19,266 19,396 244.08 242.06 15.71 58.964 766 RADIAN GRP 17,969 19,665 183.37 183.37 14.65 73.605 4011 GENWORTH FIN GRP 15,840 16,259 322.63 322.63 12.91 86.526 150 OLD REPUBLIC GRP 11,834 11,814 190.22 198.33 9.65 96.167 306 CUNA MUT GRP 3,980 4,055 122.77 122.77 3.24 99.41

**STATE TOTAL** 122,672 126,482 179.40 181.05 100.00 100.00. .

West Virginia 1 105 MGIC GRP 5,216 5,295 84.91 87.91 28.05 28.052 1135 PMI GRP 3,059 3,110 51.18 51.18 16.45 44.493 4011 GENWORTH FIN GRP 2,769 2,800 113.74 113.74 14.89 59.384 12 AMERICAN INTL GRP 2,725 2,734 166.77 163.53 14.65 74.035 150 OLD REPUBLIC GRP 2,096 2,069 127.32 133.44 11.27 85.316 766 RADIAN GRP 2,074 2,156 122.93 122.93 11.15 96.467 306 CUNA MUT GRP 357 366 107.63 107.63 1.92 98.38

**STATE TOTAL** 18,597 18,835 103.99 105.03 100.00 100.00. .

Wisconsin 1 105 MGIC GRP 37,894 39,064 86.25 90.37 39.73 39.732 4011 GENWORTH FIN GRP 14,634 15,024 118.20 118.20 15.34 55.083 12 AMERICAN INTL GRP 11,953 11,997 165.84 161.95 12.53 67.614 1135 PMI GRP 8,770 8,909 87.22 87.22 9.20 76.815 306 CUNA MUT GRP 8,134 8,389 97.23 97.23 8.53 85.346 766 RADIAN GRP 7,407 8,134 162.01 162.01 7.77 93.107 150 OLD REPUBLIC GRP 6,117 6,099 144.82 152.15 6.41 99.52

**STATE TOTAL** 95,367 98,076 112.28 113.90 100.00 100.00. .

Wyoming 1 105 MGIC GRP 4,254 4,324 71.70 75.23 26.89 26.892 4011 GENWORTH FIN GRP 4,018 3,974 104.43 104.43 25.40 52.293 766 RADIAN GRP 3,765 3,922 96.37 96.37 23.80 76.094 1135 PMI GRP 1,225 1,233 73.29 73.29 7.74 83.835 12 AMERICAN INTL GRP 1,135 1,138 120.12 118.12 7.17 91.006 150 OLD REPUBLIC GRP 1,051 1,048 70.31 74.06 6.65 97.657 306 CUNA MUT GRP 210 210 122.41 122.41 1.33 98.98

**STATE TOTAL** 15,818 16,011 89.62 90.68 100.00 100.00. .

Guam 1 766 RADIAN GRP 416 433 9.79 9.79 63.07 63.072 1135 PMI GRP 133 133 -1.46 -1.46 20.07 83.13

**STATE TOTAL** 660 675 14.03 14.03 100.00 100.00. .




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Puerto Rico 1 105 MGIC GRP 15,899 20,937 84.20 86.26 98.25 98.252 1135 PMI GRP 188 1,044 22.66 22.66 1.16 99.41

**STATE TOTAL** 16,182 22,076 82.01 83.97 100.00 100.00. .

U.S. Virgin Islands **STATE TOTAL** 487 490 21.71 21.71 100.00 100.00. .

Aggregate Other Alien 1 12 AMERICAN INTL GRP 2,337 2,390 229.42 229.42 57.49 57.49**STATE TOTAL** 4,064 22,934 37.65 37.65 100.00 100.00

. .




08— Ocean Marine



States, U.S. Territories, Canada, and Aggregate Other Alien08-Ocean Marine



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 12 AMERICAN INTL GRP 739,792 735,728 29.30 32.71 19.78 19.782 3548 TRAVELERS GRP 304,548 308,389 39.23 43.75 8.14 27.923 218 CNA INS GRP 252,736 248,675 49.30 54.87 6.76 34.684 626 ACE LTD GRP 215,377 228,862 49.21 54.30 5.76 40.445 761 ALLIANZ INS GRP 214,042 206,090 62.37 74.61 5.72 46.166 510 NAVIGATORS GRP 200,192 200,982 75.07 74.64 5.35 51.527 38 CHUBB & SON INC GRP 180,523 188,590 46.83 47.12 4.83 56.348 31 BERKSHIRE HATHAWAY GRP 141,775 186,133 76.21 81.21 3.79 60.139 1129 WHITE MOUNTAINS GRP 140,880 150,276 35.94 38.02 3.77 63.9010 13366 AMERICAN STEAMSHIP OWNERS MUT PROT 109,907 112,089 113.63 124.59 2.94 66.8411 212 ZURICH INS GRP 104,827 143,109 35.45 37.74 2.80 69.6412 1285 XL AMER GRP 99,353 99,554 12.80 12.60 2.66 72.3013 984 HCC INS HOLDINGS GRP 92,252 92,628 38.88 45.60 2.47 74.7714 84 AMERICAN FINANCIAL GRP 80,154 79,378 9.88 16.42 2.14 76.9115 111 LIBERTY MUT GRP 71,246 69,729 69.12 73.93 1.91 78.8116 785 MARKEL CORP GRP 70,862 80,467 48.79 55.69 1.89 80.7117 4670 STARR GRP 68,794 18,776 57.90 64.30 1.84 82.5518 256 NEW YORK MARINE & GEN GRP 67,851 68,740 10.68 14.32 1.81 84.3619 3098 TOKIO MARINE HOLDINGS INC GRP 56,396 57,829 46.99 51.46 1.51 85.8720 3416 AXIS CAPITAL GRP 51,730 53,155 12.59 12.48 1.38 87.2521 783 RLI INS GRP 39,238 43,869 101.30 104.12 1.05 88.3022 1279 ARCH INS GRP 30,362 26,695 20.75 23.31 0.81 89.1223 91 HARTFORD FIRE & CAS GRP 29,015 29,934 35.58 34.92 0.78 89.8924 98 WR BERKLEY CORP GRP 26,124 19,924 54.64 54.90 0.70 90.5925 140 NATIONWIDE CORP GRP 24,005 26,407 77.21 71.12 0.64 91.2326 65 FM GLOBAL GRP 22,820 24,578 67.49 68.76 0.61 91.8427 176 STATE FARM GRP 21,847 21,953 29.99 36.16 0.58 92.4328 158 FAIRFAX FIN GRP 21,031 22,021 -21.30 -19.48 0.56 92.9929 2978 MITSUI SUMITOMO INS GRP 20,830 21,730 65.95 68.36 0.56 93.5530 88 THE HANOVER INS GRP 20,354 21,111 57.29 61.37 0.54 94.0931 93 STATE NATL GRP 20,054 41,472 149.90 151.86 0.54 94.6332 37672 SEVEN SEAS INS CO INC 16,000 16,042 6.85 6.85 0.43 95.0533 181 SWISS RE GRP 14,708 15,601 -1.75 -4.13 0.39 95.4534 38300 SAMSUNG FIRE & MARINE INS CO LTD 13,982 13,481 28.94 29.22 0.37 95.8235 200 UNITED SERV AUTOMOBILE ASSN GRP 13,925 14,707 24.57 25.57 0.37 96.1936 3219 SOMPO JAPAN INS GRP 13,861 15,268 62.37 66.83 0.37 96.5637 361 MUNICH RE GRP 12,927 11,408 50.10 51.74 0.35 96.9138 19 ASSURANT INC GRP 11,071 10,673 64.88 67.14 0.30 97.2139 748 MEADOWBROOK INS GRP 9,038 8,843 14.72 28.24 0.24 97.4540 4662 ARIEL HOLDINGS GROUP 7,661 8,323 22.86 36.36 0.20 97.6541 10541 AGRINATIONAL INS CO 6,905 6,762 4.90 7.91 0.18 97.8442 27073 NIPPONKOA INS CO LTD US BR 6,278 6,329 40.29 42.03 0.17 98.0043 968 AXA INS GRP 5,986 5,494 133.19 137.02 0.16 98.1644 697 VAN ENT GRP 5,961 6,062 25.03 25.90 0.16 98.3245 4574 CATLIN US INS GRP 5,935 3,471 57.95 58.64 0.16 98.4846 8 ALLSTATE INS GRP 5,738 5,915 -22.49 -22.67 0.15 98.6447 50 COUNTRY INS & FIN SERV GRP 5,677 5,647 53.54 57.21 0.15 98.7948 4636 MAX CAPITAL GRP 5,637 2,993 143.80 148.89 0.15 98.9449 28 AMICA MUT GRP 4,998 5,576 27.12 30.06 0.13 99.0750 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 3,000 3,351 18.41 22.98 0.08 99.1551 10838 SUNDERLAND MARINE MUT CO LTD 2,876 2,804 99.14 99.14 0.08 99.2352 215 UNITRIN GRP 2,798 2,965 18.44 18.50 0.07 99.3053 3485 ROTHSCHILD INTL GRP 2,608 2,686 30.42 35.81 0.07 99.3754 15563 SEABRIGHT INS CO 2,188 2,366 127.60 144.77 0.06 99.4355 10048 HYUNDAI MARINE & FIRE INS CO LTD 2,133 2,234 16.37 16.61 0.06 99.4956 411 MAPFRE INS GRP 1,976 2,432 3.94 4.03 0.05 99.5457 26166 WINDSOR MOUNT JOY MUT INS CO 1,758 1,824 43.33 61.49 0.05 99.5958 517 HANNOVER GRP 1,440 1,489 463.92 453.29 0.04 99.6359 456 LANCER FINANCIAL GRP 1,296 1,299 6.48 6.05 0.03 99.6660 316 NATIONAL SECURITY GRP 1,278 1,269 -2.99 -2.99 0.03 99.7061 21172 VANLINER INS CO 1,252 1,252 82.45 83.77 0.03 99.7362 175 STATE AUTO MUT GRP 1,136 1,195 26.38 28.97 0.03 99.7663 38733 ALASKA NATL INS CO 797 742 -38.32 -63.67 0.02 99.7864 17779 GUARDIAN INS CO INC 796 484 2.07 2.14 0.02 99.8065 4513 AIOI INS GRP 725 725 28.92 35.77 0.02 99.82




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 71 UNIVERSAL INS CO GRP 707 839 23.44 30.39 0.02 99.8467 26778 INTEGRAND ASSUR CO 598 785 7.91 12.63 0.02 99.8668 1309 FRANKENMUTH GRP 574 587 21.68 20.67 0.02 99.8769 408 AMERICAN NATL FIN GRP 541 548 62.27 61.95 0.01 99.89

**INDUSTRY TOTAL** 3,739,903 3,828,646 46.47 50.52 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 3548 TRAVELERS GRP 3,623 3,531 33.52 48.98 10.79 10.792 218 CNA INS GRP 3,540 3,335 137.45 145.62 10.54 21.333 761 ALLIANZ INS GRP 2,978 3,057 157.86 195.24 8.87 30.204 12 AMERICAN INTL GRP 2,910 2,782 -8.69 445.39 8.67 38.865 1129 WHITE MOUNTAINS GRP 2,853 2,849 72.40 80.12 8.49 47.366 212 ZURICH INS GRP 2,322 3,020 44.03 43.75 6.91 54.277 984 HCC INS HOLDINGS GRP 1,710 1,664 158.52 190.74 5.09 59.368 4670 STARR GRP 1,332 336 14.08 18.82 3.97 63.339 38 CHUBB & SON INC GRP 1,314 1,389 85.37 80.97 3.91 67.2410 785 MARKEL CORP GRP 1,282 1,361 32.17 38.15 3.82 71.06

**STATE TOTAL** 33,581 36,114 61.69 110.72 100.00 100.00. .

Alaska 1 510 NAVIGATORS GRP 6,436 6,393 141.08 129.91 22.10 22.102 3548 TRAVELERS GRP 4,377 4,413 59.84 60.61 15.03 37.123 10838 SUNDERLAND MARINE MUT CO LTD 2,876 2,804 99.14 99.14 9.87 47.004 1129 WHITE MOUNTAINS GRP 2,453 2,041 68.15 68.33 8.42 55.425 761 ALLIANZ INS GRP 2,281 1,812 42.85 48.86 7.83 63.256 626 ACE LTD GRP 1,969 2,021 38.09 39.82 6.76 70.017 218 CNA INS GRP 1,651 1,639 13.58 16.09 5.67 75.688 140 NATIONWIDE CORP GRP 1,514 1,504 18.41 14.50 5.20 80.889 111 LIBERTY MUT GRP 1,398 1,175 52.96 53.35 4.80 85.6810 785 MARKEL CORP GRP 839 787 30.34 32.78 2.88 88.56

**STATE TOTAL** 29,125 28,672 74.92 72.85 100.00 100.00. .

Arizona 1 785 MARKEL CORP GRP 2,015 2,052 62.14 65.09 15.72 15.722 12 AMERICAN INTL GRP 1,730 1,615 126.76 134.14 13.49 29.213 212 ZURICH INS GRP 1,233 1,602 4.62 14.42 9.62 38.824 3548 TRAVELERS GRP 966 1,052 52.14 53.05 7.53 46.365 38 CHUBB & SON INC GRP 943 858 99.23 98.03 7.36 53.716 510 NAVIGATORS GRP 825 967 29.73 27.92 6.43 60.157 19 ASSURANT INC GRP 728 735 44.06 45.12 5.67 65.828 218 CNA INS GRP 686 849 85.74 88.79 5.35 71.179 1129 WHITE MOUNTAINS GRP 572 573 0.57 0.57 4.46 75.6310 697 VAN ENT GRP 496 510 0.70 0.70 3.86 79.50

**STATE TOTAL** 12,824 13,137 37.26 40.05 100.00 100.00. .

Arkansas 1 31 BERKSHIRE HATHAWAY GRP 4,103 4,427 58.83 63.27 28.92 28.922 984 HCC INS HOLDINGS GRP 1,213 1,200 -158.80 -158.23 8.55 37.473 212 ZURICH INS GRP 1,098 1,210 30.01 29.89 7.74 45.214 3548 TRAVELERS GRP 997 957 46.53 48.50 7.03 52.245 12 AMERICAN INTL GRP 793 531 261.35 281.07 5.59 57.826 1285 XL AMER GRP 737 908 0.85 12.26 5.19 63.017 218 CNA INS GRP 693 734 189.87 213.93 4.89 67.908 1129 WHITE MOUNTAINS GRP 683 557 129.49 129.55 4.81 72.719 626 ACE LTD GRP 559 881 80.83 71.93 3.94 76.6510 783 RLI INS GRP 492 670 135.65 142.82 3.46 80.12

**STATE TOTAL** 14,188 14,969 49.18 54.54 100.00 100.00. .

California 1 12 AMERICAN INTL GRP 29,845 26,635 82.33 87.52 13.09 13.092 761 ALLIANZ INS GRP 24,990 23,894 35.86 47.99 10.96 24.053 3548 TRAVELERS GRP 24,873 25,315 45.16 48.14 10.91 34.954 3098 TOKIO MARINE HOLDINGS INC GRP 21,738 22,198 31.85 37.37 9.53 44.495 218 CNA INS GRP 15,328 15,240 99.38 113.79 6.72 51.216 510 NAVIGATORS GRP 13,444 13,376 47.47 50.45 5.90 57.107 212 ZURICH INS GRP 12,311 18,211 23.74 27.00 5.40 62.508 1129 WHITE MOUNTAINS GRP 11,847 12,581 32.64 34.75 5.20 67.709 38 CHUBB & SON INC GRP 9,866 10,625 45.23 43.70 4.33 72.0210 31 BERKSHIRE HATHAWAY GRP 6,793 10,973 98.26 107.97 2.98 75.00

**STATE TOTAL** 228,043 231,768 45.24 50.13 100.00 100.00. .

Colorado 1 1285 XL AMER GRP 2,975 2,784 -26.04 -29.36 27.09 27.092 218 CNA INS GRP 931 833 40.25 42.83 8.48 35.573 212 ZURICH INS GRP 769 949 1.35 -3.69 7.00 42.574 3548 TRAVELERS GRP 753 750 11.05 10.32 6.86 49.435 256 NEW YORK MARINE & GEN GRP 744 736 13.81 14.95 6.77 56.20




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 1129 WHITE MOUNTAINS GRP 574 562 5.98 5.98 5.23 61.437 111 LIBERTY MUT GRP 516 529 104.71 104.05 4.70 66.128 38 CHUBB & SON INC GRP 450 405 -13.63 -13.93 4.10 70.229 12 AMERICAN INTL GRP 408 336 -371.67 -388.84 3.71 73.9310 91 HARTFORD FIRE & CAS GRP 362 369 25.13 24.90 3.30 77.23

**STATE TOTAL** 10,981 10,863 -9.45 -10.83 100.00 100.00. .

Connecticut 1 3548 TRAVELERS GRP 8,410 8,431 31.89 32.41 17.48 17.482 218 CNA INS GRP 4,865 4,956 26.94 28.47 10.11 27.593 38 CHUBB & SON INC GRP 4,256 4,208 48.38 48.19 8.85 36.444 626 ACE LTD GRP 3,821 4,176 77.91 81.30 7.94 44.385 1129 WHITE MOUNTAINS GRP 3,218 3,277 35.09 35.62 6.69 51.076 12 AMERICAN INTL GRP 3,181 2,855 132.58 142.42 6.61 57.687 31 BERKSHIRE HATHAWAY GRP 2,891 3,133 43.30 50.90 6.01 63.698 761 ALLIANZ INS GRP 2,739 2,969 60.20 64.57 5.69 69.389 212 ZURICH INS GRP 2,092 3,134 41.38 41.99 4.35 73.7310 50 COUNTRY INS & FIN SERV GRP 2,086 2,113 66.91 71.75 4.34 78.06

**STATE TOTAL** 48,112 50,387 48.78 50.90 100.00 100.00. .

Delaware 1 3548 TRAVELERS GRP 867 853 109.18 115.13 15.00 15.002 4670 STARR GRP 866 95 12.74 14.91 14.98 29.983 218 CNA INS GRP 705 740 39.62 42.31 12.19 42.164 626 ACE LTD GRP 532 914 38.23 43.49 9.19 51.365 1129 WHITE MOUNTAINS GRP 456 495 3.51 3.51 7.89 59.256 212 ZURICH INS GRP 368 523 -64.08 -61.22 6.36 65.617 38 CHUBB & SON INC GRP 363 536 4.18 -7.16 6.27 71.888 12 AMERICAN INTL GRP 291 235 1.92 -6.66 5.03 76.929 181 SWISS RE GRP 144 152 -33.28 -41.30 2.49 79.4110 785 MARKEL CORP GRP 142 120 15.88 18.93 2.46 81.88

**STATE TOTAL** 5,782 6,234 40.31 45.45 100.00 100.00. .

District of Columbia 1 1285 XL AMER GRP 767 905 -3.69 -4.00 24.61 24.612 31 BERKSHIRE HATHAWAY GRP 378 492 132.09 155.17 12.12 36.743 218 CNA INS GRP 340 323 27.58 31.27 10.91 47.654 19 ASSURANT INC GRP 293 284 286.22 306.88 9.39 57.045 626 ACE LTD GRP 223 18 1412.13 1459.82 7.15 64.196 1129 WHITE MOUNTAINS GRP 207 191 12.27 12.27 6.63 70.837 38 CHUBB & SON INC GRP 183 194 -0.40 -1.73 5.87 76.698 3548 TRAVELERS GRP 151 160 1.55 0.58 4.85 81.549 785 MARKEL CORP GRP 119 110 22.94 24.81 3.82 85.3610 761 ALLIANZ INS GRP 75 76 2.78 2.14 2.42 87.78

**STATE TOTAL** 3,118 3,193 59.49 65.23 100.00 100.00. .

Florida 1 626 ACE LTD GRP 35,538 37,862 29.07 37.92 13.44 13.442 218 CNA INS GRP 34,118 32,741 46.57 49.66 12.91 26.353 38 CHUBB & SON INC GRP 26,470 27,471 36.74 43.07 10.01 36.364 3548 TRAVELERS GRP 25,945 26,613 58.05 65.21 9.82 46.185 12 AMERICAN INTL GRP 20,463 13,604 55.82 61.49 7.74 53.926 37672 SEVEN SEAS INS CO INC 16,000 16,042 6.85 6.85 6.05 59.977 1129 WHITE MOUNTAINS GRP 15,762 17,551 29.24 31.17 5.96 65.948 785 MARKEL CORP GRP 11,510 12,336 68.11 76.33 4.35 70.299 84 AMERICAN FINANCIAL GRP 10,542 10,730 25.75 28.54 3.99 74.2810 761 ALLIANZ INS GRP 9,776 9,088 56.52 66.55 3.70 77.98

**STATE TOTAL** 264,340 269,275 44.59 49.85 100.00 100.00. .

Georgia 1 12 AMERICAN INTL GRP 31,999 31,848 29.71 31.64 55.42 55.422 3548 TRAVELERS GRP 3,831 3,928 19.82 21.44 6.63 62.053 218 CNA INS GRP 3,717 3,689 30.68 31.83 6.44 68.494 38 CHUBB & SON INC GRP 2,661 2,916 11.63 10.31 4.61 73.105 626 ACE LTD GRP 1,765 2,041 2.56 2.24 3.06 76.166 3416 AXIS CAPITAL GRP 1,533 1,528 -3.64 -6.20 2.66 78.817 84 AMERICAN FINANCIAL GRP 1,329 1,417 10.58 10.91 2.30 81.118 1129 WHITE MOUNTAINS GRP 1,106 1,142 7.38 7.53 1.92 83.039 761 ALLIANZ INS GRP 999 853 15.22 30.40 1.73 84.7610 785 MARKEL CORP GRP 944 931 6.52 8.55 1.64 86.39




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 57,741 59,093 23.96 25.60 100.00 100.00. .

Hawaii 1 140 NATIONWIDE CORP GRP 2,183 4,767 59.32 55.07 16.00 16.002 1129 WHITE MOUNTAINS GRP 2,067 2,133 13.92 13.86 15.15 31.153 761 ALLIANZ INS GRP 1,591 1,572 24.39 34.76 11.67 42.824 626 ACE LTD GRP 1,476 1,592 19.53 20.08 10.82 53.645 510 NAVIGATORS GRP 1,282 1,212 20.76 19.19 9.40 63.046 3548 TRAVELERS GRP 1,262 1,219 43.26 53.91 9.25 72.297 12 AMERICAN INTL GRP 898 865 20.67 21.07 6.58 78.878 785 MARKEL CORP GRP 620 589 53.15 63.01 4.54 83.429 218 CNA INS GRP 569 623 -44.26 -35.36 4.17 87.5910 783 RLI INS GRP 500 475 0.53 0.70 3.67 91.26

**STATE TOTAL** 13,641 16,768 29.27 30.35 100.00 100.00. .

Idaho 1 212 ZURICH INS GRP 516 561 56.38 56.51 15.34 15.342 31 BERKSHIRE HATHAWAY GRP 458 467 37.60 42.85 13.60 28.943 3548 TRAVELERS GRP 419 441 14.27 12.60 12.46 41.404 12 AMERICAN INTL GRP 300 70 206.54 213.55 8.90 50.315 785 MARKEL CORP GRP 264 271 124.47 148.18 7.85 58.166 38 CHUBB & SON INC GRP 202 201 39.79 39.61 6.02 64.177 3416 AXIS CAPITAL GRP 199 192 41.89 51.52 5.92 70.108 200 UNITED SERV AUTOMOBILE ASSN GRP 179 186 13.77 14.29 5.33 75.439 1129 WHITE MOUNTAINS GRP 167 158 -124.80 -109.78 4.96 80.3910 218 CNA INS GRP 114 97 -15.59 -8.36 3.39 83.78

**STATE TOTAL** 3,364 3,221 46.76 52.55 100.00 100.00. .

Illinois 1 12 AMERICAN INTL GRP 8,985 8,527 257.40 275.50 13.75 13.752 3548 TRAVELERS GRP 8,114 8,017 76.24 82.91 12.42 26.183 218 CNA INS GRP 6,403 6,333 24.57 29.24 9.80 35.984 761 ALLIANZ INS GRP 5,328 5,373 40.34 58.31 8.16 44.135 212 ZURICH INS GRP 3,608 4,231 26.01 26.13 5.52 49.666 3098 TOKIO MARINE HOLDINGS INC GRP 3,481 3,545 32.75 35.96 5.33 54.997 2978 MITSUI SUMITOMO INS GRP 2,938 3,198 151.73 154.13 4.50 59.498 1129 WHITE MOUNTAINS GRP 2,876 2,922 49.35 50.68 4.40 63.899 1285 XL AMER GRP 2,833 2,790 -31.64 -35.87 4.34 68.2310 38 CHUBB & SON INC GRP 2,672 2,738 34.12 35.81 4.09 72.32

**STATE TOTAL** 65,320 66,847 62.93 69.58 100.00 100.00. .

Indiana 1 31 BERKSHIRE HATHAWAY GRP 5,587 6,593 153.99 156.88 24.11 24.112 212 ZURICH INS GRP 2,169 2,250 -9.72 -10.63 9.36 33.473 4670 STARR GRP 1,960 766 22.53 24.75 8.46 41.934 761 ALLIANZ INS GRP 1,818 1,680 240.01 251.52 7.85 49.775 218 CNA INS GRP 1,771 1,738 -310.36 -309.52 7.64 57.426 3548 TRAVELERS GRP 1,768 1,740 10.13 17.66 7.63 65.057 626 ACE LTD GRP 1,299 1,321 281.65 273.04 5.61 70.668 38 CHUBB & SON INC GRP 964 930 21.48 21.00 4.16 74.829 12 AMERICAN INTL GRP 925 745 17.36 17.35 3.99 78.8110 88 THE HANOVER INS GRP 584 654 32.77 32.35 2.52 81.33

**STATE TOTAL** 23,172 22,843 79.12 82.29 100.00 100.00. .

Iowa 1 212 ZURICH INS GRP 1,426 1,541 -30.13 -29.10 20.07 20.072 3548 TRAVELERS GRP 1,110 1,104 16.57 14.71 15.62 35.683 218 CNA INS GRP 1,018 922 40.79 54.81 14.33 50.014 761 ALLIANZ INS GRP 751 713 38.50 51.78 10.57 60.585 91 HARTFORD FIRE & CAS GRP 487 505 -1.48 -2.41 6.85 67.436 626 ACE LTD GRP 402 398 10.96 10.20 5.65 73.097 783 RLI INS GRP 310 456 86.95 90.37 4.37 77.468 38 CHUBB & SON INC GRP 279 279 15.05 14.67 3.92 81.389 12 AMERICAN INTL GRP 225 167 141.03 138.89 3.16 84.5410 256 NEW YORK MARINE & GEN GRP 210 210 11.71 15.69 2.96 87.50

**STATE TOTAL** 7,105 7,217 22.32 25.59 100.00 100.00. .

Kansas 1 761 ALLIANZ INS GRP 1,741 1,459 49.45 51.49 24.38 24.382 65 FM GLOBAL GRP 730 751 -695.51 -711.68 10.23 34.613 3548 TRAVELERS GRP 584 667 34.26 33.54 8.17 42.78




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 218 CNA INS GRP 520 496 211.51 210.88 7.27 50.065 256 NEW YORK MARINE & GEN GRP 451 456 15.62 15.55 6.31 56.376 212 ZURICH INS GRP 436 529 31.52 30.44 6.10 62.477 1285 XL AMER GRP 425 250 -117.31 -130.76 5.95 68.428 31 BERKSHIRE HATHAWAY GRP 386 364 56.78 60.22 5.40 73.829 3416 AXIS CAPITAL GRP 375 368 -10.34 -10.99 5.25 79.0810 12 AMERICAN INTL GRP 320 269 0.70 0.77 4.49 83.56

**STATE TOTAL** 7,142 6,722 -43.70 -45.23 100.00 100.00. .

Kentucky 1 761 ALLIANZ INS GRP 2,930 2,849 131.20 143.88 15.00 15.002 626 ACE LTD GRP 2,650 2,647 113.30 115.64 13.57 28.583 218 CNA INS GRP 2,578 2,405 82.91 89.51 13.20 41.784 3548 TRAVELERS GRP 1,878 1,917 84.51 84.51 9.62 51.405 3416 AXIS CAPITAL GRP 1,331 1,306 9.05 9.05 6.82 58.216 1129 WHITE MOUNTAINS GRP 1,072 1,132 29.79 30.32 5.49 63.707 38 CHUBB & SON INC GRP 950 1,018 7.72 4.08 4.87 68.578 31 BERKSHIRE HATHAWAY GRP 835 1,097 404.15 412.70 4.28 72.859 1285 XL AMER GRP 760 706 -19.58 -21.72 3.89 76.7410 12 AMERICAN INTL GRP 639 436 198.79 219.05 3.27 80.01

**STATE TOTAL** 19,526 19,106 91.72 95.44 100.00 100.00. .

Louisiana 1 984 HCC INS HOLDINGS GRP 43,201 47,457 53.11 62.45 17.64 17.642 218 CNA INS GRP 21,705 20,854 33.76 40.61 8.86 26.503 1129 WHITE MOUNTAINS GRP 19,853 21,337 26.54 27.90 8.11 34.614 256 NEW YORK MARINE & GEN GRP 12,721 11,369 25.59 32.06 5.19 39.805 761 ALLIANZ INS GRP 11,639 11,664 97.75 124.40 4.75 44.556 93 STATE NATL GRP 10,884 21,123 151.47 154.41 4.44 49.007 31 BERKSHIRE HATHAWAY GRP 10,039 12,888 73.04 77.76 4.10 53.108 3548 TRAVELERS GRP 9,666 10,621 61.64 71.76 3.95 57.049 111 LIBERTY MUT GRP 9,641 8,403 95.47 98.63 3.94 60.9810 626 ACE LTD GRP 9,504 10,734 168.23 174.07 3.88 64.86

**STATE TOTAL** 244,916 263,924 68.22 74.36 100.00 100.00. .

Maine 1 12 AMERICAN INTL GRP 5,582 5,533 41.66 44.55 19.75 19.752 98 WR BERKLEY CORP GRP 5,373 5,295 48.95 49.37 19.01 38.773 3548 TRAVELERS GRP 3,725 3,712 13.76 13.90 13.18 51.954 1129 WHITE MOUNTAINS GRP 3,543 3,578 48.23 49.06 12.54 64.495 626 ACE LTD GRP 2,256 2,164 19.48 26.20 7.98 72.476 38 CHUBB & SON INC GRP 1,427 1,565 29.57 28.40 5.05 77.527 84 AMERICAN FINANCIAL GRP 838 847 32.26 31.90 2.96 80.488 50 COUNTRY INS & FIN SERV GRP 685 704 41.68 42.31 2.43 82.919 218 CNA INS GRP 586 860 18.77 23.92 2.07 84.9810 4670 STARR GRP 546 147 94.27 99.98 1.93 86.91

**STATE TOTAL** 28,258 28,853 35.34 37.25 100.00 100.00. .

Maryland 1 31 BERKSHIRE HATHAWAY GRP 30,355 29,015 65.95 66.26 37.20 37.202 3548 TRAVELERS GRP 9,535 9,251 43.14 44.33 11.68 48.883 218 CNA INS GRP 7,444 7,730 44.09 48.40 9.12 58.004 626 ACE LTD GRP 5,917 5,827 29.16 33.56 7.25 65.265 12 AMERICAN INTL GRP 4,327 3,965 46.30 53.70 5.30 70.566 1285 XL AMER GRP 2,991 1,987 -13.00 -14.08 3.67 74.227 1129 WHITE MOUNTAINS GRP 2,780 3,032 28.91 30.49 3.41 77.638 38 CHUBB & SON INC GRP 2,763 2,832 23.73 21.10 3.39 81.019 785 MARKEL CORP GRP 2,160 2,227 38.44 41.00 2.65 83.6610 761 ALLIANZ INS GRP 2,060 1,930 16.01 23.60 2.52 86.19

**STATE TOTAL** 81,605 80,349 41.49 43.05 100.00 100.00. .

Massachusetts 1 12 AMERICAN INTL GRP 12,810 12,143 94.35 98.02 14.38 14.382 3548 TRAVELERS GRP 12,750 13,162 26.31 27.70 14.31 28.703 1129 WHITE MOUNTAINS GRP 10,219 10,688 16.03 16.81 11.47 40.174 218 CNA INS GRP 7,334 7,447 34.13 36.66 8.23 48.405 38 CHUBB & SON INC GRP 5,435 5,599 27.47 27.89 6.10 54.506 181 SWISS RE GRP 5,373 5,375 117.00 125.82 6.03 60.537 626 ACE LTD GRP 5,014 4,531 38.76 49.35 5.63 66.168 31 BERKSHIRE HATHAWAY GRP 3,593 5,233 21.88 26.24 4.03 70.20




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 761 ALLIANZ INS GRP 3,516 3,629 47.69 57.74 3.95 74.1410 4670 STARR GRP 3,021 525 16.39 18.62 3.39 77.54

**STATE TOTAL** 89,075 89,423 48.31 52.16 100.00 100.00. .

Michigan 1 761 ALLIANZ INS GRP 5,949 5,883 -12.27 -7.13 14.56 14.562 218 CNA INS GRP 4,474 4,585 48.09 53.48 10.95 25.513 12 AMERICAN INTL GRP 4,061 3,480 151.68 169.59 9.94 35.444 3548 TRAVELERS GRP 3,235 3,461 1.47 1.39 7.92 43.365 626 ACE LTD GRP 2,945 2,512 27.02 32.77 7.21 50.576 212 ZURICH INS GRP 2,273 2,792 30.73 32.60 5.56 56.137 88 THE HANOVER INS GRP 2,144 2,123 53.60 53.63 5.25 61.388 38 CHUBB & SON INC GRP 2,127 2,237 21.04 19.70 5.20 66.589 785 MARKEL CORP GRP 1,863 2,093 72.64 75.10 4.56 71.1410 3416 AXIS CAPITAL GRP 1,403 1,383 19.76 19.24 3.43 74.58

**STATE TOTAL** 40,862 41,824 37.34 43.45 100.00 100.00. .

Minnesota 1 3548 TRAVELERS GRP 4,347 3,765 15.42 15.56 19.95 19.952 212 ZURICH INS GRP 2,958 3,273 32.98 32.83 13.57 33.523 218 CNA INS GRP 2,257 2,294 17.54 19.78 10.36 43.884 31 BERKSHIRE HATHAWAY GRP 1,921 2,411 46.22 53.42 8.81 52.695 38 CHUBB & SON INC GRP 1,674 1,882 4.67 2.88 7.68 60.376 12 AMERICAN INTL GRP 1,492 1,266 87.86 94.75 6.85 67.227 626 ACE LTD GRP 1,151 1,050 7.60 5.39 5.28 72.508 1129 WHITE MOUNTAINS GRP 1,121 1,096 66.94 72.97 5.15 77.649 761 ALLIANZ INS GRP 998 1,160 91.30 96.79 4.58 82.2210 84 AMERICAN FINANCIAL GRP 550 565 -3.69 -0.30 2.52 84.74

**STATE TOTAL** 21,794 22,044 31.11 33.70 100.00 100.00. .

Mississippi 1 218 CNA INS GRP 2,690 2,024 0.47 10.40 13.20 13.202 3548 TRAVELERS GRP 2,061 2,110 71.26 79.91 10.12 23.323 31 BERKSHIRE HATHAWAY GRP 1,894 2,103 225.60 230.53 9.30 32.614 1129 WHITE MOUNTAINS GRP 1,834 1,852 52.15 54.50 9.00 41.615 761 ALLIANZ INS GRP 1,666 1,528 292.57 302.05 8.18 49.796 984 HCC INS HOLDINGS GRP 1,090 1,254 62.30 72.81 5.35 55.147 4670 STARR GRP 931 376 13.41 16.11 4.57 59.718 12 AMERICAN INTL GRP 806 671 24.90 25.21 3.96 63.679 3416 AXIS CAPITAL GRP 771 759 -5.59 -6.05 3.79 67.4510 626 ACE LTD GRP 693 788 84.19 77.35 3.40 70.85

**STATE TOTAL** 20,375 19,488 88.16 88.32 100.00 100.00. .

Missouri 1 12 AMERICAN INTL GRP 7,853 7,292 52.41 79.04 23.49 23.492 218 CNA INS GRP 5,212 4,477 27.74 30.60 15.59 39.093 84 AMERICAN FINANCIAL GRP 2,497 2,626 16.16 29.36 7.47 46.564 1129 WHITE MOUNTAINS GRP 2,165 2,596 -36.69 -36.12 6.48 53.035 3548 TRAVELERS GRP 2,023 2,060 10.36 16.46 6.05 59.096 212 ZURICH INS GRP 1,991 2,473 33.87 34.57 5.96 65.047 785 MARKEL CORP GRP 1,539 1,553 8.42 14.58 4.60 69.658 38 CHUBB & SON INC GRP 1,311 1,259 11.14 10.17 3.92 73.579 761 ALLIANZ INS GRP 1,289 1,288 11.66 56.80 3.86 77.4210 626 ACE LTD GRP 1,169 1,077 88.46 96.88 3.50 80.92

**STATE TOTAL** 33,423 33,864 34.36 43.69 100.00 100.00. .

Montana 1 212 ZURICH INS GRP 1,840 2,076 6.72 6.78 49.52 49.522 3548 TRAVELERS GRP 469 444 15.74 15.21 12.62 62.143 12 AMERICAN INTL GRP 452 -46 N/A N/A 12.17 74.314 785 MARKEL CORP GRP 147 151 -49.57 -43.66 3.95 78.265 218 CNA INS GRP 109 102 148.68 166.69 2.94 81.206 38 CHUBB & SON INC GRP 98 107 -33.94 -35.65 2.63 83.837 510 NAVIGATORS GRP 97 85 12.33 12.26 2.60 86.438 91 HARTFORD FIRE & CAS GRP 82 88 1.46 1.33 2.19 88.639 1129 WHITE MOUNTAINS GRP 75 76 58.32 58.33 2.03 90.6510 200 UNITED SERV AUTOMOBILE ASSN GRP 73 76 11.97 14.77 1.98 92.63

**STATE TOTAL** 3,715 3,425 14.72 16.17 100.00 100.00. .

Nebraska 1 212 ZURICH INS GRP 961 1,002 85.41 93.16 29.81 29.81




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 218 CNA INS GRP 588 674 57.53 63.96 18.25 48.073 3548 TRAVELERS GRP 530 482 3.61 2.00 16.46 64.534 1285 XL AMER GRP 228 300 -22.25 -25.23 7.09 71.615 761 ALLIANZ INS GRP 216 207 11.55 30.23 6.71 78.326 3098 TOKIO MARINE HOLDINGS INC GRP 179 183 14.66 17.89 5.56 83.897 38 CHUBB & SON INC GRP 179 202 8.81 7.33 5.56 89.448 783 RLI INS GRP 129 142 -20.07 -21.95 3.99 93.439 91 HARTFORD FIRE & CAS GRP 108 110 38.95 40.10 3.35 96.7810 3416 AXIS CAPITAL GRP 71 65 -19.34 -20.13 2.19 98.97

**STATE TOTAL** 3,223 3,422 31.95 33.84 100.00 100.00. .

Nevada 1 212 ZURICH INS GRP 1,228 3,685 9.76 11.27 19.10 19.102 3548 TRAVELERS GRP 614 579 15.18 15.03 9.56 28.663 218 CNA INS GRP 554 546 7.55 12.32 8.62 37.284 12 AMERICAN INTL GRP 520 221 3.89 4.33 8.08 45.365 785 MARKEL CORP GRP 361 413 0.34 -6.55 5.62 50.986 1129 WHITE MOUNTAINS GRP 323 332 22.36 25.91 5.03 56.007 761 ALLIANZ INS GRP 312 331 38.62 47.91 4.85 60.858 510 NAVIGATORS GRP 303 263 5.09 3.64 4.72 65.579 4670 STARR GRP 261 74 12.74 14.91 4.05 69.6210 38 CHUBB & SON INC GRP 257 261 152.29 219.78 3.99 73.62

**STATE TOTAL** 6,429 8,725 15.95 19.29 100.00 100.00. .

New Hampshire 1 3548 TRAVELERS GRP 2,076 2,274 29.69 27.99 17.71 17.712 98 WR BERKLEY CORP GRP 1,481 1,509 14.64 14.28 12.64 30.353 218 CNA INS GRP 996 997 1.67 1.05 8.50 38.854 1129 WHITE MOUNTAINS GRP 874 889 33.57 34.64 7.46 46.315 31 BERKSHIRE HATHAWAY GRP 675 808 229.98 248.91 5.76 52.076 785 MARKEL CORP GRP 593 596 8.93 12.67 5.06 57.137 38 CHUBB & SON INC GRP 579 576 33.71 33.35 4.94 62.078 510 NAVIGATORS GRP 541 347 41.79 42.87 4.62 66.689 50 COUNTRY INS & FIN SERV GRP 534 533 35.10 37.14 4.55 71.2410 626 ACE LTD GRP 469 442 37.33 27.55 4.00 75.24

**STATE TOTAL** 11,718 11,726 35.36 35.80 100.00 100.00. .

New Jersey 1 3548 TRAVELERS GRP 21,910 22,362 68.71 84.64 17.41 17.412 761 ALLIANZ INS GRP 14,967 13,161 47.44 55.18 11.89 29.303 218 CNA INS GRP 10,632 10,597 79.71 82.69 8.45 37.754 626 ACE LTD GRP 8,670 7,702 77.16 83.58 6.89 44.645 38 CHUBB & SON INC GRP 8,098 8,759 61.75 67.35 6.43 51.076 1129 WHITE MOUNTAINS GRP 8,035 8,050 74.92 79.25 6.38 57.467 212 ZURICH INS GRP 6,942 8,756 27.44 28.66 5.52 62.978 12 AMERICAN INTL GRP 5,175 4,025 79.87 83.78 4.11 67.089 4670 STARR GRP 4,317 1,240 30.03 33.45 3.43 70.5110 84 AMERICAN FINANCIAL GRP 3,933 4,001 18.28 30.08 3.13 73.64

**STATE TOTAL** 125,855 124,681 62.74 69.74 100.00 100.00. .

New Mexico 1 785 MARKEL CORP GRP 442 439 -3.00 -2.54 29.12 29.122 212 ZURICH INS GRP 249 259 137.77 139.97 16.40 45.523 3548 TRAVELERS GRP 147 138 23.05 23.51 9.68 55.214 3416 AXIS CAPITAL GRP 134 125 -27.52 -28.20 8.84 64.055 38 CHUBB & SON INC GRP 83 84 23.52 -3.79 5.48 69.536 218 CNA INS GRP 76 106 16.57 16.55 4.98 74.507 12 AMERICAN INTL GRP 71 71 14.27 15.27 4.71 79.218 1129 WHITE MOUNTAINS GRP 65 62 4.39 4.40 4.29 83.509 91 HARTFORD FIRE & CAS GRP 61 62 13.27 13.66 4.04 87.5410 761 ALLIANZ INS GRP 54 46 21.57 22.40 3.54 91.07

**STATE TOTAL** 1,518 1,635 23.47 21.96 100.00 100.00. .

New York 1 13366 AMERICAN STEAMSHIP OWNERS MUT PROT 109,907 112,089 113.63 124.59 24.40 24.402 761 ALLIANZ INS GRP 55,160 55,012 70.05 76.44 12.25 36.643 12 AMERICAN INTL GRP 43,052 39,594 63.33 71.13 9.56 46.204 3548 TRAVELERS GRP 36,334 39,236 34.19 34.94 8.07 54.275 38 CHUBB & SON INC GRP 21,467 21,915 77.60 77.62 4.77 59.036 218 CNA INS GRP 16,946 17,073 57.47 63.28 3.76 62.79




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 4670 STARR GRP 14,484 4,189 26.74 29.72 3.22 66.018 38300 SAMSUNG FIRE & MARINE INS CO LTD 13,866 13,365 28.93 29.21 3.08 69.099 3219 SOMPO JAPAN INS GRP 13,861 15,268 62.37 66.83 3.08 72.1610 84 AMERICAN FINANCIAL GRP 13,307 12,968 -60.90 -54.30 2.95 75.12

**STATE TOTAL** 450,468 453,026 63.71 69.48 100.00 100.00. .

North Carolina 1 3548 TRAVELERS GRP 6,533 6,648 11.88 12.57 19.36 19.362 626 ACE LTD GRP 3,605 3,029 -1.18 -0.92 10.68 30.043 218 CNA INS GRP 3,074 3,020 44.68 48.43 9.11 39.154 12 AMERICAN INTL GRP 2,752 2,499 26.41 29.11 8.15 47.305 761 ALLIANZ INS GRP 1,824 1,875 80.23 91.10 5.41 52.716 31 BERKSHIRE HATHAWAY GRP 1,746 1,929 74.85 82.23 5.17 57.887 181 SWISS RE GRP 1,710 1,891 5.99 7.47 5.07 62.958 38 CHUBB & SON INC GRP 1,459 1,518 23.63 23.48 4.32 67.279 785 MARKEL CORP GRP 1,405 1,535 18.56 43.65 4.16 71.4410 3416 AXIS CAPITAL GRP 1,030 1,036 -19.72 -19.82 3.05 74.49

**STATE TOTAL** 33,748 34,649 22.86 25.96 100.00 100.00. .

North Dakota 1 3548 TRAVELERS GRP 652 652 32.61 68.62 66.62 66.622 212 ZURICH INS GRP 101 118 42.18 41.90 10.34 76.963 3416 AXIS CAPITAL GRP 70 66 7.47 7.18 7.19 84.154 218 CNA INS GRP 20 19 37.46 28.96 2.09 86.245 785 MARKEL CORP GRP 18 19 -10.01 -10.16 1.85 88.096 38 CHUBB & SON INC GRP 15 15 -77.38 -91.91 1.53 89.627 12 AMERICAN INTL GRP 13 9 -1.97 -2.10 1.35 90.978 697 VAN ENT GRP 13 15 21.61 21.61 1.35 92.329 783 RLI INS GRP 13 10 31.77 35.22 1.32 93.6410 91 HARTFORD FIRE & CAS GRP 11 11 1.41 0.95 1.14 94.78

**STATE TOTAL** 979 1,105 19.03 40.00 100.00 100.00. .

Ohio 1 761 ALLIANZ INS GRP 4,300 4,392 58.94 69.27 12.18 12.182 3548 TRAVELERS GRP 4,047 4,068 26.53 27.38 11.47 23.653 12 AMERICAN INTL GRP 3,741 3,388 66.99 83.64 10.60 34.254 218 CNA INS GRP 3,438 3,514 20.06 24.55 9.74 44.005 626 ACE LTD GRP 2,949 2,740 19.27 28.40 8.36 52.366 38 CHUBB & SON INC GRP 2,774 2,919 23.40 23.77 7.86 60.217 84 AMERICAN FINANCIAL GRP 2,298 2,236 -37.35 -31.89 6.51 66.738 1129 WHITE MOUNTAINS GRP 1,446 1,421 63.60 64.32 4.10 70.829 91 HARTFORD FIRE & CAS GRP 1,156 1,196 -0.63 -1.01 3.27 74.1010 4670 STARR GRP 1,155 498 32.61 35.42 3.27 77.37

**STATE TOTAL** 35,290 34,981 40.07 44.84 100.00 100.00. .

Oklahoma 1 984 HCC INS HOLDINGS GRP 4,798 4,120 188.96 190.61 27.23 27.232 212 ZURICH INS GRP 1,745 1,802 31.12 30.97 9.91 37.143 256 NEW YORK MARINE & GEN GRP 1,725 1,763 15.13 16.04 9.79 46.934 12 AMERICAN INTL GRP 1,574 1,871 181.74 172.62 8.93 55.865 111 LIBERTY MUT GRP 1,525 1,565 437.57 439.60 8.65 64.516 38 CHUBB & SON INC GRP 853 820 13.43 26.73 4.84 69.357 3548 TRAVELERS GRP 657 619 185.77 187.58 3.73 73.088 1129 WHITE MOUNTAINS GRP 647 818 43.72 49.98 3.67 76.759 785 MARKEL CORP GRP 640 694 -8.38 -6.55 3.63 80.3810 218 CNA INS GRP 531 496 144.86 178.09 3.01 83.39

**STATE TOTAL** 17,620 17,485 126.05 128.46 100.00 100.00. .

Oregon 1 3548 TRAVELERS GRP 3,787 3,693 109.89 115.75 14.21 14.212 212 ZURICH INS GRP 3,582 3,624 8.58 9.35 13.44 27.653 12 AMERICAN INTL GRP 2,820 2,561 7.36 7.08 10.58 38.234 510 NAVIGATORS GRP 2,671 2,367 41.82 45.62 10.02 48.255 761 ALLIANZ INS GRP 2,044 2,014 25.20 33.84 7.67 55.926 38 CHUBB & SON INC GRP 1,605 1,867 18.94 10.70 6.02 61.947 218 CNA INS GRP 1,406 1,359 -11.10 1.75 5.28 67.218 84 AMERICAN FINANCIAL GRP 1,371 1,210 38.93 43.26 5.14 72.369 3485 ROTHSCHILD INTL GRP 1,331 1,455 4.34 7.18 4.99 77.3510 1129 WHITE MOUNTAINS GRP 1,123 1,164 15.69 15.90 4.21 81.57

**STATE TOTAL** 26,653 26,280 34.77 37.80 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Pennsylvania 1 3548 TRAVELERS GRP 7,425 7,320 23.28 22.78 16.26 16.26

2 218 CNA INS GRP 4,935 5,036 45.62 49.22 10.81 27.073 761 ALLIANZ INS GRP 4,805 5,027 41.31 50.49 10.52 37.604 12 AMERICAN INTL GRP 4,443 3,725 71.98 78.18 9.73 47.335 38 CHUBB & SON INC GRP 3,844 3,954 10.81 6.61 8.42 55.756 1129 WHITE MOUNTAINS GRP 2,772 2,943 81.02 84.71 6.07 61.827 4670 STARR GRP 2,588 807 17.49 20.06 5.67 67.498 31 BERKSHIRE HATHAWAY GRP 2,445 2,804 103.28 108.88 5.36 72.859 212 ZURICH INS GRP 2,195 2,408 82.35 84.07 4.81 77.6510 626 ACE LTD GRP 1,506 1,025 -92.49 -121.43 3.30 80.95

**STATE TOTAL** 45,654 43,824 37.99 40.38 100.00 100.00. .

Rhode Island 1 3548 TRAVELERS GRP 3,822 3,960 42.47 45.54 15.85 15.852 38 CHUBB & SON INC GRP 2,820 2,939 35.70 38.01 11.69 27.543 626 ACE LTD GRP 2,652 2,528 18.63 23.22 11.00 38.544 761 ALLIANZ INS GRP 2,282 2,268 47.09 68.52 9.46 48.015 12 AMERICAN INTL GRP 2,220 1,786 33.27 36.25 9.21 57.216 1129 WHITE MOUNTAINS GRP 1,898 1,828 103.57 108.98 7.87 65.087 65 FM GLOBAL GRP 1,375 1,242 -41.42 -43.23 5.70 70.798 218 CNA INS GRP 985 977 92.81 100.50 4.09 74.879 84 AMERICAN FINANCIAL GRP 636 634 -10.49 -7.37 2.64 77.5110 31 BERKSHIRE HATHAWAY GRP 625 862 53.05 60.93 2.59 80.10

**STATE TOTAL** 24,114 24,482 39.18 44.74 100.00 100.00. .

South Carolina 1 3548 TRAVELERS GRP 6,422 6,688 38.81 42.81 26.08 26.082 626 ACE LTD GRP 2,551 2,530 33.67 37.03 10.36 36.443 218 CNA INS GRP 2,153 2,180 34.14 39.82 8.74 45.184 181 SWISS RE GRP 1,555 1,712 -27.25 -30.30 6.32 51.505 1129 WHITE MOUNTAINS GRP 1,435 1,669 21.55 22.21 5.83 57.336 761 ALLIANZ INS GRP 1,215 904 38.33 49.84 4.93 62.267 785 MARKEL CORP GRP 1,202 1,309 28.81 40.77 4.88 67.148 38 CHUBB & SON INC GRP 1,021 1,087 82.75 85.38 4.15 71.299 510 NAVIGATORS GRP 804 702 52.04 54.27 3.26 74.5510 91 HARTFORD FIRE & CAS GRP 769 507 14.56 -76.60 3.12 77.67

**STATE TOTAL** 24,624 25,898 45.44 48.09 100.00 100.00. .

South Dakota 1 212 ZURICH INS GRP 182 181 61.01 60.92 24.44 24.442 218 CNA INS GRP 154 135 39.93 39.93 20.73 45.173 215 UNITRIN GRP 55 60 21.76 21.73 7.43 52.604 3548 TRAVELERS GRP 54 50 9.67 9.72 7.22 59.825 3416 AXIS CAPITAL GRP 48 49 45.98 45.44 6.52 66.346 12 AMERICAN INTL GRP 39 35 10.67 11.42 5.20 71.547 785 MARKEL CORP GRP 32 26 -5.86 -6.26 4.31 75.868 38 CHUBB & SON INC GRP 31 30 1.27 0.70 4.19 80.049 697 VAN ENT GRP 29 30 -0.55 -0.55 3.95 83.9910 200 UNITED SERV AUTOMOBILE ASSN GRP 25 26 13.39 14.14 3.43 87.42

**STATE TOTAL** 743 723 41.65 41.68 100.00 100.00. .

Tennessee 1 12 AMERICAN INTL GRP 14,231 13,758 91.28 98.78 35.73 35.732 218 CNA INS GRP 4,725 4,343 54.26 58.31 11.86 47.593 4670 STARR GRP 3,361 1,009 48.70 56.18 8.44 56.034 3548 TRAVELERS GRP 2,902 2,896 53.08 52.86 7.28 63.315 31 BERKSHIRE HATHAWAY GRP 2,875 3,420 17.57 19.68 7.22 70.536 1129 WHITE MOUNTAINS GRP 1,533 1,491 86.54 86.54 3.85 74.387 761 ALLIANZ INS GRP 1,209 1,162 100.08 115.32 3.04 77.418 88 THE HANOVER INS GRP 944 1,067 171.06 173.20 2.37 79.789 38 CHUBB & SON INC GRP 908 922 26.45 23.20 2.28 82.0610 3098 TOKIO MARINE HOLDINGS INC GRP 796 819 21.94 33.21 2.00 84.06

**STATE TOTAL** 39,834 37,927 65.85 70.47 100.00 100.00. .

Texas 1 12 AMERICAN INTL GRP 36,863 37,686 149.42 143.60 10.21 10.212 984 HCC INS HOLDINGS GRP 34,651 31,150 19.88 22.67 9.60 19.823 111 LIBERTY MUT GRP 29,148 27,566 41.78 43.88 8.08 27.894 1279 ARCH INS GRP 27,481 23,626 41.34 42.88 7.62 35.51




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 176 STATE FARM GRP 21,847 21,953 29.99 36.16 6.05 41.566 3098 TOKIO MARINE HOLDINGS INC GRP 16,486 16,630 59.88 62.72 4.57 46.137 218 CNA INS GRP 16,399 14,777 53.60 61.03 4.54 50.688 256 NEW YORK MARINE & GEN GRP 15,733 16,742 -12.67 -12.32 4.36 55.049 761 ALLIANZ INS GRP 15,374 13,772 56.30 78.78 4.26 59.3010 31 BERKSHIRE HATHAWAY GRP 15,198 21,852 40.96 43.46 4.21 63.51

**STATE TOTAL** 360,875 363,031 54.14 56.81 100.00 100.00. .

Utah 1 761 ALLIANZ INS GRP 979 916 3.74 9.49 17.70 17.702 212 ZURICH INS GRP 730 865 10.86 10.77 13.21 30.913 785 MARKEL CORP GRP 671 688 2.90 7.03 12.14 43.054 3548 TRAVELERS GRP 450 521 138.55 140.28 8.14 51.195 19 ASSURANT INC GRP 362 361 17.39 17.16 6.54 57.736 12 AMERICAN INTL GRP 296 203 502.83 579.80 5.35 63.097 111 LIBERTY MUT GRP 268 309 34.93 47.69 4.85 67.948 218 CNA INS GRP 253 230 39.25 41.72 4.58 72.529 3416 AXIS CAPITAL GRP 252 245 -16.41 -17.09 4.55 77.0710 38 CHUBB & SON INC GRP 210 225 81.03 76.62 3.80 80.87

**STATE TOTAL** 5,528 5,746 47.78 53.19 100.00 100.00. .

Vermont 1 10541 AGRINATIONAL INS CO 6,905 6,762 4.90 7.91 65.31 65.312 212 ZURICH INS GRP 1,313 1,364 -95.82 -96.47 12.42 77.733 3548 TRAVELERS GRP 419 397 18.10 20.75 3.97 81.704 1129 WHITE MOUNTAINS GRP 402 419 30.55 30.61 3.80 85.505 218 CNA INS GRP 381 363 41.75 43.11 3.60 89.116 98 WR BERKLEY CORP GRP 192 215 9.37 9.37 1.82 90.927 38 CHUBB & SON INC GRP 118 110 108.30 108.57 1.12 92.048 50 COUNTRY INS & FIN SERV GRP 110 112 32.50 37.07 1.04 93.089 785 MARKEL CORP GRP 87 96 -3.19 -2.84 0.82 93.9010 91 HARTFORD FIRE & CAS GRP 83 87 -1.51 -3.27 0.79 94.69

**STATE TOTAL** 10,572 10,453 -1.84 0.80 100.00 100.00. .

Virginia 1 3548 TRAVELERS GRP 9,777 9,746 18.31 20.26 18.24 18.242 218 CNA INS GRP 7,371 7,684 66.49 66.05 13.75 32.003 1285 XL AMER GRP 4,442 3,700 157.28 156.06 8.29 40.294 626 ACE LTD GRP 3,357 3,183 103.67 103.41 6.26 46.555 761 ALLIANZ INS GRP 3,337 3,343 13.48 53.39 6.23 52.786 38 CHUBB & SON INC GRP 2,381 2,546 42.14 48.42 4.44 57.227 1129 WHITE MOUNTAINS GRP 2,258 2,592 45.18 46.70 4.21 61.438 65 FM GLOBAL GRP 2,220 2,168 49.42 50.31 4.14 65.589 31 BERKSHIRE HATHAWAY GRP 2,217 2,661 92.97 98.49 4.14 69.7110 84 AMERICAN FINANCIAL GRP 2,147 2,446 15.36 18.01 4.01 73.72

**STATE TOTAL** 53,590 53,950 57.94 64.95 100.00 100.00. .

Washington 1 12 AMERICAN INTL GRP 18,803 16,952 63.23 64.47 15.16 15.162 38 CHUBB & SON INC GRP 13,373 15,603 58.60 54.68 10.78 25.943 3548 TRAVELERS GRP 12,397 11,259 20.11 23.28 9.99 35.934 761 ALLIANZ INS GRP 12,218 10,992 59.98 72.64 9.85 45.785 510 NAVIGATORS GRP 10,902 10,904 127.90 132.79 8.79 54.576 140 NATIONWIDE CORP GRP 8,492 8,419 86.83 79.98 6.85 61.417 626 ACE LTD GRP 7,781 7,571 21.62 26.30 6.27 67.698 218 CNA INS GRP 5,557 5,530 47.22 58.43 4.48 72.179 1129 WHITE MOUNTAINS GRP 5,467 5,301 53.58 54.56 4.41 76.5710 212 ZURICH INS GRP 5,466 6,863 29.26 31.27 4.41 80.98

**STATE TOTAL** 124,049 123,934 67.83 71.16 100.00 100.00. .

West Virginia 1 626 ACE LTD GRP 609 592 55.76 63.47 19.75 19.752 218 CNA INS GRP 517 537 37.05 42.51 16.74 36.493 1129 WHITE MOUNTAINS GRP 422 421 12.21 12.21 13.67 50.164 1285 XL AMER GRP 296 200 68.80 61.98 9.58 59.755 783 RLI INS GRP 196 247 165.34 170.01 6.34 66.096 256 NEW YORK MARINE & GEN GRP 146 147 10.03 13.44 4.75 70.847 3416 AXIS CAPITAL GRP 127 123 -25.56 -26.38 4.11 74.958 510 NAVIGATORS GRP 125 158 -43.09 -48.39 4.06 79.019 761 ALLIANZ INS GRP 123 126 12.13 47.71 4.00 83.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 3548 TRAVELERS GRP 105 114 -5.90 -9.51 3.41 86.41**STATE TOTAL** 3,086 3,095 45.31 49.21 100.00 100.00


2 31 BERKSHIRE HATHAWAY GRP 2,264 2,104 158.23 174.81 9.04 44.163 38 CHUBB & SON INC GRP 1,986 2,119 79.11 92.73 7.94 52.104 761 ALLIANZ INS GRP 1,759 1,383 35.26 41.84 7.03 59.125 218 CNA INS GRP 1,704 1,618 30.47 34.31 6.81 65.936 212 ZURICH INS GRP 1,055 1,337 18.80 19.32 4.22 70.157 626 ACE LTD GRP 1,020 812 67.73 64.34 4.07 74.228 785 MARKEL CORP GRP 891 975 2.70 26.84 3.56 77.789 1129 WHITE MOUNTAINS GRP 750 783 17.78 17.96 3.00 80.7810 12 AMERICAN INTL GRP 579 428 67.62 75.95 2.31 83.09

**STATE TOTAL** 25,034 24,995 49.09 53.97 100.00 100.00. .

Wyoming 1 212 ZURICH INS GRP 207 208 6.56 6.14 25.75 25.752 510 NAVIGATORS GRP 119 60 29.80 30.84 14.73 40.473 1129 WHITE MOUNTAINS GRP 82 76 4.77 4.77 10.14 50.614 3548 TRAVELERS GRP 79 88 2.93 1.44 9.83 60.445 12 AMERICAN INTL GRP 60 221 -88.54 -90.83 7.44 67.886 91 HARTFORD FIRE & CAS GRP 54 54 5.19 5.28 6.71 74.597 3416 AXIS CAPITAL GRP 51 46 25.98 25.25 6.30 80.898 218 CNA INS GRP 34 30 10.61 10.61 4.27 85.159 88 THE HANOVER INS GRP 25 26 8.69 7.69 3.11 88.2610 785 MARKEL CORP GRP 23 23 454.93 642.30 2.91 91.17

**STATE TOTAL** 805 904 18.70 -33.31 100.00 100.00. .

American Samoa **STATE TOTAL** 6 14 667.32 653.12 100.00 100.00. .

Guam 1 18380 PACIFIC IND INS CO 440 430 -23.28 -22.31 42.81 42.812 510 NAVIGATORS GRP 286 175 13.72 12.44 27.80 70.613 4672 DONGBU INS GRP 110 126 30.09 32.22 10.65 81.264 626 ACE LTD GRP 72 118 14.05 5.70 7.03 88.295 12633 CENTURY INS CO GU LTD 61 14 -27.21 -27.21 5.90 94.196 13597 CHUNG KUO INS CO LTD 39 39 85.87 89.96 3.80 97.987 3548 TRAVELERS GRP 14 14 23.43 24.81 1.33 99.328 10972 FIRST NET INS CO 5 4 0.00 4.55 0.52 99.83

**STATE TOTAL** 1,029 920 0.08 -0.54 100.00 100.00. .

Puerto Rico 1 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 3,000 3,351 16.17 20.74 15.51 15.512 761 ALLIANZ INS GRP 2,666 2,783 40.22 54.15 13.78 29.293 785 MARKEL CORP GRP 2,604 2,363 17.87 18.19 13.46 42.754 626 ACE LTD GRP 2,420 2,641 8.01 8.90 12.51 55.275 411 MAPFRE INS GRP 1,976 2,432 3.94 4.03 10.22 65.486 71 UNIVERSAL INS CO GRP 707 839 23.44 30.39 3.66 69.147 17779 GUARDIAN INS CO INC 686 418 2.40 2.48 3.55 72.698 783 RLI INS GRP 614 1,028 186.85 189.07 3.17 75.869 218 CNA INS GRP 604 543 20.28 20.68 3.12 78.9810 26778 INTEGRAND ASSUR CO 598 785 7.91 12.63 3.09 82.07

**STATE TOTAL** 19,342 21,012 25.10 28.60 100.00 100.00. .

U.S. Virgin Islands 1 218 CNA INS GRP 290 520 -35.57 -1.17 17.38 17.382 31 BERKSHIRE HATHAWAY GRP 287 271 16.36 65.58 17.19 34.573 3548 TRAVELERS GRP 287 253 29.64 99.35 17.16 51.744 626 ACE LTD GRP 220 249 261.85 284.90 13.20 64.935 783 RLI INS GRP 199 264 34.52 38.59 11.90 76.836 17779 GUARDIAN INS CO INC 110 67 0.00 0.00 6.59 83.427 111 LIBERTY MUT GRP 73 78 54.78 54.78 4.34 87.768 785 MARKEL CORP GRP 70 42 -0.12 -0.13 4.21 91.979 256 NEW YORK MARINE & GEN GRP 65 87 14.01 14.87 3.91 95.8710 212 ZURICH INS GRP 33 39 -4.27 -4.27 1.97 97.85

**STATE TOTAL** 1,670 1,921 45.00 78.03 100.00 100.00. .

N. Mariana Islands **STATE TOTAL** 0 0 N/A N/A N/A 100.00. .




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Canada 1 218 CNA INS GRP 37,052 37,708 56.93 62.68 47.31 47.312 3548 TRAVELERS GRP 19,633 19,703 32.87 40.69 25.07 72.383 1285 XL AMER GRP 6,458 3,021 -6.24 4.84 8.25 80.624 111 LIBERTY MUT GRP 4,504 4,177 41.38 43.46 5.75 86.375 84 AMERICAN FINANCIAL GRP 4,501 4,224 48.03 47.82 5.75 92.126 761 ALLIANZ INS GRP 2,046 1,974 280.89 287.73 2.61 94.737 38 CHUBB & SON INC GRP 1,291 1,253 28.46 28.18 1.65 96.388 65 FM GLOBAL GRP 946 2,203 22.45 22.97 1.21 97.599 31 BERKSHIRE HATHAWAY GRP 648 1,197 47.94 51.35 0.83 98.4210 984 HCC INS HOLDINGS GRP 368 228 -90.10 -88.76 0.47 98.89

**STATE TOTAL** 78,320 76,498 50.26 55.88 100.00 100.00. .

Aggregate Other Alien 1 12 AMERICAN INTL GRP 448,950 470,072 -1.66 -1.65 56.37 56.372 510 NAVIGATORS GRP 127,188 127,825 60.82 58.79 15.97 72.343 626 ACE LTD GRP 70,012 84,029 36.59 41.92 8.79 81.134 1285 XL AMER GRP 40,905 44,724 59.96 61.48 5.14 86.275 38 CHUBB & SON INC GRP 31,576 31,237 63.07 62.51 3.96 90.236 158 FAIRFAX FIN GRP 19,993 19,716 -17.93 -16.64 2.51 92.757 31 BERKSHIRE HATHAWAY GRP 17,214 23,189 91.55 96.18 2.16 94.918 783 RLI INS GRP 9,519 10,615 61.92 65.37 1.20 96.109 256 NEW YORK MARINE & GEN GRP 8,370 8,071 42.27 45.96 1.05 97.1510 111 LIBERTY MUT GRP 6,830 6,904 106.10 117.96 0.86 98.01

**STATE TOTAL** 796,401 841,983 22.70 23.44 100.00 100.00. .




9— Inland Marine



States, U.S. Territories, Canada, and Aggregate Other Alien09-Inland Marine



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 111 LIBERTY MUT GRP 1,879,153 1,898,888 60.17 60.16 14.01 14.012 218 CNA INS GRP 1,213,328 1,223,192 69.80 69.97 9.05 23.063 65 FM GLOBAL GRP 857,815 841,859 43.23 44.43 6.40 29.464 3548 TRAVELERS GRP 759,905 783,529 43.23 44.03 5.67 35.135 176 STATE FARM GRP 633,287 638,455 42.79 43.65 4.72 39.856 38 CHUBB & SON INC GRP 608,244 602,564 32.26 31.21 4.54 44.397 12 AMERICAN INTL GRP 583,315 733,246 35.41 35.67 4.35 48.748 212 ZURICH INS GRP 573,103 698,642 37.18 38.49 4.27 53.019 761 ALLIANZ INS GRP 567,745 603,633 55.03 57.58 4.23 57.2510 19 ASSURANT INC GRP 370,351 384,718 35.22 35.41 2.76 60.0111 150 OLD REPUBLIC GRP 368,822 372,745 56.38 56.76 2.75 62.7612 626 ACE LTD GRP 285,432 281,727 13.57 13.53 2.13 64.8913 91 HARTFORD FIRE & CAS GRP 242,422 279,280 51.87 51.69 1.81 66.6914 84 AMERICAN FINANCIAL GRP 231,695 272,914 32.14 33.47 1.73 68.4215 8 ALLSTATE INS GRP 224,216 236,642 34.29 34.89 1.67 70.0916 155 PROGRESSIVE GRP 209,648 207,348 46.97 47.29 1.56 71.6617 796 QBE INS GRP 182,264 185,691 28.86 29.95 1.36 73.0218 140 NATIONWIDE CORP GRP 180,883 187,940 29.59 30.16 1.35 74.3719 200 UNITED SERV AUTOMOBILE ASSN GRP 151,380 146,775 38.39 38.83 1.13 75.5020 785 MARKEL CORP GRP 146,792 153,689 57.04 57.69 1.09 76.5921 88 THE HANOVER INS GRP 138,154 130,430 46.70 48.22 1.03 77.6222 361 MUNICH RE GRP 121,147 127,933 41.00 41.29 0.90 78.5223 27928 AMEX ASSUR CO 117,833 118,276 43.84 44.08 0.88 79.4024 280 AUTO OWNERS GRP 97,573 100,367 40.16 40.69 0.73 80.1325 14354 JEWELERS MUT INS CO 94,936 93,963 49.04 49.79 0.71 80.8426 1129 WHITE MOUNTAINS GRP 87,045 83,343 29.09 30.19 0.65 81.4927 158 FAIRFAX FIN GRP 84,319 86,068 39.96 39.88 0.63 82.1228 1279 ARCH INS GRP 80,592 87,863 47.91 48.76 0.60 82.7229 17 LIFE OF THE SOUTH CORP GRP 78,837 73,927 18.22 18.25 0.59 83.3130 468 AEGON US HOLDING GRP 77,397 77,092 59.13 59.40 0.58 83.8831 98 WR BERKLEY CORP GRP 72,321 71,168 38.31 39.45 0.54 84.4232 228 WESTFIELD GRP 67,747 69,402 32.45 32.69 0.51 84.9333 244 CINCINNATI FIN GRP 65,208 67,402 32.39 33.36 0.49 85.4134 181 SWISS RE GRP 64,322 67,251 22.19 18.48 0.48 85.8935 1285 XL AMER GRP 63,647 75,791 45.14 44.63 0.47 86.3736 501 ALLEGHANY GRP 60,831 67,288 16.78 17.39 0.45 86.8237 242 SELECTIVE INS GRP 57,509 58,768 25.67 26.00 0.43 87.2538 62 EMC INS CO GRP 48,978 49,328 29.72 29.91 0.37 87.6239 2538 AMTRUST FINANCIAL SERV GRP 48,024 16,347 32.55 32.57 0.36 87.9740 169 SENTRY INS GRP 46,882 51,964 47.86 48.11 0.35 88.3241 783 RLI INS GRP 43,004 41,974 7.41 8.99 0.32 88.6442 29530 AXA ART INS CORP 42,425 43,089 18.29 21.56 0.32 88.9643 408 AMERICAN NATL FIN GRP 40,870 39,260 47.25 47.54 0.30 89.2744 869 MINNESOTA MUT GRP 40,775 34,409 51.40 53.90 0.30 89.5745 4254 THE WARRANTY GRP 39,347 40,922 59.42 59.42 0.29 89.8646 225 IAT REINS CO GRP 37,472 38,337 30.32 32.68 0.28 90.1447 661 BCBS OF SC GRP 34,674 34,674 64.17 64.17 0.26 90.4048 241 METROPOLITAN GRP 34,655 34,875 27.95 27.99 0.26 90.6649 253 HARLEYSVILLE GRP 33,302 33,791 51.68 52.37 0.25 90.9150 4636 MAX CAPITAL GRP 31,591 25,014 33.77 31.22 0.24 91.1451 13757 FARM BUREAU MUT INS CO OF AR INC 31,140 30,548 60.39 60.66 0.23 91.3852 32727 UNDERWRITERS AT LLOYDS 30,278 34,166 52.63 53.16 0.23 91.6053 31 BERKSHIRE HATHAWAY GRP 30,104 32,300 50.90 52.42 0.22 91.8354 510 NAVIGATORS GRP 28,667 28,435 35.61 36.11 0.21 92.0455 767 PENNSYLVANIA MANUFACTURERS GRP 28,263 27,938 18.63 30.40 0.21 92.2556 175 STATE AUTO MUT GRP 28,094 29,407 35.48 36.24 0.21 92.4657 26565 OHIO IND CO 28,020 21,647 36.98 41.36 0.21 92.6758 677 PHILADELPHIA CONSOLIDATED HOLDING GR 25,155 47,119 49.84 60.77 0.19 92.8659 93 STATE NATL GRP 24,983 31,545 54.97 55.89 0.19 93.0460 4574 CATLIN US INS GRP 23,898 22,162 66.84 67.05 0.18 93.2261 809 TEXAS FARM BUREAU MUT GRP 23,713 22,443 78.49 78.69 0.18 93.4062 457 ARGONAUT GRP 23,531 25,989 127.93 128.44 0.18 93.5763 14184 ACUITY A MUT INS CO 23,437 23,939 24.89 24.94 0.17 93.7564 248 UNITED FIRE & CAS GRP 21,423 22,055 30.53 31.04 0.16 93.9165 1243 WEST BEND MUT GRP 20,537 20,540 29.73 29.91 0.15 94.06




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 748 MEADOWBROOK INS GRP 20,259 20,059 47.58 48.84 0.15 94.2167 7 FEDERATED MUT GRP 19,947 21,255 29.40 30.39 0.15 94.3668 213 ERIE INS GRP 19,751 19,670 31.56 32.29 0.15 94.5169 291 MOTORISTS MUT GRP 19,076 18,976 33.70 33.75 0.14 94.6570 574 AMERCO CORP GRP 19,025 19,044 15.17 17.94 0.14 94.7971 920 UNITED AMER IND GRP 18,912 20,043 57.21 65.00 0.14 94.9372 3416 AXIS CAPITAL GRP 16,847 22,427 88.65 91.13 0.13 95.0673 262 CANAL GRP 16,428 19,265 36.32 36.63 0.12 95.1874 1309 FRANKENMUTH GRP 15,206 15,273 21.60 23.00 0.11 95.3075 271 PENNSYLVANIA NATL INS GRP 14,854 15,443 28.64 28.54 0.11 95.4176 984 HCC INS HOLDINGS GRP 13,748 10,698 25.22 25.41 0.10 95.5177 23 BCS INS GRP 13,430 13,430 33.29 33.52 0.10 95.6178 324 NORTH CAROLINA FARM BUREAU GRP 12,316 12,271 40.54 40.49 0.09 95.7079 36 CENTRAL MUT INS CO GRP 12,003 12,631 26.58 26.57 0.09 95.7980 922 AMERICAN ASSETS GRP 11,231 8,507 0.65 0.85 0.08 95.8781 1278 CALIFORNIA STATE AUTO GRP 11,070 10,906 34.45 35.05 0.08 95.9682 28 AMICA MUT GRP 11,036 10,888 42.15 42.87 0.08 96.0483 215 UNITRIN GRP 10,788 11,172 21.63 21.62 0.08 96.1284 3098 TOKIO MARINE HOLDINGS INC GRP 10,715 10,117 27.20 21.83 0.08 96.2085 267 GRANGE MUT CAS GRP 10,394 10,431 42.01 42.51 0.08 96.2886 749 SCOR GRP 10,204 8,912 -3.92 -4.17 0.08 96.3587 518 GRINNELL MUT GRP 9,386 9,473 29.75 30.12 0.07 96.4288 67 MICHIGAN FARM BUREAU GRP 9,299 9,395 33.44 34.19 0.07 96.4989 22 ANDOVER GRP 8,735 8,842 24.02 24.17 0.07 96.5690 5 ALFA INS GRP 8,027 8,000 31.67 31.97 0.06 96.6291 4666 HISCOX INS GRP 7,980 8,979 54.08 55.18 0.06 96.6892 309 WESTERN NATL MUT 7,931 7,709 21.64 21.55 0.06 96.7493 483 SOUTHERN FARM BUREAU CAS GRP 7,865 7,939 64.85 66.77 0.06 96.7994 10817 PLATEAU CAS INS CO 7,693 7,684 18.18 18.18 0.06 96.8595 41459 ARMED FORCES INS EXCH 7,312 7,455 22.68 22.79 0.05 96.9196 306 CUNA MUT GRP 7,305 9,263 68.33 68.33 0.05 96.9697 1318 AUTO CLUB ENTERPRISES INS GRP 7,284 7,250 35.71 36.38 0.05 97.0298 246 INDIANA LUMBERMENS GRP 7,065 8,541 161.99 164.85 0.05 97.0799 123 SHELTER INS GRP 7,051 6,966 43.58 43.98 0.05 97.12100 14427 LOUISIANA FARM BUREAU MUT INS CO 6,991 6,890 47.47 47.68 0.05 97.17101 474 FCCI MUT INS GRP 6,633 6,693 16.19 16.19 0.05 97.22102 513 IOWA FARM BUREAU GRP 6,627 6,065 32.36 32.35 0.05 97.27103 1 AETNA GRP 6,499 2,332 62.15 62.15 0.05 97.32104 816 COMMERCE INC GRP 6,194 5,966 29.30 29.35 0.05 97.37105 333 MUTUAL OF ENUMCLAW GRP 6,162 6,183 26.42 26.68 0.05 97.41106 698 NORTH STAR CO GRP 6,020 5,909 23.71 23.74 0.04 97.46107 124 AMERISURE CO GRP 5,870 6,355 59.46 60.77 0.04 97.50108 3569 CATERPILLAR GRP 5,818 19,002 36.69 36.69 0.04 97.54109 23108 LUMBERMENS UNDERWRITING ALLIANCE 5,750 6,340 86.63 86.68 0.04 97.59110 697 VAN ENT GRP 5,716 6,244 37.14 42.01 0.04 97.63111 210 TITUS GRP 5,583 5,658 4.63 4.63 0.04 97.67112 802 CAPITAL INS GRP 5,409 5,369 18.94 18.92 0.04 97.71113 1281 BANKAMERICA CORP GRP 5,352 9,984 13.76 13.93 0.04 97.75114 586 ARBELLA INS GRP 5,257 5,013 24.50 24.34 0.04 97.79115 517 HANNOVER GRP 5,220 5,313 -170.54 -138.24 0.04 97.83116 14974 PENNSYLVANIA LUMBERMENS MUT INS 5,179 4,754 47.76 47.88 0.04 97.87117 71 UNIVERSAL INS CO GRP 4,931 8,833 8.36 9.20 0.04 97.91118 214 ALLIANCE INS GRP 4,807 4,732 41.08 41.57 0.04 97.94119 12866 T H E INS CO 4,520 4,464 36.54 36.94 0.03 97.97120 153 PEKIN INS GRP 4,518 4,445 28.75 28.65 0.03 98.01121 842 FARM BUREAU GRP 4,452 4,493 74.38 74.85 0.03 98.04122 411 MAPFRE INS GRP 4,376 6,212 5.20 5.99 0.03 98.07123 456 LANCER FINANCIAL GRP 4,332 4,182 56.53 60.72 0.03 98.11124 18 AMERICAN ROAD GRP 4,250 4,250 -1.34 -1.34 0.03 98.14125 50 COUNTRY INS & FIN SERV GRP 4,187 6,807 17.68 17.97 0.03 98.17

**INDUSTRY TOTAL** 13,408,738 13,948,623 45.31 45.93 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 111 LIBERTY MUT GRP 31,543 31,586 95.32 95.34 14.58 14.582 661 BCBS OF SC GRP 21,416 21,416 50.57 50.57 9.90 24.473 218 CNA INS GRP 21,358 21,227 58.80 58.80 9.87 34.344 176 STATE FARM GRP 16,749 16,707 46.27 47.02 7.74 42.085 3548 TRAVELERS GRP 10,999 10,822 52.12 52.86 5.08 47.166 84 AMERICAN FINANCIAL GRP 7,745 8,985 35.11 36.96 3.58 50.747 5 ALFA INS GRP 6,719 6,671 34.07 34.42 3.10 53.848 150 OLD REPUBLIC GRP 6,295 6,330 63.20 64.03 2.91 56.759 12 AMERICAN INTL GRP 5,395 9,407 740.47 735.27 2.49 59.2510 155 PROGRESSIVE GRP 5,316 5,292 43.77 43.87 2.46 61.70

**STATE TOTAL** 216,418 232,713 83.80 84.52 100.00 100.00. .

Alaska 1 12 AMERICAN INTL GRP 93,389 94,023 5.81 5.98 74.79 74.792 65 FM GLOBAL GRP 5,324 5,110 6.45 6.55 4.26 79.063 176 STATE FARM GRP 2,996 2,953 50.06 50.86 2.40 81.464 761 ALLIANZ INS GRP 2,414 2,245 54.37 55.15 1.93 83.395 218 CNA INS GRP 2,350 2,224 68.77 68.62 1.88 85.276 8 ALLSTATE INS GRP 2,339 2,347 23.35 23.41 1.87 87.147 84 AMERICAN FINANCIAL GRP 2,306 2,542 0.15 0.61 1.85 88.998 38733 ALASKA NATL INS CO 2,026 2,100 10.98 10.58 1.62 90.619 626 ACE LTD GRP 1,950 2,019 -14.03 -19.78 1.56 92.1810 3548 TRAVELERS GRP 1,168 1,137 46.21 45.73 0.94 93.11

**STATE TOTAL** 124,864 125,160 10.30 10.09 100.00 100.00. .

Arizona 1 111 LIBERTY MUT GRP 42,124 42,240 59.12 59.77 21.53 21.532 218 CNA INS GRP 14,025 14,170 66.49 66.42 7.17 28.703 212 ZURICH INS GRP 12,958 15,951 4.14 5.56 6.62 35.324 176 STATE FARM GRP 11,862 11,974 50.80 63.34 6.06 41.385 150 OLD REPUBLIC GRP 10,643 10,667 61.29 61.65 5.44 46.826 3548 TRAVELERS GRP 9,309 10,063 42.16 42.79 4.76 51.587 761 ALLIANZ INS GRP 8,413 8,637 79.07 82.00 4.30 55.888 38 CHUBB & SON INC GRP 6,697 7,064 66.18 61.88 3.42 59.309 65 FM GLOBAL GRP 6,568 6,490 18.67 17.99 3.36 62.6610 12 AMERICAN INTL GRP 6,404 6,579 126.88 116.03 3.27 65.93

**STATE TOTAL** 195,654 205,691 48.55 49.59 100.00 100.00. .

Arkansas 1 13757 FARM BUREAU MUT INS CO OF AR INC 31,140 30,548 60.39 60.66 21.05 21.052 218 CNA INS GRP 19,963 20,012 55.23 55.17 13.50 34.553 150 OLD REPUBLIC GRP 14,410 14,594 56.24 56.46 9.74 44.294 176 STATE FARM GRP 8,396 8,325 48.50 51.10 5.68 49.975 65 FM GLOBAL GRP 7,855 7,961 74.77 75.75 5.31 55.286 3548 TRAVELERS GRP 7,447 7,607 133.87 135.48 5.03 60.317 212 ZURICH INS GRP 5,020 5,771 85.72 87.49 3.39 63.718 111 LIBERTY MUT GRP 4,001 4,064 124.40 124.02 2.70 66.419 19 ASSURANT INC GRP 3,090 3,506 33.96 34.06 2.09 68.5010 155 PROGRESSIVE GRP 2,302 2,241 57.85 58.45 1.56 70.06

**STATE TOTAL** 147,913 152,724 74.01 74.06 100.00 100.00. .

California 1 111 LIBERTY MUT GRP 275,039 276,202 56.77 56.86 16.42 16.422 65 FM GLOBAL GRP 235,974 225,254 1.48 1.58 14.09 30.503 218 CNA INS GRP 138,515 139,327 75.25 75.50 8.27 38.774 761 ALLIANZ INS GRP 112,277 123,909 48.75 49.81 6.70 45.485 212 ZURICH INS GRP 91,788 106,359 26.93 26.62 5.48 50.956 796 QBE INS GRP 72,516 67,592 14.21 14.47 4.33 55.287 3548 TRAVELERS GRP 62,002 64,862 28.78 28.29 3.70 58.988 176 STATE FARM GRP 60,344 60,815 39.76 40.40 3.60 62.599 12 AMERICAN INTL GRP 50,278 60,174 47.60 47.91 3.00 65.5910 38 CHUBB & SON INC GRP 47,974 50,583 34.15 32.13 2.86 68.45

**STATE TOTAL** 1,675,195 1,749,544 33.66 34.04 100.00 100.00. .

Colorado 1 111 LIBERTY MUT GRP 30,934 31,101 62.38 62.42 16.17 16.172 3548 TRAVELERS GRP 18,343 20,262 44.32 45.38 9.59 25.763 212 ZURICH INS GRP 14,821 21,364 45.11 47.27 7.75 33.514 176 STATE FARM GRP 11,005 10,997 40.92 40.65 5.75 39.265 218 CNA INS GRP 10,756 10,876 61.38 61.33 5.62 44.88




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 761 ALLIANZ INS GRP 9,881 10,259 87.87 90.78 5.17 50.057 12 AMERICAN INTL GRP 9,643 10,915 8.19 7.20 5.04 55.098 38 CHUBB & SON INC GRP 9,569 9,552 14.21 14.78 5.00 60.099 65 FM GLOBAL GRP 6,987 7,026 336.73 354.53 3.65 63.7410 150 OLD REPUBLIC GRP 5,561 6,050 33.96 34.12 2.91 66.65

**STATE TOTAL** 191,291 207,526 55.98 57.19 100.00 100.00. .

Connecticut 1 111 LIBERTY MUT GRP 27,860 27,811 53.71 53.80 13.05 13.052 181 SWISS RE GRP 25,098 25,049 28.31 28.28 11.76 24.813 38 CHUBB & SON INC GRP 24,538 24,322 25.67 25.34 11.50 36.314 218 CNA INS GRP 14,353 14,401 68.77 68.73 6.72 43.035 761 ALLIANZ INS GRP 11,952 13,123 40.44 46.48 5.60 48.636 3548 TRAVELERS GRP 11,703 12,199 22.69 24.01 5.48 54.127 1285 XL AMER GRP 9,736 5,418 11.89 11.90 4.56 58.688 65 FM GLOBAL GRP 9,238 9,557 16.66 16.77 4.33 63.019 12 AMERICAN INTL GRP 6,871 8,331 31.13 31.24 3.22 66.2310 626 ACE LTD GRP 5,713 2,278 136.44 137.77 2.68 68.90

**STATE TOTAL** 213,434 210,953 37.22 37.85 100.00 100.00. .

Delaware 1 111 LIBERTY MUT GRP 9,980 10,006 60.13 60.18 23.71 23.712 4254 THE WARRANTY GRP 5,887 10,616 38.91 38.91 13.99 37.693 218 CNA INS GRP 3,854 3,932 63.00 63.09 9.15 46.854 176 STATE FARM GRP 2,006 2,003 44.81 44.73 4.77 51.615 212 ZURICH INS GRP 1,706 1,450 58.80 59.89 4.05 55.676 38 CHUBB & SON INC GRP 1,626 1,662 80.27 77.65 3.86 59.537 3548 TRAVELERS GRP 1,445 1,571 26.23 26.02 3.43 62.968 140 NATIONWIDE CORP GRP 1,138 1,164 32.92 33.09 2.70 65.669 12 AMERICAN INTL GRP 841 815 103.69 105.28 2.00 67.6610 761 ALLIANZ INS GRP 813 885 515.13 517.60 1.93 69.59

**STATE TOTAL** 42,097 47,021 58.43 58.56 100.00 100.00. .

District of Columbia 1 111 LIBERTY MUT GRP 25,633 25,617 63.97 63.98 39.43 39.432 38 CHUBB & SON INC GRP 4,437 4,500 -13.39 -14.14 6.83 46.263 12 AMERICAN INTL GRP 3,567 3,784 227.11 230.94 5.49 51.754 626 ACE LTD GRP 3,530 4,240 -46.93 -47.14 5.43 57.185 3548 TRAVELERS GRP 3,466 4,476 28.43 28.52 5.33 62.516 218 CNA INS GRP 3,129 3,214 114.68 114.55 4.81 67.327 761 ALLIANZ INS GRP 2,494 2,649 31.83 32.62 3.84 71.168 65 FM GLOBAL GRP 2,267 2,166 12.89 13.31 3.49 74.659 749 SCOR GRP 2,116 1,496 0.00 0.00 3.26 77.9010 158 FAIRFAX FIN GRP 1,654 1,653 56.59 55.72 2.54 80.45

**STATE TOTAL** 65,004 68,737 53.88 54.14 100.00 100.00. .

Florida 1 111 LIBERTY MUT GRP 81,439 81,770 61.53 61.63 10.26 10.262 218 CNA INS GRP 80,012 80,863 70.24 70.43 10.08 20.343 155 PROGRESSIVE GRP 60,986 61,783 40.71 40.95 7.68 28.024 12 AMERICAN INTL GRP 56,840 64,669 -12.51 -13.03 7.16 35.195 176 STATE FARM GRP 48,261 53,495 49.98 51.55 6.08 41.276 212 ZURICH INS GRP 38,053 49,661 22.26 24.06 4.79 46.067 150 OLD REPUBLIC GRP 32,005 32,057 51.04 51.07 4.03 50.098 3548 TRAVELERS GRP 31,345 33,922 65.52 66.62 3.95 54.049 38 CHUBB & SON INC GRP 29,744 33,901 34.18 33.67 3.75 57.7910 65 FM GLOBAL GRP 26,737 26,176 20.34 20.64 3.37 61.16

**STATE TOTAL** 793,740 864,924 36.66 37.91 100.00 100.00. .

Georgia 1 111 LIBERTY MUT GRP 73,746 74,455 62.72 62.89 17.40 17.402 626 ACE LTD GRP 47,252 47,488 33.91 35.30 11.15 28.553 218 CNA INS GRP 36,312 36,408 64.74 64.74 8.57 37.114 176 STATE FARM GRP 23,791 24,060 50.59 50.52 5.61 42.735 38 CHUBB & SON INC GRP 19,361 18,703 35.60 35.12 4.57 47.306 150 OLD REPUBLIC GRP 18,515 18,573 59.63 59.82 4.37 51.667 3548 TRAVELERS GRP 18,316 18,827 58.30 59.44 4.32 55.988 17 LIFE OF THE SOUTH CORP GRP 14,268 13,568 12.58 12.60 3.37 59.359 761 ALLIANZ INS GRP 13,563 13,409 44.33 44.92 3.20 62.5510 65 FM GLOBAL GRP 12,853 12,617 689.58 699.32 3.03 65.58




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 423,857 439,992 65.00 65.93 100.00 100.00. .

Hawaii 1 111 LIBERTY MUT GRP 8,488 8,487 63.93 64.01 21.12 21.122 761 ALLIANZ INS GRP 7,508 8,727 27.43 27.86 18.68 39.803 218 CNA INS GRP 6,180 6,264 46.10 46.05 15.37 55.174 12 AMERICAN INTL GRP 2,157 3,919 21.96 22.66 5.37 60.545 65 FM GLOBAL GRP 2,135 1,904 894.64 1153.49 5.31 65.856 361 MUNICH RE GRP 1,563 1,428 39.91 40.27 3.89 69.747 4636 MAX CAPITAL GRP 1,540 722 82.36 82.74 3.83 73.578 84 AMERICAN FINANCIAL GRP 1,275 1,379 15.48 15.41 3.17 76.749 200 UNITED SERV AUTOMOBILE ASSN GRP 997 959 50.61 50.88 2.48 79.2210 176 STATE FARM GRP 898 890 28.79 28.82 2.23 81.45

**STATE TOTAL** 40,194 45,494 71.35 82.23 100.00 100.00. .

Idaho 1 111 LIBERTY MUT GRP 10,582 10,770 70.32 70.22 21.09 21.092 842 FARM BUREAU GRP 4,452 4,493 74.38 74.85 8.88 29.973 3548 TRAVELERS GRP 3,446 3,418 37.34 37.58 6.87 36.844 150 OLD REPUBLIC GRP 3,361 3,251 56.25 56.43 6.70 43.545 218 CNA INS GRP 2,875 2,774 59.53 59.44 5.73 49.276 176 STATE FARM GRP 2,341 2,324 40.54 40.85 4.67 53.947 65 FM GLOBAL GRP 2,181 2,820 -5.59 -5.59 4.35 58.288 761 ALLIANZ INS GRP 1,862 1,780 35.85 36.29 3.71 62.009 212 ZURICH INS GRP 1,853 2,921 8.56 41.39 3.69 65.6910 155 PROGRESSIVE GRP 1,004 1,004 39.70 39.85 2.00 67.69

**STATE TOTAL** 50,165 53,172 41.60 43.59 100.00 100.00. .

Illinois 1 111 LIBERTY MUT GRP 68,310 68,397 61.25 61.34 12.80 12.802 218 CNA INS GRP 44,535 45,301 72.04 72.06 8.35 21.153 176 STATE FARM GRP 43,672 43,637 43.01 43.95 8.19 29.344 38 CHUBB & SON INC GRP 35,776 35,717 43.76 42.73 6.71 36.055 19 ASSURANT INC GRP 35,407 35,274 72.18 72.22 6.64 42.686 3548 TRAVELERS GRP 33,709 37,081 100.43 103.02 6.32 49.007 4254 THE WARRANTY GRP 23,804 20,246 63.80 63.80 4.46 53.468 12 AMERICAN INTL GRP 20,074 24,676 19.90 20.41 3.76 57.239 65 FM GLOBAL GRP 19,479 19,143 49.07 49.49 3.65 60.8810 761 ALLIANZ INS GRP 16,751 16,294 53.00 55.63 3.14 64.02

**STATE TOTAL** 533,471 546,969 52.83 53.64 100.00 100.00. .

Indiana 1 218 CNA INS GRP 32,217 32,758 60.45 60.48 15.50 15.502 111 LIBERTY MUT GRP 27,631 28,011 63.11 63.37 13.29 28.793 176 STATE FARM GRP 15,326 15,379 37.22 37.39 7.37 36.164 3548 TRAVELERS GRP 12,887 12,389 37.32 41.03 6.20 42.365 65 FM GLOBAL GRP 9,289 9,349 -34.96 -34.91 4.47 46.836 984 HCC INS HOLDINGS GRP 6,936 3,310 75.23 75.23 3.34 50.177 12 AMERICAN INTL GRP 5,838 14,434 44.22 45.50 2.81 52.978 280 AUTO OWNERS GRP 5,460 5,603 31.75 32.33 2.63 55.609 38 CHUBB & SON INC GRP 4,744 5,420 44.44 42.09 2.28 57.8810 91 HARTFORD FIRE & CAS GRP 4,538 4,540 43.41 47.14 2.18 60.07

**STATE TOTAL** 207,883 216,929 57.50 58.59 100.00 100.00. .

Iowa 1 19 ASSURANT INC GRP 25,925 26,749 38.81 38.82 16.69 16.692 111 LIBERTY MUT GRP 10,412 10,391 62.44 62.42 6.70 23.393 176 STATE FARM GRP 8,768 8,728 30.08 31.77 5.64 29.044 91 HARTFORD FIRE & CAS GRP 8,667 8,656 61.48 63.47 5.58 34.615 65 FM GLOBAL GRP 8,655 8,837 227.48 217.48 5.57 40.196 140 NATIONWIDE CORP GRP 6,620 6,666 38.14 38.16 4.26 44.457 3548 TRAVELERS GRP 6,515 6,054 25.86 26.61 4.19 48.648 12 AMERICAN INTL GRP 5,875 7,408 58.05 61.75 3.78 52.429 38 CHUBB & SON INC GRP 5,859 9,485 23.52 22.64 3.77 56.1910 150 OLD REPUBLIC GRP 5,761 5,752 54.07 55.93 3.71 59.90

**STATE TOTAL** 155,347 161,283 61.60 61.79 100.00 100.00. .

Kansas 1 150 OLD REPUBLIC GRP 13,913 14,051 58.85 58.91 10.70 10.702 218 CNA INS GRP 10,241 10,366 59.67 59.61 7.88 18.583 3548 TRAVELERS GRP 9,830 9,765 82.33 84.86 7.56 26.14




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 111 LIBERTY MUT GRP 7,603 7,603 62.38 62.59 5.85 31.985 176 STATE FARM GRP 6,761 6,739 38.37 39.09 5.20 37.186 761 ALLIANZ INS GRP 6,596 7,142 49.69 51.35 5.07 42.257 62 EMC INS CO GRP 6,238 6,156 11.69 11.61 4.80 47.058 65 FM GLOBAL GRP 5,797 6,047 103.59 104.92 4.46 51.519 91 HARTFORD FIRE & CAS GRP 4,647 4,669 24.40 29.22 3.57 55.0810 31 BERKSHIRE HATHAWAY GRP 4,257 4,140 64.21 64.22 3.27 58.36

**STATE TOTAL** 130,029 132,288 47.23 47.77 100.00 100.00. .

Kentucky 1 32727 UNDERWRITERS AT LLOYDS 30,278 34,166 52.63 53.16 15.74 15.742 218 CNA INS GRP 19,245 18,974 61.71 63.29 10.00 25.743 84 AMERICAN FINANCIAL GRP 10,888 12,598 35.47 34.75 5.66 31.404 65 FM GLOBAL GRP 9,950 9,705 529.74 539.00 5.17 36.575 111 LIBERTY MUT GRP 9,698 9,870 51.05 51.13 5.04 41.616 181 SWISS RE GRP 9,676 12,530 39.10 38.04 5.03 46.647 17 LIFE OF THE SOUTH CORP GRP 8,962 8,289 13.55 13.57 4.66 51.308 3548 TRAVELERS GRP 7,498 6,948 28.59 29.50 3.90 55.209 12 AMERICAN INTL GRP 7,417 10,068 34.32 35.14 3.86 59.0510 19 ASSURANT INC GRP 7,249 7,188 32.61 32.87 3.77 62.82

**STATE TOTAL** 192,384 204,482 70.15 71.13 100.00 100.00. .

Louisiana 1 218 CNA INS GRP 50,325 50,504 68.25 68.22 15.82 15.822 12 AMERICAN INTL GRP 31,615 38,361 74.03 74.28 9.94 25.763 212 ZURICH INS GRP 27,571 34,248 23.50 26.57 8.67 34.434 111 LIBERTY MUT GRP 20,825 20,874 54.24 54.37 6.55 40.975 176 STATE FARM GRP 19,119 18,868 37.60 38.54 6.01 46.996 3548 TRAVELERS GRP 18,114 18,101 28.67 28.81 5.69 52.687 761 ALLIANZ INS GRP 16,008 16,212 47.42 49.82 5.03 57.718 17 LIFE OF THE SOUTH CORP GRP 13,394 13,204 2.85 2.85 4.21 61.929 19 ASSURANT INC GRP 12,248 12,223 11.66 11.64 3.85 65.7710 65 FM GLOBAL GRP 12,001 9,720 71.02 70.27 3.77 69.55

**STATE TOTAL** 318,087 332,609 45.45 46.20 100.00 100.00. .

Maine 1 111 LIBERTY MUT GRP 7,179 7,238 43.53 43.87 14.51 14.512 19 ASSURANT INC GRP 6,898 6,943 50.94 50.89 13.94 28.453 218 CNA INS GRP 3,116 2,827 43.17 43.10 6.30 34.754 3548 TRAVELERS GRP 3,023 2,892 30.94 31.49 6.11 40.875 1129 WHITE MOUNTAINS GRP 2,562 2,810 21.96 22.03 5.18 46.046 98 WR BERKLEY CORP GRP 2,184 2,351 17.37 14.68 4.42 50.467 88 THE HANOVER INS GRP 2,071 2,016 29.68 30.37 4.19 54.658 65 FM GLOBAL GRP 1,986 2,008 129.09 132.54 4.02 58.669 155 PROGRESSIVE GRP 1,879 1,773 35.20 34.81 3.80 62.4610 176 STATE FARM GRP 1,513 1,520 42.15 42.98 3.06 65.52

**STATE TOTAL** 49,471 50,361 44.35 44.72 100.00 100.00. .

Maryland 1 111 LIBERTY MUT GRP 30,378 30,455 60.65 60.83 14.71 14.712 218 CNA INS GRP 26,071 26,262 91.68 91.69 12.63 27.343 3548 TRAVELERS GRP 14,830 14,662 25.28 25.40 7.18 34.524 38 CHUBB & SON INC GRP 14,438 12,698 58.86 58.03 6.99 41.515 176 STATE FARM GRP 12,329 12,338 44.12 44.46 5.97 47.486 761 ALLIANZ INS GRP 11,728 11,564 43.45 44.11 5.68 53.167 8 ALLSTATE INS GRP 8,192 8,449 30.74 31.13 3.97 57.138 212 ZURICH INS GRP 8,078 7,887 18.95 22.16 3.91 61.049 12 AMERICAN INTL GRP 6,000 7,247 -7.22 -7.91 2.91 63.9510 140 NATIONWIDE CORP GRP 5,993 6,188 38.02 38.64 2.90 66.85

**STATE TOTAL** 206,488 214,061 47.00 47.13 100.00 100.00. .

Massachusetts 1 111 LIBERTY MUT GRP 50,254 50,377 46.04 46.20 19.58 19.582 38 CHUBB & SON INC GRP 27,716 29,879 29.08 28.15 10.80 30.383 3548 TRAVELERS GRP 18,552 19,190 -20.54 -22.54 7.23 37.604 218 CNA INS GRP 17,000 17,465 75.36 75.54 6.62 44.235 65 FM GLOBAL GRP 13,010 12,497 13.75 13.52 5.07 49.306 761 ALLIANZ INS GRP 10,626 10,612 36.21 36.51 4.14 53.447 88 THE HANOVER INS GRP 7,808 7,413 28.33 29.60 3.04 56.488 212 ZURICH INS GRP 7,780 8,878 53.77 55.68 3.03 59.51




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 84 AMERICAN FINANCIAL GRP 6,309 6,286 31.50 31.60 2.46 61.9710 1129 WHITE MOUNTAINS GRP 6,182 6,851 23.18 24.22 2.41 64.38

**STATE TOTAL** 256,676 266,887 32.01 32.29 100.00 100.00. .

Michigan 1 111 LIBERTY MUT GRP 37,757 38,035 63.18 63.17 12.79 12.792 218 CNA INS GRP 34,689 35,394 71.46 71.47 11.75 24.543 280 AUTO OWNERS GRP 20,816 21,802 54.46 55.28 7.05 31.594 176 STATE FARM GRP 19,961 20,361 52.89 54.05 6.76 38.355 150 OLD REPUBLIC GRP 15,751 15,813 60.48 60.68 5.33 43.686 88 THE HANOVER INS GRP 13,504 13,348 31.52 31.78 4.57 48.267 3548 TRAVELERS GRP 11,641 12,893 61.11 61.77 3.94 52.208 761 ALLIANZ INS GRP 10,923 11,098 40.30 42.29 3.70 55.909 65 FM GLOBAL GRP 9,440 9,142 23.89 23.73 3.20 59.0910 67 MICHIGAN FARM BUREAU GRP 9,299 9,395 33.44 34.19 3.15 62.24

**STATE TOTAL** 295,256 312,645 54.05 54.70 100.00 100.00. .

Minnesota 1 176 STATE FARM GRP 23,111 23,136 30.94 31.41 11.53 11.532 111 LIBERTY MUT GRP 19,897 19,780 60.48 61.60 9.92 21.453 3548 TRAVELERS GRP 12,775 14,041 47.73 47.97 6.37 27.824 218 CNA INS GRP 11,177 11,029 74.02 74.00 5.57 33.405 150 OLD REPUBLIC GRP 9,121 9,790 71.03 72.67 4.55 37.956 65 FM GLOBAL GRP 8,813 8,635 14.46 14.77 4.40 42.347 280 AUTO OWNERS GRP 8,540 8,620 34.56 35.12 4.26 46.608 212 ZURICH INS GRP 8,037 8,830 17.65 18.14 4.01 50.619 761 ALLIANZ INS GRP 6,144 5,725 40.07 40.61 3.06 53.6710 38 CHUBB & SON INC GRP 5,312 5,440 43.24 42.89 2.65 56.32

**STATE TOTAL** 200,502 205,263 38.55 39.07 100.00 100.00. .

Mississippi 1 218 CNA INS GRP 14,375 14,315 59.78 59.77 12.41 12.412 212 ZURICH INS GRP 9,718 12,497 19.27 21.06 8.39 20.803 12 AMERICAN INTL GRP 7,220 11,995 21.97 20.54 6.23 27.044 176 STATE FARM GRP 7,124 7,159 36.34 35.90 6.15 33.195 483 SOUTHERN FARM BUREAU CAS GRP 6,709 6,757 72.97 75.19 5.79 38.986 3548 TRAVELERS GRP 6,494 7,098 35.70 35.86 5.61 44.597 65 FM GLOBAL GRP 6,246 6,315 -5.95 -6.34 5.39 49.988 19 ASSURANT INC GRP 4,320 5,747 4.66 4.61 3.73 53.719 111 LIBERTY MUT GRP 3,898 3,777 66.98 67.13 3.37 57.0810 10817 PLATEAU CAS INS CO 3,061 3,036 15.24 15.24 2.64 59.72

**STATE TOTAL** 115,816 131,721 29.89 30.46 100.00 100.00. .

Missouri 1 218 CNA INS GRP 31,961 32,313 66.28 66.59 14.65 14.652 65 FM GLOBAL GRP 21,194 22,630 8.82 8.78 9.71 24.363 176 STATE FARM GRP 19,364 19,403 37.70 38.85 8.87 33.244 3548 TRAVELERS GRP 18,527 18,958 21.64 21.28 8.49 41.735 111 LIBERTY MUT GRP 15,543 15,523 55.87 55.96 7.12 48.856 150 OLD REPUBLIC GRP 8,757 8,867 57.65 58.05 4.01 52.867 761 ALLIANZ INS GRP 7,801 7,605 70.90 71.94 3.58 56.448 91 HARTFORD FIRE & CAS GRP 7,288 8,168 34.69 31.75 3.34 59.789 212 ZURICH INS GRP 6,812 11,063 -7.00 -6.61 3.12 62.9010 19 ASSURANT INC GRP 6,474 8,492 39.75 40.16 2.97 65.87

**STATE TOTAL** 218,191 231,178 36.53 36.75 100.00 100.00. .

Montana 1 111 LIBERTY MUT GRP 12,421 12,504 59.78 59.74 28.75 28.752 150 OLD REPUBLIC GRP 4,040 4,042 57.60 59.18 9.35 38.113 3548 TRAVELERS GRP 3,155 3,028 54.56 54.44 7.30 45.414 212 ZURICH INS GRP 2,052 2,692 19.44 19.20 4.75 50.165 176 STATE FARM GRP 1,965 1,919 43.59 43.27 4.55 54.716 65 FM GLOBAL GRP 1,630 1,501 274.24 278.80 3.77 58.487 12 AMERICAN INTL GRP 1,480 2,246 11.77 12.22 3.43 61.918 62 EMC INS CO GRP 1,470 1,525 8.14 8.12 3.40 65.319 761 ALLIANZ INS GRP 1,440 1,542 36.15 39.75 3.33 68.6410 91 HARTFORD FIRE & CAS GRP 905 1,002 23.44 13.41 2.09 70.74

**STATE TOTAL** 43,198 45,603 53.46 54.19 100.00 100.00. .

Nebraska 1 140 NATIONWIDE CORP GRP 21,512 21,530 4.73 4.73 18.47 18.47




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 150 OLD REPUBLIC GRP 15,295 15,301 61.25 61.35 13.14 31.613 12 AMERICAN INTL GRP 8,558 11,479 73.94 73.87 7.35 38.964 91 HARTFORD FIRE & CAS GRP 7,386 7,759 37.71 38.25 6.34 45.305 176 STATE FARM GRP 5,648 5,622 48.59 48.73 4.85 50.156 31 BERKSHIRE HATHAWAY GRP 5,165 5,277 39.26 39.45 4.44 54.597 111 LIBERTY MUT GRP 5,045 5,075 67.22 67.46 4.33 58.928 3548 TRAVELERS GRP 4,014 4,072 57.06 56.84 3.45 62.379 65 FM GLOBAL GRP 3,571 2,777 232.31 286.58 3.07 65.4310 62 EMC INS CO GRP 3,380 3,401 17.77 17.80 2.90 68.34

**STATE TOTAL** 116,445 119,668 45.61 46.88 100.00 100.00. .

Nevada 1 111 LIBERTY MUT GRP 16,313 16,330 67.32 67.38 16.19 16.192 218 CNA INS GRP 12,931 12,944 65.61 65.72 12.83 29.023 212 ZURICH INS GRP 11,523 9,268 -18.72 -16.76 11.44 40.464 65 FM GLOBAL GRP 11,338 10,400 10.40 10.89 11.25 51.715 3548 TRAVELERS GRP 4,772 5,829 41.57 41.43 4.74 56.456 176 STATE FARM GRP 3,980 4,062 61.09 66.54 3.95 60.407 38 CHUBB & SON INC GRP 3,825 3,485 17.38 16.83 3.80 64.198 1129 WHITE MOUNTAINS GRP 2,167 2,050 43.80 43.85 2.15 66.359 14354 JEWELERS MUT INS CO 2,122 2,172 49.47 49.84 2.11 68.4510 12 AMERICAN INTL GRP 2,044 2,828 30.00 30.64 2.03 70.48

**STATE TOTAL** 100,759 109,070 37.19 38.31 100.00 100.00. .

New Hampshire 1 111 LIBERTY MUT GRP 9,704 9,742 81.11 81.31 20.63 20.632 19 ASSURANT INC GRP 2,554 3,005 28.58 28.54 5.43 26.063 218 CNA INS GRP 1,996 1,924 60.56 60.56 4.24 30.314 176 STATE FARM GRP 1,983 2,018 29.45 29.89 4.22 34.525 98 WR BERKLEY CORP GRP 1,964 2,087 23.87 21.82 4.18 38.706 212 ZURICH INS GRP 1,685 1,925 20.05 20.68 3.58 42.287 88 THE HANOVER INS GRP 1,678 1,305 593.15 596.44 3.57 45.858 38 CHUBB & SON INC GRP 1,610 1,550 26.86 26.22 3.42 49.279 3548 TRAVELERS GRP 1,532 1,712 42.55 45.34 3.26 52.5310 155 PROGRESSIVE GRP 1,431 1,414 40.92 40.74 3.04 55.57

**STATE TOTAL** 47,029 48,516 58.16 58.43 100.00 100.00. .

New Jersey 1 111 LIBERTY MUT GRP 74,150 74,854 60.60 60.88 19.58 19.582 38 CHUBB & SON INC GRP 35,549 36,433 49.68 49.12 9.39 28.973 218 CNA INS GRP 29,376 30,066 88.40 88.40 7.76 36.734 3548 TRAVELERS GRP 22,663 24,058 31.89 33.18 5.99 42.725 19 ASSURANT INC GRP 21,647 21,698 5.67 5.69 5.72 48.446 761 ALLIANZ INS GRP 18,988 20,309 36.99 38.90 5.02 53.457 12 AMERICAN INTL GRP 14,720 15,666 -12.19 -10.91 3.89 57.348 176 STATE FARM GRP 11,651 11,638 33.15 32.95 3.08 60.429 65 FM GLOBAL GRP 11,215 11,147 22.97 24.17 2.96 63.3810 8 ALLSTATE INS GRP 10,258 10,595 28.79 29.49 2.71 66.09

**STATE TOTAL** 378,611 393,876 40.93 41.55 100.00 100.00. .

New Mexico 1 111 LIBERTY MUT GRP 15,500 15,589 62.92 62.95 22.47 22.472 150 OLD REPUBLIC GRP 7,984 8,058 69.68 69.94 11.58 34.053 3548 TRAVELERS GRP 4,973 5,171 35.08 35.20 7.21 41.264 212 ZURICH INS GRP 4,051 5,922 210.40 214.83 5.87 47.135 218 CNA INS GRP 4,015 4,098 78.43 78.59 5.82 52.956 761 ALLIANZ INS GRP 2,733 3,198 27.17 28.52 3.96 56.917 12 AMERICAN INTL GRP 2,381 2,539 15.12 14.71 3.45 60.378 176 STATE FARM GRP 2,311 2,284 51.39 52.30 3.35 63.729 38 CHUBB & SON INC GRP 1,711 1,615 62.44 62.12 2.48 66.2010 791 MOUNTAIN STATES INS CO GRP 1,664 1,873 15.03 15.04 2.41 68.61

**STATE TOTAL** 68,972 72,515 63.69 64.38 100.00 100.00. .

New York 1 111 LIBERTY MUT GRP 219,082 219,162 62.16 62.25 22.39 22.392 38 CHUBB & SON INC GRP 127,585 123,372 20.92 19.81 13.04 35.433 3548 TRAVELERS GRP 68,747 71,241 33.32 34.17 7.03 42.464 218 CNA INS GRP 63,710 66,365 104.07 104.16 6.51 48.975 761 ALLIANZ INS GRP 50,877 52,949 54.52 57.22 5.20 54.176 12 AMERICAN INTL GRP 37,463 33,134 15.19 16.68 3.83 58.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 212 ZURICH INS GRP 33,195 38,013 99.26 93.05 3.39 61.398 65 FM GLOBAL GRP 31,013 30,365 33.12 33.62 3.17 64.569 8 ALLSTATE INS GRP 21,777 22,661 25.98 26.57 2.23 66.7810 176 STATE FARM GRP 21,751 21,576 34.37 34.60 2.22 69.01

**STATE TOTAL** 978,460 981,856 51.62 51.50 100.00 100.00. .

North Carolina 1 111 LIBERTY MUT GRP 45,575 46,601 58.83 58.85 13.06 13.062 218 CNA INS GRP 27,613 27,884 78.53 78.53 7.91 20.973 150 OLD REPUBLIC GRP 27,123 27,181 56.45 56.65 7.77 28.744 19 ASSURANT INC GRP 24,821 26,446 45.00 45.03 7.11 35.855 176 STATE FARM GRP 15,336 15,423 35.22 35.60 4.39 40.246 3548 TRAVELERS GRP 13,649 15,530 29.43 29.77 3.91 44.157 140 NATIONWIDE CORP GRP 12,870 13,212 33.59 34.18 3.69 47.848 65 FM GLOBAL GRP 12,793 13,320 44.12 45.15 3.67 51.519 324 NORTH CAROLINA FARM BUREAU GRP 12,316 12,271 40.54 40.49 3.53 55.0310 212 ZURICH INS GRP 11,353 13,506 38.98 33.57 3.25 58.29

**STATE TOTAL** 349,047 363,847 42.64 42.74 100.00 100.00. .

North Dakota 1 150 OLD REPUBLIC GRP 4,256 4,224 64.66 65.14 11.21 11.212 111 LIBERTY MUT GRP 4,049 4,058 62.19 62.22 10.66 21.873 212 ZURICH INS GRP 3,603 3,807 161.65 163.99 9.48 31.354 3548 TRAVELERS GRP 3,231 3,137 24.72 25.48 8.51 39.865 65 FM GLOBAL GRP 1,984 2,356 3.90 4.13 5.22 45.086 176 STATE FARM GRP 1,894 1,857 24.27 24.34 4.99 50.077 12 AMERICAN INTL GRP 1,361 1,673 86.29 89.10 3.58 53.658 280 AUTO OWNERS GRP 1,262 1,227 26.70 26.61 3.32 56.989 84 AMERICAN FINANCIAL GRP 1,163 1,274 -20.41 -19.79 3.06 60.0410 62 EMC INS CO GRP 1,046 1,011 27.39 27.37 2.75 62.79

**STATE TOTAL** 37,983 38,846 53.11 53.93 100.00 100.00. .

Ohio 1 111 LIBERTY MUT GRP 63,549 63,584 60.91 60.95 16.33 16.332 38 CHUBB & SON INC GRP 41,184 28,854 33.93 33.59 10.58 26.913 218 CNA INS GRP 27,549 27,958 60.69 60.69 7.08 33.984 228 WESTFIELD GRP 24,868 25,350 30.40 31.04 6.39 40.375 176 STATE FARM GRP 21,948 21,940 47.45 49.86 5.64 46.016 3548 TRAVELERS GRP 16,386 16,591 32.91 33.83 4.21 50.227 65 FM GLOBAL GRP 15,997 14,878 -4.06 -3.47 4.11 54.338 150 OLD REPUBLIC GRP 15,083 15,213 56.01 56.04 3.87 58.209 244 CINCINNATI FIN GRP 12,664 12,835 30.18 30.80 3.25 61.4610 761 ALLIANZ INS GRP 12,475 13,045 43.64 43.86 3.20 64.66

**STATE TOTAL** 389,263 389,558 37.50 38.59 100.00 100.00. .

Oklahoma 1 218 CNA INS GRP 19,831 20,036 57.55 57.52 12.14 12.142 212 ZURICH INS GRP 15,653 19,095 64.08 64.21 9.58 21.723 3548 TRAVELERS GRP 14,704 14,164 42.39 42.91 9.00 30.724 19 ASSURANT INC GRP 12,584 12,377 67.45 67.45 7.70 38.435 84 AMERICAN FINANCIAL GRP 9,090 10,037 45.60 47.49 5.56 43.996 176 STATE FARM GRP 8,935 8,774 46.54 48.48 5.47 49.467 88 THE HANOVER INS GRP 7,691 7,023 47.03 47.24 4.71 54.178 111 LIBERTY MUT GRP 7,067 7,010 50.15 50.19 4.33 58.509 150 OLD REPUBLIC GRP 5,361 5,523 40.82 40.93 3.28 61.7810 761 ALLIANZ INS GRP 5,111 5,464 34.71 36.32 3.13 64.91

**STATE TOTAL** 163,351 172,382 50.07 50.35 100.00 100.00. .

Oregon 1 111 LIBERTY MUT GRP 23,495 23,746 57.29 57.35 17.16 17.162 65 FM GLOBAL GRP 22,741 23,332 68.04 69.12 16.61 33.783 218 CNA INS GRP 10,058 9,981 54.14 54.06 7.35 41.134 761 ALLIANZ INS GRP 8,654 7,552 43.53 44.05 6.32 47.455 176 STATE FARM GRP 8,389 8,362 38.23 38.13 6.13 53.586 3548 TRAVELERS GRP 5,831 5,934 -1.28 -1.58 4.26 57.847 12 AMERICAN INTL GRP 5,525 5,571 11.10 11.27 4.04 61.878 19 ASSURANT INC GRP 4,900 4,905 46.07 46.07 3.58 65.459 212 ZURICH INS GRP 4,600 6,187 8.21 8.96 3.36 68.8110 38 CHUBB & SON INC GRP 3,040 3,093 26.55 26.26 2.22 71.03

**STATE TOTAL** 136,885 141,061 42.11 42.55 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Pennsylvania 1 111 LIBERTY MUT GRP 71,981 72,280 56.62 56.95 17.69 17.69

2 218 CNA INS GRP 36,429 36,676 63.85 63.87 8.95 26.643 3548 TRAVELERS GRP 28,718 28,779 38.32 39.51 7.06 33.704 38 CHUBB & SON INC GRP 23,659 23,011 31.76 31.02 5.81 39.515 65 FM GLOBAL GRP 22,770 22,743 56.19 57.05 5.60 45.116 761 ALLIANZ INS GRP 17,571 18,058 47.83 48.98 4.32 49.427 12 AMERICAN INTL GRP 16,469 22,995 5.28 5.90 4.05 53.478 176 STATE FARM GRP 16,422 16,345 39.89 40.72 4.04 57.519 212 ZURICH INS GRP 10,977 12,395 24.90 26.26 2.70 60.2010 8 ALLSTATE INS GRP 10,209 10,468 31.76 31.91 2.51 62.71

**STATE TOTAL** 406,945 420,918 43.92 44.18 100.00 100.00. .

Rhode Island 1 111 LIBERTY MUT GRP 8,017 7,963 60.30 60.75 16.05 16.052 65 FM GLOBAL GRP 3,698 3,510 -23.29 -23.90 7.40 23.463 1129 WHITE MOUNTAINS GRP 3,136 2,906 18.60 19.30 6.28 29.744 761 ALLIANZ INS GRP 2,901 2,885 213.41 255.20 5.81 35.555 23 BCS INS GRP 2,669 2,669 21.86 21.77 5.35 40.896 218 CNA INS GRP 2,411 2,373 77.40 77.46 4.83 45.727 3548 TRAVELERS GRP 2,143 2,126 200.04 210.57 4.29 50.028 38 CHUBB & SON INC GRP 2,056 2,222 30.52 29.26 4.12 54.139 1279 ARCH INS GRP 1,990 1,875 51.05 51.14 3.98 58.1210 626 ACE LTD GRP 1,951 1,945 -44.35 -51.74 3.91 62.03

**STATE TOTAL** 49,933 51,930 49.56 52.25 100.00 100.00. .

South Carolina 1 111 LIBERTY MUT GRP 30,015 30,492 64.05 64.11 16.04 16.042 19 ASSURANT INC GRP 16,818 16,984 31.05 33.72 8.99 25.023 17 LIFE OF THE SOUTH CORP GRP 16,289 15,553 22.62 22.65 8.70 33.734 150 OLD REPUBLIC GRP 13,706 13,760 58.27 58.50 7.32 41.055 218 CNA INS GRP 12,173 12,293 71.11 71.09 6.50 47.556 176 STATE FARM GRP 11,010 11,034 35.31 35.20 5.88 53.447 3548 TRAVELERS GRP 7,827 8,069 40.93 41.17 4.18 57.628 65 FM GLOBAL GRP 7,100 7,284 68.75 69.42 3.79 61.419 212 ZURICH INS GRP 6,851 9,028 2.56 6.57 3.66 65.0710 8 ALLSTATE INS GRP 4,946 5,868 26.00 26.39 2.64 67.71

**STATE TOTAL** 187,161 195,825 40.76 41.30 100.00 100.00. .

South Dakota 1 150 OLD REPUBLIC GRP 4,947 4,918 60.79 61.00 13.71 13.712 111 LIBERTY MUT GRP 3,855 3,857 61.53 61.49 10.69 24.403 361 MUNICH RE GRP 2,303 2,586 11.61 11.36 6.38 30.784 176 STATE FARM GRP 2,124 2,089 31.16 31.77 5.89 36.675 91 HARTFORD FIRE & CAS GRP 2,020 2,049 23.73 22.88 5.60 42.276 3548 TRAVELERS GRP 1,375 1,660 7.07 6.31 3.81 46.087 280 AUTO OWNERS GRP 1,232 1,167 45.06 45.72 3.42 49.508 14184 ACUITY A MUT INS CO 1,163 1,168 31.02 31.84 3.22 52.729 140 NATIONWIDE CORP GRP 1,147 1,131 23.23 23.22 3.18 55.9010 212 ZURICH INS GRP 1,106 1,082 24.90 24.61 3.07 58.96

**STATE TOTAL** 36,077 37,188 36.95 37.10 100.00 100.00. .

Tennessee 1 111 LIBERTY MUT GRP 53,833 53,716 62.78 62.82 18.87 18.872 2538 AMTRUST FINANCIAL SERV GRP 37,499 5,573 54.18 54.18 13.14 32.013 65 FM GLOBAL GRP 20,860 20,236 -2.90 -2.84 7.31 39.334 218 CNA INS GRP 20,796 20,772 61.76 61.73 7.29 46.615 176 STATE FARM GRP 18,052 17,906 49.65 50.17 6.33 52.946 3548 TRAVELERS GRP 12,111 12,515 42.32 42.52 4.25 57.197 19 ASSURANT INC GRP 11,067 13,302 25.50 25.55 3.88 61.078 761 ALLIANZ INS GRP 7,677 8,212 286.39 288.16 2.69 63.769 12 AMERICAN INTL GRP 6,795 9,164 6.25 10.33 2.38 66.1410 212 ZURICH INS GRP 6,084 8,309 39.77 43.76 2.13 68.27

**STATE TOTAL** 285,294 263,411 52.47 53.16 100.00 100.00. .

Texas 1 218 CNA INS GRP 161,491 161,650 64.21 64.29 13.64 13.642 111 LIBERTY MUT GRP 133,429 135,121 57.60 57.78 11.27 24.913 3548 TRAVELERS GRP 113,848 106,756 55.65 57.01 9.62 34.524 212 ZURICH INS GRP 104,156 122,529 26.28 30.26 8.80 43.32




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 12 AMERICAN INTL GRP 59,303 75,230 75.98 78.43 5.01 48.336 38 CHUBB & SON INC GRP 53,487 49,987 29.00 27.20 4.52 52.857 761 ALLIANZ INS GRP 45,236 47,614 56.64 58.50 3.82 56.678 176 STATE FARM GRP 38,006 37,918 50.34 50.45 3.21 59.889 150 OLD REPUBLIC GRP 37,152 37,561 54.23 54.77 3.14 63.0210 65 FM GLOBAL GRP 33,241 31,993 -22.78 -27.01 2.81 65.82

**STATE TOTAL** 1,183,993 1,226,261 48.54 48.91 100.00 100.00. .

Utah 1 65 FM GLOBAL GRP 10,222 9,591 -0.18 -0.07 12.69 12.692 111 LIBERTY MUT GRP 8,031 8,304 56.14 56.08 9.97 22.663 3548 TRAVELERS GRP 7,927 8,225 21.74 21.49 9.84 32.514 218 CNA INS GRP 4,416 4,333 63.11 63.46 5.48 37.995 212 ZURICH INS GRP 4,099 4,961 -3.30 -1.35 5.09 43.086 176 STATE FARM GRP 3,662 3,678 43.20 45.36 4.55 47.637 761 ALLIANZ INS GRP 3,592 4,324 47.03 49.67 4.46 52.098 150 OLD REPUBLIC GRP 2,807 2,858 45.24 45.45 3.49 55.579 280 AUTO OWNERS GRP 2,347 2,616 27.23 27.37 2.91 58.4810 8 ALLSTATE INS GRP 2,345 2,536 35.02 34.57 2.91 61.40

**STATE TOTAL** 80,540 86,953 31.88 32.23 100.00 100.00. .

Vermont 1 218 CNA INS GRP 2,839 2,938 43.70 43.71 12.14 12.142 111 LIBERTY MUT GRP 2,583 2,612 29.10 29.27 11.05 23.193 408 AMERICAN NATL FIN GRP 1,432 1,502 62.11 62.29 6.12 29.314 98 WR BERKLEY CORP GRP 1,248 1,347 23.44 21.40 5.34 34.655 3548 TRAVELERS GRP 1,070 1,074 2.23 2.36 4.57 39.226 65 FM GLOBAL GRP 936 890 92.24 92.23 4.00 43.227 12 AMERICAN INTL GRP 789 1,096 2273.80 2340.95 3.37 46.608 181 SWISS RE GRP 708 478 -0.07 -0.07 3.03 49.629 155 PROGRESSIVE GRP 676 638 43.51 43.58 2.89 52.5110 38 CHUBB & SON INC GRP 602 614 29.89 29.52 2.57 55.09

**STATE TOTAL** 23,388 23,706 137.74 140.94 100.00 100.00. .

Virginia 1 111 LIBERTY MUT GRP 39,940 40,069 62.00 62.14 14.57 14.572 218 CNA INS GRP 29,406 29,085 77.42 77.46 10.73 25.303 3548 TRAVELERS GRP 19,597 19,930 24.59 24.83 7.15 32.454 176 STATE FARM GRP 16,370 16,342 43.78 44.46 5.97 38.425 12 AMERICAN INTL GRP 12,451 12,600 17.63 17.98 4.54 42.966 150 OLD REPUBLIC GRP 12,219 12,334 53.19 53.22 4.46 47.427 65 FM GLOBAL GRP 10,427 10,377 18.32 18.53 3.80 51.228 200 UNITED SERV AUTOMOBILE ASSN GRP 9,366 8,994 42.48 43.06 3.42 54.649 38 CHUBB & SON INC GRP 8,942 8,796 16.63 15.88 3.26 57.9010 761 ALLIANZ INS GRP 8,749 9,239 54.14 55.76 3.19 61.09

**STATE TOTAL** 274,116 281,508 43.64 44.06 100.00 100.00. .

Washington 1 65 FM GLOBAL GRP 56,650 55,479 2.76 2.88 20.52 20.522 111 LIBERTY MUT GRP 47,257 47,924 63.00 63.52 17.12 37.633 218 CNA INS GRP 18,127 19,029 116.65 118.88 6.57 44.204 3548 TRAVELERS GRP 14,519 14,769 41.62 42.99 5.26 49.465 212 ZURICH INS GRP 14,081 15,052 38.48 39.27 5.10 54.566 176 STATE FARM GRP 13,075 13,028 50.01 41.84 4.74 59.307 12 AMERICAN INTL GRP 9,873 15,582 6.99 7.21 3.58 62.878 761 ALLIANZ INS GRP 8,062 9,492 70.89 72.63 2.92 65.799 8 ALLSTATE INS GRP 7,745 7,783 43.31 43.73 2.81 68.6010 4254 THE WARRANTY GRP 6,287 6,287 82.97 82.97 2.28 70.87

**STATE TOTAL** 276,093 290,403 44.79 45.31 100.00 100.00. .

West Virginia 1 218 CNA INS GRP 7,262 7,364 50.38 50.37 13.39 13.392 3548 TRAVELERS GRP 5,505 5,612 57.93 61.85 10.15 23.543 19 ASSURANT INC GRP 4,779 4,788 51.53 51.60 8.81 32.364 228 WESTFIELD GRP 3,984 4,179 23.61 23.60 7.35 39.715 150 OLD REPUBLIC GRP 3,060 3,052 60.35 60.38 5.64 45.356 111 LIBERTY MUT GRP 2,984 3,026 58.38 58.38 5.50 50.857 176 STATE FARM GRP 2,540 2,527 39.63 40.52 4.68 55.548 761 ALLIANZ INS GRP 2,047 4,124 52.59 55.29 3.78 59.319 65 FM GLOBAL GRP 1,826 2,299 1.25 11.71 3.37 62.68




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 140 NATIONWIDE CORP GRP 1,572 1,641 34.44 35.17 2.90 65.58**STATE TOTAL** 54,223 62,980 39.06 40.02 100.00 100.00

. .Wisconsin 1 785 MARKEL CORP GRP 34,913 34,856 96.52 96.59 15.54 15.54

2 19 ASSURANT INC GRP 21,080 21,095 55.23 55.24 9.38 24.933 761 ALLIANZ INS GRP 12,990 13,227 70.01 72.23 5.78 30.714 218 CNA INS GRP 12,935 12,973 65.07 65.15 5.76 36.475 176 STATE FARM GRP 11,671 11,646 30.98 32.60 5.20 41.666 150 OLD REPUBLIC GRP 11,113 11,345 54.27 55.13 4.95 46.617 3548 TRAVELERS GRP 10,518 10,858 37.82 38.29 4.68 51.298 1243 WEST BEND MUT GRP 9,449 9,329 27.40 27.55 4.21 55.509 111 LIBERTY MUT GRP 9,435 9,467 56.40 56.36 4.20 59.7010 14184 ACUITY A MUT INS CO 8,638 8,946 22.68 22.48 3.85 63.54

**STATE TOTAL** 224,641 236,048 49.41 49.71 100.00 100.00. .

Wyoming 1 111 LIBERTY MUT GRP 6,495 6,604 55.67 55.59 17.49 17.492 150 OLD REPUBLIC GRP 3,903 4,118 53.71 53.74 10.51 28.003 3548 TRAVELERS GRP 3,864 3,824 73.26 72.89 10.41 38.404 212 ZURICH INS GRP 2,872 3,539 -10.66 -11.43 7.73 46.145 761 ALLIANZ INS GRP 2,847 2,740 23.33 24.12 7.67 53.806 12 AMERICAN INTL GRP 2,616 3,909 4.25 4.19 7.04 60.857 84 AMERICAN FINANCIAL GRP 1,270 1,558 26.55 26.76 3.42 64.278 176 STATE FARM GRP 1,245 1,231 26.31 26.43 3.35 67.629 65 FM GLOBAL GRP 1,143 1,255 -54.46 -14.50 3.08 70.7010 62 EMC INS CO GRP 1,096 1,161 20.49 20.65 2.95 73.65

**STATE TOTAL** 37,137 39,201 34.24 35.90 100.00 100.00. .

American Samoa 1 65 FM GLOBAL GRP 4 5 19028.73 19291.93 66.56 66.562 468 AEGON US HOLDING GRP 2 2 22.54 22.54 27.05 93.61

**STATE TOTAL** 6 7 12432.10 12603.95 100.00 100.00. .

Guam 1 18380 PACIFIC IND INS CO 304 286 -1.40 -1.40 32.67 32.672 4672 DONGBU INS GRP 127 139 2.20 4.60 13.70 46.383 471 WELLS FARGO GRP 126 53 12.83 12.83 13.56 59.944 12633 CENTURY INS CO GU LTD 118 22 0.00 0.00 12.69 72.635 65 FM GLOBAL GRP 101 118 0.00 0.00 10.89 83.526 626 ACE LTD GRP 87 207 -52.40 -54.33 9.36 92.887 200 UNITED SERV AUTOMOBILE ASSN GRP 52 50 21.76 21.99 5.63 98.518 13635 NIPPONKOA INS CO LTD 6 6 0.00 0.00 0.59 99.119 1285 XL AMER GRP 3 3 0.00 0.00 0.32 99.4210 10972 FIRST NET INS CO 3 3 0.00 0.00 0.28 99.70

**STATE TOTAL** 929 889 -6.27 -6.33 100.00 100.00. .

Puerto Rico 1 19 ASSURANT INC GRP 29,792 29,672 58.49 58.49 33.94 33.942 218 CNA INS GRP 23,654 22,676 46.46 46.46 26.94 60.883 65 FM GLOBAL GRP 10,072 9,644 2.16 2.17 11.47 72.354 761 ALLIANZ INS GRP 5,581 5,099 88.35 92.68 6.36 78.715 12 AMERICAN INTL GRP 4,492 8,130 399.32 420.08 5.12 83.836 411 MAPFRE INS GRP 4,299 5,927 5.46 6.28 4.90 88.737 40568 TRIPLE S PROPIEDAD INC 2,360 3,902 16.87 17.32 2.69 91.418 10140 OPTIMA INS CO 1,902 1,824 13.71 13.71 2.17 93.589 626 ACE LTD GRP 1,299 1,372 26.21 26.18 1.48 95.0610 71 UNIVERSAL INS CO GRP 1,205 1,340 55.07 59.93 1.37 96.43

**STATE TOTAL** 87,789 93,339 75.58 79.00 100.00 100.00. .

U.S. Virgin Islands 1 218 CNA INS GRP 1,753 1,854 80.15 80.15 64.62 64.622 212 ZURICH INS GRP 669 674 5.61 5.61 24.66 89.273 411 MAPFRE INS GRP 77 286 0.00 0.00 2.84 92.114 65 FM GLOBAL GRP 56 48 0.00 0.00 2.06 94.175 14354 JEWELERS MUT INS CO 41 44 3.62 3.62 1.50 95.676 27928 AMEX ASSUR CO 30 30 155.89 156.05 1.11 96.797 501 ALLEGHANY GRP 27 24 0.90 0.94 1.01 97.808 200 UNITED SERV AUTOMOBILE ASSN GRP 27 26 72.97 73.34 0.98 98.789 12588 PRIME INS CO 15 19 321.80 317.77 0.54 99.3210 12 AMERICAN INTL GRP 14 58 -147.83 -147.83 0.50 99.83




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 2,713 3,083 53.99 54.08 100.00 100.00. .

N. Mariana Islands 1 471 WELLS FARGO GRP 83 84 27.90 27.90 97.72 97.722 65 FM GLOBAL GRP 2 2 0.00 0.00 1.98 99.70

**STATE TOTAL** 85 86 27.06 26.88 100.00 100.00. .

Canada 1 65 FM GLOBAL GRP 80,215 81,269 37.40 37.37 34.30 34.302 111 LIBERTY MUT GRP 31,509 41,315 46.55 38.18 13.47 47.783 218 CNA INS GRP 26,223 26,816 23.11 25.09 11.21 58.994 761 ALLIANZ INS GRP 25,543 21,853 5.97 9.80 10.92 69.925 176 STATE FARM GRP 16,493 16,460 39.92 40.28 7.05 76.976 3548 TRAVELERS GRP 13,569 17,485 35.72 35.59 5.80 82.777 19 ASSURANT INC GRP 10,062 9,894 17.42 17.42 4.30 87.078 84 AMERICAN FINANCIAL GRP 9,632 10,604 12.93 13.32 4.12 91.199 91 HARTFORD FIRE & CAS GRP 7,969 8,041 72.45 72.95 3.41 94.6010 1279 ARCH INS GRP 4,933 4,290 20.32 21.62 2.11 96.71

**STATE TOTAL** 233,841 246,315 35.20 34.47 100.00 100.00. .

Aggregate Other Alien 1 626 ACE LTD GRP 20,211 16,102 75.88 92.92 21.41 21.412 1279 ARCH INS GRP 18,648 18,648 60.63 63.83 19.75 41.163 65 FM GLOBAL GRP 17,142 18,439 15.66 15.83 18.16 59.324 12 AMERICAN INTL GRP 14,618 20,001 -441.86 -455.52 15.49 74.815 212 ZURICH INS GRP 7,304 8,761 128.17 127.01 7.74 82.556 38 CHUBB & SON INC GRP 4,782 5,849 24.57 23.12 5.07 87.617 111 LIBERTY MUT GRP 2,126 2,505 98.79 117.53 2.25 89.878 98 WR BERKLEY CORP GRP 1,788 1,623 34.52 34.52 1.89 91.769 4666 HISCOX INS GRP 1,644 2,152 17.67 17.67 1.74 93.5010 3548 TRAVELERS GRP 1,115 2,950 41.49 43.32 1.18 94.68

**STATE TOTAL** 94,400 101,448 -50.37 -46.75 100.00 100.00. .




10— Financial Guaranty



States, U.S. Territories, Canada, and Aggregate Other Alien10-Financial Guaranty



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 194 ASSURED GUAR GRP 901,582 656,702 86.16 87.56 46.90 46.902 528 MBIA GRP 407,682 791,099 253.56 289.55 21.21 68.103 1248 AMBAC ASSUR CORP GRP 325,119 715,505 194.60 210.13 16.91 85.014 4676 SYNCORA HOLDINGS GRP 87,334 150,786 -1064.87 -1051.61 4.54 89.565 1135 PMI GRP 86,253 178,388 1044.87 1047.37 4.49 94.046 766 RADIAN GRP 46,526 91,965 180.70 184.86 2.42 96.467 31 BERKSHIRE HATHAWAY GRP 33,106 20,192 0.00 0.00 1.72 98.188 4687 CIFG GRP 26,959 41,982 5407.86 5413.90 1.40 99.59

**INDUSTRY TOTAL** 1,922,495 2,663,065 250.43 266.98 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 194 ASSURED GUAR GRP 17,501 2,365 -2725.98 -2698.86 94.63 94.632 4676 SYNCORA HOLDINGS GRP 504 3,853 3127.39 3299.50 2.73 97.353 1248 AMBAC ASSUR CORP GRP 268 4,694 -33.48 -32.53 1.45 98.804 1135 PMI GRP 143 892 -22.55 -6.85 0.77 99.57

**STATE TOTAL** 18,495 14,609 373.32 424.50 100.00 100.00. .

Alaska 1 194 ASSURED GUAR GRP 1,517 2,339 1301.22 1301.53 66.90 66.902 528 MBIA GRP 470 1,932 0.00 0.00 20.74 87.643 4687 CIFG GRP 229 252 0.00 0.00 10.09 97.73

**STATE TOTAL** 2,268 5,243 580.52 580.65 100.00 100.00. .

Arizona 1 194 ASSURED GUAR GRP 5,136 2,028 0.00 0.00 79.99 79.992 1248 AMBAC ASSUR CORP GRP 1,205 9,178 0.00 0.00 18.77 98.76

**STATE TOTAL** 6,420 17,482 -0.03 -0.01 100.00 100.00. .

Arkansas 1 194 ASSURED GUAR GRP 3,660 2,271 5248.76 5293.81 52.04 52.042 1248 AMBAC ASSUR CORP GRP 3,337 6,031 0.00 0.00 47.45 99.49

**STATE TOTAL** 7,033 9,509 1253.38 1265.51 100.00 100.00. .

California 1 194 ASSURED GUAR GRP 65,805 28,558 71.46 71.46 72.39 72.392 1248 AMBAC ASSUR CORP GRP 17,268 67,821 435.48 448.36 19.00 91.393 528 MBIA GRP 3,682 60,844 0.38 0.79 4.05 95.444 4676 SYNCORA HOLDINGS GRP 2,807 9,665 -1106.30 -1132.81 3.09 98.535 1135 PMI GRP 1,075 11,796 0.00 0.00 1.18 99.71

**STATE TOTAL** 90,901 182,111 115.43 120.84 100.00 100.00. .

Colorado 1 194 ASSURED GUAR GRP 8,460 6,099 0.00 0.00 70.66 70.662 1248 AMBAC ASSUR CORP GRP 3,481 10,872 0.00 0.00 29.07 99.74

**STATE TOTAL** 11,972 37,887 -0.05 -0.05 100.00 100.00. .

Connecticut 1 1248 AMBAC ASSUR CORP GRP 7,933 16,101 0.00 0.02 68.99 68.992 194 ASSURED GUAR GRP 3,392 1,768 0.00 0.00 29.50 98.493 766 RADIAN GRP 119 917 0.00 -0.15 1.04 99.53

**STATE TOTAL** 11,499 23,908 0.00 0.16 100.00 100.00. .

Delaware 1 194 ASSURED GUAR GRP 53,815 56,722 59.27 59.32 75.41 75.412 1248 AMBAC ASSUR CORP GRP 9,203 22,284 489.01 492.00 12.90 88.313 528 MBIA GRP 7,991 8,588 0.00 0.00 11.20 99.50

**STATE TOTAL** 71,363 88,458 161.20 161.98 100.00 100.00. .

District of Columbia 1 31 BERKSHIRE HATHAWAY GRP 2,077 252 0.00 0.00 91.16 91.16**STATE TOTAL** 2,279 13,254 -0.06 -0.06 100.00 100.00

. .Florida 1 194 ASSURED GUAR GRP 35,443 16,136 0.00 0.00 80.00 80.00

2 31 BERKSHIRE HATHAWAY GRP 6,622 230 0.00 0.00 14.95 94.953 1248 AMBAC ASSUR CORP GRP 1,082 21,107 -2.86 -2.85 2.44 97.394 528 MBIA GRP 1,053 20,455 0.00 0.00 2.38 99.77

**STATE TOTAL** 44,303 72,521 149.77 149.87 100.00 100.00. .

Georgia 1 194 ASSURED GUAR GRP 6,708 2,731 -68.74 -68.74 82.65 82.652 1248 AMBAC ASSUR CORP GRP 476 8,260 0.00 0.16 5.86 88.513 4676 SYNCORA HOLDINGS GRP 475 1,010 0.00 0.00 5.85 94.364 1135 PMI GRP 255 1,243 0.00 0.00 3.14 97.51

**STATE TOTAL** 8,116 22,576 -8.33 -8.23 100.00 100.00. .

Hawaii 1 528 MBIA GRP 3,091 3,802 0.00 0.00 52.88 52.882 1248 AMBAC ASSUR CORP GRP 2,048 4,184 0.00 0.00 35.04 87.923 194 ASSURED GUAR GRP 493 625 0.00 0.00 8.44 96.36

**STATE TOTAL** 5,845 9,997 -0.00 -0.00 100.00 100.00. .

Idaho 1 194 ASSURED GUAR GRP 49 321 0.00 0.00 99.23 99.23**STATE TOTAL** 49 5,395 0.00 0.00 100.00 100.00

. .Illinois 1 194 ASSURED GUAR GRP 20,291 17,240 1.21 1.21 53.59 53.59

2 1248 AMBAC ASSUR CORP GRP 16,906 24,527 1318.18 1325.13 44.65 98.23




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


3 22896 ACA FIN GUAR CORP 182 554 0.00 0.00 0.48 98.714 4687 CIFG GRP 137 617 0.00 0.00 0.36 99.085 4676 SYNCORA HOLDINGS GRP 137 815 0.00 0.00 0.36 99.446 528 MBIA GRP 109 7,102 0.69 0.69 0.29 99.73

**STATE TOTAL** 37,867 55,833 575.29 578.00 100.00 100.00. .

Indiana 1 194 ASSURED GUAR GRP 6,594 4,664 0.00 0.00 77.28 77.282 1248 AMBAC ASSUR CORP GRP 1,873 12,279 0.00 0.00 21.95 99.23

**STATE TOTAL** 8,532 25,277 -0.15 -0.09 100.00 100.00. .

Iowa 1 1248 AMBAC ASSUR CORP GRP 2,511 7,481 0.00 0.00 58.68 58.682 194 ASSURED GUAR GRP 1,019 1,133 0.00 0.00 23.80 82.48

**STATE TOTAL** 4,280 10,390 0.00 0.00 100.00 100.00. .

Kansas 1 194 ASSURED GUAR GRP 5,337 1,032 0.00 0.00 70.31 70.312 31 BERKSHIRE HATHAWAY GRP 1,464 40 0.00 0.00 19.29 89.603 1248 AMBAC ASSUR CORP GRP 511 2,636 0.00 0.00 6.74 96.34

**STATE TOTAL** 7,590 6,592 -0.02 -0.02 100.00 100.00. .

Kentucky 1 194 ASSURED GUAR GRP 6,493 1,626 0.00 0.00 88.93 88.932 1248 AMBAC ASSUR CORP GRP 705 2,198 -0.02 -0.02 9.66 98.59

**STATE TOTAL** 7,301 9,419 0.14 0.14 100.00 100.00. .

Louisiana 1 194 ASSURED GUAR GRP 23,002 2,985 0.00 0.00 91.70 91.702 1248 AMBAC ASSUR CORP GRP 993 7,681 0.00 0.44 3.96 95.663 528 MBIA GRP 748 3,300 0.00 0.38 2.98 98.64

**STATE TOTAL** 25,083 22,302 19.19 19.33 100.00 100.00. .

Maine 1 194 ASSURED GUAR GRP 818 985 0.00 0.00 72.41 72.41**STATE TOTAL** 1,129 2,250 -0.10 -0.10 100.00 100.00

. .Maryland 1 194 ASSURED GUAR GRP 13,781 14,758 1209.87 1209.87 84.90 84.90

2 1248 AMBAC ASSUR CORP GRP 1,776 3,345 1817.38 1811.17 10.94 95.84**STATE TOTAL** 16,231 21,501 1113.18 1112.22 100.00 100.00

. .Massachusetts 1 1248 AMBAC ASSUR CORP GRP 12,193 17,002 -154.35 -143.96 68.24 68.24

2 194 ASSURED GUAR GRP 4,286 6,422 32.07 32.07 23.99 92.233 528 MBIA GRP 618 11,413 0.00 0.00 3.46 95.694 4676 SYNCORA HOLDINGS GRP 457 1,275 -12400.16 -12237.08 2.56 98.25

**STATE TOTAL** 17,867 38,899 -465.63 -455.13 100.00 100.00. .

Michigan 1 194 ASSURED GUAR GRP 7,836 5,672 0.00 0.00 75.87 75.872 1248 AMBAC ASSUR CORP GRP 2,177 8,708 0.05 0.05 21.08 96.953 4676 SYNCORA HOLDINGS GRP 246 948 0.00 0.00 2.38 99.334 528 MBIA GRP 58 7,148 0.00 0.00 0.56 99.89

**STATE TOTAL** 10,328 26,389 0.01 0.01 100.00 100.00. .

Minnesota 1 1248 AMBAC ASSUR CORP GRP 14,263 16,107 909.53 913.24 76.18 76.182 194 ASSURED GUAR GRP 2,221 4,453 0.00 0.00 11.86 88.043 4676 SYNCORA HOLDINGS GRP 1,583 1,940 0.00 0.00 8.45 96.49

**STATE TOTAL** 18,723 30,660 474.58 476.53 100.00 100.00. .

Mississippi 1 194 ASSURED GUAR GRP 3,759 968 0.00 0.00 87.82 87.822 1248 AMBAC ASSUR CORP GRP 402 2,427 0.00 0.00 9.40 97.21

**STATE TOTAL** 4,280 6,161 65.85 65.91 100.00 100.00. .

Missouri 1 194 ASSURED GUAR GRP 4,306 1,968 0.00 0.00 66.62 66.622 1248 AMBAC ASSUR CORP GRP 1,988 6,162 0.00 0.24 30.76 97.383 528 MBIA GRP 160 4,104 0.00 589.64 2.47 99.85

**STATE TOTAL** 6,463 12,020 -0.00 201.45 100.00 100.00. .

Montana **STATE TOTAL** 464 1,690 0.00 0.00 100.00 100.00. .

Nebraska 1 31 BERKSHIRE HATHAWAY GRP 2,332 56 0.00 0.00 52.41 52.412 194 ASSURED GUAR GRP 1,648 751 0.00 0.00 37.03 89.44




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


3 4676 SYNCORA HOLDINGS GRP 252 262 0.00 0.00 5.66 95.094 4687 CIFG GRP 112 112 0.00 0.00 2.52 97.61

**STATE TOTAL** 4,449 4,159 0.00 0.00 100.00 100.00. .

Nevada 1 528 MBIA GRP 3,118 1,627 0.00 0.00 56.77 56.772 194 ASSURED GUAR GRP 1,809 5,090 0.00 0.00 32.93 89.703 1248 AMBAC ASSUR CORP GRP 511 6,872 305.29 320.92 9.31 99.01

**STATE TOTAL** 5,493 16,659 125.94 132.39 100.00 100.00. .

New Hampshire 1 194 ASSURED GUAR GRP 440 517 0.00 0.00 44.35 44.352 1248 AMBAC ASSUR CORP GRP 267 1,117 0.00 0.00 26.98 71.333 528 MBIA GRP 224 1,389 0.00 0.00 22.60 93.93

**STATE TOTAL** 991 3,934 0.00 0.03 100.00 100.00. .

New Jersey 1 194 ASSURED GUAR GRP 24,643 22,101 9.05 9.05 88.95 88.952 528 MBIA GRP 1,544 8,779 0.00 0.00 5.57 94.533 1135 PMI GRP 787 5,995 0.00 0.00 2.84 97.36

**STATE TOTAL** 27,704 52,781 3.93 4.10 100.00 100.00. .

New Mexico 1 194 ASSURED GUAR GRP 1,070 524 0.00 0.00 69.74 69.74**STATE TOTAL** 1,534 3,769 51.91 77.43 100.00 100.00

. .New York 1 194 ASSURED GUAR GRP 347,573 303,385 80.50 82.97 33.74 33.74

2 528 MBIA GRP 264,291 331,875 521.69 583.20 25.66 59.403 1248 AMBAC ASSUR CORP GRP 173,728 231,978 193.11 231.80 16.86 76.264 1135 PMI GRP 81,829 82,324 2131.82 2137.07 7.94 84.205 4676 SYNCORA HOLDINGS GRP 75,749 106,573 -1392.54 -1379.90 7.35 91.566 766 RADIAN GRP 42,290 48,492 143.50 146.00 4.11 95.667 4687 CIFG GRP 25,806 29,647 7657.85 7666.41 2.51 98.17

**STATE TOTAL** 1,030,131 1,156,349 435.37 463.36 100.00 100.00. .

North Carolina 1 194 ASSURED GUAR GRP 18,143 4,920 0.00 0.00 82.56 82.562 1248 AMBAC ASSUR CORP GRP 2,758 7,169 0.00 0.00 12.55 95.11

**STATE TOTAL** 21,976 24,506 -0.11 -0.11 100.00 100.00. .

North Dakota 1 194 ASSURED GUAR GRP 161 154 0.00 0.00 93.83 93.832 1248 AMBAC ASSUR CORP GRP 7 1,241 0.00 0.00 4.19 98.02

**STATE TOTAL** 172 1,875 0.00 0.00 100.00 100.00. .

Ohio 1 194 ASSURED GUAR GRP 15,182 4,610 0.00 0.00 88.57 88.572 1248 AMBAC ASSUR CORP GRP 1,704 9,927 0.00 1.12 9.94 98.513 528 MBIA GRP 231 5,336 0.00 0.00 1.35 99.86

**STATE TOTAL** 17,141 27,283 15.88 16.60 100.00 100.00. .

Oklahoma 1 1248 AMBAC ASSUR CORP GRP 1,400 9,510 0.00 0.21 54.94 54.942 194 ASSURED GUAR GRP 716 732 0.00 0.00 28.08 83.02

**STATE TOTAL** 2,548 16,312 -0.21 0.20 100.00 100.00. .

Oregon 1 194 ASSURED GUAR GRP 1,008 1,399 0.00 0.00 96.06 96.062 1248 AMBAC ASSUR CORP GRP 23 7,310 0.00 0.00 2.16 98.22

**STATE TOTAL** 1,050 15,182 -0.01 -0.01 100.00 100.00. .

Pennsylvania 1 194 ASSURED GUAR GRP 45,590 33,481 1.88 1.88 88.31 88.312 766 RADIAN GRP 3,714 7,146 864.48 864.48 7.19 95.503 1248 AMBAC ASSUR CORP GRP 2,262 25,344 66.68 67.83 4.38 99.88

**STATE TOTAL** 51,625 84,636 99.15 99.52 100.00 100.00. .

Rhode Island 1 194 ASSURED GUAR GRP 7,197 861 0.00 0.00 85.98 85.982 1248 AMBAC ASSUR CORP GRP 1,004 1,855 0.00 0.00 12.00 97.973 528 MBIA GRP 150 1,051 0.00 0.00 1.79 99.77

**STATE TOTAL** 8,371 4,700 601.28 617.33 100.00 100.00. .

South Carolina 1 194 ASSURED GUAR GRP 5,726 2,823 0.00 0.00 86.19 86.192 1248 AMBAC ASSUR CORP GRP 674 9,407 0.00 0.00 10.14 96.33

**STATE TOTAL** 6,644 23,507 0.00 2.42 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .South Dakota 1 194 ASSURED GUAR GRP 1,317 436 0.00 0.00 98.62 98.62

**STATE TOTAL** 1,335 1,106 0.00 0.00 100.00 100.00. .

Tennessee 1 194 ASSURED GUAR GRP 7,408 2,776 0.00 0.00 99.81 99.81**STATE TOTAL** 7,422 11,170 1.45 1.68 100.00 100.00

. .Texas 1 194 ASSURED GUAR GRP 62,995 19,768 0.00 0.00 87.96 87.96

2 1248 AMBAC ASSUR CORP GRP 3,259 22,762 0.00 0.06 4.55 92.513 528 MBIA GRP 2,050 18,417 -4.69 358.52 2.86 95.384 31 BERKSHIRE HATHAWAY GRP 1,748 384 0.00 0.00 2.44 97.825 4676 SYNCORA HOLDINGS GRP 1,086 2,744 833.36 847.00 1.52 99.346 4687 CIFG GRP 370 575 0.00 0.00 0.52 99.85

**STATE TOTAL** 71,614 75,890 33.08 122.33 100.00 100.00. .

Utah 1 194 ASSURED GUAR GRP 2,904 571 0.00 0.00 84.45 84.452 1248 AMBAC ASSUR CORP GRP 477 1,974 0.00 0.00 13.86 98.31

**STATE TOTAL** 3,439 4,319 0.00 0.00 100.00 100.00. .

Vermont 1 1248 AMBAC ASSUR CORP GRP 2,054 2,685 0.00 0.00 50.81 50.812 194 ASSURED GUAR GRP 1,983 2,002 0.00 0.00 49.06 99.88

**STATE TOTAL** 4,041 5,650 0.00 0.00 100.00 100.00. .

Virginia 1 194 ASSURED GUAR GRP 28,196 4,174 0.00 0.00 96.22 96.222 1248 AMBAC ASSUR CORP GRP 611 3,167 0.00 0.00 2.09 98.303 1135 PMI GRP 348 577 0.00 0.00 1.19 99.49

**STATE TOTAL** 29,304 10,733 0.00 0.00 100.00 100.00. .

Washington 1 194 ASSURED GUAR GRP 3,022 3,954 0.00 0.00 79.56 79.56**STATE TOTAL** 3,799 22,445 -0.01 -0.01 100.00 100.00

. .West Virginia 1 1248 AMBAC ASSUR CORP GRP 235 6,305 0.00 0.00 52.81 52.81

2 194 ASSURED GUAR GRP 184 1,882 0.00 0.00 41.34 94.16**STATE TOTAL** 445 9,152 0.00 0.00 100.00 100.00

. .Wisconsin 1 194 ASSURED GUAR GRP 1,805 7,296 0.00 0.00 97.63 97.63

2 528 MBIA GRP 23 5,289 0.00 0.00 1.26 98.89**STATE TOTAL** 1,849 20,182 0.00 0.00 100.00 100.00

. .Wyoming **STATE TOTAL** 142 1,103 -0.00 -0.00 100.00 100.00

. .Guam 1 528 MBIA GRP 980 1,065 0.00 0.00 93.96 93.96

**STATE TOTAL** 1,043 1,669 0.60 0.14 100.00 100.00. .

Puerto Rico 1 40568 TRIPLE S PROPIEDAD INC 6,281 0 N/A N/A 95.97 95.972 194 ASSURED GUAR GRP 253 4,310 0.00 0.00 3.87 99.84

**STATE TOTAL** 6,545 24,377 0.00 0.00 100.00 100.00. .

U.S. Virgin Islands **STATE TOTAL** 0 753 0.00 0.00 N/A 100.00. .

Canada **STATE TOTAL** 0 1,179 0.00 0.00 N/A 100.00. .

Aggregate Other Alien 1 528 MBIA GRP 114,633 170,492 157.62 151.24 69.47 69.472 1248 AMBAC ASSUR CORP GRP 28,612 41,814 0.00 15.33 17.34 86.813 194 ASSURED GUAR GRP 18,689 34,443 2.45 2.45 11.33 98.144 4676 SYNCORA HOLDINGS GRP 1,499 4,313 0.00 0.00 0.91 99.055 1135 PMI GRP 1,146 14,074 0.00 0.00 0.69 99.74

**STATE TOTAL** 165,006 265,349 102.21 100.53 100.00 100.00. .




11—Medical Professional Liability



States, U.S. Territories, Canada, and Aggregate Other Alien11-Medical Professional Liability



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 1210 MLMIC GRP 756,844 783,112 49.63 73.93 7.01 7.012 31 BERKSHIRE HATHAWAY GRP 725,512 725,696 47.40 68.56 6.72 13.743 831 DOCTORS CO GRP 601,223 597,348 23.32 44.34 5.57 19.314 2698 PROASSURANCE CORP GRP 541,033 524,324 20.61 36.94 5.01 24.325 12 AMERICAN INTL GRP 524,252 567,520 27.51 45.26 4.86 29.186 218 CNA INS GRP 517,260 512,663 38.16 50.91 4.79 33.977 41467 PHYSICIANS RECIP INSURERS 397,879 388,475 67.84 84.06 3.69 37.668 1154 PROMUTUAL GRP 382,541 378,352 6.12 13.28 3.55 41.219 2358 ISMIE GRP 321,937 327,115 41.68 69.09 2.98 44.1910 413 MAG MUT INS GRP 266,255 274,348 29.55 50.95 2.47 46.6611 10697 MCIC VT INC RRG 263,049 263,049 79.49 90.61 2.44 49.1012 1282 NORCAL GRP 252,790 251,607 12.67 36.32 2.34 51.4413 33049 STATE VOLUNTEER MUT INS CO 236,390 238,256 19.86 43.46 2.19 53.6314 1272 FPIC INS GRP 195,424 203,931 28.62 55.74 1.81 55.4415 212 ZURICH INS GRP 165,829 175,347 20.79 31.74 1.54 56.9816 377 MEDICAL INS OF MD GRP 155,323 153,416 27.06 40.93 1.44 58.4217 3239 ALLIED WORLD ASSUR HOLDING GRP 150,903 140,688 27.61 40.00 1.40 59.8118 30317 HOSPITALS INS CO INC 150,010 147,658 98.72 106.11 1.39 61.2019 32832 MUTUAL INS CO OF AZ 146,744 146,279 46.10 63.42 1.36 62.5620 184 MEDICAL INS GRP 127,389 130,656 19.06 39.10 1.18 63.7521 16942 MMIC INS INC 125,629 132,852 27.71 45.85 1.16 64.9122 966 AP CAPITAL GRP 113,232 119,746 1.52 20.23 1.05 65.9623 626 ACE LTD GRP 110,602 113,178 25.33 50.66 1.02 66.9824 785 MARKEL CORP GRP 109,371 118,754 34.02 39.87 1.01 68.0025 98 WR BERKLEY CORP GRP 107,878 102,961 29.82 41.34 1.00 69.0026 10341 CONTROLLED RISK INS CO OF VT RRG 107,122 107,122 92.64 110.90 0.99 69.9927 11860 COPIC INS CO 97,397 97,716 25.72 51.56 0.90 70.8928 1129 WHITE MOUNTAINS GRP 95,855 94,646 19.01 25.24 0.89 71.7829 158 FAIRFAX FIN GRP 91,583 96,795 28.74 43.08 0.85 72.6330 36234 PREFERRED PROFESSIONAL INS CO 90,513 106,299 38.43 58.33 0.84 73.4731 508 NATIONAL GRP 83,278 87,830 33.92 62.48 0.77 74.2432 2638 NCMIC GRP 79,085 75,975 29.88 50.12 0.73 74.9733 761 ALLIANZ INS GRP 78,945 83,663 56.43 95.20 0.73 75.7034 608 MEDICAL INS EXCH OF CA GRP 71,468 71,700 32.55 52.31 0.66 76.3735 464 PHYSICIANS INS A MUT GRP 71,199 70,599 14.45 36.74 0.66 77.0336 11498 MDADVANTAGE INS CO OF NJ 70,070 73,924 56.08 69.51 0.65 77.6837 36676 UTAH MEDICAL INS ASSOC 68,055 66,454 49.49 82.92 0.63 78.3138 11547 MOUNTAIN LAUREL RRG INC 66,408 64,019 68.00 84.26 0.62 78.9239 32557 AMERICAN PHYSICIANS INS CO 65,430 65,874 19.20 29.88 0.61 79.5340 1279 ARCH INS GRP 61,489 64,755 23.70 28.73 0.57 80.1041 501 ALLEGHANY GRP 54,230 57,252 9.12 9.64 0.50 80.6042 43656 LOUISIANA MED MUT INS CO 52,612 52,970 3.48 41.53 0.49 81.0943 4661 PLICO COS GRP 51,594 50,818 36.30 51.77 0.48 81.5744 4509 IRONSHORE GRP 51,473 29,637 37.51 41.91 0.48 82.0445 12754 MEDICUS INS CO 50,774 41,352 32.59 49.62 0.47 82.5146 36277 MEDICAL MUT INS CO OF ME 49,148 49,768 50.57 69.62 0.46 82.9747 42544 ACADEMIC HLTH PROFESSIONALS INS 45,293 45,806 70.20 101.15 0.42 83.3948 11530 HEALTHCARE PROVIDERS INS EXCH 43,851 43,962 42.09 54.41 0.41 83.8049 44105 OPHTHALMIC MUT INS CO RRG 41,710 42,165 14.35 18.98 0.39 84.1850 15890 CONNECTICUT MEDICAL INS CO 41,375 40,166 -8.09 6.13 0.38 84.5751 11582 MISSOURI PROFESSIONALS MUT 40,216 40,140 19.81 43.62 0.37 84.9452 1324 UPMC HLTH SYSTEM GRP 39,841 39,577 82.10 93.14 0.37 85.3153 11972 WEST VIRGINIA MUT INS CO 39,770 41,127 35.06 55.28 0.37 85.6854 861 HOSPITAL SERV GRP 38,972 39,086 17.57 23.12 0.36 86.0455 244 CINCINNATI FIN GRP 38,819 40,160 37.37 49.43 0.36 86.4056 44083 PREFERRED PHYSICIANS MEDICAL RRG 38,361 37,637 36.30 57.79 0.36 86.7557 10842 FRANKLIN CAS INS CO RRG 38,093 37,203 81.59 96.49 0.35 87.1158 11832 HEALTH CARE INDUSTRY LIAB RECIP INS 35,305 34,508 53.63 64.15 0.33 87.4359 34703 KANSAS MEDICAL MUT INS CO 33,954 33,643 13.85 32.01 0.31 87.7560 40975 DENTISTS INS CO 33,451 33,046 27.41 60.61 0.31 88.0661 11259 COMMUNITY HOSPITAL RRG 31,607 31,607 53.94 73.33 0.29 88.3562 3951 HMHSI TRUST GRP 30,302 26,599 75.77 78.41 0.28 88.6363 11078 SIMED 30,160 30,463 11.87 28.26 0.28 88.9164 11598 APPLIED MEDICO LEGAL SOLUTIONS RRG 30,001 26,084 37.00 61.04 0.28 89.1965 44504 CALIFORNIA HLTHCARE INS CO INC RRG 28,972 29,266 53.29 62.82 0.27 89.46




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 35904 HEALTH CARE IND INC 28,858 36,017 -18.95 7.95 0.27 89.7267 10903 AMERICAN EXCESS INS EXCH RRG 28,773 30,565 29.82 35.30 0.27 89.9968 10808 CASSATT RRG INC 27,020 26,858 49.51 80.74 0.25 90.2469 12189 OCEANUS INS CO A RRG 26,583 24,707 34.72 64.22 0.25 90.4970 12441 FLORIDA DOCTORS INS CO 22,315 21,162 52.30 73.86 0.21 90.6971 26257 MEDAMERICA MUT RRG INC 21,635 21,075 26.75 56.66 0.20 90.8972 11535 CONVENTUS INTER INS EXCH 21,054 19,728 7.61 9.84 0.20 91.0973 361 MUNICH RE GRP 19,812 21,129 28.86 55.22 0.18 91.2774 12373 CARING COMMUNITIES RECIP RRG 19,538 18,725 57.09 57.09 0.18 91.4575 11585 MOUNTAIN STATES HLTHCARE RECIP RRG 18,897 18,897 60.94 79.96 0.18 91.6376 11675 PROFESSIONAL CAS ASSN 18,847 18,576 27.55 65.21 0.17 91.8077 31429 MICHIGAN PROFESSIONAL INS EXCH 18,173 19,810 39.17 57.91 0.17 91.9778 11714 EMERGENCY PHYSICIANS INS CO RRG 17,838 17,919 27.85 44.00 0.17 92.1479 12513 PROFESSIONAL LIAB INS CO OF AMER 16,003 20,468 40.10 44.95 0.15 92.2980 4637 CLARIAN HLTH PARTNERS GRP 15,431 14,254 42.61 47.10 0.14 92.4381 11260 NEVADA MUT INS CO INC 15,302 16,465 9.12 71.04 0.14 92.5782 11513 PHYSICIANS SPECIALTY LTD RRG 15,032 15,032 26.76 25.44 0.14 92.7183 4574 CATLIN US INS GRP 14,668 8,583 46.17 57.19 0.14 92.8584 11539 NEW JERSEY PHYSICIANS UNITED RECIP 14,367 14,883 36.08 53.56 0.13 92.9885 1346 AMERICAN SAFETY HOLDING GRP 14,355 13,520 32.14 53.17 0.13 93.1186 11694 CENTRAL PA PHYSICIANS RRG INC 14,205 -1,099 N/A N/A 0.13 93.2487 10080 HEALTH PROVIDERS INS RECIP RRG 14,001 13,709 23.17 39.38 0.13 93.3788 11536 COMMUNITY HLTH ALLIANCE RECIP RRG 13,818 13,818 99.21 94.22 0.13 93.5089 40568 TRIPLE S PROPIEDAD INC 13,304 6,292 15.26 19.41 0.12 93.6390 12000 GEISINGER INS CORP RRG 12,528 11,991 69.78 69.78 0.12 93.7491 12507 PHYSICIANS PROACTIVE PROTECTION INC 12,416 11,768 47.90 62.37 0.12 93.8692 3494 JAMES RIVER GRP 12,119 11,344 47.25 59.36 0.11 93.9793 10152 THE HLTHCARE UNDERWRITING CO RRG 11,647 11,996 36.87 52.67 0.11 94.0894 32697 TEXAS MEDICAL LIAB INS UNDWRITING AS 11,511 12,186 12.83 70.35 0.11 94.1895 12838 INDEPENDENT NV DOCTORS INS EXCH 11,475 11,786 23.89 49.96 0.11 94.2996 36072 NATIONAL GUARDIAN RRG INC 11,335 11,335 46.38 88.73 0.11 94.4097 748 MEADOWBROOK INS GRP 11,168 11,494 7.97 12.68 0.10 94.5098 11278 FIRST MEDICAL INS CO RRG 10,882 11,923 36.79 38.79 0.10 94.6099 11710 ALLIED PROFESSIONALS INS CO RRG 10,561 9,951 10.03 19.24 0.10 94.70100 10115 EASTERN DENTISTS INS CO RRG 10,464 10,000 39.12 60.13 0.10 94.79101 33537 PENNSYLVANIA PROFESSIONAL LIAB JUA 10,408 11,620 -64.34 -78.09 0.10 94.89102 11861 MEDICAL ALLIANCE INS CO 10,350 10,517 39.45 62.05 0.10 94.99103 3786 ENDURANCE GRP 10,107 7,532 70.90 78.78 0.09 95.08104 11968 PENNSYLVANIA PHYSICIANS RECIP INSUR 9,910 10,271 84.51 167.51 0.09 95.17105 11668 COASTAL INS RRG INC 9,283 9,603 24.42 13.05 0.09 95.26106 11966 HEALTHCARE UNDERWRITERS GRP OF FL 9,139 9,582 10.02 30.99 0.08 95.34107 11808 SCHUYKILL CROSSING RECIP RRG 8,993 8,089 168.22 193.25 0.08 95.43108 11863 POSITIVE PHYSICIANS INS EXCH 8,869 9,009 41.37 65.26 0.08 95.51109 11683 HEALTHCARE PROVIDERS INS CO RRG 8,698 9,777 20.24 19.71 0.08 95.59110 11588 PHYSICIANS INS CO 8,559 8,901 23.48 49.10 0.08 95.67111 10752 NOVUS INS CO RRG 8,500 8,337 37.21 68.77 0.08 95.75112 12933 BEDFORD PHYSICIANS RRG INC 8,318 8,074 52.56 73.58 0.08 95.82113 11840 FAIRWAY PHYSICIANS INS CO RRG 8,222 8,635 39.15 64.80 0.08 95.90114 11688 ST LUKES HLTH NTWRK INS CO RECIP RRG 8,158 8,275 48.23 99.86 0.08 95.98115 12014 GUTHRIE RRG 8,087 7,277 93.44 93.44 0.07 96.05116 10232 AMERICAN ASSOC OF OTHODONTISTS RRG 7,730 7,527 28.35 61.53 0.07 96.12117 11947 LEWIS & CLARK LTC RRG INC 7,712 6,913 25.15 37.97 0.07 96.19118 11854 HEALTHCARE UNDERWRITERS GRP OF KY 7,657 7,763 29.13 62.91 0.07 96.26119 11841 OHA INS SOLUTIONS 7,597 7,925 65.42 78.13 0.07 96.34120 12907 SOUTHWEST PHYSICIANS RRG INC 7,582 7,582 54.35 60.30 0.07 96.41121 11544 CAREGIVERS UNITED LIAB INS CO RRG 7,554 7,651 32.40 21.06 0.07 96.48122 11514 PHYSICIANS PROFESSIONAL LIAB RRG 7,548 7,591 7.43 23.46 0.07 96.55123 10028 PHYSICIANS INS PROGRAM EXCH 7,502 7,236 -17.87 18.91 0.07 96.62124 111 LIBERTY MUT GRP 7,491 7,859 58.61 63.34 0.07 96.68125 11684 LVHN RRG 7,478 0 N/A N/A 0.07 96.75

**INDUSTRY TOTAL** 10,790,766 10,835,299 35.55 53.93 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 2698 PROASSURANCE CORP GRP 92,223 82,961 11.06 12.23 59.78 59.782 11668 COASTAL INS RRG INC 9,283 9,603 24.42 13.05 6.02 65.803 413 MAG MUT INS GRP 8,581 8,720 3.93 9.74 5.56 71.364 218 CNA INS GRP 7,643 7,734 -22.14 2.89 4.95 76.315 34568 CENTENNIAL CAS CO 7,137 7,438 68.73 73.72 4.63 80.946 31 BERKSHIRE HATHAWAY GRP 3,873 3,483 25.23 81.13 2.51 83.457 33049 STATE VOLUNTEER MUT INS CO 3,228 3,181 26.22 51.25 2.09 85.548 212 ZURICH INS GRP 2,548 2,497 30.81 30.41 1.65 87.209 1129 WHITE MOUNTAINS GRP 2,294 2,508 52.42 58.43 1.49 88.6810 12 AMERICAN INTL GRP 1,850 1,984 111.25 137.35 1.20 89.88

**STATE TOTAL** 154,269 146,024 10.99 16.00 100.00 100.00. .

Alaska 1 608 MEDICAL INS EXCH OF CA GRP 10,649 10,835 8.71 26.37 46.71 46.712 1282 NORCAL GRP 5,501 5,259 17.20 21.20 24.12 70.833 12 AMERICAN INTL GRP 2,198 2,197 1.60 1.21 9.64 80.474 218 CNA INS GRP 1,190 1,268 26.81 22.72 5.22 85.695 212 ZURICH INS GRP 425 398 33.67 50.53 1.86 87.556 2638 NCMIC GRP 326 313 -27.98 -26.09 1.43 88.987 40975 DENTISTS INS CO 267 267 31.37 59.08 1.17 90.168 785 MARKEL CORP GRP 249 263 -45.95 -44.59 1.09 91.259 831 DOCTORS CO GRP 244 292 17.04 37.04 1.07 92.3210 761 ALLIANZ INS GRP 196 206 -2.57 34.46 0.86 93.18

**STATE TOTAL** 22,801 22,908 11.50 22.14 100.00 100.00. .

Arizona 1 32832 MUTUAL INS CO OF AZ 144,681 144,221 46.62 64.07 54.89 54.892 12 AMERICAN INTL GRP 21,661 22,622 103.45 123.58 8.22 63.103 218 CNA INS GRP 13,938 13,842 48.42 57.56 5.29 68.394 31 BERKSHIRE HATHAWAY GRP 11,873 11,335 27.77 20.39 4.50 72.895 44083 PREFERRED PHYSICIANS MEDICAL RRG 7,995 7,930 13.37 20.72 3.03 75.936 11598 APPLIED MEDICO LEGAL SOLUTIONS RRG 5,929 5,723 60.95 92.93 2.25 78.187 3239 ALLIED WORLD ASSUR HOLDING GRP 5,043 5,055 39.29 45.47 1.91 80.098 831 DOCTORS CO GRP 4,452 5,235 118.90 153.69 1.69 81.789 98 WR BERKLEY CORP GRP 3,700 3,693 17.10 23.93 1.40 83.1810 13067 PROFESSIONALS RRG INC 3,292 3,292 32.63 79.76 1.25 84.43

**STATE TOTAL** 263,605 261,201 45.29 60.88 100.00 100.00. .

Arkansas 1 33049 STATE VOLUNTEER MUT INS CO 31,025 32,438 36.01 71.44 38.65 38.652 218 CNA INS GRP 13,554 13,665 62.62 77.91 16.89 55.543 1272 FPIC INS GRP 10,116 10,267 48.23 80.39 12.60 68.144 2698 PROASSURANCE CORP GRP 6,959 7,298 -8.03 3.88 8.67 76.815 4509 IRONSHORE GRP 3,595 367 40.95 45.09 4.48 81.296 12 AMERICAN INTL GRP 2,188 3,539 51.62 64.93 2.73 84.027 32557 AMERICAN PHYSICIANS INS CO 1,947 1,699 108.34 124.97 2.43 86.448 785 MARKEL CORP GRP 1,515 1,560 9.15 12.47 1.89 88.339 31 BERKSHIRE HATHAWAY GRP 1,157 1,086 -10.16 -83.57 1.44 89.7710 43656 LOUISIANA MED MUT INS CO 969 756 90.72 162.79 1.21 90.98

**STATE TOTAL** 80,264 81,622 35.14 58.82 100.00 100.00. .

California 1 831 DOCTORS CO GRP 232,871 214,266 5.85 27.71 27.71 27.712 1282 NORCAL GRP 156,866 156,270 29.72 54.07 18.66 46.373 12 AMERICAN INTL GRP 54,287 63,778 21.26 34.88 6.46 52.834 31 BERKSHIRE HATHAWAY GRP 41,731 40,383 53.88 70.71 4.97 57.805 608 MEDICAL INS EXCH OF CA GRP 36,599 36,599 25.13 44.80 4.35 62.156 218 CNA INS GRP 32,111 30,231 47.17 58.72 3.82 65.977 40975 DENTISTS INS CO 29,238 28,856 24.06 57.09 3.48 69.458 44504 CALIFORNIA HLTHCARE INS CO INC RRG 28,127 28,444 53.30 63.82 3.35 72.809 26257 MEDAMERICA MUT RRG INC 18,558 18,627 23.21 51.34 2.21 75.0010 626 ACE LTD GRP 15,378 16,656 88.05 120.68 1.83 76.83

**STATE TOTAL** 840,476 824,207 22.57 43.93 100.00 100.00. .

Colorado 1 11860 COPIC INS CO 90,312 90,884 23.96 49.54 53.48 53.482 218 CNA INS GRP 16,353 16,491 153.09 177.10 9.68 63.163 831 DOCTORS CO GRP 15,094 15,067 11.96 28.30 8.94 72.104 36234 PREFERRED PROFESSIONAL INS CO 7,733 8,802 33.09 58.04 4.58 76.685 31 BERKSHIRE HATHAWAY GRP 4,846 4,880 -4.83 79.94 2.87 79.54




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 11585 MOUNTAIN STATES HLTHCARE RECIP RRG 4,242 4,242 101.56 116.98 2.51 82.067 12 AMERICAN INTL GRP 4,191 4,551 18.26 45.77 2.48 84.548 98 WR BERKLEY CORP GRP 2,941 2,455 42.26 56.64 1.74 86.289 785 MARKEL CORP GRP 2,325 2,495 29.20 34.85 1.38 87.6610 508 NATIONAL GRP 2,164 2,276 31.43 62.28 1.28 88.94

**STATE TOTAL** 168,884 170,488 37.70 62.07 100.00 100.00. .

Connecticut 1 10697 MCIC VT INC RRG 57,654 57,654 82.01 95.57 27.47 27.472 1154 PROMUTUAL GRP 52,171 52,417 29.28 24.95 24.86 52.323 15890 CONNECTICUT MEDICAL INS CO 35,360 35,358 -7.42 7.92 16.85 69.174 218 CNA INS GRP 17,042 16,953 52.94 72.74 8.12 77.295 3239 ALLIED WORLD ASSUR HOLDING GRP 6,587 6,536 9.47 15.69 3.14 80.436 12 AMERICAN INTL GRP 6,308 6,915 78.36 92.91 3.01 83.437 11598 APPLIED MEDICO LEGAL SOLUTIONS RRG 3,735 3,538 10.84 11.00 1.78 85.218 1129 WHITE MOUNTAINS GRP 3,505 3,855 -25.34 -22.41 1.67 86.889 508 NATIONAL GRP 3,360 3,568 21.50 35.99 1.60 88.4810 31 BERKSHIRE HATHAWAY GRP 2,755 2,934 205.19 260.82 1.31 89.80

**STATE TOTAL** 209,892 210,726 40.44 51.15 100.00 100.00. .

Delaware 1 2698 PROASSURANCE CORP GRP 17,491 15,735 62.42 85.59 42.32 42.322 218 CNA INS GRP 3,980 4,088 -54.67 -52.74 9.63 51.953 1282 NORCAL GRP 3,043 2,032 89.29 109.44 7.36 59.314 12 AMERICAN INTL GRP 2,346 2,593 8.70 17.02 5.68 64.995 31 BERKSHIRE HATHAWAY GRP 2,319 2,254 52.98 20.13 5.61 70.596 43125 DELAWARE PROFESSIONAL INS CO RRG 2,065 2,205 64.32 91.99 5.00 75.597 831 DOCTORS CO GRP 1,722 2,913 7.15 13.66 4.17 79.768 212 ZURICH INS GRP 1,195 1,165 13.75 8.10 2.89 82.659 36072 NATIONAL GUARDIAN RRG INC 963 963 107.36 146.47 2.33 84.9810 1279 ARCH INS GRP 773 731 63.37 81.17 1.87 86.85

**STATE TOTAL** 41,332 40,009 36.27 51.97 100.00 100.00. .

District of Columbia 1 2698 PROASSURANCE CORP GRP 20,386 15,313 27.10 43.39 49.74 49.742 12 AMERICAN INTL GRP 6,489 6,694 51.79 59.51 15.83 65.583 831 DOCTORS CO GRP 3,293 3,181 19.99 53.49 8.03 73.614 377 MEDICAL INS OF MD GRP 2,670 2,876 -48.35 -86.61 6.52 80.135 218 CNA INS GRP 1,969 2,004 10.19 12.85 4.80 84.936 10124 MEDSTAR LIAB LTD INS CO INC RRG 1,393 1,383 43.33 54.53 3.40 88.337 12260 CAMPMED CAS & IND CO INC MD 839 723 -3.90 33.42 2.05 90.388 31 BERKSHIRE HATHAWAY GRP 523 451 88.95 105.29 1.28 91.659 44105 OPHTHALMIC MUT INS CO RRG 521 512 4.72 10.33 1.27 92.9310 1279 ARCH INS GRP 475 309 2.35 9.64 1.16 94.09

**STATE TOTAL** 40,982 35,852 26.83 37.55 100.00 100.00. .

Florida 1 1272 FPIC INS GRP 130,356 139,388 23.74 48.33 22.93 22.932 413 MAG MUT INS GRP 59,439 62,574 55.28 74.55 10.45 33.383 831 DOCTORS CO GRP 45,897 47,405 28.87 52.32 8.07 41.464 218 CNA INS GRP 38,668 36,463 64.11 81.89 6.80 48.265 2698 PROASSURANCE CORP GRP 37,320 37,614 10.65 6.67 6.56 54.826 12 AMERICAN INTL GRP 28,709 29,279 8.20 23.31 5.05 59.877 31 BERKSHIRE HATHAWAY GRP 24,518 24,150 45.56 61.48 4.31 64.188 12441 FLORIDA DOCTORS INS CO 22,315 21,162 52.30 73.86 3.92 68.119 3239 ALLIED WORLD ASSUR HOLDING GRP 12,147 12,358 30.86 46.94 2.14 70.2410 785 MARKEL CORP GRP 11,983 13,107 46.50 54.11 2.11 72.35

**STATE TOTAL** 568,547 580,824 33.07 51.93 100.00 100.00. .

Georgia 1 413 MAG MUT INS GRP 118,414 122,218 21.37 48.40 38.93 38.932 831 DOCTORS CO GRP 27,336 27,523 3.34 23.42 8.99 47.913 31 BERKSHIRE HATHAWAY GRP 20,929 20,551 57.97 86.71 6.88 54.794 12 AMERICAN INTL GRP 15,103 17,947 25.04 35.32 4.96 59.765 1272 FPIC INS GRP 12,367 12,380 59.16 98.34 4.07 63.826 184 MEDICAL INS GRP 11,809 11,721 49.36 77.23 3.88 67.717 218 CNA INS GRP 11,360 11,700 17.58 28.93 3.73 71.448 212 ZURICH INS GRP 10,220 10,946 5.34 8.02 3.36 74.809 158 FAIRFAX FIN GRP 7,754 8,775 80.81 89.75 2.55 77.3510 2698 PROASSURANCE CORP GRP 6,099 5,973 87.89 153.78 2.00 79.35




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 304,191 310,405 20.27 41.76 100.00 100.00. .

Hawaii 1 608 MEDICAL INS EXCH OF CA GRP 14,173 14,286 88.29 110.65 42.70 42.702 12 AMERICAN INTL GRP 8,571 8,687 49.95 59.03 25.82 68.523 831 DOCTORS CO GRP 2,129 2,205 20.91 35.90 6.42 74.944 218 CNA INS GRP 1,196 1,358 47.24 60.47 3.60 78.545 1129 WHITE MOUNTAINS GRP 811 808 -36.77 -34.62 2.44 80.996 40975 DENTISTS INS CO 768 768 143.26 160.66 2.31 83.307 501 ALLEGHANY GRP 617 754 110.45 124.90 1.86 85.168 212 ZURICH INS GRP 606 580 -76.72 58.63 1.83 86.999 3239 ALLIED WORLD ASSUR HOLDING GRP 444 262 36.12 52.25 1.34 88.3210 785 MARKEL CORP GRP 438 472 -10.61 -6.86 1.32 89.65

**STATE TOTAL** 33,191 33,882 58.78 76.38 100.00 100.00. .

Idaho 1 608 MEDICAL INS EXCH OF CA GRP 9,986 9,912 6.09 25.03 23.54 23.542 218 CNA INS GRP 7,238 7,064 35.41 44.97 17.06 40.603 831 DOCTORS CO GRP 6,263 6,897 19.03 37.64 14.76 55.364 12 AMERICAN INTL GRP 4,867 4,883 -19.00 -12.75 11.47 66.845 11585 MOUNTAIN STATES HLTHCARE RECIP RRG 3,331 3,331 26.12 38.65 7.85 74.696 31 BERKSHIRE HATHAWAY GRP 1,769 1,685 23.60 65.12 4.17 78.867 11796 YELLOWSTONE INS EXCH RRG 1,690 1,690 22.76 38.19 3.98 82.848 212 ZURICH INS GRP 1,240 1,447 343.47 387.30 2.92 85.769 158 FAIRFAX FIN GRP 759 662 261.05 334.72 1.79 87.5510 36676 UTAH MEDICAL INS ASSOC 683 685 -4.88 7.01 1.61 89.16

**STATE TOTAL** 42,424 42,891 28.58 44.29 100.00 100.00. .

Illinois 1 2358 ISMIE GRP 320,262 325,407 40.72 67.98 51.54 51.542 966 AP CAPITAL GRP 33,769 34,368 -13.80 10.25 5.43 56.983 31 BERKSHIRE HATHAWAY GRP 29,751 29,142 50.39 63.82 4.79 61.774 2698 PROASSURANCE CORP GRP 27,999 27,137 66.84 91.98 4.51 66.275 12 AMERICAN INTL GRP 23,363 24,474 58.69 80.39 3.76 70.036 12754 MEDICUS INS CO 20,897 17,028 29.36 51.10 3.36 73.407 218 CNA INS GRP 17,324 10,680 43.01 71.04 2.79 76.188 12513 PROFESSIONAL LIAB INS CO OF AMER 10,998 15,050 40.09 45.32 1.77 77.959 3239 ALLIED WORLD ASSUR HOLDING GRP 10,531 11,335 8.07 17.68 1.69 79.6510 212 ZURICH INS GRP 10,504 12,548 -20.38 -19.18 1.69 81.34

**STATE TOTAL** 621,344 622,251 39.61 62.33 100.00 100.00. .

Indiana 1 31 BERKSHIRE HATHAWAY GRP 38,344 38,776 54.81 85.73 30.11 30.112 2698 PROASSURANCE CORP GRP 30,896 31,242 40.58 91.01 24.26 54.383 4637 CLARIAN HLTH PARTNERS GRP 15,431 14,254 42.61 47.10 12.12 66.504 218 CNA INS GRP 6,719 6,684 -205.21 -194.06 5.28 71.775 11692 INDIANA HLTHCARE RECIP RRG 5,435 5,435 30.39 45.29 4.27 76.046 785 MARKEL CORP GRP 3,394 3,699 25.85 32.21 2.67 78.717 36234 PREFERRED PROFESSIONAL INS CO 3,294 3,105 100.64 151.24 2.59 81.298 12 AMERICAN INTL GRP 2,131 3,835 12.47 18.17 1.67 82.979 11832 HEALTH CARE INDUSTRY LIAB RECIP INS 1,588 1,624 54.86 62.71 1.25 84.2110 966 AP CAPITAL GRP 1,382 1,777 101.25 113.20 1.09 85.30

**STATE TOTAL** 127,332 128,974 27.29 53.87 100.00 100.00. .

Iowa 1 16942 MMIC INS INC 30,158 31,928 22.20 36.48 36.00 36.002 2698 PROASSURANCE CORP GRP 13,127 11,780 22.01 74.45 15.67 51.673 12 AMERICAN INTL GRP 8,473 9,294 13.43 22.27 10.11 61.784 158 FAIRFAX FIN GRP 4,305 4,062 17.77 33.19 5.14 66.925 218 CNA INS GRP 3,970 3,997 36.55 36.34 4.74 71.666 140 NATIONWIDE CORP GRP 2,314 2,357 46.97 80.99 2.76 74.427 2638 NCMIC GRP 2,307 1,992 20.95 29.48 2.75 77.188 31 BERKSHIRE HATHAWAY GRP 2,260 2,271 -63.85 -13.05 2.70 79.879 212 ZURICH INS GRP 2,091 2,073 85.04 96.01 2.50 82.3710 1154 PROMUTUAL GRP 2,006 1,920 -23.60 -13.44 2.39 84.76

**STATE TOTAL** 83,777 84,497 23.94 45.12 100.00 100.00. .

Kansas 1 34703 KANSAS MEDICAL MUT INS CO 31,738 31,427 13.01 31.43 38.74 38.742 31 BERKSHIRE HATHAWAY GRP 12,222 12,489 39.48 43.17 14.92 53.663 218 CNA INS GRP 4,558 4,229 242.94 240.26 5.56 59.22




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 2698 PROASSURANCE CORP GRP 4,418 4,545 -39.08 -11.54 5.39 64.615 212 ZURICH INS GRP 4,361 3,761 94.76 122.34 5.32 69.946 12 AMERICAN INTL GRP 3,511 3,724 -114.79 -108.46 4.29 74.227 626 ACE LTD GRP 3,243 3,210 57.89 78.85 3.96 78.188 35904 HEALTH CARE IND INC 2,785 2,785 52.44 67.58 3.40 81.589 2638 NCMIC GRP 1,477 1,361 33.27 71.79 1.80 83.3810 11832 HEALTH CARE INDUSTRY LIAB RECIP INS 1,407 1,452 51.75 62.54 1.72 85.10

**STATE TOTAL** 81,925 82,310 36.42 52.40 100.00 100.00. .

Kentucky 1 31 BERKSHIRE HATHAWAY GRP 40,828 41,119 40.31 66.03 26.00 26.002 33049 STATE VOLUNTEER MUT INS CO 19,837 20,945 35.72 51.36 12.63 38.633 2698 PROASSURANCE CORP GRP 18,862 18,916 29.86 54.39 12.01 50.654 12 AMERICAN INTL GRP 11,332 13,309 24.61 29.72 7.22 57.865 11854 HEALTHCARE UNDERWRITERS GRP OF KY 7,657 7,763 29.13 62.91 4.88 62.746 11872 KENTUCKIANA MEDICAL RECIP RRG 6,796 6,756 109.01 126.72 4.33 67.077 1129 WHITE MOUNTAINS GRP 5,138 3,772 29.88 37.76 3.27 70.348 11939 KENTUCKY HOSPITAL INS CO RRG 4,688 4,711 -0.05 22.49 2.99 73.339 218 CNA INS GRP 3,764 4,568 1.71 13.45 2.40 75.7210 626 ACE LTD GRP 3,756 2,797 31.96 43.90 2.39 78.11

**STATE TOTAL** 157,023 159,512 26.79 44.94 100.00 100.00. .

Louisiana 1 43656 LOUISIANA MED MUT INS CO 51,614 52,200 2.21 39.75 49.50 49.502 218 CNA INS GRP 9,360 9,159 40.82 55.96 8.98 58.483 35904 HEALTH CARE IND INC 9,071 9,071 -21.43 -7.95 8.70 67.184 12 AMERICAN INTL GRP 7,123 7,883 -1.42 12.08 6.83 74.015 31 BERKSHIRE HATHAWAY GRP 3,625 3,493 31.22 101.63 3.48 77.496 761 ALLIANZ INS GRP 2,374 2,481 59.20 89.59 2.28 79.777 98 WR BERKLEY CORP GRP 2,374 2,240 40.73 70.84 2.28 82.048 785 MARKEL CORP GRP 1,979 1,987 5.10 18.45 1.90 83.949 1346 AMERICAN SAFETY HOLDING GRP 1,913 1,939 27.01 47.78 1.83 85.7710 36234 PREFERRED PROFESSIONAL INS CO 1,662 2,026 21.20 69.15 1.59 87.37

**STATE TOTAL** 104,265 104,796 9.70 42.17 100.00 100.00. .

Maine 1 36277 MEDICAL MUT INS CO OF ME 31,389 32,018 46.76 64.75 61.44 61.442 1154 PROMUTUAL GRP 6,212 8,013 -14.64 -11.83 12.16 73.603 12348 PINE TREE INS A RECIP RRG 3,718 3,718 116.12 131.09 7.28 80.884 218 CNA INS GRP 2,381 2,461 18.27 21.28 4.66 85.545 31 BERKSHIRE HATHAWAY GRP 1,458 674 754.13 801.52 2.85 88.396 12 AMERICAN INTL GRP 808 908 -14.93 -5.38 1.58 89.977 36234 PREFERRED PROFESSIONAL INS CO 734 810 18.31 42.77 1.44 91.418 2698 PROASSURANCE CORP GRP 531 519 -24.39 -18.10 1.04 92.459 1129 WHITE MOUNTAINS GRP 486 488 -6.31 -6.03 0.95 93.4010 831 DOCTORS CO GRP 439 473 375.88 482.35 0.86 94.26

**STATE TOTAL** 51,088 53,095 45.05 60.86 100.00 100.00. .

Maryland 1 377 MEDICAL INS OF MD GRP 124,104 121,963 33.42 51.58 42.06 42.062 10697 MCIC VT INC RRG 62,279 62,279 91.53 101.82 21.11 63.173 831 DOCTORS CO GRP 23,023 25,094 47.94 74.63 7.80 70.974 2698 PROASSURANCE CORP GRP 15,795 14,673 70.52 143.16 5.35 76.335 31 BERKSHIRE HATHAWAY GRP 14,978 16,235 64.17 83.74 5.08 81.406 12 AMERICAN INTL GRP 12,763 9,003 5.59 21.28 4.33 85.737 218 CNA INS GRP 8,343 8,965 70.70 78.89 2.83 88.568 11530 HEALTHCARE PROVIDERS INS EXCH 3,887 5,694 32.21 37.61 1.32 89.889 785 MARKEL CORP GRP 3,719 3,660 67.44 73.03 1.26 91.1410 626 ACE LTD GRP 2,835 2,911 -0.07 12.13 0.96 92.10

**STATE TOTAL** 295,046 296,186 54.33 72.52 100.00 100.00. .

Massachusetts 1 1154 PROMUTUAL GRP 137,359 136,201 37.31 54.87 42.59 42.592 10341 CONTROLLED RISK INS CO OF VT RRG 107,122 107,122 92.64 110.90 33.22 75.813 31 BERKSHIRE HATHAWAY GRP 14,133 13,138 57.33 70.21 4.38 80.194 12 AMERICAN INTL GRP 13,809 14,933 22.51 31.49 4.28 84.475 218 CNA INS GRP 7,739 7,578 20.76 28.66 2.40 86.876 10115 EASTERN DENTISTS INS CO RRG 6,417 6,285 15.18 21.96 1.99 88.867 15890 CONNECTICUT MEDICAL INS CO 6,015 4,808 -13.02 -7.05 1.87 90.728 4509 IRONSHORE GRP 2,885 1,056 45.78 50.73 0.89 91.62




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 626 ACE LTD GRP 2,724 2,788 3.69 16.71 0.84 92.4610 10903 AMERICAN EXCESS INS EXCH RRG 2,596 2,718 187.03 192.66 0.80 93.27

**STATE TOTAL** 322,507 318,419 54.31 70.17 100.00 100.00. .

Michigan 1 1154 PROMUTUAL GRP 44,688 44,061 -151.36 -145.34 21.17 21.172 966 AP CAPITAL GRP 40,284 42,766 16.57 38.69 19.09 40.263 2698 PROASSURANCE CORP GRP 31,528 30,749 -0.70 6.35 14.94 55.204 31429 MICHIGAN PROFESSIONAL INS EXCH 18,173 19,810 39.17 57.91 8.61 63.815 31 BERKSHIRE HATHAWAY GRP 10,795 10,543 12.27 5.21 5.11 68.926 748 MEADOWBROOK INS GRP 10,543 10,868 9.31 14.78 5.00 73.927 218 CNA INS GRP 9,456 9,257 35.40 43.32 4.48 78.408 12 AMERICAN INTL GRP 7,258 8,024 20.77 28.28 3.44 81.849 626 ACE LTD GRP 3,392 3,504 4.29 20.14 1.61 83.4510 98 WR BERKLEY CORP GRP 3,167 2,249 15.16 21.81 1.50 84.95

**STATE TOTAL** 211,055 221,127 -30.62 -28.50 100.00 100.00. .

Minnesota 1 16942 MMIC INS INC 52,639 56,973 25.25 47.47 60.15 60.152 218 CNA INS GRP 8,605 9,224 -20.38 -17.93 9.83 69.983 1279 ARCH INS GRP 3,824 4,056 -16.87 -19.21 4.37 74.354 10903 AMERICAN EXCESS INS EXCH RRG 2,669 2,718 59.82 65.71 3.05 77.405 2698 PROASSURANCE CORP GRP 2,598 2,527 35.33 76.73 2.97 80.376 12 AMERICAN INTL GRP 2,359 2,529 -77.04 -39.19 2.70 83.077 626 ACE LTD GRP 2,139 2,110 25.55 54.64 2.44 85.518 2638 NCMIC GRP 1,943 1,925 -5.80 -1.65 2.22 87.739 1154 PROMUTUAL GRP 1,375 1,364 -196.99 -196.20 1.57 89.3110 785 MARKEL CORP GRP 1,144 1,183 1.49 5.02 1.31 90.61

**STATE TOTAL** 87,511 92,837 14.62 32.85 100.00 100.00. .

Mississippi 1 11683 HEALTHCARE PROVIDERS INS CO RRG 8,692 9,770 20.53 20.13 14.89 14.892 158 FAIRFAX FIN GRP 8,283 7,714 4.47 18.22 14.19 29.093 11544 CAREGIVERS UNITED LIAB INS CO RRG 7,554 7,651 32.40 21.06 12.94 42.034 218 CNA INS GRP 4,777 5,352 54.86 78.19 8.19 50.225 12 AMERICAN INTL GRP 3,914 4,118 -4.32 1.56 6.71 56.926 33049 STATE VOLUNTEER MUT INS CO 3,289 3,268 39.20 79.47 5.64 62.567 98 WR BERKLEY CORP GRP 3,219 2,904 25.08 24.70 5.52 68.078 31 BERKSHIRE HATHAWAY GRP 2,520 2,698 42.73 68.44 4.32 72.399 1272 FPIC INS GRP 2,299 2,798 8.15 32.63 3.94 76.3310 1129 WHITE MOUNTAINS GRP 1,220 1,814 25.58 32.98 2.09 78.42

**STATE TOTAL** 58,359 60,637 1.17 5.07 100.00 100.00. .

Missouri 1 11582 MISSOURI PROFESSIONALS MUT 40,216 40,140 19.81 43.62 19.83 19.832 861 HOSPITAL SERV GRP 37,281 37,461 16.21 20.46 18.39 38.223 2698 PROASSURANCE CORP GRP 15,476 16,001 13.60 13.67 7.63 45.854 31 BERKSHIRE HATHAWAY GRP 14,234 14,220 26.59 46.66 7.02 52.875 12 AMERICAN INTL GRP 10,506 5,365 -14.34 -7.81 5.18 58.066 11704 PHYSICIANS PROFESSIONAL IND ASSN 7,174 7,458 49.18 77.06 3.54 61.597 218 CNA INS GRP 5,583 7,493 12.12 22.99 2.75 64.358 11964 MISSOURI DOCTORS MUT INS CO 5,191 5,272 25.19 42.61 2.56 66.919 1272 FPIC INS GRP 4,855 5,616 29.89 54.18 2.39 69.3010 36234 PREFERRED PROFESSIONAL INS CO 3,929 4,497 24.55 40.73 1.94 71.24

**STATE TOTAL** 202,757 203,068 46.75 83.54 100.00 100.00. .

Montana 1 36676 UTAH MEDICAL INS ASSOC 13,061 13,053 97.23 128.49 28.49 28.492 831 DOCTORS CO GRP 7,208 7,310 -18.87 -21.44 15.72 44.223 218 CNA INS GRP 6,121 6,085 48.46 53.53 13.35 57.574 11585 MOUNTAIN STATES HLTHCARE RECIP RRG 6,000 6,000 42.78 64.48 13.09 70.665 11796 YELLOWSTONE INS EXCH RRG 3,601 3,610 22.70 38.09 7.85 78.516 212 ZURICH INS GRP 3,242 2,680 56.62 57.68 7.07 85.587 31 BERKSHIRE HATHAWAY GRP 1,632 1,301 183.35 225.84 3.56 89.148 36234 PREFERRED PROFESSIONAL INS CO 1,265 1,594 -12.27 -59.38 2.76 91.909 12 AMERICAN INTL GRP 658 726 9.95 81.06 1.43 93.3410 158 FAIRFAX FIN GRP 540 655 8.45 3.41 1.18 94.52

**STATE TOTAL** 45,841 45,512 44.80 61.69 100.00 100.00. .

Nebraska 1 16942 MMIC INS INC 11,679 12,116 19.09 39.31 32.08 32.08




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 11860 COPIC INS CO 6,650 6,409 39.78 68.68 18.27 50.353 212 ZURICH INS GRP 3,032 3,180 8.49 18.93 8.33 58.694 2698 PROASSURANCE CORP GRP 2,929 2,914 20.25 79.55 8.05 66.735 36234 PREFERRED PROFESSIONAL INS CO 2,137 2,453 64.75 79.36 5.87 72.606 218 CNA INS GRP 1,910 1,952 33.10 35.59 5.25 77.857 831 DOCTORS CO GRP 1,188 1,268 127.02 138.68 3.26 81.128 31 BERKSHIRE HATHAWAY GRP 1,166 1,130 -57.65 -117.88 3.20 84.329 12 AMERICAN INTL GRP 796 1,126 76.53 96.65 2.19 86.5110 11832 HEALTH CARE INDUSTRY LIAB RECIP INS 599 192 49.00 64.69 1.65 88.15

**STATE TOTAL** 36,401 37,067 29.93 50.08 100.00 100.00. .

Nevada 1 11260 NEVADA MUT INS CO INC 15,302 16,465 9.12 71.04 16.05 16.052 12838 INDEPENDENT NV DOCTORS INS EXCH 11,475 11,786 23.89 49.96 12.04 28.093 12754 MEDICUS INS CO 11,371 10,387 42.30 60.08 11.93 40.024 2698 PROASSURANCE CORP GRP 10,450 10,640 59.17 88.26 10.96 50.995 31 BERKSHIRE HATHAWAY GRP 7,207 7,397 57.75 81.80 7.56 58.556 158 FAIRFAX FIN GRP 6,896 7,181 169.49 182.14 7.23 65.787 12613 PREMIER PHYSICIANS INS CO INC A RRG 5,956 5,553 26.61 26.61 6.25 72.038 831 DOCTORS CO GRP 5,236 5,698 -22.34 3.18 5.49 77.529 218 CNA INS GRP 3,136 3,300 152.52 183.39 3.29 80.8110 11513 PHYSICIANS SPECIALTY LTD RRG 3,015 3,015 16.53 7.89 3.16 83.98

**STATE TOTAL** 95,318 96,609 38.04 65.68 100.00 100.00. .

New Hampshire 1 1154 PROMUTUAL GRP 13,654 13,873 24.69 24.42 31.64 31.642 36277 MEDICAL MUT INS CO OF ME 9,546 9,330 88.60 117.33 22.12 53.763 12 AMERICAN INTL GRP 5,049 4,483 28.06 34.33 11.70 65.464 218 CNA INS GRP 2,915 2,983 -2.44 -4.11 6.75 72.225 626 ACE LTD GRP 2,309 2,076 41.66 60.26 5.35 77.576 212 ZURICH INS GRP 1,371 2,426 30.13 33.89 3.18 80.757 1129 WHITE MOUNTAINS GRP 1,271 1,522 180.21 189.36 2.95 83.698 3239 ALLIED WORLD ASSUR HOLDING GRP 1,227 655 1.87 6.72 2.84 86.549 31 BERKSHIRE HATHAWAY GRP 1,218 730 -282.38 -231.99 2.82 89.3610 36234 PREFERRED PROFESSIONAL INS CO 962 1,012 2.09 8.09 2.23 91.59

**STATE TOTAL** 43,152 42,795 40.37 55.47 100.00 100.00. .

New Jersey 1 1210 MLMIC GRP 162,122 166,423 40.73 57.67 30.80 30.802 11498 MDADVANTAGE INS CO OF NJ 70,070 73,924 56.08 69.51 13.31 44.123 1154 PROMUTUAL GRP 67,623 64,074 24.88 22.46 12.85 56.974 31 BERKSHIRE HATHAWAY GRP 53,218 52,471 58.19 98.16 10.11 67.085 12 AMERICAN INTL GRP 35,851 33,650 6.38 18.79 6.81 73.896 11535 CONVENTUS INTER INS EXCH 21,054 19,728 7.61 9.84 4.00 77.897 11539 NEW JERSEY PHYSICIANS UNITED RECIP 14,367 14,883 36.08 53.56 2.73 80.628 218 CNA INS GRP 12,031 12,313 119.71 149.90 2.29 82.919 2698 PROASSURANCE CORP GRP 9,655 10,026 33.26 61.02 1.83 84.7410 3239 ALLIED WORLD ASSUR HOLDING GRP 8,866 6,794 120.01 138.54 1.68 86.42

**STATE TOTAL** 526,306 524,697 40.79 56.48 100.00 100.00. .

New Mexico 1 966 AP CAPITAL GRP 16,792 17,802 34.98 61.81 35.75 35.752 31 BERKSHIRE HATHAWAY GRP 4,567 4,385 17.56 35.87 9.73 45.483 12 AMERICAN INTL GRP 3,561 6,427 62.16 78.34 7.58 53.064 10903 AMERICAN EXCESS INS EXCH RRG 3,182 3,355 86.96 94.29 6.77 59.845 11585 MOUNTAIN STATES HLTHCARE RECIP RRG 2,755 2,755 63.59 85.99 5.87 65.706 218 CNA INS GRP 2,445 2,427 154.48 180.48 5.21 70.917 98 WR BERKLEY CORP GRP 2,179 2,070 79.91 104.62 4.64 75.558 36234 PREFERRED PROFESSIONAL INS CO 2,143 1,680 27.49 35.62 4.56 80.119 3239 ALLIED WORLD ASSUR HOLDING GRP 985 538 101.98 113.52 2.10 82.2110 2698 PROASSURANCE CORP GRP 873 797 73.81 108.45 1.86 84.07

**STATE TOTAL** 46,963 49,675 49.14 69.90 100.00 100.00. .

New York 1 1210 MLMIC GRP 594,722 616,688 52.58 78.86 36.23 36.232 41467 PHYSICIANS RECIP INSURERS 397,879 388,475 67.84 84.06 24.24 60.473 30317 HOSPITALS INS CO INC 150,010 147,658 98.72 106.11 9.14 69.614 10697 MCIC VT INC RRG 143,116 143,116 73.23 83.74 8.72 78.335 12 AMERICAN INTL GRP 54,428 59,086 14.16 31.77 3.32 81.646 42544 ACADEMIC HLTH PROFESSIONALS INS 44,429 44,831 65.00 93.95 2.71 84.35




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 3951 HMHSI TRUST GRP 30,302 26,599 75.77 78.41 1.85 86.208 218 CNA INS GRP 25,459 24,689 63.23 74.94 1.55 87.759 3239 ALLIED WORLD ASSUR HOLDING GRP 16,393 14,259 19.05 33.38 1.00 88.7410 626 ACE LTD GRP 12,728 12,536 13.62 59.17 0.78 89.52

**STATE TOTAL** 1,641,492 1,645,643 60.70 80.06 100.00 100.00. .

North Carolina 1 184 MEDICAL INS GRP 85,959 88,148 18.54 37.83 34.06 34.062 413 MAG MUT INS GRP 46,633 49,563 28.77 49.84 18.48 52.543 12 AMERICAN INTL GRP 17,819 21,264 36.95 46.53 7.06 59.604 31 BERKSHIRE HATHAWAY GRP 15,421 16,971 47.01 80.68 6.11 65.715 212 ZURICH INS GRP 14,368 14,939 -35.23 -31.80 5.69 71.416 831 DOCTORS CO GRP 11,026 11,407 66.17 120.14 4.37 75.777 218 CNA INS GRP 10,524 10,340 8.36 19.36 4.17 79.948 3239 ALLIED WORLD ASSUR HOLDING GRP 7,678 5,169 76.74 98.99 3.04 82.999 158 FAIRFAX FIN GRP 3,830 3,834 -7.12 -1.65 1.52 84.5010 98 WR BERKLEY CORP GRP 3,330 3,164 12.15 0.34 1.32 85.82

**STATE TOTAL** 252,363 260,189 20.77 39.03 100.00 100.00. .

North Dakota 1 1154 PROMUTUAL GRP 3,105 3,534 -201.05 -191.89 26.34 26.342 16942 MMIC INS INC 2,489 2,471 -38.51 -18.70 21.12 47.463 31 BERKSHIRE HATHAWAY GRP 1,418 1,284 66.17 78.06 12.03 59.494 1279 ARCH INS GRP 1,053 1,055 1.05 5.98 8.93 68.415 212 ZURICH INS GRP 957 697 -28.87 -32.82 8.12 76.536 218 CNA INS GRP 877 888 -28.09 -22.39 7.44 83.977 36234 PREFERRED PROFESSIONAL INS CO 434 614 36.91 68.58 3.68 87.658 2638 NCMIC GRP 397 389 58.79 82.45 3.37 91.029 1129 WHITE MOUNTAINS GRP 247 219 -12.43 6.10 2.09 93.1110 831 DOCTORS CO GRP 221 212 0.00 8.06 1.88 94.99

**STATE TOTAL** 11,788 12,167 -60.78 -48.35 100.00 100.00. .

Ohio 1 31 BERKSHIRE HATHAWAY GRP 78,616 81,499 41.09 52.94 20.44 20.442 2698 PROASSURANCE CORP GRP 66,349 70,636 -27.63 -31.94 17.25 37.693 831 DOCTORS CO GRP 64,651 66,090 63.82 78.00 16.81 54.504 966 AP CAPITAL GRP 16,957 18,768 -29.75 -21.54 4.41 58.915 218 CNA INS GRP 15,432 15,411 -0.27 3.67 4.01 62.936 36234 PREFERRED PROFESSIONAL INS CO 15,190 21,778 4.48 9.59 3.95 66.887 244 CINCINNATI FIN GRP 13,521 14,065 47.03 54.28 3.52 70.398 1154 PROMUTUAL GRP 11,819 13,304 -52.81 -46.76 3.07 73.469 12 AMERICAN INTL GRP 11,349 12,158 5.02 8.31 2.95 76.4210 626 ACE LTD GRP 9,052 9,373 28.24 49.94 2.35 78.77

**STATE TOTAL** 384,589 407,247 17.00 24.18 100.00 100.00. .

Oklahoma 1 4661 PLICO COS GRP 51,594 50,818 36.30 51.77 40.53 40.532 31 BERKSHIRE HATHAWAY GRP 25,878 25,053 92.16 109.82 20.33 60.853 218 CNA INS GRP 11,241 11,138 149.65 163.68 8.83 69.684 32557 AMERICAN PHYSICIANS INS CO 3,569 3,162 123.28 145.00 2.80 72.495 11998 HEARTLAND HLTHCARE RECIP RRG 3,498 3,498 25.78 46.33 2.75 75.246 3239 ALLIED WORLD ASSUR HOLDING GRP 3,254 3,530 11.23 27.25 2.56 77.797 12 AMERICAN INTL GRP 2,821 2,842 43.24 62.71 2.22 80.018 1129 WHITE MOUNTAINS GRP 2,522 2,468 40.89 47.65 1.98 81.999 12308 CIMARRON INS EXCH RRG 2,470 2,470 20.61 31.15 1.94 83.9310 508 NATIONAL GRP 2,324 2,451 13.41 50.95 1.83 85.76

**STATE TOTAL** 127,305 127,378 63.33 83.24 100.00 100.00. .

Oregon 1 218 CNA INS GRP 35,997 36,952 48.39 60.18 33.74 33.742 831 DOCTORS CO GRP 29,396 35,016 25.63 39.79 27.55 61.293 12 AMERICAN INTL GRP 11,118 11,091 -21.01 -22.28 10.42 71.714 31 BERKSHIRE HATHAWAY GRP 5,279 4,901 41.61 77.84 4.95 76.665 212 ZURICH INS GRP 4,209 4,826 63.33 70.73 3.94 80.606 1313 OREGON DENTAL GRP 2,360 2,276 30.78 73.73 2.21 82.817 2638 NCMIC GRP 1,821 1,750 2.51 29.69 1.71 84.528 12263 HEALTH FUTURE INS EXCH RRG 1,689 1,515 47.02 47.02 1.58 86.109 158 FAIRFAX FIN GRP 1,379 1,223 544.14 593.41 1.29 87.4010 508 NATIONAL GRP 1,286 1,435 53.23 75.81 1.21 88.60

**STATE TOTAL** 106,696 114,133 36.70 50.44 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Pennsylvania 1 31 BERKSHIRE HATHAWAY GRP 96,427 95,839 46.42 65.77 13.00 13.00

2 1282 NORCAL GRP 72,614 73,446 -29.55 -5.07 9.79 22.803 11547 MOUNTAIN LAUREL RRG INC 66,408 64,019 67.77 84.00 8.96 31.754 1324 UPMC HLTH SYSTEM GRP 39,841 39,577 82.10 93.14 5.37 37.135 10842 FRANKLIN CAS INS CO RRG 37,282 36,223 82.01 96.99 5.03 42.156 11530 HEALTHCARE PROVIDERS INS EXCH 30,715 29,341 42.00 57.12 4.14 46.307 11259 COMMUNITY HOSPITAL RRG 28,149 28,149 60.83 82.62 3.80 50.098 10808 CASSATT RRG INC 27,020 26,858 48.44 79.68 3.64 53.749 12 AMERICAN INTL GRP 26,906 31,264 70.56 86.83 3.63 57.3710 36234 PREFERRED PROFESSIONAL INS CO 23,567 24,481 70.34 104.89 3.18 60.54

**STATE TOTAL** 741,492 721,280 45.22 65.60 100.00 100.00. .

Rhode Island 1 1282 NORCAL GRP 14,528 14,363 41.97 67.53 31.75 31.752 1154 PROMUTUAL GRP 10,807 10,635 70.55 72.54 23.62 55.363 12 AMERICAN INTL GRP 8,259 7,315 50.20 63.42 18.05 73.414 13101 MEDICAL MALPRACTICE JOINT UNDERWRITI 5,027 4,839 6.12 -17.68 10.99 84.405 218 CNA INS GRP 2,280 2,312 -34.48 -33.82 4.98 89.386 44083 PREFERRED PHYSICIANS MEDICAL RRG 1,047 1,058 35.02 56.42 2.29 91.677 212 ZURICH INS GRP 618 558 1.13 -2.22 1.35 93.028 4509 IRONSHORE GRP 474 328 320.98 325.37 1.04 94.059 10115 EASTERN DENTISTS INS CO RRG 415 414 36.02 84.25 0.91 94.9610 508 NATIONAL GRP 409 429 8.80 36.37 0.89 95.85

**STATE TOTAL** 45,764 44,964 51.56 62.10 100.00 100.00. .

South Carolina 1 413 MAG MUT INS GRP 16,781 15,975 -2.08 5.86 29.31 29.312 31 BERKSHIRE HATHAWAY GRP 13,607 14,008 45.23 64.26 23.77 53.083 218 CNA INS GRP 9,943 11,404 165.57 191.60 17.37 70.454 831 DOCTORS CO GRP 1,454 1,414 67.53 127.03 2.54 72.995 508 NATIONAL GRP 1,423 1,391 451.80 474.16 2.49 75.486 3239 ALLIED WORLD ASSUR HOLDING GRP 1,323 671 9.87 20.72 2.31 77.797 2698 PROASSURANCE CORP GRP 1,265 1,148 8.50 25.71 2.21 80.008 1129 WHITE MOUNTAINS GRP 1,243 539 40.84 60.55 2.17 82.179 3786 ENDURANCE GRP 1,049 355 67.55 75.05 1.83 84.0010 1272 FPIC INS GRP 918 633 57.42 95.70 1.60 85.60

**STATE TOTAL** 57,247 55,651 63.27 82.01 100.00 100.00. .

South Dakota 1 16942 MMIC INS INC 16,129 16,743 42.77 53.38 75.86 75.862 218 CNA INS GRP 1,423 1,397 -10.89 -3.16 6.70 82.563 12 AMERICAN INTL GRP 891 1,215 -29.37 -33.02 4.19 86.754 831 DOCTORS CO GRP 664 689 -73.52 -16.96 3.13 89.875 2698 PROASSURANCE CORP GRP 374 424 20.96 66.64 1.76 91.636 212 ZURICH INS GRP 291 166 -90.25 -96.97 1.37 93.007 2638 NCMIC GRP 226 222 -0.23 14.96 1.06 94.068 31 BERKSHIRE HATHAWAY GRP 202 191 -1249.03 -1402.54 0.95 95.019 785 MARKEL CORP GRP 176 217 -25.58 -21.92 0.83 95.8410 1279 ARCH INS GRP 148 149 -205.42 -233.19 0.69 96.54

**STATE TOTAL** 21,261 22,326 15.47 25.24 100.00 100.00. .

Tennessee 1 33049 STATE VOLUNTEER MUT INS CO 169,101 168,336 12.27 34.96 60.42 60.422 12 AMERICAN INTL GRP 33,903 39,711 4.16 71.49 12.11 72.533 212 ZURICH INS GRP 19,735 20,526 105.34 114.25 7.05 79.584 218 CNA INS GRP 11,951 11,803 -150.24 -143.67 4.27 83.855 2698 PROASSURANCE CORP GRP 8,218 8,068 126.48 163.09 2.94 86.796 1129 WHITE MOUNTAINS GRP 5,478 5,796 42.50 47.52 1.96 88.757 31 BERKSHIRE HATHAWAY GRP 5,473 5,105 68.13 127.81 1.96 90.708 1279 ARCH INS GRP 5,455 5,144 -17.44 -19.92 1.95 92.659 626 ACE LTD GRP 5,270 5,754 20.37 36.05 1.88 94.5310 3239 ALLIED WORLD ASSUR HOLDING GRP 4,942 4,863 13.10 23.38 1.77 96.30

**STATE TOTAL** 279,887 284,099 11.69 39.76 100.00 100.00. .

Texas 1 32557 AMERICAN PHYSICIANS INS CO 59,914 61,013 11.33 21.27 17.37 17.372 31 BERKSHIRE HATHAWAY GRP 51,712 54,448 40.90 56.00 14.99 32.363 1272 FPIC INS GRP 27,727 26,378 27.13 61.07 8.04 40.404 218 CNA INS GRP 23,956 22,209 -19.11 -7.89 6.95 47.35




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 12 AMERICAN INTL GRP 17,757 20,182 33.96 53.70 5.15 52.506 831 DOCTORS CO GRP 12,195 12,863 151.83 200.70 3.54 56.037 32697 TEXAS MEDICAL LIAB INS UNDWRITING AS 11,511 12,186 12.83 70.35 3.34 59.378 212 ZURICH INS GRP 8,901 11,201 -37.31 -37.24 2.58 61.959 2698 PROASSURANCE CORP GRP 8,416 7,876 13.05 13.45 2.44 64.3910 508 NATIONAL GRP 8,294 8,611 10.42 26.04 2.40 66.80

**STATE TOTAL** 344,904 353,159 14.56 30.00 100.00 100.00. .

Utah 1 36676 UTAH MEDICAL INS ASSOC 45,378 43,984 40.62 78.00 62.86 62.862 31 BERKSHIRE HATHAWAY GRP 4,423 4,171 88.36 58.80 6.13 68.993 12 AMERICAN INTL GRP 3,064 3,320 27.35 39.03 4.24 73.234 831 DOCTORS CO GRP 2,887 3,010 -91.25 -62.48 4.00 77.235 218 CNA INS GRP 2,809 2,778 -49.75 -34.85 3.89 81.126 785 MARKEL CORP GRP 2,144 2,603 34.14 38.02 2.97 84.097 32832 MUTUAL INS CO OF AZ 1,905 1,873 63.46 115.06 2.64 86.738 1129 WHITE MOUNTAINS GRP 1,316 756 15.87 18.16 1.82 88.559 212 ZURICH INS GRP 1,114 1,410 0.68 -2.23 1.54 90.1010 2698 PROASSURANCE CORP GRP 1,113 1,020 25.02 40.24 1.54 91.64

**STATE TOTAL** 72,188 70,802 31.93 59.37 100.00 100.00. .

Vermont 1 1154 PROMUTUAL GRP 8,319 7,804 38.46 37.03 37.65 37.652 36277 MEDICAL MUT INS CO OF ME 8,213 8,420 22.90 35.24 37.17 74.823 98 WR BERKLEY CORP GRP 1,463 1,460 10.55 21.38 6.62 81.444 831 DOCTORS CO GRP 772 774 37.64 68.19 3.49 84.935 218 CNA INS GRP 651 613 -1183.26 -1175.16 2.95 87.886 12 AMERICAN INTL GRP 354 385 -18.72 8.24 1.60 89.487 244 CINCINNATI FIN GRP 273 247 83.38 96.15 1.24 90.728 212 ZURICH INS GRP 251 214 -23.76 -25.18 1.14 91.859 508 NATIONAL GRP 223 217 93.53 121.07 1.01 92.8610 2638 NCMIC GRP 217 213 361.80 408.14 0.98 93.84

**STATE TOTAL** 22,096 21,615 -3.24 4.91 100.00 100.00. .

Virginia 1 831 DOCTORS CO GRP 44,750 44,485 43.46 57.14 18.80 18.802 377 MEDICAL INS OF MD GRP 28,528 28,548 26.99 36.16 11.98 30.783 184 MEDICAL INS GRP 28,126 29,580 10.31 27.37 11.81 42.604 31 BERKSHIRE HATHAWAY GRP 27,134 26,538 29.79 63.60 11.40 53.995 413 MAG MUT INS GRP 14,554 14,238 46.32 53.25 6.11 60.116 2698 PROASSURANCE CORP GRP 14,172 13,826 -29.16 -38.50 5.95 66.067 158 FAIRFAX FIN GRP 13,361 13,100 39.43 58.79 5.61 71.678 218 CNA INS GRP 7,668 7,724 -0.50 2.94 3.22 74.899 33049 STATE VOLUNTEER MUT INS CO 7,287 7,332 63.11 67.91 3.06 77.9510 12 AMERICAN INTL GRP 6,911 7,252 107.57 134.63 2.90 80.86

**STATE TOTAL** 238,061 237,532 27.87 40.63 100.00 100.00. .

Washington 1 464 PHYSICIANS INS A MUT GRP 69,758 69,158 20.36 43.52 34.68 34.682 831 DOCTORS CO GRP 24,913 24,928 34.56 52.07 12.39 47.063 12 AMERICAN INTL GRP 14,046 15,418 82.18 100.37 6.98 54.054 31 BERKSHIRE HATHAWAY GRP 13,172 12,847 22.03 37.30 6.55 60.605 218 CNA INS GRP 11,962 13,020 14.83 26.40 5.95 66.546 1154 PROMUTUAL GRP 11,596 10,945 72.17 84.36 5.76 72.317 212 ZURICH INS GRP 6,804 6,818 -60.53 -64.36 3.38 75.698 12355 MD RRG INC 5,324 5,324 49.47 72.44 2.65 78.349 158 FAIRFAX FIN GRP 4,038 3,883 43.15 58.37 2.01 80.3410 1313 OREGON DENTAL GRP 3,718 3,558 57.81 82.99 1.85 82.19

**STATE TOTAL** 201,154 203,039 31.01 48.15 100.00 100.00. .

West Virginia 1 11972 WEST VIRGINIA MUT INS CO 39,770 41,127 35.06 55.28 51.87 51.872 12754 MEDICUS INS CO 4,743 3,706 34.76 53.70 6.19 58.053 12779 MOUNTAINEER FREEDOM RRG INC 4,028 4,133 37.27 37.27 5.25 63.314 12 AMERICAN INTL GRP 3,934 5,601 12.76 41.41 5.13 68.445 11259 COMMUNITY HOSPITAL RRG 3,458 3,458 -2.18 -2.29 4.51 72.956 3239 ALLIED WORLD ASSUR HOLDING GRP 2,694 2,413 25.04 21.29 3.51 76.467 2698 PROASSURANCE CORP GRP 2,597 2,767 -70.71 -174.22 3.39 79.858 218 CNA INS GRP 2,406 2,547 69.53 78.18 3.14 82.999 98 WR BERKLEY CORP GRP 1,510 1,315 96.11 103.53 1.97 84.96




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 11832 HEALTH CARE INDUSTRY LIAB RECIP INS 1,175 1,367 50.69 61.29 1.53 86.49**STATE TOTAL** 76,674 79,131 29.14 41.17 100.00 100.00

. .Wisconsin 1 2698 PROASSURANCE CORP GRP 30,451 30,938 40.20 64.94 30.20 30.20

2 218 CNA INS GRP 20,374 20,232 34.05 36.70 20.20 50.403 31 BERKSHIRE HATHAWAY GRP 12,971 13,488 72.38 103.79 12.86 63.264 16942 MMIC INS INC 12,374 12,463 54.71 72.05 12.27 75.535 33405 WISCONSIN HLTH CARE LIAB INS PLAN 5,294 5,386 42.47 59.35 5.25 80.786 1154 PROMUTUAL GRP 3,333 3,371 -54.15 -47.42 3.31 84.097 212 ZURICH INS GRP 2,038 1,921 -27.04 -2.43 2.02 86.118 2638 NCMIC GRP 1,900 1,889 64.37 83.01 1.88 87.999 244 CINCINNATI FIN GRP 1,546 1,514 111.80 113.16 1.53 89.5310 1129 WHITE MOUNTAINS GRP 1,478 1,533 12.51 16.37 1.47 90.99

**STATE TOTAL** 100,844 102,326 32.32 50.40 100.00 100.00. .

Wyoming 1 36676 UTAH MEDICAL INS ASSOC 8,932 8,733 27.06 45.57 33.31 33.312 831 DOCTORS CO GRP 7,457 7,469 62.72 82.50 27.81 61.123 212 ZURICH INS GRP 2,479 2,401 -86.03 -84.64 9.24 70.364 11585 MOUNTAIN STATES HLTHCARE RECIP RRG 2,123 2,123 86.26 99.07 7.92 78.285 12 AMERICAN INTL GRP 956 1,010 35.71 45.60 3.57 81.856 218 CNA INS GRP 847 815 32.39 48.15 3.16 85.007 31 BERKSHIRE HATHAWAY GRP 736 664 134.82 203.96 2.74 87.758 3239 ALLIED WORLD ASSUR HOLDING GRP 623 595 24.34 36.88 2.32 90.079 11796 YELLOWSTONE INS EXCH RRG 601 601 22.76 38.19 2.24 92.3110 1279 ARCH INS GRP 426 426 71.78 86.86 1.59 93.90

**STATE TOTAL** 26,815 26,451 36.83 55.03 100.00 100.00. .

Guam 1 831 DOCTORS CO GRP 506 520 10.92 -16.59 66.61 66.612 218 CNA INS GRP 114 59 0.00 0.00 15.06 81.673 785 MARKEL CORP GRP 104 142 6.89 9.16 13.64 95.314 10972 FIRST NET INS CO 20 27 0.00 0.00 2.70 98.015 98 WR BERKLEY CORP GRP 11 10 26.71 35.12 1.38 99.39

**STATE TOTAL** 760 763 13.35 -4.77 100.00 100.00. .

Puerto Rico 1 11078 SIMED 30,160 30,463 11.87 28.26 41.53 41.532 218 CNA INS GRP 15,505 13,840 8.71 28.05 21.35 62.883 40568 TRIPLE S PROPIEDAD INC 13,304 6,292 15.26 19.41 18.32 81.204 98 WR BERKLEY CORP GRP 9,709 9,846 50.12 68.74 13.37 94.575 785 MARKEL CORP GRP 1,904 1,476 30.49 36.11 2.62 97.196 12332 PUERTO RICO MED DEFENSE MUT INS CO 1,335 1,359 15.31 17.32 1.84 99.037 31 BERKSHIRE HATHAWAY GRP 471 553 39.08 51.83 0.65 99.688 3239 ALLIED WORLD ASSUR HOLDING GRP 158 158 -23.79 -26.91 0.22 99.89

**STATE TOTAL** 72,622 64,113 16.78 30.19 100.00 100.00. .

U.S. Virgin Islands 1 1279 ARCH INS GRP 45 45 14.18 17.52 24.53 24.532 626 ACE LTD GRP 42 17 41.87 54.48 22.54 47.073 218 CNA INS GRP 33 33 -13.44 -4.72 17.99 65.074 761 ALLIANZ INS GRP 25 26 116.64 136.06 13.68 78.755 98 WR BERKLEY CORP GRP 17 16 18.20 22.67 9.24 87.996 2638 NCMIC GRP 16 15 60.52 69.93 8.72 96.717 12373 CARING COMMUNITIES RECIP RRG 5 5 57.09 57.09 2.74 99.45

**STATE TOTAL** 184 159 33.49 42.05 100.00 100.00. .

Canada 1 1279 ARCH INS GRP 519 490 47.42 76.17 95.92 95.92**STATE TOTAL** 541 562 296.18 315.71 100.00 100.00

. .Aggregate Other Alien 1 35904 HEALTH CARE IND INC 515 515 475.16 490.29 -10.74 -10.74

2 626 ACE LTD GRP 18 8 -144694.1 -199885.8 -0.38 -11.13**STATE TOTAL** -4,793 -4,534 N/A N/A 100.00 100.00

. .




12— Earthquake



States, U.S. Territories, Canada, and Aggregate Other Alien12-Earthquake



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 176 STATE FARM GRP 251,599 252,303 -0.00 0.60 12.74 12.742 212 ZURICH INS GRP 235,869 239,000 0.41 0.46 11.95 24.693 12 AMERICAN INTL GRP 160,096 140,558 -2.50 -2.49 8.11 32.804 3829 GEOVERA HOLDINGS INC GRP 130,818 131,297 0.16 0.16 6.63 39.435 3548 TRAVELERS GRP 102,230 99,395 -0.15 -0.43 5.18 44.616 3416 AXIS CAPITAL GRP 95,818 95,054 -7.43 -7.57 4.85 49.467 111 LIBERTY MUT GRP 79,989 97,762 -0.33 -0.41 4.05 53.518 626 ACE LTD GRP 77,848 74,389 2.00 2.02 3.94 57.459 3786 ENDURANCE GRP 68,556 62,345 -3.14 -3.27 3.47 60.9310 761 ALLIANZ INS GRP 68,357 68,324 0.59 1.00 3.46 64.3911 38 CHUBB & SON INC GRP 51,995 51,520 -0.01 -0.01 2.63 67.0212 922 AMERICAN ASSETS GRP 49,973 59,627 -0.00 -0.00 2.53 69.5513 1279 ARCH INS GRP 47,286 42,973 -0.56 -0.57 2.40 71.9514 140 NATIONWIDE CORP GRP 45,710 45,219 -0.49 -0.59 2.32 74.2615 200 UNITED SERV AUTOMOBILE ASSN GRP 36,540 35,871 0.16 0.16 1.85 76.1116 181 SWISS RE GRP 33,065 30,573 20.70 20.69 1.67 77.7917 783 RLI INS GRP 27,166 27,286 -0.21 -0.21 1.38 79.1718 91 HARTFORD FIRE & CAS GRP 24,969 25,010 -0.02 0.05 1.26 80.4319 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 19,796 19,407 -0.01 0.00 1.00 81.4320 4636 MAX CAPITAL GRP 19,715 16,512 17.14 15.26 1.00 82.4321 39861 GOLDEN BEAR INS CO 18,926 15,896 -0.31 -0.43 0.96 83.3922 1285 XL AMER GRP 18,565 18,116 5.99 3.78 0.94 84.3323 28 AMICA MUT GRP 17,663 17,407 0.14 0.11 0.89 85.2324 411 MAPFRE INS GRP 17,613 22,624 0.06 0.07 0.89 86.1225 473 AMERICAN FAMILY INS GRP 14,218 13,914 -0.05 -0.05 0.72 86.8426 241 METROPOLITAN GRP 13,912 13,495 -1.16 -1.26 0.70 87.5427 123 SHELTER INS GRP 13,880 13,605 0.04 0.04 0.70 88.2528 10308 ANTILLES INS CO 13,255 11,556 -0.70 -0.67 0.67 88.9229 175 STATE AUTO MUT GRP 12,958 12,853 -0.13 -0.12 0.66 89.5730 984 HCC INS HOLDINGS GRP 12,628 9,878 -20.22 -20.14 0.64 90.2131 280 AUTO OWNERS GRP 11,688 11,089 0.42 0.53 0.59 90.8132 3593 USIC GRP 9,797 10,622 0.00 0.00 0.50 91.3033 71 UNIVERSAL INS CO GRP 9,516 7,749 0.00 0.00 0.48 91.7834 785 MARKEL CORP GRP 8,833 12,114 9.73 10.52 0.45 92.2335 501 ALLEGHANY GRP 7,324 6,762 0.00 0.00 0.37 92.6036 361 MUNICH RE GRP 7,246 6,505 -16.57 -17.25 0.37 92.9737 4684 MAIDEN HOLDINGS GRP 7,114 8,575 0.00 0.00 0.36 93.3338 215 UNITRIN GRP 6,061 6,310 0.12 0.12 0.31 93.6439 2898 WESTERN SERV CONTRACT GRP 5,963 6,379 0.03 0.08 0.30 93.9440 408 AMERICAN NATL FIN GRP 5,821 5,774 -0.12 -0.12 0.29 94.2341 26905 CENTURY NATL INS CO 5,812 5,977 -27.37 -47.23 0.29 94.5342 343 NATIONAL INS CO GRP 5,288 6,733 0.01 0.05 0.27 94.8043 228 WESTFIELD GRP 4,480 4,350 0.88 0.80 0.23 95.0244 1129 WHITE MOUNTAINS GRP 4,294 4,716 -0.12 -0.13 0.22 95.2445 267 GRANGE MUT CAS GRP 3,918 4,195 -5.80 -7.52 0.20 95.4446 3617 FIRST MERCURY FIN GRP 3,667 1,132 0.00 0.00 0.19 95.6247 802 CAPITAL INS GRP 3,606 3,638 0.00 0.01 0.18 95.8148 300 HORACE MANN GRP 3,346 3,331 1.12 1.12 0.17 95.9849 31 BERKSHIRE HATHAWAY GRP 3,135 3,277 -5.78 -6.07 0.16 96.1350 37540 BEAZLEY INS CO INC 2,931 2,231 0.64 0.71 0.15 96.2851 84 AMERICAN FINANCIAL GRP 2,909 2,546 -0.38 0.16 0.15 96.4352 1179 WAWANESA INS GRP 2,895 2,886 -0.45 -0.56 0.15 96.5853 26778 INTEGRAND ASSUR CO 2,889 2,780 0.00 0.00 0.15 96.7254 645 OREGON MUT GRP 2,802 2,689 0.05 0.05 0.14 96.8755 291 MOTORISTS MUT GRP 2,710 2,544 0.00 0.00 0.14 97.0056 800 WESTERN MUT INS GRP 2,544 2,555 0.00 0.00 0.13 97.1357 3589 MAXUM SPECIALTY INS GRP 2,542 819 0.00 0.00 0.13 97.2658 8 ALLSTATE INS GRP 2,338 3,265 180.24 204.44 0.12 97.3859 158 FAIRFAX FIN GRP 2,197 4,366 0.67 1.35 0.11 97.4960 3239 ALLIED WORLD ASSUR HOLDING GRP 2,093 3,762 -0.67 -0.66 0.11 97.6061 88 THE HANOVER INS GRP 2,064 1,883 1.79 2.14 0.10 97.7062 244 CINCINNATI FIN GRP 2,046 1,909 2.91 3.19 0.10 97.8063 7 FEDERATED MUT GRP 1,933 1,907 0.00 0.00 0.10 97.9064 23108 LUMBERMENS UNDERWRITING ALLIANCE 1,931 1,689 0.00 0.00 0.10 98.0065 218 CNA INS GRP 1,916 438 64.75 66.16 0.10 98.10




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 253 HARLEYSVILLE GRP 1,859 1,798 2.90 3.03 0.09 98.1967 1278 CALIFORNIA STATE AUTO GRP 1,830 1,709 2.88 4.43 0.09 98.2868 17779 GUARDIAN INS CO INC 1,664 1,498 0.00 0.00 0.08 98.3769 670 FIDELITY NATL FIN GRP 1,610 1,476 0.62 0.61 0.08 98.4570 33 CALIFORNIA CAS MGMT GRP 1,607 1,620 0.00 0.00 0.08 98.5371 44776 TORUS SPECIALTY INS CO 1,457 417 29.96 29.96 0.07 98.6172 10717 ASPEN SPECIALTY INS CO 1,427 353 23.24 23.24 0.07 98.6873 225 IAT REINS CO GRP 1,426 1,518 0.00 0.00 0.07 98.7574 518 GRINNELL MUT GRP 1,416 1,367 0.00 0.00 0.07 98.8275 62 EMC INS CO GRP 1,402 1,404 0.00 0.00 0.07 98.8976 70 FIRST AMER TITLE GRP 1,240 1,222 0.00 0.00 0.06 98.9677 36 CENTRAL MUT INS CO GRP 1,206 1,132 0.36 0.59 0.06 99.0278 483 SOUTHERN FARM BUREAU CAS GRP 1,184 984 0.00 0.00 0.06 99.0879 18380 PACIFIC IND INS CO 1,060 1,061 13.13 15.75 0.05 99.1380 4509 IRONSHORE GRP 1,038 67 17.66 19.62 0.05 99.1881 3219 SOMPO JAPAN INS GRP 970 847 0.00 0.00 0.05 99.2382 796 QBE INS GRP 953 1,078 2.71 3.56 0.05 99.2883 169 SENTRY INS GRP 897 892 -8.64 -6.29 0.05 99.3384 12633 CENTURY INS CO GU LTD 858 85 60.48 69.39 0.04 99.3785 3494 JAMES RIVER GRP 652 737 -3.99 -6.88 0.03 99.4086 9 JPMORGAN CHASE & CO GRP 650 643 0.00 0.00 0.03 99.4387 586 ARBELLA INS GRP 618 574 0.00 0.00 0.03 99.4788 13597 CHUNG KUO INS CO LTD 599 689 12.59 13.96 0.03 99.5089 4672 DONGBU INS GRP 581 613 22.95 27.84 0.03 99.5390 96 SECURA INS GRP 571 572 -1.39 -1.58 0.03 99.5591 27065 ROCKFORD MUT INS CO 549 553 0.90 0.90 0.03 99.5892 10972 FIRST NET INS CO 542 552 7.91 10.73 0.03 99.6193 40126 UMIALIK INS CO 536 532 0.00 0.00 0.03 99.6494 1319 LITITZ MUT GRP 512 514 0.00 0.00 0.03 99.6695 234 VERMONT MUT GRP 505 505 0.00 0.00 0.03 99.6996 303 GUIDEONE INS GRP 503 469 0.45 0.55 0.03 99.7197 333 MUTUAL OF ENUMCLAW GRP 500 697 -2.93 1.93 0.03 99.7498 660 MERCURY GEN GRP 492 421 0.00 0.00 0.02 99.7699 248 UNITED FIRE & CAS GRP 459 478 -0.42 -0.45 0.02 99.79100 1281 BANKAMERICA CORP GRP 429 258 -1.60 -2.14 0.02 99.81101 32727 UNDERWRITERS AT LLOYDS 381 429 67.51 71.58 0.02 99.83102 15792 UNDERWRITERS AT LLOYDS LONDON 374 341 0.00 0.00 0.02 99.85103 35 CELINA GRP 346 340 -1.47 -1.47 0.02 99.87104 1243 WEST BEND MUT GRP 244 226 0.00 0.00 0.01 99.88105 250 DONEGAL GRP 202 197 0.00 0.00 0.01 99.89106 855 MILLERS FIRST INS CO GRP 196 199 -1.19 -1.20 0.01 99.90

**INDUSTRY TOTAL** 1,974,229 1,967,973 0.15 0.18 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 12 AMERICAN INTL GRP 1,535 1,508 0.00 0.00 21.21 21.212 176 STATE FARM GRP 1,402 1,556 0.09 0.16 19.37 40.573 3548 TRAVELERS GRP 1,074 1,096 -0.04 -0.27 14.83 55.414 761 ALLIANZ INS GRP 462 464 0.98 1.08 6.38 61.795 3416 AXIS CAPITAL GRP 356 228 -11.40 -11.65 4.92 66.716 200 UNITED SERV AUTOMOBILE ASSN GRP 355 347 -0.01 -0.01 4.91 71.617 111 LIBERTY MUT GRP 237 261 -0.20 -0.39 3.27 74.898 212 ZURICH INS GRP 221 218 6.74 6.73 3.05 77.949 140 NATIONWIDE CORP GRP 187 184 2.09 2.17 2.58 80.5210 4636 MAX CAPITAL GRP 186 122 15.31 13.82 2.57 83.09

**STATE TOTAL** 7,238 7,289 -0.43 -0.47 100.00 100.00. .

Alaska 1 176 STATE FARM GRP 8,885 8,987 0.00 0.00 42.63 42.632 200 UNITED SERV AUTOMOBILE ASSN GRP 2,844 2,750 0.02 0.02 13.65 56.283 626 ACE LTD GRP 2,594 2,225 -0.01 -0.03 12.45 68.734 922 AMERICAN ASSETS GRP 1,003 1,119 0.00 0.00 4.81 73.545 3416 AXIS CAPITAL GRP 694 363 -8.61 -8.80 3.33 76.876 3786 ENDURANCE GRP 643 569 1.13 1.18 3.09 79.967 181 SWISS RE GRP 600 578 0.00 0.00 2.88 82.848 40126 UMIALIK INS CO 526 522 0.00 0.00 2.52 85.369 12 AMERICAN INTL GRP 488 368 0.00 0.00 2.34 87.7010 300 HORACE MANN GRP 393 390 0.00 0.00 1.88 89.59

**STATE TOTAL** 20,840 20,170 0.12 0.09 100.00 100.00. .

Arizona 1 3548 TRAVELERS GRP 1,203 1,081 -0.44 -1.09 17.76 17.762 12 AMERICAN INTL GRP 1,189 1,235 -0.16 -0.16 17.55 35.323 761 ALLIANZ INS GRP 719 578 1.09 1.28 10.61 45.934 212 ZURICH INS GRP 523 528 1.31 1.35 7.72 53.655 626 ACE LTD GRP 510 531 -0.28 -0.31 7.52 61.186 200 UNITED SERV AUTOMOBILE ASSN GRP 360 360 -0.01 -0.01 5.31 66.497 111 LIBERTY MUT GRP 283 329 -0.13 -0.18 4.17 70.668 176 STATE FARM GRP 200 206 -2.56 -2.56 2.95 73.619 4684 MAIDEN HOLDINGS GRP 195 189 0.00 0.00 2.89 76.4910 3416 AXIS CAPITAL GRP 171 330 -32.15 -32.85 2.53 79.03

**STATE TOTAL** 6,774 6,562 -1.33 -1.47 100.00 100.00. .

Arkansas 1 176 STATE FARM GRP 4,434 4,313 -0.00 -0.00 23.20 23.202 200 UNITED SERV AUTOMOBILE ASSN GRP 2,278 2,084 0.08 0.08 11.92 35.123 3548 TRAVELERS GRP 1,664 1,430 -0.19 -0.47 8.71 43.824 123 SHELTER INS GRP 1,599 1,591 0.06 0.06 8.36 52.195 3416 AXIS CAPITAL GRP 1,327 908 -4.36 -4.46 6.94 59.136 212 ZURICH INS GRP 822 741 0.99 0.94 4.30 63.437 111 LIBERTY MUT GRP 745 743 -0.10 -0.17 3.90 67.328 12 AMERICAN INTL GRP 685 625 0.00 0.00 3.58 70.919 984 HCC INS HOLDINGS GRP 652 515 -75.48 -75.48 3.41 74.3210 140 NATIONWIDE CORP GRP 601 559 -0.05 -0.10 3.15 77.47

**STATE TOTAL** 19,113 17,778 -2.13 -2.16 100.00 100.00. .

California 1 212 ZURICH INS GRP 185,427 188,986 0.02 0.06 18.97 18.972 3829 GEOVERA HOLDINGS INC GRP 114,032 115,440 0.18 0.19 11.67 30.643 3416 AXIS CAPITAL GRP 77,325 77,591 -5.12 -5.26 7.91 38.564 176 STATE FARM GRP 60,224 61,746 -0.20 2.12 6.16 44.725 3786 ENDURANCE GRP 54,005 48,890 -3.82 -3.98 5.53 50.256 626 ACE LTD GRP 45,757 42,792 1.06 1.12 4.68 54.937 12 AMERICAN INTL GRP 41,342 26,349 0.08 0.09 4.23 59.168 922 AMERICAN ASSETS GRP 40,586 49,233 -0.00 -0.01 4.15 63.319 761 ALLIANZ INS GRP 36,025 35,719 -1.24 -0.92 3.69 67.0010 1279 ARCH INS GRP 35,848 32,581 -0.00 -0.00 3.67 70.67

**STATE TOTAL** 977,221 971,089 -0.68 -0.67 100.00 100.00. .

Colorado 1 12 AMERICAN INTL GRP 2,291 2,113 0.00 0.00 27.43 27.432 3548 TRAVELERS GRP 1,017 994 -0.02 -0.66 12.18 39.613 212 ZURICH INS GRP 800 815 2.79 2.87 9.58 49.194 176 STATE FARM GRP 522 517 0.00 0.00 6.25 55.445 761 ALLIANZ INS GRP 516 487 2.34 2.54 6.18 61.62




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 200 UNITED SERV AUTOMOBILE ASSN GRP 488 500 -0.02 -0.02 5.84 67.467 38 CHUBB & SON INC GRP 397 400 0.00 0.00 4.75 72.218 626 ACE LTD GRP 297 325 0.02 0.03 3.56 75.779 111 LIBERTY MUT GRP 266 298 -0.14 -0.24 3.19 78.9610 1285 XL AMER GRP 185 171 -1.15 -1.21 2.21 81.17

**STATE TOTAL** 8,351 8,164 -1.16 -1.28 100.00 100.00. .

Connecticut 1 12 AMERICAN INTL GRP 1,030 957 0.00 0.00 20.04 20.042 3548 TRAVELERS GRP 825 808 -2.75 -3.45 16.05 36.103 111 LIBERTY MUT GRP 534 607 -0.03 -0.06 10.39 46.494 38 CHUBB & SON INC GRP 343 349 0.00 0.00 6.68 53.175 3416 AXIS CAPITAL GRP 312 304 -5.34 -5.47 6.07 59.246 761 ALLIANZ INS GRP 269 260 5.04 5.41 5.24 64.497 212 ZURICH INS GRP 257 268 11.75 11.71 5.00 69.488 626 ACE LTD GRP 254 173 -0.67 -0.58 4.95 74.439 28 AMICA MUT GRP 246 242 0.00 0.00 4.79 79.2210 200 UNITED SERV AUTOMOBILE ASSN GRP 185 185 -0.01 -0.01 3.60 82.82

**STATE TOTAL** 5,140 5,076 0.17 0.09 100.00 100.00. .

Delaware 1 3548 TRAVELERS GRP 161 175 -0.40 -1.18 21.60 21.602 176 STATE FARM GRP 79 109 0.00 0.00 10.57 32.173 212 ZURICH INS GRP 75 83 2.92 2.92 10.02 42.194 761 ALLIANZ INS GRP 67 66 1.42 1.57 8.95 51.135 228 WESTFIELD GRP 63 66 0.01 -0.06 8.42 59.566 140 NATIONWIDE CORP GRP 44 44 -0.15 -0.25 5.89 65.457 626 ACE LTD GRP 40 102 -0.01 -0.01 5.40 70.858 12 AMERICAN INTL GRP 30 26 0.00 0.00 4.06 74.919 111 LIBERTY MUT GRP 29 40 0.00 0.00 3.87 78.7810 200 UNITED SERV AUTOMOBILE ASSN GRP 29 29 -0.03 -0.03 3.85 82.63

**STATE TOTAL** 747 889 -0.99 -1.20 100.00 100.00. .

District of Columbia 1 12 AMERICAN INTL GRP 442 486 0.00 0.00 24.80 24.802 3548 TRAVELERS GRP 420 376 -0.29 -0.82 23.55 48.353 626 ACE LTD GRP 201 180 0.00 0.00 11.26 59.614 761 ALLIANZ INS GRP 186 165 1.13 1.23 10.42 70.035 111 LIBERTY MUT GRP 68 86 0.00 -0.00 3.80 73.826 3239 ALLIED WORLD ASSUR HOLDING GRP 59 36 0.00 0.00 3.30 77.127 181 SWISS RE GRP 58 53 0.00 0.00 3.24 80.368 212 ZURICH INS GRP 54 48 2.17 2.17 3.01 83.379 984 HCC INS HOLDINGS GRP 33 33 -11.52 -11.52 1.87 85.2510 176 STATE FARM GRP 33 33 0.00 0.00 1.84 87.08

**STATE TOTAL** 1,782 1,699 -2.67 -2.91 100.00 100.00. .

Florida 1 12 AMERICAN INTL GRP 17,004 17,767 -0.02 -0.02 53.74 53.742 3548 TRAVELERS GRP 4,276 4,279 -0.35 -1.06 13.51 67.253 626 ACE LTD GRP 2,059 1,901 0.05 0.05 6.51 73.764 4636 MAX CAPITAL GRP 1,896 1,768 11.46 9.32 5.99 79.755 4684 MAIDEN HOLDINGS GRP 851 697 0.00 0.00 2.69 82.446 111 LIBERTY MUT GRP 762 879 -0.01 -0.01 2.41 84.857 1279 ARCH INS GRP 700 626 0.00 0.00 2.21 87.068 176 STATE FARM GRP 534 587 1.95 2.08 1.69 88.759 212 ZURICH INS GRP 490 492 3.36 3.36 1.55 90.2910 3416 AXIS CAPITAL GRP 474 397 -54.56 -55.75 1.50 91.79

**STATE TOTAL** 31,645 31,732 18.89 21.09 100.00 100.00. .

Georgia 1 12 AMERICAN INTL GRP 3,035 2,925 0.00 0.00 22.14 22.142 3548 TRAVELERS GRP 2,302 2,143 -0.21 -0.78 16.79 38.923 176 STATE FARM GRP 1,736 1,746 0.19 0.19 12.66 51.584 626 ACE LTD GRP 1,085 876 0.61 0.88 7.91 59.495 761 ALLIANZ INS GRP 804 788 2.06 2.27 5.86 65.366 111 LIBERTY MUT GRP 740 696 -0.09 -0.15 5.40 70.757 212 ZURICH INS GRP 601 632 5.15 5.18 4.38 75.138 200 UNITED SERV AUTOMOBILE ASSN GRP 544 539 -0.01 -0.01 3.97 79.109 181 SWISS RE GRP 402 356 -0.00 -0.00 2.93 82.0410 4636 MAX CAPITAL GRP 291 189 11.49 8.97 2.12 84.16




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 13,713 12,911 -0.10 -0.31 100.00 100.00. .

Hawaii 1 12 AMERICAN INTL GRP 1,240 1,030 -376.73 -376.30 15.75 15.752 626 ACE LTD GRP 1,100 1,092 0.00 0.00 13.96 29.713 212 ZURICH INS GRP 822 1,058 -0.03 -0.02 10.43 40.144 200 UNITED SERV AUTOMOBILE ASSN GRP 554 555 -0.01 0.00 7.03 47.175 922 AMERICAN ASSETS GRP 525 623 0.00 0.00 6.66 53.836 3786 ENDURANCE GRP 482 484 -6.19 -6.45 6.12 59.957 1129 WHITE MOUNTAINS GRP 401 385 -0.06 -0.07 5.08 65.048 4636 MAX CAPITAL GRP 391 423 14.57 11.61 4.96 70.009 1279 ARCH INS GRP 374 354 0.00 0.01 4.75 74.7510 38 CHUBB & SON INC GRP 293 251 0.00 0.00 3.72 78.47

**STATE TOTAL** 7,878 8,065 -49.27 -48.73 100.00 100.00. .

Idaho 1 3548 TRAVELERS GRP 350 343 -0.74 -1.37 14.74 14.742 176 STATE FARM GRP 332 324 0.00 0.00 14.00 28.743 212 ZURICH INS GRP 305 309 0.21 0.22 12.85 41.594 12 AMERICAN INTL GRP 234 149 0.00 0.00 9.88 51.475 200 UNITED SERV AUTOMOBILE ASSN GRP 226 227 0.01 0.01 9.51 60.976 761 ALLIANZ INS GRP 153 164 1.25 1.49 6.44 67.417 38 CHUBB & SON INC GRP 110 119 0.00 0.00 4.63 72.058 111 LIBERTY MUT GRP 91 113 0.55 0.26 3.84 75.899 23108 LUMBERMENS UNDERWRITING ALLIANCE 69 69 0.00 0.00 2.91 78.8010 140 NATIONWIDE CORP GRP 59 63 -0.11 -0.16 2.47 81.27

**STATE TOTAL** 2,372 2,312 -0.15 -0.26 100.00 100.00. .

Illinois 1 176 STATE FARM GRP 15,185 13,909 0.16 0.36 30.37 30.372 3548 TRAVELERS GRP 5,093 4,624 0.30 -0.05 10.19 40.563 12 AMERICAN INTL GRP 4,338 4,084 -0.02 -0.02 8.68 49.234 111 LIBERTY MUT GRP 3,242 3,284 -9.33 -9.49 6.48 55.725 280 AUTO OWNERS GRP 2,122 2,032 2.59 2.80 4.24 59.966 212 ZURICH INS GRP 1,669 1,771 1.32 1.30 3.34 63.307 761 ALLIANZ INS GRP 1,504 1,617 1.40 1.55 3.01 66.318 140 NATIONWIDE CORP GRP 1,400 1,477 -0.07 -0.10 2.80 69.119 626 ACE LTD GRP 1,326 1,365 -0.59 -0.82 2.65 71.7610 1279 ARCH INS GRP 1,264 1,055 -8.92 -9.11 2.53 74.29

**STATE TOTAL** 49,999 47,236 -0.45 -0.41 100.00 100.00. .

Indiana 1 176 STATE FARM GRP 9,412 9,460 -0.20 -0.00 30.20 30.202 111 LIBERTY MUT GRP 3,622 3,801 -0.08 -0.15 11.62 41.833 280 AUTO OWNERS GRP 2,248 2,156 -0.11 0.05 7.21 49.044 3548 TRAVELERS GRP 2,161 2,031 -0.43 -1.13 6.94 55.985 12 AMERICAN INTL GRP 1,653 1,361 0.00 0.00 5.30 61.286 175 STATE AUTO MUT GRP 1,284 1,285 -0.49 -0.47 4.12 65.407 212 ZURICH INS GRP 967 920 3.03 3.05 3.10 68.518 228 WESTFIELD GRP 776 775 4.85 4.78 2.49 71.009 761 ALLIANZ INS GRP 764 771 1.24 1.53 2.45 73.4510 473 AMERICAN FAMILY INS GRP 741 734 -1.23 -1.24 2.38 75.83

**STATE TOTAL** 31,161 30,673 0.35 0.38 100.00 100.00. .

Iowa 1 3548 TRAVELERS GRP 860 755 -0.32 -0.89 23.71 23.712 176 STATE FARM GRP 490 482 0.00 0.00 13.50 37.213 12 AMERICAN INTL GRP 321 239 0.00 0.00 8.86 46.074 140 NATIONWIDE CORP GRP 287 284 -0.06 -0.06 7.92 53.995 761 ALLIANZ INS GRP 248 243 0.95 1.06 6.85 60.846 626 ACE LTD GRP 186 194 0.23 0.30 5.12 65.977 111 LIBERTY MUT GRP 180 210 -0.03 0.65 4.97 70.948 1279 ARCH INS GRP 105 93 0.00 0.00 2.90 73.849 212 ZURICH INS GRP 84 88 11.33 11.34 2.31 76.1510 280 AUTO OWNERS GRP 84 80 -0.04 -0.04 2.31 78.47

**STATE TOTAL** 3,629 3,406 -0.25 -0.34 100.00 100.00. .

Kansas 1 3548 TRAVELERS GRP 1,116 1,046 -0.08 -0.58 20.06 20.062 176 STATE FARM GRP 1,079 1,066 0.00 0.00 19.39 39.443 12 AMERICAN INTL GRP 822 621 0.00 0.00 14.78 54.22




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 761 ALLIANZ INS GRP 378 357 1.87 2.27 6.79 61.015 111 LIBERTY MUT GRP 344 367 -0.16 -0.27 6.19 67.196 212 ZURICH INS GRP 304 297 2.97 3.33 5.47 72.667 140 NATIONWIDE CORP GRP 212 212 -0.05 -0.08 3.81 76.478 473 AMERICAN FAMILY INS GRP 180 177 0.00 0.00 3.24 79.719 62 EMC INS CO GRP 144 138 0.00 0.00 2.59 82.3010 984 HCC INS HOLDINGS GRP 125 70 -82.58 -82.58 2.25 84.55

**STATE TOTAL** 5,564 5,111 -1.15 -1.23 100.00 100.00. .

Kentucky 1 176 STATE FARM GRP 8,698 8,582 0.11 0.19 24.75 24.752 111 LIBERTY MUT GRP 4,501 4,583 -0.11 -0.12 12.81 37.563 175 STATE AUTO MUT GRP 2,827 2,811 -0.36 -0.36 8.04 45.604 8 ALLSTATE INS GRP 2,084 3,008 0.31 0.60 5.93 51.535 3548 TRAVELERS GRP 1,999 1,970 -0.42 -0.01 5.69 57.226 280 AUTO OWNERS GRP 1,706 1,605 -0.09 0.18 4.85 62.077 267 GRANGE MUT CAS GRP 1,076 1,144 -5.53 -7.17 3.06 65.148 123 SHELTER INS GRP 1,071 1,084 0.16 0.16 3.05 68.199 200 UNITED SERV AUTOMOBILE ASSN GRP 908 873 0.34 0.34 2.59 70.7710 12 AMERICAN INTL GRP 902 774 0.00 0.00 2.57 73.34

**STATE TOTAL** 35,141 35,826 0.48 0.57 100.00 100.00. .

Louisiana 1 12 AMERICAN INTL GRP 4,584 3,784 0.00 0.00 54.37 54.372 3548 TRAVELERS GRP 660 686 -0.70 0.28 7.83 62.203 176 STATE FARM GRP 633 627 -0.13 -0.13 7.50 69.714 4636 MAX CAPITAL GRP 459 382 15.72 14.57 5.44 75.155 111 LIBERTY MUT GRP 367 330 -0.01 -0.01 4.35 79.506 761 ALLIANZ INS GRP 291 311 1.65 1.79 3.45 82.957 1279 ARCH INS GRP 274 243 0.00 0.00 3.25 86.208 626 ACE LTD GRP 250 312 -0.32 2.89 2.97 89.179 212 ZURICH INS GRP 150 144 4.37 4.38 1.78 90.9410 4684 MAIDEN HOLDINGS GRP 102 88 0.00 0.00 1.21 92.15

**STATE TOTAL** 8,430 7,426 0.21 0.36 100.00 100.00. .

Maine 1 3548 TRAVELERS GRP 221 238 -0.39 -0.86 15.50 15.502 111 LIBERTY MUT GRP 195 200 0.00 -0.00 13.66 29.163 12 AMERICAN INTL GRP 144 128 0.00 0.00 10.10 39.264 3416 AXIS CAPITAL GRP 133 130 20.72 21.16 9.29 48.555 38 CHUBB & SON INC GRP 127 124 0.00 0.00 8.88 57.436 176 STATE FARM GRP 115 120 0.00 0.00 8.08 65.517 761 ALLIANZ INS GRP 69 52 2.15 2.34 4.85 70.368 1129 WHITE MOUNTAINS GRP 59 69 0.00 0.00 4.11 74.479 181 SWISS RE GRP 58 42 0.00 0.00 4.06 78.5310 212 ZURICH INS GRP 53 52 8.01 8.00 3.72 82.25

**STATE TOTAL** 1,428 1,436 2.33 2.31 100.00 100.00. .

Maryland 1 12 AMERICAN INTL GRP 1,876 1,898 0.00 0.00 28.60 28.602 3548 TRAVELERS GRP 1,108 1,076 -0.26 -0.87 16.89 45.493 626 ACE LTD GRP 716 419 0.21 0.23 10.92 56.414 176 STATE FARM GRP 461 462 0.00 0.00 7.03 63.445 361 MUNICH RE GRP 402 273 -26.47 -27.52 6.13 69.576 200 UNITED SERV AUTOMOBILE ASSN GRP 328 325 0.00 0.00 5.01 74.587 111 LIBERTY MUT GRP 277 301 -0.01 -0.28 4.23 78.808 761 ALLIANZ INS GRP 213 188 3.36 3.60 3.25 82.059 212 ZURICH INS GRP 185 182 8.11 8.11 2.82 84.8710 1285 XL AMER GRP 145 133 -1.11 -1.17 2.21 87.08

**STATE TOTAL** 6,559 6,045 -1.73 -1.93 100.00 100.00. .

Massachusetts 1 12 AMERICAN INTL GRP 2,786 2,610 0.00 0.00 18.32 18.322 3548 TRAVELERS GRP 1,845 1,862 -0.11 -0.55 12.13 30.453 38 CHUBB & SON INC GRP 1,463 1,479 0.00 0.00 9.62 40.084 111 LIBERTY MUT GRP 1,223 1,434 -0.02 -0.05 8.04 48.125 212 ZURICH INS GRP 989 1,082 1.49 1.73 6.50 54.626 3416 AXIS CAPITAL GRP 868 921 1.37 1.39 5.71 60.337 28 AMICA MUT GRP 860 831 0.00 0.00 5.65 65.988 761 ALLIANZ INS GRP 712 704 1.55 1.99 4.68 70.67




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 586 ARBELLA INS GRP 618 574 0.00 0.00 4.06 74.7310 88 THE HANOVER INS GRP 452 451 0.15 0.18 2.97 77.70

**STATE TOTAL** 15,207 15,166 0.40 0.40 100.00 100.00. .

Michigan 1 12 AMERICAN INTL GRP 2,089 2,103 0.00 0.00 33.34 33.342 3548 TRAVELERS GRP 1,254 1,295 -0.24 -0.99 20.02 53.363 761 ALLIANZ INS GRP 582 529 1.28 1.41 9.29 62.654 111 LIBERTY MUT GRP 345 415 -0.04 -0.07 5.51 68.165 280 AUTO OWNERS GRP 260 249 -0.04 -0.04 4.15 72.316 785 MARKEL CORP GRP 182 120 9.18 9.56 2.90 75.217 626 ACE LTD GRP 161 137 0.50 0.50 2.57 77.788 176 STATE FARM GRP 158 201 -6.72 -6.72 2.52 80.309 212 ZURICH INS GRP 139 142 8.92 8.89 2.21 82.5110 1285 XL AMER GRP 126 125 -1.26 -1.33 2.01 84.53

**STATE TOTAL** 6,265 6,167 -0.44 -0.59 100.00 100.00. .

Minnesota 1 3548 TRAVELERS GRP 1,242 1,207 -1.22 -1.96 29.27 29.272 12 AMERICAN INTL GRP 770 693 0.00 0.00 18.15 47.423 984 HCC INS HOLDINGS GRP 571 536 -2.00 -2.00 13.46 60.884 761 ALLIANZ INS GRP 466 458 1.00 1.11 10.98 71.865 111 LIBERTY MUT GRP 221 233 -0.01 -0.01 5.22 77.076 1285 XL AMER GRP 155 138 -2.49 -2.62 3.65 80.737 212 ZURICH INS GRP 128 128 15.10 18.87 3.01 83.748 626 ACE LTD GRP 123 89 1.13 1.13 2.91 86.659 181 SWISS RE GRP 76 76 0.00 0.00 1.80 88.4510 3416 AXIS CAPITAL GRP 49 58 -41.02 -41.92 1.15 89.60

**STATE TOTAL** 4,242 4,117 -0.86 -1.00 100.00 100.00. .

Mississippi 1 176 STATE FARM GRP 4,399 4,436 -0.00 -0.00 24.64 24.642 140 NATIONWIDE CORP GRP 1,433 1,449 -5.51 -5.34 8.03 32.673 3548 TRAVELERS GRP 1,293 1,282 -3.95 -5.01 7.24 39.914 12 AMERICAN INTL GRP 1,259 1,096 0.00 0.00 7.05 46.975 483 SOUTHERN FARM BUREAU CAS GRP 1,184 984 0.00 0.00 6.63 53.606 111 LIBERTY MUT GRP 1,009 962 -0.20 -0.35 5.65 59.257 785 MARKEL CORP GRP 902 579 2.09 2.18 5.05 64.318 241 METROPOLITAN GRP 710 704 -17.97 -18.68 3.98 68.289 212 ZURICH INS GRP 676 729 -0.25 -0.25 3.79 72.0710 123 SHELTER INS GRP 541 544 0.00 0.00 3.03 75.10

**STATE TOTAL** 17,851 17,232 -1.45 -1.54 100.00 100.00. .

Missouri 1 176 STATE FARM GRP 22,124 21,722 0.01 0.06 24.99 24.992 473 AMERICAN FAMILY INS GRP 8,551 8,521 0.04 0.03 9.66 34.643 3548 TRAVELERS GRP 7,791 7,438 -0.05 -0.05 8.80 43.444 111 LIBERTY MUT GRP 7,720 7,696 -0.18 -0.33 8.72 52.165 123 SHELTER INS GRP 5,457 5,490 0.09 0.09 6.16 58.336 212 ZURICH INS GRP 4,716 4,746 0.60 0.63 5.33 63.657 761 ALLIANZ INS GRP 3,846 3,767 1.75 2.47 4.34 68.008 140 NATIONWIDE CORP GRP 3,555 3,394 -0.05 -0.05 4.01 72.019 626 ACE LTD GRP 2,402 2,282 0.19 0.28 2.71 74.7210 38 CHUBB & SON INC GRP 2,287 2,357 0.00 0.00 2.58 77.31

**STATE TOTAL** 88,542 87,657 -0.34 -0.30 100.00 100.00. .

Montana 1 176 STATE FARM GRP 877 862 0.00 0.00 25.34 25.342 38 CHUBB & SON INC GRP 463 448 0.00 0.00 13.39 38.743 212 ZURICH INS GRP 383 407 0.12 0.10 11.07 49.804 200 UNITED SERV AUTOMOBILE ASSN GRP 322 303 0.01 0.01 9.31 59.115 111 LIBERTY MUT GRP 307 304 -0.16 -0.28 8.87 67.986 3548 TRAVELERS GRP 306 287 -2.18 -2.76 8.85 76.837 12 AMERICAN INTL GRP 186 131 0.00 0.00 5.37 82.208 91 HARTFORD FIRE & CAS GRP 105 110 0.00 0.02 3.02 85.229 761 ALLIANZ INS GRP 83 86 1.75 1.94 2.41 87.6310 23108 LUMBERMENS UNDERWRITING ALLIANCE 81 58 0.00 0.00 2.34 89.97

**STATE TOTAL** 3,460 3,405 -0.64 -0.69 100.00 100.00. .

Nebraska 1 3548 TRAVELERS GRP 643 633 -0.80 -1.43 26.96 26.96




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 12 AMERICAN INTL GRP 578 569 0.00 0.00 24.25 51.213 176 STATE FARM GRP 289 288 0.00 0.00 12.10 63.314 761 ALLIANZ INS GRP 141 155 1.69 1.82 5.90 69.215 111 LIBERTY MUT GRP 111 133 -0.01 -0.02 4.64 73.856 212 ZURICH INS GRP 83 88 1.50 1.31 3.47 77.327 140 NATIONWIDE CORP GRP 71 69 -0.03 -0.03 2.98 80.308 200 UNITED SERV AUTOMOBILE ASSN GRP 54 55 -0.04 -0.04 2.27 82.579 13889 FARMERS MUT INS CO OF NE 44 44 0.00 0.00 1.84 84.4010 1285 XL AMER GRP 40 36 0.10 0.10 1.67 86.07

**STATE TOTAL** 2,385 2,416 -0.62 -0.82 100.00 100.00. .

Nevada 1 176 STATE FARM GRP 3,353 3,482 0.41 0.49 18.94 18.942 212 ZURICH INS GRP 3,225 2,963 -3.51 -3.02 18.21 37.153 3548 TRAVELERS GRP 1,827 1,815 -0.40 -0.68 10.32 47.474 200 UNITED SERV AUTOMOBILE ASSN GRP 1,521 1,547 0.05 0.05 8.59 56.065 12 AMERICAN INTL GRP 1,098 1,300 0.00 0.00 6.20 62.266 1278 CALIFORNIA STATE AUTO GRP 914 897 3.63 5.73 5.16 67.427 111 LIBERTY MUT GRP 725 753 0.08 -0.03 4.09 71.518 91 HARTFORD FIRE & CAS GRP 539 580 0.00 0.82 3.05 74.569 38 CHUBB & SON INC GRP 454 452 0.00 0.00 2.57 77.1210 473 AMERICAN FAMILY INS GRP 426 439 0.00 0.00 2.41 79.53

**STATE TOTAL** 17,708 18,478 -0.62 -0.47 100.00 100.00. .

New Hampshire 1 111 LIBERTY MUT GRP 446 466 -0.00 -0.02 20.13 20.132 176 STATE FARM GRP 221 223 1.08 1.08 9.96 30.093 12 AMERICAN INTL GRP 194 211 0.00 0.00 8.74 38.834 212 ZURICH INS GRP 174 160 2.04 1.99 7.86 46.685 200 UNITED SERV AUTOMOBILE ASSN GRP 141 140 -0.00 -0.00 6.35 53.036 38 CHUBB & SON INC GRP 128 125 0.00 0.00 5.76 58.797 3548 TRAVELERS GRP 128 118 0.27 -0.04 5.76 64.558 28 AMICA MUT GRP 115 117 0.00 0.00 5.17 69.729 181 SWISS RE GRP 113 92 0.00 0.00 5.12 74.8410 1285 XL AMER GRP 88 73 -0.36 -0.38 3.95 78.79

**STATE TOTAL** 2,217 2,191 -0.09 -0.10 100.00 100.00. .

New Jersey 1 12 AMERICAN INTL GRP 3,603 3,415 0.00 0.00 29.66 29.662 3548 TRAVELERS GRP 2,354 2,336 0.02 -0.74 19.38 49.043 212 ZURICH INS GRP 876 841 5.96 5.96 7.22 56.264 111 LIBERTY MUT GRP 830 813 -0.07 -0.14 6.84 63.095 626 ACE LTD GRP 770 756 -0.52 -0.64 6.34 69.436 761 ALLIANZ INS GRP 616 578 1.96 2.11 5.07 74.507 1285 XL AMER GRP 410 366 -0.69 -0.72 3.37 77.878 176 STATE FARM GRP 361 357 0.00 0.00 2.97 80.859 38 CHUBB & SON INC GRP 333 330 0.00 0.00 2.74 83.5910 200 UNITED SERV AUTOMOBILE ASSN GRP 284 280 0.00 0.00 2.33 85.92

**STATE TOTAL** 12,147 11,612 -0.05 -0.23 100.00 100.00. .

New Mexico 1 12 AMERICAN INTL GRP 457 382 0.00 0.00 24.61 24.612 3548 TRAVELERS GRP 248 226 -0.48 -1.02 13.36 37.973 176 STATE FARM GRP 231 233 0.00 0.00 12.43 50.394 212 ZURICH INS GRP 216 192 1.90 1.90 11.64 62.035 200 UNITED SERV AUTOMOBILE ASSN GRP 183 180 -0.00 -0.00 9.85 71.886 761 ALLIANZ INS GRP 114 117 1.76 1.95 6.12 78.007 38 CHUBB & SON INC GRP 72 70 0.00 0.00 3.88 81.898 1285 XL AMER GRP 54 53 1.57 1.65 2.88 84.779 23108 LUMBERMENS UNDERWRITING ALLIANCE 38 14 0.00 0.00 2.03 86.8010 91 HARTFORD FIRE & CAS GRP 37 36 0.00 0.00 2.02 88.82

**STATE TOTAL** 1,857 1,755 -0.87 -0.98 100.00 100.00. .

New York 1 12 AMERICAN INTL GRP 9,101 10,335 0.01 0.01 30.51 30.512 3548 TRAVELERS GRP 6,173 6,112 -0.41 -1.08 20.70 51.213 212 ZURICH INS GRP 1,937 1,676 20.57 20.57 6.49 57.714 761 ALLIANZ INS GRP 1,381 1,422 1.66 1.86 4.63 62.345 111 LIBERTY MUT GRP 1,361 1,435 -0.01 -0.02 4.56 66.906 181 SWISS RE GRP 961 891 0.00 0.00 3.22 70.12




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 626 ACE LTD GRP 912 616 0.51 0.31 3.06 73.188 176 STATE FARM GRP 864 857 1.93 1.93 2.90 76.089 38 CHUBB & SON INC GRP 822 839 0.00 0.00 2.76 78.8410 253 HARLEYSVILLE GRP 721 683 3.08 3.21 2.42 81.25

**STATE TOTAL** 29,825 29,924 0.59 0.38 100.00 100.00. .

North Carolina 1 12 AMERICAN INTL GRP 1,703 1,739 0.00 0.00 18.81 18.812 3548 TRAVELERS GRP 1,489 1,483 -0.80 -1.44 16.44 35.253 761 ALLIANZ INS GRP 900 878 2.62 2.81 9.94 45.204 111 LIBERTY MUT GRP 584 648 -0.03 -0.05 6.45 51.655 212 ZURICH INS GRP 521 535 6.88 6.87 5.75 57.406 626 ACE LTD GRP 508 461 0.01 0.01 5.61 63.017 176 STATE FARM GRP 487 478 0.00 0.00 5.37 68.398 3416 AXIS CAPITAL GRP 465 477 -23.19 -23.69 5.14 73.529 200 UNITED SERV AUTOMOBILE ASSN GRP 383 376 -4.93 -4.90 4.23 77.7610 280 AUTO OWNERS GRP 292 278 -0.04 -0.04 3.23 80.98

**STATE TOTAL** 9,053 9,091 -0.73 -0.87 100.00 100.00. .

North Dakota 1 12 AMERICAN INTL GRP 131 78 0.00 0.00 39.99 39.992 3548 TRAVELERS GRP 67 70 -0.78 -1.52 20.34 60.323 761 ALLIANZ INS GRP 35 33 0.91 1.01 10.65 70.974 1285 XL AMER GRP 15 10 4.08 4.29 4.53 75.515 1279 ARCH INS GRP 14 12 0.00 0.00 4.30 79.806 212 ZURICH INS GRP 14 13 3.66 3.66 4.23 84.037 140 NATIONWIDE CORP GRP 10 1 0.00 0.00 3.04 87.078 4509 IRONSHORE GRP 7 0 16.67 16.67 2.05 89.129 4636 MAX CAPITAL GRP 6 19 21.72 18.79 1.88 91.0010 111 LIBERTY MUT GRP 6 6 0.00 0.00 1.86 92.86

**STATE TOTAL** 329 269 1.27 0.97 100.00 100.00. .

Ohio 1 176 STATE FARM GRP 4,930 5,062 0.12 0.12 18.49 18.492 3548 TRAVELERS GRP 2,493 2,402 -0.14 -0.67 9.35 27.843 12 AMERICAN INTL GRP 2,439 2,179 0.00 0.00 9.15 36.994 111 LIBERTY MUT GRP 2,238 2,403 -0.02 -0.05 8.39 45.385 228 WESTFIELD GRP 1,857 1,820 0.01 -0.06 6.96 52.346 140 NATIONWIDE CORP GRP 1,621 1,634 -4.96 -4.98 6.08 58.427 267 GRANGE MUT CAS GRP 1,514 1,524 -5.78 -7.45 5.68 64.108 761 ALLIANZ INS GRP 1,198 1,154 6.31 9.56 4.49 68.599 175 STATE AUTO MUT GRP 1,043 1,028 0.00 0.00 3.91 72.5010 280 AUTO OWNERS GRP 1,018 958 -0.03 -0.04 3.82 76.32

**STATE TOTAL** 26,665 26,355 1.41 1.41 100.00 100.00. .

Oklahoma 1 3548 TRAVELERS GRP 1,852 1,727 -0.24 -0.77 38.23 38.232 12 AMERICAN INTL GRP 899 646 0.00 0.00 18.55 56.783 176 STATE FARM GRP 532 635 1.36 1.85 10.98 67.754 111 LIBERTY MUT GRP 286 297 -0.02 -0.04 5.89 73.655 212 ZURICH INS GRP 226 221 3.26 5.22 4.67 78.326 761 ALLIANZ INS GRP 186 198 1.03 1.13 3.84 82.157 200 UNITED SERV AUTOMOBILE ASSN GRP 148 138 0.00 0.00 3.05 85.208 984 HCC INS HOLDINGS GRP 81 74 -829.54 -829.54 1.68 86.899 38 CHUBB & SON INC GRP 76 77 0.00 0.00 1.57 88.4510 181 SWISS RE GRP 70 58 0.00 0.00 1.44 89.89

**STATE TOTAL** 4,845 4,510 -13.72 -13.79 100.00 100.00. .

Oregon 1 176 STATE FARM GRP 17,705 17,790 0.04 0.04 32.92 32.922 111 LIBERTY MUT GRP 6,894 6,994 -0.13 -0.21 12.82 45.743 212 ZURICH INS GRP 6,769 6,879 0.12 0.16 12.59 58.334 200 UNITED SERV AUTOMOBILE ASSN GRP 1,843 1,862 -0.03 -0.03 3.43 61.765 473 AMERICAN FAMILY INS GRP 1,489 1,465 0.00 0.00 2.77 64.526 3548 TRAVELERS GRP 1,444 1,357 0.91 0.86 2.68 67.217 3786 ENDURANCE GRP 1,430 1,360 -0.50 -0.52 2.66 69.878 3829 GEOVERA HOLDINGS INC GRP 1,372 1,354 0.00 0.00 2.55 72.429 91 HARTFORD FIRE & CAS GRP 1,334 1,343 0.00 0.00 2.48 74.9010 12 AMERICAN INTL GRP 1,333 1,198 0.00 0.00 2.48 77.38

**STATE TOTAL** 53,777 54,071 -0.22 -0.24 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Pennsylvania 1 12 AMERICAN INTL GRP 3,141 2,718 0.00 0.00 23.61 23.61

2 3548 TRAVELERS GRP 2,350 2,267 -0.12 -0.63 17.66 41.283 111 LIBERTY MUT GRP 1,203 1,327 -0.02 -0.05 9.05 50.324 176 STATE FARM GRP 1,148 1,154 -0.42 -0.42 8.63 58.955 761 ALLIANZ INS GRP 1,117 1,051 1.27 1.39 8.40 67.356 212 ZURICH INS GRP 673 674 6.23 6.97 5.06 72.417 626 ACE LTD GRP 578 516 0.32 -1.38 4.35 76.768 140 NATIONWIDE CORP GRP 327 328 -0.07 -0.25 2.46 79.219 200 UNITED SERV AUTOMOBILE ASSN GRP 296 289 -0.01 -0.01 2.22 81.4410 1285 XL AMER GRP 265 270 -1.85 -1.95 1.99 83.43

**STATE TOTAL** 13,303 12,657 -0.15 -0.07 100.00 100.00. .

Rhode Island 1 12 AMERICAN INTL GRP 309 274 0.00 0.00 13.93 13.932 28 AMICA MUT GRP 294 293 0.00 0.00 13.26 27.193 626 ACE LTD GRP 285 277 8.70 8.70 12.85 40.054 111 LIBERTY MUT GRP 252 286 -0.00 -0.01 11.34 51.395 3548 TRAVELERS GRP 145 144 -0.49 -1.02 6.52 57.916 4684 MAIDEN HOLDINGS GRP 133 59 0.00 0.00 5.97 63.887 212 ZURICH INS GRP 125 125 2.05 2.06 5.65 69.538 38 CHUBB & SON INC GRP 86 95 0.00 0.00 3.89 73.429 761 ALLIANZ INS GRP 80 81 5.20 5.74 3.61 77.0310 140 NATIONWIDE CORP GRP 68 66 0.03 -0.02 3.07 80.10

**STATE TOTAL** 2,218 2,172 0.29 0.28 100.00 100.00. .

South Carolina 1 176 STATE FARM GRP 8,016 7,967 0.00 0.04 26.27 26.272 12 AMERICAN INTL GRP 3,596 3,440 0.00 0.00 11.78 38.053 3548 TRAVELERS GRP 3,163 3,293 -0.89 -0.80 10.36 48.424 140 NATIONWIDE CORP GRP 2,973 3,001 -0.16 -0.19 9.74 58.165 200 UNITED SERV AUTOMOBILE ASSN GRP 2,715 2,728 -0.03 -0.02 8.90 67.056 111 LIBERTY MUT GRP 1,542 1,572 -0.31 -0.53 5.05 72.117 761 ALLIANZ INS GRP 1,143 1,215 0.90 1.73 3.74 75.858 4636 MAX CAPITAL GRP 1,123 1,176 11.48 8.88 3.68 79.539 212 ZURICH INS GRP 971 987 1.47 1.48 3.18 82.7110 280 AUTO OWNERS GRP 876 852 -0.04 -0.04 2.87 85.58

**STATE TOTAL** 30,515 30,696 -0.10 -0.16 100.00 100.00. .

South Dakota 1 12 AMERICAN INTL GRP 134 95 0.00 0.00 30.38 30.382 3548 TRAVELERS GRP 131 125 -0.47 -1.14 29.78 60.153 761 ALLIANZ INS GRP 48 47 0.89 0.99 10.90 71.064 176 STATE FARM GRP 18 18 0.00 0.00 4.11 75.175 212 ZURICH INS GRP 18 17 7.48 7.47 4.10 79.276 111 LIBERTY MUT GRP 16 18 -0.01 -0.01 3.73 82.997 1285 XL AMER GRP 13 13 -4.16 -4.37 2.93 85.928 200 UNITED SERV AUTOMOBILE ASSN GRP 8 8 -0.09 -0.09 1.74 87.659 3416 AXIS CAPITAL GRP 7 5 -75.46 -77.12 1.59 89.2410 181 SWISS RE GRP 5 5 0.00 0.00 1.24 90.48

**STATE TOTAL** 440 394 -0.25 -0.54 100.00 100.00. .

Tennessee 1 176 STATE FARM GRP 20,030 19,968 0.00 0.01 33.60 33.602 111 LIBERTY MUT GRP 5,204 5,073 -0.10 -0.19 8.73 42.333 3548 TRAVELERS GRP 3,834 3,761 -0.59 -0.88 6.43 48.764 140 NATIONWIDE CORP GRP 3,745 3,735 -0.24 -0.30 6.28 55.045 200 UNITED SERV AUTOMOBILE ASSN GRP 3,069 2,956 0.02 0.02 5.15 60.196 3416 AXIS CAPITAL GRP 2,501 1,972 -6.37 -6.51 4.19 64.397 408 AMERICAN NATL FIN GRP 2,076 1,999 0.00 0.00 3.48 67.878 241 METROPOLITAN GRP 2,015 2,053 -0.74 -0.84 3.38 71.259 38 CHUBB & SON INC GRP 1,754 1,806 0.00 0.00 2.94 74.1910 626 ACE LTD GRP 1,512 1,375 -0.55 -0.60 2.54 76.73

**STATE TOTAL** 59,612 58,771 -0.48 -0.54 100.00 100.00. .

Texas 1 12 AMERICAN INTL GRP 12,674 11,112 3.19 3.19 41.88 41.882 3548 TRAVELERS GRP 5,041 5,348 -0.16 -0.86 16.66 58.543 761 ALLIANZ INS GRP 1,991 2,402 1.10 1.23 6.58 65.124 626 ACE LTD GRP 1,803 2,001 45.84 45.88 5.96 71.08




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 111 LIBERTY MUT GRP 1,597 1,802 -0.05 -0.08 5.28 76.356 4636 MAX CAPITAL GRP 1,127 744 19.80 18.12 3.72 80.087 212 ZURICH INS GRP 812 747 8.11 8.10 2.68 82.768 3416 AXIS CAPITAL GRP 774 664 -18.40 -18.80 2.56 85.329 1279 ARCH INS GRP 743 497 0.00 0.00 2.45 87.7710 181 SWISS RE GRP 531 444 -0.00 -0.00 1.75 89.53

**STATE TOTAL** 30,264 28,384 4.70 4.52 100.00 100.00. .

Utah 1 176 STATE FARM GRP 7,438 7,322 0.04 0.06 25.54 25.542 212 ZURICH INS GRP 6,286 6,263 0.14 0.20 21.59 47.133 200 UNITED SERV AUTOMOBILE ASSN GRP 2,399 2,250 0.06 0.06 8.24 55.374 140 NATIONWIDE CORP GRP 1,278 1,247 -0.04 -0.06 4.39 59.755 111 LIBERTY MUT GRP 1,033 1,020 -0.03 -0.06 3.55 63.306 3548 TRAVELERS GRP 905 871 0.62 0.52 3.11 66.417 241 METROPOLITAN GRP 902 890 1.06 1.04 3.10 69.518 408 AMERICAN NATL FIN GRP 852 822 0.00 0.00 2.92 72.439 12 AMERICAN INTL GRP 840 650 0.00 0.00 2.88 75.3110 473 AMERICAN FAMILY INS GRP 760 726 0.00 0.00 2.61 77.92

**STATE TOTAL** 29,121 28,299 -0.17 -0.16 100.00 100.00. .

Vermont 1 12 AMERICAN INTL GRP 139 114 0.00 0.00 16.13 16.132 3548 TRAVELERS GRP 117 117 -0.58 -1.22 13.62 29.753 111 LIBERTY MUT GRP 98 94 -0.04 -0.05 11.40 41.144 176 STATE FARM GRP 95 99 0.00 0.00 11.02 52.165 234 VERMONT MUT GRP 67 66 0.00 0.00 7.75 59.916 3416 AXIS CAPITAL GRP 58 53 44.86 45.82 6.71 66.617 761 ALLIANZ INS GRP 54 56 1.47 1.62 6.31 72.928 200 UNITED SERV AUTOMOBILE ASSN GRP 43 42 -0.00 -0.00 5.04 77.979 38 CHUBB & SON INC GRP 39 36 0.00 0.00 4.55 82.5210 140 NATIONWIDE CORP GRP 20 20 -0.17 -0.25 2.33 84.85

**STATE TOTAL** 860 834 3.52 3.50 100.00 100.00. .

Virginia 1 12 AMERICAN INTL GRP 2,458 2,399 0.00 0.00 24.55 24.552 3548 TRAVELERS GRP 2,172 2,132 -0.25 -0.88 21.70 46.253 200 UNITED SERV AUTOMOBILE ASSN GRP 771 756 -0.00 -0.00 7.70 53.944 176 STATE FARM GRP 721 823 0.00 0.00 7.21 61.155 761 ALLIANZ INS GRP 586 491 1.45 1.59 5.85 67.006 111 LIBERTY MUT GRP 425 456 -0.13 -0.22 4.25 71.257 140 NATIONWIDE CORP GRP 384 406 0.16 -0.15 3.84 75.098 3416 AXIS CAPITAL GRP 376 407 -17.75 -18.13 3.76 78.859 212 ZURICH INS GRP 337 305 4.52 4.53 3.37 82.2110 626 ACE LTD GRP 199 268 -0.24 -0.24 1.99 84.20

**STATE TOTAL** 10,013 9,891 -0.49 -0.67 100.00 100.00. .

Washington 1 176 STATE FARM GRP 41,151 41,442 0.10 0.10 30.49 30.492 3829 GEOVERA HOLDINGS INC GRP 14,416 13,526 0.00 0.00 10.68 41.173 111 LIBERTY MUT GRP 10,392 10,294 -0.07 -0.16 7.70 48.874 212 ZURICH INS GRP 7,953 7,657 0.23 0.34 5.89 54.765 200 UNITED SERV AUTOMOBILE ASSN GRP 7,337 7,203 -0.05 -0.04 5.44 60.206 3786 ENDURANCE GRP 6,845 6,707 -0.11 -0.11 5.07 65.277 626 ACE LTD GRP 4,624 5,217 0.01 0.04 3.43 68.698 91 HARTFORD FIRE & CAS GRP 4,203 4,129 0.00 0.00 3.11 71.819 241 METROPOLITAN GRP 4,020 3,626 0.77 0.75 2.98 74.7910 761 ALLIANZ INS GRP 3,860 3,623 1.74 2.37 2.86 77.65

**STATE TOTAL** 134,970 132,948 0.17 0.20 100.00 100.00. .

West Virginia 1 12 AMERICAN INTL GRP 412 267 0.00 0.00 30.50 30.502 4684 MAIDEN HOLDINGS GRP 280 112 0.00 0.00 20.68 51.183 3548 TRAVELERS GRP 200 190 -0.89 -1.64 14.79 65.974 626 ACE LTD GRP 137 217 0.00 0.00 10.12 76.085 176 STATE FARM GRP 76 76 0.00 0.00 5.61 81.706 175 STATE AUTO MUT GRP 51 50 0.00 0.00 3.76 85.457 761 ALLIANZ INS GRP 48 53 1.01 1.13 3.56 89.018 111 LIBERTY MUT GRP 40 46 -0.23 -0.32 2.94 91.959 200 UNITED SERV AUTOMOBILE ASSN GRP 37 37 -0.01 -0.01 2.72 94.67




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 140 NATIONWIDE CORP GRP 37 38 0.27 -0.02 2.71 97.38**STATE TOTAL** 1,352 1,261 -1.36 -1.76 100.00 100.00

. .Wisconsin 1 3548 TRAVELERS GRP 1,125 1,108 -0.11 -0.70 29.65 29.65

2 12 AMERICAN INTL GRP 810 622 0.00 0.00 21.35 51.013 111 LIBERTY MUT GRP 444 472 -0.02 -0.04 11.70 62.704 761 ALLIANZ INS GRP 405 372 1.18 1.29 10.66 73.365 984 HCC INS HOLDINGS GRP 158 90 -4.00 -4.00 4.17 77.536 176 STATE FARM GRP 152 181 -0.35 0.50 4.01 81.547 212 ZURICH INS GRP 86 99 13.93 13.93 2.25 83.808 473 AMERICAN FAMILY INS GRP 70 76 0.00 0.00 1.85 85.659 1279 ARCH INS GRP 65 33 0.00 0.00 1.70 87.3610 1285 XL AMER GRP 43 47 -5.24 -5.51 1.14 88.49

**STATE TOTAL** 3,796 3,590 -0.15 -0.30 100.00 100.00. .

Wyoming 1 176 STATE FARM GRP 710 688 0.00 0.00 24.46 24.462 212 ZURICH INS GRP 387 373 2.05 1.94 13.33 37.793 761 ALLIANZ INS GRP 383 343 1.67 2.42 13.18 50.974 12 AMERICAN INTL GRP 315 182 0.00 0.00 10.86 61.835 111 LIBERTY MUT GRP 262 237 -0.09 -0.19 9.03 70.856 38 CHUBB & SON INC GRP 201 190 0.00 0.00 6.94 77.797 4684 MAIDEN HOLDINGS GRP 149 38 0.00 0.00 5.14 82.938 200 UNITED SERV AUTOMOBILE ASSN GRP 122 124 -0.02 -0.02 4.21 87.149 626 ACE LTD GRP 72 69 -3.79 -5.26 2.49 89.6310 3548 TRAVELERS GRP 49 46 -5.01 -7.00 1.67 91.30

**STATE TOTAL** 2,902 2,501 0.48 0.47 100.00 100.00. .

American Samoa **STATE TOTAL** 1 0 -123.70 7283.70 100.00 100.00. .

Guam 1 18380 PACIFIC IND INS CO 1,030 1,028 13.55 16.26 28.25 28.252 12633 CENTURY INS CO GU LTD 858 85 60.48 69.39 23.55 51.803 13597 CHUNG KUO INS CO LTD 599 689 12.59 13.96 16.43 68.234 4672 DONGBU INS GRP 541 579 24.33 29.51 14.84 83.065 10972 FIRST NET INS CO 515 521 8.38 11.29 14.12 97.186 181 SWISS RE GRP 68 65 0.00 0.00 1.86 99.047 984 HCC INS HOLDINGS GRP 28 7 -196.64 -196.64 0.77 99.81

**STATE TOTAL** 3,645 2,983 15.03 18.05 100.00 100.00. .

Puerto Rico 1 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 19,547 19,161 -0.01 -0.00 20.55 20.552 411 MAPFRE INS GRP 17,275 22,283 0.06 0.07 18.16 38.713 12 AMERICAN INTL GRP 15,122 15,650 0.00 0.00 15.90 54.604 10308 ANTILLES INS CO 13,255 11,556 -0.70 -0.67 13.93 68.535 3593 USIC GRP 9,797 10,622 0.00 0.00 10.30 78.836 71 UNIVERSAL INS CO GRP 9,120 7,723 0.00 0.00 9.59 88.427 343 NATIONAL INS CO GRP 5,288 6,733 0.01 0.05 5.56 93.988 26778 INTEGRAND ASSUR CO 2,771 2,661 0.00 0.00 2.91 96.899 626 ACE LTD GRP 2,411 2,197 0.00 0.00 2.53 99.4210 10140 OPTIMA INS CO 187 167 0.00 0.00 0.20 99.62

**STATE TOTAL** 95,133 112,500 -0.04 -0.03 100.00 100.00. .

U.S. Virgin Islands 1 17779 GUARDIAN INS CO INC 1,664 1,498 0.00 0.00 64.24 64.242 411 MAPFRE INS GRP 338 340 0.00 0.00 13.05 77.293 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 249 246 0.01 0.39 9.61 86.904 26778 INTEGRAND ASSUR CO 117 119 0.00 0.00 4.54 91.445 626 ACE LTD GRP 72 72 0.00 0.00 2.77 94.216 161 TOPA EQUITIES LTD GRP 59 57 82.85 82.85 2.26 96.467 181 SWISS RE GRP 50 49 0.00 0.00 1.95 98.418 1279 ARCH INS GRP 21 25 0.00 0.00 0.82 99.24

**STATE TOTAL** 2,591 2,425 1.90 1.94 100.00 100.00. .

N. Mariana Islands 1 4672 DONGBU INS GRP 35 29 -0.13 -0.17 46.75 46.752 18380 PACIFIC IND INS CO 31 33 0.00 0.00 41.16 87.91

**STATE TOTAL** 75 72 -0.05 0.54 100.00 100.00. .

Canada 1 181 SWISS RE GRP 3,036 2,694 -6.34 -6.34 37.25 37.25




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 3548 TRAVELERS GRP 2,921 3,284 0.86 2.75 35.83 73.083 1279 ARCH INS GRP 1,025 925 0.00 0.00 12.58 85.664 176 STATE FARM GRP 746 752 0.00 0.00 9.16 94.815 1285 XL AMER GRP 221 202 -1.89 -1.99 2.71 97.526 3416 AXIS CAPITAL GRP 119 23 0.07 0.07 1.46 98.987 761 ALLIANZ INS GRP 42 89 211.51 212.08 0.52 99.508 984 HCC INS HOLDINGS GRP 29 18 -1612.29 -1609.34 0.35 99.85

**STATE TOTAL** 8,151 7,994 -3.03 -2.25 100.00 100.00. .

Aggregate Other Alien 1 1285 XL AMER GRP 1,300 1,404 99.70 72.57 31.18 31.182 761 ALLIANZ INS GRP 982 1,335 5.73 6.24 23.55 54.733 12 AMERICAN INTL GRP 941 703 0.00 0.00 22.57 77.304 212 ZURICH INS GRP 326 258 1.18 1.18 7.82 85.125 181 SWISS RE GRP 234 261 2492.09 2492.09 5.60 90.726 3548 TRAVELERS GRP 208 123 0.68 0.79 4.99 95.717 1279 ARCH INS GRP 73 114 0.00 0.00 1.75 97.468 626 ACE LTD GRP 33 30 111.16 108.97 0.80 98.269 3416 AXIS CAPITAL GRP 32 28 -163.45 -166.98 0.77 99.0310 10972 FIRST NET INS CO 19 21 0.00 0.00 0.44 99.48

**STATE TOTAL** 4,170 4,290 184.44 175.70 100.00 100.00. .




16— Workers’ Compensation



States, U.S. Territories, Canada, and Aggregate Other Alien16-Workers'Compensation



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 111 LIBERTY MUT GRP 4,468,727 4,499,151 72.21 79.33 9.73 9.732 12 AMERICAN INTL GRP 3,853,088 4,204,754 82.88 93.96 8.39 18.133 3548 TRAVELERS GRP 2,739,326 2,733,408 56.98 66.48 5.97 24.094 91 HARTFORD FIRE & CAS GRP 2,498,225 2,487,738 51.83 55.38 5.44 29.535 212 ZURICH INS GRP 2,473,549 2,562,436 75.17 85.91 5.39 34.926 OHIO BUREAU OF WORKERS' COMPENSATION 2,469,550 2,469,550 67.51 83.96 5.38 40.307 WASHINGTON STATE FUND 1,360,533 1,360,533 172.64 186.31 2.96 43.268 36102 STATE INS FUND 1,309,601 1,311,660 92.81 95.47 2.85 46.119 35076 STATE COMPENSATION INS FUND 1,287,041 1,282,537 73.21 80.36 2.80 48.9210 626 ACE LTD GRP 1,068,738 1,064,412 67.04 76.74 2.33 51.2511 218 CNA INS GRP 951,095 876,906 79.60 88.54 2.07 53.3212 572 BCBS OF MI GRP 794,454 796,504 63.46 69.10 1.73 55.0513 38 CHUBB & SON INC GRP 725,230 748,877 46.63 46.21 1.58 56.6314 98 WR BERKLEY CORP GRP 642,257 651,364 54.68 58.60 1.40 58.0315 22945 TEXAS MUT INS CO 634,389 645,639 44.09 52.42 1.38 59.4116 336 ZENITH NATL INS GRP 465,199 475,997 44.59 50.21 1.01 60.4217 150 OLD REPUBLIC GRP 457,742 460,795 76.87 85.77 1.00 61.4218 767 PENNSYLVANIA MANUFACTURERS GRP 454,682 463,668 59.77 66.97 0.99 62.4119 2538 AMTRUST FINANCIAL SERV GRP 452,008 460,220 48.78 55.41 0.98 63.3920 708 NEW JERSEY MANUFACTURERS GRP 407,469 408,284 71.42 85.87 0.89 64.2821 3363 EMPLOYERS GRP 376,651 411,897 49.50 54.84 0.82 65.1022 31 BERKSHIRE HATHAWAY GRP 370,317 384,626 82.69 87.95 0.81 65.9123 41190 PINNACOL ASSUR 353,824 381,694 65.05 67.13 0.77 66.6824 244 CINCINNATI FIN GRP 337,522 342,200 102.42 109.63 0.74 67.4125 36196 SAIF CORP 312,908 341,705 88.57 93.13 0.68 68.0926 12372 BRICKSTREET MUT INS CO 310,622 336,775 65.67 71.78 0.68 68.7727 169 SENTRY INS GRP 310,538 318,119 69.68 76.02 0.68 69.4528 280 AUTO OWNERS GRP 309,699 315,257 88.82 97.54 0.67 70.1229 15563 SEABRIGHT INS CO 281,350 260,592 55.45 66.95 0.61 70.7330 242 SELECTIVE INS GRP 270,818 282,353 71.16 78.47 0.59 71.3231 27677 STATE WORKERS INS FUND 270,347 289,580 108.14 117.14 0.59 71.9132 84 AMERICAN FINANCIAL GRP 263,402 258,770 60.98 67.04 0.57 72.4933 36188 COMPSOURCE OK 263,390 261,898 85.02 89.42 0.57 73.0634 1120 EVEREST REINS HOLDINGS GRP 263,018 236,330 65.46 75.79 0.57 73.6335 176 STATE FARM GRP 259,634 273,768 51.09 60.80 0.57 74.2036 680 AMERISAFE GRP 251,496 265,708 54.05 59.41 0.55 74.7537 796 QBE INS GRP 248,877 261,423 78.13 82.94 0.54 75.2938 213 ERIE INS GRP 248,114 253,076 8.39 12.07 0.54 75.8339 4485 SCF GRP 242,574 275,629 101.37 105.59 0.53 76.3640 124 AMERISURE CO GRP 241,806 246,740 46.95 48.63 0.53 76.8841 WORKERS' SAFETY & COMP DIV OF WY 240,363 240,363 114.28 116.50 0.52 77.4142 661 BCBS OF SC GRP 233,958 221,559 58.82 64.50 0.51 77.9243 62 EMC INS CO GRP 227,842 225,379 60.36 64.86 0.50 78.4144 748 MEADOWBROOK INS GRP 224,944 180,536 55.49 62.85 0.49 78.9045 3489 DELEK GRP 224,303 159,817 56.23 62.35 0.49 79.3946 140 NATIONWIDE CORP GRP 222,018 239,992 57.10 61.54 0.48 79.8847 1279 ARCH INS GRP 211,836 206,489 53.22 55.22 0.46 80.3448 474 FCCI MUT INS GRP 209,971 212,789 60.87 68.29 0.46 80.7949 MT STATE COMPENSATION INSURANCE FUND 206,218 214,966 82.59 85.01 0.45 81.2450 828 GUARD INS CO GRP 192,295 188,761 56.54 60.95 0.42 81.6651 158 FAIRFAX FIN GRP 186,058 188,802 27.72 36.21 0.41 82.0752 WORKFORCE SAFETY & INSURANCE OF ND 185,753 177,412 82.68 84.54 0.40 82.4753 3703 TOWER GRP 183,209 180,237 47.81 51.00 0.40 82.8754 22350 LOUISIANA WORKERS COMP CORP 181,942 196,069 37.39 37.28 0.40 83.2755 14184 ACUITY A MUT INS CO 174,121 181,307 63.43 67.43 0.38 83.6556 1147 WORKERS COMP OF UTAH GRP 172,576 178,941 61.88 71.69 0.38 84.0257 1332 MAINE EMPLOYERS MUT INS GRP 169,893 176,923 66.93 70.45 0.37 84.3958 1243 WEST BEND MUT GRP 164,522 176,833 77.62 80.05 0.36 84.7559 457 ARGONAUT GRP 161,513 168,306 50.97 46.78 0.35 85.1060 922 AMERICAN ASSETS GRP 160,865 161,382 51.02 56.93 0.35 85.4561 11039 INJURED WORKERS INS FUND 159,515 174,159 100.12 108.66 0.35 85.8062 36129 IDAHO STATE INS FUND 154,030 160,188 76.80 82.47 0.34 86.1463 42269 MAJESTIC INS CO 153,465 153,312 87.92 97.86 0.33 86.4764 88 THE HANOVER INS GRP 140,186 144,567 62.68 66.32 0.31 86.7865 7 FEDERATED MUT GRP 128,096 136,303 63.62 70.26 0.28 87.05




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 4381 LIGHTYEAR DELOS GRP 125,389 131,001 62.98 76.89 0.27 87.3367 761 ALLIANZ INS GRP 124,511 118,025 74.23 83.25 0.27 87.6068 10320 KENTUCKY EMPLOYERS MUT INS 123,880 131,824 67.74 70.60 0.27 87.8769 201 UTICA GRP 120,110 115,098 79.84 87.13 0.26 88.1370 228 WESTFIELD GRP 116,890 120,873 80.47 86.97 0.25 88.3871 27626 FIRSTCOMP INS CO 110,817 102,898 63.04 68.75 0.24 88.6372 3158 EASTERN HOLDING CO GRP 110,354 106,240 34.38 37.55 0.24 88.8773 10191 MO EMPLOYERS MUT INS CO 110,135 112,085 49.69 53.99 0.24 89.1174 10385 FFVA MUT INS CO 107,164 107,320 68.58 76.48 0.23 89.3475 38733 ALASKA NATL INS CO 105,990 109,773 40.74 47.13 0.23 89.5776 253 HARLEYSVILLE GRP 102,517 108,733 80.18 86.76 0.22 89.7977 11398 GUARANTEE INS CO 102,252 98,905 52.45 71.99 0.22 90.0278 4279 SFM GRP 99,939 98,032 69.99 74.40 0.22 90.2379 21261 ELECTRIC INS CO 96,877 96,877 104.53 109.28 0.21 90.4580 SOUTH CAROLINA STATE ACCIDENT FUND 94,095 94,095 54.57 54.57 0.20 90.6581 1129 WHITE MOUNTAINS GRP 93,555 93,488 57.81 66.47 0.20 90.8582 2498 AIM MUT GRP 92,440 94,033 53.06 60.20 0.20 91.0683 175 STATE AUTO MUT GRP 91,912 97,003 75.91 85.74 0.20 91.2684 3490 BEACON MUT GRP 91,451 98,767 51.99 54.28 0.20 91.4585 1285 XL AMER GRP 87,339 87,477 34.18 38.09 0.19 91.6586 181 SWISS RE GRP 80,639 101,086 73.03 84.55 0.18 91.8287 40134 CASTLEPOINT NATL INS CO 80,400 86,495 65.05 74.81 0.18 92.0088 18767 CHURCH MUT INS CO 76,100 75,280 60.73 65.67 0.17 92.1689 12472 LUBA CAS INS CO 75,181 68,479 31.97 34.49 0.16 92.3390 271 PENNSYLVANIA NATL INS GRP 72,596 75,569 62.80 67.79 0.16 92.4891 15261 SOCIETY INS 72,268 71,708 50.58 55.03 0.16 92.6492 96 SECURA INS GRP 71,891 71,336 84.08 90.95 0.16 92.8093 1112 NEW MEXICO MUT GRP 68,934 70,991 72.81 75.94 0.15 92.9594 20613 SPARTA INS CO 68,726 52,174 67.16 74.38 0.15 93.1095 1309 FRANKENMUTH GRP 67,659 74,592 32.65 36.49 0.15 93.2496 4507 BUILDERS GRP 65,939 66,463 25.94 26.59 0.14 93.3997 3118 LACKAWANNA INS GRP 64,685 64,235 50.43 54.77 0.14 93.5398 2978 MITSUI SUMITOMO INS GRP 61,365 60,699 49.15 60.44 0.13 93.6699 3098 TOKIO MARINE HOLDINGS INC GRP 60,268 61,891 32.60 39.74 0.13 93.79100 501 ALLEGHANY GRP 56,765 57,906 138.95 148.74 0.12 93.92101 311 MAIN STREET AMER GRP 56,760 59,218 47.43 50.55 0.12 94.04102 291 MOTORISTS MUT GRP 56,653 55,340 57.15 60.83 0.12 94.16103 853 PUBLIC SERV GRP 56,610 54,809 105.89 112.76 0.12 94.29104 41394 BENCHMARK INS CO 55,172 48,740 63.11 74.10 0.12 94.41105 1302 BUILDERS INS GRP 54,559 62,047 63.95 69.30 0.12 94.53106 473 AMERICAN FAMILY INS GRP 53,077 56,154 71.04 76.29 0.12 94.64107 867 BALDWIN & LYONS GRP 52,191 52,191 81.40 94.50 0.11 94.76108 248 UNITED FIRE & CAS GRP 49,411 51,106 63.69 68.97 0.11 94.86109 21172 VANLINER INS CO 49,190 51,739 103.12 109.51 0.11 94.97110 40517 ADVANTAGE WORKERS COMP INS CO 48,564 47,400 34.12 40.04 0.11 95.08111 681 SERVICE LIFE GRP 48,469 47,339 43.62 46.35 0.11 95.18112 153 PEKIN INS GRP 48,155 48,245 78.42 89.67 0.10 95.29113 50 COUNTRY INS & FIN SERV GRP 46,679 48,147 69.84 78.98 0.10 95.39114 408 AMERICAN NATL FIN GRP 44,989 46,779 61.05 70.56 0.10 95.49115 10998 MICHIGAN COMMERCIAL INS MUT 44,375 44,083 54.97 60.65 0.10 95.58116 309 WESTERN NATL MUT 43,578 43,811 76.60 81.60 0.09 95.68117 1178 CHARTER INS GRP 42,473 41,591 43.47 50.95 0.09 95.77118 812 HIGHMARK GRP 41,369 40,840 45.92 45.36 0.09 95.86119 303 GUIDEONE INS GRP 40,454 41,848 41.14 48.96 0.09 95.95120 518 GRINNELL MUT GRP 40,000 40,861 62.45 64.39 0.09 96.04121 1124 RAS DAKOTA GRP 39,348 41,110 53.45 60.27 0.09 96.12122 3494 JAMES RIVER GRP 37,588 39,470 53.87 64.30 0.08 96.20123 10781 HAWAII EMPLOYERS MUT INS CO 37,216 42,481 57.78 61.61 0.08 96.28124 250 DONEGAL GRP 37,142 38,443 67.94 71.27 0.08 96.37125 12356 SCHOOL BOARDS INS CO OF PA INC 36,206 39,791 79.97 92.75 0.08 96.44

**INDUSTRY TOTAL** 45,912,920 46,701,743 71.00 78.88 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 111 LIBERTY MUT GRP 46,710 41,288 79.72 89.45 14.71 14.712 12 AMERICAN INTL GRP 45,592 52,911 56.65 66.04 14.36 29.073 212 ZURICH INS GRP 29,187 29,366 64.04 76.54 9.19 38.264 3548 TRAVELERS GRP 26,515 26,328 102.53 115.41 8.35 46.615 91 HARTFORD FIRE & CAS GRP 19,051 19,802 65.74 67.42 6.00 52.616 626 ACE LTD GRP 14,606 15,486 68.05 75.27 4.60 57.217 31 BERKSHIRE HATHAWAY GRP 10,658 11,083 29.29 43.23 3.36 60.568 280 AUTO OWNERS GRP 8,465 8,758 42.25 47.82 2.67 63.239 98 WR BERKLEY CORP GRP 8,354 8,281 -31.41 -41.80 2.63 65.8610 218 CNA INS GRP 7,535 6,006 66.46 76.06 2.37 68.23

**STATE TOTAL** 317,546 321,766 65.52 74.41 100.00 100.00. .

Alaska 1 38733 ALASKA NATL INS CO 72,337 75,691 29.47 34.59 28.30 28.302 111 LIBERTY MUT GRP 53,062 69,026 73.80 82.63 20.76 49.053 12 AMERICAN INTL GRP 34,311 40,262 54.22 61.68 13.42 62.474 15563 SEABRIGHT INS CO 17,383 16,450 55.32 58.44 6.80 69.275 84 AMERICAN FINANCIAL GRP 13,539 13,523 19.57 22.66 5.30 74.576 3548 TRAVELERS GRP 10,649 10,012 28.93 32.88 4.17 78.737 212 ZURICH INS GRP 10,292 11,344 48.63 54.36 4.03 82.768 680 AMERISAFE GRP 8,705 8,836 14.82 18.25 3.40 86.169 38687 ALASKA TIMBER INS EXCH 5,270 5,270 45.03 43.81 2.06 88.2310 40126 UMIALIK INS CO 5,264 5,654 42.91 43.38 2.06 90.28

**STATE TOTAL** 255,649 281,824 51.73 58.24 100.00 100.00. .

Arizona 1 4485 SCF GRP 242,574 275,629 101.37 105.59 39.81 39.812 3548 TRAVELERS GRP 54,956 57,759 57.52 66.19 9.02 48.833 111 LIBERTY MUT GRP 49,729 47,718 55.88 65.60 8.16 57.004 91 HARTFORD FIRE & CAS GRP 41,566 41,700 57.41 64.57 6.82 63.825 212 ZURICH INS GRP 39,863 43,687 46.27 53.00 6.54 70.366 12 AMERICAN INTL GRP 30,771 34,543 94.75 107.33 5.05 75.417 218 CNA INS GRP 14,535 12,609 75.80 88.85 2.39 77.808 626 ACE LTD GRP 13,095 13,967 100.37 104.62 2.15 79.959 84 AMERICAN FINANCIAL GRP 8,593 8,517 -20.67 -17.78 1.41 81.3610 15563 SEABRIGHT INS CO 8,409 8,133 73.90 78.69 1.38 82.74

**STATE TOTAL** 609,259 646,142 75.63 81.79 100.00 100.00. .

Arkansas 1 111 LIBERTY MUT GRP 38,604 39,245 25.80 30.20 17.24 17.242 12 AMERICAN INTL GRP 26,537 33,179 32.33 40.70 11.85 29.103 3548 TRAVELERS GRP 17,429 17,601 62.70 71.83 7.79 36.884 212 ZURICH INS GRP 13,539 13,905 54.09 61.74 6.05 42.935 27626 FIRSTCOMP INS CO 12,379 12,073 52.56 57.63 5.53 48.466 98 WR BERKLEY CORP GRP 9,207 9,727 89.83 94.43 4.11 52.577 218 CNA INS GRP 8,949 8,557 39.16 46.60 4.00 56.578 91 HARTFORD FIRE & CAS GRP 8,587 9,152 25.63 28.36 3.84 60.419 150 OLD REPUBLIC GRP 7,165 7,241 70.27 74.03 3.20 63.6110 626 ACE LTD GRP 7,055 7,375 62.84 73.38 3.15 66.76

**STATE TOTAL** 223,867 234,003 47.57 53.55 100.00 100.00. .

California 1 35076 STATE COMPENSATION INS FUND 1,287,041 1,282,537 73.21 80.36 18.69 18.692 212 ZURICH INS GRP 562,070 555,189 80.20 93.93 8.16 26.863 12 AMERICAN INTL GRP 541,902 575,863 77.71 96.43 7.87 34.734 3548 TRAVELERS GRP 508,150 492,961 59.95 71.90 7.38 42.115 111 LIBERTY MUT GRP 363,156 348,563 91.27 100.72 5.27 47.386 91 HARTFORD FIRE & CAS GRP 338,577 292,257 44.52 51.04 4.92 52.307 336 ZENITH NATL INS GRP 267,588 272,065 46.10 51.42 3.89 56.188 31 BERKSHIRE HATHAWAY GRP 235,577 250,768 78.63 82.65 3.42 59.609 1120 EVEREST REINS HOLDINGS GRP 204,779 172,585 75.43 87.38 2.97 62.5810 3363 EMPLOYERS GRP 184,447 188,631 55.96 60.45 2.68 65.26

**STATE TOTAL** 6,885,439 6,760,925 69.21 79.31 100.00 100.00. .

Colorado 1 41190 PINNACOL ASSUR 353,824 381,694 65.05 67.13 53.38 53.382 111 LIBERTY MUT GRP 50,085 52,182 71.02 78.22 7.56 60.943 12 AMERICAN INTL GRP 43,919 48,624 64.93 76.31 6.63 67.574 212 ZURICH INS GRP 41,288 44,361 52.05 55.90 6.23 73.805 91 HARTFORD FIRE & CAS GRP 36,679 39,822 64.06 68.14 5.53 79.33




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 3548 TRAVELERS GRP 27,024 26,823 54.12 64.30 4.08 83.417 626 ACE LTD GRP 17,886 18,270 8.66 15.71 2.70 86.118 38 CHUBB & SON INC GRP 9,124 10,130 49.84 50.33 1.38 87.489 218 CNA INS GRP 8,273 7,396 76.47 88.85 1.25 88.7310 175 STATE AUTO MUT GRP 5,748 6,598 109.70 122.48 0.87 89.60

**STATE TOTAL** 662,784 708,130 63.18 67.13 100.00 100.00. .

Connecticut 1 91 HARTFORD FIRE & CAS GRP 109,850 114,711 61.71 63.47 18.51 18.512 111 LIBERTY MUT GRP 108,509 111,067 77.70 84.78 18.29 36.803 3548 TRAVELERS GRP 68,012 69,036 69.54 80.59 11.46 48.264 12 AMERICAN INTL GRP 51,026 67,520 94.68 108.43 8.60 56.865 212 ZURICH INS GRP 30,423 29,325 51.63 61.92 5.13 61.996 98 WR BERKLEY CORP GRP 21,335 21,093 45.79 48.66 3.60 65.587 218 CNA INS GRP 21,182 21,067 119.14 124.64 3.57 69.158 38 CHUBB & SON INC GRP 19,002 20,151 47.08 47.04 3.20 72.359 626 ACE LTD GRP 13,576 13,774 380.47 396.95 2.29 74.6410 767 PENNSYLVANIA MANUFACTURERS GRP 10,549 9,664 64.41 70.38 1.78 76.42

**STATE TOTAL** 593,398 616,055 80.82 88.41 100.00 100.00. .

Delaware 1 111 LIBERTY MUT GRP 17,243 20,751 76.01 87.38 12.71 12.712 12 AMERICAN INTL GRP 15,244 17,759 69.87 82.81 11.24 23.953 212 ZURICH INS GRP 13,615 14,097 82.58 92.41 10.04 33.984 3548 TRAVELERS GRP 12,835 14,342 68.10 76.13 9.46 43.445 91 HARTFORD FIRE & CAS GRP 10,764 12,910 53.58 57.70 7.93 51.386 767 PENNSYLVANIA MANUFACTURERS GRP 6,149 6,693 52.74 63.62 4.53 55.917 626 ACE LTD GRP 5,658 4,988 198.61 227.87 4.17 60.088 250 DONEGAL GRP 4,679 4,150 67.38 63.86 3.45 63.539 228 WESTFIELD GRP 3,952 5,035 75.47 86.20 2.91 66.4410 218 CNA INS GRP 3,789 3,574 179.49 196.10 2.79 69.23

**STATE TOTAL** 135,669 151,711 76.50 85.99 100.00 100.00. .

District of Columbia 1 91 HARTFORD FIRE & CAS GRP 30,799 31,894 56.80 61.67 23.25 23.252 3548 TRAVELERS GRP 23,003 23,379 53.82 60.30 17.36 40.613 111 LIBERTY MUT GRP 17,666 18,009 35.39 39.59 13.34 53.954 12 AMERICAN INTL GRP 9,583 11,475 94.60 109.18 7.23 61.185 212 ZURICH INS GRP 7,154 7,657 166.00 180.12 5.40 66.586 38 CHUBB & SON INC GRP 7,151 7,548 17.83 16.10 5.40 71.987 626 ACE LTD GRP 3,655 3,825 165.99 161.99 2.76 74.748 213 ERIE INS GRP 3,188 3,251 71.92 80.14 2.41 77.159 218 CNA INS GRP 3,129 2,767 15.32 25.61 2.36 79.5110 457 ARGONAUT GRP 3,072 3,384 75.50 74.03 2.32 81.83

**STATE TOTAL** 132,472 138,056 62.56 68.72 100.00 100.00. .

Florida 1 111 LIBERTY MUT GRP 350,243 360,507 51.33 56.98 20.60 20.602 12 AMERICAN INTL GRP 135,403 160,464 62.02 78.18 7.96 28.563 474 FCCI MUT INS GRP 104,035 107,143 45.39 52.82 6.12 34.684 91 HARTFORD FIRE & CAS GRP 98,906 101,699 74.16 80.21 5.82 40.505 336 ZENITH NATL INS GRP 93,736 97,431 33.72 40.08 5.51 46.016 3548 TRAVELERS GRP 87,111 87,442 56.47 71.44 5.12 51.137 212 ZURICH INS GRP 79,378 89,910 55.54 69.07 4.67 55.808 10385 FFVA MUT INS CO 62,708 69,562 70.00 78.11 3.69 59.499 2538 AMTRUST FINANCIAL SERV GRP 60,444 68,296 46.73 55.43 3.55 63.0410 626 ACE LTD GRP 55,437 58,688 97.26 110.66 3.26 66.30

**STATE TOTAL** 1,700,422 1,797,577 53.98 63.12 100.00 100.00. .

Georgia 1 111 LIBERTY MUT GRP 126,057 128,108 61.88 68.17 12.19 12.192 3548 TRAVELERS GRP 88,679 89,281 77.92 87.61 8.57 20.763 12 AMERICAN INTL GRP 76,846 94,327 92.12 107.90 7.43 28.194 91 HARTFORD FIRE & CAS GRP 66,658 70,508 65.14 71.09 6.44 34.635 212 ZURICH INS GRP 65,692 67,219 46.20 53.60 6.35 40.986 1302 BUILDERS INS GRP 41,817 49,874 67.29 73.09 4.04 45.037 280 AUTO OWNERS GRP 35,340 36,855 125.80 139.82 3.42 48.448 626 ACE LTD GRP 31,407 31,595 26.26 30.14 3.04 51.489 474 FCCI MUT INS GRP 30,802 30,660 78.31 83.60 2.98 54.4610 98 WR BERKLEY CORP GRP 26,877 24,742 48.57 57.48 2.60 57.05




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 1,034,407 1,074,611 66.89 75.02 100.00 100.00. .

Hawaii 1 10781 HAWAII EMPLOYERS MUT INS CO 37,216 42,481 57.78 61.61 19.61 19.612 218 CNA INS GRP 30,197 31,186 8.25 12.26 15.91 35.523 106 ISLAND INS CO GRP 26,784 28,451 30.49 35.71 14.11 49.634 12 AMERICAN INTL GRP 13,122 16,647 49.96 55.93 6.91 56.545 212 ZURICH INS GRP 12,808 12,811 45.54 50.96 6.75 63.296 111 LIBERTY MUT GRP 11,876 11,665 73.12 83.93 6.26 69.547 4513 AIOI INS GRP 9,239 9,069 95.19 111.93 4.87 74.418 15563 SEABRIGHT INS CO 7,011 7,491 59.17 66.32 3.69 78.119 158 FAIRFAX FIN GRP 6,414 7,388 -4.27 -6.00 3.38 81.4910 761 ALLIANZ INS GRP 5,737 6,395 37.95 44.37 3.02 84.51

**STATE TOTAL** 189,808 204,108 41.25 46.71 100.00 100.00. .

Idaho 1 36129 IDAHO STATE INS FUND 154,030 160,188 76.80 82.47 56.45 56.452 111 LIBERTY MUT GRP 47,800 47,721 114.83 119.00 17.52 73.963 212 ZURICH INS GRP 10,740 9,558 56.61 62.62 3.94 77.904 40517 ADVANTAGE WORKERS COMP INS CO 8,406 8,515 23.44 23.26 3.08 80.985 3363 EMPLOYERS GRP 6,096 5,982 41.09 34.96 2.23 83.226 12 AMERICAN INTL GRP 5,885 6,285 128.02 139.75 2.16 85.377 3548 TRAVELERS GRP 5,781 5,748 71.24 77.51 2.12 87.498 91 HARTFORD FIRE & CAS GRP 4,341 4,205 16.70 18.40 1.59 89.089 37370 ASSOCIATED LOGGERS EXCH 4,194 4,089 -55.45 -66.78 1.54 90.6210 3703 TOWER GRP 3,992 3,218 96.46 103.49 1.46 92.08

**STATE TOTAL** 272,873 276,338 77.81 82.53 100.00 100.00. .

Illinois 1 12 AMERICAN INTL GRP 276,316 312,188 93.66 104.07 11.76 11.762 111 LIBERTY MUT GRP 252,811 253,279 94.43 101.11 10.76 22.533 212 ZURICH INS GRP 193,593 195,715 115.24 128.91 8.24 30.774 3548 TRAVELERS GRP 166,349 162,880 69.90 78.74 7.08 37.855 91 HARTFORD FIRE & CAS GRP 157,984 158,830 71.15 77.21 6.73 44.586 572 BCBS OF MI GRP 97,516 102,292 77.86 85.96 4.15 48.737 244 CINCINNATI FIN GRP 51,709 53,283 125.01 133.75 2.20 50.938 2538 AMTRUST FINANCIAL SERV GRP 51,607 54,469 53.61 59.61 2.20 53.139 626 ACE LTD GRP 51,147 51,720 67.98 75.73 2.18 55.3010 218 CNA INS GRP 49,944 48,649 53.12 59.93 2.13 57.43

**STATE TOTAL** 2,348,943 2,400,734 83.09 91.15 100.00 100.00. .

Indiana 1 111 LIBERTY MUT GRP 98,443 100,553 57.59 63.73 15.85 15.852 3548 TRAVELERS GRP 44,312 45,439 43.58 48.65 7.13 22.983 12 AMERICAN INTL GRP 36,429 41,660 61.68 70.58 5.86 28.854 572 BCBS OF MI GRP 35,428 36,604 64.44 70.31 5.70 34.555 244 CINCINNATI FIN GRP 26,257 25,700 104.23 111.84 4.23 38.786 280 AUTO OWNERS GRP 25,440 25,204 123.65 134.07 4.10 42.877 212 ZURICH INS GRP 24,322 24,772 87.36 95.52 3.92 46.798 91 HARTFORD FIRE & CAS GRP 17,652 20,139 42.04 44.13 2.84 49.639 124 AMERISURE CO GRP 17,015 16,565 57.24 61.56 2.74 52.3710 796 QBE INS GRP 12,796 12,312 28.88 29.65 2.06 54.43

**STATE TOTAL** 621,187 638,587 54.82 60.47 100.00 100.00. .

Iowa 1 111 LIBERTY MUT GRP 53,755 53,620 75.45 82.93 10.03 10.032 62 EMC INS CO GRP 50,230 50,164 66.53 70.92 9.37 19.393 572 BCBS OF MI GRP 44,899 46,693 69.44 77.10 8.37 27.774 140 NATIONWIDE CORP GRP 32,793 33,776 73.55 77.64 6.12 33.885 3548 TRAVELERS GRP 30,155 30,804 74.94 82.48 5.62 39.516 212 ZURICH INS GRP 26,538 30,927 117.97 127.75 4.95 44.467 244 CINCINNATI FIN GRP 22,568 22,988 109.20 116.48 4.21 48.678 12 AMERICAN INTL GRP 20,762 22,789 87.54 98.71 3.87 52.549 248 UNITED FIRE & CAS GRP 18,667 18,508 59.34 64.37 3.48 56.0210 91 HARTFORD FIRE & CAS GRP 16,349 16,154 33.78 34.43 3.05 59.07

**STATE TOTAL** 536,192 544,191 76.22 82.17 100.00 100.00. .

Kansas 1 3548 TRAVELERS GRP 51,729 51,038 62.04 69.97 12.55 12.552 111 LIBERTY MUT GRP 48,204 52,632 86.25 94.21 11.69 24.243 91 HARTFORD FIRE & CAS GRP 31,275 30,100 40.56 44.20 7.59 31.82




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 62 EMC INS CO GRP 27,668 26,923 49.41 52.18 6.71 38.545 98 WR BERKLEY CORP GRP 27,416 30,308 71.78 76.02 6.65 45.186 12 AMERICAN INTL GRP 26,984 30,796 60.83 73.50 6.55 51.737 572 BCBS OF MI GRP 22,991 21,269 46.42 47.25 5.58 57.318 212 ZURICH INS GRP 21,258 20,130 43.26 51.02 5.16 62.469 140 NATIONWIDE CORP GRP 19,970 20,789 67.76 71.98 4.84 67.3110 626 ACE LTD GRP 10,365 10,442 68.76 77.80 2.51 69.82

**STATE TOTAL** 412,286 417,854 60.36 66.30 100.00 100.00. .

Kentucky 1 10320 KENTUCKY EMPLOYERS MUT INS 123,880 131,824 67.74 70.60 22.95 22.952 111 LIBERTY MUT GRP 101,716 104,902 64.38 69.75 18.84 41.793 12 AMERICAN INTL GRP 78,411 83,937 76.32 87.19 14.53 56.324 212 ZURICH INS GRP 33,021 33,344 86.96 99.80 6.12 62.435 3548 TRAVELERS GRP 23,158 22,879 13.67 25.23 4.29 66.726 91 HARTFORD FIRE & CAS GRP 20,017 19,604 72.14 83.70 3.71 70.437 218 CNA INS GRP 13,213 13,672 68.74 78.93 2.45 72.888 626 ACE LTD GRP 12,864 13,652 146.99 159.98 2.38 75.269 38 CHUBB & SON INC GRP 12,853 10,665 45.07 43.26 2.38 77.6410 796 QBE INS GRP 12,439 13,978 42.46 41.82 2.30 79.95

**STATE TOTAL** 539,816 556,088 72.17 80.26 100.00 100.00. .

Louisiana 1 22350 LOUISIANA WORKERS COMP CORP 181,942 196,069 37.39 37.28 24.32 24.322 111 LIBERTY MUT GRP 113,489 115,118 81.68 90.03 15.17 39.493 12472 LUBA CAS INS CO 74,917 68,478 31.97 34.49 10.01 49.504 12 AMERICAN INTL GRP 65,638 91,676 99.64 113.31 8.77 58.285 212 ZURICH INS GRP 47,788 52,556 61.15 71.45 6.39 64.666 3548 TRAVELERS GRP 35,136 33,145 50.04 60.11 4.70 69.367 626 ACE LTD GRP 29,463 31,120 100.66 109.16 3.94 73.308 680 AMERISAFE GRP 27,021 27,303 30.81 34.63 3.61 76.919 15563 SEABRIGHT INS CO 24,638 24,357 64.76 74.23 3.29 80.2010 10718 RETAILERS CAS INS CO 19,379 19,142 56.73 65.05 2.59 82.79

**STATE TOTAL** 748,142 788,168 60.64 66.99 100.00 100.00. .

Maine 1 1332 MAINE EMPLOYERS MUT INS GRP 124,553 129,783 65.01 67.90 62.21 62.212 111 LIBERTY MUT GRP 20,867 21,675 69.78 79.83 10.42 72.633 98 WR BERKLEY CORP GRP 11,445 12,243 76.54 79.82 5.72 78.354 3548 TRAVELERS GRP 7,005 6,563 47.03 53.85 3.50 81.855 91 HARTFORD FIRE & CAS GRP 6,716 7,553 65.39 70.15 3.35 85.206 12 AMERICAN INTL GRP 4,532 5,060 124.37 143.43 2.26 87.467 212 ZURICH INS GRP 4,101 3,536 181.14 208.03 2.05 89.518 626 ACE LTD GRP 3,735 3,614 168.59 182.51 1.87 91.389 828 GUARD INS CO GRP 3,365 3,502 89.49 94.42 1.68 93.0610 88 THE HANOVER INS GRP 3,278 3,529 -97.86 -97.40 1.64 94.70

**STATE TOTAL** 200,217 208,423 70.04 75.27 100.00 100.00. .

Maryland 1 11039 INJURED WORKERS INS FUND 159,515 174,159 100.12 108.66 22.69 22.692 91 HARTFORD FIRE & CAS GRP 85,939 87,994 39.26 41.61 12.22 34.923 111 LIBERTY MUT GRP 61,586 62,554 81.41 87.61 8.76 43.684 3548 TRAVELERS GRP 53,899 52,942 87.86 98.82 7.67 51.345 12 AMERICAN INTL GRP 37,793 47,911 111.16 127.61 5.38 56.726 213 ERIE INS GRP 33,876 35,461 23.97 28.42 4.82 61.547 212 ZURICH INS GRP 29,845 32,251 102.00 115.86 4.25 65.788 767 PENNSYLVANIA MANUFACTURERS GRP 22,768 23,852 73.57 78.39 3.24 69.029 242 SELECTIVE INS GRP 21,638 23,679 90.36 96.01 3.08 72.1010 218 CNA INS GRP 15,383 16,029 98.80 100.03 2.19 74.29

**STATE TOTAL** 703,003 737,429 78.16 85.29 100.00 100.00. .

Massachusetts 1 12 AMERICAN INTL GRP 129,955 155,584 125.74 144.20 15.98 15.982 111 LIBERTY MUT GRP 112,336 111,330 77.70 86.43 13.82 29.803 3548 TRAVELERS GRP 84,286 85,570 20.96 30.06 10.37 40.174 2498 AIM MUT GRP 84,258 86,348 52.99 60.45 10.36 50.535 91 HARTFORD FIRE & CAS GRP 78,197 80,576 54.78 56.64 9.62 60.156 212 ZURICH INS GRP 40,974 39,192 65.15 76.95 5.04 65.197 1178 CHARTER INS GRP 40,757 40,576 42.13 49.56 5.01 70.208 626 ACE LTD GRP 21,347 22,662 86.02 93.23 2.63 72.83




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 218 CNA INS GRP 21,164 20,779 85.28 95.12 2.60 75.4310 828 GUARD INS CO GRP 18,620 19,095 43.33 46.51 2.29 77.72

**STATE TOTAL** 813,002 842,379 70.47 79.37 100.00 100.00. .

Michigan 1 572 BCBS OF MI GRP 169,580 173,128 63.65 64.40 19.74 19.742 111 LIBERTY MUT GRP 84,107 91,564 65.82 73.04 9.79 29.533 91 HARTFORD FIRE & CAS GRP 46,444 43,864 55.53 60.07 5.41 34.944 212 ZURICH INS GRP 41,160 39,786 60.40 64.41 4.79 39.735 3548 TRAVELERS GRP 40,591 40,731 64.10 75.16 4.73 44.456 12 AMERICAN INTL GRP 40,476 45,418 57.53 68.84 4.71 49.177 124 AMERISURE CO GRP 36,779 38,541 80.84 83.28 4.28 53.458 280 AUTO OWNERS GRP 36,303 35,515 75.76 83.18 4.23 57.679 1309 FRANKENMUTH GRP 26,663 28,257 42.34 44.59 3.10 60.7810 88 THE HANOVER INS GRP 21,541 22,881 58.19 61.02 2.51 63.29

**STATE TOTAL** 859,044 882,506 61.22 66.54 100.00 100.00. .

Minnesota 1 4279 SFM GRP 83,888 82,644 69.85 74.12 11.47 11.472 111 LIBERTY MUT GRP 78,300 77,141 93.10 102.32 10.71 22.183 12 AMERICAN INTL GRP 53,042 54,979 64.79 75.54 7.25 29.434 3548 TRAVELERS GRP 49,399 49,659 91.87 101.00 6.75 36.185 212 ZURICH INS GRP 44,454 42,352 72.59 83.98 6.08 42.266 91 HARTFORD FIRE & CAS GRP 33,219 35,715 61.03 64.22 4.54 46.807 309 WESTERN NATL MUT 29,002 30,692 73.13 77.94 3.97 50.778 280 AUTO OWNERS GRP 24,967 25,713 60.17 67.36 3.41 54.189 796 QBE INS GRP 20,645 21,844 106.98 113.87 2.82 57.0010 572 BCBS OF MI GRP 19,535 19,355 62.96 70.82 2.67 59.67

**STATE TOTAL** 731,401 737,688 73.73 80.95 100.00 100.00. .

Mississippi 1 111 LIBERTY MUT GRP 68,411 69,390 58.16 66.59 23.41 23.412 12 AMERICAN INTL GRP 31,210 41,067 73.55 85.13 10.68 34.093 212 ZURICH INS GRP 22,498 21,259 11.62 16.75 7.70 41.794 3548 TRAVELERS GRP 21,699 22,541 50.93 60.72 7.43 49.225 661 BCBS OF SC GRP 18,822 18,363 24.46 32.33 6.44 55.666 91 HARTFORD FIRE & CAS GRP 10,194 10,213 77.03 80.39 3.49 59.157 626 ACE LTD GRP 8,614 9,146 24.35 32.12 2.95 62.098 98 WR BERKLEY CORP GRP 8,333 7,981 38.49 40.31 2.85 64.949 680 AMERISAFE GRP 7,175 8,578 13.90 16.23 2.46 67.4010 27626 FIRSTCOMP INS CO 6,761 7,069 59.23 68.73 2.31 69.71

**STATE TOTAL** 292,219 304,994 53.64 61.27 100.00 100.00. .

Missouri 1 10191 MO EMPLOYERS MUT INS CO 110,135 112,085 49.69 53.99 14.80 14.802 111 LIBERTY MUT GRP 83,971 87,327 49.29 54.02 11.29 26.093 3548 TRAVELERS GRP 75,718 78,211 47.19 53.78 10.18 36.274 12 AMERICAN INTL GRP 75,452 90,193 52.87 63.92 10.14 46.415 91 HARTFORD FIRE & CAS GRP 44,395 45,179 43.20 48.17 5.97 52.386 212 ZURICH INS GRP 37,033 37,969 82.77 91.97 4.98 57.367 572 BCBS OF MI GRP 35,814 36,458 63.99 68.66 4.81 62.178 626 ACE LTD GRP 16,967 19,131 -5.87 -0.23 2.28 64.459 124 AMERISURE CO GRP 14,233 14,891 25.86 28.75 1.91 66.3610 244 CINCINNATI FIN GRP 14,133 14,895 91.40 99.97 1.90 68.26

**STATE TOTAL** 743,944 784,532 52.42 58.72 100.00 100.00. .

Montana 1 MT STATE COMPENSATION INSURANCE FUND 206,218 214,966 82.59 85.01 63.57 63.572 111 LIBERTY MUT GRP 47,181 46,616 163.84 174.25 14.54 78.113 12 AMERICAN INTL GRP 14,821 14,284 73.17 81.31 4.57 82.684 212 ZURICH INS GRP 11,834 10,746 48.38 53.42 3.65 86.335 3548 TRAVELERS GRP 6,782 6,239 114.32 123.88 2.09 88.426 91 HARTFORD FIRE & CAS GRP 6,157 5,773 51.83 53.15 1.90 90.327 2538 AMTRUST FINANCIAL SERV GRP 5,326 4,686 50.09 52.89 1.64 91.968 3363 EMPLOYERS GRP 4,829 4,384 14.48 2.54 1.49 93.459 12900 VICTORY INS CO INC 4,302 2,451 28.11 30.45 1.33 94.7710 626 ACE LTD GRP 2,676 2,871 -120.50 -115.16 0.82 95.60

**STATE TOTAL** 324,406 326,884 88.48 92.36 100.00 100.00. .

Nebraska 1 111 LIBERTY MUT GRP 33,598 34,653 62.65 65.46 10.69 10.69




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 3548 TRAVELERS GRP 32,930 33,289 67.28 73.22 10.47 21.163 62 EMC INS CO GRP 21,988 22,372 57.56 60.53 6.99 28.164 140 NATIONWIDE CORP GRP 17,590 18,031 57.87 60.41 5.59 33.755 12 AMERICAN INTL GRP 16,686 18,965 98.76 112.26 5.31 39.066 212 ZURICH INS GRP 16,310 16,655 59.44 65.15 5.19 44.257 98 WR BERKLEY CORP GRP 11,873 12,217 47.97 49.68 3.78 48.028 91 HARTFORD FIRE & CAS GRP 11,763 11,940 69.73 78.00 3.74 51.769 27626 FIRSTCOMP INS CO 11,202 10,727 59.91 64.23 3.56 55.3310 572 BCBS OF MI GRP 11,022 10,791 38.40 41.28 3.51 58.83

**STATE TOTAL** 314,389 319,032 62.87 67.62 100.00 100.00. .

Nevada 1 12 AMERICAN INTL GRP 57,266 75,511 78.87 87.69 19.17 19.172 111 LIBERTY MUT GRP 28,422 29,117 67.18 72.07 9.51 28.683 91 HARTFORD FIRE & CAS GRP 21,031 21,133 48.45 50.56 7.04 35.724 3363 EMPLOYERS GRP 19,985 25,488 -80.38 -75.34 6.69 42.415 212 ZURICH INS GRP 19,507 20,100 73.37 80.75 6.53 48.946 922 AMERICAN ASSETS GRP 16,496 16,690 36.35 39.38 5.52 54.467 27626 FIRSTCOMP INS CO 12,369 12,694 37.46 39.23 4.14 58.608 1328 NEVADA CONTRACTORS INS GRP 12,191 12,191 2.37 4.20 4.08 62.689 626 ACE LTD GRP 11,806 12,585 14.35 20.62 3.95 66.6410 3548 TRAVELERS GRP 8,549 10,668 62.46 74.40 2.86 69.50

**STATE TOTAL** 298,746 330,731 43.54 48.91 100.00 100.00. .

New Hampshire 1 111 LIBERTY MUT GRP 48,521 51,687 120.51 125.55 21.98 21.982 91 HARTFORD FIRE & CAS GRP 20,679 21,885 41.22 42.44 9.37 31.343 98 WR BERKLEY CORP GRP 18,153 19,427 61.81 63.47 8.22 39.574 3548 TRAVELERS GRP 17,597 17,917 48.02 51.44 7.97 47.545 12 AMERICAN INTL GRP 12,329 16,859 69.48 77.36 5.58 53.126 1332 MAINE EMPLOYERS MUT INS GRP 12,154 14,135 66.73 72.78 5.51 58.637 212 ZURICH INS GRP 8,527 8,558 78.65 87.29 3.86 62.498 2498 AIM MUT GRP 8,182 7,685 53.86 57.37 3.71 66.209 828 GUARD INS CO GRP 7,598 7,938 167.29 169.95 3.44 69.6410 626 ACE LTD GRP 6,898 6,743 36.77 47.15 3.12 72.76

**STATE TOTAL** 220,770 232,885 79.46 84.40 100.00 100.00. .

New Jersey 1 708 NEW JERSEY MANUFACTURERS GRP 396,897 397,738 68.98 82.96 22.31 22.312 111 LIBERTY MUT GRP 193,098 202,748 71.53 80.13 10.85 33.163 91 HARTFORD FIRE & CAS GRP 189,926 190,249 52.26 62.12 10.67 43.844 12 AMERICAN INTL GRP 136,235 145,188 90.23 105.12 7.66 51.495 3548 TRAVELERS GRP 119,023 122,864 44.79 52.95 6.69 58.186 212 ZURICH INS GRP 115,224 119,318 97.06 107.45 6.48 64.667 242 SELECTIVE INS GRP 59,128 63,271 59.71 69.61 3.32 67.988 767 PENNSYLVANIA MANUFACTURERS GRP 44,961 48,326 57.61 66.82 2.53 70.519 218 CNA INS GRP 41,468 41,407 99.85 107.94 2.33 72.8410 626 ACE LTD GRP 39,884 38,728 94.37 105.34 2.24 75.08

**STATE TOTAL** 1,779,193 1,819,943 70.11 80.95 100.00 100.00. .

New Mexico 1 1112 NEW MEXICO MUT GRP 68,934 70,991 72.81 75.94 29.73 29.732 12 AMERICAN INTL GRP 28,447 31,902 87.50 100.80 12.27 42.003 212 ZURICH INS GRP 18,802 18,985 62.94 67.33 8.11 50.104 3548 TRAVELERS GRP 17,914 18,295 27.83 34.44 7.73 57.835 111 LIBERTY MUT GRP 15,318 15,871 88.80 97.63 6.61 64.446 91 HARTFORD FIRE & CAS GRP 14,254 14,476 49.21 53.91 6.15 70.587 218 CNA INS GRP 8,504 8,020 69.57 72.52 3.67 74.258 791 MOUNTAIN STATES INS CO GRP 7,317 7,966 112.15 113.69 3.16 77.419 626 ACE LTD GRP 4,562 4,896 -28.64 -24.07 1.97 79.3710 3489 DELEK GRP 4,532 4,512 58.58 63.32 1.95 81.33

**STATE TOTAL** 231,884 239,658 67.90 73.62 100.00 100.00. .

New York 1 36102 STATE INS FUND 1,309,601 1,311,660 92.81 95.47 38.26 38.262 12 AMERICAN INTL GRP 480,582 528,292 113.31 129.76 14.04 52.293 111 LIBERTY MUT GRP 330,734 273,814 66.10 73.81 9.66 61.954 91 HARTFORD FIRE & CAS GRP 210,575 201,437 23.02 11.49 6.15 68.115 3548 TRAVELERS GRP 162,050 150,625 53.31 61.77 4.73 72.846 2538 AMTRUST FINANCIAL SERV GRP 112,763 114,765 43.68 49.61 3.29 76.13




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 212 ZURICH INS GRP 109,576 163,944 88.37 102.37 3.20 79.338 38 CHUBB & SON INC GRP 94,464 96,228 41.07 39.59 2.76 82.099 201 UTICA GRP 58,658 54,299 80.28 87.47 1.71 83.8110 218 CNA INS GRP 51,102 42,017 181.84 200.85 1.49 85.30

**STATE TOTAL** 3,423,319 3,438,991 83.40 89.98 100.00 100.00. .

North Carolina 1 111 LIBERTY MUT GRP 127,864 144,033 80.94 87.29 11.01 11.012 91 HARTFORD FIRE & CAS GRP 108,948 111,496 61.56 65.77 9.38 20.393 12 AMERICAN INTL GRP 94,863 110,035 100.51 112.21 8.17 28.564 3548 TRAVELERS GRP 79,283 83,590 49.12 55.73 6.83 35.395 98 WR BERKLEY CORP GRP 75,857 83,494 66.40 71.11 6.53 41.926 212 ZURICH INS GRP 60,110 59,664 82.86 89.60 5.18 47.107 4507 BUILDERS GRP 49,241 49,586 21.61 21.66 4.24 51.348 3494 JAMES RIVER GRP 36,048 38,119 53.54 64.02 3.10 54.449 572 BCBS OF MI GRP 28,336 29,903 72.23 81.55 2.44 56.8810 626 ACE LTD GRP 25,888 26,053 78.86 87.30 2.23 59.11

**STATE TOTAL** 1,161,288 1,225,023 69.51 75.51 100.00 100.00. .

North Dakota 1 WORKFORCE SAFETY & INSURANCE OF ND 185,753 177,412 82.68 84.54 98.60 98.602 12 AMERICAN INTL GRP 447 417 2.85 3.17 0.24 98.833 38 CHUBB & SON INC GRP 426 447 8.86 11.18 0.23 99.064 111 LIBERTY MUT GRP 395 394 0.96 3.10 0.21 99.275 212 ZURICH INS GRP 333 313 14.40 18.65 0.18 99.456 626 ACE LTD GRP 303 325 -81.65 -79.87 0.16 99.617 169 SENTRY INS GRP 195 161 33.92 41.97 0.10 99.718 140 NATIONWIDE CORP GRP 124 108 9.10 12.74 0.07 99.789 572 BCBS OF MI GRP 119 128 0.00 0.00 0.06 99.8410 91 HARTFORD FIRE & CAS GRP 102 96 70.83 73.61 0.05 99.89

**STATE TOTAL** 188,395 179,978 81.48 83.36 100.00 100.00. .

Ohio 1 OHIO BUREAU OF WORKERS' COMPENSATION 2,469,550 2,469,550 67.51 83.96 99.27 99.272 111 LIBERTY MUT GRP 5,454 5,162 13.52 15.42 0.22 99.493 228 WESTFIELD GRP 3,698 3,773 15.73 22.01 0.15 99.644 12 AMERICAN INTL GRP 3,126 3,112 502.74 569.46 0.13 99.765 38 CHUBB & SON INC GRP 2,355 2,313 21.59 26.02 0.09 99.86

**STATE TOTAL** 2,487,775 2,488,437 67.85 84.33 100.00 100.00. .

Oklahoma 1 36188 COMPSOURCE OKLAHOMA 263,390 261,898 85.02 89.42 35.13 35.132 111 LIBERTY MUT GRP 88,546 85,067 81.00 89.36 11.81 46.943 12 AMERICAN INTL GRP 70,073 84,506 84.08 98.72 9.35 56.294 3548 TRAVELERS GRP 40,065 36,136 84.39 96.88 5.34 61.635 212 ZURICH INS GRP 39,421 38,573 80.86 91.31 5.26 66.896 91 HARTFORD FIRE & CAS GRP 38,561 36,262 76.78 84.33 5.14 72.047 23663 NATIONAL AMER INS CO 25,056 23,373 77.36 81.92 3.34 75.388 680 AMERISAFE GRP 19,633 20,318 14.10 15.59 2.62 78.009 626 ACE LTD GRP 19,317 20,245 61.89 75.12 2.58 80.5710 218 CNA INS GRP 17,374 16,927 76.28 82.47 2.32 82.89

**STATE TOTAL** 749,706 750,577 79.04 86.20 100.00 100.00. .

Oregon 1 36196 SAIF CORP 312,908 341,705 88.57 93.13 56.77 56.772 111 LIBERTY MUT GRP 111,292 114,546 63.17 73.62 20.19 76.963 3548 TRAVELERS GRP 25,354 25,836 83.87 96.41 4.60 81.564 212 ZURICH INS GRP 18,825 18,304 72.34 80.07 3.42 84.975 12 AMERICAN INTL GRP 18,033 26,499 74.52 83.78 3.27 88.246 91 HARTFORD FIRE & CAS GRP 15,657 15,524 47.87 49.57 2.84 91.087 626 ACE LTD GRP 10,223 10,430 -63.03 -68.27 1.85 92.948 1279 ARCH INS GRP 5,814 4,133 45.23 51.69 1.05 93.999 38 CHUBB & SON INC GRP 4,315 4,333 64.89 69.68 0.78 94.7810 218 CNA INS GRP 3,590 4,416 135.48 147.60 0.65 95.43

**STATE TOTAL** 551,210 590,647 79.15 86.01 100.00 100.00. .

Pennsylvania 1 27677 PA STATE WORKERS' INSURANCE FUND 270,347 289,580 108.14 117.14 11.89 11.892 111 LIBERTY MUT GRP 179,148 180,345 68.07 73.40 7.88 19.773 12 AMERICAN INTL GRP 172,759 182,883 87.63 100.61 7.60 27.374 212 ZURICH INS GRP 129,547 127,216 69.83 79.56 5.70 33.06




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 3548 TRAVELERS GRP 127,772 126,637 61.66 73.93 5.62 38.686 767 PENNSYLVANIA MANUFACTURERS GRP 112,541 122,166 63.72 71.85 4.95 43.637 213 ERIE INS GRP 108,483 111,340 27.07 30.56 4.77 48.408 91 HARTFORD FIRE & CAS GRP 105,284 108,377 58.54 62.29 4.63 53.039 3158 EASTERN HOLDING CO GRP 88,306 86,824 33.47 36.34 3.88 56.9210 3118 LACKAWANNA INS GRP 64,685 64,235 50.43 54.77 2.84 59.76

**STATE TOTAL** 2,273,833 2,319,386 71.51 78.87 100.00 100.00. .

Rhode Island 1 3490 BEACON MUT GRP 91,451 98,767 51.99 54.28 58.66 58.662 111 LIBERTY MUT GRP 15,498 15,324 80.31 89.74 9.94 68.603 91 HARTFORD FIRE & CAS GRP 11,488 12,038 78.18 82.82 7.37 75.974 3548 TRAVELERS GRP 6,073 5,795 26.11 37.75 3.89 79.865 12 AMERICAN INTL GRP 5,529 7,085 100.13 116.57 3.55 83.416 212 ZURICH INS GRP 2,958 2,650 116.04 133.98 1.90 85.307 38 CHUBB & SON INC GRP 2,621 2,795 45.77 45.32 1.68 86.998 1332 MAINE EMPLOYERS MUT INS GRP 2,518 2,538 72.36 79.10 1.62 88.609 626 ACE LTD GRP 2,062 2,151 252.67 278.79 1.32 89.9210 828 GUARD INS CO GRP 1,867 1,873 75.80 80.89 1.20 91.12

**STATE TOTAL** 155,908 164,746 63.23 68.96 100.00 100.00. .

South Carolina 1 111 LIBERTY MUT GRP 94,581 100,734 64.82 72.45 13.89 13.892 SOUTH CAROLINA STATE ACCIDENT FUND 94,095 94,095 54.57 54.57 13.81 27.703 91 HARTFORD FIRE & CAS GRP 60,665 61,471 61.32 67.55 8.91 36.614 12 AMERICAN INTL GRP 41,783 57,277 81.49 100.16 6.13 42.745 98 WR BERKLEY CORP GRP 38,113 36,756 52.47 57.45 5.60 48.346 3548 TRAVELERS GRP 32,905 32,443 42.15 51.77 4.83 53.177 212 ZURICH INS GRP 31,779 32,704 73.36 82.93 4.67 57.838 572 BCBS OF MI GRP 28,385 30,641 57.17 66.44 4.17 62.009 626 ACE LTD GRP 19,842 20,023 64.17 64.74 2.91 64.9110 280 AUTO OWNERS GRP 19,511 20,531 46.68 52.57 2.86 67.78

**STATE TOTAL** 681,122 710,082 62.10 69.35 100.00 100.00. .

South Dakota 1 1124 RAS DAKOTA GRP 15,612 16,457 43.37 48.80 11.46 11.462 98 WR BERKLEY CORP GRP 11,979 12,709 34.77 34.75 8.79 20.263 14184 ACUITY A MUT INS CO 9,301 9,646 143.37 150.55 6.83 27.094 140 NATIONWIDE CORP GRP 7,593 7,609 41.47 43.98 5.57 32.665 111 LIBERTY MUT GRP 7,166 7,173 91.43 104.86 5.26 37.926 3548 TRAVELERS GRP 7,111 6,793 48.40 55.99 5.22 43.147 212 ZURICH INS GRP 6,199 6,165 98.83 110.07 4.55 47.698 91 HARTFORD FIRE & CAS GRP 5,791 5,568 62.19 71.01 4.25 51.949 4152 RELIAMAX HOLDING GRP 4,648 4,489 56.34 63.63 3.41 55.3610 796 QBE INS GRP 4,599 4,786 39.74 40.40 3.38 58.73

**STATE TOTAL** 136,206 135,225 67.45 73.61 100.00 100.00. .

Tennessee 1 111 LIBERTY MUT GRP 104,462 111,650 68.75 75.87 14.72 14.722 3548 TRAVELERS GRP 62,632 63,116 65.20 73.84 8.82 23.543 12 AMERICAN INTL GRP 53,295 67,266 73.44 89.11 7.51 31.054 91 HARTFORD FIRE & CAS GRP 45,397 47,416 50.63 52.63 6.39 37.445 212 ZURICH INS GRP 38,330 42,410 67.01 76.04 5.40 42.846 572 BCBS OF MI GRP 32,641 30,423 41.66 46.96 4.60 47.447 98 WR BERKLEY CORP GRP 26,968 27,878 53.76 59.63 3.80 51.248 626 ACE LTD GRP 25,287 25,649 56.29 65.56 3.56 54.809 218 CNA INS GRP 17,234 16,470 111.14 123.50 2.43 57.2310 280 AUTO OWNERS GRP 15,499 16,195 49.65 54.85 2.18 59.41

**STATE TOTAL** 709,892 741,747 63.25 70.98 100.00 100.00. .

Texas 1 22945 TEXAS MUT INS CO 634,389 645,639 44.09 52.42 29.03 29.032 111 LIBERTY MUT GRP 238,054 247,478 49.04 55.37 10.89 39.923 12 AMERICAN INTL GRP 178,505 223,089 54.25 65.55 8.17 48.094 3548 TRAVELERS GRP 169,900 169,970 29.26 36.65 7.77 55.865 91 HARTFORD FIRE & CAS GRP 160,942 166,501 42.27 45.50 7.36 63.236 212 ZURICH INS GRP 158,234 169,969 46.49 55.70 7.24 70.477 626 ACE LTD GRP 94,193 104,977 72.66 82.10 4.31 74.788 218 CNA INS GRP 60,559 58,472 7.21 12.31 2.77 77.559 681 SERVICE LIFE GRP 48,469 47,339 43.62 46.35 2.22 79.77




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 124 AMERISURE CO GRP 41,562 42,360 37.86 39.23 1.90 81.67**STATE TOTAL** 2,185,468 2,292,556 44.05 51.25 100.00 100.00

. .Utah 1 1147 WORKERS COMP OF UTAH GRP 172,576 178,941 61.88 71.69 49.90 49.90

2 12 AMERICAN INTL GRP 27,049 27,542 76.33 85.73 7.82 57.723 212 ZURICH INS GRP 25,166 27,100 69.68 74.44 7.28 65.004 111 LIBERTY MUT GRP 20,164 22,286 52.62 58.01 5.83 70.835 3548 TRAVELERS GRP 19,086 18,726 91.74 102.90 5.52 76.356 91 HARTFORD FIRE & CAS GRP 13,317 13,873 27.73 31.28 3.85 80.207 280 AUTO OWNERS GRP 9,586 11,419 50.24 55.08 2.77 82.978 626 ACE LTD GRP 7,179 7,973 70.74 81.16 2.08 85.059 12200 AMERICAN LIBERTY INS CO 5,932 5,932 42.84 44.29 1.72 86.7710 218 CNA INS GRP 4,338 3,391 46.55 56.38 1.25 88.02

**STATE TOTAL** 345,826 359,941 61.36 69.13 100.00 100.00. .

Vermont 1 111 LIBERTY MUT GRP 35,004 34,264 73.63 79.62 23.68 23.682 98 WR BERKLEY CORP GRP 13,958 14,524 53.57 54.73 9.44 33.123 12 AMERICAN INTL GRP 13,840 17,588 95.87 105.85 9.36 42.484 3548 TRAVELERS GRP 12,774 13,419 13.60 18.18 8.64 51.125 91 HARTFORD FIRE & CAS GRP 11,554 12,337 30.72 30.81 7.82 58.946 1332 MAINE EMPLOYERS MUT INS GRP 10,884 11,425 70.79 72.66 7.36 66.307 2538 AMTRUST FINANCIAL SERV GRP 9,215 6,759 19.09 22.74 6.23 72.538 244 CINCINNATI FIN GRP 5,907 6,364 79.92 84.00 4.00 76.539 212 ZURICH INS GRP 3,544 3,669 96.17 103.14 2.40 78.9310 748 MEADOWBROOK INS GRP 3,493 3,717 55.78 58.09 2.36 81.29

**STATE TOTAL** 147,835 156,659 61.99 66.49 100.00 100.00. .

Virginia 1 111 LIBERTY MUT GRP 96,042 100,583 58.33 63.16 12.27 12.272 12 AMERICAN INTL GRP 78,597 92,964 75.68 87.40 10.04 22.313 91 HARTFORD FIRE & CAS GRP 78,025 80,136 41.07 43.92 9.97 32.284 3548 TRAVELERS GRP 62,688 62,614 33.35 39.26 8.01 40.295 212 ZURICH INS GRP 45,041 45,177 56.26 62.50 5.75 46.046 213 ERIE INS GRP 35,320 35,947 -3.44 -1.19 4.51 50.567 98 WR BERKLEY CORP GRP 30,712 29,941 52.77 58.49 3.92 54.488 572 BCBS OF MI GRP 20,796 19,557 66.61 71.90 2.66 57.149 626 ACE LTD GRP 19,958 19,772 116.99 130.59 2.55 59.6910 661 BCBS OF SC GRP 18,412 17,155 22.13 22.96 2.35 62.04

**STATE TOTAL** 782,728 806,642 59.41 65.41 100.00 100.00. .

Washington 1 WASHINGTON STATE FUND 1,360,533 1,360,533 172.64 186.31 98.52 98.522 15563 SEABRIGHT INS CO 8,728 11,950 62.15 67.13 0.63 99.153 12 AMERICAN INTL GRP 4,577 4,772 457.50 512.01 0.33 99.484 111 LIBERTY MUT GRP 2,743 -14,965 N/A N/A 0.20 99.685 38733 ALASKA NATL INS CO 2,161 2,467 135.39 145.22 0.16 99.83

**STATE TOTAL** 1,381,035 1,367,949 174.41 188.33 100.00 100.00. .

West Virginia 1 12372 BRICKSTREET MUT INS CO 308,951 336,529 65.71 71.80 76.09 76.092 12 AMERICAN INTL GRP 25,191 24,367 26.91 31.37 6.20 82.293 3548 TRAVELERS GRP 10,634 11,333 48.90 57.38 2.62 84.914 111 LIBERTY MUT GRP 10,362 9,507 69.85 77.07 2.55 87.465 212 ZURICH INS GRP 7,903 7,168 90.08 104.49 1.95 89.416 91 HARTFORD FIRE & CAS GRP 5,659 4,961 77.89 84.25 1.39 90.807 150 OLD REPUBLIC GRP 4,250 4,272 165.28 174.91 1.05 91.858 213 ERIE INS GRP 3,911 3,136 67.30 70.49 0.96 92.819 457 ARGONAUT GRP 3,714 4,812 45.66 48.86 0.91 93.7310 626 ACE LTD GRP 2,364 2,340 4.20 11.48 0.58 94.31

**STATE TOTAL** 406,039 428,502 64.26 70.54 100.00 100.00. .

Wisconsin 1 111 LIBERTY MUT GRP 174,991 181,236 72.68 76.68 11.31 11.312 169 SENTRY INS GRP 107,806 108,425 80.37 83.61 6.96 18.273 12 AMERICAN INTL GRP 103,988 113,783 80.10 88.81 6.72 24.994 3548 TRAVELERS GRP 102,207 109,015 65.84 73.25 6.60 31.595 572 BCBS OF MI GRP 97,984 98,786 53.24 58.19 6.33 37.926 212 ZURICH INS GRP 85,221 90,057 63.28 69.56 5.51 43.437 1243 WEST BEND MUT GRP 78,068 81,205 71.33 72.98 5.04 48.47




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


8 14184 ACUITY A MUT INS CO 72,095 74,069 48.13 49.61 4.66 53.139 796 QBE INS GRP 64,813 64,988 85.07 90.03 4.19 57.3110 626 ACE LTD GRP 64,808 19,586 273.69 274.05 4.19 61.50

**STATE TOTAL** 1,547,896 1,535,113 68.17 72.78 100.00 100.00. .

Wyoming 1 WORKERS' SAFETY & COMP DIV OF WY 240,363 240,363 114.28 116.50 98.74 98.742 12 AMERICAN INTL GRP 1,104 1,238 89.96 85.40 0.45 99.193 111 LIBERTY MUT GRP 1,103 1,093 -5.72 -4.70 0.45 99.644 91 HARTFORD FIRE & CAS GRP 599 582 19.01 15.96 0.25 99.89

**STATE TOTAL** 243,438 243,638 112.97 115.19 100.00 100.00. .

Guam 1 18380 PACIFIC IND INS CO 2,427 2,218 40.13 40.12 38.07 38.072 12633 CENTURY INS CO GU LTD 1,599 1,187 31.32 32.10 25.09 63.153 13597 CHUNG KUO INS CO LTD 1,150 1,121 61.70 64.69 18.04 81.194 4672 DONGBU INS GRP 900 954 81.66 91.23 14.11 95.315 10972 FIRST NET INS CO 276 277 117.05 128.69 4.33 99.64

**STATE TOTAL** 6,375 5,800 49.41 52.09 100.00 100.00. .

Puerto Rico 1 21261 ELECTRIC INS CO 767 767 0.00 0.00 42.67 42.672 12 AMERICAN INTL GRP 375 370 -13.74 -13.55 20.87 63.533 212 ZURICH INS GRP 346 320 -15.87 -19.57 19.27 82.804 626 ACE LTD GRP 143 182 44.41 103.47 7.98 90.785 411 MAPFRE INS GRP 95 120 0.00 0.00 5.29 96.076 91 HARTFORD FIRE & CAS GRP 44 33 56.24 62.92 2.47 98.547 111 LIBERTY MUT GRP 24 23 -85.99 -105.02 1.32 99.86

**STATE TOTAL** 1,797 1,817 8.05 12.42 100.00 100.00. .

U.S. Virgin Islands 1 111 LIBERTY MUT GRP 42 38 -34.83 -39.56 95.87 95.872 626 ACE LTD GRP 1 1 -3634.55 -3945.34 2.53 98.40

**STATE TOTAL** 44 39 -118.40 -130.62 100.00 100.00. .

N. Mariana Islands 1 4672 DONGBU INS GRP 105 97 3.22 7.29 78.82 78.822 18380 PACIFIC IND INS CO 16 18 50.64 50.64 11.81 90.64

**STATE TOTAL** 133 122 10.10 13.34 100.00 100.00. .

Canada 1 761 ALLIANZ INS GRP 41 42 258.04 258.33 69.67 69.67**STATE TOTAL** 59 73 1485.17 1424.13 100.00 100.00

. .Aggregate Other Alien 1 12 AMERICAN INTL GRP 302,211 141,713 17.09 -54.01 49.28 49.28

2 218 CNA INS GRP 173,388 151,061 96.68 100.79 28.28 77.563 626 ACE LTD GRP 83,502 90,896 -121.27 -120.58 13.62 91.184 212 ZURICH INS GRP 36,380 28,358 77.65 90.53 5.93 97.11

**STATE TOTAL** 613,216 434,103 20.52 -0.25 100.00 100.00. .




17.1, 17.2—Other Liability



States, U.S. Territories, Canada, and Aggregate Other Alien_17P1



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 12 AMERICAN INTL GRP 6,860,901 7,940,767 77.25 91.05 14.84 14.842 212 ZURICH INS GRP 3,023,365 3,057,303 68.78 75.38 6.54 21.383 3548 TRAVELERS GRP 2,935,971 3,053,503 36.28 51.15 6.35 27.734 38 CHUBB & SON INC GRP 2,505,752 2,609,271 37.42 49.17 5.42 33.155 626 ACE LTD GRP 2,248,616 2,295,203 59.87 63.91 4.86 38.016 218 CNA INS GRP 2,156,405 2,159,875 73.90 93.60 4.66 42.677 111 LIBERTY MUT GRP 1,860,320 1,899,293 45.39 63.83 4.02 46.698 1285 XL AMER GRP 1,458,067 1,514,676 64.30 74.73 3.15 49.859 140 NATIONWIDE CORP GRP 1,281,593 1,279,839 47.20 56.87 2.77 52.6210 91 HARTFORD FIRE & CAS GRP 904,875 989,066 21.50 25.86 1.96 54.5811 761 ALLIANZ INS GRP 825,357 882,664 58.68 68.51 1.78 56.3612 98 WR BERKLEY CORP GRP 819,893 857,414 28.00 45.07 1.77 58.1413 176 STATE FARM GRP 762,033 747,494 54.84 58.31 1.65 59.7814 84 AMERICAN FINANCIAL GRP 760,517 790,162 32.36 43.37 1.64 61.4315 984 HCC INS HOLDINGS GRP 714,434 673,862 53.35 66.71 1.55 62.9716 3416 AXIS CAPITAL GRP 709,767 692,656 62.11 70.21 1.53 64.5117 1279 ARCH INS GRP 639,039 648,859 48.10 58.25 1.38 65.8918 31 BERKSHIRE HATHAWAY GRP 567,103 581,025 43.72 60.27 1.23 67.1219 677 PHILADELPHIA CONSOLIDATED HOLDING GR 500,858 468,370 43.41 50.28 1.08 68.2020 244 CINCINNATI FIN GRP 492,347 494,224 29.91 37.13 1.06 69.2621 501 ALLEGHANY GRP 477,539 505,511 44.22 51.32 1.03 70.3022 3239 ALLIED WORLD ASSUR HOLDING GRP 435,703 388,004 56.24 69.73 0.94 71.2423 785 MARKEL CORP GRP 404,306 448,782 40.77 57.72 0.87 72.1124 181 SWISS RE GRP 401,312 424,757 41.99 75.04 0.87 72.9825 510 NAVIGATORS GRP 400,299 411,692 38.87 46.87 0.87 73.8526 158 FAIRFAX FIN GRP 399,337 382,507 24.86 50.04 0.86 74.7127 457 ARGONAUT GRP 391,208 396,105 65.84 87.33 0.85 75.5628 10639 ATTORNEYS LIAB ASSUR SOCIETY INC RRG 321,951 320,882 53.74 55.26 0.70 76.2529 8 ALLSTATE INS GRP 311,212 316,417 93.41 103.74 0.67 76.9330 242 SELECTIVE INS GRP 299,861 307,231 49.94 59.41 0.65 77.5731 150 OLD REPUBLIC GRP 287,387 306,093 39.12 52.12 0.62 78.2032 783 RLI INS GRP 271,065 289,424 31.48 43.61 0.59 78.7833 1129 WHITE MOUNTAINS GRP 247,046 235,481 20.90 37.90 0.53 79.3234 280 AUTO OWNERS GRP 245,068 245,289 26.31 31.55 0.53 79.8535 3617 FIRST MERCURY FIN GRP 228,550 231,523 38.35 58.86 0.49 80.3436 4509 IRONSHORE GRP 218,362 105,078 53.01 63.50 0.47 80.8137 1120 EVEREST REINS HOLDINGS GRP 210,735 234,794 52.60 69.34 0.46 81.2738 796 QBE INS GRP 208,701 217,625 25.75 36.15 0.45 81.7239 62 EMC INS CO GRP 203,759 206,815 35.56 48.28 0.44 82.1640 4574 CATLIN US INS GRP 194,346 133,012 42.76 52.78 0.42 82.5841 361 MUNICH RE GRP 192,905 194,068 53.63 70.09 0.42 83.0042 19 ASSURANT INC GRP 169,388 195,086 44.32 45.14 0.37 83.3743 88 THE HANOVER INS GRP 168,452 154,397 27.72 36.70 0.36 83.7344 3786 ENDURANCE GRP 166,106 144,251 53.80 62.98 0.36 84.0945 479 IFG CO GRP 158,067 171,385 30.46 47.21 0.34 84.4346 3569 CATERPILLAR GRP 155,378 180,823 68.65 68.65 0.34 84.7747 37540 BEAZLEY INS CO INC 151,825 151,600 58.26 72.76 0.33 85.0948 7 FEDERATED MUT GRP 142,546 153,477 27.21 34.19 0.31 85.4049 748 MEADOWBROOK INS GRP 140,530 148,064 26.28 43.44 0.30 85.7150 175 STATE AUTO MUT GRP 139,113 138,347 40.18 56.48 0.30 86.0151 155 PROGRESSIVE GRP 138,975 136,513 32.31 34.48 0.30 86.3152 200 UNITED SERV AUTOMOBILE ASSN GRP 130,616 126,475 48.85 50.39 0.28 86.5953 93 STATE NATL GRP 128,446 131,528 56.66 72.78 0.28 86.8754 10020 UNITED EDUCATORS INS RRG INC 124,354 123,777 37.85 71.63 0.27 87.1455 1243 WEST BEND MUT GRP 123,661 121,000 24.30 29.93 0.27 87.4156 306 CUNA MUT GRP 120,459 119,578 55.74 55.95 0.26 87.6757 866 WESTERN WORLD GRP 116,913 122,931 42.30 58.16 0.25 87.9258 473 AMERICAN FAMILY INS GRP 116,860 114,999 80.20 86.47 0.25 88.1759 228 WESTFIELD GRP 113,955 113,354 32.73 38.39 0.25 88.4260 3703 TOWER GRP 111,476 114,089 49.60 29.47 0.24 88.6661 201 UTICA GRP 105,469 106,521 127.87 226.21 0.23 88.8962 1346 AMERICAN SAFETY HOLDING GRP 103,911 124,152 15.60 29.63 0.22 89.1163 920 UNITED AMER IND GRP 97,179 113,620 2.97 12.89 0.21 89.3264 3494 JAMES RIVER GRP 96,011 112,482 51.52 68.44 0.21 89.5365 213 ERIE INS GRP 91,679 89,944 25.84 23.42 0.20 89.73




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 248 UNITED FIRE & CAS GRP 90,044 93,076 46.96 60.97 0.19 89.9267 4636 MAX CAPITAL GRP 89,001 78,344 87.49 98.89 0.19 90.1168 2538 AMTRUST FINANCIAL SERV GRP 86,288 90,891 50.84 61.42 0.19 90.3069 11268 ICI MUT INS CO RRG 83,656 85,645 62.43 63.57 0.18 90.4870 256 NEW YORK MARINE & GEN GRP 78,806 75,866 36.27 54.19 0.17 90.6571 33499 DORINCO REINS CO 74,510 81,873 47.81 110.81 0.16 90.8172 124 AMERISURE CO GRP 74,357 79,279 41.67 73.37 0.16 90.9773 14184 ACUITY A MUT INS CO 73,544 75,017 39.96 48.82 0.16 91.1374 271 PENNSYLVANIA NATL INS GRP 70,580 74,180 52.79 73.51 0.15 91.2975 517 HANNOVER GRP 70,005 65,032 57.21 131.57 0.15 91.4476 253 HARLEYSVILLE GRP 67,789 68,820 41.20 50.67 0.15 91.5877 291 MOTORISTS MUT GRP 66,477 66,175 43.65 64.19 0.14 91.7378 408 AMERICAN NATL FIN GRP 61,908 77,289 58.51 63.65 0.13 91.8679 36340 CAMICO MUT INS CO 60,751 69,113 73.53 108.70 0.13 91.9980 169 SENTRY INS GRP 57,636 61,344 54.71 42.42 0.12 92.1281 15792 UNDERWRITERS AT LLOYDS LONDON 56,001 55,026 0.60 42.04 0.12 92.2482 350 GENERAL ELECTRIC GRP 55,053 55,053 87.85 87.85 0.12 92.3683 474 FCCI MUT INS GRP 52,733 52,493 25.12 29.46 0.11 92.4784 11118 FEDERATED RURAL ELECTRIC INS EXCH 50,532 50,020 86.00 115.73 0.11 92.5885 10174 BAR VERMONT RRG INC 50,039 45,046 100.54 138.08 0.11 92.6986 3098 TOKIO MARINE HOLDINGS INC GRP 48,324 50,971 39.99 87.38 0.10 92.7987 3589 MAXUM SPECIALTY INS GRP 46,890 45,716 23.02 36.09 0.10 92.9088 36706 LAWYERS MUT INS CO 44,420 45,641 27.94 49.57 0.10 92.9989 4662 ARIEL HOLDINGS GROUP 44,119 30,342 50.56 65.26 0.10 93.0990 3478 HALLMARK FIN SERV GRP 43,289 23,270 36.09 44.86 0.09 93.1891 3911 STRICKLAND INS GRP 43,007 47,457 -11.20 41.61 0.09 93.2792 34843 NEW YORK SCHOOLS INS RECIP 42,237 43,138 29.36 59.36 0.09 93.3793 518 GRINNELL MUT GRP 40,860 39,751 35.99 43.44 0.09 93.4594 37621 TOYOTA MOTOR INS CO 40,442 51,490 78.78 78.78 0.09 93.5495 178 NATIONWIDE FUND GRP 39,947 38,239 63.92 85.79 0.09 93.6396 2978 MITSUI SUMITOMO INS GRP 39,789 40,479 40.61 53.67 0.09 93.7197 3299 AJK HOLDINGS GRP 39,546 42,193 43.04 72.42 0.09 93.8098 50 COUNTRY INS & FIN SERV GRP 38,157 38,815 25.23 27.89 0.08 93.8899 32450 ATTORNEYS LIAB PROTECTION SOC RRG 37,161 37,325 49.64 84.56 0.08 93.96100 241 METROPOLITAN GRP 36,951 36,057 59.40 59.81 0.08 94.04101 225 IAT REINS CO GRP 36,597 38,652 42.49 49.29 0.08 94.12102 11117 MARATHON FIN INS CO INC RRG 36,001 9,662 43.05 43.05 0.08 94.20103 867 BALDWIN & LYONS GRP 35,800 35,890 23.41 23.87 0.08 94.28104 28 AMICA MUT GRP 35,583 34,625 40.55 41.76 0.08 94.35105 35904 HEALTH CARE IND INC 35,149 35,149 133.82 133.82 0.08 94.43106 10717 ASPEN SPECIALTY INS CO 33,458 11,672 220.32 285.76 0.07 94.50107 749 SCOR GRP 32,815 31,930 97.41 100.70 0.07 94.57108 42234 MINNESOTA LAWYERS MUT INS CO 32,605 32,569 33.92 68.23 0.07 94.64109 12866 T H E INS CO 30,952 31,415 65.93 77.18 0.07 94.71110 2698 PROASSURANCE CORP GRP 29,849 24,959 75.20 130.21 0.06 94.77111 36 CENTRAL MUT INS CO GRP 29,637 29,682 44.24 49.43 0.06 94.84112 483 SOUTHERN FARM BUREAU CAS GRP 29,400 29,055 56.40 66.70 0.06 94.90113 4670 STARR GRP 29,310 10,169 194.63 207.17 0.06 94.97114 4359 HOUSING AUTHORITY PROP GRP 28,823 29,333 -15.03 -21.99 0.06 95.03115 41394 BENCHMARK INS CO 25,669 26,907 34.55 42.28 0.06 95.08116 586 ARBELLA INS GRP 25,595 25,188 35.23 38.89 0.06 95.14117 161 TOPA EQUITIES LTD GRP 25,238 27,285 27.90 41.01 0.05 95.19118 20690 NEW YORK MUNICIPAL INS RECIP 24,951 24,886 -5.94 29.88 0.05 95.25119 1278 CALIFORNIA STATE AUTO GRP 24,691 22,768 45.64 49.45 0.05 95.30120 968 AXA INS GRP 24,669 28,273 3.06 15.79 0.05 95.35121 309 WESTERN NATL MUT 24,490 23,711 35.83 39.27 0.05 95.41122 14974 PENNSYLVANIA LUMBERMENS MUT INS 24,461 24,081 17.50 17.21 0.05 95.46123 23 BCS INS GRP 23,952 23,366 29.72 45.29 0.05 95.51124 36331 TEXAS LAWYERS INS EXCH 23,780 25,040 36.71 52.15 0.05 95.56125 22 ANDOVER GRP 23,672 23,834 39.97 51.01 0.05 95.61

**INDUSTRY TOTAL** 46,239,067 47,900,717 53.17 65.88 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 12 AMERICAN INTL GRP 48,132 58,119 54.11 68.05 10.26 10.262 3548 TRAVELERS GRP 35,995 37,869 53.23 68.40 7.67 17.933 212 ZURICH INS GRP 28,765 30,421 74.12 80.57 6.13 24.064 1285 XL AMER GRP 22,724 19,948 314.24 329.05 4.84 28.905 38 CHUBB & SON INC GRP 19,483 22,850 30.25 48.88 4.15 33.056 218 CNA INS GRP 18,896 19,206 122.40 152.52 4.03 37.087 626 ACE LTD GRP 14,032 15,056 -15.64 -14.58 2.99 40.078 140 NATIONWIDE CORP GRP 12,932 13,096 46.06 59.25 2.76 42.829 271 PENNSYLVANIA NATL INS GRP 12,330 13,372 29.07 40.77 2.63 45.4510 244 CINCINNATI FIN GRP 12,070 12,159 -2.57 5.03 2.57 48.02

**STATE TOTAL** 469,290 489,968 58.83 69.34 100.00 100.00. .

Alaska 1 38733 ALASKA NATL INS CO 14,772 15,548 12.78 18.24 12.13 12.132 12 AMERICAN INTL GRP 12,288 13,026 3.96 26.61 10.09 22.223 785 MARKEL CORP GRP 9,190 9,605 35.08 44.02 7.55 29.764 212 ZURICH INS GRP 8,503 7,896 20.81 20.53 6.98 36.745 111 LIBERTY MUT GRP 6,260 6,155 7.61 11.37 5.14 41.886 3548 TRAVELERS GRP 6,133 6,699 10.74 10.64 5.04 46.927 38 CHUBB & SON INC GRP 5,717 5,641 83.16 108.86 4.69 51.618 98 WR BERKLEY CORP GRP 4,594 4,745 25.01 35.14 3.77 55.399 457 ARGONAUT GRP 4,361 3,752 582.06 591.54 3.58 58.9710 218 CNA INS GRP 3,960 3,588 13.77 53.39 3.25 62.22

**STATE TOTAL** 121,795 121,103 39.53 43.87 100.00 100.00. .

Arizona 1 12 AMERICAN INTL GRP 69,533 96,770 195.48 205.94 11.70 11.702 212 ZURICH INS GRP 59,317 61,244 75.96 89.06 9.98 21.673 3548 TRAVELERS GRP 32,943 36,368 20.97 25.49 5.54 27.224 38 CHUBB & SON INC GRP 26,058 28,117 40.62 74.20 4.38 31.605 626 ACE LTD GRP 24,107 25,657 47.74 67.92 4.06 35.656 140 NATIONWIDE CORP GRP 23,244 24,926 20.78 24.41 3.91 39.567 218 CNA INS GRP 19,076 19,237 71.37 90.81 3.21 42.778 111 LIBERTY MUT GRP 18,665 17,874 100.52 131.20 3.14 45.919 1285 XL AMER GRP 17,408 17,759 75.73 91.95 2.93 48.8410 176 STATE FARM GRP 17,322 17,243 23.81 24.56 2.91 51.76

**STATE TOTAL** 594,473 657,520 67.72 80.59 100.00 100.00. .

Arkansas 1 12 AMERICAN INTL GRP 53,520 80,454 110.97 127.50 19.38 19.382 3548 TRAVELERS GRP 18,352 18,610 -18.01 5.29 6.65 26.033 218 CNA INS GRP 17,616 17,480 28.98 39.55 6.38 32.414 626 ACE LTD GRP 16,610 17,894 55.19 46.07 6.02 38.425 212 ZURICH INS GRP 13,353 12,166 -8.05 1.40 4.84 43.266 483 SOUTHERN FARM BUREAU CAS GRP 8,896 8,486 57.59 64.80 3.22 46.487 38 CHUBB & SON INC GRP 7,720 8,438 46.53 52.09 2.80 49.288 140 NATIONWIDE CORP GRP 7,456 7,210 30.98 37.37 2.70 51.989 111 LIBERTY MUT GRP 6,600 7,066 38.17 34.19 2.39 54.3710 244 CINCINNATI FIN GRP 6,450 6,543 83.10 90.29 2.34 56.70

**STATE TOTAL** 276,124 310,493 44.80 50.29 100.00 100.00. .

California 1 12 AMERICAN INTL GRP 804,676 968,992 90.61 110.49 14.15 14.152 212 ZURICH INS GRP 356,499 375,811 76.43 108.54 6.27 20.423 626 ACE LTD GRP 322,790 333,425 44.91 56.26 5.68 26.094 38 CHUBB & SON INC GRP 298,068 313,382 57.68 79.48 5.24 31.335 3548 TRAVELERS GRP 283,168 301,152 43.67 58.18 4.98 36.316 111 LIBERTY MUT GRP 259,095 261,653 30.67 55.15 4.56 40.867 218 CNA INS GRP 191,371 184,752 102.18 137.75 3.36 44.238 1285 XL AMER GRP 183,590 203,890 109.50 126.05 3.23 47.469 140 NATIONWIDE CORP GRP 175,940 166,157 48.46 64.87 3.09 50.5510 761 ALLIANZ INS GRP 160,295 181,321 57.41 83.02 2.82 53.37

**STATE TOTAL** 5,687,753 6,028,552 58.97 81.44 100.00 100.00. .

Colorado 1 12 AMERICAN INTL GRP 144,443 148,404 40.19 48.92 16.90 16.902 212 ZURICH INS GRP 77,247 71,091 65.16 75.86 9.04 25.943 3548 TRAVELERS GRP 69,909 71,560 29.29 39.59 8.18 34.114 626 ACE LTD GRP 38,867 42,562 40.94 38.04 4.55 38.665 38 CHUBB & SON INC GRP 38,750 40,304 17.22 18.21 4.53 43.19




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 218 CNA INS GRP 32,454 33,329 51.76 68.10 3.80 46.997 1285 XL AMER GRP 30,474 30,801 22.58 37.98 3.57 50.568 111 LIBERTY MUT GRP 25,070 25,114 38.97 48.88 2.93 53.499 140 NATIONWIDE CORP GRP 21,895 22,946 32.09 36.63 2.56 56.0510 91 HARTFORD FIRE & CAS GRP 21,336 24,306 -24.89 -17.12 2.50 58.55

**STATE TOTAL** 854,787 879,568 38.07 48.38 100.00 100.00. .

Connecticut 1 12 AMERICAN INTL GRP 102,415 111,786 105.31 129.69 12.61 12.612 38 CHUBB & SON INC GRP 70,346 73,445 71.54 74.93 8.66 21.263 3548 TRAVELERS GRP 65,766 66,155 -15.89 6.50 8.09 29.364 212 ZURICH INS GRP 58,478 58,027 192.62 219.04 7.20 36.565 626 ACE LTD GRP 45,673 41,012 33.19 47.37 5.62 42.186 218 CNA INS GRP 45,591 46,348 37.69 72.55 5.61 47.797 111 LIBERTY MUT GRP 43,304 43,938 103.05 116.58 5.33 53.128 1285 XL AMER GRP 37,842 38,383 13.21 19.43 4.66 57.789 91 HARTFORD FIRE & CAS GRP 31,955 33,838 17.08 -45.36 3.93 61.7110 140 NATIONWIDE CORP GRP 20,908 19,403 63.99 68.82 2.57 64.29

**STATE TOTAL** 812,441 814,632 58.47 72.80 100.00 100.00. .

Delaware 1 19 ASSURANT INC GRP 53,056 53,056 28.60 28.60 23.58 23.582 84 AMERICAN FINANCIAL GRP 28,463 23,533 38.85 41.09 12.65 36.233 12 AMERICAN INTL GRP 20,022 20,272 63.46 63.16 8.90 45.134 212 ZURICH INS GRP 10,461 10,030 9.56 8.67 4.65 49.785 218 CNA INS GRP 9,899 9,508 107.27 120.46 4.40 54.186 44148 ARCHITECTS & ENGINEERS INS CO RRG 9,649 8,044 81.00 81.00 4.29 58.477 3548 TRAVELERS GRP 7,810 11,166 -133.65 -107.44 3.47 61.948 140 NATIONWIDE CORP GRP 6,836 6,502 57.64 53.61 3.04 64.979 626 ACE LTD GRP 6,449 6,590 -210.22 -355.91 2.87 67.8410 38 CHUBB & SON INC GRP 6,285 7,159 193.05 179.59 2.79 70.63

**STATE TOTAL** 225,005 225,873 28.03 29.68 100.00 100.00. .

District of Columbia 1 12 AMERICAN INTL GRP 46,966 47,397 105.40 123.03 15.39 15.392 10639 ATTORNEYS LIAB ASSUR SOCIETY INC RRG 35,816 35,804 7.26 7.87 11.74 27.133 38 CHUBB & SON INC GRP 30,464 31,385 19.71 21.77 9.98 37.124 3548 TRAVELERS GRP 19,315 19,121 23.56 42.79 6.33 43.455 218 CNA INS GRP 15,693 17,092 66.25 77.30 5.14 48.596 626 ACE LTD GRP 14,448 14,217 161.85 172.78 4.74 53.337 212 ZURICH INS GRP 12,282 12,994 50.59 60.63 4.03 57.358 111 LIBERTY MUT GRP 11,321 9,891 90.33 113.74 3.71 61.069 761 ALLIANZ INS GRP 11,274 10,906 12.69 6.74 3.70 64.7610 1285 XL AMER GRP 11,125 11,491 38.31 44.77 3.65 68.41

**STATE TOTAL** 305,100 302,395 51.29 62.91 100.00 100.00. .

Florida 1 12 AMERICAN INTL GRP 306,903 365,604 61.41 73.84 12.56 12.562 3548 TRAVELERS GRP 137,407 141,652 37.82 52.19 5.62 18.193 626 ACE LTD GRP 137,300 136,067 40.48 29.42 5.62 23.814 218 CNA INS GRP 136,688 148,055 66.32 85.89 5.60 29.405 212 ZURICH INS GRP 106,165 110,054 138.59 153.50 4.35 33.756 140 NATIONWIDE CORP GRP 101,895 105,794 57.74 70.96 4.17 37.927 38 CHUBB & SON INC GRP 87,845 94,823 29.98 37.66 3.60 41.528 111 LIBERTY MUT GRP 86,818 86,976 32.67 40.82 3.55 45.079 280 AUTO OWNERS GRP 69,105 71,293 33.31 42.22 2.83 47.9010 1285 XL AMER GRP 66,980 68,020 51.47 66.05 2.74 50.64

**STATE TOTAL** 2,442,856 2,569,596 49.35 60.50 100.00 100.00. .

Georgia 1 12 AMERICAN INTL GRP 178,029 200,470 54.77 63.86 16.50 16.502 212 ZURICH INS GRP 90,883 94,138 62.96 66.83 8.42 24.923 3548 TRAVELERS GRP 70,555 71,701 21.12 31.17 6.54 31.464 38 CHUBB & SON INC GRP 59,790 66,634 -2.07 29.09 5.54 37.005 626 ACE LTD GRP 53,269 54,585 52.71 42.33 4.94 41.936 218 CNA INS GRP 53,124 53,257 87.45 121.39 4.92 46.857 1285 XL AMER GRP 37,783 35,280 63.23 80.53 3.50 50.368 140 NATIONWIDE CORP GRP 28,340 29,001 50.16 58.75 2.63 52.989 111 LIBERTY MUT GRP 24,367 26,664 41.74 53.52 2.26 55.2410 176 STATE FARM GRP 23,426 22,149 62.10 76.64 2.17 57.41




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 1,079,201 1,128,410 44.27 54.51 100.00 100.00. .

Hawaii 1 12 AMERICAN INTL GRP 28,454 33,268 54.07 73.36 11.74 11.742 218 CNA INS GRP 26,107 27,410 51.40 88.99 10.77 22.513 106 ISLAND INS CO GRP 16,526 17,354 25.66 30.85 6.82 29.334 626 ACE LTD GRP 14,033 14,156 20.51 17.98 5.79 35.125 212 ZURICH INS GRP 11,963 13,539 119.46 122.20 4.94 40.056 98 WR BERKLEY CORP GRP 11,175 12,684 -5.33 20.32 4.61 44.667 3548 TRAVELERS GRP 10,037 10,363 33.25 50.09 4.14 48.808 140 NATIONWIDE CORP GRP 9,718 9,777 11.84 13.23 4.01 52.819 761 ALLIANZ INS GRP 8,479 8,979 -5.60 -9.01 3.50 56.3110 111 LIBERTY MUT GRP 7,220 7,724 59.71 84.88 2.98 59.29

**STATE TOTAL** 242,395 256,853 36.92 49.49 100.00 100.00. .

Idaho 1 12 AMERICAN INTL GRP 15,359 19,552 -11.32 -3.91 11.82 11.822 111 LIBERTY MUT GRP 10,078 9,793 8.62 3.35 7.76 19.583 3548 TRAVELERS GRP 7,579 8,250 135.20 152.03 5.84 25.424 212 ZURICH INS GRP 7,109 7,316 -3.37 -2.41 5.47 30.895 218 CNA INS GRP 6,456 6,312 35.92 92.81 4.97 35.866 140 NATIONWIDE CORP GRP 5,258 5,309 25.29 37.85 4.05 39.917 38 CHUBB & SON INC GRP 4,807 4,910 220.21 334.35 3.70 43.618 244 CINCINNATI FIN GRP 4,593 4,362 42.31 47.81 3.54 47.159 842 FARM BUREAU GRP 3,445 3,401 7.18 8.08 2.65 49.8010 626 ACE LTD GRP 2,811 4,408 -41.72 -13.58 2.16 51.96

**STATE TOTAL** 129,889 139,624 32.34 43.21 100.00 100.00. .

Illinois 1 12 AMERICAN INTL GRP 387,366 772,796 89.38 96.43 16.19 16.192 212 ZURICH INS GRP 191,697 157,663 70.19 100.68 8.01 24.213 38 CHUBB & SON INC GRP 159,927 166,247 32.35 43.44 6.69 30.894 3548 TRAVELERS GRP 138,829 140,927 25.25 40.98 5.80 36.705 626 ACE LTD GRP 98,379 103,819 111.57 118.73 4.11 40.816 218 CNA INS GRP 93,850 94,204 94.42 118.53 3.92 44.737 111 LIBERTY MUT GRP 67,086 68,129 39.32 27.99 2.80 47.548 176 STATE FARM GRP 61,985 60,140 85.43 88.76 2.59 50.139 350 GENERAL ELECTRIC GRP 61,054 61,054 95.52 95.52 2.55 52.6810 761 ALLIANZ INS GRP 59,221 62,899 83.74 88.99 2.48 55.16

**STATE TOTAL** 2,391,990 2,756,552 61.74 73.18 100.00 100.00. .

Indiana 1 12 AMERICAN INTL GRP 71,742 77,255 17.58 31.04 11.31 11.312 3548 TRAVELERS GRP 46,835 46,954 66.26 82.62 7.38 18.703 212 ZURICH INS GRP 33,167 31,849 66.52 80.04 5.23 23.934 38 CHUBB & SON INC GRP 32,268 33,649 7.00 11.76 5.09 29.015 244 CINCINNATI FIN GRP 29,255 29,566 33.46 45.33 4.61 33.636 111 LIBERTY MUT GRP 29,247 28,633 44.04 55.89 4.61 38.247 218 CNA INS GRP 24,813 23,626 67.24 85.20 3.91 42.158 626 ACE LTD GRP 23,294 24,774 18.41 44.73 3.67 45.829 1285 XL AMER GRP 18,006 18,915 72.19 84.32 2.84 48.6610 140 NATIONWIDE CORP GRP 16,150 16,396 66.33 78.83 2.55 51.21

**STATE TOTAL** 634,235 637,556 49.14 62.72 100.00 100.00. .

Iowa 1 12 AMERICAN INTL GRP 53,363 58,786 84.32 95.74 11.61 11.612 3548 TRAVELERS GRP 51,831 51,354 31.14 37.93 11.28 22.893 62 EMC INS CO GRP 30,154 30,594 47.82 73.49 6.56 29.454 140 NATIONWIDE CORP GRP 22,313 22,525 23.27 25.92 4.86 34.315 212 ZURICH INS GRP 18,823 19,178 156.63 181.74 4.10 38.406 38 CHUBB & SON INC GRP 16,562 17,810 29.79 25.40 3.60 42.017 518 GRINNELL MUT GRP 15,876 15,705 30.13 33.03 3.45 45.468 244 CINCINNATI FIN GRP 14,161 14,168 -6.77 -2.55 3.08 48.549 626 ACE LTD GRP 12,174 12,056 16.29 19.91 2.65 51.1910 218 CNA INS GRP 12,012 11,129 40.86 51.04 2.61 53.80

**STATE TOTAL** 459,579 460,522 44.21 52.79 100.00 100.00. .

Kansas 1 12 AMERICAN INTL GRP 36,073 40,357 58.49 76.79 11.46 11.462 3548 TRAVELERS GRP 29,732 30,232 46.23 57.17 9.45 20.913 212 ZURICH INS GRP 19,731 20,302 121.37 142.39 6.27 27.18




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 62 EMC INS CO GRP 17,661 17,316 17.33 24.38 5.61 32.795 218 CNA INS GRP 16,425 14,956 46.58 62.72 5.22 38.006 626 ACE LTD GRP 12,188 12,534 71.39 114.46 3.87 41.887 84 AMERICAN FINANCIAL GRP 11,465 11,938 29.86 39.14 3.64 45.528 38 CHUBB & SON INC GRP 11,382 11,958 119.18 133.64 3.62 49.149 140 NATIONWIDE CORP GRP 10,954 11,134 38.53 45.36 3.48 52.6210 1285 XL AMER GRP 8,849 8,299 61.93 70.05 2.81 55.43

**STATE TOTAL** 314,754 319,916 59.28 70.99 100.00 100.00. .

Kentucky 1 12 AMERICAN INTL GRP 39,755 42,319 -51.49 -52.02 11.00 11.002 3548 TRAVELERS GRP 28,348 29,729 38.23 42.59 7.84 18.843 38 CHUBB & SON INC GRP 19,896 20,785 37.26 43.64 5.50 24.344 111 LIBERTY MUT GRP 19,692 19,855 67.84 110.96 5.45 29.795 218 CNA INS GRP 16,330 17,139 102.58 131.80 4.52 34.316 244 CINCINNATI FIN GRP 16,183 15,746 24.17 28.93 4.48 38.787 32727 UNDERWRITERS AT LLOYDS 13,763 14,439 45.26 59.35 3.81 42.598 212 ZURICH INS GRP 13,031 11,923 9.87 12.00 3.60 46.199 626 ACE LTD GRP 12,894 12,367 -125.49 -58.75 3.57 49.7610 140 NATIONWIDE CORP GRP 8,395 8,404 31.44 30.25 2.32 52.08

**STATE TOTAL** 361,520 368,721 22.79 34.26 100.00 100.00. .

Louisiana 1 12 AMERICAN INTL GRP 103,121 106,095 35.39 51.86 14.47 14.472 3548 TRAVELERS GRP 71,591 71,917 26.15 37.45 10.05 24.523 218 CNA INS GRP 42,949 41,295 64.59 94.11 6.03 30.554 212 ZURICH INS GRP 41,713 46,104 22.45 16.65 5.85 36.405 626 ACE LTD GRP 36,032 35,123 121.93 -182.50 5.06 41.466 140 NATIONWIDE CORP GRP 29,622 30,814 43.90 67.84 4.16 45.627 111 LIBERTY MUT GRP 26,096 27,405 73.90 111.96 3.66 49.288 457 ARGONAUT GRP 16,724 17,301 -52.13 -45.35 2.35 51.639 1285 XL AMER GRP 15,786 16,936 28.32 38.09 2.22 53.8410 176 STATE FARM GRP 15,709 15,191 131.46 137.71 2.20 56.05

**STATE TOTAL** 712,512 720,879 49.30 50.82 100.00 100.00. .

Maine 1 3548 TRAVELERS GRP 10,090 9,756 44.96 60.68 8.02 8.022 12 AMERICAN INTL GRP 9,812 11,532 -52.12 -57.46 7.80 15.823 111 LIBERTY MUT GRP 8,517 8,343 0.02 8.76 6.77 22.584 98 WR BERKLEY CORP GRP 7,440 7,266 -23.82 -23.41 5.91 28.505 38 CHUBB & SON INC GRP 6,642 6,632 39.33 47.04 5.28 33.786 1129 WHITE MOUNTAINS GRP 6,095 6,073 6.30 9.22 4.84 38.627 218 CNA INS GRP 5,688 5,471 51.02 65.22 4.52 43.148 31 BERKSHIRE HATHAWAY GRP 4,400 4,602 17.23 26.44 3.50 46.649 88 THE HANOVER INS GRP 3,620 3,616 -10.43 0.93 2.88 49.5110 626 ACE LTD GRP 3,607 3,239 -70.43 6.35 2.87 52.38

**STATE TOTAL** 125,835 125,473 12.97 24.62 100.00 100.00. .

Maryland 1 12 AMERICAN INTL GRP 60,458 132,968 40.13 49.05 8.81 8.812 212 ZURICH INS GRP 53,334 54,888 45.56 61.95 7.77 16.583 38 CHUBB & SON INC GRP 49,293 50,571 35.47 44.11 7.18 23.764 218 CNA INS GRP 48,841 48,096 35.76 52.13 7.11 30.875 3548 TRAVELERS GRP 42,915 45,345 17.66 43.15 6.25 37.126 626 ACE LTD GRP 28,915 29,459 3.87 -88.58 4.21 41.347 140 NATIONWIDE CORP GRP 25,992 25,855 34.02 43.12 3.79 45.128 111 LIBERTY MUT GRP 25,514 25,291 87.14 99.85 3.72 48.849 91 HARTFORD FIRE & CAS GRP 24,998 27,698 305.22 363.79 3.64 52.4810 1285 XL AMER GRP 19,469 22,789 53.84 57.85 2.84 55.32

**STATE TOTAL** 686,450 778,317 54.33 64.02 100.00 100.00. .

Massachusetts 1 12 AMERICAN INTL GRP 228,616 252,398 49.05 48.39 16.46 16.462 3548 TRAVELERS GRP 103,186 108,386 37.33 54.09 7.43 23.903 38 CHUBB & SON INC GRP 100,528 103,955 25.05 38.28 7.24 31.134 212 ZURICH INS GRP 82,083 77,154 67.23 76.19 5.91 37.055 218 CNA INS GRP 73,228 68,805 128.48 148.31 5.27 42.326 626 ACE LTD GRP 65,498 64,320 47.71 56.64 4.72 47.047 111 LIBERTY MUT GRP 56,318 59,034 66.82 159.11 4.06 51.098 1285 XL AMER GRP 41,920 44,761 26.27 33.99 3.02 54.11




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 98 WR BERKLEY CORP GRP 39,448 39,874 -4.73 3.83 2.84 56.9510 91 HARTFORD FIRE & CAS GRP 35,231 40,877 33.98 33.70 2.54 59.49

**STATE TOTAL** 1,388,578 1,411,398 43.63 55.21 100.00 100.00. .

Michigan 1 12 AMERICAN INTL GRP 167,237 166,752 71.11 68.48 14.76 14.762 212 ZURICH INS GRP 68,478 81,288 54.84 79.33 6.04 20.803 33499 DORINCO REINS CO 68,187 76,351 51.27 118.74 6.02 26.824 38 CHUBB & SON INC GRP 67,697 73,602 30.75 44.55 5.97 32.795 3548 TRAVELERS GRP 57,217 61,886 -1.56 -0.09 5.05 37.846 218 CNA INS GRP 44,676 46,430 23.46 39.65 3.94 41.797 1285 XL AMER GRP 42,832 37,473 27.04 32.76 3.78 45.578 626 ACE LTD GRP 41,807 43,958 16.90 43.32 3.69 49.269 280 AUTO OWNERS GRP 32,599 32,387 21.60 21.84 2.88 52.1310 91 HARTFORD FIRE & CAS GRP 28,741 27,450 -67.37 -107.55 2.54 54.67

**STATE TOTAL** 1,133,116 1,149,173 35.61 46.61 100.00 100.00. .

Minnesota 1 12 AMERICAN INTL GRP 113,779 126,452 53.23 63.14 13.75 13.752 3548 TRAVELERS GRP 55,540 56,912 80.35 100.29 6.71 20.463 38 CHUBB & SON INC GRP 54,904 56,640 57.41 61.21 6.64 27.104 212 ZURICH INS GRP 50,110 50,532 38.59 50.28 6.06 33.165 626 ACE LTD GRP 38,999 32,981 -68.31 -141.47 4.71 37.876 218 CNA INS GRP 34,193 33,062 65.07 77.05 4.13 42.007 176 STATE FARM GRP 21,672 20,970 51.94 53.72 2.62 44.628 111 LIBERTY MUT GRP 20,868 20,834 32.70 29.78 2.52 47.149 1285 XL AMER GRP 20,867 24,097 60.39 66.27 2.52 49.6710 98 WR BERKLEY CORP GRP 17,239 16,222 2.06 6.77 2.08 51.75

**STATE TOTAL** 827,387 834,594 34.67 39.89 100.00 100.00. .

Mississippi 1 3548 TRAVELERS GRP 33,766 34,033 16.14 33.31 13.04 13.042 12 AMERICAN INTL GRP 25,723 30,089 33.50 45.06 9.93 22.973 212 ZURICH INS GRP 18,501 18,788 36.22 31.29 7.14 30.114 111 LIBERTY MUT GRP 13,532 12,532 111.80 199.64 5.23 35.345 218 CNA INS GRP 13,129 14,610 78.71 109.25 5.07 40.416 626 ACE LTD GRP 12,478 12,152 59.21 58.84 4.82 45.237 38 CHUBB & SON INC GRP 11,482 11,669 21.50 25.04 4.43 49.668 140 NATIONWIDE CORP GRP 9,601 9,738 90.13 111.43 3.71 53.379 483 SOUTHERN FARM BUREAU CAS GRP 6,578 6,525 56.96 67.49 2.54 55.9110 98 WR BERKLEY CORP GRP 6,335 6,251 -7.66 14.52 2.45 58.35

**STATE TOTAL** 258,979 269,503 46.21 63.57 100.00 100.00. .

Missouri 1 218 CNA INS GRP 211,158 215,039 52.33 54.49 22.76 22.762 12 AMERICAN INTL GRP 108,490 106,690 34.60 50.96 11.70 34.463 3548 TRAVELERS GRP 47,751 49,532 66.42 83.40 5.15 39.614 212 ZURICH INS GRP 47,654 52,806 121.01 137.67 5.14 44.745 626 ACE LTD GRP 47,609 50,779 82.24 83.38 5.13 49.886 38 CHUBB & SON INC GRP 43,482 46,228 12.40 13.91 4.69 54.567 111 LIBERTY MUT GRP 25,268 26,461 23.39 28.17 2.72 57.298 140 NATIONWIDE CORP GRP 17,887 18,274 38.07 43.51 1.93 59.229 91 HARTFORD FIRE & CAS GRP 17,210 19,217 63.38 72.63 1.86 61.0710 3569 CATERPILLAR GRP 16,196 14,490 98.44 98.44 1.75 62.82

**STATE TOTAL** 927,598 943,353 53.82 63.70 100.00 100.00. .

Montana 1 3548 TRAVELERS GRP 12,886 12,897 19.26 24.37 11.28 11.282 12 AMERICAN INTL GRP 8,046 9,579 294.84 308.87 7.04 18.323 111 LIBERTY MUT GRP 6,613 6,371 49.00 60.76 5.79 24.114 244 CINCINNATI FIN GRP 5,557 5,648 100.60 109.18 4.86 28.985 212 ZURICH INS GRP 5,293 4,632 30.48 43.30 4.63 33.616 218 CNA INS GRP 5,235 5,161 86.44 104.25 4.58 38.197 62 EMC INS CO GRP 5,123 5,312 14.12 9.90 4.48 42.688 140 NATIONWIDE CORP GRP 3,974 4,097 102.97 108.48 3.48 46.169 38 CHUBB & SON INC GRP 3,216 3,350 64.63 15.99 2.82 48.9710 32450 ATTORNEYS LIAB PROTECTION SOC RRG 2,890 2,897 164.10 135.26 2.53 51.50

**STATE TOTAL** 114,234 114,160 94.47 104.97 100.00 100.00. .

Nebraska 1 12 AMERICAN INTL GRP 26,999 26,725 138.34 146.95 11.11 11.11




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 212 ZURICH INS GRP 24,877 23,130 58.50 76.09 10.24 21.363 3548 TRAVELERS GRP 16,943 16,395 20.75 37.43 6.97 28.334 38 CHUBB & SON INC GRP 10,815 10,902 18.52 34.25 4.45 32.785 62 EMC INS CO GRP 10,578 10,481 40.79 52.56 4.35 37.146 218 CNA INS GRP 10,039 10,482 192.33 214.31 4.13 41.277 626 ACE LTD GRP 9,659 9,955 24.22 11.93 3.98 45.258 140 NATIONWIDE CORP GRP 9,014 8,619 17.52 19.84 3.71 48.969 176 STATE FARM GRP 7,659 7,556 62.62 62.77 3.15 52.1110 98 WR BERKLEY CORP GRP 5,216 5,193 16.33 22.33 2.15 54.26

**STATE TOTAL** 242,919 243,027 53.78 61.41 100.00 100.00. .

Nevada 1 12 AMERICAN INTL GRP 56,268 82,454 130.17 149.59 17.73 17.732 212 ZURICH INS GRP 22,936 19,782 174.45 177.30 7.23 24.963 3548 TRAVELERS GRP 18,152 19,978 10.34 8.86 5.72 30.684 626 ACE LTD GRP 17,352 22,013 44.22 44.79 5.47 36.155 111 LIBERTY MUT GRP 12,069 12,740 61.21 89.37 3.80 39.966 38 CHUBB & SON INC GRP 11,457 11,902 47.51 70.69 3.61 43.577 140 NATIONWIDE CORP GRP 11,048 11,401 31.98 38.91 3.48 47.058 1285 XL AMER GRP 9,818 10,556 16.39 28.21 3.09 50.159 218 CNA INS GRP 9,436 10,229 93.58 126.83 2.97 53.1210 176 STATE FARM GRP 7,130 7,083 4.23 7.17 2.25 55.37

**STATE TOTAL** 317,282 368,100 63.45 83.51 100.00 100.00. .

New Hampshire 1 12 AMERICAN INTL GRP 18,801 21,305 -14.91 -23.35 11.70 11.702 111 LIBERTY MUT GRP 13,200 12,814 312.69 321.96 8.22 19.923 212 ZURICH INS GRP 11,774 9,916 40.53 52.01 7.33 27.254 3548 TRAVELERS GRP 9,408 9,627 19.20 25.80 5.86 33.105 98 WR BERKLEY CORP GRP 9,177 9,413 -11.80 -5.82 5.71 38.826 38 CHUBB & SON INC GRP 8,077 8,702 9.17 61.64 5.03 43.847 218 CNA INS GRP 5,964 5,990 25.36 33.79 3.71 47.568 91 HARTFORD FIRE & CAS GRP 4,216 5,017 237.22 -30.47 2.62 50.189 140 NATIONWIDE CORP GRP 4,107 4,079 36.75 40.08 2.56 52.7410 31 BERKSHIRE HATHAWAY GRP 3,924 3,833 0.08 13.14 2.44 55.18

**STATE TOTAL** 160,659 164,949 47.65 51.12 100.00 100.00. .

New Jersey 1 12 AMERICAN INTL GRP 280,266 305,536 56.64 72.12 14.15 14.152 212 ZURICH INS GRP 144,901 150,879 76.37 99.21 7.32 21.473 626 ACE LTD GRP 135,772 134,452 36.31 55.31 6.86 28.334 38 CHUBB & SON INC GRP 126,820 132,588 62.69 75.59 6.40 34.735 3548 TRAVELERS GRP 96,517 98,235 28.88 47.35 4.87 39.616 218 CNA INS GRP 89,128 86,890 65.01 81.18 4.50 44.117 111 LIBERTY MUT GRP 71,479 72,938 51.66 84.45 3.61 47.728 242 SELECTIVE INS GRP 71,202 75,144 55.39 68.39 3.60 51.329 1285 XL AMER GRP 60,309 60,262 25.56 39.45 3.05 54.3610 91 HARTFORD FIRE & CAS GRP 56,659 61,208 34.86 -6.32 2.86 57.22

**STATE TOTAL** 1,980,074 1,999,994 48.18 62.90 100.00 100.00. .

New Mexico 1 3548 TRAVELERS GRP 24,006 24,479 56.57 56.00 13.74 13.742 12 AMERICAN INTL GRP 14,750 15,893 53.08 108.36 8.44 22.193 218 CNA INS GRP 12,315 11,942 39.95 69.95 7.05 29.244 212 ZURICH INS GRP 11,831 12,044 34.82 37.76 6.77 36.015 111 LIBERTY MUT GRP 7,353 7,563 80.77 76.88 4.21 40.226 140 NATIONWIDE CORP GRP 6,285 6,885 27.59 29.43 3.60 43.827 1285 XL AMER GRP 6,032 6,097 53.32 69.22 3.45 47.278 626 ACE LTD GRP 5,344 5,344 -4.73 0.06 3.06 50.339 98 WR BERKLEY CORP GRP 5,115 5,565 64.22 93.21 2.93 53.2610 677 PHILADELPHIA CONSOLIDATED HOLDING GR 4,434 4,240 28.48 33.57 2.54 55.80

**STATE TOTAL** 174,681 182,064 48.65 65.36 100.00 100.00. .

New York 1 12 AMERICAN INTL GRP 852,693 1,012,357 101.00 118.88 16.25 16.252 212 ZURICH INS GRP 452,225 431,511 80.16 78.80 8.62 24.863 38 CHUBB & SON INC GRP 343,417 338,063 20.15 28.71 6.54 31.404 3548 TRAVELERS GRP 303,351 312,105 61.60 74.44 5.78 37.185 626 ACE LTD GRP 251,000 253,768 23.91 46.64 4.78 41.966 1285 XL AMER GRP 248,671 239,628 78.78 84.38 4.74 46.70




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 218 CNA INS GRP 194,320 196,165 110.30 130.25 3.70 50.408 111 LIBERTY MUT GRP 177,122 197,791 39.57 64.29 3.37 53.789 140 NATIONWIDE CORP GRP 141,982 144,734 71.06 84.56 2.71 56.4810 984 HCC INS HOLDINGS GRP 125,891 116,901 110.95 117.88 2.40 58.88

**STATE TOTAL** 5,248,869 5,444,875 70.37 86.58 100.00 100.00. .

North Carolina 1 12 AMERICAN INTL GRP 102,347 129,360 73.76 85.62 11.95 11.952 3548 TRAVELERS GRP 60,389 61,344 10.39 30.29 7.05 19.013 212 ZURICH INS GRP 50,402 50,390 63.79 74.72 5.89 24.894 1285 XL AMER GRP 45,492 48,154 39.33 44.50 5.31 30.215 140 NATIONWIDE CORP GRP 39,551 40,332 37.70 41.88 4.62 34.836 626 ACE LTD GRP 35,292 38,280 64.78 69.82 4.12 38.957 38 CHUBB & SON INC GRP 34,377 36,204 13.52 10.45 4.02 42.968 218 CNA INS GRP 32,304 32,679 46.63 58.62 3.77 46.749 111 LIBERTY MUT GRP 25,478 23,897 -83.31 -87.19 2.98 49.7110 244 CINCINNATI FIN GRP 23,626 24,473 -21.93 -16.67 2.76 52.47

**STATE TOTAL** 856,196 889,652 41.61 50.05 100.00 100.00. .

North Dakota 1 1120 EVEREST REINS HOLDINGS GRP 9,547 4,510 55.12 72.56 10.31 10.312 3548 TRAVELERS GRP 8,384 8,893 -1.12 4.45 9.05 19.363 12 AMERICAN INTL GRP 5,055 6,418 50.61 64.67 5.46 24.814 62 EMC INS CO GRP 3,422 3,368 0.11 -6.21 3.69 28.515 38 CHUBB & SON INC GRP 3,388 3,381 -40.76 85.77 3.66 32.176 212 ZURICH INS GRP 3,101 3,240 22.34 15.35 3.35 35.517 244 CINCINNATI FIN GRP 2,963 2,905 7.58 14.17 3.20 38.718 218 CNA INS GRP 2,775 2,759 17.47 18.61 3.00 41.719 84 AMERICAN FINANCIAL GRP 2,676 2,677 8.42 9.61 2.89 44.6010 111 LIBERTY MUT GRP 2,639 2,362 39.74 49.15 2.85 47.45

**STATE TOTAL** 92,629 85,787 28.68 40.70 100.00 100.00. .

Ohio 1 12 AMERICAN INTL GRP 271,579 237,321 38.64 49.86 19.81 19.812 244 CINCINNATI FIN GRP 94,269 95,156 38.14 47.39 6.88 26.693 38 CHUBB & SON INC GRP 93,286 98,224 22.21 52.30 6.81 33.494 3548 TRAVELERS GRP 85,125 89,343 -6.30 5.08 6.21 39.705 212 ZURICH INS GRP 64,525 68,929 42.98 44.59 4.71 44.416 218 CNA INS GRP 57,619 58,661 123.26 158.12 4.20 48.617 626 ACE LTD GRP 49,303 50,183 73.98 58.07 3.60 52.218 1285 XL AMER GRP 47,930 52,604 49.30 58.82 3.50 55.719 111 LIBERTY MUT GRP 36,776 40,087 83.30 106.26 2.68 58.3910 140 NATIONWIDE CORP GRP 35,381 36,212 47.10 52.68 2.58 60.97

**STATE TOTAL** 1,370,797 1,362,196 46.12 55.61 100.00 100.00. .

Oklahoma 1 12 AMERICAN INTL GRP 85,857 90,765 90.16 117.89 20.92 20.922 3548 TRAVELERS GRP 32,947 32,615 79.82 91.61 8.03 28.943 84 AMERICAN FINANCIAL GRP 26,734 28,259 10.59 21.12 6.51 35.464 212 ZURICH INS GRP 21,818 22,233 120.82 124.45 5.32 40.775 38 CHUBB & SON INC GRP 20,227 21,289 -146.39 -143.80 4.93 45.706 111 LIBERTY MUT GRP 15,955 16,344 27.12 23.36 3.89 49.597 218 CNA INS GRP 15,597 16,298 75.72 86.14 3.80 53.398 626 ACE LTD GRP 12,609 14,340 168.12 85.18 3.07 56.469 23663 NATIONAL AMER INS CO 10,164 10,658 51.60 55.10 2.48 58.9310 39411 OKLAHOMA ATTORNEYS MUT INS CO 9,068 8,875 20.94 48.72 2.21 61.14

**STATE TOTAL** 410,467 425,917 55.08 63.99 100.00 100.00. .

Oregon 1 111 LIBERTY MUT GRP 41,505 39,825 37.54 43.72 10.30 10.302 212 ZURICH INS GRP 32,399 31,558 40.09 45.44 8.04 18.333 12 AMERICAN INTL GRP 26,996 34,315 17.67 20.31 6.70 25.034 38 CHUBB & SON INC GRP 26,669 27,491 30.32 33.36 6.62 31.655 3548 TRAVELERS GRP 25,704 24,704 23.37 46.11 6.38 38.026 218 CNA INS GRP 16,702 15,534 137.02 158.59 4.14 42.177 176 STATE FARM GRP 14,938 14,784 50.51 52.56 3.71 45.878 140 NATIONWIDE CORP GRP 13,155 13,119 24.98 29.66 3.26 49.149 1285 XL AMER GRP 12,268 10,412 21.61 26.44 3.04 52.1810 626 ACE LTD GRP 10,811 11,542 34.48 110.67 2.68 54.86

**STATE TOTAL** 403,103 423,408 57.20 71.66 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%



2 626 ACE LTD GRP 144,359 148,977 -67.90 -50.50 7.41 21.723 212 ZURICH INS GRP 142,122 147,456 47.34 59.44 7.29 29.014 3548 TRAVELERS GRP 133,738 156,640 66.87 97.23 6.86 35.875 38 CHUBB & SON INC GRP 115,136 118,341 60.98 59.64 5.91 41.786 218 CNA INS GRP 72,829 71,751 34.02 50.35 3.74 45.527 111 LIBERTY MUT GRP 71,106 72,887 66.38 86.51 3.65 49.168 140 NATIONWIDE CORP GRP 54,738 54,981 52.69 61.61 2.81 51.979 1285 XL AMER GRP 51,881 59,452 40.28 51.31 2.66 54.6310 242 SELECTIVE INS GRP 37,024 38,598 59.96 68.93 1.90 56.53

**STATE TOTAL** 1,948,884 2,002,566 41.52 54.48 100.00 100.00. .

Rhode Island 1 212 ZURICH INS GRP 28,552 27,483 25.29 37.48 15.17 15.172 12 AMERICAN INTL GRP 23,889 26,139 47.93 60.39 12.69 27.853 626 ACE LTD GRP 11,881 12,197 16.00 94.17 6.31 34.164 38 CHUBB & SON INC GRP 11,037 11,945 30.55 31.48 5.86 40.035 3548 TRAVELERS GRP 10,625 11,047 21.35 59.30 5.64 45.676 111 LIBERTY MUT GRP 10,567 10,592 30.77 138.35 5.61 51.287 218 CNA INS GRP 7,076 6,920 12.35 23.14 3.76 55.048 91 HARTFORD FIRE & CAS GRP 5,379 5,549 -46.93 15.19 2.86 57.909 1285 XL AMER GRP 5,332 6,436 83.09 88.80 2.83 60.7310 140 NATIONWIDE CORP GRP 4,451 4,599 36.09 43.11 2.36 63.09

**STATE TOTAL** 188,273 191,610 44.56 68.18 100.00 100.00. .

South Carolina 1 11117 MARATHON FIN INS CO INC RRG 36,001 8,634 40.37 40.37 9.32 9.322 3548 TRAVELERS GRP 27,366 25,812 49.33 57.93 7.09 16.413 12 AMERICAN INTL GRP 24,783 28,215 14.78 20.99 6.42 22.834 212 ZURICH INS GRP 22,321 23,400 59.90 67.35 5.78 28.615 218 CNA INS GRP 22,064 22,593 39.44 64.57 5.71 34.326 140 NATIONWIDE CORP GRP 16,124 16,872 79.55 95.26 4.18 38.497 111 LIBERTY MUT GRP 14,133 14,806 5.22 10.93 3.66 42.158 38 CHUBB & SON INC GRP 13,775 14,100 22.35 25.64 3.57 45.729 91 HARTFORD FIRE & CAS GRP 10,507 10,904 124.35 190.32 2.72 48.4410 280 AUTO OWNERS GRP 9,076 8,849 16.96 23.69 2.35 50.79

**STATE TOTAL** 386,180 368,262 45.68 59.45 100.00 100.00. .

South Dakota 1 12 AMERICAN INTL GRP 7,479 7,958 31.97 46.47 8.48 8.482 3548 TRAVELERS GRP 6,429 6,499 15.65 24.04 7.29 15.763 212 ZURICH INS GRP 5,076 5,194 6.99 11.54 5.75 21.524 14184 ACUITY A MUT INS CO 3,511 3,562 53.22 78.78 3.98 25.505 38 CHUBB & SON INC GRP 3,509 3,885 70.32 99.25 3.98 29.486 218 CNA INS GRP 3,323 2,876 129.83 148.55 3.77 33.247 140 NATIONWIDE CORP GRP 3,154 3,205 8.16 10.26 3.58 36.828 248 UNITED FIRE & CAS GRP 2,891 2,765 37.67 41.73 3.28 40.109 244 CINCINNATI FIN GRP 2,558 2,835 75.50 80.56 2.90 42.9910 176 STATE FARM GRP 2,500 2,467 55.09 54.54 2.83 45.83

**STATE TOTAL** 88,218 89,000 29.71 38.24 100.00 100.00. .

Tennessee 1 12 AMERICAN INTL GRP 83,680 94,145 42.77 49.33 13.16 13.162 3548 TRAVELERS GRP 38,159 37,422 36.37 43.51 6.00 19.173 218 CNA INS GRP 36,149 32,437 58.32 74.34 5.69 24.854 35904 HEALTH CARE IND INC 35,149 35,149 133.82 133.82 5.53 30.385 212 ZURICH INS GRP 31,062 28,622 120.26 111.35 4.89 35.276 626 ACE LTD GRP 30,275 28,888 203.95 210.26 4.76 40.037 38 CHUBB & SON INC GRP 30,253 32,541 93.70 99.58 4.76 44.798 111 LIBERTY MUT GRP 23,101 22,267 10.28 12.83 3.63 48.429 1285 XL AMER GRP 19,517 19,370 93.73 101.59 3.07 51.4910 140 NATIONWIDE CORP GRP 17,651 17,851 37.89 45.31 2.78 54.27

**STATE TOTAL** 635,730 642,890 59.41 66.04 100.00 100.00. .

Texas 1 12 AMERICAN INTL GRP 658,150 776,742 49.14 61.51 19.33 19.332 3548 TRAVELERS GRP 258,191 264,776 27.37 42.11 7.58 26.923 212 ZURICH INS GRP 225,424 249,008 37.20 45.75 6.62 33.544 626 ACE LTD GRP 175,399 185,600 62.61 57.90 5.15 38.69




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 38 CHUBB & SON INC GRP 151,195 158,655 36.58 40.70 4.44 43.146 111 LIBERTY MUT GRP 121,281 126,333 44.73 55.74 3.56 46.707 1285 XL AMER GRP 105,366 113,067 28.88 38.65 3.10 49.798 140 NATIONWIDE CORP GRP 88,193 88,766 35.25 42.52 2.59 52.389 84 AMERICAN FINANCIAL GRP 84,441 90,294 4.14 14.70 2.48 54.8710 98 WR BERKLEY CORP GRP 83,421 82,865 34.56 55.80 2.45 57.32

**STATE TOTAL** 3,404,037 3,600,463 41.18 50.88 100.00 100.00. .

Utah 1 361 MUNICH RE GRP 41,440 41,414 111.99 115.14 13.59 13.592 12 AMERICAN INTL GRP 35,954 37,514 48.93 58.36 11.79 25.383 3548 TRAVELERS GRP 30,087 32,179 27.43 35.61 9.87 35.254 212 ZURICH INS GRP 23,882 21,123 24.37 26.52 7.83 43.085 626 ACE LTD GRP 11,842 10,253 28.40 36.20 3.88 46.966 111 LIBERTY MUT GRP 11,705 12,123 74.51 81.92 3.84 50.807 140 NATIONWIDE CORP GRP 9,365 9,035 -6.66 4.29 3.07 53.878 38 CHUBB & SON INC GRP 9,039 8,504 20.12 18.21 2.96 56.839 1285 XL AMER GRP 8,880 9,122 42.00 50.59 2.91 59.7510 84 AMERICAN FINANCIAL GRP 8,590 8,308 18.33 29.77 2.82 62.56

**STATE TOTAL** 304,948 307,126 39.45 47.32 100.00 100.00. .

Vermont 1 12 AMERICAN INTL GRP 19,225 20,147 -23.33 -20.86 20.27 20.272 111 LIBERTY MUT GRP 5,390 5,117 34.09 28.62 5.68 25.963 3548 TRAVELERS GRP 5,387 6,098 37.97 70.38 5.68 31.644 98 WR BERKLEY CORP GRP 4,707 4,725 -6.49 0.11 4.96 36.605 244 CINCINNATI FIN GRP 3,531 3,392 -1.15 4.12 3.72 40.326 38 CHUBB & SON INC GRP 3,403 3,609 -1.00 -4.52 3.59 43.917 218 CNA INS GRP 3,152 3,055 44.49 68.73 3.32 47.238 212 ZURICH INS GRP 3,029 2,934 68.16 70.82 3.19 50.439 140 NATIONWIDE CORP GRP 2,373 2,257 110.19 112.37 2.50 52.9310 31 BERKSHIRE HATHAWAY GRP 2,093 2,161 -43.01 -35.31 2.21 55.14

**STATE TOTAL** 94,837 98,476 14.61 24.36 100.00 100.00. .

Virginia 1 12 AMERICAN INTL GRP 127,912 146,030 50.36 51.61 13.41 13.412 212 ZURICH INS GRP 76,469 80,788 34.32 36.09 8.01 21.423 38 CHUBB & SON INC GRP 59,456 64,037 25.01 37.74 6.23 27.654 3548 TRAVELERS GRP 59,036 59,119 16.63 33.94 6.19 33.845 626 ACE LTD GRP 49,267 44,459 58.32 35.20 5.16 39.006 218 CNA INS GRP 47,583 48,604 34.18 44.04 4.99 43.997 140 NATIONWIDE CORP GRP 35,956 35,722 43.18 46.54 3.77 47.768 1285 XL AMER GRP 34,715 39,656 36.12 37.31 3.64 51.399 91 HARTFORD FIRE & CAS GRP 28,633 33,615 49.34 59.85 3.00 54.3910 111 LIBERTY MUT GRP 28,446 27,680 64.74 77.19 2.98 57.38

**STATE TOTAL** 954,190 981,536 38.21 43.71 100.00 100.00. .

Washington 1 12 AMERICAN INTL GRP 88,273 105,306 110.03 124.50 10.56 10.562 111 LIBERTY MUT GRP 75,526 81,440 3.85 20.17 9.04 19.603 212 ZURICH INS GRP 54,421 55,496 112.76 123.13 6.51 26.114 38 CHUBB & SON INC GRP 47,039 49,099 39.07 68.03 5.63 31.735 3548 TRAVELERS GRP 44,514 53,384 74.57 91.89 5.33 37.066 218 CNA INS GRP 40,665 40,238 77.61 104.87 4.86 41.927 626 ACE LTD GRP 37,098 41,127 82.02 111.82 4.44 46.368 140 NATIONWIDE CORP GRP 30,795 28,757 31.46 37.20 3.68 50.059 1285 XL AMER GRP 19,274 22,558 52.68 65.29 2.31 52.3510 19 ASSURANT INC GRP 17,908 24,082 53.78 53.83 2.14 54.49

**STATE TOTAL** 835,900 899,224 57.89 73.29 100.00 100.00. .

West Virginia 1 12 AMERICAN INTL GRP 49,101 48,748 29.58 46.88 25.38 25.382 3548 TRAVELERS GRP 24,207 24,953 74.33 108.18 12.51 37.903 212 ZURICH INS GRP 10,198 7,902 67.57 100.30 5.27 43.174 140 NATIONWIDE CORP GRP 9,122 9,190 48.81 57.51 4.72 47.895 38 CHUBB & SON INC GRP 6,292 6,836 26.67 3.77 3.25 51.146 228 WESTFIELD GRP 5,650 5,488 41.35 48.65 2.92 54.067 1285 XL AMER GRP 5,102 5,680 24.84 17.66 2.64 56.708 111 LIBERTY MUT GRP 4,370 4,709 23.28 65.96 2.26 58.969 175 STATE AUTO MUT GRP 4,119 4,185 36.81 59.54 2.13 61.09




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 244 CINCINNATI FIN GRP 4,013 3,895 44.13 58.10 2.07 63.16**STATE TOTAL** 193,429 195,469 50.93 71.31 100.00 100.00

. .Wisconsin 1 12 AMERICAN INTL GRP 83,534 83,686 29.99 38.18 10.96 10.96

2 1243 WEST BEND MUT GRP 46,621 44,724 28.33 34.91 6.12 17.083 38 CHUBB & SON INC GRP 45,236 46,796 42.32 64.25 5.94 23.024 212 ZURICH INS GRP 42,745 43,539 54.47 67.70 5.61 28.635 3548 TRAVELERS GRP 40,866 42,016 51.96 60.21 5.36 33.996 473 AMERICAN FAMILY INS GRP 35,655 34,615 68.71 69.62 4.68 38.677 218 CNA INS GRP 32,706 31,443 72.19 91.27 4.29 42.978 626 ACE LTD GRP 29,440 27,880 6.30 32.05 3.86 46.839 111 LIBERTY MUT GRP 26,352 25,225 78.26 48.23 3.46 50.2910 14184 ACUITY A MUT INS CO 21,798 22,041 3.66 -22.52 2.86 53.15

**STATE TOTAL** 761,920 747,512 41.84 48.95 100.00 100.00. .

Wyoming 1 3548 TRAVELERS GRP 16,733 19,043 58.54 63.67 21.04 21.042 12 AMERICAN INTL GRP 6,753 6,834 29.00 41.56 8.49 29.533 62 EMC INS CO GRP 4,635 5,073 7.17 23.19 5.83 35.354 111 LIBERTY MUT GRP 4,036 4,147 5.46 21.45 5.07 40.435 212 ZURICH INS GRP 3,853 3,890 133.73 155.65 4.84 45.276 140 NATIONWIDE CORP GRP 2,759 2,746 45.91 53.18 3.47 48.747 218 CNA INS GRP 2,548 2,688 30.52 37.64 3.20 51.948 150 OLD REPUBLIC GRP 2,158 2,212 25.21 41.66 2.71 54.669 84 AMERICAN FINANCIAL GRP 2,003 2,750 -1.15 0.02 2.52 57.1710 98 WR BERKLEY CORP GRP 1,989 2,302 64.17 69.56 2.50 59.67

**STATE TOTAL** 79,546 83,971 45.67 54.98 100.00 100.00. .

American Samoa **STATE TOTAL** 0 0 N/A N/A N/A 100.00. .

Guam 1 18380 PACIFIC IND INS CO 1,763 1,692 3.02 9.85 27.63 27.632 4672 DONGBU INS GRP 1,265 1,329 13.26 16.33 19.83 47.463 13597 CHUNG KUO INS CO LTD 1,089 1,107 41.72 49.54 17.06 64.524 10020 UNITED EDUCATORS INS RRG INC 361 356 12.91 24.10 5.65 70.175 785 MARKEL CORP GRP 314 285 20.51 30.10 4.92 75.096 10972 FIRST NET INS CO 305 317 33.58 39.43 4.78 79.877 98 WR BERKLEY CORP GRP 283 238 -25.78 -52.39 4.44 84.318 12633 CENTURY INS CO GU LTD 227 166 -2.09 -2.09 3.55 87.869 626 ACE LTD GRP 217 256 10.24 14.34 3.41 91.2610 1285 XL AMER GRP 182 61 36.19 12.88 2.85 94.11

**STATE TOTAL** 6,381 6,074 12.55 18.77 100.00 100.00. .

Puerto Rico 1 12 AMERICAN INTL GRP 35,174 38,507 65.39 73.84 21.86 21.862 626 ACE LTD GRP 29,971 28,933 -3.65 3.68 18.63 40.493 218 CNA INS GRP 12,207 13,220 13.78 16.56 7.59 48.084 40568 TRIPLE S PROPIEDAD INC 12,015 9,793 26.76 35.43 7.47 55.545 71 UNIVERSAL INS CO GRP 12,014 11,824 9.85 21.26 7.47 63.016 411 MAPFRE INS GRP 10,899 11,142 75.30 90.83 6.77 69.787 111 LIBERTY MUT GRP 10,835 11,291 48.44 63.43 6.73 76.528 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 9,161 9,232 25.70 37.93 5.69 82.219 343 NATIONAL INS CO GRP 5,872 7,067 41.34 59.85 3.65 85.8610 26778 INTEGRAND ASSUR CO 4,632 4,977 20.03 30.85 2.88 88.74

**STATE TOTAL** 160,897 162,838 33.97 45.30 100.00 100.00. .

U.S. Virgin Islands 1 626 ACE LTD GRP 2,803 2,672 -2.77 12.27 19.01 19.012 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 2,312 2,331 11.40 12.75 15.68 34.683 111 LIBERTY MUT GRP 2,284 2,298 37.88 46.90 15.49 50.174 161 TOPA EQUITIES LTD GRP 1,677 1,646 36.29 42.24 11.37 61.545 17779 GUARDIAN INS CO INC 878 881 2.47 2.47 5.96 67.506 98 WR BERKLEY CORP GRP 767 735 103.18 142.12 5.20 72.707 32450 ATTORNEYS LIAB PROTECTION SOC RRG 724 739 19.92 -86.37 4.91 77.608 218 CNA INS GRP 457 423 130.71 148.63 3.10 80.709 12588 PRIME INS CO 434 415 43.31 82.43 2.94 83.6410 3617 FIRST MERCURY FIN GRP 432 295 77.85 65.57 2.93 86.57

**STATE TOTAL** 14,747 13,940 22.29 36.71 100.00 100.00. .




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


N. Mariana Islands 1 4672 DONGBU INS GRP 131 146 87.91 99.30 59.41 59.412 32450 ATTORNEYS LIAB PROTECTION SOC RRG 49 53 0.02 -7.31 22.28 81.693 98 WR BERKLEY CORP GRP 15 5 77.99 116.14 6.79 88.484 10972 FIRST NET INS CO 13 22 0.00 0.00 5.86 94.34

**STATE TOTAL** 221 244 76.89 84.03 100.00 100.00. .

Canada 1 218 CNA INS GRP 115,179 116,934 51.27 59.57 26.18 26.182 111 LIBERTY MUT GRP 83,635 83,802 45.51 62.31 19.01 45.193 1285 XL AMER GRP 39,102 42,537 59.08 77.09 8.89 54.084 181 SWISS RE GRP 33,368 33,718 16.51 21.92 7.58 61.665 3548 TRAVELERS GRP 28,200 28,339 -13.01 1.54 6.41 68.076 176 STATE FARM GRP 27,869 28,149 23.59 24.78 6.33 74.407 1279 ARCH INS GRP 23,448 21,351 0.84 2.91 5.33 79.738 84 AMERICAN FINANCIAL GRP 22,653 21,730 67.00 70.70 5.15 84.889 761 ALLIANZ INS GRP 20,386 19,471 180.90 186.97 4.63 89.5110 19 ASSURANT INC GRP 16,589 8,517 43.24 43.24 3.77 93.29

**STATE TOTAL** 439,972 422,512 42.58 51.65 100.00 100.00. .

Aggregate Other Alien 1 12 AMERICAN INTL GRP 351,224 157,979 408.55 478.36 38.80 38.802 111 LIBERTY MUT GRP 108,190 95,528 45.57 58.29 11.95 50.753 158 FAIRFAX FIN GRP 87,200 74,471 49.13 56.86 9.63 60.394 38 CHUBB & SON INC GRP 73,273 73,633 75.71 77.25 8.09 68.485 3569 CATERPILLAR GRP 66,907 39,151 71.94 71.94 7.39 75.876 626 ACE LTD GRP 51,292 53,310 929.57 1044.31 5.67 81.547 3548 TRAVELERS GRP 35,421 37,489 35.97 45.97 3.91 85.458 212 ZURICH INS GRP 23,102 39,146 -75.51 -556.29 2.55 88.009 984 HCC INS HOLDINGS GRP 17,711 17,727 -5.61 -10.61 1.96 89.9610 31 BERKSHIRE HATHAWAY GRP 13,750 13,428 108.19 108.19 1.52 91.48

**STATE TOTAL** 905,203 682,330 174.48 176.57 100.00 100.00. .




17.3— Excess Workers’ Compensation



States, U.S. Territories, Canada, and Aggregate Other Alien17.3-Excess workers' Compensation



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 74 DELPHI FIN GRP 274,322 268,484 77.34 77.92 29.98 29.982 12 AMERICAN INTL GRP 110,048 119,253 49.89 51.50 12.03 42.003 626 ACE LTD GRP 108,816 120,425 40.56 56.06 11.89 53.894 111 LIBERTY MUT GRP 76,917 83,644 98.92 104.69 8.41 62.305 212 ZURICH INS GRP 42,686 46,485 77.90 83.58 4.66 66.966 1346 AMERICAN SAFETY HOLDING GRP 42,359 28,585 1.45 2.56 4.63 71.597 84 AMERICAN FINANCIAL GRP 37,849 38,143 46.34 47.31 4.14 75.738 256 NEW YORK MARINE & GEN GRP 34,865 32,260 46.45 52.16 3.81 79.549 3548 TRAVELERS GRP 32,794 32,388 38.03 44.39 3.58 83.1210 1208 GRAY INS GRP 32,301 32,101 50.98 54.26 3.53 86.6511 1279 ARCH INS GRP 30,648 33,662 72.54 74.91 3.35 90.0012 748 MEADOWBROOK INS GRP 29,427 29,268 50.88 66.79 3.22 93.2213 150 OLD REPUBLIC GRP 14,533 14,267 324.59 336.20 1.59 94.8014 1285 XL AMER GRP 9,344 9,408 95.99 102.47 1.02 95.8315 88 THE HANOVER INS GRP 6,240 6,875 -2.44 -1.79 0.68 96.5116 38 CHUBB & SON INC GRP 4,629 4,515 22.27 19.79 0.51 97.0117 572 BCBS OF MI GRP 3,856 3,865 339.08 339.08 0.42 97.4318 361 MUNICH RE GRP 3,739 3,575 90.81 93.15 0.41 97.8419 91 HARTFORD FIRE & CAS GRP 3,266 3,739 2369.61 2635.66 0.36 98.2020 867 BALDWIN & LYONS GRP 3,024 3,024 -156.07 -160.57 0.33 98.5321 40134 CASTLEPOINT NATL INS CO 2,781 2,747 -22.83 3.05 0.30 98.8322 11118 FEDERATED RURAL ELECTRIC INS EXCH 2,398 2,389 44.89 44.89 0.26 99.1023 169 SENTRY INS GRP 2,176 2,491 69.49 83.68 0.24 99.3324 181 SWISS RE GRP 1,576 1,540 8880.55 10437.94 0.17 99.5125 3098 TOKIO MARINE HOLDINGS INC GRP 1,425 1,661 65.82 66.69 0.16 99.6626 244 CINCINNATI FIN GRP 1,318 1,297 -476.45 -505.39 0.14 99.8127 2978 MITSUI SUMITOMO INS GRP 811 1,061 62.00 63.65 0.09 99.90

**INDUSTRY TOTAL** 915,108 927,636 56.67 60.17 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 74 DELPHI FIN GRP 2,605 2,336 193.76 195.31 20.10 20.102 1208 GRAY INS GRP 2,098 1,868 71.34 75.92 16.19 36.293 111 LIBERTY MUT GRP 2,064 1,027 -243.40 -240.35 15.92 52.214 256 NEW YORK MARINE & GEN GRP 1,510 1,509 52.14 58.39 11.65 63.865 12 AMERICAN INTL GRP 1,451 1,574 37.45 38.76 11.19 75.056 626 ACE LTD GRP 1,387 1,403 41.64 64.15 10.70 85.757 1279 ARCH INS GRP 475 436 45.17 52.59 3.67 89.428 3098 TOKIO MARINE HOLDINGS INC GRP 411 473 77.09 80.26 3.17 92.599 748 MEADOWBROOK INS GRP 243 240 98.75 141.39 1.88 94.4710 150 OLD REPUBLIC GRP 239 261 -146.92 -133.00 1.84 96.31

**STATE TOTAL** 12,960 11,610 224.24 220.66 100.00 100.00. .

Alaska 1 212 ZURICH INS GRP 3,101 2,856 55.42 64.90 45.86 45.862 12 AMERICAN INTL GRP 1,189 1,106 46.36 47.98 17.58 63.443 111 LIBERTY MUT GRP 839 616 107.73 124.03 12.41 75.854 626 ACE LTD GRP 641 723 36.23 47.21 9.48 85.335 1279 ARCH INS GRP 439 544 59.22 60.70 6.50 91.836 1285 XL AMER GRP 316 316 55.54 61.10 4.68 96.50

**STATE TOTAL** 6,762 6,302 68.43 71.04 100.00 100.00. .

Arizona 1 74 DELPHI FIN GRP 3,046 2,721 47.93 48.56 45.00 45.002 626 ACE LTD GRP 2,644 2,801 27.57 36.85 39.07 84.073 12 AMERICAN INTL GRP 579 638 41.32 42.77 8.56 92.634 3548 TRAVELERS GRP 228 186 -182.67 -211.87 3.37 96.005 111 LIBERTY MUT GRP 213 194 417.00 420.25 3.15 99.15

**STATE TOTAL** 6,768 8,296 74.59 64.87 100.00 100.00. .

Arkansas 1 74 DELPHI FIN GRP 2,073 2,177 1.09 1.37 72.38 72.38**STATE TOTAL** 2,863 4,343 -47.22 -69.46 100.00 100.00

. .California 1 1346 AMERICAN SAFETY HOLDING GRP 40,545 27,218 0.17 0.29 20.11 20.11

2 74 DELPHI FIN GRP 32,710 29,005 42.45 43.11 16.22 36.333 12 AMERICAN INTL GRP 32,640 36,404 58.34 59.99 16.19 52.514 626 ACE LTD GRP 23,855 27,641 44.51 60.02 11.83 64.345 111 LIBERTY MUT GRP 16,244 16,766 110.77 117.56 8.06 72.406 84 AMERICAN FINANCIAL GRP 12,849 13,162 38.42 40.82 6.37 78.777 1279 ARCH INS GRP 10,921 12,847 56.80 58.90 5.42 84.198 212 ZURICH INS GRP 9,403 10,298 78.43 84.25 4.66 88.859 256 NEW YORK MARINE & GEN GRP 5,233 4,640 40.37 45.29 2.60 91.4410 3548 TRAVELERS GRP 4,868 4,622 89.25 91.30 2.41 93.86

**STATE TOTAL** 201,651 195,399 31.81 35.09 100.00 100.00. .

Colorado 1 74 DELPHI FIN GRP 3,559 3,442 114.43 114.96 38.03 38.032 256 NEW YORK MARINE & GEN GRP 1,785 1,596 -2.58 3.52 19.07 57.113 84 AMERICAN FINANCIAL GRP 927 804 113.62 116.49 9.90 67.014 12 AMERICAN INTL GRP 643 667 44.96 46.54 6.87 73.885 111 LIBERTY MUT GRP 589 596 96.42 102.00 6.30 80.186 212 ZURICH INS GRP 509 480 -10.55 -5.93 5.44 85.627 626 ACE LTD GRP 409 608 9.86 27.58 4.37 89.998 1279 ARCH INS GRP 319 290 59.55 61.04 3.41 93.399 150 OLD REPUBLIC GRP 182 270 144.33 147.86 1.95 95.3410 3548 TRAVELERS GRP 170 137 -227.39 -236.52 1.82 97.16

**STATE TOTAL** 9,357 9,170 -32.68 -40.75 100.00 100.00. .

Connecticut 1 74 DELPHI FIN GRP 7,070 7,323 34.48 34.85 53.21 53.212 84 AMERICAN FINANCIAL GRP 2,216 2,194 50.00 50.00 16.68 69.893 3548 TRAVELERS GRP 1,025 1,038 281.54 298.90 7.71 77.604 256 NEW YORK MARINE & GEN GRP 876 534 60.21 67.35 6.59 84.205 626 ACE LTD GRP 839 1,274 -69.10 -59.54 6.32 90.516 12 AMERICAN INTL GRP 811 816 43.64 45.16 6.11 96.627 212 ZURICH INS GRP 272 227 19.78 22.67 2.04 98.66

**STATE TOTAL** 13,286 13,722 119.96 125.30 100.00 100.00. .

Delaware 1 74 DELPHI FIN GRP 461 456 145.68 145.85 58.70 58.702 212 ZURICH INS GRP 97 97 48.45 55.84 12.38 71.08




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


3 12 AMERICAN INTL GRP 95 191 43.41 44.93 12.12 83.214 626 ACE LTD GRP 95 103 -24.86 -11.89 12.10 95.315 111 LIBERTY MUT GRP 12 12 -2688.48 -2685.94 1.55 96.866 3548 TRAVELERS GRP 11 29 164.75 458.84 1.43 98.287 1285 XL AMER GRP 7 7 13.78 15.16 0.95 99.238 169 SENTRY INS GRP 3 4 40.55 44.46 0.40 99.649 150 OLD REPUBLIC GRP 2 2 -157.67 -203.66 0.23 99.87

**STATE TOTAL** 785 903 -279.39 -309.99 100.00 100.00. .

District of Columbia 1 12 AMERICAN INTL GRP 2,257 2,272 45.52 47.11 70.00 70.002 1279 ARCH INS GRP 310 292 59.37 60.86 9.62 79.623 212 ZURICH INS GRP 309 311 22.17 28.66 9.60 89.224 74 DELPHI FIN GRP 240 134 45.90 47.27 7.45 96.675 626 ACE LTD GRP 63 67 -12.20 5.58 1.95 98.626 91 HARTFORD FIRE & CAS GRP 24 173 23.02 21.40 0.73 99.35

**STATE TOTAL** 3,225 3,272 135.75 140.62 100.00 100.00. .

Florida 1 111 LIBERTY MUT GRP 14,664 16,033 125.05 132.31 26.20 26.202 748 MEADOWBROOK INS GRP 8,802 9,370 35.02 49.97 15.72 41.923 12 AMERICAN INTL GRP 7,274 7,126 59.97 62.07 12.99 54.924 1279 ARCH INS GRP 5,530 6,242 67.45 69.42 9.88 64.805 74 DELPHI FIN GRP 4,664 4,356 290.14 293.00 8.33 73.136 626 ACE LTD GRP 4,315 5,324 26.20 43.54 7.71 80.847 256 NEW YORK MARINE & GEN GRP 3,036 2,314 58.78 65.76 5.42 86.268 1346 AMERICAN SAFETY HOLDING GRP 1,814 1,367 27.01 47.78 3.24 89.509 40134 CASTLEPOINT NATL INS CO 1,098 865 96.53 152.70 1.96 91.4610 3548 TRAVELERS GRP 1,073 644 -192.31 -200.19 1.92 93.38

**STATE TOTAL** 55,976 57,508 71.35 70.66 100.00 100.00. .

Georgia 1 74 DELPHI FIN GRP 9,138 8,996 28.22 28.55 31.23 31.232 12 AMERICAN INTL GRP 6,699 6,701 50.66 52.44 22.89 54.123 626 ACE LTD GRP 5,805 6,065 28.14 40.23 19.84 73.964 84 AMERICAN FINANCIAL GRP 1,811 1,717 40.98 40.98 6.19 80.155 256 NEW YORK MARINE & GEN GRP 1,713 1,555 53.96 60.41 5.85 86.006 111 LIBERTY MUT GRP 1,009 981 211.71 217.32 3.45 89.457 150 OLD REPUBLIC GRP 777 787 17.41 15.34 2.66 92.118 3548 TRAVELERS GRP 642 605 6.74 21.81 2.20 94.309 1279 ARCH INS GRP 551 564 54.37 59.51 1.88 96.1910 748 MEADOWBROOK INS GRP 485 627 19.44 27.84 1.66 97.85

**STATE TOTAL** 29,261 29,323 -16.74 -17.51 100.00 100.00. .

Hawaii 1 1285 XL AMER GRP 1,415 1,355 36.54 40.19 34.31 34.312 74 DELPHI FIN GRP 771 760 -10.44 -9.97 18.70 53.023 626 ACE LTD GRP 694 732 29.35 40.10 16.83 69.844 256 NEW YORK MARINE & GEN GRP 336 303 54.37 60.86 8.15 77.995 12 AMERICAN INTL GRP 301 366 38.21 39.55 7.31 85.306 3548 TRAVELERS GRP 168 159 -32.60 -34.50 4.08 89.387 111 LIBERTY MUT GRP 151 147 22.64 22.17 3.66 93.048 1279 ARCH INS GRP 129 131 57.93 59.71 3.14 96.179 212 ZURICH INS GRP 107 294 30.65 37.59 2.61 98.78

**STATE TOTAL** 4,123 4,277 221.07 235.02 100.00 100.00. .

Idaho 1 74 DELPHI FIN GRP 437 608 -29.90 -29.78 44.29 44.292 111 LIBERTY MUT GRP 254 226 2616.50 2657.25 25.73 70.013 626 ACE LTD GRP 131 139 18.73 24.42 13.23 83.254 12 AMERICAN INTL GRP 111 136 35.18 36.41 11.22 94.475 1285 XL AMER GRP 35 32 21.98 24.18 3.57 98.046 212 ZURICH INS GRP 16 28 -103.73 -115.17 1.57 99.62

**STATE TOTAL** 987 1,192 640.59 566.20 100.00 100.00. .

Illinois 1 74 DELPHI FIN GRP 25,785 25,975 103.96 105.27 60.88 60.882 626 ACE LTD GRP 4,054 4,555 55.59 68.11 9.57 70.463 212 ZURICH INS GRP 3,286 2,672 69.18 74.65 7.76 78.224 12 AMERICAN INTL GRP 2,309 3,032 50.45 52.22 5.45 83.675 84 AMERICAN FINANCIAL GRP 1,973 1,803 52.39 53.07 4.66 88.33




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 111 LIBERTY MUT GRP 1,665 1,525 61.72 66.52 3.93 92.267 3548 TRAVELERS GRP 943 851 437.05 474.69 2.23 94.498 150 OLD REPUBLIC GRP 872 788 575.10 602.51 2.06 96.549 1279 ARCH INS GRP 676 741 60.56 62.08 1.60 98.1410 256 NEW YORK MARINE & GEN GRP 455 457 49.21 55.14 1.07 99.21

**STATE TOTAL** 42,352 42,770 127.36 132.02 100.00 100.00. .

Indiana 1 74 DELPHI FIN GRP 3,992 4,333 -12.92 -12.74 42.70 42.702 12 AMERICAN INTL GRP 1,509 1,741 44.40 45.95 16.14 58.843 626 ACE LTD GRP 1,323 1,722 18.70 28.42 14.15 72.984 111 LIBERTY MUT GRP 633 504 -29.77 -26.52 6.77 79.755 361 MUNICH RE GRP 603 599 103.39 106.46 6.45 86.206 150 OLD REPUBLIC GRP 375 306 347.03 368.00 4.01 90.227 3548 TRAVELERS GRP 264 276 -172.97 -180.23 2.82 93.048 212 ZURICH INS GRP 238 282 -36.16 -37.50 2.55 95.599 38 CHUBB & SON INC GRP 184 130 -50.45 -60.64 1.96 97.5510 84 AMERICAN FINANCIAL GRP 94 121 30.18 30.18 1.00 98.56

**STATE TOTAL** 9,350 10,184 58.24 60.03 100.00 100.00. .

Iowa 1 74 DELPHI FIN GRP 2,635 2,709 291.24 293.09 54.42 54.422 626 ACE LTD GRP 1,339 1,903 55.61 67.49 27.65 82.063 62 EMC INS CO GRP 312 98 66.38 93.22 6.45 88.514 169 SENTRY INS GRP 309 291 78.29 88.37 6.38 94.89

**STATE TOTAL** 4,843 5,752 177.98 186.49 100.00 100.00. .

Kansas 1 74 DELPHI FIN GRP 4,944 4,715 12.35 12.88 58.31 58.312 256 NEW YORK MARINE & GEN GRP 1,554 1,549 10.31 16.16 18.33 76.643 111 LIBERTY MUT GRP 1,060 986 102.85 110.66 12.50 89.144 626 ACE LTD GRP 676 769 -22.79 -1.96 7.97 97.115 1208 GRAY INS GRP 79 79 0.00 0.00 0.94 98.056 84 AMERICAN FINANCIAL GRP 46 46 38.73 38.73 0.54 98.597 212 ZURICH INS GRP 41 40 -51.07 -55.62 0.49 99.088 12 AMERICAN INTL GRP 30 48 40.60 42.02 0.36 99.449 3548 TRAVELERS GRP 29 20 -1399.79 -1456.90 0.34 99.78

**STATE TOTAL** 8,479 8,300 43.74 51.37 100.00 100.00. .

Kentucky 1 74 DELPHI FIN GRP 2,776 2,565 199.70 200.00 22.15 22.152 150 OLD REPUBLIC GRP 2,512 1,436 1277.36 1314.60 20.05 42.203 12 AMERICAN INTL GRP 2,070 1,684 49.50 51.24 16.52 58.724 111 LIBERTY MUT GRP 1,830 1,834 59.10 64.79 14.60 73.335 256 NEW YORK MARINE & GEN GRP 1,814 1,679 53.45 59.84 14.48 87.806 84 AMERICAN FINANCIAL GRP 635 778 31.75 31.75 5.07 92.877 2978 MITSUI SUMITOMO INS GRP 534 716 -1.52 -1.52 4.26 97.138 1279 ARCH INS GRP 190 121 69.80 71.55 1.51 98.649 361 MUNICH RE GRP 112 200 110.10 113.29 0.90 99.54

**STATE TOTAL** 12,530 11,126 85.24 78.09 100.00 100.00. .

Louisiana 1 1208 GRAY INS GRP 25,112 25,143 52.49 55.86 59.36 59.362 74 DELPHI FIN GRP 8,746 8,829 152.30 152.61 20.67 80.033 256 NEW YORK MARINE & GEN GRP 2,497 2,586 57.52 62.85 5.90 85.944 626 ACE LTD GRP 2,122 2,226 43.39 57.09 5.02 90.955 12 AMERICAN INTL GRP 1,566 1,904 27.80 28.77 3.70 94.656 3548 TRAVELERS GRP 701 666 125.13 121.36 1.66 96.317 84 AMERICAN FINANCIAL GRP 597 554 41.89 41.89 1.41 97.728 111 LIBERTY MUT GRP 499 488 5.41 32.20 1.18 98.909 150 OLD REPUBLIC GRP 161 172 -152.91 -189.05 0.38 99.2810 212 ZURICH INS GRP 140 171 -291.26 -333.83 0.33 99.61

**STATE TOTAL** 42,304 43,015 52.43 52.23 100.00 100.00. .

Maine 1 74 DELPHI FIN GRP 2,283 2,302 190.47 190.74 68.11 68.112 3548 TRAVELERS GRP 495 494 -316.34 -307.89 14.77 82.883 12 AMERICAN INTL GRP 319 334 52.92 54.78 9.53 92.414 626 ACE LTD GRP 173 153 -128.79 -94.62 5.15 97.565 111 LIBERTY MUT GRP 49 49 -591.45 -601.00 1.47 99.03

**STATE TOTAL** 3,353 3,366 70.90 72.13 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Maryland 1 74 DELPHI FIN GRP 4,848 4,624 177.78 178.31 63.34 63.34

2 212 ZURICH INS GRP 1,404 1,347 40.06 47.56 18.34 81.683 626 ACE LTD GRP 445 546 10.85 26.30 5.81 87.504 12 AMERICAN INTL GRP 251 664 36.59 37.88 3.28 90.775 256 NEW YORK MARINE & GEN GRP 212 162 50.05 56.07 2.77 93.546 91 HARTFORD FIRE & CAS GRP 182 332 976.06 1069.18 2.38 95.927 111 LIBERTY MUT GRP 108 118 -90.40 -83.93 1.42 97.348 150 OLD REPUBLIC GRP 67 67 286.48 323.19 0.88 98.219 1285 XL AMER GRP 60 57 23.12 25.43 0.78 99.0010 3548 TRAVELERS GRP 58 58 331.94 340.89 0.75 99.75

**STATE TOTAL** 7,653 8,010 96.30 102.77 100.00 100.00. .

Massachusetts 1 74 DELPHI FIN GRP 5,558 4,852 218.63 219.17 30.90 30.902 12 AMERICAN INTL GRP 3,520 4,482 43.53 45.05 19.57 50.473 111 LIBERTY MUT GRP 3,186 3,590 82.98 91.14 17.71 68.184 3548 TRAVELERS GRP 2,179 2,121 -129.66 -114.67 12.11 80.295 212 ZURICH INS GRP 1,625 1,249 40.57 48.19 9.03 89.326 256 NEW YORK MARINE & GEN GRP 739 748 46.48 52.10 4.11 93.437 626 ACE LTD GRP 714 1,049 -52.30 -38.02 3.97 97.408 1279 ARCH INS GRP 385 440 57.41 58.85 2.14 99.549 38 CHUBB & SON INC GRP 50 50 31.31 34.19 0.28 99.81

**STATE TOTAL** 17,989 18,755 110.18 120.45 100.00 100.00. .

Michigan 1 88 THE HANOVER INS GRP 6,239 6,560 -0.46 0.65 20.74 20.742 74 DELPHI FIN GRP 5,844 5,573 47.43 47.86 19.42 40.163 3548 TRAVELERS GRP 4,991 5,031 61.55 67.98 16.59 56.754 572 BCBS OF MI GRP 3,746 3,755 349.03 349.03 12.45 69.205 626 ACE LTD GRP 3,104 3,539 92.25 122.31 10.32 79.516 12 AMERICAN INTL GRP 2,431 2,162 42.03 43.50 8.08 87.597 212 ZURICH INS GRP 1,278 806 57.98 61.64 4.25 91.848 111 LIBERTY MUT GRP 973 1,316 5.25 9.53 3.23 95.089 91 HARTFORD FIRE & CAS GRP 604 599 991.05 1105.51 2.01 97.0810 150 OLD REPUBLIC GRP 408 403 -0.09 9.71 1.35 98.44

**STATE TOTAL** 30,089 30,132 114.43 123.42 100.00 100.00. .

Minnesota 1 74 DELPHI FIN GRP 822 864 -14.77 -14.50 44.28 44.282 150 OLD REPUBLIC GRP 377 380 62.37 67.01 20.30 64.593 111 LIBERTY MUT GRP 228 219 82.92 75.47 12.26 76.854 3548 TRAVELERS GRP 201 223 175.21 190.96 10.83 87.675 212 ZURICH INS GRP 115 116 24.49 28.36 6.20 93.886 626 ACE LTD GRP 56 53 -25.97 -11.72 3.01 96.887 12 AMERICAN INTL GRP 34 42 39.87 41.26 1.85 98.738 38 CHUBB & SON INC GRP 21 13 -34.84 -41.03 1.15 99.88

**STATE TOTAL** 1,857 1,912 932.37 1697.30 100.00 100.00. .

Mississippi 1 74 DELPHI FIN GRP 5,303 5,484 28.40 28.72 41.62 41.622 1208 GRAY INS GRP 2,608 2,539 28.59 30.42 20.47 62.093 12 AMERICAN INTL GRP 1,492 1,902 53.19 55.05 11.71 73.804 11118 FEDERATED RURAL ELECTRIC INS EXCH 1,240 1,230 65.39 65.39 9.73 83.535 256 NEW YORK MARINE & GEN GRP 737 371 54.12 60.58 5.78 89.316 150 OLD REPUBLIC GRP 414 479 -94.91 -94.03 3.25 92.567 111 LIBERTY MUT GRP 311 307 160.31 167.08 2.44 95.008 626 ACE LTD GRP 280 412 -20.25 0.02 2.20 97.209 212 ZURICH INS GRP 270 214 14.26 18.84 2.12 99.32

**STATE TOTAL** 12,742 13,013 -41.40 -44.91 100.00 100.00. .

Missouri 1 74 DELPHI FIN GRP 10,884 10,411 37.98 38.37 54.81 54.812 626 ACE LTD GRP 3,440 1,175 162.10 172.02 17.32 72.133 3548 TRAVELERS GRP 1,600 1,613 10.06 25.61 8.06 80.194 212 ZURICH INS GRP 1,579 1,650 20.35 24.76 7.95 88.145 12 AMERICAN INTL GRP 968 1,056 42.44 43.93 4.88 93.026 111 LIBERTY MUT GRP 838 870 49.50 55.70 4.22 97.247 1279 ARCH INS GRP 206 222 60.94 62.47 1.04 98.288 256 NEW YORK MARINE & GEN GRP 159 152 61.33 68.59 0.80 99.08




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 1208 GRAY INS GRP 83 83 29.99 31.91 0.42 99.5010 150 OLD REPUBLIC GRP 61 63 319.47 353.66 0.31 99.80

**STATE TOTAL** 19,857 17,332 3.96 1.85 100.00 100.00. .

Montana 1 212 ZURICH INS GRP 2,698 2,847 58.68 68.84 41.97 41.972 74 DELPHI FIN GRP 1,318 1,323 27.01 27.47 20.50 62.473 626 ACE LTD GRP 923 1,057 27.58 42.95 14.36 76.844 11118 FEDERATED RURAL ELECTRIC INS EXCH 596 596 17.15 17.15 9.28 86.125 150 OLD REPUBLIC GRP 277 324 41.93 37.31 4.31 90.426 84 AMERICAN FINANCIAL GRP 251 249 39.15 39.15 3.90 94.327 111 LIBERTY MUT GRP 238 224 104.12 111.30 3.71 98.038 867 BALDWIN & LYONS GRP 66 66 -454.20 -479.00 1.02 99.059 1285 XL AMER GRP 35 34 21.59 23.75 0.54 99.59

**STATE TOTAL** 6,427 6,750 37.68 37.34 100.00 100.00. .

Nebraska 1 626 ACE LTD GRP 1,653 1,817 12.36 27.42 30.31 30.312 361 MUNICH RE GRP 1,280 823 67.57 67.82 23.47 53.773 74 DELPHI FIN GRP 1,138 1,029 5.29 5.94 20.87 74.654 212 ZURICH INS GRP 511 524 35.25 41.40 9.37 84.015 12 AMERICAN INTL GRP 407 206 56.43 58.40 7.47 91.496 111 LIBERTY MUT GRP 232 229 238.08 271.95 4.25 95.747 1279 ARCH INS GRP 176 170 61.55 63.09 3.23 98.978 3548 TRAVELERS GRP 50 49 3377.18 3468.30 0.91 99.88

**STATE TOTAL** 5,454 5,193 65.79 73.26 100.00 100.00. .

Nevada 1 74 DELPHI FIN GRP 4,747 4,821 14.39 15.01 32.98 32.982 748 MEADOWBROOK INS GRP 1,660 1,654 16.42 23.50 11.54 44.523 1285 XL AMER GRP 1,601 1,454 110.29 115.79 11.12 55.644 256 NEW YORK MARINE & GEN GRP 1,453 1,919 31.23 36.57 10.10 65.745 111 LIBERTY MUT GRP 1,439 1,330 20.47 27.99 10.00 75.746 12 AMERICAN INTL GRP 1,400 1,528 40.67 42.10 9.73 85.477 626 ACE LTD GRP 1,337 1,995 54.82 77.11 9.29 94.768 3548 TRAVELERS GRP 358 355 -2.13 3.66 2.49 97.269 91 HARTFORD FIRE & CAS GRP 239 310 852.31 1124.36 1.66 98.9110 84 AMERICAN FINANCIAL GRP 119 175 26.53 26.53 0.83 99.74

**STATE TOTAL** 14,392 16,067 50.78 52.86 100.00 100.00. .

New Hampshire 1 74 DELPHI FIN GRP 946 935 -22.21 -21.76 71.94 71.942 3548 TRAVELERS GRP 176 176 179.61 184.42 13.41 85.353 626 ACE LTD GRP 59 68 -40.57 -9.07 4.48 89.834 12 AMERICAN INTL GRP 56 58 36.16 37.43 4.28 94.115 111 LIBERTY MUT GRP 32 45 -451.27 -449.10 2.45 96.566 91 HARTFORD FIRE & CAS GRP 26 25 1319.48 1536.74 1.94 98.507 150 OLD REPUBLIC GRP 13 14 1.92 -0.68 1.01 99.51

**STATE TOTAL** 1,314 1,333 98.09 112.93 100.00 100.00. .

New Jersey 1 748 MEADOWBROOK INS GRP 6,569 6,316 88.03 108.26 28.47 28.472 74 DELPHI FIN GRP 4,271 4,286 67.63 67.93 18.51 46.973 12 AMERICAN INTL GRP 3,357 3,676 30.83 31.90 14.55 61.524 84 AMERICAN FINANCIAL GRP 2,030 1,917 50.02 50.02 8.80 70.325 626 ACE LTD GRP 1,908 1,817 129.52 145.31 8.27 78.596 111 LIBERTY MUT GRP 1,468 1,438 87.87 94.78 6.36 84.957 1279 ARCH INS GRP 1,412 1,517 67.31 69.00 6.12 91.078 767 PENNSYLVANIA MANUFACTURERS GRP 709 699 87.47 87.47 3.07 94.149 212 ZURICH INS GRP 655 689 4.98 7.39 2.84 96.9810 3548 TRAVELERS GRP 260 270 120.83 189.95 1.13 98.10

**STATE TOTAL** 23,076 22,993 87.66 101.51 100.00 100.00. .

New Mexico 1 74 DELPHI FIN GRP 2,416 2,488 12.20 12.40 38.44 38.442 256 NEW YORK MARINE & GEN GRP 2,404 1,963 95.64 101.33 38.25 76.693 12 AMERICAN INTL GRP 733 679 50.48 52.24 11.66 88.354 212 ZURICH INS GRP 260 276 31.76 38.29 4.14 92.495 626 ACE LTD GRP 246 272 -23.82 -12.66 3.92 96.416 111 LIBERTY MUT GRP 68 40 949.40 918.46 1.09 97.497 796 QBE INS GRP 53 53 1155.28 1161.13 0.84 98.33




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


8 517 HANNOVER GRP 51 51 10856.88 10856.88 0.81 99.149 1285 XL AMER GRP 24 24 24.72 27.19 0.38 99.5210 150 OLD REPUBLIC GRP 18 18 -147.26 -188.76 0.29 99.81

**STATE TOTAL** 6,285 5,875 125.58 112.91 100.00 100.00. .

New York 1 74 DELPHI FIN GRP 23,106 24,596 19.30 19.67 43.10 43.102 12 AMERICAN INTL GRP 7,237 8,153 44.76 46.06 13.50 56.603 84 AMERICAN FINANCIAL GRP 5,813 6,137 50.81 50.81 10.84 67.444 626 ACE LTD GRP 5,242 4,322 61.96 80.23 9.78 77.225 111 LIBERTY MUT GRP 2,992 4,581 245.02 249.54 5.58 82.806 748 MEADOWBROOK INS GRP 2,124 1,957 29.84 42.85 3.96 86.767 256 NEW YORK MARINE & GEN GRP 1,742 1,693 26.24 29.63 3.25 90.018 212 ZURICH INS GRP 1,604 1,635 61.56 67.13 2.99 93.019 181 SWISS RE GRP 1,574 1,538 903.63 978.87 2.94 95.9410 1279 ARCH INS GRP 717 733 60.43 61.95 1.34 97.28

**STATE TOTAL** 53,610 56,877 59.53 60.30 100.00 100.00. .

North Carolina 1 74 DELPHI FIN GRP 5,678 5,482 113.70 114.31 37.15 37.152 626 ACE LTD GRP 3,064 3,243 39.00 54.27 20.05 57.193 12 AMERICAN INTL GRP 1,814 1,860 85.21 88.19 11.87 69.064 1279 ARCH INS GRP 1,095 1,291 57.85 59.30 7.16 76.225 212 ZURICH INS GRP 715 771 22.98 28.82 4.68 80.906 256 NEW YORK MARINE & GEN GRP 671 1,080 44.63 50.05 4.39 85.297 3548 TRAVELERS GRP 617 622 48.57 43.77 4.03 89.338 84 AMERICAN FINANCIAL GRP 465 319 56.58 56.58 3.04 92.379 111 LIBERTY MUT GRP 463 442 452.67 457.56 3.03 95.3910 150 OLD REPUBLIC GRP 281 282 87.55 106.59 1.84 97.23

**STATE TOTAL** 15,286 15,813 126.21 121.14 100.00 100.00. .

North Dakota 1 1285 XL AMER GRP 1 0 57.11 62.84 70.62 70.62**STATE TOTAL** 1 1 3045.34 3639.54 100.00 100.00

. .Ohio 1 74 DELPHI FIN GRP 12,994 12,829 62.81 63.20 23.71 23.71

2 626 ACE LTD GRP 11,161 12,510 29.09 43.99 20.37 44.083 111 LIBERTY MUT GRP 9,078 11,500 112.66 117.72 16.56 60.644 12 AMERICAN INTL GRP 7,688 7,477 46.00 47.61 14.03 74.675 212 ZURICH INS GRP 4,894 4,543 223.44 228.08 8.93 83.606 3548 TRAVELERS GRP 4,398 3,989 65.41 74.08 8.02 91.627 244 CINCINNATI FIN GRP 1,332 1,276 -434.87 -459.30 2.43 94.058 150 OLD REPUBLIC GRP 1,326 1,321 21.08 2.69 2.42 96.479 1279 ARCH INS GRP 1,286 1,355 55.51 58.99 2.35 98.82

**STATE TOTAL** 54,804 57,950 22.65 25.31 100.00 100.00. .

Oklahoma 1 74 DELPHI FIN GRP 2,931 2,854 317.99 318.37 43.94 43.942 1208 GRAY INS GRP 954 982 27.80 29.59 14.30 58.243 111 LIBERTY MUT GRP 667 423 54.92 58.16 9.99 68.244 256 NEW YORK MARINE & GEN GRP 545 627 53.15 59.51 8.17 76.415 212 ZURICH INS GRP 414 209 6.10 8.27 6.21 82.626 626 ACE LTD GRP 334 344 139.02 83.47 5.01 87.637 1279 ARCH INS GRP 329 307 45.00 52.39 4.93 92.568 150 OLD REPUBLIC GRP 277 315 -3.05 -9.61 4.15 96.719 3548 TRAVELERS GRP 129 145 514.55 521.83 1.93 98.6410 12 AMERICAN INTL GRP 35 75 16.01 16.57 0.52 99.16

**STATE TOTAL** 6,669 6,327 195.46 195.34 100.00 100.00. .

Oregon 1 74 DELPHI FIN GRP 2,968 2,899 30.96 31.65 46.36 46.362 1279 ARCH INS GRP 1,829 1,831 250.63 253.41 28.58 74.943 626 ACE LTD GRP 1,384 1,471 19.67 39.96 21.62 96.56

**STATE TOTAL** 6,401 7,686 -118.76 -127.74 100.00 100.00. .

Pennsylvania 1 74 DELPHI FIN GRP 14,543 13,640 82.97 83.51 40.40 40.402 212 ZURICH INS GRP 4,143 4,216 60.88 67.98 11.51 51.913 626 ACE LTD GRP 3,540 4,080 20.19 34.39 9.84 61.744 84 AMERICAN FINANCIAL GRP 3,145 3,343 50.01 50.01 8.74 70.485 867 BALDWIN & LYONS GRP 2,498 2,498 -98.54 -100.79 6.94 77.42




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 12 AMERICAN INTL GRP 2,368 2,688 53.40 55.27 6.58 84.007 3548 TRAVELERS GRP 2,193 2,187 122.53 125.37 6.09 90.098 256 NEW YORK MARINE & GEN GRP 1,355 1,377 108.28 115.21 3.76 93.859 1279 ARCH INS GRP 570 580 218.35 220.30 1.58 95.4410 150 OLD REPUBLIC GRP 380 391 739.74 758.42 1.06 96.49

**STATE TOTAL** 35,997 36,344 94.73 101.50 100.00 100.00. .

Rhode Island 1 111 LIBERTY MUT GRP 574 650 121.61 130.43 25.26 25.262 74 DELPHI FIN GRP 545 541 -11.97 -11.51 23.96 49.223 1279 ARCH INS GRP 280 296 60.27 61.78 12.31 61.534 12 AMERICAN INTL GRP 278 316 -108.48 -112.28 12.23 73.755 84 AMERICAN FINANCIAL GRP 262 251 40.65 40.65 11.54 85.306 3548 TRAVELERS GRP 147 143 -1010.13 -1026.40 6.47 91.777 626 ACE LTD GRP 113 85 -36.72 -17.08 4.97 96.748 748 MEADOWBROOK INS GRP 40 39 25.10 35.94 1.77 98.519 91 HARTFORD FIRE & CAS GRP 19 20 1387.64 1545.63 0.84 99.35

**STATE TOTAL** 2,274 2,357 -51.15 -44.24 100.00 100.00. .

South Carolina 1 74 DELPHI FIN GRP 4,054 4,045 61.17 61.76 60.87 60.872 256 NEW YORK MARINE & GEN GRP 1,020 964 44.13 49.50 15.31 76.193 12 AMERICAN INTL GRP 1,002 1,061 45.37 46.96 15.05 91.234 111 LIBERTY MUT GRP 123 124 157.41 171.05 1.85 93.095 3548 TRAVELERS GRP 109 113 -295.64 -306.95 1.63 94.726 150 OLD REPUBLIC GRP 101 100 38.90 47.28 1.51 96.237 212 ZURICH INS GRP 100 100 2666.16 2654.88 1.51 97.738 91 HARTFORD FIRE & CAS GRP 62 63 1397.35 1462.08 0.93 98.669 169 SENTRY INS GRP 43 64 7.07 6.47 0.65 99.3110 1285 XL AMER GRP 27 27 41.22 45.34 0.41 99.72

**STATE TOTAL** 6,660 6,679 -109.25 -122.89 100.00 100.00. .

South Dakota 1 74 DELPHI FIN GRP 1,105 1,044 105.81 106.20 69.82 69.822 626 ACE LTD GRP 201 212 -15.97 -2.47 12.71 82.533 111 LIBERTY MUT GRP 123 118 810.06 820.39 7.78 90.314 150 OLD REPUBLIC GRP 61 60 9.79 9.61 3.82 94.135 3548 TRAVELERS GRP 54 58 77.69 93.58 3.43 97.56

**STATE TOTAL** 1,583 1,537 16.30 -10.64 100.00 100.00. .

Tennessee 1 74 DELPHI FIN GRP 4,476 4,903 57.56 57.92 29.97 29.972 626 ACE LTD GRP 3,367 3,760 50.72 65.97 22.54 52.523 212 ZURICH INS GRP 3,279 3,590 91.40 98.49 21.96 74.484 3548 TRAVELERS GRP 1,010 924 34.11 40.11 6.76 81.245 84 AMERICAN FINANCIAL GRP 647 580 43.38 43.38 4.34 85.586 361 MUNICH RE GRP 532 522 85.29 88.05 3.56 89.147 111 LIBERTY MUT GRP 422 382 64.14 69.28 2.83 91.968 256 NEW YORK MARINE & GEN GRP 360 345 61.32 68.59 2.41 94.379 12 AMERICAN INTL GRP 330 411 32.11 33.23 2.21 96.5810 748 MEADOWBROOK INS GRP 170 145 19.27 27.59 1.14 97.73

**STATE TOTAL** 14,934 15,926 -22.14 -20.70 100.00 100.00. .

Texas 1 74 DELPHI FIN GRP 7,939 7,774 4.50 4.86 28.63 28.632 626 ACE LTD GRP 7,794 9,782 60.56 79.25 28.10 56.733 748 MEADOWBROOK INS GRP 4,176 3,954 73.41 88.98 15.06 71.794 3548 TRAVELERS GRP 1,577 1,322 -31.52 -23.87 5.69 77.475 12 AMERICAN INTL GRP 1,447 1,927 33.62 34.80 5.22 82.696 256 NEW YORK MARINE & GEN GRP 1,144 611 55.58 62.21 4.13 86.827 84 AMERICAN FINANCIAL GRP 1,053 727 107.04 107.86 3.80 90.618 10906 COMMERCIAL ALLIANCE INS CO 791 722 60.00 60.00 2.85 93.479 111 LIBERTY MUT GRP 719 379 140.10 140.82 2.59 96.0610 1279 ARCH INS GRP 594 512 63.35 64.94 2.14 98.20

**STATE TOTAL** 27,734 28,230 -39.29 -41.41 100.00 100.00. .

Utah 1 74 DELPHI FIN GRP 1,550 1,366 97.84 98.41 47.91 47.912 12 AMERICAN INTL GRP 1,094 1,103 49.70 51.44 33.83 81.743 626 ACE LTD GRP 275 281 15.89 30.44 8.50 90.244 111 LIBERTY MUT GRP 75 113 17.81 27.07 2.33 92.56




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 1285 XL AMER GRP 73 71 20.97 23.07 2.26 94.826 3548 TRAVELERS GRP 67 44 -413.56 -430.05 2.06 96.887 212 ZURICH INS GRP 36 54 -343.35 -385.65 1.10 97.988 796 QBE INS GRP 20 20 -3058.36 -3174.19 0.61 98.599 150 OLD REPUBLIC GRP 18 19 9029.25 9227.65 0.55 99.1410 84 AMERICAN FINANCIAL GRP 16 122 4.96 4.96 0.48 99.62

**STATE TOTAL** 3,235 3,206 114.40 121.41 100.00 100.00. .

Vermont 1 74 DELPHI FIN GRP 826 773 2.96 3.55 77.65 77.652 111 LIBERTY MUT GRP 231 162 92.51 100.69 21.68 99.34

**STATE TOTAL** 1,064 995 -9.51 -38.98 100.00 100.00. .

Virginia 1 74 DELPHI FIN GRP 9,501 8,840 64.95 65.51 56.26 56.262 12 AMERICAN INTL GRP 2,726 3,088 29.10 30.12 16.14 72.403 626 ACE LTD GRP 1,221 1,270 20.79 35.89 7.23 79.644 256 NEW YORK MARINE & GEN GRP 873 911 45.67 51.20 5.17 84.815 212 ZURICH INS GRP 682 575 31.04 37.20 4.04 88.846 38 CHUBB & SON INC GRP 376 375 34.97 31.81 2.23 91.077 111 LIBERTY MUT GRP 367 256 178.99 187.63 2.17 93.248 84 AMERICAN FINANCIAL GRP 321 492 50.02 50.02 1.90 95.149 150 OLD REPUBLIC GRP 214 201 251.34 289.53 1.26 96.4110 3548 TRAVELERS GRP 178 165 34.39 53.59 1.05 97.46

**STATE TOTAL** 16,887 16,664 67.22 69.60 100.00 100.00. .

Washington 1 74 DELPHI FIN GRP 9,523 10,155 43.96 44.25 37.04 37.042 12 AMERICAN INTL GRP 5,406 5,941 51.44 53.24 21.03 58.073 626 ACE LTD GRP 3,116 3,395 3.25 18.07 12.12 70.194 111 LIBERTY MUT GRP 1,579 1,902 116.82 115.43 6.14 76.345 212 ZURICH INS GRP 1,429 1,556 29.00 32.36 5.56 81.896 1279 ARCH INS GRP 1,347 1,275 55.02 60.94 5.24 87.137 1285 XL AMER GRP 884 918 30.72 33.80 3.44 90.578 84 AMERICAN FINANCIAL GRP 720 672 41.65 41.65 2.80 93.389 3548 TRAVELERS GRP 700 725 74.84 85.60 2.72 96.1010 150 OLD REPUBLIC GRP 480 526 -161.91 -160.07 1.87 97.97

**STATE TOTAL** 25,707 27,572 26.35 20.77 100.00 100.00. .

West Virginia 1 12 AMERICAN INTL GRP 1,138 803 44.30 45.85 29.87 29.872 626 ACE LTD GRP 908 1,233 129.07 148.41 23.84 53.723 111 LIBERTY MUT GRP 748 532 15.54 24.04 19.63 73.344 150 OLD REPUBLIC GRP 326 305 1855.58 1892.99 8.56 81.905 1279 ARCH INS GRP 208 191 44.65 51.95 5.46 87.366 74 DELPHI FIN GRP 187 242 2.17 2.07 4.90 92.267 84 AMERICAN FINANCIAL GRP 149 63 92.43 92.43 3.91 96.178 2978 MITSUI SUMITOMO INS GRP 54 69 0.00 0.00 1.42 97.599 212 ZURICH INS GRP 38 37 -99.48 -115.78 1.00 98.5910 3548 TRAVELERS GRP 29 23 -630.59 -542.74 0.75 99.34

**STATE TOTAL** 3,809 3,523 238.55 252.71 100.00 100.00. .

Wisconsin 1 74 DELPHI FIN GRP 2,089 2,046 388.88 389.36 31.27 31.272 3548 TRAVELERS GRP 917 868 -26.92 -25.91 13.72 45.003 626 ACE LTD GRP 738 814 22.53 37.56 11.06 56.054 111 LIBERTY MUT GRP 699 704 -4.11 0.79 10.46 66.525 1285 XL AMER GRP 550 535 26.44 31.26 8.24 74.756 169 SENTRY INS GRP 423 533 32.88 29.69 6.33 81.087 867 BALDWIN & LYONS GRP 344 344 -66.33 -68.91 5.16 86.248 212 ZURICH INS GRP 323 355 95.62 98.49 4.83 91.079 12 AMERICAN INTL GRP 184 244 48.74 50.45 2.75 93.8210 1279 ARCH INS GRP 140 140 56.48 57.90 2.09 95.91

**STATE TOTAL** 6,679 6,853 162.94 169.08 100.00 100.00. .

Wyoming 1 626 ACE LTD GRP 13 13 23.71 32.20 70.20 70.20**STATE TOTAL** 18 22 1205.43 1301.57 100.00 100.00

. .Guam **STATE TOTAL** 0 0 N/A N/A N/A 100.00

. .




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Puerto Rico **STATE TOTAL** -1 -3 N/A N/A 100.00 100.00. .

U.S. Virgin Islands **STATE TOTAL** 0 0 31.60 34.20 100.00 100.00. .

Canada **STATE TOTAL** 4,044 3,905 298.85 290.48 100.00 100.00. .

Aggregate Other Alien 1 111 LIBERTY MUT GRP 5,923 8,589 -37.02 -35.63 63.28 63.28**STATE TOTAL** 9,361 11,976 -20.20 -19.80 100.00 100.00

. .




18— Products Liability



States, U.S. Territories, Canada, and Aggregate Other Alien18-Products Liability



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 38 CHUBB & SON INC GRP 261,913 270,715 36.10 48.31 9.14 9.142 212 ZURICH INS GRP 223,049 208,215 72.61 193.38 7.79 16.933 3548 TRAVELERS GRP 207,425 215,892 5.81 44.47 7.24 24.174 218 CNA INS GRP 177,525 198,204 59.77 90.44 6.20 30.375 626 ACE LTD GRP 153,829 161,099 57.93 71.95 5.37 35.746 111 LIBERTY MUT GRP 135,964 144,829 121.61 211.05 4.75 40.497 21261 ELECTRIC INS CO 119,746 119,746 51.47 65.16 4.18 44.678 98 WR BERKLEY CORP GRP 117,173 140,378 47.64 81.41 4.09 48.769 761 ALLIANZ INS GRP 99,847 98,541 -77.96 -156.01 3.49 52.2510 91 HARTFORD FIRE & CAS GRP 78,974 81,538 9.88 196.25 2.76 55.0111 140 NATIONWIDE CORP GRP 75,871 80,468 51.90 70.41 2.65 57.6512 12 AMERICAN INTL GRP 74,778 162,364 181.99 243.15 2.61 60.2713 785 MARKEL CORP GRP 73,290 84,486 8.88 24.22 2.56 62.8214 457 ARGONAUT GRP 71,352 69,295 47.12 63.69 2.49 65.3215 242 SELECTIVE INS GRP 66,346 69,237 61.61 84.15 2.32 67.6316 244 CINCINNATI FIN GRP 59,916 57,448 36.70 62.50 2.09 69.7217 84 AMERICAN FINANCIAL GRP 53,778 63,006 38.28 58.66 1.88 71.6018 1113 MEDMARK INS GRP 53,619 55,858 25.97 101.92 1.87 73.4719 1285 XL AMER GRP 42,681 41,262 131.65 203.84 1.49 74.9620 501 ALLEGHANY GRP 35,851 41,208 39.54 60.60 1.25 76.2221 248 UNITED FIRE & CAS GRP 35,135 37,384 88.88 144.28 1.23 77.4422 158 FAIRFAX FIN GRP 33,518 36,661 1.80 32.49 1.17 78.6123 3617 FIRST MERCURY FIN GRP 30,193 29,825 31.01 25.67 1.05 79.6724 7 FEDERATED MUT GRP 27,238 29,552 5.67 10.16 0.95 80.6225 3098 TOKIO MARINE HOLDINGS INC GRP 26,928 27,941 15.79 19.16 0.94 81.5626 169 SENTRY INS GRP 25,907 26,908 54.60 119.70 0.90 82.4627 4574 CATLIN US INS GRP 25,514 19,819 36.43 48.17 0.89 83.3528 3494 JAMES RIVER GRP 25,329 27,555 23.50 29.63 0.88 84.2429 517 HANNOVER GRP 25,152 25,224 -6.50 12.65 0.88 85.1230 1279 ARCH INS GRP 24,331 33,665 21.24 26.46 0.85 85.9631 3786 ENDURANCE GRP 24,049 23,972 27.74 31.19 0.84 86.8032 150 OLD REPUBLIC GRP 19,645 19,603 16.79 50.47 0.69 87.4933 31 BERKSHIRE HATHAWAY GRP 19,117 24,595 -36.18 -63.36 0.67 88.1634 175 STATE AUTO MUT GRP 19,021 20,067 29.85 53.20 0.66 88.8235 62 EMC INS CO GRP 18,529 19,571 46.41 41.16 0.65 89.4736 36 CENTRAL MUT INS CO GRP 17,444 20,136 112.60 166.47 0.61 90.0837 3219 SOMPO JAPAN INS GRP 17,255 18,339 48.85 61.33 0.60 90.6838 866 WESTERN WORLD GRP 15,527 17,233 33.95 92.62 0.54 91.2239 271 PENNSYLVANIA NATL INS GRP 14,786 15,546 28.59 40.65 0.52 91.7440 3589 MAXUM SPECIALTY INS GRP 14,475 14,650 33.66 62.07 0.51 92.2441 1243 WEST BEND MUT GRP 12,207 12,018 20.22 43.73 0.43 92.6742 309 WESTERN NATL MUT 11,257 11,726 26.26 37.94 0.39 93.0643 124 AMERISURE CO GRP 10,349 12,265 57.38 129.87 0.36 93.4244 474 FCCI MUT INS GRP 9,729 10,119 56.88 107.46 0.34 93.7645 14974 PENNSYLVANIA LUMBERMENS MUT INS 8,529 8,534 -35.85 -38.25 0.30 94.0646 1120 EVEREST REINS HOLDINGS GRP 8,308 7,898 -14.99 2.53 0.29 94.3547 920 UNITED AMER IND GRP 8,284 10,056 -5.88 17.42 0.29 94.6448 2538 AMTRUST FINANCIAL SERV GRP 7,839 8,858 54.19 59.93 0.27 94.9149 3703 TOWER GRP 7,736 6,628 -19.09 -65.78 0.27 95.1850 4670 STARR GRP 7,533 1,599 216.95 234.51 0.26 95.4551 14184 ACUITY A MUT INS CO 7,365 7,790 72.25 127.73 0.26 95.7052 783 RLI INS GRP 6,133 7,118 -36.24 -29.27 0.21 95.9253 96 SECURA INS GRP 5,832 5,886 3.84 10.59 0.20 96.1254 125 PENN MILLER GRP 5,547 5,164 13.79 17.12 0.19 96.3255 291 MOTORISTS MUT GRP 5,233 5,223 49.39 110.47 0.18 96.5056 518 GRINNELL MUT GRP 5,033 5,165 29.34 41.50 0.18 96.6757 796 QBE INS GRP 4,783 4,790 28.22 37.07 0.17 96.8458 968 AXA INS GRP 4,575 4,316 -40.28 -28.63 0.16 97.0059 4507 BUILDERS GRP 4,273 4,990 140.44 208.30 0.15 97.1560 181 SWISS RE GRP 4,156 4,366 -1779.10 -1422.64 0.15 97.3061 88 THE HANOVER INS GRP 3,839 4,467 22.54 25.57 0.13 97.4362 12260 CAMPMED CAS & IND CO INC MD 3,805 3,607 27.70 67.42 0.13 97.5663 1129 WHITE MOUNTAINS GRP 3,759 3,242 -1724.02 -1062.09 0.13 97.6964 23663 NATIONAL AMER INS CO 3,758 4,060 6.22 11.05 0.13 97.8365 246 INDIANA LUMBERMENS GRP 3,211 3,488 -84.39 -46.01 0.11 97.94




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 2978 MITSUI SUMITOMO INS GRP 2,967 3,029 49.54 80.64 0.10 98.0467 748 MEADOWBROOK INS GRP 2,792 2,560 6.64 11.14 0.10 98.1468 225 IAT REINS CO GRP 2,699 2,893 59.25 98.80 0.09 98.2369 4509 IRONSHORE GRP 2,674 369 -111.85 72.61 0.09 98.3370 16411 COOPERATIVE MUT INS CO 2,417 1,443 115.82 119.87 0.08 98.4171 228 WESTFIELD GRP 2,379 2,484 -12.62 -32.15 0.08 98.4972 3239 ALLIED WORLD ASSUR HOLDING GRP 2,302 3,508 132.15 136.03 0.08 98.5773 106 ISLAND INS CO GRP 2,285 2,449 13.84 70.47 0.08 98.6574 36838 MONTPELIER US INS CO 2,101 1,345 94.20 119.74 0.07 98.7375 213 ERIE INS GRP 2,062 2,176 -80.52 -78.80 0.07 98.8076 645 OREGON MUT GRP 1,956 2,129 35.50 64.12 0.07 98.8777 50 COUNTRY INS & FIN SERV GRP 1,745 1,665 31.01 46.78 0.06 98.9378 3416 AXIS CAPITAL GRP 1,636 2,188 134.55 143.28 0.06 98.9979 253 HARLEYSVILLE GRP 1,596 1,564 33.66 55.06 0.06 99.0480 12633 CENTURY INS CO GU LTD 1,565 649 13.09 27.30 0.05 99.1081 93 STATE NATL GRP 1,529 1,183 38.39 52.36 0.05 99.1582 408 AMERICAN NATL FIN GRP 1,507 1,530 3.46 4.00 0.05 99.2083 10476 STICO MUT INS CO RRG 1,474 1,402 -6.82 17.97 0.05 99.2584 8 ALLSTATE INS GRP 1,472 1,601 11.08 -396.41 0.05 99.3085 15709 SOUTHERN STATES INS EXCH 1,199 1,180 73.15 74.97 0.04 99.3586 807 COLUMBIA INS GRP 1,176 1,205 22.47 40.61 0.04 99.3987 27073 NIPPONKOA INS CO LTD US BR 1,044 1,065 -25.02 -13.94 0.04 99.4288 203 VIRGINIA FARM BUREAU GRP 933 997 0.07 0.07 0.03 99.4689 3478 HALLMARK FIN SERV GRP 913 1,112 40.68 56.87 0.03 99.4990 1309 FRANKENMUTH GRP 841 843 45.92 39.92 0.03 99.5291 153 PEKIN INS GRP 786 787 64.44 80.75 0.03 99.5592 54 CUMBERLAND GRP 756 837 -0.96 -1.19 0.03 99.5793 36790 SPRINGFIELD INS CO INC 741 740 18.53 31.79 0.03 99.6094 15792 UNDERWRITERS AT LLOYDS LONDON 676 433 -45.44 -40.94 0.02 99.6295 71 UNIVERSAL INS CO GRP 580 502 0.00 0.00 0.02 99.6496 749 SCOR GRP 526 891 21.54 21.67 0.02 99.6697 33499 DORINCO REINS CO 500 500 -2453.34 -3188.77 0.02 99.6898 201 UTICA GRP 498 533 115.01 3755.09 0.02 99.6999 3991 IMT MUT HOLDING GRP 485 496 22.49 20.51 0.02 99.71100 20613 SPARTA INS CO 469 366 39.62 50.08 0.02 99.73101 767 PENNSYLVANIA MANUFACTURERS GRP 445 529 747.23 2190.02 0.02 99.74102 38733 ALASKA NATL INS CO 432 411 11.99 9.50 0.02 99.76103 11568 CONSTITUTIONAL CAS CO 394 428 8.50 31.15 0.01 99.77104 10717 ASPEN SPECIALTY INS CO 377 110 421.29 1062.38 0.01 99.79105 22624 INDIANA FARMERS MUT INS CO 376 377 -0.27 -0.27 0.01 99.80106 3489 DELEK GRP 358 390 -10.18 -14.63 0.01 99.81107 698 NORTH STAR CO GRP 311 313 186.60 221.13 0.01 99.82108 677 PHILADELPHIA CONSOLIDATED HOLDING GR 307 98 25.93 40.09 0.01 99.83109 660 MERCURY GEN GRP 296 340 -33.98 -32.93 0.01 99.84110 35 CELINA GRP 278 315 20.30 80.20 0.01 99.85111 963 OHIO MUT GRP 255 270 29.78 119.40 0.01 99.86112 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 249 283 3.88 8.50 0.01 99.87113 40568 TRIPLE S PROPIEDAD INC 229 253 4.99 4.99 0.01 99.88114 4381 LIGHTYEAR DELOS GRP 208 148 -25.47 -14.10 0.01 99.89115 473 AMERICAN FAMILY INS GRP 194 209 6.61 6.61 0.01 99.89116 333 MUTUAL OF ENUMCLAW GRP 191 186 -0.52 -17.22 0.01 99.90

**INDUSTRY TOTAL** 2,864,172 3,071,870 39.80 82.14 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 271 PENNSYLVANIA NATL INS GRP 3,242 3,147 17.18 27.08 9.87 9.872 212 ZURICH INS GRP 3,228 4,339 102.65 194.57 9.83 19.703 218 CNA INS GRP 3,008 2,612 71.02 101.65 9.16 28.864 3548 TRAVELERS GRP 2,488 2,469 51.62 231.72 7.58 36.445 38 CHUBB & SON INC GRP 2,058 2,049 15.89 28.47 6.27 42.706 244 CINCINNATI FIN GRP 1,434 1,277 50.84 97.44 4.37 47.077 457 ARGONAUT GRP 1,421 1,431 30.47 15.24 4.33 51.408 98 WR BERKLEY CORP GRP 1,315 1,466 -38.42 21.48 4.00 55.409 140 NATIONWIDE CORP GRP 1,152 1,274 237.28 263.08 3.51 58.9110 21261 ELECTRIC INS CO 966 966 102.51 141.04 2.94 61.85

**STATE TOTAL** 32,840 35,417 73.14 89.84 100.00 100.00. .

Alaska 1 98 WR BERKLEY CORP GRP 1,489 1,509 13.20 26.51 23.11 23.112 3548 TRAVELERS GRP 966 1,015 0.96 21.09 14.99 38.103 111 LIBERTY MUT GRP 652 697 22.71 3.75 10.11 48.214 4574 CATLIN US INS GRP 409 95 32.36 42.11 6.35 54.565 12 AMERICAN INTL GRP 333 401 -8.00 -14.29 5.16 59.726 38733 ALASKA NATL INS CO 320 308 5.87 -1.56 4.97 64.697 920 UNITED AMER IND GRP 268 310 -15.95 -14.60 4.16 68.858 457 ARGONAUT GRP 257 230 0.00 0.00 3.99 72.849 169 SENTRY INS GRP 209 197 6.17 23.21 3.24 76.0810 140 NATIONWIDE CORP GRP 190 188 -12.60 -58.25 2.94 79.03

**STATE TOTAL** 6,443 6,332 5.94 4.71 100.00 100.00. .

Arizona 1 38 CHUBB & SON INC GRP 3,778 3,555 8.52 14.56 13.30 13.302 3617 FIRST MERCURY FIN GRP 2,961 3,221 26.49 6.10 10.42 23.723 3548 TRAVELERS GRP 2,751 2,596 -29.15 48.10 9.68 33.404 218 CNA INS GRP 2,318 2,923 50.86 66.79 8.16 41.565 111 LIBERTY MUT GRP 1,695 1,237 155.49 186.83 5.96 47.526 785 MARKEL CORP GRP 1,407 1,445 41.32 68.72 4.95 52.477 36 CENTRAL MUT INS CO GRP 1,373 2,251 131.81 168.84 4.83 57.308 626 ACE LTD GRP 1,307 1,088 174.11 175.03 4.60 61.909 98 WR BERKLEY CORP GRP 1,271 1,657 8.65 35.36 4.47 66.3710 140 NATIONWIDE CORP GRP 1,231 1,727 95.01 105.41 4.33 70.70

**STATE TOTAL** 28,414 35,242 40.32 71.09 100.00 100.00. .

Arkansas 1 111 LIBERTY MUT GRP 1,782 1,921 61.49 458.34 10.71 10.712 98 WR BERKLEY CORP GRP 1,760 1,735 30.63 54.02 10.57 21.283 212 ZURICH INS GRP 1,167 1,282 95.88 177.43 7.01 28.294 175 STATE AUTO MUT GRP 830 922 28.23 49.86 4.98 33.285 244 CINCINNATI FIN GRP 828 731 4.70 20.14 4.97 38.256 3548 TRAVELERS GRP 716 860 -33.04 -14.38 4.30 42.557 248 UNITED FIRE & CAS GRP 673 648 -8.44 -84.37 4.04 46.598 140 NATIONWIDE CORP GRP 672 783 82.99 106.24 4.04 50.639 12 AMERICAN INTL GRP 658 679 37.75 67.82 3.96 54.5910 84 AMERICAN FINANCIAL GRP 615 762 25.74 27.91 3.70 58.29

**STATE TOTAL** 16,643 17,285 32.75 93.18 100.00 100.00. .

California 1 38 CHUBB & SON INC GRP 46,089 48,149 51.70 48.72 12.44 12.442 218 CNA INS GRP 28,944 33,866 40.05 69.89 7.81 20.253 98 WR BERKLEY CORP GRP 25,176 31,499 33.88 61.49 6.80 27.054 626 ACE LTD GRP 19,325 21,735 421.35 563.94 5.22 32.275 212 ZURICH INS GRP 18,682 22,661 70.43 135.64 5.04 37.316 21261 ELECTRIC INS CO 16,931 16,931 52.15 63.20 4.57 41.887 140 NATIONWIDE CORP GRP 15,879 16,001 105.36 210.40 4.29 46.178 91 HARTFORD FIRE & CAS GRP 15,694 17,074 2.93 94.53 4.24 50.409 785 MARKEL CORP GRP 13,819 16,444 40.95 70.23 3.73 54.1310 3548 TRAVELERS GRP 13,451 15,269 37.62 194.05 3.63 57.76

**STATE TOTAL** 370,465 420,856 72.89 139.14 100.00 100.00. .

Colorado 1 248 UNITED FIRE & CAS GRP 7,907 9,368 62.82 103.63 14.80 14.802 3548 TRAVELERS GRP 5,118 5,308 9.50 62.59 9.58 24.383 38 CHUBB & SON INC GRP 3,526 3,500 -1.14 12.48 6.60 30.984 212 ZURICH INS GRP 2,918 2,481 1930.95 2077.88 5.46 36.445 98 WR BERKLEY CORP GRP 2,886 3,743 73.57 99.03 5.40 41.84




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 31 BERKSHIRE HATHAWAY GRP 2,539 3,919 -32.94 -61.98 4.75 46.597 785 MARKEL CORP GRP 2,494 2,726 -20.48 -40.06 4.67 51.268 626 ACE LTD GRP 2,329 2,296 95.56 113.98 4.36 55.619 91 HARTFORD FIRE & CAS GRP 2,008 1,769 -53.13 11.23 3.76 59.3710 111 LIBERTY MUT GRP 1,763 1,620 101.98 193.14 3.30 62.67

**STATE TOTAL** 53,435 58,002 124.83 169.65 100.00 100.00. .

Connecticut 1 21261 ELECTRIC INS CO 7,739 7,739 10.06 11.28 19.29 19.292 38 CHUBB & SON INC GRP 4,817 5,078 57.67 66.34 12.01 31.303 212 ZURICH INS GRP 3,883 3,882 -139.66 -178.31 9.68 40.974 761 ALLIANZ INS GRP 2,474 2,453 -248.75 -454.01 6.17 47.145 91 HARTFORD FIRE & CAS GRP 2,449 2,588 189.35 441.44 6.10 53.246 3548 TRAVELERS GRP 2,396 2,175 0.32 79.06 5.97 59.227 111 LIBERTY MUT GRP 2,047 2,563 334.58 341.83 5.10 64.328 218 CNA INS GRP 1,725 2,510 31.92 48.18 4.30 68.629 98 WR BERKLEY CORP GRP 1,298 1,810 123.78 160.46 3.24 71.8510 626 ACE LTD GRP 1,145 1,092 320.11 510.81 2.85 74.71

**STATE TOTAL** 40,120 42,901 49.22 80.44 100.00 100.00. .

Delaware 1 212 ZURICH INS GRP 807 861 1254.24 1251.53 17.09 17.092 242 SELECTIVE INS GRP 410 437 35.51 44.12 8.69 25.783 111 LIBERTY MUT GRP 380 419 11.11 93.03 8.05 33.834 38 CHUBB & SON INC GRP 318 314 -16.28 -5.50 6.74 40.575 218 CNA INS GRP 300 539 36.71 76.88 6.36 46.926 158 FAIRFAX FIN GRP 294 383 -97.67 -116.39 6.22 53.147 785 MARKEL CORP GRP 288 320 63.70 101.49 6.10 59.248 3548 TRAVELERS GRP 265 270 -604.34 -1366.88 5.61 64.869 626 ACE LTD GRP 254 311 647.85 1029.44 5.38 70.2410 457 ARGONAUT GRP 229 256 -0.02 -0.04 4.86 75.10

**STATE TOTAL** 4,720 5,941 197.17 205.78 100.00 100.00. .

District of Columbia 1 212 ZURICH INS GRP 1,952 1,565 -37.25 -65.75 29.65 29.652 21261 ELECTRIC INS CO 828 828 8.07 6.44 12.58 42.233 3786 ENDURANCE GRP 774 215 44.58 49.54 11.76 53.994 111 LIBERTY MUT GRP 576 494 152.25 237.74 8.75 62.735 84 AMERICAN FINANCIAL GRP 534 372 31.88 47.16 8.11 70.856 242 SELECTIVE INS GRP 384 423 41.39 55.06 5.84 76.697 218 CNA INS GRP 265 245 75.90 121.29 4.03 80.728 3548 TRAVELERS GRP 224 209 64.43 -26.88 3.41 84.139 761 ALLIANZ INS GRP 175 162 107.37 109.79 2.65 86.7810 626 ACE LTD GRP 158 203 516.32 908.38 2.40 89.18

**STATE TOTAL** 6,582 5,463 -21.20 -13.40 100.00 100.00. .

Florida 1 38 CHUBB & SON INC GRP 11,547 11,576 54.20 70.65 7.44 7.442 212 ZURICH INS GRP 11,071 6,827 11.03 79.10 7.13 14.573 218 CNA INS GRP 9,924 9,478 -3.58 7.28 6.39 20.974 3548 TRAVELERS GRP 9,021 9,075 6.51 43.36 5.81 26.785 111 LIBERTY MUT GRP 8,876 9,605 28.40 103.27 5.72 32.506 158 FAIRFAX FIN GRP 8,431 9,856 13.12 34.28 5.43 37.937 124 AMERISURE CO GRP 8,418 10,240 29.54 83.75 5.42 43.358 474 FCCI MUT INS GRP 8,183 8,641 55.51 108.76 5.27 48.639 98 WR BERKLEY CORP GRP 7,157 8,520 57.22 77.39 4.61 53.2410 91 HARTFORD FIRE & CAS GRP 6,489 6,654 47.22 94.88 4.18 57.42

**STATE TOTAL** 155,211 166,960 51.54 79.24 100.00 100.00. .

Georgia 1 212 ZURICH INS GRP 9,220 9,159 298.60 324.43 13.33 13.332 218 CNA INS GRP 5,676 6,126 49.48 76.39 8.20 21.533 38 CHUBB & SON INC GRP 5,132 5,207 108.57 123.78 7.42 28.954 21261 ELECTRIC INS CO 3,690 3,690 67.15 73.17 5.33 34.295 626 ACE LTD GRP 3,579 4,121 458.63 677.62 5.17 39.466 98 WR BERKLEY CORP GRP 3,086 3,329 14.32 31.05 4.46 43.927 111 LIBERTY MUT GRP 2,821 3,528 125.63 123.36 4.08 48.008 242 SELECTIVE INS GRP 2,709 2,914 58.53 76.46 3.92 51.919 3098 TOKIO MARINE HOLDINGS INC GRP 2,501 3,043 57.34 86.39 3.61 55.5310 3548 TRAVELERS GRP 2,441 2,430 -275.62 -318.59 3.53 59.05




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 69,180 73,999 98.01 145.73 100.00 100.00. .

Hawaii 1 106 ISLAND INS CO GRP 2,285 2,449 13.84 70.47 28.00 28.002 218 CNA INS GRP 1,458 1,787 42.23 56.56 17.87 45.873 98 WR BERKLEY CORP GRP 1,347 1,629 -12.41 -5.92 16.50 62.374 111 LIBERTY MUT GRP 474 522 23.18 33.91 5.81 68.195 761 ALLIANZ INS GRP 465 565 -138.96 -206.64 5.70 73.886 3548 TRAVELERS GRP 448 422 234.28 687.74 5.49 79.387 4574 CATLIN US INS GRP 350 433 11.28 20.66 4.29 83.678 626 ACE LTD GRP 336 635 314.34 336.77 4.12 87.799 158 FAIRFAX FIN GRP 306 364 -211.84 -202.87 3.75 91.5410 457 ARGONAUT GRP 251 251 0.00 0.00 3.08 94.62

**STATE TOTAL** 8,159 11,442 173.72 204.14 100.00 100.00. .

Idaho 1 38 CHUBB & SON INC GRP 1,139 1,109 43.55 71.67 13.61 13.612 140 NATIONWIDE CORP GRP 677 681 15.84 10.18 8.09 21.703 244 CINCINNATI FIN GRP 672 569 21.28 45.71 8.03 29.724 248 UNITED FIRE & CAS GRP 509 644 16.78 24.49 6.08 35.805 98 WR BERKLEY CORP GRP 505 556 315.50 360.51 6.03 41.836 212 ZURICH INS GRP 422 456 120.30 125.03 5.05 46.887 111 LIBERTY MUT GRP 389 385 11.57 54.08 4.65 51.538 84 AMERICAN FINANCIAL GRP 333 319 27.75 28.96 3.98 55.519 457 ARGONAUT GRP 299 217 0.00 0.00 3.58 59.0910 3548 TRAVELERS GRP 290 448 -112.49 -131.04 3.47 62.55

**STATE TOTAL** 8,370 9,672 20.37 27.87 100.00 100.00. .

Illinois 1 212 ZURICH INS GRP 13,204 13,467 22.42 52.34 11.04 11.042 38 CHUBB & SON INC GRP 7,992 8,810 33.72 73.94 6.68 17.723 3548 TRAVELERS GRP 6,424 7,179 57.67 197.08 5.37 23.094 761 ALLIANZ INS GRP 6,277 6,334 -68.07 -131.16 5.25 28.335 244 CINCINNATI FIN GRP 5,712 5,854 50.68 73.07 4.77 33.116 111 LIBERTY MUT GRP 5,570 5,464 182.81 300.55 4.66 37.767 21261 ELECTRIC INS CO 5,057 5,057 67.04 96.74 4.23 41.998 3786 ENDURANCE GRP 4,432 4,384 31.39 35.11 3.70 45.699 457 ARGONAUT GRP 3,604 3,517 -65.81 -64.46 3.01 48.7110 626 ACE LTD GRP 3,501 3,665 -22.73 -531.50 2.93 51.63

**STATE TOTAL** 119,634 126,307 55.51 119.64 100.00 100.00. .

Indiana 1 244 CINCINNATI FIN GRP 4,791 4,808 -0.43 20.86 10.35 10.352 111 LIBERTY MUT GRP 3,580 3,447 -471.69 -640.80 7.74 18.093 38 CHUBB & SON INC GRP 3,228 3,541 159.63 157.83 6.98 25.074 212 ZURICH INS GRP 2,873 3,482 -36.98 -23.51 6.21 31.285 242 SELECTIVE INS GRP 2,774 2,907 41.74 57.21 6.00 37.286 517 HANNOVER GRP 2,556 1,605 182.03 223.44 5.53 42.807 3548 TRAVELERS GRP 2,054 2,140 187.12 146.47 4.44 47.248 218 CNA INS GRP 2,001 2,161 41.61 84.76 4.32 51.579 626 ACE LTD GRP 1,733 1,230 82.83 107.95 3.75 55.3110 761 ALLIANZ INS GRP 1,567 1,299 -912.80 -1151.02 3.39 58.70

**STATE TOTAL** 46,266 48,184 20.32 22.90 100.00 100.00. .

Iowa 1 248 UNITED FIRE & CAS GRP 3,732 3,797 99.20 154.26 12.43 12.432 140 NATIONWIDE CORP GRP 2,939 2,771 21.11 23.40 9.79 22.223 62 EMC INS CO GRP 2,270 2,655 42.64 50.72 7.56 29.794 212 ZURICH INS GRP 1,984 2,100 -3.01 12.16 6.61 36.405 244 CINCINNATI FIN GRP 1,827 1,782 -21.60 3.28 6.09 42.486 38 CHUBB & SON INC GRP 1,286 1,513 50.99 58.33 4.28 46.777 91 HARTFORD FIRE & CAS GRP 1,188 1,274 16.83 22.77 3.96 50.728 169 SENTRY INS GRP 1,157 1,195 10.69 72.38 3.86 54.589 111 LIBERTY MUT GRP 1,095 1,217 47.99 334.57 3.65 58.2310 242 SELECTIVE INS GRP 1,031 974 9.54 25.98 3.43 61.66

**STATE TOTAL** 30,014 31,526 26.61 63.67 100.00 100.00. .

Kansas 1 12 AMERICAN INTL GRP 2,959 3,619 82.27 120.07 10.81 10.812 218 CNA INS GRP 2,083 1,957 42.83 57.05 7.61 18.423 84 AMERICAN FINANCIAL GRP 1,838 2,123 124.34 189.30 6.71 25.13




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 248 UNITED FIRE & CAS GRP 1,595 1,646 60.75 91.10 5.83 30.965 140 NATIONWIDE CORP GRP 1,424 1,414 13.96 13.84 5.20 36.166 62 EMC INS CO GRP 1,291 1,321 14.24 4.13 4.72 40.887 212 ZURICH INS GRP 1,287 1,132 59.09 41.48 4.70 45.588 3548 TRAVELERS GRP 1,152 1,060 183.81 34.07 4.21 49.799 626 ACE LTD GRP 1,095 682 302.75 218.16 4.00 53.7910 111 LIBERTY MUT GRP 1,051 1,621 84.85 182.24 3.84 57.63

**STATE TOTAL** 27,374 27,830 58.43 73.01 100.00 100.00. .

Kentucky 1 212 ZURICH INS GRP 4,060 1,842 -220.72 -423.78 14.89 14.892 21261 ELECTRIC INS CO 3,592 3,592 -52.42 18.46 13.17 28.073 111 LIBERTY MUT GRP 2,788 2,955 57.27 46.87 10.23 38.294 218 CNA INS GRP 1,936 1,606 -119.67 -173.16 7.10 45.395 244 CINCINNATI FIN GRP 1,461 1,327 -14.83 4.15 5.36 50.756 38 CHUBB & SON INC GRP 1,206 1,295 160.70 169.26 4.42 55.187 175 STATE AUTO MUT GRP 1,043 1,109 3.86 24.78 3.83 59.018 98 WR BERKLEY CORP GRP 959 1,063 -20.75 -7.44 3.52 62.529 140 NATIONWIDE CORP GRP 934 878 -25.90 -35.21 3.43 65.9510 3548 TRAVELERS GRP 922 989 -16.98 186.02 3.38 69.33

**STATE TOTAL** 27,264 25,733 -12.33 -7.58 100.00 100.00. .

Louisiana 1 3548 TRAVELERS GRP 5,942 5,693 31.83 19.92 15.46 15.462 98 WR BERKLEY CORP GRP 2,721 3,279 83.23 154.91 7.08 22.533 111 LIBERTY MUT GRP 2,596 2,836 25.94 156.28 6.75 29.294 457 ARGONAUT GRP 2,559 2,501 -48.97 -71.10 6.66 35.945 248 UNITED FIRE & CAS GRP 2,319 2,315 167.01 412.82 6.03 41.976 218 CNA INS GRP 2,248 2,384 41.11 127.40 5.85 47.827 626 ACE LTD GRP 1,781 1,835 174.07 275.09 4.63 52.458 140 NATIONWIDE CORP GRP 1,529 1,667 10.77 -23.64 3.98 56.439 501 ALLEGHANY GRP 1,481 1,338 23.52 35.68 3.85 60.2810 212 ZURICH INS GRP 1,277 1,319 469.72 880.17 3.32 63.60

**STATE TOTAL** 38,444 40,736 15.22 71.84 100.00 100.00. .

Maine 1 21261 ELECTRIC INS CO 704 704 2.88 2.79 11.69 11.692 98 WR BERKLEY CORP GRP 531 619 20.57 10.64 8.80 20.493 3548 TRAVELERS GRP 422 431 355.79 412.01 7.01 27.494 212 ZURICH INS GRP 382 364 -33.86 21.95 6.34 33.835 111 LIBERTY MUT GRP 375 441 245.94 267.02 6.23 40.066 1129 WHITE MOUNTAINS GRP 291 303 22.86 27.10 4.82 44.887 626 ACE LTD GRP 290 374 177.74 264.57 4.82 49.708 1113 MEDMARK INS GRP 287 341 -59.78 -80.56 4.75 54.469 31 BERKSHIRE HATHAWAY GRP 250 312 2.66 -14.43 4.15 58.6010 38 CHUBB & SON INC GRP 244 244 4.02 16.35 4.04 62.64

**STATE TOTAL** 6,027 6,827 98.86 129.61 100.00 100.00. .

Maryland 1 218 CNA INS GRP 6,040 6,617 43.98 54.45 13.54 13.542 242 SELECTIVE INS GRP 4,973 5,303 44.25 68.13 11.15 24.693 212 ZURICH INS GRP 4,435 4,130 19.60 -13.64 9.94 34.644 38 CHUBB & SON INC GRP 3,857 3,771 -35.65 -26.20 8.65 43.285 626 ACE LTD GRP 3,567 3,751 42.88 57.25 8.00 51.286 1285 XL AMER GRP 2,089 1,913 74.86 89.68 4.68 55.977 761 ALLIANZ INS GRP 1,786 1,189 -18.90 -133.93 4.00 59.978 3548 TRAVELERS GRP 1,760 1,693 230.67 175.73 3.95 63.919 1113 MEDMARK INS GRP 1,593 1,706 42.77 46.14 3.57 67.4910 91 HARTFORD FIRE & CAS GRP 1,577 1,297 1341.71 1912.17 3.54 71.02

**STATE TOTAL** 44,601 47,179 86.91 109.13 100.00 100.00. .

Massachusetts 1 38 CHUBB & SON INC GRP 11,362 11,355 45.75 58.17 13.33 13.332 1113 MEDMARK INS GRP 7,927 7,535 177.66 228.19 9.30 22.633 626 ACE LTD GRP 7,899 8,339 18.97 18.70 9.27 31.904 218 CNA INS GRP 7,277 8,108 204.62 250.71 8.54 40.445 212 ZURICH INS GRP 5,094 5,202 -2.84 30.94 5.98 46.426 98 WR BERKLEY CORP GRP 4,811 5,071 34.15 56.37 5.64 52.067 21261 ELECTRIC INS CO 4,336 4,336 22.36 24.38 5.09 57.158 3548 TRAVELERS GRP 4,201 4,682 25.12 -0.08 4.93 62.08




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 12 AMERICAN INTL GRP 3,950 4,749 168.70 350.69 4.63 66.7110 111 LIBERTY MUT GRP 3,109 3,872 196.40 491.13 3.65 70.36

**STATE TOTAL** 85,228 89,761 57.96 96.12 100.00 100.00. .

Michigan 1 761 ALLIANZ INS GRP 8,026 8,156 -346.48 -616.17 11.96 11.962 212 ZURICH INS GRP 5,996 2,683 -272.31 -334.35 8.93 20.893 38 CHUBB & SON INC GRP 5,875 6,196 29.81 43.75 8.75 29.654 218 CNA INS GRP 4,016 4,417 40.59 43.52 5.98 35.635 244 CINCINNATI FIN GRP 3,493 3,243 50.75 64.50 5.21 40.846 12 AMERICAN INTL GRP 3,178 3,696 122.56 59.40 4.74 45.577 3548 TRAVELERS GRP 3,023 3,138 45.52 73.14 4.50 50.088 626 ACE LTD GRP 2,311 2,579 -1.70 18.35 3.44 53.529 242 SELECTIVE INS GRP 2,298 2,201 38.25 55.41 3.42 56.9410 1285 XL AMER GRP 2,224 2,024 33.87 78.23 3.31 60.26

**STATE TOTAL** 67,113 67,053 -96.48 -93.83 100.00 100.00. .

Minnesota 1 38 CHUBB & SON INC GRP 6,601 6,792 15.87 35.81 9.93 9.932 309 WESTERN NATL MUT 6,574 6,875 26.25 41.39 9.89 19.813 218 CNA INS GRP 5,154 4,923 19.12 28.79 7.75 27.574 3548 TRAVELERS GRP 4,001 4,388 10.05 77.15 6.02 33.585 212 ZURICH INS GRP 2,797 -168 N/A N/A 4.21 37.796 7 FEDERATED MUT GRP 2,468 2,585 30.84 38.73 3.71 41.507 1113 MEDMARK INS GRP 2,057 1,579 11.79 19.43 3.09 44.608 111 LIBERTY MUT GRP 2,014 2,030 136.69 141.51 3.03 47.629 98 WR BERKLEY CORP GRP 1,996 2,303 51.15 92.15 3.00 50.6310 785 MARKEL CORP GRP 1,917 1,959 -1.78 16.45 2.88 53.51

**STATE TOTAL** 66,490 68,396 83.38 142.07 100.00 100.00. .

Mississippi 1 212 ZURICH INS GRP 2,656 2,500 -21.50 1.25 14.58 14.582 3548 TRAVELERS GRP 1,791 1,715 18.37 30.43 9.83 24.413 140 NATIONWIDE CORP GRP 1,420 1,463 -15.60 -20.67 7.80 32.214 626 ACE LTD GRP 1,346 969 20.56 36.04 7.39 39.595 111 LIBERTY MUT GRP 1,233 1,177 340.26 465.68 6.77 46.366 218 CNA INS GRP 1,228 1,023 73.73 69.31 6.74 53.107 98 WR BERKLEY CORP GRP 977 1,089 106.40 182.00 5.36 58.468 474 FCCI MUT INS GRP 813 826 18.83 36.36 4.47 62.939 38 CHUBB & SON INC GRP 720 793 -20.35 -135.43 3.95 66.8810 248 UNITED FIRE & CAS GRP 627 589 18.58 -26.49 3.44 70.33

**STATE TOTAL** 18,218 17,702 19.51 39.09 100.00 100.00. .

Missouri 1 212 ZURICH INS GRP 4,544 4,868 34.79 73.18 11.09 11.092 248 UNITED FIRE & CAS GRP 2,716 2,867 130.57 210.71 6.63 17.723 111 LIBERTY MUT GRP 2,686 2,733 210.95 304.31 6.55 24.274 3548 TRAVELERS GRP 2,637 2,506 101.49 164.72 6.44 30.715 218 CNA INS GRP 1,998 1,918 94.83 112.94 4.88 35.586 244 CINCINNATI FIN GRP 1,813 1,537 116.10 131.48 4.42 40.007 38 CHUBB & SON INC GRP 1,678 1,614 33.26 58.21 4.10 44.108 98 WR BERKLEY CORP GRP 1,658 2,032 2.11 63.87 4.05 48.159 140 NATIONWIDE CORP GRP 1,461 1,419 -13.06 -31.99 3.57 51.7110 457 ARGONAUT GRP 1,445 1,270 -42.35 -51.60 3.53 55.24

**STATE TOTAL** 40,983 43,668 53.81 78.41 100.00 100.00. .

Montana 1 3548 TRAVELERS GRP 704 742 -157.94 -388.42 10.30 10.302 98 WR BERKLEY CORP GRP 552 667 32.88 71.07 8.07 18.373 244 CINCINNATI FIN GRP 498 432 24.46 46.83 7.28 25.664 111 LIBERTY MUT GRP 483 359 196.40 150.21 7.06 32.725 62 EMC INS CO GRP 399 485 -16.08 -49.19 5.83 38.556 218 CNA INS GRP 346 324 80.27 102.52 5.06 43.617 84 AMERICAN FINANCIAL GRP 332 562 46.95 47.79 4.86 48.478 38 CHUBB & SON INC GRP 325 348 43.05 57.84 4.75 53.229 140 NATIONWIDE CORP GRP 300 326 10.24 5.44 4.38 57.6010 212 ZURICH INS GRP 293 274 337.41 730.98 4.29 61.89

**STATE TOTAL** 6,840 7,087 9.06 9.46 100.00 100.00. .

Nebraska 1 212 ZURICH INS GRP 4,911 4,722 40.17 48.88 25.08 25.08




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 140 NATIONWIDE CORP GRP 1,290 1,213 23.21 13.25 6.59 31.673 38 CHUBB & SON INC GRP 1,086 1,162 40.05 64.54 5.55 37.214 248 UNITED FIRE & CAS GRP 992 1,011 5.45 44.95 5.06 42.285 62 EMC INS CO GRP 905 894 31.59 -46.76 4.62 46.906 16411 COOPERATIVE MUT INS CO 886 518 53.35 55.60 4.52 51.427 98 WR BERKLEY CORP GRP 861 882 66.77 84.79 4.40 55.828 111 LIBERTY MUT GRP 840 893 40.63 39.77 4.29 60.119 169 SENTRY INS GRP 696 682 110.26 182.19 3.55 63.6610 457 ARGONAUT GRP 635 631 -629.02 -662.24 3.24 66.91

**STATE TOTAL** 19,583 19,350 5.80 9.28 100.00 100.00. .

Nevada 1 38 CHUBB & SON INC GRP 1,561 1,349 75.03 100.83 11.07 11.072 212 ZURICH INS GRP 1,070 2,309 -8.90 -43.31 7.59 18.663 457 ARGONAUT GRP 1,023 1,206 947.25 1166.99 7.25 25.924 91 HARTFORD FIRE & CAS GRP 900 937 -5.27 9.39 6.39 32.305 140 NATIONWIDE CORP GRP 812 762 -35.63 10.63 5.76 38.066 3548 TRAVELERS GRP 742 834 447.01 866.44 5.26 43.327 111 LIBERTY MUT GRP 711 1,397 368.10 839.84 5.05 48.378 21261 ELECTRIC INS CO 710 710 -92.01 -93.98 5.04 53.419 3494 JAMES RIVER GRP 691 836 24.31 43.01 4.90 58.3110 626 ACE LTD GRP 681 1,201 -44.71 -21.13 4.83 63.14

**STATE TOTAL** 14,099 20,832 167.82 294.08 100.00 100.00. .

New Hampshire 1 38 CHUBB & SON INC GRP 1,286 1,066 14.30 -1.44 11.46 11.462 212 ZURICH INS GRP 1,043 1,169 -77.80 -251.67 9.29 20.753 98 WR BERKLEY CORP GRP 907 993 38.31 51.50 8.08 28.824 3548 TRAVELERS GRP 858 1,056 32.76 45.66 7.64 36.475 1113 MEDMARK INS GRP 747 752 2.39 7.60 6.66 43.136 21261 ELECTRIC INS CO 697 697 -5.79 -5.34 6.21 49.347 626 ACE LTD GRP 566 567 29.22 53.97 5.04 54.388 1285 XL AMER GRP 523 425 150.23 162.20 4.66 59.049 91 HARTFORD FIRE & CAS GRP 477 602 -53.16 -23.61 4.25 63.2910 866 WESTERN WORLD GRP 454 478 -24.38 -10.04 4.04 67.34

**STATE TOTAL** 11,223 12,121 18.20 6.95 100.00 100.00. .

New Jersey 1 38 CHUBB & SON INC GRP 22,723 21,372 20.76 49.99 13.45 13.452 212 ZURICH INS GRP 21,341 20,217 100.59 252.71 12.63 26.083 242 SELECTIVE INS GRP 19,084 20,360 86.82 114.49 11.30 37.384 218 CNA INS GRP 15,585 17,555 85.03 144.71 9.22 46.605 761 ALLIANZ INS GRP 10,361 10,344 -26.05 -72.97 6.13 52.746 626 ACE LTD GRP 8,173 8,191 158.93 154.73 4.84 57.577 12 AMERICAN INTL GRP 8,059 11,249 104.36 126.36 4.77 62.358 1113 MEDMARK INS GRP 5,347 5,691 -46.38 225.57 3.16 65.519 111 LIBERTY MUT GRP 5,069 6,242 190.31 255.65 3.00 68.5110 3098 TOKIO MARINE HOLDINGS INC GRP 5,013 4,675 16.06 23.68 2.97 71.48

**STATE TOTAL** 168,942 174,611 55.10 112.90 100.00 100.00. .

New Mexico 1 212 ZURICH INS GRP 1,396 1,375 23.11 17.64 13.25 13.252 3548 TRAVELERS GRP 1,355 1,436 -53.49 -110.17 12.86 26.103 98 WR BERKLEY CORP GRP 811 878 26.37 53.99 7.69 33.804 36 CENTRAL MUT INS CO GRP 805 1,079 140.17 133.99 7.64 41.445 111 LIBERTY MUT GRP 458 586 146.29 163.60 4.35 45.786 38 CHUBB & SON INC GRP 450 359 -5.36 -9.07 4.27 50.057 218 CNA INS GRP 436 463 37.87 60.71 4.13 54.188 21261 ELECTRIC INS CO 429 429 28.99 15.62 4.07 58.259 7 FEDERATED MUT GRP 421 542 15.33 32.24 4.00 62.2510 140 NATIONWIDE CORP GRP 395 424 206.04 231.41 3.75 66.00

**STATE TOTAL** 10,537 11,309 49.04 51.99 100.00 100.00. .

New York 1 212 ZURICH INS GRP 20,831 14,800 -88.43 -139.17 11.48 11.482 38 CHUBB & SON INC GRP 19,853 20,773 32.98 35.73 10.94 22.413 21261 ELECTRIC INS CO 13,353 13,353 15.69 36.12 7.36 29.774 218 CNA INS GRP 13,269 14,810 -14.91 8.56 7.31 37.085 12 AMERICAN INTL GRP 11,870 32,312 206.69 249.92 6.54 43.626 626 ACE LTD GRP 11,068 14,820 278.53 333.05 6.10 49.72




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 111 LIBERTY MUT GRP 8,682 11,004 253.21 367.52 4.78 54.508 3548 TRAVELERS GRP 8,154 8,067 -322.76 -384.64 4.49 59.009 761 ALLIANZ INS GRP 6,250 5,302 916.52 905.10 3.44 62.4410 457 ARGONAUT GRP 6,114 5,845 -3.77 -14.79 3.37 65.81

**STATE TOTAL** 181,504 203,685 63.64 118.88 100.00 100.00. .

North Carolina 1 212 ZURICH INS GRP 7,647 7,328 31.81 60.08 9.96 9.962 111 LIBERTY MUT GRP 7,435 7,224 -0.83 12.02 9.68 19.643 38 CHUBB & SON INC GRP 5,811 6,268 25.18 47.66 7.57 27.204 761 ALLIANZ INS GRP 4,893 4,320 -112.81 -180.17 6.37 33.575 626 ACE LTD GRP 4,817 5,718 13.25 18.26 6.27 39.846 12 AMERICAN INTL GRP 4,400 4,184 150.28 286.88 5.73 45.577 21261 ELECTRIC INS CO 3,900 3,900 27.31 28.67 5.08 50.658 218 CNA INS GRP 3,790 3,917 25.52 35.59 4.93 55.589 3548 TRAVELERS GRP 3,096 3,486 9.55 39.15 4.03 59.6110 242 SELECTIVE INS GRP 2,608 3,036 31.08 45.18 3.40 63.01

**STATE TOTAL** 76,809 79,271 26.21 50.62 100.00 100.00. .

North Dakota 1 3548 TRAVELERS GRP 857 827 7.32 25.42 10.50 10.502 309 WESTERN NATL MUT 660 612 116.34 136.20 8.08 18.583 248 UNITED FIRE & CAS GRP 599 551 57.27 101.01 7.34 25.924 111 LIBERTY MUT GRP 585 543 35.09 63.43 7.16 33.085 84 AMERICAN FINANCIAL GRP 556 548 7.98 -6.56 6.80 39.886 7 FEDERATED MUT GRP 470 472 37.73 36.13 5.75 45.647 62 EMC INS CO GRP 467 477 5.43 -16.49 5.71 51.358 140 NATIONWIDE CORP GRP 452 404 72.58 71.57 5.54 56.899 457 ARGONAUT GRP 439 419 55.86 -107.23 5.37 62.2610 169 SENTRY INS GRP 368 350 -69.04 -35.41 4.51 66.77

**STATE TOTAL** 8,165 7,956 106.78 146.23 100.00 100.00. .

Ohio 1 244 CINCINNATI FIN GRP 11,511 12,103 12.98 41.91 13.20 13.202 212 ZURICH INS GRP 9,094 8,460 20.96 72.52 10.43 23.633 38 CHUBB & SON INC GRP 6,456 7,047 -5.74 -6.17 7.40 31.034 218 CNA INS GRP 6,443 7,213 29.60 54.07 7.39 38.415 175 STATE AUTO MUT GRP 3,175 3,421 16.84 29.53 3.64 42.066 21261 ELECTRIC INS CO 2,934 2,934 41.61 31.98 3.36 45.427 111 LIBERTY MUT GRP 2,892 3,421 263.89 412.39 3.32 48.738 1285 XL AMER GRP 2,824 2,152 71.45 62.12 3.24 51.979 761 ALLIANZ INS GRP 2,780 2,968 -365.26 -517.25 3.19 55.1610 36 CENTRAL MUT INS CO GRP 2,739 2,954 79.24 97.58 3.14 58.30

**STATE TOTAL** 87,213 90,996 25.06 79.71 100.00 100.00. .

Oklahoma 1 84 AMERICAN FINANCIAL GRP 7,094 7,802 -6.56 -3.25 19.10 19.102 38 CHUBB & SON INC GRP 4,099 4,450 51.39 79.39 11.04 30.143 3548 TRAVELERS GRP 3,337 3,393 65.47 103.08 8.98 39.124 212 ZURICH INS GRP 2,400 2,553 -27.31 -16.97 6.46 45.595 111 LIBERTY MUT GRP 1,910 1,956 43.20 66.41 5.14 50.736 23663 NATIONAL AMER INS CO 1,906 2,134 8.89 13.01 5.13 55.867 98 WR BERKLEY CORP GRP 1,832 1,941 201.85 269.90 4.93 60.798 457 ARGONAUT GRP 1,331 1,367 62.52 75.10 3.58 64.379 761 ALLIANZ INS GRP 1,123 1,601 109.87 109.63 3.02 67.4010 626 ACE LTD GRP 1,018 612 131.94 165.99 2.74 70.14

**STATE TOTAL** 37,139 39,548 34.47 45.86 100.00 100.00. .

Oregon 1 761 ALLIANZ INS GRP 3,203 3,882 -178.92 -132.83 12.22 12.222 111 LIBERTY MUT GRP 3,096 2,876 61.41 73.96 11.82 24.043 38 CHUBB & SON INC GRP 2,488 2,690 65.92 66.79 9.50 33.544 98 WR BERKLEY CORP GRP 2,013 2,582 54.93 77.84 7.69 41.235 3617 FIRST MERCURY FIN GRP 1,576 1,524 47.02 46.20 6.02 47.246 626 ACE LTD GRP 1,434 1,094 159.25 202.61 5.47 52.727 3548 TRAVELERS GRP 1,372 1,293 161.68 227.84 5.24 57.968 785 MARKEL CORP GRP 1,121 1,148 -15.40 -9.05 4.28 62.249 140 NATIONWIDE CORP GRP 895 1,031 262.44 326.99 3.42 65.6510 218 CNA INS GRP 866 1,053 52.64 69.30 3.31 68.96

**STATE TOTAL** 26,197 29,331 41.99 66.25 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Pennsylvania 1 212 ZURICH INS GRP 15,653 12,343 47.88 112.88 12.45 12.45

2 38 CHUBB & SON INC GRP 10,482 11,303 40.14 53.90 8.34 20.793 111 LIBERTY MUT GRP 9,734 10,665 191.89 250.71 7.74 28.534 218 CNA INS GRP 7,915 9,567 15.10 41.69 6.30 34.825 3548 TRAVELERS GRP 6,467 6,118 102.86 146.81 5.14 39.976 626 ACE LTD GRP 6,405 5,366 4256.97 9059.31 5.09 45.067 761 ALLIANZ INS GRP 6,392 7,539 -130.09 -269.36 5.08 50.158 21261 ELECTRIC INS CO 6,030 6,030 8.02 9.69 4.80 54.949 242 SELECTIVE INS GRP 5,927 6,467 123.03 155.23 4.71 59.6610 271 PENNSYLVANIA NATL INS GRP 4,650 4,873 25.06 40.63 3.70 63.35

**STATE TOTAL** 125,730 131,805 173.98 414.20 100.00 100.00. .

Rhode Island 1 38 CHUBB & SON INC GRP 1,540 1,614 115.53 88.02 15.96 15.962 242 SELECTIVE INS GRP 1,250 1,372 49.70 62.08 12.96 28.923 212 ZURICH INS GRP 1,230 1,479 -4.82 33.00 12.75 41.674 98 WR BERKLEY CORP GRP 812 790 -0.34 12.20 8.42 50.105 111 LIBERTY MUT GRP 786 789 39.11 46.60 8.15 58.246 3548 TRAVELERS GRP 696 622 -215.21 -593.40 7.21 65.467 91 HARTFORD FIRE & CAS GRP 362 432 145.61 246.58 3.75 69.218 218 CNA INS GRP 252 309 382.94 729.27 2.62 71.829 62 EMC INS CO GRP 226 283 70.62 102.64 2.35 74.1710 3786 ENDURANCE GRP 208 214 56.97 63.51 2.15 76.32

**STATE TOTAL** 9,645 10,302 23.41 13.75 100.00 100.00. .

South Carolina 1 21261 ELECTRIC INS CO 2,872 2,872 85.74 97.09 10.06 10.062 212 ZURICH INS GRP 2,549 2,646 -84.71 -55.62 8.93 18.983 111 LIBERTY MUT GRP 2,368 2,351 60.58 72.67 8.29 27.284 242 SELECTIVE INS GRP 1,986 2,175 59.73 96.22 6.96 34.235 1285 XL AMER GRP 1,274 1,119 64.32 93.08 4.46 38.706 3548 TRAVELERS GRP 1,266 1,095 263.61 325.05 4.43 43.137 91 HARTFORD FIRE & CAS GRP 1,070 1,024 -6.79 12.41 3.75 46.888 38 CHUBB & SON INC GRP 1,044 1,130 -6.56 11.32 3.66 50.539 98 WR BERKLEY CORP GRP 985 1,663 13.18 30.85 3.45 53.9810 517 HANNOVER GRP 817 833 20.70 27.84 2.86 56.84

**STATE TOTAL** 28,554 30,498 76.94 113.89 100.00 100.00. .

South Dakota 1 248 UNITED FIRE & CAS GRP 1,394 1,273 120.50 175.62 20.61 20.612 14184 ACUITY A MUT INS CO 493 570 -9.41 69.96 7.29 27.893 7 FEDERATED MUT GRP 455 526 57.13 83.23 6.72 34.624 3548 TRAVELERS GRP 383 442 2.02 47.03 5.66 40.285 244 CINCINNATI FIN GRP 332 279 -4.86 6.59 4.90 45.186 91 HARTFORD FIRE & CAS GRP 319 320 -16.11 -16.26 4.72 49.907 140 NATIONWIDE CORP GRP 284 311 -23.42 -34.09 4.19 54.098 62 EMC INS CO GRP 281 270 -19.19 -41.84 4.15 58.249 98 WR BERKLEY CORP GRP 270 334 139.82 186.49 3.99 62.2310 21261 ELECTRIC INS CO 242 242 -7.63 2.18 3.57 65.81

**STATE TOTAL** 6,767 7,112 37.50 60.11 100.00 100.00. .

Tennessee 1 212 ZURICH INS GRP 5,038 4,628 49.68 71.78 10.62 10.622 218 CNA INS GRP 3,406 3,872 189.04 216.14 7.18 17.803 517 HANNOVER GRP 3,172 3,099 29.72 38.58 6.69 24.494 761 ALLIANZ INS GRP 2,965 2,921 55.82 31.55 6.25 30.745 38 CHUBB & SON INC GRP 2,756 2,542 45.35 111.92 5.81 36.556 111 LIBERTY MUT GRP 2,721 2,594 82.34 80.05 5.74 42.297 626 ACE LTD GRP 2,243 2,246 2.35 -24.29 4.73 47.018 3548 TRAVELERS GRP 2,064 2,444 -20.45 36.62 4.35 51.369 785 MARKEL CORP GRP 1,670 1,676 18.29 32.09 3.52 54.8910 98 WR BERKLEY CORP GRP 1,669 1,969 68.31 110.42 3.52 58.41

**STATE TOTAL** 47,434 49,153 40.67 54.77 100.00 100.00. .

Texas 1 3548 TRAVELERS GRP 17,943 17,940 -13.05 -32.73 9.05 9.052 98 WR BERKLEY CORP GRP 14,600 17,346 38.86 84.87 7.37 16.423 212 ZURICH INS GRP 12,780 13,229 -41.60 -64.66 6.45 22.864 84 AMERICAN FINANCIAL GRP 11,121 14,742 4.27 16.14 5.61 28.48




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 38 CHUBB & SON INC GRP 10,879 11,279 31.82 42.25 5.49 33.966 111 LIBERTY MUT GRP 10,608 12,446 178.99 206.41 5.35 39.327 626 ACE LTD GRP 10,251 8,341 110.89 50.29 5.17 44.498 457 ARGONAUT GRP 8,929 9,095 59.60 49.32 4.50 48.999 91 HARTFORD FIRE & CAS GRP 8,857 8,415 -71.90 -45.30 4.47 53.4610 218 CNA INS GRP 7,986 7,675 61.47 49.73 4.03 57.49

**STATE TOTAL** 198,216 211,684 -14.30 -14.53 100.00 100.00. .

Utah 1 785 MARKEL CORP GRP 2,760 2,973 -13.85 -6.56 11.24 11.242 38 CHUBB & SON INC GRP 2,727 2,699 106.94 208.70 11.10 22.343 218 CNA INS GRP 2,075 2,055 -26.91 7.64 8.45 30.794 3548 TRAVELERS GRP 2,040 2,093 116.26 255.07 8.31 39.105 84 AMERICAN FINANCIAL GRP 1,198 1,611 42.47 81.03 4.88 43.986 98 WR BERKLEY CORP GRP 1,174 1,333 12.87 31.80 4.78 48.767 175 STATE AUTO MUT GRP 1,089 1,413 56.73 93.47 4.44 53.208 1285 XL AMER GRP 1,035 1,170 106.09 178.96 4.22 57.419 140 NATIONWIDE CORP GRP 1,024 1,065 90.21 97.17 4.17 61.5810 244 CINCINNATI FIN GRP 1,006 869 59.35 86.14 4.09 65.68

**STATE TOTAL** 24,557 27,489 34.12 69.86 100.00 100.00. .

Vermont 1 21261 ELECTRIC INS CO 1,260 1,260 -7.86 -4.37 21.00 21.002 98 WR BERKLEY CORP GRP 541 580 12.56 8.42 9.01 30.013 111 LIBERTY MUT GRP 528 475 44.27 47.85 8.80 38.814 244 CINCINNATI FIN GRP 435 381 89.00 116.55 7.26 46.075 3548 TRAVELERS GRP 422 404 -29.43 -96.66 7.04 53.106 218 CNA INS GRP 347 346 22.64 31.36 5.78 58.887 10476 STICO MUT INS CO RRG 267 164 39.39 72.71 4.46 63.348 517 HANNOVER GRP 247 247 -19.13 -28.17 4.11 67.459 38 CHUBB & SON INC GRP 238 389 30.88 37.86 3.96 71.4210 626 ACE LTD GRP 195 98 1070.00 1371.64 3.25 74.67

**STATE TOTAL** 5,999 6,056 33.61 16.56 100.00 100.00. .

Virginia 1 212 ZURICH INS GRP 4,622 4,617 -0.57 -21.51 9.37 9.372 218 CNA INS GRP 4,402 4,527 389.29 419.96 8.93 18.303 242 SELECTIVE INS GRP 3,749 4,079 16.63 30.45 7.60 25.904 38 CHUBB & SON INC GRP 3,075 2,878 -8.44 4.84 6.24 32.135 3548 TRAVELERS GRP 2,821 2,627 -24.80 35.31 5.72 37.856 111 LIBERTY MUT GRP 2,519 3,108 99.60 89.89 5.11 42.967 21261 ELECTRIC INS CO 1,878 1,878 -3.62 -3.45 3.81 46.778 12260 CAMPMED CAS & IND CO INC MD 1,674 1,929 38.00 94.17 3.39 50.169 244 CINCINNATI FIN GRP 1,507 1,416 64.00 90.94 3.06 53.2210 98 WR BERKLEY CORP GRP 1,450 1,654 54.63 57.64 2.94 56.16

**STATE TOTAL** 49,321 51,197 269.32 280.35 100.00 100.00. .

Washington 1 3617 FIRST MERCURY FIN GRP 5,870 6,464 16.95 -9.60 11.70 11.702 218 CNA INS GRP 4,415 6,562 13.26 20.22 8.80 20.503 111 LIBERTY MUT GRP 4,017 3,777 14.85 35.94 8.01 28.514 38 CHUBB & SON INC GRP 4,000 4,270 31.15 38.36 7.97 36.485 140 NATIONWIDE CORP GRP 3,564 4,193 70.86 97.56 7.10 43.586 626 ACE LTD GRP 2,384 2,016 217.63 324.53 4.75 48.337 212 ZURICH INS GRP 2,077 2,511 98.95 70.02 4.14 52.478 98 WR BERKLEY CORP GRP 2,063 2,591 22.21 39.26 4.11 56.599 3548 TRAVELERS GRP 1,773 1,999 -219.86 -305.43 3.53 60.1210 12 AMERICAN INTL GRP 1,661 4,669 45.08 54.58 3.31 63.43

**STATE TOTAL** 50,172 60,635 14.28 5.47 100.00 100.00. .

West Virginia 1 3548 TRAVELERS GRP 1,571 1,480 123.11 157.36 14.12 14.122 212 ZURICH INS GRP 1,467 -2,121 N/A N/A 13.18 27.303 218 CNA INS GRP 900 936 -22.31 -17.31 8.09 35.394 175 STATE AUTO MUT GRP 635 593 27.91 51.28 5.71 41.095 21261 ELECTRIC INS CO 599 599 37.32 61.92 5.39 46.486 98 WR BERKLEY CORP GRP 526 903 21.97 31.27 4.73 51.217 244 CINCINNATI FIN GRP 499 440 233.75 251.18 4.48 55.698 140 NATIONWIDE CORP GRP 360 393 42.96 39.88 3.23 58.939 84 AMERICAN FINANCIAL GRP 342 305 14.56 13.06 3.07 62.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 91 HARTFORD FIRE & CAS GRP 328 336 19.25 91.50 2.95 64.95**STATE TOTAL** 11,127 8,336 168.42 213.17 100.00 100.00

. .Wisconsin 1 21261 ELECTRIC INS CO 6,357 6,357 3.15 3.31 10.63 10.63

2 1243 WEST BEND MUT GRP 4,260 4,160 35.36 66.86 7.12 17.753 212 ZURICH INS GRP 3,532 3,703 135.68 144.61 5.91 23.654 38 CHUBB & SON INC GRP 3,311 3,533 87.28 93.61 5.54 29.195 761 ALLIANZ INS GRP 3,214 3,236 100.81 57.19 5.37 34.566 244 CINCINNATI FIN GRP 3,186 2,935 44.52 68.92 5.33 39.897 111 LIBERTY MUT GRP 3,001 2,738 -71.12 910.33 5.02 44.918 3219 SOMPO JAPAN INS GRP 2,280 2,258 -60.18 -82.33 3.81 48.729 14184 ACUITY A MUT INS CO 2,240 2,401 -8.50 -38.34 3.74 52.4610 169 SENTRY INS GRP 2,218 2,289 13.85 71.44 3.71 56.17

**STATE TOTAL** 59,817 63,687 43.57 108.87 100.00 100.00. .

Wyoming 1 3548 TRAVELERS GRP 2,016 2,780 25.99 36.00 30.24 30.242 248 UNITED FIRE & CAS GRP 723 850 112.43 177.58 10.85 41.083 98 WR BERKLEY CORP GRP 613 593 110.37 185.27 9.20 50.284 457 ARGONAUT GRP 469 472 -64.14 -91.86 7.04 57.325 38 CHUBB & SON INC GRP 385 413 -225.00 -223.59 5.78 63.106 84 AMERICAN FINANCIAL GRP 384 479 -13.35 -17.67 5.76 68.867 111 LIBERTY MUT GRP 299 342 40.80 35.42 4.49 73.348 62 EMC INS CO GRP 201 266 -30.61 -71.33 3.02 76.369 140 NATIONWIDE CORP GRP 174 163 11.52 13.93 2.61 78.9810 626 ACE LTD GRP 168 87 78.69 13.67 2.52 81.50

**STATE TOTAL** 6,667 8,056 20.76 31.56 100.00 100.00. .

Guam 1 12633 CENTURY INS CO GU LTD 1,565 649 13.09 27.30 96.40 96.402 4672 DONGBU INS GRP 42 43 6.80 12.33 2.59 98.993 10972 FIRST NET INS CO 13 13 0.00 0.00 0.83 99.82

**STATE TOTAL** 1,623 707 12.36 25.77 100.00 100.00. .

Puerto Rico 1 12 AMERICAN INTL GRP 852 899 5.02 28.55 21.52 21.522 21261 ELECTRIC INS CO 836 836 -51.45 -4.00 21.12 42.643 3098 TOKIO MARINE HOLDINGS INC GRP 705 698 5.23 83.45 17.80 60.444 71 UNIVERSAL INS CO GRP 580 502 0.00 0.00 14.65 75.095 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 247 275 3.99 8.75 6.25 81.346 40568 TRIPLE S PROPIEDAD INC 229 253 4.99 4.99 5.77 87.117 26778 INTEGRAND ASSUR CO 171 212 -14.17 -13.72 4.32 91.438 10308 ANTILLES INS CO 115 113 34.98 35.94 2.92 94.359 111 LIBERTY MUT GRP 93 87 32.69 31.95 2.34 96.6910 10140 OPTIMA INS CO 79 70 44.30 44.30 2.00 98.69

**STATE TOTAL** 3,959 4,028 -22.82 -0.63 100.00 100.00. .

U.S. Virgin Islands 1 626 ACE LTD GRP 1,943 1,963 0.02 5.82 86.41 86.412 98 WR BERKLEY CORP GRP 287 272 38.54 79.11 12.76 99.183 3548 TRAVELERS GRP 11 11 47.24 58.49 0.49 99.674 920 UNITED AMER IND GRP 2 4 342.04 449.71 0.10 99.775 111 LIBERTY MUT GRP 2 1 -840.93 -497.03 0.07 99.846 12 AMERICAN INTL GRP 1 1 -104.78 -104.78 0.06 99.90

**STATE TOTAL** 2,248 2,260 4.57 15.53 100.00 100.00. .

N. Mariana Islands **STATE TOTAL** -0 -0 N/A N/A 100.00 100.00. .

Canada 1 3548 TRAVELERS GRP 55,637 57,798 25.95 48.60 80.63 80.632 761 ALLIANZ INS GRP 9,277 8,840 -480.94 -470.63 13.44 94.083 21261 ELECTRIC INS CO 3,061 3,061 118.35 147.94 4.44 98.514 1279 ARCH INS GRP 396 689 39.82 42.22 0.57 99.095 1113 MEDMARK INS GRP 269 281 -8.36 -3.65 0.39 99.486 111 LIBERTY MUT GRP 221 128 531.93 690.11 0.32 99.79

**STATE TOTAL** 69,002 71,728 -32.63 -11.59 100.00 100.00. .

Aggregate Other Alien 1 626 ACE LTD GRP 35,190 36,223 -1212.72 -1997.34 36.34 36.342 38 CHUBB & SON INC GRP 30,252 32,540 8.02 23.17 31.24 67.583 3548 TRAVELERS GRP 8,408 9,114 40.53 55.38 8.68 76.26




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 218 CNA INS GRP 7,118 7,363 14.15 23.44 7.35 83.615 1285 XL AMER GRP 4,389 3,172 374.93 393.61 4.53 88.146 111 LIBERTY MUT GRP 2,710 1,629 2.86 16.93 2.80 90.947 212 ZURICH INS GRP 2,545 2,218 228.42 8504.71 2.63 93.578 1113 MEDMARK INS GRP 2,316 2,470 -35.15 -45.99 2.39 95.969 12 AMERICAN INTL GRP 2,308 4,655 94.70 82.36 2.38 98.3410 181 SWISS RE GRP 867 530 -115.85 -153.65 0.89 99.24

**STATE TOTAL** 96,843 100,628 -412.06 -503.83 100.00 100.00. .




19.1, 19.2— Private Passenger Auto Liability



States, U.S. Territories, Canada, and Aggregate Other Alien19.1,19.2-Private Passenger Auto Liability



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 176 STATE FARM GRP 18,444,686 18,248,501 79.21 84.53 18.76 18.762 8 ALLSTATE INS GRP 9,858,847 9,884,059 67.28 71.77 10.03 28.783 31 BERKSHIRE HATHAWAY GRP 8,414,545 8,283,838 72.34 76.88 8.56 37.344 155 PROGRESSIVE GRP 7,683,349 7,577,989 66.46 68.71 7.81 45.155 212 ZURICH INS GRP 6,301,549 6,373,116 56.33 59.77 6.41 51.566 140 NATIONWIDE CORP GRP 4,520,320 4,557,817 68.57 70.89 4.60 56.167 111 LIBERTY MUT GRP 4,285,820 4,255,405 60.17 63.41 4.36 60.528 200 UNITED SERV AUTOMOBILE ASSN GRP 3,692,312 3,609,103 70.34 73.68 3.75 64.279 3548 TRAVELERS GRP 2,130,666 2,162,815 58.55 63.99 2.17 66.4410 473 AMERICAN FAMILY INS GRP 1,871,906 1,873,537 64.62 69.82 1.90 68.3411 91 HARTFORD FIRE & CAS GRP 1,685,868 1,666,546 69.25 72.01 1.71 70.0512 660 MERCURY GEN GRP 1,254,316 1,266,591 50.57 59.14 1.28 71.3313 241 METROPOLITAN GRP 1,169,439 1,178,001 63.95 66.81 1.19 72.5214 1318 AUTO CLUB ENTERPRISES INS GRP 1,100,116 1,107,179 51.29 54.72 1.12 73.6415 213 ERIE INS GRP 1,093,552 1,096,599 69.94 73.21 1.11 74.7516 1278 CALIFORNIA STATE AUTO GRP 954,524 956,759 62.38 65.32 0.97 75.7217 215 UNITRIN GRP 868,786 890,713 66.71 69.84 0.88 76.6018 816 COMMERCE INC GRP 806,375 818,829 63.48 67.76 0.82 77.4219 280 AUTO OWNERS GRP 747,711 719,827 135.65 140.21 0.76 78.1820 12 AMERICAN INTL GRP 730,414 898,585 63.20 64.62 0.74 78.9321 1129 WHITE MOUNTAINS GRP 691,022 704,452 71.23 76.52 0.70 79.6322 169 SENTRY INS GRP 681,894 681,616 57.72 59.84 0.69 80.3223 79 GMAC INS HOLDING GRP 680,065 684,841 78.44 81.28 0.69 81.0224 55 AUTOMOBILE CLUB MI GRP 651,743 652,073 121.42 126.97 0.66 81.6825 88 THE HANOVER INS GRP 607,285 613,153 74.17 77.00 0.62 82.3026 50 COUNTRY INS & FIN SERV GRP 584,584 579,957 63.41 65.91 0.59 82.8927 28 AMICA MUT GRP 549,312 537,716 59.48 62.81 0.56 83.4528 3495 INFINITY PROP & CAS INS GRP 510,869 510,400 61.42 62.77 0.52 83.9729 708 NEW JERSEY MANUFACTURERS GRP 496,798 496,756 72.62 83.19 0.51 84.4730 1227 PALISADES GRP 402,149 393,438 77.34 80.24 0.41 84.8831 267 GRANGE MUT CAS GRP 388,149 377,955 66.39 68.40 0.39 85.2832 483 SOUTHERN FARM BUREAU CAS GRP 374,205 376,529 71.99 74.96 0.38 85.6633 175 STATE AUTO MUT GRP 366,504 346,422 62.39 67.50 0.37 86.0334 123 SHELTER INS GRP 366,326 362,477 71.86 75.49 0.37 86.4035 5 ALFA INS GRP 339,027 326,919 58.18 60.97 0.34 86.7536 29378 OLD AMER CNTY MUT FIRE INS CO 318,919 306,897 76.40 81.70 0.32 87.0737 4 AMERIPRISE FIN GRP 317,401 313,047 70.49 75.99 0.32 87.3938 796 QBE INS GRP 306,944 294,827 65.36 69.58 0.31 87.7139 408 AMERICAN NATL FIN GRP 285,543 285,820 76.89 83.14 0.29 88.0040 109 KENTUCKY FARM BUREAU GRP 265,243 262,459 82.42 84.29 0.27 88.2741 694 TENNESSEE FARMERS GRP 265,078 263,779 75.95 79.62 0.27 88.5442 1213 DIRECT GEN GRP 259,039 265,154 85.82 89.20 0.26 88.8043 324 NORTH CAROLINA FARM BUREAU GRP 258,970 253,242 65.95 66.97 0.26 89.0644 25405 SAFE AUTO INS CO 249,667 246,134 58.70 60.82 0.25 89.3245 809 TEXAS FARM BUREAU MUT GRP 244,112 240,304 68.58 70.02 0.25 89.5746 188 SAFETY GRP 243,766 245,163 59.53 61.67 0.25 89.8147 3702 LOYA GRP 234,960 232,076 61.60 72.95 0.24 90.0548 1326 KINGSWAY GRP 226,385 258,169 73.65 83.22 0.23 90.2849 3179 HOME STATE INS GRP 215,353 209,663 62.31 65.75 0.22 90.5050 300 HORACE MANN GRP 214,080 211,905 70.52 72.75 0.22 90.7251 38 CHUBB & SON INC GRP 211,307 219,267 52.25 51.91 0.21 90.9352 586 ARBELLA INS GRP 208,695 213,304 57.29 59.49 0.21 91.1553 513 IOWA FARM BUREAU GRP 207,335 200,509 64.22 65.97 0.21 91.3654 3596 AFFIRMATIVE INS GRP 202,247 203,013 77.85 83.87 0.21 91.5655 228 WESTFIELD GRP 189,918 192,297 62.02 65.69 0.19 91.7656 2518 CENTRAL SERV GRP 182,273 175,782 59.16 61.15 0.19 91.9457 244 CINCINNATI FIN GRP 182,070 179,471 62.33 66.25 0.19 92.1358 1235 UNITED AUTOMOBILE INS GRP 168,207 175,164 56.04 56.38 0.17 92.3059 210 TITUS GRP 167,085 171,476 59.44 59.87 0.17 92.4760 3489 DELEK GRP 158,181 154,424 76.52 80.65 0.16 92.6361 3638 PGC HOLDING CORP GRP 157,771 154,868 61.03 61.54 0.16 92.7962 415 PLYMOUTH ROCK INS GRP 153,916 156,953 67.33 67.05 0.16 92.9463 257 SAFEWAY INS GRP 148,839 149,288 56.32 58.05 0.15 93.1064 157 PUBLIC EMPLOYEES GRP 146,132 145,554 64.33 66.42 0.15 93.2465 11711 ACCESS INS CO 142,759 138,120 73.59 73.99 0.15 93.39




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 1179 WAWANESA INS GRP 142,487 137,229 86.73 89.88 0.14 93.5367 542 INDIANA FARM BUREAU GRP 140,551 139,712 64.75 67.80 0.14 93.6868 40150 MGA INS CO INC 139,340 144,710 68.82 72.38 0.14 93.8269 3678 AMERICAN INDEPENDENT INS GRP 138,588 142,480 57.90 50.88 0.14 93.9670 561 GEORGIA FARM BUREAU GRP 135,118 136,009 71.62 74.19 0.14 94.1071 33 CALIFORNIA CAS MGMT GRP 131,479 132,553 65.52 71.19 0.13 94.2372 311 MAIN STREET AMER GRP 130,886 129,797 60.73 62.64 0.13 94.3673 67 MICHIGAN FARM BUREAU GRP 130,298 128,261 111.46 119.85 0.13 94.5074 3362 FIRST ACCEPTANCE INS GRP 114,642 120,003 59.85 62.02 0.12 94.6175 771 AAA MID ATLANTIC INS GRP 111,438 110,810 79.91 83.85 0.11 94.7376 291 MOTORISTS MUT GRP 105,855 104,167 52.80 57.52 0.11 94.8377 36 CENTRAL MUT INS CO GRP 102,762 98,679 62.93 66.92 0.10 94.9478 761 ALLIANZ INS GRP 98,527 102,323 33.97 37.11 0.10 95.0479 922 AMERICAN ASSETS GRP 97,593 73,015 65.14 66.75 0.10 95.1480 242 SELECTIVE INS GRP 97,000 96,657 74.11 78.69 0.10 95.2481 250 DONEGAL GRP 96,045 92,816 73.63 75.59 0.10 95.3382 333 MUTUAL OF ENUMCLAW GRP 93,669 90,099 81.64 91.17 0.10 95.4383 1243 WEST BEND MUT GRP 91,616 88,160 73.27 75.84 0.09 95.5284 153 PEKIN INS GRP 83,092 80,061 62.50 63.73 0.08 95.6185 14184 ACUITY A MUT INS CO 82,121 78,285 65.92 68.40 0.08 95.6986 271 PENNSYLVANIA NATL INS GRP 76,854 75,137 60.09 64.45 0.08 95.7787 1309 FRANKENMUTH GRP 76,201 71,983 59.53 61.53 0.08 95.8588 12223 SANTA FE AUTO INS CO 74,505 57,142 51.14 56.39 0.08 95.9289 11558 ASSURANCEAMERICA INS CO 74,040 71,471 86.37 92.07 0.08 96.0090 10839 COUNTRYWIDE INS CO 73,046 73,051 55.33 71.55 0.07 96.0791 220 OKLAHOMA FARM BUREAU GRP 71,892 71,288 83.13 85.45 0.07 96.1592 10807 ACCC INS CO 71,455 71,026 62.26 73.13 0.07 96.2293 518 GRINNELL MUT GRP 66,449 65,083 45.81 48.71 0.07 96.2994 533 SOUTH CAROLINA FARM BUREAU MUT GRP 64,595 65,127 65.96 67.50 0.07 96.3595 253 HARLEYSVILLE GRP 64,523 60,605 63.37 66.87 0.07 96.4296 21261 ELECTRIC INS CO 63,728 65,172 62.81 69.93 0.06 96.4897 10730 AMERICAN ACCESS CAS CO 60,902 56,104 51.47 52.50 0.06 96.5498 12583 ADIRONDACK INS EXCH 60,576 61,477 65.75 72.47 0.06 96.6199 4051 OCEAN HARBOR GRP 59,084 58,923 73.58 74.67 0.06 96.67100 4256 ANCHOR INS HOLDINGS GRP 58,350 44,882 71.09 76.20 0.06 96.72101 1275 QUINCY MUT GRP 56,942 56,449 70.28 70.28 0.06 96.78102 203 VIRGINIA FARM BUREAU GRP 56,805 57,042 55.89 56.20 0.06 96.84103 10920 ALLIANCE UNITED INS CO 53,552 48,612 69.86 74.76 0.05 96.89104 303 GUIDEONE INS GRP 51,490 52,080 57.00 61.40 0.05 96.95105 171 GERMANIA INS GRP 51,441 48,150 63.06 65.30 0.05 97.00106 18309 PIONEER STATE MUT INS CO 51,206 49,624 69.52 71.78 0.05 97.05107 62 EMC INS CO GRP 51,014 43,448 62.20 64.43 0.05 97.10108 14176 HASTINGS MUT INS CO 50,305 47,708 74.14 79.38 0.05 97.15109 10783 CORNERSTONE NATL INS CO 50,213 48,307 74.56 75.43 0.05 97.21110 33545 SEMINOLE CAS INS CO 49,855 48,815 74.80 80.51 0.05 97.26111 178 NATIONWIDE FUND GRP 48,966 49,315 59.70 65.85 0.05 97.31112 3478 HALLMARK FIN SERV GRP 47,529 44,553 65.23 69.61 0.05 97.35113 273 WORKMENS GRP 45,173 42,310 50.27 54.93 0.05 97.40114 45 CONCORD GRP 44,967 44,717 65.28 66.61 0.05 97.45115 13889 FARMERS MUT INS CO OF NE 40,825 40,532 62.23 63.02 0.04 97.49116 225 IAT REINS CO GRP 40,728 29,759 92.95 99.71 0.04 97.53117 963 OHIO MUT GRP 40,093 39,450 57.09 58.46 0.04 97.57118 1281 BANKAMERICA CORP GRP 39,823 52,236 62.98 66.66 0.04 97.61119 842 FARM BUREAU GRP 39,328 38,770 58.31 59.14 0.04 97.65120 207 WESTERN RESERVE 37,277 36,756 67.96 68.29 0.04 97.69121 96 SECURA INS GRP 37,246 36,952 56.59 60.61 0.04 97.73122 22624 INDIANA FARMERS MUT INS CO 37,201 36,914 61.40 63.05 0.04 97.76123 13471 BEAR RIVER MUT INS CO 37,198 36,725 64.84 64.24 0.04 97.80124 309 WESTERN NATL MUT 36,761 35,136 55.67 58.62 0.04 97.84125 254 SOUTHERN GEN GRP 35,817 37,407 76.78 82.74 0.04 97.88

**INDUSTRY TOTAL** 98,337,355 97,894,408 69.04 73.03 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 176 STATE FARM GRP 287,262 287,840 62.81 67.71 24.00 24.002 5 ALFA INS GRP 200,963 199,176 57.28 59.15 16.79 40.793 8 ALLSTATE INS GRP 111,263 111,641 63.18 65.61 9.30 50.084 155 PROGRESSIVE GRP 87,740 87,231 55.57 57.88 7.33 57.415 31 BERKSHIRE HATHAWAY GRP 85,058 83,916 56.46 59.96 7.11 64.526 140 NATIONWIDE CORP GRP 63,654 65,099 59.26 61.22 5.32 69.847 212 ZURICH INS GRP 56,376 55,715 60.35 65.02 4.71 74.558 200 UNITED SERV AUTOMOBILE ASSN GRP 48,044 46,171 81.62 85.23 4.01 78.569 111 LIBERTY MUT GRP 31,960 32,228 58.22 60.12 2.67 81.2310 3548 TRAVELERS GRP 29,046 29,274 55.68 59.81 2.43 83.66

**STATE TOTAL** 1,196,967 1,193,044 61.26 64.51 100.00 100.00. .

Alaska 1 176 STATE FARM GRP 68,795 67,583 74.79 78.59 27.65 27.652 31 BERKSHIRE HATHAWAY GRP 49,486 49,936 61.85 65.27 19.89 47.543 8 ALLSTATE INS GRP 36,885 36,963 52.59 56.81 14.83 62.374 155 PROGRESSIVE GRP 28,872 28,605 46.90 47.32 11.61 73.975 200 UNITED SERV AUTOMOBILE ASSN GRP 28,113 27,485 65.72 69.22 11.30 85.276 111 LIBERTY MUT GRP 10,201 10,577 26.73 26.00 4.10 89.377 91 HARTFORD FIRE & CAS GRP 7,514 7,548 72.93 74.98 3.02 92.398 50 COUNTRY INS & FIN SERV GRP 7,349 7,299 45.34 48.86 2.95 95.359 300 HORACE MANN GRP 4,897 4,812 80.70 83.69 1.97 97.3110 212 ZURICH INS GRP 2,552 1,634 118.01 127.33 1.03 98.34

**STATE TOTAL** 248,792 247,832 62.25 65.87 100.00 100.00. .

Arizona 1 176 STATE FARM GRP 321,254 321,442 59.00 63.97 16.26 16.262 212 ZURICH INS GRP 255,882 263,178 41.76 42.80 12.95 29.203 155 PROGRESSIVE GRP 184,587 180,301 54.97 56.43 9.34 38.544 8 ALLSTATE INS GRP 175,842 181,394 54.99 56.48 8.90 47.445 31 BERKSHIRE HATHAWAY GRP 160,400 159,171 65.29 68.02 8.12 55.566 473 AMERICAN FAMILY INS GRP 138,589 142,865 58.26 60.91 7.01 62.577 200 UNITED SERV AUTOMOBILE ASSN GRP 116,632 111,317 66.72 69.77 5.90 68.478 91 HARTFORD FIRE & CAS GRP 81,261 79,034 56.43 57.97 4.11 72.589 111 LIBERTY MUT GRP 62,460 64,013 65.49 66.20 3.16 75.7410 140 NATIONWIDE CORP GRP 45,412 48,095 55.01 55.58 2.30 78.04

**STATE TOTAL** 1,976,306 1,984,148 56.88 59.26 100.00 100.00. .

Arkansas 1 176 STATE FARM GRP 185,504 184,625 59.76 61.82 23.27 23.272 483 SOUTHERN FARM BUREAU CAS GRP 101,874 102,303 73.34 75.04 12.78 36.063 123 SHELTER INS GRP 65,797 65,409 68.13 70.45 8.26 44.314 212 ZURICH INS GRP 59,144 59,978 54.15 59.02 7.42 51.735 8 ALLSTATE INS GRP 49,531 49,561 66.80 70.30 6.21 57.956 155 PROGRESSIVE GRP 47,909 48,481 55.23 55.63 6.01 63.967 140 NATIONWIDE CORP GRP 39,909 40,158 54.75 55.56 5.01 68.968 31 BERKSHIRE HATHAWAY GRP 34,569 32,749 66.82 68.66 4.34 73.309 200 UNITED SERV AUTOMOBILE ASSN GRP 28,315 27,642 37.80 36.47 3.55 76.8510 91 HARTFORD FIRE & CAS GRP 18,211 17,974 66.29 67.21 2.28 79.14

**STATE TOTAL** 797,028 794,312 61.54 63.67 100.00 100.00. .

California 1 212 ZURICH INS GRP 1,669,808 1,671,607 54.98 58.18 15.47 15.472 176 STATE FARM GRP 1,366,067 1,363,460 66.29 72.12 12.65 28.123 8 ALLSTATE INS GRP 962,689 951,331 63.65 68.33 8.92 37.044 660 MERCURY GEN GRP 952,783 970,078 45.57 51.71 8.83 45.865 1318 AUTO CLUB ENTERPRISES INS GRP 887,603 905,245 48.23 51.85 8.22 54.086 1278 CALIFORNIA STATE AUTO GRP 760,308 769,602 59.66 62.73 7.04 61.137 31 BERKSHIRE HATHAWAY GRP 549,687 537,014 59.24 61.87 5.09 66.228 155 PROGRESSIVE GRP 429,849 432,840 53.93 56.82 3.98 70.209 200 UNITED SERV AUTOMOBILE ASSN GRP 365,505 355,450 65.18 67.52 3.39 73.5810 111 LIBERTY MUT GRP 344,055 343,553 50.10 52.14 3.19 76.77

**STATE TOTAL** 10,796,135 10,817,946 58.79 62.63 100.00 100.00. .

Colorado 1 176 STATE FARM GRP 342,481 340,189 57.13 62.23 20.57 20.572 212 ZURICH INS GRP 262,053 265,340 56.62 55.97 15.74 36.303 473 AMERICAN FAMILY INS GRP 152,775 151,659 61.13 67.79 9.17 45.484 155 PROGRESSIVE GRP 147,480 143,235 60.35 61.29 8.86 54.335 8 ALLSTATE INS GRP 117,611 116,863 55.23 57.27 7.06 61.39




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 200 UNITED SERV AUTOMOBILE ASSN GRP 112,858 108,150 69.49 72.57 6.78 68.177 31 BERKSHIRE HATHAWAY GRP 94,398 88,497 65.23 67.80 5.67 73.848 111 LIBERTY MUT GRP 68,381 68,425 56.89 58.82 4.11 77.949 91 HARTFORD FIRE & CAS GRP 49,865 47,550 73.99 75.24 2.99 80.9410 140 NATIONWIDE CORP GRP 38,190 38,632 61.67 63.09 2.29 83.23

**STATE TOTAL** 1,665,326 1,641,561 60.46 63.30 100.00 100.00. .

Connecticut 1 31 BERKSHIRE HATHAWAY GRP 182,333 179,243 78.24 83.67 12.56 12.562 8 ALLSTATE INS GRP 163,447 163,949 65.55 70.61 11.26 23.833 111 LIBERTY MUT GRP 153,793 153,506 58.45 61.56 10.60 34.424 155 PROGRESSIVE GRP 133,030 130,672 55.76 58.62 9.17 43.595 3548 TRAVELERS GRP 117,096 121,167 72.47 76.39 8.07 51.666 140 NATIONWIDE CORP GRP 84,511 84,379 81.87 83.45 5.82 57.487 91 HARTFORD FIRE & CAS GRP 73,704 74,737 61.87 64.22 5.08 62.568 176 STATE FARM GRP 73,480 70,693 100.63 105.00 5.06 67.639 241 METROPOLITAN GRP 67,362 66,677 67.39 69.35 4.64 72.2710 28 AMICA MUT GRP 52,922 51,096 33.17 35.00 3.65 75.91

**STATE TOTAL** 1,451,222 1,449,249 65.40 68.86 100.00 100.00. .

Delaware 1 176 STATE FARM GRP 99,858 99,980 66.97 73.47 22.85 22.852 140 NATIONWIDE CORP GRP 92,763 92,489 66.36 69.11 21.23 44.073 31 BERKSHIRE HATHAWAY GRP 52,143 50,760 79.19 83.26 11.93 56.004 111 LIBERTY MUT GRP 37,505 36,683 74.91 77.77 8.58 64.595 155 PROGRESSIVE GRP 30,623 30,488 64.81 67.98 7.01 71.596 8 ALLSTATE INS GRP 25,153 25,423 61.36 64.58 5.76 77.357 91 HARTFORD FIRE & CAS GRP 17,032 17,770 73.79 76.65 3.90 81.258 200 UNITED SERV AUTOMOBILE ASSN GRP 17,021 16,843 78.55 81.82 3.89 85.149 3548 TRAVELERS GRP 9,875 9,954 58.29 65.35 2.26 87.4010 212 ZURICH INS GRP 7,871 6,770 37.54 37.82 1.80 89.20

**STATE TOTAL** 437,039 435,045 69.83 73.81 100.00 100.00. .

District of Columbia 1 31 BERKSHIRE HATHAWAY GRP 43,586 43,428 74.64 72.61 32.46 32.462 176 STATE FARM GRP 28,070 28,069 80.83 86.51 20.90 53.363 155 PROGRESSIVE GRP 12,933 12,521 54.08 54.79 9.63 63.004 140 NATIONWIDE CORP GRP 9,105 9,058 78.98 80.35 6.78 69.785 200 UNITED SERV AUTOMOBILE ASSN GRP 8,880 8,800 71.47 74.78 6.61 76.396 8 ALLSTATE INS GRP 8,533 8,406 68.86 71.13 6.35 82.757 3548 TRAVELERS GRP 5,511 5,698 39.35 42.18 4.10 86.858 111 LIBERTY MUT GRP 3,828 3,661 65.81 64.77 2.85 89.709 3678 AMERICAN INDEPENDENT INS GRP 2,977 3,058 55.29 43.83 2.22 91.9210 91 HARTFORD FIRE & CAS GRP 2,698 2,730 41.54 42.57 2.01 93.93

**STATE TOTAL** 134,277 133,683 69.50 70.38 100.00 100.00. .

Florida 1 176 STATE FARM GRP 1,769,045 1,783,755 90.43 97.76 21.08 21.082 31 BERKSHIRE HATHAWAY GRP 1,263,377 1,254,713 72.09 76.87 15.05 36.133 8 ALLSTATE INS GRP 1,176,772 1,169,752 70.37 74.73 14.02 50.154 155 PROGRESSIVE GRP 969,534 955,147 75.21 76.01 11.55 61.705 200 UNITED SERV AUTOMOBILE ASSN GRP 433,736 424,681 72.07 76.52 5.17 66.876 111 LIBERTY MUT GRP 271,202 274,747 63.35 66.61 3.23 70.107 140 NATIONWIDE CORP GRP 236,768 252,852 83.00 84.75 2.82 72.928 91 HARTFORD FIRE & CAS GRP 223,960 224,460 76.47 78.71 2.67 75.599 212 ZURICH INS GRP 221,006 232,598 77.31 81.18 2.63 78.2210 3548 TRAVELERS GRP 177,480 177,518 46.19 50.82 2.11 80.34

**STATE TOTAL** 8,393,157 8,417,851 76.25 80.91 100.00 100.00. .

Georgia 1 176 STATE FARM GRP 659,006 651,307 74.38 78.13 22.51 22.512 155 PROGRESSIVE GRP 366,119 366,463 61.60 63.28 12.51 35.023 8 ALLSTATE INS GRP 343,808 337,775 80.22 83.72 11.74 46.764 31 BERKSHIRE HATHAWAY GRP 274,404 265,605 68.95 71.68 9.37 56.135 561 GEORGIA FARM BUREAU GRP 135,118 136,009 71.62 74.19 4.62 60.756 200 UNITED SERV AUTOMOBILE ASSN GRP 133,616 131,363 90.72 94.39 4.56 65.317 111 LIBERTY MUT GRP 123,323 119,053 70.01 72.60 4.21 69.538 3548 TRAVELERS GRP 101,478 103,072 65.45 69.07 3.47 72.999 140 NATIONWIDE CORP GRP 100,907 102,464 70.02 72.14 3.45 76.4410 50 COUNTRY INS & FIN SERV GRP 55,188 54,680 64.38 65.74 1.89 78.32




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 2,927,532 2,898,769 71.84 74.78 100.00 100.00. .

Hawaii 1 31 BERKSHIRE HATHAWAY GRP 91,454 91,834 49.33 50.84 23.19 23.192 176 STATE FARM GRP 66,209 65,820 53.09 55.45 16.79 39.973 212 ZURICH INS GRP 48,672 49,888 51.60 51.09 12.34 52.314 200 UNITED SERV AUTOMOBILE ASSN GRP 37,620 37,199 48.41 51.02 9.54 61.855 155 PROGRESSIVE GRP 31,757 31,868 41.88 42.02 8.05 69.906 8 ALLSTATE INS GRP 31,459 31,395 44.16 45.36 7.98 77.887 111 LIBERTY MUT GRP 17,311 17,352 58.12 61.45 4.39 82.278 106 ISLAND INS CO GRP 16,221 16,888 29.63 29.78 4.11 86.389 4513 AIOI INS GRP 16,127 16,337 45.83 48.66 4.09 90.4710 91 HARTFORD FIRE & CAS GRP 15,310 16,332 40.60 40.58 3.88 94.35

**STATE TOTAL** 394,415 398,171 48.00 49.45 100.00 100.00. .

Idaho 1 212 ZURICH INS GRP 57,518 58,608 31.67 34.54 14.44 14.442 176 STATE FARM GRP 54,767 54,522 52.91 56.64 13.75 28.183 842 FARM BUREAU GRP 39,328 38,770 58.31 59.14 9.87 38.054 31 BERKSHIRE HATHAWAY GRP 33,901 33,077 64.95 67.68 8.51 46.565 8 ALLSTATE INS GRP 33,714 33,889 61.97 66.62 8.46 55.026 111 LIBERTY MUT GRP 31,958 32,191 57.79 59.83 8.02 63.047 155 PROGRESSIVE GRP 31,841 31,042 49.53 50.47 7.99 71.038 473 AMERICAN FAMILY INS GRP 16,647 16,434 74.02 81.70 4.18 75.219 200 UNITED SERV AUTOMOBILE ASSN GRP 13,649 13,432 59.44 61.43 3.43 78.6410 169 SENTRY INS GRP 12,492 12,358 46.90 46.91 3.14 81.77

**STATE TOTAL** 398,445 395,517 53.49 56.27 100.00 100.00. .

Illinois 1 176 STATE FARM GRP 1,028,959 1,008,481 80.93 84.81 31.33 31.332 8 ALLSTATE INS GRP 323,356 327,961 60.25 63.50 9.85 41.183 50 COUNTRY INS & FIN SERV GRP 258,003 254,917 63.04 65.25 7.86 49.044 212 ZURICH INS GRP 186,274 188,329 50.61 54.98 5.67 54.715 473 AMERICAN FAMILY INS GRP 164,551 162,650 64.79 70.29 5.01 59.726 155 PROGRESSIVE GRP 139,078 137,380 54.63 56.18 4.24 63.957 31 BERKSHIRE HATHAWAY GRP 121,814 118,696 64.23 67.27 3.71 67.668 111 LIBERTY MUT GRP 91,397 91,266 68.56 71.18 2.78 70.459 241 METROPOLITAN GRP 60,808 61,808 57.06 60.32 1.85 72.3010 91 HARTFORD FIRE & CAS GRP 57,069 53,841 77.21 78.52 1.74 74.04

**STATE TOTAL** 3,283,950 3,247,859 67.44 71.19 100.00 100.00. .

Indiana 1 176 STATE FARM GRP 386,243 375,027 84.06 86.93 24.57 24.572 155 PROGRESSIVE GRP 135,511 135,010 62.80 63.32 8.62 33.183 542 INDIANA FARM BUREAU GRP 134,063 133,333 66.04 69.15 8.53 41.714 473 AMERICAN FAMILY INS GRP 90,318 91,517 63.05 70.13 5.74 47.465 8 ALLSTATE INS GRP 87,119 85,114 61.17 66.20 5.54 53.006 212 ZURICH INS GRP 63,329 64,909 55.28 60.48 4.03 57.027 31 BERKSHIRE HATHAWAY GRP 62,202 61,199 55.65 58.84 3.96 60.988 111 LIBERTY MUT GRP 62,040 62,340 57.34 57.15 3.95 64.939 140 NATIONWIDE CORP GRP 45,616 46,796 60.30 62.40 2.90 67.8310 213 ERIE INS GRP 38,788 38,646 57.53 61.53 2.47 70.29

**STATE TOTAL** 1,572,283 1,552,857 67.14 70.37 100.00 100.00. .

Iowa 1 176 STATE FARM GRP 139,724 138,872 63.95 67.23 20.56 20.562 155 PROGRESSIVE GRP 96,446 94,380 58.54 59.55 14.19 34.763 140 NATIONWIDE CORP GRP 85,442 84,879 50.36 52.07 12.57 47.334 513 IOWA FARM BUREAU GRP 49,114 49,000 56.67 58.08 7.23 54.565 473 AMERICAN FAMILY INS GRP 47,546 47,380 52.11 55.54 7.00 61.566 518 GRINNELL MUT GRP 32,088 31,586 38.56 40.48 4.72 66.287 3991 IMT MUT HOLDING GRP 19,794 19,565 52.76 53.87 2.91 69.198 212 ZURICH INS GRP 17,702 17,728 56.47 63.05 2.61 71.809 8 ALLSTATE INS GRP 16,328 16,517 60.09 62.77 2.40 74.2010 31 BERKSHIRE HATHAWAY GRP 15,751 15,150 63.45 66.61 2.32 76.52

**STATE TOTAL** 679,477 671,309 58.41 60.84 100.00 100.00. .





StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 155 PROGRESSIVE GRP 68,083 66,629 59.55 60.81 9.39 55.935 513 IOWA FARM BUREAU GRP 57,908 54,900 72.46 74.68 7.98 63.916 8 ALLSTATE INS GRP 30,322 30,900 70.27 73.03 4.18 68.097 111 LIBERTY MUT GRP 28,030 28,550 52.12 55.10 3.86 71.968 31 BERKSHIRE HATHAWAY GRP 27,829 26,950 70.85 73.35 3.84 75.799 140 NATIONWIDE CORP GRP 26,698 26,578 70.30 71.40 3.68 79.4810 200 UNITED SERV AUTOMOBILE ASSN GRP 23,215 22,563 83.60 87.56 3.20 82.68

**STATE TOTAL** 725,253 719,079 64.87 66.81 100.00 100.00. .

Kentucky 1 176 STATE FARM GRP 289,722 286,563 78.61 81.84 20.83 20.832 109 KENTUCKY FARM BUREAU GRP 265,243 262,459 82.42 84.29 19.07 39.913 155 PROGRESSIVE GRP 127,723 127,949 67.43 68.15 9.18 49.094 8 ALLSTATE INS GRP 103,606 106,531 62.25 66.16 7.45 56.545 111 LIBERTY MUT GRP 102,039 103,553 65.65 68.91 7.34 63.886 140 NATIONWIDE CORP GRP 60,293 60,600 67.37 69.46 4.34 68.217 31 BERKSHIRE HATHAWAY GRP 52,642 51,976 59.50 62.77 3.79 72.008 175 STATE AUTO MUT GRP 48,829 48,413 67.83 72.90 3.51 75.519 267 GRANGE MUT CAS GRP 46,961 44,616 74.95 76.69 3.38 78.8910 200 UNITED SERV AUTOMOBILE ASSN GRP 35,014 34,062 86.96 91.59 2.52 81.40

**STATE TOTAL** 1,390,669 1,382,975 73.07 75.92 100.00 100.00. .

Louisiana 1 176 STATE FARM GRP 599,407 596,071 67.96 74.34 31.96 31.962 8 ALLSTATE INS GRP 242,300 245,766 55.43 60.36 12.92 44.883 155 PROGRESSIVE GRP 218,118 212,165 64.25 66.75 11.63 56.514 31 BERKSHIRE HATHAWAY GRP 116,626 115,785 72.37 77.55 6.22 62.735 3596 AFFIRMATIVE INS GRP 95,420 95,066 72.35 75.28 5.09 67.826 483 SOUTHERN FARM BUREAU CAS GRP 92,427 92,218 73.10 79.43 4.93 72.757 111 LIBERTY MUT GRP 85,466 84,006 60.37 64.69 4.56 77.308 200 UNITED SERV AUTOMOBILE ASSN GRP 68,889 67,715 63.74 68.05 3.67 80.989 257 SAFEWAY INS GRP 38,357 39,931 62.50 62.27 2.05 83.0210 212 ZURICH INS GRP 29,582 29,460 30.96 34.20 1.58 84.60

**STATE TOTAL** 1,875,409 1,875,596 66.30 71.37 100.00 100.00. .

Maine 1 155 PROGRESSIVE GRP 44,269 44,748 50.24 51.16 13.27 13.272 176 STATE FARM GRP 42,486 41,950 65.07 67.06 12.73 26.003 111 LIBERTY MUT GRP 28,502 28,228 48.62 50.15 8.54 34.544 31 BERKSHIRE HATHAWAY GRP 23,772 23,511 60.88 63.07 7.12 41.665 8 ALLSTATE INS GRP 23,414 23,409 51.13 50.62 7.02 48.686 45 CONCORD GRP 18,687 18,495 63.22 64.37 5.60 54.287 3548 TRAVELERS GRP 12,071 12,143 49.70 53.19 3.62 57.908 169 SENTRY INS GRP 11,426 11,469 73.73 73.82 3.42 61.329 1129 WHITE MOUNTAINS GRP 11,359 12,559 49.81 53.06 3.40 64.7310 88 THE HANOVER INS GRP 10,645 11,076 61.77 64.83 3.19 67.92

**STATE TOTAL** 333,695 335,072 55.69 57.38 100.00 100.00. .

Maryland 1 176 STATE FARM GRP 444,163 444,570 67.14 71.16 20.62 20.622 31 BERKSHIRE HATHAWAY GRP 428,346 424,231 74.71 77.45 19.88 40.503 8 ALLSTATE INS GRP 264,856 269,566 65.75 67.82 12.29 52.804 140 NATIONWIDE CORP GRP 229,990 228,157 67.42 68.71 10.68 63.475 155 PROGRESSIVE GRP 153,681 150,760 70.08 71.46 7.13 70.616 213 ERIE INS GRP 145,062 145,409 71.05 73.79 6.73 77.347 200 UNITED SERV AUTOMOBILE ASSN GRP 121,288 118,180 76.21 79.52 5.63 82.978 111 LIBERTY MUT GRP 90,948 89,003 71.59 74.01 4.22 87.199 3548 TRAVELERS GRP 43,100 44,635 70.05 73.53 2.00 89.2010 91 HARTFORD FIRE & CAS GRP 31,225 30,174 71.18 72.24 1.45 90.64

**STATE TOTAL** 2,154,195 2,143,840 69.14 71.77 100.00 100.00. .

Massachusetts 1 816 COMMERCE INC GRP 611,397 651,477 60.22 64.12 27.99 27.992 188 SAFETY GRP 243,463 245,020 59.52 61.66 11.14 39.133 111 LIBERTY MUT GRP 207,482 195,728 61.15 60.70 9.50 48.634 586 ARBELLA INS GRP 197,529 202,450 57.83 59.95 9.04 57.675 415 PLYMOUTH ROCK INS GRP 141,384 143,980 66.69 66.46 6.47 64.146 3548 TRAVELERS GRP 128,770 136,916 63.27 68.09 5.89 70.047 241 METROPOLITAN GRP 127,554 140,254 53.57 55.15 5.84 75.888 88 THE HANOVER INS GRP 83,579 85,767 54.96 57.51 3.83 79.70




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 28 AMICA MUT GRP 78,729 81,680 60.15 62.02 3.60 83.3110 155 PROGRESSIVE GRP 74,908 67,724 115.33 119.53 3.43 86.73

**STATE TOTAL** 2,184,604 2,232,660 61.93 64.60 100.00 100.00. .

Michigan 1 176 STATE FARM GRP 620,144 605,315 250.88 258.83 19.83 19.832 55 AUTOMOBILE CLUB MI GRP 504,777 508,719 131.85 137.48 16.14 35.973 280 AUTO OWNERS GRP 298,202 291,668 222.14 228.22 9.54 45.514 155 PROGRESSIVE GRP 287,275 284,296 170.60 174.50 9.19 54.705 88 THE HANOVER INS GRP 230,982 226,205 94.20 95.28 7.39 62.086 8 ALLSTATE INS GRP 177,298 168,931 129.74 142.08 5.67 67.757 67 MICHIGAN FARM BUREAU GRP 130,298 128,261 111.46 119.85 4.17 71.928 140 NATIONWIDE CORP GRP 118,228 120,751 233.61 239.49 3.78 75.709 212 ZURICH INS GRP 116,623 123,304 87.26 91.06 3.73 79.4310 111 LIBERTY MUT GRP 69,366 67,298 77.08 83.86 2.22 81.65

**STATE TOTAL** 3,127,021 3,082,566 156.74 162.79 100.00 100.00. .

Minnesota 1 176 STATE FARM GRP 337,864 338,264 62.02 66.51 21.68 21.682 155 PROGRESSIVE GRP 219,991 217,493 69.13 72.27 14.12 35.803 473 AMERICAN FAMILY INS GRP 211,015 209,046 59.66 66.17 13.54 49.344 212 ZURICH INS GRP 156,357 160,162 57.65 59.98 10.03 59.375 8 ALLSTATE INS GRP 76,019 77,335 64.09 67.93 4.88 64.256 55 AUTOMOBILE CLUB MI GRP 42,727 41,773 72.44 73.44 2.74 66.997 111 LIBERTY MUT GRP 40,897 40,186 61.03 64.46 2.62 69.628 31 BERKSHIRE HATHAWAY GRP 38,895 37,797 67.82 73.76 2.50 72.119 280 AUTO OWNERS GRP 37,019 36,111 74.14 77.23 2.38 74.4910 140 NATIONWIDE CORP GRP 35,025 35,169 76.57 79.96 2.25 76.73

**STATE TOTAL** 1,558,368 1,551,196 61.92 65.78 100.00 100.00. .

Mississippi 1 176 STATE FARM GRP 187,839 188,635 70.35 74.45 24.82 24.822 483 SOUTHERN FARM BUREAU CAS GRP 101,470 103,836 74.45 76.80 13.41 38.233 155 PROGRESSIVE GRP 87,054 87,884 61.27 62.31 11.50 49.734 8 ALLSTATE INS GRP 57,850 57,665 69.31 73.55 7.64 57.375 140 NATIONWIDE CORP GRP 45,636 45,364 58.94 61.31 6.03 63.406 31 BERKSHIRE HATHAWAY GRP 40,045 39,319 64.04 67.06 5.29 68.707 200 UNITED SERV AUTOMOBILE ASSN GRP 32,498 31,644 63.75 66.20 4.29 72.998 5 ALFA INS GRP 29,732 29,269 72.48 74.27 3.93 76.929 123 SHELTER INS GRP 21,353 21,264 61.92 65.59 2.82 79.7410 111 LIBERTY MUT GRP 21,043 21,358 48.68 51.05 2.78 82.52

**STATE TOTAL** 756,805 759,412 66.31 69.21 100.00 100.00. .

Missouri 1 176 STATE FARM GRP 343,343 341,955 70.54 73.53 21.86 21.862 473 AMERICAN FAMILY INS GRP 258,241 258,117 63.93 67.34 16.44 38.313 155 PROGRESSIVE GRP 120,865 116,048 65.47 67.33 7.70 46.004 212 ZURICH INS GRP 115,611 116,536 49.86 46.76 7.36 53.375 123 SHELTER INS GRP 89,738 89,162 68.66 71.66 5.71 59.086 111 LIBERTY MUT GRP 81,815 84,921 58.25 60.54 5.21 64.297 31 BERKSHIRE HATHAWAY GRP 65,086 64,123 66.73 70.54 4.14 68.448 8 ALLSTATE INS GRP 61,853 63,016 58.54 60.41 3.94 72.379 1318 AUTO CLUB ENTERPRISES INS GRP 55,153 54,626 63.00 64.25 3.51 75.8910 140 NATIONWIDE CORP GRP 50,834 49,387 64.24 66.10 3.24 79.12

**STATE TOTAL** 1,570,388 1,559,975 64.34 66.63 100.00 100.00. .

Montana 1 176 STATE FARM GRP 61,732 61,595 46.55 49.56 20.20 20.202 212 ZURICH INS GRP 46,161 47,382 31.62 31.40 15.10 35.303 111 LIBERTY MUT GRP 34,047 34,879 43.19 46.37 11.14 46.444 155 PROGRESSIVE GRP 24,870 24,456 55.46 56.42 8.14 54.575 91 HARTFORD FIRE & CAS GRP 19,873 20,122 78.20 81.99 6.50 61.086 8 ALLSTATE INS GRP 15,378 15,544 41.46 45.52 5.03 66.117 4683 MOUNTAIN WEST FARM GRP 14,930 14,273 55.41 56.48 4.88 70.998 215 UNITRIN GRP 13,960 13,753 88.71 88.01 4.57 75.569 200 UNITED SERV AUTOMOBILE ASSN GRP 12,099 12,006 65.83 69.19 3.96 79.5210 3548 TRAVELERS GRP 10,168 10,023 56.71 63.02 3.33 82.84

**STATE TOTAL** 305,657 306,373 50.87 53.11 100.00 100.00. .





StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 155 PROGRESSIVE GRP 59,963 59,349 64.96 65.91 12.38 36.913 473 AMERICAN FAMILY INS GRP 48,187 47,783 68.84 72.71 9.95 46.864 212 ZURICH INS GRP 35,216 35,063 50.48 52.95 7.27 54.135 13889 FARMERS MUT INS CO OF NE 34,147 33,851 63.13 64.09 7.05 61.186 513 IOWA FARM BUREAU GRP 29,056 27,931 62.79 63.92 6.00 67.187 140 NATIONWIDE CORP GRP 24,524 24,091 57.82 59.09 5.06 72.258 31 BERKSHIRE HATHAWAY GRP 18,744 18,156 71.86 74.26 3.87 76.129 8 ALLSTATE INS GRP 18,237 18,150 67.87 70.45 3.77 79.8810 200 UNITED SERV AUTOMOBILE ASSN GRP 11,828 11,511 74.34 76.90 2.44 82.32

**STATE TOTAL** 484,252 477,856 62.31 64.39 100.00 100.00. .

Nevada 1 176 STATE FARM GRP 159,641 158,198 68.59 73.75 14.61 14.612 212 ZURICH INS GRP 136,648 139,995 53.91 62.61 12.51 27.123 8 ALLSTATE INS GRP 108,294 109,244 72.99 76.99 9.91 37.034 155 PROGRESSIVE GRP 83,471 81,135 52.99 55.25 7.64 44.675 473 AMERICAN FAMILY INS GRP 70,762 75,920 71.06 83.35 6.48 51.156 1278 CALIFORNIA STATE AUTO GRP 69,826 70,718 69.60 72.75 6.39 57.547 31 BERKSHIRE HATHAWAY GRP 67,297 67,145 67.98 71.93 6.16 63.708 200 UNITED SERV AUTOMOBILE ASSN GRP 55,891 55,782 67.60 71.79 5.12 68.819 91 HARTFORD FIRE & CAS GRP 53,374 53,260 70.54 73.75 4.89 73.7010 111 LIBERTY MUT GRP 43,082 43,789 62.18 65.20 3.94 77.64

**STATE TOTAL** 1,092,541 1,101,715 65.96 71.30 100.00 100.00. .

New Hampshire 1 176 STATE FARM GRP 52,251 52,560 69.00 72.13 14.50 14.502 111 LIBERTY MUT GRP 42,605 42,710 48.36 49.59 11.82 26.323 155 PROGRESSIVE GRP 38,563 38,856 52.53 53.63 10.70 37.014 31 BERKSHIRE HATHAWAY GRP 34,895 35,818 63.02 66.43 9.68 46.695 8 ALLSTATE INS GRP 30,068 30,517 51.37 52.36 8.34 55.046 45 CONCORD GRP 15,808 15,952 57.07 57.70 4.39 59.427 241 METROPOLITAN GRP 14,884 15,420 62.07 65.09 4.13 63.558 28 AMICA MUT GRP 14,734 14,538 59.31 61.39 4.09 67.649 91 HARTFORD FIRE & CAS GRP 14,099 14,605 71.89 73.70 3.91 71.5510 200 UNITED SERV AUTOMOBILE ASSN GRP 11,867 11,877 72.99 77.13 3.29 74.84

**STATE TOTAL** 360,454 363,697 59.00 61.14 100.00 100.00. .

New Jersey 1 31 BERKSHIRE HATHAWAY GRP 620,885 609,155 109.79 119.33 15.69 15.692 8 ALLSTATE INS GRP 541,013 541,636 90.31 104.45 13.67 29.363 708 NEW JERSEY MANUFACTURERS GRP 486,805 487,255 72.44 83.09 12.30 41.674 1227 PALISADES GRP 402,149 393,438 77.34 80.24 10.16 51.835 176 STATE FARM GRP 399,180 385,723 88.98 109.79 10.09 61.926 111 LIBERTY MUT GRP 296,342 296,358 68.25 75.37 7.49 69.417 155 PROGRESSIVE GRP 256,029 244,633 75.73 83.63 6.47 75.888 3548 TRAVELERS GRP 189,777 195,458 98.13 103.89 4.80 80.689 212 ZURICH INS GRP 136,911 145,016 65.69 86.73 3.46 84.1410 200 UNITED SERV AUTOMOBILE ASSN GRP 74,949 74,308 111.86 118.48 1.89 86.03

**STATE TOTAL** 3,956,755 3,914,912 84.97 96.02 100.00 100.00. .

New Mexico 1 176 STATE FARM GRP 132,358 132,615 68.38 70.86 20.30 20.302 212 ZURICH INS GRP 93,712 95,340 45.59 50.05 14.37 34.673 155 PROGRESSIVE GRP 64,657 63,629 56.52 58.59 9.92 44.594 31 BERKSHIRE HATHAWAY GRP 61,804 60,919 59.16 62.81 9.48 54.075 8 ALLSTATE INS GRP 59,056 59,614 65.76 66.89 9.06 63.126 200 UNITED SERV AUTOMOBILE ASSN GRP 41,925 40,809 56.30 58.57 6.43 69.557 111 LIBERTY MUT GRP 30,841 30,939 38.13 42.12 4.73 74.288 91 HARTFORD FIRE & CAS GRP 29,780 29,374 66.02 67.97 4.57 78.859 169 SENTRY INS GRP 25,844 25,663 38.06 39.49 3.96 82.8110 513 IOWA FARM BUREAU GRP 12,457 11,922 59.37 61.07 1.91 84.72

**STATE TOTAL** 652,048 650,599 57.24 60.38 100.00 100.00. .

New York 1 31 BERKSHIRE HATHAWAY GRP 1,539,649 1,521,830 73.61 80.32 23.37 23.372 8 ALLSTATE INS GRP 1,211,247 1,210,226 78.26 84.38 18.39 41.763 176 STATE FARM GRP 779,501 753,527 78.62 89.35 11.83 53.594 155 PROGRESSIVE GRP 433,898 436,845 55.83 61.85 6.59 60.175 111 LIBERTY MUT GRP 384,046 372,228 66.31 72.75 5.83 66.006 3548 TRAVELERS GRP 339,858 346,191 44.67 56.25 5.16 71.16




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 140 NATIONWIDE CORP GRP 188,501 190,126 80.75 86.66 2.86 74.028 2518 CENTRAL SERV GRP 182,273 175,782 59.16 61.15 2.77 76.799 91 HARTFORD FIRE & CAS GRP 156,114 154,011 63.60 70.22 2.37 79.1610 241 METROPOLITAN GRP 153,398 152,726 62.68 65.82 2.33 81.49

**STATE TOTAL** 6,588,062 6,529,567 70.10 77.38 100.00 100.00. .

North Carolina 1 140 NATIONWIDE CORP GRP 511,655 514,925 63.55 64.69 19.07 19.072 176 STATE FARM GRP 373,786 367,031 58.18 60.36 13.93 32.993 8 ALLSTATE INS GRP 276,789 273,735 59.43 63.95 10.31 43.314 324 NORTH CAROLINA FARM BUREAU GRP 258,970 253,242 66.08 67.06 9.65 52.965 31 BERKSHIRE HATHAWAY GRP 199,821 196,185 67.60 70.09 7.45 60.406 79 GMAC INS HOLDING GRP 198,888 202,267 85.69 87.31 7.41 67.817 200 UNITED SERV AUTOMOBILE ASSN GRP 150,986 149,914 55.56 56.97 5.63 73.448 155 PROGRESSIVE GRP 107,212 105,909 67.88 69.76 3.99 77.439 111 LIBERTY MUT GRP 96,891 92,561 61.47 63.77 3.61 81.0510 213 ERIE INS GRP 69,312 65,973 62.14 64.70 2.58 83.63

**STATE TOTAL** 2,683,688 2,650,543 64.12 66.13 100.00 100.00. .

North Dakota 1 176 STATE FARM GRP 22,476 22,723 61.17 62.97 15.24 15.242 155 PROGRESSIVE GRP 21,175 20,880 52.44 55.02 14.36 29.603 473 AMERICAN FAMILY INS GRP 17,760 17,697 63.43 67.33 12.04 41.644 3500 NODAK MUT GRP 13,559 13,428 70.46 76.44 9.19 50.835 796 QBE INS GRP 11,708 11,662 49.19 50.77 7.94 58.776 212 ZURICH INS GRP 6,307 6,273 80.96 80.78 4.28 63.057 34606 CENTER MUT INS CO 5,499 5,543 61.69 61.93 3.73 66.788 280 AUTO OWNERS GRP 4,851 4,806 70.13 71.24 3.29 70.079 518 GRINNELL MUT GRP 4,326 4,287 50.67 53.54 2.93 73.0010 31 BERKSHIRE HATHAWAY GRP 3,975 3,811 72.01 73.90 2.70 75.70

**STATE TOTAL** 147,479 145,958 61.99 64.77 100.00 100.00. .

Ohio 1 176 STATE FARM GRP 537,737 533,908 62.73 66.75 18.93 18.932 155 PROGRESSIVE GRP 336,668 337,723 57.84 59.47 11.85 30.783 140 NATIONWIDE CORP GRP 326,431 329,967 60.36 62.83 11.49 42.274 8 ALLSTATE INS GRP 238,130 240,692 58.89 62.60 8.38 50.665 267 GRANGE MUT CAS GRP 173,483 170,657 60.17 59.73 6.11 56.766 31 BERKSHIRE HATHAWAY GRP 106,088 103,491 61.47 64.23 3.73 60.507 111 LIBERTY MUT GRP 105,765 103,432 58.93 61.63 3.72 64.228 228 WESTFIELD GRP 89,638 93,010 57.37 60.91 3.16 67.389 473 AMERICAN FAMILY INS GRP 77,781 77,761 65.91 73.82 2.74 70.1210 212 ZURICH INS GRP 72,683 70,084 64.00 67.47 2.56 72.68

**STATE TOTAL** 2,840,594 2,837,216 60.21 63.13 100.00 100.00. .

Oklahoma 1 176 STATE FARM GRP 224,583 221,444 74.67 78.75 20.89 20.892 212 ZURICH INS GRP 190,842 192,258 60.37 61.95 17.75 38.643 8 ALLSTATE INS GRP 76,566 76,107 62.41 64.84 7.12 45.764 155 PROGRESSIVE GRP 75,418 76,053 60.67 63.61 7.01 52.775 220 OKLAHOMA FARM BUREAU GRP 71,892 71,288 83.13 85.45 6.69 59.466 31 BERKSHIRE HATHAWAY GRP 52,291 51,033 61.84 66.00 4.86 64.327 200 UNITED SERV AUTOMOBILE ASSN GRP 50,868 49,173 73.02 75.90 4.73 69.058 111 LIBERTY MUT GRP 41,990 41,637 58.55 61.38 3.91 72.969 123 SHELTER INS GRP 38,867 38,339 73.10 76.58 3.61 76.5710 1321 AMERICAN FARMERS & RANCHERS GRP 28,675 28,536 64.06 66.39 2.67 79.24

**STATE TOTAL** 1,075,221 1,061,375 67.62 70.60 100.00 100.00. .

Oregon 1 176 STATE FARM GRP 250,972 247,898 71.25 74.27 18.94 18.942 212 ZURICH INS GRP 226,147 231,296 57.78 62.70 17.07 36.013 155 PROGRESSIVE GRP 139,101 135,828 64.70 67.62 10.50 46.504 111 LIBERTY MUT GRP 119,546 121,000 64.88 68.60 9.02 55.535 8 ALLSTATE INS GRP 101,697 103,170 53.45 55.75 7.67 63.206 31 BERKSHIRE HATHAWAY GRP 75,363 74,322 68.48 71.97 5.69 68.897 473 AMERICAN FAMILY INS GRP 60,908 61,782 63.29 68.62 4.60 73.488 50 COUNTRY INS & FIN SERV GRP 50,020 49,487 62.81 66.69 3.77 77.269 200 UNITED SERV AUTOMOBILE ASSN GRP 41,246 39,922 76.22 79.60 3.11 80.3710 140 NATIONWIDE CORP GRP 37,128 38,113 57.50 58.86 2.80 83.17

**STATE TOTAL** 1,325,099 1,323,380 64.09 67.66 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%



2 213 ERIE INS GRP 534,058 543,084 73.93 77.02 12.77 32.123 8 ALLSTATE INS GRP 508,283 515,499 66.13 69.30 12.15 44.284 140 NATIONWIDE CORP GRP 471,819 472,878 57.18 59.17 11.28 55.565 155 PROGRESSIVE GRP 324,382 320,741 53.66 56.23 7.76 63.316 31 BERKSHIRE HATHAWAY GRP 232,092 227,918 76.59 80.99 5.55 68.867 111 LIBERTY MUT GRP 216,302 214,172 59.06 62.09 5.17 74.048 3548 TRAVELERS GRP 204,632 210,296 55.52 59.66 4.89 78.939 200 UNITED SERV AUTOMOBILE ASSN GRP 100,503 99,860 66.10 70.36 2.40 81.3310 91 HARTFORD FIRE & CAS GRP 81,047 81,336 76.06 79.25 1.94 83.27

**STATE TOTAL** 4,182,436 4,189,105 65.05 68.66 100.00 100.00. .

Rhode Island 1 155 PROGRESSIVE GRP 80,779 81,312 69.50 71.20 18.45 18.452 8 ALLSTATE INS GRP 56,169 55,814 65.06 67.91 12.83 31.293 28 AMICA MUT GRP 44,394 42,198 55.68 56.94 10.14 41.434 31 BERKSHIRE HATHAWAY GRP 39,833 39,397 75.80 78.80 9.10 50.535 140 NATIONWIDE CORP GRP 36,640 37,339 74.15 75.66 8.37 58.906 241 METROPOLITAN GRP 34,133 34,808 55.24 55.33 7.80 66.697 111 LIBERTY MUT GRP 27,920 28,211 50.59 52.34 6.38 73.078 3548 TRAVELERS GRP 17,904 18,966 60.11 64.80 4.09 77.169 816 COMMERCE INC GRP 16,002 15,704 66.92 72.22 3.66 80.8210 200 UNITED SERV AUTOMOBILE ASSN GRP 14,508 14,207 84.77 90.46 3.31 84.13

**STATE TOTAL** 437,743 436,790 66.93 69.17 100.00 100.00. .

South Carolina 1 176 STATE FARM GRP 383,778 385,583 66.23 68.18 25.01 25.012 8 ALLSTATE INS GRP 230,204 230,059 60.22 62.64 15.00 40.013 140 NATIONWIDE CORP GRP 158,482 160,244 63.64 64.87 10.33 50.334 31 BERKSHIRE HATHAWAY GRP 129,216 128,176 64.26 67.13 8.42 58.755 155 PROGRESSIVE GRP 90,479 88,292 61.46 63.00 5.90 64.656 200 UNITED SERV AUTOMOBILE ASSN GRP 77,642 76,282 69.62 72.33 5.06 69.717 3548 TRAVELERS GRP 73,254 76,390 49.42 52.54 4.77 74.488 533 SOUTH CAROLINA FARM BUREAU MUT GRP 64,595 65,127 65.96 67.50 4.21 78.699 111 LIBERTY MUT GRP 49,989 47,631 73.31 77.40 3.26 81.9510 169 SENTRY INS GRP 25,361 25,211 67.82 70.09 1.65 83.60

**STATE TOTAL** 1,534,730 1,537,541 64.67 66.78 100.00 100.00. .

South Dakota 1 176 STATE FARM GRP 35,782 35,883 40.80 44.08 18.89 18.892 155 PROGRESSIVE GRP 28,719 28,368 47.31 47.94 15.16 34.063 473 AMERICAN FAMILY INS GRP 23,267 23,062 55.01 57.36 12.28 46.344 212 ZURICH INS GRP 14,580 14,502 64.30 66.79 7.70 54.045 140 NATIONWIDE CORP GRP 7,801 7,622 40.94 42.42 4.12 58.166 205 DE SMET INS GRP 6,711 6,681 73.48 80.62 3.54 61.707 13889 FARMERS MUT INS CO OF NE 6,678 6,681 57.62 57.59 3.53 65.238 513 IOWA FARM BUREAU GRP 5,090 4,859 53.84 53.75 2.69 67.929 31 BERKSHIRE HATHAWAY GRP 4,927 4,805 62.25 66.05 2.60 70.5210 200 UNITED SERV AUTOMOBILE ASSN GRP 4,744 4,654 72.07 74.87 2.51 73.02

**STATE TOTAL** 189,392 187,267 50.84 52.94 100.00 100.00. .

Tennessee 1 176 STATE FARM GRP 369,980 366,763 63.56 67.46 23.80 23.802 694 TENNESSEE FARMERS GRP 265,078 263,779 75.95 79.62 17.05 40.853 8 ALLSTATE INS GRP 108,403 108,701 54.90 58.46 6.97 47.834 31 BERKSHIRE HATHAWAY GRP 97,213 95,446 63.66 67.43 6.25 54.085 140 NATIONWIDE CORP GRP 81,869 82,055 63.59 66.00 5.27 59.356 155 PROGRESSIVE GRP 71,515 70,056 51.45 52.52 4.60 63.957 111 LIBERTY MUT GRP 68,554 67,521 62.56 66.68 4.41 68.368 200 UNITED SERV AUTOMOBILE ASSN GRP 60,222 58,523 66.48 68.85 3.87 72.239 3548 TRAVELERS GRP 50,457 50,987 52.69 56.21 3.25 75.4810 212 ZURICH INS GRP 50,269 49,501 55.70 59.95 3.23 78.71

**STATE TOTAL** 1,554,524 1,548,776 64.31 67.74 100.00 100.00. .

Texas 1 176 STATE FARM GRP 1,509,824 1,488,455 65.98 68.26 20.47 20.472 212 ZURICH INS GRP 944,454 953,084 58.08 60.12 12.81 33.283 8 ALLSTATE INS GRP 853,815 866,414 52.39 54.13 11.58 44.864 155 PROGRESSIVE GRP 553,107 543,529 60.60 62.03 7.50 52.36




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 31 BERKSHIRE HATHAWAY GRP 500,148 494,851 66.70 69.30 6.78 59.146 200 UNITED SERV AUTOMOBILE ASSN GRP 446,220 429,512 74.39 76.57 6.05 65.207 29378 OLD AMER CNTY MUT FIRE INS CO 318,919 306,897 76.40 81.70 4.32 69.528 140 NATIONWIDE CORP GRP 258,149 250,084 61.98 63.69 3.50 73.029 809 TEXAS FARM BUREAU MUT GRP 244,112 240,304 68.58 70.02 3.31 76.3310 111 LIBERTY MUT GRP 199,177 200,459 60.86 63.82 2.70 79.03

**STATE TOTAL** 7,374,123 7,296,898 63.07 65.68 100.00 100.00. .

Utah 1 176 STATE FARM GRP 122,502 121,862 59.87 62.43 15.38 15.382 212 ZURICH INS GRP 119,615 121,546 55.41 57.32 15.02 30.413 8 ALLSTATE INS GRP 110,852 110,855 58.62 60.18 13.92 44.334 31 BERKSHIRE HATHAWAY GRP 48,877 47,453 66.39 68.32 6.14 50.465 155 PROGRESSIVE GRP 48,782 47,887 53.31 55.05 6.13 56.596 473 AMERICAN FAMILY INS GRP 47,257 47,833 76.17 82.85 5.93 62.537 13471 BEAR RIVER MUT INS CO 37,198 36,725 64.84 64.24 4.67 67.208 140 NATIONWIDE CORP GRP 33,631 34,061 62.05 62.82 4.22 71.429 200 UNITED SERV AUTOMOBILE ASSN GRP 25,330 24,130 82.00 85.47 3.18 74.6010 111 LIBERTY MUT GRP 22,562 21,882 66.61 68.11 2.83 77.43

**STATE TOTAL** 796,293 785,836 62.82 64.85 100.00 100.00. .

Vermont 1 155 PROGRESSIVE GRP 23,928 23,904 55.66 56.34 15.13 15.132 31 BERKSHIRE HATHAWAY GRP 15,959 15,645 73.89 76.85 10.09 25.223 176 STATE FARM GRP 14,369 14,346 91.60 93.05 9.08 34.304 111 LIBERTY MUT GRP 12,265 12,429 45.29 48.06 7.75 42.055 8 ALLSTATE INS GRP 10,985 11,277 53.87 55.82 6.94 49.006 45 CONCORD GRP 10,472 10,270 81.73 84.48 6.62 55.627 91 HARTFORD FIRE & CAS GRP 10,223 10,076 59.41 60.76 6.46 62.088 140 NATIONWIDE CORP GRP 9,375 9,491 59.70 60.06 5.93 68.019 234 VERMONT MUT GRP 6,167 5,657 65.87 70.69 3.90 71.9010 18686 CO OPERATIVE INS CO 5,333 5,310 33.31 34.26 3.37 75.28

**STATE TOTAL** 158,186 157,821 60.95 62.87 100.00 100.00. .

Virginia 1 176 STATE FARM GRP 397,827 393,358 64.65 68.40 16.92 16.922 31 BERKSHIRE HATHAWAY GRP 356,164 354,500 68.51 71.43 15.15 32.073 140 NATIONWIDE CORP GRP 296,962 300,660 62.35 64.76 12.63 44.704 200 UNITED SERV AUTOMOBILE ASSN GRP 235,908 232,109 66.25 68.77 10.03 54.745 8 ALLSTATE INS GRP 229,698 231,098 66.41 68.67 9.77 64.516 155 PROGRESSIVE GRP 188,959 184,080 59.24 60.79 8.04 72.557 213 ERIE INS GRP 75,950 76,508 63.76 67.67 3.23 75.788 3548 TRAVELERS GRP 67,053 69,657 54.17 58.17 2.85 78.639 111 LIBERTY MUT GRP 65,871 64,509 56.41 58.73 2.80 81.4310 203 VIRGINIA FARM BUREAU GRP 56,805 57,042 55.89 56.20 2.42 83.85

**STATE TOTAL** 2,350,951 2,344,660 63.92 66.62 100.00 100.00. .

Washington 1 176 STATE FARM GRP 373,039 369,277 65.34 69.62 15.09 15.092 212 ZURICH INS GRP 329,083 337,337 53.10 57.38 13.31 28.403 111 LIBERTY MUT GRP 253,136 255,997 46.00 48.69 10.24 38.644 8 ALLSTATE INS GRP 238,180 241,052 61.66 66.35 9.63 48.275 31 BERKSHIRE HATHAWAY GRP 171,835 170,974 67.35 71.62 6.95 55.226 155 PROGRESSIVE GRP 167,092 162,419 61.33 63.36 6.76 61.987 200 UNITED SERV AUTOMOBILE ASSN GRP 148,198 145,586 67.43 70.63 5.99 67.978 157 PUBLIC EMPLOYEES GRP 146,132 145,554 64.33 66.42 5.91 73.889 91 HARTFORD FIRE & CAS GRP 85,086 80,592 72.41 76.47 3.44 77.3210 333 MUTUAL OF ENUMCLAW GRP 66,252 63,479 87.29 97.60 2.68 80.00

**STATE TOTAL** 2,472,509 2,462,839 63.14 66.99 100.00 100.00. .

West Virginia 1 176 STATE FARM GRP 171,792 173,036 59.09 65.63 26.25 26.252 140 NATIONWIDE CORP GRP 135,330 135,045 50.81 52.90 20.68 46.933 213 ERIE INS GRP 64,680 64,756 57.51 60.60 9.88 56.814 8 ALLSTATE INS GRP 49,319 50,672 57.21 61.03 7.54 64.355 91 HARTFORD FIRE & CAS GRP 37,255 37,641 47.58 49.24 5.69 70.046 31 BERKSHIRE HATHAWAY GRP 27,828 27,140 63.04 71.50 4.25 74.307 111 LIBERTY MUT GRP 27,331 26,935 47.94 52.24 4.18 78.478 155 PROGRESSIVE GRP 25,590 25,696 47.79 49.21 3.91 82.389 228 WESTFIELD GRP 20,895 20,663 56.79 59.73 3.19 85.58




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 175 STATE AUTO MUT GRP 18,827 18,396 55.45 60.11 2.88 88.45**STATE TOTAL** 654,414 655,092 55.95 60.05 100.00 100.00


2 176 STATE FARM GRP 176,485 174,140 55.67 59.48 14.01 37.103 155 PROGRESSIVE GRP 141,740 132,712 61.45 64.26 11.25 48.364 14184 ACUITY A MUT INS CO 51,822 50,593 62.25 63.75 4.11 52.475 212 ZURICH INS GRP 46,951 47,433 51.95 63.74 3.73 56.206 8 ALLSTATE INS GRP 41,560 41,379 50.08 51.12 3.30 59.507 1243 WEST BEND MUT GRP 36,514 34,717 67.55 70.35 2.90 62.408 796 QBE INS GRP 34,168 35,862 59.85 62.70 2.71 65.119 169 SENTRY INS GRP 32,103 33,002 35.56 39.49 2.55 67.6610 31 BERKSHIRE HATHAWAY GRP 29,145 27,675 56.44 60.72 2.31 69.97

**STATE TOTAL** 1,259,525 1,237,985 60.41 64.13 100.00 100.00. .

Wyoming 1 176 STATE FARM GRP 35,945 35,910 77.53 80.47 23.15 23.152 212 ZURICH INS GRP 23,909 23,686 49.10 48.21 15.40 38.553 155 PROGRESSIVE GRP 21,966 22,339 54.77 56.15 14.15 52.704 4683 MOUNTAIN WEST FARM GRP 13,333 13,099 43.21 45.49 8.59 61.295 111 LIBERTY MUT GRP 12,045 12,498 42.76 43.60 7.76 69.056 31 BERKSHIRE HATHAWAY GRP 8,978 8,716 83.56 86.99 5.78 74.837 140 NATIONWIDE CORP GRP 6,710 6,704 61.06 62.49 4.32 79.158 169 SENTRY INS GRP 6,517 6,674 50.62 51.91 4.20 83.359 8 ALLSTATE INS GRP 6,227 6,243 56.43 59.96 4.01 87.3610 200 UNITED SERV AUTOMOBILE ASSN GRP 5,329 5,245 61.36 64.33 3.43 90.79

**STATE TOTAL** 155,258 155,520 59.24 60.79 100.00 100.00. .

Guam 1 4672 DONGBU INS GRP 1,909 1,937 96.72 106.79 22.51 22.512 13597 CHUNG KUO INS CO LTD 1,701 1,684 50.06 56.54 20.05 42.563 200 UNITED SERV AUTOMOBILE ASSN GRP 1,562 1,531 72.32 73.39 18.42 60.974 18380 PACIFIC IND INS CO 1,146 1,160 39.20 39.87 13.51 74.485 12633 CENTURY INS CO GU LTD 1,064 959 53.46 58.37 12.54 87.026 10972 FIRST NET INS CO 587 558 63.07 77.06 6.93 93.95

**STATE TOTAL** 8,483 8,421 65.10 70.47 100.00 100.00. .

Puerto Rico 1 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 25,753 26,159 59.41 60.74 42.75 42.752 71 UNIVERSAL INS CO GRP 20,117 20,826 62.36 61.73 33.39 76.143 411 MAPFRE INS GRP 6,921 7,222 64.62 67.71 11.49 87.634 40568 TRIPLE S PROPIEDAD INC 3,048 2,664 82.94 94.12 5.06 92.695 200 UNITED SERV AUTOMOBILE ASSN GRP 1,357 1,358 34.51 36.06 2.25 94.946 343 NATIONAL INS CO GRP 1,307 1,470 21.04 34.24 2.17 97.117 10140 OPTIMA INS CO 693 588 51.35 52.71 1.15 98.268 12 AMERICAN INTL GRP 493 587 -11.75 13.21 0.82 99.089 26778 INTEGRAND ASSUR CO 421 480 113.61 127.44 0.70 99.78

**STATE TOTAL** 60,243 61,490 59.84 61.75 100.00 100.00. .

U.S. Virgin Islands 1 17779 GUARDIAN INS CO INC 7,337 7,506 45.00 45.95 63.97 63.972 35858 COMPANION INC 2,307 0 N/A N/A 20.11 84.083 161 TOPA EQUITIES LTD GRP 1,110 1,105 38.65 47.54 9.68 93.764 200 UNITED SERV AUTOMOBILE ASSN GRP 623 615 126.86 144.93 5.43 99.19

**STATE TOTAL** 11,469 9,302 49.23 52.39 100.00 100.00. .

N. Mariana Islands 1 4672 DONGBU INS GRP 424 436 94.47 108.41 58.01 58.012 10972 FIRST NET INS CO 154 146 75.40 88.29 21.09 79.103 18380 PACIFIC IND INS CO 146 154 21.39 21.23 19.95 99.05

**STATE TOTAL** 731 743 74.90 85.58 100.00 100.00. .

Canada 1 176 STATE FARM GRP 1,029,420 989,865 112.97 120.28 97.13 97.13**STATE TOTAL** 1,059,885 1,016,889 112.41 119.93 100.00 100.00

. .Aggregate Other Alien 1 12 AMERICAN INTL GRP 503,471 483,655 60.71 61.50 93.96 93.96

2 200 UNITED SERV AUTOMOBILE ASSN GRP 17,740 18,448 103.33 107.40 3.31 97.27**STATE TOTAL** 535,851 516,721 58.60 59.51 100.00 100.00


21.1— Private Passenger Auto Physical Damage



States, U.S. Territories, Canada, and Aggregate Other Alien21.1-Private Passenger Auto Physical Damage



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 176 STATE FARM GRP 12,141,781 12,215,682 66.32 66.46 18.42 18.422 8 ALLSTATE INS GRP 7,390,478 7,469,010 47.41 47.85 11.21 29.633 31 BERKSHIRE HATHAWAY GRP 5,066,994 5,024,512 58.03 58.17 7.69 37.314 155 PROGRESSIVE GRP 4,574,420 4,590,442 57.41 57.49 6.94 44.255 212 ZURICH INS GRP 4,140,551 4,212,658 56.02 56.33 6.28 50.536 200 UNITED SERV AUTOMOBILE ASSN GRP 3,055,058 3,007,561 61.98 62.51 4.63 55.177 111 LIBERTY MUT GRP 2,874,788 2,869,436 54.06 54.43 4.36 59.538 140 NATIONWIDE CORP GRP 2,872,543 2,913,526 57.70 57.94 4.36 63.899 473 AMERICAN FAMILY INS GRP 1,436,530 1,445,746 58.95 59.13 2.18 66.0710 3548 TRAVELERS GRP 1,233,501 1,261,189 53.92 54.27 1.87 67.9411 91 HARTFORD FIRE & CAS GRP 966,290 980,483 52.67 52.83 1.47 69.4012 1318 AUTO CLUB ENTERPRISES INS GRP 953,992 978,013 51.95 52.24 1.45 70.8513 660 MERCURY GEN GRP 854,811 867,942 61.15 61.14 1.30 72.1514 241 METROPOLITAN GRP 843,099 847,651 49.54 49.82 1.28 73.4315 1278 CALIFORNIA STATE AUTO GRP 807,217 808,140 53.50 53.66 1.22 74.6516 213 ERIE INS GRP 771,555 744,796 60.40 60.70 1.17 75.8217 55 AUTOMOBILE CLUB MI GRP 648,019 658,170 56.20 56.54 0.98 76.8018 280 AUTO OWNERS GRP 612,117 595,186 64.68 64.89 0.93 77.7319 215 UNITRIN GRP 530,300 555,191 59.36 59.84 0.80 78.5420 816 COMMERCE INC GRP 517,917 515,967 66.44 66.88 0.79 79.3221 12 AMERICAN INTL GRP 467,729 573,110 53.88 54.36 0.71 80.0322 79 GMAC INS HOLDING GRP 441,308 454,244 56.29 56.41 0.67 80.7023 88 THE HANOVER INS GRP 421,181 418,077 59.52 59.62 0.64 81.3424 50 COUNTRY INS & FIN SERV GRP 401,558 402,182 58.41 58.57 0.61 81.9525 1129 WHITE MOUNTAINS GRP 400,267 408,286 59.33 60.07 0.61 82.5626 28 AMICA MUT GRP 331,885 325,293 57.02 58.70 0.50 83.0627 483 SOUTHERN FARM BUREAU CAS GRP 304,784 308,508 62.78 63.90 0.46 83.5228 3495 INFINITY PROP & CAS INS GRP 284,188 294,690 45.42 45.79 0.43 83.9529 267 GRANGE MUT CAS GRP 271,007 267,981 55.52 55.57 0.41 84.3630 708 NEW JERSEY MANUFACTURERS GRP 270,526 266,147 54.41 55.29 0.41 84.7731 123 SHELTER INS GRP 264,503 260,450 68.46 68.65 0.40 85.1832 694 TENNESSEE FARMERS GRP 253,049 251,089 62.15 62.83 0.38 85.5633 5 ALFA INS GRP 249,372 245,312 68.12 68.43 0.38 85.9434 175 STATE AUTO MUT GRP 247,654 234,649 55.86 56.16 0.38 86.3135 4 AMERIPRISE FIN GRP 230,851 227,404 68.39 68.38 0.35 86.6636 809 TEXAS FARM BUREAU MUT GRP 220,603 216,454 69.99 69.48 0.33 87.0037 1227 PALISADES GRP 218,189 216,109 45.72 46.54 0.33 87.3338 169 SENTRY INS GRP 201,452 207,822 51.15 51.14 0.31 87.6339 513 IOWA FARM BUREAU GRP 185,013 180,486 61.78 61.97 0.28 87.9140 38 CHUBB & SON INC GRP 184,987 195,117 44.59 43.95 0.28 88.2041 408 AMERICAN NATL FIN GRP 176,702 174,662 61.58 61.75 0.27 88.4642 210 TITUS GRP 168,373 172,354 56.27 56.41 0.26 88.7243 109 KENTUCKY FARM BUREAU GRP 166,690 165,080 73.74 73.95 0.25 88.9744 19 ASSURANT INC GRP 164,155 166,059 36.11 36.30 0.25 89.2245 300 HORACE MANN GRP 161,489 161,018 51.27 51.54 0.24 89.4746 796 QBE INS GRP 159,521 163,449 57.86 59.21 0.24 89.7147 324 NORTH CAROLINA FARM BUREAU GRP 156,110 154,730 73.38 73.47 0.24 89.9448 29378 OLD AMER CNTY MUT FIRE INS CO 149,289 144,690 50.22 53.48 0.23 90.1749 244 CINCINNATI FIN GRP 145,695 144,162 55.59 56.15 0.22 90.3950 188 SAFETY GRP 143,838 144,502 64.78 65.72 0.22 90.6151 1179 WAWANESA INS GRP 142,383 143,014 70.81 71.25 0.22 90.8352 228 WESTFIELD GRP 141,484 141,083 54.29 54.88 0.21 91.0453 3179 HOME STATE INS GRP 139,717 138,703 59.45 61.41 0.21 91.2554 71 UNIVERSAL INS CO GRP 138,192 144,506 61.24 61.48 0.21 91.4655 3489 DELEK GRP 131,657 132,974 61.90 62.88 0.20 91.6656 586 ARBELLA INS GRP 130,097 131,001 62.92 64.50 0.20 91.8657 561 GEORGIA FARM BUREAU GRP 118,684 125,625 48.98 49.05 0.18 92.0458 33 CALIFORNIA CAS MGMT GRP 111,048 112,433 56.14 56.88 0.17 92.2159 3702 LOYA GRP 110,826 109,297 63.21 73.57 0.17 92.3860 542 INDIANA FARM BUREAU GRP 110,538 109,500 64.00 64.13 0.17 92.5461 1213 DIRECT GEN GRP 108,955 116,137 54.81 55.50 0.17 92.7162 67 MICHIGAN FARM BUREAU GRP 103,383 102,397 71.03 71.45 0.16 92.8763 3596 AFFIRMATIVE INS GRP 99,484 104,853 46.05 46.89 0.15 93.0264 1326 KINGSWAY GRP 98,207 118,111 56.82 60.13 0.15 93.1765 2518 CENTRAL SERV GRP 97,213 96,705 61.23 61.23 0.15 93.31




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 25405 SAFE AUTO INS CO 95,600 95,466 51.07 51.56 0.15 93.4667 415 PLYMOUTH ROCK INS GRP 91,700 92,323 72.07 73.37 0.14 93.6068 250 DONEGAL GRP 87,616 86,431 53.44 54.14 0.13 93.7369 761 ALLIANZ INS GRP 86,012 87,480 48.94 52.53 0.13 93.8670 311 MAIN STREET AMER GRP 83,220 85,284 60.93 61.22 0.13 93.9971 257 SAFEWAY INS GRP 83,186 84,990 50.82 51.54 0.13 94.1172 291 MOTORISTS MUT GRP 82,764 82,107 57.36 57.56 0.13 94.2473 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 78,033 81,807 61.21 61.31 0.12 94.3674 157 PUBLIC EMPLOYEES GRP 73,812 72,620 57.73 57.92 0.11 94.4775 36 CENTRAL MUT INS CO GRP 72,708 70,695 62.12 62.13 0.11 94.5876 153 PEKIN INS GRP 71,468 69,887 59.41 59.35 0.11 94.6977 1243 WEST BEND MUT GRP 69,887 68,006 61.48 61.57 0.11 94.7978 1309 FRANKENMUTH GRP 68,517 64,838 68.01 69.77 0.10 94.9079 220 OKLAHOMA FARM BUREAU GRP 65,202 63,149 76.99 77.75 0.10 95.0080 518 GRINNELL MUT GRP 63,239 62,643 60.79 60.92 0.10 95.0981 922 AMERICAN ASSETS GRP 63,029 49,246 58.21 60.02 0.10 95.1982 3638 PGC HOLDING CORP GRP 59,783 63,735 55.72 62.14 0.09 95.2883 14184 ACUITY A MUT INS CO 58,561 57,102 53.39 53.58 0.09 95.3784 3362 FIRST ACCEPTANCE INS GRP 56,833 62,043 43.93 44.25 0.09 95.4585 333 MUTUAL OF ENUMCLAW GRP 56,343 54,066 47.97 40.43 0.09 95.5486 361 MUNICH RE GRP 55,148 60,945 52.36 51.01 0.08 95.6287 771 AAA MID ATLANTIC INS GRP 53,131 54,454 54.76 57.20 0.08 95.7088 171 GERMANIA INS GRP 51,565 47,706 56.13 56.16 0.08 95.7889 3678 AMERICAN INDEPENDENT INS GRP 50,798 52,473 56.15 54.71 0.08 95.8690 17 LIFE OF THE SOUTH CORP GRP 49,702 48,931 10.91 11.24 0.08 95.9391 4256 ANCHOR INS HOLDINGS GRP 48,032 36,976 49.50 50.03 0.07 96.0192 271 PENNSYLVANIA NATL INS GRP 47,867 46,889 56.36 56.43 0.07 96.0893 203 VIRGINIA FARM BUREAU GRP 47,398 47,360 55.20 55.63 0.07 96.1594 411 MAPFRE INS GRP 46,162 47,689 55.02 56.13 0.07 96.2295 21261 ELECTRIC INS CO 44,827 45,751 51.92 51.99 0.07 96.2996 62 EMC INS CO GRP 43,178 36,267 57.58 58.17 0.07 96.3597 253 HARLEYSVILLE GRP 42,289 39,431 58.51 58.93 0.06 96.4298 13889 FARMERS MUT INS CO OF NE 40,549 40,572 60.84 60.91 0.06 96.4899 677 PHILADELPHIA CONSOLIDATED HOLDING GR 40,430 38,009 45.17 45.47 0.06 96.54100 84 AMERICAN FINANCIAL GRP 40,293 41,473 79.80 82.49 0.06 96.60101 242 SELECTIVE INS GRP 40,266 38,088 70.63 71.06 0.06 96.66102 1275 QUINCY MUT GRP 38,056 37,204 54.74 55.42 0.06 96.72103 1235 UNITED AUTOMOBILE INS GRP 36,495 37,938 27.99 30.21 0.06 96.78104 40150 MGA INS CO INC 35,264 35,935 42.76 43.89 0.05 96.83105 11711 ACCESS INS CO 34,996 38,094 61.31 61.69 0.05 96.88106 45 CONCORD GRP 34,668 34,933 59.89 60.09 0.05 96.94107 18309 PIONEER STATE MUT INS CO 34,015 33,332 78.94 79.23 0.05 96.99108 533 SOUTH CAROLINA FARM BUREAU MUT GRP 33,930 35,087 66.94 67.48 0.05 97.04109 207 WESTERN RESERVE 33,778 32,915 55.27 55.25 0.05 97.09110 303 GUIDEONE INS GRP 33,447 33,595 57.60 57.56 0.05 97.14111 3991 IMT MUT HOLDING GRP 33,353 32,130 60.50 61.60 0.05 97.19112 14176 HASTINGS MUT INS CO 33,182 31,632 78.58 81.47 0.05 97.24113 306 CUNA MUT GRP 31,890 26,479 62.92 68.76 0.05 97.29114 12583 ADIRONDACK INS EXCH 31,496 33,372 55.96 56.17 0.05 97.34115 10783 CORNERSTONE NATL INS CO 31,230 31,180 64.64 65.19 0.05 97.39116 11558 ASSURANCEAMERICA INS CO 31,177 30,564 45.71 46.08 0.05 97.43117 309 WESTERN NATL MUT 29,660 28,195 54.95 56.48 0.04 97.48118 514 MISSOURI FARM BUREAU GRP 28,401 28,022 55.99 56.60 0.04 97.52119 10730 AMERICAN ACCESS CAS CO 27,718 26,952 40.48 40.84 0.04 97.56120 96 SECURA INS GRP 27,386 27,265 63.30 64.18 0.04 97.60121 1281 BANKAMERICA CORP GRP 27,021 38,165 67.29 69.83 0.04 97.65122 842 FARM BUREAU GRP 26,972 27,035 60.20 62.24 0.04 97.69123 963 OHIO MUT GRP 26,683 26,152 65.93 66.29 0.04 97.73124 807 COLUMBIA INS GRP 26,226 25,529 60.97 60.86 0.04 97.77125 4683 MOUNTAIN WEST FARM GRP 25,926 25,373 60.72 62.25 0.04 97.81

**INDUSTRY TOTAL** 65,924,057 66,274,568 57.92 58.28 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 176 STATE FARM GRP 258,535 260,483 71.44 71.56 24.56 24.562 5 ALFA INS GRP 178,116 178,314 69.76 70.08 16.92 41.493 8 ALLSTATE INS GRP 126,206 127,095 45.18 45.42 11.99 53.484 31 BERKSHIRE HATHAWAY GRP 66,144 65,609 60.12 60.22 6.28 59.765 155 PROGRESSIVE GRP 61,418 62,546 62.05 62.17 5.84 65.606 200 UNITED SERV AUTOMOBILE ASSN GRP 55,204 55,032 64.46 64.91 5.24 70.847 140 NATIONWIDE CORP GRP 45,903 47,409 56.87 56.95 4.36 75.208 212 ZURICH INS GRP 43,687 43,318 54.23 55.05 4.15 79.359 111 LIBERTY MUT GRP 28,107 28,482 57.91 58.42 2.67 82.0210 3548 TRAVELERS GRP 21,415 21,795 52.67 52.83 2.03 84.06

**STATE TOTAL** 1,052,539 1,060,742 61.53 61.84 100.00 100.00. .

Alaska 1 176 STATE FARM GRP 37,515 37,253 63.42 63.44 23.67 23.672 8 ALLSTATE INS GRP 30,675 30,653 31.29 31.43 19.35 43.023 31 BERKSHIRE HATHAWAY GRP 28,420 28,586 42.01 42.10 17.93 60.954 200 UNITED SERV AUTOMOBILE ASSN GRP 23,685 22,847 58.00 58.53 14.94 75.905 155 PROGRESSIVE GRP 12,136 12,149 43.42 43.42 7.66 83.556 91 HARTFORD FIRE & CAS GRP 7,798 7,838 31.06 32.39 4.92 88.477 111 LIBERTY MUT GRP 5,247 5,339 46.50 47.31 3.31 91.788 50 COUNTRY INS & FIN SERV GRP 3,766 3,695 58.14 58.15 2.38 94.169 300 HORACE MANN GRP 3,510 3,545 43.26 43.33 2.21 96.3710 212 ZURICH INS GRP 2,075 1,445 49.83 49.82 1.31 97.68

**STATE TOTAL** 158,502 157,928 47.46 47.67 100.00 100.00. .

Arizona 1 176 STATE FARM GRP 247,319 247,707 61.49 61.53 16.75 16.752 212 ZURICH INS GRP 177,777 183,818 41.82 42.32 12.04 28.803 8 ALLSTATE INS GRP 164,711 171,790 39.73 40.09 11.16 39.954 31 BERKSHIRE HATHAWAY GRP 125,255 125,498 43.52 43.79 8.48 48.445 155 PROGRESSIVE GRP 124,793 124,322 50.62 50.73 8.45 56.896 473 AMERICAN FAMILY INS GRP 113,408 117,380 52.50 52.59 7.68 64.577 200 UNITED SERV AUTOMOBILE ASSN GRP 92,379 89,390 61.22 62.00 6.26 70.838 91 HARTFORD FIRE & CAS GRP 58,640 57,417 46.56 46.55 3.97 74.809 111 LIBERTY MUT GRP 56,695 59,121 50.63 51.09 3.84 78.6410 1278 CALIFORNIA STATE AUTO GRP 32,137 31,002 48.56 49.49 2.18 80.82

**STATE TOTAL** 1,476,246 1,497,748 49.90 50.28 100.00 100.00. .

Arkansas 1 176 STATE FARM GRP 157,600 155,375 74.41 74.59 25.43 25.432 483 SOUTHERN FARM BUREAU CAS GRP 94,713 93,891 82.05 82.44 15.28 40.713 8 ALLSTATE INS GRP 55,550 56,002 45.66 45.86 8.96 49.684 123 SHELTER INS GRP 49,974 49,245 72.63 72.71 8.06 57.745 212 ZURICH INS GRP 39,660 39,662 84.63 85.05 6.40 64.146 155 PROGRESSIVE GRP 31,924 32,151 57.07 57.13 5.15 69.297 140 NATIONWIDE CORP GRP 27,856 28,077 63.80 63.95 4.49 73.798 31 BERKSHIRE HATHAWAY GRP 23,365 22,196 70.29 70.44 3.77 77.569 200 UNITED SERV AUTOMOBILE ASSN GRP 19,963 19,384 80.66 81.22 3.22 80.7810 111 LIBERTY MUT GRP 13,663 14,064 55.35 56.10 2.20 82.98

**STATE TOTAL** 619,741 615,898 69.47 69.76 100.00 100.00. .

California 1 212 ZURICH INS GRP 1,206,420 1,230,434 52.19 52.46 14.57 14.572 176 STATE FARM GRP 1,122,360 1,161,102 55.62 55.88 13.56 28.133 1318 AUTO CLUB ENTERPRISES INS GRP 774,177 804,165 50.44 50.54 9.35 37.484 8 ALLSTATE INS GRP 701,540 686,683 61.40 61.98 8.47 45.965 660 MERCURY GEN GRP 700,106 712,812 61.80 61.87 8.46 54.426 1278 CALIFORNIA STATE AUTO GRP 672,692 678,889 52.65 52.73 8.13 62.547 31 BERKSHIRE HATHAWAY GRP 405,031 394,698 61.40 61.54 4.89 67.438 200 UNITED SERV AUTOMOBILE ASSN GRP 336,499 348,045 50.19 50.66 4.06 71.509 155 PROGRESSIVE GRP 330,575 337,011 53.07 53.34 3.99 75.4910 111 LIBERTY MUT GRP 294,870 293,882 51.44 51.89 3.56 79.05

**STATE TOTAL** 8,278,183 8,417,534 55.12 55.52 100.00 100.00. .

Colorado 1 176 STATE FARM GRP 229,241 230,371 86.80 86.76 20.89 20.892 212 ZURICH INS GRP 138,581 140,660 74.59 74.83 12.63 33.523 8 ALLSTATE INS GRP 103,814 107,890 53.56 53.81 9.46 42.984 473 AMERICAN FAMILY INS GRP 102,659 104,822 79.27 79.62 9.35 52.335 155 PROGRESSIVE GRP 90,179 90,623 73.26 73.24 8.22 60.55




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%



**STATE TOTAL** 1,097,429 1,106,790 73.93 74.23 100.00 100.00. .

Connecticut 1 8 ALLSTATE INS GRP 127,614 128,735 43.24 43.39 14.58 14.582 31 BERKSHIRE HATHAWAY GRP 115,147 113,221 61.93 62.07 13.16 27.743 111 LIBERTY MUT GRP 91,924 90,631 55.33 55.69 10.50 38.244 3548 TRAVELERS GRP 69,389 71,951 47.96 48.21 7.93 46.175 155 PROGRESSIVE GRP 60,736 60,641 59.62 59.59 6.94 53.116 241 METROPOLITAN GRP 43,608 42,823 51.71 51.84 4.98 58.097 140 NATIONWIDE CORP GRP 42,891 43,182 61.81 62.01 4.90 62.998 91 HARTFORD FIRE & CAS GRP 41,939 42,872 43.81 43.79 4.79 67.789 176 STATE FARM GRP 40,310 39,463 72.26 72.46 4.61 72.3910 200 UNITED SERV AUTOMOBILE ASSN GRP 35,926 35,568 55.51 55.93 4.10 76.49

**STATE TOTAL** 875,224 876,218 54.79 55.05 100.00 100.00. .

Delaware 1 176 STATE FARM GRP 37,920 37,787 78.91 78.89 20.17 20.172 140 NATIONWIDE CORP GRP 36,142 36,555 58.96 59.15 19.22 39.393 31 BERKSHIRE HATHAWAY GRP 21,804 22,054 62.77 62.92 11.60 50.994 111 LIBERTY MUT GRP 17,732 17,681 49.42 49.50 9.43 60.425 8 ALLSTATE INS GRP 12,489 12,876 52.21 52.75 6.64 67.066 155 PROGRESSIVE GRP 12,386 12,529 50.72 50.68 6.59 73.657 200 UNITED SERV AUTOMOBILE ASSN GRP 11,603 11,408 61.75 62.23 6.17 79.828 91 HARTFORD FIRE & CAS GRP 6,813 6,890 56.48 56.71 3.62 83.449 3548 TRAVELERS GRP 3,929 3,975 60.12 60.53 2.09 85.5310 212 ZURICH INS GRP 3,661 3,230 53.70 53.97 1.95 87.48

**STATE TOTAL** 188,024 189,487 60.12 60.32 100.00 100.00. .

District of Columbia 1 31 BERKSHIRE HATHAWAY GRP 45,725 45,416 50.02 50.09 37.68 37.682 176 STATE FARM GRP 23,120 23,195 76.09 76.02 19.05 56.733 8 ALLSTATE INS GRP 11,325 11,357 31.04 31.65 9.33 66.074 200 UNITED SERV AUTOMOBILE ASSN GRP 10,058 9,966 45.16 45.61 8.29 74.365 155 PROGRESSIVE GRP 7,008 6,820 53.39 53.35 5.77 80.136 140 NATIONWIDE CORP GRP 6,173 6,268 61.83 62.31 5.09 85.227 3548 TRAVELERS GRP 3,599 3,680 45.24 46.49 2.97 88.188 111 LIBERTY MUT GRP 3,416 3,311 53.88 53.94 2.82 91.009 91 HARTFORD FIRE & CAS GRP 2,104 2,143 37.38 37.55 1.73 92.7310 213 ERIE INS GRP 2,011 1,963 48.90 49.12 1.66 94.39

**STATE TOTAL** 121,346 121,263 53.25 53.52 100.00 100.00. .

Florida 1 176 STATE FARM GRP 750,704 768,350 63.48 63.62 21.18 21.182 31 BERKSHIRE HATHAWAY GRP 603,683 599,798 53.12 53.26 17.03 38.223 8 ALLSTATE INS GRP 562,062 563,905 52.48 53.11 15.86 54.074 155 PROGRESSIVE GRP 409,076 416,394 55.94 56.11 11.54 65.625 200 UNITED SERV AUTOMOBILE ASSN GRP 196,077 191,119 64.33 64.90 5.53 71.156 111 LIBERTY MUT GRP 121,309 124,262 47.27 47.66 3.42 74.577 140 NATIONWIDE CORP GRP 89,414 95,323 57.36 58.67 2.52 77.098 91 HARTFORD FIRE & CAS GRP 68,532 72,269 54.57 54.87 1.93 79.039 212 ZURICH INS GRP 68,372 75,948 51.21 51.85 1.93 80.9610 3548 TRAVELERS GRP 66,701 66,803 53.54 53.91 1.88 82.84

**STATE TOTAL** 3,544,111 3,599,150 56.09 56.54 100.00 100.00. .

Georgia 1 176 STATE FARM GRP 493,858 508,987 61.19 61.22 21.39 21.392 8 ALLSTATE INS GRP 339,683 344,038 43.80 44.15 14.71 36.103 155 PROGRESSIVE GRP 238,642 241,199 59.52 59.63 10.34 46.444 31 BERKSHIRE HATHAWAY GRP 191,056 188,839 56.76 56.84 8.28 54.725 200 UNITED SERV AUTOMOBILE ASSN GRP 170,157 167,204 53.18 53.57 7.37 62.096 561 GEORGIA FARM BUREAU GRP 118,684 125,625 48.98 49.05 5.14 67.237 111 LIBERTY MUT GRP 110,053 110,155 49.14 49.36 4.77 71.998 140 NATIONWIDE CORP GRP 79,518 82,087 48.36 48.45 3.44 75.449 3548 TRAVELERS GRP 69,273 73,037 51.03 51.35 3.00 78.4410 50 COUNTRY INS & FIN SERV GRP 41,699 42,853 56.18 56.21 1.81 80.25




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 2,308,707 2,349,969 52.88 53.12 100.00 100.00. .

Hawaii 1 31 BERKSHIRE HATHAWAY GRP 51,805 52,577 47.09 47.23 21.27 21.272 176 STATE FARM GRP 40,654 40,170 54.63 54.75 16.69 37.963 200 UNITED SERV AUTOMOBILE ASSN GRP 32,980 32,371 51.47 51.90 13.54 51.504 212 ZURICH INS GRP 29,960 30,763 43.53 42.39 12.30 63.805 8 ALLSTATE INS GRP 19,554 19,824 38.23 38.38 8.03 71.836 155 PROGRESSIVE GRP 16,254 16,538 42.19 42.20 6.67 78.507 111 LIBERTY MUT GRP 10,663 10,694 39.51 39.68 4.38 82.888 4513 AIOI INS GRP 10,059 10,202 47.38 48.28 4.13 87.019 106 ISLAND INS CO GRP 9,992 10,131 28.91 29.51 4.10 91.1110 218 CNA INS GRP 7,277 7,584 30.62 29.81 2.99 94.10

**STATE TOTAL** 243,572 245,844 45.24 45.29 100.00 100.00. .

Idaho 1 176 STATE FARM GRP 41,398 41,338 55.59 55.61 14.98 14.982 8 ALLSTATE INS GRP 34,756 35,210 34.65 34.78 12.58 27.553 212 ZURICH INS GRP 34,596 35,145 53.64 53.91 12.52 40.074 842 FARM BUREAU GRP 26,972 27,035 60.20 62.24 9.76 49.835 111 LIBERTY MUT GRP 24,664 25,041 44.87 45.51 8.92 58.766 31 BERKSHIRE HATHAWAY GRP 19,808 20,114 51.35 51.47 7.17 65.927 155 PROGRESSIVE GRP 16,868 16,701 53.03 53.08 6.10 72.038 200 UNITED SERV AUTOMOBILE ASSN GRP 12,131 12,155 56.86 57.51 4.39 76.429 473 AMERICAN FAMILY INS GRP 10,166 10,198 61.87 61.94 3.68 80.0910 91 HARTFORD FIRE & CAS GRP 7,111 7,275 46.92 46.96 2.57 82.67

**STATE TOTAL** 276,373 277,923 50.86 51.05 100.00 100.00. .

Illinois 1 176 STATE FARM GRP 741,972 747,060 67.59 67.75 29.66 29.662 8 ALLSTATE INS GRP 355,671 362,721 35.97 36.65 14.22 43.883 50 COUNTRY INS & FIN SERV GRP 188,391 187,040 60.39 60.45 7.53 51.414 473 AMERICAN FAMILY INS GRP 128,917 129,358 57.30 57.47 5.15 56.575 212 ZURICH INS GRP 120,988 121,992 57.11 57.60 4.84 61.406 31 BERKSHIRE HATHAWAY GRP 99,642 98,344 56.78 56.99 3.98 65.397 155 PROGRESSIVE GRP 88,663 89,540 56.17 56.33 3.54 68.938 111 LIBERTY MUT GRP 76,115 75,459 54.14 54.43 3.04 71.979 241 METROPOLITAN GRP 50,740 51,091 47.36 47.44 2.03 74.0010 200 UNITED SERV AUTOMOBILE ASSN GRP 46,625 45,549 67.78 68.30 1.86 75.86

**STATE TOTAL** 2,501,450 2,512,616 56.98 57.45 100.00 100.00. .

Indiana 1 176 STATE FARM GRP 285,506 285,740 67.76 67.90 24.47 24.472 542 INDIANA FARM BUREAU GRP 106,218 105,195 64.10 64.23 9.10 33.573 8 ALLSTATE INS GRP 100,944 102,423 35.93 36.23 8.65 42.224 155 PROGRESSIVE GRP 89,131 91,257 55.96 55.95 7.64 49.865 473 AMERICAN FAMILY INS GRP 64,593 66,098 55.77 56.05 5.54 55.406 111 LIBERTY MUT GRP 47,397 48,116 56.56 56.97 4.06 59.467 31 BERKSHIRE HATHAWAY GRP 41,462 40,982 58.46 58.50 3.55 63.018 212 ZURICH INS GRP 41,326 42,427 61.48 61.82 3.54 66.569 140 NATIONWIDE CORP GRP 29,455 30,705 60.65 60.84 2.52 69.0810 213 ERIE INS GRP 28,402 27,868 61.95 62.31 2.43 71.51

**STATE TOTAL** 1,166,816 1,169,720 59.25 59.55 100.00 100.00. .

Iowa 1 176 STATE FARM GRP 132,152 130,628 68.49 68.68 21.22 21.222 140 NATIONWIDE CORP GRP 76,675 76,697 56.21 56.18 12.31 33.543 155 PROGRESSIVE GRP 75,535 74,943 60.92 60.94 12.13 45.674 473 AMERICAN FAMILY INS GRP 46,992 46,359 55.62 55.77 7.55 53.215 513 IOWA FARM BUREAU GRP 45,499 43,519 66.56 66.72 7.31 60.526 518 GRINNELL MUT GRP 32,384 32,066 62.65 62.77 5.20 65.727 3991 IMT MUT HOLDING GRP 20,767 20,428 55.07 55.31 3.34 69.068 8 ALLSTATE INS GRP 19,506 19,882 36.24 36.28 3.13 72.199 280 AUTO OWNERS GRP 14,216 13,827 60.28 60.54 2.28 74.4710 212 ZURICH INS GRP 13,501 13,231 61.91 62.46 2.17 76.64

**STATE TOTAL** 622,690 613,660 61.50 61.67 100.00 100.00. .





StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 513 IOWA FARM BUREAU GRP 62,887 62,678 62.92 63.02 9.27 55.415 155 PROGRESSIVE GRP 52,530 51,309 66.36 66.38 7.74 63.156 8 ALLSTATE INS GRP 34,129 34,798 42.41 43.29 5.03 68.187 140 NATIONWIDE CORP GRP 29,007 29,392 50.04 49.92 4.28 72.468 200 UNITED SERV AUTOMOBILE ASSN GRP 28,785 28,113 74.81 75.31 4.24 76.709 111 LIBERTY MUT GRP 28,200 28,635 54.63 55.04 4.16 80.8610 31 BERKSHIRE HATHAWAY GRP 21,969 21,341 74.91 75.17 3.24 84.10

**STATE TOTAL** 678,391 673,857 63.29 63.47 100.00 100.00. .

Kentucky 1 109 KENTUCKY FARM BUREAU GRP 166,690 165,080 73.74 73.95 22.36 22.362 176 STATE FARM GRP 161,968 162,494 76.39 76.47 21.72 44.083 8 ALLSTATE INS GRP 63,499 66,014 50.39 50.69 8.52 52.594 111 LIBERTY MUT GRP 55,049 56,542 58.90 59.24 7.38 59.985 155 PROGRESSIVE GRP 53,183 53,805 63.95 64.01 7.13 67.116 200 UNITED SERV AUTOMOBILE ASSN GRP 27,625 26,890 78.76 79.26 3.70 70.827 140 NATIONWIDE CORP GRP 24,969 25,002 64.89 65.11 3.35 74.168 175 STATE AUTO MUT GRP 24,876 24,800 58.53 58.84 3.34 77.509 31 BERKSHIRE HATHAWAY GRP 22,739 22,308 61.97 62.10 3.05 80.5510 267 GRANGE MUT CAS GRP 22,675 22,309 56.91 57.13 3.04 83.59

**STATE TOTAL** 745,615 747,039 66.75 67.00 100.00 100.00. .

Louisiana 1 176 STATE FARM GRP 425,755 423,482 59.72 60.13 32.50 32.502 8 ALLSTATE INS GRP 190,756 192,530 41.74 42.54 14.56 47.063 155 PROGRESSIVE GRP 140,601 138,143 55.03 55.08 10.73 57.804 31 BERKSHIRE HATHAWAY GRP 86,121 85,377 49.82 49.93 6.57 64.375 483 SOUTHERN FARM BUREAU CAS GRP 85,209 87,186 49.42 51.44 6.50 70.876 3596 AFFIRMATIVE INS GRP 51,813 53,039 44.91 45.66 3.96 74.837 111 LIBERTY MUT GRP 51,524 49,964 44.82 45.36 3.93 78.768 200 UNITED SERV AUTOMOBILE ASSN GRP 49,725 48,551 58.08 58.61 3.80 82.569 212 ZURICH INS GRP 18,397 18,315 47.66 48.37 1.40 83.9610 1318 AUTO CLUB ENTERPRISES INS GRP 18,185 18,521 49.65 54.02 1.39 85.35

**STATE TOTAL** 1,309,989 1,312,757 52.23 52.85 100.00 100.00. .

Maine 1 176 STATE FARM GRP 32,895 32,711 58.05 58.03 12.33 12.332 8 ALLSTATE INS GRP 28,387 28,967 26.39 26.36 10.64 22.963 111 LIBERTY MUT GRP 26,844 26,547 44.81 45.01 10.06 33.024 155 PROGRESSIVE GRP 25,951 25,769 50.03 49.91 9.72 42.755 31 BERKSHIRE HATHAWAY GRP 14,461 14,296 51.08 51.28 5.42 48.166 45 CONCORD GRP 12,759 12,762 60.08 60.24 4.78 52.947 200 UNITED SERV AUTOMOBILE ASSN GRP 11,342 11,578 47.15 47.55 4.25 57.198 1275 QUINCY MUT GRP 9,153 9,293 36.41 36.56 3.43 60.629 1129 WHITE MOUNTAINS GRP 9,134 10,050 37.34 37.49 3.42 64.0510 3548 TRAVELERS GRP 8,786 9,177 44.19 44.44 3.29 67.34

**STATE TOTAL** 266,876 268,370 47.36 47.54 100.00 100.00. .

Maryland 1 31 BERKSHIRE HATHAWAY GRP 309,168 306,919 59.71 59.79 21.49 21.492 176 STATE FARM GRP 274,908 275,272 75.76 75.58 19.10 40.593 8 ALLSTATE INS GRP 208,288 212,046 48.15 48.75 14.48 55.074 140 NATIONWIDE CORP GRP 137,111 137,860 58.42 58.76 9.53 64.595 200 UNITED SERV AUTOMOBILE ASSN GRP 100,004 97,804 66.56 67.13 6.95 71.546 213 ERIE INS GRP 89,057 85,015 58.38 58.63 6.19 77.737 155 PROGRESSIVE GRP 83,434 83,098 58.18 58.17 5.80 83.538 111 LIBERTY MUT GRP 62,923 62,186 57.22 57.38 4.37 87.909 3548 TRAVELERS GRP 27,467 28,596 54.13 54.62 1.91 89.8110 91 HARTFORD FIRE & CAS GRP 16,390 15,912 64.53 64.86 1.14 90.95

**STATE TOTAL** 1,438,943 1,435,841 60.82 61.06 100.00 100.00. .

Massachusetts 1 816 COMMERCE INC GRP 413,839 422,861 68.80 69.20 30.17 30.172 188 SAFETY GRP 143,512 144,348 64.77 65.71 10.46 40.633 111 LIBERTY MUT GRP 135,206 124,909 73.37 73.58 9.86 50.484 586 ARBELLA INS GRP 120,978 122,139 64.41 66.01 8.82 59.305 415 PLYMOUTH ROCK INS GRP 83,577 84,257 73.13 74.29 6.09 65.396 3548 TRAVELERS GRP 76,631 80,920 58.71 59.23 5.59 70.987 241 METROPOLITAN GRP 74,064 79,788 69.62 69.96 5.40 76.388 88 THE HANOVER INS GRP 50,978 50,940 61.12 61.36 3.72 80.09




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%



**STATE TOTAL** 1,371,859 1,374,678 68.46 69.21 100.00 100.00. .

Michigan 1 55 AUTOMOBILE CLUB MI GRP 521,519 534,187 55.83 56.12 20.77 20.772 176 STATE FARM GRP 444,135 447,776 70.53 70.85 17.69 38.463 280 AUTO OWNERS GRP 262,717 260,654 72.61 72.53 10.46 48.924 88 THE HANOVER INS GRP 200,503 196,583 60.30 60.36 7.98 56.905 155 PROGRESSIVE GRP 190,450 197,978 56.49 56.59 7.58 64.496 8 ALLSTATE INS GRP 187,394 187,076 44.26 44.46 7.46 71.957 67 MICHIGAN FARM BUREAU GRP 103,383 102,397 71.03 71.45 4.12 76.078 212 ZURICH INS GRP 71,056 76,758 63.65 63.80 2.83 78.909 111 LIBERTY MUT GRP 62,177 62,860 51.98 52.05 2.48 81.3710 140 NATIONWIDE CORP GRP 60,792 61,751 65.00 65.45 2.42 83.79

**STATE TOTAL** 2,511,051 2,534,705 62.27 62.54 100.00 100.00. .

Minnesota 1 176 STATE FARM GRP 252,268 253,062 64.01 64.07 22.81 22.812 473 AMERICAN FAMILY INS GRP 151,809 151,293 52.90 52.97 13.72 36.533 155 PROGRESSIVE GRP 123,754 125,275 56.86 56.82 11.19 47.724 212 ZURICH INS GRP 96,626 95,702 56.48 56.44 8.74 56.465 8 ALLSTATE INS GRP 63,750 65,394 40.04 40.18 5.76 62.226 280 AUTO OWNERS GRP 37,173 36,229 51.79 52.08 3.36 65.587 241 METROPOLITAN GRP 30,295 31,193 38.22 38.21 2.74 68.328 55 AUTOMOBILE CLUB MI GRP 29,030 28,280 64.40 64.79 2.62 70.949 111 LIBERTY MUT GRP 28,860 28,427 47.40 47.65 2.61 73.5510 200 UNITED SERV AUTOMOBILE ASSN GRP 26,670 26,323 54.05 54.60 2.41 75.96

**STATE TOTAL** 1,106,096 1,104,247 55.39 55.56 100.00 100.00. .

Mississippi 1 176 STATE FARM GRP 152,201 152,539 69.99 70.00 25.43 25.432 483 SOUTHERN FARM BUREAU CAS GRP 87,079 89,833 58.39 59.68 14.55 39.973 8 ALLSTATE INS GRP 61,307 60,989 42.83 43.15 10.24 50.214 155 PROGRESSIVE GRP 56,157 57,008 55.26 55.31 9.38 59.595 140 NATIONWIDE CORP GRP 31,465 31,481 50.93 51.21 5.26 64.856 31 BERKSHIRE HATHAWAY GRP 27,064 26,742 56.90 57.04 4.52 69.377 200 UNITED SERV AUTOMOBILE ASSN GRP 24,711 24,539 56.77 57.33 4.13 73.508 5 ALFA INS GRP 24,181 24,291 61.02 61.03 4.04 77.549 111 LIBERTY MUT GRP 16,726 16,987 45.37 45.96 2.79 80.3310 123 SHELTER INS GRP 13,728 13,570 58.08 58.15 2.29 82.63

**STATE TOTAL** 598,619 604,073 57.25 57.59 100.00 100.00. .

Missouri 1 176 STATE FARM GRP 303,717 300,258 59.43 59.58 24.19 24.192 473 AMERICAN FAMILY INS GRP 220,123 219,844 63.12 63.36 17.53 41.723 155 PROGRESSIVE GRP 79,419 78,994 52.32 52.38 6.33 48.054 111 LIBERTY MUT GRP 72,744 74,166 46.68 47.15 5.79 53.845 212 ZURICH INS GRP 72,379 73,306 51.40 51.64 5.76 59.616 123 SHELTER INS GRP 68,498 67,573 64.66 64.81 5.46 65.067 8 ALLSTATE INS GRP 58,271 60,293 37.20 37.45 4.64 69.718 31 BERKSHIRE HATHAWAY GRP 48,801 48,095 58.85 61.01 3.89 73.599 1318 AUTO CLUB ENTERPRISES INS GRP 45,987 45,209 60.53 61.20 3.66 77.2610 140 NATIONWIDE CORP GRP 37,097 35,916 59.93 59.98 2.95 80.21

**STATE TOTAL** 1,255,486 1,248,814 57.12 57.47 100.00 100.00. .

Montana 1 176 STATE FARM GRP 45,139 44,586 67.09 66.84 20.33 20.332 111 LIBERTY MUT GRP 26,364 26,696 50.47 50.98 11.87 32.203 212 ZURICH INS GRP 26,229 26,529 57.69 57.99 11.81 44.024 155 PROGRESSIVE GRP 16,299 16,027 59.18 59.51 7.34 51.365 91 HARTFORD FIRE & CAS GRP 14,715 14,966 51.45 51.52 6.63 57.996 200 UNITED SERV AUTOMOBILE ASSN GRP 12,250 12,126 55.24 55.69 5.52 63.507 8 ALLSTATE INS GRP 11,922 12,030 40.84 40.85 5.37 68.878 4683 MOUNTAIN WEST FARM GRP 10,243 9,872 64.22 65.99 4.61 73.499 215 UNITRIN GRP 7,634 7,496 62.81 62.94 3.44 76.9310 84 AMERICAN FINANCIAL GRP 7,163 6,675 110.95 112.54 3.23 80.15

**STATE TOTAL** 222,026 221,329 59.50 59.79 100.00 100.00. .





StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 473 AMERICAN FAMILY INS GRP 36,129 36,293 61.65 61.76 9.54 34.373 155 PROGRESSIVE GRP 34,843 34,694 65.32 65.32 9.20 43.574 13889 FARMERS MUT INS CO OF NE 34,104 34,101 59.09 59.15 9.01 52.585 513 IOWA FARM BUREAU GRP 24,770 23,394 72.43 72.62 6.54 59.126 212 ZURICH INS GRP 21,512 21,495 51.76 52.07 5.68 64.807 140 NATIONWIDE CORP GRP 19,679 19,590 62.57 62.47 5.20 70.008 8 ALLSTATE INS GRP 18,054 18,134 38.16 38.25 4.77 74.779 200 UNITED SERV AUTOMOBILE ASSN GRP 12,258 11,978 63.93 64.49 3.24 78.0010 31 BERKSHIRE HATHAWAY GRP 12,156 11,958 62.53 62.92 3.21 81.21

**STATE TOTAL** 378,649 375,111 62.91 63.02 100.00 100.00. .

Nevada 1 176 STATE FARM GRP 77,148 76,570 65.20 65.44 13.59 13.592 8 ALLSTATE INS GRP 73,533 74,675 42.13 42.62 12.95 26.543 212 ZURICH INS GRP 69,289 71,240 52.88 53.50 12.21 38.754 1278 CALIFORNIA STATE AUTO GRP 44,587 45,079 50.57 50.97 7.85 46.605 155 PROGRESSIVE GRP 43,126 42,768 45.66 45.72 7.60 54.206 31 BERKSHIRE HATHAWAY GRP 36,554 37,154 41.30 41.56 6.44 60.647 473 AMERICAN FAMILY INS GRP 35,343 38,254 54.45 54.80 6.23 66.878 200 UNITED SERV AUTOMOBILE ASSN GRP 28,204 27,960 51.44 51.97 4.97 71.839 91 HARTFORD FIRE & CAS GRP 26,632 26,793 49.06 49.15 4.69 76.5310 111 LIBERTY MUT GRP 26,147 26,781 47.94 48.13 4.61 81.13

**STATE TOTAL** 567,673 577,801 50.28 50.66 100.00 100.00. .

New Hampshire 1 111 LIBERTY MUT GRP 40,964 41,125 47.12 47.61 13.58 13.582 176 STATE FARM GRP 36,448 37,027 62.68 62.79 12.09 25.673 8 ALLSTATE INS GRP 33,081 33,605 34.43 34.55 10.97 36.644 155 PROGRESSIVE GRP 28,098 28,824 54.76 54.61 9.32 45.965 31 BERKSHIRE HATHAWAY GRP 25,047 26,021 54.58 54.72 8.31 54.276 200 UNITED SERV AUTOMOBILE ASSN GRP 15,294 15,028 46.80 47.24 5.07 59.347 241 METROPOLITAN GRP 12,874 13,259 47.21 47.25 4.27 63.618 45 CONCORD GRP 12,331 12,478 59.67 59.88 4.09 67.709 28 AMICA MUT GRP 11,292 11,082 46.32 47.63 3.74 71.4410 91 HARTFORD FIRE & CAS GRP 8,738 9,157 62.05 62.06 2.90 74.34

**STATE TOTAL** 301,550 304,536 52.11 52.39 100.00 100.00. .

New Jersey 1 8 ALLSTATE INS GRP 326,791 335,954 38.16 38.56 17.09 17.092 708 NEW JERSEY MANUFACTURERS GRP 264,432 259,855 54.42 55.30 13.83 30.923 31 BERKSHIRE HATHAWAY GRP 249,647 248,791 59.88 60.00 13.06 43.984 1227 PALISADES GRP 218,189 216,109 45.72 46.54 11.41 55.405 176 STATE FARM GRP 166,091 165,422 67.93 68.15 8.69 64.086 111 LIBERTY MUT GRP 130,048 129,190 53.91 54.12 6.80 70.897 200 UNITED SERV AUTOMOBILE ASSN GRP 100,623 99,359 33.05 33.34 5.26 76.158 3548 TRAVELERS GRP 76,997 84,605 53.33 53.00 4.03 80.189 155 PROGRESSIVE GRP 72,818 70,338 60.34 60.57 3.81 83.9910 212 ZURICH INS GRP 69,875 75,236 45.78 46.24 3.65 87.64

**STATE TOTAL** 1,911,810 1,924,108 50.83 51.28 100.00 100.00. .

New Mexico 1 176 STATE FARM GRP 77,477 77,560 69.21 69.46 18.05 18.052 212 ZURICH INS GRP 70,032 71,371 48.09 48.23 16.31 34.363 8 ALLSTATE INS GRP 51,211 51,966 40.84 41.03 11.93 46.294 155 PROGRESSIVE GRP 40,387 40,041 54.41 54.36 9.41 55.695 31 BERKSHIRE HATHAWAY GRP 38,260 37,562 52.81 52.95 8.91 64.606 200 UNITED SERV AUTOMOBILE ASSN GRP 30,597 29,627 61.60 63.63 7.13 71.737 91 HARTFORD FIRE & CAS GRP 20,528 20,375 48.20 48.35 4.78 76.518 111 LIBERTY MUT GRP 19,647 19,858 49.81 50.13 4.58 81.099 169 SENTRY INS GRP 10,520 10,569 40.77 40.45 2.45 83.5410 513 IOWA FARM BUREAU GRP 8,735 8,414 41.23 41.25 2.03 85.57

**STATE TOTAL** 429,337 432,297 53.34 53.80 100.00 100.00. .

New York 1 31 BERKSHIRE HATHAWAY GRP 793,353 795,840 60.49 60.57 23.61 23.612 8 ALLSTATE INS GRP 659,046 659,684 51.62 52.32 19.61 43.223 176 STATE FARM GRP 382,303 379,607 70.38 70.54 11.38 54.604 111 LIBERTY MUT GRP 207,937 202,398 58.17 58.44 6.19 60.795 3548 TRAVELERS GRP 177,767 180,183 54.78 55.30 5.29 66.086 155 PROGRESSIVE GRP 176,081 179,785 61.41 61.46 5.24 71.32




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 200 UNITED SERV AUTOMOBILE ASSN GRP 97,392 96,119 50.27 50.66 2.90 74.228 2518 CENTRAL SERV GRP 97,213 96,705 61.23 61.23 2.89 77.119 241 METROPOLITAN GRP 95,220 94,922 56.82 56.88 2.83 79.9510 140 NATIONWIDE CORP GRP 91,432 92,497 65.45 65.82 2.72 82.67

**STATE TOTAL** 3,360,184 3,364,098 58.60 58.96 100.00 100.00. .


**STATE TOTAL** 1,782,711 1,791,569 57.73 57.93 100.00 100.00. .

North Dakota 1 176 STATE FARM GRP 25,486 25,197 60.05 60.18 14.86 14.862 473 AMERICAN FAMILY INS GRP 23,425 23,421 45.85 45.94 13.66 28.533 155 PROGRESSIVE GRP 18,914 18,744 52.59 52.57 11.03 39.564 3500 NODAK MUT GRP 16,996 16,465 61.72 62.07 9.91 49.475 796 QBE INS GRP 14,878 14,661 53.88 53.94 8.68 58.156 280 AUTO OWNERS GRP 8,198 7,972 42.44 42.52 4.78 62.937 200 UNITED SERV AUTOMOBILE ASSN GRP 6,190 6,015 60.26 60.74 3.61 66.548 212 ZURICH INS GRP 6,181 6,079 49.29 50.43 3.60 70.149 34606 CENTER MUT INS CO 5,863 5,899 63.18 63.27 3.42 73.5610 518 GRINNELL MUT GRP 5,079 5,002 60.44 60.44 2.96 76.52

**STATE TOTAL** 171,465 168,074 53.56 53.77 100.00 100.00. .

Ohio 1 176 STATE FARM GRP 404,705 402,584 68.11 68.18 18.85 18.852 8 ALLSTATE INS GRP 254,407 256,453 39.79 40.07 11.85 30.693 155 PROGRESSIVE GRP 234,302 237,438 56.06 56.08 10.91 41.614 140 NATIONWIDE CORP GRP 231,110 233,270 53.87 54.06 10.76 52.375 267 GRANGE MUT CAS GRP 133,743 132,730 53.29 53.33 6.23 58.606 111 LIBERTY MUT GRP 83,535 81,959 55.95 56.25 3.89 62.497 31 BERKSHIRE HATHAWAY GRP 71,496 70,255 57.45 57.51 3.33 65.828 228 WESTFIELD GRP 69,625 70,479 50.67 51.29 3.24 69.069 213 ERIE INS GRP 56,294 55,346 58.09 58.55 2.62 71.6810 473 AMERICAN FAMILY INS GRP 53,845 53,488 61.34 61.78 2.51 74.19

**STATE TOTAL** 2,147,348 2,144,897 56.14 56.38 100.00 100.00. .

Oklahoma 1 176 STATE FARM GRP 182,727 180,227 74.91 75.12 22.81 22.812 212 ZURICH INS GRP 123,434 124,155 62.75 63.05 15.41 38.213 8 ALLSTATE INS GRP 70,652 71,449 49.31 49.55 8.82 47.034 220 OKLAHOMA FARM BUREAU GRP 65,202 63,149 76.99 77.75 8.14 55.175 155 PROGRESSIVE GRP 48,182 48,794 60.52 60.82 6.01 61.186 200 UNITED SERV AUTOMOBILE ASSN GRP 38,823 36,844 89.49 90.14 4.85 66.037 111 LIBERTY MUT GRP 34,565 34,753 52.66 53.14 4.31 70.348 31 BERKSHIRE HATHAWAY GRP 34,247 33,528 69.46 69.68 4.27 74.629 123 SHELTER INS GRP 27,073 26,544 77.44 77.74 3.38 78.0010 1321 AMERICAN FARMERS & RANCHERS GRP 25,587 25,044 63.49 63.42 3.19 81.19

**STATE TOTAL** 801,176 790,890 66.82 67.28 100.00 100.00. .

Oregon 1 176 STATE FARM GRP 139,410 139,790 62.96 63.05 20.81 20.812 212 ZURICH INS GRP 106,687 108,835 52.91 53.25 15.92 36.733 8 ALLSTATE INS GRP 66,114 67,227 39.11 39.33 9.87 46.604 111 LIBERTY MUT GRP 62,797 64,050 48.32 48.79 9.37 55.975 155 PROGRESSIVE GRP 60,816 59,482 55.37 55.49 9.08 65.056 31 BERKSHIRE HATHAWAY GRP 31,179 31,261 55.89 56.00 4.65 69.717 200 UNITED SERV AUTOMOBILE ASSN GRP 25,844 25,878 57.35 57.92 3.86 73.568 473 AMERICAN FAMILY INS GRP 24,004 25,184 53.67 53.94 3.58 77.159 50 COUNTRY INS & FIN SERV GRP 21,882 22,119 58.93 59.13 3.27 80.4110 91 HARTFORD FIRE & CAS GRP 17,892 17,793 49.91 50.05 2.67 83.08

**STATE TOTAL** 669,970 676,179 54.16 54.31 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%



2 8 ALLSTATE INS GRP 419,239 423,896 47.20 47.56 14.97 34.643 213 ERIE INS GRP 376,234 363,011 62.14 62.42 13.43 48.074 140 NATIONWIDE CORP GRP 299,595 299,602 61.37 61.63 10.70 58.775 155 PROGRESSIVE GRP 194,369 192,142 59.24 59.43 6.94 65.716 31 BERKSHIRE HATHAWAY GRP 151,604 149,704 57.10 57.15 5.41 71.127 111 LIBERTY MUT GRP 137,526 137,906 56.65 56.82 4.91 76.038 3548 TRAVELERS GRP 127,843 130,244 54.27 54.56 4.56 80.599 200 UNITED SERV AUTOMOBILE ASSN GRP 68,741 69,393 60.97 61.42 2.45 83.0510 250 DONEGAL GRP 50,195 49,128 47.73 48.50 1.79 84.84

**STATE TOTAL** 2,801,148 2,799,384 58.68 59.04 100.00 100.00. .

Rhode Island 1 8 ALLSTATE INS GRP 35,757 36,302 40.22 40.76 16.28 16.282 155 PROGRESSIVE GRP 30,515 31,381 61.05 60.99 13.89 30.173 28 AMICA MUT GRP 23,259 24,235 46.18 46.60 10.59 40.764 241 METROPOLITAN GRP 19,864 19,807 47.85 47.87 9.04 49.805 31 BERKSHIRE HATHAWAY GRP 16,981 16,761 73.47 73.60 7.73 57.536 111 LIBERTY MUT GRP 16,314 16,466 49.13 49.37 7.43 64.957 140 NATIONWIDE CORP GRP 15,133 15,475 66.82 67.13 6.89 71.848 200 UNITED SERV AUTOMOBILE ASSN GRP 10,841 11,149 59.13 59.58 4.94 76.789 3548 TRAVELERS GRP 8,531 8,953 65.93 66.53 3.88 80.6610 816 COMMERCE INC GRP 7,677 7,710 52.22 52.36 3.49 84.16

**STATE TOTAL** 219,677 223,289 54.45 54.69 100.00 100.00. .

South Carolina 1 176 STATE FARM GRP 228,439 230,969 65.60 65.58 24.43 24.432 8 ALLSTATE INS GRP 169,948 171,478 46.01 46.21 18.17 42.603 140 NATIONWIDE CORP GRP 96,316 96,905 58.61 58.78 10.30 52.904 31 BERKSHIRE HATHAWAY GRP 73,098 72,337 58.61 58.75 7.82 60.725 200 UNITED SERV AUTOMOBILE ASSN GRP 65,308 63,830 58.19 58.80 6.98 67.706 155 PROGRESSIVE GRP 47,047 46,963 52.27 52.27 5.03 72.737 3548 TRAVELERS GRP 39,422 41,509 52.57 52.95 4.22 76.958 111 LIBERTY MUT GRP 35,796 34,449 53.16 53.62 3.83 80.789 533 SOUTH CAROLINA FARM BUREAU MUT GRP 33,930 35,087 66.94 67.48 3.63 84.4110 280 AUTO OWNERS GRP 13,747 13,239 52.51 52.96 1.47 85.88

**STATE TOTAL** 935,130 942,381 56.72 56.95 100.00 100.00. .

South Dakota 1 176 STATE FARM GRP 29,539 29,722 74.78 74.80 16.55 16.552 155 PROGRESSIVE GRP 26,105 25,883 62.21 62.18 14.62 31.173 473 AMERICAN FAMILY INS GRP 23,978 24,002 59.97 60.06 13.43 44.604 212 ZURICH INS GRP 11,035 10,827 76.89 77.54 6.18 50.785 205 DE SMET INS GRP 7,559 7,452 81.48 81.51 4.23 55.026 140 NATIONWIDE CORP GRP 6,698 6,608 61.29 61.15 3.75 58.777 13889 FARMERS MUT INS CO OF NE 6,445 6,470 70.10 70.16 3.61 62.388 200 UNITED SERV AUTOMOBILE ASSN GRP 5,961 5,792 68.85 69.41 3.34 65.729 513 IOWA FARM BUREAU GRP 4,334 4,003 82.88 83.42 2.43 68.1510 280 AUTO OWNERS GRP 4,326 4,182 53.63 53.70 2.42 70.57

**STATE TOTAL** 178,519 176,022 67.82 68.00 100.00 100.00. .

Tennessee 1 176 STATE FARM GRP 279,963 285,631 63.26 63.34 23.46 23.462 694 TENNESSEE FARMERS GRP 253,049 251,089 62.15 62.83 21.21 44.673 8 ALLSTATE INS GRP 100,372 102,342 43.12 43.40 8.41 53.084 31 BERKSHIRE HATHAWAY GRP 66,404 65,832 56.40 56.46 5.56 58.645 140 NATIONWIDE CORP GRP 61,308 61,536 57.25 57.40 5.14 63.786 111 LIBERTY MUT GRP 51,778 52,253 52.92 53.43 4.34 68.127 200 UNITED SERV AUTOMOBILE ASSN GRP 49,691 48,175 66.91 67.41 4.16 72.288 155 PROGRESSIVE GRP 40,812 40,709 57.17 57.20 3.42 75.709 3548 TRAVELERS GRP 33,508 34,670 50.49 51.03 2.81 78.5110 212 ZURICH INS GRP 29,469 29,038 60.50 61.19 2.47 80.98

**STATE TOTAL** 1,193,307 1,205,130 57.78 58.16 100.00 100.00. .

Texas 1 176 STATE FARM GRP 1,149,012 1,139,407 73.70 73.81 19.74 19.742 212 ZURICH INS GRP 815,987 828,686 60.01 60.17 14.02 33.773 8 ALLSTATE INS GRP 695,302 702,980 56.43 56.88 11.95 45.714 155 PROGRESSIVE GRP 490,093 486,861 59.43 59.46 8.42 54.14




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 200 UNITED SERV AUTOMOBILE ASSN GRP 393,955 377,425 74.42 74.93 6.77 60.916 31 BERKSHIRE HATHAWAY GRP 390,068 390,458 60.16 60.28 6.70 67.617 809 TEXAS FARM BUREAU MUT GRP 220,603 216,454 69.99 69.48 3.79 71.408 140 NATIONWIDE CORP GRP 202,880 204,821 62.37 62.51 3.49 74.899 111 LIBERTY MUT GRP 168,513 169,580 58.03 58.39 2.90 77.7810 210 TITUS GRP 168,373 172,354 56.27 56.41 2.89 80.67

**STATE TOTAL** 5,819,451 5,807,573 63.40 63.91 100.00 100.00. .

Utah 1 8 ALLSTATE INS GRP 81,570 86,417 44.29 44.55 16.41 16.412 176 STATE FARM GRP 77,493 77,108 73.33 73.50 15.59 32.013 212 ZURICH INS GRP 68,457 68,862 51.27 51.41 13.78 45.784 473 AMERICAN FAMILY INS GRP 29,199 29,665 71.05 71.11 5.88 51.665 31 BERKSHIRE HATHAWAY GRP 27,886 27,534 55.61 55.83 5.61 57.276 155 PROGRESSIVE GRP 27,427 27,297 49.89 49.89 5.52 62.797 13471 BEAR RIVER MUT INS CO 21,781 21,623 62.48 62.48 4.38 67.178 200 UNITED SERV AUTOMOBILE ASSN GRP 19,848 19,213 66.78 67.65 3.99 71.179 140 NATIONWIDE CORP GRP 19,343 19,921 51.22 51.16 3.89 75.0610 111 LIBERTY MUT GRP 15,866 16,227 47.31 47.59 3.19 78.25

**STATE TOTAL** 496,936 498,536 56.32 56.50 100.00 100.00. .

Vermont 1 155 PROGRESSIVE GRP 17,266 17,391 50.59 50.58 11.98 11.982 31 BERKSHIRE HATHAWAY GRP 13,948 13,672 58.13 58.42 9.68 21.673 111 LIBERTY MUT GRP 13,219 13,352 45.43 45.72 9.18 30.844 8 ALLSTATE INS GRP 13,179 13,519 30.48 30.65 9.15 39.995 176 STATE FARM GRP 11,921 11,757 58.25 58.28 8.27 48.266 45 CONCORD GRP 9,577 9,693 59.92 60.15 6.65 54.917 91 HARTFORD FIRE & CAS GRP 9,258 9,419 50.15 50.01 6.43 61.348 140 NATIONWIDE CORP GRP 7,659 7,761 46.56 46.66 5.32 66.659 200 UNITED SERV AUTOMOBILE ASSN GRP 5,891 6,021 42.53 42.91 4.09 70.7410 195 UNION MUTUAL FIRE INS GRP 5,846 5,980 43.75 44.06 4.06 74.80

**STATE TOTAL** 144,068 145,060 49.25 49.45 100.00 100.00. .

Virginia 1 176 STATE FARM GRP 295,821 294,387 71.08 71.18 17.39 17.392 31 BERKSHIRE HATHAWAY GRP 263,833 261,728 61.03 61.10 15.51 32.893 200 UNITED SERV AUTOMOBILE ASSN GRP 218,400 214,231 68.18 68.81 12.84 45.734 8 ALLSTATE INS GRP 192,462 193,700 50.72 51.00 11.31 57.045 140 NATIONWIDE CORP GRP 183,088 187,191 57.34 57.53 10.76 67.806 155 PROGRESSIVE GRP 114,427 111,615 58.16 58.27 6.72 74.527 213 ERIE INS GRP 55,805 54,043 60.64 60.89 3.28 77.808 111 LIBERTY MUT GRP 49,445 49,015 56.88 57.02 2.91 80.719 203 VIRGINIA FARM BUREAU GRP 47,398 47,360 55.20 55.63 2.79 83.4910 3548 TRAVELERS GRP 44,947 47,140 49.18 49.41 2.64 86.13

**STATE TOTAL** 1,701,554 1,699,505 61.25 61.54 100.00 100.00. .

Washington 1 176 STATE FARM GRP 195,112 195,593 61.64 61.78 15.21 15.212 8 ALLSTATE INS GRP 149,670 152,309 40.57 40.82 11.67 26.883 212 ZURICH INS GRP 142,791 146,103 54.40 55.01 11.13 38.014 111 LIBERTY MUT GRP 119,436 121,209 53.03 53.71 9.31 47.325 200 UNITED SERV AUTOMOBILE ASSN GRP 90,811 90,949 59.73 60.38 7.08 54.406 31 BERKSHIRE HATHAWAY GRP 89,474 89,436 48.63 48.70 6.98 61.387 155 PROGRESSIVE GRP 85,146 85,131 52.35 52.39 6.64 68.018 157 PUBLIC EMPLOYEES GRP 73,812 72,620 57.73 57.92 5.75 73.779 91 HARTFORD FIRE & CAS GRP 48,404 49,192 48.81 48.89 3.77 77.5410 333 MUTUAL OF ENUMCLAW GRP 38,562 36,843 47.86 40.17 3.01 80.55

**STATE TOTAL** 1,282,756 1,291,010 53.39 53.49 100.00 100.00. .

West Virginia 1 176 STATE FARM GRP 116,992 114,790 71.08 71.24 28.08 28.082 140 NATIONWIDE CORP GRP 86,718 86,326 54.45 54.70 20.82 48.903 213 ERIE INS GRP 45,103 43,983 54.44 54.73 10.83 59.734 8 ALLSTATE INS GRP 36,370 37,144 47.41 47.66 8.73 68.465 111 LIBERTY MUT GRP 17,180 17,119 51.74 52.07 4.12 72.586 31 BERKSHIRE HATHAWAY GRP 16,555 16,170 63.53 63.62 3.97 76.567 91 HARTFORD FIRE & CAS GRP 16,144 16,295 67.12 67.28 3.88 80.438 228 WESTFIELD GRP 13,368 13,027 58.30 58.81 3.21 83.649 155 PROGRESSIVE GRP 13,067 12,999 49.38 49.69 3.14 86.78




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 200 UNITED SERV AUTOMOBILE ASSN GRP 11,218 11,090 60.88 61.30 2.69 89.47**STATE TOTAL** 416,572 412,512 59.20 59.39 100.00 100.00


2 176 STATE FARM GRP 140,774 141,068 63.09 63.14 14.03 38.213 155 PROGRESSIVE GRP 100,631 99,292 53.83 53.88 10.03 48.244 8 ALLSTATE INS GRP 43,255 43,409 35.41 35.59 4.31 52.555 14184 ACUITY A MUT INS CO 36,513 36,734 52.15 52.32 3.64 56.196 212 ZURICH INS GRP 32,160 32,452 60.03 60.26 3.20 59.397 1243 WEST BEND MUT GRP 27,747 26,621 56.66 56.71 2.76 62.158 796 QBE INS GRP 24,647 25,852 54.27 54.25 2.46 64.619 111 LIBERTY MUT GRP 24,405 24,201 54.17 54.42 2.43 67.0410 55 AUTOMOBILE CLUB MI GRP 23,707 23,299 55.27 55.73 2.36 69.40

**STATE TOTAL** 1,003,626 1,000,468 55.23 55.42 100.00 100.00. .

Wyoming 1 176 STATE FARM GRP 37,742 37,315 68.69 68.71 23.94 23.942 212 ZURICH INS GRP 20,378 20,009 62.94 63.54 12.93 36.873 155 PROGRESSIVE GRP 18,313 18,617 54.32 54.43 11.62 48.494 4683 MOUNTAIN WEST FARM GRP 15,457 15,274 58.77 60.15 9.81 58.295 111 LIBERTY MUT GRP 12,484 13,116 47.81 48.25 7.92 66.216 31 BERKSHIRE HATHAWAY GRP 10,424 10,333 50.67 51.01 6.61 72.827 8 ALLSTATE INS GRP 8,438 8,443 42.19 42.49 5.35 78.188 200 UNITED SERV AUTOMOBILE ASSN GRP 7,552 7,387 61.68 62.18 4.79 82.979 140 NATIONWIDE CORP GRP 6,985 7,128 50.63 50.51 4.43 87.4010 91 HARTFORD FIRE & CAS GRP 5,869 5,933 44.29 44.40 3.72 91.12

**STATE TOTAL** 157,640 157,864 57.05 57.41 100.00 100.00. .

Guam 1 13597 CHUNG KUO INS CO LTD 6,772 6,954 50.70 56.36 35.33 35.332 200 UNITED SERV AUTOMOBILE ASSN GRP 4,206 4,137 36.37 36.61 21.94 57.273 4672 DONGBU INS GRP 3,082 3,221 42.87 48.78 16.08 73.354 18380 PACIFIC IND INS CO 2,028 2,127 19.44 19.26 10.58 83.935 10972 FIRST NET INS CO 1,375 1,343 26.70 30.18 7.17 91.106 12633 CENTURY INS CO GU LTD 937 815 27.72 30.09 4.89 95.99

**STATE TOTAL** 19,169 19,448 38.56 41.96 100.00 100.00. .

Puerto Rico 1 71 UNIVERSAL INS CO GRP 132,204 139,892 60.35 60.60 47.73 47.732 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 76,038 79,869 59.28 59.36 27.45 75.183 411 MAPFRE INS GRP 44,622 46,375 55.02 56.10 16.11 91.294 40568 TRIPLE S PROPIEDAD INC 6,968 6,149 61.34 63.86 2.52 93.805 10140 OPTIMA INS CO 6,025 5,035 69.73 69.90 2.18 95.986 343 NATIONAL INS CO GRP 5,063 5,272 69.00 81.79 1.83 97.817 200 UNITED SERV AUTOMOBILE ASSN GRP 2,701 2,723 40.74 40.97 0.98 98.788 26778 INTEGRAND ASSUR CO 1,893 2,088 53.95 55.51 0.68 99.46

**STATE TOTAL** 276,998 289,233 59.33 60.01 100.00 100.00. .

U.S. Virgin Islands 1 17779 GUARDIAN INS CO INC 4,065 4,343 29.80 29.80 52.13 52.132 200 UNITED SERV AUTOMOBILE ASSN GRP 1,422 1,399 61.35 61.66 18.23 70.363 35858 COMPANION INC 1,417 0 N/A N/A 18.17 88.534 161 TOPA EQUITIES LTD GRP 785 811 -42.59 -36.10 10.07 98.605 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 99 90 -304.13 -301.49 1.27 99.87

**STATE TOTAL** 7,798 6,645 26.17 27.06 100.00 100.00. .


**STATE TOTAL** 599 635 72.14 87.36 100.00 100.00. .

Canada 1 176 STATE FARM GRP 315,527 325,430 54.46 54.77 95.77 95.772 79 GMAC INS HOLDING GRP 12,350 11,120 77.78 82.06 3.75 99.52

**STATE TOTAL** 329,474 338,648 55.70 56.18 100.00 100.00. .

Aggregate Other Alien 1 12 AMERICAN INTL GRP 303,562 300,792 54.58 55.75 79.50 79.502 200 UNITED SERV AUTOMOBILE ASSN GRP 35,078 35,258 33.13 33.35 9.19 88.683 306 CUNA MUT GRP 31,890 26,479 62.92 68.76 8.35 97.034 3678 AMERICAN INDEPENDENT INS GRP 6,780 6,557 26.19 26.19 1.78 98.81




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 381,861 373,464 51.80 52.61 100.00 100.00. .




Total Private Passenger Auto



States, U.S. Territories, Canada, and Aggregate Other AlienTotal Private Passenger Auto



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 176 STATE FARM GRP 30,586,466 30,464,183 74.04 77.28 18.62 18.622 8 ALLSTATE INS GRP 17,249,325 17,353,069 58.73 61.48 10.50 29.123 31 BERKSHIRE HATHAWAY GRP 13,481,538 13,308,350 66.94 69.82 8.21 37.334 155 PROGRESSIVE GRP 12,257,769 12,168,431 63.05 64.48 7.46 44.795 212 ZURICH INS GRP 10,442,100 10,585,774 56.21 58.40 6.36 51.156 140 NATIONWIDE CORP GRP 7,392,863 7,471,343 64.33 65.84 4.50 55.657 111 LIBERTY MUT GRP 7,160,608 7,124,841 57.71 59.79 4.36 60.018 200 UNITED SERV AUTOMOBILE ASSN GRP 6,747,371 6,616,664 66.54 68.61 4.11 64.129 3548 TRAVELERS GRP 3,364,166 3,424,004 56.84 60.41 2.05 66.1610 473 AMERICAN FAMILY INS GRP 3,308,437 3,319,283 62.15 65.16 2.01 68.1811 91 HARTFORD FIRE & CAS GRP 2,652,158 2,647,030 63.11 64.90 1.61 69.7912 660 MERCURY GEN GRP 2,109,128 2,134,533 54.88 59.95 1.28 71.0813 1318 AUTO CLUB ENTERPRISES INS GRP 2,054,108 2,085,191 51.60 53.56 1.25 72.3314 241 METROPOLITAN GRP 2,012,538 2,025,652 57.92 59.70 1.23 73.5515 213 ERIE INS GRP 1,865,107 1,841,395 66.08 68.15 1.14 74.6916 1278 CALIFORNIA STATE AUTO GRP 1,761,740 1,764,899 58.31 59.98 1.07 75.7617 215 UNITRIN GRP 1,399,086 1,445,904 63.89 66.00 0.85 76.6118 280 AUTO OWNERS GRP 1,359,828 1,315,013 103.53 106.12 0.83 77.4419 816 COMMERCE INC GRP 1,324,292 1,334,796 64.62 67.42 0.81 78.2520 55 AUTOMOBILE CLUB MI GRP 1,299,763 1,310,243 88.66 91.59 0.79 79.0421 12 AMERICAN INTL GRP 1,198,143 1,471,694 59.57 60.63 0.73 79.7722 79 GMAC INS HOLDING GRP 1,121,373 1,139,085 69.61 71.36 0.68 80.4523 1129 WHITE MOUNTAINS GRP 1,091,289 1,112,738 66.86 70.49 0.66 81.1124 88 THE HANOVER INS GRP 1,028,466 1,031,230 68.23 69.96 0.63 81.7425 50 COUNTRY INS & FIN SERV GRP 986,142 982,139 61.37 62.90 0.60 82.3426 169 SENTRY INS GRP 883,346 889,438 56.19 57.81 0.54 82.8827 28 AMICA MUT GRP 881,197 863,010 58.55 61.26 0.54 83.4128 3495 INFINITY PROP & CAS INS GRP 795,057 805,089 55.56 56.56 0.48 83.9029 708 NEW JERSEY MANUFACTURERS GRP 767,324 762,904 66.27 73.46 0.47 84.3730 483 SOUTHERN FARM BUREAU CAS GRP 678,989 685,037 67.84 69.98 0.41 84.7831 267 GRANGE MUT CAS GRP 659,156 645,936 61.88 63.08 0.40 85.1832 123 SHELTER INS GRP 630,830 622,927 70.44 72.63 0.38 85.5633 1227 PALISADES GRP 620,338 609,547 66.13 68.29 0.38 85.9434 175 STATE AUTO MUT GRP 614,158 581,071 59.75 62.92 0.37 86.3235 5 ALFA INS GRP 588,398 572,230 62.44 64.17 0.36 86.6736 4 AMERIPRISE FIN GRP 548,252 540,451 69.61 72.79 0.33 87.0137 694 TENNESSEE FARMERS GRP 518,127 514,869 69.22 71.43 0.32 87.3238 29378 OLD AMER CNTY MUT FIRE INS CO 468,208 451,586 68.02 72.66 0.29 87.6139 796 QBE INS GRP 466,466 458,276 62.68 65.88 0.28 87.8940 809 TEXAS FARM BUREAU MUT GRP 464,714 456,758 69.24 69.77 0.28 88.1841 408 AMERICAN NATL FIN GRP 462,244 460,482 71.08 75.03 0.28 88.4642 109 KENTUCKY FARM BUREAU GRP 431,932 427,539 79.07 80.30 0.26 88.7243 324 NORTH CAROLINA FARM BUREAU GRP 415,080 407,972 68.77 69.43 0.25 88.9744 38 CHUBB & SON INC GRP 396,294 414,384 48.64 48.16 0.24 89.2145 513 IOWA FARM BUREAU GRP 392,349 380,995 63.06 64.07 0.24 89.4546 188 SAFETY GRP 387,604 389,665 61.47 63.17 0.24 89.6947 300 HORACE MANN GRP 375,569 372,922 62.21 63.59 0.23 89.9248 1213 DIRECT GEN GRP 367,994 381,291 76.38 78.93 0.22 90.1449 3179 HOME STATE INS GRP 355,070 348,366 61.17 64.02 0.22 90.3650 3702 LOYA GRP 345,786 341,372 62.12 73.15 0.21 90.5751 25405 SAFE AUTO INS CO 345,267 341,600 56.57 58.23 0.21 90.7852 586 ARBELLA INS GRP 338,792 344,305 59.43 61.40 0.21 90.9853 210 TITUS GRP 335,459 343,830 57.85 58.13 0.20 91.1954 228 WESTFIELD GRP 331,402 333,379 58.75 61.12 0.20 91.3955 244 CINCINNATI FIN GRP 327,765 323,633 59.33 61.75 0.20 91.5956 1326 KINGSWAY GRP 324,592 376,280 68.37 75.97 0.20 91.7957 3596 AFFIRMATIVE INS GRP 301,731 307,866 67.02 71.27 0.18 91.9758 3489 DELEK GRP 289,838 287,397 69.76 72.43 0.18 92.1559 1179 WAWANESA INS GRP 284,870 280,243 78.60 80.37 0.17 92.3260 2518 CENTRAL SERV GRP 279,486 272,487 59.89 61.18 0.17 92.4961 561 GEORGIA FARM BUREAU GRP 253,802 261,634 60.75 62.12 0.15 92.6562 542 INDIANA FARM BUREAU GRP 251,089 249,212 64.42 66.18 0.15 92.8063 415 PLYMOUTH ROCK INS GRP 245,616 249,277 69.08 69.39 0.15 92.9564 33 CALIFORNIA CAS MGMT GRP 242,527 244,986 61.21 64.62 0.15 93.1065 67 MICHIGAN FARM BUREAU GRP 233,681 230,658 93.51 98.36 0.14 93.24




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 257 SAFEWAY INS GRP 232,025 234,278 54.32 55.69 0.14 93.3867 157 PUBLIC EMPLOYEES GRP 219,945 218,174 62.13 63.59 0.13 93.5168 3638 PGC HOLDING CORP GRP 217,555 218,602 59.48 61.71 0.13 93.6569 311 MAIN STREET AMER GRP 214,106 215,081 60.81 62.08 0.13 93.7870 1235 UNITED AUTOMOBILE INS GRP 204,702 213,102 51.05 51.72 0.12 93.9071 3678 AMERICAN INDEPENDENT INS GRP 189,387 194,952 57.43 51.91 0.12 94.0272 291 MOTORISTS MUT GRP 188,620 186,274 54.81 57.54 0.11 94.1373 761 ALLIANZ INS GRP 184,540 189,802 40.87 44.22 0.11 94.2474 250 DONEGAL GRP 183,662 179,248 63.89 65.25 0.11 94.3575 19 ASSURANT INC GRP 183,483 185,581 37.46 38.15 0.11 94.4776 11711 ACCESS INS CO 177,755 176,214 70.94 71.33 0.11 94.5777 36 CENTRAL MUT INS CO GRP 175,471 169,374 62.60 64.92 0.11 94.6878 40150 MGA INS CO INC 174,604 180,645 63.64 66.71 0.11 94.7979 3362 FIRST ACCEPTANCE INS GRP 171,476 182,046 54.42 55.97 0.10 94.8980 71 UNIVERSAL INS CO GRP 166,281 171,283 62.10 62.25 0.10 94.9981 771 AAA MID ATLANTIC INS GRP 164,569 165,264 71.62 75.07 0.10 95.0982 1243 WEST BEND MUT GRP 161,503 156,166 68.14 69.62 0.10 95.1983 922 AMERICAN ASSETS GRP 160,622 122,261 62.35 64.04 0.10 95.2984 153 PEKIN INS GRP 154,560 149,948 61.06 61.69 0.09 95.3885 333 MUTUAL OF ENUMCLAW GRP 150,012 144,166 69.01 72.14 0.09 95.4886 1309 FRANKENMUTH GRP 144,718 136,821 63.55 65.44 0.09 95.5687 14184 ACUITY A MUT INS CO 140,682 135,387 60.63 62.15 0.09 95.6588 242 SELECTIVE INS GRP 137,266 134,745 73.13 76.53 0.08 95.7389 220 OKLAHOMA FARM BUREAU GRP 137,094 134,437 80.25 81.83 0.08 95.8290 518 GRINNELL MUT GRP 129,688 127,726 53.16 54.70 0.08 95.9091 271 PENNSYLVANIA NATL INS GRP 124,721 122,025 58.65 61.37 0.08 95.9792 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 109,189 113,038 62.04 63.67 0.07 96.0493 21261 ELECTRIC INS CO 108,554 110,923 58.32 62.53 0.07 96.1094 253 HARLEYSVILLE GRP 106,812 100,036 61.45 63.74 0.07 96.1795 4256 ANCHOR INS HOLDINGS GRP 106,382 81,858 61.34 64.38 0.06 96.2396 11558 ASSURANCEAMERICA INS CO 105,217 102,035 74.19 78.29 0.06 96.3097 203 VIRGINIA FARM BUREAU GRP 104,204 104,402 55.58 55.94 0.06 96.3698 171 GERMANIA INS GRP 103,006 95,855 59.61 60.75 0.06 96.4299 533 SOUTH CAROLINA FARM BUREAU MUT GRP 98,525 100,214 66.30 67.49 0.06 96.48100 1275 QUINCY MUT GRP 94,998 93,654 64.10 64.38 0.06 96.54101 62 EMC INS CO GRP 94,192 79,714 60.10 61.59 0.06 96.60102 10807 ACCC INS CO 93,105 92,448 59.94 68.74 0.06 96.66103 12583 ADIRONDACK INS EXCH 92,072 94,849 62.30 66.74 0.06 96.71104 12223 SANTA FE AUTO INS CO 89,638 68,749 49.48 54.16 0.05 96.77105 10730 AMERICAN ACCESS CAS CO 88,620 83,055 47.91 48.71 0.05 96.82106 18309 PIONEER STATE MUT INS CO 85,221 82,956 73.30 74.78 0.05 96.87107 303 GUIDEONE INS GRP 84,936 85,675 57.23 59.90 0.05 96.92108 14176 HASTINGS MUT INS CO 83,487 79,340 75.91 80.21 0.05 96.97109 361 MUNICH RE GRP 82,905 88,659 48.26 48.48 0.05 97.02110 10783 CORNERSTONE NATL INS CO 81,443 79,487 70.67 71.41 0.05 97.07111 13889 FARMERS MUT INS CO OF NE 81,374 81,104 61.53 61.96 0.05 97.12112 45 CONCORD GRP 79,635 79,650 62.92 63.75 0.05 97.17113 10839 COUNTRYWIDE INS CO 77,038 77,356 55.05 71.06 0.05 97.22114 10920 ALLIANCE UNITED INS CO 75,366 68,583 67.51 72.59 0.05 97.27115 4051 OCEAN HARBOR GRP 74,802 76,103 66.53 67.41 0.05 97.31116 207 WESTERN RESERVE 71,056 69,670 61.96 62.13 0.04 97.35117 178 NATIONWIDE FUND GRP 70,343 71,882 55.71 60.24 0.04 97.40118 3478 HALLMARK FIN SERV GRP 69,515 67,268 57.91 60.88 0.04 97.44119 3991 IMT MUT HOLDING GRP 67,368 64,904 57.65 59.08 0.04 97.48120 1281 BANKAMERICA CORP GRP 66,844 90,402 64.80 68.00 0.04 97.52121 963 OHIO MUT GRP 66,776 65,602 60.62 61.58 0.04 97.56122 309 WESTERN NATL MUT 66,421 63,331 55.35 57.67 0.04 97.60123 842 FARM BUREAU GRP 66,300 65,805 59.09 60.41 0.04 97.64124 96 SECURA INS GRP 64,632 64,217 59.44 62.12 0.04 97.68125 33545 SEMINOLE CAS INS CO 64,278 62,932 70.72 75.67 0.04 97.72

**INDUSTRY TOTAL** 164,261,412 164,168,976 64.55 67.07 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 176 STATE FARM GRP 545,797 548,323 66.91 69.54 24.26 24.262 5 ALFA INS GRP 379,080 377,490 63.18 64.31 16.85 41.113 8 ALLSTATE INS GRP 237,469 238,736 53.60 54.86 10.56 51.674 31 BERKSHIRE HATHAWAY GRP 151,202 149,525 58.07 60.07 6.72 58.395 155 PROGRESSIVE GRP 149,159 149,777 58.28 59.67 6.63 65.026 140 NATIONWIDE CORP GRP 109,557 112,508 58.25 59.42 4.87 69.897 200 UNITED SERV AUTOMOBILE ASSN GRP 103,247 101,203 72.29 74.18 4.59 74.488 212 ZURICH INS GRP 100,063 99,033 57.67 60.66 4.45 78.939 111 LIBERTY MUT GRP 60,067 60,710 58.08 59.34 2.67 81.6010 3548 TRAVELERS GRP 50,461 51,069 54.40 56.83 2.24 83.85

**STATE TOTAL** 2,249,506 2,253,786 61.39 63.25 100.00 100.00. .

Alaska 1 176 STATE FARM GRP 106,310 104,835 70.75 73.21 26.10 26.102 31 BERKSHIRE HATHAWAY GRP 77,906 78,522 54.63 56.83 19.13 45.233 8 ALLSTATE INS GRP 67,560 67,616 42.93 45.31 16.59 61.824 200 UNITED SERV AUTOMOBILE ASSN GRP 51,798 50,332 62.22 64.37 12.72 74.535 155 PROGRESSIVE GRP 41,008 40,754 45.86 46.16 10.07 84.606 111 LIBERTY MUT GRP 15,447 15,916 33.36 33.15 3.79 88.407 91 HARTFORD FIRE & CAS GRP 15,312 15,386 51.60 53.28 3.76 92.158 50 COUNTRY INS & FIN SERV GRP 11,115 10,994 49.64 51.98 2.73 94.889 300 HORACE MANN GRP 8,407 8,357 64.82 66.57 2.06 96.9510 212 ZURICH INS GRP 4,627 3,079 86.00 90.94 1.14 98.08

**STATE TOTAL** 407,294 405,760 56.49 58.79 100.00 100.00. .

Arizona 1 176 STATE FARM GRP 568,572 569,149 60.08 62.91 16.47 16.472 212 ZURICH INS GRP 433,660 446,997 41.78 42.61 12.56 29.033 8 ALLSTATE INS GRP 340,553 353,183 47.57 48.51 9.86 38.894 155 PROGRESSIVE GRP 309,380 304,623 53.19 54.10 8.96 47.855 31 BERKSHIRE HATHAWAY GRP 285,655 284,669 55.69 57.34 8.27 56.136 473 AMERICAN FAMILY INS GRP 251,998 260,244 55.66 57.16 7.30 63.437 200 UNITED SERV AUTOMOBILE ASSN GRP 209,011 200,707 64.27 66.31 6.05 69.488 91 HARTFORD FIRE & CAS GRP 139,902 136,451 52.28 53.16 4.05 73.539 111 LIBERTY MUT GRP 119,156 123,134 58.36 58.94 3.45 76.9810 140 NATIONWIDE CORP GRP 74,701 79,769 53.13 53.49 2.16 79.15

**STATE TOTAL** 3,452,552 3,481,897 53.88 55.40 100.00 100.00. .

Arkansas 1 176 STATE FARM GRP 343,105 339,999 66.46 67.66 24.22 24.222 483 SOUTHERN FARM BUREAU CAS GRP 196,587 196,194 77.51 78.58 13.88 38.093 123 SHELTER INS GRP 115,771 114,653 70.06 71.42 8.17 46.264 8 ALLSTATE INS GRP 105,081 105,563 55.59 57.34 7.42 53.685 212 ZURICH INS GRP 98,804 99,640 66.28 69.38 6.97 60.666 155 PROGRESSIVE GRP 79,833 80,632 55.96 56.23 5.63 66.297 140 NATIONWIDE CORP GRP 67,765 68,235 58.48 59.01 4.78 71.078 31 BERKSHIRE HATHAWAY GRP 57,934 54,945 68.23 69.38 4.09 75.169 200 UNITED SERV AUTOMOBILE ASSN GRP 48,279 47,026 55.46 54.92 3.41 78.5710 111 LIBERTY MUT GRP 31,725 32,659 53.69 56.05 2.24 80.81

**STATE TOTAL** 1,416,768 1,410,210 65.00 66.33 100.00 100.00. .

California 1 212 ZURICH INS GRP 2,876,228 2,902,041 53.79 55.75 15.08 15.082 176 STATE FARM GRP 2,488,428 2,524,562 61.38 64.65 13.05 28.133 8 ALLSTATE INS GRP 1,664,229 1,638,014 62.71 65.67 8.72 36.854 1318 AUTO CLUB ENTERPRISES INS GRP 1,661,781 1,709,410 49.27 51.23 8.71 45.565 660 MERCURY GEN GRP 1,652,889 1,682,890 52.45 56.01 8.67 54.236 1278 CALIFORNIA STATE AUTO GRP 1,433,000 1,448,492 56.37 58.04 7.51 61.747 31 BERKSHIRE HATHAWAY GRP 954,718 931,712 60.15 61.73 5.01 66.758 155 PROGRESSIVE GRP 760,424 769,851 53.55 55.30 3.99 70.739 200 UNITED SERV AUTOMOBILE ASSN GRP 702,005 703,495 57.76 59.18 3.68 74.4110 111 LIBERTY MUT GRP 638,925 637,435 50.72 52.02 3.35 77.76

**STATE TOTAL** 19,074,319 19,235,480 57.19 59.52 100.00 100.00. .

Colorado 1 176 STATE FARM GRP 571,722 570,560 69.11 72.14 20.69 20.692 212 ZURICH INS GRP 400,634 406,000 62.85 62.51 14.50 35.203 473 AMERICAN FAMILY INS GRP 255,435 256,481 68.54 72.62 9.25 44.444 155 PROGRESSIVE GRP 237,658 233,857 65.36 65.92 8.60 53.045 8 ALLSTATE INS GRP 221,425 224,753 54.43 55.61 8.01 61.06




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%



**STATE TOTAL** 2,762,754 2,748,351 65.89 67.70 100.00 100.00. .

Connecticut 1 31 BERKSHIRE HATHAWAY GRP 297,480 292,464 71.92 75.31 12.79 12.792 8 ALLSTATE INS GRP 291,062 292,684 55.74 58.64 12.51 25.303 111 LIBERTY MUT GRP 245,716 244,137 57.29 59.38 10.56 35.864 155 PROGRESSIVE GRP 193,766 191,313 56.98 58.93 8.33 44.195 3548 TRAVELERS GRP 186,485 193,117 63.33 65.89 8.02 52.206 140 NATIONWIDE CORP GRP 127,403 127,560 75.08 76.19 5.48 57.687 91 HARTFORD FIRE & CAS GRP 115,642 117,608 55.29 56.78 4.97 62.658 176 STATE FARM GRP 113,790 110,156 90.47 93.34 4.89 67.549 241 METROPOLITAN GRP 110,970 109,500 61.26 62.51 4.77 72.3110 28 AMICA MUT GRP 81,683 78,868 40.88 42.40 3.51 75.82

**STATE TOTAL** 2,326,446 2,325,466 61.40 63.66 100.00 100.00. .

Delaware 1 176 STATE FARM GRP 137,778 137,767 70.24 74.96 22.04 22.042 140 NATIONWIDE CORP GRP 128,905 129,044 64.26 66.29 20.62 42.663 31 BERKSHIRE HATHAWAY GRP 73,947 72,814 74.22 77.10 11.83 54.504 111 LIBERTY MUT GRP 55,237 54,364 66.62 68.57 8.84 63.335 155 PROGRESSIVE GRP 43,009 43,017 60.71 62.94 6.88 70.216 8 ALLSTATE INS GRP 37,642 38,299 58.28 60.60 6.02 76.247 200 UNITED SERV AUTOMOBILE ASSN GRP 28,624 28,251 71.77 73.91 4.58 80.818 91 HARTFORD FIRE & CAS GRP 23,845 24,660 68.96 71.08 3.81 84.639 3548 TRAVELERS GRP 13,804 13,929 58.81 63.98 2.21 86.8410 212 ZURICH INS GRP 11,532 10,000 42.76 43.04 1.84 88.68

**STATE TOTAL** 625,063 624,532 66.88 69.71 100.00 100.00. .

District of Columbia 1 31 BERKSHIRE HATHAWAY GRP 89,311 88,843 62.05 61.10 34.94 34.942 176 STATE FARM GRP 51,191 51,264 78.68 81.76 20.03 54.963 155 PROGRESSIVE GRP 19,941 19,341 53.84 54.29 7.80 62.774 8 ALLSTATE INS GRP 19,857 19,763 47.13 48.44 7.77 70.535 200 UNITED SERV AUTOMOBILE ASSN GRP 18,938 18,765 57.50 59.29 7.41 77.946 140 NATIONWIDE CORP GRP 15,278 15,326 71.97 72.97 5.98 83.927 3548 TRAVELERS GRP 9,110 9,378 41.66 43.87 3.56 87.488 111 LIBERTY MUT GRP 7,244 6,972 60.14 59.63 2.83 90.329 91 HARTFORD FIRE & CAS GRP 4,802 4,872 39.71 40.36 1.88 92.2010 213 ERIE INS GRP 4,542 4,398 56.13 57.39 1.78 93.97

**STATE TOTAL** 255,624 254,945 61.77 62.36 100.00 100.00. .

Florida 1 176 STATE FARM GRP 2,519,748 2,552,106 82.32 87.48 21.11 21.112 31 BERKSHIRE HATHAWAY GRP 1,867,059 1,854,512 65.96 69.23 15.64 36.753 8 ALLSTATE INS GRP 1,738,835 1,733,656 64.55 67.70 14.57 51.324 155 PROGRESSIVE GRP 1,378,610 1,371,540 69.36 69.97 11.55 62.865 200 UNITED SERV AUTOMOBILE ASSN GRP 629,813 615,800 69.67 72.91 5.28 68.146 111 LIBERTY MUT GRP 392,511 399,009 58.34 60.71 3.29 71.437 140 NATIONWIDE CORP GRP 326,182 348,175 75.98 77.61 2.73 74.168 91 HARTFORD FIRE & CAS GRP 292,493 296,729 71.14 72.91 2.45 76.619 212 ZURICH INS GRP 289,378 308,546 70.88 73.96 2.42 79.0410 3548 TRAVELERS GRP 244,181 244,321 48.20 51.67 2.05 81.08

**STATE TOTAL** 11,937,268 12,017,001 70.21 73.61 100.00 100.00. .

Georgia 1 176 STATE FARM GRP 1,152,863 1,160,293 68.59 70.71 22.02 22.022 8 ALLSTATE INS GRP 683,490 681,812 61.84 63.76 13.05 35.073 155 PROGRESSIVE GRP 604,761 607,661 60.77 61.83 11.55 46.624 31 BERKSHIRE HATHAWAY GRP 465,460 454,444 63.89 65.51 8.89 55.515 200 UNITED SERV AUTOMOBILE ASSN GRP 303,773 298,567 69.70 71.53 5.80 61.316 561 GEORGIA FARM BUREAU GRP 253,802 261,634 60.75 62.12 4.85 66.167 111 LIBERTY MUT GRP 233,376 229,209 59.98 61.43 4.46 70.618 140 NATIONWIDE CORP GRP 180,425 184,551 60.39 61.60 3.45 74.069 3548 TRAVELERS GRP 170,751 176,109 59.47 61.72 3.26 77.3210 50 COUNTRY INS & FIN SERV GRP 96,887 97,532 60.78 61.56 1.85 79.17




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 5,236,239 5,248,738 63.35 65.08 100.00 100.00. .

Hawaii 1 31 BERKSHIRE HATHAWAY GRP 143,259 144,411 48.52 49.53 22.45 22.452 176 STATE FARM GRP 106,863 105,989 53.67 55.19 16.75 39.203 212 ZURICH INS GRP 78,631 80,651 48.52 47.77 12.32 51.534 200 UNITED SERV AUTOMOBILE ASSN GRP 70,600 69,570 49.83 51.43 11.07 62.605 8 ALLSTATE INS GRP 51,013 51,219 41.86 42.66 8.00 70.596 155 PROGRESSIVE GRP 48,011 48,406 41.98 42.08 7.53 78.127 111 LIBERTY MUT GRP 27,974 28,047 51.02 53.15 4.38 82.508 106 ISLAND INS CO GRP 26,214 27,018 29.36 29.68 4.11 86.619 4513 AIOI INS GRP 26,187 26,539 46.43 48.51 4.10 90.7210 91 HARTFORD FIRE & CAS GRP 22,416 23,846 42.17 42.15 3.51 94.23

**STATE TOTAL** 637,987 644,015 46.94 47.86 100.00 100.00. .

Idaho 1 176 STATE FARM GRP 96,165 95,860 54.07 56.20 14.25 14.252 212 ZURICH INS GRP 92,114 93,754 39.90 41.80 13.65 27.903 8 ALLSTATE INS GRP 68,469 69,099 48.05 50.40 10.15 38.054 842 FARM BUREAU GRP 66,300 65,805 59.09 60.41 9.82 47.875 111 LIBERTY MUT GRP 56,622 57,232 52.14 53.56 8.39 56.266 31 BERKSHIRE HATHAWAY GRP 53,709 53,192 59.81 61.55 7.96 64.227 155 PROGRESSIVE GRP 48,709 47,743 50.76 51.38 7.22 71.448 473 AMERICAN FAMILY INS GRP 26,813 26,632 69.37 74.14 3.97 75.419 200 UNITED SERV AUTOMOBILE ASSN GRP 25,780 25,587 58.21 59.57 3.82 79.2310 140 NATIONWIDE CORP GRP 18,592 19,308 54.03 54.85 2.76 81.99

**STATE TOTAL** 674,818 673,440 52.40 54.12 100.00 100.00. .

Illinois 1 176 STATE FARM GRP 1,770,931 1,755,541 75.26 77.55 30.61 30.612 8 ALLSTATE INS GRP 679,027 690,683 47.50 49.40 11.74 42.353 50 COUNTRY INS & FIN SERV GRP 446,394 441,957 61.92 63.22 7.72 50.064 212 ZURICH INS GRP 307,262 310,321 53.17 56.01 5.31 55.375 473 AMERICAN FAMILY INS GRP 293,467 292,008 61.47 64.61 5.07 60.456 155 PROGRESSIVE GRP 227,741 226,921 55.24 56.24 3.94 64.387 31 BERKSHIRE HATHAWAY GRP 221,456 217,040 60.85 62.61 3.83 68.218 111 LIBERTY MUT GRP 167,513 166,725 62.04 63.60 2.90 71.119 241 METROPOLITAN GRP 111,548 112,900 52.67 54.49 1.93 73.0310 200 UNITED SERV AUTOMOBILE ASSN GRP 101,605 99,390 61.75 64.03 1.76 74.79

**STATE TOTAL** 5,785,400 5,760,475 62.88 65.20 100.00 100.00. .

Indiana 1 176 STATE FARM GRP 671,748 660,767 77.01 78.70 24.52 24.522 542 INDIANA FARM BUREAU GRP 240,281 238,528 65.18 66.98 8.77 33.303 155 PROGRESSIVE GRP 224,641 226,267 60.04 60.35 8.20 41.504 8 ALLSTATE INS GRP 188,063 187,537 47.38 49.83 6.87 48.365 473 AMERICAN FAMILY INS GRP 154,910 157,615 60.00 64.23 5.66 54.026 111 LIBERTY MUT GRP 109,437 110,457 57.00 57.07 4.00 58.017 212 ZURICH INS GRP 104,655 107,337 57.73 61.01 3.82 61.848 31 BERKSHIRE HATHAWAY GRP 103,664 102,181 56.78 58.70 3.78 65.629 140 NATIONWIDE CORP GRP 75,071 77,501 60.44 61.78 2.74 68.3610 213 ERIE INS GRP 67,190 66,514 59.38 61.86 2.45 70.81

**STATE TOTAL** 2,739,099 2,722,577 63.75 65.72 100.00 100.00. .

Iowa 1 176 STATE FARM GRP 271,875 269,500 66.15 67.93 20.88 20.882 155 PROGRESSIVE GRP 171,980 169,323 59.59 60.16 13.21 34.093 140 NATIONWIDE CORP GRP 162,117 161,576 53.14 54.02 12.45 46.544 513 IOWA FARM BUREAU GRP 94,613 92,519 61.32 62.14 7.27 53.805 473 AMERICAN FAMILY INS GRP 94,538 93,738 53.85 55.66 7.26 61.066 518 GRINNELL MUT GRP 64,473 63,653 50.70 51.71 4.95 66.017 3991 IMT MUT HOLDING GRP 40,562 39,993 53.94 54.60 3.11 69.138 8 ALLSTATE INS GRP 35,835 36,399 47.06 48.30 2.75 71.889 212 ZURICH INS GRP 31,203 30,959 58.79 62.80 2.40 74.2810 31 BERKSHIRE HATHAWAY GRP 28,317 27,379 61.26 63.21 2.17 76.45

**STATE TOTAL** 1,302,166 1,284,969 59.89 61.23 100.00 100.00. .





StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 513 IOWA FARM BUREAU GRP 120,795 117,578 67.38 68.47 8.61 54.955 155 PROGRESSIVE GRP 120,613 117,938 62.51 63.23 8.59 63.546 8 ALLSTATE INS GRP 64,451 65,698 55.51 57.28 4.59 68.147 111 LIBERTY MUT GRP 56,230 57,185 53.38 55.07 4.01 72.148 140 NATIONWIDE CORP GRP 55,706 55,971 59.66 60.12 3.97 76.119 200 UNITED SERV AUTOMOBILE ASSN GRP 52,001 50,676 78.72 80.77 3.70 79.8210 31 BERKSHIRE HATHAWAY GRP 49,798 48,291 72.65 74.15 3.55 83.36

**STATE TOTAL** 1,403,644 1,392,936 64.10 65.19 100.00 100.00. .

Kentucky 1 176 STATE FARM GRP 451,690 449,057 77.81 79.90 21.14 21.142 109 KENTUCKY FARM BUREAU GRP 431,932 427,539 79.07 80.30 20.22 41.363 155 PROGRESSIVE GRP 180,907 181,754 66.40 66.92 8.47 49.834 8 ALLSTATE INS GRP 167,105 172,545 57.71 60.24 7.82 57.655 111 LIBERTY MUT GRP 157,088 160,095 63.27 65.50 7.35 65.016 140 NATIONWIDE CORP GRP 85,262 85,602 66.65 68.18 3.99 69.007 31 BERKSHIRE HATHAWAY GRP 75,382 74,284 60.24 62.57 3.53 72.538 175 STATE AUTO MUT GRP 73,705 73,213 64.68 68.14 3.45 75.989 267 GRANGE MUT CAS GRP 69,636 66,925 68.94 70.17 3.26 79.2410 200 UNITED SERV AUTOMOBILE ASSN GRP 62,639 60,953 83.34 86.15 2.93 82.17

**STATE TOTAL** 2,136,285 2,130,014 70.85 72.79 100.00 100.00. .

Louisiana 1 176 STATE FARM GRP 1,025,162 1,019,553 64.53 68.43 32.18 32.182 8 ALLSTATE INS GRP 433,057 438,296 49.42 52.53 13.60 45.783 155 PROGRESSIVE GRP 358,719 350,307 60.61 62.15 11.26 57.044 31 BERKSHIRE HATHAWAY GRP 202,747 201,162 62.80 65.83 6.36 63.405 483 SOUTHERN FARM BUREAU CAS GRP 177,636 179,403 61.59 65.83 5.58 68.986 3596 AFFIRMATIVE INS GRP 147,233 148,105 62.53 64.67 4.62 73.607 111 LIBERTY MUT GRP 136,990 133,970 54.57 57.48 4.30 77.908 200 UNITED SERV AUTOMOBILE ASSN GRP 118,615 116,266 61.37 64.11 3.72 81.639 257 SAFEWAY INS GRP 56,201 58,793 57.48 57.45 1.76 83.3910 212 ZURICH INS GRP 47,980 47,776 37.36 39.63 1.51 84.90

**STATE TOTAL** 3,185,398 3,188,353 60.51 63.74 100.00 100.00. .

Maine 1 176 STATE FARM GRP 75,380 74,661 61.99 63.10 12.55 12.552 155 PROGRESSIVE GRP 70,220 70,517 50.16 50.70 11.69 24.243 111 LIBERTY MUT GRP 55,346 54,775 46.78 47.66 9.22 33.464 8 ALLSTATE INS GRP 51,801 52,376 37.45 37.20 8.63 42.085 31 BERKSHIRE HATHAWAY GRP 38,232 37,807 57.18 58.61 6.37 48.456 45 CONCORD GRP 31,446 31,257 61.94 62.69 5.24 53.697 200 UNITED SERV AUTOMOBILE ASSN GRP 21,105 21,421 53.84 55.81 3.51 57.208 3548 TRAVELERS GRP 20,857 21,320 47.33 49.42 3.47 60.679 1129 WHITE MOUNTAINS GRP 20,492 22,609 44.27 46.14 3.41 64.0910 15997 MMG INS CO 19,365 19,947 43.62 43.72 3.22 67.31

**STATE TOTAL** 600,571 603,441 51.99 53.00 100.00 100.00. .

Maryland 1 31 BERKSHIRE HATHAWAY GRP 737,515 731,150 68.41 70.04 20.53 20.532 176 STATE FARM GRP 719,070 719,842 70.43 72.85 20.01 40.543 8 ALLSTATE INS GRP 473,144 481,612 58.00 59.43 13.17 53.714 140 NATIONWIDE CORP GRP 367,102 366,017 64.03 64.97 10.22 63.925 155 PROGRESSIVE GRP 237,115 233,858 65.85 66.73 6.60 70.526 213 ERIE INS GRP 234,119 230,424 66.38 68.19 6.52 77.047 200 UNITED SERV AUTOMOBILE ASSN GRP 221,292 215,984 71.84 73.91 6.16 83.208 111 LIBERTY MUT GRP 153,870 151,189 65.68 67.17 4.28 87.489 3548 TRAVELERS GRP 70,567 73,231 63.83 66.15 1.96 89.4410 91 HARTFORD FIRE & CAS GRP 47,615 46,086 68.88 69.69 1.33 90.77

**STATE TOTAL** 3,593,138 3,579,682 65.81 67.47 100.00 100.00. .

Massachusetts 1 816 COMMERCE INC GRP 1,025,236 1,074,338 63.60 66.12 28.83 28.832 188 SAFETY GRP 386,975 389,367 61.47 63.16 10.88 39.713 111 LIBERTY MUT GRP 342,688 320,637 65.91 65.71 9.64 49.344 586 ARBELLA INS GRP 318,507 324,589 60.31 62.23 8.96 58.305 415 PLYMOUTH ROCK INS GRP 224,961 228,237 69.07 69.35 6.33 64.636 3548 TRAVELERS GRP 205,401 217,835 61.57 64.80 5.78 70.407 241 METROPOLITAN GRP 201,618 220,042 59.39 60.52 5.67 76.078 88 THE HANOVER INS GRP 134,557 136,707 57.26 58.95 3.78 79.85




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%



**STATE TOTAL** 3,556,464 3,607,338 64.42 66.36 100.00 100.00. .

Michigan 1 176 STATE FARM GRP 1,064,279 1,053,092 174.19 178.90 18.88 18.882 55 AUTOMOBILE CLUB MI GRP 1,026,295 1,042,905 92.91 95.80 18.20 37.083 280 AUTO OWNERS GRP 560,919 552,321 151.58 154.75 9.95 47.034 155 PROGRESSIVE GRP 477,725 482,274 123.76 126.10 8.47 55.505 88 THE HANOVER INS GRP 431,485 422,787 78.44 79.04 7.65 63.156 8 ALLSTATE INS GRP 364,692 356,007 84.82 90.79 6.47 69.627 67 MICHIGAN FARM BUREAU GRP 233,681 230,658 93.51 98.36 4.14 73.778 212 ZURICH INS GRP 187,679 200,062 78.20 80.60 3.33 77.109 140 NATIONWIDE CORP GRP 179,021 182,502 176.56 180.60 3.18 80.2710 111 LIBERTY MUT GRP 131,543 130,159 64.96 68.50 2.33 82.60

**STATE TOTAL** 5,638,072 5,617,272 114.11 117.55 100.00 100.00. .

Minnesota 1 176 STATE FARM GRP 590,133 591,326 62.87 65.46 22.15 22.152 473 AMERICAN FAMILY INS GRP 362,824 360,339 56.83 60.63 13.62 35.773 155 PROGRESSIVE GRP 343,745 342,767 64.64 66.63 12.90 48.674 212 ZURICH INS GRP 252,983 255,865 57.21 58.65 9.49 58.165 8 ALLSTATE INS GRP 139,768 142,729 53.07 55.21 5.25 63.416 280 AUTO OWNERS GRP 74,192 72,339 62.95 64.63 2.78 66.197 55 AUTOMOBILE CLUB MI GRP 71,758 70,053 69.19 69.95 2.69 68.888 111 LIBERTY MUT GRP 69,758 68,613 55.38 57.48 2.62 71.509 241 METROPOLITAN GRP 61,827 63,222 50.49 52.08 2.32 73.8210 140 NATIONWIDE CORP GRP 58,702 59,402 65.42 67.54 2.20 76.03

**STATE TOTAL** 2,664,464 2,655,443 59.21 61.53 100.00 100.00. .

Mississippi 1 176 STATE FARM GRP 340,040 341,174 70.19 72.46 25.09 25.092 483 SOUTHERN FARM BUREAU CAS GRP 188,549 193,669 67.00 68.86 13.91 39.003 155 PROGRESSIVE GRP 143,211 144,892 58.91 59.55 10.57 49.564 8 ALLSTATE INS GRP 119,157 118,654 55.70 57.92 8.79 58.355 140 NATIONWIDE CORP GRP 77,102 76,845 55.66 57.17 5.69 64.046 31 BERKSHIRE HATHAWAY GRP 67,109 66,061 61.15 63.00 4.95 68.997 200 UNITED SERV AUTOMOBILE ASSN GRP 57,209 56,183 60.70 62.33 4.22 73.228 5 ALFA INS GRP 53,913 53,560 67.28 68.27 3.98 77.199 111 LIBERTY MUT GRP 37,770 38,345 47.21 48.80 2.79 79.9810 123 SHELTER INS GRP 35,081 34,834 60.42 62.69 2.59 82.57

**STATE TOTAL** 1,355,424 1,363,485 62.30 64.07 100.00 100.00. .

Missouri 1 176 STATE FARM GRP 647,060 642,213 65.34 67.01 22.90 22.902 473 AMERICAN FAMILY INS GRP 478,364 477,961 63.56 65.51 16.93 39.833 155 PROGRESSIVE GRP 200,284 195,042 60.14 61.27 7.09 46.914 212 ZURICH INS GRP 187,990 189,842 50.45 48.65 6.65 53.575 123 SHELTER INS GRP 158,236 156,735 66.94 68.71 5.60 59.176 111 LIBERTY MUT GRP 154,560 159,088 52.86 54.30 5.47 64.637 8 ALLSTATE INS GRP 120,124 123,309 48.10 49.19 4.25 68.898 31 BERKSHIRE HATHAWAY GRP 113,887 112,218 63.35 66.45 4.03 72.929 1318 AUTO CLUB ENTERPRISES INS GRP 101,140 99,835 61.88 62.87 3.58 76.4910 140 NATIONWIDE CORP GRP 87,930 85,303 62.42 63.53 3.11 79.61

**STATE TOTAL** 2,825,875 2,808,789 61.13 62.56 100.00 100.00. .

Montana 1 176 STATE FARM GRP 106,871 106,181 55.17 56.81 20.25 20.252 212 ZURICH INS GRP 72,390 73,911 40.98 40.94 13.72 33.973 111 LIBERTY MUT GRP 60,411 61,576 46.35 48.37 11.45 45.424 155 PROGRESSIVE GRP 41,170 40,484 56.93 57.64 7.80 53.225 91 HARTFORD FIRE & CAS GRP 34,588 35,088 66.79 68.99 6.55 59.786 8 ALLSTATE INS GRP 27,300 27,574 41.19 43.49 5.17 64.957 4683 MOUNTAIN WEST FARM GRP 25,173 24,145 59.02 60.37 4.77 69.728 200 UNITED SERV AUTOMOBILE ASSN GRP 24,348 24,132 60.51 62.41 4.61 74.339 215 UNITRIN GRP 21,594 21,249 79.57 79.17 4.09 78.4310 3548 TRAVELERS GRP 15,940 15,710 58.89 62.90 3.02 81.45

**STATE TOTAL** 527,683 527,702 54.49 55.91 100.00 100.00. .





StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 155 PROGRESSIVE GRP 94,806 94,042 65.09 65.69 10.99 35.643 473 AMERICAN FAMILY INS GRP 84,316 84,076 65.73 67.98 9.77 45.424 13889 FARMERS MUT INS CO OF NE 68,251 67,953 61.10 61.61 7.91 53.325 212 ZURICH INS GRP 56,728 56,558 50.97 52.61 6.57 59.906 513 IOWA FARM BUREAU GRP 53,826 51,325 67.18 67.89 6.24 66.147 140 NATIONWIDE CORP GRP 44,203 43,680 59.95 60.60 5.12 71.268 8 ALLSTATE INS GRP 36,291 36,285 53.02 54.36 4.21 75.469 31 BERKSHIRE HATHAWAY GRP 30,901 30,113 68.16 69.75 3.58 79.0510 200 UNITED SERV AUTOMOBILE ASSN GRP 24,086 23,489 69.03 70.57 2.79 81.84

**STATE TOTAL** 862,901 852,968 62.58 63.79 100.00 100.00. .

Nevada 1 176 STATE FARM GRP 236,789 234,768 67.48 71.04 14.26 14.262 212 ZURICH INS GRP 205,936 211,235 53.56 59.54 12.40 26.673 8 ALLSTATE INS GRP 181,827 183,919 60.46 63.03 10.95 37.624 155 PROGRESSIVE GRP 126,597 123,902 50.46 51.96 7.63 45.245 1278 CALIFORNIA STATE AUTO GRP 114,413 115,797 62.20 64.27 6.89 52.146 473 AMERICAN FAMILY INS GRP 106,106 114,174 65.49 73.78 6.39 58.537 31 BERKSHIRE HATHAWAY GRP 103,852 104,299 58.48 61.11 6.26 64.788 200 UNITED SERV AUTOMOBILE ASSN GRP 84,096 83,741 62.20 65.17 5.07 69.859 91 HARTFORD FIRE & CAS GRP 80,005 80,053 63.35 65.52 4.82 74.6710 111 LIBERTY MUT GRP 69,229 70,570 56.77 58.72 4.17 78.84

**STATE TOTAL** 1,660,214 1,679,516 60.57 64.20 100.00 100.00. .

New Hampshire 1 176 STATE FARM GRP 88,698 89,587 66.39 68.27 13.40 13.402 111 LIBERTY MUT GRP 83,569 83,835 47.75 48.62 12.62 26.023 155 PROGRESSIVE GRP 66,661 67,680 53.48 54.04 10.07 36.094 8 ALLSTATE INS GRP 63,149 64,123 42.49 43.03 9.54 45.635 31 BERKSHIRE HATHAWAY GRP 59,942 61,839 59.47 61.50 9.05 54.696 45 CONCORD GRP 28,139 28,431 58.21 58.66 4.25 58.947 241 METROPOLITAN GRP 27,758 28,679 55.20 56.84 4.19 63.138 200 UNITED SERV AUTOMOBILE ASSN GRP 27,161 26,905 58.36 60.44 4.10 67.239 28 AMICA MUT GRP 26,025 25,620 53.69 55.44 3.93 71.1610 91 HARTFORD FIRE & CAS GRP 22,837 23,762 68.10 69.21 3.45 74.61

**STATE TOTAL** 662,003 668,232 55.86 57.15 100.00 100.00. .

New Jersey 1 31 BERKSHIRE HATHAWAY GRP 870,532 857,946 95.32 102.13 14.83 14.832 8 ALLSTATE INS GRP 867,804 877,590 70.35 79.23 14.79 29.623 708 NEW JERSEY MANUFACTURERS GRP 751,237 747,110 66.17 73.42 12.80 42.424 1227 PALISADES GRP 620,338 609,547 66.13 68.29 10.57 52.995 176 STATE FARM GRP 565,271 551,145 82.66 97.29 9.63 62.626 111 LIBERTY MUT GRP 426,391 425,548 63.89 68.92 7.27 69.897 155 PROGRESSIVE GRP 328,846 314,971 72.29 78.48 5.60 75.498 3548 TRAVELERS GRP 266,774 280,063 84.60 88.52 4.55 80.049 212 ZURICH INS GRP 206,786 220,252 58.89 72.90 3.52 83.5610 200 UNITED SERV AUTOMOBILE ASSN GRP 175,573 173,667 66.77 69.77 2.99 86.56

**STATE TOTAL** 5,868,565 5,839,020 73.72 81.28 100.00 100.00. .

New Mexico 1 176 STATE FARM GRP 209,836 210,174 68.69 70.35 19.40 19.402 212 ZURICH INS GRP 163,744 166,711 46.66 49.28 15.14 34.553 8 ALLSTATE INS GRP 110,268 111,580 54.16 54.85 10.20 44.744 155 PROGRESSIVE GRP 105,044 103,670 55.70 56.95 9.71 54.465 31 BERKSHIRE HATHAWAY GRP 100,064 98,481 56.74 59.05 9.25 63.716 200 UNITED SERV AUTOMOBILE ASSN GRP 72,522 70,436 58.53 60.70 6.71 70.427 111 LIBERTY MUT GRP 50,488 50,797 42.70 45.25 4.67 75.098 91 HARTFORD FIRE & CAS GRP 50,308 49,749 58.72 59.93 4.65 79.749 169 SENTRY INS GRP 36,363 36,232 38.85 39.77 3.36 83.1010 513 IOWA FARM BUREAU GRP 21,192 20,336 51.86 52.87 1.96 85.06

**STATE TOTAL** 1,081,385 1,082,896 55.68 57.76 100.00 100.00. .

New York 1 31 BERKSHIRE HATHAWAY GRP 2,333,002 2,317,670 69.10 73.54 23.45 23.452 8 ALLSTATE INS GRP 1,870,292 1,869,910 68.86 73.07 18.80 42.253 176 STATE FARM GRP 1,161,804 1,133,135 75.86 83.04 11.68 53.934 155 PROGRESSIVE GRP 609,979 616,630 57.45 61.74 6.13 60.065 111 LIBERTY MUT GRP 591,983 574,626 63.44 67.71 5.95 66.016 3548 TRAVELERS GRP 517,625 526,374 48.13 55.92 5.20 71.22




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 140 NATIONWIDE CORP GRP 279,934 282,623 75.74 79.84 2.81 74.038 2518 CENTRAL SERV GRP 279,486 272,487 59.89 61.18 2.81 76.849 241 METROPOLITAN GRP 248,618 247,647 60.44 62.39 2.50 79.3410 91 HARTFORD FIRE & CAS GRP 219,584 218,402 61.30 66.03 2.21 81.55

**STATE TOTAL** 9,948,246 9,893,664 66.19 71.11 100.00 100.00. .


**STATE TOTAL** 4,466,399 4,442,112 61.54 62.82 100.00 100.00. .

North Dakota 1 176 STATE FARM GRP 47,962 47,921 60.58 61.50 15.04 15.042 473 AMERICAN FAMILY INS GRP 41,186 41,118 53.42 55.15 12.91 27.953 155 PROGRESSIVE GRP 40,089 39,623 52.51 53.86 12.57 40.524 3500 NODAK MUT GRP 30,555 29,893 65.65 68.53 9.58 50.105 796 QBE INS GRP 26,586 26,323 51.80 52.54 8.34 58.446 280 AUTO OWNERS GRP 13,050 12,778 52.86 53.32 4.09 62.537 212 ZURICH INS GRP 12,488 12,353 65.37 65.85 3.92 66.448 34606 CENTER MUT INS CO 11,362 11,443 62.46 62.62 3.56 70.019 200 UNITED SERV AUTOMOBILE ASSN GRP 10,100 9,854 62.57 63.78 3.17 73.1710 518 GRINNELL MUT GRP 9,405 9,289 55.93 57.26 2.95 76.12

**STATE TOTAL** 318,944 314,032 57.48 58.89 100.00 100.00. .

Ohio 1 176 STATE FARM GRP 942,441 936,492 65.04 67.37 18.89 18.892 155 PROGRESSIVE GRP 570,970 575,161 57.11 58.07 11.45 30.343 140 NATIONWIDE CORP GRP 557,540 563,238 57.67 59.20 11.18 41.524 8 ALLSTATE INS GRP 492,537 497,145 49.04 50.98 9.87 51.395 267 GRANGE MUT CAS GRP 307,226 303,388 57.16 56.93 6.16 57.556 111 LIBERTY MUT GRP 189,300 185,390 57.61 59.25 3.80 61.357 31 BERKSHIRE HATHAWAY GRP 177,584 173,746 59.85 61.51 3.56 64.918 228 WESTFIELD GRP 159,263 163,489 54.48 56.76 3.19 68.109 473 AMERICAN FAMILY INS GRP 131,626 131,249 64.04 68.23 2.64 70.7410 213 ERIE INS GRP 127,619 127,366 62.17 64.06 2.56 73.30

**STATE TOTAL** 4,987,942 4,982,113 58.46 60.21 100.00 100.00. .

Oklahoma 1 176 STATE FARM GRP 407,310 401,672 74.78 77.12 21.71 21.712 212 ZURICH INS GRP 314,276 316,413 61.30 62.39 16.75 38.463 8 ALLSTATE INS GRP 147,218 147,555 56.07 57.44 7.85 46.304 220 OKLAHOMA FARM BUREAU GRP 137,094 134,437 80.25 81.83 7.31 53.615 155 PROGRESSIVE GRP 123,600 124,847 60.61 62.52 6.59 60.206 200 UNITED SERV AUTOMOBILE ASSN GRP 89,691 86,017 80.07 82.00 4.78 64.977 31 BERKSHIRE HATHAWAY GRP 86,538 84,561 64.86 67.46 4.61 69.598 111 LIBERTY MUT GRP 76,554 76,390 55.87 57.63 4.08 73.679 123 SHELTER INS GRP 65,940 64,883 74.88 77.05 3.51 77.1810 1321 AMERICAN FARMERS & RANCHERS GRP 54,262 53,580 63.79 65.00 2.89 80.07

**STATE TOTAL** 1,876,397 1,852,265 67.28 69.18 100.00 100.00. .

Oregon 1 176 STATE FARM GRP 390,382 387,689 68.26 70.22 19.57 19.572 212 ZURICH INS GRP 332,834 340,131 56.22 59.68 16.68 36.253 155 PROGRESSIVE GRP 199,916 195,310 61.86 63.92 10.02 46.274 111 LIBERTY MUT GRP 182,343 185,050 59.15 61.75 9.14 55.415 8 ALLSTATE INS GRP 167,811 170,397 47.80 49.27 8.41 63.826 31 BERKSHIRE HATHAWAY GRP 106,542 105,583 64.75 67.24 5.34 69.167 473 AMERICAN FAMILY INS GRP 84,912 86,966 60.51 64.37 4.26 73.428 50 COUNTRY INS & FIN SERV GRP 71,902 71,606 61.62 64.36 3.60 77.029 200 UNITED SERV AUTOMOBILE ASSN GRP 67,090 65,800 68.80 71.07 3.36 80.3810 140 NATIONWIDE CORP GRP 53,155 54,722 56.13 57.12 2.66 83.05

**STATE TOTAL** 1,995,069 1,999,560 60.73 63.15 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Pennsylvania 1 176 STATE FARM GRP 1,360,652 1,354,462 66.95 70.90 19.48 19.48

2 8 ALLSTATE INS GRP 927,522 939,395 57.59 59.49 13.28 32.773 213 ERIE INS GRP 910,292 906,095 69.20 71.17 13.03 45.804 140 NATIONWIDE CORP GRP 771,413 772,480 58.80 60.12 11.05 56.855 155 PROGRESSIVE GRP 518,752 512,883 55.75 57.43 7.43 64.276 31 BERKSHIRE HATHAWAY GRP 383,696 377,622 68.86 71.54 5.49 69.777 111 LIBERTY MUT GRP 353,828 352,078 58.12 60.03 5.07 74.838 3548 TRAVELERS GRP 332,476 340,540 55.04 57.71 4.76 79.609 200 UNITED SERV AUTOMOBILE ASSN GRP 169,245 169,253 64.00 66.70 2.42 82.0210 91 HARTFORD FIRE & CAS GRP 123,838 125,305 69.12 71.22 1.77 83.79

**STATE TOTAL** 6,983,584 6,988,489 62.50 64.80 100.00 100.00. .

Rhode Island 1 155 PROGRESSIVE GRP 111,294 112,692 67.15 68.36 16.93 16.932 8 ALLSTATE INS GRP 91,926 92,116 55.27 57.21 13.98 30.913 28 AMICA MUT GRP 67,653 66,433 52.21 53.17 10.29 41.204 31 BERKSHIRE HATHAWAY GRP 56,814 56,158 75.10 77.25 8.64 49.845 241 METROPOLITAN GRP 53,996 54,615 52.56 52.63 8.21 58.066 140 NATIONWIDE CORP GRP 51,774 52,814 72.00 73.16 7.88 65.937 111 LIBERTY MUT GRP 44,234 44,677 50.06 51.24 6.73 72.668 3548 TRAVELERS GRP 26,435 27,919 61.98 65.36 4.02 76.689 200 UNITED SERV AUTOMOBILE ASSN GRP 25,350 25,356 73.50 76.88 3.86 80.5410 816 COMMERCE INC GRP 23,679 23,415 62.08 65.68 3.60 84.14

**STATE TOTAL** 657,420 660,079 62.71 64.27 100.00 100.00. .

South Carolina 1 176 STATE FARM GRP 612,217 616,552 66.00 67.20 24.79 24.792 8 ALLSTATE INS GRP 400,152 401,536 54.15 55.62 16.20 40.993 140 NATIONWIDE CORP GRP 254,798 257,148 61.75 62.57 10.32 51.314 31 BERKSHIRE HATHAWAY GRP 202,315 200,513 62.22 64.11 8.19 59.505 200 UNITED SERV AUTOMOBILE ASSN GRP 142,950 140,111 64.41 66.17 5.79 65.286 155 PROGRESSIVE GRP 137,526 135,255 58.27 59.27 5.57 70.857 3548 TRAVELERS GRP 112,677 117,898 50.53 52.68 4.56 75.418 533 SOUTH CAROLINA FARM BUREAU MUT GRP 98,525 100,214 66.30 67.49 3.99 79.409 111 LIBERTY MUT GRP 85,785 82,081 64.85 67.42 3.47 82.8810 212 ZURICH INS GRP 35,599 34,982 64.76 65.63 1.44 84.32

**STATE TOTAL** 2,469,860 2,479,921 61.65 63.04 100.00 100.00. .

South Dakota 1 176 STATE FARM GRP 65,321 65,605 56.19 58.00 17.75 17.752 155 PROGRESSIVE GRP 54,824 54,252 54.42 54.73 14.90 32.663 473 AMERICAN FAMILY INS GRP 47,245 47,065 57.54 58.74 12.84 45.504 212 ZURICH INS GRP 25,615 25,329 69.68 71.39 6.96 52.465 140 NATIONWIDE CORP GRP 14,499 14,230 50.39 51.12 3.94 56.406 205 DE SMET INS GRP 14,270 14,133 77.70 81.09 3.88 60.287 13889 FARMERS MUT INS CO OF NE 13,123 13,151 63.76 63.78 3.57 63.858 200 UNITED SERV AUTOMOBILE ASSN GRP 10,706 10,445 70.28 71.84 2.91 66.769 513 IOWA FARM BUREAU GRP 9,424 8,862 66.96 67.15 2.56 69.3210 31 BERKSHIRE HATHAWAY GRP 9,183 8,973 60.26 62.54 2.50 71.81

**STATE TOTAL** 367,912 363,288 59.07 60.23 100.00 100.00. .

Tennessee 1 176 STATE FARM GRP 649,943 652,394 63.43 65.65 23.65 23.652 694 TENNESSEE FARMERS GRP 518,127 514,869 69.22 71.43 18.86 42.513 8 ALLSTATE INS GRP 208,774 211,042 49.19 51.16 7.60 50.114 31 BERKSHIRE HATHAWAY GRP 163,617 161,279 60.70 62.95 5.95 56.065 140 NATIONWIDE CORP GRP 143,177 143,590 60.87 62.31 5.21 61.276 111 LIBERTY MUT GRP 120,332 119,774 58.35 60.90 4.38 65.657 155 PROGRESSIVE GRP 112,327 110,765 53.55 54.24 4.09 69.748 200 UNITED SERV AUTOMOBILE ASSN GRP 109,913 106,698 66.67 68.20 4.00 73.749 3548 TRAVELERS GRP 83,966 85,657 51.80 54.11 3.06 76.7910 212 ZURICH INS GRP 79,738 78,538 57.47 60.41 2.90 79.70

**STATE TOTAL** 2,747,830 2,753,906 61.45 63.55 100.00 100.00. .

Texas 1 176 STATE FARM GRP 2,658,836 2,627,862 69.33 70.67 20.15 20.152 212 ZURICH INS GRP 1,760,441 1,781,770 58.98 60.15 13.34 33.503 8 ALLSTATE INS GRP 1,549,117 1,569,394 54.20 55.36 11.74 45.244 155 PROGRESSIVE GRP 1,043,200 1,030,390 60.05 60.82 7.91 53.14




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 31 BERKSHIRE HATHAWAY GRP 890,216 885,309 63.82 65.32 6.75 59.896 200 UNITED SERV AUTOMOBILE ASSN GRP 840,175 806,937 74.40 75.80 6.37 66.267 29378 OLD AMER CNTY MUT FIRE INS CO 468,208 451,586 68.02 72.66 3.55 69.818 809 TEXAS FARM BUREAU MUT GRP 464,714 456,758 69.24 69.77 3.52 73.339 140 NATIONWIDE CORP GRP 461,029 454,905 62.16 63.16 3.49 76.8210 111 LIBERTY MUT GRP 367,690 370,038 59.56 61.33 2.79 79.61

**STATE TOTAL** 13,193,574 13,104,471 63.21 64.89 100.00 100.00. .

Utah 1 176 STATE FARM GRP 199,995 198,970 65.08 66.72 15.46 15.462 8 ALLSTATE INS GRP 192,422 197,272 52.35 53.33 14.88 30.343 212 ZURICH INS GRP 188,072 190,407 53.92 55.18 14.54 44.894 31 BERKSHIRE HATHAWAY GRP 76,763 74,987 62.44 63.74 5.94 50.825 473 AMERICAN FAMILY INS GRP 76,456 77,498 74.21 78.36 5.91 56.736 155 PROGRESSIVE GRP 76,209 75,184 52.07 53.18 5.89 62.637 13471 BEAR RIVER MUT INS CO 58,979 58,348 63.97 63.59 4.56 67.198 140 NATIONWIDE CORP GRP 52,974 53,983 58.06 58.52 4.10 71.289 200 UNITED SERV AUTOMOBILE ASSN GRP 45,177 43,343 75.26 77.57 3.49 74.7810 111 LIBERTY MUT GRP 38,428 38,108 58.39 59.37 2.97 77.75

**STATE TOTAL** 1,293,228 1,284,372 60.30 61.61 100.00 100.00. .

Vermont 1 155 PROGRESSIVE GRP 41,194 41,295 53.53 53.91 13.63 13.632 31 BERKSHIRE HATHAWAY GRP 29,907 29,318 66.54 68.26 9.89 23.523 176 STATE FARM GRP 26,290 26,104 76.58 77.39 8.70 32.224 111 LIBERTY MUT GRP 25,484 25,781 45.36 46.85 8.43 40.655 8 ALLSTATE INS GRP 24,165 24,796 41.12 42.10 7.99 48.656 45 CONCORD GRP 20,049 19,963 71.14 72.66 6.63 55.287 91 HARTFORD FIRE & CAS GRP 19,480 19,495 54.93 55.56 6.44 61.738 140 NATIONWIDE CORP GRP 17,033 17,252 53.79 54.03 5.64 67.369 234 VERMONT MUT GRP 11,310 10,450 62.52 65.12 3.74 71.1010 200 UNITED SERV AUTOMOBILE ASSN GRP 10,882 11,048 47.69 48.92 3.60 74.70

**STATE TOTAL** 302,254 302,881 55.35 56.44 100.00 100.00. .

Virginia 1 176 STATE FARM GRP 693,648 687,745 67.40 69.59 17.12 17.122 31 BERKSHIRE HATHAWAY GRP 619,997 616,227 65.33 67.04 15.30 32.423 140 NATIONWIDE CORP GRP 480,050 487,852 60.43 61.99 11.85 44.264 200 UNITED SERV AUTOMOBILE ASSN GRP 454,308 446,340 67.17 68.79 11.21 55.475 8 ALLSTATE INS GRP 422,160 424,798 59.25 60.61 10.42 65.896 155 PROGRESSIVE GRP 303,386 295,695 58.83 59.84 7.49 73.387 213 ERIE INS GRP 131,755 130,551 62.47 64.86 3.25 76.638 111 LIBERTY MUT GRP 115,316 113,524 56.61 57.99 2.85 79.479 3548 TRAVELERS GRP 112,000 116,797 52.16 54.63 2.76 82.2410 203 VIRGINIA FARM BUREAU GRP 104,204 104,402 55.58 55.94 2.57 84.81

**STATE TOTAL** 4,052,505 4,044,165 62.80 64.48 100.00 100.00. .

Washington 1 176 STATE FARM GRP 568,151 564,870 64.06 66.91 15.13 15.132 212 ZURICH INS GRP 471,874 483,440 53.49 56.66 12.57 27.703 8 ALLSTATE INS GRP 387,850 393,361 53.49 56.47 10.33 38.024 111 LIBERTY MUT GRP 372,572 377,206 48.26 50.31 9.92 47.945 31 BERKSHIRE HATHAWAY GRP 261,309 260,410 60.92 63.75 6.96 54.906 155 PROGRESSIVE GRP 252,239 247,549 58.25 59.58 6.72 61.627 200 UNITED SERV AUTOMOBILE ASSN GRP 239,008 236,536 64.47 66.69 6.36 67.988 157 PUBLIC EMPLOYEES GRP 219,945 218,174 62.13 63.59 5.86 73.849 91 HARTFORD FIRE & CAS GRP 133,490 129,784 63.47 66.02 3.55 77.4010 333 MUTUAL OF ENUMCLAW GRP 104,813 100,322 72.81 76.51 2.79 80.19

**STATE TOTAL** 3,755,265 3,753,849 59.79 62.35 100.00 100.00. .

West Virginia 1 176 STATE FARM GRP 288,784 287,826 63.87 67.87 26.96 26.962 140 NATIONWIDE CORP GRP 222,048 221,371 52.23 53.61 20.73 47.703 213 ERIE INS GRP 109,783 108,739 56.27 58.22 10.25 57.954 8 ALLSTATE INS GRP 85,689 87,815 53.07 55.38 8.00 65.955 91 HARTFORD FIRE & CAS GRP 53,398 53,936 53.49 54.69 4.99 70.936 111 LIBERTY MUT GRP 44,511 44,054 49.42 52.17 4.16 75.097 31 BERKSHIRE HATHAWAY GRP 44,383 43,309 63.22 68.56 4.14 79.248 155 PROGRESSIVE GRP 38,657 38,695 48.32 49.37 3.61 82.849 228 WESTFIELD GRP 34,262 33,689 57.38 59.38 3.20 86.04




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 175 STATE AUTO MUT GRP 27,402 26,674 58.52 61.84 2.56 88.60**STATE TOTAL** 1,070,985 1,067,604 57.20 59.80 100.00 100.00


2 176 STATE FARM GRP 317,258 315,208 58.99 61.12 14.02 37.603 155 PROGRESSIVE GRP 242,372 232,004 58.19 59.82 10.71 48.304 14184 ACUITY A MUT INS CO 88,334 87,327 58.00 58.94 3.90 52.215 8 ALLSTATE INS GRP 84,815 84,788 42.57 43.17 3.75 55.966 212 ZURICH INS GRP 79,111 79,885 55.24 62.32 3.50 59.457 1243 WEST BEND MUT GRP 64,261 61,338 62.82 64.43 2.84 62.298 796 QBE INS GRP 58,815 61,714 57.51 59.16 2.60 64.899 111 LIBERTY MUT GRP 53,463 52,850 50.56 51.78 2.36 67.2510 31 BERKSHIRE HATHAWAY GRP 52,523 50,352 55.92 58.30 2.32 69.57

**STATE TOTAL** 2,263,151 2,238,453 58.09 60.24 100.00 100.00. .

Wyoming 1 176 STATE FARM GRP 73,687 73,225 73.03 74.48 23.55 23.552 212 ZURICH INS GRP 44,287 43,695 55.44 55.23 14.15 37.703 155 PROGRESSIVE GRP 40,279 40,956 54.57 55.37 12.87 50.584 4683 MOUNTAIN WEST FARM GRP 28,790 28,373 51.59 53.39 9.20 59.785 111 LIBERTY MUT GRP 24,529 25,614 45.35 45.98 7.84 67.626 31 BERKSHIRE HATHAWAY GRP 19,402 19,049 65.72 67.47 6.20 73.827 8 ALLSTATE INS GRP 14,665 14,686 48.24 49.92 4.69 78.508 140 NATIONWIDE CORP GRP 13,695 13,832 55.68 56.32 4.38 82.889 200 UNITED SERV AUTOMOBILE ASSN GRP 12,881 12,633 61.55 63.08 4.12 87.0010 91 HARTFORD FIRE & CAS GRP 11,013 11,051 52.37 51.99 3.52 90.52

**STATE TOTAL** 312,898 313,384 58.14 59.09 100.00 100.00. .

Guam 1 13597 CHUNG KUO INS CO LTD 8,473 8,638 50.58 56.40 30.64 30.642 200 UNITED SERV AUTOMOBILE ASSN GRP 5,768 5,668 46.08 46.54 20.86 51.503 4672 DONGBU INS GRP 4,992 5,158 63.09 70.56 18.05 69.554 18380 PACIFIC IND INS CO 3,175 3,287 26.41 26.53 11.48 81.035 12633 CENTURY INS CO GU LTD 2,001 1,775 41.64 45.38 7.24 88.276 10972 FIRST NET INS CO 1,963 1,901 37.38 43.94 7.10 95.37

**STATE TOTAL** 27,652 27,869 46.58 50.58 100.00 100.00. .

Puerto Rico 1 71 UNIVERSAL INS CO GRP 152,321 160,718 60.61 60.74 45.17 45.172 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 101,791 106,028 59.31 59.70 30.18 75.353 411 MAPFRE INS GRP 51,543 53,598 56.31 57.67 15.28 90.634 40568 TRIPLE S PROPIEDAD INC 10,016 8,813 67.87 73.01 2.97 93.605 10140 OPTIMA INS CO 6,719 5,623 67.81 68.10 1.99 95.606 343 NATIONAL INS CO GRP 6,369 6,742 58.54 71.42 1.89 97.487 200 UNITED SERV AUTOMOBILE ASSN GRP 4,059 4,081 38.67 39.34 1.20 98.698 26778 INTEGRAND ASSUR CO 2,314 2,568 65.11 68.96 0.69 99.37

**STATE TOTAL** 337,241 350,723 59.42 60.31 100.00 100.00. .

U.S. Virgin Islands 1 17779 GUARDIAN INS CO INC 11,402 11,849 39.43 40.03 59.18 59.182 35858 COMPANION INC 3,723 0 N/A N/A 19.32 78.503 200 UNITED SERV AUTOMOBILE ASSN GRP 2,044 2,014 81.35 87.08 10.61 89.114 161 TOPA EQUITIES LTD GRP 1,895 1,917 4.26 12.13 9.84 98.955 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 182 164 -370.02 -360.21 0.94 99.89

**STATE TOTAL** 19,267 15,947 39.62 41.83 100.00 100.00. .


**STATE TOTAL** 1,331 1,378 73.63 86.40 100.00 100.00. .

Canada 1 176 STATE FARM GRP 1,344,947 1,315,295 98.50 104.07 96.80 96.802 79 GMAC INS HOLDING GRP 42,656 37,978 88.64 100.81 3.07 99.87

**STATE TOTAL** 1,389,359 1,355,537 98.24 104.01 100.00 100.00. .

Aggregate Other Alien 1 12 AMERICAN INTL GRP 807,032 784,446 58.36 59.29 87.94 87.942 200 UNITED SERV AUTOMOBILE ASSN GRP 52,818 53,707 57.24 58.79 5.76 93.693 306 CUNA MUT GRP 31,890 26,479 62.92 68.76 3.47 97.174 19119 NATIONAL UNITY INS CO 14,524 14,505 22.08 23.92 1.58 98.75




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 3678 AMERICAN INDEPENDENT INS GRP 6,780 6,557 26.19 26.19 0.74 99.49**STATE TOTAL** 917,712 890,184 55.75 56.61 100.00 100.00

. .




19.3, 19.4— Commercial Auto Liability



States, U.S. Territories, Canada, and Aggregate Other Alien19.3,19.4-Commercial Auto Liability



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 3548 TRAVELERS GRP 1,570,556 1,604,144 40.73 43.57 8.34 8.342 212 ZURICH INS GRP 1,329,185 1,353,140 41.19 47.17 7.06 15.393 111 LIBERTY MUT GRP 1,292,156 1,359,630 48.71 52.85 6.86 22.254 155 PROGRESSIVE GRP 1,172,907 1,236,923 55.52 59.22 6.23 28.485 12 AMERICAN INTL GRP 1,069,799 1,119,313 57.38 65.20 5.68 34.166 140 NATIONWIDE CORP GRP 745,756 774,387 61.40 66.79 3.96 38.127 150 OLD REPUBLIC GRP 484,637 498,859 57.79 66.07 2.57 40.698 91 HARTFORD FIRE & CAS GRP 440,245 464,119 49.44 50.60 2.34 43.029 218 CNA INS GRP 378,423 394,069 72.09 78.92 2.01 45.0310 280 AUTO OWNERS GRP 369,193 377,526 71.12 75.59 1.96 46.9911 98 WR BERKLEY CORP GRP 358,946 402,444 64.77 70.76 1.91 48.9012 176 STATE FARM GRP 351,834 357,337 62.35 69.31 1.87 50.7713 796 QBE INS GRP 346,504 349,970 47.42 54.39 1.84 52.6114 626 ACE LTD GRP 306,147 316,652 47.61 55.83 1.63 54.2315 244 CINCINNATI FIN GRP 291,648 295,601 51.95 56.21 1.55 55.7816 84 AMERICAN FINANCIAL GRP 290,091 299,627 47.53 53.28 1.54 57.3217 8 ALLSTATE INS GRP 282,248 301,158 43.92 47.50 1.50 58.8218 677 PHILADELPHIA CONSOLIDATED HOLDING GR 260,168 247,249 84.37 95.79 1.38 60.2019 242 SELECTIVE INS GRP 235,456 238,509 59.01 62.39 1.25 61.4520 213 ERIE INS GRP 219,944 221,331 40.36 44.96 1.17 62.6221 93 STATE NATL GRP 212,814 198,504 63.61 70.54 1.13 63.7522 169 SENTRY INS GRP 193,180 209,912 92.00 99.62 1.03 64.7723 253 HARLEYSVILLE GRP 188,971 194,209 47.93 52.40 1.00 65.7724 88 THE HANOVER INS GRP 177,385 175,219 50.72 54.09 0.94 66.7225 31 BERKSHIRE HATHAWAY GRP 167,225 170,981 35.10 42.03 0.89 67.6026 62 EMC INS CO GRP 164,586 166,479 51.85 55.77 0.87 68.4827 38 CHUBB & SON INC GRP 161,941 171,479 49.46 48.36 0.86 69.3428 228 WESTFIELD GRP 159,791 156,200 53.91 59.93 0.85 70.1829 225 IAT REINS CO GRP 153,324 162,833 55.43 68.88 0.81 71.0030 1279 ARCH INS GRP 138,155 139,749 47.52 50.37 0.73 71.7331 16616 AMERICAN TRANSIT INS CO 131,376 133,908 69.16 84.92 0.70 72.4332 7 FEDERATED MUT GRP 120,124 127,865 32.31 40.02 0.64 73.0733 456 LANCER FINANCIAL GRP 118,964 126,243 21.76 29.97 0.63 73.7034 262 CANAL GRP 116,840 137,183 93.38 101.86 0.62 74.3235 457 ARGONAUT GRP 114,241 118,939 65.98 79.15 0.61 74.9336 1120 EVEREST REINS HOLDINGS GRP 108,157 102,353 79.52 85.97 0.57 75.5037 1129 WHITE MOUNTAINS GRP 105,511 108,629 50.14 54.63 0.56 76.0638 158 FAIRFAX FIN GRP 105,178 127,420 84.62 90.08 0.56 76.6239 14184 ACUITY A MUT INS CO 104,859 107,355 49.69 55.04 0.56 77.1740 175 STATE AUTO MUT GRP 102,116 102,965 45.41 50.65 0.54 77.7241 361 MUNICH RE GRP 99,004 97,504 34.25 44.13 0.53 78.2442 3703 TOWER GRP 96,404 83,109 53.27 56.79 0.51 78.7543 748 MEADOWBROOK INS GRP 91,983 89,886 55.96 65.27 0.49 79.2444 201 UTICA GRP 89,692 92,950 39.24 46.25 0.48 79.7245 3489 DELEK GRP 87,722 95,436 59.73 69.06 0.47 80.1846 21172 VANLINER INS CO 83,192 74,103 57.45 68.07 0.44 80.6347 291 MOTORISTS MUT GRP 77,608 78,328 36.31 56.59 0.41 81.0448 311 MAIN STREET AMER GRP 77,106 79,561 50.41 52.67 0.41 81.4549 474 FCCI MUT INS GRP 77,075 76,993 52.53 59.76 0.41 81.8650 4381 LIGHTYEAR DELOS GRP 76,582 61,403 46.55 56.86 0.41 82.2651 2538 AMTRUST FINANCIAL SERV GRP 72,913 84,489 76.22 82.47 0.39 82.6552 248 UNITED FIRE & CAS GRP 71,925 73,266 63.84 69.50 0.38 83.0353 660 MERCURY GEN GRP 71,497 74,880 47.32 62.16 0.38 83.4154 124 AMERISURE CO GRP 70,806 72,648 37.73 41.43 0.38 83.7955 408 AMERICAN NATL FIN GRP 70,647 72,630 60.39 66.05 0.38 84.1656 816 COMMERCE INC GRP 65,145 66,375 17.66 18.55 0.35 84.5157 1326 KINGSWAY GRP 64,138 123,389 118.98 141.88 0.34 84.8558 761 ALLIANZ INS GRP 63,750 58,106 29.99 42.89 0.34 85.1959 271 PENNSYLVANIA NATL INS GRP 61,315 63,131 43.52 49.79 0.33 85.5160 79 GMAC INS HOLDING GRP 60,568 63,529 62.81 66.90 0.32 85.8361 1243 WEST BEND MUT GRP 56,427 57,397 29.94 31.43 0.30 86.1362 10642 CHEROKEE INS CO 56,276 54,785 80.71 96.73 0.30 86.4363 4695 HEREFORD HOLDING GRP 55,759 57,479 48.57 54.60 0.30 86.7364 267 GRANGE MUT CAS GRP 55,523 54,195 42.21 45.68 0.29 87.0265 1285 XL AMER GRP 50,260 58,437 28.44 31.57 0.27 87.29




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 188 SAFETY GRP 49,858 52,042 40.66 44.59 0.26 87.5567 3098 TOKIO MARINE HOLDINGS INC GRP 46,340 48,995 -6.15 14.36 0.25 87.8068 586 ARBELLA INS GRP 46,333 49,026 40.26 41.53 0.25 88.0569 226 MERCHANTS MUT GRP 45,782 46,077 41.00 49.02 0.24 88.2970 708 NEW JERSEY MANUFACTURERS GRP 44,455 46,470 102.57 105.55 0.24 88.5271 3495 INFINITY PROP & CAS INS GRP 42,864 37,836 61.94 67.65 0.23 88.7572 783 RLI INS GRP 41,318 44,657 25.96 34.58 0.22 88.9773 473 AMERICAN FAMILY INS GRP 40,038 41,929 72.60 80.24 0.21 89.1874 36 CENTRAL MUT INS CO GRP 38,151 39,323 45.48 50.11 0.20 89.3975 215 UNITRIN GRP 38,074 45,415 55.53 65.24 0.20 89.5976 88625 FIDUCIARY INS CO OF AMER 37,730 37,921 36.39 66.82 0.20 89.7977 18767 CHURCH MUT INS CO 36,463 36,922 51.55 53.40 0.19 89.9878 96 SECURA INS GRP 35,379 33,681 29.59 33.41 0.19 90.1779 40134 CASTLEPOINT NATL INS CO 33,236 31,284 92.71 108.32 0.18 90.3580 20613 SPARTA INS CO 32,936 23,914 59.80 65.21 0.17 90.5281 1309 FRANKENMUTH GRP 32,359 31,465 62.31 68.28 0.17 90.6982 324 NORTH CAROLINA FARM BUREAU GRP 29,815 30,238 60.01 61.53 0.16 90.8583 11092 GLOBAL LIBERTY INS CO OF NY 29,682 30,428 38.63 51.73 0.16 91.0184 250 DONEGAL GRP 29,127 29,169 45.27 49.79 0.15 91.1685 802 CAPITAL INS GRP 29,001 29,796 49.20 53.75 0.15 91.3286 14974 PENNSYLVANIA LUMBERMENS MUT INS 27,222 24,342 12.05 13.85 0.14 91.4687 26905 CENTURY NATL INS CO 27,110 29,883 43.10 52.58 0.14 91.6188 3478 HALLMARK FIN SERV GRP 26,564 17,450 60.06 68.23 0.14 91.7589 3179 HOME STATE INS GRP 25,374 28,131 43.84 52.81 0.13 91.8890 309 WESTERN NATL MUT 24,828 23,978 57.32 59.97 0.13 92.0191 153 PEKIN INS GRP 24,664 24,134 43.34 42.27 0.13 92.1492 767 PENNSYLVANIA MANUFACTURERS GRP 24,535 24,670 41.90 44.40 0.13 92.2793 781 UNION LABOR GRP 24,345 21,852 61.98 64.31 0.13 92.4094 807 COLUMBIA INS GRP 23,973 23,987 50.65 55.02 0.13 92.5395 785 MARKEL CORP GRP 23,766 29,344 65.61 77.11 0.13 92.6696 848 ARI INS CO GRP 23,491 24,392 94.48 99.40 0.12 92.7897 411 MAPFRE INS GRP 22,711 27,659 44.40 46.85 0.12 92.9098 867 BALDWIN & LYONS GRP 22,686 24,144 30.66 34.67 0.12 93.0299 415 PLYMOUTH ROCK INS GRP 22,585 25,093 65.85 71.52 0.12 93.14100 333 MUTUAL OF ENUMCLAW GRP 21,550 21,714 62.78 77.66 0.11 93.26101 1114 MERCER INS GRP 21,104 20,321 35.80 37.28 0.11 93.37102 21261 ELECTRIC INS CO 21,082 21,086 67.12 74.23 0.11 93.48103 513 IOWA FARM BUREAU GRP 21,022 20,969 43.81 44.45 0.11 93.59104 50 COUNTRY INS & FIN SERV GRP 20,578 21,338 66.93 68.79 0.11 93.70105 3589 MAXUM SPECIALTY INS GRP 20,419 17,477 61.49 62.71 0.11 93.81106 303 GUIDEONE INS GRP 20,122 21,102 19.95 28.27 0.11 93.92107 11118 FEDERATED RURAL ELECTRIC INS EXCH 19,876 19,716 54.13 61.14 0.11 94.02108 24619 AEQUICAP INS CO 18,936 22,623 32.32 57.50 0.10 94.12109 866 WESTERN WORLD GRP 18,367 19,268 75.49 78.17 0.10 94.22110 561 GEORGIA FARM BUREAU GRP 18,124 18,233 69.76 72.66 0.10 94.32111 14176 HASTINGS MUT INS CO 17,754 17,794 37.07 39.81 0.09 94.41112 10353 OOIDA RRG INC 17,654 19,533 22.89 34.21 0.09 94.51113 1331 GLENCOE US HOLDINGS GRP 17,642 24,580 51.41 67.76 0.09 94.60114 23663 NATIONAL AMER INS CO 17,476 19,689 57.76 60.64 0.09 94.69115 161 TOPA EQUITIES LTD GRP 16,852 18,599 62.47 68.52 0.09 94.78116 518 GRINNELL MUT GRP 16,693 17,040 54.27 53.97 0.09 94.87117 483 SOUTHERN FARM BUREAU CAS GRP 16,561 16,763 45.85 50.43 0.09 94.96118 71 UNIVERSAL INS CO GRP 16,318 16,760 36.64 32.42 0.09 95.04119 43265 GRAMERCY INS CO 16,189 15,203 39.21 42.50 0.09 95.13120 28339 GATEWAY INS CO 16,115 14,695 39.30 46.75 0.09 95.22121 38733 ALASKA NATL INS CO 15,477 15,872 26.67 29.52 0.08 95.30122 36030 MAYA ASSUR CO 14,748 12,868 53.10 57.76 0.08 95.38123 13528 BROTHERHOOD MUT INS CO 14,402 14,320 37.12 39.45 0.08 95.45124 2978 MITSUI SUMITOMO INS GRP 14,247 14,466 46.39 56.20 0.08 95.53125 12938 FEDERAL MOTOR CARRIERS RRG INC 14,171 14,778 64.14 65.37 0.08 95.60

**INDUSTRY TOTAL** 18,838,456 19,420,600 52.81 59.28 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 155 PROGRESSIVE GRP 26,485 29,100 32.63 35.62 9.44 9.442 280 AUTO OWNERS GRP 21,273 22,190 79.59 86.26 7.58 17.023 3548 TRAVELERS GRP 19,560 19,766 27.73 27.63 6.97 23.994 212 ZURICH INS GRP 18,284 18,723 18.98 22.16 6.52 30.515 12 AMERICAN INTL GRP 16,832 17,644 115.22 140.39 6.00 36.516 111 LIBERTY MUT GRP 11,152 12,703 31.22 35.51 3.97 40.487 218 CNA INS GRP 9,143 9,196 70.02 76.97 3.26 43.748 150 OLD REPUBLIC GRP 9,138 9,325 37.44 51.89 3.26 46.999 262 CANAL GRP 8,842 9,916 74.45 87.44 3.15 50.1510 140 NATIONWIDE CORP GRP 8,809 9,510 76.51 88.83 3.14 53.29

**STATE TOTAL** 280,601 292,980 53.32 61.39 100.00 100.00. .

Alaska 1 38733 ALASKA NATL INS CO 7,949 8,249 23.04 24.05 15.43 15.432 155 PROGRESSIVE GRP 5,714 5,768 25.97 26.77 11.09 26.523 31 BERKSHIRE HATHAWAY GRP 5,342 5,637 27.14 30.58 10.37 36.894 111 LIBERTY MUT GRP 5,154 5,161 85.46 96.30 10.00 46.895 212 ZURICH INS GRP 3,505 3,534 47.19 50.46 6.80 53.696 12 AMERICAN INTL GRP 2,951 2,917 39.51 43.64 5.73 59.427 626 ACE LTD GRP 2,603 2,755 85.79 95.26 5.05 64.478 140 NATIONWIDE CORP GRP 2,485 2,439 59.00 64.20 4.82 69.309 84 AMERICAN FINANCIAL GRP 2,239 2,110 27.15 33.44 4.35 73.6410 3548 TRAVELERS GRP 2,034 2,089 9.75 9.76 3.95 77.59

**STATE TOTAL** 51,523 52,334 42.59 48.25 100.00 100.00. .

Arizona 1 212 ZURICH INS GRP 34,221 35,267 26.66 28.42 11.50 11.502 3548 TRAVELERS GRP 23,793 24,315 50.75 52.14 8.00 19.503 140 NATIONWIDE CORP GRP 23,246 26,504 52.13 55.20 7.81 27.314 111 LIBERTY MUT GRP 18,707 20,072 27.55 31.68 6.29 33.605 155 PROGRESSIVE GRP 15,195 16,830 52.06 52.98 5.11 38.716 280 AUTO OWNERS GRP 12,636 14,139 48.72 53.13 4.25 42.967 150 OLD REPUBLIC GRP 10,452 10,477 38.49 42.69 3.51 46.478 62 EMC INS CO GRP 9,930 10,757 36.18 35.62 3.34 49.819 12 AMERICAN INTL GRP 8,332 10,364 114.29 133.80 2.80 52.6110 244 CINCINNATI FIN GRP 7,801 8,068 38.50 44.00 2.62 55.23

**STATE TOTAL** 297,498 315,506 44.09 48.82 100.00 100.00. .

Arkansas 1 3548 TRAVELERS GRP 14,460 14,281 46.84 50.65 7.69 7.692 155 PROGRESSIVE GRP 12,997 13,323 46.11 48.59 6.92 14.613 212 ZURICH INS GRP 12,502 12,735 30.83 37.25 6.65 21.264 10642 CHEROKEE INS CO 12,041 7,237 77.09 88.58 6.41 27.675 12 AMERICAN INTL GRP 10,304 11,029 16.85 17.64 5.48 33.156 150 OLD REPUBLIC GRP 8,899 9,711 34.45 38.78 4.74 37.897 98 WR BERKLEY CORP GRP 7,699 8,227 58.13 66.95 4.10 41.988 111 LIBERTY MUT GRP 7,062 7,419 35.77 45.34 3.76 45.749 93 STATE NATL GRP 6,270 7,032 120.49 131.25 3.34 49.0810 31 BERKSHIRE HATHAWAY GRP 5,865 6,353 26.54 26.20 3.12 52.20

**STATE TOTAL** 187,942 188,892 53.38 59.48 100.00 100.00. .

California 1 212 ZURICH INS GRP 217,756 222,529 33.03 38.33 11.24 11.242 111 LIBERTY MUT GRP 174,006 188,596 50.55 54.81 8.98 20.223 3548 TRAVELERS GRP 151,717 153,665 18.88 21.98 7.83 28.054 140 NATIONWIDE CORP GRP 138,354 140,279 55.34 60.38 7.14 35.195 155 PROGRESSIVE GRP 134,894 141,389 46.57 52.05 6.96 42.156 12 AMERICAN INTL GRP 103,499 112,001 62.74 72.96 5.34 47.497 796 QBE INS GRP 70,455 70,059 43.58 45.91 3.64 51.138 91 HARTFORD FIRE & CAS GRP 53,009 56,504 27.06 27.61 2.74 53.869 660 MERCURY GEN GRP 51,670 53,674 46.87 58.75 2.67 56.5310 176 STATE FARM GRP 47,739 48,425 64.57 73.79 2.46 58.99

**STATE TOTAL** 1,937,673 2,000,942 47.10 53.96 100.00 100.00. .

Colorado 1 3548 TRAVELERS GRP 37,425 37,593 32.72 31.93 13.87 13.872 212 ZURICH INS GRP 26,281 26,707 33.93 37.12 9.74 23.613 12 AMERICAN INTL GRP 15,951 16,684 16.59 19.94 5.91 29.534 155 PROGRESSIVE GRP 14,853 15,492 55.51 58.93 5.51 35.035 150 OLD REPUBLIC GRP 14,060 14,731 63.72 69.76 5.21 40.24




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 140 NATIONWIDE CORP GRP 11,907 12,533 50.35 54.61 4.41 44.667 98 WR BERKLEY CORP GRP 10,791 12,088 29.08 30.75 4.00 48.668 111 LIBERTY MUT GRP 10,672 14,475 32.83 33.54 3.96 52.619 91 HARTFORD FIRE & CAS GRP 10,623 11,306 44.32 44.96 3.94 56.5510 280 AUTO OWNERS GRP 8,665 8,627 83.30 94.84 3.21 59.76

**STATE TOTAL** 269,785 283,501 45.19 49.60 100.00 100.00. .

Connecticut 1 111 LIBERTY MUT GRP 37,792 38,017 51.87 53.53 14.09 14.092 3548 TRAVELERS GRP 31,272 31,753 52.74 52.03 11.66 25.743 91 HARTFORD FIRE & CAS GRP 18,950 22,188 38.32 32.69 7.06 32.814 155 PROGRESSIVE GRP 15,452 15,939 29.11 30.55 5.76 38.575 212 ZURICH INS GRP 13,812 14,966 48.26 57.65 5.15 43.716 12 AMERICAN INTL GRP 13,483 16,213 43.80 51.59 5.03 48.747 98 WR BERKLEY CORP GRP 9,601 10,113 39.67 48.17 3.58 52.328 311 MAIN STREET AMER GRP 9,125 9,437 46.67 49.31 3.40 55.729 140 NATIONWIDE CORP GRP 8,740 9,719 54.21 59.05 3.26 58.9810 253 HARLEYSVILLE GRP 8,480 9,063 55.49 61.79 3.16 62.14

**STATE TOTAL** 268,285 278,451 48.59 51.92 100.00 100.00. .

Delaware 1 84 AMERICAN FINANCIAL GRP 7,602 6,327 23.43 27.46 10.37 10.372 111 LIBERTY MUT GRP 5,518 5,702 57.43 59.60 7.53 17.903 3548 TRAVELERS GRP 4,848 5,161 76.88 75.49 6.61 24.524 212 ZURICH INS GRP 4,803 5,084 60.97 75.13 6.55 31.075 12 AMERICAN INTL GRP 4,540 4,756 65.99 83.41 6.19 37.266 155 PROGRESSIVE GRP 3,716 3,892 86.25 92.14 5.07 42.337 253 HARLEYSVILLE GRP 3,631 3,697 76.42 82.46 4.95 47.298 250 DONEGAL GRP 3,560 3,424 45.84 47.03 4.86 52.159 140 NATIONWIDE CORP GRP 3,027 3,284 60.36 61.04 4.13 56.2810 228 WESTFIELD GRP 2,821 2,929 90.25 95.01 3.85 60.13

**STATE TOTAL** 73,287 74,231 69.02 76.70 100.00 100.00. .

District of Columbia 1 3548 TRAVELERS GRP 5,858 5,774 34.47 38.18 17.37 17.372 12 AMERICAN INTL GRP 3,786 4,700 81.28 94.34 11.22 28.593 13293 AMALGAMATED CAS INS CO 3,041 3,038 40.65 45.51 9.02 37.614 2778 VFH CAPTIVE GRP 2,594 2,577 54.96 57.65 7.69 45.305 91 HARTFORD FIRE & CAS GRP 1,988 2,049 114.86 127.09 5.89 51.206 677 PHILADELPHIA CONSOLIDATED HOLDING GR 1,698 1,552 74.44 83.82 5.03 56.237 111 LIBERTY MUT GRP 1,437 1,554 23.43 23.65 4.26 60.498 3385 ANACOSTIA HOLDING GRP 1,351 1,351 18.11 49.08 4.01 64.509 10692 COLUMBIA FEDERAL INS CO 1,021 1,021 42.67 70.68 3.03 67.5210 150 OLD REPUBLIC GRP 939 950 75.86 84.22 2.78 70.31

**STATE TOTAL** 33,727 34,408 51.28 58.98 100.00 100.00. .

Florida 1 155 PROGRESSIVE GRP 163,842 176,336 70.96 74.09 13.08 13.082 3548 TRAVELERS GRP 98,836 101,949 48.06 53.25 7.89 20.963 212 ZURICH INS GRP 80,634 87,179 49.04 56.68 6.44 27.404 280 AUTO OWNERS GRP 78,970 83,809 65.70 68.37 6.30 33.705 111 LIBERTY MUT GRP 68,393 70,359 45.96 49.97 5.46 39.166 12 AMERICAN INTL GRP 61,630 65,481 67.20 78.15 4.92 44.087 140 NATIONWIDE CORP GRP 50,073 51,003 65.08 72.47 4.00 48.088 8 ALLSTATE INS GRP 48,106 52,691 59.19 68.71 3.84 51.919 474 FCCI MUT INS GRP 41,885 41,458 47.75 52.55 3.34 55.2610 176 STATE FARM GRP 30,308 30,827 79.18 88.00 2.42 57.68

**STATE TOTAL** 1,252,996 1,307,443 59.02 66.57 100.00 100.00. .

Georgia 1 155 PROGRESSIVE GRP 52,873 57,015 67.51 70.68 9.60 9.602 3548 TRAVELERS GRP 48,059 49,831 38.67 39.88 8.73 18.343 212 ZURICH INS GRP 31,567 33,703 42.89 47.28 5.73 24.074 280 AUTO OWNERS GRP 30,799 30,507 73.87 80.44 5.59 29.665 111 LIBERTY MUT GRP 25,995 30,625 42.65 45.05 4.72 34.396 12 AMERICAN INTL GRP 23,589 24,154 53.17 58.47 4.29 38.677 140 NATIONWIDE CORP GRP 19,695 20,920 90.28 97.29 3.58 42.258 561 GEORGIA FARM BUREAU GRP 18,124 18,233 69.76 72.66 3.29 45.549 176 STATE FARM GRP 15,474 15,836 72.24 81.55 2.81 48.3510 244 CINCINNATI FIN GRP 13,784 13,691 56.01 59.42 2.50 50.86




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 550,484 573,327 61.58 67.13 100.00 100.00. .

Hawaii 1 218 CNA INS GRP 16,100 16,704 42.24 42.52 18.82 18.822 106 ISLAND INS CO GRP 12,367 12,870 17.58 18.40 14.46 33.283 84 AMERICAN FINANCIAL GRP 11,034 12,269 19.67 20.90 12.90 46.184 212 ZURICH INS GRP 9,200 9,622 4.27 6.39 10.75 56.935 158 FAIRFAX FIN GRP 7,502 7,712 27.33 33.38 8.77 65.706 761 ALLIANZ INS GRP 3,523 3,685 95.88 105.16 4.12 69.827 12 AMERICAN INTL GRP 2,947 2,541 8.16 14.52 3.45 73.278 4672 DONGBU INS GRP 2,934 2,454 32.02 35.23 3.43 76.709 3548 TRAVELERS GRP 2,717 2,517 6.41 11.03 3.18 79.8710 88 THE HANOVER INS GRP 2,128 1,518 26.37 33.14 2.49 82.36

**STATE TOTAL** 85,541 87,796 25.68 28.47 100.00 100.00. .

Idaho 1 3548 TRAVELERS GRP 10,231 10,016 46.67 49.47 11.37 11.372 111 LIBERTY MUT GRP 10,063 10,554 42.32 43.24 11.19 22.563 212 ZURICH INS GRP 6,621 6,442 7.05 8.58 7.36 29.924 150 OLD REPUBLIC GRP 5,535 4,946 67.40 121.92 6.15 36.085 155 PROGRESSIVE GRP 5,220 5,283 68.07 72.04 5.80 41.886 842 FARM BUREAU GRP 4,898 5,187 27.73 28.83 5.45 47.327 140 NATIONWIDE CORP GRP 3,933 4,052 72.00 74.23 4.37 51.708 244 CINCINNATI FIN GRP 3,712 3,621 22.88 26.38 4.13 55.829 12 AMERICAN INTL GRP 2,606 2,185 60.66 70.23 2.90 58.7210 333 MUTUAL OF ENUMCLAW GRP 2,533 2,577 -35.38 -38.81 2.82 61.54

**STATE TOTAL** 89,951 91,412 35.17 40.45 100.00 100.00. .

Illinois 1 12 AMERICAN INTL GRP 58,007 61,867 60.44 68.06 8.13 8.132 3548 TRAVELERS GRP 54,064 56,567 40.31 43.80 7.58 15.713 212 ZURICH INS GRP 51,486 51,899 39.61 46.44 7.22 22.934 111 LIBERTY MUT GRP 34,685 36,451 32.32 35.51 4.86 27.795 150 OLD REPUBLIC GRP 30,708 31,586 58.79 66.64 4.30 32.096 225 IAT REINS CO GRP 25,811 27,582 31.11 36.65 3.62 35.717 244 CINCINNATI FIN GRP 21,688 22,575 53.93 61.24 3.04 38.758 91 HARTFORD FIRE & CAS GRP 19,145 19,340 86.98 92.89 2.68 41.439 155 PROGRESSIVE GRP 19,126 20,583 55.34 60.44 2.68 44.1110 280 AUTO OWNERS GRP 19,094 19,133 39.11 44.09 2.68 46.79

**STATE TOTAL** 713,421 748,706 53.66 59.92 100.00 100.00. .

Indiana 1 111 LIBERTY MUT GRP 33,211 34,899 54.53 54.25 9.47 9.472 3548 TRAVELERS GRP 28,351 29,760 27.39 30.41 8.08 17.553 280 AUTO OWNERS GRP 21,054 21,292 74.30 81.03 6.00 23.554 212 ZURICH INS GRP 20,181 19,853 29.71 34.41 5.75 29.305 12 AMERICAN INTL GRP 19,095 16,446 191.58 196.21 5.44 34.746 244 CINCINNATI FIN GRP 16,861 17,512 35.99 37.15 4.81 39.557 155 PROGRESSIVE GRP 13,521 13,950 41.70 44.96 3.85 43.408 140 NATIONWIDE CORP GRP 12,801 12,173 66.69 70.56 3.65 47.059 150 OLD REPUBLIC GRP 10,949 10,561 71.85 80.07 3.12 50.1710 14184 ACUITY A MUT INS CO 8,110 8,563 49.10 60.89 2.31 52.48

**STATE TOTAL** 350,855 360,107 50.76 54.97 100.00 100.00. .

Iowa 1 150 OLD REPUBLIC GRP 17,609 17,512 72.79 78.36 10.79 10.792 140 NATIONWIDE CORP GRP 17,217 18,134 71.37 76.13 10.55 21.333 62 EMC INS CO GRP 13,884 14,177 47.19 50.28 8.50 29.844 98 WR BERKLEY CORP GRP 10,247 11,152 120.88 134.86 6.28 36.115 248 UNITED FIRE & CAS GRP 7,781 7,798 38.38 40.60 4.77 40.886 155 PROGRESSIVE GRP 7,696 7,583 45.28 47.42 4.71 45.607 212 ZURICH INS GRP 7,477 7,352 25.65 27.76 4.58 50.178 12 AMERICAN INTL GRP 6,534 7,053 104.53 108.17 4.00 54.189 244 CINCINNATI FIN GRP 6,407 6,469 33.19 35.28 3.92 58.1010 14184 ACUITY A MUT INS CO 4,905 4,808 33.70 23.04 3.00 61.11

**STATE TOTAL** 163,251 168,949 63.98 68.44 100.00 100.00. .

Kansas 1 3548 TRAVELERS GRP 14,171 13,742 30.61 33.94 9.34 9.342 140 NATIONWIDE CORP GRP 13,312 13,369 64.59 67.27 8.77 18.113 62 EMC INS CO GRP 10,743 10,660 32.61 34.69 7.08 25.19




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 150 OLD REPUBLIC GRP 10,517 11,263 43.98 51.18 6.93 32.125 212 ZURICH INS GRP 9,695 10,100 16.43 20.05 6.39 38.506 98 WR BERKLEY CORP GRP 9,221 9,634 19.18 18.09 6.08 44.587 111 LIBERTY MUT GRP 6,482 6,697 19.65 18.65 4.27 48.858 155 PROGRESSIVE GRP 6,036 6,064 33.43 34.41 3.98 52.839 12 AMERICAN INTL GRP 5,751 5,572 39.44 44.63 3.79 56.6210 31 BERKSHIRE HATHAWAY GRP 4,076 3,769 45.63 50.01 2.69 59.30

**STATE TOTAL** 151,767 152,214 47.96 50.90 100.00 100.00. .

Kentucky 1 111 LIBERTY MUT GRP 25,782 26,762 42.82 45.47 10.93 10.932 3548 TRAVELERS GRP 23,918 23,628 24.48 28.03 10.14 21.063 155 PROGRESSIVE GRP 18,534 20,265 54.71 56.94 7.85 28.924 12 AMERICAN INTL GRP 12,655 12,038 9.66 14.08 5.36 34.285 212 ZURICH INS GRP 11,873 11,887 32.56 39.28 5.03 39.316 244 CINCINNATI FIN GRP 9,886 10,282 63.01 67.68 4.19 43.507 267 GRANGE MUT CAS GRP 8,651 8,620 35.61 39.58 3.67 47.178 291 MOTORISTS MUT GRP 6,957 6,729 63.08 86.60 2.95 50.129 109 KENTUCKY FARM BUREAU GRP 6,515 6,543 44.60 47.80 2.76 52.8810 140 NATIONWIDE CORP GRP 6,374 6,334 114.78 127.17 2.70 55.58

**STATE TOTAL** 235,968 241,546 52.84 59.02 100.00 100.00. .

Louisiana 1 3548 TRAVELERS GRP 49,490 51,465 73.94 80.49 11.29 11.292 111 LIBERTY MUT GRP 41,310 42,301 78.33 86.95 9.42 20.713 212 ZURICH INS GRP 38,828 39,652 64.75 77.74 8.85 29.564 796 QBE INS GRP 37,485 31,060 40.75 51.15 8.55 38.115 155 PROGRESSIVE GRP 35,030 36,256 69.38 74.55 7.99 46.106 12 AMERICAN INTL GRP 34,451 37,130 96.28 114.72 7.86 53.967 176 STATE FARM GRP 15,365 15,517 50.84 64.44 3.50 57.468 218 CNA INS GRP 13,506 8,244 111.01 119.24 3.08 60.549 262 CANAL GRP 12,662 13,554 116.77 128.42 2.89 63.4310 626 ACE LTD GRP 9,971 9,175 159.17 168.36 2.27 65.70

**STATE TOTAL** 438,492 440,870 82.11 94.00 100.00 100.00. .

Maine 1 98 WR BERKLEY CORP GRP 10,670 10,854 41.03 44.07 12.73 12.732 111 LIBERTY MUT GRP 9,986 9,683 41.51 43.25 11.91 24.643 1129 WHITE MOUNTAINS GRP 9,483 10,254 39.55 41.09 11.31 35.964 88 THE HANOVER INS GRP 7,202 7,026 35.67 37.80 8.59 44.555 3548 TRAVELERS GRP 6,596 6,581 31.08 36.05 7.87 52.426 155 PROGRESSIVE GRP 6,293 5,965 39.75 41.25 7.51 59.937 212 ZURICH INS GRP 3,078 3,025 26.80 32.81 3.67 63.608 15997 MMG INS CO 2,823 2,860 10.25 10.40 3.37 66.979 140 NATIONWIDE CORP GRP 2,012 2,202 11.12 14.68 2.40 69.3710 3703 TOWER GRP 1,935 2,275 74.38 72.22 2.31 71.68

**STATE TOTAL** 83,819 84,733 40.62 44.41 100.00 100.00. .

Maryland 1 213 ERIE INS GRP 30,777 31,267 31.14 34.21 8.80 8.802 3548 TRAVELERS GRP 28,133 28,758 65.30 67.28 8.04 16.833 111 LIBERTY MUT GRP 26,265 27,008 55.15 57.16 7.51 24.344 155 PROGRESSIVE GRP 23,266 25,735 49.43 51.06 6.65 30.995 212 ZURICH INS GRP 21,997 23,472 51.34 59.27 6.29 37.276 91 HARTFORD FIRE & CAS GRP 18,893 20,329 40.86 41.56 5.40 42.677 242 SELECTIVE INS GRP 18,382 18,912 64.90 68.37 5.25 47.938 140 NATIONWIDE CORP GRP 17,542 17,884 47.17 48.83 5.01 52.949 12 AMERICAN INTL GRP 16,124 15,856 73.25 78.43 4.61 57.5510 218 CNA INS GRP 9,603 10,615 52.78 58.23 2.74 60.29

**STATE TOTAL** 349,933 363,158 55.13 59.43 100.00 100.00. .

Massachusetts 1 3548 TRAVELERS GRP 66,934 68,445 56.17 58.40 13.25 13.252 816 COMMERCE INC GRP 58,844 60,423 19.76 20.75 11.65 24.903 188 SAFETY GRP 49,858 52,042 40.66 44.59 9.87 34.774 586 ARBELLA INS GRP 43,555 46,455 40.85 42.00 8.62 43.405 88 THE HANOVER INS GRP 29,503 31,588 55.23 57.92 5.84 49.246 111 LIBERTY MUT GRP 27,646 28,349 49.67 51.89 5.47 54.717 415 PLYMOUTH ROCK INS GRP 22,318 24,950 65.92 71.63 4.42 59.138 12 AMERICAN INTL GRP 18,700 21,232 21.30 23.84 3.70 62.83




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 155 PROGRESSIVE GRP 16,587 14,569 62.50 67.31 3.28 66.1210 98 WR BERKLEY CORP GRP 15,712 15,922 31.48 33.65 3.11 69.23

**STATE TOTAL** 505,092 518,868 44.75 47.67 100.00 100.00. .

Michigan 1 280 AUTO OWNERS GRP 41,252 41,279 146.06 149.76 10.22 10.222 212 ZURICH INS GRP 28,206 26,896 47.78 54.92 6.99 17.213 12 AMERICAN INTL GRP 27,011 22,703 102.23 119.81 6.69 23.904 10642 CHEROKEE INS CO 21,131 21,347 70.64 88.43 5.23 29.135 155 PROGRESSIVE GRP 19,120 19,846 82.40 86.77 4.74 33.876 88 THE HANOVER INS GRP 17,858 18,466 36.83 39.00 4.42 38.297 3548 TRAVELERS GRP 16,359 14,679 126.65 130.97 4.05 42.358 111 LIBERTY MUT GRP 15,167 17,535 47.83 51.09 3.76 46.109 67 MICHIGAN FARM BUREAU GRP 13,276 13,270 108.33 114.90 3.29 49.3910 1309 FRANKENMUTH GRP 10,165 9,797 71.41 78.15 2.52 51.91

**STATE TOTAL** 403,654 407,102 73.56 80.79 100.00 100.00. .

Minnesota 1 150 OLD REPUBLIC GRP 29,989 32,558 64.91 71.57 10.57 10.572 280 AUTO OWNERS GRP 20,828 20,819 63.68 65.99 7.34 17.923 3548 TRAVELERS GRP 20,097 21,157 15.92 15.27 7.09 25.004 111 LIBERTY MUT GRP 14,309 14,130 57.53 59.29 5.04 30.045 212 ZURICH INS GRP 13,575 13,153 3.06 3.76 4.79 34.836 309 WESTERN NATL MUT 12,047 12,206 55.52 59.47 4.25 39.087 796 QBE INS GRP 10,368 10,812 26.32 25.55 3.66 42.738 140 NATIONWIDE CORP GRP 9,550 10,919 46.19 49.73 3.37 46.109 155 PROGRESSIVE GRP 9,326 9,581 47.39 50.40 3.29 49.3910 98 WR BERKLEY CORP GRP 8,060 8,700 46.30 53.41 2.84 52.23

**STATE TOTAL** 283,652 292,437 47.04 50.39 100.00 100.00. .

Mississippi 1 3548 TRAVELERS GRP 24,610 25,007 36.94 39.19 11.80 11.802 155 PROGRESSIVE GRP 21,988 23,824 52.95 57.15 10.54 22.343 212 ZURICH INS GRP 15,669 16,598 20.81 27.26 7.51 29.854 262 CANAL GRP 10,898 12,462 107.86 119.81 5.22 35.085 111 LIBERTY MUT GRP 9,459 8,688 51.05 56.90 4.53 39.616 98 WR BERKLEY CORP GRP 9,417 9,289 48.42 54.38 4.51 44.137 12 AMERICAN INTL GRP 8,565 9,221 11.81 17.45 4.11 48.238 140 NATIONWIDE CORP GRP 7,169 7,930 73.61 79.79 3.44 51.679 474 FCCI MUT INS GRP 6,827 6,781 3.55 0.42 3.27 54.9410 150 OLD REPUBLIC GRP 6,312 6,189 60.06 71.78 3.03 57.97

**STATE TOTAL** 208,592 214,144 48.71 55.28 100.00 100.00. .

Missouri 1 3548 TRAVELERS GRP 32,818 32,390 38.12 41.43 9.95 9.952 111 LIBERTY MUT GRP 21,682 23,111 36.40 38.88 6.57 16.523 212 ZURICH INS GRP 21,550 22,036 139.87 149.05 6.53 23.054 150 OLD REPUBLIC GRP 15,761 16,526 43.15 49.91 4.78 27.835 140 NATIONWIDE CORP GRP 15,682 16,367 34.06 38.87 4.75 32.586 626 ACE LTD GRP 15,503 15,723 5.32 8.41 4.70 37.287 12 AMERICAN INTL GRP 12,993 14,557 29.76 42.03 3.94 41.228 155 PROGRESSIVE GRP 12,811 12,708 39.36 41.51 3.88 45.119 98 WR BERKLEY CORP GRP 10,558 12,992 40.51 42.89 3.20 48.3110 244 CINCINNATI FIN GRP 10,441 10,336 53.79 59.55 3.17 51.47

**STATE TOTAL** 329,886 341,719 54.34 59.70 100.00 100.00. .

Montana 1 3548 TRAVELERS GRP 11,432 11,396 32.28 32.79 14.12 14.122 111 LIBERTY MUT GRP 8,440 8,526 43.66 49.93 10.42 24.543 155 PROGRESSIVE GRP 6,885 7,380 48.67 49.71 8.50 33.044 212 ZURICH INS GRP 5,643 5,398 21.52 29.67 6.97 40.015 150 OLD REPUBLIC GRP 5,614 5,650 52.23 55.27 6.93 46.946 244 CINCINNATI FIN GRP 4,725 4,543 34.98 45.07 5.83 52.777 62 EMC INS CO GRP 3,417 3,425 64.16 70.66 4.22 56.998 140 NATIONWIDE CORP GRP 3,348 3,462 56.06 61.43 4.13 61.139 796 QBE INS GRP 1,997 1,617 89.87 104.07 2.47 63.5910 12 AMERICAN INTL GRP 1,902 1,624 89.20 109.84 2.35 65.94

**STATE TOTAL** 80,984 81,899 54.06 59.20 100.00 100.00. .

Nebraska 1 150 OLD REPUBLIC GRP 15,957 15,801 40.50 48.50 13.49 13.49




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 3548 TRAVELERS GRP 12,498 12,216 22.77 23.97 10.57 24.063 140 NATIONWIDE CORP GRP 8,791 8,451 33.73 35.04 7.43 31.504 98 WR BERKLEY CORP GRP 7,556 8,039 40.92 38.02 6.39 37.895 62 EMC INS CO GRP 7,270 7,292 64.41 69.58 6.15 44.036 212 ZURICH INS GRP 5,194 5,408 48.03 52.86 4.39 48.437 155 PROGRESSIVE GRP 4,234 4,241 79.64 78.60 3.58 52.018 225 IAT REINS CO GRP 4,107 3,701 67.99 71.97 3.47 55.489 111 LIBERTY MUT GRP 3,661 3,756 13.50 16.65 3.10 58.5710 12 AMERICAN INTL GRP 2,699 2,107 201.57 214.19 2.28 60.86

**STATE TOTAL** 118,252 117,535 48.24 52.08 100.00 100.00. .

Nevada 1 111 LIBERTY MUT GRP 15,987 14,933 61.19 68.02 9.68 9.682 212 ZURICH INS GRP 15,653 16,714 39.77 53.45 9.48 19.163 3548 TRAVELERS GRP 13,041 14,305 53.68 63.18 7.90 27.054 155 PROGRESSIVE GRP 11,600 12,977 61.13 67.79 7.02 34.085 12 AMERICAN INTL GRP 8,400 8,149 -2.00 9.29 5.09 39.176 140 NATIONWIDE CORP GRP 8,171 9,412 104.52 115.33 4.95 44.117 19020 BELL UNITED INS CO 8,068 8,068 66.27 69.61 4.89 49.008 62 EMC INS CO GRP 6,611 6,934 95.91 102.91 4.00 53.009 218 CNA INS GRP 6,526 6,918 64.22 62.34 3.95 56.9510 802 CAPITAL INS GRP 5,800 6,056 84.29 96.50 3.51 60.46

**STATE TOTAL** 165,153 171,172 69.03 78.38 100.00 100.00. .

New Hampshire 1 111 LIBERTY MUT GRP 11,098 11,340 40.55 46.34 13.70 13.702 98 WR BERKLEY CORP GRP 10,955 11,200 54.30 56.04 13.53 27.233 3548 TRAVELERS GRP 6,339 6,241 26.39 31.48 7.83 35.064 212 ZURICH INS GRP 4,193 4,389 31.03 35.54 5.18 40.245 155 PROGRESSIVE GRP 4,065 3,766 47.79 50.01 5.02 45.266 88 THE HANOVER INS GRP 3,872 3,884 28.91 30.73 4.78 50.047 1129 WHITE MOUNTAINS GRP 2,852 3,186 69.94 73.50 3.52 53.568 140 NATIONWIDE CORP GRP 2,469 2,705 76.94 81.49 3.05 56.619 226 MERCHANTS MUT GRP 2,466 2,443 48.48 56.10 3.05 59.6610 311 MAIN STREET AMER GRP 2,058 2,210 88.12 89.25 2.54 62.20

**STATE TOTAL** 80,981 84,194 44.62 48.54 100.00 100.00. .

New Jersey 1 111 LIBERTY MUT GRP 71,031 71,072 59.74 67.08 8.39 8.392 155 PROGRESSIVE GRP 66,797 68,465 75.35 80.93 7.89 16.273 242 SELECTIVE INS GRP 62,426 64,280 60.21 64.19 7.37 23.644 3548 TRAVELERS GRP 53,940 54,034 47.35 51.72 6.37 30.015 212 ZURICH INS GRP 45,577 46,161 24.61 35.25 5.38 35.396 708 NEW JERSEY MANUFACTURERS GRP 44,455 46,470 102.57 105.55 5.25 40.637 12 AMERICAN INTL GRP 38,125 41,966 36.55 39.21 4.50 45.148 253 HARLEYSVILLE GRP 37,926 39,163 44.25 49.07 4.48 49.619 91 HARTFORD FIRE & CAS GRP 30,780 32,353 54.70 59.74 3.63 53.2510 8 ALLSTATE INS GRP 25,408 26,337 66.49 67.46 3.00 56.25

**STATE TOTAL** 847,124 871,106 61.30 79.15 100.00 100.00. .

New Mexico 1 3548 TRAVELERS GRP 14,454 14,137 21.42 22.22 12.67 12.672 212 ZURICH INS GRP 11,667 12,305 36.53 40.24 10.23 22.893 111 LIBERTY MUT GRP 9,880 10,306 45.52 48.29 8.66 31.554 155 PROGRESSIVE GRP 8,336 8,674 45.69 47.14 7.31 38.865 791 MOUNTAIN STATES INS CO GRP 5,933 6,794 45.18 52.01 5.20 44.066 12 AMERICAN INTL GRP 5,411 5,410 57.19 63.78 4.74 48.807 140 NATIONWIDE CORP GRP 5,106 5,490 34.33 38.53 4.47 53.288 150 OLD REPUBLIC GRP 4,879 5,133 38.98 40.80 4.28 57.559 218 CNA INS GRP 3,935 4,028 44.57 46.40 3.45 61.0010 62 EMC INS CO GRP 3,299 3,038 69.66 74.96 2.89 63.89

**STATE TOTAL** 114,099 118,178 46.86 51.45 100.00 100.00. .

New York 1 16616 AMERICAN TRANSIT INS CO 131,376 133,908 69.16 84.92 8.38 8.382 3548 TRAVELERS GRP 95,892 100,359 48.41 52.65 6.12 14.503 111 LIBERTY MUT GRP 76,255 80,319 51.33 56.47 4.87 19.374 12 AMERICAN INTL GRP 74,620 81,194 67.37 77.39 4.76 24.135 8 ALLSTATE INS GRP 73,649 76,567 45.97 45.52 4.70 28.836 155 PROGRESSIVE GRP 71,515 73,490 55.00 60.79 4.56 33.39




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 4695 HEREFORD HOLDING GRP 55,759 57,479 48.57 54.60 3.56 36.958 91 HARTFORD FIRE & CAS GRP 50,553 52,050 76.19 80.33 3.23 40.179 212 ZURICH INS GRP 50,035 50,850 21.86 27.18 3.19 43.3710 3703 TOWER GRP 46,475 46,532 45.88 47.06 2.97 46.33

**STATE TOTAL** 1,567,234 1,594,411 55.33 63.61 100.00 100.00. .

North Carolina 1 3548 TRAVELERS GRP 47,717 53,011 27.90 27.56 9.72 9.722 324 NORTH CAROLINA FARM BUREAU GRP 29,815 30,238 60.01 61.53 6.08 15.803 140 NATIONWIDE CORP GRP 27,476 30,009 53.09 53.86 5.60 21.404 212 ZURICH INS GRP 26,803 28,153 36.23 38.13 5.46 26.865 111 LIBERTY MUT GRP 25,544 27,129 38.70 41.78 5.21 32.076 12 AMERICAN INTL GRP 24,237 22,477 50.37 56.92 4.94 37.017 280 AUTO OWNERS GRP 18,177 18,297 54.32 56.81 3.70 40.718 213 ERIE INS GRP 17,883 18,270 17.09 19.41 3.64 44.369 244 CINCINNATI FIN GRP 14,372 14,615 40.37 41.69 2.93 47.2810 91 HARTFORD FIRE & CAS GRP 13,862 14,138 -1.78 -8.46 2.83 50.11

**STATE TOTAL** 490,699 514,752 45.66 48.90 100.00 100.00. .

North Dakota 1 150 OLD REPUBLIC GRP 8,533 8,208 67.91 75.20 17.68 17.682 3548 TRAVELERS GRP 3,509 4,022 33.37 33.46 7.27 24.953 140 NATIONWIDE CORP GRP 3,121 3,093 94.67 97.19 6.47 31.424 212 ZURICH INS GRP 2,749 2,939 27.15 29.55 5.70 37.115 62 EMC INS CO GRP 2,637 2,522 29.71 33.36 5.46 42.586 98 WR BERKLEY CORP GRP 1,704 1,741 217.40 243.86 3.53 46.117 280 AUTO OWNERS GRP 1,677 1,559 79.93 80.20 3.47 49.588 244 CINCINNATI FIN GRP 1,602 1,534 30.90 33.76 3.32 52.909 111 LIBERTY MUT GRP 1,492 1,668 24.66 41.40 3.09 55.9910 14184 ACUITY A MUT INS CO 1,393 1,342 39.81 40.05 2.89 58.88

**STATE TOTAL** 48,266 48,608 52.25 57.34 100.00 100.00. .

Ohio 1 244 CINCINNATI FIN GRP 48,004 49,703 42.54 46.00 8.88 8.882 228 WESTFIELD GRP 38,091 38,822 39.57 43.68 7.05 15.923 3548 TRAVELERS GRP 35,716 37,448 16.76 16.98 6.61 22.534 212 ZURICH INS GRP 30,370 31,722 37.66 43.83 5.62 28.155 111 LIBERTY MUT GRP 29,410 32,376 47.64 49.63 5.44 33.596 140 NATIONWIDE CORP GRP 28,611 29,339 73.22 76.10 5.29 38.887 155 PROGRESSIVE GRP 26,339 28,034 52.63 55.67 4.87 43.758 12 AMERICAN INTL GRP 22,487 23,979 2.74 3.05 4.16 47.919 291 MOTORISTS MUT GRP 21,543 22,061 37.30 46.94 3.98 51.8910 280 AUTO OWNERS GRP 17,750 18,489 31.63 34.07 3.28 55.18

**STATE TOTAL** 540,667 567,883 39.21 42.90 100.00 100.00. .

Oklahoma 1 3548 TRAVELERS GRP 26,004 25,593 42.17 43.97 10.84 10.842 212 ZURICH INS GRP 23,093 19,984 51.55 58.72 9.63 20.473 155 PROGRESSIVE GRP 18,732 19,810 56.34 61.10 7.81 28.294 111 LIBERTY MUT GRP 16,826 17,262 30.49 39.95 7.02 35.305 150 OLD REPUBLIC GRP 14,544 15,394 46.48 51.59 6.07 41.376 12 AMERICAN INTL GRP 12,103 16,152 36.12 39.86 5.05 46.427 23663 NATIONAL AMER INS CO 9,041 9,431 47.16 49.78 3.77 50.198 84 AMERICAN FINANCIAL GRP 8,336 9,042 90.94 96.87 3.48 53.669 218 CNA INS GRP 7,505 6,065 85.22 92.21 3.13 56.7910 98 WR BERKLEY CORP GRP 6,911 7,795 120.77 128.02 2.88 59.67

**STATE TOTAL** 239,792 244,277 55.45 61.29 100.00 100.00. .

Oregon 1 111 LIBERTY MUT GRP 41,796 43,904 42.91 46.18 19.75 19.752 212 ZURICH INS GRP 27,828 27,318 47.47 52.35 13.15 32.903 3548 TRAVELERS GRP 20,476 19,939 34.05 35.18 9.68 42.574 155 PROGRESSIVE GRP 10,649 11,122 34.84 36.43 5.03 47.615 150 OLD REPUBLIC GRP 9,443 9,958 51.71 59.40 4.46 52.076 796 QBE INS GRP 6,400 6,513 27.42 27.04 3.02 55.097 218 CNA INS GRP 5,603 6,088 25.65 28.94 2.65 57.748 140 NATIONWIDE CORP GRP 5,542 5,782 18.83 20.86 2.62 60.369 12 AMERICAN INTL GRP 5,328 5,607 31.57 41.56 2.52 62.8710 333 MUTUAL OF ENUMCLAW GRP 5,101 5,203 52.47 60.81 2.41 65.28

**STATE TOTAL** 211,635 219,214 43.60 48.47 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%



2 3548 TRAVELERS GRP 66,723 68,679 35.00 36.80 8.11 18.413 212 ZURICH INS GRP 59,082 60,035 52.75 57.66 7.18 25.594 111 LIBERTY MUT GRP 44,264 45,972 74.64 75.50 5.38 30.975 155 PROGRESSIVE GRP 40,368 43,736 54.18 57.62 4.91 35.876 140 NATIONWIDE CORP GRP 39,452 40,471 56.62 61.34 4.80 40.677 253 HARLEYSVILLE GRP 33,932 35,158 35.83 39.90 4.12 44.798 12 AMERICAN INTL GRP 31,453 32,251 40.74 48.88 3.82 48.629 242 SELECTIVE INS GRP 29,305 30,665 61.58 63.26 3.56 52.1810 244 CINCINNATI FIN GRP 20,421 20,463 72.10 77.47 2.48 54.66

**STATE TOTAL** 822,724 839,320 49.84 54.80 100.00 100.00. .

Rhode Island 1 3548 TRAVELERS GRP 8,922 9,290 34.04 34.55 12.67 12.672 155 PROGRESSIVE GRP 7,751 8,407 50.69 51.15 11.00 23.673 242 SELECTIVE INS GRP 5,251 5,375 50.67 54.52 7.45 31.124 111 LIBERTY MUT GRP 5,064 5,091 37.62 40.53 7.19 38.315 62 EMC INS CO GRP 3,680 3,919 65.23 71.70 5.22 43.546 212 ZURICH INS GRP 3,227 3,314 38.51 42.11 4.58 48.127 253 HARLEYSVILLE GRP 2,553 2,495 49.73 54.76 3.62 51.748 140 NATIONWIDE CORP GRP 2,421 2,682 39.39 43.36 3.44 55.189 586 ARBELLA INS GRP 2,407 2,381 31.40 35.07 3.42 58.6010 677 PHILADELPHIA CONSOLIDATED HOLDING GR 2,335 2,240 77.58 87.47 3.32 61.91

**STATE TOTAL** 70,438 73,567 41.51 45.68 100.00 100.00. .

South Carolina 1 111 LIBERTY MUT GRP 16,262 18,199 59.66 64.49 7.06 7.062 3548 TRAVELERS GRP 15,642 14,783 49.97 51.37 6.79 13.863 212 ZURICH INS GRP 15,062 17,069 59.84 60.68 6.54 20.404 280 AUTO OWNERS GRP 14,797 15,083 25.85 25.06 6.43 26.835 155 PROGRESSIVE GRP 14,704 16,150 41.89 45.39 6.39 33.216 12 AMERICAN INTL GRP 10,795 10,576 57.82 61.89 4.69 37.907 140 NATIONWIDE CORP GRP 10,255 10,499 59.99 62.59 4.45 42.358 91 HARTFORD FIRE & CAS GRP 7,470 8,095 71.53 71.40 3.24 45.609 150 OLD REPUBLIC GRP 6,735 7,361 81.35 92.29 2.92 48.5210 176 STATE FARM GRP 6,094 6,239 74.62 82.60 2.65 51.17

**STATE TOTAL** 230,240 243,704 50.29 53.72 100.00 100.00. .

South Dakota 1 150 OLD REPUBLIC GRP 8,244 8,534 52.18 59.47 15.43 15.432 3548 TRAVELERS GRP 4,266 4,450 8.19 8.13 7.99 23.423 140 NATIONWIDE CORP GRP 3,845 3,820 73.88 76.84 7.20 30.624 98 WR BERKLEY CORP GRP 3,105 3,170 43.51 56.95 5.81 36.435 14184 ACUITY A MUT INS CO 2,870 2,976 42.08 31.64 5.37 41.806 280 AUTO OWNERS GRP 2,742 2,685 41.83 44.50 5.13 46.947 212 ZURICH INS GRP 2,313 2,242 13.03 24.18 4.33 51.278 796 QBE INS GRP 1,987 2,021 -0.15 4.33 3.72 54.999 248 UNITED FIRE & CAS GRP 1,880 1,877 50.94 54.82 3.52 58.5110 169 SENTRY INS GRP 1,711 1,758 47.08 37.92 3.20 61.71

**STATE TOTAL** 53,419 54,701 38.81 39.18 100.00 100.00. .

Tennessee 1 3548 TRAVELERS GRP 34,679 34,188 29.14 31.75 10.60 10.602 12 AMERICAN INTL GRP 20,145 18,166 32.45 42.63 6.16 16.753 111 LIBERTY MUT GRP 19,828 20,285 32.24 34.99 6.06 22.814 212 ZURICH INS GRP 18,564 19,560 25.09 27.16 5.67 28.495 155 PROGRESSIVE GRP 15,871 16,837 55.07 58.38 4.85 33.346 140 NATIONWIDE CORP GRP 13,907 13,963 57.39 64.18 4.25 37.597 10642 CHEROKEE INS CO 13,851 15,549 90.03 105.70 4.23 41.828 280 AUTO OWNERS GRP 13,316 13,357 93.55 104.04 4.07 45.899 150 OLD REPUBLIC GRP 11,721 13,199 43.35 47.89 3.58 49.4710 244 CINCINNATI FIN GRP 9,789 10,079 66.58 71.03 2.99 52.46

**STATE TOTAL** 327,239 338,339 51.37 57.36 100.00 100.00. .

Texas 1 12 AMERICAN INTL GRP 163,479 169,031 61.69 68.63 10.85 10.852 212 ZURICH INS GRP 153,932 150,239 57.76 64.80 10.21 21.063 155 PROGRESSIVE GRP 113,424 121,067 53.94 57.32 7.53 28.594 3548 TRAVELERS GRP 103,545 106,042 60.02 64.68 6.87 35.46




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 111 LIBERTY MUT GRP 102,816 110,158 49.44 55.85 6.82 42.286 3489 DELEK GRP 78,041 83,740 61.36 70.57 5.18 47.467 626 ACE LTD GRP 61,575 59,763 55.06 64.46 4.09 51.548 140 NATIONWIDE CORP GRP 47,877 49,612 55.13 60.10 3.18 54.729 150 OLD REPUBLIC GRP 44,348 44,182 67.04 74.26 2.94 57.6610 176 STATE FARM GRP 43,662 44,468 47.61 50.53 2.90 60.56

**STATE TOTAL** 1,507,164 1,544,457 57.92 64.61 100.00 100.00. .

Utah 1 140 NATIONWIDE CORP GRP 23,461 22,428 76.31 84.26 13.95 13.952 3548 TRAVELERS GRP 19,077 18,388 36.32 39.42 11.35 25.303 212 ZURICH INS GRP 16,437 16,518 69.34 77.22 9.78 35.084 111 LIBERTY MUT GRP 14,016 15,366 31.74 33.42 8.34 43.415 150 OLD REPUBLIC GRP 9,908 10,002 64.79 69.81 5.89 49.316 280 AUTO OWNERS GRP 9,240 9,756 52.08 56.60 5.50 54.807 12 AMERICAN INTL GRP 7,595 7,488 57.22 58.47 4.52 59.328 155 PROGRESSIVE GRP 6,126 6,998 41.68 45.35 3.64 62.969 244 CINCINNATI FIN GRP 5,040 4,845 74.14 77.67 3.00 65.9610 225 IAT REINS CO GRP 3,826 3,754 51.58 59.29 2.28 68.24

**STATE TOTAL** 168,127 173,113 48.38 54.42 100.00 100.00. .

Vermont 1 155 PROGRESSIVE GRP 4,807 4,779 43.66 45.99 11.48 11.482 98 WR BERKLEY CORP GRP 4,617 4,780 40.32 39.38 11.03 22.513 111 LIBERTY MUT GRP 4,600 4,615 30.55 31.81 10.99 33.494 3548 TRAVELERS GRP 2,837 3,029 16.59 16.73 6.78 40.275 140 NATIONWIDE CORP GRP 2,210 2,708 24.88 28.36 5.28 45.556 10541 AGRINATIONAL INS CO 2,057 2,047 56.23 68.73 4.91 50.467 244 CINCINNATI FIN GRP 1,909 1,920 24.19 25.61 4.56 55.028 212 ZURICH INS GRP 1,580 1,707 5.34 10.07 3.77 58.799 15997 MMG INS CO 1,446 1,456 60.79 63.39 3.45 62.2410 408 AMERICAN NATL FIN GRP 1,095 1,083 38.62 26.43 2.61 64.86

**STATE TOTAL** 41,872 43,610 30.43 32.50 100.00 100.00. .

Virginia 1 3548 TRAVELERS GRP 35,615 37,347 26.24 28.23 9.20 9.202 155 PROGRESSIVE GRP 30,793 33,049 55.30 57.90 7.96 17.163 140 NATIONWIDE CORP GRP 27,300 28,853 59.65 62.20 7.06 24.224 212 ZURICH INS GRP 23,951 24,835 16.60 20.05 6.19 30.415 213 ERIE INS GRP 23,395 23,522 49.32 57.17 6.05 36.456 111 LIBERTY MUT GRP 20,646 22,268 44.13 43.33 5.34 41.797 12 AMERICAN INTL GRP 16,778 17,247 24.45 30.01 4.34 46.128 244 CINCINNATI FIN GRP 13,953 14,366 94.86 101.12 3.61 49.739 242 SELECTIVE INS GRP 13,272 13,590 60.16 63.28 3.43 53.1610 91 HARTFORD FIRE & CAS GRP 12,743 14,278 35.51 31.69 3.29 56.45

**STATE TOTAL** 386,959 405,189 49.88 53.94 100.00 100.00. .

Washington 1 111 LIBERTY MUT GRP 66,691 69,756 44.60 46.55 18.87 18.872 212 ZURICH INS GRP 45,626 45,762 33.83 39.49 12.91 31.783 3548 TRAVELERS GRP 28,534 30,102 32.23 38.20 8.07 39.854 155 PROGRESSIVE GRP 18,068 19,573 27.92 30.55 5.11 44.975 150 OLD REPUBLIC GRP 17,339 18,309 47.63 53.41 4.91 49.876 333 MUTUAL OF ENUMCLAW GRP 13,306 13,321 79.07 100.12 3.76 53.647 796 QBE INS GRP 12,385 12,133 41.48 43.60 3.50 57.148 12 AMERICAN INTL GRP 11,968 11,938 19.14 26.33 3.39 60.539 218 CNA INS GRP 11,394 11,684 96.82 101.34 3.22 63.7510 140 NATIONWIDE CORP GRP 10,662 11,349 27.51 32.40 3.02 66.77

**STATE TOTAL** 353,426 366,856 46.84 52.77 100.00 100.00. .

West Virginia 1 3548 TRAVELERS GRP 17,486 17,526 39.87 41.14 19.01 19.012 140 NATIONWIDE CORP GRP 11,352 12,103 50.99 55.83 12.34 31.353 228 WESTFIELD GRP 10,452 9,990 67.93 74.81 11.36 42.714 213 ERIE INS GRP 10,127 10,185 55.67 59.96 11.01 53.725 155 PROGRESSIVE GRP 5,599 5,609 46.87 51.83 6.09 59.816 212 ZURICH INS GRP 5,288 5,182 53.55 56.73 5.75 65.567 175 STATE AUTO MUT GRP 4,139 4,268 45.19 53.17 4.50 70.068 244 CINCINNATI FIN GRP 3,565 3,777 62.30 66.28 3.88 73.939 111 LIBERTY MUT GRP 3,255 4,046 23.11 27.86 3.54 77.47




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 43958 COMMERCE PROTECTIVE INS CO 2,467 2,322 33.83 39.43 2.68 80.15**STATE TOTAL** 91,983 94,061 64.63 70.28 100.00 100.00


2 14184 ACUITY A MUT INS CO 22,333 23,385 53.34 64.60 6.77 19.103 796 QBE INS GRP 20,809 21,165 28.38 36.09 6.31 25.414 1243 WEST BEND MUT GRP 20,472 20,554 33.61 35.20 6.20 31.625 150 OLD REPUBLIC GRP 17,574 18,454 54.78 59.37 5.33 36.946 212 ZURICH INS GRP 15,085 15,683 48.94 53.44 4.57 41.517 111 LIBERTY MUT GRP 12,211 12,352 52.70 60.75 3.70 45.218 12 AMERICAN INTL GRP 10,767 9,611 27.40 29.35 3.26 48.489 155 PROGRESSIVE GRP 8,606 8,570 15.93 17.08 2.61 51.0910 140 NATIONWIDE CORP GRP 8,225 8,862 44.94 51.05 2.49 53.58

**STATE TOTAL** 329,957 335,864 46.65 52.00 100.00 100.00. .

Wyoming 1 3548 TRAVELERS GRP 8,176 8,281 63.67 69.29 17.31 17.312 111 LIBERTY MUT GRP 5,944 6,106 53.13 76.12 12.59 29.903 150 OLD REPUBLIC GRP 4,769 5,207 78.27 81.91 10.10 39.994 212 ZURICH INS GRP 4,165 4,142 47.95 49.24 8.82 48.815 155 PROGRESSIVE GRP 3,264 3,456 40.45 45.41 6.91 55.726 140 NATIONWIDE CORP GRP 3,093 2,948 56.23 60.41 6.55 62.277 62 EMC INS CO GRP 2,141 2,204 36.70 39.01 4.53 66.818 12 AMERICAN INTL GRP 2,085 2,337 66.29 69.51 4.41 71.229 677 PHILADELPHIA CONSOLIDATED HOLDING GR 843 785 66.92 75.37 1.78 73.0110 866 WESTERN WORLD GRP 826 768 28.83 31.63 1.75 74.75

**STATE TOTAL** 47,229 48,383 49.05 55.47 100.00 100.00. .

Guam 1 12633 CENTURY INS CO GU LTD 1,030 814 75.20 82.32 33.11 33.112 18380 PACIFIC IND INS CO 899 879 66.17 65.96 28.91 62.033 4672 DONGBU INS GRP 732 725 49.62 57.22 23.54 85.574 13597 CHUNG KUO INS CO LTD 272 272 204.36 237.60 8.75 94.325 10972 FIRST NET INS CO 97 97 40.26 43.28 3.14 97.456 212 ZURICH INS GRP 55 52 32.59 37.89 1.76 99.21

**STATE TOTAL** 3,109 2,922 73.57 80.51 100.00 100.00. .

Puerto Rico 1 411 MAPFRE INS GRP 17,091 22,619 55.62 57.70 22.34 22.342 71 UNIVERSAL INS CO GRP 16,318 16,760 36.64 32.42 21.33 43.683 40568 TRIPLE S PROPIEDAD INC 13,186 14,067 57.68 59.89 17.24 60.924 26778 INTEGRAND ASSUR CO 9,250 6,984 46.00 55.68 12.09 73.015 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 8,616 9,476 53.39 58.81 11.26 84.276 12 AMERICAN INTL GRP 3,625 4,004 8.11 23.65 4.74 89.017 343 NATIONAL INS CO GRP 3,477 3,457 -19.79 -15.86 4.55 93.568 10140 OPTIMA INS CO 1,430 1,324 29.61 31.33 1.87 95.439 626 ACE LTD GRP 934 902 -26.60 -28.46 1.22 96.6510 10308 ANTILLES INS CO 739 762 133.24 143.30 0.97 97.62

**STATE TOTAL** 76,490 82,085 44.15 46.81 100.00 100.00. .

U.S. Virgin Islands 1 17779 GUARDIAN INS CO INC 1,470 1,540 64.69 85.54 42.96 42.962 161 TOPA EQUITIES LTD GRP 821 817 69.06 77.75 23.98 66.943 626 ACE LTD GRP 351 384 -9.07 -4.46 10.27 77.214 35858 COMPANION INC 330 0 N/A N/A 9.64 86.865 13598 KESWICK GUARANTY INC 255 255 41.87 41.87 7.46 94.316 12 AMERICAN INTL GRP 49 21 1302.80 1352.92 1.43 95.747 218 CNA INS GRP 37 40 -34.06 -29.42 1.09 96.848 12588 PRIME INS CO 31 22 19.87 23.41 0.91 97.759 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 29 32 1454.04 1463.54 0.85 98.6010 26778 INTEGRAND ASSUR CO 27 28 0.00 0.00 0.79 99.40

**STATE TOTAL** 3,422 3,164 116.92 130.73 100.00 100.00. .


**STATE TOTAL** 256 259 515.45 552.53 100.00 100.00. .

Canada 1 3548 TRAVELERS GRP 35,350 35,209 20.94 19.10 39.15 39.152 111 LIBERTY MUT GRP 16,549 15,321 13.00 26.35 18.33 57.47




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


3 176 STATE FARM GRP 11,941 11,780 63.82 66.93 13.22 70.704 761 ALLIANZ INS GRP 10,954 10,660 -119.92 -113.01 12.13 82.835 218 CNA INS GRP 8,606 8,025 31.49 39.70 9.53 92.366 10499 CHRYSLER INS CO 2,292 2,212 -67.66 -29.74 2.54 94.907 1279 ARCH INS GRP 1,344 662 21.37 22.89 1.49 96.388 79 GMAC INS HOLDING GRP 1,229 1,229 -11.29 3.02 1.36 97.759 21261 ELECTRIC INS CO 968 968 18.88 23.60 1.07 98.8210 91 HARTFORD FIRE & CAS GRP 546 558 526.47 555.96 0.60 99.42

**STATE TOTAL** 90,301 87,139 10.68 15.84 100.00 100.00. .

Aggregate Other Alien 1 12 AMERICAN INTL GRP 101,731 105,937 41.53 42.33 77.34 77.342 626 ACE LTD GRP 9,050 8,122 242.07 263.35 6.88 84.223 19119 NATIONAL UNITY INS CO 7,844 7,994 40.33 44.18 5.96 90.184 38 CHUBB & SON INC GRP 7,293 7,623 -3.75 -8.33 5.54 95.725 3548 TRAVELERS GRP 2,801 2,903 20.72 22.34 2.13 97.856 212 ZURICH INS GRP 745 745 50.89 61.76 0.57 98.427 218 CNA INS GRP 721 761 -8.10 1.03 0.55 98.978 1129 WHITE MOUNTAINS GRP 533 519 6.47 6.76 0.41 99.379 98 WR BERKLEY CORP GRP 237 291 25.46 25.46 0.18 99.5510 111 LIBERTY MUT GRP 168 -454 N/A N/A 0.13 99.68

**STATE TOTAL** 131,543 134,863 49.75 52.28 100.00 100.00. .




21.2— Commercial Auto Physical Damage



States, U.S. Territories, Canada, and Aggregate Other Alien21.2-Commercial Auto Physical Damage



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 3548 TRAVELERS GRP 443,281 449,278 51.22 51.06 7.67 7.672 155 PROGRESSIVE GRP 379,117 409,929 54.45 54.62 6.56 14.243 212 ZURICH INS GRP 318,405 343,156 51.32 52.44 5.51 19.754 111 LIBERTY MUT GRP 317,094 330,735 55.42 56.12 5.49 25.245 140 NATIONWIDE CORP GRP 213,861 227,101 52.63 53.96 3.70 28.946 280 AUTO OWNERS GRP 197,012 204,256 50.84 51.21 3.41 32.357 150 OLD REPUBLIC GRP 190,823 197,230 59.92 61.55 3.30 35.668 1281 BANKAMERICA CORP GRP 164,227 233,379 62.55 63.57 2.84 38.509 176 STATE FARM GRP 145,470 149,250 53.53 53.78 2.52 41.0210 84 AMERICAN FINANCIAL GRP 136,072 143,928 51.81 52.68 2.36 43.3811 796 QBE INS GRP 118,465 121,268 53.15 58.93 2.05 45.4312 98 WR BERKLEY CORP GRP 110,939 121,114 51.09 52.17 1.92 47.3513 91 HARTFORD FIRE & CAS GRP 107,644 110,618 59.49 59.23 1.86 49.2114 8 ALLSTATE INS GRP 102,500 112,400 35.36 35.91 1.77 50.9815 244 CINCINNATI FIN GRP 97,301 98,721 62.05 62.98 1.68 52.6716 306 CUNA MUT GRP 94,792 90,862 49.47 49.48 1.64 54.3117 79 GMAC INS HOLDING GRP 85,157 87,094 71.79 72.44 1.47 55.7818 218 CNA INS GRP 83,622 83,948 48.01 52.04 1.45 57.2319 213 ERIE INS GRP 81,126 83,121 51.41 51.81 1.40 58.6420 225 IAT REINS CO GRP 60,991 65,034 59.70 65.12 1.06 59.6921 361 MUNICH RE GRP 60,904 59,817 64.54 68.14 1.05 60.7522 242 SELECTIVE INS GRP 60,678 59,869 63.15 63.41 1.05 61.8023 677 PHILADELPHIA CONSOLIDATED HOLDING GR 56,508 54,208 43.17 43.64 0.98 62.7824 62 EMC INS CO GRP 55,534 55,881 57.53 57.78 0.96 63.7425 228 WESTFIELD GRP 53,149 52,937 52.97 53.97 0.92 64.6626 169 SENTRY INS GRP 52,810 58,513 88.97 88.25 0.91 65.5727 93 STATE NATL GRP 49,795 53,540 55.66 61.34 0.86 66.4328 12 AMERICAN INTL GRP 49,621 51,940 111.27 118.53 0.86 67.2929 31 BERKSHIRE HATHAWAY GRP 49,546 53,464 36.20 40.91 0.86 68.1530 88 THE HANOVER INS GRP 48,996 48,467 57.38 58.47 0.85 69.0031 14184 ACUITY A MUT INS CO 47,246 47,505 48.78 48.95 0.82 69.8232 38 CHUBB & SON INC GRP 47,205 49,960 43.64 43.03 0.82 70.6333 457 ARGONAUT GRP 45,608 46,580 22.42 21.80 0.79 71.4234 253 HARLEYSVILLE GRP 40,407 41,978 56.63 56.91 0.70 72.1235 158 FAIRFAX FIN GRP 40,022 42,339 50.65 54.16 0.69 72.8236 7 FEDERATED MUT GRP 36,306 38,846 36.26 36.46 0.63 73.4537 262 CANAL GRP 35,038 39,221 54.36 57.99 0.61 74.0538 867 BALDWIN & LYONS GRP 34,848 35,061 44.53 46.37 0.60 74.6639 175 STATE AUTO MUT GRP 34,126 34,494 55.08 55.81 0.59 75.2540 10499 CHRYSLER INS CO 33,577 35,752 53.35 53.49 0.58 75.8341 4684 MAIDEN HOLDINGS GRP 32,276 35,762 58.88 59.30 0.56 76.3942 291 MOTORISTS MUT GRP 31,645 32,342 58.93 59.28 0.55 76.9343 19 ASSURANT INC GRP 31,054 29,926 37.53 37.57 0.54 77.4744 201 UTICA GRP 26,836 27,324 43.38 46.22 0.46 77.9445 248 UNITED FIRE & CAS GRP 26,388 26,961 58.12 59.53 0.46 78.3946 3489 DELEK GRP 26,379 29,975 49.32 49.69 0.46 78.8547 1129 WHITE MOUNTAINS GRP 25,572 28,227 52.86 53.29 0.44 79.2948 456 LANCER FINANCIAL GRP 25,422 26,801 48.29 52.14 0.44 79.7349 473 AMERICAN FAMILY INS GRP 24,003 25,213 45.33 45.45 0.42 80.1550 816 COMMERCE INC GRP 23,167 24,650 56.46 56.63 0.40 80.5551 1243 WEST BEND MUT GRP 22,959 23,543 53.65 53.64 0.40 80.9552 748 MEADOWBROOK INS GRP 22,269 21,575 53.98 58.57 0.39 81.3353 660 MERCURY GEN GRP 21,993 24,154 34.29 34.80 0.38 81.7154 1279 ARCH INS GRP 21,765 21,067 69.11 69.59 0.38 82.0955 311 MAIN STREET AMER GRP 20,967 21,681 59.90 60.24 0.36 82.4556 626 ACE LTD GRP 20,654 19,607 46.76 50.62 0.36 82.8157 71 UNIVERSAL INS CO GRP 20,611 24,621 49.22 49.20 0.36 83.1758 408 AMERICAN NATL FIN GRP 20,491 21,936 63.00 63.44 0.35 83.5259 124 AMERISURE CO GRP 20,452 20,208 46.15 46.98 0.35 83.8860 267 GRANGE MUT CAS GRP 19,543 19,276 53.56 53.59 0.34 84.2161 21172 VANLINER INS CO 19,453 19,878 49.84 49.94 0.34 84.5562 474 FCCI MUT INS GRP 18,180 18,035 54.23 56.78 0.31 84.8763 271 PENNSYLVANIA NATL INS GRP 17,809 18,432 63.59 63.75 0.31 85.1764 1309 FRANKENMUTH GRP 17,563 17,465 48.59 49.86 0.30 85.4865 188 SAFETY GRP 17,370 18,713 59.49 60.30 0.30 85.78




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 561 GEORGIA FARM BUREAU GRP 16,708 17,429 51.29 51.44 0.29 86.0767 153 PEKIN INS GRP 15,802 15,604 48.30 48.76 0.27 86.3468 411 MAPFRE INS GRP 15,554 22,648 49.93 50.74 0.27 86.6169 50 COUNTRY INS & FIN SERV GRP 15,450 15,823 39.22 39.58 0.27 86.8870 785 MARKEL CORP GRP 15,077 19,453 41.40 44.97 0.26 87.1471 10676 FIRST GUARD INS CO 15,058 15,058 42.53 42.53 0.26 87.4072 761 ALLIANZ INS GRP 14,524 21,829 9.61 12.68 0.25 87.6573 10642 CHEROKEE INS CO 13,886 15,280 50.41 50.41 0.24 87.8974 10749 INTREPID INS CO 13,797 16,693 15.32 15.32 0.24 88.1375 3703 TOWER GRP 13,706 15,865 61.67 65.03 0.24 88.3776 586 ARBELLA INS GRP 13,225 14,074 62.30 63.34 0.23 88.6077 96 SECURA INS GRP 13,065 12,339 85.07 86.45 0.23 88.8278 3098 TOKIO MARINE HOLDINGS INC GRP 12,073 12,295 58.37 62.79 0.21 89.0379 3478 HALLMARK FIN SERV GRP 12,073 11,518 37.95 40.70 0.21 89.2480 518 GRINNELL MUT GRP 11,949 12,165 61.29 61.47 0.21 89.4581 40568 TRIPLE S PROPIEDAD INC 11,929 15,490 49.08 51.83 0.21 89.6682 708 NEW JERSEY MANUFACTURERS GRP 11,695 12,208 52.29 53.05 0.20 89.8683 36 CENTRAL MUT INS CO GRP 11,624 10,778 54.90 54.91 0.20 90.0684 4381 LIGHTYEAR DELOS GRP 11,203 11,042 123.64 140.00 0.19 90.2585 513 IOWA FARM BUREAU GRP 10,842 10,566 71.97 73.02 0.19 90.4486 250 DONEGAL GRP 10,802 10,917 51.09 51.56 0.19 90.6387 3495 INFINITY PROP & CAS INS GRP 10,768 9,930 51.22 52.09 0.19 90.8188 18767 CHURCH MUT INS CO 10,655 10,838 41.08 41.31 0.18 91.0089 483 SOUTHERN FARM BUREAU CAS GRP 10,646 10,576 72.18 73.96 0.18 91.1890 215 UNITRIN GRP 10,240 12,675 42.62 42.97 0.18 91.3691 333 MUTUAL OF ENUMCLAW GRP 9,987 10,097 40.59 21.07 0.17 91.5392 807 COLUMBIA INS GRP 9,951 9,763 55.78 56.51 0.17 91.7193 10204 CONSUMERS INS USA INC 9,385 9,346 42.34 44.29 0.16 91.8794 14176 HASTINGS MUT INS CO 8,779 9,247 64.47 66.49 0.15 92.0295 510 NAVIGATORS GRP 8,480 7,493 98.01 101.99 0.15 92.1796 26905 CENTURY NATL INS CO 8,226 11,336 38.90 38.44 0.14 92.3197 226 MERCHANTS MUT GRP 8,082 8,249 61.94 64.84 0.14 92.4598 4254 THE WARRANTY GRP 8,082 8,082 71.49 71.88 0.14 92.5999 2538 AMTRUST FINANCIAL SERV GRP 8,009 8,900 72.24 71.14 0.14 92.73100 309 WESTERN NATL MUT 7,782 7,540 57.10 58.75 0.13 92.86101 67 MICHIGAN FARM BUREAU GRP 7,572 7,690 68.75 68.64 0.13 92.99102 324 NORTH CAROLINA FARM BUREAU GRP 7,362 7,438 69.19 69.20 0.13 93.12103 3589 MAXUM SPECIALTY INS GRP 7,337 6,545 49.21 49.43 0.13 93.25104 1285 XL AMER GRP 7,262 8,250 61.01 66.57 0.13 93.37105 984 HCC INS HOLDINGS GRP 7,141 6,213 63.63 64.76 0.12 93.50106 39381 ADRIATIC INS CO 7,078 7,509 33.22 33.22 0.12 93.62107 587 ATLANTIC AMER GRP 6,942 7,066 57.33 58.26 0.12 93.74108 26778 INTEGRAND ASSUR CO 6,937 6,240 57.08 57.69 0.12 93.86109 3179 HOME STATE INS GRP 6,709 7,172 57.45 59.36 0.12 93.98110 123 SHELTER INS GRP 6,700 6,648 51.45 51.91 0.12 94.09111 10140 OPTIMA INS CO 6,628 3,197 44.39 44.49 0.11 94.21112 783 RLI INS GRP 6,600 6,547 36.46 35.70 0.11 94.32113 23663 NATIONAL AMER INS CO 6,459 6,828 43.36 45.22 0.11 94.43114 415 PLYMOUTH ROCK INS GRP 6,440 7,338 61.92 64.11 0.11 94.54115 542 INDIANA FARM BUREAU GRP 6,256 6,196 64.68 64.79 0.11 94.65116 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 6,014 7,409 53.65 54.25 0.10 94.76117 27502 WESTERN GEN INS CO 6,005 8,178 38.99 42.36 0.10 94.86118 13528 BROTHERHOOD MUT INS CO 5,945 6,114 30.34 30.54 0.10 94.96119 767 PENNSYLVANIA MANUFACTURERS GRP 5,916 5,408 52.14 53.71 0.10 95.07120 14974 PENNSYLVANIA LUMBERMENS MUT INS 5,626 5,099 77.07 77.46 0.10 95.16121 40134 CASTLEPOINT NATL INS CO 5,621 5,211 98.27 104.23 0.10 95.26122 809 TEXAS FARM BUREAU MUT GRP 5,552 5,594 65.53 65.14 0.10 95.36123 802 CAPITAL INS GRP 5,525 5,944 46.62 46.48 0.10 95.45124 1346 AMERICAN SAFETY HOLDING GRP 5,496 5,414 27.00 47.77 0.10 95.55125 109 KENTUCKY FARM BUREAU GRP 5,466 5,422 62.75 62.98 0.09 95.64

**INDUSTRY TOTAL** 5,776,044 6,094,090 53.88 55.04 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 280 AUTO OWNERS GRP 13,299 14,062 44.09 44.72 14.75 14.752 155 PROGRESSIVE GRP 10,216 11,835 56.97 57.32 11.33 26.073 3548 TRAVELERS GRP 6,586 6,548 45.15 45.09 7.30 33.384 212 ZURICH INS GRP 4,178 4,437 62.32 63.08 4.63 38.015 176 STATE FARM GRP 3,848 3,907 63.30 63.37 4.27 42.276 262 CANAL GRP 2,802 3,128 53.58 56.52 3.11 45.387 140 NATIONWIDE CORP GRP 2,789 2,903 78.49 78.66 3.09 48.478 796 QBE INS GRP 2,697 2,785 79.95 90.92 2.99 51.469 84 AMERICAN FINANCIAL GRP 2,562 2,692 44.64 44.48 2.84 54.3010 111 LIBERTY MUT GRP 2,414 2,772 49.15 50.01 2.68 56.98

**STATE TOTAL** 90,190 94,953 58.46 59.84 100.00 100.00. .

Alaska 1 1281 BANKAMERICA CORP GRP 5,250 6,106 53.62 54.76 27.74 27.742 155 PROGRESSIVE GRP 1,797 1,835 35.51 35.43 9.50 37.243 31 BERKSHIRE HATHAWAY GRP 1,580 1,705 28.12 31.83 8.35 45.594 38733 ALASKA NATL INS CO 1,569 1,630 58.72 59.61 8.29 53.885 111 LIBERTY MUT GRP 1,380 1,350 35.34 35.59 7.29 61.176 8 ALLSTATE INS GRP 1,220 1,297 10.40 10.44 6.45 67.627 176 STATE FARM GRP 918 911 39.71 38.98 4.85 72.478 212 ZURICH INS GRP 751 811 37.54 38.21 3.97 76.449 84 AMERICAN FINANCIAL GRP 566 533 25.88 25.79 2.99 79.4310 796 QBE INS GRP 462 531 54.92 56.04 2.44 81.87

**STATE TOTAL** 18,924 19,995 43.93 44.69 100.00 100.00. .

Arizona 1 3548 TRAVELERS GRP 6,520 6,523 46.64 45.80 7.88 7.882 212 ZURICH INS GRP 6,168 7,063 37.67 37.99 7.46 15.343 280 AUTO OWNERS GRP 5,513 6,394 44.35 45.03 6.67 22.014 140 NATIONWIDE CORP GRP 4,449 5,449 44.01 42.62 5.38 27.395 155 PROGRESSIVE GRP 4,293 4,918 61.50 61.85 5.19 32.586 84 AMERICAN FINANCIAL GRP 4,195 4,382 45.77 46.11 5.07 37.657 111 LIBERTY MUT GRP 3,891 4,130 49.68 49.70 4.71 42.368 1281 BANKAMERICA CORP GRP 2,734 4,549 85.58 85.58 3.31 45.679 62 EMC INS CO GRP 2,731 2,962 40.61 40.77 3.30 48.9710 306 CUNA MUT GRP 2,497 2,594 19.53 19.53 3.02 51.99

**STATE TOTAL** 82,696 91,922 47.67 48.45 100.00 100.00. .

Arkansas 1 483 SOUTHERN FARM BUREAU CAS GRP 6,220 6,049 83.68 84.94 8.97 8.972 155 PROGRESSIVE GRP 5,763 5,938 52.43 52.48 8.31 17.283 3548 TRAVELERS GRP 5,313 5,231 61.03 61.06 7.66 24.944 212 ZURICH INS GRP 4,437 4,230 53.56 54.15 6.40 31.335 150 OLD REPUBLIC GRP 2,987 3,260 75.71 77.56 4.31 35.646 98 WR BERKLEY CORP GRP 2,831 3,142 46.75 47.73 4.08 39.727 10642 CHEROKEE INS CO 2,463 2,980 65.00 65.00 3.55 43.278 31 BERKSHIRE HATHAWAY GRP 2,092 2,419 56.44 62.02 3.02 46.299 176 STATE FARM GRP 2,048 2,064 51.67 51.67 2.95 49.2410 175 STATE AUTO MUT GRP 1,970 2,012 66.40 66.76 2.84 52.08

**STATE TOTAL** 69,356 70,947 70.20 71.71 100.00 100.00. .

California 1 1281 BANKAMERICA CORP GRP 55,035 67,711 67.15 67.70 10.15 10.152 111 LIBERTY MUT GRP 45,354 47,708 40.87 41.07 8.36 18.513 155 PROGRESSIVE GRP 42,916 47,608 54.64 55.18 7.91 26.424 212 ZURICH INS GRP 41,547 44,191 50.16 51.39 7.66 34.085 140 NATIONWIDE CORP GRP 38,620 42,234 46.47 47.69 7.12 41.206 3548 TRAVELERS GRP 34,784 35,460 55.64 54.98 6.41 47.627 93 STATE NATL GRP 24,234 30,040 46.06 53.54 4.47 52.088 796 QBE INS GRP 18,226 18,285 49.40 53.68 3.36 55.459 176 STATE FARM GRP 14,112 14,587 49.13 49.29 2.60 58.0510 660 MERCURY GEN GRP 13,881 15,264 31.54 31.56 2.56 60.61

**STATE TOTAL** 542,367 591,379 52.22 53.61 100.00 100.00. .

Colorado 1 3548 TRAVELERS GRP 12,111 12,060 47.25 46.59 11.95 11.952 212 ZURICH INS GRP 8,014 8,457 103.04 103.97 7.90 19.853 150 OLD REPUBLIC GRP 7,048 7,378 50.25 50.98 6.95 26.804 1281 BANKAMERICA CORP GRP 5,593 6,228 42.12 43.73 5.52 32.325 111 LIBERTY MUT GRP 5,183 5,575 60.32 60.49 5.11 37.43




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 155 PROGRESSIVE GRP 5,143 5,461 47.36 47.44 5.07 42.507 280 AUTO OWNERS GRP 4,656 4,863 103.62 104.32 4.59 47.108 140 NATIONWIDE CORP GRP 3,580 3,821 61.49 62.67 3.53 50.639 98 WR BERKLEY CORP GRP 3,311 3,752 61.09 62.71 3.27 53.8910 473 AMERICAN FAMILY INS GRP 3,282 3,534 53.27 53.50 3.24 57.13

**STATE TOTAL** 101,385 106,332 66.70 67.59 100.00 100.00. .

Connecticut 1 111 LIBERTY MUT GRP 8,518 8,597 58.98 59.49 14.09 14.092 3548 TRAVELERS GRP 6,877 7,056 48.32 46.31 11.38 25.473 91 HARTFORD FIRE & CAS GRP 4,648 4,916 66.94 67.41 7.69 33.164 155 PROGRESSIVE GRP 3,796 4,081 45.96 45.18 6.28 39.445 212 ZURICH INS GRP 2,764 3,196 43.73 44.57 4.57 44.026 311 MAIN STREET AMER GRP 2,373 2,428 64.02 64.48 3.93 47.947 140 NATIONWIDE CORP GRP 2,322 2,597 45.77 46.62 3.84 51.798 98 WR BERKLEY CORP GRP 1,975 1,947 66.02 66.46 3.27 55.059 796 QBE INS GRP 1,970 1,787 71.97 77.77 3.26 58.3110 253 HARLEYSVILLE GRP 1,715 1,864 46.37 47.19 2.84 61.15

**STATE TOTAL** 60,439 62,747 54.48 55.22 100.00 100.00. .

Delaware 1 3548 TRAVELERS GRP 1,268 1,340 56.79 56.25 7.99 7.992 212 ZURICH INS GRP 1,085 1,228 58.79 62.09 6.84 14.833 111 LIBERTY MUT GRP 1,000 1,025 76.72 77.98 6.31 21.144 250 DONEGAL GRP 937 919 55.44 55.94 5.91 27.055 155 PROGRESSIVE GRP 908 942 57.69 57.10 5.72 32.776 84 AMERICAN FINANCIAL GRP 807 682 27.91 29.72 5.09 37.867 228 WESTFIELD GRP 761 826 41.31 43.00 4.80 42.668 140 NATIONWIDE CORP GRP 694 742 33.76 33.80 4.38 47.039 306 CUNA MUT GRP 641 485 13.37 13.37 4.04 51.0710 242 SELECTIVE INS GRP 496 520 51.42 51.57 3.13 54.20

**STATE TOTAL** 15,862 36,429 58.17 59.36 100.00 100.00. .

District of Columbia 1 3548 TRAVELERS GRP 1,465 1,526 44.41 44.91 21.81 21.812 587 ATLANTIC AMER GRP 1,032 913 90.43 93.20 15.37 37.183 306 CUNA MUT GRP 935 896 10.81 10.81 13.91 51.094 91 HARTFORD FIRE & CAS GRP 552 581 44.00 34.12 8.22 59.315 3678 AMERICAN INDEPENDENT INS GRP 294 304 60.09 60.09 4.38 63.696 111 LIBERTY MUT GRP 218 209 33.62 34.11 3.25 66.947 38 CHUBB & SON INC GRP 193 199 22.46 21.74 2.88 69.828 677 PHILADELPHIA CONSOLIDATED HOLDING GR 169 167 46.44 46.82 2.52 72.349 213 ERIE INS GRP 161 163 27.66 27.77 2.39 74.7310 218 CNA INS GRP 159 160 68.20 72.41 2.37 77.10

**STATE TOTAL** 6,717 6,684 48.63 48.96 100.00 100.00. .

Florida 1 155 PROGRESSIVE GRP 42,481 47,489 58.93 59.28 14.67 14.672 280 AUTO OWNERS GRP 21,771 23,253 43.62 44.08 7.52 22.183 3548 TRAVELERS GRP 18,523 18,994 46.72 46.22 6.40 28.584 8 ALLSTATE INS GRP 16,330 18,388 38.08 38.99 5.64 34.225 212 ZURICH INS GRP 13,356 16,494 33.79 34.84 4.61 38.836 111 LIBERTY MUT GRP 11,358 11,987 49.92 50.69 3.92 42.757 306 CUNA MUT GRP 10,260 8,673 39.37 39.38 3.54 46.298 140 NATIONWIDE CORP GRP 9,732 10,236 45.49 49.64 3.36 49.659 474 FCCI MUT INS GRP 8,645 8,639 46.18 48.12 2.98 52.6410 176 STATE FARM GRP 8,442 8,737 48.84 48.88 2.91 55.55

**STATE TOTAL** 289,622 316,217 47.42 49.00 100.00 100.00. .

Georgia 1 561 GEORGIA FARM BUREAU GRP 16,708 17,429 51.29 51.44 10.25 10.252 155 PROGRESSIVE GRP 16,299 18,147 53.63 53.87 10.00 20.263 280 AUTO OWNERS GRP 14,578 15,552 55.94 56.24 8.95 29.214 3548 TRAVELERS GRP 12,003 12,599 67.83 67.72 7.37 36.575 176 STATE FARM GRP 6,839 7,211 51.73 51.75 4.20 40.776 111 LIBERTY MUT GRP 6,620 7,722 54.32 54.66 4.06 44.837 140 NATIONWIDE CORP GRP 5,967 6,582 47.46 47.98 3.66 48.508 212 ZURICH INS GRP 5,864 7,364 52.48 52.98 3.60 52.099 228 WESTFIELD GRP 3,769 3,639 47.34 47.83 2.31 54.4110 244 CINCINNATI FIN GRP 3,689 3,650 70.57 70.96 2.26 56.67




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 162,931 176,141 55.42 56.58 100.00 100.00. .

Hawaii 1 218 CNA INS GRP 3,889 3,975 41.87 42.36 17.79 17.792 212 ZURICH INS GRP 2,722 3,005 32.39 32.55 12.45 30.243 106 ISLAND INS CO GRP 2,677 2,798 24.01 23.73 12.24 42.484 84 AMERICAN FINANCIAL GRP 2,421 2,709 33.61 34.95 11.07 53.555 306 CUNA MUT GRP 1,233 1,283 50.54 51.02 5.64 59.186 158 FAIRFAX FIN GRP 1,199 1,255 25.40 25.54 5.49 64.677 761 ALLIANZ INS GRP 901 923 63.11 67.61 4.12 68.798 1281 BANKAMERICA CORP GRP 808 1,046 47.97 48.55 3.70 72.499 4513 AIOI INS GRP 802 726 12.28 13.85 3.67 76.1510 4684 MAIDEN HOLDINGS GRP 664 869 13.42 13.51 3.04 79.19

**STATE TOTAL** 21,866 22,980 34.83 36.02 100.00 100.00. .

Idaho 1 3548 TRAVELERS GRP 5,152 4,885 50.25 49.32 13.22 13.222 111 LIBERTY MUT GRP 3,491 3,597 45.85 45.79 8.96 22.183 212 ZURICH INS GRP 3,020 3,105 31.54 32.08 7.75 29.924 150 OLD REPUBLIC GRP 2,585 2,608 56.60 57.10 6.63 36.565 842 FARM BUREAU GRP 2,217 2,435 48.04 47.38 5.69 42.256 155 PROGRESSIVE GRP 2,074 2,234 47.72 47.70 5.32 47.577 140 NATIONWIDE CORP GRP 1,408 1,466 75.47 75.50 3.61 51.188 244 CINCINNATI FIN GRP 1,407 1,363 43.83 45.25 3.61 54.799 333 MUTUAL OF ENUMCLAW GRP 1,343 1,367 44.80 39.09 3.45 58.2410 796 QBE INS GRP 1,161 1,165 41.00 42.53 2.98 61.22

**STATE TOTAL** 38,975 40,355 45.69 45.67 100.00 100.00. .

Illinois 1 3548 TRAVELERS GRP 19,545 20,048 54.53 54.74 8.39 8.392 212 ZURICH INS GRP 10,919 11,294 53.91 55.53 4.68 13.073 153 PEKIN INS GRP 10,552 10,500 47.41 48.07 4.53 17.604 150 OLD REPUBLIC GRP 10,272 10,585 49.93 51.61 4.41 22.005 50 COUNTRY INS & FIN SERV GRP 10,129 10,212 34.28 34.31 4.35 26.356 280 AUTO OWNERS GRP 10,082 10,266 57.40 58.15 4.33 30.677 111 LIBERTY MUT GRP 8,840 9,616 53.61 53.64 3.79 34.478 155 PROGRESSIVE GRP 8,130 8,838 59.75 60.05 3.49 37.959 4254 THE WARRANTY GRP 8,068 8,068 71.79 72.24 3.46 41.4210 225 IAT REINS CO GRP 7,576 7,864 49.87 54.19 3.25 44.67

**STATE TOTAL** 233,089 240,294 55.88 57.17 100.00 100.00. .

Indiana 1 280 AUTO OWNERS GRP 12,539 12,967 47.74 48.25 9.22 9.222 3548 TRAVELERS GRP 9,810 10,291 52.82 53.16 7.22 16.443 111 LIBERTY MUT GRP 9,435 9,744 60.89 61.12 6.94 23.384 542 INDIANA FARM BUREAU GRP 5,590 5,537 64.10 64.23 4.11 27.495 155 PROGRESSIVE GRP 5,522 5,806 58.31 57.97 4.06 31.566 244 CINCINNATI FIN GRP 5,486 5,397 69.00 70.22 4.04 35.597 1281 BANKAMERICA CORP GRP 4,555 5,330 47.76 48.25 3.35 38.948 22624 INDIANA FARMERS MUT INS CO 4,167 4,305 40.16 42.51 3.07 42.019 212 ZURICH INS GRP 4,058 4,507 54.09 56.31 2.99 44.9910 84 AMERICAN FINANCIAL GRP 3,999 5,497 27.60 28.09 2.94 47.93

**STATE TOTAL** 135,937 141,170 54.37 55.58 100.00 100.00. .

Iowa 1 150 OLD REPUBLIC GRP 9,128 9,331 66.44 67.22 9.54 9.542 140 NATIONWIDE CORP GRP 7,530 7,613 79.17 79.28 7.87 17.423 3548 TRAVELERS GRP 6,053 6,429 52.80 53.08 6.33 23.754 98 WR BERKLEY CORP GRP 5,507 6,140 47.32 47.64 5.76 29.515 62 EMC INS CO GRP 5,097 5,156 72.61 73.77 5.33 34.846 280 AUTO OWNERS GRP 4,567 4,583 46.76 47.09 4.78 39.617 155 PROGRESSIVE GRP 4,416 4,386 70.14 69.85 4.62 44.238 518 GRINNELL MUT GRP 3,260 3,307 79.25 79.47 3.41 47.649 248 UNITED FIRE & CAS GRP 3,171 3,191 68.53 69.84 3.32 50.9510 244 CINCINNATI FIN GRP 3,063 3,089 75.22 76.00 3.20 54.16

**STATE TOTAL** 95,635 97,146 61.89 62.46 100.00 100.00. .

Kansas 1 140 NATIONWIDE CORP GRP 6,860 6,834 69.50 69.57 8.08 8.082 3548 TRAVELERS GRP 6,814 6,414 54.66 54.74 8.02 16.103 62 EMC INS CO GRP 6,153 5,929 66.02 65.90 7.24 23.34




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 98 WR BERKLEY CORP GRP 6,004 6,368 49.62 50.14 7.07 30.415 150 OLD REPUBLIC GRP 5,391 5,680 59.51 60.65 6.35 36.766 212 ZURICH INS GRP 4,293 4,367 67.45 68.15 5.05 41.827 84 AMERICAN FINANCIAL GRP 3,289 3,487 61.98 62.48 3.87 45.698 155 PROGRESSIVE GRP 3,082 3,000 66.33 66.37 3.63 49.329 176 STATE FARM GRP 2,882 3,091 46.51 46.82 3.39 52.7110 306 CUNA MUT GRP 2,600 2,394 35.60 35.61 3.06 55.77

**STATE TOTAL** 84,933 85,321 63.31 63.97 100.00 100.00. .

Kentucky 1 3548 TRAVELERS GRP 6,517 6,663 48.08 47.63 8.30 8.302 111 LIBERTY MUT GRP 6,301 6,522 63.14 63.99 8.03 16.333 155 PROGRESSIVE GRP 6,056 6,644 77.08 77.02 7.71 24.044 109 KENTUCKY FARM BUREAU GRP 5,466 5,422 62.75 62.98 6.96 31.005 244 CINCINNATI FIN GRP 3,529 3,720 75.69 76.56 4.49 35.506 32727 UNDERWRITERS AT LLOYDS 3,499 4,236 47.04 50.74 4.46 39.967 280 AUTO OWNERS GRP 3,354 3,395 38.64 39.00 4.27 44.238 267 GRANGE MUT CAS GRP 3,201 3,156 51.13 51.13 4.08 48.309 291 MOTORISTS MUT GRP 2,892 2,737 67.37 67.38 3.68 51.9910 228 WESTFIELD GRP 2,345 2,501 51.08 51.50 2.99 54.98

**STATE TOTAL** 78,509 82,189 61.60 62.84 100.00 100.00. .

Louisiana 1 796 QBE INS GRP 13,105 10,758 44.54 54.02 13.62 13.622 155 PROGRESSIVE GRP 10,377 10,729 47.51 47.77 10.78 24.403 3548 TRAVELERS GRP 8,793 8,780 2.73 2.29 9.14 33.534 111 LIBERTY MUT GRP 6,551 6,774 62.50 63.34 6.81 40.345 212 ZURICH INS GRP 4,581 5,154 44.29 45.32 4.76 45.106 176 STATE FARM GRP 4,553 4,635 31.17 33.28 4.73 49.837 262 CANAL GRP 2,836 2,867 50.14 53.22 2.95 52.778 361 MUNICH RE GRP 2,563 2,519 25.71 27.61 2.66 55.449 79 GMAC INS HOLDING GRP 1,929 1,929 16.14 16.14 2.00 57.4410 31 BERKSHIRE HATHAWAY GRP 1,916 1,793 33.53 39.39 1.99 59.43

**STATE TOTAL** 96,253 98,278 41.05 44.37 100.00 100.00. .

Maine 1 98 WR BERKLEY CORP GRP 4,428 4,254 44.34 44.28 14.10 14.102 111 LIBERTY MUT GRP 3,752 3,694 55.43 55.40 11.95 26.043 155 PROGRESSIVE GRP 2,942 2,762 44.24 44.29 9.37 35.414 1129 WHITE MOUNTAINS GRP 2,622 2,821 47.95 48.72 8.35 43.765 3548 TRAVELERS GRP 2,283 2,305 45.09 45.53 7.27 51.036 88 THE HANOVER INS GRP 2,273 2,288 49.71 49.92 7.24 58.277 212 ZURICH INS GRP 1,385 1,350 47.03 47.37 4.41 62.688 15997 MMG INS CO 1,262 1,298 51.47 51.59 4.02 66.699 3703 TOWER GRP 764 950 102.18 92.86 2.43 69.1310 1309 FRANKENMUTH GRP 726 615 49.90 51.86 2.31 71.44

**STATE TOTAL** 31,409 31,532 48.84 49.05 100.00 100.00. .

Maryland 1 213 ERIE INS GRP 8,489 8,731 46.20 46.50 9.28 9.282 3548 TRAVELERS GRP 8,161 8,417 50.75 51.04 8.92 18.213 155 PROGRESSIVE GRP 6,104 7,061 47.19 47.31 6.67 24.884 111 LIBERTY MUT GRP 5,203 5,475 68.53 68.92 5.69 30.575 91 HARTFORD FIRE & CAS GRP 5,099 5,148 66.18 66.65 5.58 36.156 242 SELECTIVE INS GRP 4,847 4,628 69.48 69.67 5.30 41.457 140 NATIONWIDE CORP GRP 4,227 4,455 47.95 48.23 4.62 46.078 212 ZURICH INS GRP 4,021 4,527 64.06 65.12 4.40 50.479 176 STATE FARM GRP 3,145 3,352 70.83 71.29 3.44 53.9110 306 CUNA MUT GRP 2,342 2,373 47.66 47.68 2.56 56.47

**STATE TOTAL** 91,446 97,501 55.48 56.71 100.00 100.00. .

Massachusetts 1 816 COMMERCE INC GRP 21,455 22,943 57.03 57.33 14.15 14.152 3548 TRAVELERS GRP 19,028 19,807 65.41 64.94 12.55 26.703 188 SAFETY GRP 17,370 18,713 59.49 60.30 11.45 38.154 586 ARBELLA INS GRP 12,708 13,749 61.43 62.15 8.38 46.535 88 THE HANOVER INS GRP 10,023 10,743 57.46 57.60 6.61 53.146 111 LIBERTY MUT GRP 8,283 8,432 65.82 67.22 5.46 58.607 415 PLYMOUTH ROCK INS GRP 6,383 7,307 61.91 64.11 4.21 62.818 155 PROGRESSIVE GRP 5,111 4,406 84.82 85.12 3.37 66.18




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 1129 WHITE MOUNTAINS GRP 4,654 5,284 45.80 46.02 3.07 69.2510 677 PHILADELPHIA CONSOLIDATED HOLDING GR 4,138 4,319 32.75 33.30 2.73 71.98

**STATE TOTAL** 151,644 158,488 57.83 58.71 100.00 100.00. .

Michigan 1 280 AUTO OWNERS GRP 30,223 30,622 64.41 64.23 14.95 14.952 3548 TRAVELERS GRP 13,637 12,401 49.12 48.71 6.75 21.693 155 PROGRESSIVE GRP 10,789 11,626 62.59 62.62 5.34 27.034 88 THE HANOVER INS GRP 9,603 9,983 56.31 56.50 4.75 31.785 1309 FRANKENMUTH GRP 8,951 9,207 41.56 42.26 4.43 36.216 212 ZURICH INS GRP 7,592 7,759 66.94 68.55 3.76 39.967 67 MICHIGAN FARM BUREAU GRP 7,572 7,690 68.75 68.64 3.75 43.718 111 LIBERTY MUT GRP 6,821 7,961 68.53 69.60 3.37 47.089 244 CINCINNATI FIN GRP 6,568 6,836 67.40 68.13 3.25 50.3310 14176 HASTINGS MUT INS CO 5,670 6,108 64.02 65.95 2.80 53.14

**STATE TOTAL** 202,166 208,105 60.41 61.11 100.00 100.00. .

Minnesota 1 150 OLD REPUBLIC GRP 17,277 18,668 64.55 65.89 13.75 13.752 280 AUTO OWNERS GRP 15,016 15,088 46.75 47.05 11.95 25.713 3548 TRAVELERS GRP 7,912 8,013 43.53 43.32 6.30 32.014 796 QBE INS GRP 5,700 5,876 40.73 41.69 4.54 36.555 176 STATE FARM GRP 4,542 4,511 49.09 49.08 3.62 40.166 309 WESTERN NATL MUT 4,424 4,517 48.37 49.67 3.52 43.687 155 PROGRESSIVE GRP 3,991 4,135 62.87 63.04 3.18 46.868 111 LIBERTY MUT GRP 3,694 3,675 54.05 53.14 2.94 49.809 14184 ACUITY A MUT INS CO 3,505 3,535 44.52 44.39 2.79 52.5910 518 GRINNELL MUT GRP 3,411 3,400 54.37 54.68 2.72 55.31

**STATE TOTAL** 125,608 129,492 50.28 50.91 100.00 100.00. .

Mississippi 1 155 PROGRESSIVE GRP 6,941 7,679 51.97 52.25 11.08 11.082 3548 TRAVELERS GRP 5,874 6,151 43.09 42.50 9.38 20.463 212 ZURICH INS GRP 3,851 4,557 39.32 40.35 6.15 26.614 19 ASSURANT INC GRP 3,601 3,670 31.13 31.25 5.75 32.365 262 CANAL GRP 3,476 3,776 56.50 59.31 5.55 37.916 150 OLD REPUBLIC GRP 2,648 2,254 39.13 40.54 4.23 42.147 111 LIBERTY MUT GRP 2,187 2,120 37.19 37.36 3.49 45.638 98 WR BERKLEY CORP GRP 2,100 2,068 44.15 44.29 3.35 48.999 140 NATIONWIDE CORP GRP 2,093 2,218 46.62 46.85 3.34 52.3310 62 EMC INS CO GRP 1,708 1,766 57.48 57.38 2.73 55.06

**STATE TOTAL** 62,627 64,255 46.05 47.54 100.00 100.00. .

Missouri 1 3548 TRAVELERS GRP 7,736 7,666 53.58 53.92 6.34 6.342 150 OLD REPUBLIC GRP 6,663 6,844 51.43 52.82 5.46 11.803 111 LIBERTY MUT GRP 6,061 6,240 58.66 59.37 4.97 16.764 212 ZURICH INS GRP 5,976 7,051 25.83 26.23 4.90 21.665 155 PROGRESSIVE GRP 5,547 5,550 63.81 64.01 4.54 26.206 280 AUTO OWNERS GRP 5,065 5,235 45.22 45.35 4.15 30.357 176 STATE FARM GRP 4,785 4,924 55.90 56.06 3.92 34.278 140 NATIONWIDE CORP GRP 4,739 4,998 49.75 50.08 3.88 38.159 473 AMERICAN FAMILY INS GRP 4,395 4,455 41.21 41.21 3.60 41.7510 79 GMAC INS HOLDING GRP 4,231 4,234 61.92 62.58 3.47 45.22

**STATE TOTAL** 122,070 126,754 52.17 52.97 100.00 100.00. .

Montana 1 3548 TRAVELERS GRP 6,510 6,321 53.60 51.72 15.26 15.262 150 OLD REPUBLIC GRP 5,174 5,203 46.49 47.74 12.13 27.383 111 LIBERTY MUT GRP 3,586 3,630 55.67 55.97 8.40 35.794 155 PROGRESSIVE GRP 3,361 3,714 47.72 47.85 7.88 43.665 212 ZURICH INS GRP 2,987 2,999 37.97 38.48 7.00 50.666 244 CINCINNATI FIN GRP 1,994 1,921 40.90 41.05 4.67 55.347 62 EMC INS CO GRP 1,660 1,739 41.12 42.58 3.89 59.238 140 NATIONWIDE CORP GRP 1,352 1,530 37.26 37.56 3.17 62.409 1281 BANKAMERICA CORP GRP 1,262 1,481 66.79 68.13 2.96 65.3510 214 ALLIANCE INS GRP 1,175 1,184 34.38 34.46 2.75 68.11

**STATE TOTAL** 42,669 44,028 47.08 47.78 100.00 100.00. .





StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 98 WR BERKLEY CORP GRP 5,970 6,228 43.83 44.04 9.09 23.123 3548 TRAVELERS GRP 5,557 5,595 70.17 69.84 8.46 31.584 140 NATIONWIDE CORP GRP 4,047 3,946 83.80 84.19 6.16 37.745 62 EMC INS CO GRP 3,417 3,440 53.89 53.99 5.20 42.956 79 GMAC INS HOLDING GRP 3,276 3,278 53.94 54.67 4.99 47.937 176 STATE FARM GRP 2,149 2,159 64.66 64.72 3.27 51.208 212 ZURICH INS GRP 2,134 2,241 98.77 99.81 3.25 54.459 280 AUTO OWNERS GRP 2,099 2,112 42.87 43.62 3.20 57.6510 155 PROGRESSIVE GRP 2,070 2,085 54.26 54.09 3.15 60.80

**STATE TOTAL** 65,685 65,563 60.99 61.45 100.00 100.00. .

Nevada 1 212 ZURICH INS GRP 3,367 3,723 25.21 26.98 11.07 11.072 3548 TRAVELERS GRP 3,097 3,338 43.55 42.16 10.18 21.253 155 PROGRESSIVE GRP 2,657 3,115 30.76 31.00 8.74 29.984 111 LIBERTY MUT GRP 1,902 1,911 65.42 65.71 6.25 36.245 140 NATIONWIDE CORP GRP 1,789 2,249 29.64 31.55 5.88 42.126 306 CUNA MUT GRP 1,785 1,753 27.50 27.50 5.87 47.987 796 QBE INS GRP 1,440 1,821 63.36 77.45 4.73 52.728 91 HARTFORD FIRE & CAS GRP 943 1,005 39.97 36.95 3.10 55.829 62 EMC INS CO GRP 912 972 54.30 54.26 3.00 58.8210 218 CNA INS GRP 895 1,044 34.98 45.12 2.94 61.76

**STATE TOTAL** 30,421 34,182 41.88 43.99 100.00 100.00. .

New Hampshire 1 111 LIBERTY MUT GRP 3,983 4,122 48.93 49.64 13.55 13.552 98 WR BERKLEY CORP GRP 3,689 3,742 66.64 66.97 12.55 26.093 3548 TRAVELERS GRP 2,024 2,027 44.88 43.76 6.88 32.974 1281 BANKAMERICA CORP GRP 1,593 1,630 54.36 55.28 5.42 38.395 212 ZURICH INS GRP 1,555 1,724 37.71 37.84 5.29 43.686 155 PROGRESSIVE GRP 1,488 1,523 31.47 30.38 5.06 48.747 88 THE HANOVER INS GRP 1,481 1,487 51.01 51.13 5.04 53.788 226 MERCHANTS MUT GRP 850 850 94.84 98.63 2.89 56.679 311 MAIN STREET AMER GRP 807 899 78.27 78.39 2.75 59.4210 15997 MMG INS CO 783 774 46.47 46.85 2.66 62.08

**STATE TOTAL** 29,402 30,338 52.94 53.63 100.00 100.00. .

New Jersey 1 155 PROGRESSIVE GRP 13,010 14,475 46.27 46.51 8.20 8.202 111 LIBERTY MUT GRP 11,999 11,883 63.25 63.26 7.57 15.773 3548 TRAVELERS GRP 11,960 11,862 51.96 51.46 7.54 23.314 708 NEW JERSEY MANUFACTURERS GRP 11,695 12,208 52.29 53.05 7.38 30.695 242 SELECTIVE INS GRP 11,292 11,665 51.61 51.70 7.12 37.816 212 ZURICH INS GRP 9,606 10,234 35.64 37.48 6.06 43.877 8 ALLSTATE INS GRP 6,946 7,486 43.71 44.45 4.38 48.258 253 HARLEYSVILLE GRP 6,103 6,358 45.53 45.97 3.85 52.109 91 HARTFORD FIRE & CAS GRP 5,937 6,129 60.54 63.52 3.74 55.8410 408 AMERICAN NATL FIN GRP 3,834 3,918 55.32 55.91 2.42 58.26

**STATE TOTAL** 158,573 167,496 52.21 53.69 100.00 100.00. .

New Mexico 1 3548 TRAVELERS GRP 3,861 3,859 44.81 44.84 9.24 9.242 212 ZURICH INS GRP 3,334 3,600 55.74 56.49 7.98 17.223 155 PROGRESSIVE GRP 2,718 2,859 36.11 35.80 6.50 23.724 111 LIBERTY MUT GRP 2,637 2,728 50.55 51.18 6.31 30.035 791 MOUNTAIN STATES INS CO GRP 2,307 2,492 27.27 28.57 5.52 35.556 150 OLD REPUBLIC GRP 2,058 2,135 40.78 41.05 4.92 40.477 1281 BANKAMERICA CORP GRP 2,003 2,994 49.22 50.47 4.79 45.278 19 ASSURANT INC GRP 1,851 1,138 98.64 98.64 4.43 49.709 306 CUNA MUT GRP 1,689 1,364 65.72 65.73 4.04 53.7410 140 NATIONWIDE CORP GRP 1,508 1,630 63.60 63.93 3.61 57.35

**STATE TOTAL** 41,792 43,072 48.14 48.95 100.00 100.00. .

New York 1 3548 TRAVELERS GRP 21,872 23,027 39.40 38.89 8.70 8.702 8 ALLSTATE INS GRP 14,039 15,252 36.25 36.84 5.58 14.283 111 LIBERTY MUT GRP 13,666 14,155 55.35 55.80 5.43 19.724 155 PROGRESSIVE GRP 13,272 13,501 47.91 48.11 5.28 24.995 201 UTICA GRP 13,138 13,218 24.25 26.34 5.22 30.226 84 AMERICAN FINANCIAL GRP 12,003 7,924 47.51 47.73 4.77 34.99




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 91 HARTFORD FIRE & CAS GRP 11,180 11,503 47.19 41.74 4.45 39.448 212 ZURICH INS GRP 9,549 9,794 55.66 57.06 3.80 43.249 677 PHILADELPHIA CONSOLIDATED HOLDING GR 7,287 7,028 45.81 46.23 2.90 46.1410 311 MAIN STREET AMER GRP 6,896 7,077 55.68 55.77 2.74 48.88

**STATE TOTAL** 251,448 259,944 46.37 47.34 100.00 100.00. .

North Carolina 1 3548 TRAVELERS GRP 8,993 9,790 58.64 58.21 6.39 6.392 280 AUTO OWNERS GRP 8,590 8,875 48.98 49.33 6.11 12.503 212 ZURICH INS GRP 8,437 9,652 35.53 35.99 6.00 18.504 213 ERIE INS GRP 7,476 7,895 45.14 45.33 5.32 23.825 324 NORTH CAROLINA FARM BUREAU GRP 7,362 7,438 69.19 69.20 5.23 29.056 140 NATIONWIDE CORP GRP 6,714 7,679 49.59 50.06 4.77 33.837 111 LIBERTY MUT GRP 5,596 5,725 59.56 60.08 3.98 37.808 361 MUNICH RE GRP 5,435 5,398 65.22 68.80 3.86 41.679 262 CANAL GRP 5,276 5,832 37.57 40.26 3.75 45.4210 155 PROGRESSIVE GRP 5,191 5,640 48.69 48.69 3.69 49.11

**STATE TOTAL** 140,638 151,409 50.70 51.63 100.00 100.00. .

North Dakota 1 150 OLD REPUBLIC GRP 5,446 5,290 74.16 76.11 16.23 16.232 280 AUTO OWNERS GRP 2,366 2,422 47.04 47.16 7.05 23.283 140 NATIONWIDE CORP GRP 2,172 2,136 48.96 49.08 6.47 29.764 3548 TRAVELERS GRP 1,990 2,026 66.71 66.78 5.93 35.695 62 EMC INS CO GRP 1,739 1,670 50.19 50.18 5.18 40.876 79 GMAC INS HOLDING GRP 1,297 1,571 37.29 37.74 3.86 44.747 14184 ACUITY A MUT INS CO 1,295 1,225 51.15 51.25 3.86 48.608 98 WR BERKLEY CORP GRP 1,213 1,294 57.86 58.68 3.61 52.219 796 QBE INS GRP 1,027 1,146 52.47 53.61 3.06 55.2710 244 CINCINNATI FIN GRP 1,016 1,009 44.05 44.57 3.03 58.30

**STATE TOTAL** 33,551 33,185 58.77 59.43 100.00 100.00. .

Ohio 1 244 CINCINNATI FIN GRP 13,534 14,125 52.75 53.83 7.70 7.702 228 WESTFIELD GRP 13,306 13,488 57.58 58.72 7.57 15.273 3548 TRAVELERS GRP 11,407 11,541 44.50 44.48 6.49 21.754 155 PROGRESSIVE GRP 10,947 11,920 44.53 44.48 6.23 27.985 84 AMERICAN FINANCIAL GRP 10,742 9,652 51.62 52.06 6.11 34.096 280 AUTO OWNERS GRP 9,779 10,251 36.42 37.04 5.56 39.657 140 NATIONWIDE CORP GRP 8,315 8,332 57.09 57.83 4.73 44.388 111 LIBERTY MUT GRP 8,131 8,461 58.20 58.84 4.62 49.009 291 MOTORISTS MUT GRP 7,938 7,993 54.24 54.33 4.51 53.5210 213 ERIE INS GRP 5,726 5,942 51.28 52.35 3.26 56.78

**STATE TOTAL** 175,822 181,104 51.43 52.40 100.00 100.00. .

Oklahoma 1 3548 TRAVELERS GRP 9,664 9,514 51.93 52.36 10.65 10.652 155 PROGRESSIVE GRP 7,800 8,408 55.03 55.20 8.60 19.253 212 ZURICH INS GRP 6,874 6,831 64.16 64.98 7.58 26.834 84 AMERICAN FINANCIAL GRP 6,046 6,304 39.39 39.78 6.67 33.505 150 OLD REPUBLIC GRP 4,839 4,980 65.97 66.64 5.33 38.836 111 LIBERTY MUT GRP 3,874 4,111 42.21 41.86 4.27 43.117 79 GMAC INS HOLDING GRP 3,589 3,589 269.78 272.46 3.96 47.068 23663 NATIONAL AMER INS CO 3,310 3,388 38.65 39.80 3.65 50.719 176 STATE FARM GRP 3,233 3,230 52.08 53.16 3.56 54.2810 660 MERCURY GEN GRP 3,201 3,390 34.79 34.89 3.53 57.81

**STATE TOTAL** 90,699 92,658 64.32 65.65 100.00 100.00. .

Oregon 1 111 LIBERTY MUT GRP 11,071 11,920 42.60 44.06 17.94 17.942 212 ZURICH INS GRP 8,784 9,078 43.08 44.04 14.23 32.173 3548 TRAVELERS GRP 5,814 5,717 42.78 42.18 9.42 41.594 150 OLD REPUBLIC GRP 3,278 3,464 63.00 63.99 5.31 46.905 155 PROGRESSIVE GRP 2,987 3,237 43.27 42.60 4.84 51.756 333 MUTUAL OF ENUMCLAW GRP 2,596 2,686 38.45 30.97 4.21 55.957 796 QBE INS GRP 1,827 1,825 59.81 61.65 2.96 58.918 1281 BANKAMERICA CORP GRP 1,651 2,221 45.24 46.26 2.68 61.599 176 STATE FARM GRP 1,459 1,452 50.61 50.66 2.36 63.9510 140 NATIONWIDE CORP GRP 1,257 1,353 67.09 66.98 2.04 65.99

**STATE TOTAL** 61,713 65,413 46.26 46.77 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%



2 867 BALDWIN & LYONS GRP 26,250 26,250 41.78 43.62 9.59 21.303 3548 TRAVELERS GRP 18,736 19,707 49.34 48.88 6.85 28.154 212 ZURICH INS GRP 15,277 16,160 51.86 52.81 5.58 33.735 155 PROGRESSIVE GRP 14,578 15,863 55.24 55.18 5.33 39.066 140 NATIONWIDE CORP GRP 13,434 14,179 42.23 44.41 4.91 43.977 111 LIBERTY MUT GRP 11,692 12,138 64.04 64.53 4.27 48.248 242 SELECTIVE INS GRP 9,541 9,160 69.39 69.49 3.49 51.739 253 HARLEYSVILLE GRP 7,587 7,797 65.95 65.91 2.77 54.5010 244 CINCINNATI FIN GRP 7,416 7,606 67.89 69.18 2.71 57.21

**STATE TOTAL** 273,609 284,136 53.27 54.29 100.00 100.00. .

Rhode Island 1 3548 TRAVELERS GRP 1,777 1,918 70.79 67.82 10.68 10.682 155 PROGRESSIVE GRP 1,589 1,749 59.04 59.17 9.55 20.233 111 LIBERTY MUT GRP 1,136 1,166 54.56 54.29 6.83 27.054 242 SELECTIVE INS GRP 1,100 1,113 74.85 75.47 6.61 33.665 212 ZURICH INS GRP 927 960 68.19 69.02 5.57 39.246 62 EMC INS CO GRP 840 887 52.99 52.79 5.05 44.297 253 HARLEYSVILLE GRP 664 676 71.10 71.23 3.99 48.288 140 NATIONWIDE CORP GRP 549 594 46.03 47.56 3.30 51.589 408 AMERICAN NATL FIN GRP 547 567 53.97 53.99 3.28 54.8610 91 HARTFORD FIRE & CAS GRP 494 551 99.31 98.62 2.97 57.83

**STATE TOTAL** 16,641 17,434 60.23 61.01 100.00 100.00. .

South Carolina 1 19 ASSURANT INC GRP 8,914 7,947 19.11 19.09 11.62 11.622 280 AUTO OWNERS GRP 7,226 7,595 38.04 38.36 9.42 21.033 111 LIBERTY MUT GRP 4,971 5,209 53.34 53.46 6.48 27.514 155 PROGRESSIVE GRP 4,278 4,706 55.81 55.56 5.58 33.095 3548 TRAVELERS GRP 3,938 3,702 42.48 41.39 5.13 38.226 212 ZURICH INS GRP 3,563 4,154 38.68 39.39 4.64 42.867 140 NATIONWIDE CORP GRP 2,723 2,930 44.66 45.74 3.55 46.418 176 STATE FARM GRP 2,175 2,263 41.79 41.47 2.83 49.259 91 HARTFORD FIRE & CAS GRP 2,025 2,121 58.78 57.34 2.64 51.8810 150 OLD REPUBLIC GRP 1,612 1,922 44.37 47.92 2.10 53.99

**STATE TOTAL** 76,734 81,072 46.34 47.41 100.00 100.00. .

South Dakota 1 1281 BANKAMERICA CORP GRP 24,577 30,699 79.51 80.64 43.26 43.262 150 OLD REPUBLIC GRP 6,249 6,424 56.84 57.50 11.00 54.263 280 AUTO OWNERS GRP 2,982 2,988 45.78 45.96 5.25 59.514 98 WR BERKLEY CORP GRP 1,860 1,936 44.97 46.17 3.27 62.785 14184 ACUITY A MUT INS CO 1,837 1,870 51.53 51.51 3.23 66.016 140 NATIONWIDE CORP GRP 1,825 1,840 55.98 56.12 3.21 69.237 3548 TRAVELERS GRP 1,649 1,694 42.99 43.05 2.90 72.138 796 QBE INS GRP 1,157 1,161 23.71 23.12 2.04 74.169 248 UNITED FIRE & CAS GRP 1,009 1,008 59.36 59.34 1.78 75.9410 176 STATE FARM GRP 948 943 74.80 74.82 1.67 77.61

**STATE TOTAL** 56,814 63,480 68.29 69.03 100.00 100.00. .

Tennessee 1 158 FAIRFAX FIN GRP 21,346 21,348 62.73 67.18 16.16 16.162 3548 TRAVELERS GRP 8,718 8,952 49.37 48.57 6.60 22.763 280 AUTO OWNERS GRP 7,647 7,842 49.61 49.93 5.79 28.554 150 OLD REPUBLIC GRP 6,684 7,062 48.57 50.80 5.06 33.615 111 LIBERTY MUT GRP 6,077 6,239 66.62 67.30 4.60 38.216 155 PROGRESSIVE GRP 5,846 6,460 66.06 65.98 4.42 42.637 10642 CHEROKEE INS CO 5,050 5,310 43.83 43.83 3.82 46.458 84 AMERICAN FINANCIAL GRP 4,530 4,872 42.38 43.16 3.43 49.889 694 TENNESSEE FARMERS GRP 4,063 4,074 39.21 39.44 3.08 52.9610 212 ZURICH INS GRP 3,679 4,085 69.23 70.23 2.78 55.74

**STATE TOTAL** 132,107 138,801 54.67 56.20 100.00 100.00. .

Texas 1 212 ZURICH INS GRP 50,373 53,430 61.51 63.11 11.02 11.022 155 PROGRESSIVE GRP 44,858 47,372 51.65 51.79 9.81 20.823 3548 TRAVELERS GRP 26,143 26,178 66.22 66.11 5.72 26.544 111 LIBERTY MUT GRP 24,501 25,530 61.26 61.98 5.36 31.90




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 3489 DELEK GRP 24,013 27,016 48.88 49.29 5.25 37.156 176 STATE FARM GRP 21,267 21,751 59.61 59.70 4.65 41.807 150 OLD REPUBLIC GRP 15,787 16,278 62.11 63.23 3.45 45.258 84 AMERICAN FINANCIAL GRP 15,609 17,129 61.19 62.37 3.41 48.679 225 IAT REINS CO GRP 15,477 15,396 88.76 94.83 3.38 52.0510 140 NATIONWIDE CORP GRP 13,887 14,248 52.05 55.15 3.04 55.09

**STATE TOTAL** 457,297 477,538 62.23 63.77 100.00 100.00. .

Utah 1 140 NATIONWIDE CORP GRP 8,924 8,484 61.51 64.00 13.02 13.022 1281 BANKAMERICA CORP GRP 7,828 8,200 36.01 36.42 11.42 24.443 3548 TRAVELERS GRP 6,040 5,784 56.75 56.44 8.81 33.264 212 ZURICH INS GRP 5,307 5,796 41.94 42.44 7.74 41.005 280 AUTO OWNERS GRP 5,042 5,342 44.45 45.05 7.36 48.366 111 LIBERTY MUT GRP 4,073 4,353 77.48 79.57 5.94 54.307 150 OLD REPUBLIC GRP 4,033 4,097 66.93 67.56 5.89 60.198 867 BALDWIN & LYONS GRP 2,680 2,676 39.96 41.17 3.91 64.109 796 QBE INS GRP 2,042 2,055 11.99 12.42 2.98 67.0810 155 PROGRESSIVE GRP 1,948 2,358 54.51 55.26 2.84 69.92

**STATE TOTAL** 68,534 71,444 51.04 52.16 100.00 100.00. .

Vermont 1 155 PROGRESSIVE GRP 2,572 2,636 49.81 49.82 14.07 14.072 111 LIBERTY MUT GRP 2,217 2,172 42.40 42.35 12.13 26.203 98 WR BERKLEY CORP GRP 1,920 1,961 51.26 51.20 10.50 36.704 3548 TRAVELERS GRP 1,119 1,141 30.71 30.61 6.12 42.825 244 CINCINNATI FIN GRP 992 955 46.27 46.87 5.43 48.256 140 NATIONWIDE CORP GRP 901 924 41.46 42.02 4.93 53.187 408 AMERICAN NATL FIN GRP 803 810 51.16 51.11 4.39 57.578 15997 MMG INS CO 752 769 53.25 53.20 4.11 61.689 212 ZURICH INS GRP 695 905 18.57 18.51 3.80 65.4810 796 QBE INS GRP 607 604 7.60 8.33 3.32 68.80

**STATE TOTAL** 18,281 18,781 47.44 47.05 100.00 100.00. .

Virginia 1 155 PROGRESSIVE GRP 9,971 10,979 62.44 62.52 8.37 8.372 213 ERIE INS GRP 9,385 9,750 47.29 47.42 7.88 16.253 3548 TRAVELERS GRP 8,515 8,759 46.14 45.68 7.15 23.394 140 NATIONWIDE CORP GRP 8,112 8,655 46.43 49.43 6.81 30.205 212 ZURICH INS GRP 5,119 5,153 51.11 52.05 4.30 34.506 1281 BANKAMERICA CORP GRP 4,453 5,771 51.63 52.78 3.74 38.237 242 SELECTIVE INS GRP 4,366 4,426 73.67 73.83 3.66 41.908 244 CINCINNATI FIN GRP 4,047 4,257 64.81 65.47 3.40 45.299 111 LIBERTY MUT GRP 3,895 4,124 49.43 48.65 3.27 48.5610 91 HARTFORD FIRE & CAS GRP 3,723 3,942 65.50 68.34 3.13 51.69

**STATE TOTAL** 119,149 124,568 53.57 54.60 100.00 100.00. .

Washington 1 111 LIBERTY MUT GRP 14,344 15,035 47.99 49.66 13.69 13.692 1281 BANKAMERICA CORP GRP 13,986 15,453 53.42 55.85 13.34 27.033 212 ZURICH INS GRP 11,863 12,505 41.78 42.47 11.32 38.354 3548 TRAVELERS GRP 9,271 9,431 47.50 47.44 8.85 47.205 150 OLD REPUBLIC GRP 6,493 6,859 63.17 64.12 6.20 53.396 333 MUTUAL OF ENUMCLAW GRP 5,874 5,875 40.24 11.07 5.60 59.007 155 PROGRESSIVE GRP 4,532 5,140 47.84 47.88 4.32 63.328 796 QBE INS GRP 3,418 3,328 -102.87 -95.50 3.26 66.589 140 NATIONWIDE CORP GRP 2,674 2,951 47.80 47.77 2.55 69.1310 218 CNA INS GRP 2,023 1,999 77.18 81.26 1.93 71.06

**STATE TOTAL** 104,801 111,149 45.56 45.46 100.00 100.00. .

West Virginia 1 3548 TRAVELERS GRP 5,228 5,174 36.28 35.75 13.88 13.882 213 ERIE INS GRP 4,107 4,206 41.14 41.46 10.91 24.793 228 WESTFIELD GRP 3,521 3,508 53.87 55.04 9.35 34.144 140 NATIONWIDE CORP GRP 3,068 3,292 50.39 52.09 8.15 42.295 155 PROGRESSIVE GRP 2,125 2,227 51.45 51.53 5.64 47.936 361 MUNICH RE GRP 1,775 1,734 57.17 60.57 4.71 52.657 43958 COMMERCE PROTECTIVE INS CO 1,533 1,480 63.65 65.68 4.07 56.728 175 STATE AUTO MUT GRP 1,347 1,376 38.84 39.33 3.58 60.299 212 ZURICH INS GRP 1,203 1,270 37.18 37.46 3.19 63.49




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 176 STATE FARM GRP 1,117 1,121 48.21 47.83 2.97 66.46**STATE TOTAL** 37,657 39,199 50.68 51.61 100.00 100.00

. .Wisconsin 1 14184 ACUITY A MUT INS CO 11,952 12,130 41.76 41.88 8.97 8.97

2 150 OLD REPUBLIC GRP 9,006 9,180 55.85 56.99 6.76 15.733 796 QBE INS GRP 8,911 9,087 48.96 48.93 6.69 22.424 3548 TRAVELERS GRP 8,855 9,029 51.28 52.02 6.65 29.075 1243 WEST BEND MUT GRP 8,452 8,698 50.11 50.23 6.34 35.416 280 AUTO OWNERS GRP 5,488 5,530 54.72 55.17 4.12 39.537 15091 RURAL MUT INS CO 4,302 4,365 47.46 48.12 3.23 42.768 1281 BANKAMERICA CORP GRP 4,262 4,300 50.29 50.86 3.20 45.969 111 LIBERTY MUT GRP 3,820 4,026 52.78 54.02 2.87 48.8310 212 ZURICH INS GRP 3,817 4,116 63.40 63.89 2.86 51.69

**STATE TOTAL** 133,226 135,341 51.56 52.15 100.00 100.00. .

Wyoming 1 3548 TRAVELERS GRP 4,397 4,412 56.81 57.61 15.77 15.772 150 OLD REPUBLIC GRP 3,604 3,978 59.74 60.70 12.93 28.703 111 LIBERTY MUT GRP 2,964 3,016 40.41 40.58 10.63 39.334 212 ZURICH INS GRP 2,503 2,608 48.71 49.10 8.98 48.315 155 PROGRESSIVE GRP 2,093 2,310 39.67 39.41 7.51 55.826 140 NATIONWIDE CORP GRP 1,434 1,454 42.61 42.65 5.15 60.967 62 EMC INS CO GRP 1,074 1,109 30.41 30.28 3.85 64.818 306 CUNA MUT GRP 884 831 47.24 47.24 3.17 67.989 8 ALLSTATE INS GRP 718 788 32.52 32.40 2.57 70.5610 4683 MOUNTAIN WEST FARM GRP 637 647 98.21 102.66 2.29 72.85

**STATE TOTAL** 27,877 28,933 48.96 49.44 100.00 100.00. .

Guam 1 18380 PACIFIC IND INS CO 1,047 1,051 25.09 26.88 34.63 34.632 12633 CENTURY INS CO GU LTD 772 771 20.70 20.92 25.54 60.173 13597 CHUNG KUO INS CO LTD 622 604 42.19 47.47 20.60 80.774 4672 DONGBU INS GRP 473 524 15.28 16.80 15.66 96.435 10972 FIRST NET INS CO 93 100 24.19 27.56 3.06 99.49

**STATE TOTAL** 3,022 3,079 25.53 27.59 100.00 100.00. .

Puerto Rico 1 71 UNIVERSAL INS CO GRP 20,611 24,621 49.22 49.20 28.35 28.352 411 MAPFRE INS GRP 13,941 21,069 54.98 55.86 19.18 47.533 40568 TRIPLE S PROPIEDAD INC 11,929 15,490 49.08 51.83 16.41 63.934 26778 INTEGRAND ASSUR CO 6,935 6,239 57.09 57.70 9.54 73.475 10140 OPTIMA INS CO 6,628 3,197 44.39 44.49 9.12 82.596 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 6,007 7,397 53.28 53.86 8.26 90.857 343 NATIONAL INS CO GRP 2,734 2,842 57.70 67.90 3.76 94.618 12 AMERICAN INTL GRP 2,320 3,101 32.06 35.92 3.19 97.809 10308 ANTILLES INS CO 684 1,245 35.48 37.92 0.94 98.7410 12565 CONTINENTAL RISK INS CO 570 342 51.47 51.47 0.78 99.53

**STATE TOTAL** 72,704 86,213 50.63 51.95 100.00 100.00. .

U.S. Virgin Islands 1 17779 GUARDIAN INS CO INC 775 832 24.91 24.91 63.88 63.882 161 TOPA EQUITIES LTD GRP 287 320 47.92 51.57 23.63 87.513 35858 COMPANION INC 114 0 N/A N/A 9.41 96.914 411 MAPFRE INS GRP 10 10 0.00 0.00 0.81 97.725 12 AMERICAN INTL GRP 8 8 2.43 2.43 0.62 98.346 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 7 12 291.76 300.30 0.61 98.957 12588 PRIME INS CO 6 6 0.00 0.00 0.51 99.478 218 CNA INS GRP 3 2 0.00 0.00 0.21 99.689 626 ACE LTD GRP 2 3 18.77 18.77 0.16 99.84

**STATE TOTAL** 1,214 1,195 35.20 36.26 100.00 100.00. .


**STATE TOTAL** 110 128 29.77 35.21 100.00 100.00. .

Canada 1 3548 TRAVELERS GRP 12,082 11,961 54.42 60.42 30.08 30.082 79 GMAC INS HOLDING GRP 5,924 5,924 37.20 37.97 14.75 44.833 111 LIBERTY MUT GRP 5,577 4,991 91.89 103.93 13.88 58.714 218 CNA INS GRP 5,157 5,250 63.01 66.66 12.84 71.55




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 176 STATE FARM GRP 4,937 5,019 82.60 83.89 12.29 83.846 761 ALLIANZ INS GRP 4,002 9,106 0.09 0.10 9.96 93.807 10499 CHRYSLER INS CO 1,721 1,733 19.66 22.22 4.29 98.098 1279 ARCH INS GRP 515 354 80.24 89.14 1.28 99.379 91 HARTFORD FIRE & CAS GRP 151 158 29.46 31.29 0.38 99.7510 38 CHUBB & SON INC GRP 50 48 19.03 18.66 0.12 99.87

**STATE TOTAL** 40,169 44,586 48.61 52.43 100.00 100.00. .

Aggregate Other Alien 1 3548 TRAVELERS GRP 498 434 29.34 32.08 48.42 48.422 98 WR BERKLEY CORP GRP 256 280 -53.57 -53.57 24.84 73.263 38 CHUBB & SON INC GRP 108 131 -152.97 -153.29 10.49 83.754 4672 DONGBU INS GRP 82 83 -24.34 -24.59 7.94 91.695 10972 FIRST NET INS CO 74 77 35.43 38.37 7.20 98.90

**STATE TOTAL** 1,029 1,014 102.43 193.99 100.00 100.00. .




Total Commercial Auto



States, U.S. Territories, Canada, and Aggregate Other AlienTotal Commercial Auto



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 3548 TRAVELERS GRP 2,013,836 2,053,421 43.03 45.21 8.18 8.182 212 ZURICH INS GRP 1,647,590 1,696,296 43.24 48.24 6.69 14.883 111 LIBERTY MUT GRP 1,609,250 1,690,365 50.03 53.49 6.54 21.414 155 PROGRESSIVE GRP 1,552,023 1,646,852 55.26 58.07 6.31 27.725 12 AMERICAN INTL GRP 1,119,420 1,171,253 59.77 67.57 4.55 32.276 140 NATIONWIDE CORP GRP 959,617 1,001,489 59.41 63.88 3.90 36.167 150 OLD REPUBLIC GRP 675,460 696,089 58.39 64.79 2.74 38.918 280 AUTO OWNERS GRP 566,205 581,782 64.00 67.03 2.30 41.219 91 HARTFORD FIRE & CAS GRP 547,889 574,738 51.38 52.26 2.23 43.4310 176 STATE FARM GRP 497,304 506,587 59.75 64.73 2.02 45.4611 98 WR BERKLEY CORP GRP 469,885 523,559 61.60 66.46 1.91 47.3612 796 QBE INS GRP 464,969 471,238 48.89 55.56 1.89 49.2513 218 CNA INS GRP 462,045 478,017 67.86 74.20 1.88 51.1314 84 AMERICAN FINANCIAL GRP 426,163 443,556 48.92 53.09 1.73 52.8615 244 CINCINNATI FIN GRP 388,949 394,322 54.48 57.91 1.58 54.4416 8 ALLSTATE INS GRP 384,748 413,558 41.60 44.35 1.56 56.0117 626 ACE LTD GRP 326,801 336,258 47.56 55.52 1.33 57.3318 677 PHILADELPHIA CONSOLIDATED HOLDING GR 316,676 301,456 76.96 86.41 1.29 58.6219 213 ERIE INS GRP 301,070 304,452 43.38 46.83 1.22 59.8420 242 SELECTIVE INS GRP 296,134 298,379 59.84 62.60 1.20 61.0521 93 STATE NATL GRP 262,609 252,044 61.92 68.59 1.07 62.1122 169 SENTRY INS GRP 245,990 268,426 91.34 97.14 1.00 63.1123 253 HARLEYSVILLE GRP 229,378 236,187 49.48 53.20 0.93 64.0424 88 THE HANOVER INS GRP 226,382 223,686 52.16 55.04 0.92 64.9625 62 EMC INS CO GRP 220,120 222,360 53.28 56.27 0.89 65.8626 31 BERKSHIRE HATHAWAY GRP 216,771 224,445 35.36 41.76 0.88 66.7427 225 IAT REINS CO GRP 214,315 227,867 56.65 67.81 0.87 67.6128 228 WESTFIELD GRP 212,940 209,137 53.67 58.42 0.87 68.4729 38 CHUBB & SON INC GRP 209,146 221,439 48.15 47.16 0.85 69.3230 1281 BANKAMERICA CORP GRP 164,419 233,607 62.52 63.56 0.67 69.9931 1279 ARCH INS GRP 159,920 160,816 50.35 52.89 0.65 70.6432 361 MUNICH RE GRP 159,908 157,321 45.77 53.26 0.65 71.2933 457 ARGONAUT GRP 159,849 165,519 53.72 63.01 0.65 71.9434 7 FEDERATED MUT GRP 156,430 166,711 33.23 39.19 0.64 72.5835 14184 ACUITY A MUT INS CO 152,104 154,860 49.41 53.17 0.62 73.1936 262 CANAL GRP 151,878 176,404 84.70 92.11 0.62 73.8137 79 GMAC INS HOLDING GRP 145,725 150,623 68.00 70.10 0.59 74.4038 158 FAIRFAX FIN GRP 145,200 169,758 76.15 81.12 0.59 74.9939 456 LANCER FINANCIAL GRP 144,386 153,044 26.41 33.85 0.59 75.5840 175 STATE AUTO MUT GRP 136,241 137,459 47.84 51.94 0.55 76.1341 16616 AMERICAN TRANSIT INS CO 131,490 134,049 69.14 84.90 0.53 76.6742 1129 WHITE MOUNTAINS GRP 131,083 136,856 50.70 54.35 0.53 77.2043 201 UTICA GRP 116,527 120,274 40.18 46.25 0.47 77.6744 748 MEADOWBROOK INS GRP 114,252 111,460 55.58 63.97 0.46 78.1445 3489 DELEK GRP 114,101 125,411 57.24 64.43 0.46 78.6046 1120 EVEREST REINS HOLDINGS GRP 110,727 104,763 77.90 83.67 0.45 79.0547 3703 TOWER GRP 110,110 98,974 54.62 58.11 0.45 79.5048 291 MOTORISTS MUT GRP 109,253 110,670 42.92 57.38 0.44 79.9449 21172 VANLINER INS CO 102,645 93,981 55.84 64.23 0.42 80.3650 306 CUNA MUT GRP 99,657 95,634 47.54 47.58 0.40 80.7651 248 UNITED FIRE & CAS GRP 98,313 100,226 62.30 66.82 0.40 81.1652 311 MAIN STREET AMER GRP 98,073 101,242 52.44 54.29 0.40 81.5653 474 FCCI MUT INS GRP 95,255 95,028 52.85 59.19 0.39 81.9554 660 MERCURY GEN GRP 93,491 99,034 44.14 55.49 0.38 82.3355 124 AMERISURE CO GRP 91,258 92,856 39.56 42.64 0.37 82.7056 408 AMERICAN NATL FIN GRP 91,138 94,566 60.99 65.44 0.37 83.0757 816 COMMERCE INC GRP 88,312 91,025 28.17 28.86 0.36 83.4358 4381 LIGHTYEAR DELOS GRP 87,786 72,445 58.30 69.53 0.36 83.7859 2538 AMTRUST FINANCIAL SERV GRP 80,922 93,389 75.84 81.39 0.33 84.1160 1243 WEST BEND MUT GRP 79,386 80,940 36.84 37.89 0.32 84.4461 271 PENNSYLVANIA NATL INS GRP 79,125 81,563 48.06 52.94 0.32 84.7662 761 ALLIANZ INS GRP 78,273 79,934 24.42 34.64 0.32 85.0863 267 GRANGE MUT CAS GRP 75,066 73,470 45.19 47.76 0.30 85.3864 10642 CHEROKEE INS CO 70,162 70,065 74.11 86.63 0.29 85.6765 1326 KINGSWAY GRP 68,773 138,075 114.27 134.88 0.28 85.94




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 188 SAFETY GRP 67,228 70,754 45.64 48.74 0.27 86.2267 473 AMERICAN FAMILY INS GRP 64,041 67,142 62.36 67.18 0.26 86.4868 586 ARBELLA INS GRP 59,559 63,100 45.18 46.41 0.24 86.7269 3098 TOKIO MARINE HOLDINGS INC GRP 58,413 61,290 6.80 24.08 0.24 86.9670 867 BALDWIN & LYONS GRP 57,534 59,204 38.88 41.60 0.23 87.1971 1285 XL AMER GRP 57,522 66,687 32.47 35.90 0.23 87.4272 708 NEW JERSEY MANUFACTURERS GRP 56,150 58,679 92.11 94.63 0.23 87.6573 4695 HEREFORD HOLDING GRP 55,787 57,507 48.55 54.58 0.23 87.8874 226 MERCHANTS MUT GRP 53,865 54,326 44.18 51.42 0.22 88.1075 3495 INFINITY PROP & CAS INS GRP 53,632 47,766 59.71 64.41 0.22 88.3276 1309 FRANKENMUTH GRP 49,923 48,931 57.41 61.71 0.20 88.5277 36 CENTRAL MUT INS CO GRP 49,775 50,102 47.50 51.15 0.20 88.7278 96 SECURA INS GRP 48,444 46,020 44.46 47.63 0.20 88.9279 215 UNITRIN GRP 48,314 58,090 52.72 60.38 0.20 89.1180 783 RLI INS GRP 47,919 51,203 27.30 34.72 0.19 89.3181 18767 CHURCH MUT INS CO 47,118 47,760 49.17 50.65 0.19 89.5082 153 PEKIN INS GRP 40,466 39,737 45.29 44.82 0.16 89.6783 250 DONEGAL GRP 39,929 40,086 46.86 50.27 0.16 89.8384 10499 CHRYSLER INS CO 39,583 44,490 30.88 35.64 0.16 89.9985 40134 CASTLEPOINT NATL INS CO 38,857 36,495 93.51 107.74 0.16 90.1586 785 MARKEL CORP GRP 38,842 48,796 55.96 64.30 0.16 90.3087 3478 HALLMARK FIN SERV GRP 38,637 28,968 51.27 57.29 0.16 90.4688 411 MAPFRE INS GRP 38,265 50,307 46.89 48.60 0.16 90.6289 20613 SPARTA INS CO 38,090 28,122 66.10 71.62 0.15 90.7790 88625 FIDUCIARY INS CO OF AMER 37,730 37,921 36.39 66.82 0.15 90.9291 324 NORTH CAROLINA FARM BUREAU GRP 37,177 37,676 61.82 63.04 0.15 91.0892 71 UNIVERSAL INS CO GRP 36,930 41,381 44.13 42.40 0.15 91.2393 50 COUNTRY INS & FIN SERV GRP 36,028 37,161 55.13 56.35 0.15 91.3794 26905 CENTURY NATL INS CO 35,337 41,219 41.95 48.69 0.14 91.5295 561 GEORGIA FARM BUREAU GRP 34,832 35,661 60.73 62.29 0.14 91.6696 802 CAPITAL INS GRP 34,526 35,740 48.77 52.54 0.14 91.8097 4684 MAIDEN HOLDINGS GRP 34,278 36,415 61.01 61.64 0.14 91.9498 807 COLUMBIA INS GRP 33,923 33,749 52.13 55.45 0.14 92.0799 19 ASSURANT INC GRP 33,133 32,084 38.00 38.05 0.13 92.21100 14974 PENNSYLVANIA LUMBERMENS MUT INS 32,848 29,442 23.31 24.87 0.13 92.34101 309 WESTERN NATL MUT 32,611 31,519 57.27 59.68 0.13 92.47102 3179 HOME STATE INS GRP 32,082 35,303 46.60 54.15 0.13 92.60103 513 IOWA FARM BUREAU GRP 31,864 31,535 53.25 54.02 0.13 92.73104 333 MUTUAL OF ENUMCLAW GRP 31,537 31,811 55.73 59.70 0.13 92.86105 767 PENNSYLVANIA MANUFACTURERS GRP 30,451 30,078 43.74 46.08 0.12 92.99106 11092 GLOBAL LIBERTY INS CO OF NY 30,209 31,058 38.73 51.62 0.12 93.11107 415 PLYMOUTH ROCK INS GRP 29,025 32,430 64.96 69.85 0.12 93.23108 518 GRINNELL MUT GRP 28,643 29,205 57.20 57.10 0.12 93.34109 3589 MAXUM SPECIALTY INS GRP 27,757 24,022 58.14 59.09 0.11 93.46110 483 SOUTHERN FARM BUREAU CAS GRP 27,206 27,340 56.04 59.53 0.11 93.57111 848 ARI INS CO GRP 26,718 28,045 86.30 91.14 0.11 93.68112 14176 HASTINGS MUT INS CO 26,533 27,041 46.44 48.93 0.11 93.78113 1114 MERCER INS GRP 26,311 25,603 38.08 39.61 0.11 93.89114 303 GUIDEONE INS GRP 25,173 26,452 23.30 30.01 0.10 93.99115 11118 FEDERATED RURAL ELECTRIC INS EXCH 25,127 25,322 59.64 65.05 0.10 94.09116 40568 TRIPLE S PROPIEDAD INC 25,115 29,557 53.17 55.67 0.10 94.20117 781 UNION LABOR GRP 24,680 22,110 62.12 64.54 0.10 94.30118 23663 NATIONAL AMER INS CO 23,935 26,518 54.05 56.67 0.10 94.39119 866 WESTERN WORLD GRP 23,374 24,748 68.22 72.38 0.09 94.49120 21261 ELECTRIC INS CO 21,127 21,131 66.98 74.08 0.09 94.57121 67 MICHIGAN FARM BUREAU GRP 20,848 20,960 93.81 97.93 0.08 94.66122 161 TOPA EQUITIES LTD GRP 20,818 22,894 65.25 71.05 0.08 94.74123 10204 CONSUMERS INS USA INC 20,703 20,595 92.84 100.76 0.08 94.83124 1331 GLENCOE US HOLDINGS GRP 20,596 29,539 49.40 63.50 0.08 94.91125 43265 GRAMERCY INS CO 20,425 19,616 48.93 52.50 0.08 94.99

**INDUSTRY TOTAL** 24,614,500 25,514,691 53.07 58.27 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 155 PROGRESSIVE GRP 36,701 40,935 39.67 41.89 9.90 9.902 280 AUTO OWNERS GRP 34,572 36,252 65.82 70.15 9.32 19.223 3548 TRAVELERS GRP 26,147 26,314 32.07 31.98 7.05 26.274 212 ZURICH INS GRP 22,463 23,160 27.28 30.00 6.06 32.335 12 AMERICAN INTL GRP 17,350 18,139 126.97 152.40 4.68 37.016 111 LIBERTY MUT GRP 13,565 15,474 34.43 38.11 3.66 40.677 176 STATE FARM GRP 11,836 11,986 85.40 102.10 3.19 43.868 262 CANAL GRP 11,644 13,044 69.45 80.02 3.14 47.009 140 NATIONWIDE CORP GRP 11,598 12,413 76.97 86.45 3.13 50.1310 796 QBE INS GRP 11,377 12,728 49.15 60.46 3.07 53.20

**STATE TOTAL** 370,791 387,933 54.58 61.01 100.00 100.00. .

Alaska 1 38733 ALASKA NATL INS CO 9,518 9,879 28.93 29.91 13.51 13.512 155 PROGRESSIVE GRP 7,512 7,603 28.27 28.86 10.66 24.173 31 BERKSHIRE HATHAWAY GRP 6,922 7,343 27.37 30.87 9.83 34.004 111 LIBERTY MUT GRP 6,534 6,511 75.07 83.71 9.27 43.285 1281 BANKAMERICA CORP GRP 5,250 6,106 53.62 54.76 7.45 50.736 212 ZURICH INS GRP 4,256 4,345 45.39 48.17 6.04 56.777 12 AMERICAN INTL GRP 3,220 3,159 44.44 48.71 4.57 61.348 140 NATIONWIDE CORP GRP 2,921 2,878 55.24 59.62 4.15 65.499 84 AMERICAN FINANCIAL GRP 2,805 2,643 26.89 31.90 3.98 69.4710 626 ACE LTD GRP 2,607 2,760 85.55 95.02 3.70 73.17

**STATE TOTAL** 70,448 72,329 42.96 47.27 100.00 100.00. .

Arizona 1 212 ZURICH INS GRP 40,389 42,330 28.50 30.02 10.62 10.622 3548 TRAVELERS GRP 30,313 30,838 49.88 50.80 7.97 18.603 140 NATIONWIDE CORP GRP 27,695 31,953 50.74 53.05 7.28 25.884 111 LIBERTY MUT GRP 22,598 24,201 31.33 34.76 5.94 31.825 155 PROGRESSIVE GRP 19,488 21,748 54.20 54.99 5.13 36.956 280 AUTO OWNERS GRP 18,149 20,533 47.36 50.61 4.77 41.727 150 OLD REPUBLIC GRP 12,938 13,145 43.40 47.14 3.40 45.138 62 EMC INS CO GRP 12,661 13,719 37.14 36.73 3.33 48.469 244 CINCINNATI FIN GRP 9,835 10,171 37.01 41.63 2.59 51.0410 91 HARTFORD FIRE & CAS GRP 9,692 10,663 39.90 43.99 2.55 53.59

**STATE TOTAL** 380,194 407,428 44.90 48.74 100.00 100.00. .

Arkansas 1 3548 TRAVELERS GRP 19,772 19,512 50.65 53.44 7.68 7.682 155 PROGRESSIVE GRP 18,760 19,261 48.06 49.79 7.29 14.983 212 ZURICH INS GRP 16,939 16,964 36.50 41.46 6.58 21.564 10642 CHEROKEE INS CO 14,503 10,217 73.56 81.71 5.64 27.205 150 OLD REPUBLIC GRP 11,887 12,972 44.82 48.53 4.62 31.826 12 AMERICAN INTL GRP 10,964 11,654 29.70 30.81 4.26 36.087 98 WR BERKLEY CORP GRP 10,530 11,369 54.98 61.64 4.09 40.178 483 SOUTHERN FARM BUREAU CAS GRP 10,341 10,098 74.49 76.71 4.02 44.199 111 LIBERTY MUT GRP 8,487 9,005 44.68 53.26 3.30 47.4910 31 BERKSHIRE HATHAWAY GRP 7,957 8,773 34.79 36.08 3.09 50.58

**STATE TOTAL** 257,299 259,839 57.97 62.82 100.00 100.00. .

California 1 212 ZURICH INS GRP 259,303 266,720 35.87 40.49 10.46 10.462 111 LIBERTY MUT GRP 219,360 236,304 48.60 52.03 8.85 19.303 3548 TRAVELERS GRP 186,501 189,125 25.77 28.17 7.52 26.824 155 PROGRESSIVE GRP 177,810 188,997 48.60 52.84 7.17 33.995 140 NATIONWIDE CORP GRP 176,974 182,513 53.28 57.44 7.14 41.136 12 AMERICAN INTL GRP 110,505 120,186 60.82 70.51 4.46 45.587 796 QBE INS GRP 88,681 88,344 44.79 47.52 3.58 49.168 660 MERCURY GEN GRP 65,551 68,938 43.48 52.73 2.64 51.809 91 HARTFORD FIRE & CAS GRP 63,495 67,738 33.10 33.45 2.56 54.3610 176 STATE FARM GRP 61,851 63,012 61.00 68.12 2.49 56.86

**STATE TOTAL** 2,480,040 2,592,321 48.26 53.88 100.00 100.00. .

Colorado 1 3548 TRAVELERS GRP 49,536 49,654 36.25 35.49 13.35 13.352 212 ZURICH INS GRP 34,295 35,165 50.55 53.20 9.24 22.593 150 OLD REPUBLIC GRP 21,108 22,109 59.23 63.49 5.69 28.274 155 PROGRESSIVE GRP 19,996 20,952 53.39 55.93 5.39 33.665 12 AMERICAN INTL GRP 16,311 17,093 21.71 25.40 4.39 38.05




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 111 LIBERTY MUT GRP 15,854 20,050 40.47 41.03 4.27 42.337 140 NATIONWIDE CORP GRP 15,487 16,354 52.95 56.49 4.17 46.508 98 WR BERKLEY CORP GRP 14,102 15,840 36.66 38.32 3.80 50.309 91 HARTFORD FIRE & CAS GRP 13,586 14,446 46.80 47.30 3.66 53.9610 280 AUTO OWNERS GRP 13,321 13,490 90.62 98.26 3.59 57.55

**STATE TOTAL** 371,171 389,833 51.06 54.50 100.00 100.00. .

Connecticut 1 111 LIBERTY MUT GRP 46,310 46,614 53.18 54.63 14.09 14.092 3548 TRAVELERS GRP 38,149 38,809 51.93 50.99 11.61 25.693 91 HARTFORD FIRE & CAS GRP 23,599 27,105 43.51 38.99 7.18 32.874 155 PROGRESSIVE GRP 19,247 20,020 32.54 33.54 5.86 38.735 212 ZURICH INS GRP 16,576 18,161 47.46 55.34 5.04 43.776 12 AMERICAN INTL GRP 13,805 16,643 47.14 54.85 4.20 47.977 98 WR BERKLEY CORP GRP 11,576 12,060 43.92 51.12 3.52 51.498 311 MAIN STREET AMER GRP 11,498 11,865 50.22 52.42 3.50 54.999 140 NATIONWIDE CORP GRP 11,062 12,316 52.43 56.43 3.37 58.3510 253 HARLEYSVILLE GRP 10,195 10,927 53.93 59.30 3.10 61.45

**STATE TOTAL** 328,724 341,198 49.67 52.53 100.00 100.00. .

Delaware 1 84 AMERICAN FINANCIAL GRP 8,410 7,009 23.86 27.68 9.43 9.432 111 LIBERTY MUT GRP 6,518 6,727 60.37 62.40 7.31 16.743 3548 TRAVELERS GRP 6,115 6,501 72.74 71.52 6.86 23.604 212 ZURICH INS GRP 5,888 6,312 60.55 72.59 6.60 30.215 155 PROGRESSIVE GRP 4,624 4,834 80.68 85.30 5.19 35.406 12 AMERICAN INTL GRP 4,618 4,836 71.84 89.24 5.18 40.587 250 DONEGAL GRP 4,497 4,343 47.87 48.91 5.04 45.628 253 HARLEYSVILLE GRP 4,078 4,198 75.21 80.53 4.57 50.199 140 NATIONWIDE CORP GRP 3,722 4,025 55.46 56.02 4.17 54.3710 228 WESTFIELD GRP 3,582 3,755 79.48 83.57 4.02 58.39

**STATE TOTAL** 89,149 110,660 65.45 70.99 100.00 100.00. .

District of Columbia 1 3548 TRAVELERS GRP 7,323 7,300 36.55 39.59 18.11 18.112 12 AMERICAN INTL GRP 3,877 4,784 84.26 97.24 9.59 27.693 13293 AMALGAMATED CAS INS CO 3,140 3,136 40.89 45.68 7.76 35.464 2778 VFH CAPTIVE GRP 2,594 2,577 54.96 57.65 6.41 41.875 91 HARTFORD FIRE & CAS GRP 2,540 2,630 99.21 106.56 6.28 48.156 677 PHILADELPHIA CONSOLIDATED HOLDING GR 1,867 1,719 71.72 80.22 4.62 52.777 111 LIBERTY MUT GRP 1,655 1,763 24.63 24.89 4.09 56.868 3385 ANACOSTIA HOLDING GRP 1,351 1,351 18.11 49.08 3.34 60.209 587 ATLANTIC AMER GRP 1,056 959 88.12 90.93 2.61 62.8110 150 OLD REPUBLIC GRP 1,043 1,055 75.39 83.37 2.58 65.39

**STATE TOTAL** 40,444 41,092 50.85 57.35 100.00 100.00. .

Florida 1 155 PROGRESSIVE GRP 206,323 223,825 68.40 70.95 13.37 13.372 3548 TRAVELERS GRP 117,359 120,943 47.85 52.15 7.61 20.983 280 AUTO OWNERS GRP 100,741 107,062 60.91 63.10 6.53 27.514 212 ZURICH INS GRP 93,990 103,673 46.62 53.20 6.09 33.615 111 LIBERTY MUT GRP 79,751 82,346 46.54 50.07 5.17 38.786 12 AMERICAN INTL GRP 66,206 70,449 70.09 80.66 4.29 43.077 8 ALLSTATE INS GRP 64,436 71,079 53.73 61.02 4.18 47.248 140 NATIONWIDE CORP GRP 59,805 61,238 61.81 68.65 3.88 51.129 474 FCCI MUT INS GRP 50,530 50,097 47.48 51.79 3.28 54.4010 176 STATE FARM GRP 38,749 39,564 72.48 79.36 2.51 56.91

**STATE TOTAL** 1,542,618 1,623,660 56.76 63.15 100.00 100.00. .

Georgia 1 155 PROGRESSIVE GRP 69,172 75,162 64.16 66.62 9.70 9.702 3548 TRAVELERS GRP 60,062 62,430 44.56 45.50 8.42 18.113 280 AUTO OWNERS GRP 45,377 46,059 67.82 72.27 6.36 24.484 212 ZURICH INS GRP 37,430 41,067 44.61 48.30 5.25 29.725 561 GEORGIA FARM BUREAU GRP 34,832 35,661 60.73 62.29 4.88 34.606 111 LIBERTY MUT GRP 32,615 38,347 45.00 46.98 4.57 39.187 140 NATIONWIDE CORP GRP 25,661 27,502 80.03 85.49 3.60 42.778 12 AMERICAN INTL GRP 24,382 25,020 56.45 61.77 3.42 46.199 176 STATE FARM GRP 22,313 23,047 65.82 72.23 3.13 49.3210 244 CINCINNATI FIN GRP 17,472 17,341 59.07 61.85 2.45 51.77




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 713,415 749,468 60.14 64.65 100.00 100.00. .

Hawaii 1 218 CNA INS GRP 19,989 20,679 42.17 42.49 18.61 18.612 106 ISLAND INS CO GRP 15,043 15,669 18.73 19.35 14.01 32.623 84 AMERICAN FINANCIAL GRP 13,455 14,977 22.19 23.44 12.53 45.144 212 ZURICH INS GRP 11,922 12,627 10.96 12.62 11.10 56.245 158 FAIRFAX FIN GRP 8,702 8,967 27.06 32.29 8.10 64.346 761 ALLIANZ INS GRP 4,424 4,607 89.31 97.64 4.12 68.467 4672 DONGBU INS GRP 3,528 2,955 33.33 36.53 3.28 71.758 3548 TRAVELERS GRP 3,214 2,964 10.10 14.03 2.99 74.749 12 AMERICAN INTL GRP 3,056 2,654 13.92 20.12 2.85 77.5910 88 THE HANOVER INS GRP 2,471 1,787 28.43 36.10 2.30 79.89

**STATE TOTAL** 107,407 110,776 27.58 30.03 100.00 100.00. .

Idaho 1 3548 TRAVELERS GRP 15,383 14,901 47.84 49.42 11.93 11.932 111 LIBERTY MUT GRP 13,554 14,150 43.22 43.88 10.51 22.453 212 ZURICH INS GRP 9,641 9,546 15.01 16.22 7.48 29.924 150 OLD REPUBLIC GRP 8,120 7,554 63.67 99.54 6.30 36.225 155 PROGRESSIVE GRP 7,294 7,517 62.02 64.81 5.66 41.886 842 FARM BUREAU GRP 7,115 7,621 34.22 34.76 5.52 47.407 140 NATIONWIDE CORP GRP 5,342 5,518 72.93 74.57 4.14 51.548 244 CINCINNATI FIN GRP 5,119 4,984 28.61 31.54 3.97 55.519 333 MUTUAL OF ENUMCLAW GRP 3,876 3,944 -7.58 -11.81 3.01 58.5210 796 QBE INS GRP 3,555 3,543 38.00 39.56 2.76 61.28

**STATE TOTAL** 128,926 131,767 38.39 42.05 100.00 100.00. .

Illinois 1 3548 TRAVELERS GRP 73,609 76,615 44.03 46.66 7.78 7.782 212 ZURICH INS GRP 62,406 63,193 42.16 48.07 6.59 14.373 12 AMERICAN INTL GRP 59,028 62,902 68.97 76.75 6.24 20.614 111 LIBERTY MUT GRP 43,525 46,066 36.77 39.30 4.60 25.215 150 OLD REPUBLIC GRP 40,980 42,171 56.57 62.87 4.33 29.536 225 IAT REINS CO GRP 33,387 35,446 35.27 40.54 3.53 33.067 280 AUTO OWNERS GRP 29,176 29,399 45.50 49.00 3.08 36.148 244 CINCINNATI FIN GRP 28,427 29,513 55.56 61.48 3.00 39.159 153 PEKIN INS GRP 28,235 27,942 45.21 44.94 2.98 42.1310 155 PROGRESSIVE GRP 27,256 29,421 56.67 60.32 2.88 45.01

**STATE TOTAL** 946,510 989,000 54.20 59.26 100.00 100.00. .

Indiana 1 111 LIBERTY MUT GRP 42,646 44,643 55.92 55.75 8.76 8.762 3548 TRAVELERS GRP 38,161 40,051 33.92 36.25 7.84 16.603 280 AUTO OWNERS GRP 33,593 34,259 64.25 68.62 6.90 23.504 212 ZURICH INS GRP 24,239 24,360 34.22 38.46 4.98 28.485 244 CINCINNATI FIN GRP 22,347 22,909 43.77 44.94 4.59 33.076 12 AMERICAN INTL GRP 19,607 16,903 191.91 196.57 4.03 37.107 155 PROGRESSIVE GRP 19,044 19,756 46.58 48.78 3.91 41.018 140 NATIONWIDE CORP GRP 16,649 15,815 64.02 67.16 3.42 44.439 150 OLD REPUBLIC GRP 14,571 14,123 66.06 72.59 2.99 47.4210 542 INDIANA FARM BUREAU GRP 12,646 12,554 65.18 66.98 2.60 50.02

**STATE TOTAL** 486,792 501,277 51.78 55.14 100.00 100.00. .

Iowa 1 150 OLD REPUBLIC GRP 26,736 26,843 70.59 74.49 10.33 10.332 140 NATIONWIDE CORP GRP 24,748 25,747 73.67 77.06 9.56 19.893 62 EMC INS CO GRP 18,981 19,333 53.97 56.54 7.33 27.224 98 WR BERKLEY CORP GRP 15,754 17,293 94.76 103.89 6.09 33.305 155 PROGRESSIVE GRP 12,112 11,969 54.39 55.64 4.68 37.986 248 UNITED FIRE & CAS GRP 10,951 10,989 47.14 49.09 4.23 42.217 212 ZURICH INS GRP 9,981 9,658 27.41 29.29 3.86 46.078 244 CINCINNATI FIN GRP 9,470 9,558 46.77 48.45 3.66 49.739 280 AUTO OWNERS GRP 9,343 9,299 29.57 30.40 3.61 53.3410 14184 ACUITY A MUT INS CO 7,617 7,482 41.44 34.59 2.94 56.28

**STATE TOTAL** 258,885 266,095 63.21 66.26 100.00 100.00. .

Kansas 1 3548 TRAVELERS GRP 20,985 20,156 38.26 40.56 8.87 8.872 140 NATIONWIDE CORP GRP 20,172 20,203 66.25 68.05 8.52 17.393 62 EMC INS CO GRP 16,896 16,589 44.55 45.84 7.14 24.53




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 150 OLD REPUBLIC GRP 15,908 16,943 49.19 54.35 6.72 31.255 98 WR BERKLEY CORP GRP 15,225 16,001 31.29 30.84 6.43 37.686 212 ZURICH INS GRP 13,987 14,467 31.83 34.57 5.91 43.597 155 PROGRESSIVE GRP 9,118 9,064 44.32 44.99 3.85 47.448 111 LIBERTY MUT GRP 8,768 9,003 29.76 29.19 3.70 51.149 84 AMERICAN FINANCIAL GRP 7,253 7,580 64.03 67.73 3.06 54.2110 12 AMERICAN INTL GRP 6,162 5,977 41.66 46.71 2.60 56.81

**STATE TOTAL** 236,701 237,535 53.47 55.60 100.00 100.00. .

Kentucky 1 111 LIBERTY MUT GRP 32,082 33,284 46.80 49.10 10.20 10.202 3548 TRAVELERS GRP 30,436 30,291 29.67 32.34 9.68 19.883 155 PROGRESSIVE GRP 24,590 26,909 60.24 61.90 7.82 27.704 212 ZURICH INS GRP 13,971 14,286 36.04 41.77 4.44 32.145 244 CINCINNATI FIN GRP 13,415 14,003 66.38 70.04 4.27 36.416 12 AMERICAN INTL GRP 13,254 12,624 21.42 25.75 4.21 40.627 109 KENTUCKY FARM BUREAU GRP 11,981 11,965 52.83 54.68 3.81 44.438 267 GRANGE MUT CAS GRP 11,852 11,776 39.77 42.67 3.77 48.209 291 MOTORISTS MUT GRP 9,849 9,466 64.32 81.04 3.13 51.3310 280 AUTO OWNERS GRP 9,661 9,643 50.73 56.22 3.07 54.41

**STATE TOTAL** 314,476 323,734 55.06 59.99 100.00 100.00. .

Louisiana 1 3548 TRAVELERS GRP 58,283 60,246 63.56 69.09 10.90 10.902 796 QBE INS GRP 50,590 41,819 41.73 51.89 9.46 20.363 111 LIBERTY MUT GRP 47,861 49,076 76.15 83.69 8.95 29.314 155 PROGRESSIVE GRP 45,407 46,985 64.39 68.44 8.49 37.805 212 ZURICH INS GRP 43,409 44,806 62.40 74.01 8.12 45.926 12 AMERICAN INTL GRP 36,199 38,975 97.51 115.69 6.77 52.697 176 STATE FARM GRP 19,917 20,152 46.31 57.27 3.72 56.418 262 CANAL GRP 15,498 16,421 105.13 115.29 2.90 59.319 218 CNA INS GRP 15,093 9,804 93.17 100.91 2.82 62.1310 248 UNITED FIRE & CAS GRP 11,455 11,563 56.38 62.57 2.14 64.28

**STATE TOTAL** 534,744 539,148 74.63 84.95 100.00 100.00. .

Maine 1 98 WR BERKLEY CORP GRP 15,098 15,108 41.96 44.13 13.10 13.102 111 LIBERTY MUT GRP 13,738 13,377 45.35 46.60 11.92 25.033 1129 WHITE MOUNTAINS GRP 12,105 13,075 41.36 42.74 10.50 35.534 88 THE HANOVER INS GRP 9,475 9,314 39.12 40.78 8.22 43.755 155 PROGRESSIVE GRP 9,236 8,727 41.17 42.21 8.01 51.776 3548 TRAVELERS GRP 8,879 8,886 34.71 38.51 7.71 59.477 212 ZURICH INS GRP 4,463 4,374 33.04 37.30 3.87 63.358 15997 MMG INS CO 4,085 4,158 23.12 23.26 3.55 66.899 140 NATIONWIDE CORP GRP 2,731 2,960 20.08 22.89 2.37 69.2610 3703 TOWER GRP 2,698 3,225 82.57 78.30 2.34 71.60

**STATE TOTAL** 115,229 116,264 42.85 45.67 100.00 100.00. .

Maryland 1 213 ERIE INS GRP 39,266 39,998 34.43 36.89 8.90 8.902 3548 TRAVELERS GRP 36,293 37,175 62.00 63.60 8.22 17.123 111 LIBERTY MUT GRP 31,468 32,483 57.40 59.14 7.13 24.254 155 PROGRESSIVE GRP 29,370 32,796 48.95 50.26 6.65 30.905 212 ZURICH INS GRP 26,018 27,998 53.40 60.21 5.89 36.806 91 HARTFORD FIRE & CAS GRP 23,992 25,477 45.98 46.63 5.44 42.237 242 SELECTIVE INS GRP 23,229 23,540 65.80 68.62 5.26 47.508 140 NATIONWIDE CORP GRP 21,770 22,340 47.33 48.71 4.93 52.439 12 AMERICAN INTL GRP 16,915 16,715 73.66 78.88 3.83 56.2610 176 STATE FARM GRP 11,915 12,463 69.59 78.67 2.70 58.96

**STATE TOTAL** 441,378 460,659 55.20 58.85 100.00 100.00. .

Massachusetts 1 3548 TRAVELERS GRP 85,962 88,252 58.25 59.87 13.09 13.092 816 COMMERCE INC GRP 80,299 83,366 30.01 30.82 12.23 25.323 188 SAFETY GRP 67,228 70,754 45.64 48.74 10.24 35.554 586 ARBELLA INS GRP 56,264 60,204 45.55 46.62 8.57 44.125 88 THE HANOVER INS GRP 39,527 42,332 55.79 57.84 6.02 50.146 111 LIBERTY MUT GRP 35,929 36,781 53.38 55.40 5.47 55.617 415 PLYMOUTH ROCK INS GRP 28,702 32,257 65.01 69.92 4.37 59.988 155 PROGRESSIVE GRP 21,699 18,975 67.68 71.45 3.30 63.28




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 12 AMERICAN INTL GRP 20,203 22,076 26.77 29.64 3.08 66.3610 98 WR BERKLEY CORP GRP 19,740 20,049 35.66 37.39 3.01 69.37

**STATE TOTAL** 656,736 677,356 47.81 50.26 100.00 100.00. .

Michigan 1 280 AUTO OWNERS GRP 71,475 71,901 111.29 113.33 11.80 11.802 212 ZURICH INS GRP 35,798 34,655 52.07 57.97 5.91 17.713 3548 TRAVELERS GRP 29,996 27,079 91.15 93.30 4.95 22.664 155 PROGRESSIVE GRP 29,909 31,471 75.08 77.85 4.94 27.605 12 AMERICAN INTL GRP 28,677 24,439 102.70 119.45 4.73 32.336 88 THE HANOVER INS GRP 27,460 28,449 43.67 45.14 4.53 36.867 10642 CHEROKEE INS CO 25,931 26,427 65.82 80.19 4.28 41.148 111 LIBERTY MUT GRP 21,987 25,496 54.29 56.87 3.63 44.779 67 MICHIGAN FARM BUREAU GRP 20,848 20,960 93.81 97.93 3.44 48.2110 1309 FRANKENMUTH GRP 19,116 19,004 56.95 60.76 3.16 51.37

**STATE TOTAL** 605,819 615,208 69.11 74.13 100.00 100.00. .

Minnesota 1 150 OLD REPUBLIC GRP 47,266 51,226 64.78 69.50 11.55 11.552 280 AUTO OWNERS GRP 35,844 35,907 56.57 58.03 8.76 20.313 3548 TRAVELERS GRP 28,009 29,170 23.50 22.98 6.84 27.154 111 LIBERTY MUT GRP 18,002 17,805 56.81 58.02 4.40 31.555 212 ZURICH INS GRP 16,602 16,280 10.45 11.26 4.06 35.616 309 WESTERN NATL MUT 16,471 16,723 53.59 56.83 4.02 39.637 796 QBE INS GRP 16,068 16,687 31.39 31.23 3.93 43.568 155 PROGRESSIVE GRP 13,317 13,715 52.06 54.21 3.25 46.819 140 NATIONWIDE CORP GRP 12,897 14,403 49.07 51.78 3.15 49.9610 98 WR BERKLEY CORP GRP 11,378 12,278 43.69 48.80 2.78 52.74

**STATE TOTAL** 409,260 421,930 48.03 50.55 100.00 100.00. .

Mississippi 1 3548 TRAVELERS GRP 30,484 31,158 38.16 39.84 11.24 11.242 155 PROGRESSIVE GRP 28,930 31,504 52.71 55.95 10.67 21.913 212 ZURICH INS GRP 19,520 21,155 24.80 30.08 7.20 29.104 262 CANAL GRP 14,375 16,239 95.91 105.74 5.30 34.405 111 LIBERTY MUT GRP 11,646 10,808 48.34 53.06 4.29 38.706 98 WR BERKLEY CORP GRP 11,517 11,358 47.64 52.54 4.25 42.947 140 NATIONWIDE CORP GRP 9,262 10,148 67.71 72.59 3.41 46.368 150 OLD REPUBLIC GRP 8,961 8,443 54.47 63.44 3.30 49.669 12 AMERICAN INTL GRP 8,890 9,493 11.88 18.45 3.28 52.9410 474 FCCI MUT INS GRP 8,346 8,263 8.96 7.52 3.08 56.02

**STATE TOTAL** 271,219 278,399 48.09 53.49 100.00 100.00. .

Missouri 1 3548 TRAVELERS GRP 40,554 40,056 41.08 43.82 8.97 8.972 111 LIBERTY MUT GRP 27,743 29,352 41.14 43.24 6.14 15.113 212 ZURICH INS GRP 27,526 29,087 112.22 119.27 6.09 21.204 150 OLD REPUBLIC GRP 22,424 23,370 45.58 50.76 4.96 26.165 140 NATIONWIDE CORP GRP 20,421 21,365 37.73 41.50 4.52 30.686 155 PROGRESSIVE GRP 18,359 18,258 46.79 48.35 4.06 34.747 626 ACE LTD GRP 15,864 16,070 5.73 8.49 3.51 38.258 98 WR BERKLEY CORP GRP 14,460 17,398 46.82 49.11 3.20 41.459 12 AMERICAN INTL GRP 13,582 15,107 31.61 43.79 3.01 44.4610 244 CINCINNATI FIN GRP 13,529 13,441 55.23 59.84 2.99 47.45

**STATE TOTAL** 451,955 468,473 53.76 57.88 100.00 100.00. .

Montana 1 3548 TRAVELERS GRP 17,942 17,718 39.88 39.55 14.51 14.512 111 LIBERTY MUT GRP 12,026 12,156 47.24 51.74 9.73 24.243 150 OLD REPUBLIC GRP 10,787 10,853 49.48 51.66 8.72 32.964 155 PROGRESSIVE GRP 10,246 11,094 48.35 49.09 8.29 41.255 212 ZURICH INS GRP 8,630 8,398 27.39 32.82 6.98 48.236 244 CINCINNATI FIN GRP 6,719 6,465 36.74 43.87 5.43 53.667 62 EMC INS CO GRP 5,078 5,164 56.40 61.20 4.11 57.778 140 NATIONWIDE CORP GRP 4,700 4,992 50.30 54.11 3.80 61.579 796 QBE INS GRP 3,110 2,563 74.31 85.46 2.52 64.0810 214 ALLIANCE INS GRP 3,025 3,194 38.05 43.79 2.45 66.53

**STATE TOTAL** 123,654 125,927 51.62 55.21 100.00 100.00. .





StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 3548 TRAVELERS GRP 18,054 17,811 37.66 38.38 9.82 23.503 98 WR BERKLEY CORP GRP 13,526 14,267 42.19 40.65 7.35 30.864 140 NATIONWIDE CORP GRP 12,838 12,397 49.67 50.69 6.98 37.835 62 EMC INS CO GRP 10,687 10,732 61.04 64.58 5.81 43.646 212 ZURICH INS GRP 7,328 7,649 62.90 66.61 3.98 47.637 155 PROGRESSIVE GRP 6,304 6,326 71.27 70.52 3.43 51.068 225 IAT REINS CO GRP 4,876 4,510 67.08 71.36 2.65 53.719 111 LIBERTY MUT GRP 4,725 4,800 34.32 36.66 2.57 56.2810 280 AUTO OWNERS GRP 4,307 4,295 48.92 52.43 2.34 58.62

**STATE TOTAL** 183,937 183,098 52.80 55.44 100.00 100.00. .

Nevada 1 212 ZURICH INS GRP 19,021 20,437 37.12 48.63 9.73 9.732 111 LIBERTY MUT GRP 17,889 16,844 61.67 67.76 9.15 18.873 3548 TRAVELERS GRP 16,138 17,642 51.76 59.20 8.25 27.124 155 PROGRESSIVE GRP 14,258 16,092 55.25 60.67 7.29 34.415 140 NATIONWIDE CORP GRP 9,960 11,661 90.08 99.18 5.09 39.516 12 AMERICAN INTL GRP 8,779 8,469 0.99 12.06 4.49 44.007 19020 BELL UNITED INS CO 8,068 8,068 66.27 69.61 4.13 48.128 62 EMC INS CO GRP 7,524 7,906 90.79 96.93 3.85 51.979 218 CNA INS GRP 7,421 7,962 60.39 60.08 3.79 55.7610 796 QBE INS GRP 6,769 8,096 46.02 56.58 3.46 59.22

**STATE TOTAL** 195,574 205,354 64.51 72.65 100.00 100.00. .

New Hampshire 1 111 LIBERTY MUT GRP 15,081 15,462 42.78 47.22 13.66 13.662 98 WR BERKLEY CORP GRP 14,644 14,943 57.39 58.78 13.27 26.933 3548 TRAVELERS GRP 8,363 8,268 30.92 34.49 7.58 34.514 212 ZURICH INS GRP 5,747 6,113 32.91 36.19 5.21 39.715 155 PROGRESSIVE GRP 5,554 5,289 43.09 44.36 5.03 44.746 88 THE HANOVER INS GRP 5,352 5,371 35.03 36.38 4.85 49.597 1129 WHITE MOUNTAINS GRP 3,585 3,991 67.21 70.18 3.25 52.848 226 MERCHANTS MUT GRP 3,316 3,293 60.45 67.08 3.00 55.849 140 NATIONWIDE CORP GRP 3,108 3,418 73.71 77.40 2.82 58.6610 311 MAIN STREET AMER GRP 2,865 3,110 85.27 86.11 2.60 61.25

**STATE TOTAL** 110,382 114,532 46.82 49.89 100.00 100.00. .

New Jersey 1 111 LIBERTY MUT GRP 83,030 82,956 60.24 66.53 8.26 8.262 155 PROGRESSIVE GRP 79,807 82,941 70.28 74.92 7.94 16.193 242 SELECTIVE INS GRP 73,718 75,945 58.89 62.27 7.33 23.524 3548 TRAVELERS GRP 65,900 65,896 48.18 51.67 6.55 30.075 708 NEW JERSEY MANUFACTURERS GRP 56,150 58,679 92.11 94.63 5.58 35.666 212 ZURICH INS GRP 55,183 56,395 26.61 35.66 5.49 41.147 253 HARLEYSVILLE GRP 44,029 45,521 44.43 48.63 4.38 45.528 12 AMERICAN INTL GRP 39,881 44,130 38.37 41.24 3.97 49.499 91 HARTFORD FIRE & CAS GRP 36,717 38,482 55.63 60.34 3.65 53.1410 8 ALLSTATE INS GRP 32,354 33,823 61.45 62.37 3.22 56.36

**STATE TOTAL** 1,005,697 1,038,603 59.83 75.04 100.00 100.00. .

New Mexico 1 3548 TRAVELERS GRP 18,315 17,996 26.43 27.07 11.75 11.752 212 ZURICH INS GRP 15,001 15,906 40.88 43.92 9.62 21.373 111 LIBERTY MUT GRP 12,517 13,033 46.57 48.89 8.03 29.404 155 PROGRESSIVE GRP 11,054 11,533 43.31 44.33 7.09 36.495 791 MOUNTAIN STATES INS CO GRP 8,240 9,286 40.38 45.72 5.29 41.786 150 OLD REPUBLIC GRP 6,937 7,268 39.51 40.88 4.45 46.237 140 NATIONWIDE CORP GRP 6,614 7,120 41.03 44.35 4.24 50.478 12 AMERICAN INTL GRP 5,955 5,949 60.24 66.54 3.82 54.299 218 CNA INS GRP 4,879 4,970 46.09 48.11 3.13 57.4210 98 WR BERKLEY CORP GRP 4,277 4,373 89.95 96.32 2.74 60.16

**STATE TOTAL** 155,890 161,250 47.20 50.78 100.00 100.00. .

New York 1 16616 AMERICAN TRANSIT INS CO 131,490 134,049 69.14 84.90 7.23 7.232 3548 TRAVELERS GRP 117,765 123,385 46.73 50.08 6.48 13.713 111 LIBERTY MUT GRP 89,920 94,474 51.93 56.37 4.94 18.654 8 ALLSTATE INS GRP 87,687 91,818 44.35 44.08 4.82 23.475 155 PROGRESSIVE GRP 84,786 86,991 53.90 58.82 4.66 28.136 12 AMERICAN INTL GRP 77,809 84,395 68.71 78.66 4.28 32.41




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 91 HARTFORD FIRE & CAS GRP 61,734 63,553 70.94 73.34 3.39 35.818 212 ZURICH INS GRP 59,584 60,644 27.32 32.01 3.28 39.089 4695 HEREFORD HOLDING GRP 55,787 57,507 48.55 54.58 3.07 42.1510 201 UTICA GRP 53,445 54,563 28.79 34.57 2.94 45.09

**STATE TOTAL** 1,818,682 1,854,355 54.08 61.33 100.00 100.00. .

North Carolina 1 3548 TRAVELERS GRP 56,711 62,801 32.69 32.33 8.98 8.982 324 NORTH CAROLINA FARM BUREAU GRP 37,177 37,676 61.82 63.04 5.89 14.873 212 ZURICH INS GRP 35,240 37,805 36.05 37.58 5.58 20.454 140 NATIONWIDE CORP GRP 34,190 37,688 52.38 53.09 5.42 25.875 111 LIBERTY MUT GRP 31,140 32,854 42.33 44.97 4.93 30.806 280 AUTO OWNERS GRP 26,766 27,172 52.58 54.36 4.24 35.047 213 ERIE INS GRP 25,359 26,165 25.55 27.23 4.02 39.068 12 AMERICAN INTL GRP 24,823 23,202 49.87 56.59 3.93 42.999 244 CINCINNATI FIN GRP 18,805 19,177 45.25 46.37 2.98 45.9710 150 OLD REPUBLIC GRP 17,355 18,781 56.81 65.40 2.75 48.72

**STATE TOTAL** 631,337 666,161 46.81 49.52 100.00 100.00. .

North Dakota 1 150 OLD REPUBLIC GRP 13,979 13,498 70.36 75.55 17.09 17.092 3548 TRAVELERS GRP 5,499 6,048 44.54 44.63 6.72 23.813 140 NATIONWIDE CORP GRP 5,293 5,229 75.99 77.53 6.47 30.284 62 EMC INS CO GRP 4,376 4,193 37.87 40.06 5.35 35.635 280 AUTO OWNERS GRP 4,043 3,982 59.92 60.10 4.94 40.576 212 ZURICH INS GRP 3,529 3,717 37.28 39.32 4.31 44.887 98 WR BERKLEY CORP GRP 2,916 3,035 149.38 164.90 3.56 48.458 14184 ACUITY A MUT INS CO 2,688 2,566 45.22 45.40 3.29 51.739 244 CINCINNATI FIN GRP 2,617 2,543 36.12 38.05 3.20 54.9310 796 QBE INS GRP 2,395 2,424 32.94 33.01 2.93 57.86

**STATE TOTAL** 81,817 81,793 54.89 58.19 100.00 100.00. .

Ohio 1 244 CINCINNATI FIN GRP 61,538 63,828 44.80 47.73 8.59 8.592 228 WESTFIELD GRP 51,397 52,309 44.22 47.56 7.17 15.763 3548 TRAVELERS GRP 47,123 48,989 23.30 23.46 6.58 22.344 111 LIBERTY MUT GRP 37,541 40,837 49.83 51.54 5.24 27.585 155 PROGRESSIVE GRP 37,287 39,954 50.21 52.33 5.20 32.786 140 NATIONWIDE CORP GRP 36,926 37,671 69.65 72.06 5.15 37.947 212 ZURICH INS GRP 35,728 37,743 38.62 43.98 4.99 42.928 291 MOTORISTS MUT GRP 29,481 30,054 41.81 48.90 4.11 47.049 280 AUTO OWNERS GRP 27,529 28,740 33.34 35.13 3.84 50.8810 12 AMERICAN INTL GRP 23,045 24,583 3.67 4.46 3.22 54.10

**STATE TOTAL** 716,488 748,987 42.16 45.19 100.00 100.00. .

Oklahoma 1 3548 TRAVELERS GRP 35,667 35,107 44.81 46.24 10.79 10.792 212 ZURICH INS GRP 29,967 26,816 54.76 60.32 9.07 19.863 155 PROGRESSIVE GRP 26,532 28,217 55.95 59.34 8.03 27.894 111 LIBERTY MUT GRP 20,700 21,373 32.75 40.32 6.26 34.155 150 OLD REPUBLIC GRP 19,383 20,374 51.25 55.27 5.86 40.026 84 AMERICAN FINANCIAL GRP 14,382 15,346 69.76 73.42 4.35 44.377 12 AMERICAN INTL GRP 13,006 16,952 41.70 45.46 3.94 48.308 23663 NATIONAL AMER INS CO 12,351 12,818 44.91 47.14 3.74 52.049 218 CNA INS GRP 8,774 7,351 78.65 84.93 2.65 54.6910 98 WR BERKLEY CORP GRP 8,354 9,365 112.11 118.36 2.53 57.22

**STATE TOTAL** 330,491 336,935 57.89 62.49 100.00 100.00. .

Oregon 1 111 LIBERTY MUT GRP 52,866 55,824 42.85 45.73 19.34 19.342 212 ZURICH INS GRP 36,612 36,396 46.37 50.28 13.39 32.733 3548 TRAVELERS GRP 26,290 25,656 35.99 36.74 9.62 42.354 155 PROGRESSIVE GRP 13,637 14,359 36.74 37.82 4.99 47.345 150 OLD REPUBLIC GRP 12,721 13,422 54.62 60.59 4.65 51.996 796 QBE INS GRP 8,227 8,338 34.51 34.62 3.01 55.007 333 MUTUAL OF ENUMCLAW GRP 7,697 7,889 47.70 50.65 2.82 57.828 140 NATIONWIDE CORP GRP 6,799 7,136 27.98 29.60 2.49 60.319 218 CNA INS GRP 6,591 7,134 28.81 32.11 2.41 62.7210 12 AMERICAN INTL GRP 5,794 6,146 35.33 44.65 2.12 64.84

**STATE TOTAL** 273,348 284,627 44.21 48.08 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%



2 3548 TRAVELERS GRP 85,459 88,386 38.20 39.49 7.80 18.443 212 ZURICH INS GRP 74,359 76,195 52.56 56.63 6.78 25.224 111 LIBERTY MUT GRP 55,956 58,109 72.43 73.21 5.10 30.335 155 PROGRESSIVE GRP 54,946 59,599 54.46 56.97 5.01 35.346 140 NATIONWIDE CORP GRP 52,886 54,649 52.89 56.95 4.82 40.167 253 HARLEYSVILLE GRP 41,519 42,955 41.30 44.62 3.79 43.958 867 BALDWIN & LYONS GRP 40,865 40,865 39.38 40.93 3.73 47.689 242 SELECTIVE INS GRP 38,846 39,824 63.38 64.69 3.54 51.2210 12 AMERICAN INTL GRP 32,991 33,728 45.28 53.38 3.01 54.23

**STATE TOTAL** 1,096,333 1,123,455 50.71 54.67 100.00 100.00. .

Rhode Island 1 3548 TRAVELERS GRP 10,698 11,208 40.33 40.24 12.29 12.292 155 PROGRESSIVE GRP 9,340 10,156 52.13 52.53 10.73 23.013 242 SELECTIVE INS GRP 6,351 6,489 54.82 58.11 7.29 30.304 111 LIBERTY MUT GRP 6,200 6,257 40.78 43.10 7.12 37.425 62 EMC INS CO GRP 4,520 4,805 62.97 68.21 5.19 42.626 212 ZURICH INS GRP 4,154 4,275 45.18 48.16 4.77 47.397 253 HARLEYSVILLE GRP 3,217 3,171 54.29 58.27 3.69 51.088 140 NATIONWIDE CORP GRP 2,970 3,276 40.60 44.12 3.41 54.499 586 ARBELLA INS GRP 2,807 2,656 37.77 42.78 3.22 57.7110 91 HARTFORD FIRE & CAS GRP 2,753 2,971 15.30 5.55 3.16 60.88

**STATE TOTAL** 87,080 91,001 45.10 48.61 100.00 100.00. .

South Carolina 1 280 AUTO OWNERS GRP 22,023 22,678 29.94 29.52 7.17 7.172 111 LIBERTY MUT GRP 21,232 23,408 58.26 62.04 6.92 14.093 3548 TRAVELERS GRP 19,580 18,485 48.47 49.37 6.38 20.474 155 PROGRESSIVE GRP 18,982 20,856 45.03 47.68 6.18 26.655 212 ZURICH INS GRP 18,625 21,223 55.70 56.51 6.07 32.726 140 NATIONWIDE CORP GRP 12,978 13,429 56.64 58.92 4.23 36.957 12 AMERICAN INTL GRP 11,290 10,975 57.47 61.58 3.68 40.638 91 HARTFORD FIRE & CAS GRP 9,495 10,217 68.88 68.48 3.09 43.729 19 ASSURANT INC GRP 8,954 7,987 18.98 18.97 2.92 46.6410 150 OLD REPUBLIC GRP 8,347 9,283 73.69 83.11 2.72 49.35

**STATE TOTAL** 306,974 324,776 49.31 52.14 100.00 100.00. .

South Dakota 1 1281 BANKAMERICA CORP GRP 24,577 30,699 79.51 80.64 22.30 22.302 150 OLD REPUBLIC GRP 14,492 14,958 54.18 58.62 13.15 35.443 3548 TRAVELERS GRP 5,915 6,144 17.78 17.76 5.37 40.814 280 AUTO OWNERS GRP 5,724 5,673 43.91 45.27 5.19 46.005 140 NATIONWIDE CORP GRP 5,670 5,660 68.06 70.11 5.14 51.156 98 WR BERKLEY CORP GRP 4,965 5,106 44.06 52.86 4.50 55.657 14184 ACUITY A MUT INS CO 4,707 4,845 45.73 39.31 4.27 59.928 212 ZURICH INS GRP 3,249 3,140 27.71 34.85 2.95 62.879 796 QBE INS GRP 3,144 3,182 8.55 11.18 2.85 65.7210 248 UNITED FIRE & CAS GRP 2,890 2,885 53.88 56.40 2.62 68.34

**STATE TOTAL** 110,232 118,181 54.64 55.22 100.00 100.00. .

Tennessee 1 3548 TRAVELERS GRP 43,397 43,140 33.33 35.24 9.45 9.452 111 LIBERTY MUT GRP 25,905 26,524 40.33 42.59 5.64 15.093 158 FAIRFAX FIN GRP 24,806 24,445 74.41 79.00 5.40 20.494 212 ZURICH INS GRP 22,243 23,644 32.72 34.60 4.84 25.335 155 PROGRESSIVE GRP 21,716 23,297 58.12 60.49 4.73 30.066 12 AMERICAN INTL GRP 21,185 19,347 32.53 42.17 4.61 34.677 280 AUTO OWNERS GRP 20,963 21,200 77.30 84.02 4.56 39.238 10642 CHEROKEE INS CO 18,900 20,859 78.27 89.95 4.11 43.359 150 OLD REPUBLIC GRP 18,406 20,261 45.17 48.91 4.01 47.3510 140 NATIONWIDE CORP GRP 16,772 17,015 58.19 64.05 3.65 51.01

**STATE TOTAL** 459,346 477,140 52.33 57.02 100.00 100.00. .

Texas 1 212 ZURICH INS GRP 204,305 203,669 58.74 64.35 10.40 10.402 12 AMERICAN INTL GRP 169,580 174,328 64.52 71.35 8.63 19.033 155 PROGRESSIVE GRP 158,283 168,439 53.30 55.76 8.06 27.094 3548 TRAVELERS GRP 129,689 132,221 61.25 64.96 6.60 33.69




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 111 LIBERTY MUT GRP 127,317 135,688 51.67 57.01 6.48 40.176 3489 DELEK GRP 102,053 110,756 58.31 65.38 5.19 45.377 176 STATE FARM GRP 64,929 66,219 51.55 53.54 3.31 48.678 626 ACE LTD GRP 64,502 62,437 56.49 65.90 3.28 51.969 140 NATIONWIDE CORP GRP 61,764 63,859 54.44 58.99 3.14 55.1010 150 OLD REPUBLIC GRP 60,135 60,460 65.71 71.29 3.06 58.16

**STATE TOTAL** 1,964,461 2,021,995 58.94 64.41 100.00 100.00. .

Utah 1 140 NATIONWIDE CORP GRP 32,385 30,912 72.25 78.70 13.68 13.682 3548 TRAVELERS GRP 25,118 24,172 41.21 43.49 10.61 24.303 212 ZURICH INS GRP 21,744 22,314 62.23 68.18 9.19 33.494 111 LIBERTY MUT GRP 18,089 19,719 41.84 43.60 7.64 41.135 280 AUTO OWNERS GRP 14,283 15,097 49.38 52.51 6.04 47.166 150 OLD REPUBLIC GRP 13,941 14,100 65.41 69.16 5.89 53.057 155 PROGRESSIVE GRP 8,074 9,356 44.91 47.84 3.41 56.478 12 AMERICAN INTL GRP 8,009 7,889 59.72 60.88 3.38 59.859 1281 BANKAMERICA CORP GRP 7,828 8,200 36.01 36.42 3.31 63.1610 244 CINCINNATI FIN GRP 6,439 6,179 71.15 74.06 2.72 65.88

**STATE TOTAL** 236,660 244,557 49.16 53.76 100.00 100.00. .

Vermont 1 155 PROGRESSIVE GRP 7,379 7,415 45.85 47.35 12.27 12.272 111 LIBERTY MUT GRP 6,817 6,787 34.34 35.18 11.33 23.603 98 WR BERKLEY CORP GRP 6,537 6,740 43.50 42.82 10.87 34.474 3548 TRAVELERS GRP 3,956 4,170 20.46 20.53 6.58 41.045 140 NATIONWIDE CORP GRP 3,111 3,632 29.10 31.83 5.17 46.226 244 CINCINNATI FIN GRP 2,901 2,874 31.53 32.67 4.82 51.047 212 ZURICH INS GRP 2,274 2,611 9.92 12.99 3.78 54.828 15997 MMG INS CO 2,198 2,225 58.19 59.87 3.65 58.479 10541 AGRINATIONAL INS CO 2,057 2,047 56.23 68.73 3.42 61.8910 408 AMERICAN NATL FIN GRP 1,898 1,893 43.99 36.99 3.15 65.05

**STATE TOTAL** 60,154 62,391 35.55 36.88 100.00 100.00. .

Virginia 1 3548 TRAVELERS GRP 44,130 46,107 30.02 31.55 8.72 8.722 155 PROGRESSIVE GRP 40,764 44,027 57.08 59.05 8.05 16.773 140 NATIONWIDE CORP GRP 35,412 37,508 56.60 59.25 7.00 23.774 213 ERIE INS GRP 32,780 33,272 48.73 54.32 6.48 30.255 212 ZURICH INS GRP 29,070 29,988 22.53 25.55 5.74 35.996 111 LIBERTY MUT GRP 24,541 26,392 44.96 44.16 4.85 40.847 244 CINCINNATI FIN GRP 18,000 18,623 87.99 92.97 3.56 44.408 242 SELECTIVE INS GRP 17,638 18,016 63.48 65.87 3.49 47.889 12 AMERICAN INTL GRP 17,365 17,858 25.76 31.33 3.43 51.3110 91 HARTFORD FIRE & CAS GRP 16,466 18,220 42.00 39.62 3.25 54.57

**STATE TOTAL** 506,108 529,757 50.75 54.09 100.00 100.00. .

Washington 1 111 LIBERTY MUT GRP 81,035 84,791 45.20 47.10 17.68 17.682 212 ZURICH INS GRP 57,489 58,267 35.53 40.13 12.55 30.233 3548 TRAVELERS GRP 37,804 39,533 35.87 40.40 8.25 38.484 150 OLD REPUBLIC GRP 23,831 25,168 51.87 56.33 5.20 43.685 155 PROGRESSIVE GRP 22,599 24,713 32.06 34.16 4.93 48.616 333 MUTUAL OF ENUMCLAW GRP 19,180 19,196 67.18 72.86 4.19 52.807 796 QBE INS GRP 15,803 15,461 10.40 13.65 3.45 56.258 1281 BANKAMERICA CORP GRP 13,986 15,453 53.42 55.85 3.05 59.309 218 CNA INS GRP 13,417 13,683 93.95 98.40 2.93 62.2310 140 NATIONWIDE CORP GRP 13,336 14,301 31.70 35.57 2.91 65.14

**STATE TOTAL** 458,228 478,005 46.54 51.07 100.00 100.00. .

West Virginia 1 3548 TRAVELERS GRP 22,715 22,699 39.05 39.91 17.52 17.522 140 NATIONWIDE CORP GRP 14,420 15,395 50.86 55.03 11.12 28.643 213 ERIE INS GRP 14,234 14,391 51.43 54.55 10.98 39.624 228 WESTFIELD GRP 13,973 13,498 64.28 69.67 10.78 50.405 155 PROGRESSIVE GRP 7,724 7,837 48.17 51.75 5.96 56.366 212 ZURICH INS GRP 6,490 6,452 50.33 52.94 5.01 61.377 175 STATE AUTO MUT GRP 5,486 5,644 43.64 49.80 4.23 65.608 244 CINCINNATI FIN GRP 4,669 4,934 60.08 63.36 3.60 69.209 43958 COMMERCE PROTECTIVE INS CO 4,000 3,802 45.44 49.64 3.09 72.29




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 111 LIBERTY MUT GRP 3,960 4,895 35.87 40.05 3.05 75.34**STATE TOTAL** 129,640 133,261 60.53 64.79 100.00 100.00


2 14184 ACUITY A MUT INS CO 34,285 35,515 49.38 56.84 7.40 18.103 796 QBE INS GRP 29,720 30,252 34.56 39.95 6.42 24.524 1243 WEST BEND MUT GRP 28,924 29,251 38.52 39.67 6.24 30.765 150 OLD REPUBLIC GRP 26,580 27,634 55.13 58.58 5.74 36.506 212 ZURICH INS GRP 18,902 19,799 51.95 55.61 4.08 40.587 111 LIBERTY MUT GRP 16,031 16,378 52.72 59.09 3.46 44.048 280 AUTO OWNERS GRP 12,241 12,246 70.08 76.12 2.64 46.699 155 PROGRESSIVE GRP 11,939 12,042 27.72 28.60 2.58 49.2610 140 NATIONWIDE CORP GRP 11,218 12,188 46.84 51.33 2.42 51.69

**STATE TOTAL** 463,183 471,205 48.06 52.05 100.00 100.00. .

Wyoming 1 3548 TRAVELERS GRP 12,572 12,693 61.29 65.23 16.74 16.742 111 LIBERTY MUT GRP 8,907 9,122 48.92 64.37 11.86 28.603 150 OLD REPUBLIC GRP 8,373 9,185 70.24 72.72 11.15 39.754 212 ZURICH INS GRP 6,668 6,750 48.24 49.19 8.88 48.635 155 PROGRESSIVE GRP 5,357 5,766 40.14 43.01 7.13 55.766 140 NATIONWIDE CORP GRP 4,528 4,402 51.74 54.54 6.03 61.797 62 EMC INS CO GRP 3,215 3,313 34.59 36.09 4.28 66.078 12 AMERICAN INTL GRP 2,487 2,754 67.94 70.40 3.31 69.389 8 ALLSTATE INS GRP 1,303 1,418 -9.51 -13.90 1.73 71.1110 677 PHILADELPHIA CONSOLIDATED HOLDING GR 1,244 1,153 58.39 64.27 1.66 72.77

**STATE TOTAL** 75,106 77,316 49.01 53.21 100.00 100.00. .

Guam 1 18380 PACIFIC IND INS CO 1,946 1,930 43.80 44.68 31.73 31.732 12633 CENTURY INS CO GU LTD 1,801 1,585 48.69 52.45 29.38 61.113 4672 DONGBU INS GRP 1,205 1,248 35.22 40.27 19.66 80.774 13597 CHUNG KUO INS CO LTD 894 876 92.54 106.50 14.59 95.365 10972 FIRST NET INS CO 190 197 32.12 35.32 3.10 98.466 212 ZURICH INS GRP 55 52 32.59 37.89 0.89 99.357 626 ACE LTD GRP 24 85 0.48 1.67 0.40 99.75

**STATE TOTAL** 6,131 6,002 48.92 53.36 100.00 100.00. .

Puerto Rico 1 71 UNIVERSAL INS CO GRP 36,930 41,381 44.13 42.40 24.75 24.752 411 MAPFRE INS GRP 31,032 43,688 55.31 56.81 20.80 45.553 40568 TRIPLE S PROPIEDAD INC 25,115 29,557 53.17 55.67 16.83 62.394 26778 INTEGRAND ASSUR CO 16,185 13,223 51.23 56.63 10.85 73.245 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 14,622 16,873 53.34 56.64 9.80 83.046 10140 OPTIMA INS CO 8,058 4,521 40.06 40.63 5.40 88.447 343 NATIONAL INS CO GRP 6,211 6,299 15.18 21.93 4.16 92.608 12 AMERICAN INTL GRP 5,945 7,106 18.56 29.01 3.98 96.589 10308 ANTILLES INS CO 1,423 2,007 72.59 77.93 0.95 97.5410 626 ACE LTD GRP 946 912 -26.18 -28.03 0.63 98.17

**STATE TOTAL** 149,194 168,299 47.47 49.44 100.00 100.00. .

U.S. Virgin Islands 1 17779 GUARDIAN INS CO INC 2,246 2,372 50.74 64.27 48.44 48.442 161 TOPA EQUITIES LTD GRP 1,107 1,137 63.11 70.37 23.89 72.333 35858 COMPANION INC 444 0 N/A N/A 9.58 81.914 626 ACE LTD GRP 353 386 -8.87 -4.30 7.62 89.535 13598 KESWICK GUARANTY INC 255 255 41.87 41.87 5.51 95.046 12 AMERICAN INTL GRP 56 28 959.09 995.96 1.22 96.267 218 CNA INS GRP 40 43 -32.11 -27.73 0.86 97.128 12588 PRIME INS CO 38 28 15.34 18.07 0.81 97.939 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 36 43 1139.72 1148.95 0.79 98.7210 26778 INTEGRAND ASSUR CO 29 29 0.00 0.00 0.62 99.33

**STATE TOTAL** 4,636 4,359 94.51 104.82 100.00 100.00. .


**STATE TOTAL** 367 387 354.94 381.57 100.00 100.00. .

Canada 1 3548 TRAVELERS GRP 47,432 47,169 29.43 29.58 36.35 36.35




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 111 LIBERTY MUT GRP 22,125 20,312 32.39 45.42 16.96 53.313 176 STATE FARM GRP 16,878 16,799 69.43 72.00 12.94 66.254 761 ALLIANZ INS GRP 14,956 19,766 -64.63 -60.90 11.46 77.715 218 CNA INS GRP 13,763 13,275 43.96 50.36 10.55 88.266 79 GMAC INS HOLDING GRP 7,153 7,153 28.87 31.97 5.48 93.747 10499 CHRYSLER INS CO 4,014 3,945 -29.30 -6.91 3.08 96.828 1279 ARCH INS GRP 1,860 1,015 41.88 45.97 1.43 98.259 21261 ELECTRIC INS CO 968 968 18.88 23.60 0.74 98.9910 91 HARTFORD FIRE & CAS GRP 697 716 416.68 440.06 0.53 99.52

**STATE TOTAL** 130,469 131,725 23.52 28.23 100.00 100.00. .

Aggregate Other Alien 1 12 AMERICAN INTL GRP 101,683 105,888 41.55 42.95 76.70 76.702 626 ACE LTD GRP 9,050 8,122 257.42 284.66 6.83 83.533 19119 NATIONAL UNITY INS CO 7,844 7,994 40.33 44.18 5.92 89.444 38 CHUBB & SON INC GRP 7,401 7,754 -6.27 -10.77 5.58 95.035 3548 TRAVELERS GRP 3,299 3,337 21.84 23.60 2.49 97.516 218 CNA INS GRP 765 804 -7.38 1.15 0.58 98.097 212 ZURICH INS GRP 761 759 49.63 60.29 0.57 98.678 1129 WHITE MOUNTAINS GRP 533 519 6.47 6.76 0.40 99.079 98 WR BERKLEY CORP GRP 493 571 -13.32 -13.32 0.37 99.4410 4672 DONGBU INS GRP 245 246 -6.92 -6.28 0.19 99.62

**STATE TOTAL** 132,572 135,877 50.14 53.53 100.00 100.00. .




22— Aircraft (All Perils)



States, U.S. Territories, Canada, and Aggregate Other Alien22-Aircraft



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 12 AMERICAN INTL GRP 384,622 378,016 45.51 56.10 19.34 19.342 761 ALLIANZ INS GRP 290,909 274,549 82.54 89.50 14.63 33.963 31 BERKSHIRE HATHAWAY GRP 205,099 236,359 62.52 74.22 10.31 44.274 1285 XL AMER GRP 141,520 168,757 47.48 60.82 7.11 51.395 626 ACE LTD GRP 123,328 124,260 8.85 9.67 6.20 57.596 984 HCC INS HOLDINGS GRP 117,181 129,094 52.00 62.24 5.89 63.487 361 MUNICH RE GRP 99,927 88,407 28.20 26.18 5.02 68.508 150 OLD REPUBLIC GRP 87,968 90,962 28.10 31.12 4.42 72.929 111 LIBERTY MUT GRP 86,467 90,302 50.12 61.93 4.35 77.2710 1279 ARCH INS GRP 81,027 79,133 148.44 154.49 4.07 81.3411 38 CHUBB & SON INC GRP 69,879 62,989 60.69 59.60 3.51 84.8612 98 WR BERKLEY CORP GRP 50,509 46,409 59.75 66.16 2.54 87.4013 4574 CATLIN US INS GRP 41,434 18,969 48.23 50.13 2.08 89.4814 181 SWISS RE GRP 36,678 35,969 74.23 75.57 1.84 91.3215 3098 TOKIO MARINE HOLDINGS INC GRP 32,826 32,581 52.39 58.82 1.65 92.9716 2978 MITSUI SUMITOMO INS GRP 24,783 23,797 46.76 55.31 1.25 94.2217 4509 IRONSHORE GRP 18,638 1,553 48.15 53.50 0.94 95.1618 3478 HALLMARK FIN SERV GRP 18,614 18,209 49.47 51.22 0.94 96.0919 968 AXA INS GRP 17,627 21,320 23.60 34.48 0.89 96.9820 4670 STARR GRP 13,716 2,892 55.15 60.00 0.69 97.6721 816 COMMERCE INC GRP 9,556 2,242 51.10 60.79 0.48 98.1522 3548 TRAVELERS GRP 7,918 6,650 -30.90 74.33 0.40 98.5523 697 VAN ENT GRP 6,762 6,299 59.69 60.29 0.34 98.8924 749 SCOR GRP 5,972 6,518 67.90 70.94 0.30 99.1925 408 AMERICAN NATL FIN GRP 5,134 5,923 32.79 32.79 0.26 99.4526 93 STATE NATL GRP 4,634 2,701 31.66 34.44 0.23 99.6827 1120 EVEREST REINS HOLDINGS GRP 3,675 1,696 59.40 60.00 0.18 99.86

**INDUSTRY TOTAL** 1,989,119 1,959,428 54.13 62.58 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 12 AMERICAN INTL GRP 3,470 4,122 -370.96 -406.78 22.09 22.092 31 BERKSHIRE HATHAWAY GRP 1,522 1,705 12.16 13.65 9.69 31.783 150 OLD REPUBLIC GRP 1,372 1,527 -45.55 -77.66 8.74 40.524 984 HCC INS HOLDINGS GRP 1,319 1,500 17.11 18.66 8.40 48.915 761 ALLIANZ INS GRP 1,237 1,276 25.62 23.98 7.88 56.796 626 ACE LTD GRP 1,191 1,195 65.95 73.41 7.58 64.377 1285 XL AMER GRP 914 1,175 353.98 463.05 5.82 70.198 111 LIBERTY MUT GRP 827 862 29.34 30.41 5.27 75.469 4574 CATLIN US INS GRP 664 294 21.79 23.49 4.23 79.6910 361 MUNICH RE GRP 593 1,008 -2.75 -5.65 3.77 83.46

**STATE TOTAL** 15,707 17,484 -52.78 -55.17 100.00 100.00. .

Alaska 1 984 HCC INS HOLDINGS GRP 5,721 5,785 30.56 38.95 16.97 16.972 12 AMERICAN INTL GRP 4,912 5,171 15.27 21.93 14.57 31.543 181 SWISS RE GRP 4,476 4,465 31.70 38.01 13.28 44.824 761 ALLIANZ INS GRP 2,958 3,170 60.77 61.99 8.77 53.595 98 WR BERKLEY CORP GRP 2,408 2,051 51.23 53.81 7.14 60.746 150 OLD REPUBLIC GRP 2,316 2,421 28.21 22.40 6.87 67.617 4670 STARR GRP 1,937 502 17.53 19.68 5.75 73.358 1285 XL AMER GRP 1,922 3,068 -7.83 -11.07 5.70 79.059 4574 CATLIN US INS GRP 1,904 1,016 32.36 34.11 5.65 84.7010 626 ACE LTD GRP 1,254 1,237 3.93 -4.28 3.72 88.42

**STATE TOTAL** 33,712 33,379 27.53 31.84 100.00 100.00. .

Arizona 1 12 AMERICAN INTL GRP 11,707 13,394 168.78 179.03 18.53 18.532 761 ALLIANZ INS GRP 9,866 9,956 96.18 111.11 15.62 34.153 31 BERKSHIRE HATHAWAY GRP 8,876 9,416 105.24 129.80 14.05 48.214 1285 XL AMER GRP 6,864 8,336 47.90 63.79 10.87 59.075 626 ACE LTD GRP 2,865 2,876 -8.81 -27.39 4.54 63.616 1279 ARCH INS GRP 2,767 2,610 124.12 128.01 4.38 67.997 38 CHUBB & SON INC GRP 2,672 2,628 39.57 39.27 4.23 72.228 150 OLD REPUBLIC GRP 2,577 2,664 45.75 52.75 4.08 76.309 984 HCC INS HOLDINGS GRP 2,469 2,904 21.92 29.81 3.91 80.2110 98 WR BERKLEY CORP GRP 2,010 1,921 79.20 83.08 3.18 83.39

**STATE TOTAL** 63,164 65,897 91.21 103.85 100.00 100.00. .

Arkansas 1 761 ALLIANZ INS GRP 4,108 3,986 85.77 92.28 23.28 23.282 12 AMERICAN INTL GRP 2,451 2,936 15.47 28.52 13.89 37.173 31 BERKSHIRE HATHAWAY GRP 1,681 1,804 76.88 78.59 9.53 46.704 626 ACE LTD GRP 1,311 1,366 2.69 1.25 7.43 54.135 984 HCC INS HOLDINGS GRP 1,259 1,437 42.24 46.99 7.14 61.276 111 LIBERTY MUT GRP 1,226 1,288 40.10 34.78 6.95 68.217 150 OLD REPUBLIC GRP 1,191 1,220 194.11 212.46 6.75 74.968 361 MUNICH RE GRP 761 666 131.44 128.87 4.31 79.289 38 CHUBB & SON INC GRP 626 541 48.96 52.56 3.55 82.8310 1285 XL AMER GRP 582 781 -42.04 -40.28 3.30 86.13

**STATE TOTAL** 17,643 18,091 59.82 65.79 100.00 100.00. .

California 1 12 AMERICAN INTL GRP 35,049 37,380 -11.37 -8.02 19.23 19.232 1285 XL AMER GRP 20,049 24,089 81.62 103.48 11.00 30.233 31 BERKSHIRE HATHAWAY GRP 16,978 19,236 15.81 25.66 9.31 39.544 761 ALLIANZ INS GRP 15,471 18,042 58.80 64.24 8.49 48.035 361 MUNICH RE GRP 12,882 10,708 27.38 34.70 7.07 55.106 984 HCC INS HOLDINGS GRP 12,218 13,666 68.76 76.34 6.70 61.807 38 CHUBB & SON INC GRP 11,572 9,909 62.89 67.65 6.35 68.158 150 OLD REPUBLIC GRP 10,393 10,237 20.87 27.16 5.70 73.859 626 ACE LTD GRP 9,991 10,424 14.50 4.12 5.48 79.3310 111 LIBERTY MUT GRP 7,778 8,283 24.35 25.84 4.27 83.60

**STATE TOTAL** 182,273 187,772 38.76 45.75 100.00 100.00. .

Colorado 1 761 ALLIANZ INS GRP 7,450 6,577 56.35 55.48 16.03 16.032 12 AMERICAN INTL GRP 7,225 8,551 36.26 40.57 15.55 31.593 31 BERKSHIRE HATHAWAY GRP 4,706 5,121 35.61 45.60 10.13 41.714 38 CHUBB & SON INC GRP 3,624 2,593 62.87 62.37 7.80 49.515 626 ACE LTD GRP 3,421 3,432 3.32 5.85 7.36 56.88




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 1285 XL AMER GRP 2,619 3,358 29.81 47.15 5.64 62.517 111 LIBERTY MUT GRP 2,485 2,677 26.03 32.79 5.35 67.868 984 HCC INS HOLDINGS GRP 2,429 2,800 44.86 44.64 5.23 73.099 150 OLD REPUBLIC GRP 2,149 2,236 16.89 18.24 4.63 77.7210 361 MUNICH RE GRP 2,109 1,768 25.14 22.59 4.54 82.25

**STATE TOTAL** 46,460 45,461 44.75 50.63 100.00 100.00. .

Connecticut 1 12 AMERICAN INTL GRP 8,114 9,128 118.22 140.20 23.85 23.852 31 BERKSHIRE HATHAWAY GRP 5,596 6,373 1.12 11.57 16.45 40.303 761 ALLIANZ INS GRP 4,590 5,344 60.77 69.12 13.49 53.794 361 MUNICH RE GRP 2,296 2,306 70.92 57.92 6.75 60.545 1285 XL AMER GRP 2,006 2,239 23.37 40.07 5.90 66.446 749 SCOR GRP 1,887 1,964 67.10 71.50 5.55 71.997 626 ACE LTD GRP 1,505 1,508 46.32 56.93 4.43 76.418 111 LIBERTY MUT GRP 1,429 1,569 -6.52 -10.03 4.20 80.619 3098 TOKIO MARINE HOLDINGS INC GRP 1,150 1,163 14.87 27.98 3.38 83.9910 968 AXA INS GRP 995 1,028 131.24 152.42 2.92 86.92

**STATE TOTAL** 34,017 36,901 41.95 49.82 100.00 100.00. .

Delaware 1 12 AMERICAN INTL GRP 2,583 2,620 -24.98 -21.73 18.86 18.862 361 MUNICH RE GRP 2,520 2,407 30.01 27.53 18.40 37.263 761 ALLIANZ INS GRP 2,036 1,809 29.71 31.73 14.86 52.124 31 BERKSHIRE HATHAWAY GRP 1,623 1,991 16.59 15.20 11.85 63.975 38 CHUBB & SON INC GRP 833 675 21.87 23.67 6.08 70.056 3098 TOKIO MARINE HOLDINGS INC GRP 652 652 16.13 15.57 4.76 74.817 1285 XL AMER GRP 620 651 28.84 114.78 4.52 79.338 2978 MITSUI SUMITOMO INS GRP 477 484 32.42 33.41 3.48 82.819 984 HCC INS HOLDINGS GRP 402 528 -64.08 -55.87 2.94 85.7510 4574 CATLIN US INS GRP 391 179 566.17 568.37 2.86 88.60

**STATE TOTAL** 13,698 13,659 24.18 28.78 100.00 100.00. .

District of Columbia 1 98 WR BERKLEY CORP GRP 3,624 3,692 0.21 5.02 36.76 36.762 181 SWISS RE GRP 3,442 3,179 0.00 0.00 34.92 71.683 626 ACE LTD GRP 589 576 39.36 -270.15 5.98 77.664 761 ALLIANZ INS GRP 579 558 27.12 29.71 5.87 83.535 31 BERKSHIRE HATHAWAY GRP 516 546 -4.41 15.27 5.23 88.766 12 AMERICAN INTL GRP 247 505 34.45 36.58 2.51 91.277 361 MUNICH RE GRP 223 173 1.97 -1.23 2.26 93.538 1279 ARCH INS GRP 139 151 28.09 30.62 1.41 94.949 968 AXA INS GRP 130 133 -12.17 47.36 1.31 96.2610 1285 XL AMER GRP 122 166 446.21 590.41 1.24 97.50

**STATE TOTAL** 9,857 9,885 10.04 2.34 100.00 100.00. .

Florida 1 12 AMERICAN INTL GRP 21,598 22,498 7.90 21.42 19.00 19.002 761 ALLIANZ INS GRP 11,891 11,985 60.60 66.94 10.46 29.463 1285 XL AMER GRP 11,348 13,946 90.06 107.34 9.98 39.444 984 HCC INS HOLDINGS GRP 9,381 11,361 125.07 137.13 8.25 47.705 626 ACE LTD GRP 8,225 8,879 4.95 -2.41 7.24 54.936 361 MUNICH RE GRP 8,174 8,536 -6.10 -9.86 7.19 62.127 150 OLD REPUBLIC GRP 7,295 7,791 19.20 18.32 6.42 68.548 31 BERKSHIRE HATHAWAY GRP 7,262 9,659 12.59 16.20 6.39 74.939 111 LIBERTY MUT GRP 5,016 5,603 62.97 35.10 4.41 79.3410 38 CHUBB & SON INC GRP 4,928 4,561 101.47 100.81 4.34 83.68

**STATE TOTAL** 113,674 122,514 41.04 45.79 100.00 100.00. .

Georgia 1 31 BERKSHIRE HATHAWAY GRP 13,325 14,891 337.03 394.70 17.95 17.952 761 ALLIANZ INS GRP 12,303 10,638 370.63 399.70 16.57 34.523 12 AMERICAN INTL GRP 12,246 15,569 296.46 332.28 16.49 51.014 626 ACE LTD GRP 4,891 4,344 -18.39 -24.23 6.59 57.605 1279 ARCH INS GRP 3,918 3,732 394.92 402.42 5.28 62.876 1285 XL AMER GRP 3,431 4,220 137.33 154.32 4.62 67.497 361 MUNICH RE GRP 3,418 3,516 17.89 18.24 4.60 72.108 111 LIBERTY MUT GRP 3,414 3,363 297.88 432.41 4.60 76.709 150 OLD REPUBLIC GRP 3,145 3,182 22.51 20.99 4.24 80.9310 984 HCC INS HOLDINGS GRP 2,607 3,086 13.23 28.00 3.51 84.44




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 74,250 75,949 234.55 266.98 100.00 100.00. .

Hawaii 1 1285 XL AMER GRP 1,791 2,624 -117.38 -111.55 17.42 17.422 761 ALLIANZ INS GRP 1,338 1,712 33.56 38.10 13.01 30.433 93 STATE NATL GRP 1,239 763 73.31 79.74 12.05 42.494 626 ACE LTD GRP 894 1,317 9.16 24.43 8.70 51.195 31 BERKSHIRE HATHAWAY GRP 888 1,023 19.99 19.91 8.63 59.826 12 AMERICAN INTL GRP 778 2,175 2.58 6.71 7.57 67.397 984 HCC INS HOLDINGS GRP 732 800 16.06 14.81 7.12 74.518 4574 CATLIN US INS GRP 716 299 21.63 23.22 6.97 81.479 98 WR BERKLEY CORP GRP 618 624 -11.40 -11.10 6.01 87.4910 1279 ARCH INS GRP 381 478 68.74 71.40 3.71 91.20

**STATE TOTAL** 10,279 12,610 -4.80 0.14 100.00 100.00. .

Idaho 1 761 ALLIANZ INS GRP 2,356 2,300 57.68 56.02 16.98 16.982 12 AMERICAN INTL GRP 2,082 2,194 29.28 34.84 15.01 31.993 98 WR BERKLEY CORP GRP 1,539 1,492 49.29 50.63 11.09 43.094 984 HCC INS HOLDINGS GRP 1,130 1,208 59.07 75.32 8.15 51.245 1285 XL AMER GRP 1,050 1,146 326.26 353.31 7.57 58.816 38 CHUBB & SON INC GRP 927 849 34.66 35.77 6.68 65.497 626 ACE LTD GRP 889 869 10.23 6.70 6.41 71.908 31 BERKSHIRE HATHAWAY GRP 882 1,001 1434.86 1584.54 6.36 78.269 150 OLD REPUBLIC GRP 843 882 -16.23 -22.19 6.08 84.3410 111 LIBERTY MUT GRP 514 543 114.67 119.33 3.71 88.04

**STATE TOTAL** 13,870 14,053 301.35 324.37 100.00 100.00. .

Illinois 1 761 ALLIANZ INS GRP 12,080 11,573 55.37 52.85 18.54 18.542 31 BERKSHIRE HATHAWAY GRP 10,174 10,483 -14.10 -9.86 15.61 34.153 12 AMERICAN INTL GRP 8,180 13,131 35.86 50.64 12.55 46.714 626 ACE LTD GRP 7,178 5,940 47.99 45.38 11.02 57.725 984 HCC INS HOLDINGS GRP 3,848 4,152 23.13 37.25 5.91 63.636 361 MUNICH RE GRP 3,818 3,702 18.06 14.89 5.86 69.497 1285 XL AMER GRP 3,801 4,645 -51.51 -54.46 5.83 75.328 111 LIBERTY MUT GRP 3,021 3,006 -4.93 5.76 4.64 79.969 150 OLD REPUBLIC GRP 2,292 2,506 0.78 -4.58 3.52 83.4710 3098 TOKIO MARINE HOLDINGS INC GRP 2,047 1,570 -1.84 0.54 3.14 86.61

**STATE TOTAL** 65,161 68,335 18.86 34.17 100.00 100.00. .

Indiana 1 12 AMERICAN INTL GRP 3,762 4,504 58.51 60.69 17.08 17.082 761 ALLIANZ INS GRP 3,047 2,768 52.15 56.80 13.84 30.923 31 BERKSHIRE HATHAWAY GRP 2,660 2,987 21.83 22.99 12.08 42.994 150 OLD REPUBLIC GRP 2,148 2,358 -195.51 -225.66 9.75 52.755 984 HCC INS HOLDINGS GRP 1,872 2,043 118.62 130.87 8.50 61.256 626 ACE LTD GRP 1,459 1,479 24.50 25.21 6.63 67.877 1279 ARCH INS GRP 973 999 107.58 137.08 4.42 72.298 98 WR BERKLEY CORP GRP 954 925 18.21 19.08 4.33 76.639 111 LIBERTY MUT GRP 775 887 18.05 16.34 3.52 80.1510 361 MUNICH RE GRP 757 821 -14.27 -15.62 3.44 83.58

**STATE TOTAL** 22,022 23,053 18.67 18.37 100.00 100.00. .

Iowa 1 12 AMERICAN INTL GRP 2,014 2,371 80.82 87.31 18.22 18.222 150 OLD REPUBLIC GRP 1,874 1,805 5.94 11.02 16.95 35.183 761 ALLIANZ INS GRP 1,558 1,392 32.79 37.64 14.09 49.274 31 BERKSHIRE HATHAWAY GRP 1,003 1,166 -18.40 -4.68 9.07 58.345 984 HCC INS HOLDINGS GRP 903 1,029 13.25 27.41 8.16 66.506 626 ACE LTD GRP 644 647 10.87 5.85 5.82 72.337 111 LIBERTY MUT GRP 514 580 -8.51 -6.54 4.65 76.988 38 CHUBB & SON INC GRP 489 426 33.57 33.76 4.42 81.409 3478 HALLMARK FIN SERV GRP 337 300 51.27 53.02 3.05 84.4510 361 MUNICH RE GRP 302 296 3.86 -3.67 2.73 87.18

**STATE TOTAL** 11,054 11,555 27.79 49.26 100.00 100.00. .

Kansas 1 12 AMERICAN INTL GRP 4,270 4,807 60.69 77.70 21.12 21.122 761 ALLIANZ INS GRP 3,768 3,824 48.95 51.58 18.64 39.763 31 BERKSHIRE HATHAWAY GRP 2,170 2,250 17.68 21.54 10.74 50.50




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 1285 XL AMER GRP 1,948 2,567 9.46 3.28 9.64 60.145 150 OLD REPUBLIC GRP 1,302 1,381 136.18 161.19 6.44 66.586 984 HCC INS HOLDINGS GRP 1,133 1,226 26.08 28.94 5.60 72.187 361 MUNICH RE GRP 877 729 0.71 -3.68 4.34 76.528 4574 CATLIN US INS GRP 788 382 113.17 114.90 3.90 80.429 626 ACE LTD GRP 711 720 21.64 15.42 3.52 83.9410 38 CHUBB & SON INC GRP 478 361 -2.65 -48.15 2.37 86.31

**STATE TOTAL** 20,214 20,875 46.20 51.42 100.00 100.00. .

Kentucky 1 12 AMERICAN INTL GRP 1,368 1,515 -182.30 -193.67 13.94 13.942 1285 XL AMER GRP 1,074 1,134 164.02 160.69 10.95 24.893 626 ACE LTD GRP 941 1,160 17.83 16.77 9.59 34.484 150 OLD REPUBLIC GRP 936 905 23.87 25.06 9.54 44.015 31 BERKSHIRE HATHAWAY GRP 812 903 26.11 25.72 8.28 52.296 984 HCC INS HOLDINGS GRP 802 856 20.46 22.07 8.17 60.467 111 LIBERTY MUT GRP 575 579 16.25 18.26 5.86 66.328 1279 ARCH INS GRP 547 542 34.49 37.58 5.57 71.909 761 ALLIANZ INS GRP 487 405 33.23 38.49 4.96 76.8510 361 MUNICH RE GRP 419 439 57.93 54.14 4.27 81.12

**STATE TOTAL** 9,812 10,057 11.08 10.48 100.00 100.00. .

Louisiana 1 761 ALLIANZ INS GRP 13,043 11,212 164.74 181.62 18.80 18.802 12 AMERICAN INTL GRP 9,853 10,101 141.76 151.17 14.20 33.003 1285 XL AMER GRP 6,801 7,371 260.08 270.66 9.80 42.804 31 BERKSHIRE HATHAWAY GRP 5,437 5,741 49.27 53.54 7.84 50.645 361 MUNICH RE GRP 5,141 3,999 70.85 69.58 7.41 58.056 38 CHUBB & SON INC GRP 4,425 2,984 182.35 185.93 6.38 64.437 626 ACE LTD GRP 3,682 3,673 5.97 3.07 5.31 69.748 98 WR BERKLEY CORP GRP 3,136 2,122 92.21 97.89 4.52 74.269 4574 CATLIN US INS GRP 2,717 1,148 43.42 45.18 3.92 78.1710 1279 ARCH INS GRP 2,492 2,123 325.64 329.68 3.59 81.77

**STATE TOTAL** 69,377 60,501 126.70 134.07 100.00 100.00. .

Maine 1 984 HCC INS HOLDINGS GRP 716 769 34.41 38.87 16.82 16.822 12 AMERICAN INTL GRP 624 688 13.42 14.40 14.67 31.493 150 OLD REPUBLIC GRP 538 537 -13.28 -31.57 12.63 44.134 361 MUNICH RE GRP 471 385 74.68 102.77 11.07 55.205 38 CHUBB & SON INC GRP 448 444 36.37 35.82 10.52 65.726 31 BERKSHIRE HATHAWAY GRP 342 409 35.01 98.40 8.05 73.777 1285 XL AMER GRP 221 233 97.39 89.24 5.20 78.968 4670 STARR GRP 141 21 16.34 17.97 3.33 82.299 626 ACE LTD GRP 132 164 30.29 17.74 3.11 85.3910 761 ALLIANZ INS GRP 125 98 21.68 23.29 2.93 88.32

**STATE TOTAL** 4,255 4,262 31.90 41.89 100.00 100.00. .

Maryland 1 12 AMERICAN INTL GRP 5,415 6,099 32.64 38.20 26.59 26.592 31 BERKSHIRE HATHAWAY GRP 2,251 2,328 16.37 20.98 11.06 37.653 761 ALLIANZ INS GRP 2,165 2,037 37.35 43.74 10.64 48.294 626 ACE LTD GRP 1,570 1,581 5.91 10.19 7.71 55.995 984 HCC INS HOLDINGS GRP 1,353 1,477 76.93 103.71 6.65 62.646 1285 XL AMER GRP 1,308 1,318 -9.44 -9.52 6.42 69.067 361 MUNICH RE GRP 1,121 875 36.87 32.28 5.51 74.578 150 OLD REPUBLIC GRP 915 1,026 14.05 14.39 4.49 79.069 111 LIBERTY MUT GRP 888 925 24.88 39.01 4.36 83.4210 3098 TOKIO MARINE HOLDINGS INC GRP 475 400 27.24 27.29 2.33 85.76

**STATE TOTAL** 20,361 20,726 29.35 35.41 100.00 100.00. .

Massachusetts 1 361 MUNICH RE GRP 2,706 2,233 26.42 26.36 13.73 13.732 31 BERKSHIRE HATHAWAY GRP 2,552 3,552 27.46 32.48 12.95 26.683 12 AMERICAN INTL GRP 2,022 3,983 50.73 62.33 10.26 36.934 761 ALLIANZ INS GRP 1,837 1,530 39.20 42.20 9.32 46.255 150 OLD REPUBLIC GRP 1,549 1,531 66.72 72.23 7.86 54.116 626 ACE LTD GRP 1,445 1,403 -20.51 402.63 7.33 61.447 111 LIBERTY MUT GRP 1,319 1,387 29.30 40.10 6.69 68.148 984 HCC INS HOLDINGS GRP 1,208 1,380 41.21 46.57 6.13 74.26




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 38 CHUBB & SON INC GRP 1,154 706 9.36 10.38 5.86 80.1210 1285 XL AMER GRP 1,104 1,263 190.52 285.15 5.60 85.72

**STATE TOTAL** 19,709 21,798 42.98 81.39 100.00 100.00. .

Michigan 1 12 AMERICAN INTL GRP 5,984 6,992 3.00 3.57 16.59 16.592 31 BERKSHIRE HATHAWAY GRP 4,573 5,239 14.45 16.43 12.68 29.273 761 ALLIANZ INS GRP 3,242 3,433 45.70 48.45 8.99 38.264 361 MUNICH RE GRP 3,094 2,685 -6.84 -19.01 8.58 46.845 626 ACE LTD GRP 3,045 3,116 8.95 -1.63 8.44 55.286 984 HCC INS HOLDINGS GRP 2,949 3,159 19.76 23.24 8.18 63.467 1285 XL AMER GRP 2,343 3,092 -19.27 -16.54 6.50 69.958 150 OLD REPUBLIC GRP 2,099 2,164 11.60 13.14 5.82 75.779 111 LIBERTY MUT GRP 1,733 1,771 26.19 28.17 4.80 80.5810 1279 ARCH INS GRP 1,249 1,252 14.06 16.98 3.46 84.04

**STATE TOTAL** 36,068 38,294 24.19 28.03 100.00 100.00. .

Minnesota 1 12 AMERICAN INTL GRP 5,764 5,740 46.72 57.11 21.51 21.512 761 ALLIANZ INS GRP 5,419 5,217 32.06 31.23 20.22 41.733 31 BERKSHIRE HATHAWAY GRP 2,823 3,465 11.58 14.70 10.53 52.264 984 HCC INS HOLDINGS GRP 2,413 2,580 41.98 50.89 9.00 61.275 150 OLD REPUBLIC GRP 1,587 1,617 16.82 12.33 5.92 67.196 626 ACE LTD GRP 1,578 1,578 3.75 5.78 5.89 73.077 361 MUNICH RE GRP 1,258 1,388 2.60 -1.89 4.69 77.778 111 LIBERTY MUT GRP 1,167 1,352 3.67 0.88 4.35 82.129 1285 XL AMER GRP 954 1,163 82.14 93.62 3.56 85.6810 38 CHUBB & SON INC GRP 842 907 166.58 175.94 3.14 88.82

**STATE TOTAL** 26,799 27,971 35.92 40.49 100.00 100.00. .

Mississippi 1 761 ALLIANZ INS GRP 2,135 1,953 88.66 90.72 17.70 17.702 12 AMERICAN INTL GRP 1,598 1,487 135.59 155.28 13.25 30.953 984 HCC INS HOLDINGS GRP 1,183 1,203 -2.77 11.82 9.81 40.764 31 BERKSHIRE HATHAWAY GRP 1,127 1,154 -0.31 48.29 9.34 50.115 150 OLD REPUBLIC GRP 966 1,047 8.82 7.41 8.01 58.116 626 ACE LTD GRP 960 957 55.67 52.75 7.96 66.077 1285 XL AMER GRP 764 1,066 8.38 5.85 6.33 72.418 111 LIBERTY MUT GRP 738 694 62.44 118.73 6.11 78.529 361 MUNICH RE GRP 585 551 4.49 2.31 4.85 83.3710 4574 CATLIN US INS GRP 421 218 56.06 57.89 3.49 86.86

**STATE TOTAL** 12,062 11,716 55.62 73.45 100.00 100.00. .

Missouri 1 12 AMERICAN INTL GRP 3,814 4,188 68.17 79.04 12.97 12.972 761 ALLIANZ INS GRP 3,734 3,548 -5.96 -20.04 12.70 25.673 31 BERKSHIRE HATHAWAY GRP 3,381 3,973 36.86 35.05 11.50 37.164 626 ACE LTD GRP 3,130 3,122 33.67 32.81 10.64 47.815 98 WR BERKLEY CORP GRP 1,965 1,657 2.89 3.14 6.68 54.496 111 LIBERTY MUT GRP 1,790 1,811 6.85 4.52 6.09 60.577 150 OLD REPUBLIC GRP 1,512 1,681 -79.03 -114.21 5.14 65.718 361 MUNICH RE GRP 1,511 1,550 54.57 49.83 5.14 70.859 984 HCC INS HOLDINGS GRP 1,366 1,533 49.92 40.43 4.65 75.5010 38 CHUBB & SON INC GRP 1,312 1,184 16.94 9.48 4.46 79.96

**STATE TOTAL** 29,409 29,274 29.29 27.13 100.00 100.00. .

Montana 1 984 HCC INS HOLDINGS GRP 1,383 1,506 177.97 185.28 14.25 14.252 38 CHUBB & SON INC GRP 1,366 1,299 23.51 24.52 14.07 28.323 12 AMERICAN INTL GRP 1,321 1,690 12.85 14.12 13.61 41.934 4574 CATLIN US INS GRP 1,317 872 144.98 146.82 13.57 55.505 761 ALLIANZ INS GRP 894 878 1.98 1.67 9.21 64.716 1285 XL AMER GRP 544 846 122.57 135.93 5.61 70.317 626 ACE LTD GRP 431 438 6.21 1.26 4.44 74.768 31 BERKSHIRE HATHAWAY GRP 393 519 -1.56 7.34 4.05 78.809 150 OLD REPUBLIC GRP 382 349 -11.39 -12.86 3.93 82.7410 1279 ARCH INS GRP 310 333 26.42 29.04 3.20 85.94

**STATE TOTAL** 9,706 10,142 57.75 61.50 100.00 100.00. .





StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 761 ALLIANZ INS GRP 1,805 1,514 127.24 122.72 18.34 39.323 31 BERKSHIRE HATHAWAY GRP 822 1,067 -7.25 11.60 8.35 47.674 984 HCC INS HOLDINGS GRP 769 851 116.91 198.62 7.81 55.485 626 ACE LTD GRP 741 737 11.73 9.67 7.53 63.026 150 OLD REPUBLIC GRP 709 735 -50.26 -63.95 7.20 70.227 361 MUNICH RE GRP 694 575 -45.36 -50.69 7.05 77.278 111 LIBERTY MUT GRP 445 471 -1.20 -0.77 4.53 81.809 38 CHUBB & SON INC GRP 375 265 18.96 19.23 3.81 85.6110 181 SWISS RE GRP 274 235 38.02 49.29 2.78 88.39

**STATE TOTAL** 9,840 9,608 33.95 41.90 100.00 100.00. .

Nevada 1 12 AMERICAN INTL GRP 4,008 3,608 63.97 71.66 15.49 15.492 31 BERKSHIRE HATHAWAY GRP 3,657 3,876 2.98 3.59 14.14 29.633 761 ALLIANZ INS GRP 2,927 3,595 39.28 42.01 11.32 40.954 1279 ARCH INS GRP 2,136 2,063 39.73 46.41 8.26 49.205 1285 XL AMER GRP 2,086 3,354 54.81 69.46 8.06 57.276 626 ACE LTD GRP 1,500 1,569 -5.55 -9.54 5.80 63.067 361 MUNICH RE GRP 1,369 1,165 20.39 17.25 5.29 68.358 984 HCC INS HOLDINGS GRP 1,345 1,490 -37.15 -28.94 5.20 73.559 4574 CATLIN US INS GRP 1,208 767 21.63 23.22 4.67 78.2210 98 WR BERKLEY CORP GRP 1,151 1,045 35.74 41.80 4.45 82.67

**STATE TOTAL** 25,869 26,862 30.27 33.09 100.00 100.00. .

New Hampshire 1 12 AMERICAN INTL GRP 1,183 1,409 26.33 25.94 14.87 14.872 761 ALLIANZ INS GRP 1,028 950 132.23 132.82 12.93 27.813 31 BERKSHIRE HATHAWAY GRP 870 1,110 48.22 67.98 10.94 38.754 626 ACE LTD GRP 691 712 7.48 3.17 8.70 47.445 150 OLD REPUBLIC GRP 577 604 -20.64 -49.12 7.25 54.696 984 HCC INS HOLDINGS GRP 576 596 33.93 41.61 7.25 61.947 361 MUNICH RE GRP 522 722 -4.52 -8.20 6.56 68.518 111 LIBERTY MUT GRP 522 644 60.19 65.50 6.56 75.079 38 CHUBB & SON INC GRP 421 328 502.29 507.54 5.29 80.3610 98 WR BERKLEY CORP GRP 367 258 54.73 58.75 4.62 84.98

**STATE TOTAL** 7,952 8,320 51.67 52.66 100.00 100.00. .

New Jersey 1 31 BERKSHIRE HATHAWAY GRP 12,744 12,963 26.85 34.32 23.80 23.802 626 ACE LTD GRP 11,753 11,722 2.42 3.27 21.95 45.753 111 LIBERTY MUT GRP 11,495 11,209 32.22 39.77 21.47 67.224 12 AMERICAN INTL GRP 4,732 4,805 -16.77 -15.30 8.84 76.065 1285 XL AMER GRP 1,840 2,207 63.48 81.58 3.44 79.496 984 HCC INS HOLDINGS GRP 1,810 1,932 1.86 -12.55 3.38 82.887 361 MUNICH RE GRP 1,751 1,884 9.02 12.12 3.27 86.158 761 ALLIANZ INS GRP 1,653 1,722 318.42 360.17 3.09 89.239 1279 ARCH INS GRP 1,199 1,077 548.92 555.24 2.24 91.4710 150 OLD REPUBLIC GRP 906 987 32.37 40.79 1.69 93.17

**STATE TOTAL** 53,542 53,670 44.58 51.35 100.00 100.00. .

New Mexico 1 12 AMERICAN INTL GRP 1,558 1,607 13.51 13.23 19.01 19.012 984 HCC INS HOLDINGS GRP 1,208 1,314 28.15 45.66 14.74 33.753 150 OLD REPUBLIC GRP 860 1,038 764.40 777.07 10.50 44.244 4574 CATLIN US INS GRP 583 275 21.63 23.22 7.12 51.365 761 ALLIANZ INS GRP 570 1,000 29.45 24.12 6.96 58.326 626 ACE LTD GRP 561 549 10.45 4.17 6.85 65.177 38 CHUBB & SON INC GRP 542 399 -3.12 -12.69 6.62 71.798 3478 HALLMARK FIN SERV GRP 503 474 49.33 49.33 6.13 77.929 1285 XL AMER GRP 356 721 -64.46 -72.59 4.35 82.2710 31 BERKSHIRE HATHAWAY GRP 328 482 33.24 50.55 4.00 86.26

**STATE TOTAL** 8,195 9,097 108.13 112.25 100.00 100.00. .

New York 1 12 AMERICAN INTL GRP 67,966 20,664 10.06 22.57 56.53 56.532 31 BERKSHIRE HATHAWAY GRP 9,023 10,024 108.28 144.55 7.51 64.043 761 ALLIANZ INS GRP 7,660 7,119 50.89 55.40 6.37 70.414 626 ACE LTD GRP 5,733 5,657 14.86 23.09 4.77 75.185 1285 XL AMER GRP 4,770 5,827 -3.10 6.45 3.97 79.146 361 MUNICH RE GRP 4,332 4,228 77.51 76.73 3.60 82.75




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 111 LIBERTY MUT GRP 3,590 3,862 202.25 258.33 2.99 85.738 984 HCC INS HOLDINGS GRP 3,324 3,466 60.54 63.80 2.77 88.509 98 WR BERKLEY CORP GRP 2,614 2,514 40.96 45.54 2.17 90.6710 1279 ARCH INS GRP 2,579 2,284 43.04 46.49 2.15 92.82

**STATE TOTAL** 120,225 73,276 60.74 75.16 100.00 100.00. .

North Carolina 1 761 ALLIANZ INS GRP 9,947 8,453 34.66 37.64 18.08 18.082 12 AMERICAN INTL GRP 9,680 10,885 -26.82 -22.94 17.60 35.683 1285 XL AMER GRP 4,508 3,825 -5.52 -2.07 8.20 43.884 361 MUNICH RE GRP 4,403 3,605 -10.12 -13.11 8.01 51.885 31 BERKSHIRE HATHAWAY GRP 4,380 5,576 -11.59 -1.00 7.96 59.846 984 HCC INS HOLDINGS GRP 3,626 4,086 86.68 106.66 6.59 66.447 150 OLD REPUBLIC GRP 3,314 3,353 77.97 109.95 6.02 72.468 1279 ARCH INS GRP 2,656 1,667 43.34 47.07 4.83 77.299 38 CHUBB & SON INC GRP 1,980 2,942 95.33 94.85 3.60 80.8910 626 ACE LTD GRP 1,845 1,853 8.83 11.25 3.35 84.24

**STATE TOTAL** 55,007 53,696 12.51 18.53 100.00 100.00. .

North Dakota 1 12 AMERICAN INTL GRP 2,751 2,506 82.41 89.41 31.62 31.622 761 ALLIANZ INS GRP 2,537 2,315 53.96 53.83 29.16 60.793 150 OLD REPUBLIC GRP 509 512 123.28 159.45 5.85 66.634 31 BERKSHIRE HATHAWAY GRP 497 572 144.34 223.01 5.71 72.345 984 HCC INS HOLDINGS GRP 428 411 66.79 122.31 4.92 77.266 626 ACE LTD GRP 347 342 2.07 2.04 3.99 81.247 111 LIBERTY MUT GRP 337 356 685.81 1027.17 3.87 85.128 38 CHUBB & SON INC GRP 282 223 82.89 84.62 3.25 88.369 4574 CATLIN US INS GRP 240 125 21.63 23.22 2.76 91.1310 1285 XL AMER GRP 240 320 -18.56 -20.38 2.76 93.89

**STATE TOTAL** 8,699 8,275 99.21 130.61 100.00 100.00. .

Ohio 1 12 AMERICAN INTL GRP 6,789 7,668 62.07 85.59 14.72 14.722 761 ALLIANZ INS GRP 6,204 5,937 74.48 82.36 13.45 28.183 31 BERKSHIRE HATHAWAY GRP 5,342 6,283 2.84 11.55 11.59 39.764 1285 XL AMER GRP 4,860 6,040 -2.51 9.68 10.54 50.305 626 ACE LTD GRP 3,732 3,770 10.68 19.79 8.09 58.406 361 MUNICH RE GRP 2,976 3,232 16.16 18.81 6.45 64.857 111 LIBERTY MUT GRP 2,784 3,108 11.73 16.64 6.04 70.898 150 OLD REPUBLIC GRP 2,651 2,517 -21.84 -15.08 5.75 76.649 984 HCC INS HOLDINGS GRP 2,354 2,776 35.43 62.64 5.11 81.7410 38 CHUBB & SON INC GRP 1,647 1,786 117.15 137.23 3.57 85.32

**STATE TOTAL** 46,109 48,954 35.98 49.26 100.00 100.00. .

Oklahoma 1 12 AMERICAN INTL GRP 4,341 4,355 27.64 29.91 21.38 21.382 761 ALLIANZ INS GRP 2,755 2,716 17.99 16.07 13.57 34.953 150 OLD REPUBLIC GRP 1,848 1,871 -1.07 -1.79 9.10 44.064 984 HCC INS HOLDINGS GRP 1,641 1,848 5.78 3.61 8.08 52.145 31 BERKSHIRE HATHAWAY GRP 1,258 1,465 1.26 -1.96 6.20 58.346 626 ACE LTD GRP 1,138 1,107 11.46 8.75 5.60 63.947 361 MUNICH RE GRP 995 1,051 41.30 43.28 4.90 68.848 1285 XL AMER GRP 988 1,901 124.23 157.67 4.86 73.719 4574 CATLIN US INS GRP 954 417 21.63 23.29 4.70 78.4110 38 CHUBB & SON INC GRP 750 552 14.00 -6.98 3.69 82.10

**STATE TOTAL** 20,300 20,611 27.74 29.73 100.00 100.00. .

Oregon 1 12 AMERICAN INTL GRP 8,296 9,567 -36.16 -27.78 23.42 23.422 761 ALLIANZ INS GRP 4,740 5,091 60.97 66.50 13.38 36.803 984 HCC INS HOLDINGS GRP 4,140 4,452 -0.96 10.75 11.68 48.484 1285 XL AMER GRP 2,715 3,560 96.72 102.38 7.66 56.155 38 CHUBB & SON INC GRP 2,297 2,751 64.11 65.09 6.48 62.636 4574 CATLIN US INS GRP 2,030 1,126 37.45 39.08 5.73 68.367 31 BERKSHIRE HATHAWAY GRP 1,712 1,879 44.51 52.88 4.83 73.198 626 ACE LTD GRP 1,471 1,491 1.58 -3.80 4.15 77.359 4670 STARR GRP 1,381 540 16.34 17.97 3.90 81.2410 98 WR BERKLEY CORP GRP 1,358 929 109.80 121.77 3.83 85.08

**STATE TOTAL** 35,428 36,438 20.30 25.41 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%



2 31 BERKSHIRE HATHAWAY GRP 5,155 5,877 13.56 14.31 12.83 30.343 761 ALLIANZ INS GRP 4,385 4,150 24.35 25.70 10.92 41.264 626 ACE LTD GRP 3,592 3,938 61.97 108.65 8.94 50.205 1285 XL AMER GRP 3,078 3,632 3.63 16.77 7.66 57.866 111 LIBERTY MUT GRP 2,981 2,964 29.86 31.67 7.42 65.297 361 MUNICH RE GRP 2,715 2,530 16.57 6.47 6.76 72.058 150 OLD REPUBLIC GRP 2,209 2,371 6.75 33.07 5.50 77.559 984 HCC INS HOLDINGS GRP 2,023 2,763 56.77 93.16 5.04 82.5910 38 CHUBB & SON INC GRP 1,022 678 58.82 83.53 2.54 85.13

**STATE TOTAL** 40,164 42,423 30.09 43.94 100.00 100.00. .

Rhode Island 1 761 ALLIANZ INS GRP 7,558 7,558 85.25 91.57 35.82 35.822 12 AMERICAN INTL GRP 7,304 7,019 56.56 75.99 34.61 70.433 1285 XL AMER GRP 1,939 2,265 32.74 37.87 9.19 79.634 31 BERKSHIRE HATHAWAY GRP 1,105 1,141 40.15 87.35 5.24 84.865 626 ACE LTD GRP 1,065 1,185 -1.36 25.01 5.05 89.916 111 LIBERTY MUT GRP 1,063 1,057 29.70 62.92 5.04 94.947 4670 STARR GRP 203 60 16.34 17.97 0.96 95.908 98 WR BERKLEY CORP GRP 190 80 -1.25 -1.44 0.90 96.819 984 HCC INS HOLDINGS GRP 151 187 -868.52 -880.58 0.71 97.5210 3548 TRAVELERS GRP 121 60 42.44 49.03 0.57 98.09

**STATE TOTAL** 21,101 21,020 44.24 60.22 100.00 100.00. .

South Carolina 1 12 AMERICAN INTL GRP 1,741 1,981 54.64 64.09 14.98 14.982 150 OLD REPUBLIC GRP 1,252 1,279 12.59 17.75 10.77 25.753 761 ALLIANZ INS GRP 1,221 1,277 47.48 51.32 10.50 36.254 31 BERKSHIRE HATHAWAY GRP 1,159 1,483 16.11 18.49 9.97 46.225 984 HCC INS HOLDINGS GRP 1,088 1,331 36.80 40.84 9.36 55.586 361 MUNICH RE GRP 855 812 16.33 14.53 7.36 62.947 626 ACE LTD GRP 789 778 9.42 8.21 6.78 69.728 111 LIBERTY MUT GRP 673 882 20.26 25.57 5.79 75.529 1285 XL AMER GRP 559 734 1.83 -0.35 4.81 80.3310 4574 CATLIN US INS GRP 514 211 21.63 23.22 4.42 84.75

**STATE TOTAL** 11,624 12,501 36.30 39.83 100.00 100.00. .

South Dakota 1 12 AMERICAN INTL GRP 969 1,125 32.69 40.95 19.42 19.422 761 ALLIANZ INS GRP 886 775 81.78 85.73 17.76 37.183 150 OLD REPUBLIC GRP 635 620 15.42 23.26 12.73 49.924 984 HCC INS HOLDINGS GRP 584 567 38.13 44.12 11.71 61.625 31 BERKSHIRE HATHAWAY GRP 341 354 71.75 90.55 6.84 68.466 626 ACE LTD GRP 331 331 5.78 4.25 6.64 75.107 38 CHUBB & SON INC GRP 277 183 60.89 68.33 5.55 80.658 111 LIBERTY MUT GRP 276 267 101.51 109.67 5.54 86.199 4574 CATLIN US INS GRP 207 91 21.63 23.22 4.15 90.3410 3478 HALLMARK FIN SERV GRP 97 97 44.59 44.59 1.94 92.28

**STATE TOTAL** 4,990 5,004 41.65 47.86 100.00 100.00. .

Tennessee 1 12 AMERICAN INTL GRP 11,252 10,475 101.52 104.37 27.02 27.022 31 BERKSHIRE HATHAWAY GRP 5,994 5,785 142.98 143.31 14.40 41.423 1285 XL AMER GRP 3,675 3,306 85.95 94.33 8.83 50.254 761 ALLIANZ INS GRP 3,439 2,669 42.85 45.70 8.26 58.515 1279 ARCH INS GRP 1,988 1,644 134.86 138.47 4.77 63.286 98 WR BERKLEY CORP GRP 1,886 1,261 108.98 111.57 4.53 67.817 150 OLD REPUBLIC GRP 1,842 1,910 16.13 5.74 4.42 72.238 984 HCC INS HOLDINGS GRP 1,745 1,933 44.95 56.11 4.19 76.439 361 MUNICH RE GRP 1,619 1,588 5.25 2.08 3.89 80.3110 626 ACE LTD GRP 1,425 1,462 56.52 78.72 3.42 83.74

**STATE TOTAL** 41,638 37,453 70.22 69.84 100.00 100.00. .

Texas 1 761 ALLIANZ INS GRP 33,106 30,311 69.15 74.89 17.74 17.742 12 AMERICAN INTL GRP 30,626 40,795 83.30 100.57 16.41 34.163 1285 XL AMER GRP 15,425 17,329 -0.96 2.02 8.27 42.424 361 MUNICH RE GRP 14,740 11,483 8.07 5.53 7.90 50.32




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 31 BERKSHIRE HATHAWAY GRP 13,953 16,339 31.71 39.31 7.48 57.806 984 HCC INS HOLDINGS GRP 11,885 12,018 59.58 69.40 6.37 64.177 626 ACE LTD GRP 11,362 11,307 -20.76 -23.14 6.09 70.268 111 LIBERTY MUT GRP 9,179 9,531 20.93 28.60 4.92 75.189 1279 ARCH INS GRP 8,158 8,305 101.51 110.07 4.37 79.5510 38 CHUBB & SON INC GRP 7,028 6,538 51.83 56.14 3.77 83.32

**STATE TOTAL** 186,589 191,472 44.85 53.94 100.00 100.00. .

Utah 1 761 ALLIANZ INS GRP 3,624 3,687 56.74 63.28 16.81 16.812 31 BERKSHIRE HATHAWAY GRP 2,946 3,070 81.69 83.57 13.66 30.473 12 AMERICAN INTL GRP 2,652 2,986 42.64 48.95 12.30 42.774 150 OLD REPUBLIC GRP 1,449 1,503 52.07 69.85 6.72 49.495 98 WR BERKLEY CORP GRP 1,447 1,398 5.69 11.15 6.71 56.206 38 CHUBB & SON INC GRP 1,266 1,655 78.77 80.17 5.87 62.077 984 HCC INS HOLDINGS GRP 1,173 1,282 -11.78 -12.84 5.44 67.518 1285 XL AMER GRP 1,069 1,363 17.78 34.71 4.96 72.479 626 ACE LTD GRP 906 908 11.74 8.77 4.20 76.6710 1279 ARCH INS GRP 885 916 123.23 128.86 4.10 80.77

**STATE TOTAL** 21,563 21,940 55.59 60.76 100.00 100.00. .

Vermont 1 12 AMERICAN INTL GRP 791 809 10.86 11.45 31.58 31.582 31 BERKSHIRE HATHAWAY GRP 248 222 120.53 125.33 9.91 41.493 984 HCC INS HOLDINGS GRP 233 260 35.11 36.53 9.32 50.814 626 ACE LTD GRP 221 186 14.46 7.75 8.83 59.645 98 WR BERKLEY CORP GRP 163 87 17.88 18.30 6.53 66.176 408 AMERICAN NATL FIN GRP 148 182 2.70 2.70 5.89 72.067 1279 ARCH INS GRP 140 86 35.31 37.59 5.60 77.668 38 CHUBB & SON INC GRP 137 233 19.85 20.34 5.48 83.149 93 STATE NATL GRP 93 39 0.00 0.00 3.72 86.8610 111 LIBERTY MUT GRP 92 92 290.79 298.71 3.68 90.54

**STATE TOTAL** 2,504 2,507 28.30 29.24 100.00 100.00. .

Virginia 1 12 AMERICAN INTL GRP 9,410 8,407 4.33 14.86 26.01 26.012 761 ALLIANZ INS GRP 5,245 3,891 135.65 147.25 14.50 40.523 31 BERKSHIRE HATHAWAY GRP 3,944 4,072 -3.87 -1.52 10.90 51.424 1285 XL AMER GRP 3,311 3,267 -26.64 -23.62 9.15 60.575 150 OLD REPUBLIC GRP 2,153 2,146 15.46 25.38 5.95 66.536 984 HCC INS HOLDINGS GRP 2,085 2,400 60.46 67.95 5.77 72.297 626 ACE LTD GRP 1,814 1,866 -17.94 -31.87 5.02 77.318 98 WR BERKLEY CORP GRP 1,523 1,287 66.90 77.00 4.21 81.529 111 LIBERTY MUT GRP 1,272 1,370 -7.20 -8.75 3.52 85.0310 361 MUNICH RE GRP 1,143 1,167 11.80 7.52 3.16 88.19

**STATE TOTAL** 36,170 33,908 21.71 27.78 100.00 100.00. .

Washington 1 12 AMERICAN INTL GRP 17,745 18,326 29.92 39.20 28.69 28.692 761 ALLIANZ INS GRP 16,535 16,674 47.91 56.87 26.74 55.433 31 BERKSHIRE HATHAWAY GRP 3,961 4,319 50.18 57.77 6.40 61.834 984 HCC INS HOLDINGS GRP 3,352 3,554 -25.16 -12.54 5.42 67.255 38 CHUBB & SON INC GRP 2,732 2,465 4.63 -39.38 4.42 71.676 1285 XL AMER GRP 2,629 3,266 44.29 42.05 4.25 75.927 150 OLD REPUBLIC GRP 2,362 2,517 60.87 71.04 3.82 79.748 626 ACE LTD GRP 2,343 2,339 -190.04 -206.32 3.79 83.539 111 LIBERTY MUT GRP 1,790 1,671 31.63 33.09 2.89 86.4210 1279 ARCH INS GRP 1,708 1,687 41.56 44.74 2.76 89.18

**STATE TOTAL** 61,845 64,046 24.91 29.07 100.00 100.00. .

West Virginia 1 12 AMERICAN INTL GRP 737 752 -23.08 -24.86 18.60 18.602 38 CHUBB & SON INC GRP 457 441 28.07 28.47 11.54 30.143 626 ACE LTD GRP 352 366 11.20 1.66 8.87 39.014 1285 XL AMER GRP 348 504 60.49 60.32 8.79 47.805 150 OLD REPUBLIC GRP 291 286 33.01 42.11 7.35 55.156 984 HCC INS HOLDINGS GRP 290 338 40.12 58.22 7.32 62.477 31 BERKSHIRE HATHAWAY GRP 264 269 -0.02 0.27 6.67 69.148 761 ALLIANZ INS GRP 235 266 134.92 142.32 5.93 75.069 4574 CATLIN US INS GRP 220 72 21.63 23.75 5.55 80.61




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 3478 HALLMARK FIN SERV GRP 168 156 47.21 53.61 4.23 84.84**STATE TOTAL** 3,964 4,042 24.88 26.65 100.00 100.00

. .Wisconsin 1 12 AMERICAN INTL GRP 2,631 2,904 42.39 50.00 12.79 12.79

2 761 ALLIANZ INS GRP 2,460 2,737 45.04 45.89 11.96 24.753 984 HCC INS HOLDINGS GRP 2,209 2,361 5.52 8.61 10.74 35.484 150 OLD REPUBLIC GRP 2,164 2,061 -26.10 -37.00 10.52 46.005 31 BERKSHIRE HATHAWAY GRP 1,832 2,412 9.76 5.70 8.90 54.916 1285 XL AMER GRP 1,714 2,174 17.82 11.95 8.33 63.247 626 ACE LTD GRP 1,451 1,390 87.09 87.53 7.05 70.298 361 MUNICH RE GRP 1,267 1,411 13.41 10.37 6.16 76.459 111 LIBERTY MUT GRP 993 1,163 10.79 9.10 4.83 81.2710 4574 CATLIN US INS GRP 755 352 21.63 23.32 3.67 84.94

**STATE TOTAL** 20,575 21,971 10.12 9.69 100.00 100.00. .

Wyoming 1 12 AMERICAN INTL GRP 818 933 22.89 23.74 16.14 16.142 984 HCC INS HOLDINGS GRP 612 694 88.95 94.01 12.07 28.213 761 ALLIANZ INS GRP 601 571 16.87 15.56 11.86 40.074 1285 XL AMER GRP 548 608 28.48 38.88 10.82 50.895 31 BERKSHIRE HATHAWAY GRP 435 469 6.11 7.92 8.58 59.476 98 WR BERKLEY CORP GRP 266 269 30.47 32.30 5.24 64.717 38 CHUBB & SON INC GRP 229 159 67.41 73.31 4.51 69.228 361 MUNICH RE GRP 195 129 3.28 -0.15 3.84 73.069 4574 CATLIN US INS GRP 190 82 21.63 23.22 3.76 76.8110 150 OLD REPUBLIC GRP 185 228 -15.28 -24.46 3.66 80.47

**STATE TOTAL** 5,069 5,054 20.34 23.48 100.00 100.00. .


Guam **STATE TOTAL** 240 239 17.19 25.90 100.00 100.00. .

Puerto Rico 1 626 ACE LTD GRP 2,203 2,683 4.28 -24.08 35.57 35.572 12 AMERICAN INTL GRP 1,108 1,408 96.24 108.07 17.89 53.463 3098 TOKIO MARINE HOLDINGS INC GRP 1,050 1,146 12.38 13.31 16.95 70.424 31 BERKSHIRE HATHAWAY GRP 713 487 27.56 27.15 11.50 81.925 984 HCC INS HOLDINGS GRP 563 549 18.52 30.42 9.10 91.026 2978 MITSUI SUMITOMO INS GRP 184 159 22.47 25.80 2.97 93.987 1285 XL AMER GRP 142 118 40.74 53.79 2.29 96.278 111 LIBERTY MUT GRP 112 99 0.00 0.00 1.81 98.089 98 WR BERKLEY CORP GRP 56 35 754.18 939.18 0.90 98.9810 12588 PRIME INS CO 52 78 -7.55 -7.55 0.84 99.82

**STATE TOTAL** 6,194 6,773 33.05 26.72 100.00 100.00. .

U.S. Virgin Islands 1 98 WR BERKLEY CORP GRP 340 291 19.52 20.56 49.51 49.512 1285 XL AMER GRP 144 105 7.39 10.02 20.90 70.413 31 BERKSHIRE HATHAWAY GRP 137 56 109.33 122.01 19.91 90.32

**STATE TOTAL** 687 561 64.79 69.76 100.00 100.00. .

Canada 1 761 ALLIANZ INS GRP 35,698 28,132 93.31 101.10 49.57 49.572 181 SWISS RE GRP 18,655 18,449 132.39 136.02 25.90 75.473 31 BERKSHIRE HATHAWAY GRP 16,025 24,898 86.80 87.30 22.25 97.724 1279 ARCH INS GRP 1,262 1,251 94.26 99.62 1.75 99.475 98 WR BERKLEY CORP GRP 254 268 27.82 31.39 0.35 99.82

**STATE TOTAL** 72,020 73,094 103.71 108.40 100.00 100.00. .

Aggregate Other Alien 1 1279 ARCH INS GRP 21,159 20,566 179.53 184.52 27.70 27.702 4509 IRONSHORE GRP 18,638 1,553 48.15 53.50 24.40 52.103 12 AMERICAN INTL GRP 7,990 8,803 1.73 11.59 10.46 62.564 1285 XL AMER GRP 7,637 7,717 -46.61 -39.20 10.00 72.555 761 ALLIANZ INS GRP 4,358 4,201 220.24 251.12 5.70 78.266 984 HCC INS HOLDINGS GRP 4,304 4,475 198.10 211.21 5.63 83.897 1120 EVEREST REINS HOLDINGS GRP 2,819 1,375 59.40 60.00 3.69 87.588 749 SCOR GRP 1,800 225 71.87 76.79 2.36 89.949 626 ACE LTD GRP 1,637 1,636 156.66 61.84 2.14 92.0810 31 BERKSHIRE HATHAWAY GRP 1,510 1,401 2.86 7.32 1.98 94.06




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 76,391 54,391 77.85 81.39 100.00 100.00. .




23— Fidelity



States, U.S. Territories, Canada, and Aggregate Other Alien23-Fidelity



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 38 CHUBB & SON INC GRP 253,396 258,285 73.37 71.32 22.62 22.622 3548 TRAVELERS GRP 170,990 178,158 5.79 11.69 15.26 37.893 12 AMERICAN INTL GRP 126,321 137,756 63.24 59.72 11.28 49.164 212 ZURICH INS GRP 87,894 95,736 56.31 58.42 7.85 57.015 306 CUNA MUT GRP 86,490 86,890 83.34 84.35 7.72 64.736 84 AMERICAN FINANCIAL GRP 84,343 76,362 15.14 10.42 7.53 72.267 218 CNA INS GRP 57,270 56,250 52.69 54.25 5.11 77.378 91 HARTFORD FIRE & CAS GRP 55,700 58,622 20.06 37.91 4.97 82.359 111 LIBERTY MUT GRP 21,578 20,550 21.16 18.72 1.93 84.2710 626 ACE LTD GRP 20,274 17,368 32.50 43.67 1.81 86.0811 783 RLI INS GRP 11,611 8,083 36.16 51.02 1.04 87.1212 155 PROGRESSIVE GRP 11,424 12,034 21.09 22.97 1.02 88.1413 11268 ICI MUT INS CO RRG 10,512 11,375 -1.72 -2.11 0.94 89.0814 3416 AXIS CAPITAL GRP 9,677 7,780 5.83 8.04 0.86 89.9415 244 CINCINNATI FIN GRP 8,878 9,194 167.56 175.72 0.79 90.7316 984 HCC INS HOLDINGS GRP 6,556 6,517 -44.76 -29.50 0.59 91.3217 158 FAIRFAX FIN GRP 6,529 12,591 197.72 206.90 0.58 91.9018 18538 BANCINSURE INC 6,342 6,605 104.55 104.55 0.57 92.4719 98 WR BERKLEY CORP GRP 6,045 2,919 35.00 36.85 0.54 93.0120 150 OLD REPUBLIC GRP 5,657 5,764 17.75 19.76 0.51 93.5121 242 SELECTIVE INS GRP 5,261 5,156 41.55 43.02 0.47 93.9822 7 FEDERATED MUT GRP 5,094 5,339 48.86 50.47 0.45 94.4423 31 BERKSHIRE HATHAWAY GRP 4,870 5,018 61.09 61.08 0.43 94.8724 176 STATE FARM GRP 4,589 4,351 3.97 5.32 0.41 95.2825 677 PHILADELPHIA CONSOLIDATED HOLDING GR 4,526 3,686 43.16 43.16 0.40 95.6926 1279 ARCH INS GRP 3,894 3,578 58.59 65.92 0.35 96.0327 10758 COLONIAL SURETY CO 3,566 3,282 -9.14 -7.53 0.32 96.3528 62 EMC INS CO GRP 3,551 3,548 36.00 36.48 0.32 96.6729 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 3,448 3,578 44.99 45.21 0.31 96.9830 228 WESTFIELD GRP 3,323 3,303 25.49 25.51 0.30 97.2731 280 AUTO OWNERS GRP 3,052 2,993 15.44 26.94 0.27 97.5532 1129 WHITE MOUNTAINS GRP 2,646 2,364 46.54 62.46 0.24 97.7833 169 SENTRY INS GRP 2,372 2,519 103.80 108.88 0.21 97.9934 175 STATE AUTO MUT GRP 1,763 1,836 4.99 0.06 0.16 98.1535 140 NATIONWIDE CORP GRP 1,525 1,595 -1.23 -0.71 0.14 98.2936 501 ALLEGHANY GRP 1,481 1,612 1.35 2.07 0.13 98.4237 796 QBE INS GRP 1,473 1,408 -27.34 -23.11 0.13 98.5538 311 MAIN STREET AMER GRP 1,453 1,413 6.79 8.44 0.13 98.6839 1243 WEST BEND MUT GRP 1,180 1,046 17.63 16.91 0.11 98.7940 3362 FIRST ACCEPTANCE INS GRP 1,117 1,110 43.48 45.30 0.10 98.8941 30805 FARM CREDIT SYSTEM ASSN CAPTIVE INS 1,037 1,037 349.92 351.14 0.09 98.9842 88 THE HANOVER INS GRP 846 2,799 25.88 30.11 0.08 99.0543 213 ERIE INS GRP 820 720 -3.91 -2.92 0.07 99.1344 15792 UNDERWRITERS AT LLOYDS LONDON 818 1,161 387.41 407.02 0.07 99.2045 14184 ACUITY A MUT INS CO 768 775 3.45 18.51 0.07 99.2746 11118 FEDERATED RURAL ELECTRIC INS EXCH 667 667 172.66 176.41 0.06 99.3347 291 MOTORISTS MUT GRP 651 614 43.16 47.46 0.06 99.3948 271 PENNSYLVANIA NATL INS GRP 610 646 -5.60 1.12 0.05 99.4449 201 UTICA GRP 553 801 -2.54 -4.64 0.05 99.4950 153 PEKIN INS GRP 490 498 22.92 23.06 0.04 99.5351 3488 J A PATTERSON GRP 475 202 -12.50 -5.78 0.04 99.5852 11021 INDIANA OLD NATL INS CO 379 353 2334.74 2334.74 0.03 99.6153 14974 PENNSYLVANIA LUMBERMENS MUT INS 371 320 19.95 19.95 0.03 99.6454 474 FCCI MUT INS GRP 344 327 122.11 129.52 0.03 99.6755 4670 STARR GRP 319 64 34.53 45.90 0.03 99.7056 8 ALLSTATE INS GRP 273 271 29.04 29.04 0.02 99.7357 16411 COOPERATIVE MUT INS CO 263 249 6.83 36.29 0.02 99.7558 181 SWISS RE GRP 231 277 -8.24 -13.08 0.02 99.7759 473 AMERICAN FAMILY INS GRP 228 199 2.99 5.07 0.02 99.7960 23 BCS INS GRP 194 194 20.52 33.72 0.02 99.8161 124 AMERISURE CO GRP 173 174 -35.39 -34.92 0.02 99.8262 3098 TOKIO MARINE HOLDINGS INC GRP 159 211 47.05 40.42 0.01 99.8463 3593 USIC GRP 154 393 0.00 0.00 0.01 99.8564 361 MUNICH RE GRP 133 132 -238.90 -233.64 0.01 99.8665 225 IAT REINS CO GRP 127 110 39.73 45.98 0.01 99.87




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 248 UNITED FIRE & CAS GRP 127 131 -12.64 -13.47 0.01 99.8967 11592 INTERNATIONAL FIDELITY INS CO 112 119 0.28 0.34 0.01 99.90

**INDUSTRY TOTAL** 1,120,160 1,142,596 48.99 50.66 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 38 CHUBB & SON INC GRP 2,763 3,144 37.35 33.44 23.31 23.312 3548 TRAVELERS GRP 2,208 2,156 40.29 52.81 18.64 41.953 306 CUNA MUT GRP 1,856 1,881 97.13 94.27 15.66 57.604 212 ZURICH INS GRP 944 1,014 15.28 31.58 7.96 65.575 218 CNA INS GRP 655 472 1.82 2.11 5.53 71.096 84 AMERICAN FINANCIAL GRP 613 482 -1.54 0.17 5.17 76.267 91 HARTFORD FIRE & CAS GRP 424 496 140.16 516.08 3.58 79.848 12 AMERICAN INTL GRP 301 324 119.43 113.52 2.54 82.389 155 PROGRESSIVE GRP 210 265 17.54 16.77 1.77 84.1610 626 ACE LTD GRP 208 61 25.44 37.12 1.76 85.92

**STATE TOTAL** 11,851 12,013 82.24 102.70 100.00 100.00. .

Alaska 1 38 CHUBB & SON INC GRP 413 461 4.95 3.17 21.64 21.642 306 CUNA MUT GRP 250 248 1160.07 1232.55 13.12 34.763 91 HARTFORD FIRE & CAS GRP 201 205 -14.91 23.12 10.51 45.274 12 AMERICAN INTL GRP 174 166 -2.96 -8.60 9.11 54.395 218 CNA INS GRP 169 187 -12.06 -16.22 8.85 63.236 3548 TRAVELERS GRP 117 126 -33.75 -32.71 6.14 69.377 176 STATE FARM GRP 107 105 5.72 10.12 5.62 74.998 84 AMERICAN FINANCIAL GRP 95 100 97.95 90.67 5.00 79.999 212 ZURICH INS GRP 93 100 466.53 477.90 4.89 84.8810 155 PROGRESSIVE GRP 90 46 17.89 28.67 4.71 89.59

**STATE TOTAL** 1,908 1,974 191.93 204.89 100.00 100.00. .

Arizona 1 38 CHUBB & SON INC GRP 2,205 2,365 12.06 9.40 21.61 21.612 3548 TRAVELERS GRP 1,321 1,367 -33.44 -31.25 12.95 34.553 306 CUNA MUT GRP 1,026 1,011 41.54 32.89 10.05 44.614 12 AMERICAN INTL GRP 926 1,012 -33.54 -39.43 9.07 53.685 91 HARTFORD FIRE & CAS GRP 741 810 12.07 14.32 7.26 60.946 218 CNA INS GRP 727 602 -1.09 0.89 7.12 68.067 84 AMERICAN FINANCIAL GRP 708 778 -27.99 -37.08 6.94 75.008 212 ZURICH INS GRP 543 776 436.88 436.66 5.32 80.329 626 ACE LTD GRP 529 504 207.81 215.00 5.18 85.5010 783 RLI INS GRP 178 141 25.77 30.03 1.75 87.25

**STATE TOTAL** 10,205 10,646 45.13 42.14 100.00 100.00. .

Arkansas 1 3548 TRAVELERS GRP 1,711 2,042 58.55 77.11 22.05 22.052 12 AMERICAN INTL GRP 1,685 1,697 0.02 0.17 21.71 43.763 38 CHUBB & SON INC GRP 988 1,123 30.59 28.32 12.73 56.494 218 CNA INS GRP 744 699 -6.33 -5.91 9.59 66.085 212 ZURICH INS GRP 565 547 5.90 5.83 7.28 73.366 306 CUNA MUT GRP 467 462 10.16 9.68 6.02 79.387 84 AMERICAN FINANCIAL GRP 314 594 -17.49 -23.42 4.05 83.428 626 ACE LTD GRP 190 211 175.42 179.94 2.45 85.889 91 HARTFORD FIRE & CAS GRP 162 142 5.90 28.33 2.09 87.9710 18538 BANCINSURE INC 140 171 1163.15 1163.15 1.81 89.77

**STATE TOTAL** 7,759 8,439 46.80 51.22 100.00 100.00. .

California 1 38 CHUBB & SON INC GRP 29,079 28,610 57.98 56.35 25.44 25.442 12 AMERICAN INTL GRP 15,525 17,308 71.96 72.83 13.58 39.023 3548 TRAVELERS GRP 12,784 13,706 -15.83 -11.73 11.18 50.214 212 ZURICH INS GRP 10,351 10,693 62.62 64.31 9.06 59.265 306 CUNA MUT GRP 9,767 9,873 66.29 63.07 8.54 67.806 84 AMERICAN FINANCIAL GRP 9,492 8,355 0.81 -4.73 8.30 76.117 91 HARTFORD FIRE & CAS GRP 8,018 8,429 25.06 39.47 7.01 83.128 218 CNA INS GRP 5,191 5,206 5.52 5.80 4.54 87.679 11268 ICI MUT INS CO RRG 1,663 2,060 -1.50 -1.84 1.45 89.1210 626 ACE LTD GRP 1,622 1,623 47.88 48.00 1.42 90.54

**STATE TOTAL** 114,306 118,066 41.90 42.91 100.00 100.00. .

Colorado 1 3548 TRAVELERS GRP 3,631 3,934 63.53 70.88 20.62 20.622 38 CHUBB & SON INC GRP 2,687 2,775 -6.83 -9.90 15.26 35.873 84 AMERICAN FINANCIAL GRP 1,964 1,990 26.30 27.02 11.16 47.034 12 AMERICAN INTL GRP 1,516 1,835 56.99 76.87 8.61 55.645 212 ZURICH INS GRP 1,269 1,405 74.81 72.18 7.21 62.84




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 306 CUNA MUT GRP 1,108 1,175 74.87 82.59 6.29 69.147 218 CNA INS GRP 1,083 1,068 108.56 107.48 6.15 75.288 30805 FARM CREDIT SYSTEM ASSN CAPTIVE INS 1,037 1,037 349.92 351.14 5.89 81.179 91 HARTFORD FIRE & CAS GRP 937 972 19.23 21.69 5.32 86.4910 31 BERKSHIRE HATHAWAY GRP 271 305 25.46 25.46 1.54 88.03

**STATE TOTAL** 17,610 18,613 52.34 56.11 100.00 100.00. .

Connecticut 1 38 CHUBB & SON INC GRP 7,419 7,249 12.05 8.98 23.77 23.772 84 AMERICAN FINANCIAL GRP 7,034 5,961 47.51 35.12 22.54 46.313 3548 TRAVELERS GRP 4,495 4,557 -17.46 -8.80 14.40 60.714 12 AMERICAN INTL GRP 3,455 3,845 -8.21 -25.71 11.07 71.785 212 ZURICH INS GRP 2,368 2,503 20.92 22.11 7.59 79.376 91 HARTFORD FIRE & CAS GRP 1,648 1,794 28.83 122.94 5.28 84.657 306 CUNA MUT GRP 1,091 1,114 140.10 141.36 3.49 88.148 218 CNA INS GRP 891 1,022 -36.16 -35.83 2.85 91.009 626 ACE LTD GRP 771 760 26.04 31.20 2.47 93.4710 111 LIBERTY MUT GRP 585 567 30.58 30.65 1.87 95.34

**STATE TOTAL** 31,210 30,648 17.85 19.63 100.00 100.00. .

Delaware 1 3548 TRAVELERS GRP 895 876 9.77 25.53 18.88 18.882 12 AMERICAN INTL GRP 747 1,599 166.87 159.18 15.76 34.643 626 ACE LTD GRP 595 556 56.38 64.01 12.56 47.194 38 CHUBB & SON INC GRP 528 521 5.06 3.01 11.13 58.325 783 RLI INS GRP 299 257 33.67 37.42 6.31 64.636 306 CUNA MUT GRP 281 297 14.72 15.88 5.94 70.577 91 HARTFORD FIRE & CAS GRP 213 234 1.89 222.25 4.49 75.068 218 CNA INS GRP 209 260 -0.08 -1.35 4.40 79.469 984 HCC INS HOLDINGS GRP 178 160 5.51 5.51 3.75 83.2210 212 ZURICH INS GRP 151 180 293.28 293.03 3.17 86.39

**STATE TOTAL** 4,741 5,598 70.98 81.27 100.00 100.00. .

District of Columbia 1 212 ZURICH INS GRP 3,226 3,508 42.38 42.90 22.64 22.642 38 CHUBB & SON INC GRP 2,520 2,525 22.83 17.37 17.69 40.333 3548 TRAVELERS GRP 2,444 2,600 -9.07 -2.22 17.15 57.484 12 AMERICAN INTL GRP 2,110 2,161 -165.71 -237.85 14.81 72.295 84 AMERICAN FINANCIAL GRP 1,208 786 40.24 38.59 8.48 80.766 306 CUNA MUT GRP 651 655 40.76 21.35 4.57 85.337 218 CNA INS GRP 430 408 2469.85 2475.55 3.02 88.358 91 HARTFORD FIRE & CAS GRP 406 426 120.16 122.41 2.85 91.209 3416 AXIS CAPITAL GRP 403 229 52.53 64.50 2.83 94.0210 783 RLI INS GRP 282 150 33.70 37.45 1.98 96.00

**STATE TOTAL** 14,249 14,042 46.37 35.72 100.00 100.00. .

Florida 1 3548 TRAVELERS GRP 9,096 9,651 101.90 109.86 17.47 17.472 38 CHUBB & SON INC GRP 9,016 9,261 122.96 118.64 17.32 34.793 12 AMERICAN INTL GRP 6,368 6,371 2.36 5.36 12.23 47.024 212 ZURICH INS GRP 5,229 5,247 58.88 59.19 10.04 57.065 91 HARTFORD FIRE & CAS GRP 4,064 4,170 -34.34 -46.87 7.81 64.876 218 CNA INS GRP 3,727 3,733 79.14 88.52 7.16 72.037 306 CUNA MUT GRP 2,944 3,034 130.36 134.69 5.65 77.688 84 AMERICAN FINANCIAL GRP 2,737 2,760 0.81 8.65 5.26 82.949 150 OLD REPUBLIC GRP 1,613 1,621 17.72 21.92 3.10 86.0410 783 RLI INS GRP 1,098 576 51.12 125.40 2.11 88.14

**STATE TOTAL** 52,065 53,249 66.90 70.88 100.00 100.00. .

Georgia 1 38 CHUBB & SON INC GRP 7,381 7,508 61.70 60.57 25.74 25.742 3548 TRAVELERS GRP 4,459 4,658 11.75 14.19 15.55 41.293 12 AMERICAN INTL GRP 4,252 3,943 1.27 -17.13 14.83 56.124 218 CNA INS GRP 1,916 1,775 -8.73 -11.13 6.68 62.805 212 ZURICH INS GRP 1,645 1,708 38.75 39.66 5.74 68.546 91 HARTFORD FIRE & CAS GRP 1,584 1,648 26.32 28.72 5.52 74.067 84 AMERICAN FINANCIAL GRP 1,550 1,363 -5.49 -11.75 5.40 79.468 306 CUNA MUT GRP 1,483 1,515 64.07 64.42 5.17 84.649 3416 AXIS CAPITAL GRP 498 409 47.54 59.41 1.74 86.3710 626 ACE LTD GRP 479 453 7.56 12.68 1.67 88.04




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 28,673 28,447 29.93 28.47 100.00 100.00. .

Hawaii 1 306 CUNA MUT GRP 1,087 1,092 14.78 13.01 25.58 25.582 12 AMERICAN INTL GRP 828 1,030 -8.28 -9.26 19.49 45.073 218 CNA INS GRP 594 566 -10.42 -9.95 13.98 59.054 3548 TRAVELERS GRP 439 462 22.01 25.01 10.32 69.375 84 AMERICAN FINANCIAL GRP 315 142 -19.28 -25.57 7.41 76.786 38 CHUBB & SON INC GRP 259 261 -2.42 -4.68 6.09 82.877 212 ZURICH INS GRP 223 324 1.56 1.44 5.25 88.128 176 STATE FARM GRP 125 133 -11.19 -11.19 2.94 91.069 626 ACE LTD GRP 116 36 -4.38 3.14 2.74 93.8010 155 PROGRESSIVE GRP 75 82 7.34 7.33 1.76 95.56

**STATE TOTAL** 4,249 4,348 4.61 4.35 100.00 100.00. .

Idaho 1 306 CUNA MUT GRP 565 595 57.98 55.60 23.09 23.092 38 CHUBB & SON INC GRP 459 390 -0.04 -1.61 18.78 41.873 3548 TRAVELERS GRP 396 406 -1.08 6.49 16.18 58.054 218 CNA INS GRP 268 268 -17.73 -20.12 10.97 69.025 212 ZURICH INS GRP 157 207 24.53 24.19 6.44 75.466 84 AMERICAN FINANCIAL GRP 146 126 -21.54 -40.56 5.95 81.417 12 AMERICAN INTL GRP 122 155 1440.33 1434.85 4.98 86.398 91 HARTFORD FIRE & CAS GRP 87 96 3.77 4.16 3.54 89.939 244 CINCINNATI FIN GRP 49 48 1.70 3.19 1.99 91.9210 140 NATIONWIDE CORP GRP 30 30 -2.13 -3.50 1.23 93.15

**STATE TOTAL** 2,445 2,541 101.80 101.15 100.00 100.00. .

Illinois 1 38 CHUBB & SON INC GRP 16,497 16,613 53.26 50.49 29.10 29.102 3548 TRAVELERS GRP 9,696 10,080 -29.07 -25.09 17.10 46.203 12 AMERICAN INTL GRP 5,974 6,350 -69.63 -79.16 10.54 56.744 212 ZURICH INS GRP 3,895 3,872 29.60 30.06 6.87 63.615 84 AMERICAN FINANCIAL GRP 2,980 3,158 7.28 5.61 5.26 68.876 306 CUNA MUT GRP 2,773 2,787 148.41 150.57 4.89 73.767 91 HARTFORD FIRE & CAS GRP 2,770 3,107 86.76 105.22 4.89 78.648 218 CNA INS GRP 2,217 2,092 39.50 45.85 3.91 82.559 244 CINCINNATI FIN GRP 869 1,218 81.56 87.08 1.53 84.0910 15792 UNDERWRITERS AT LLOYDS LONDON 818 1,161 387.41 407.02 1.44 85.53

**STATE TOTAL** 56,693 58,374 48.33 50.05 100.00 100.00. .

Indiana 1 38 CHUBB & SON INC GRP 3,555 3,673 13.64 10.72 23.00 23.002 3548 TRAVELERS GRP 2,828 2,888 22.09 30.73 18.30 41.303 212 ZURICH INS GRP 1,543 1,828 81.38 79.72 9.98 51.284 306 CUNA MUT GRP 1,401 1,493 87.48 90.81 9.06 60.345 12 AMERICAN INTL GRP 854 887 38.56 37.36 5.52 65.876 218 CNA INS GRP 805 744 -2.74 -2.83 5.21 71.077 244 CINCINNATI FIN GRP 615 558 10.97 23.54 3.98 75.058 91 HARTFORD FIRE & CAS GRP 492 506 4.69 6.69 3.18 78.239 84 AMERICAN FINANCIAL GRP 440 396 166.07 155.64 2.85 81.0810 111 LIBERTY MUT GRP 432 475 9.15 11.46 2.80 83.88

**STATE TOTAL** 15,457 16,106 87.08 88.71 100.00 100.00. .

Iowa 1 3548 TRAVELERS GRP 2,052 1,915 11.90 22.22 20.99 20.992 38 CHUBB & SON INC GRP 1,704 1,752 54.74 57.54 17.44 38.423 306 CUNA MUT GRP 774 790 -29.94 -30.79 7.92 46.344 62 EMC INS CO GRP 770 777 57.05 58.20 7.87 54.225 12 AMERICAN INTL GRP 729 978 828.62 836.65 7.46 61.686 212 ZURICH INS GRP 406 442 90.47 93.01 4.15 65.837 91 HARTFORD FIRE & CAS GRP 316 307 36.35 38.80 3.23 69.068 150 OLD REPUBLIC GRP 302 303 1.76 2.90 3.09 72.159 18538 BANCINSURE INC 290 321 103.27 103.27 2.97 75.1210 155 PROGRESSIVE GRP 261 302 57.28 59.05 2.67 77.79

**STATE TOTAL** 9,775 9,912 118.73 123.00 100.00 100.00. .

Kansas 1 3548 TRAVELERS GRP 1,632 1,626 -19.37 -10.38 15.84 15.842 31 BERKSHIRE HATHAWAY GRP 1,380 1,396 73.73 73.73 13.39 29.233 38 CHUBB & SON INC GRP 1,125 1,153 -2.52 -3.07 10.91 40.14




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 12 AMERICAN INTL GRP 1,020 743 77.58 67.97 9.90 50.045 212 ZURICH INS GRP 990 985 54.17 57.13 9.61 59.656 306 CUNA MUT GRP 848 901 35.33 34.44 8.23 67.887 91 HARTFORD FIRE & CAS GRP 785 779 14.16 16.17 7.62 75.508 218 CNA INS GRP 593 611 66.71 107.98 5.75 81.259 62 EMC INS CO GRP 441 440 6.15 6.25 4.28 85.5310 11268 ICI MUT INS CO RRG 330 250 -2.46 -3.02 3.20 88.73

**STATE TOTAL** 10,306 10,055 31.80 35.28 100.00 100.00. .

Kentucky 1 38 CHUBB & SON INC GRP 1,885 2,071 183.50 182.35 21.75 21.752 3548 TRAVELERS GRP 1,348 1,357 41.83 49.36 15.55 37.303 12 AMERICAN INTL GRP 729 743 -13.77 -16.89 8.41 45.704 111 LIBERTY MUT GRP 627 773 37.20 30.86 7.24 52.945 212 ZURICH INS GRP 610 923 20.63 22.25 7.04 59.986 306 CUNA MUT GRP 557 563 25.93 26.64 6.42 66.417 218 CNA INS GRP 504 468 -1.71 -4.11 5.81 72.228 84 AMERICAN FINANCIAL GRP 341 300 -25.22 -35.77 3.94 76.169 18538 BANCINSURE INC 312 304 102.22 102.22 3.60 79.7610 244 CINCINNATI FIN GRP 307 278 -34.12 -29.44 3.55 83.31

**STATE TOTAL** 8,668 9,359 50.69 51.32 100.00 100.00. .

Louisiana 1 3548 TRAVELERS GRP 3,119 2,918 6.17 18.59 25.88 25.882 212 ZURICH INS GRP 2,346 2,115 25.00 29.07 19.47 45.353 306 CUNA MUT GRP 1,791 1,781 4.34 3.23 14.87 60.224 38 CHUBB & SON INC GRP 1,135 1,335 71.06 69.64 9.42 69.635 84 AMERICAN FINANCIAL GRP 1,091 502 4.39 1.35 9.05 78.696 218 CNA INS GRP 863 838 6.52 6.99 7.16 85.847 12 AMERICAN INTL GRP 377 414 125.55 130.12 3.13 88.978 91 HARTFORD FIRE & CAS GRP 241 273 14.79 18.56 2.00 90.989 155 PROGRESSIVE GRP 164 260 97.94 97.01 1.36 92.3410 18538 BANCINSURE INC 141 148 110.78 110.78 1.17 93.51

**STATE TOTAL** 12,050 11,251 23.08 27.05 100.00 100.00. .

Maine 1 3548 TRAVELERS GRP 1,027 857 -8.76 -3.80 32.30 32.302 306 CUNA MUT GRP 817 846 11.04 10.07 25.70 58.003 212 ZURICH INS GRP 359 443 61.73 65.24 11.27 69.284 38 CHUBB & SON INC GRP 265 219 244.12 242.39 8.34 77.615 12 AMERICAN INTL GRP 154 118 15.00 14.70 4.85 82.466 91 HARTFORD FIRE & CAS GRP 116 125 1.41 0.01 3.64 86.107 218 CNA INS GRP 104 110 -17.92 -18.18 3.27 89.388 155 PROGRESSIVE GRP 97 53 -8.30 -8.28 3.03 92.419 1129 WHITE MOUNTAINS GRP 83 36 290.92 305.55 2.60 95.0110 84 AMERICAN FINANCIAL GRP 45 35 -4.36 -4.60 1.40 96.42

**STATE TOTAL** 3,181 3,091 29.89 32.56 100.00 100.00. .

Maryland 1 38 CHUBB & SON INC GRP 3,842 4,116 62.34 60.75 19.17 19.172 3548 TRAVELERS GRP 3,668 3,787 20.28 25.23 18.30 37.473 306 CUNA MUT GRP 1,871 1,890 32.76 33.61 9.34 46.804 212 ZURICH INS GRP 1,740 2,046 24.05 30.82 8.68 55.485 91 HARTFORD FIRE & CAS GRP 1,656 1,404 31.45 32.90 8.26 63.756 12 AMERICAN INTL GRP 1,574 1,641 3.42 0.22 7.85 71.607 218 CNA INS GRP 1,042 955 34.30 33.35 5.20 76.808 11268 ICI MUT INS CO RRG 1,023 1,174 -1.62 -1.99 5.11 81.909 84 AMERICAN FINANCIAL GRP 869 624 -8.39 -25.08 4.34 86.2410 626 ACE LTD GRP 430 414 43.03 46.96 2.15 88.39

**STATE TOTAL** 20,043 20,416 29.08 30.13 100.00 100.00. .

Massachusetts 1 38 CHUBB & SON INC GRP 8,183 8,303 97.66 100.06 23.70 23.702 3548 TRAVELERS GRP 7,170 7,144 -44.50 -38.16 20.76 44.463 12 AMERICAN INTL GRP 3,685 4,055 68.60 68.53 10.67 55.134 91 HARTFORD FIRE & CAS GRP 2,178 2,307 -127.54 -107.85 6.31 61.435 84 AMERICAN FINANCIAL GRP 1,925 1,943 38.00 36.33 5.57 67.016 218 CNA INS GRP 1,753 2,021 345.32 345.24 5.08 72.097 306 CUNA MUT GRP 1,686 1,713 128.87 130.00 4.88 76.978 212 ZURICH INS GRP 1,592 1,889 91.77 94.78 4.61 81.58




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 11268 ICI MUT INS CO RRG 1,455 1,549 -1.75 -2.15 4.21 85.7910 626 ACE LTD GRP 1,325 1,252 -14.65 -13.71 3.84 89.63

**STATE TOTAL** 34,533 35,019 45.00 48.44 100.00 100.00. .

Michigan 1 38 CHUBB & SON INC GRP 6,712 6,784 48.45 46.61 21.21 21.212 3548 TRAVELERS GRP 4,203 4,271 -16.74 -11.99 13.28 34.483 306 CUNA MUT GRP 3,652 3,743 215.39 227.06 11.54 46.024 12 AMERICAN INTL GRP 3,142 3,121 -47.99 -53.73 9.93 55.955 212 ZURICH INS GRP 2,643 2,680 24.85 27.13 8.35 64.306 84 AMERICAN FINANCIAL GRP 2,532 1,872 41.50 41.56 8.00 72.307 91 HARTFORD FIRE & CAS GRP 1,635 1,838 30.21 31.59 5.17 77.468 218 CNA INS GRP 1,431 1,307 15.50 23.98 4.52 81.989 783 RLI INS GRP 670 486 36.46 40.51 2.12 84.1010 626 ACE LTD GRP 524 528 20.14 24.58 1.65 85.75

**STATE TOTAL** 31,652 31,473 36.45 38.69 100.00 100.00. .

Minnesota 1 38 CHUBB & SON INC GRP 6,538 6,773 62.53 61.15 27.15 27.152 12 AMERICAN INTL GRP 3,141 4,123 29.67 28.76 13.04 40.193 3548 TRAVELERS GRP 2,887 3,456 81.21 93.03 11.99 52.184 306 CUNA MUT GRP 1,556 1,602 80.90 71.14 6.46 58.645 218 CNA INS GRP 1,444 1,526 -27.59 -19.66 6.00 64.636 84 AMERICAN FINANCIAL GRP 1,334 1,275 -13.39 -21.45 5.54 70.177 91 HARTFORD FIRE & CAS GRP 1,256 1,339 30.57 34.48 5.21 75.388 212 ZURICH INS GRP 761 921 -11.68 -0.56 3.16 78.549 783 RLI INS GRP 545 171 40.75 45.46 2.26 80.8110 626 ACE LTD GRP 494 386 -6.36 -4.31 2.05 82.86

**STATE TOTAL** 24,082 25,822 -0.32 0.72 100.00 100.00. .

Mississippi 1 3548 TRAVELERS GRP 2,015 2,196 14.56 22.03 29.03 29.032 38 CHUBB & SON INC GRP 1,480 1,543 33.10 35.29 21.32 50.353 212 ZURICH INS GRP 843 958 209.67 221.74 12.15 62.504 306 CUNA MUT GRP 735 740 16.14 10.91 10.60 73.095 218 CNA INS GRP 401 385 -4.11 -4.95 5.78 78.876 155 PROGRESSIVE GRP 363 286 8.13 11.95 5.23 84.107 18538 BANCINSURE INC 146 158 191.62 191.62 2.10 86.208 3416 AXIS CAPITAL GRP 108 118 94.71 116.29 1.55 87.759 84 AMERICAN FINANCIAL GRP 90 65 -31.64 -23.93 1.30 89.0510 12 AMERICAN INTL GRP 87 95 -29.57 -11.78 1.25 90.30

**STATE TOTAL** 6,940 7,243 47.56 52.49 100.00 100.00. .

Missouri 1 38 CHUBB & SON INC GRP 5,483 5,870 52.50 51.60 27.15 27.152 3548 TRAVELERS GRP 4,342 4,403 4.48 13.75 21.50 48.643 212 ZURICH INS GRP 1,849 1,955 30.06 34.34 9.15 57.794 91 HARTFORD FIRE & CAS GRP 1,330 1,436 15.25 31.39 6.59 64.385 218 CNA INS GRP 1,174 1,018 -10.49 -10.93 5.81 70.196 306 CUNA MUT GRP 1,063 1,114 18.34 19.24 5.26 75.457 12 AMERICAN INTL GRP 1,042 1,027 -2.80 -5.85 5.16 80.618 31 BERKSHIRE HATHAWAY GRP 870 924 120.44 120.44 4.31 84.929 84 AMERICAN FINANCIAL GRP 567 498 -6.43 -26.20 2.81 87.7310 111 LIBERTY MUT GRP 261 276 16.19 18.83 1.29 89.02

**STATE TOTAL** 20,198 20,727 29.87 33.00 100.00 100.00. .

Montana 1 3548 TRAVELERS GRP 628 652 46.03 55.23 23.57 23.572 306 CUNA MUT GRP 465 495 52.78 43.60 17.44 41.003 18538 BANCINSURE INC 283 298 502.55 502.55 10.64 51.644 155 PROGRESSIVE GRP 252 151 16.79 18.52 9.47 61.115 38 CHUBB & SON INC GRP 232 276 11.66 10.44 8.70 69.816 218 CNA INS GRP 204 193 -5.39 -4.99 7.64 77.457 84 AMERICAN FINANCIAL GRP 134 128 -6.62 -15.75 5.05 82.498 12 AMERICAN INTL GRP 133 142 4.93 3.85 5.00 87.509 62 EMC INS CO GRP 58 58 -16.94 -17.66 2.19 89.6910 212 ZURICH INS GRP 50 54 -20.54 -19.05 1.89 91.58

**STATE TOTAL** 2,665 2,704 84.58 86.12 100.00 100.00. .

Nebraska 1 38 CHUBB & SON INC GRP 1,496 1,415 18.09 16.97 21.09 21.09




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 3548 TRAVELERS GRP 1,257 1,179 7.50 19.48 17.73 38.823 31 BERKSHIRE HATHAWAY GRP 657 687 18.24 18.24 9.27 48.094 212 ZURICH INS GRP 542 513 29.84 33.83 7.65 55.735 12 AMERICAN INTL GRP 519 570 -7.21 -9.67 7.32 63.056 306 CUNA MUT GRP 493 500 -95.07 -117.13 6.95 70.007 91 HARTFORD FIRE & CAS GRP 375 465 346.49 406.95 5.28 75.288 218 CNA INS GRP 345 353 -4.56 -3.00 4.87 80.159 84 AMERICAN FINANCIAL GRP 262 310 -8.08 -19.59 3.70 83.8510 62 EMC INS CO GRP 167 169 24.57 24.69 2.35 86.20

**STATE TOTAL** 7,092 7,088 30.66 34.79 100.00 100.00. .

Nevada 1 84 AMERICAN FINANCIAL GRP 1,731 1,655 12.68 7.68 25.03 25.032 38 CHUBB & SON INC GRP 1,182 1,230 414.66 381.71 17.10 42.133 12 AMERICAN INTL GRP 830 739 117.15 120.58 12.00 54.134 3548 TRAVELERS GRP 747 754 16.97 24.80 10.80 64.945 306 CUNA MUT GRP 582 598 567.78 589.37 8.42 73.356 91 HARTFORD FIRE & CAS GRP 408 442 -373.45 -373.36 5.90 79.257 218 CNA INS GRP 352 336 -367.68 -362.40 5.09 84.348 212 ZURICH INS GRP 318 338 12.13 10.67 4.60 88.949 158 FAIRFAX FIN GRP 223 429 118.12 147.08 3.23 92.1810 626 ACE LTD GRP 108 83 36.55 39.86 1.56 93.73

**STATE TOTAL** 6,914 7,090 105.57 103.84 100.00 100.00. .

New Hampshire 1 3548 TRAVELERS GRP 652 698 4.03 13.52 21.54 21.542 38 CHUBB & SON INC GRP 524 530 208.66 207.56 17.33 38.883 306 CUNA MUT GRP 299 312 93.98 103.75 9.90 48.774 212 ZURICH INS GRP 285 365 39.14 51.03 9.42 58.195 155 PROGRESSIVE GRP 237 135 8.53 8.55 7.85 66.046 91 HARTFORD FIRE & CAS GRP 182 233 28.08 27.94 6.01 72.057 12 AMERICAN INTL GRP 134 170 544.47 559.18 4.43 76.498 311 MAIN STREET AMER GRP 117 107 1.01 1.35 3.87 80.359 84 AMERICAN FINANCIAL GRP 91 95 -11.73 -25.97 2.99 83.3410 218 CNA INS GRP 83 86 7.83 9.54 2.73 86.08

**STATE TOTAL** 3,026 3,152 83.46 88.48 100.00 100.00. .

New Jersey 1 38 CHUBB & SON INC GRP 10,309 10,692 91.07 89.67 23.92 23.922 12 AMERICAN INTL GRP 5,307 5,825 134.16 133.14 12.32 36.243 3548 TRAVELERS GRP 5,053 5,295 -60.80 -61.64 11.73 47.974 212 ZURICH INS GRP 4,062 4,676 68.42 72.06 9.43 57.395 84 AMERICAN FINANCIAL GRP 4,016 3,696 -5.40 -12.84 9.32 66.716 91 HARTFORD FIRE & CAS GRP 3,651 3,700 34.98 36.65 8.47 75.197 218 CNA INS GRP 2,673 2,542 3.87 -9.41 6.20 81.398 306 CUNA MUT GRP 1,658 1,691 263.92 285.44 3.85 85.249 242 SELECTIVE INS GRP 1,223 1,240 10.46 12.81 2.84 88.0810 626 ACE LTD GRP 944 864 111.75 123.44 2.19 90.27

**STATE TOTAL** 43,091 44,416 58.58 58.75 100.00 100.00. .

New Mexico 1 3548 TRAVELERS GRP 839 724 16.05 22.11 22.00 22.002 306 CUNA MUT GRP 716 777 49.99 50.39 18.79 40.783 218 CNA INS GRP 384 343 -3.39 -4.07 10.07 50.854 91 HARTFORD FIRE & CAS GRP 296 315 1.25 0.71 7.77 58.625 38 CHUBB & SON INC GRP 278 284 -290.83 -295.26 7.29 65.926 12 AMERICAN INTL GRP 189 203 -28.51 -37.40 4.96 70.887 111 LIBERTY MUT GRP 184 139 -7.27 -17.19 4.82 75.708 212 ZURICH INS GRP 182 244 19.65 20.89 4.78 80.489 84 AMERICAN FINANCIAL GRP 165 112 2745.00 2749.64 4.33 84.8110 7 FEDERATED MUT GRP 72 85 18.82 18.92 1.89 86.70

**STATE TOTAL** 3,813 3,831 75.15 75.56 100.00 100.00. .

New York 1 38 CHUBB & SON INC GRP 30,773 30,455 156.90 156.59 21.66 21.662 12 AMERICAN INTL GRP 21,759 24,498 122.87 124.51 15.32 36.983 3548 TRAVELERS GRP 17,981 18,587 -58.13 -60.09 12.66 49.634 84 AMERICAN FINANCIAL GRP 17,372 17,130 4.94 1.11 12.23 61.865 212 ZURICH INS GRP 12,096 12,738 58.96 61.89 8.51 70.386 218 CNA INS GRP 8,838 8,396 53.03 57.09 6.22 76.60




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 91 HARTFORD FIRE & CAS GRP 5,272 5,584 31.96 53.35 3.71 80.318 306 CUNA MUT GRP 4,844 4,994 71.37 69.26 3.41 83.729 626 ACE LTD GRP 4,292 3,368 30.16 34.69 3.02 86.7410 783 RLI INS GRP 2,764 1,950 33.19 57.76 1.95 88.68

**STATE TOTAL** 142,067 143,585 74.92 77.06 100.00 100.00. .

North Carolina 1 38 CHUBB & SON INC GRP 4,595 4,587 30.95 30.31 17.29 17.292 3548 TRAVELERS GRP 4,463 4,603 -3.66 -2.79 16.79 34.083 12 AMERICAN INTL GRP 3,622 3,515 98.47 98.30 13.63 47.704 212 ZURICH INS GRP 1,942 2,065 37.75 40.52 7.31 55.015 84 AMERICAN FINANCIAL GRP 1,800 1,560 3.11 -4.14 6.77 61.786 306 CUNA MUT GRP 1,439 1,448 45.02 41.44 5.42 67.207 218 CNA INS GRP 1,340 1,361 1.42 1.11 5.04 72.248 91 HARTFORD FIRE & CAS GRP 1,164 1,269 174.74 210.21 4.38 76.629 626 ACE LTD GRP 1,071 776 41.83 49.06 4.03 80.6510 3416 AXIS CAPITAL GRP 878 696 -68.26 -85.04 3.30 83.95

**STATE TOTAL** 26,579 25,775 38.68 40.50 100.00 100.00. .

North Dakota 1 306 CUNA MUT GRP 492 495 127.13 131.12 25.16 25.162 3548 TRAVELERS GRP 351 451 29.90 92.58 17.97 43.133 38 CHUBB & SON INC GRP 230 286 -51.07 -30.70 11.78 54.914 18538 BANCINSURE INC 179 265 -212.09 -212.09 9.15 64.065 218 CNA INS GRP 159 133 27.03 24.61 8.15 72.206 84 AMERICAN FINANCIAL GRP 100 75 44.98 56.22 5.11 77.317 62 EMC INS CO GRP 63 63 47.51 48.62 3.22 80.538 212 ZURICH INS GRP 47 111 13.82 14.96 2.38 82.919 7 FEDERATED MUT GRP 41 41 77.90 81.04 2.08 84.9910 244 CINCINNATI FIN GRP 40 41 41.68 45.15 2.05 87.04

**STATE TOTAL** 1,954 2,294 15.09 31.99 100.00 100.00. .

Ohio 1 38 CHUBB & SON INC GRP 8,981 8,846 312.51 310.12 24.78 24.782 3548 TRAVELERS GRP 5,881 6,326 52.24 66.23 16.23 41.003 12 AMERICAN INTL GRP 3,519 3,579 -10.29 -11.65 9.71 50.714 306 CUNA MUT GRP 2,405 2,383 14.97 16.88 6.63 57.345 212 ZURICH INS GRP 2,202 2,654 -0.50 -4.01 6.07 63.426 84 AMERICAN FINANCIAL GRP 1,501 1,361 25.21 20.56 4.14 67.567 244 CINCINNATI FIN GRP 1,425 1,633 517.22 520.36 3.93 71.498 218 CNA INS GRP 1,355 1,530 -9.31 -12.92 3.74 75.239 228 WESTFIELD GRP 1,256 1,274 -2.92 -2.88 3.46 78.6910 91 HARTFORD FIRE & CAS GRP 1,209 1,216 -10.01 -5.26 3.33 82.03

**STATE TOTAL** 36,247 36,836 95.55 92.05 100.00 100.00. .

Oklahoma 1 3548 TRAVELERS GRP 1,652 1,778 25.13 46.19 19.54 19.542 38 CHUBB & SON INC GRP 1,627 1,665 2.87 1.46 19.24 38.783 306 CUNA MUT GRP 844 840 64.62 57.59 9.99 48.774 84 AMERICAN FINANCIAL GRP 604 632 1.52 1.92 7.15 55.925 218 CNA INS GRP 595 546 0.31 -0.50 7.04 62.966 18538 BANCINSURE INC 594 542 -40.42 -40.42 7.02 69.987 212 ZURICH INS GRP 525 547 74.55 76.51 6.21 76.198 12 AMERICAN INTL GRP 510 510 568.05 595.43 6.04 82.239 91 HARTFORD FIRE & CAS GRP 330 349 2.03 3.95 3.91 86.1310 31 BERKSHIRE HATHAWAY GRP 311 327 81.71 81.71 3.68 89.82

**STATE TOTAL** 8,454 8,737 53.72 59.18 100.00 100.00. .

Oregon 1 38 CHUBB & SON INC GRP 1,965 2,085 111.83 101.83 23.69 23.692 3548 TRAVELERS GRP 1,331 1,445 5.67 7.96 16.05 39.743 306 CUNA MUT GRP 1,138 1,212 37.87 36.29 13.72 53.464 212 ZURICH INS GRP 582 819 42.53 45.75 7.01 60.475 91 HARTFORD FIRE & CAS GRP 529 542 53.56 56.20 6.38 66.856 218 CNA INS GRP 483 487 0.04 -1.50 5.83 72.677 12 AMERICAN INTL GRP 422 396 -22.53 -23.85 5.09 77.778 84 AMERICAN FINANCIAL GRP 282 324 -6.38 -6.22 3.40 81.179 150 OLD REPUBLIC GRP 227 227 5.64 6.14 2.74 83.9010 155 PROGRESSIVE GRP 205 154 63.24 64.79 2.47 86.37

**STATE TOTAL** 8,296 8,925 33.50 32.19 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Pennsylvania 1 38 CHUBB & SON INC GRP 9,706 9,875 89.63 88.34 20.49 20.49

2 3548 TRAVELERS GRP 7,660 8,538 -10.33 -6.10 16.17 36.673 12 AMERICAN INTL GRP 5,015 5,183 -14.03 -17.48 10.59 47.254 212 ZURICH INS GRP 4,789 5,505 58.71 61.64 10.11 57.375 306 CUNA MUT GRP 4,443 4,571 16.41 17.84 9.38 66.756 84 AMERICAN FINANCIAL GRP 2,208 1,662 -2.16 -10.86 4.66 71.417 218 CNA INS GRP 1,971 1,999 -16.78 -21.41 4.16 75.578 11268 ICI MUT INS CO RRG 1,879 1,879 -1.86 -2.29 3.97 79.549 91 HARTFORD FIRE & CAS GRP 1,854 2,052 24.48 30.45 3.92 83.4510 111 LIBERTY MUT GRP 950 734 10.41 12.37 2.01 85.46

**STATE TOTAL** 47,362 48,747 16.20 16.66 100.00 100.00. .

Rhode Island 1 3548 TRAVELERS GRP 974 978 -28.10 -25.38 24.17 24.172 38 CHUBB & SON INC GRP 664 642 -6.67 -3.20 16.47 40.653 12 AMERICAN INTL GRP 520 533 -92.90 -106.73 12.90 53.554 84 AMERICAN FINANCIAL GRP 389 371 9.08 3.06 9.66 63.205 212 ZURICH INS GRP 373 379 17.11 18.87 9.25 72.466 306 CUNA MUT GRP 327 356 -48.01 -48.06 8.12 80.587 91 HARTFORD FIRE & CAS GRP 252 297 3.96 5.59 6.26 86.848 218 CNA INS GRP 221 211 -9.93 -9.10 5.48 92.329 158 FAIRFAX FIN GRP 65 76 68.44 74.69 1.62 93.9410 1129 WHITE MOUNTAINS GRP 64 80 19.29 20.41 1.58 95.51

**STATE TOTAL** 4,028 4,128 -23.89 -24.86 100.00 100.00. .

South Carolina 1 3548 TRAVELERS GRP 1,941 2,110 153.13 163.65 22.51 22.512 38 CHUBB & SON INC GRP 1,451 1,553 169.48 159.13 16.83 39.343 306 CUNA MUT GRP 915 940 71.80 75.76 10.61 49.954 212 ZURICH INS GRP 720 799 34.44 36.07 8.35 58.315 91 HARTFORD FIRE & CAS GRP 718 734 22.38 25.18 8.32 66.636 218 CNA INS GRP 572 548 6.69 11.04 6.63 73.267 12 AMERICAN INTL GRP 439 473 -2.60 -0.71 5.09 78.358 84 AMERICAN FINANCIAL GRP 359 388 5.91 7.57 4.17 82.529 244 CINCINNATI FIN GRP 213 110 -60.64 -58.35 2.47 84.9810 280 AUTO OWNERS GRP 139 131 -19.72 -3.25 1.61 86.59

**STATE TOTAL** 8,623 8,890 76.97 79.66 100.00 100.00. .

South Dakota 1 3548 TRAVELERS GRP 770 743 39.16 56.17 25.76 25.762 306 CUNA MUT GRP 449 463 38.33 41.47 15.03 40.793 38 CHUBB & SON INC GRP 314 384 25.51 23.93 10.49 51.284 218 CNA INS GRP 312 301 -5.11 -5.22 10.44 61.725 18538 BANCINSURE INC 297 276 40.57 40.57 9.94 71.666 212 ZURICH INS GRP 137 129 -32.98 -31.39 4.59 76.267 244 CINCINNATI FIN GRP 126 75 14.39 20.45 4.20 80.468 12 AMERICAN INTL GRP 78 75 -46.18 -51.97 2.60 83.069 91 HARTFORD FIRE & CAS GRP 57 61 -0.47 -0.20 1.91 84.9710 62 EMC INS CO GRP 38 38 53.80 53.88 1.26 86.22

**STATE TOTAL** 2,990 2,932 25.31 30.08 100.00 100.00. .

Tennessee 1 38 CHUBB & SON INC GRP 3,848 4,036 67.58 60.23 24.26 24.262 3548 TRAVELERS GRP 2,518 2,682 22.14 19.80 15.88 40.143 12 AMERICAN INTL GRP 1,662 1,699 108.03 103.56 10.48 50.624 212 ZURICH INS GRP 1,517 1,676 139.81 139.42 9.57 60.195 306 CUNA MUT GRP 1,499 1,577 78.72 83.62 9.45 69.646 218 CNA INS GRP 965 930 230.08 225.85 6.08 75.737 91 HARTFORD FIRE & CAS GRP 840 871 38.07 45.93 5.30 81.038 84 AMERICAN FINANCIAL GRP 533 410 -39.40 -63.39 3.36 84.399 18538 BANCINSURE INC 354 370 102.17 102.17 2.24 86.6210 244 CINCINNATI FIN GRP 352 368 -0.53 2.59 2.22 88.84

**STATE TOTAL** 15,857 16,425 72.77 70.23 100.00 100.00. .

Texas 1 38 CHUBB & SON INC GRP 15,108 15,303 43.06 39.36 22.65 22.652 3548 TRAVELERS GRP 9,908 9,953 26.24 31.76 14.85 37.503 84 AMERICAN FINANCIAL GRP 8,930 7,468 22.89 18.50 13.39 50.894 306 CUNA MUT GRP 6,457 6,442 75.68 72.08 9.68 60.57




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 12 AMERICAN INTL GRP 6,455 6,660 360.69 360.27 9.68 70.256 212 ZURICH INS GRP 4,918 5,379 41.69 42.18 7.37 77.627 91 HARTFORD FIRE & CAS GRP 3,792 3,857 44.46 64.15 5.69 83.318 218 CNA INS GRP 2,473 2,602 85.14 86.47 3.71 87.019 626 ACE LTD GRP 1,516 907 19.06 19.41 2.27 89.2910 18538 BANCINSURE INC 846 1,038 96.60 96.60 1.27 90.56

**STATE TOTAL** 66,702 65,835 74.61 75.65 100.00 100.00. .

Utah 1 306 CUNA MUT GRP 1,327 1,260 313.94 326.55 21.82 21.822 3548 TRAVELERS GRP 1,311 1,396 29.18 39.35 21.55 43.373 38 CHUBB & SON INC GRP 679 769 35.06 31.47 11.17 54.544 12 AMERICAN INTL GRP 625 646 59.28 64.77 10.28 64.825 218 CNA INS GRP 499 479 -2.55 -4.10 8.20 73.026 212 ZURICH INS GRP 245 273 43.93 44.30 4.03 77.057 91 HARTFORD FIRE & CAS GRP 238 293 1.60 0.95 3.92 80.978 84 AMERICAN FINANCIAL GRP 231 167 -14.33 -21.59 3.80 84.779 626 ACE LTD GRP 141 158 434.75 481.89 2.31 87.0810 150 OLD REPUBLIC GRP 119 121 1.65 2.23 1.96 89.04

**STATE TOTAL** 6,082 6,242 97.32 103.52 100.00 100.00. .

Vermont 1 626 ACE LTD GRP 758 765 66.74 76.48 28.71 28.712 3548 TRAVELERS GRP 406 453 -19.05 -15.65 15.39 44.103 306 CUNA MUT GRP 339 348 48.57 51.62 12.85 56.954 38 CHUBB & SON INC GRP 161 157 7.05 6.33 6.11 63.065 84 AMERICAN FINANCIAL GRP 135 71 3.33 6.37 5.10 68.176 12 AMERICAN INTL GRP 128 143 1.94 -20.11 4.85 73.027 244 CINCINNATI FIN GRP 119 114 135.58 138.96 4.51 77.528 98 WR BERKLEY CORP GRP 117 63 32.27 33.02 4.42 81.949 155 PROGRESSIVE GRP 108 75 4.21 0.71 4.10 86.0410 212 ZURICH INS GRP 94 106 35.94 36.41 3.57 89.62

**STATE TOTAL** 2,640 2,592 34.14 36.94 100.00 100.00. .

Virginia 1 3548 TRAVELERS GRP 5,766 5,723 31.51 36.84 20.24 20.242 38 CHUBB & SON INC GRP 4,836 4,773 24.92 23.15 16.97 37.213 306 CUNA MUT GRP 3,538 3,558 75.64 74.84 12.42 49.634 12 AMERICAN INTL GRP 2,415 2,642 -30.15 -26.60 8.48 58.115 212 ZURICH INS GRP 2,244 2,868 138.94 141.91 7.88 65.996 218 CNA INS GRP 1,460 1,489 25.10 29.40 5.12 71.117 91 HARTFORD FIRE & CAS GRP 1,423 1,520 -111.80 -49.41 4.99 76.108 84 AMERICAN FINANCIAL GRP 1,309 1,179 -7.28 -9.94 4.59 80.709 3416 AXIS CAPITAL GRP 1,281 875 74.89 91.95 4.50 85.1910 626 ACE LTD GRP 592 427 -7.34 -8.03 2.08 87.27

**STATE TOTAL** 28,491 28,557 37.37 42.53 100.00 100.00. .

Washington 1 38 CHUBB & SON INC GRP 4,047 4,386 56.79 55.68 26.57 26.572 3548 TRAVELERS GRP 2,904 3,392 33.24 34.48 19.07 45.643 306 CUNA MUT GRP 1,495 1,585 96.20 93.89 9.82 55.464 12 AMERICAN INTL GRP 1,375 1,296 30.12 21.91 9.03 64.495 212 ZURICH INS GRP 1,095 1,466 26.57 27.28 7.19 71.686 84 AMERICAN FINANCIAL GRP 1,016 887 54.70 48.94 6.67 78.357 91 HARTFORD FIRE & CAS GRP 783 833 14.25 24.11 5.14 83.498 218 CNA INS GRP 779 772 0.97 0.55 5.12 88.619 111 LIBERTY MUT GRP 307 349 22.84 23.73 2.02 90.6210 7 FEDERATED MUT GRP 200 190 1.53 0.13 1.31 91.94

**STATE TOTAL** 15,229 16,714 45.32 44.83 100.00 100.00. .

West Virginia 1 3548 TRAVELERS GRP 1,058 1,059 10.54 34.42 27.30 27.302 306 CUNA MUT GRP 867 850 127.86 124.38 22.37 49.663 38 CHUBB & SON INC GRP 529 537 9.19 8.07 13.65 63.324 212 ZURICH INS GRP 283 228 12.06 12.98 7.31 70.635 228 WESTFIELD GRP 205 217 5.50 5.49 5.29 75.926 155 PROGRESSIVE GRP 146 209 5.65 31.01 3.76 79.677 244 CINCINNATI FIN GRP 129 105 -4.31 -1.02 3.33 83.008 218 CNA INS GRP 119 124 0.40 -1.10 3.07 86.079 175 STATE AUTO MUT GRP 111 113 -24.19 -30.52 2.87 88.94




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 12 AMERICAN INTL GRP 91 107 -14.62 -18.84 2.35 91.29**STATE TOTAL** 3,875 3,920 35.72 42.42 100.00 100.00

. .Wisconsin 1 38 CHUBB & SON INC GRP 4,904 5,164 20.87 21.92 25.89 25.89

2 3548 TRAVELERS GRP 3,063 3,376 33.24 45.97 16.17 42.063 306 CUNA MUT GRP 1,880 1,927 41.56 54.83 9.93 51.994 12 AMERICAN INTL GRP 1,576 1,666 -42.82 -49.30 8.32 60.315 212 ZURICH INS GRP 1,275 1,474 31.37 32.34 6.73 67.046 84 AMERICAN FINANCIAL GRP 658 663 -9.36 -12.54 3.47 70.527 218 CNA INS GRP 627 598 -6.92 -8.05 3.31 73.838 1243 WEST BEND MUT GRP 528 464 19.07 17.24 2.79 76.619 91 HARTFORD FIRE & CAS GRP 506 553 13.51 17.54 2.67 79.2810 111 LIBERTY MUT GRP 474 461 -88.58 -90.17 2.50 81.79

**STATE TOTAL** 18,940 20,076 17.68 22.34 100.00 100.00. .

Wyoming 1 3548 TRAVELERS GRP 243 268 3.58 12.22 18.00 18.002 306 CUNA MUT GRP 241 243 62.75 66.66 17.80 35.803 218 CNA INS GRP 218 218 -8.94 -11.67 16.16 51.964 38 CHUBB & SON INC GRP 149 135 224.32 223.55 11.03 62.995 212 ZURICH INS GRP 108 107 48.95 50.45 7.99 70.986 155 PROGRESSIVE GRP 90 60 -150.52 -154.68 6.66 77.657 31 BERKSHIRE HATHAWAY GRP 51 55 7.09 7.09 3.79 81.448 18538 BANCINSURE INC 27 28 28.70 28.70 2.02 83.469 12 AMERICAN INTL GRP 25 22 -1.41 -3.38 1.88 85.3510 84 AMERICAN FINANCIAL GRP 25 30 -28.26 -35.52 1.88 87.23

**STATE TOTAL** 1,352 1,345 31.15 32.79 100.00 100.00. .

Guam 1 4672 DONGBU INS GRP 95 96 5.81 9.57 54.02 54.022 12633 CENTURY INS CO GU LTD 57 58 4.48 4.48 32.11 86.143 10758 COLONIAL SURETY CO 19 17 24.89 36.46 10.55 96.694 10972 FIRST NET INS CO 4 4 0.00 0.00 2.18 98.87

**STATE TOTAL** 176 177 -0.75 1.69 100.00 100.00. .

Puerto Rico 1 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 3,448 3,578 44.99 45.21 60.90 60.902 12 AMERICAN INTL GRP 1,177 1,355 1.71 2.20 20.79 81.693 212 ZURICH INS GRP 571 588 2.23 1.39 10.09 91.784 84 AMERICAN FINANCIAL GRP 159 158 8.77 10.18 2.81 94.605 3593 USIC GRP 154 393 0.00 0.00 2.72 97.326 3548 TRAVELERS GRP 63 101 176.78 184.53 1.11 98.437 626 ACE LTD GRP 25 22 1.66 1.66 0.45 98.878 411 MAPFRE INS GRP 18 20 0.00 0.00 0.31 99.199 343 NATIONAL INS CO GRP 17 19 82.67 81.02 0.30 99.4910 3098 TOKIO MARINE HOLDINGS INC GRP 10 9 -36.18 -49.85 0.18 99.66

**STATE TOTAL** 5,661 6,264 30.03 22.92 100.00 100.00. .

U.S. Virgin Islands 1 212 ZURICH INS GRP 31 22 -2.55 -4.10 49.01 49.012 3548 TRAVELERS GRP 15 5 -4.92 -4.67 24.42 73.433 84 AMERICAN FINANCIAL GRP 6 7 -13.56 -15.52 10.00 83.434 218 CNA INS GRP 6 6 14.51 59.53 8.81 92.245 10758 COLONIAL SURETY CO 3 2 67.03 92.92 4.23 96.476 38 CHUBB & SON INC GRP 1 1 12.97 10.59 1.47 97.947 150 OLD REPUBLIC GRP 1 1 0.00 0.00 1.36 99.29

**STATE TOTAL** 63 60 6.96 15.63 100.00 100.00. .

N. Mariana Islands 1 10972 FIRST NET INS CO 1 1 0.00 0.00 70.22 70.22**STATE TOTAL** 1 5 -4.93 -6.77 100.00 100.00

. .Canada 1 111 LIBERTY MUT GRP 6,240 5,565 28.67 50.34 62.89 62.89

2 84 AMERICAN FINANCIAL GRP 1,402 1,265 -2.76 -0.87 14.13 77.023 3548 TRAVELERS GRP 947 901 -48.38 -63.01 9.55 86.574 218 CNA INS GRP 788 808 -62.42 -62.55 7.94 94.515 1279 ARCH INS GRP 335 305 -80.42 -80.10 3.38 97.896 3416 AXIS CAPITAL GRP 111 40 55.82 68.54 1.12 99.017 98 WR BERKLEY CORP GRP 43 11 72.85 72.85 0.43 99.458 91 HARTFORD FIRE & CAS GRP 40 32 9.56 14.90 0.40 99.85




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 9,921 8,940 2.13 14.36 100.00 100.00. .

Aggregate Other Alien 1 38 CHUBB & SON INC GRP 20,673 21,804 -18.68 -19.45 55.69 55.692 12 AMERICAN INTL GRP 7,264 9,332 -47.54 -62.97 19.57 75.263 306 CUNA MUT GRP 5,237 4,112 41.51 46.69 14.11 89.374 111 LIBERTY MUT GRP 2,268 1,978 -39.18 -37.31 6.11 95.485 3548 TRAVELERS GRP 625 546 27.65 53.69 1.68 97.176 212 ZURICH INS GRP 320 348 2.75 3.55 0.86 98.037 626 ACE LTD GRP 237 230 32.54 80.45 0.64 98.678 984 HCC INS HOLDINGS GRP 184 142 972.80 985.30 0.50 99.169 218 CNA INS GRP 179 182 312.13 326.16 0.48 99.65

**STATE TOTAL** 37,119 38,839 -13.83 -16.54 100.00 100.00. .




24— Surety



States, U.S. Territories, Canada, and Aggregate Other Alien24-Surety



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 3548 TRAVELERS GRP 924,173 927,565 5.20 14.48 17.80 17.802 111 LIBERTY MUT GRP 723,214 769,581 20.70 20.62 13.93 31.723 212 ZURICH INS GRP 486,754 502,981 2.67 6.62 9.37 41.104 218 CNA INS GRP 406,141 416,532 13.47 15.96 7.82 48.925 38 CHUBB & SON INC GRP 276,977 294,385 0.53 -0.03 5.33 54.256 91 HARTFORD FIRE & CAS GRP 181,037 194,116 35.79 40.37 3.49 57.747 984 HCC INS HOLDINGS GRP 165,159 159,386 20.61 25.03 3.18 60.928 11592 INTERNATIONAL FIDELITY INS CO 117,984 117,496 14.19 16.77 2.27 63.199 626 ACE LTD GRP 109,049 107,721 13.64 15.45 2.10 65.2910 84 AMERICAN FINANCIAL GRP 104,470 104,028 21.49 26.03 2.01 67.3011 88 THE HANOVER INS GRP 100,061 96,874 63.72 72.69 1.93 69.2312 181 SWISS RE GRP 93,875 96,760 20.93 28.68 1.81 71.0413 3488 J A PATTERSON GRP 86,665 83,573 27.74 31.72 1.67 72.7014 1279 ARCH INS GRP 78,606 92,192 69.61 81.82 1.51 74.2215 12 AMERICAN INTL GRP 77,282 90,894 143.58 148.78 1.49 75.7116 783 RLI INS GRP 77,042 72,894 17.78 19.36 1.48 77.1917 228 WESTFIELD GRP 58,308 62,637 3.12 7.04 1.12 78.3118 75 INSCO INS SERVICES GRP 57,356 66,429 30.32 34.44 1.10 79.4219 3479 MERCHANTS BONDING CO GRP 55,232 54,504 6.00 8.02 1.06 80.4820 244 CINCINNATI FIN GRP 48,888 48,139 32.92 37.58 0.94 81.4221 98 WR BERKLEY CORP GRP 48,767 43,222 12.61 16.15 0.94 82.3622 501 ALLEGHANY GRP 44,523 45,446 14.42 19.84 0.86 83.2223 10916 SURETEC INS CO 41,561 40,921 13.32 16.29 0.80 84.0224 150 OLD REPUBLIC GRP 39,292 37,304 20.21 23.41 0.76 84.7725 3592 PROALLIANCE GRP 34,257 35,088 1.11 0.99 0.66 85.4326 689 BANKERS INS GRP 31,746 29,924 43.30 43.30 0.61 86.0527 922 AMERICAN ASSETS GRP 30,333 38,535 132.95 152.96 0.58 86.6328 37206 CONTRACTORS BONDING & INS CO 29,163 30,384 10.08 10.60 0.56 87.1929 13285 ALLEGHENY CAS CO 29,106 29,451 7.04 8.62 0.56 87.7530 62 EMC INS CO GRP 28,716 29,639 15.68 17.20 0.55 88.3131 36650 GUARANTEE CO OF N AMER USA 28,444 29,295 8.95 12.55 0.55 88.8532 26310 GRANITE RE INC 22,280 22,260 26.16 26.16 0.43 89.2833 248 UNITED FIRE & CAS GRP 21,981 24,026 7.17 8.87 0.42 89.7134 31 BERKSHIRE HATHAWAY GRP 21,530 10,148 -2.54 -2.14 0.41 90.1235 28519 FIRST SEALORD SURETY INC 19,739 19,219 16.56 22.09 0.38 90.5036 17 LIFE OF THE SOUTH CORP GRP 19,695 19,695 85.65 85.68 0.38 90.8837 311 MAIN STREET AMER GRP 19,266 19,562 45.47 52.97 0.37 91.2538 1326 KINGSWAY GRP 18,036 19,409 140.82 149.73 0.35 91.6039 457 ARGONAUT GRP 17,253 10,061 13.33 20.04 0.33 91.9340 158 FAIRFAX FIN GRP 16,708 15,502 -0.90 24.40 0.32 92.2541 140 NATIONWIDE CORP GRP 15,521 16,291 10.21 11.42 0.30 92.5542 242 SELECTIVE INS GRP 15,048 14,936 17.81 20.38 0.29 92.8443 761 ALLIANZ INS GRP 14,734 12,119 -104.74 79.75 0.28 93.1244 1346 AMERICAN SAFETY HOLDING GRP 14,401 13,370 34.71 37.73 0.28 93.4045 313 AEGIS GRP 14,147 13,535 25.62 34.67 0.27 93.6746 37940 LEXINGTON NATL INS CORP 13,499 12,795 3.77 3.77 0.26 93.9347 3593 USIC GRP 13,114 15,456 125.45 134.87 0.25 94.1948 4641 D & J ROTTMAN GRP 12,613 13,447 44.44 67.73 0.24 94.4349 176 STATE FARM GRP 12,435 12,219 53.77 58.83 0.24 94.6750 280 AUTO OWNERS GRP 12,432 11,141 45.96 105.71 0.24 94.9151 10758 COLONIAL SURETY CO 11,642 11,659 -0.75 44.68 0.22 95.1352 661 BCBS OF SC GRP 10,840 10,797 28.27 28.27 0.21 95.3453 781 UNION LABOR GRP 10,067 8,267 32.82 36.20 0.19 95.5354 35009 FINANCIAL CAS & SURETY INC 9,437 9,437 2.99 2.99 0.18 95.7255 74 DELPHI FIN GRP 9,380 9,192 15.33 15.33 0.18 95.9056 510 NAVIGATORS GRP 8,389 8,250 10.27 10.24 0.16 96.0657 271 PENNSYLVANIA NATL INS GRP 8,336 7,868 11.73 14.91 0.16 96.2258 31380 AMERICAN SURETY CO 8,213 8,197 8.06 10.46 0.16 96.3859 26379 ACCREDITED SURETY & CAS CO INC 8,128 8,652 8.45 10.57 0.16 96.5360 1243 WEST BEND MUT GRP 7,919 7,751 11.94 12.74 0.15 96.6961 26565 OHIO IND CO 7,569 7,982 17.14 17.14 0.15 96.8362 670 FIDELITY NATL FIN GRP 6,858 7,027 58.79 58.79 0.13 96.9663 213 ERIE INS GRP 6,756 6,861 27.04 35.00 0.13 97.0964 587 ATLANTIC AMER GRP 5,786 6,873 18.69 22.54 0.11 97.2165 199 UNIVERSAL SURETY GRP 5,664 6,559 4.39 3.56 0.11 97.31




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 38326 FIRST IND OF AMER INS CO 5,295 5,016 26.88 45.95 0.10 97.4267 1208 GRAY INS GRP 5,293 5,677 31.72 43.09 0.10 97.5268 411 MAPFRE INS GRP 4,826 5,673 64.01 71.85 0.09 97.6169 22950 ACSTAR INS CO 4,464 5,791 -7.27 -7.63 0.09 97.7070 201 UTICA GRP 4,011 4,421 15.62 33.49 0.08 97.7771 19 ASSURANT INC GRP 3,786 3,736 -4.59 -4.11 0.07 97.8572 175 STATE AUTO MUT GRP 3,700 4,183 25.53 41.79 0.07 97.9273 458 PROTECTIVE LIFE INS GRP 3,588 3,751 36.95 36.95 0.07 97.9974 1114 MERCER INS GRP 3,337 4,049 55.45 66.41 0.06 98.0575 12296 WHITECAP SURETY CO 3,217 3,217 0.00 0.00 0.06 98.1176 18468 INDEMNITY NATL INS CO 3,174 3,079 11.33 15.41 0.06 98.1777 28240 THE SERV INS CO INC 3,131 2,877 5.76 5.76 0.06 98.2478 10009 TOWER BONDING & SURETY CO 3,103 3,305 8.47 8.23 0.06 98.3079 4675 MUTUAL INSURERS HOLDING GRP 3,031 3,067 19.29 19.29 0.06 98.3580 106 ISLAND INS CO GRP 2,965 3,231 2.85 -1.65 0.06 98.4181 36226 UNITED CAS & SURETY INS CO 2,959 2,728 0.00 0.00 0.06 98.4782 71 UNIVERSAL INS CO GRP 2,937 3,141 15.64 25.97 0.06 98.5283 10293 INTEGRA INS INC 2,911 2,911 0.00 0.00 0.06 98.5884 3279 INSURORS IND GRP 2,674 2,630 9.88 13.52 0.05 98.6385 15110 NEWPORT BONDING & SURETY CO 2,659 2,918 19.52 39.41 0.05 98.6886 7 FEDERATED MUT GRP 2,435 2,635 -0.83 2.23 0.05 98.7387 4152 RELIAMAX HOLDING GRP 2,373 1,414 0.00 0.00 0.05 98.7888 256 NEW YORK MARINE & GEN GRP 2,367 1,629 8.09 22.06 0.05 98.8289 1285 XL AMER GRP 2,324 5,115 -14.07 88.15 0.04 98.8790 246 INDIANA LUMBERMENS GRP 2,321 2,566 2.56 3.60 0.04 98.9191 10909 SUN SURETY INS CO 2,302 2,302 -1.44 -1.44 0.04 98.9592 930 DHC GRP 2,299 2,146 3.38 3.41 0.04 99.0093 42706 ROCHE SURETY & CAS CO INC 2,298 2,260 0.00 0.00 0.04 99.0494 32867 UNIVERSAL FIRE & CAS INS CO 2,293 2,293 0.00 0.00 0.04 99.0995 40568 TRIPLE S PROPIEDAD INC 2,239 2,601 -2.01 24.97 0.04 99.1396 748 MEADOWBROOK INS GRP 2,018 1,865 -27.58 3.29 0.04 99.1797 867 BALDWIN & LYONS GRP 1,889 1,766 12.58 12.01 0.04 99.2198 12987 BENEFIT SECURITY INS CO 1,854 1,957 28.53 28.53 0.04 99.2499 13121 PALMETTO SURETY CORP 1,842 1,842 1.31 1.31 0.04 99.28100 28517 VICTORE INS CO 1,562 1,562 0.77 -0.49 0.03 99.31101 108 LUMBERMENS MUT CAS GRP 1,510 1,859 -314.69 -125.26 0.03 99.34102 34860 INTERNATIONAL CREDIT OF N AMER REINS 1,465 999 24.83 32.31 0.03 99.36103 10906 COMMERCIAL ALLIANCE INS CO 1,429 1,408 7.80 9.52 0.03 99.39104 18538 BANCINSURE INC 1,340 2,652 1.26 1.26 0.03 99.42105 10499 CHRYSLER INS CO 1,276 1,712 449.93 449.93 0.02 99.44106 41114 ATLANTIC BONDING CO 1,266 1,045 -6.37 -6.37 0.02 99.47107 1228 BAR PLAN GRP 1,204 1,175 16.78 19.86 0.02 99.49108 15792 UNDERWRITERS AT LLOYDS LONDON 1,180 1,182 -40.20 -41.49 0.02 99.51109 13003 PENINSULAR SURETY CO 1,164 1,146 8.72 8.72 0.02 99.53110 12965 BONDEX INS CO 1,134 1,196 8.49 10.74 0.02 99.56111 43265 GRAMERCY INS CO 1,128 1,336 10.83 12.72 0.02 99.58112 3991 IMT MUT HOLDING GRP 1,009 991 50.36 51.75 0.02 99.60113 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 1,003 3,542 111.40 111.46 0.02 99.62114 38504 FIRST SURETY CORP 1,002 757 25.23 25.23 0.02 99.64115 169 SENTRY INS GRP 975 929 -208.36 -207.41 0.02 99.66116 474 FCCI MUT INS GRP 964 880 31.84 32.30 0.02 99.67117 18 AMERICAN ROAD GRP 920 1,045 0.00 0.00 0.02 99.69118 13600 BLACK DIAMOND INS CO INC 903 789 11.52 19.08 0.02 99.71119 34169 COMMONWEALTH INS CO 853 1,089 2.13 2.13 0.02 99.73120 3489 DELEK GRP 779 812 10.72 13.38 0.01 99.74121 153 PEKIN INS GRP 772 706 21.69 21.85 0.01 99.76122 13597 CHUNG KUO INS CO LTD 755 684 148.69 151.79 0.01 99.77123 79 GMAC INS HOLDING GRP 743 791 0.00 0.00 0.01 99.78124 214 ALLIANCE INS GRP 743 692 -0.69 0.89 0.01 99.80125 4672 DONGBU INS GRP 637 725 -46.02 -49.75 0.01 99.81

**INDUSTRY TOTAL** 5,193,066 5,325,862 19.47 24.55 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 3548 TRAVELERS GRP 13,731 16,081 100.53 110.38 19.12 19.122 218 CNA INS GRP 7,965 8,351 28.26 32.02 11.09 30.213 212 ZURICH INS GRP 7,513 8,078 14.84 21.34 10.46 40.664 111 LIBERTY MUT GRP 7,010 7,546 7.95 7.38 9.76 50.425 91 HARTFORD FIRE & CAS GRP 4,581 5,144 -20.89 -29.35 6.38 56.806 38 CHUBB & SON INC GRP 3,328 3,308 1.52 1.52 4.63 61.447 88 THE HANOVER INS GRP 2,422 1,934 -9.94 -6.08 3.37 64.818 11592 INTERNATIONAL FIDELITY INS CO 1,645 1,877 -3.18 -3.75 2.29 67.109 36650 GUARANTEE CO OF N AMER USA 1,414 1,594 15.36 25.47 1.97 69.0710 244 CINCINNATI FIN GRP 1,368 1,076 159.29 161.99 1.90 70.97

**STATE TOTAL** 71,828 75,597 43.63 50.84 100.00 100.00. .

Alaska 1 111 LIBERTY MUT GRP 11,445 10,643 16.34 14.42 35.32 35.322 3548 TRAVELERS GRP 5,226 5,266 -19.04 -14.10 16.13 51.453 212 ZURICH INS GRP 5,172 4,885 2.53 3.74 15.96 67.414 218 CNA INS GRP 3,435 3,505 10.89 13.44 10.60 78.015 37206 CONTRACTORS BONDING & INS CO 1,308 1,056 5.58 7.66 4.04 82.056 91 HARTFORD FIRE & CAS GRP 1,270 1,213 -0.73 -2.74 3.92 85.977 38 CHUBB & SON INC GRP 828 715 3.51 3.51 2.56 88.538 626 ACE LTD GRP 650 553 -3.71 1.10 2.00 90.539 12 AMERICAN INTL GRP 399 313 4.68 3.82 1.23 91.7610 11592 INTERNATIONAL FIDELITY INS CO 380 298 4.80 5.90 1.17 92.94

**STATE TOTAL** 32,401 30,722 8.29 9.62 100.00 100.00. .

Arizona 1 3548 TRAVELERS GRP 21,866 20,706 -0.52 4.52 22.24 22.242 111 LIBERTY MUT GRP 13,829 15,192 27.84 30.82 14.07 36.313 212 ZURICH INS GRP 7,740 9,144 8.65 11.12 7.87 44.184 218 CNA INS GRP 6,597 7,415 3.33 3.35 6.71 50.905 38 CHUBB & SON INC GRP 5,215 6,766 -1.88 -1.89 5.31 56.206 3479 MERCHANTS BONDING CO GRP 4,738 4,906 7.08 7.75 4.82 61.027 91 HARTFORD FIRE & CAS GRP 4,063 4,679 12.34 11.67 4.13 65.158 783 RLI INS GRP 3,717 4,295 16.02 17.99 3.78 68.939 84 AMERICAN FINANCIAL GRP 2,319 2,114 41.04 43.31 2.36 71.2910 984 HCC INS HOLDINGS GRP 2,156 2,118 39.02 57.78 2.19 73.49

**STATE TOTAL** 98,305 104,403 14.80 19.09 100.00 100.00. .

Arkansas 1 3548 TRAVELERS GRP 8,715 7,778 72.87 81.28 23.28 23.282 212 ZURICH INS GRP 3,607 2,956 0.00 2.27 9.64 32.923 111 LIBERTY MUT GRP 3,540 3,419 21.40 20.55 9.46 42.384 218 CNA INS GRP 3,440 3,629 -53.72 -53.81 9.19 51.575 62 EMC INS CO GRP 2,630 2,614 -13.29 -20.99 7.03 58.606 26310 GRANITE RE INC 1,589 1,600 17.87 17.87 4.25 62.847 91 HARTFORD FIRE & CAS GRP 1,305 1,207 18.05 18.84 3.49 66.338 38 CHUBB & SON INC GRP 1,115 951 1.89 1.89 2.98 69.319 11592 INTERNATIONAL FIDELITY INS CO 1,092 982 -14.21 -17.44 2.92 72.2310 244 CINCINNATI FIN GRP 1,088 923 -7.60 2.63 2.91 75.14

**STATE TOTAL** 37,428 34,803 45.06 64.26 100.00 100.00. .

California 1 3548 TRAVELERS GRP 97,656 96,725 4.50 18.59 14.84 14.842 111 LIBERTY MUT GRP 86,039 96,958 20.47 22.88 13.07 27.913 984 HCC INS HOLDINGS GRP 71,371 71,857 27.61 32.57 10.84 38.764 212 ZURICH INS GRP 65,652 65,094 4.03 8.14 9.98 48.735 38 CHUBB & SON INC GRP 39,221 37,997 -0.21 -0.11 5.96 54.696 218 CNA INS GRP 34,140 37,246 12.15 14.37 5.19 59.887 11592 INTERNATIONAL FIDELITY INS CO 22,175 22,326 2.66 3.71 3.37 63.258 1279 ARCH INS GRP 19,945 24,883 114.24 132.66 3.03 66.289 91 HARTFORD FIRE & CAS GRP 19,823 20,262 45.23 55.32 3.01 69.2910 84 AMERICAN FINANCIAL GRP 16,225 16,946 32.40 35.37 2.47 71.76

**STATE TOTAL** 658,136 685,545 24.59 30.96 100.00 100.00. .

Colorado 1 3548 TRAVELERS GRP 17,946 17,899 4.92 11.10 17.82 17.822 111 LIBERTY MUT GRP 12,312 14,353 41.15 38.40 12.23 30.043 218 CNA INS GRP 9,334 10,179 43.28 53.26 9.27 39.314 984 HCC INS HOLDINGS GRP 8,358 8,489 -3.62 -1.57 8.30 47.615 212 ZURICH INS GRP 7,276 7,501 -1.70 2.89 7.22 54.84




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 91 HARTFORD FIRE & CAS GRP 5,919 6,671 -2.42 -6.49 5.88 60.717 38 CHUBB & SON INC GRP 4,598 5,354 0.41 0.41 4.57 65.288 181 SWISS RE GRP 3,682 3,594 1.30 2.27 3.66 68.939 626 ACE LTD GRP 3,263 2,815 -6.32 3.21 3.24 72.1710 62 EMC INS CO GRP 2,744 2,943 -36.47 -35.67 2.72 74.90

**STATE TOTAL** 100,712 106,422 17.09 20.98 100.00 100.00. .

Connecticut 1 3548 TRAVELERS GRP 17,199 17,051 -8.44 -6.34 27.77 27.772 218 CNA INS GRP 5,499 5,567 8.40 13.92 8.88 36.653 212 ZURICH INS GRP 4,346 5,681 1.06 1.68 7.02 43.674 91 HARTFORD FIRE & CAS GRP 4,302 4,539 17.71 17.31 6.95 50.615 111 LIBERTY MUT GRP 3,667 5,174 35.52 31.37 5.92 56.536 11592 INTERNATIONAL FIDELITY INS CO 3,489 3,546 -0.55 -0.70 5.63 62.177 38 CHUBB & SON INC GRP 3,464 3,388 -0.79 -0.79 5.59 67.768 88 THE HANOVER INS GRP 3,147 3,479 1.00 5.55 5.08 72.849 626 ACE LTD GRP 1,807 1,695 -0.20 5.01 2.92 75.7610 1279 ARCH INS GRP 1,413 1,668 -234.56 -238.69 2.28 78.04

**STATE TOTAL** 61,933 64,938 -3.72 -0.85 100.00 100.00. .

Delaware 1 111 LIBERTY MUT GRP 2,359 2,829 92.04 95.84 15.33 15.332 3548 TRAVELERS GRP 2,344 2,703 1.30 5.82 15.24 30.573 212 ZURICH INS GRP 1,180 2,121 10.29 15.44 7.67 38.244 3488 J A PATTERSON GRP 1,110 1,354 1.79 1.85 7.22 45.465 38 CHUBB & SON INC GRP 1,003 1,183 3.15 3.15 6.52 51.976 218 CNA INS GRP 980 1,013 32.69 34.41 6.37 58.357 91 HARTFORD FIRE & CAS GRP 820 906 16.54 16.46 5.33 63.688 11592 INTERNATIONAL FIDELITY INS CO 709 694 -0.40 -0.41 4.61 68.289 1279 ARCH INS GRP 684 840 36.83 40.50 4.44 72.7310 313 AEGIS GRP 461 444 5.15 5.31 3.00 75.72

**STATE TOTAL** 15,385 19,405 20.07 23.78 100.00 100.00. .

District of Columbia 1 3548 TRAVELERS GRP 18,035 16,319 -20.97 -2.64 17.52 17.522 12 AMERICAN INTL GRP 12,934 7,248 -2.29 -6.52 12.56 30.083 3488 J A PATTERSON GRP 12,703 7,062 1.68 1.77 12.34 42.424 111 LIBERTY MUT GRP 9,721 9,991 8.73 7.90 9.44 51.865 38 CHUBB & SON INC GRP 8,678 5,997 0.09 0.09 8.43 60.296 626 ACE LTD GRP 8,042 7,489 -38.32 -34.62 7.81 68.107 212 ZURICH INS GRP 7,369 6,704 4.56 5.95 7.16 75.268 218 CNA INS GRP 3,398 3,436 88.11 89.97 3.30 78.569 1279 ARCH INS GRP 3,139 2,910 32.75 35.93 3.05 81.6110 88 THE HANOVER INS GRP 2,765 1,693 32.12 36.35 2.69 84.30

**STATE TOTAL** 102,950 83,061 2.44 1.42 100.00 100.00. .

Florida 1 3548 TRAVELERS GRP 59,255 58,481 20.30 30.49 18.56 18.562 111 LIBERTY MUT GRP 42,290 45,698 16.18 13.64 13.25 31.803 212 ZURICH INS GRP 34,836 34,606 5.71 11.17 10.91 42.714 218 CNA INS GRP 23,172 25,857 1.55 2.62 7.26 49.975 38 CHUBB & SON INC GRP 13,053 17,000 -2.66 -2.03 4.09 54.066 12 AMERICAN INTL GRP 10,154 6,634 -80.17 -86.45 3.18 57.247 91 HARTFORD FIRE & CAS GRP 9,521 12,509 4.35 16.17 2.98 60.228 88 THE HANOVER INS GRP 8,573 8,037 -16.29 -12.37 2.69 62.919 84 AMERICAN FINANCIAL GRP 7,571 7,623 103.38 116.38 2.37 65.2810 11592 INTERNATIONAL FIDELITY INS CO 7,088 7,061 6.26 6.79 2.22 67.50

**STATE TOTAL** 319,283 335,523 13.00 17.63 100.00 100.00. .

Georgia 1 3548 TRAVELERS GRP 28,645 31,013 -5.78 2.04 19.40 19.402 111 LIBERTY MUT GRP 16,364 16,967 14.14 13.11 11.08 30.483 218 CNA INS GRP 11,057 13,510 -2.12 -1.46 7.49 37.974 38 CHUBB & SON INC GRP 9,602 10,945 0.52 0.52 6.50 44.485 212 ZURICH INS GRP 9,517 9,685 -35.28 -32.99 6.45 50.926 17 LIFE OF THE SOUTH CORP GRP 8,533 8,533 85.07 84.97 5.78 56.707 91 HARTFORD FIRE & CAS GRP 5,374 5,782 16.16 18.63 3.64 60.348 31 BERKSHIRE HATHAWAY GRP 4,994 93 -41.22 -41.22 3.38 63.729 88 THE HANOVER INS GRP 4,540 4,237 112.52 119.95 3.07 66.8010 181 SWISS RE GRP 3,504 3,338 0.94 1.24 2.37 69.17




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 147,653 157,113 24.50 29.51 100.00 100.00. .

Hawaii 1 3548 TRAVELERS GRP 12,165 9,745 2.35 7.60 28.25 28.252 111 LIBERTY MUT GRP 7,431 8,032 6.22 6.58 17.26 45.513 212 ZURICH INS GRP 5,805 6,619 -8.70 -7.47 13.48 58.994 106 ISLAND INS CO GRP 2,965 3,231 2.85 -1.65 6.89 65.885 38 CHUBB & SON INC GRP 2,289 2,917 -2.52 -2.52 5.32 71.196 91 HARTFORD FIRE & CAS GRP 2,061 2,268 -3.42 -5.25 4.79 75.987 218 CNA INS GRP 1,951 2,120 -43.87 -36.38 4.53 80.518 984 HCC INS HOLDINGS GRP 1,341 191 56.58 67.81 3.12 83.639 75 INSCO INS SERVICES GRP 1,257 1,352 -1.13 -0.98 2.92 86.5510 12 AMERICAN INTL GRP 1,045 751 14.81 15.62 2.43 88.97

**STATE TOTAL** 43,056 42,219 3.22 5.90 100.00 100.00. .

Idaho 1 3548 TRAVELERS GRP 3,537 3,839 42.96 49.46 18.39 18.392 111 LIBERTY MUT GRP 3,032 3,637 53.66 46.88 15.76 34.163 218 CNA INS GRP 2,629 2,497 8.64 9.80 13.67 47.834 212 ZURICH INS GRP 1,385 1,517 4.80 6.54 7.20 55.035 84 AMERICAN FINANCIAL GRP 1,069 578 -1.93 -0.90 5.56 60.596 181 SWISS RE GRP 830 922 285.61 352.15 4.32 64.917 91 HARTFORD FIRE & CAS GRP 733 807 13.28 13.92 3.81 68.738 922 AMERICAN ASSETS GRP 635 750 81.68 108.78 3.30 72.039 244 CINCINNATI FIN GRP 588 462 157.65 166.45 3.06 75.0910 75 INSCO INS SERVICES GRP 575 624 -2.03 3.02 2.99 78.07

**STATE TOTAL** 19,231 20,989 42.97 48.25 100.00 100.00. .

Illinois 1 3548 TRAVELERS GRP 33,813 31,942 19.58 26.48 19.08 19.082 111 LIBERTY MUT GRP 24,406 26,111 14.53 14.16 13.77 32.853 218 CNA INS GRP 18,077 18,408 2.01 2.71 10.20 43.054 212 ZURICH INS GRP 14,146 17,072 -20.77 -13.68 7.98 51.045 1326 KINGSWAY GRP 7,229 4,203 28.54 29.13 4.08 55.126 181 SWISS RE GRP 5,276 6,203 6.14 10.07 2.98 58.097 88 THE HANOVER INS GRP 5,180 5,388 -8.72 -5.87 2.92 61.028 3488 J A PATTERSON GRP 4,631 4,628 44.88 49.41 2.61 63.639 84 AMERICAN FINANCIAL GRP 4,437 4,302 22.31 27.98 2.50 66.1310 38 CHUBB & SON INC GRP 4,134 4,659 -5.32 -5.32 2.33 68.47

**STATE TOTAL** 177,212 181,301 6.66 10.33 100.00 100.00. .

Indiana 1 218 CNA INS GRP 11,631 10,046 4.23 5.46 15.67 15.672 3548 TRAVELERS GRP 9,909 9,573 3.60 10.06 13.35 29.023 111 LIBERTY MUT GRP 7,979 8,105 17.54 15.82 10.75 39.774 212 ZURICH INS GRP 7,360 7,522 3.41 5.53 9.92 49.695 181 SWISS RE GRP 6,059 6,076 35.92 43.93 8.16 57.856 510 NAVIGATORS GRP 4,327 4,257 -11.12 -12.95 5.83 63.687 244 CINCINNATI FIN GRP 3,013 3,489 93.44 103.72 4.06 67.748 38 CHUBB & SON INC GRP 2,283 1,875 0.49 0.49 3.08 70.829 228 WESTFIELD GRP 2,181 2,799 1.19 9.01 2.94 73.7610 3488 J A PATTERSON GRP 2,167 2,759 30.97 31.51 2.92 76.68

**STATE TOTAL** 74,219 73,048 13.50 17.56 100.00 100.00. .

Iowa 1 3479 MERCHANTS BONDING CO GRP 6,619 6,517 -2.84 -2.92 16.82 16.822 3548 TRAVELERS GRP 4,844 3,818 4.38 9.94 12.31 29.133 248 UNITED FIRE & CAS GRP 3,551 3,526 0.31 0.63 9.02 38.154 218 CNA INS GRP 3,067 3,072 15.62 16.80 7.79 45.945 111 LIBERTY MUT GRP 3,020 2,951 62.83 61.88 7.67 53.616 212 ZURICH INS GRP 2,032 2,345 1.04 1.39 5.16 58.787 181 SWISS RE GRP 1,668 1,566 20.83 27.86 4.24 63.028 38 CHUBB & SON INC GRP 1,425 1,217 0.85 0.85 3.62 66.649 26310 GRANITE RE INC 1,113 1,114 40.61 40.61 2.83 69.4710 62 EMC INS CO GRP 1,019 1,089 -19.07 -25.21 2.59 72.05

**STATE TOTAL** 39,356 37,166 12.36 13.66 100.00 100.00. .

Kansas 1 3548 TRAVELERS GRP 8,471 6,648 10.69 20.14 17.54 17.542 212 ZURICH INS GRP 6,437 6,010 6.88 7.89 13.33 30.863 111 LIBERTY MUT GRP 4,930 5,208 8.49 4.95 10.21 41.07




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 218 CNA INS GRP 4,154 3,779 12.56 11.96 8.60 49.675 38 CHUBB & SON INC GRP 3,588 3,379 -1.18 -1.18 7.43 57.096 91 HARTFORD FIRE & CAS GRP 2,471 2,185 4.44 56.03 5.11 62.217 62 EMC INS CO GRP 2,204 2,241 -16.56 -23.13 4.56 66.778 3479 MERCHANTS BONDING CO GRP 1,579 1,539 1.67 1.90 3.27 70.049 26310 GRANITE RE INC 1,306 1,308 13.90 13.90 2.70 72.7410 626 ACE LTD GRP 1,209 1,064 21.72 26.41 2.50 75.25

**STATE TOTAL** 48,306 45,933 5.96 11.02 100.00 100.00. .

Kentucky 1 3548 TRAVELERS GRP 16,051 17,678 6.43 12.56 23.24 23.242 111 LIBERTY MUT GRP 10,355 10,315 11.77 10.85 14.99 38.233 218 CNA INS GRP 6,110 6,477 9.93 12.10 8.85 47.084 84 AMERICAN FINANCIAL GRP 5,039 4,393 19.73 24.04 7.30 54.385 212 ZURICH INS GRP 3,724 4,707 34.08 35.02 5.39 59.776 38 CHUBB & SON INC GRP 3,108 3,347 0.24 0.44 4.50 64.277 18468 INDEMNITY NATL INS CO 2,993 2,830 12.01 16.35 4.33 68.608 3488 J A PATTERSON GRP 2,233 1,944 14.03 14.15 3.23 71.849 228 WESTFIELD GRP 2,152 2,057 0.93 3.28 3.12 74.9510 91 HARTFORD FIRE & CAS GRP 1,824 1,871 7.32 5.76 2.64 77.59

**STATE TOTAL** 69,065 70,513 13.93 -10.66 100.00 100.00. .

Louisiana 1 3548 TRAVELERS GRP 27,928 21,752 78.06 88.15 23.84 23.842 111 LIBERTY MUT GRP 12,242 12,434 7.29 7.15 10.45 34.293 91 HARTFORD FIRE & CAS GRP 10,633 9,919 7.67 8.11 9.08 43.374 218 CNA INS GRP 9,328 9,399 10.64 11.39 7.96 51.335 212 ZURICH INS GRP 7,366 9,759 0.25 1.42 6.29 57.626 17 LIFE OF THE SOUTH CORP GRP 5,478 5,478 83.60 83.71 4.68 62.307 984 HCC INS HOLDINGS GRP 5,312 4,766 20.80 23.63 4.54 66.848 38 CHUBB & SON INC GRP 4,988 5,166 2.35 2.35 4.26 71.099 11592 INTERNATIONAL FIDELITY INS CO 4,510 4,131 2.58 2.47 3.85 74.9410 783 RLI INS GRP 2,722 2,218 6.74 1.05 2.32 77.27

**STATE TOTAL** 117,136 112,027 32.67 37.52 100.00 100.00. .

Maine 1 3548 TRAVELERS GRP 2,939 3,170 11.19 18.30 20.04 20.042 98 WR BERKLEY CORP GRP 2,187 2,005 12.45 20.44 14.91 34.953 111 LIBERTY MUT GRP 2,014 2,215 14.22 15.33 13.73 48.674 88 THE HANOVER INS GRP 1,482 1,633 -2.84 5.59 10.10 58.775 212 ZURICH INS GRP 904 1,032 2.80 9.04 6.16 64.946 3592 PROALLIANCE GRP 754 767 4.05 5.71 5.14 70.087 218 CNA INS GRP 618 540 17.28 19.37 4.21 74.298 38 CHUBB & SON INC GRP 573 456 -10.49 -10.49 3.91 78.209 984 HCC INS HOLDINGS GRP 561 635 20.50 20.19 3.83 82.0210 91 HARTFORD FIRE & CAS GRP 554 688 7.77 4.70 3.78 85.80

**STATE TOTAL** 14,671 15,852 8.75 13.20 100.00 100.00. .

Maryland 1 3548 TRAVELERS GRP 25,239 24,419 22.43 29.83 16.82 16.822 212 ZURICH INS GRP 24,336 19,339 8.96 12.64 16.22 33.043 111 LIBERTY MUT GRP 15,778 15,293 10.49 9.08 10.51 43.554 38 CHUBB & SON INC GRP 9,991 9,167 4.22 4.23 6.66 50.215 984 HCC INS HOLDINGS GRP 8,175 8,554 7.16 9.01 5.45 55.666 91 HARTFORD FIRE & CAS GRP 7,417 7,434 59.14 66.47 4.94 60.607 218 CNA INS GRP 7,104 9,154 9.20 9.47 4.73 65.338 626 ACE LTD GRP 5,339 4,555 -127.42 -58.53 3.56 68.899 88 THE HANOVER INS GRP 4,047 3,763 4.80 10.54 2.70 71.5910 3488 J A PATTERSON GRP 3,786 4,000 19.83 23.25 2.52 74.11

**STATE TOTAL** 150,060 142,528 13.00 12.06 100.00 100.00. .

Massachusetts 1 111 LIBERTY MUT GRP 19,817 23,330 13.96 16.52 19.83 19.832 3548 TRAVELERS GRP 15,775 16,440 -32.58 -23.32 15.78 35.613 218 CNA INS GRP 13,663 13,648 10.87 18.56 13.67 49.284 212 ZURICH INS GRP 7,816 8,890 -0.77 1.51 7.82 57.105 88 THE HANOVER INS GRP 6,002 6,585 -8.97 1.76 6.01 63.106 311 MAIN STREET AMER GRP 4,045 4,226 7.76 8.89 4.05 67.157 38 CHUBB & SON INC GRP 3,850 3,621 -0.20 -3.59 3.85 71.008 91 HARTFORD FIRE & CAS GRP 3,548 4,122 868.79 918.75 3.55 74.55




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 181 SWISS RE GRP 2,736 3,166 -12.89 -6.38 2.74 77.2910 36226 UNITED CAS & SURETY INS CO 2,598 2,393 0.00 0.00 2.60 79.89

**STATE TOTAL** 99,950 106,800 18.56 23.77 100.00 100.00. .

Michigan 1 218 CNA INS GRP 8,800 9,549 0.38 0.73 13.05 13.052 3548 TRAVELERS GRP 6,886 8,263 -4.28 3.64 10.21 23.263 111 LIBERTY MUT GRP 6,867 9,262 126.05 121.80 10.18 33.444 38 CHUBB & SON INC GRP 5,606 5,966 1.89 1.82 8.31 41.755 88 THE HANOVER INS GRP 4,304 4,514 859.53 885.38 6.38 48.136 212 ZURICH INS GRP 3,666 3,317 4.00 6.16 5.44 53.577 228 WESTFIELD GRP 3,279 3,456 6.47 18.26 4.86 58.438 91 HARTFORD FIRE & CAS GRP 3,210 3,506 64.66 70.42 4.76 63.199 244 CINCINNATI FIN GRP 1,970 1,917 2.63 4.31 2.92 66.1110 181 SWISS RE GRP 1,968 2,265 33.64 40.54 2.92 69.03

**STATE TOTAL** 67,446 73,104 80.95 85.48 100.00 100.00. .

Minnesota 1 3548 TRAVELERS GRP 10,182 11,323 -155.81 -148.25 16.24 16.242 218 CNA INS GRP 7,312 8,350 2.65 3.28 11.66 27.893 111 LIBERTY MUT GRP 7,030 6,677 -1.62 -4.25 11.21 39.104 26310 GRANITE RE INC 4,314 4,309 7.63 7.63 6.88 45.985 212 ZURICH INS GRP 3,536 3,558 8.71 9.74 5.64 51.626 12296 WHITECAP SURETY CO 3,217 3,217 0.00 0.00 5.13 56.757 10293 INTEGRA INS INC 2,911 2,911 0.00 0.00 4.64 61.398 38 CHUBB & SON INC GRP 2,348 2,517 -1.82 -1.82 3.74 65.149 248 UNITED FIRE & CAS GRP 2,183 2,153 -0.82 -0.95 3.48 68.6210 91 HARTFORD FIRE & CAS GRP 1,836 2,171 126.57 127.85 2.93 71.55

**STATE TOTAL** 62,712 67,757 -8.21 -6.14 100.00 100.00. .

Mississippi 1 3548 TRAVELERS GRP 14,130 15,158 -0.84 8.01 27.12 27.122 111 LIBERTY MUT GRP 8,720 8,300 31.61 30.23 16.73 43.853 212 ZURICH INS GRP 4,649 5,835 5.53 20.01 8.92 52.784 218 CNA INS GRP 4,112 3,996 -25.75 -25.31 7.89 60.675 91 HARTFORD FIRE & CAS GRP 2,899 2,625 38.75 40.57 5.56 66.236 38 CHUBB & SON INC GRP 1,919 1,907 -3.30 -3.30 3.68 69.917 783 RLI INS GRP 1,154 1,135 8.72 8.01 2.22 72.138 474 FCCI MUT INS GRP 964 880 31.84 32.30 1.85 73.989 11592 INTERNATIONAL FIDELITY INS CO 960 923 -0.61 -0.38 1.84 75.8210 922 AMERICAN ASSETS GRP 944 1,039 86.12 108.99 1.81 77.63

**STATE TOTAL** 52,107 53,316 16.59 21.55 100.00 100.00. .

Missouri 1 3548 TRAVELERS GRP 19,459 16,743 7.51 32.88 25.02 25.022 111 LIBERTY MUT GRP 12,692 13,238 16.47 13.77 16.32 41.343 218 CNA INS GRP 8,211 9,124 20.08 22.82 10.56 51.904 212 ZURICH INS GRP 5,717 7,058 3.83 6.75 7.35 59.255 38 CHUBB & SON INC GRP 2,299 3,767 -0.84 -0.87 2.96 62.216 88 THE HANOVER INS GRP 2,002 1,913 13.28 17.39 2.57 64.787 62 EMC INS CO GRP 1,848 1,845 -56.55 -86.70 2.38 67.168 244 CINCINNATI FIN GRP 1,739 1,579 6.16 8.78 2.24 69.399 248 UNITED FIRE & CAS GRP 1,518 1,922 9.43 9.80 1.95 71.3510 91 HARTFORD FIRE & CAS GRP 1,485 1,626 54.27 106.09 1.91 73.26

**STATE TOTAL** 77,768 79,943 9.37 16.65 100.00 100.00. .

Montana 1 3548 TRAVELERS GRP 8,774 8,477 11.96 25.64 37.06 37.062 111 LIBERTY MUT GRP 2,802 3,148 26.82 25.67 11.84 48.903 218 CNA INS GRP 1,763 1,802 -10.04 -11.55 7.44 56.344 212 ZURICH INS GRP 1,400 1,308 6.06 8.90 5.91 62.255 91 HARTFORD FIRE & CAS GRP 1,026 985 1.30 0.98 4.34 66.596 181 SWISS RE GRP 927 941 -51.37 -62.89 3.92 70.517 626 ACE LTD GRP 789 686 125.60 130.71 3.33 73.848 1285 XL AMER GRP 631 631 116.94 139.55 2.67 76.519 98 WR BERKLEY CORP GRP 515 574 2.27 2.27 2.18 78.6810 84 AMERICAN FINANCIAL GRP 501 543 -14.81 -2.48 2.12 80.80

**STATE TOTAL** 23,675 23,515 13.63 18.74 100.00 100.00. .

Nebraska 1 3548 TRAVELERS GRP 3,689 4,109 34.33 43.03 13.48 13.48




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 199 UNIVERSAL SURETY GRP 3,621 4,255 -2.38 -3.16 13.23 26.713 111 LIBERTY MUT GRP 2,833 3,027 9.49 8.59 10.35 37.064 218 CNA INS GRP 2,388 2,847 16.68 18.16 8.73 45.785 181 SWISS RE GRP 1,351 1,453 25.89 33.22 4.94 50.726 91 HARTFORD FIRE & CAS GRP 1,217 1,043 26.23 25.01 4.45 55.177 3479 MERCHANTS BONDING CO GRP 1,209 1,359 -0.53 -0.77 4.42 59.588 212 ZURICH INS GRP 1,117 1,332 377.22 383.35 4.08 63.679 11592 INTERNATIONAL FIDELITY INS CO 960 685 23.32 28.64 3.51 67.1710 38 CHUBB & SON INC GRP 752 1,100 -4.72 -4.72 2.75 69.92

**STATE TOTAL** 27,368 29,364 29.47 31.86 100.00 100.00. .

Nevada 1 111 LIBERTY MUT GRP 12,689 20,419 9.52 6.93 15.76 15.762 3548 TRAVELERS GRP 10,989 13,572 1.73 12.27 13.64 29.403 212 ZURICH INS GRP 8,045 10,362 5.19 6.72 9.99 39.394 218 CNA INS GRP 8,027 8,512 18.95 22.81 9.97 49.365 501 ALLEGHANY GRP 4,014 4,115 47.52 57.34 4.98 54.346 3488 J A PATTERSON GRP 2,778 3,065 4.04 8.16 3.45 57.797 84 AMERICAN FINANCIAL GRP 2,591 2,368 66.67 71.94 3.22 61.018 4641 D & J ROTTMAN GRP 2,407 2,675 43.40 65.92 2.99 63.999 38 CHUBB & SON INC GRP 2,090 4,716 0.01 0.01 2.60 66.5910 984 HCC INS HOLDINGS GRP 1,937 1,929 20.48 25.68 2.41 68.99

**STATE TOTAL** 80,540 102,191 -26.21 -18.42 100.00 100.00. .

New Hampshire 1 3548 TRAVELERS GRP 2,946 3,525 8.21 13.95 18.75 18.752 111 LIBERTY MUT GRP 2,883 2,749 13.84 12.96 18.35 37.103 98 WR BERKLEY CORP GRP 1,659 1,506 -2.43 -2.43 10.56 47.664 311 MAIN STREET AMER GRP 1,267 1,195 14.04 16.42 8.07 55.735 218 CNA INS GRP 1,021 1,155 30.55 32.47 6.50 62.236 181 SWISS RE GRP 843 959 7.18 11.79 5.37 67.607 88 THE HANOVER INS GRP 705 734 4.75 14.88 4.48 72.088 212 ZURICH INS GRP 494 515 5.43 5.91 3.14 75.239 3592 PROALLIANCE GRP 485 502 -5.03 -7.08 3.09 78.3210 91 HARTFORD FIRE & CAS GRP 433 719 80.16 117.47 2.75 81.07

**STATE TOTAL** 15,711 16,373 11.52 15.63 100.00 100.00. .

New Jersey 1 111 LIBERTY MUT GRP 24,645 25,951 11.02 15.19 16.33 16.332 3548 TRAVELERS GRP 19,800 19,825 -5.45 5.33 13.12 29.453 212 ZURICH INS GRP 11,408 10,437 38.06 46.77 7.56 37.014 11592 INTERNATIONAL FIDELITY INS CO 9,172 11,177 64.61 74.45 6.08 43.095 38 CHUBB & SON INC GRP 8,113 9,734 0.26 0.30 5.38 48.476 218 CNA INS GRP 6,649 5,957 12.63 15.83 4.41 52.877 242 SELECTIVE INS GRP 6,179 5,966 8.63 10.03 4.09 56.978 626 ACE LTD GRP 5,345 5,071 -22.49 -8.37 3.54 60.519 3488 J A PATTERSON GRP 5,203 5,555 21.72 21.16 3.45 63.9610 38326 FIRST IND OF AMER INS CO 4,514 4,313 21.55 42.38 2.99 66.95

**STATE TOTAL** 150,907 155,834 85.81 98.46 100.00 100.00. .

New Mexico 1 218 CNA INS GRP 7,446 7,609 14.50 17.26 16.54 16.542 111 LIBERTY MUT GRP 5,791 6,343 10.88 8.40 12.86 29.413 3548 TRAVELERS GRP 3,765 4,502 3.62 10.40 8.36 37.774 212 ZURICH INS GRP 3,597 3,880 4.93 33.61 7.99 45.765 38 CHUBB & SON INC GRP 2,614 2,580 1.56 1.28 5.81 51.576 84 AMERICAN FINANCIAL GRP 2,330 1,499 31.95 35.93 5.18 56.747 88 THE HANOVER INS GRP 1,617 1,700 3.55 12.34 3.59 60.348 783 RLI INS GRP 1,483 1,349 20.39 22.05 3.29 63.639 91 HARTFORD FIRE & CAS GRP 1,456 1,463 15.05 7.14 3.23 66.8710 26310 GRANITE RE INC 1,258 1,236 20.70 20.70 2.80 69.66

**STATE TOTAL** 45,015 45,610 12.77 17.69 100.00 100.00. .

New York 1 111 LIBERTY MUT GRP 73,140 69,801 25.19 24.07 21.21 21.212 3548 TRAVELERS GRP 58,732 63,184 -37.60 -24.57 17.03 38.243 212 ZURICH INS GRP 44,368 47,935 -31.43 -27.21 12.87 51.104 38 CHUBB & SON INC GRP 21,090 23,303 8.79 3.10 6.12 57.225 218 CNA INS GRP 19,779 20,082 20.44 24.51 5.74 62.966 626 ACE LTD GRP 15,983 16,041 51.66 58.82 4.63 67.59




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 88 THE HANOVER INS GRP 10,493 10,588 48.89 62.52 3.04 70.638 984 HCC INS HOLDINGS GRP 9,290 7,168 6.25 11.02 2.69 73.339 11592 INTERNATIONAL FIDELITY INS CO 9,011 8,497 4.76 6.20 2.61 75.9410 12 AMERICAN INTL GRP 8,171 12,404 177.86 178.82 2.37 78.31

**STATE TOTAL** 344,863 364,390 12.07 26.18 100.00 100.00. .

North Carolina 1 3548 TRAVELERS GRP 29,442 31,878 2.15 9.05 24.72 24.722 111 LIBERTY MUT GRP 15,044 15,295 12.40 11.18 12.63 37.353 212 ZURICH INS GRP 8,622 9,337 4.53 8.36 7.24 44.594 218 CNA INS GRP 8,515 9,052 35.41 49.41 7.15 51.745 88 THE HANOVER INS GRP 6,942 6,929 94.82 101.89 5.83 57.576 38 CHUBB & SON INC GRP 5,621 5,988 -0.25 -0.34 4.72 62.297 84 AMERICAN FINANCIAL GRP 4,056 4,532 0.33 1.72 3.41 65.698 91 HARTFORD FIRE & CAS GRP 3,402 4,209 16.29 9.74 2.86 68.559 11592 INTERNATIONAL FIDELITY INS CO 3,321 2,951 21.20 26.34 2.79 71.3310 244 CINCINNATI FIN GRP 3,136 3,507 34.22 41.09 2.63 73.97

**STATE TOTAL** 119,107 125,661 19.02 23.61 100.00 100.00. .

North Dakota 1 3548 TRAVELERS GRP 3,480 2,885 5.51 12.12 23.03 23.032 218 CNA INS GRP 2,663 2,314 36.29 39.17 17.62 40.653 228 WESTFIELD GRP 1,305 1,044 2.24 4.62 8.64 49.294 212 ZURICH INS GRP 866 601 11.56 14.02 5.73 55.025 111 LIBERTY MUT GRP 802 954 6.58 -1.95 5.31 60.336 84 AMERICAN FINANCIAL GRP 703 762 0.45 12.40 4.65 64.987 26310 GRANITE RE INC 633 625 -6.09 -6.09 4.19 69.178 62 EMC INS CO GRP 463 320 -22.22 -30.66 3.07 72.249 248 UNITED FIRE & CAS GRP 443 461 -0.43 -0.47 2.93 75.1710 91 HARTFORD FIRE & CAS GRP 413 366 7.08 7.47 2.73 77.90

**STATE TOTAL** 15,112 13,581 10.47 12.91 100.00 100.00. .

Ohio 1 228 WESTFIELD GRP 15,902 18,027 -1.39 4.12 13.37 13.372 111 LIBERTY MUT GRP 14,369 15,076 7.15 5.66 12.09 25.463 3548 TRAVELERS GRP 10,912 12,823 3.79 10.94 9.18 34.644 218 CNA INS GRP 8,927 8,234 32.75 36.11 7.51 42.145 244 CINCINNATI FIN GRP 8,920 8,487 8.07 10.55 7.50 49.656 212 ZURICH INS GRP 7,049 6,771 7.23 13.85 5.93 55.587 38 CHUBB & SON INC GRP 4,446 4,427 0.01 -1.50 3.74 59.318 91 HARTFORD FIRE & CAS GRP 4,095 3,942 40.28 39.72 3.44 62.769 84 AMERICAN FINANCIAL GRP 3,593 3,533 16.41 23.11 3.02 65.7810 11592 INTERNATIONAL FIDELITY INS CO 3,436 3,384 -19.91 -21.33 2.89 68.67

**STATE TOTAL** 118,899 121,364 8.68 12.09 100.00 100.00. .

Oklahoma 1 3548 TRAVELERS GRP 9,957 7,399 2.18 9.64 16.10 16.102 212 ZURICH INS GRP 7,964 7,599 3.72 4.75 12.88 28.973 111 LIBERTY MUT GRP 7,337 7,226 8.54 7.83 11.86 40.834 218 CNA INS GRP 5,142 4,428 18.13 20.61 8.31 49.155 84 AMERICAN FINANCIAL GRP 5,017 5,011 -18.68 -11.71 8.11 57.266 26310 GRANITE RE INC 4,225 4,278 27.13 27.13 6.83 64.097 38 CHUBB & SON INC GRP 2,790 3,297 2.96 2.96 4.51 68.608 228 WESTFIELD GRP 2,039 1,829 88.30 89.03 3.30 71.909 62 EMC INS CO GRP 1,796 2,189 373.54 484.30 2.90 74.8010 28517 VICTORE INS CO 1,432 1,432 0.84 -0.53 2.32 77.11

**STATE TOTAL** 61,855 58,448 23.67 30.57 100.00 100.00. .

Oregon 1 3548 TRAVELERS GRP 12,295 12,224 6.00 12.89 19.32 19.322 111 LIBERTY MUT GRP 8,795 9,301 78.45 106.88 13.82 33.143 218 CNA INS GRP 7,925 7,732 21.68 24.58 12.45 45.594 984 HCC INS HOLDINGS GRP 4,330 3,517 31.45 37.76 6.80 52.395 75 INSCO INS SERVICES GRP 4,193 5,027 13.56 12.01 6.59 58.986 37206 CONTRACTORS BONDING & INS CO 4,054 4,058 11.78 11.47 6.37 65.357 212 ZURICH INS GRP 3,358 4,439 109.70 114.86 5.28 70.638 38 CHUBB & SON INC GRP 2,884 3,041 1.77 1.77 4.53 75.169 84 AMERICAN FINANCIAL GRP 2,282 2,242 11.65 13.90 3.58 78.7410 783 RLI INS GRP 1,356 891 12.62 13.95 2.13 80.87

**STATE TOTAL** 63,645 64,499 36.85 45.41 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Pennsylvania 1 111 LIBERTY MUT GRP 34,906 38,009 10.72 12.45 18.61 18.61

2 3548 TRAVELERS GRP 30,893 30,481 13.66 22.61 16.47 35.073 212 ZURICH INS GRP 18,886 23,372 -0.67 1.13 10.07 45.144 218 CNA INS GRP 12,059 11,953 8.94 9.39 6.43 51.575 38 CHUBB & SON INC GRP 8,754 9,872 0.31 0.31 4.67 56.236 11592 INTERNATIONAL FIDELITY INS CO 7,754 7,291 79.76 97.05 4.13 60.377 1279 ARCH INS GRP 7,239 8,123 51.52 59.51 3.86 64.228 3592 PROALLIANCE GRP 6,201 6,149 -4.19 -5.72 3.31 67.539 626 ACE LTD GRP 5,201 5,957 -169.63 -231.40 2.77 70.3010 313 AEGIS GRP 5,142 4,727 8.63 11.14 2.74 73.04

**STATE TOTAL** 187,610 196,522 5.75 19.71 100.00 100.00. .

Rhode Island 1 3548 TRAVELERS GRP 3,862 3,068 -18.62 -12.07 25.94 25.942 111 LIBERTY MUT GRP 2,447 2,234 35.70 40.62 16.44 42.383 218 CNA INS GRP 1,898 1,778 40.52 52.13 12.75 55.134 91 HARTFORD FIRE & CAS GRP 1,045 918 2.26 -0.02 7.02 62.155 88 THE HANOVER INS GRP 820 955 5.84 15.57 5.51 67.666 212 ZURICH INS GRP 789 883 -1.87 45.78 5.30 72.967 181 SWISS RE GRP 645 661 -63.91 -53.80 4.33 77.298 98 WR BERKLEY CORP GRP 414 451 47.03 47.03 2.78 80.079 311 MAIN STREET AMER GRP 363 592 -2.73 -3.97 2.44 82.5210 38 CHUBB & SON INC GRP 318 239 -1.01 -1.01 2.14 84.66

**STATE TOTAL** 14,886 14,321 22.86 37.55 100.00 100.00. .

South Carolina 1 3548 TRAVELERS GRP 12,307 12,484 11.46 18.83 19.78 19.782 111 LIBERTY MUT GRP 8,465 9,320 8.22 4.03 13.61 33.393 218 CNA INS GRP 5,313 4,847 8.31 8.09 8.54 41.934 212 ZURICH INS GRP 2,828 2,893 4.99 7.10 4.55 46.475 150 OLD REPUBLIC GRP 2,698 1,325 56.01 72.39 4.34 50.816 38 CHUBB & SON INC GRP 2,343 2,127 -1.08 -1.52 3.77 54.577 88 THE HANOVER INS GRP 2,142 1,911 -14.79 -12.44 3.44 58.028 13121 PALMETTO SURETY CORP 1,842 1,842 1.31 1.31 2.96 60.989 91 HARTFORD FIRE & CAS GRP 1,822 2,182 418.46 440.00 2.93 63.9110 84 AMERICAN FINANCIAL GRP 1,744 1,896 2.52 5.41 2.80 66.71

**STATE TOTAL** 62,216 60,375 23.93 26.17 100.00 100.00. .

South Dakota 1 218 CNA INS GRP 2,752 2,348 16.00 17.39 17.96 17.962 4152 RELIAMAX HOLDING GRP 2,373 1,414 0.00 0.00 15.49 33.463 3548 TRAVELERS GRP 1,772 1,738 12.58 18.36 11.57 45.024 111 LIBERTY MUT GRP 1,474 1,333 4.97 16.20 9.62 54.655 248 UNITED FIRE & CAS GRP 977 1,019 -0.78 -0.85 6.38 61.026 212 ZURICH INS GRP 884 636 4.25 6.64 5.77 66.797 26310 GRANITE RE INC 752 741 32.47 32.47 4.91 71.708 228 WESTFIELD GRP 552 657 2.54 4.22 3.61 75.319 3479 MERCHANTS BONDING CO GRP 524 429 33.01 34.84 3.42 78.7310 38 CHUBB & SON INC GRP 454 306 1.28 1.28 2.96 81.69

**STATE TOTAL** 15,320 13,499 18.60 21.73 100.00 100.00. .

Tennessee 1 3548 TRAVELERS GRP 14,078 14,564 -8.68 0.81 18.84 18.842 111 LIBERTY MUT GRP 9,953 9,563 8.04 5.75 13.32 32.163 212 ZURICH INS GRP 8,576 8,500 1.83 0.56 11.47 43.634 218 CNA INS GRP 6,507 6,642 11.77 13.05 8.71 52.345 88 THE HANOVER INS GRP 2,619 2,720 12.06 18.71 3.50 55.846 244 CINCINNATI FIN GRP 2,586 2,491 23.52 25.83 3.46 59.307 38 CHUBB & SON INC GRP 2,480 2,539 0.67 0.67 3.32 62.628 91 HARTFORD FIRE & CAS GRP 2,419 2,457 25.33 32.67 3.24 65.869 3488 J A PATTERSON GRP 2,176 1,997 239.45 267.62 2.91 68.7710 228 WESTFIELD GRP 2,056 2,105 1.95 3.06 2.75 71.52

**STATE TOTAL** 74,736 76,337 32.05 37.46 100.00 100.00. .

Texas 1 3548 TRAVELERS GRP 72,164 74,467 12.15 19.59 16.16 16.162 111 LIBERTY MUT GRP 63,788 65,908 40.47 40.77 14.29 30.453 38 CHUBB & SON INC GRP 42,878 46,588 -0.59 -1.05 9.60 40.054 218 CNA INS GRP 39,098 39,272 17.49 19.09 8.76 48.81




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 212 ZURICH INS GRP 37,115 44,202 14.82 18.18 8.31 57.126 91 HARTFORD FIRE & CAS GRP 26,626 28,675 -23.54 -22.99 5.96 63.087 10916 SURETEC INS CO 25,537 26,293 3.52 3.72 5.72 68.808 11592 INTERNATIONAL FIDELITY INS CO 10,614 10,286 2.54 3.34 2.38 71.189 984 HCC INS HOLDINGS GRP 10,473 9,530 22.74 26.08 2.35 73.5210 181 SWISS RE GRP 9,588 9,620 6.66 8.88 2.15 75.67

**STATE TOTAL** 446,524 467,817 12.35 15.59 100.00 100.00. .

Utah 1 31 BERKSHIRE HATHAWAY GRP 12,500 6 -336.80 -336.80 19.47 19.472 3548 TRAVELERS GRP 11,697 11,086 6.53 12.96 18.22 37.693 111 LIBERTY MUT GRP 8,638 9,110 14.91 12.99 13.45 51.144 218 CNA INS GRP 7,317 6,611 11.49 13.13 11.40 62.545 212 ZURICH INS GRP 7,272 4,394 8.63 11.04 11.33 73.876 38 CHUBB & SON INC GRP 3,377 1,445 -0.56 -0.56 5.26 79.137 244 CINCINNATI FIN GRP 1,878 1,581 55.89 58.63 2.93 82.058 150 OLD REPUBLIC GRP 1,028 954 8.14 10.91 1.60 83.659 75 INSCO INS SERVICES GRP 971 1,298 64.28 70.21 1.51 85.1610 62 EMC INS CO GRP 817 933 -12.31 -20.94 1.27 86.44

**STATE TOTAL** 64,202 46,363 23.76 29.78 100.00 100.00. .

Vermont 1 3548 TRAVELERS GRP 1,145 1,096 -24.44 -12.74 15.89 15.892 212 ZURICH INS GRP 1,032 1,048 3.00 4.00 14.33 30.223 98 WR BERKLEY CORP GRP 854 854 3.28 3.28 11.85 42.074 111 LIBERTY MUT GRP 698 640 3.88 1.24 9.69 51.765 218 CNA INS GRP 650 509 15.67 17.39 9.02 60.786 181 SWISS RE GRP 411 488 26.88 28.21 5.70 66.487 88 THE HANOVER INS GRP 269 233 3.44 14.49 3.73 70.228 311 MAIN STREET AMER GRP 262 360 53.00 52.08 3.63 73.859 3592 PROALLIANCE GRP 258 258 -2.91 -4.09 3.57 77.4210 38 CHUBB & SON INC GRP 248 245 6.57 6.57 3.45 80.87

**STATE TOTAL** 7,205 7,101 7.85 10.62 100.00 100.00. .

Virginia 1 3548 TRAVELERS GRP 35,549 39,113 12.69 19.61 21.76 21.762 111 LIBERTY MUT GRP 25,849 24,929 15.00 14.98 15.82 37.583 212 ZURICH INS GRP 23,993 24,654 1.41 3.86 14.68 52.264 38 CHUBB & SON INC GRP 11,288 13,131 0.63 0.63 6.91 59.175 218 CNA INS GRP 9,070 8,236 19.40 22.37 5.55 64.726 88 THE HANOVER INS GRP 8,181 7,419 -2.72 1.99 5.01 69.737 91 HARTFORD FIRE & CAS GRP 7,517 7,867 10.97 9.53 4.60 74.338 984 HCC INS HOLDINGS GRP 4,776 4,690 23.74 24.81 2.92 77.259 3488 J A PATTERSON GRP 3,775 3,655 2.01 2.05 2.31 79.5610 626 ACE LTD GRP 2,655 2,658 10.59 14.43 1.63 81.19

**STATE TOTAL** 163,390 167,932 16.93 19.71 100.00 100.00. .

Washington 1 3548 TRAVELERS GRP 31,687 32,504 10.49 17.70 23.06 23.062 111 LIBERTY MUT GRP 26,259 28,564 10.64 5.78 19.11 42.183 212 ZURICH INS GRP 12,198 12,058 -3.27 3.96 8.88 51.054 218 CNA INS GRP 8,558 7,866 68.54 73.24 6.23 57.285 37206 CONTRACTORS BONDING & INS CO 7,131 7,488 8.96 9.84 5.19 62.476 984 HCC INS HOLDINGS GRP 5,933 5,278 31.41 39.30 4.32 66.797 38 CHUBB & SON INC GRP 5,278 6,062 -1.47 -1.47 3.84 70.638 75 INSCO INS SERVICES GRP 4,613 6,115 18.63 22.79 3.36 73.999 91 HARTFORD FIRE & CAS GRP 4,456 4,160 -25.86 -50.00 3.24 77.2310 12 AMERICAN INTL GRP 2,866 2,198 2.08 1.03 2.09 79.32

**STATE TOTAL** 137,393 140,420 17.47 19.14 100.00 100.00. .

West Virginia 1 3548 TRAVELERS GRP 12,323 11,585 3.68 9.40 33.77 33.772 111 LIBERTY MUT GRP 3,268 3,554 3.13 3.31 8.95 42.723 228 WESTFIELD GRP 2,264 2,637 -0.23 2.31 6.20 48.924 3488 J A PATTERSON GRP 1,864 1,825 2.74 2.74 5.11 54.035 212 ZURICH INS GRP 1,758 1,508 -0.49 0.34 4.82 58.856 218 CNA INS GRP 1,534 1,616 0.65 0.03 4.20 63.057 38 CHUBB & SON INC GRP 1,493 1,715 0.32 0.32 4.09 67.148 984 HCC INS HOLDINGS GRP 1,149 957 5.99 4.50 3.15 70.299 84 AMERICAN FINANCIAL GRP 1,127 1,036 15.92 18.99 3.09 73.38




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 38504 FIRST SURETY CORP 907 719 25.02 25.02 2.49 75.86**STATE TOTAL** 36,497 35,378 11.92 -16.21 100.00 100.00

. .Wisconsin 1 111 LIBERTY MUT GRP 6,871 7,342 13.54 13.54 15.74 15.74

2 218 CNA INS GRP 6,852 6,494 11.22 12.31 15.70 31.443 3548 TRAVELERS GRP 5,896 5,930 13.48 19.48 13.51 44.944 212 ZURICH INS GRP 3,194 3,797 -10.00 -3.81 7.32 52.265 88 THE HANOVER INS GRP 2,886 2,648 -4.94 -1.59 6.61 58.876 26310 GRANITE RE INC 2,351 2,347 85.00 85.00 5.39 64.257 1243 WEST BEND MUT GRP 1,545 1,531 11.59 14.54 3.54 67.798 150 OLD REPUBLIC GRP 1,332 1,339 -0.46 2.06 3.05 70.849 12 AMERICAN INTL GRP 1,303 1,130 -14.43 -16.45 2.98 73.8310 3479 MERCHANTS BONDING CO GRP 941 937 2.92 4.04 2.16 75.98

**STATE TOTAL** 43,656 45,082 8.54 12.73 100.00 100.00. .

Wyoming 1 3548 TRAVELERS GRP 6,825 7,241 -7.94 -1.97 27.60 27.602 111 LIBERTY MUT GRP 3,939 4,128 15.67 16.24 15.93 43.543 218 CNA INS GRP 2,766 2,856 7.63 8.48 11.19 54.724 212 ZURICH INS GRP 2,369 1,737 4.54 6.08 9.58 64.315 181 SWISS RE GRP 1,008 994 0.27 0.44 4.08 68.386 38 CHUBB & SON INC GRP 927 704 -0.48 -0.48 3.75 72.137 248 UNITED FIRE & CAS GRP 887 981 0.51 0.47 3.59 75.728 984 HCC INS HOLDINGS GRP 850 486 14.49 15.61 3.44 79.169 62 EMC INS CO GRP 636 620 -22.33 -30.98 2.57 81.7310 91 HARTFORD FIRE & CAS GRP 525 522 1.45 -0.36 2.12 83.85

**STATE TOTAL** 24,725 24,214 7.37 9.93 100.00 100.00. .

Guam 1 212 ZURICH INS GRP 1,947 1,945 2.59 3.47 40.29 40.292 13597 CHUNG KUO INS CO LTD 755 684 148.69 151.79 15.63 55.923 38 CHUBB & SON INC GRP 651 646 2.46 2.46 13.48 69.404 4672 DONGBU INS GRP 568 671 -48.29 -51.41 11.75 81.155 12633 CENTURY INS CO GU LTD 476 379 2.30 2.30 9.86 91.016 18380 PACIFIC IND INS CO 299 227 0.00 0.13 6.19 97.207 3548 TRAVELERS GRP 61 18 18.33 14.96 1.26 98.478 4641 D & J ROTTMAN GRP 27 27 44.70 68.18 0.55 99.029 111 LIBERTY MUT GRP 25 358 -40.41 -57.16 0.52 99.54

**STATE TOTAL** 4,833 4,974 12.54 11.81 100.00 100.00. .

Puerto Rico 1 3593 USIC GRP 13,114 15,456 125.45 134.87 31.76 31.762 411 MAPFRE INS GRP 4,826 5,673 67.94 75.95 11.69 43.453 3548 TRAVELERS GRP 4,304 6,028 34.87 48.81 10.42 53.874 10009 TOWER BONDING & SURETY CO 3,103 3,305 8.47 8.23 7.52 61.395 71 UNIVERSAL INS CO GRP 2,937 3,141 15.64 25.97 7.11 68.506 15110 NEWPORT BONDING & SURETY CO 2,659 2,918 19.52 39.41 6.44 74.947 40568 TRIPLE S PROPIEDAD INC 2,239 2,601 -2.01 24.97 5.42 80.368 212 ZURICH INS GRP 1,808 3,577 3.66 5.05 4.38 84.749 218 CNA INS GRP 1,577 1,945 -9.80 -11.93 3.82 88.5610 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 1,003 3,542 110.68 110.74 2.43 90.99

**STATE TOTAL** 41,289 53,252 80.07 91.84 100.00 100.00. .

U.S. Virgin Islands 1 3548 TRAVELERS GRP 322 198 6.81 6.25 34.41 34.412 218 CNA INS GRP 308 264 -4.22 -4.85 32.94 67.353 212 ZURICH INS GRP 69 60 949.91 968.85 7.40 74.754 17779 GUARDIAN INS CO INC 63 61 0.00 0.00 6.75 81.505 181 SWISS RE GRP 56 54 3.25 6.30 5.94 87.446 38 CHUBB & SON INC GRP 51 53 9.17 9.17 5.40 92.857 1326 KINGSWAY GRP 21 23 0.00 0.00 2.27 95.128 111 LIBERTY MUT GRP 16 67 -30.04 -41.99 1.75 96.879 626 ACE LTD GRP 11 10 0.00 0.00 1.14 98.0010 161 TOPA EQUITIES LTD GRP 8 8 38.38 38.38 0.87 98.87

**STATE TOTAL** 935 801 72.73 72.97 100.00 100.00. .

N. Mariana Islands 1 212 ZURICH INS GRP 357 306 5.08 6.81 76.42 76.42**STATE TOTAL** 467 661 2.61 3.20 100.00 100.00

. .




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Canada 1 218 CNA INS GRP 3,849 3,706 -5.73 -5.73 56.03 56.032 98 WR BERKLEY CORP GRP 2,691 1,056 42.64 42.64 39.17 95.203 111 LIBERTY MUT GRP 106 496 -31.74 -47.77 1.54 96.744 84 AMERICAN FINANCIAL GRP 99 46 21.18 24.47 1.44 98.175 91 HARTFORD FIRE & CAS GRP 67 99 25.04 25.89 0.97 99.14

**STATE TOTAL** 6,870 5,448 1.57 0.38 100.00 100.00. .

Aggregate Other Alien 1 212 ZURICH INS GRP 10,307 1,859 13.88 19.10 29.20 29.202 783 RLI INS GRP 6,982 7,218 92.09 93.06 19.78 48.973 38 CHUBB & SON INC GRP 5,271 3,825 6.88 5.79 14.93 63.904 12 AMERICAN INTL GRP 5,039 5,205 69.82 43.27 14.28 78.185 181 SWISS RE GRP 2,905 2,905 59.00 107.68 8.23 86.416 3548 TRAVELERS GRP 2,560 1,024 82.97 81.58 7.25 93.667 626 ACE LTD GRP 1,283 2,053 565.65 395.31 3.63 97.30

**STATE TOTAL** 35,302 24,505 106.13 93.22 100.00 100.00. .




26— Burglary and Theft



States, U.S. Territories, Canada, and Aggregate Other Alien26-Burglary and Theft



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 3548 TRAVELERS GRP 37,911 37,312 -3.72 3.14 22.52 22.522 38 CHUBB & SON INC GRP 33,514 34,120 7.79 5.85 19.91 42.433 212 ZURICH INS GRP 17,125 15,756 31.93 32.74 10.17 52.604 12 AMERICAN INTL GRP 12,579 14,169 -6.67 -5.56 7.47 60.085 91 HARTFORD FIRE & CAS GRP 10,179 10,665 7.16 11.54 6.05 66.126 215 UNITRIN GRP 9,311 9,339 26.09 26.09 5.53 71.667 88 THE HANOVER INS GRP 5,840 3,075 40.46 40.46 3.47 75.128 140 NATIONWIDE CORP GRP 4,488 4,659 15.26 16.05 2.67 77.799 218 CNA INS GRP 2,884 2,564 38.78 46.43 1.71 79.5010 626 ACE LTD GRP 2,704 2,242 42.83 49.91 1.61 81.1111 306 CUNA MUT GRP 2,012 2,086 14.24 14.30 1.20 82.3112 71 UNIVERSAL INS CO GRP 1,812 1,793 0.00 0.00 1.08 83.3813 796 QBE INS GRP 1,362 1,401 21.28 23.15 0.81 84.1914 244 CINCINNATI FIN GRP 1,328 1,167 7.64 7.71 0.79 84.9815 1285 XL AMER GRP 1,111 1,960 20.11 35.15 0.66 85.6416 111 LIBERTY MUT GRP 1,099 4,583 -1.34 -1.23 0.65 86.2917 291 MOTORISTS MUT GRP 1,058 1,060 45.45 45.45 0.63 86.9218 84 AMERICAN FINANCIAL GRP 1,042 1,004 12.83 15.57 0.62 87.5419 963 OHIO MUT GRP 999 1,050 47.62 48.73 0.59 88.1320 253 HARLEYSVILLE GRP 966 1,002 42.22 42.31 0.57 88.7121 225 IAT REINS CO GRP 933 962 131.46 143.44 0.55 89.2622 280 AUTO OWNERS GRP 869 866 46.75 48.01 0.52 89.7823 123 SHELTER INS GRP 860 855 38.47 39.11 0.51 90.2924 7 FEDERATED MUT GRP 854 923 11.82 11.71 0.51 90.8025 248 UNITED FIRE & CAS GRP 834 854 29.00 30.07 0.50 91.2926 169 SENTRY INS GRP 812 852 35.72 35.97 0.48 91.7727 4509 IRONSHORE GRP 729 415 54.97 61.44 0.43 92.2128 1243 WEST BEND MUT GRP 624 324 1.54 1.83 0.37 92.5829 242 SELECTIVE INS GRP 615 599 52.36 53.29 0.37 92.9430 17337 HANOVER FIRE & CAS INS CO 609 612 7.43 7.43 0.36 93.3131 5 ALFA INS GRP 608 586 0.00 0.00 0.36 93.6732 1346 AMERICAN SAFETY HOLDING GRP 603 695 27.01 47.77 0.36 94.0233 17779 GUARDIAN INS CO INC 534 479 0.00 0.00 0.32 94.3434 228 WESTFIELD GRP 502 511 46.14 43.21 0.30 94.6435 677 PHILADELPHIA CONSOLIDATED HOLDING GR 491 409 14.54 14.54 0.29 94.9336 62 EMC INS CO GRP 455 452 31.72 31.71 0.27 95.2037 54 CUMBERLAND GRP 438 432 4.80 5.19 0.26 95.4638 98 WR BERKLEY CORP GRP 393 1,200 83.70 92.07 0.23 95.7039 175 STATE AUTO MUT GRP 356 377 -20.44 -20.19 0.21 95.9140 1129 WHITE MOUNTAINS GRP 352 241 9.73 10.22 0.21 96.1241 3497 MIRAGE INTERESTS GRP 320 330 42.57 41.88 0.19 96.3142 762 FRANKLIN MUT GRP 308 299 0.00 0.00 0.18 96.4943 309 WESTERN NATL MUT 307 299 -17.36 -17.66 0.18 96.6744 29831 INDEPENDENT MUT FIRE INS CO 282 283 20.35 21.60 0.17 96.8445 31 BERKSHIRE HATHAWAY GRP 282 252 -0.54 1.43 0.17 97.0146 802 CAPITAL INS GRP 278 269 5.98 6.61 0.17 97.1747 44776 TORUS SPECIALTY INS CO 233 58 33.72 36.15 0.14 97.3148 17647 UNITED HOME INS CO 216 214 23.53 25.34 0.13 97.4449 125 PENN MILLER GRP 213 203 73.35 88.08 0.13 97.5750 11118 FEDERATED RURAL ELECTRIC INS EXCH 212 211 -9.92 -9.92 0.13 97.6951 14184 ACUITY A MUT INS CO 204 201 2.51 2.21 0.12 97.8152 311 MAIN STREET AMER GRP 193 201 11.73 11.73 0.11 97.9353 783 RLI INS GRP 184 379 81.82 80.51 0.11 98.0454 201 UTICA GRP 180 190 -0.05 1.29 0.11 98.1455 4636 MAX CAPITAL GRP 161 93 56.55 55.44 0.10 98.2456 8 ALLSTATE INS GRP 150 327 6.93 6.90 0.09 98.3357 3416 AXIS CAPITAL GRP 144 146 88.96 94.41 0.09 98.4158 13412 AUSTIN MUT INS CO 110 57 95.65 95.65 0.07 98.4859 10541 AGRINATIONAL INS CO 108 27 0.00 0.00 0.06 98.5460 14974 PENNSYLVANIA LUMBERMENS MUT INS 101 87 0.38 0.38 0.06 98.6061 2538 AMTRUST FINANCIAL SERV GRP 100 96 0.77 0.96 0.06 98.6662 13597 CHUNG KUO INS CO LTD 98 91 21.18 26.16 0.06 98.7263 207 WESTERN RESERVE 93 88 17.28 17.28 0.06 98.7864 343 NATIONAL INS CO GRP 87 90 47.87 47.30 0.05 98.8365 15792 UNDERWRITERS AT LLOYDS LONDON 78 71 0.00 0.00 0.05 98.88




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 474 FCCI MUT INS GRP 76 74 20.41 20.26 0.05 98.9267 3098 TOKIO MARINE HOLDINGS INC GRP 75 88 139.31 146.13 0.04 98.9768 13009 GEORGIA DEALERS INS CO 67 64 114.12 114.12 0.04 99.0169 4672 DONGBU INS GRP 64 64 42.77 53.81 0.04 99.0470 483 SOUTHERN FARM BUREAU CAS GRP 63 63 17.03 16.91 0.04 99.0871 16411 COOPERATIVE MUT INS CO 55 99 24.62 25.09 0.03 99.1172 447 HARFORD GRP 54 53 0.57 0.55 0.03 99.1573 761 ALLIANZ INS GRP 52 55 -527.02 -526.51 0.03 99.1874 15709 SOUTHERN STATES INS EXCH 51 52 27.57 27.57 0.03 99.2175 670 FIDELITY NATL FIN GRP 51 45 11.14 11.15 0.03 99.2476 181 SWISS RE GRP 48 49 6.44 -4.15 0.03 99.2777 250 DONEGAL GRP 48 27 6.86 6.86 0.03 99.2978 635 CONTINENTAL INS CO GRP 47 47 19.84 19.84 0.03 99.3279 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 47 50 1.28 1.28 0.03 99.3580 473 AMERICAN FAMILY INS GRP 43 37 5.48 5.48 0.03 99.3881 42056 SLAVONIC INS CO OF TX 42 44 13.95 13.95 0.02 99.4082 27073 NIPPONKOA INS CO LTD US BR 39 36 -3.53 -3.67 0.02 99.4283 518 GRINNELL MUT GRP 37 40 10.97 10.89 0.02 99.4584 37613 FARMERS UNION MUT INS CO 35 33 8.84 8.84 0.02 99.4785 13757 FARM BUREAU MUT INS CO OF AR INC 35 33 31.70 31.70 0.02 99.4986 3489 DELEK GRP 34 27 -15.27 -15.09 0.02 99.5187 888 MUTUAL FIRE MARINE & INLAND INS GRP 33 32 0.00 0.00 0.02 99.5388 30651 FARMERS MUT OF TN 32 31 15.23 15.23 0.02 99.5589 3239 ALLIED WORLD ASSUR HOLDING GRP 31 10 64.39 64.39 0.02 99.5690 18767 CHURCH MUT INS CO 27 28 -27.49 -27.49 0.02 99.5891 18380 PACIFIC IND INS CO 27 25 137.61 113.70 0.02 99.6092 4513 AIOI INS GRP 26 23 229.57 229.70 0.02 99.6193 43354 SAN ANTONIO IND CO 26 30 9.87 9.87 0.02 99.6394 333 MUTUAL OF ENUMCLAW GRP 25 24 12.21 12.24 0.01 99.6495 35 CELINA GRP 23 24 0.00 0.00 0.01 99.6696 807 COLUMBIA INS GRP 23 24 -53.75 -53.75 0.01 99.6797 10972 FIRST NET INS CO 22 24 100.50 133.00 0.01 99.6898 32727 UNDERWRITERS AT LLOYDS 21 22 56.17 61.52 0.01 99.7099 501 ALLEGHANY GRP 21 27 1071.71 1089.60 0.01 99.71100 124 AMERISURE CO GRP 20 24 423.33 423.79 0.01 99.72101 153 PEKIN INS GRP 20 20 -0.49 -0.47 0.01 99.73102 176 STATE FARM GRP 19 19 7.07 8.61 0.01 99.74103 106 ISLAND INS CO GRP 19 19 -72.75 -66.79 0.01 99.75104 26778 INTEGRAND ASSUR CO 18 13 47.42 47.42 0.01 99.76105 12866 T H E INS CO 18 20 9.78 10.56 0.01 99.77106 842 FARM BUREAU GRP 17 20 80.51 80.51 0.01 99.78107 28550 HOUSING & REDEVELOPMENT INS EXCH 17 17 0.00 0.00 0.01 99.80108 267 GRANGE MUT CAS GRP 17 12 5.21 5.36 0.01 99.81109 4678 WAYNE & WASHINGTON MUT GRP 16 17 24.23 24.23 0.01 99.81110 791 MOUNTAIN STATES INS CO GRP 15 15 13.84 13.84 0.01 99.82111 12006 DISTRICTS MUT INS 15 14 0.00 0.00 0.01 99.83112 40568 TRIPLE S PROPIEDAD INC 14 9 0.00 -47.47 0.01 99.84113 13889 FARMERS MUT INS CO OF NE 14 14 19.92 19.92 0.01 99.85114 785 MARKEL CORP GRP 12 14 -4.13 -5.84 0.01 99.86115 213 ERIE INS GRP 12 13 0.00 0.00 0.01 99.86116 3703 TOWER GRP 12 15 -6.15 -11.70 0.01 99.87117 36 CENTRAL MUT INS CO GRP 11 13 0.00 0.00 0.01 99.88118 12633 CENTURY INS CO GU LTD 11 14 3.50 3.50 0.01 99.88119 645 OREGON MUT GRP 11 14 -180.83 -180.83 0.01 99.89120 93 STATE NATL GRP 10 10 0.00 0.00 0.01 99.90

**INDUSTRY TOTAL** 168,331 170,125 12.60 14.89 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 3548 TRAVELERS GRP 465 379 -3.14 3.09 26.91 26.912 212 ZURICH INS GRP 319 299 13.07 13.31 18.45 45.363 38 CHUBB & SON INC GRP 290 306 -0.30 -0.67 16.79 62.164 91 HARTFORD FIRE & CAS GRP 113 99 11.68 14.96 6.53 68.695 140 NATIONWIDE CORP GRP 55 36 138.78 138.71 3.17 71.866 796 QBE INS GRP 52 43 16.13 16.01 3.00 74.877 280 AUTO OWNERS GRP 48 47 536.05 544.88 2.78 77.658 626 ACE LTD GRP 47 32 54.40 61.30 2.70 80.349 248 UNITED FIRE & CAS GRP 37 37 13.86 13.45 2.12 82.4610 7 FEDERATED MUT GRP 36 37 84.60 84.46 2.08 84.54

**STATE TOTAL** 1,729 1,588 27.80 30.28 100.00 100.00. .

Alaska 1 12 AMERICAN INTL GRP 54 56 4.33 4.48 22.33 22.332 38 CHUBB & SON INC GRP 39 32 2.11 2.01 15.88 38.213 91 HARTFORD FIRE & CAS GRP 36 41 5.96 5.83 14.63 52.844 3548 TRAVELERS GRP 35 32 5.96 16.40 14.29 67.135 212 ZURICH INS GRP 14 16 0.53 0.73 5.65 72.786 626 ACE LTD GRP 10 12 36.95 43.35 4.31 77.097 13412 AUSTIN MUT INS CO 9 2 0.00 0.00 3.61 80.708 84 AMERICAN FINANCIAL GRP 6 6 2.80 1.59 2.63 83.339 225 IAT REINS CO GRP 6 7 1509.84 1593.74 2.61 85.9410 291 MOTORISTS MUT GRP 6 17 10.87 10.87 2.58 88.52

**STATE TOTAL** 243 246 44.68 48.96 100.00 100.00. .

Arizona 1 38 CHUBB & SON INC GRP 340 346 -3.51 -5.11 19.21 19.212 3548 TRAVELERS GRP 317 294 -6.86 2.29 17.95 37.163 12 AMERICAN INTL GRP 191 285 -15.25 -15.31 10.80 47.964 91 HARTFORD FIRE & CAS GRP 139 148 3.63 5.97 7.84 55.815 140 NATIONWIDE CORP GRP 124 150 174.18 178.20 7.02 62.826 225 IAT REINS CO GRP 120 122 -310.52 -311.56 6.81 69.637 212 ZURICH INS GRP 108 112 172.82 171.81 6.13 75.768 218 CNA INS GRP 63 33 128.27 138.68 3.59 79.359 84 AMERICAN FINANCIAL GRP 63 54 20.95 28.28 3.55 82.9010 291 MOTORISTS MUT GRP 52 27 60.99 60.99 2.91 85.81

**STATE TOTAL** 1,769 1,842 7.60 10.05 100.00 100.00. .

Arkansas 1 215 UNITRIN GRP 411 413 44.82 44.82 25.18 25.182 17647 UNITED HOME INS CO 215 213 26.53 26.53 13.17 38.353 123 SHELTER INS GRP 186 190 33.43 34.51 11.40 49.754 3548 TRAVELERS GRP 183 173 -62.90 -59.44 11.24 61.005 212 ZURICH INS GRP 85 95 10.65 10.86 5.21 66.206 38 CHUBB & SON INC GRP 78 117 -0.67 -1.12 4.79 70.997 140 NATIONWIDE CORP GRP 54 58 17.60 17.55 3.33 74.328 91 HARTFORD FIRE & CAS GRP 50 40 14.20 21.62 3.06 77.399 37613 FARMERS UNION MUT INS CO 35 33 8.84 8.84 2.15 79.5410 13412 AUSTIN MUT INS CO 35 21 245.96 245.96 2.13 81.67

**STATE TOTAL** 1,631 1,670 33.75 34.77 100.00 100.00. .

California 1 38 CHUBB & SON INC GRP 4,252 4,283 4.88 4.27 22.74 22.742 3548 TRAVELERS GRP 3,493 3,466 -16.83 -9.94 18.68 41.423 12 AMERICAN INTL GRP 3,331 4,046 -33.54 -35.03 17.81 59.244 212 ZURICH INS GRP 2,149 2,004 24.62 26.65 11.50 70.735 91 HARTFORD FIRE & CAS GRP 1,462 1,544 0.16 -0.98 7.82 78.556 140 NATIONWIDE CORP GRP 734 750 24.61 25.96 3.93 82.487 215 UNITRIN GRP 404 408 9.59 9.59 2.16 84.648 626 ACE LTD GRP 395 374 30.36 36.93 2.11 86.759 1285 XL AMER GRP 331 323 28.32 61.56 1.77 88.5210 218 CNA INS GRP 323 275 47.17 55.40 1.73 90.24

**STATE TOTAL** 18,698 19,502 1.83 4.08 100.00 100.00. .

Colorado 1 3548 TRAVELERS GRP 884 841 0.69 5.73 32.69 32.692 212 ZURICH INS GRP 372 276 59.53 60.17 13.78 46.463 38 CHUBB & SON INC GRP 368 368 -2.06 -3.20 13.61 60.084 12 AMERICAN INTL GRP 364 326 2.34 2.41 13.46 73.545 91 HARTFORD FIRE & CAS GRP 172 175 -142.87 -137.03 6.37 79.91




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 291 MOTORISTS MUT GRP 89 100 104.40 104.39 3.29 83.197 140 NATIONWIDE CORP GRP 76 82 8.35 8.38 2.80 85.998 1346 AMERICAN SAFETY HOLDING GRP 39 18 27.01 47.77 1.44 87.439 677 PHILADELPHIA CONSOLIDATED HOLDING GR 39 28 -42.40 -42.40 1.43 88.8610 123 SHELTER INS GRP 33 33 19.68 20.07 1.22 90.08

**STATE TOTAL** 2,704 2,568 5.62 8.07 100.00 100.00. .

Connecticut 1 38 CHUBB & SON INC GRP 806 822 -1.30 -2.44 24.76 24.762 3548 TRAVELERS GRP 710 679 -47.07 -37.82 21.80 46.553 212 ZURICH INS GRP 459 374 7.63 7.81 14.10 60.664 12 AMERICAN INTL GRP 445 447 -6.85 -7.87 13.67 74.335 88 THE HANOVER INS GRP 270 167 0.00 0.00 8.28 82.626 91 HARTFORD FIRE & CAS GRP 202 228 8.29 11.57 6.21 88.837 253 HARLEYSVILLE GRP 87 89 254.18 254.31 2.67 91.508 140 NATIONWIDE CORP GRP 44 41 2.04 2.03 1.35 92.849 626 ACE LTD GRP 29 18 56.18 61.72 0.90 93.7410 4509 IRONSHORE GRP 22 14 48.92 54.36 0.68 94.42

**STATE TOTAL** 3,257 3,174 -12.64 -10.48 100.00 100.00. .

Delaware 1 3548 TRAVELERS GRP 1,386 1,294 -6.68 -2.99 76.17 76.172 12 AMERICAN INTL GRP 167 171 -5.85 -7.01 9.16 85.333 38 CHUBB & SON INC GRP 43 87 -0.47 -1.07 2.38 87.724 212 ZURICH INS GRP 37 42 20.50 20.91 2.05 89.765 140 NATIONWIDE CORP GRP 28 25 -1.14 -1.28 1.54 91.306 88 THE HANOVER INS GRP 27 15 0.00 0.00 1.48 92.787 91 HARTFORD FIRE & CAS GRP 22 25 -0.92 0.55 1.22 94.008 218 CNA INS GRP 14 19 21.35 30.21 0.77 94.779 54 CUMBERLAND GRP 13 11 0.00 0.00 0.70 95.4710 242 SELECTIVE INS GRP 11 12 0.00 0.63 0.62 96.09

**STATE TOTAL** 1,819 1,773 -4.53 -1.86 100.00 100.00. .

District of Columbia 1 12 AMERICAN INTL GRP 462 374 -1.82 -2.38 30.77 30.772 38 CHUBB & SON INC GRP 397 341 -1.66 -2.54 26.44 57.213 3548 TRAVELERS GRP 369 394 -3.63 2.81 24.54 81.744 91 HARTFORD FIRE & CAS GRP 100 103 2.03 0.70 6.65 88.395 17337 HANOVER FIRE & CAS INS CO 36 37 0.00 0.00 2.42 90.826 212 ZURICH INS GRP 29 44 -5.53 -5.51 1.93 92.757 88 THE HANOVER INS GRP 20 14 0.00 0.00 1.33 94.088 215 UNITRIN GRP 19 18 4.21 4.21 1.23 95.319 218 CNA INS GRP 11 6 57.57 57.54 0.71 96.0110 111 LIBERTY MUT GRP 10 41 70.70 70.73 0.68 96.69

**STATE TOTAL** 1,502 1,415 0.53 1.92 100.00 100.00. .

Florida 1 3548 TRAVELERS GRP 1,653 1,643 -14.04 -6.89 16.99 16.992 38 CHUBB & SON INC GRP 1,351 1,422 5.48 4.26 13.89 30.893 306 CUNA MUT GRP 1,276 1,261 5.34 5.29 13.12 44.014 212 ZURICH INS GRP 1,170 1,107 15.64 15.62 12.03 56.045 12 AMERICAN INTL GRP 861 919 2.56 2.46 8.85 64.896 91 HARTFORD FIRE & CAS GRP 623 650 -6.37 -5.78 6.41 71.307 215 UNITRIN GRP 588 590 9.98 9.98 6.05 77.358 88 THE HANOVER INS GRP 480 326 10.11 10.13 4.94 82.289 31 BERKSHIRE HATHAWAY GRP 182 161 -0.00 3.07 1.87 84.1510 796 QBE INS GRP 156 161 0.52 -0.05 1.60 85.75

**STATE TOTAL** 9,725 9,716 -10.70 -9.13 100.00 100.00. .

Georgia 1 3548 TRAVELERS GRP 1,137 1,172 1.53 10.42 23.73 23.732 38 CHUBB & SON INC GRP 814 812 9.88 9.84 17.00 40.723 12 AMERICAN INTL GRP 696 623 1.86 1.77 14.52 55.254 215 UNITRIN GRP 392 389 25.81 25.81 8.18 63.435 88 THE HANOVER INS GRP 288 171 0.05 0.06 6.00 69.436 91 HARTFORD FIRE & CAS GRP 278 284 11.22 13.03 5.80 75.247 212 ZURICH INS GRP 278 245 65.50 81.05 5.79 81.038 626 ACE LTD GRP 154 121 62.30 69.51 3.22 84.259 140 NATIONWIDE CORP GRP 95 113 138.98 140.51 1.99 86.2410 218 CNA INS GRP 92 61 -70.50 -59.14 1.92 88.16




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 4,791 4,685 10.29 14.75 100.00 100.00. .

Hawaii 1 12 AMERICAN INTL GRP 94 130 -1.04 -1.08 23.50 23.502 3548 TRAVELERS GRP 87 90 2.92 10.36 21.86 45.363 626 ACE LTD GRP 57 23 -83.00 -76.74 14.26 59.624 212 ZURICH INS GRP 41 33 0.48 0.48 10.30 69.925 4513 AIOI INS GRP 26 23 229.57 229.70 6.54 76.466 38 CHUBB & SON INC GRP 23 21 -0.72 -1.05 5.84 82.307 218 CNA INS GRP 20 21 -31.81 -24.66 5.05 87.358 106 ISLAND INS CO GRP 19 19 -72.75 -66.79 4.71 92.069 1285 XL AMER GRP 8 9 -2.69 -2.84 1.92 93.9810 84 AMERICAN FINANCIAL GRP 6 6 -5.99 -7.96 1.51 95.49

**STATE TOTAL** 400 390 3.19 5.88 100.00 100.00. .

Idaho 1 3548 TRAVELERS GRP 95 102 -17.30 -13.25 27.39 27.392 38 CHUBB & SON INC GRP 57 55 -1.01 -1.76 16.41 43.803 140 NATIONWIDE CORP GRP 37 31 64.73 64.78 10.76 54.564 212 ZURICH INS GRP 29 38 27.48 28.02 8.51 63.085 291 MOTORISTS MUT GRP 26 36 250.05 250.03 7.60 70.676 91 HARTFORD FIRE & CAS GRP 19 17 3.54 3.26 5.48 76.157 842 FARM BUREAU GRP 17 20 80.51 80.51 5.05 81.208 626 ACE LTD GRP 13 13 55.32 62.40 3.67 84.889 796 QBE INS GRP 12 12 0.70 0.48 3.42 88.3010 1285 XL AMER GRP 5 5 13.83 15.46 1.58 89.88

**STATE TOTAL** 346 383 33.64 34.92 100.00 100.00. .

Illinois 1 3548 TRAVELERS GRP 1,810 1,763 -16.69 -11.58 20.69 20.692 12 AMERICAN INTL GRP 1,735 1,705 24.51 25.18 19.83 40.523 38 CHUBB & SON INC GRP 1,639 1,675 -2.02 -3.06 18.74 59.254 91 HARTFORD FIRE & CAS GRP 607 635 12.58 13.92 6.94 66.195 212 ZURICH INS GRP 572 561 84.74 85.97 6.54 72.736 88 THE HANOVER INS GRP 436 167 0.06 0.07 4.98 77.717 215 UNITRIN GRP 400 397 23.48 23.48 4.58 82.298 218 CNA INS GRP 141 95 -44.46 -33.11 1.61 83.909 29831 INDEPENDENT MUT FIRE INS CO 139 140 7.43 7.43 1.59 85.5010 244 CINCINNATI FIN GRP 126 110 26.23 26.23 1.44 86.94

**STATE TOTAL** 8,747 8,533 17.00 20.13 100.00 100.00. .

Indiana 1 3548 TRAVELERS GRP 515 477 -13.14 -7.23 20.72 20.722 38 CHUBB & SON INC GRP 494 520 -0.29 -0.63 19.86 40.583 212 ZURICH INS GRP 175 163 33.51 35.03 7.02 47.604 12 AMERICAN INTL GRP 128 138 -1.25 -1.23 5.15 52.755 215 UNITRIN GRP 124 125 37.08 37.08 5.00 57.756 88 THE HANOVER INS GRP 113 46 0.67 0.70 4.53 62.287 91 HARTFORD FIRE & CAS GRP 96 114 12.02 15.33 3.88 66.168 1243 WEST BEND MUT GRP 90 36 -0.10 -0.11 3.62 69.789 280 AUTO OWNERS GRP 79 81 49.26 49.21 3.16 72.9410 29831 INDEPENDENT MUT FIRE INS CO 73 73 53.58 53.58 2.92 75.86

**STATE TOTAL** 2,487 2,544 13.22 14.67 100.00 100.00. .

Iowa 1 3548 TRAVELERS GRP 331 303 -4.70 2.59 23.31 23.312 38 CHUBB & SON INC GRP 214 199 0.13 -0.20 15.03 38.353 140 NATIONWIDE CORP GRP 155 154 -1.13 -1.13 10.93 49.284 248 UNITED FIRE & CAS GRP 106 107 7.16 7.24 7.45 56.735 62 EMC INS CO GRP 97 98 69.85 69.86 6.86 63.596 1243 WEST BEND MUT GRP 66 36 6.73 6.72 4.62 68.217 91 HARTFORD FIRE & CAS GRP 65 65 14.01 16.49 4.56 72.778 244 CINCINNATI FIN GRP 50 35 6.69 6.75 3.55 76.329 212 ZURICH INS GRP 49 71 1.99 2.32 3.45 79.7710 796 QBE INS GRP 48 47 549.12 550.94 3.39 83.16

**STATE TOTAL** 1,421 1,367 25.68 27.53 100.00 100.00. .

Kansas 1 3548 TRAVELERS GRP 207 193 -14.26 -8.01 16.63 16.632 38 CHUBB & SON INC GRP 158 152 -1.34 -2.01 12.67 29.303 212 ZURICH INS GRP 154 134 35.09 36.76 12.37 41.67




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 91 HARTFORD FIRE & CAS GRP 148 153 8.82 12.80 11.91 53.585 140 NATIONWIDE CORP GRP 132 139 -9.31 0.54 10.62 64.206 4509 IRONSHORE GRP 87 37 50.50 60.12 7.02 71.227 123 SHELTER INS GRP 52 50 5.79 6.44 4.15 75.378 62 EMC INS CO GRP 37 37 0.77 0.79 2.95 78.329 215 UNITRIN GRP 26 26 29.80 29.80 2.07 80.3910 796 QBE INS GRP 25 24 0.85 0.66 1.97 82.37

**STATE TOTAL** 1,245 1,181 16.30 20.20 100.00 100.00. .

Kentucky 1 3548 TRAVELERS GRP 328 356 18.35 19.02 26.95 26.952 38 CHUBB & SON INC GRP 234 259 0.45 0.19 19.20 46.153 212 ZURICH INS GRP 105 102 6.57 7.08 8.58 54.724 140 NATIONWIDE CORP GRP 59 59 17.93 17.86 4.84 59.565 12 AMERICAN INTL GRP 55 62 149.82 154.38 4.55 64.116 291 MOTORISTS MUT GRP 51 48 5.85 5.85 4.22 68.337 218 CNA INS GRP 38 24 21.06 29.26 3.08 71.408 244 CINCINNATI FIN GRP 35 29 -5.38 -3.85 2.84 74.249 228 WESTFIELD GRP 33 32 44.09 40.91 2.69 76.9310 796 QBE INS GRP 32 32 1.54 1.35 2.59 79.52

**STATE TOTAL** 1,219 1,261 18.63 19.14 100.00 100.00. .

Louisiana 1 3548 TRAVELERS GRP 707 678 -1.74 5.20 36.57 36.572 215 UNITRIN GRP 363 364 11.38 11.38 18.81 55.373 212 ZURICH INS GRP 154 132 19.33 18.70 7.96 63.334 38 CHUBB & SON INC GRP 136 141 -0.49 -1.05 7.06 70.405 12 AMERICAN INTL GRP 96 93 -0.71 -1.10 4.99 75.396 91 HARTFORD FIRE & CAS GRP 61 65 6.92 8.56 3.17 78.567 123 SHELTER INS GRP 58 58 31.90 32.07 3.02 81.588 248 UNITED FIRE & CAS GRP 47 49 -12.88 -8.98 2.42 84.019 218 CNA INS GRP 47 51 -269.26 -258.56 2.41 86.4210 225 IAT REINS CO GRP 33 31 -153.56 -126.59 1.69 88.10

**STATE TOTAL** 1,932 1,889 -3.78 -0.26 100.00 100.00. .

Maine 1 3548 TRAVELERS GRP 191 173 -1.92 4.57 30.08 30.082 88 THE HANOVER INS GRP 178 105 -3.80 -3.80 28.09 58.183 12 AMERICAN INTL GRP 50 40 6.39 6.58 7.92 66.104 38 CHUBB & SON INC GRP 45 50 -3.19 -4.24 7.01 73.115 3416 AXIS CAPITAL GRP 44 44 146.81 152.69 6.85 79.966 212 ZURICH INS GRP 43 53 0.93 1.28 6.71 86.687 98 WR BERKLEY CORP GRP 26 25 0.00 0.00 4.16 90.848 91 HARTFORD FIRE & CAS GRP 25 29 9.49 9.55 3.87 94.719 169 SENTRY INS GRP 6 6 0.53 0.58 0.96 95.6610 1129 WHITE MOUNTAINS GRP 5 5 2.81 2.86 0.82 96.48

**STATE TOTAL** 635 562 11.20 13.61 100.00 100.00. .

Maryland 1 3548 TRAVELERS GRP 745 741 5.06 11.26 26.73 26.732 38 CHUBB & SON INC GRP 442 402 -1.13 -1.98 15.86 42.593 212 ZURICH INS GRP 227 247 13.43 13.77 8.13 50.724 91 HARTFORD FIRE & CAS GRP 217 207 227.53 228.71 7.79 58.515 215 UNITRIN GRP 205 206 3.01 3.01 7.37 65.886 12 AMERICAN INTL GRP 164 138 -2.82 -2.93 5.89 71.777 140 NATIONWIDE CORP GRP 142 141 0.32 0.02 5.08 76.858 626 ACE LTD GRP 110 96 7.91 14.27 3.94 80.799 88 THE HANOVER INS GRP 81 56 0.00 0.00 2.91 83.7010 244 CINCINNATI FIN GRP 47 37 0.00 0.00 1.70 85.40

**STATE TOTAL** 2,788 2,713 18.35 20.51 100.00 100.00. .

Massachusetts 1 3548 TRAVELERS GRP 1,135 1,124 -10.19 -4.43 23.89 23.892 212 ZURICH INS GRP 966 591 64.00 64.15 20.32 44.213 38 CHUBB & SON INC GRP 900 925 -1.92 -3.04 18.94 63.154 88 THE HANOVER INS GRP 627 347 0.00 0.00 13.20 76.365 91 HARTFORD FIRE & CAS GRP 331 379 -56.77 -60.35 6.98 83.336 12 AMERICAN INTL GRP 202 300 18.00 18.08 4.24 87.577 253 HARLEYSVILLE GRP 128 134 9.49 9.50 2.70 90.288 626 ACE LTD GRP 120 113 36.72 43.41 2.52 92.79




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 3416 AXIS CAPITAL GRP 74 77 63.40 63.38 1.56 94.3610 218 CNA INS GRP 44 42 92.80 100.33 0.92 95.27

**STATE TOTAL** 4,751 4,376 7.57 8.82 100.00 100.00. .

Michigan 1 3548 TRAVELERS GRP 858 840 -5.15 1.70 18.37 18.372 38 CHUBB & SON INC GRP 795 764 0.25 -0.09 17.03 35.403 88 THE HANOVER INS GRP 700 236 0.66 0.66 14.99 50.394 212 ZURICH INS GRP 500 469 54.18 56.56 10.70 61.095 12 AMERICAN INTL GRP 415 428 19.88 41.76 8.90 69.996 215 UNITRIN GRP 354 357 59.16 59.16 7.57 77.577 91 HARTFORD FIRE & CAS GRP 298 331 4.03 5.04 6.39 83.968 796 QBE INS GRP 128 103 4.00 2.95 2.74 86.709 280 AUTO OWNERS GRP 114 120 19.65 19.69 2.45 89.1510 218 CNA INS GRP 60 52 8.45 21.18 1.28 90.43

**STATE TOTAL** 4,668 4,314 7.13 11.17 100.00 100.00. .

Minnesota 1 38 CHUBB & SON INC GRP 560 589 -1.72 -2.34 18.96 18.962 3548 TRAVELERS GRP 512 508 3.39 50.66 17.35 36.313 12 AMERICAN INTL GRP 379 435 -7.73 -8.50 12.82 49.134 309 WESTERN NATL MUT 216 213 -27.29 -26.60 7.33 56.465 91 HARTFORD FIRE & CAS GRP 187 190 9.58 10.45 6.33 62.786 212 ZURICH INS GRP 169 188 -14.42 -14.40 5.72 68.517 248 UNITED FIRE & CAS GRP 96 103 15.08 15.07 3.25 71.768 1243 WEST BEND MUT GRP 86 49 16.03 16.07 2.92 74.679 140 NATIONWIDE CORP GRP 80 80 27.24 27.23 2.72 77.3910 280 AUTO OWNERS GRP 62 59 34.68 35.25 2.11 79.50

**STATE TOTAL** 2,953 3,106 -3.26 4.62 100.00 100.00. .

Mississippi 1 3548 TRAVELERS GRP 312 266 48.01 56.27 28.13 28.132 212 ZURICH INS GRP 217 239 -1.08 -1.28 19.53 47.653 215 UNITRIN GRP 197 197 28.90 28.90 17.78 65.444 38 CHUBB & SON INC GRP 151 147 0.84 0.51 13.56 79.005 483 SOUTHERN FARM BUREAU CAS GRP 63 63 17.03 16.91 5.66 84.666 140 NATIONWIDE CORP GRP 53 56 4.48 4.53 4.75 89.417 98 WR BERKLEY CORP GRP 48 50 -8.41 -5.85 4.30 93.708 474 FCCI MUT INS GRP 21 21 9.40 9.40 1.87 95.589 123 SHELTER INS GRP 20 18 2.19 2.54 1.81 97.3810 626 ACE LTD GRP 19 19 39.91 46.97 1.74 99.12

**STATE TOTAL** 1,110 1,126 27.50 30.99 100.00 100.00. .

Missouri 1 3548 TRAVELERS GRP 661 686 -14.79 -8.86 20.60 20.602 38 CHUBB & SON INC GRP 654 620 7.22 9.48 20.39 40.993 215 UNITRIN GRP 590 594 27.31 27.31 18.40 59.394 91 HARTFORD FIRE & CAS GRP 323 343 18.82 21.18 10.08 69.475 212 ZURICH INS GRP 239 227 47.09 47.31 7.45 76.926 123 SHELTER INS GRP 170 166 6.52 6.66 5.29 82.217 140 NATIONWIDE CORP GRP 118 123 0.99 1.01 3.69 85.908 248 UNITED FIRE & CAS GRP 74 75 5.30 0.92 2.29 88.199 12 AMERICAN INTL GRP 40 38 -14.82 -15.31 1.23 89.4310 13412 AUSTIN MUT INS CO 31 12 0.00 0.00 0.97 90.40

**STATE TOTAL** 3,208 3,226 13.54 15.51 100.00 100.00. .

Montana 1 3548 TRAVELERS GRP 172 164 -2.68 5.37 51.24 51.242 212 ZURICH INS GRP 33 32 25.00 25.74 9.98 61.233 796 QBE INS GRP 30 30 13.11 21.64 8.99 70.224 12 AMERICAN INTL GRP 20 13 7.96 8.19 5.83 76.055 140 NATIONWIDE CORP GRP 11 12 0.08 0.10 3.18 79.236 38 CHUBB & SON INC GRP 10 11 -0.79 -1.81 3.05 82.287 62 EMC INS CO GRP 10 9 55.56 55.58 3.03 85.318 169 SENTRY INS GRP 8 9 -3.20 -3.17 2.40 87.719 91 HARTFORD FIRE & CAS GRP 8 7 3.63 6.01 2.40 90.1110 2538 AMTRUST FINANCIAL SERV GRP 7 8 0.00 0.00 2.17 92.28

**STATE TOTAL** 335 328 5.98 10.76 100.00 100.00. .

Nebraska 1 3548 TRAVELERS GRP 352 331 -36.87 -33.16 36.53 36.53




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 38 CHUBB & SON INC GRP 134 124 36.10 36.37 13.85 50.373 91 HARTFORD FIRE & CAS GRP 72 76 3.22 3.56 7.43 57.804 140 NATIONWIDE CORP GRP 65 65 373.25 376.64 6.71 64.515 212 ZURICH INS GRP 60 47 5.70 5.58 6.18 70.696 12 AMERICAN INTL GRP 35 40 -6.89 -7.14 3.66 74.357 248 UNITED FIRE & CAS GRP 32 32 339.91 348.06 3.30 77.658 62 EMC INS CO GRP 25 23 1.11 1.12 2.56 80.209 796 QBE INS GRP 22 25 38.28 38.10 2.26 82.4710 218 CNA INS GRP 21 21 -28.80 -12.90 2.19 84.65

**STATE TOTAL** 965 967 35.74 37.96 100.00 100.00. .

Nevada 1 12 AMERICAN INTL GRP 318 269 25.60 26.37 24.31 24.312 3548 TRAVELERS GRP 164 161 17.00 24.47 12.57 36.883 38 CHUBB & SON INC GRP 126 161 -1.33 -2.16 9.68 46.564 212 ZURICH INS GRP 112 90 20.06 20.23 8.54 55.095 225 IAT REINS CO GRP 101 100 145.84 150.32 7.76 62.856 140 NATIONWIDE CORP GRP 92 101 -0.06 -0.02 7.01 69.867 626 ACE LTD GRP 89 89 53.68 60.75 6.78 76.648 91 HARTFORD FIRE & CAS GRP 75 108 140.86 140.87 5.73 82.389 1346 AMERICAN SAFETY HOLDING GRP 50 26 27.01 47.77 3.82 86.1910 218 CNA INS GRP 35 26 1120.13 1129.53 2.69 88.88

**STATE TOTAL** 1,307 1,316 65.13 68.14 100.00 100.00. .

New Hampshire 1 3548 TRAVELERS GRP 126 147 -18.07 -12.37 20.90 20.902 38 CHUBB & SON INC GRP 122 108 -0.29 -0.82 20.22 41.123 88 THE HANOVER INS GRP 104 56 0.00 0.00 17.27 58.394 212 ZURICH INS GRP 71 88 0.59 1.06 11.74 70.135 12 AMERICAN INTL GRP 48 49 -7.14 -7.41 8.02 78.166 91 HARTFORD FIRE & CAS GRP 28 36 8.18 8.18 4.60 82.757 98 WR BERKLEY CORP GRP 19 17 0.00 0.00 3.12 85.878 626 ACE LTD GRP 16 13 60.29 67.55 2.60 88.479 1285 XL AMER GRP 15 10 -0.32 -0.34 2.51 90.9910 84 AMERICAN FINANCIAL GRP 12 10 1.86 2.11 2.04 93.02

**STATE TOTAL** 604 584 -1.43 0.98 100.00 100.00. .

New Jersey 1 38 CHUBB & SON INC GRP 1,404 1,550 -1.03 -2.90 23.87 23.872 3548 TRAVELERS GRP 1,033 1,027 -28.72 -20.93 17.57 41.443 212 ZURICH INS GRP 851 797 22.64 22.72 14.47 55.914 91 HARTFORD FIRE & CAS GRP 539 544 7.59 7.42 9.17 65.085 12 AMERICAN INTL GRP 405 481 -7.73 -7.91 6.89 71.976 54 CUMBERLAND GRP 389 391 5.30 5.73 6.62 78.597 762 FRANKLIN MUT GRP 308 299 0.00 0.00 5.24 83.838 88 THE HANOVER INS GRP 205 112 0.00 0.00 3.48 87.319 626 ACE LTD GRP 178 134 56.48 63.40 3.03 90.3510 242 SELECTIVE INS GRP 100 101 9.54 9.80 1.70 92.05

**STATE TOTAL** 5,880 6,048 0.62 1.74 100.00 100.00. .

New Mexico 1 3548 TRAVELERS GRP 144 131 33.66 38.72 25.78 25.782 212 ZURICH INS GRP 63 67 65.80 66.21 11.35 37.133 91 HARTFORD FIRE & CAS GRP 53 44 2.98 2.30 9.49 46.624 38 CHUBB & SON INC GRP 44 48 -2.89 -4.28 7.83 54.455 12 AMERICAN INTL GRP 44 47 -8.06 -8.25 7.83 62.286 84 AMERICAN FINANCIAL GRP 30 19 45.37 47.04 5.33 67.617 88 THE HANOVER INS GRP 29 10 0.00 0.00 5.16 72.788 140 NATIONWIDE CORP GRP 27 36 165.97 165.98 4.87 77.659 1285 XL AMER GRP 19 18 22.70 34.27 3.42 81.0710 218 CNA INS GRP 17 16 -45.21 -37.70 3.10 84.17

**STATE TOTAL** 557 532 64.43 66.31 100.00 100.00. .

New York 1 38 CHUBB & SON INC GRP 8,240 8,301 1.66 -1.62 44.66 44.662 3548 TRAVELERS GRP 3,224 3,370 -10.63 -4.80 17.47 62.133 12 AMERICAN INTL GRP 2,055 2,185 -3.23 -3.31 11.14 73.274 212 ZURICH INS GRP 1,711 1,424 17.08 17.39 9.27 82.545 91 HARTFORD FIRE & CAS GRP 1,126 1,161 7.28 15.50 6.11 88.656 88 THE HANOVER INS GRP 602 336 0.19 0.20 3.26 91.91




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 626 ACE LTD GRP 282 265 83.82 92.67 1.53 93.448 218 CNA INS GRP 203 171 -55.87 -60.44 1.10 94.549 253 HARLEYSVILLE GRP 158 145 -2.14 -2.03 0.86 95.3910 1285 XL AMER GRP 104 661 -0.48 -0.50 0.56 95.96

**STATE TOTAL** 18,451 19,465 -6.51 -6.33 100.00 100.00. .

North Carolina 1 3548 TRAVELERS GRP 1,272 1,231 -11.36 -9.62 31.80 31.802 38 CHUBB & SON INC GRP 441 423 8.21 7.95 11.01 42.813 212 ZURICH INS GRP 440 499 39.28 40.21 11.00 53.814 111 LIBERTY MUT GRP 227 271 17.12 17.09 5.68 59.495 12 AMERICAN INTL GRP 209 222 -2.82 -2.97 5.22 64.716 91 HARTFORD FIRE & CAS GRP 205 218 -30.17 54.92 5.13 69.847 140 NATIONWIDE CORP GRP 195 215 10.86 10.57 4.88 74.728 311 MAIN STREET AMER GRP 161 169 0.00 0.00 4.01 78.739 4509 IRONSHORE GRP 117 117 60.17 66.86 2.92 81.6610 5 ALFA INS GRP 103 97 0.00 0.00 2.58 84.23

**STATE TOTAL** 4,001 4,080 4.79 10.79 100.00 100.00. .

North Dakota 1 3548 TRAVELERS GRP 39 40 16.31 24.38 18.05 18.052 248 UNITED FIRE & CAS GRP 22 22 89.52 89.56 10.28 28.333 212 ZURICH INS GRP 19 16 -3.29 -3.00 8.68 37.014 244 CINCINNATI FIN GRP 16 13 0.00 0.00 7.57 44.575 796 QBE INS GRP 16 17 10.92 10.60 7.55 52.126 38 CHUBB & SON INC GRP 16 16 0.98 0.78 7.39 59.527 140 NATIONWIDE CORP GRP 14 11 0.52 0.56 6.59 66.118 62 EMC INS CO GRP 12 13 51.77 51.77 5.69 71.809 280 AUTO OWNERS GRP 10 11 0.02 0.01 4.74 76.5410 12 AMERICAN INTL GRP 9 8 -0.29 -0.31 4.38 80.92

**STATE TOTAL** 215 232 18.43 20.52 100.00 100.00. .

Ohio 1 3548 TRAVELERS GRP 1,186 1,134 -6.38 -0.25 15.51 15.512 38 CHUBB & SON INC GRP 1,149 1,257 0.98 0.30 15.02 30.533 963 OHIO MUT GRP 999 1,050 47.62 48.73 13.06 43.604 12 AMERICAN INTL GRP 810 857 -0.98 -0.91 10.60 54.205 306 CUNA MUT GRP 736 825 27.85 28.08 9.63 63.826 212 ZURICH INS GRP 378 389 56.66 57.19 4.94 68.777 215 UNITRIN GRP 354 357 49.82 49.82 4.63 73.408 140 NATIONWIDE CORP GRP 299 320 0.78 0.40 3.91 77.319 91 HARTFORD FIRE & CAS GRP 298 299 19.59 24.45 3.90 81.2110 244 CINCINNATI FIN GRP 229 191 9.22 9.23 3.00 84.21

**STATE TOTAL** 7,646 7,921 13.40 15.01 100.00 100.00. .

Oklahoma 1 38 CHUBB & SON INC GRP 362 380 -5.11 -7.17 23.41 23.412 3548 TRAVELERS GRP 328 311 -16.54 -11.05 21.23 44.643 123 SHELTER INS GRP 242 243 86.66 87.48 15.69 60.334 215 UNITRIN GRP 131 131 27.31 27.31 8.45 68.785 212 ZURICH INS GRP 109 109 42.19 42.73 7.08 75.856 84 AMERICAN FINANCIAL GRP 72 60 8.32 9.99 4.64 80.497 91 HARTFORD FIRE & CAS GRP 66 68 30.20 22.09 4.29 84.778 140 NATIONWIDE CORP GRP 59 58 15.16 15.10 3.85 88.629 796 QBE INS GRP 37 51 -578.40 -593.09 2.39 91.0110 12 AMERICAN INTL GRP 21 28 -5.17 -4.96 1.35 92.35

**STATE TOTAL** 1,545 1,583 -0.94 -0.61 100.00 100.00. .

Oregon 1 3548 TRAVELERS GRP 430 433 -11.73 -5.23 25.34 25.342 12 AMERICAN INTL GRP 279 319 -1.96 -2.40 16.44 41.783 38 CHUBB & SON INC GRP 253 273 -0.86 -1.40 14.89 56.674 212 ZURICH INS GRP 149 161 17.84 18.19 8.76 65.435 1346 AMERICAN SAFETY HOLDING GRP 109 70 27.01 47.78 6.42 71.856 91 HARTFORD FIRE & CAS GRP 99 102 4.75 6.42 5.81 77.667 291 MOTORISTS MUT GRP 85 95 75.25 75.24 4.99 82.658 140 NATIONWIDE CORP GRP 54 52 211.49 211.50 3.16 85.819 4509 IRONSHORE GRP 34 6 51.20 56.88 2.02 87.8310 84 AMERICAN FINANCIAL GRP 23 22 8.48 9.99 1.38 89.20

**STATE TOTAL** 1,698 1,751 19.44 22.04 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Pennsylvania 1 3548 TRAVELERS GRP 1,620 1,547 36.99 43.69 29.47 29.47

2 38 CHUBB & SON INC GRP 1,095 1,128 -1.14 -1.86 19.92 49.393 212 ZURICH INS GRP 643 559 6.06 6.55 11.70 61.094 17337 HANOVER FIRE & CAS INS CO 421 423 6.29 6.29 7.65 68.755 91 HARTFORD FIRE & CAS GRP 305 378 6.21 5.93 5.56 74.306 88 THE HANOVER INS GRP 272 170 681.05 681.05 4.96 79.267 140 NATIONWIDE CORP GRP 268 281 57.21 56.87 4.88 84.148 215 UNITRIN GRP 221 222 4.31 4.31 4.02 88.169 253 HARLEYSVILLE GRP 165 168 1.68 1.79 3.00 91.1610 626 ACE LTD GRP 143 112 49.18 59.83 2.60 93.77

**STATE TOTAL** 5,498 5,441 33.75 37.91 100.00 100.00. .

Rhode Island 1 3548 TRAVELERS GRP 176 162 -9.16 -4.11 28.89 28.892 38 CHUBB & SON INC GRP 124 127 -3.98 -162.98 20.34 49.233 12 AMERICAN INTL GRP 55 52 -1.96 -2.02 9.08 58.314 212 ZURICH INS GRP 53 50 6.22 6.48 8.68 66.995 91 HARTFORD FIRE & CAS GRP 50 61 4.47 2.47 8.19 75.186 253 HARLEYSVILLE GRP 35 40 63.08 63.21 5.83 81.017 88 THE HANOVER INS GRP 28 18 0.00 0.00 4.56 85.568 84 AMERICAN FINANCIAL GRP 12 13 0.10 0.06 1.92 87.499 218 CNA INS GRP 11 4 -50.67 -50.67 1.84 89.3310 783 RLI INS GRP 11 12 57.55 59.51 1.83 91.16

**STATE TOTAL** 609 592 5.17 -27.66 100.00 100.00. .

South Carolina 1 3548 TRAVELERS GRP 403 393 45.50 52.04 27.47 27.472 215 UNITRIN GRP 231 226 14.01 14.01 15.75 43.223 38 CHUBB & SON INC GRP 151 158 -1.04 -1.73 10.26 53.484 212 ZURICH INS GRP 134 139 9.64 10.20 9.11 62.585 91 HARTFORD FIRE & CAS GRP 124 127 7.38 8.63 8.44 71.036 280 AUTO OWNERS GRP 66 58 5.60 5.56 4.49 75.527 140 NATIONWIDE CORP GRP 39 38 13.76 13.68 2.64 78.168 796 QBE INS GRP 31 34 47.10 49.67 2.14 80.309 88 THE HANOVER INS GRP 30 15 329.40 329.40 2.04 82.3410 12 AMERICAN INTL GRP 29 39 -3.83 -3.92 1.98 84.32

**STATE TOTAL** 1,468 1,469 29.97 32.34 100.00 100.00. .

South Dakota 1 3548 TRAVELERS GRP 125 121 -3.57 3.59 33.39 33.392 248 UNITED FIRE & CAS GRP 38 34 10.21 10.30 10.09 43.483 140 NATIONWIDE CORP GRP 29 30 168.70 168.61 7.76 51.244 796 QBE INS GRP 27 30 -14.29 -15.27 7.13 58.375 218 CNA INS GRP 20 4 0.00 0.00 5.39 63.766 212 ZURICH INS GRP 17 12 2.12 2.88 4.52 68.277 12 AMERICAN INTL GRP 16 14 6.65 6.86 4.26 72.538 38 CHUBB & SON INC GRP 14 14 -0.20 -0.47 3.64 76.179 14184 ACUITY A MUT INS CO 13 9 0.00 0.00 3.37 79.5410 91 HARTFORD FIRE & CAS GRP 11 18 12.72 15.33 3.04 82.59

**STATE TOTAL** 373 355 21.48 23.98 100.00 100.00. .

Tennessee 1 12 AMERICAN INTL GRP 1,050 1,032 -4.24 -5.04 30.07 30.072 3548 TRAVELERS GRP 868 879 -2.12 3.36 24.87 54.943 38 CHUBB & SON INC GRP 447 455 474.06 473.59 12.82 67.764 212 ZURICH INS GRP 206 238 19.39 19.65 5.89 73.655 91 HARTFORD FIRE & CAS GRP 182 178 9.89 14.42 5.23 78.876 140 NATIONWIDE CORP GRP 92 107 39.89 39.79 2.64 81.517 5 ALFA INS GRP 64 54 0.00 0.00 1.85 83.368 88 THE HANOVER INS GRP 64 30 0.00 0.00 1.82 85.189 244 CINCINNATI FIN GRP 47 40 6.21 6.21 1.35 86.5310 218 CNA INS GRP 39 37 3.06 4.37 1.11 87.64

**STATE TOTAL** 3,491 3,520 66.21 67.74 100.00 100.00. .

Texas 1 215 UNITRIN GRP 4,274 4,293 27.21 27.21 44.17 44.172 3548 TRAVELERS GRP 2,485 2,403 -1.96 2.25 25.68 69.863 38 CHUBB & SON INC GRP 1,618 1,666 4.88 4.29 16.72 86.58

**STATE TOTAL** 9,675 10,448 70.72 73.27 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Utah 1 3548 TRAVELERS GRP 240 258 -6.42 -0.18 34.57 34.57

2 38 CHUBB & SON INC GRP 73 79 -0.70 -1.43 10.44 45.013 212 ZURICH INS GRP 50 54 3.85 3.85 7.20 52.204 626 ACE LTD GRP 49 39 46.17 52.86 7.06 59.265 91 HARTFORD FIRE & CAS GRP 43 46 7.98 9.23 6.16 65.436 12 AMERICAN INTL GRP 35 41 0.05 0.01 4.98 70.417 140 NATIONWIDE CORP GRP 28 30 15.14 15.12 4.10 74.518 244 CINCINNATI FIN GRP 22 12 -25.07 -25.07 3.19 77.699 4509 IRONSHORE GRP 21 13 54.37 60.42 3.05 80.7510 796 QBE INS GRP 19 19 0.12 -0.10 2.74 83.49

**STATE TOTAL** 695 729 3.97 6.79 100.00 100.00. .

Vermont 1 10541 AGRINATIONAL INS CO 108 27 0.00 0.00 28.27 28.272 3548 TRAVELERS GRP 95 92 -8.83 -0.30 24.83 53.103 38 CHUBB & SON INC GRP 35 34 -2.89 -4.14 9.20 62.304 244 CINCINNATI FIN GRP 24 22 0.00 0.00 6.24 68.535 88 THE HANOVER INS GRP 23 12 0.00 0.00 5.94 74.476 98 WR BERKLEY CORP GRP 19 19 0.00 0.00 5.09 79.567 212 ZURICH INS GRP 18 23 43.98 44.40 4.81 84.378 91 HARTFORD FIRE & CAS GRP 17 18 2.28 4.01 4.46 88.839 140 NATIONWIDE CORP GRP 8 10 3.31 3.33 2.18 91.0110 3416 AXIS CAPITAL GRP 7 7 799.41 800.35 1.72 92.73

**STATE TOTAL** 383 303 21.25 23.86 100.00 100.00. .

Virginia 1 3548 TRAVELERS GRP 2,095 2,057 29.67 41.69 38.38 38.382 12 AMERICAN INTL GRP 952 1,040 -4.61 -5.21 17.44 55.823 38 CHUBB & SON INC GRP 565 608 0.31 -0.02 10.35 66.184 5 ALFA INS GRP 440 435 0.00 0.00 8.06 74.245 140 NATIONWIDE CORP GRP 344 352 -3.35 -1.47 6.31 80.546 212 ZURICH INS GRP 204 189 12.15 12.27 3.74 84.297 88 THE HANOVER INS GRP 171 115 0.00 0.00 3.14 87.428 91 HARTFORD FIRE & CAS GRP 162 186 5.10 3.94 2.97 90.409 253 HARLEYSVILLE GRP 85 94 28.69 28.82 1.56 91.9610 626 ACE LTD GRP 71 31 45.52 52.34 1.30 93.26

**STATE TOTAL** 5,460 5,544 12.83 17.35 100.00 100.00. .

Washington 1 3548 TRAVELERS GRP 682 696 -2.24 6.24 23.00 23.002 38 CHUBB & SON INC GRP 585 538 -0.54 -1.06 19.72 42.713 12 AMERICAN INTL GRP 560 371 -1.70 -1.68 18.88 61.594 212 ZURICH INS GRP 342 421 15.22 15.57 11.54 73.145 91 HARTFORD FIRE & CAS GRP 161 153 12.30 15.25 5.43 78.566 1346 AMERICAN SAFETY HOLDING GRP 122 76 27.01 47.78 4.13 82.697 140 NATIONWIDE CORP GRP 89 100 1.82 1.91 2.99 85.688 1285 XL AMER GRP 56 50 69.03 97.79 1.87 87.559 84 AMERICAN FINANCIAL GRP 53 42 10.24 11.60 1.78 89.3310 225 IAT REINS CO GRP 36 40 285.23 422.94 1.21 90.54

**STATE TOTAL** 2,965 2,881 8.75 13.84 100.00 100.00. .

West Virginia 1 3548 TRAVELERS GRP 156 142 27.46 34.15 33.56 33.562 212 ZURICH INS GRP 55 28 -4.43 -4.43 11.91 45.473 140 NATIONWIDE CORP GRP 53 58 16.39 16.22 11.42 56.894 228 WESTFIELD GRP 40 40 14.13 10.70 8.57 65.465 38 CHUBB & SON INC GRP 32 33 -1.96 -2.50 6.90 72.356 175 STATE AUTO MUT GRP 28 31 -33.25 -33.19 6.08 78.447 244 CINCINNATI FIN GRP 25 21 16.95 16.95 5.41 83.858 291 MOTORISTS MUT GRP 16 15 39.81 39.81 3.43 87.289 169 SENTRY INS GRP 12 12 0.60 0.65 2.57 89.8410 91 HARTFORD FIRE & CAS GRP 10 10 8.87 8.56 2.21 92.06

**STATE TOTAL** 464 429 13.42 15.21 100.00 100.00. .

Wisconsin 1 3548 TRAVELERS GRP 585 636 -14.83 -9.78 22.87 22.872 38 CHUBB & SON INC GRP 515 478 -0.02 -0.38 20.12 42.993 1243 WEST BEND MUT GRP 249 130 -7.78 -7.07 9.72 52.714 88 THE HANOVER INS GRP 212 101 0.00 0.00 8.30 61.01




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 91 HARTFORD FIRE & CAS GRP 141 133 13.35 88.14 5.50 66.506 212 ZURICH INS GRP 116 133 31.75 32.06 4.53 71.037 12 AMERICAN INTL GRP 97 99 -1.93 -2.10 3.78 74.828 796 QBE INS GRP 85 89 27.77 27.58 3.34 78.159 14184 ACUITY A MUT INS CO 61 60 -3.18 -3.90 2.38 80.5410 248 UNITED FIRE & CAS GRP 54 57 5.42 5.48 2.12 82.66

**STATE TOTAL** 2,558 2,450 1.85 7.16 100.00 100.00. .

Wyoming 1 3548 TRAVELERS GRP 104 100 0.53 8.59 55.89 55.892 212 ZURICH INS GRP 14 15 1.61 2.16 7.44 63.333 12 AMERICAN INTL GRP 14 7 6.50 6.80 7.28 70.614 140 NATIONWIDE CORP GRP 11 10 -0.14 -0.09 5.97 76.585 796 QBE INS GRP 10 9 -561.78 -575.86 5.18 81.766 38 CHUBB & SON INC GRP 9 8 -0.08 -0.36 4.70 86.477 169 SENTRY INS GRP 3 3 0.58 0.64 1.78 88.258 11118 FEDERATED RURAL ELECTRIC INS EXCH 3 3 0.00 0.00 1.36 89.619 88 THE HANOVER INS GRP 2 0 0.00 0.00 1.25 90.8610 44776 TORUS SPECIALTY INS CO 2 0 30.13 30.13 1.11 91.97

**STATE TOTAL** 187 176 -28.58 -24.87 100.00 100.00. .

Guam 1 13597 CHUNG KUO INS CO LTD 98 91 21.18 26.16 46.55 46.552 4672 DONGBU INS GRP 58 58 47.27 59.48 27.66 74.213 18380 PACIFIC IND INS CO 25 24 143.35 118.45 12.04 86.244 10972 FIRST NET INS CO 17 18 81.10 108.07 8.18 94.425 12633 CENTURY INS CO GU LTD 11 14 3.50 3.50 5.22 99.64

**STATE TOTAL** 211 205 45.56 50.55 100.00 100.00. .

Puerto Rico 1 71 UNIVERSAL INS CO GRP 1,812 1,793 0.00 0.00 59.53 59.532 212 ZURICH INS GRP 1,009 849 57.62 57.66 33.16 92.693 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 47 50 1.28 1.28 1.53 94.224 343 NATIONAL INS CO GRP 39 45 95.04 93.89 1.27 95.505 626 ACE LTD GRP 31 33 -91.27 -76.05 1.01 96.506 3548 TRAVELERS GRP 27 29 -5.94 -6.32 0.87 97.387 26778 INTEGRAND ASSUR CO 18 13 47.42 47.42 0.60 97.988 12 AMERICAN INTL GRP 17 20 6.71 111.62 0.56 98.539 40568 TRIPLE S PROPIEDAD INC 14 9 0.00 -47.47 0.47 99.0110 218 CNA INS GRP 12 10 30.22 30.22 0.41 99.42

**STATE TOTAL** 3,044 2,864 17.89 18.38 100.00 100.00. .

U.S. Virgin Islands 1 17779 GUARDIAN INS CO INC 534 479 0.00 0.00 99.63 99.632 212 ZURICH INS GRP 1 1 -0.11 -0.11 0.19 99.82

**STATE TOTAL** 536 481 0.38 0.38 100.00 100.00. .

N. Mariana Islands 1 4672 DONGBU INS GRP 5 5 -0.27 -0.37 63.96 63.962 10972 FIRST NET INS CO 2 2 105.79 153.90 21.57 85.53

**STATE TOTAL** 7 8 23.57 34.31 100.00 100.00. .

Canada 1 3548 TRAVELERS GRP 247 256 46.46 48.58 75.57 75.572 111 LIBERTY MUT GRP 56 54 55.82 69.83 17.16 92.733 91 HARTFORD FIRE & CAS GRP 11 7 -119.45 -109.92 3.29 96.014 176 STATE FARM GRP 8 8 0.00 0.00 2.58 98.595 38 CHUBB & SON INC GRP 3 3 -4.85 -5.51 0.86 99.456 44776 TORUS SPECIALTY INS CO 1 0 29.86 29.86 0.44 99.89

**STATE TOTAL** 327 332 40.66 44.78 100.00 100.00. .

Aggregate Other Alien 1 38 CHUBB & SON INC GRP 671 685 -7.65 -7.88 47.95 47.952 3548 TRAVELERS GRP 405 392 37.59 41.30 28.96 76.913 626 ACE LTD GRP 176 147 27.11 30.39 12.55 89.46

**STATE TOTAL** 1,399 1,941 16.72 18.29 100.00 100.00. .




27— Boiler and Machinery



States, U.S. Territories, Canada, and Aggregate Other Alien27-Boiler and Machinery



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 65 FM GLOBAL GRP 370,111 363,611 56.44 56.96 26.96 26.962 12 AMERICAN INTL GRP 254,179 248,839 12.42 13.42 18.51 45.473 3548 TRAVELERS GRP 121,884 124,074 32.19 31.78 8.88 54.354 38 CHUBB & SON INC GRP 102,800 103,114 11.42 10.98 7.49 61.845 212 ZURICH INS GRP 94,902 97,310 18.48 19.80 6.91 68.756 361 MUNICH RE GRP 69,668 73,477 24.26 26.95 5.07 73.827 218 CNA INS GRP 63,201 65,947 66.03 72.35 4.60 78.438 761 ALLIANZ INS GRP 29,295 27,655 -2.78 -4.32 2.13 80.569 140 NATIONWIDE CORP GRP 27,631 27,792 46.54 46.58 2.01 82.5710 62 EMC INS CO GRP 22,162 21,002 12.70 12.70 1.61 84.1911 181 SWISS RE GRP 17,510 14,869 -41.97 -44.77 1.28 85.4612 242 SELECTIVE INS GRP 17,450 16,690 24.87 24.96 1.27 86.7313 244 CINCINNATI FIN GRP 14,026 14,182 26.90 27.10 1.02 87.7514 1285 XL AMER GRP 12,242 15,458 0.83 1.21 0.89 88.6515 98 WR BERKLEY CORP GRP 8,229 7,544 13.59 13.90 0.60 89.2416 84 AMERICAN FINANCIAL GRP 8,057 7,916 10.13 10.14 0.59 89.8317 7 FEDERATED MUT GRP 7,736 8,138 24.06 24.06 0.56 90.3918 13528 BROTHERHOOD MUT INS CO 7,422 7,078 18.79 18.79 0.54 90.9419 14974 PENNSYLVANIA LUMBERMENS MUT INS 7,146 6,312 13.07 13.07 0.52 91.4620 3098 TOKIO MARINE HOLDINGS INC GRP 5,586 6,276 7.61 7.65 0.41 91.8621 36 CENTRAL MUT INS CO GRP 5,115 6,054 13.78 13.78 0.37 92.2422 111 LIBERTY MUT GRP 5,046 5,024 5.27 4.03 0.37 92.6023 626 ACE LTD GRP 4,706 4,708 -10.99 -11.21 0.34 92.9524 3416 AXIS CAPITAL GRP 4,610 2,948 22.81 22.72 0.34 93.2825 91 HARTFORD FIRE & CAS GRP 4,577 4,732 34.50 35.96 0.33 93.6126 802 CAPITAL INS GRP 4,288 4,159 7.26 7.49 0.31 93.9327 1309 FRANKENMUTH GRP 4,166 4,031 38.31 39.09 0.30 94.2328 14184 ACUITY A MUT INS CO 3,981 3,942 24.80 24.80 0.29 94.5229 228 WESTFIELD GRP 3,823 3,680 25.81 25.85 0.28 94.8030 291 MOTORISTS MUT GRP 3,677 3,484 20.71 20.71 0.27 95.0731 67 MICHIGAN FARM BUREAU GRP 3,485 2,636 30.39 30.39 0.25 95.3232 1243 WEST BEND MUT GRP 3,397 3,178 38.18 38.18 0.25 95.5733 23108 LUMBERMENS UNDERWRITING ALLIANCE 3,216 3,666 5.58 5.58 0.23 95.8034 175 STATE AUTO MUT GRP 3,140 2,787 71.15 71.21 0.23 96.0335 248 UNITED FIRE & CAS GRP 2,987 2,934 53.32 54.09 0.22 96.2536 88 THE HANOVER INS GRP 2,863 2,641 12.44 12.63 0.21 96.4637 796 QBE INS GRP 2,705 2,658 3.31 3.34 0.20 96.6538 1129 WHITE MOUNTAINS GRP 2,703 2,914 15.80 16.02 0.20 96.8539 54 CUMBERLAND GRP 2,687 2,494 8.38 8.62 0.20 97.0540 96 SECURA INS GRP 2,665 2,529 35.75 35.78 0.19 97.2441 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 2,175 2,008 3.68 4.11 0.16 97.4042 474 FCCI MUT INS GRP 1,826 1,567 16.16 15.95 0.13 97.5343 125 PENN MILLER GRP 1,734 1,717 53.89 54.40 0.13 97.6644 645 OREGON MUT GRP 1,690 1,651 12.89 12.89 0.12 97.7845 34843 NEW YORK SCHOOLS INS RECIP 1,629 1,566 42.77 42.77 0.12 97.9046 22624 INDIANA FARMERS MUT INS CO 1,606 1,597 26.36 26.52 0.12 98.0247 37540 BEAZLEY INS CO INC 1,546 1,329 10.16 12.94 0.11 98.1348 309 WESTERN NATL MUT 1,453 1,459 51.37 52.60 0.11 98.2449 984 HCC INS HOLDINGS GRP 1,389 1,110 -47.13 -46.97 0.10 98.3450 333 MUTUAL OF ENUMCLAW GRP 1,384 1,371 9.51 9.51 0.10 98.4451 3219 SOMPO JAPAN INS GRP 1,275 1,345 -35.84 -35.84 0.09 98.5352 13501 BRETHREN MUT INS CO 1,237 1,105 11.50 11.50 0.09 98.6253 8 ALLSTATE INS GRP 1,167 1,254 8.36 8.36 0.08 98.7154 4675 MUTUAL INSURERS HOLDING GRP 963 957 7.48 7.48 0.07 98.7855 23574 MIDWEST FAMILY MUT INS CO 935 905 15.80 15.80 0.07 98.8456 349 FLORISTS MUT GRP 854 867 34.35 34.35 0.06 98.9157 250 DONEGAL GRP 821 808 24.22 24.41 0.06 98.9758 28535 TRIANGLE INS CO INC 718 774 42.45 42.45 0.05 99.0259 16446 FARMERS INS CO OF FLEMINGTON 710 717 8.27 9.35 0.05 99.0760 18538 BANCINSURE INC 683 659 0.00 0.00 0.05 99.1261 13994 FREMONT INS CO 673 648 12.78 12.84 0.05 99.1762 38733 ALASKA NATL INS CO 664 683 1.86 1.84 0.05 99.2263 20690 NEW YORK MUNICIPAL INS RECIP 657 643 9.90 9.90 0.05 99.2764 517 HANNOVER GRP 581 574 43.90 58.74 0.04 99.3165 44776 TORUS SPECIALTY INS CO 580 140 474.92 474.91 0.04 99.35




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


66 4381 LIGHTYEAR DELOS GRP 578 594 59.33 76.90 0.04 99.3967 411 MAPFRE INS GRP 515 632 11.78 11.41 0.04 99.4368 2538 AMTRUST FINANCIAL SERV GRP 418 420 14.88 14.88 0.03 99.4669 1114 MERCER INS GRP 418 400 7.04 7.53 0.03 99.4970 13854 FARMERS MUT FIRE INS CO OF SALEM CN 408 425 4.33 3.72 0.03 99.5271 785 MARKEL CORP GRP 348 326 -3.82 -3.61 0.03 99.5572 343 NATIONAL INS CO GRP 324 311 -2.53 -5.17 0.02 99.5773 16411 COOPERATIVE MUT INS CO 306 307 7.48 7.48 0.02 99.5974 783 RLI INS GRP 304 373 113.50 116.67 0.02 99.6175 207 WESTERN RESERVE 303 274 64.25 64.25 0.02 99.6476 15113 SECURITY MUT INS CO 299 299 4.83 4.83 0.02 99.6677 225 IAT REINS CO GRP 294 274 12.58 12.73 0.02 99.6878 26818 MIDSTATE MUT INS CO 286 286 13.49 13.49 0.02 99.7079 37052 REGIS INS CO 276 252 20.37 20.37 0.02 99.7280 14753 FREDERICK MUT INS CO 274 272 2.76 2.76 0.02 99.7481 16926 ARECA INS EXCH 271 270 11.59 11.59 0.02 99.7682 1346 AMERICAN SAFETY HOLDING GRP 223 135 24.28 42.95 0.02 99.7883 14370 LEBANON MUT INS CO 210 198 14.39 14.90 0.02 99.7984 43842 FINGER LAKES FIRE & CAS INS CO 207 207 9.97 9.97 0.02 99.8185 4509 IRONSHORE GRP 191 21 16.75 18.61 0.01 99.8286 3703 TOWER GRP 189 133 19.76 19.76 0.01 99.8387 31 BERKSHIRE HATHAWAY GRP 188 166 -1.80 -1.35 0.01 99.8588 13580 ARISE BOILER INSPECTION & INS CO RRG 187 45 0.00 0.00 0.01 99.8689 26760 FULMONT MUT INS CO 125 110 14.89 14.89 0.01 99.8790 10372 CHAUTAUQUA PATRONS INS ASSOC 106 109 2.98 2.98 0.01 99.8891 40568 TRIPLE S PROPIEDAD INC 101 102 0.96 0.96 0.01 99.8892 4672 DONGBU INS GRP 95 562 -16.66 -18.01 0.01 99.8993 15210 STERLING INS CO 94 79 9.23 9.66 0.01 99.90

**INDUSTRY TOTAL** 1,372,956 1,365,742 30.07 30.83 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 65 FM GLOBAL GRP 8,714 9,829 -1.33 -2.34 36.72 36.722 12 AMERICAN INTL GRP 5,183 5,015 13.92 12.43 21.84 58.563 3548 TRAVELERS GRP 2,606 2,636 21.32 22.07 10.98 69.544 212 ZURICH INS GRP 1,305 1,348 -0.71 -0.81 5.50 75.045 361 MUNICH RE GRP 1,043 1,114 17.95 20.33 4.39 79.436 218 CNA INS GRP 878 939 69.08 77.14 3.70 83.137 38 CHUBB & SON INC GRP 836 924 -2.58 -2.90 3.52 86.658 84 AMERICAN FINANCIAL GRP 452 441 -69.32 -69.32 1.90 88.569 244 CINCINNATI FIN GRP 341 334 25.42 26.16 1.44 90.0010 7 FEDERATED MUT GRP 317 337 17.69 17.69 1.34 91.33

**STATE TOTAL** 23,732 24,989 5.59 5.16 100.00 100.00. .

Alaska 1 65 FM GLOBAL GRP 1,615 1,495 19.14 19.78 28.80 28.802 361 MUNICH RE GRP 912 920 31.58 34.58 16.25 45.063 38 CHUBB & SON INC GRP 712 691 15.14 14.53 12.69 57.744 38733 ALASKA NATL INS CO 584 597 1.68 1.66 10.41 68.155 12 AMERICAN INTL GRP 480 394 4.33 4.72 8.56 76.716 212 ZURICH INS GRP 388 446 -23.86 -24.04 6.92 83.627 16926 ARECA INS EXCH 271 270 11.59 11.59 4.83 88.468 218 CNA INS GRP 203 199 -35.41 -28.18 3.62 92.089 3548 TRAVELERS GRP 149 128 75.17 80.93 2.66 94.7410 84 AMERICAN FINANCIAL GRP 69 69 0.00 0.00 1.24 95.98

**STATE TOTAL** 5,609 5,526 11.71 12.70 100.00 100.00. .

Arizona 1 65 FM GLOBAL GRP 6,179 4,851 -28.72 -28.73 34.44 34.442 12 AMERICAN INTL GRP 2,215 2,318 13.65 13.84 12.34 46.783 212 ZURICH INS GRP 1,968 2,196 8.09 8.51 10.97 57.754 3548 TRAVELERS GRP 1,548 1,536 -4.16 -6.73 8.63 66.385 38 CHUBB & SON INC GRP 1,140 1,177 1.17 0.48 6.35 72.736 218 CNA INS GRP 1,001 1,050 77.18 84.29 5.58 78.317 361 MUNICH RE GRP 611 623 -62.72 -66.22 3.40 81.718 181 SWISS RE GRP 413 314 -56.26 -57.31 2.30 84.019 761 ALLIANZ INS GRP 374 406 3.20 1.59 2.09 86.1010 140 NATIONWIDE CORP GRP 354 354 34.33 34.98 1.97 88.07

**STATE TOTAL** 17,943 17,183 -1.75 -1.69 100.00 100.00. .

Arkansas 1 65 FM GLOBAL GRP 4,682 4,352 110.70 111.88 35.75 35.752 12 AMERICAN INTL GRP 1,707 2,262 6.03 6.49 13.03 48.783 3548 TRAVELERS GRP 1,320 1,525 13.01 13.18 10.08 58.864 218 CNA INS GRP 976 1,010 185.96 202.26 7.45 66.315 361 MUNICH RE GRP 955 896 13.61 10.71 7.29 73.616 212 ZURICH INS GRP 572 634 15.61 16.24 4.36 77.977 62 EMC INS CO GRP 526 485 25.58 25.58 4.02 81.998 38 CHUBB & SON INC GRP 472 420 8.68 8.46 3.61 85.599 13528 BROTHERHOOD MUT INS CO 294 282 8.14 8.14 2.24 87.8310 14974 PENNSYLVANIA LUMBERMENS MUT INS 224 144 0.00 0.00 1.71 89.54

**STATE TOTAL** 13,099 13,403 55.47 57.01 100.00 100.00. .

California 1 12 AMERICAN INTL GRP 25,789 25,142 26.76 28.47 21.57 21.572 65 FM GLOBAL GRP 19,086 18,840 41.01 41.96 15.96 37.533 38 CHUBB & SON INC GRP 15,397 15,761 14.24 13.83 12.88 50.404 212 ZURICH INS GRP 14,001 13,122 59.04 60.78 11.71 62.115 3548 TRAVELERS GRP 12,167 12,274 11.67 10.54 10.17 72.286 218 CNA INS GRP 6,024 6,544 86.05 96.96 5.04 77.327 361 MUNICH RE GRP 5,752 6,044 20.77 23.52 4.81 82.138 140 NATIONWIDE CORP GRP 4,927 4,726 69.53 69.24 4.12 86.259 802 CAPITAL INS GRP 3,845 3,774 7.62 7.84 3.22 89.4710 761 ALLIANZ INS GRP 2,500 2,220 -0.36 -2.22 2.09 91.56

**STATE TOTAL** 119,584 118,949 29.73 30.96 100.00 100.00. .

Colorado 1 12 AMERICAN INTL GRP 5,060 4,857 -18.99 -20.45 26.90 26.902 65 FM GLOBAL GRP 2,837 2,878 66.37 66.52 15.08 41.993 212 ZURICH INS GRP 2,057 1,960 16.87 17.12 10.94 52.924 3548 TRAVELERS GRP 2,002 2,061 5.69 4.04 10.64 63.575 38 CHUBB & SON INC GRP 1,340 1,350 -2.31 -2.66 7.12 70.69




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


6 361 MUNICH RE GRP 1,090 1,145 23.18 25.29 5.79 76.487 218 CNA INS GRP 642 676 43.08 48.63 3.41 79.898 140 NATIONWIDE CORP GRP 525 522 61.92 62.35 2.79 82.699 62 EMC INS CO GRP 399 399 0.61 0.61 2.12 84.8110 761 ALLIANZ INS GRP 374 342 10.65 9.88 1.99 86.80

**STATE TOTAL** 18,810 18,538 12.91 12.68 100.00 100.00. .

Connecticut 1 65 FM GLOBAL GRP 3,474 3,272 12.94 13.29 22.44 22.442 12 AMERICAN INTL GRP 2,817 2,467 46.29 46.64 18.20 40.643 38 CHUBB & SON INC GRP 2,404 2,369 8.21 7.68 15.53 56.184 3548 TRAVELERS GRP 1,020 989 6.15 3.78 6.59 62.775 212 ZURICH INS GRP 944 1,087 7.09 7.16 6.10 68.876 361 MUNICH RE GRP 921 1,065 22.85 25.66 5.95 74.827 218 CNA INS GRP 773 1,477 70.78 80.22 5.00 79.828 796 QBE INS GRP 491 478 9.06 9.05 3.17 82.999 761 ALLIANZ INS GRP 333 317 21.30 5.53 2.15 85.1410 3416 AXIS CAPITAL GRP 299 142 8.33 8.42 1.93 87.07

**STATE TOTAL** 15,477 15,540 25.78 26.53 100.00 100.00. .

Delaware 1 65 FM GLOBAL GRP 441 443 0.00 0.00 13.26 13.262 212 ZURICH INS GRP 396 394 -7.02 -6.56 11.90 25.163 38 CHUBB & SON INC GRP 393 278 3.84 3.69 11.81 36.974 3548 TRAVELERS GRP 310 311 19.30 18.32 9.34 46.315 12 AMERICAN INTL GRP 310 310 -1.14 -1.16 9.33 55.646 1285 XL AMER GRP 231 201 -1.71 -1.80 6.95 62.597 218 CNA INS GRP 222 263 60.55 65.92 6.68 69.278 361 MUNICH RE GRP 181 187 24.18 26.14 5.45 74.729 242 SELECTIVE INS GRP 173 179 1.48 1.48 5.20 79.9210 140 NATIONWIDE CORP GRP 151 155 1.77 1.44 4.55 84.47

**STATE TOTAL** 3,325 3,172 9.40 9.90 100.00 100.00. .

District of Columbia 1 38 CHUBB & SON INC GRP 972 994 5.36 4.69 23.22 23.222 12 AMERICAN INTL GRP 795 745 22.87 24.42 18.99 42.223 65 FM GLOBAL GRP 711 717 30.10 29.36 16.98 59.204 3548 TRAVELERS GRP 708 649 24.66 24.64 16.92 76.125 361 MUNICH RE GRP 201 218 8.10 8.54 4.80 80.916 212 ZURICH INS GRP 179 209 -6.81 -6.25 4.27 85.187 218 CNA INS GRP 163 156 16.89 23.78 3.90 89.088 140 NATIONWIDE CORP GRP 80 78 -2.17 -2.55 1.91 90.999 84 AMERICAN FINANCIAL GRP 65 50 0.00 0.00 1.56 92.5510 761 ALLIANZ INS GRP 57 54 -1.98 -2.54 1.36 93.91

**STATE TOTAL** 4,185 4,147 16.52 16.88 100.00 100.00. .

Florida 1 12 AMERICAN INTL GRP 14,906 14,876 -40.92 -41.72 22.82 22.822 65 FM GLOBAL GRP 14,757 14,040 -36.56 -39.18 22.60 45.423 361 MUNICH RE GRP 8,602 8,324 66.79 75.87 13.17 58.594 3548 TRAVELERS GRP 6,880 6,983 11.28 10.50 10.53 69.135 218 CNA INS GRP 6,153 6,160 25.06 31.47 9.42 78.556 212 ZURICH INS GRP 4,149 4,332 1.23 1.68 6.35 84.907 38 CHUBB & SON INC GRP 2,225 2,140 1.97 1.74 3.41 88.318 140 NATIONWIDE CORP GRP 1,443 1,420 32.69 33.24 2.21 90.529 181 SWISS RE GRP 1,343 953 11.75 13.83 2.06 92.5710 474 FCCI MUT INS GRP 706 573 1.05 1.10 1.08 93.66

**STATE TOTAL** 65,308 64,164 -3.48 -2.43 100.00 100.00. .

Georgia 1 65 FM GLOBAL GRP 11,912 11,278 20.44 20.94 38.25 38.252 12 AMERICAN INTL GRP 3,996 4,019 4.32 4.80 12.83 51.083 3548 TRAVELERS GRP 2,737 2,692 38.00 35.28 8.79 59.874 212 ZURICH INS GRP 2,273 2,344 20.94 23.39 7.30 67.175 38 CHUBB & SON INC GRP 1,763 1,916 -2.93 -3.23 5.66 72.836 218 CNA INS GRP 1,479 1,593 -69.44 -64.13 4.75 77.587 361 MUNICH RE GRP 800 901 21.24 42.30 2.57 80.158 761 ALLIANZ INS GRP 796 804 -6.33 -7.16 2.56 82.709 140 NATIONWIDE CORP GRP 740 758 65.52 65.65 2.38 85.0810 242 SELECTIVE INS GRP 662 616 5.74 5.74 2.13 87.20




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 31,143 31,038 16.20 17.22 100.00 100.00. .

Hawaii 1 12 AMERICAN INTL GRP 2,542 2,339 6.37 6.92 48.46 48.462 361 MUNICH RE GRP 704 772 20.94 41.98 13.43 61.893 3548 TRAVELERS GRP 509 467 119.49 126.09 9.70 71.594 212 ZURICH INS GRP 454 484 -0.70 -0.69 8.65 80.245 65 FM GLOBAL GRP 334 320 0.00 0.00 6.36 86.606 181 SWISS RE GRP 275 275 11.45 13.62 5.25 91.857 38 CHUBB & SON INC GRP 136 145 -2.43 -2.69 2.60 94.458 1285 XL AMER GRP 54 131 1.37 1.44 1.03 95.489 218 CNA INS GRP 53 42 28.24 27.52 1.01 96.4810 3098 TOKIO MARINE HOLDINGS INC GRP 48 40 16.42 19.26 0.92 97.40

**STATE TOTAL** 5,245 5,138 19.22 23.28 100.00 100.00. .

Idaho 1 65 FM GLOBAL GRP 2,072 2,057 -47.07 -48.39 33.51 33.512 212 ZURICH INS GRP 1,067 1,052 12.52 12.98 17.25 50.763 38 CHUBB & SON INC GRP 531 536 -4.01 -4.35 8.59 59.354 12 AMERICAN INTL GRP 464 379 -1.33 -1.37 7.50 66.855 361 MUNICH RE GRP 354 367 72.39 83.07 5.72 72.576 3548 TRAVELERS GRP 203 243 5.23 9.47 3.28 75.857 140 NATIONWIDE CORP GRP 175 168 33.20 33.23 2.84 78.698 218 CNA INS GRP 171 188 49.24 54.60 2.77 81.469 333 MUTUAL OF ENUMCLAW GRP 156 151 3.34 3.34 2.52 83.9810 244 CINCINNATI FIN GRP 138 135 4.32 4.30 2.23 86.22

**STATE TOTAL** 6,184 6,105 -4.29 -3.64 100.00 100.00. .

Illinois 1 65 FM GLOBAL GRP 10,508 10,195 16.33 16.22 19.99 19.992 12 AMERICAN INTL GRP 8,000 7,594 3.06 3.49 15.22 35.213 3548 TRAVELERS GRP 6,290 6,627 10.35 10.29 11.97 47.174 38 CHUBB & SON INC GRP 5,634 5,718 5.58 5.10 10.72 57.895 212 ZURICH INS GRP 5,311 5,137 10.81 10.81 10.10 67.996 218 CNA INS GRP 2,565 1,970 64.94 63.95 4.88 72.877 361 MUNICH RE GRP 1,955 2,129 16.89 20.46 3.72 76.598 244 CINCINNATI FIN GRP 1,333 1,326 27.67 27.92 2.54 79.129 761 ALLIANZ INS GRP 1,204 1,225 -4.23 -6.27 2.29 81.4110 242 SELECTIVE INS GRP 1,111 1,051 33.48 33.48 2.11 83.52

**STATE TOTAL** 52,572 51,118 15.55 15.75 100.00 100.00. .

Indiana 1 12 AMERICAN INTL GRP 9,608 9,611 -36.16 -36.68 27.47 27.472 65 FM GLOBAL GRP 6,610 6,750 -3.75 -3.90 18.90 46.363 3548 TRAVELERS GRP 2,505 2,473 6.43 6.18 7.16 53.524 212 ZURICH INS GRP 2,144 2,175 12.43 13.23 6.13 59.655 38 CHUBB & SON INC GRP 1,893 2,072 10.66 10.71 5.41 65.066 22624 INDIANA FARMERS MUT INS CO 1,606 1,597 26.36 26.52 4.59 69.667 244 CINCINNATI FIN GRP 1,135 1,187 29.31 29.54 3.24 72.908 761 ALLIANZ INS GRP 1,078 1,136 -8.13 -9.31 3.08 75.989 361 MUNICH RE GRP 1,078 1,229 55.45 57.00 3.08 79.0610 242 SELECTIVE INS GRP 971 974 39.37 39.39 2.77 81.84

**STATE TOTAL** 34,980 35,225 3.69 3.68 100.00 100.00. .

Iowa 1 65 FM GLOBAL GRP 3,976 4,282 13.73 13.14 20.44 20.442 62 EMC INS CO GRP 3,746 3,589 3.39 3.39 19.25 39.693 3548 TRAVELERS GRP 1,655 1,686 2.67 2.74 8.50 48.204 12 AMERICAN INTL GRP 1,250 1,202 7.53 8.10 6.43 54.625 38 CHUBB & SON INC GRP 1,233 1,260 -2.43 -2.74 6.34 60.966 212 ZURICH INS GRP 1,220 1,194 3.63 3.81 6.27 67.237 140 NATIONWIDE CORP GRP 923 950 23.91 23.93 4.75 71.978 218 CNA INS GRP 790 752 70.08 75.77 4.06 76.039 244 CINCINNATI FIN GRP 778 800 31.35 31.82 4.00 80.0310 361 MUNICH RE GRP 673 742 23.57 26.42 3.46 83.49

**STATE TOTAL** 19,455 19,573 14.93 15.20 100.00 100.00. .

Kansas 1 62 EMC INS CO GRP 3,114 2,993 6.91 6.91 17.82 17.822 12 AMERICAN INTL GRP 2,937 2,973 18.32 19.65 16.81 34.643 65 FM GLOBAL GRP 2,694 2,726 10.94 10.94 15.42 50.06




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 38 CHUBB & SON INC GRP 1,845 1,759 60.81 62.54 10.56 60.625 3548 TRAVELERS GRP 1,835 1,757 5.56 4.99 10.50 71.126 98 WR BERKLEY CORP GRP 716 727 41.85 41.85 4.10 75.227 1285 XL AMER GRP 652 501 4.63 4.87 3.73 78.958 212 ZURICH INS GRP 618 612 -0.26 1.96 3.54 82.499 218 CNA INS GRP 519 589 77.41 80.80 2.97 85.4610 361 MUNICH RE GRP 453 471 13.88 14.74 2.60 88.06

**STATE TOTAL** 17,470 17,113 21.62 22.19 100.00 100.00. .

Kentucky 1 65 FM GLOBAL GRP 7,346 7,116 104.52 104.77 37.50 37.502 12 AMERICAN INTL GRP 3,066 3,129 2.79 3.16 15.65 53.153 212 ZURICH INS GRP 1,567 1,720 3.42 3.66 8.00 61.154 38 CHUBB & SON INC GRP 1,245 1,168 26.99 26.73 6.35 67.505 361 MUNICH RE GRP 1,143 1,144 38.45 43.18 5.83 73.336 3548 TRAVELERS GRP 1,004 992 -1.53 -1.45 5.12 78.467 218 CNA INS GRP 440 441 39.74 41.47 2.25 80.708 761 ALLIANZ INS GRP 419 413 10.77 9.73 2.14 82.849 62 EMC INS CO GRP 370 340 24.37 24.37 1.89 84.7310 244 CINCINNATI FIN GRP 292 292 25.65 25.75 1.49 86.22

**STATE TOTAL** 19,592 19,447 48.24 48.74 100.00 100.00. .

Louisiana 1 12 AMERICAN INTL GRP 7,073 7,528 3.91 2.92 29.44 29.442 65 FM GLOBAL GRP 7,072 6,721 9.88 8.77 29.43 58.873 361 MUNICH RE GRP 2,698 2,755 185.94 199.62 11.23 70.104 3548 TRAVELERS GRP 1,982 2,054 46.98 47.57 8.25 78.355 212 ZURICH INS GRP 1,189 1,059 -14.79 -6.96 4.95 83.306 218 CNA INS GRP 1,019 1,015 85.21 90.38 4.24 87.547 181 SWISS RE GRP 553 446 0.48 1.74 2.30 89.848 38 CHUBB & SON INC GRP 433 448 8.53 8.13 1.80 91.659 761 ALLIANZ INS GRP 331 402 -6.03 -6.94 1.38 93.0310 62 EMC INS CO GRP 294 270 22.87 22.87 1.22 94.25

**STATE TOTAL** 24,026 24,319 33.02 34.53 100.00 100.00. .

Maine 1 65 FM GLOBAL GRP 2,664 2,592 1.58 1.58 33.80 33.802 3548 TRAVELERS GRP 922 787 15.57 15.92 11.70 45.503 12 AMERICAN INTL GRP 826 740 5.91 6.05 10.48 55.984 212 ZURICH INS GRP 486 496 -5.04 -4.96 6.17 62.155 98 WR BERKLEY CORP GRP 453 430 -0.88 -0.10 5.75 67.896 181 SWISS RE GRP 372 339 999.82 1052.82 4.71 72.617 1309 FRANKENMUTH GRP 315 257 13.05 24.04 4.00 76.618 218 CNA INS GRP 271 192 44.47 49.61 3.43 80.049 3416 AXIS CAPITAL GRP 265 131 67.42 68.64 3.36 83.4010 761 ALLIANZ INS GRP 253 206 -1.80 -1.25 3.21 86.61

**STATE TOTAL** 7,883 7,650 52.60 55.92 100.00 100.00. .

Maryland 1 65 FM GLOBAL GRP 3,351 3,158 18.37 18.64 18.26 18.262 12 AMERICAN INTL GRP 3,225 3,341 36.61 38.79 17.57 35.833 38 CHUBB & SON INC GRP 2,159 2,152 4.81 4.48 11.77 47.604 3548 TRAVELERS GRP 1,509 1,557 7.21 4.86 8.23 55.835 212 ZURICH INS GRP 1,462 1,598 7.13 7.78 7.96 63.796 361 MUNICH RE GRP 1,017 1,055 16.51 18.69 5.54 69.337 242 SELECTIVE INS GRP 857 866 19.01 19.01 4.67 74.008 13501 BRETHREN MUT INS CO 840 764 9.39 9.39 4.58 78.589 218 CNA INS GRP 769 768 19.43 25.49 4.19 82.7710 140 NATIONWIDE CORP GRP 680 700 28.17 28.28 3.71 86.48

**STATE TOTAL** 18,351 18,129 18.96 19.91 100.00 100.00. .

Massachusetts 1 65 FM GLOBAL GRP 7,576 7,757 29.83 25.46 24.93 24.932 12 AMERICAN INTL GRP 6,652 5,323 8.75 9.24 21.89 46.813 38 CHUBB & SON INC GRP 3,551 3,662 4.70 4.47 11.68 58.494 3548 TRAVELERS GRP 3,045 3,138 13.58 13.85 10.02 68.515 212 ZURICH INS GRP 2,186 2,365 -2.73 -3.12 7.19 75.706 218 CNA INS GRP 1,283 1,495 34.10 40.17 4.22 79.927 361 MUNICH RE GRP 1,258 1,950 -569.92 -666.67 4.14 84.068 3416 AXIS CAPITAL GRP 1,098 532 69.16 70.27 3.61 87.67




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 761 ALLIANZ INS GRP 549 528 -12.59 -15.54 1.81 89.4810 181 SWISS RE GRP 427 413 -184.45 -189.45 1.40 90.88

**STATE TOTAL** 30,396 29,877 -23.64 -30.82 100.00 100.00. .

Michigan 1 65 FM GLOBAL GRP 11,039 10,300 27.05 27.68 25.37 25.372 3548 TRAVELERS GRP 4,810 4,922 20.38 22.70 11.06 36.433 12 AMERICAN INTL GRP 3,593 4,250 2.91 3.21 8.26 44.694 67 MICHIGAN FARM BUREAU GRP 3,485 2,636 30.39 30.39 8.01 52.705 38 CHUBB & SON INC GRP 3,333 3,362 17.04 17.36 7.66 60.366 212 ZURICH INS GRP 1,927 2,043 -4.81 -3.96 4.43 64.797 361 MUNICH RE GRP 1,888 2,055 -28.96 -17.18 4.34 69.138 1309 FRANKENMUTH GRP 1,686 1,685 49.41 49.26 3.88 73.009 218 CNA INS GRP 1,482 1,572 55.54 60.19 3.41 76.4110 62 EMC INS CO GRP 1,208 1,080 19.94 19.94 2.78 79.19

**STATE TOTAL** 43,507 42,640 23.14 24.40 100.00 100.00. .

Minnesota 1 65 FM GLOBAL GRP 7,733 7,652 -7.21 -8.17 28.51 28.512 12 AMERICAN INTL GRP 2,980 2,835 5.66 6.25 10.99 39.503 3548 TRAVELERS GRP 2,827 3,201 1.33 -0.17 10.42 49.924 38 CHUBB & SON INC GRP 1,531 1,649 -7.28 -7.82 5.64 55.575 218 CNA INS GRP 1,362 1,334 5.66 10.42 5.02 60.596 212 ZURICH INS GRP 1,286 1,215 18.15 19.18 4.74 65.337 361 MUNICH RE GRP 1,263 1,448 18.07 20.15 4.66 69.998 309 WESTERN NATL MUT 894 898 28.77 28.69 3.30 73.289 62 EMC INS CO GRP 827 751 15.18 15.18 3.05 76.3310 7 FEDERATED MUT GRP 666 695 53.75 53.75 2.46 78.79

**STATE TOTAL** 27,120 27,131 8.02 8.18 100.00 100.00. .

Mississippi 1 65 FM GLOBAL GRP 2,787 3,208 4.05 4.00 24.88 24.882 12 AMERICAN INTL GRP 1,808 1,767 1.99 2.24 16.14 41.033 3548 TRAVELERS GRP 1,282 1,340 58.48 53.72 11.45 52.484 361 MUNICH RE GRP 916 1,052 10.71 11.73 8.18 60.655 212 ZURICH INS GRP 897 986 10.47 10.95 8.01 68.666 38 CHUBB & SON INC GRP 532 543 -3.07 -3.37 4.75 73.417 140 NATIONWIDE CORP GRP 524 506 20.58 20.98 4.67 78.098 218 CNA INS GRP 472 469 -44.63 -36.85 4.22 82.309 62 EMC INS CO GRP 401 363 43.96 43.96 3.58 85.8810 13528 BROTHERHOOD MUT INS CO 252 239 18.59 18.59 2.25 88.14

**STATE TOTAL** 11,198 11,871 11.34 11.25 100.00 100.00. .

Missouri 1 65 FM GLOBAL GRP 4,279 4,699 962.58 962.90 20.41 20.412 12 AMERICAN INTL GRP 2,777 2,901 7.19 7.66 13.25 33.663 361 MUNICH RE GRP 2,162 1,554 -235.62 -234.15 10.31 43.984 3548 TRAVELERS GRP 2,155 2,214 4.54 3.79 10.28 54.265 212 ZURICH INS GRP 2,130 2,305 7.20 7.42 10.16 64.426 38 CHUBB & SON INC GRP 1,614 1,570 68.94 68.53 7.70 72.127 218 CNA INS GRP 1,168 1,216 63.14 67.33 5.57 77.698 140 NATIONWIDE CORP GRP 571 588 62.92 62.92 2.73 80.429 761 ALLIANZ INS GRP 451 484 -1.65 -3.98 2.15 82.5710 62 EMC INS CO GRP 409 358 16.42 16.42 1.95 84.52

**STATE TOTAL** 20,961 21,139 211.36 211.76 100.00 100.00. .

Montana 1 65 FM GLOBAL GRP 1,443 1,274 0.00 0.00 31.36 31.362 12 AMERICAN INTL GRP 533 857 4.83 5.33 11.59 42.963 3548 TRAVELERS GRP 496 477 -3.80 -7.88 10.78 53.744 62 EMC INS CO GRP 473 475 8.80 8.80 10.28 64.025 361 MUNICH RE GRP 378 385 7.67 7.62 8.21 72.236 212 ZURICH INS GRP 371 330 1.42 1.54 8.07 80.317 244 CINCINNATI FIN GRP 214 189 73.66 73.63 4.65 84.968 38 CHUBB & SON INC GRP 116 92 20.26 20.05 2.52 87.489 98 WR BERKLEY CORP GRP 99 122 -23.42 -23.40 2.15 89.6310 140 NATIONWIDE CORP GRP 92 87 33.04 32.78 2.00 91.63

**STATE TOTAL** 4,601 4,688 6.32 6.10 100.00 100.00. .





StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 65 FM GLOBAL GRP 2,516 1,767 -144.14 -143.37 20.49 42.443 3548 TRAVELERS GRP 1,375 1,412 0.79 -0.48 11.20 53.644 212 ZURICH INS GRP 960 854 6.32 6.91 7.82 61.465 62 EMC INS CO GRP 955 955 17.32 17.32 7.78 69.246 38 CHUBB & SON INC GRP 867 851 4.81 4.66 7.06 76.317 361 MUNICH RE GRP 537 560 29.26 32.90 4.38 80.698 98 WR BERKLEY CORP GRP 446 432 23.30 23.31 3.63 84.329 140 NATIONWIDE CORP GRP 388 375 28.94 28.73 3.16 87.4810 244 CINCINNATI FIN GRP 299 277 3.21 3.48 2.43 89.91

**STATE TOTAL** 12,276 11,157 -8.11 -7.69 100.00 100.00. .

Nevada 1 65 FM GLOBAL GRP 4,170 3,722 3.96 5.91 39.64 39.642 3548 TRAVELERS GRP 1,353 1,336 3.75 3.26 12.86 52.503 12 AMERICAN INTL GRP 1,247 1,438 5.82 6.35 11.85 64.354 212 ZURICH INS GRP 1,209 1,049 -25.68 -26.89 11.49 75.855 38 CHUBB & SON INC GRP 488 532 -5.99 -6.57 4.64 80.496 218 CNA INS GRP 473 453 127.98 134.35 4.50 84.997 761 ALLIANZ INS GRP 201 123 -4.15 -4.83 1.91 86.908 140 NATIONWIDE CORP GRP 196 174 7.24 6.82 1.86 88.769 3219 SOMPO JAPAN INS GRP 192 226 23.72 23.72 1.82 90.5810 361 MUNICH RE GRP 169 191 -1.74 -1.95 1.61 92.19

**STATE TOTAL** 10,519 10,103 6.40 7.32 100.00 100.00. .

New Hampshire 1 65 FM GLOBAL GRP 977 977 72.28 73.59 18.25 18.252 38 CHUBB & SON INC GRP 544 537 183.89 190.84 10.17 28.433 1285 XL AMER GRP 536 321 -1.58 -1.67 10.02 38.444 3548 TRAVELERS GRP 466 461 4.13 5.21 8.70 47.145 12 AMERICAN INTL GRP 429 474 11.03 11.55 8.02 55.176 212 ZURICH INS GRP 358 366 45.24 44.98 6.69 61.857 218 CNA INS GRP 355 345 51.27 60.94 6.63 68.488 181 SWISS RE GRP 320 259 314.30 330.31 5.97 74.459 361 MUNICH RE GRP 249 307 66.95 79.73 4.65 79.1010 1129 WHITE MOUNTAINS GRP 164 151 5.01 5.03 3.06 82.16

**STATE TOTAL** 5,351 5,092 63.34 66.90 100.00 100.00. .

New Jersey 1 12 AMERICAN INTL GRP 8,091 7,941 45.81 47.96 20.83 20.832 65 FM GLOBAL GRP 5,152 5,161 57.75 59.95 13.26 34.103 38 CHUBB & SON INC GRP 4,379 4,490 3.82 3.59 11.27 45.374 3548 TRAVELERS GRP 3,160 3,265 19.46 17.53 8.13 53.505 218 CNA INS GRP 2,772 2,905 39.39 44.96 7.14 60.646 212 ZURICH INS GRP 2,757 2,955 23.43 25.34 7.10 67.747 242 SELECTIVE INS GRP 2,292 2,263 37.30 37.32 5.90 73.648 54 CUMBERLAND GRP 2,243 2,136 7.29 7.56 5.78 79.429 361 MUNICH RE GRP 2,094 2,286 26.14 29.40 5.39 84.8110 16446 FARMERS INS CO OF FLEMINGTON 710 717 8.27 9.35 1.83 86.63

**STATE TOTAL** 38,842 39,059 30.92 32.52 100.00 100.00. .

New Mexico 1 65 FM GLOBAL GRP 2,031 2,060 13.33 11.62 31.25 31.252 12 AMERICAN INTL GRP 1,273 1,174 4.80 5.20 19.59 50.843 361 MUNICH RE GRP 965 948 25.85 28.97 14.85 65.694 212 ZURICH INS GRP 584 560 -2.82 -2.70 8.99 74.685 3548 TRAVELERS GRP 393 396 -9.34 -13.62 6.05 80.736 218 CNA INS GRP 165 187 78.50 82.16 2.54 83.277 1285 XL AMER GRP 142 123 25.71 28.05 2.19 85.468 38 CHUBB & SON INC GRP 129 129 -6.00 -6.50 1.99 87.459 36 CENTRAL MUT INS CO GRP 113 149 26.80 26.80 1.73 89.1810 13528 BROTHERHOOD MUT INS CO 112 107 -3.32 -3.32 1.72 90.90

**STATE TOTAL** 6,498 6,409 11.17 11.05 100.00 100.00. .

New York 1 12 AMERICAN INTL GRP 20,475 22,078 20.45 21.79 22.67 22.672 65 FM GLOBAL GRP 13,806 14,075 38.37 40.57 15.29 37.963 38 CHUBB & SON INC GRP 11,856 11,702 13.12 12.48 13.13 51.104 3548 TRAVELERS GRP 10,008 9,764 11.86 10.54 11.08 62.185 218 CNA INS GRP 7,612 8,057 52.82 59.17 8.43 70.616 361 MUNICH RE GRP 5,563 6,131 37.74 42.56 6.16 76.77




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 212 ZURICH INS GRP 4,425 4,681 25.85 31.83 4.90 81.678 181 SWISS RE GRP 2,140 2,151 -469.79 -530.01 2.37 84.049 242 SELECTIVE INS GRP 2,115 2,100 30.03 30.17 2.34 86.3810 34843 NEW YORK SCHOOLS INS RECIP 1,629 1,566 42.77 42.77 1.80 88.19

**STATE TOTAL** 90,297 93,692 12.75 12.92 100.00 100.00. .

North Carolina 1 65 FM GLOBAL GRP 9,762 9,806 117.40 117.64 30.55 30.552 12 AMERICAN INTL GRP 2,904 2,529 5.34 5.84 9.09 39.643 212 ZURICH INS GRP 2,795 2,856 32.50 37.57 8.75 48.394 3548 TRAVELERS GRP 2,536 2,616 5.27 3.54 7.94 56.325 140 NATIONWIDE CORP GRP 2,481 2,502 20.61 20.45 7.76 64.096 38 CHUBB & SON INC GRP 1,903 2,026 -1.75 -2.02 5.96 70.047 361 MUNICH RE GRP 1,646 1,678 32.06 36.06 5.15 75.208 218 CNA INS GRP 1,267 1,339 -44.48 -39.25 3.96 79.169 761 ALLIANZ INS GRP 861 828 -7.48 -8.43 2.70 81.8610 242 SELECTIVE INS GRP 801 760 19.06 19.22 2.51 84.36

**STATE TOTAL** 31,953 31,894 43.70 44.51 100.00 100.00. .

North Dakota 1 65 FM GLOBAL GRP 2,420 3,413 0.00 0.00 41.37 41.372 361 MUNICH RE GRP 682 686 10.58 11.04 11.66 53.033 3548 TRAVELERS GRP 468 440 18.81 18.03 8.00 61.034 12 AMERICAN INTL GRP 451 394 1.65 2.06 7.71 68.745 62 EMC INS CO GRP 350 326 14.56 14.56 5.98 74.726 212 ZURICH INS GRP 224 257 -2.79 -2.67 3.82 78.547 98 WR BERKLEY CORP GRP 173 146 6.34 6.34 2.96 81.518 244 CINCINNATI FIN GRP 163 159 16.83 16.79 2.79 84.299 218 CNA INS GRP 126 167 27.99 31.29 2.15 86.4510 38 CHUBB & SON INC GRP 126 123 8.07 8.08 2.15 88.60

**STATE TOTAL** 5,851 6,699 6.66 6.76 100.00 100.00. .

Ohio 1 65 FM GLOBAL GRP 15,211 14,133 178.38 180.17 29.21 29.212 12 AMERICAN INTL GRP 5,611 5,342 6.63 6.93 10.78 39.993 3548 TRAVELERS GRP 4,266 4,089 4.10 3.90 8.19 48.184 38 CHUBB & SON INC GRP 4,076 4,261 6.31 5.98 7.83 56.015 212 ZURICH INS GRP 3,588 4,098 6.82 6.93 6.89 62.906 218 CNA INS GRP 3,104 3,213 36.22 40.39 5.96 68.867 140 NATIONWIDE CORP GRP 1,999 2,118 33.33 32.94 3.84 72.708 361 MUNICH RE GRP 1,733 1,836 245.92 258.21 3.33 76.039 244 CINCINNATI FIN GRP 1,422 1,467 53.77 54.14 2.73 78.7610 291 MOTORISTS MUT GRP 1,236 1,211 8.76 8.76 2.37 81.13

**STATE TOTAL** 52,070 51,697 68.30 69.42 100.00 100.00. .

Oklahoma 1 65 FM GLOBAL GRP 4,729 4,279 19.42 19.42 29.55 29.552 12 AMERICAN INTL GRP 3,583 3,362 10.71 11.35 22.39 51.943 3548 TRAVELERS GRP 1,451 1,620 13.13 11.35 9.07 61.014 38 CHUBB & SON INC GRP 1,211 1,220 -2.59 -2.87 7.57 68.585 212 ZURICH INS GRP 768 779 1.02 2.19 4.80 73.386 361 MUNICH RE GRP 519 544 20.21 25.08 3.24 76.627 218 CNA INS GRP 467 444 -16.00 -12.55 2.92 79.548 36 CENTRAL MUT INS CO GRP 455 556 2.20 2.20 2.84 82.389 1285 XL AMER GRP 434 328 9.58 10.16 2.71 85.0910 62 EMC INS CO GRP 370 342 16.11 16.11 2.31 87.41

**STATE TOTAL** 16,002 15,524 10.19 10.45 100.00 100.00. .

Oregon 1 65 FM GLOBAL GRP 4,902 5,180 7.19 6.70 32.15 32.152 12 AMERICAN INTL GRP 2,299 2,187 11.80 12.29 15.08 47.233 212 ZURICH INS GRP 1,709 1,659 -2.27 -2.22 11.21 58.444 38 CHUBB & SON INC GRP 1,036 1,153 13.68 13.71 6.79 65.245 3548 TRAVELERS GRP 732 693 15.90 14.72 4.80 70.046 361 MUNICH RE GRP 683 723 9.05 9.10 4.48 74.527 218 CNA INS GRP 599 624 80.57 85.81 3.93 78.458 23108 LUMBERMENS UNDERWRITING ALLIANCE 453 446 0.00 0.00 2.97 81.429 761 ALLIANZ INS GRP 382 348 -7.83 -8.77 2.50 83.9310 645 OREGON MUT GRP 360 344 2.56 2.56 2.36 86.29

**STATE TOTAL** 15,245 15,446 13.33 13.52 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Pennsylvania 1 65 FM GLOBAL GRP 12,812 12,201 20.82 20.64 22.65 22.65

2 12 AMERICAN INTL GRP 7,690 6,765 6.36 6.89 13.60 36.253 38 CHUBB & SON INC GRP 5,432 5,389 25.86 25.81 9.60 45.864 3548 TRAVELERS GRP 5,110 5,275 35.33 35.27 9.03 54.895 212 ZURICH INS GRP 4,033 4,424 5.85 6.18 7.13 62.026 242 SELECTIVE INS GRP 2,600 2,519 19.68 19.69 4.60 66.627 626 ACE LTD GRP 2,539 2,561 23.19 23.70 4.49 71.118 361 MUNICH RE GRP 2,262 2,538 31.51 36.15 4.00 75.119 218 CNA INS GRP 2,124 2,517 43.43 47.57 3.76 78.8610 140 NATIONWIDE CORP GRP 1,638 1,768 36.47 36.10 2.90 81.76

**STATE TOTAL** 56,555 55,450 20.43 20.89 100.00 100.00. .

Rhode Island 1 65 FM GLOBAL GRP 825 819 -6.83 -11.31 21.10 21.102 12 AMERICAN INTL GRP 736 873 5.60 6.19 18.83 39.933 3548 TRAVELERS GRP 341 333 25.82 24.39 8.73 48.664 38 CHUBB & SON INC GRP 329 344 -2.96 -3.25 8.43 57.095 62 EMC INS CO GRP 269 264 13.06 13.06 6.88 63.976 218 CNA INS GRP 243 215 154.51 163.15 6.21 70.187 242 SELECTIVE INS GRP 212 209 19.66 19.66 5.43 75.618 212 ZURICH INS GRP 194 184 -5.27 -5.19 4.97 80.589 361 MUNICH RE GRP 171 207 6.25 7.58 4.36 84.9410 140 NATIONWIDE CORP GRP 99 111 17.55 17.49 2.54 87.48

**STATE TOTAL** 3,910 4,051 13.79 13.36 100.00 100.00. .

South Carolina 1 65 FM GLOBAL GRP 6,109 6,208 1.68 1.95 34.21 34.212 12 AMERICAN INTL GRP 3,535 3,474 6.34 6.87 19.79 54.003 3548 TRAVELERS GRP 1,277 1,276 0.85 -0.00 7.15 61.154 212 ZURICH INS GRP 1,098 1,182 -2.96 -2.76 6.15 67.305 361 MUNICH RE GRP 961 977 13.60 38.11 5.38 72.686 38 CHUBB & SON INC GRP 766 673 -1.02 -1.28 4.29 76.977 218 CNA INS GRP 736 683 36.65 41.11 4.12 81.098 140 NATIONWIDE CORP GRP 443 423 70.06 70.18 2.48 83.579 761 ALLIANZ INS GRP 379 360 -3.18 -3.72 2.12 85.6910 242 SELECTIVE INS GRP 309 312 17.60 17.63 1.73 87.42

**STATE TOTAL** 17,859 17,684 6.95 8.71 100.00 100.00. .

South Dakota 1 65 FM GLOBAL GRP 900 1,385 1.68 1.68 21.02 21.022 12 AMERICAN INTL GRP 544 450 17.57 18.33 12.69 33.713 3548 TRAVELERS GRP 336 302 3.44 2.78 7.84 41.554 62 EMC INS CO GRP 316 302 32.28 32.28 7.37 48.925 98 WR BERKLEY CORP GRP 274 264 3.39 3.39 6.39 55.316 38 CHUBB & SON INC GRP 254 256 -0.33 -0.85 5.93 61.237 23574 MIDWEST FAMILY MUT INS CO 206 178 25.68 25.68 4.81 66.058 361 MUNICH RE GRP 203 220 13.25 15.61 4.74 70.799 14184 ACUITY A MUT INS CO 202 192 16.52 16.52 4.70 75.4910 218 CNA INS GRP 159 125 31.11 33.48 3.70 79.19

**STATE TOTAL** 4,284 4,565 9.19 9.38 100.00 100.00. .

Tennessee 1 65 FM GLOBAL GRP 6,543 6,451 4.91 5.29 30.47 30.472 12 AMERICAN INTL GRP 1,961 2,276 2.53 2.93 9.13 39.613 3548 TRAVELERS GRP 1,780 1,800 1.87 -0.35 8.29 47.904 212 ZURICH INS GRP 1,770 1,897 0.03 1.00 8.24 56.145 361 MUNICH RE GRP 1,741 1,828 92.53 93.40 8.11 64.256 38 CHUBB & SON INC GRP 1,184 1,171 3.40 2.59 5.51 69.767 218 CNA INS GRP 1,100 1,095 129.91 135.45 5.12 74.898 140 NATIONWIDE CORP GRP 739 784 23.98 24.12 3.44 78.339 761 ALLIANZ INS GRP 555 675 7.43 6.68 2.58 80.9110 242 SELECTIVE INS GRP 399 268 13.85 13.85 1.86 82.77

**STATE TOTAL** 21,472 21,776 20.12 20.52 100.00 100.00. .

Texas 1 12 AMERICAN INTL GRP 48,071 45,902 34.76 37.11 39.15 39.152 65 FM GLOBAL GRP 28,357 26,929 67.22 67.92 23.09 62.243 3548 TRAVELERS GRP 9,324 9,657 210.90 211.19 7.59 69.844 212 ZURICH INS GRP 6,950 7,339 22.57 23.66 5.66 75.50




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 38 CHUBB & SON INC GRP 5,384 5,386 7.59 6.80 4.38 79.886 361 MUNICH RE GRP 3,852 4,021 34.38 38.92 3.14 83.027 218 CNA INS GRP 3,643 3,775 339.37 345.54 2.97 85.998 111 LIBERTY MUT GRP 2,473 2,636 -0.33 -0.90 2.01 88.009 761 ALLIANZ INS GRP 2,125 2,361 -2.97 -3.70 1.73 89.7310 140 NATIONWIDE CORP GRP 1,557 1,519 87.75 88.76 1.27 91.00

**STATE TOTAL** 122,788 120,447 60.68 62.17 100.00 100.00. .

Utah 1 65 FM GLOBAL GRP 2,347 2,299 0.44 0.44 31.33 31.332 12 AMERICAN INTL GRP 940 853 1.87 2.07 12.55 43.883 212 ZURICH INS GRP 820 830 18.51 17.84 10.95 54.834 361 MUNICH RE GRP 636 654 156.34 157.93 8.49 63.325 3548 TRAVELERS GRP 611 584 35.52 33.56 8.15 71.476 38 CHUBB & SON INC GRP 500 452 -2.29 -2.54 6.67 78.147 140 NATIONWIDE CORP GRP 311 285 22.22 22.79 4.16 82.298 244 CINCINNATI FIN GRP 262 246 4.95 4.89 3.49 85.799 218 CNA INS GRP 211 222 30.04 33.85 2.82 88.6110 761 ALLIANZ INS GRP 143 110 -3.20 -4.13 1.92 90.52

**STATE TOTAL** 7,492 7,348 23.20 23.25 100.00 100.00. .

Vermont 1 65 FM GLOBAL GRP 640 669 22.27 21.98 20.91 20.912 12 AMERICAN INTL GRP 417 383 2.18 2.42 13.62 34.533 218 CNA INS GRP 341 190 19.48 23.62 11.13 45.664 361 MUNICH RE GRP 298 324 35.93 41.56 9.73 55.395 38 CHUBB & SON INC GRP 222 242 -2.44 -2.69 7.27 62.666 796 QBE INS GRP 207 209 -0.41 -0.41 6.78 69.447 98 WR BERKLEY CORP GRP 188 182 -7.01 -6.37 6.15 75.598 3548 TRAVELERS GRP 174 175 24.94 24.11 5.70 81.299 212 ZURICH INS GRP 174 179 -0.38 -7.52 5.68 86.9710 244 CINCINNATI FIN GRP 91 91 -0.54 -0.63 2.96 89.93

**STATE TOTAL** 3,059 2,926 13.50 13.98 100.00 100.00. .

Virginia 1 65 FM GLOBAL GRP 7,358 7,484 58.63 59.67 26.86 26.862 12 AMERICAN INTL GRP 4,758 4,457 50.69 54.30 17.37 44.233 3548 TRAVELERS GRP 3,468 3,463 52.31 52.16 12.66 56.894 38 CHUBB & SON INC GRP 2,085 1,992 -3.38 -5.43 7.61 64.505 212 ZURICH INS GRP 1,261 1,415 5.05 5.14 4.60 69.116 140 NATIONWIDE CORP GRP 1,187 1,193 30.99 30.67 4.33 73.447 361 MUNICH RE GRP 1,067 1,186 31.80 35.90 3.89 77.348 242 SELECTIVE INS GRP 968 967 16.86 17.06 3.53 80.879 218 CNA INS GRP 714 713 64.17 68.96 2.61 83.4710 244 CINCINNATI FIN GRP 548 523 37.29 37.30 2.00 85.48

**STATE TOTAL** 27,391 27,075 42.34 43.16 100.00 100.00. .

Washington 1 65 FM GLOBAL GRP 8,112 8,363 52.48 51.58 28.28 28.282 12 AMERICAN INTL GRP 6,516 6,271 8.92 9.62 22.71 50.993 212 ZURICH INS GRP 2,793 2,874 96.89 103.70 9.74 60.724 361 MUNICH RE GRP 1,922 1,952 19.94 24.17 6.70 67.425 218 CNA INS GRP 1,838 2,041 19.22 26.22 6.41 73.836 38 CHUBB & SON INC GRP 1,529 1,554 -1.63 -1.91 5.33 79.167 3548 TRAVELERS GRP 1,231 1,670 65.53 68.82 4.29 83.458 333 MUTUAL OF ENUMCLAW GRP 851 841 13.91 13.91 2.97 86.429 761 ALLIANZ INS GRP 618 646 -2.10 -2.60 2.15 88.5710 645 OREGON MUT GRP 547 538 18.80 18.80 1.91 90.48

**STATE TOTAL** 28,690 29,553 34.56 36.05 100.00 100.00. .

West Virginia 1 65 FM GLOBAL GRP 1,461 1,957 1813.93 1843.90 26.02 26.022 12 AMERICAN INTL GRP 987 853 -0.21 -0.00 17.58 43.603 38 CHUBB & SON INC GRP 723 726 -3.03 -3.33 12.87 56.484 3548 TRAVELERS GRP 610 615 -9.47 -11.30 10.87 67.355 140 NATIONWIDE CORP GRP 397 396 24.03 23.82 7.07 74.426 181 SWISS RE GRP 305 307 -532.17 -453.02 5.44 79.857 212 ZURICH INS GRP 260 253 -0.74 -0.69 4.64 84.508 361 MUNICH RE GRP 175 199 -364.41 -369.87 3.12 87.629 244 CINCINNATI FIN GRP 165 159 7.78 7.73 2.94 90.56




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


10 13528 BROTHERHOOD MUT INS CO 125 117 19.69 19.69 2.22 92.78**STATE TOTAL** 5,613 6,682 498.46 510.80 100.00 100.00

. .Wisconsin 1 65 FM GLOBAL GRP 7,120 7,041 3.69 11.93 21.58 21.58

2 12 AMERICAN INTL GRP 4,271 3,351 25.49 26.99 12.94 34.523 38 CHUBB & SON INC GRP 3,004 2,925 9.37 7.13 9.10 43.624 3548 TRAVELERS GRP 2,809 2,936 16.47 16.91 8.51 52.145 212 ZURICH INS GRP 2,023 2,027 3.36 3.88 6.13 58.276 361 MUNICH RE GRP 1,620 1,745 35.95 36.97 4.91 63.187 218 CNA INS GRP 1,449 1,510 133.12 139.49 4.39 67.578 62 EMC INS CO GRP 1,187 1,112 12.41 12.41 3.60 71.179 14184 ACUITY A MUT INS CO 1,185 1,222 30.48 30.48 3.59 74.7610 1243 WEST BEND MUT GRP 1,122 1,055 24.65 24.65 3.40 78.16

**STATE TOTAL** 32,997 32,352 21.14 23.38 100.00 100.00. .

Wyoming 1 12 AMERICAN INTL GRP 1,978 1,875 8.50 9.15 33.48 33.482 65 FM GLOBAL GRP 1,931 2,538 368.40 373.03 32.68 66.173 212 ZURICH INS GRP 734 831 -5.29 -5.23 12.43 78.604 3548 TRAVELERS GRP 232 203 -3.96 -8.03 3.92 82.525 361 MUNICH RE GRP 198 215 11.08 11.89 3.36 85.876 140 NATIONWIDE CORP GRP 129 119 44.82 44.91 2.19 88.077 62 EMC INS CO GRP 111 115 10.72 10.72 1.88 89.958 38 CHUBB & SON INC GRP 106 113 -3.36 -3.68 1.79 91.749 761 ALLIANZ INS GRP 79 97 -6.19 -6.66 1.33 93.0710 1285 XL AMER GRP 68 72 8.28 8.71 1.14 94.22

**STATE TOTAL** 5,907 6,520 146.96 148.87 100.00 100.00. .


Guam 1 4672 DONGBU INS GRP 50 502 1.32 1.81 81.88 81.882 65 FM GLOBAL GRP 6 5 0.00 0.00 10.00 91.893 10972 FIRST NET INS CO 5 5 0.00 0.00 7.41 99.304 1285 XL AMER GRP 0 0 -1.55 -1.55 0.55 99.84

**STATE TOTAL** 61 511 -1.14 -0.82 100.00 100.00. .

Puerto Rico 1 65 FM GLOBAL GRP 2,844 2,627 -17.62 -17.94 29.10 29.102 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 2,175 2,008 3.03 3.46 22.26 51.363 12 AMERICAN INTL GRP 1,027 1,033 -170.71 -157.98 10.51 61.874 218 CNA INS GRP 916 693 182.72 198.25 9.37 71.245 3548 TRAVELERS GRP 817 757 91.82 98.59 8.36 79.606 212 ZURICH INS GRP 629 606 -2.54 -2.54 6.43 86.047 411 MAPFRE INS GRP 515 632 11.78 11.41 5.27 91.308 343 NATIONAL INS CO GRP 324 311 -2.53 -5.17 3.31 94.629 361 MUNICH RE GRP 123 85 17.57 17.51 1.26 95.8810 40568 TRIPLE S PROPIEDAD INC 101 102 0.96 0.96 1.03 96.91

**STATE TOTAL** 9,773 9,138 3.98 6.73 100.00 100.00. .

U.S. Virgin Islands 1 3548 TRAVELERS GRP 27 26 0.03 0.02 45.26 45.262 65 FM GLOBAL GRP 14 10 0.00 0.00 24.02 69.283 12 AMERICAN INTL GRP 8 9 0.00 0.00 13.67 82.954 361 MUNICH RE GRP 7 6 -26.00 -26.62 11.64 94.595 38 CHUBB & SON INC GRP 2 2 -2.33 -2.61 3.59 98.18

**STATE TOTAL** 60 55 19.61 19.59 100.00 100.00. .

N. Mariana Islands 1 4672 DONGBU INS GRP 38 38 0.04 0.06 99.83 99.83**STATE TOTAL** 38 39 0.04 0.06 100.00 100.00

. .Canada 1 65 FM GLOBAL GRP 54,594 53,842 27.18 27.76 87.40 87.40

2 181 SWISS RE GRP 3,262 2,851 76.68 85.72 5.22 92.623 3548 TRAVELERS GRP 2,523 2,671 40.04 41.79 4.04 96.664 218 CNA INS GRP 806 736 -257.02 -252.66 1.29 97.955 23108 LUMBERMENS UNDERWRITING ALLIANCE 622 666 -2.45 -2.45 1.00 98.956 761 ALLIANZ INS GRP 410 350 -72.17 -72.54 0.66 99.617 1285 XL AMER GRP 99 122 -2.57 -2.71 0.16 99.768 84 AMERICAN FINANCIAL GRP 71 65 0.00 0.00 0.11 99.88




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**STATE TOTAL** 62,462 61,446 25.67 26.72 100.00 100.00. .

Aggregate Other Alien 1 65 FM GLOBAL GRP 6,562 5,399 2.05 2.01 41.33 41.332 761 ALLIANZ INS GRP 4,627 3,410 -6.14 -6.93 29.14 70.473 12 AMERICAN INTL GRP 1,089 1,373 -19.21 -16.78 6.86 77.334 38 CHUBB & SON INC GRP 934 310 3.75 3.38 5.88 83.225 626 ACE LTD GRP 894 921 -114.85 -114.24 5.63 88.856 3548 TRAVELERS GRP 528 517 32.84 35.73 3.33 92.187 1285 XL AMER GRP 428 767 5.04 5.30 2.70 94.878 361 MUNICH RE GRP 426 377 729.95 748.84 2.68 97.559 212 ZURICH INS GRP 143 204 -20.68 -20.68 0.90 98.4610 181 SWISS RE GRP 79 74 11.45 13.62 0.50 98.95

**STATE TOTAL** 15,878 13,529 10.66 11.31 100.00 100.00. .




28— Credit



States, U.S. Territories, Canada, and Aggregate Other Alien28-Credit



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 19 ASSURANT INC GRP 327,363 324,426 28.15 28.19 17.33 17.332 12 AMERICAN INTL GRP 253,887 317,262 287.75 288.53 13.44 30.773 761 ALLIANZ INS GRP 199,793 208,617 74.37 74.77 10.58 41.354 796 QBE INS GRP 155,143 101,003 30.58 31.65 8.21 49.565 150 OLD REPUBLIC GRP 153,250 157,190 148.65 161.93 8.11 57.686 408 AMERICAN NATL FIN GRP 131,720 135,652 36.91 36.91 6.97 64.657 31887 COFACE N AMER INS CO 73,945 79,894 113.65 116.55 3.91 68.568 93 STATE NATL GRP 61,624 59,945 50.32 57.35 3.26 71.839 181 SWISS RE GRP 51,042 66,450 60.28 61.28 2.70 74.5310 1129 WHITE MOUNTAINS GRP 50,087 48,123 58.91 58.91 2.65 77.1811 1279 ARCH INS GRP 46,509 39,693 39.39 39.45 2.46 79.6412 8 ALLSTATE INS GRP 45,855 105,800 94.57 94.54 2.43 82.0713 84 AMERICAN FINANCIAL GRP 31,758 32,556 43.09 43.21 1.68 83.7514 4254 THE WARRANTY GRP 29,749 26,447 32.48 32.48 1.57 85.3315 468 AEGON US HOLDING GRP 29,615 79,379 37.89 37.88 1.57 86.9016 681 SERVICE LIFE GRP 28,970 38,150 34.88 34.88 1.53 88.4317 626 ACE LTD GRP 28,769 29,271 1.43 4.84 1.52 89.9518 212 ZURICH INS GRP 28,422 27,460 679.72 693.64 1.50 91.4619 984 HCC INS HOLDINGS GRP 18,558 19,645 150.22 153.70 0.98 92.4420 458 PROTECTIVE LIFE INS GRP 17,134 45,028 29.76 29.76 0.91 93.3521 697 VAN ENT GRP 15,816 17,828 47.36 47.36 0.84 94.1822 79 GMAC INS HOLDING GRP 15,790 5,710 7.88 7.88 0.84 95.0223 641 FIRST TOWER GRP 13,000 11,356 10.12 10.12 0.69 95.7124 2538 AMTRUST FINANCIAL SERV GRP 12,679 18,290 35.05 35.05 0.67 96.3825 18538 BANCINSURE INC 8,123 8,228 57.55 57.55 0.43 96.8126 218 CNA INS GRP 7,948 10,407 39.73 39.73 0.42 97.2327 306 CUNA MUT GRP 7,856 26,234 105.64 105.64 0.42 97.6528 26565 OHIO IND CO 7,622 10,763 85.91 87.57 0.40 98.0529 1281 BANKAMERICA CORP GRP 7,518 12,823 83.83 84.13 0.40 98.4530 34568 CENTENNIAL CAS CO 6,717 6,837 42.33 42.33 0.36 98.8031 352 HSBC GRP 3,688 4,180 96.05 96.05 0.20 99.0032 10541 AGRINATIONAL INS CO 3,500 3,500 206.53 208.67 0.19 99.1833 37621 TOYOTA MOTOR INS CO 3,034 9,228 41.85 41.85 0.16 99.3434 16047 SOUTHERN PIONEER PROP & CAS INS CO 2,402 2,498 31.82 31.84 0.13 99.4735 1316 EXCESS REINS GRP 1,963 541 71.55 71.55 0.10 99.5836 669 ZALE CORP GRP 1,452 1,452 23.84 23.84 0.08 99.6537 948 NATL GEN GRP 1,383 1,464 31.90 33.36 0.07 99.7338 4011 GENWORTH FIN GRP 1,294 1,295 -208.08 -208.08 0.07 99.7939 210 TITUS GRP 994 1,006 8.84 8.84 0.05 99.8540 38 CHUBB & SON INC GRP 959 770 58.50 59.26 0.05 99.90

**INDUSTRY TOTAL** 1,888,866 2,105,698 104.67 106.52 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 93 STATE NATL GRP 3,356 3,370 41.99 47.06 21.97 21.972 150 OLD REPUBLIC GRP 2,819 3,061 695.17 698.40 18.45 40.423 761 ALLIANZ INS GRP 1,931 2,108 63.64 63.64 12.64 53.064 19 ASSURANT INC GRP 1,730 1,635 49.04 49.04 11.32 64.385 218 CNA INS GRP 1,231 1,329 51.95 51.95 8.06 72.446 408 AMERICAN NATL FIN GRP 794 807 22.29 22.29 5.19 77.637 181 SWISS RE GRP 728 653 174.48 174.67 4.76 82.398 626 ACE LTD GRP 672 674 5.28 8.54 4.40 86.799 1279 ARCH INS GRP 573 489 32.16 32.20 3.75 90.5410 1129 WHITE MOUNTAINS GRP 397 382 53.07 53.07 2.60 93.13

**STATE TOTAL** 15,278 22,281 143.35 144.66 100.00 100.00. .

Alaska 1 19 ASSURANT INC GRP 511 511 26.08 26.09 46.26 46.262 8 ALLSTATE INS GRP 455 610 52.72 52.72 41.24 87.493 150 OLD REPUBLIC GRP 51 55 311.58 309.38 4.66 92.154 761 ALLIANZ INS GRP 33 27 36.10 36.10 2.96 95.125 31887 COFACE N AMER INS CO 19 18 35.25 35.25 1.76 96.886 34568 CENTENNIAL CAS CO 17 20 0.00 0.00 1.58 98.467 306 CUNA MUT GRP 14 36 0.00 0.00 1.23 99.69

**STATE TOTAL** 1,104 1,282 49.68 49.59 100.00 100.00. .

Arizona 1 93 STATE NATL GRP 2,833 3,219 38.94 47.35 25.55 25.552 19 ASSURANT INC GRP 2,161 2,166 44.60 44.60 19.49 45.043 697 VAN ENT GRP 1,119 2,219 98.67 98.67 10.09 55.134 84 AMERICAN FINANCIAL GRP 876 553 -5.07 -5.07 7.90 63.035 150 OLD REPUBLIC GRP 809 1,867 207.31 207.31 7.30 70.336 761 ALLIANZ INS GRP 671 973 30.05 39.80 6.05 76.387 408 AMERICAN NATL FIN GRP 668 837 49.97 49.97 6.02 82.408 8 ALLSTATE INS GRP 551 2,493 142.49 142.49 4.97 87.379 1316 EXCESS REINS GRP 471 220 62.05 62.05 4.24 91.6210 626 ACE LTD GRP 271 272 -4.77 -1.50 2.44 94.06

**STATE TOTAL** 11,088 17,165 82.81 84.92 100.00 100.00. .

Arkansas 1 1279 ARCH INS GRP 1,915 1,755 18.83 18.86 23.06 23.062 16047 SOUTHERN PIONEER PROP & CAS INS CO 1,777 1,874 36.88 36.90 21.40 44.463 19 ASSURANT INC GRP 1,443 1,443 8.70 8.70 17.38 61.844 761 ALLIANZ INS GRP 628 583 75.30 75.30 7.56 69.405 8 ALLSTATE INS GRP 570 1,013 98.69 98.69 6.86 76.266 796 QBE INS GRP 486 106 15.07 18.27 5.86 82.127 626 ACE LTD GRP 397 397 9.57 12.81 4.78 86.908 18538 BANCINSURE INC 245 245 44.74 44.74 2.95 89.859 31887 COFACE N AMER INS CO 217 138 186.47 186.78 2.62 92.4710 150 OLD REPUBLIC GRP 103 122 67.56 67.84 1.24 93.71

**STATE TOTAL** 8,305 8,502 38.24 38.47 100.00 100.00. .

California 1 761 ALLIANZ INS GRP 25,723 26,286 59.09 59.75 26.04 26.042 19 ASSURANT INC GRP 18,209 17,225 23.76 23.77 18.43 44.483 150 OLD REPUBLIC GRP 12,312 13,291 189.91 214.68 12.46 56.944 408 AMERICAN NATL FIN GRP 7,497 7,644 58.75 58.75 7.59 64.535 31887 COFACE N AMER INS CO 6,752 7,188 135.92 139.62 6.84 71.376 181 SWISS RE GRP 6,739 7,943 83.79 85.93 6.82 78.197 84 AMERICAN FINANCIAL GRP 5,113 4,848 -19.64 -19.64 5.18 83.378 626 ACE LTD GRP 3,909 3,946 3.69 7.01 3.96 87.329 8 ALLSTATE INS GRP 3,044 7,458 140.83 140.83 3.08 90.4110 34568 CENTENNIAL CAS CO 1,997 2,116 116.02 116.02 2.02 92.43

**STATE TOTAL** 98,774 107,389 84.35 88.70 100.00 100.00. .

Colorado 1 93 STATE NATL GRP 7,629 8,312 56.62 60.65 47.32 47.322 150 OLD REPUBLIC GRP 1,881 1,493 128.84 128.84 11.67 58.983 8 ALLSTATE INS GRP 1,694 2,982 91.73 91.73 10.51 69.494 19 ASSURANT INC GRP 1,503 1,509 77.02 77.02 9.32 78.815 761 ALLIANZ INS GRP 603 810 131.89 134.50 3.74 82.556 1129 WHITE MOUNTAINS GRP 555 567 59.28 59.28 3.44 85.997 12 AMERICAN INTL GRP 398 410 267.73 267.67 2.47 88.478 2538 AMTRUST FINANCIAL SERV GRP 395 481 40.02 40.02 2.45 90.92




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 1279 ARCH INS GRP 356 201 65.12 65.69 2.21 93.1310 626 ACE LTD GRP 264 265 -1.31 1.96 1.64 94.76

**STATE TOTAL** 16,123 18,222 85.08 86.98 100.00 100.00. .

Connecticut 1 181 SWISS RE GRP 4,699 4,533 82.39 82.47 19.56 19.562 761 ALLIANZ INS GRP 4,688 5,232 83.44 83.44 19.51 39.073 1129 WHITE MOUNTAINS GRP 4,075 4,073 50.58 50.58 16.96 56.034 12 AMERICAN INTL GRP 3,698 42,628 265.65 265.98 15.39 71.425 31887 COFACE N AMER INS CO 2,706 2,676 49.68 50.38 11.26 82.696 19 ASSURANT INC GRP 1,348 1,348 19.68 19.68 5.61 88.307 8 ALLSTATE INS GRP 710 1,147 93.34 93.34 2.96 91.258 984 HCC INS HOLDINGS GRP 438 261 19.51 19.51 1.82 93.089 212 ZURICH INS GRP 402 515 70.31 99.41 1.67 94.7510 84 AMERICAN FINANCIAL GRP 236 253 -4.44 -4.44 0.98 95.73

**STATE TOTAL** 24,027 63,647 200.29 200.78 100.00 100.00. .

Delaware 1 12 AMERICAN INTL GRP 21,039 29,352 718.47 720.31 80.51 80.512 4254 THE WARRANTY GRP 1,762 1,833 30.20 30.20 6.74 87.253 181 SWISS RE GRP 1,036 1,661 21.52 21.83 3.96 91.214 19 ASSURANT INC GRP 612 596 16.50 16.51 2.34 93.555 8 ALLSTATE INS GRP 422 914 83.44 83.44 1.62 95.176 93 STATE NATL GRP 308 122 9.39 10.75 1.18 96.357 1129 WHITE MOUNTAINS GRP 284 283 55.84 55.84 1.09 97.438 761 ALLIANZ INS GRP 274 236 69.59 69.59 1.05 98.489 1279 ARCH INS GRP 154 34 16.10 16.10 0.59 99.0710 626 ACE LTD GRP 121 121 3.22 6.51 0.46 99.53

**STATE TOTAL** 26,133 37,788 611.73 613.93 100.00 100.00. .

District of Columbia 1 12 AMERICAN INTL GRP 4,255 4,291 232.80 232.75 70.00 70.002 1129 WHITE MOUNTAINS GRP 907 896 66.10 66.10 14.92 84.913 19 ASSURANT INC GRP 427 427 12.22 12.23 7.02 91.934 212 ZURICH INS GRP 150 20 87.61 87.61 2.47 94.405 93 STATE NATL GRP 140 175 15.83 16.82 2.31 96.716 626 ACE LTD GRP 93 93 29.30 32.57 1.52 98.237 468 AEGON US HOLDING GRP 37 9 245.51 245.62 0.61 98.848 181 SWISS RE GRP 33 39 246.96 248.63 0.54 99.399 31887 COFACE N AMER INS CO 21 25 14.72 14.72 0.35 99.74

**STATE TOTAL** 6,079 6,010 180.27 180.32 100.00 100.00. .

Florida 1 796 QBE INS GRP 102,806 64,729 10.10 12.19 67.86 67.862 761 ALLIANZ INS GRP 11,540 12,171 115.99 116.67 7.62 75.483 19 ASSURANT INC GRP 9,517 9,048 32.33 32.33 6.28 81.764 218 CNA INS GRP 4,108 4,616 83.50 83.50 2.71 84.475 626 ACE LTD GRP 3,469 3,515 2.58 5.87 2.29 86.766 150 OLD REPUBLIC GRP 3,147 3,848 151.64 151.77 2.08 88.847 1281 BANKAMERICA CORP GRP 2,523 3,266 75.90 75.90 1.67 90.508 1129 WHITE MOUNTAINS GRP 2,231 2,194 54.29 54.29 1.47 91.989 408 AMERICAN NATL FIN GRP 2,188 4,728 42.29 42.29 1.44 93.4210 1279 ARCH INS GRP 2,171 1,235 43.19 43.21 1.43 94.85

**STATE TOTAL** 151,494 128,851 45.36 46.54 100.00 100.00. .

Georgia 1 12 AMERICAN INTL GRP 9,125 2,677 119.95 123.21 25.24 25.242 19 ASSURANT INC GRP 6,190 6,128 18.18 18.19 17.12 42.363 761 ALLIANZ INS GRP 5,153 5,518 75.33 75.33 14.25 56.614 31887 COFACE N AMER INS CO 3,032 2,722 355.58 357.61 8.39 65.005 408 AMERICAN NATL FIN GRP 3,015 3,275 32.09 32.09 8.34 73.346 181 SWISS RE GRP 2,154 2,391 83.38 85.68 5.96 79.307 626 ACE LTD GRP 1,460 1,464 8.74 12.00 4.04 83.348 1129 WHITE MOUNTAINS GRP 1,195 1,172 54.55 54.55 3.31 86.649 150 OLD REPUBLIC GRP 837 1,456 233.86 233.75 2.32 88.9610 1279 ARCH INS GRP 717 483 35.43 35.48 1.98 90.94

**STATE TOTAL** 36,153 28,224 121.85 122.77 100.00 100.00. .

Hawaii 1 1129 WHITE MOUNTAINS GRP 2,005 1,814 53.95 53.95 48.41 48.412 19 ASSURANT INC GRP 1,239 1,241 11.69 11.69 29.93 78.34




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


3 796 QBE INS GRP 246 153 3.16 3.83 5.95 84.294 8 ALLSTATE INS GRP 213 625 68.81 68.81 5.13 89.425 626 ACE LTD GRP 162 162 -4.24 -0.94 3.90 93.336 2538 AMTRUST FINANCIAL SERV GRP 85 133 10.83 10.83 2.06 95.397 306 CUNA MUT GRP 84 316 56.52 56.52 2.04 97.438 352 HSBC GRP 82 108 22.31 22.31 1.98 99.419 150 OLD REPUBLIC GRP 14 34 73.89 73.89 0.34 99.75

**STATE TOTAL** 4,140 4,603 38.92 39.06 100.00 100.00. .

Idaho 1 31887 COFACE N AMER INS CO 1,006 432 35.25 35.25 28.43 28.432 19 ASSURANT INC GRP 862 851 25.85 25.89 24.38 52.823 150 OLD REPUBLIC GRP 315 333 71.48 71.48 8.92 61.734 218 CNA INS GRP 259 341 9.57 9.57 7.33 69.065 8 ALLSTATE INS GRP 206 328 44.69 44.69 5.81 74.886 761 ALLIANZ INS GRP 189 165 98.08 98.08 5.34 80.217 408 AMERICAN NATL FIN GRP 152 146 24.87 24.87 4.31 84.528 306 CUNA MUT GRP 108 490 99.25 99.25 3.04 87.569 626 ACE LTD GRP 89 89 0.20 3.46 2.51 90.0710 352 HSBC GRP 82 88 128.03 128.03 2.32 92.40

**STATE TOTAL** 3,537 3,567 46.67 46.75 100.00 100.00. .

Illinois 1 761 ALLIANZ INS GRP 11,669 12,644 47.92 48.87 17.06 17.062 19 ASSURANT INC GRP 9,189 9,595 36.35 36.67 13.44 30.503 181 SWISS RE GRP 8,649 11,384 36.14 35.85 12.65 43.154 12 AMERICAN INTL GRP 7,542 18,957 347.39 352.12 11.03 54.185 31887 COFACE N AMER INS CO 5,918 7,047 129.65 131.04 8.65 62.836 796 QBE INS GRP 5,828 4,071 49.38 48.33 8.52 71.357 84 AMERICAN FINANCIAL GRP 3,329 3,415 23.13 23.13 4.87 76.228 93 STATE NATL GRP 2,700 2,805 47.90 54.47 3.95 80.179 408 AMERICAN NATL FIN GRP 2,597 2,435 19.85 19.85 3.80 83.9710 212 ZURICH INS GRP 2,496 2,495 350.46 352.45 3.65 87.62

**STATE TOTAL** 68,385 86,635 126.95 128.51 100.00 100.00. .

Indiana 1 181 SWISS RE GRP 8,209 9,399 25.57 26.09 34.32 34.322 19 ASSURANT INC GRP 4,819 4,888 23.80 23.92 20.15 54.463 761 ALLIANZ INS GRP 1,616 1,724 43.34 43.34 6.76 61.224 8 ALLSTATE INS GRP 1,427 2,886 87.06 87.06 5.97 67.195 93 STATE NATL GRP 1,288 964 32.82 37.38 5.38 72.576 12 AMERICAN INTL GRP 895 975 523.15 523.38 3.74 76.317 31887 COFACE N AMER INS CO 892 1,041 186.98 189.50 3.73 80.048 150 OLD REPUBLIC GRP 809 843 83.25 82.28 3.38 83.429 796 QBE INS GRP 611 482 8.89 10.78 2.55 85.9810 352 HSBC GRP 497 497 82.05 82.05 2.08 88.05

**STATE TOTAL** 23,920 27,244 60.37 60.88 100.00 100.00. .

Iowa 1 150 OLD REPUBLIC GRP 2,257 2,162 8.53 10.81 23.03 23.032 19 ASSURANT INC GRP 2,156 2,157 46.01 46.01 22.00 45.033 93 STATE NATL GRP 1,543 1,315 36.90 43.29 15.74 60.764 761 ALLIANZ INS GRP 602 718 66.50 66.50 6.14 66.905 8 ALLSTATE INS GRP 542 1,096 89.52 89.52 5.53 72.436 408 AMERICAN NATL FIN GRP 508 512 8.67 8.67 5.18 77.607 181 SWISS RE GRP 445 466 63.54 69.18 4.54 82.148 1279 ARCH INS GRP 410 304 23.80 23.81 4.19 86.339 212 ZURICH INS GRP 350 155 86.74 86.74 3.57 89.9010 2538 AMTRUST FINANCIAL SERV GRP 211 222 -5.60 -5.60 2.15 92.05

**STATE TOTAL** 9,802 10,336 38.77 40.35 100.00 100.00. .

Kansas 1 19 ASSURANT INC GRP 1,409 1,409 17.24 17.24 15.99 15.992 761 ALLIANZ INS GRP 1,127 1,411 52.56 52.56 12.78 28.773 408 AMERICAN NATL FIN GRP 1,073 1,062 49.01 49.01 12.17 40.944 8 ALLSTATE INS GRP 857 1,443 89.07 89.07 9.72 50.665 1279 ARCH INS GRP 807 677 38.57 38.63 9.16 59.816 984 HCC INS HOLDINGS GRP 709 645 57.51 57.51 8.05 67.867 150 OLD REPUBLIC GRP 647 659 61.09 57.84 7.34 75.208 93 STATE NATL GRP 581 34 71.48 79.43 6.59 81.78




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 12 AMERICAN INTL GRP 442 876 289.22 289.36 5.01 86.7910 181 SWISS RE GRP 300 560 -61.55 -62.84 3.40 90.20

**STATE TOTAL** 8,816 9,657 63.48 63.26 100.00 100.00. .

Kentucky 1 19 ASSURANT INC GRP 3,042 2,750 26.40 26.68 21.64 21.642 1279 ARCH INS GRP 2,293 2,062 35.41 35.43 16.32 37.963 26565 OHIO IND CO 1,221 900 91.44 96.59 8.69 46.654 796 QBE INS GRP 1,065 607 14.95 18.01 7.58 54.225 1281 BANKAMERICA CORP GRP 1,055 1,229 65.81 66.73 7.51 61.736 761 ALLIANZ INS GRP 1,027 694 49.99 49.99 7.31 69.047 408 AMERICAN NATL FIN GRP 808 869 19.00 19.00 5.75 74.798 37621 TOYOTA MOTOR INS CO 521 672 148.11 148.11 3.71 78.499 93 STATE NATL GRP 520 202 17.45 19.43 3.70 82.2010 8 ALLSTATE INS GRP 452 1,472 113.32 113.32 3.21 85.41

**STATE TOTAL** 14,053 14,134 47.15 48.07 100.00 100.00. .

Louisiana 1 408 AMERICAN NATL FIN GRP 9,707 9,097 13.52 13.52 31.58 31.582 796 QBE INS GRP 5,538 3,569 11.97 14.35 18.02 49.603 641 FIRST TOWER GRP 5,328 4,631 8.66 8.66 17.33 66.934 19 ASSURANT INC GRP 3,444 3,467 14.55 14.56 11.21 78.145 761 ALLIANZ INS GRP 1,340 1,194 81.66 81.66 4.36 82.506 626 ACE LTD GRP 855 862 -57.19 -52.34 2.78 85.287 93 STATE NATL GRP 836 688 53.32 58.92 2.72 88.008 8 ALLSTATE INS GRP 651 1,413 127.60 127.60 2.12 90.119 1129 WHITE MOUNTAINS GRP 450 419 32.60 32.60 1.46 91.5810 18538 BANCINSURE INC 431 440 42.48 42.48 1.40 92.98

**STATE TOTAL** 30,737 28,267 26.54 27.26 100.00 100.00. .

Maine 1 1279 ARCH INS GRP 3,128 2,283 84.60 84.76 54.88 54.882 19 ASSURANT INC GRP 519 518 65.84 65.85 9.10 63.973 1129 WHITE MOUNTAINS GRP 424 328 63.15 63.15 7.44 71.414 8 ALLSTATE INS GRP 387 616 62.09 62.09 6.79 78.205 31887 COFACE N AMER INS CO 218 82 54.55 54.55 3.82 82.026 761 ALLIANZ INS GRP 200 263 15.02 15.02 3.50 85.537 18538 BANCINSURE INC 170 170 50.99 50.99 2.98 88.518 796 QBE INS GRP 147 90 35.09 42.54 2.57 91.089 218 CNA INS GRP 100 211 -431.69 -431.69 1.75 92.8410 150 OLD REPUBLIC GRP 89 160 141.46 141.46 1.55 94.39

**STATE TOTAL** 5,701 5,133 50.06 50.28 100.00 100.00. .

Maryland 1 761 ALLIANZ INS GRP 2,220 2,322 88.28 88.28 17.78 17.782 1129 WHITE MOUNTAINS GRP 1,968 1,955 60.94 60.94 15.76 33.533 150 OLD REPUBLIC GRP 1,968 2,068 130.53 130.74 15.76 49.294 93 STATE NATL GRP 1,793 1,342 68.75 80.63 14.36 63.655 12 AMERICAN INTL GRP 1,640 1,651 175.76 175.87 13.13 76.776 19 ASSURANT INC GRP 1,261 1,118 54.99 55.05 10.10 86.877 626 ACE LTD GRP 852 858 6.62 9.89 6.82 93.698 796 QBE INS GRP 603 367 34.48 41.80 4.83 98.52

**STATE TOTAL** 12,489 14,002 112.92 114.59 100.00 100.00. .

Massachusetts 1 1129 WHITE MOUNTAINS GRP 6,938 6,821 47.55 47.55 26.95 26.952 761 ALLIANZ INS GRP 4,467 4,380 43.73 43.73 17.35 44.303 31887 COFACE N AMER INS CO 3,170 3,304 88.79 90.28 12.31 56.614 796 QBE INS GRP 1,868 860 -0.25 -3.47 7.26 63.875 93 STATE NATL GRP 1,561 3,246 73.27 84.66 6.06 69.936 84 AMERICAN FINANCIAL GRP 1,335 1,662 75.39 75.39 5.18 75.127 8 ALLSTATE INS GRP 1,331 2,590 88.19 88.19 5.17 80.298 19 ASSURANT INC GRP 1,206 1,227 67.45 67.45 4.69 84.979 181 SWISS RE GRP 1,041 1,956 27.02 27.67 4.04 89.0110 1281 BANKAMERICA CORP GRP 704 1,083 65.79 67.12 2.73 91.75

**STATE TOTAL** 25,744 29,499 78.90 81.26 100.00 100.00. .

Michigan 1 79 GMAC INS HOLDING GRP 10,626 7,860 2.40 2.40 19.46 19.462 19 ASSURANT INC GRP 6,962 7,441 61.18 61.42 12.75 32.203 458 PROTECTIVE LIFE INS GRP 6,434 12,967 20.69 20.69 11.78 43.99




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


4 1279 ARCH INS GRP 4,103 1,040 12.07 12.07 7.51 51.505 761 ALLIANZ INS GRP 3,866 4,870 114.25 114.25 7.08 58.586 468 AEGON US HOLDING GRP 3,493 10,739 17.04 17.04 6.40 64.977 4254 THE WARRANTY GRP 2,958 3,704 11.10 11.10 5.42 70.398 697 VAN ENT GRP 2,741 843 11.22 11.22 5.02 75.419 2538 AMTRUST FINANCIAL SERV GRP 2,702 1,406 41.79 41.79 4.95 80.3610 26565 OHIO IND CO 1,653 2,769 24.57 25.12 3.03 83.38

**STATE TOTAL** 54,614 65,221 39.75 39.96 100.00 100.00. .

Minnesota 1 150 OLD REPUBLIC GRP 12,304 12,372 109.49 117.28 40.90 40.902 12 AMERICAN INTL GRP 9,525 9,585 765.95 767.34 31.66 72.563 761 ALLIANZ INS GRP 1,888 2,165 37.81 37.81 6.28 78.844 93 STATE NATL GRP 1,514 1,543 28.44 32.01 5.03 83.875 8 ALLSTATE INS GRP 721 1,680 88.76 88.76 2.40 86.276 31887 COFACE N AMER INS CO 694 658 115.60 137.47 2.31 88.587 212 ZURICH INS GRP 583 3,459 3414.13 3444.20 1.94 90.528 181 SWISS RE GRP 521 618 -278.79 -284.58 1.73 92.259 84 AMERICAN FINANCIAL GRP 406 610 32.53 32.53 1.35 93.6010 1129 WHITE MOUNTAINS GRP 319 320 28.74 28.74 1.06 94.65

**STATE TOTAL** 30,084 35,341 650.30 656.81 100.00 100.00. .

Mississippi 1 641 FIRST TOWER GRP 7,062 6,422 10.99 10.99 40.54 40.542 408 AMERICAN NATL FIN GRP 4,856 4,639 23.85 23.85 27.87 68.413 19 ASSURANT INC GRP 1,354 1,354 11.53 11.54 7.77 76.184 18538 BANCINSURE INC 804 844 56.02 56.02 4.62 80.805 16047 SOUTHERN PIONEER PROP & CAS INS CO 624 624 16.64 16.64 3.58 84.386 948 NATL GEN GRP 613 676 38.43 40.21 3.52 87.907 761 ALLIANZ INS GRP 462 537 37.90 37.90 2.65 90.558 626 ACE LTD GRP 383 384 -52.06 -47.58 2.20 92.759 31887 COFACE N AMER INS CO 319 94 35.25 35.25 1.83 94.5810 8 ALLSTATE INS GRP 210 971 165.26 165.26 1.21 95.79

**STATE TOTAL** 17,422 17,480 25.66 25.88 100.00 100.00. .

Missouri 1 150 OLD REPUBLIC GRP 17,848 18,076 247.54 262.96 50.02 50.022 93 STATE NATL GRP 5,429 5,807 49.97 58.70 15.22 65.243 19 ASSURANT INC GRP 1,961 1,998 56.16 56.31 5.50 70.744 761 ALLIANZ INS GRP 1,582 1,636 85.42 85.42 4.43 75.175 181 SWISS RE GRP 1,099 1,262 -14.17 -14.14 3.08 78.256 8 ALLSTATE INS GRP 1,094 2,531 105.35 105.35 3.07 81.327 31887 COFACE N AMER INS CO 1,047 533 132.47 132.47 2.94 84.258 408 AMERICAN NATL FIN GRP 796 778 27.01 27.01 2.23 86.489 641 FIRST TOWER GRP 610 303 14.00 14.00 1.71 88.1910 697 VAN ENT GRP 493 559 89.32 89.32 1.38 89.57

**STATE TOTAL** 35,679 37,457 149.58 158.48 100.00 100.00. .

Montana 1 19 ASSURANT INC GRP 718 715 15.41 15.43 44.09 44.092 4254 THE WARRANTY GRP 318 760 20.37 20.37 19.50 63.583 408 AMERICAN NATL FIN GRP 108 94 3.59 3.59 6.60 70.184 8 ALLSTATE INS GRP 95 248 60.61 60.61 5.84 76.025 2538 AMTRUST FINANCIAL SERV GRP 85 112 24.69 24.69 5.20 81.226 12 AMERICAN INTL GRP 61 68 396.38 396.41 3.74 84.967 458 PROTECTIVE LIFE INS GRP 61 75 14.67 14.67 3.72 88.688 150 OLD REPUBLIC GRP 50 41 8.87 8.87 3.04 91.729 626 ACE LTD GRP 47 48 -4.22 -0.94 2.91 94.6410 34568 CENTENNIAL CAS CO 26 21 0.00 0.00 1.62 96.26

**STATE TOTAL** 1,629 2,311 44.45 44.57 100.00 100.00. .

Nebraska 1 4254 THE WARRANTY GRP 1,993 2,186 14.74 14.74 25.14 25.142 84 AMERICAN FINANCIAL GRP 1,536 1,311 231.11 231.11 19.37 44.523 19 ASSURANT INC GRP 1,101 1,042 13.93 13.93 13.88 58.404 8 ALLSTATE INS GRP 548 464 59.57 59.57 6.92 65.325 458 PROTECTIVE LIFE INS GRP 496 989 27.79 27.79 6.26 71.586 761 ALLIANZ INS GRP 442 463 -12.24 -12.24 5.58 77.167 408 AMERICAN NATL FIN GRP 327 349 29.98 29.98 4.12 81.288 181 SWISS RE GRP 253 355 1221.35 1243.57 3.19 84.46




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 697 VAN ENT GRP 251 305 8.83 8.83 3.17 87.6310 2538 AMTRUST FINANCIAL SERV GRP 209 230 -54.19 -54.19 2.64 90.27

**STATE TOTAL** 7,928 8,749 100.17 101.09 100.00 100.00. .

Nevada 1 37621 TOYOTA MOTOR INS CO 1,675 4,353 39.94 39.94 30.43 30.432 150 OLD REPUBLIC GRP 1,126 2,286 46.12 46.09 20.46 50.883 84 AMERICAN FINANCIAL GRP 733 469 11.36 11.36 13.32 64.204 79 GMAC INS HOLDING GRP 701 415 31.28 31.28 12.73 76.945 19 ASSURANT INC GRP 408 219 11.37 11.39 7.40 84.346 761 ALLIANZ INS GRP 395 300 34.58 34.58 7.18 91.527 93 STATE NATL GRP 342 2,075 131.54 148.91 6.21 97.73

**STATE TOTAL** 5,506 18,330 54.62 56.62 100.00 100.00. .

New Hampshire 1 1129 WHITE MOUNTAINS GRP 1,747 1,783 58.12 58.12 30.81 30.812 19 ASSURANT INC GRP 736 770 43.23 43.59 12.99 43.803 761 ALLIANZ INS GRP 605 638 78.74 78.74 10.67 54.474 218 CNA INS GRP 592 613 30.07 30.07 10.44 64.905 93 STATE NATL GRP 409 350 29.09 35.16 7.22 72.126 8 ALLSTATE INS GRP 376 1,010 55.07 55.07 6.63 78.757 408 AMERICAN NATL FIN GRP 340 196 4.11 4.11 5.99 84.758 150 OLD REPUBLIC GRP 279 153 90.71 90.94 4.92 89.679 1279 ARCH INS GRP 241 50 25.00 25.01 4.24 93.9110 181 SWISS RE GRP 116 157 58.70 57.59 2.05 95.97

**STATE TOTAL** 5,670 6,003 50.39 50.78 100.00 100.00. .

New Jersey 1 12 AMERICAN INTL GRP 37,603 37,606 149.39 149.12 42.42 42.422 761 ALLIANZ INS GRP 12,544 12,174 93.36 93.60 14.15 56.583 31887 COFACE N AMER INS CO 9,725 10,575 133.97 137.45 10.97 67.554 796 QBE INS GRP 5,502 2,683 -24.82 -30.08 6.21 73.765 19 ASSURANT INC GRP 4,936 4,971 25.94 26.11 5.57 79.326 93 STATE NATL GRP 3,287 1,522 13.37 15.53 3.71 83.037 181 SWISS RE GRP 2,461 4,760 5.56 8.16 2.78 85.818 1129 WHITE MOUNTAINS GRP 2,216 2,182 58.10 58.10 2.50 88.319 26565 OHIO IND CO 1,947 2,000 133.13 133.05 2.20 90.5110 8 ALLSTATE INS GRP 1,937 4,050 98.67 98.67 2.19 92.69

**STATE TOTAL** 88,638 89,406 104.89 104.55 100.00 100.00. .

New Mexico 1 19 ASSURANT INC GRP 1,650 1,649 11.44 11.44 47.81 47.812 150 OLD REPUBLIC GRP 364 290 196.72 196.72 10.54 58.353 8 ALLSTATE INS GRP 333 1,111 114.52 114.52 9.64 68.004 1129 WHITE MOUNTAINS GRP 314 296 65.02 65.02 9.10 77.105 408 AMERICAN NATL FIN GRP 281 713 24.43 24.43 8.15 85.256 93 STATE NATL GRP 202 48 85.30 95.98 5.84 91.097 626 ACE LTD GRP 105 105 -3.87 -0.63 3.04 94.148 796 QBE INS GRP 61 38 74.45 79.57 1.76 95.909 697 VAN ENT GRP 55 172 93.96 93.96 1.60 97.5010 669 ZALE CORP GRP 51 51 19.65 19.65 1.49 98.99

**STATE TOTAL** 3,451 4,681 57.52 57.74 100.00 100.00. .

New York 1 150 OLD REPUBLIC GRP 39,359 39,359 73.33 98.23 35.88 35.882 761 ALLIANZ INS GRP 17,767 18,352 130.92 131.18 16.20 52.083 31887 COFACE N AMER INS CO 14,619 16,154 90.04 92.08 13.33 65.414 212 ZURICH INS GRP 11,344 7,219 359.81 366.02 10.34 75.755 1129 WHITE MOUNTAINS GRP 6,110 5,596 92.13 92.13 5.57 81.326 181 SWISS RE GRP 4,424 6,602 65.10 66.52 4.03 85.367 12 AMERICAN INTL GRP 3,059 3,062 44.32 44.73 2.79 88.158 19 ASSURANT INC GRP 2,685 3,021 133.49 133.49 2.45 90.599 93 STATE NATL GRP 2,679 1,094 51.44 66.37 2.44 93.0410 796 QBE INS GRP 2,047 2,274 764.06 755.71 1.87 94.90

**STATE TOTAL** 109,683 107,763 117.55 127.55 100.00 100.00. .

North Carolina 1 12 AMERICAN INTL GRP 26,777 26,848 497.22 497.98 37.09 37.092 150 OLD REPUBLIC GRP 12,321 12,041 254.28 271.66 17.06 54.153 19 ASSURANT INC GRP 6,693 5,580 53.92 53.94 9.27 63.424 1279 ARCH INS GRP 5,107 4,913 36.10 36.27 7.07 70.49




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 761 ALLIANZ INS GRP 4,844 5,322 75.35 75.35 6.71 77.206 306 CUNA MUT GRP 4,126 17,732 126.35 126.35 5.72 82.927 1129 WHITE MOUNTAINS GRP 1,926 1,796 56.96 56.96 2.67 85.598 8 ALLSTATE INS GRP 1,893 6,393 99.87 99.87 2.62 88.219 31887 COFACE N AMER INS CO 1,584 1,358 135.89 138.76 2.19 90.4010 2538 AMTRUST FINANCIAL SERV GRP 1,541 1,731 26.09 26.09 2.13 92.54

**STATE TOTAL** 72,202 89,830 226.08 228.79 100.00 100.00. .

North Dakota 1 761 ALLIANZ INS GRP 590 546 35.90 36.41 50.54 50.542 19 ASSURANT INC GRP 190 190 -1.10 -1.10 16.26 66.803 8 ALLSTATE INS GRP 163 261 65.39 65.39 13.93 80.734 408 AMERICAN NATL FIN GRP 138 197 23.52 23.52 11.78 92.515 18538 BANCINSURE INC 36 36 44.89 44.89 3.07 95.586 150 OLD REPUBLIC GRP 23 15 3.29 3.29 1.97 97.557 626 ACE LTD GRP 23 23 28.14 31.40 1.94 99.49

**STATE TOTAL** 1,168 1,310 33.91 34.18 100.00 100.00. .

Ohio 1 19 ASSURANT INC GRP 7,841 7,885 23.41 23.45 18.47 18.472 12 AMERICAN INTL GRP 7,512 7,565 354.91 355.46 17.69 36.163 150 OLD REPUBLIC GRP 6,061 6,176 238.16 254.99 14.27 50.444 761 ALLIANZ INS GRP 5,480 6,310 75.37 78.24 12.91 63.345 31887 COFACE N AMER INS CO 3,774 3,647 168.27 171.84 8.89 72.236 1279 ARCH INS GRP 2,553 1,747 35.78 35.80 6.01 78.257 26565 OHIO IND CO 2,004 3,655 91.61 94.02 4.72 82.978 8 ALLSTATE INS GRP 1,966 4,888 74.13 74.13 4.63 87.609 796 QBE INS GRP 1,491 1,293 -54.26 -67.29 3.51 91.1110 1129 WHITE MOUNTAINS GRP 1,002 992 35.89 35.89 2.36 93.47

**STATE TOTAL** 42,458 47,371 127.88 130.64 100.00 100.00. .

Oklahoma 1 408 AMERICAN NATL FIN GRP 4,756 4,896 46.78 46.78 31.31 31.312 19 ASSURANT INC GRP 2,122 2,085 8.16 8.19 13.97 45.283 18538 BANCINSURE INC 1,842 1,844 55.90 55.90 12.12 57.404 8 ALLSTATE INS GRP 1,117 2,226 117.91 117.91 7.35 64.765 181 SWISS RE GRP 804 714 -152.82 -154.05 5.29 70.056 761 ALLIANZ INS GRP 713 673 50.45 50.45 4.69 74.747 1279 ARCH INS GRP 640 324 55.16 55.18 4.21 78.968 31887 COFACE N AMER INS CO 531 142 35.25 35.25 3.50 82.459 12 AMERICAN INTL GRP 418 527 151.08 151.13 2.75 85.2110 150 OLD REPUBLIC GRP 377 401 184.20 184.23 2.48 87.69

**STATE TOTAL** 15,190 16,860 48.11 48.06 100.00 100.00. .

Oregon 1 93 STATE NATL GRP 4,486 4,856 56.17 64.55 23.94 23.942 408 AMERICAN NATL FIN GRP 4,011 7,772 23.53 23.53 21.41 45.363 19 ASSURANT INC GRP 3,202 3,160 68.90 69.26 17.09 62.454 761 ALLIANZ INS GRP 2,050 2,165 67.97 67.97 10.94 73.395 4254 THE WARRANTY GRP 1,217 599 28.71 28.71 6.50 79.896 1279 ARCH INS GRP 824 863 32.48 32.52 4.40 84.287 31887 COFACE N AMER INS CO 618 708 125.28 125.30 3.30 87.588 796 QBE INS GRP 356 252 179.80 170.37 1.90 89.489 8 ALLSTATE INS GRP 319 514 14.25 14.25 1.70 91.1810 84 AMERICAN FINANCIAL GRP 295 295 -8.60 -8.60 1.58 92.76

**STATE TOTAL** 18,733 22,637 48.25 50.02 100.00 100.00. .

Pennsylvania 1 761 ALLIANZ INS GRP 12,080 10,983 80.27 80.36 21.96 21.962 12 AMERICAN INTL GRP 8,849 8,900 -52.11 -53.23 16.09 38.043 19 ASSURANT INC GRP 6,561 6,706 38.54 38.54 11.93 49.974 93 STATE NATL GRP 5,735 4,865 37.68 43.24 10.43 60.405 84 AMERICAN FINANCIAL GRP 3,684 4,547 29.53 29.53 6.70 67.106 31887 COFACE N AMER INS CO 3,411 4,152 83.67 86.68 6.20 73.307 796 QBE INS GRP 2,818 2,330 3.06 3.71 5.12 78.428 1129 WHITE MOUNTAINS GRP 2,310 2,108 54.46 54.46 4.20 82.629 8 ALLSTATE INS GRP 1,594 3,376 76.55 76.55 2.90 85.5110 984 HCC INS HOLDINGS GRP 1,581 2,009 -15.42 -15.42 2.87 88.39

**STATE TOTAL** 55,009 55,777 34.55 35.15 100.00 100.00. .




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Rhode Island 1 1129 WHITE MOUNTAINS GRP 899 888 74.49 74.49 20.26 20.262 31887 COFACE N AMER INS CO 878 1,322 67.84 70.62 19.78 40.043 761 ALLIANZ INS GRP 855 1,057 143.70 143.95 19.26 59.304 19 ASSURANT INC GRP 584 584 35.72 35.73 13.15 72.455 26565 OHIO IND CO 378 400 104.14 106.95 8.52 80.976 18538 BANCINSURE INC 366 366 94.65 94.65 8.24 89.207 8 ALLSTATE INS GRP 97 227 123.27 123.27 2.19 91.398 468 AEGON US HOLDING GRP 96 23 3.50 3.48 2.17 93.569 84 AMERICAN FINANCIAL GRP 88 74 -53.35 -53.35 1.99 95.5510 150 OLD REPUBLIC GRP 69 100 210.17 209.34 1.56 97.11

**STATE TOTAL** 4,439 5,244 80.80 81.79 100.00 100.00. .

South Carolina 1 12 AMERICAN INTL GRP 13,212 13,214 -126.47 -126.74 36.13 36.132 19 ASSURANT INC GRP 7,846 7,675 40.48 40.48 21.46 57.583 408 AMERICAN NATL FIN GRP 6,762 6,644 36.98 36.98 18.49 76.084 93 STATE NATL GRP 1,401 1,200 35.76 39.26 3.83 79.915 761 ALLIANZ INS GRP 1,000 977 129.44 129.44 2.73 82.646 31887 COFACE N AMER INS CO 965 1,030 92.46 93.71 2.64 85.287 1279 ARCH INS GRP 855 703 80.82 80.97 2.34 87.628 626 ACE LTD GRP 698 702 -0.88 2.40 1.91 89.539 1129 WHITE MOUNTAINS GRP 689 681 72.29 72.29 1.88 91.4110 150 OLD REPUBLIC GRP 675 781 161.98 162.29 1.85 93.26

**STATE TOTAL** 36,568 38,222 -8.25 -8.07 100.00 100.00. .

South Dakota 1 19 ASSURANT INC GRP 503 503 13.98 13.98 43.10 43.102 93 STATE NATL GRP 307 310 40.56 45.21 26.26 69.363 468 AEGON US HOLDING GRP 210 74 152.53 152.59 17.95 87.314 8 ALLSTATE INS GRP 59 213 84.43 84.43 5.09 92.405 2538 AMTRUST FINANCIAL SERV GRP 35 44 28.91 28.91 2.96 95.366 626 ACE LTD GRP 23 23 11.33 14.52 1.99 97.347 18538 BANCINSURE INC 20 20 2.56 2.56 1.72 99.06

**STATE TOTAL** 1,168 1,534 355.38 371.85 100.00 100.00. .

Tennessee 1 1279 ARCH INS GRP 6,687 6,249 22.11 22.14 18.97 18.972 19 ASSURANT INC GRP 5,650 5,139 38.42 38.85 16.03 35.003 150 OLD REPUBLIC GRP 4,714 6,505 94.33 95.27 13.37 48.374 31887 COFACE N AMER INS CO 4,442 5,023 51.34 51.96 12.60 60.985 761 ALLIANZ INS GRP 3,281 3,365 41.40 41.40 9.31 70.286 93 STATE NATL GRP 2,716 2,515 53.41 61.13 7.71 77.997 1129 WHITE MOUNTAINS GRP 2,268 2,211 60.56 60.56 6.43 84.428 408 AMERICAN NATL FIN GRP 2,001 1,897 22.09 22.09 5.68 90.109 626 ACE LTD GRP 720 726 4.39 7.67 2.04 92.1410 181 SWISS RE GRP 589 588 83.56 84.81 1.67 93.81

**STATE TOTAL** 35,248 47,762 44.13 44.82 100.00 100.00. .

Texas 1 408 AMERICAN NATL FIN GRP 73,562 68,385 39.19 39.19 26.32 26.322 12 AMERICAN INTL GRP 44,762 46,385 194.64 194.67 16.02 42.343 681 SERVICE LIFE GRP 28,970 38,150 34.88 34.88 10.37 52.714 468 AEGON US HOLDING GRP 19,399 52,914 30.37 30.37 6.94 59.655 796 QBE INS GRP 16,122 11,800 23.73 23.25 5.77 65.426 761 ALLIANZ INS GRP 13,887 14,698 76.66 76.66 4.97 70.397 458 PROTECTIVE LIFE INS GRP 11,674 26,881 33.58 33.58 4.18 74.578 19 ASSURANT INC GRP 10,625 10,120 38.68 38.68 3.80 78.379 8 ALLSTATE INS GRP 10,375 7,533 43.42 43.42 3.71 82.0810 697 VAN ENT GRP 9,961 12,100 35.30 35.30 3.56 85.65

**STATE TOTAL** 279,444 335,680 66.10 66.59 100.00 100.00. .

Utah 1 19 ASSURANT INC GRP 1,227 1,227 20.43 20.45 21.76 21.762 8 ALLSTATE INS GRP 1,085 822 66.38 66.38 19.25 41.003 626 ACE LTD GRP 1,042 1,042 55.70 62.25 18.48 59.484 408 AMERICAN NATL FIN GRP 701 723 28.63 28.63 12.43 71.915 761 ALLIANZ INS GRP 355 375 106.37 111.85 6.29 78.206 1129 WHITE MOUNTAINS GRP 208 216 80.45 80.45 3.69 81.897 93 STATE NATL GRP 201 303 65.46 77.58 3.56 85.458 37621 TOYOTA MOTOR INS CO 199 248 30.50 30.50 3.53 88.97




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


9 1279 ARCH INS GRP 170 52 36.66 36.67 3.01 91.9910 181 SWISS RE GRP 122 118 22.65 23.13 2.16 94.14

**STATE TOTAL** 5,639 5,688 50.11 52.33 100.00 100.00. .

Vermont 1 10541 AGRINATIONAL INS CO 3,500 3,500 206.53 208.67 60.74 60.742 93 STATE NATL GRP 735 602 37.53 42.02 12.76 73.513 1129 WHITE MOUNTAINS GRP 680 671 60.43 60.43 11.80 85.314 31887 COFACE N AMER INS CO 207 219 87.71 87.71 3.59 88.905 8 ALLSTATE INS GRP 193 324 70.04 70.04 3.35 92.256 19 ASSURANT INC GRP 151 151 22.31 22.31 2.63 94.887 150 OLD REPUBLIC GRP 124 75 119.87 119.87 2.14 97.028 761 ALLIANZ INS GRP 99 200 8.95 8.95 1.72 98.749 1279 ARCH INS GRP 37 7 60.56 60.77 0.64 99.3810 34568 CENTENNIAL CAS CO 23 26 56.36 56.36 0.40 99.78

**STATE TOTAL** 5,762 5,808 145.32 147.08 100.00 100.00. .

Virginia 1 12 AMERICAN INTL GRP 49,503 53,004 234.41 234.24 64.83 64.832 150 OLD REPUBLIC GRP 12,077 11,886 38.90 49.11 15.82 80.643 761 ALLIANZ INS GRP 4,030 3,556 74.78 74.78 5.28 85.924 1129 WHITE MOUNTAINS GRP 2,755 2,679 58.83 58.83 3.61 89.535 1279 ARCH INS GRP 1,789 2,134 27.35 27.48 2.34 91.876 19 ASSURANT INC GRP 1,429 1,430 82.39 82.42 1.87 93.757 468 AEGON US HOLDING GRP 836 399 119.63 119.63 1.09 94.848 626 ACE LTD GRP 737 744 3.09 6.35 0.97 95.819 218 CNA INS GRP 691 747 21.53 21.53 0.90 96.7110 93 STATE NATL GRP 494 480 32.27 35.76 0.65 97.36

**STATE TOTAL** 76,359 81,631 171.24 172.65 100.00 100.00. .

Washington 1 19 ASSURANT INC GRP 4,227 4,089 32.08 32.11 22.29 22.292 93 STATE NATL GRP 3,561 3,488 47.88 55.21 18.78 41.073 761 ALLIANZ INS GRP 2,582 2,795 76.70 76.70 13.61 54.684 8 ALLSTATE INS GRP 1,718 2,875 79.80 79.80 9.06 63.745 150 OLD REPUBLIC GRP 1,649 1,638 83.04 81.12 8.70 72.446 1279 ARCH INS GRP 787 472 18.57 18.59 4.15 76.597 626 ACE LTD GRP 636 638 2.98 6.27 3.35 79.948 796 QBE INS GRP 591 315 -17.75 -21.52 3.11 83.059 408 AMERICAN NATL FIN GRP 581 599 40.36 40.36 3.07 86.1210 306 CUNA MUT GRP 578 1,372 101.47 101.47 3.05 89.17

**STATE TOTAL** 18,964 22,555 59.40 60.45 100.00 100.00. .

West Virginia 1 19 ASSURANT INC GRP 1,402 1,388 14.14 14.14 39.08 39.082 8 ALLSTATE INS GRP 426 794 106.10 106.10 11.87 50.953 761 ALLIANZ INS GRP 348 345 31.69 31.69 9.70 60.654 93 STATE NATL GRP 297 326 46.20 51.12 8.28 68.935 1279 ARCH INS GRP 279 235 20.14 20.19 7.77 76.706 31887 COFACE N AMER INS CO 216 134 33.53 33.53 6.03 82.737 150 OLD REPUBLIC GRP 165 176 140.95 140.95 4.60 87.348 18538 BANCINSURE INC 91 91 26.43 26.43 2.54 89.889 2538 AMTRUST FINANCIAL SERV GRP 78 91 31.25 31.25 2.18 92.0610 626 ACE LTD GRP 71 72 -22.84 -19.57 1.99 94.04

**STATE TOTAL** 3,588 3,917 41.12 41.60 100.00 100.00. .

Wisconsin 1 150 OLD REPUBLIC GRP 5,413 5,543 225.77 229.11 28.35 28.352 19 ASSURANT INC GRP 4,392 4,292 40.14 40.19 23.00 51.353 761 ALLIANZ INS GRP 1,804 3,087 29.77 29.86 9.45 60.804 4254 THE WARRANTY GRP 1,723 1,839 27.75 27.75 9.02 69.835 408 AMERICAN NATL FIN GRP 1,112 1,132 50.53 50.53 5.82 75.656 84 AMERICAN FINANCIAL GRP 855 924 -10.68 -10.68 4.48 80.137 8 ALLSTATE INS GRP 587 1,252 102.16 102.16 3.07 83.208 93 STATE NATL GRP 566 473 28.41 33.24 2.97 86.179 31887 COFACE N AMER INS CO 559 712 78.31 78.84 2.93 89.0910 796 QBE INS GRP 493 297 61.49 68.44 2.58 91.68

**STATE TOTAL** 19,091 27,472 112.75 115.29 100.00 100.00. .

Wyoming 1 19 ASSURANT INC GRP 441 441 9.26 9.27 33.47 33.47




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 1281 BANKAMERICA CORP GRP 384 399 37.06 37.34 29.17 62.643 761 ALLIANZ INS GRP 143 163 24.61 24.61 10.83 73.474 8 ALLSTATE INS GRP 112 152 100.11 100.11 8.52 82.005 93 STATE NATL GRP 76 16 20.12 22.35 5.74 87.736 2538 AMTRUST FINANCIAL SERV GRP 41 46 27.55 27.55 3.07 90.817 1129 WHITE MOUNTAINS GRP 40 13 43.17 43.17 3.03 93.848 468 AEGON US HOLDING GRP 39 24 128.48 128.54 2.96 96.809 408 AMERICAN NATL FIN GRP 33 42 85.30 85.30 2.49 99.28

**STATE TOTAL** 1,318 1,521 34.07 34.23 100.00 100.00. .

Puerto Rico 1 19 ASSURANT INC GRP 6,254 8,738 22.93 22.93 99.87 99.87**STATE TOTAL** 6,263 8,802 22.77 22.77 100.00 100.00

. .U.S. Virgin Islands **STATE TOTAL** 453 456 8.94 8.94 100.00 100.00

. .Canada 1 19 ASSURANT INC GRP 159,990 157,873 20.51 20.51 83.18 83.18

2 761 ALLIANZ INS GRP 30,355 31,219 47.40 47.58 15.78 98.963 1279 ARCH INS GRP 1,742 298 44.21 43.89 0.91 99.86

**STATE TOTAL** 192,349 189,657 24.73 24.75 100.00 100.00. .

Aggregate Other Alien 1 4254 THE WARRANTY GRP 16,210 10,142 37.48 37.48 45.96 45.962 984 HCC INS HOLDINGS GRP 9,581 9,533 27.20 27.53 27.17 73.133 212 ZURICH INS GRP 5,817 7,696 215.00 231.86 16.49 89.624 84 AMERICAN FINANCIAL GRP 1,457 1,337 410.65 410.65 4.13 93.755 796 QBE INS GRP 1,031 502 106.17 128.69 2.92 96.686 38 CHUBB & SON INC GRP 959 770 58.50 59.26 2.72 99.40

**STATE TOTAL** 35,267 30,782 94.74 99.45 100.00 100.00. .




30— Warranty



States, U.S. Territories, Canada, and Aggregate Other Alien30-Warranty



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 12 AMERICAN INTL GRP 924,459 400,786 75.49 75.49 34.82 34.822 79 GMAC INS HOLDING GRP 429,068 708,135 58.72 58.71 16.16 50.993 4254 THE WARRANTY GRP 249,484 322,043 69.52 69.92 9.40 60.394 212 ZURICH INS GRP 177,632 114,573 43.04 43.10 6.69 67.085 2538 AMTRUST FINANCIAL SERV GRP 133,397 131,692 80.17 80.17 5.03 72.106 281 JM FAMILY GRP 110,363 100,997 55.28 55.99 4.16 76.267 19 ASSURANT INC GRP 92,948 114,880 41.22 41.25 3.50 79.768 18 AMERICAN ROAD GRP 70,223 200,894 40.20 40.20 2.65 82.419 471 WELLS FARGO GRP 69,183 63,336 67.98 69.01 2.61 85.0110 16705 DEALERS ASSUR CO 55,552 52,647 60.91 60.91 2.09 87.1111 458 PROTECTIVE LIFE INS GRP 55,098 89,646 96.39 96.39 2.08 89.1812 697 VAN ENT GRP 53,201 66,837 44.37 44.37 2.00 91.1813 1285 XL AMER GRP 52,040 167,037 98.98 100.36 1.96 93.1514 8 ALLSTATE INS GRP 32,504 43,072 46.32 46.35 1.22 94.3715 140 NATIONWIDE CORP GRP 32,105 50,565 83.21 83.20 1.21 95.5816 660 MERCURY GEN GRP 27,284 33,987 91.40 91.39 1.03 96.6117 218 CNA INS GRP 16,839 36,609 66.37 66.83 0.63 97.2418 150 OLD REPUBLIC GRP 16,105 23,091 66.56 66.56 0.61 97.8519 84 AMERICAN FINANCIAL GRP 13,066 6,183 80.72 80.72 0.49 98.3420 37621 TOYOTA MOTOR INS CO 7,605 6,652 36.53 36.53 0.29 98.6321 1226 GEORGE A PARMER GRP 7,527 8,497 39.25 41.01 0.28 98.9122 32107 SUTTER INS CO 5,270 8,043 70.72 70.72 0.20 99.1123 1281 BANKAMERICA CORP GRP 4,770 16,370 109.35 109.35 0.18 99.2924 10499 CHRYSLER INS CO 4,637 4,160 61.18 61.30 0.17 99.4625 23479 NATIONAL HOME WARRANTY INC 3,645 3,640 57.46 57.33 0.14 99.6026 10817 PLATEAU CAS INS CO 2,535 3,289 26.93 26.93 0.10 99.7027 361 MUNICH RE GRP 1,869 547 73.75 74.01 0.07 99.7728 468 AEGON US HOLDING GRP 1,571 -2,714 N/A N/A 0.06 99.8329 17 LIFE OF THE SOUTH CORP GRP 1,434 395 47.43 48.05 0.05 99.88

**INDUSTRY TOTAL** 2,654,620 2,799,869 65.25 65.43 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 19 ASSURANT INC GRP 8,557 8,516 27.30 27.37 57.64 57.642 16705 DEALERS ASSUR CO 1,965 2,145 65.01 65.01 13.24 70.873 212 ZURICH INS GRP 1,130 453 -235.42 -235.32 7.61 78.494 1285 XL AMER GRP 668 2,105 51.33 52.01 4.50 82.995 471 WELLS FARGO GRP 667 849 64.40 65.49 4.49 87.486 10499 CHRYSLER INS CO 631 1,507 34.02 34.02 4.25 91.747 660 MERCURY GEN GRP 268 214 90.08 90.09 1.81 93.548 4254 THE WARRANTY GRP 238 434 66.41 66.76 1.61 95.159 281 JM FAMILY GRP 207 54 138.77 138.77 1.39 96.5410 140 NATIONWIDE CORP GRP 150 178 59.15 59.14 1.01 97.55

**STATE TOTAL** 14,847 17,418 34.21 34.38 100.00 100.00. .

Alaska 1 140 NATIONWIDE CORP GRP 1,381 813 101.31 101.31 49.67 49.672 660 MERCURY GEN GRP 457 78 74.67 74.70 16.42 66.093 18 AMERICAN ROAD GRP 378 186 84.05 84.05 13.61 79.704 4254 THE WARRANTY GRP 207 167 104.18 104.69 7.43 87.135 79 GMAC INS HOLDING GRP 202 259 53.30 53.31 7.25 94.386 471 WELLS FARGO GRP 71 58 48.86 50.16 2.57 96.957 1285 XL AMER GRP 46 14 131.44 133.56 1.65 98.61

**STATE TOTAL** 2,781 1,704 83.51 83.61 100.00 100.00. .

Arizona 1 458 PROTECTIVE LIFE INS GRP 2,007 3,586 97.34 97.34 26.35 26.352 212 ZURICH INS GRP 1,579 1,275 42.06 42.09 20.73 47.083 19 ASSURANT INC GRP 1,469 1,337 8.71 8.77 19.28 66.364 140 NATIONWIDE CORP GRP 928 1,172 86.16 86.16 12.18 78.545 1285 XL AMER GRP 765 3,442 109.91 111.49 10.04 88.586 660 MERCURY GEN GRP 619 915 146.38 146.37 8.12 96.70

**STATE TOTAL** 7,618 14,793 99.10 99.47 100.00 100.00. .

Arkansas 1 12 AMERICAN INTL GRP 4,054 629 42.69 42.69 49.31 49.312 16705 DEALERS ASSUR CO 1,181 1,210 61.43 61.43 14.36 63.673 19 ASSURANT INC GRP 1,058 848 11.36 11.36 12.87 76.544 4254 THE WARRANTY GRP 733 910 88.67 88.67 8.91 85.455 212 ZURICH INS GRP 445 239 29.49 29.49 5.41 90.866 8 ALLSTATE INS GRP 310 853 30.93 30.93 3.77 94.647 140 NATIONWIDE CORP GRP 284 635 62.96 62.95 3.46 98.108 84 AMERICAN FINANCIAL GRP 50 26 10.90 10.90 0.61 98.719 660 MERCURY GEN GRP 41 59 67.83 67.83 0.49 99.2010 281 JM FAMILY GRP 33 2 181.92 181.92 0.40 99.60

**STATE TOTAL** 8,222 5,883 51.56 51.57 100.00 100.00. .

California 1 2538 AMTRUST FINANCIAL SERV GRP 16,996 20,955 113.58 113.58 20.61 20.612 212 ZURICH INS GRP 16,289 4,140 50.63 50.88 19.75 40.363 471 WELLS FARGO GRP 8,301 8,354 70.23 71.56 10.07 50.424 4254 THE WARRANTY GRP 8,247 9,192 94.19 94.22 10.00 60.425 1285 XL AMER GRP 7,125 21,802 132.50 134.55 8.64 69.066 660 MERCURY GEN GRP 6,621 9,957 106.44 106.44 8.03 77.097 16705 DEALERS ASSUR CO 5,211 9,211 10.08 10.08 6.32 83.418 281 JM FAMILY GRP 2,792 493 34.40 34.40 3.39 86.799 32107 SUTTER INS CO 2,732 5,024 80.08 80.08 3.31 90.1110 84 AMERICAN FINANCIAL GRP 2,149 964 21.07 21.07 2.61 92.71

**STATE TOTAL** 82,473 126,391 91.40 91.26 100.00 100.00. .

Colorado 1 16705 DEALERS ASSUR CO 3,477 2,605 46.13 46.13 17.83 17.832 8 ALLSTATE INS GRP 2,842 2,859 54.07 54.07 14.58 32.413 471 WELLS FARGO GRP 1,959 1,201 44.87 45.93 10.05 42.454 212 ZURICH INS GRP 1,848 363 52.56 52.71 9.48 51.935 660 MERCURY GEN GRP 1,767 1,859 85.17 85.17 9.06 60.996 4254 THE WARRANTY GRP 1,703 2,543 94.11 94.12 8.74 69.737 150 OLD REPUBLIC GRP 1,458 1,415 44.84 44.84 7.48 77.208 19 ASSURANT INC GRP 1,394 1,015 3.95 3.97 7.15 84.359 458 PROTECTIVE LIFE INS GRP 1,187 867 129.40 129.40 6.09 90.4410 1285 XL AMER GRP 1,075 3,517 88.84 90.12 5.51 95.95

**STATE TOTAL** 19,499 19,507 68.77 69.41 100.00 100.00. .




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Connecticut 1 212 ZURICH INS GRP 2,971 1,748 44.68 44.71 34.75 34.752 471 WELLS FARGO GRP 1,682 1,778 66.75 67.62 19.67 54.423 8 ALLSTATE INS GRP 1,366 2,708 39.23 39.25 15.97 70.394 1285 XL AMER GRP 1,106 2,713 75.81 76.79 12.93 83.325 4254 THE WARRANTY GRP 403 1,194 24.77 26.15 4.71 88.036 140 NATIONWIDE CORP GRP 326 655 115.91 115.91 3.82 91.847 16705 DEALERS ASSUR CO 197 85 107.29 107.29 2.30 94.148 150 OLD REPUBLIC GRP 190 222 87.44 87.44 2.22 96.379 10499 CHRYSLER INS CO 134 322 59.45 59.45 1.57 97.9310 84 AMERICAN FINANCIAL GRP 86 54 120.51 120.51 1.01 98.94

**STATE TOTAL** 8,552 12,163 60.53 61.00 100.00 100.00. .

Delaware 1 212 ZURICH INS GRP 417 69 -163.25 -162.86 25.98 25.982 1285 XL AMER GRP 316 1,124 50.22 50.94 19.71 45.693 4254 THE WARRANTY GRP 257 339 50.57 50.57 16.02 61.724 16705 DEALERS ASSUR CO 204 61 61.91 61.91 12.69 74.415 140 NATIONWIDE CORP GRP 186 249 61.20 61.20 11.56 85.976 471 WELLS FARGO GRP 78 85 60.02 61.03 4.87 90.847 19 ASSURANT INC GRP 55 38 12.11 12.56 3.43 94.268 150 OLD REPUBLIC GRP 37 5 8.98 8.98 2.29 96.569 8 ALLSTATE INS GRP 25 42 38.55 38.55 1.54 98.1010 79 GMAC INS HOLDING GRP 20 18 18.42 18.42 1.25 99.35

**STATE TOTAL** 1,605 2,213 45.59 46.03 100.00 100.00. .

District of Columbia 1 19 ASSURANT INC GRP 81 81 2.54 2.54 57.38 57.382 212 ZURICH INS GRP 37 9 216.14 216.14 25.90 83.283 1285 XL AMER GRP 22 114 113.37 114.29 15.69 98.97

**STATE TOTAL** 141 204 78.73 80.71 100.00 100.00. .

Florida 1 281 JM FAMILY GRP 102,948 88,880 47.64 48.45 37.80 37.802 12 AMERICAN INTL GRP 62,280 26,981 74.79 74.79 22.86 60.663 2538 AMTRUST FINANCIAL SERV GRP 25,681 16,620 99.40 99.40 9.43 70.094 79 GMAC INS HOLDING GRP 22,127 52,585 31.68 31.70 8.12 78.215 458 PROTECTIVE LIFE INS GRP 10,035 17,821 109.47 109.47 3.68 81.906 212 ZURICH INS GRP 10,025 19,119 19.07 19.10 3.68 85.587 19 ASSURANT INC GRP 9,024 51,401 47.97 47.97 3.31 88.898 4254 THE WARRANTY GRP 8,129 51,866 19.17 19.84 2.98 91.879 37621 TOYOTA MOTOR INS CO 7,605 6,652 36.53 36.53 2.79 94.6710 218 CNA INS GRP 5,563 10,958 58.44 58.91 2.04 96.71

**STATE TOTAL** 272,383 409,356 47.68 48.03 100.00 100.00. .

Georgia 1 4254 THE WARRANTY GRP 18,438 18,051 71.17 71.17 47.31 47.312 2538 AMTRUST FINANCIAL SERV GRP 7,243 5,946 54.42 54.42 18.58 65.893 212 ZURICH INS GRP 4,610 2,306 43.47 43.59 11.83 77.724 471 WELLS FARGO GRP 2,292 2,246 50.13 51.04 5.88 83.605 660 MERCURY GEN GRP 2,034 2,497 76.12 76.11 5.22 88.826 1285 XL AMER GRP 1,818 6,692 84.09 85.38 4.67 93.487 12 AMERICAN INTL GRP 1,586 707 82.22 82.22 4.07 97.55

**STATE TOTAL** 38,976 41,690 76.50 76.84 100.00 100.00. .

Hawaii 1 471 WELLS FARGO GRP 1,445 1,543 58.18 58.97 54.51 54.512 212 ZURICH INS GRP 629 47 -61.46 -60.69 23.75 78.263 1285 XL AMER GRP 254 692 103.66 104.94 9.59 87.854 8 ALLSTATE INS GRP 206 227 209.91 210.29 7.76 95.615 140 NATIONWIDE CORP GRP 37 184 113.27 113.27 1.41 97.016 281 JM FAMILY GRP 28 28 121.50 121.50 1.07 98.097 84 AMERICAN FINANCIAL GRP 28 34 19.29 19.29 1.06 99.158 4254 THE WARRANTY GRP 9 91 121.68 122.73 0.33 99.479 19 ASSURANT INC GRP 8 8 161.94 161.94 0.28 99.76

**STATE TOTAL** 2,650 2,903 86.11 86.90 100.00 100.00. .

Idaho 1 212 ZURICH INS GRP 984 848 61.97 62.01 32.03 32.032 471 WELLS FARGO GRP 413 242 50.29 51.47 13.43 45.463 660 MERCURY GEN GRP 382 560 56.05 56.05 12.43 57.904 150 OLD REPUBLIC GRP 369 228 31.07 31.07 12.01 69.90




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 19 ASSURANT INC GRP 352 290 18.42 18.42 11.47 81.376 1285 XL AMER GRP 189 1,011 51.66 52.29 6.15 87.527 140 NATIONWIDE CORP GRP 152 268 66.08 66.08 4.96 92.488 8 ALLSTATE INS GRP 130 198 20.72 20.72 4.25 96.729 4254 THE WARRANTY GRP 51 92 141.12 141.12 1.68 98.4010 281 JM FAMILY GRP 23 21 115.21 115.21 0.74 99.14

**STATE TOTAL** 3,072 5,211 38.06 38.33 100.00 100.00. .

Illinois 1 12 AMERICAN INTL GRP 841,926 366,851 75.73 75.73 82.96 82.962 4254 THE WARRANTY GRP 139,458 169,850 76.07 76.81 13.74 96.703 458 PROTECTIVE LIFE INS GRP 16,327 6,987 104.25 104.25 1.61 98.314 212 ZURICH INS GRP 6,023 2,943 36.52 36.80 0.59 98.905 471 WELLS FARGO GRP 2,377 1,742 79.37 80.36 0.23 99.146 8 ALLSTATE INS GRP 2,280 1,381 83.00 83.06 0.22 99.367 1285 XL AMER GRP 1,806 8,208 172.49 175.27 0.18 99.548 140 NATIONWIDE CORP GRP 1,075 1,309 121.98 121.98 0.11 99.649 19 ASSURANT INC GRP 920 722 34.65 34.65 0.09 99.7310 16705 DEALERS ASSUR CO 746 627 38.29 38.29 0.07 99.81

**STATE TOTAL** 1,014,887 563,510 77.45 77.72 100.00 100.00. .

Indiana 1 4254 THE WARRANTY GRP 16,453 7,988 74.31 69.42 59.56 59.562 212 ZURICH INS GRP 4,507 4,488 51.58 51.59 16.32 75.883 1281 BANKAMERICA CORP GRP 2,554 837 64.93 64.93 9.24 85.124 140 NATIONWIDE CORP GRP 911 1,138 96.41 96.41 3.30 88.425 12 AMERICAN INTL GRP 772 94 59.86 59.86 2.80 91.226 150 OLD REPUBLIC GRP 726 713 74.27 74.27 2.63 93.857 660 MERCURY GEN GRP 572 606 74.69 74.68 2.07 95.928 19 ASSURANT INC GRP 339 144 78.25 78.49 1.23 97.149 1285 XL AMER GRP 293 950 64.49 65.35 1.06 98.2110 471 WELLS FARGO GRP 282 301 80.41 81.22 1.02 99.23

**STATE TOTAL** 27,623 21,169 69.71 67.95 100.00 100.00. .

Iowa 1 140 NATIONWIDE CORP GRP 1,093 2,275 91.32 91.32 25.00 25.002 8 ALLSTATE INS GRP 908 344 61.13 61.13 20.76 45.763 212 ZURICH INS GRP 900 943 42.12 42.14 20.59 66.354 4254 THE WARRANTY GRP 572 802 103.35 103.35 13.07 79.425 660 MERCURY GEN GRP 508 591 75.23 75.22 11.62 91.046 150 OLD REPUBLIC GRP 181 379 85.74 85.74 4.13 95.177 1285 XL AMER GRP 137 277 81.11 82.18 3.14 98.318 16705 DEALERS ASSUR CO 60 132 78.17 78.17 1.37 99.69

**STATE TOTAL** 4,373 7,244 80.02 80.08 100.00 100.00. .

Kansas 1 697 VAN ENT GRP 50,984 64,167 44.28 44.28 87.17 87.172 212 ZURICH INS GRP 1,902 850 38.55 38.56 3.25 90.423 8 ALLSTATE INS GRP 1,715 1,327 35.34 35.34 2.93 93.354 18 AMERICAN ROAD GRP 1,042 672 32.88 32.88 1.78 95.135 1285 XL AMER GRP 669 1,510 53.02 53.60 1.14 96.286 4254 THE WARRANTY GRP 647 851 60.12 60.12 1.11 97.387 19 ASSURANT INC GRP 630 382 27.76 27.94 1.08 98.468 471 WELLS FARGO GRP 501 318 50.15 50.71 0.86 99.329 16705 DEALERS ASSUR CO 125 113 63.62 63.62 0.21 99.5310 660 MERCURY GEN GRP 111 112 54.40 54.38 0.19 99.72

**STATE TOTAL** 58,490 71,008 44.60 44.61 100.00 100.00. .

Kentucky 1 212 ZURICH INS GRP 2,363 1,044 42.12 42.18 36.56 36.562 471 WELLS FARGO GRP 1,139 707 57.97 58.94 17.62 54.183 140 NATIONWIDE CORP GRP 826 2,076 45.78 45.78 12.78 66.964 1285 XL AMER GRP 756 2,244 65.22 66.05 11.69 78.655 8 ALLSTATE INS GRP 392 518 45.52 45.59 6.07 84.726 19 ASSURANT INC GRP 375 389 11.34 11.74 5.80 90.527 150 OLD REPUBLIC GRP 196 82 63.73 63.73 3.03 93.558 4254 THE WARRANTY GRP 194 357 114.60 114.60 3.00 96.559 16705 DEALERS ASSUR CO 138 75 62.51 62.51 2.13 98.6810 84 AMERICAN FINANCIAL GRP 44 22 10.90 10.90 0.68 99.36

**STATE TOTAL** 6,464 8,294 54.57 55.00 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Louisiana 1 212 ZURICH INS GRP 1,817 164 71.09 71.71 23.76 23.76

2 1285 XL AMER GRP 1,246 3,390 83.65 85.10 16.30 40.063 16705 DEALERS ASSUR CO 1,028 688 77.78 77.78 13.45 53.514 79 GMAC INS HOLDING GRP 1,006 1,275 39.24 39.35 13.16 66.675 8 ALLSTATE INS GRP 470 262 39.32 39.32 6.15 72.826 19 ASSURANT INC GRP 456 334 68.38 68.71 5.96 78.787 140 NATIONWIDE CORP GRP 433 784 74.07 74.07 5.66 84.448 4254 THE WARRANTY GRP 419 1,161 110.64 110.64 5.48 89.919 660 MERCURY GEN GRP 347 545 84.09 84.09 4.54 94.4510 471 WELLS FARGO GRP 328 701 71.32 72.46 4.29 98.74

**STATE TOTAL** 7,645 10,675 77.16 77.80 100.00 100.00. .

Maine 1 212 ZURICH INS GRP 1,865 2,085 77.22 77.24 26.69 26.692 281 JM FAMILY GRP 1,449 986 41.44 41.44 20.73 47.423 471 WELLS FARGO GRP 940 423 57.16 58.25 13.46 60.874 458 PROTECTIVE LIFE INS GRP 844 279 69.19 69.19 12.08 72.955 19 ASSURANT INC GRP 842 891 5.09 5.09 12.05 85.016 16705 DEALERS ASSUR CO 414 131 67.31 67.31 5.93 90.937 18 AMERICAN ROAD GRP 228 309 52.24 52.24 3.27 94.208 4254 THE WARRANTY GRP 176 50 81.44 84.89 2.52 96.729 150 OLD REPUBLIC GRP 111 555 82.08 82.08 1.58 98.3010 1285 XL AMER GRP 92 705 77.00 77.97 1.32 99.62

**STATE TOTAL** 6,988 6,602 58.72 58.97 100.00 100.00. .

Maryland 1 212 ZURICH INS GRP 3,755 1,553 -0.87 -0.85 39.64 39.642 471 WELLS FARGO GRP 1,209 1,828 35.05 35.65 12.77 52.403 1285 XL AMER GRP 1,043 3,270 75.86 77.20 11.01 63.414 140 NATIONWIDE CORP GRP 966 1,238 84.01 84.01 10.20 73.615 4254 THE WARRANTY GRP 938 1,111 68.17 68.24 9.90 83.516 16705 DEALERS ASSUR CO 578 272 98.63 98.63 6.10 89.617 8 ALLSTATE INS GRP 544 823 57.13 57.15 5.74 95.358 19 ASSURANT INC GRP 373 326 15.23 15.23 3.93 99.28

**STATE TOTAL** 9,473 12,590 68.34 68.89 100.00 100.00. .

Massachusetts 1 212 ZURICH INS GRP 4,435 3,543 63.68 63.70 39.71 39.712 471 WELLS FARGO GRP 3,305 3,251 68.41 69.21 29.59 69.313 1285 XL AMER GRP 729 2,400 109.40 110.62 6.53 75.834 18 AMERICAN ROAD GRP 675 482 42.57 42.57 6.05 81.885 140 NATIONWIDE CORP GRP 594 686 100.65 100.65 5.32 87.206 8 ALLSTATE INS GRP 534 859 96.16 96.45 4.78 91.987 4254 THE WARRANTY GRP 337 1,077 58.73 58.76 3.02 95.008 150 OLD REPUBLIC GRP 198 211 68.40 68.40 1.77 96.779 16705 DEALERS ASSUR CO 143 109 87.60 87.60 1.28 98.0510 19 ASSURANT INC GRP 116 53 37.74 37.74 1.04 99.09

**STATE TOTAL** 11,168 13,727 81.18 81.87 100.00 100.00. .

Michigan 1 79 GMAC INS HOLDING GRP 302,167 570,926 57.43 57.46 78.65 78.652 18 AMERICAN ROAD GRP 65,275 147,575 44.70 44.70 16.99 95.643 212 ZURICH INS GRP 6,273 3,095 55.54 55.57 1.63 97.274 16705 DEALERS ASSUR CO 2,579 1,599 147.31 147.31 0.67 97.945 140 NATIONWIDE CORP GRP 2,102 2,374 105.55 105.55 0.55 98.496 1285 XL AMER GRP 2,012 4,243 96.05 97.12 0.52 99.027 458 PROTECTIVE LIFE INS GRP 1,734 654 101.44 101.44 0.45 99.478 8 ALLSTATE INS GRP 839 2,137 37.92 37.92 0.22 99.689 471 WELLS FARGO GRP 665 443 63.13 64.29 0.17 99.86

**STATE TOTAL** 384,192 733,685 56.07 56.11 100.00 100.00. .

Minnesota 1 471 WELLS FARGO GRP 7,416 7,968 119.74 121.36 29.73 29.732 12 AMERICAN INTL GRP 6,347 2,326 75.06 75.06 25.44 55.173 4254 THE WARRANTY GRP 5,858 9,077 69.56 69.57 23.48 78.654 212 ZURICH INS GRP 1,579 1,238 84.25 84.26 6.33 84.985 140 NATIONWIDE CORP GRP 618 829 87.43 87.43 2.48 87.456 1285 XL AMER GRP 616 1,975 92.02 93.21 2.47 89.927 10499 CHRYSLER INS CO 572 416 113.53 113.53 2.29 92.22




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


8 150 OLD REPUBLIC GRP 523 682 98.24 98.24 2.10 94.319 16705 DEALERS ASSUR CO 495 448 85.44 85.44 1.98 96.2910 660 MERCURY GEN GRP 492 474 81.40 81.40 1.97 98.27

**STATE TOTAL** 24,949 27,956 90.23 90.80 100.00 100.00. .

Mississippi 1 16705 DEALERS ASSUR CO 985 1,026 47.98 47.98 33.33 33.332 140 NATIONWIDE CORP GRP 832 955 51.56 51.56 28.14 61.473 660 MERCURY GEN GRP 340 370 55.45 55.45 11.52 72.984 4254 THE WARRANTY GRP 156 208 93.68 93.68 5.27 78.255 212 ZURICH INS GRP 149 228 49.28 49.28 5.05 83.316 19 ASSURANT INC GRP 143 122 61.68 64.05 4.83 88.147 8 ALLSTATE INS GRP 111 213 16.92 16.92 3.75 91.898 458 PROTECTIVE LIFE INS GRP 93 114 56.88 56.88 3.14 95.049 84 AMERICAN FINANCIAL GRP 38 29 19.24 19.24 1.28 96.3110 1285 XL AMER GRP 36 367 40.44 40.84 1.20 97.51

**STATE TOTAL** 2,955 3,756 -71.43 -78.07 100.00 100.00. .

Missouri 1 458 PROTECTIVE LIFE INS GRP 12,098 20,103 87.90 87.90 47.36 47.362 8 ALLSTATE INS GRP 3,688 2,523 62.69 62.69 14.44 61.803 212 ZURICH INS GRP 3,143 3,177 48.34 48.36 12.30 74.104 19 ASSURANT INC GRP 1,773 1,089 22.11 22.19 6.94 81.055 4254 THE WARRANTY GRP 1,318 1,798 83.71 83.75 5.16 86.206 16705 DEALERS ASSUR CO 1,113 1,007 65.25 65.25 4.36 90.567 1285 XL AMER GRP 1,053 2,514 78.95 79.89 4.12 94.698 471 WELLS FARGO GRP 253 202 37.65 38.18 0.99 95.689 150 OLD REPUBLIC GRP 243 201 59.59 59.59 0.95 96.6310 281 JM FAMILY GRP 230 21 116.37 116.37 0.90 97.53

**STATE TOTAL** 25,544 34,815 78.84 78.93 100.00 100.00. .

Montana 1 212 ZURICH INS GRP 829 574 61.03 61.03 59.50 59.502 660 MERCURY GEN GRP 156 259 69.31 69.30 11.21 70.713 140 NATIONWIDE CORP GRP 155 632 71.48 71.48 11.13 81.844 471 WELLS FARGO GRP 80 20 37.26 39.43 5.71 87.555 16705 DEALERS ASSUR CO 64 53 56.20 56.20 4.62 92.176 8 ALLSTATE INS GRP 45 192 29.32 29.32 3.20 95.377 4254 THE WARRANTY GRP 42 28 30.23 30.23 3.02 98.398 1285 XL AMER GRP 11 70 66.24 66.64 0.81 99.209 19 ASSURANT INC GRP 9 12 51.25 51.45 0.63 99.83

**STATE TOTAL** 1,394 2,036 61.94 62.02 100.00 100.00. .

Nebraska 1 8 ALLSTATE INS GRP 1,935 883 51.10 51.10 31.09 31.092 218 CNA INS GRP 1,009 1,224 57.86 58.75 16.22 47.313 84 AMERICAN FINANCIAL GRP 571 208 12.00 12.00 9.17 56.484 458 PROTECTIVE LIFE INS GRP 479 342 53.67 53.67 7.70 64.185 16705 DEALERS ASSUR CO 447 3,361 55.58 55.58 7.18 71.366 212 ZURICH INS GRP 351 244 38.42 38.42 5.65 77.017 19 ASSURANT INC GRP 347 257 16.48 16.48 5.57 82.588 18 AMERICAN ROAD GRP 301 227 30.70 30.70 4.83 87.419 140 NATIONWIDE CORP GRP 242 379 76.48 76.48 3.90 91.3010 1285 XL AMER GRP 144 341 101.96 103.17 2.31 93.62

**STATE TOTAL** 6,223 8,056 55.78 55.99 100.00 100.00. .

Nevada 1 23479 NATIONAL HOME WARRANTY INC 3,645 3,640 57.46 57.33 40.85 40.852 471 WELLS FARGO GRP 1,305 699 103.25 104.96 14.63 55.483 212 ZURICH INS GRP 699 266 -92.21 -91.94 7.83 63.314 19 ASSURANT INC GRP 649 664 7.12 7.12 7.27 70.575 458 PROTECTIVE LIFE INS GRP 617 606 122.86 122.86 6.91 77.486 10319 BROWARD FACTORY SERV INC 579 0 N/A N/A 6.49 83.987 32107 SUTTER INS CO 411 527 40.18 40.18 4.61 88.598 1285 XL AMER GRP 408 1,767 145.25 147.65 4.58 93.169 2538 AMTRUST FINANCIAL SERV GRP 174 26 0.00 0.00 1.95 95.1110 1281 BANKAMERICA CORP GRP 115 1,047 82.14 82.14 1.29 96.41

**STATE TOTAL** 8,924 10,136 75.06 75.57 100.00 100.00. .

New Hampshire 1 2538 AMTRUST FINANCIAL SERV GRP 10,496 10,254 39.15 39.15 71.35 71.35




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 212 ZURICH INS GRP 2,331 1,148 57.56 57.59 15.84 87.193 471 WELLS FARGO GRP 693 581 65.10 65.95 4.71 91.904 1285 XL AMER GRP 604 2,225 57.10 57.80 4.11 96.015 140 NATIONWIDE CORP GRP 308 374 70.75 70.75 2.09 98.106 16705 DEALERS ASSUR CO 116 63 57.92 57.92 0.79 98.897 19 ASSURANT INC GRP 82 26 68.61 69.27 0.56 99.458 8 ALLSTATE INS GRP 25 123 6.36 6.36 0.17 99.629 150 OLD REPUBLIC GRP 15 3 157.44 157.44 0.10 99.7210 18 AMERICAN ROAD GRP 14 23 18.71 18.71 0.10 99.82

**STATE TOTAL** 14,711 15,164 45.23 45.44 100.00 100.00. .

New Jersey 1 212 ZURICH INS GRP 8,698 4,502 57.44 57.47 39.81 39.812 1285 XL AMER GRP 2,587 7,246 94.82 96.47 11.84 51.653 471 WELLS FARGO GRP 2,581 2,218 66.50 67.38 11.81 63.464 4254 THE WARRANTY GRP 2,010 1,852 40.26 40.29 9.20 72.655 140 NATIONWIDE CORP GRP 1,392 1,924 61.36 61.36 6.37 79.026 218 CNA INS GRP 1,007 692 79.13 79.95 4.61 83.637 458 PROTECTIVE LIFE INS GRP 917 1,356 94.45 94.45 4.20 87.838 19 ASSURANT INC GRP 895 267 68.67 68.67 4.10 91.929 18 AMERICAN ROAD GRP 882 789 36.94 36.94 4.04 95.9610 150 OLD REPUBLIC GRP 283 184 55.24 55.24 1.29 97.26

**STATE TOTAL** 21,851 32,004 87.24 87.90 100.00 100.00. .

New Mexico 1 16705 DEALERS ASSUR CO 7,497 2,750 117.65 117.65 67.54 67.542 212 ZURICH INS GRP 924 645 42.42 42.45 8.33 75.873 8 ALLSTATE INS GRP 645 799 46.89 46.89 5.81 81.684 1285 XL AMER GRP 633 1,112 46.26 46.90 5.70 87.385 19 ASSURANT INC GRP 462 408 10.91 11.00 4.17 91.556 660 MERCURY GEN GRP 329 471 65.74 65.74 2.96 94.517 471 WELLS FARGO GRP 307 460 40.55 41.00 2.77 97.288 27499 SOUTHWEST GEN INS CO 109 132 13.30 13.30 0.99 98.279 140 NATIONWIDE CORP GRP 78 193 30.36 30.36 0.70 98.9710 4254 THE WARRANTY GRP 68 67 194.26 194.26 0.62 99.58

**STATE TOTAL** 11,100 7,237 73.17 73.31 100.00 100.00. .

New York 1 2538 AMTRUST FINANCIAL SERV GRP 12,024 6,738 84.03 84.03 25.16 25.162 212 ZURICH INS GRP 10,485 5,120 50.56 50.64 21.94 47.103 16705 DEALERS ASSUR CO 7,169 3,160 75.56 75.56 15.00 62.104 471 WELLS FARGO GRP 5,449 4,439 77.92 78.90 11.40 73.505 1285 XL AMER GRP 3,039 10,400 114.49 115.66 6.36 79.866 140 NATIONWIDE CORP GRP 3,002 3,555 136.36 136.36 6.28 86.147 19 ASSURANT INC GRP 1,819 293 73.88 73.88 3.81 89.958 12 AMERICAN INTL GRP 1,222 1,180 14.21 14.21 2.56 92.509 1281 BANKAMERICA CORP GRP 1,164 933 140.41 140.41 2.44 94.9410 4254 THE WARRANTY GRP 888 1,012 57.11 57.20 1.86 96.80

**STATE TOTAL** 47,792 41,419 89.77 90.39 100.00 100.00. .

North Carolina 1 212 ZURICH INS GRP 5,285 2,685 61.82 61.85 29.75 29.752 471 WELLS FARGO GRP 3,384 2,328 38.60 39.32 19.05 48.793 4254 THE WARRANTY GRP 2,150 2,627 81.09 81.93 12.10 60.894 12 AMERICAN INTL GRP 1,870 221 104.16 104.16 10.53 71.425 16705 DEALERS ASSUR CO 1,267 1,387 82.72 82.72 7.13 78.556 19 ASSURANT INC GRP 904 1,109 28.03 28.47 5.09 83.647 1285 XL AMER GRP 684 3,454 60.38 61.15 3.85 87.498 150 OLD REPUBLIC GRP 482 353 43.83 43.83 2.71 90.209 1281 BANKAMERICA CORP GRP 466 366 77.84 77.84 2.62 92.8310 140 NATIONWIDE CORP GRP 391 925 48.31 48.30 2.20 95.03

**STATE TOTAL** 17,768 17,023 59.37 59.79 100.00 100.00. .

North Dakota 1 471 WELLS FARGO GRP 91 145 82.97 83.76 35.33 35.332 660 MERCURY GEN GRP 76 61 88.01 88.00 29.39 64.723 8 ALLSTATE INS GRP 25 13 63.45 63.45 9.69 74.414 84 AMERICAN FINANCIAL GRP 23 12 3.90 3.90 9.06 83.485 361 MUNICH RE GRP 18 2 -31.06 -31.06 6.85 90.336 19 ASSURANT INC GRP 13 11 57.46 57.46 5.11 95.44




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 1285 XL AMER GRP 11 44 98.07 99.00 4.32 99.76**STATE TOTAL** 257 751 68.13 68.15 100.00 100.00

. .Ohio 1 471 WELLS FARGO GRP 3,581 2,329 56.78 57.39 17.13 17.13

2 19 ASSURANT INC GRP 2,992 757 39.33 39.42 14.31 31.443 212 ZURICH INS GRP 2,427 547 35.58 35.77 11.61 43.054 8 ALLSTATE INS GRP 2,332 1,233 86.62 86.65 11.15 54.205 140 NATIONWIDE CORP GRP 2,249 3,589 94.72 94.71 10.76 64.966 1285 XL AMER GRP 1,370 4,737 69.09 69.95 6.55 71.517 16705 DEALERS ASSUR CO 1,173 1,457 39.61 39.61 5.61 77.128 4254 THE WARRANTY GRP 1,140 1,878 77.39 77.40 5.45 82.589 84 AMERICAN FINANCIAL GRP 947 227 135.26 135.26 4.53 87.1110 361 MUNICH RE GRP 932 332 72.54 72.66 4.46 91.57

**STATE TOTAL** 20,907 24,857 67.17 67.51 100.00 100.00. .

Oklahoma 1 8 ALLSTATE INS GRP 5,001 5,517 39.97 39.97 33.77 33.772 212 ZURICH INS GRP 2,454 661 34.05 34.12 16.57 50.343 660 MERCURY GEN GRP 1,395 2,340 100.20 100.19 9.42 59.764 1285 XL AMER GRP 1,382 4,210 52.48 53.25 9.33 69.095 458 PROTECTIVE LIFE INS GRP 1,338 705 44.61 44.61 9.04 78.136 19 ASSURANT INC GRP 1,082 972 16.76 17.18 7.31 85.437 4254 THE WARRANTY GRP 1,054 2,407 114.11 114.11 7.12 92.558 16705 DEALERS ASSUR CO 345 303 46.79 46.79 2.33 94.889 471 WELLS FARGO GRP 208 93 21.43 21.87 1.40 96.2810 281 JM FAMILY GRP 201 258 48.52 48.52 1.36 97.64

**STATE TOTAL** 14,811 17,973 60.22 60.43 100.00 100.00. .

Oregon 1 150 OLD REPUBLIC GRP 947 805 23.18 23.18 23.15 23.152 660 MERCURY GEN GRP 606 769 47.43 47.42 14.80 37.953 32107 SUTTER INS CO 595 870 51.53 51.53 14.55 52.504 471 WELLS FARGO GRP 464 380 41.68 42.91 11.34 63.835 212 ZURICH INS GRP 408 646 48.15 48.15 9.97 73.806 19 ASSURANT INC GRP 394 346 16.10 16.36 9.63 83.437 140 NATIONWIDE CORP GRP 346 511 59.79 59.79 8.46 91.898 8 ALLSTATE INS GRP 172 103 28.56 28.66 4.19 96.099 1285 XL AMER GRP 100 859 71.79 72.70 2.45 98.5310 281 JM FAMILY GRP 34 34 61.96 61.96 0.82 99.35

**STATE TOTAL** 4,091 6,150 53.90 54.43 100.00 100.00. .

Pennsylvania 1 212 ZURICH INS GRP 20,291 13,988 46.72 46.74 61.85 61.852 140 NATIONWIDE CORP GRP 2,315 3,452 95.15 95.15 7.06 68.913 1285 XL AMER GRP 2,309 7,580 88.26 89.23 7.04 75.944 16705 DEALERS ASSUR CO 1,987 1,310 23.79 23.79 6.06 82.005 471 WELLS FARGO GRP 1,880 1,208 63.00 64.13 5.73 87.736 19 ASSURANT INC GRP 1,369 1,185 9.36 9.39 4.17 91.907 4254 THE WARRANTY GRP 902 1,598 69.76 69.78 2.75 94.658 150 OLD REPUBLIC GRP 569 245 49.83 49.83 1.73 96.389 8 ALLSTATE INS GRP 456 421 58.52 58.55 1.39 97.7710 79 GMAC INS HOLDING GRP 268 258 19.18 19.18 0.82 98.59

**STATE TOTAL** 32,807 47,775 71.49 71.92 100.00 100.00. .

Rhode Island 1 212 ZURICH INS GRP 466 537 54.19 54.20 36.62 36.622 18 AMERICAN ROAD GRP 284 136 43.41 43.41 22.34 58.963 4254 THE WARRANTY GRP 147 275 66.58 66.58 11.56 70.524 1285 XL AMER GRP 122 227 85.29 87.04 9.56 80.085 471 WELLS FARGO GRP 115 421 58.93 59.65 9.03 89.116 140 NATIONWIDE CORP GRP 51 26 94.49 94.49 4.05 93.157 150 OLD REPUBLIC GRP 33 11 154.67 154.67 2.59 95.758 79 GMAC INS HOLDING GRP 20 18 48.01 48.01 1.53 97.289 8 ALLSTATE INS GRP 14 -23 N/A N/A 1.10 98.3810 84 AMERICAN FINANCIAL GRP 9 4 29.16 29.16 0.67 99.05

**STATE TOTAL** 1,271 1,764 74.66 75.71 100.00 100.00. .

South Carolina 1 212 ZURICH INS GRP 1,474 531 50.09 50.22 29.09 29.092 4254 THE WARRANTY GRP 728 724 94.26 94.26 14.36 43.45




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


3 140 NATIONWIDE CORP GRP 684 1,062 58.68 58.68 13.49 56.944 1285 XL AMER GRP 595 2,568 84.28 85.31 11.73 68.685 19 ASSURANT INC GRP 532 468 181.00 182.39 10.51 79.186 471 WELLS FARGO GRP 369 355 48.43 49.16 7.29 86.477 281 JM FAMILY GRP 313 12 68.15 68.15 6.17 92.648 150 OLD REPUBLIC GRP 134 52 61.22 61.22 2.65 95.299 458 PROTECTIVE LIFE INS GRP 91 213 36.78 36.78 1.80 97.0910 79 GMAC INS HOLDING GRP 45 41 11.17 11.17 0.89 97.98

**STATE TOTAL** 5,067 6,280 79.26 79.92 100.00 100.00. .

South Dakota 1 212 ZURICH INS GRP 466 221 37.91 37.99 53.60 53.602 660 MERCURY GEN GRP 164 146 73.06 73.05 18.88 72.483 1285 XL AMER GRP 91 675 70.88 71.51 10.48 82.964 8 ALLSTATE INS GRP 45 20 56.43 56.43 5.19 88.155 140 NATIONWIDE CORP GRP 38 100 71.76 71.76 4.34 92.506 19 ASSURANT INC GRP 24 25 69.84 69.83 2.80 95.307 471 WELLS FARGO GRP 19 104 67.66 67.92 2.18 97.488 4254 THE WARRANTY GRP 12 50 82.12 82.12 1.40 98.88

**STATE TOTAL** 870 1,450 65.30 65.65 100.00 100.00. .

Tennessee 1 2538 AMTRUST FINANCIAL SERV GRP 16,521 21,776 84.76 84.76 55.07 55.072 10817 PLATEAU CAS INS CO 2,535 3,289 26.93 26.93 8.45 63.523 212 ZURICH INS GRP 2,411 623 19.84 20.00 8.04 71.564 1285 XL AMER GRP 1,486 4,308 59.80 60.82 4.95 76.515 19 ASSURANT INC GRP 1,418 1,475 16.86 17.05 4.73 81.246 16705 DEALERS ASSUR CO 1,286 1,294 64.08 64.08 4.29 85.537 4254 THE WARRANTY GRP 1,053 1,110 108.36 108.37 3.51 89.048 471 WELLS FARGO GRP 988 503 34.17 34.65 3.29 92.339 458 PROTECTIVE LIFE INS GRP 681 2,503 79.58 79.58 2.27 94.6010 361 MUNICH RE GRP 376 55 24.75 24.75 1.25 95.86

**STATE TOTAL** 29,999 38,336 71.09 71.30 100.00 100.00. .

Texas 1 2538 AMTRUST FINANCIAL SERV GRP 44,216 30,024 59.86 59.86 36.04 36.042 212 ZURICH INS GRP 16,591 9,415 43.09 43.20 13.52 49.573 1226 GEORGE A PARMER GRP 7,778 8,497 39.25 41.01 6.34 55.914 16705 DEALERS ASSUR CO 6,775 8,491 70.06 70.06 5.52 61.435 660 MERCURY GEN GRP 6,547 6,541 88.77 88.76 5.34 66.776 1285 XL AMER GRP 6,010 15,954 108.59 110.10 4.90 71.677 458 PROTECTIVE LIFE INS GRP 5,778 4,984 120.74 120.74 4.71 76.388 19 ASSURANT INC GRP 5,540 4,935 11.30 11.30 4.52 80.899 4254 THE WARRANTY GRP 4,840 4,825 100.34 100.37 3.95 84.8410 8 ALLSTATE INS GRP 3,484 5,243 62.33 62.33 2.84 87.68

**STATE TOTAL** 122,675 111,605 71.34 71.52 100.00 100.00. .

Utah 1 8 ALLSTATE INS GRP 1,065 1,076 33.60 33.61 24.44 24.442 212 ZURICH INS GRP 993 775 52.27 52.28 22.79 47.233 12588 PRIME INS CO 760 214 98.77 98.77 17.44 64.674 140 NATIONWIDE CORP GRP 454 469 87.84 87.84 10.42 75.095 471 WELLS FARGO GRP 403 431 40.72 41.41 9.25 84.346 19 ASSURANT INC GRP 354 336 1.07 1.07 8.12 92.467 1285 XL AMER GRP 112 477 90.90 92.26 2.56 95.028 4254 THE WARRANTY GRP 99 154 146.13 146.13 2.26 97.299 660 MERCURY GEN GRP 87 78 51.44 51.42 1.99 99.2810 79 GMAC INS HOLDING GRP 21 23 11.31 11.31 0.49 99.77

**STATE TOTAL** 4,357 4,506 59.47 60.15 100.00 100.00. .

Vermont 1 471 WELLS FARGO GRP 573 340 67.88 68.56 43.53 43.532 212 ZURICH INS GRP 230 59 91.29 91.45 17.50 61.033 1285 XL AMER GRP 158 544 75.09 75.78 12.02 73.054 140 NATIONWIDE CORP GRP 145 312 107.36 107.36 11.04 84.095 84 AMERICAN FINANCIAL GRP 124 61 10.96 10.96 9.41 93.50

**STATE TOTAL** 1,317 1,701 76.08 76.51 100.00 100.00. .

Virginia 1 212 ZURICH INS GRP 5,863 1,420 32.92 33.16 29.53 29.532 4254 THE WARRANTY GRP 4,279 5,343 63.29 63.31 21.55 51.09




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


3 471 WELLS FARGO GRP 3,330 3,745 46.08 46.70 16.77 67.864 1285 XL AMER GRP 2,915 10,631 81.51 82.39 14.68 82.545 16705 DEALERS ASSUR CO 889 654 63.83 63.83 4.48 87.026 660 MERCURY GEN GRP 550 453 79.95 79.95 2.77 89.797 281 JM FAMILY GRP 441 220 74.54 74.54 2.22 92.018 140 NATIONWIDE CORP GRP 407 583 69.56 69.56 2.05 94.069 8 ALLSTATE INS GRP 387 4,432 0.05 0.09 1.95 96.0110 19 ASSURANT INC GRP 345 384 19.09 19.09 1.74 97.75

**STATE TOTAL** 19,853 30,055 55.48 56.11 100.00 100.00. .

Washington 1 212 ZURICH INS GRP 7,212 8,027 52.31 52.31 29.31 29.312 218 CNA INS GRP 3,613 5,290 54.10 54.58 14.68 43.993 10499 CHRYSLER INS CO 3,155 1,249 98.01 98.01 12.82 56.824 16705 DEALERS ASSUR CO 2,825 4,039 75.77 75.77 11.48 68.305 458 PROTECTIVE LIFE INS GRP 1,997 2,041 65.88 65.88 8.12 76.416 32107 SUTTER INS CO 1,532 1,622 61.96 61.96 6.23 82.647 471 WELLS FARGO GRP 1,241 1,116 45.46 46.35 5.04 87.688 140 NATIONWIDE CORP GRP 861 1,676 64.09 64.08 3.50 91.189 1285 XL AMER GRP 607 2,840 57.15 57.91 2.47 93.6510 660 MERCURY GEN GRP 603 871 66.14 66.13 2.45 96.10

**STATE TOTAL** 24,606 32,903 59.48 59.64 100.00 100.00. .

West Virginia 1 471 WELLS FARGO GRP 874 524 49.78 50.86 35.09 35.092 140 NATIONWIDE CORP GRP 614 653 77.01 77.01 24.65 59.743 212 ZURICH INS GRP 242 20 -8.24 -7.33 9.74 69.474 1285 XL AMER GRP 200 906 58.34 58.73 8.02 77.505 16705 DEALERS ASSUR CO 175 72 64.84 64.84 7.04 84.546 4254 THE WARRANTY GRP 167 368 59.54 59.54 6.69 91.237 19 ASSURANT INC GRP 148 57 29.34 29.33 5.96 97.198 79 GMAC INS HOLDING GRP 29 27 11.12 11.13 1.15 98.349 8 ALLSTATE INS GRP 25 -46 N/A N/A 0.99 99.3410 150 OLD REPUBLIC GRP 13 2 95.53 95.53 0.51 99.85

**STATE TOTAL** 2,490 2,640 63.84 64.28 100.00 100.00. .

Wisconsin 1 4254 THE WARRANTY GRP 16,888 12,627 83.07 83.08 51.61 51.612 212 ZURICH INS GRP 6,732 5,652 60.13 60.13 20.57 72.183 218 CNA INS GRP 5,697 11,882 59.18 59.66 17.41 89.594 19 ASSURANT INC GRP 654 193 77.15 77.49 2.00 91.595 150 OLD REPUBLIC GRP 600 588 75.26 75.26 1.83 93.426 660 MERCURY GEN GRP 511 443 62.77 62.77 1.56 94.987 458 PROTECTIVE LIFE INS GRP 368 3,053 70.34 70.34 1.12 96.118 281 JM FAMILY GRP 311 261 40.13 40.13 0.95 97.069 140 NATIONWIDE CORP GRP 267 562 103.02 103.02 0.81 97.8710 16705 DEALERS ASSUR CO 255 292 80.99 80.99 0.78 98.65

**STATE TOTAL** 32,724 37,362 70.66 70.87 100.00 100.00. .

Wyoming 1 660 MERCURY GEN GRP 140 111 52.99 52.99 25.58 25.582 140 NATIONWIDE CORP GRP 98 257 54.74 54.74 18.01 43.593 471 WELLS FARGO GRP 90 29 67.88 70.15 16.51 60.104 4254 THE WARRANTY GRP 67 289 20.81 20.81 12.29 72.405 212 ZURICH INS GRP 55 51 55.37 55.37 10.05 82.456 16705 DEALERS ASSUR CO 54 79 46.35 46.35 9.92 92.377 19 ASSURANT INC GRP 31 7 32.12 32.12 5.59 97.96

**STATE TOTAL** 546 1,996 24.82 25.78 100.00 100.00. .

Guam **STATE TOTAL** 0 1 -17.79 -17.79 N/A 100.00. .

Puerto Rico **STATE TOTAL** 2,487 289 62.28 63.17 100.00 100.00. .

U.S. Virgin Islands **STATE TOTAL** 0 0 N/A N/A N/A 100.00. .

Canada 1 79 GMAC INS HOLDING GRP 100,626 79,067 93.74 93.74 65.19 65.192 19 ASSURANT INC GRP 44,243 28,629 37.01 37.01 28.66 93.853 84 AMERICAN FINANCIAL GRP 6,427 2,737 54.48 54.48 4.16 98.01

**STATE TOTAL** 154,367 122,906 78.45 78.46 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Aggregate Other Alien **STATE TOTAL** 1,786 1,023 66.71 66.71 100.00 100.00

. .




34— Aggregate Write-Ins for Other Lines of Business



States, U.S. Territories, Canada, and Aggregate Other Alien34-Aggregate Write-Ins for Other Lines of Business



StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


1 10899 ASOC DE SUSCRIPCION CONJUNTA DEL SEG 203,321 203,642 53.67 53.67 14.37 14.372 98 WR BERKLEY CORP GRP 172,907 179,777 57.82 58.28 12.22 26.593 84 AMERICAN FINANCIAL GRP 103,224 183,229 13.02 13.52 7.29 33.884 212 ZURICH INS GRP 71,800 84,703 52.66 63.44 5.07 38.955 29378 OLD AMER CNTY MUT FIRE INS CO 69,773 69,773 0.00 0.00 4.93 43.886 18 AMERICAN ROAD GRP 61,805 61,805 59.51 59.51 4.37 48.257 4254 THE WARRANTY GRP 58,903 12,800 0.34 0.34 4.16 52.418 37869 PRE PAID LEGAL CAS INC 53,543 53,398 31.65 31.65 3.78 56.209 41 CITIGROUP GRP 50,989 72,875 105.95 105.95 3.60 59.8010 34738 ARAG INS CO 50,919 50,944 53.20 53.20 3.60 63.4011 281 JM FAMILY GRP 49,480 59,641 66.69 70.55 3.50 66.9012 3702 LOYA GRP 41,201 41,201 0.00 0.00 2.91 69.8113 1279 ARCH INS GRP 40,342 37,537 101.68 103.88 2.85 72.6614 1208 GRAY INS GRP 38,330 40,746 49.14 56.48 2.71 75.3715 140 NATIONWIDE CORP GRP 38,139 37,821 52.75 52.75 2.70 78.0616 31 BERKSHIRE HATHAWAY GRP 34,234 34,264 103.77 103.77 2.42 80.4817 26565 OHIO IND CO 23,382 23,437 65.14 66.89 1.65 82.1318 12 AMERICAN INTL GRP 20,975 27,681 62.78 62.78 1.48 83.6219 10906 COMMERCIAL ALLIANCE INS CO 19,385 19,955 25.77 33.57 1.37 84.9920 3483 PARTNERRE GRP 17,945 13,328 59.81 59.81 1.27 86.2521 626 ACE LTD GRP 17,614 24,374 93.72 94.56 1.24 87.5022 4071 RVI GRP 16,037 22,130 12.57 12.57 1.13 88.6323 8 ALLSTATE INS GRP 15,837 15,684 0.15 0.15 1.12 89.7524 761 ALLIANZ INS GRP 15,385 13,044 28.39 28.41 1.09 90.8425 984 HCC INS HOLDINGS GRP 14,274 1,458 -0.04 -0.04 1.01 91.8526 468 AEGON US HOLDING GRP 12,395 13,190 51.32 51.32 0.88 92.7227 176 STATE FARM GRP 10,263 11,202 92.44 92.44 0.73 93.4528 457 ARGONAUT GRP 9,199 12,013 113.75 113.75 0.65 94.1029 464 PHYSICIANS INS A MUT GRP 8,687 8,687 80.35 80.35 0.61 94.7130 1129 WHITE MOUNTAINS GRP 8,285 8,303 0.00 0.00 0.59 95.3031 3489 DELEK GRP 6,895 8,016 29.72 38.49 0.49 95.7832 3569 CATERPILLAR GRP 6,634 13,815 70.46 70.46 0.47 96.2533 1281 BANKAMERICA CORP GRP 5,898 5,898 30.63 30.63 0.42 96.6734 19 ASSURANT INC GRP 5,316 5,457 9.16 9.46 0.38 97.0535 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 5,235 4,993 49.17 49.17 0.37 97.4236 181 SWISS RE GRP 3,751 3,751 145.32 144.96 0.27 97.6837 26778 INTEGRAND ASSUR CO 3,569 3,679 38.07 39.23 0.25 97.9338 303 GUIDEONE INS GRP 3,181 3,180 44.37 44.37 0.22 98.1639 55 AUTOMOBILE CLUB MI GRP 3,133 3,237 37.71 39.41 0.22 98.3840 30082 CPA INS CO 2,287 2,287 25.01 25.01 0.16 98.5441 280 AUTO OWNERS GRP 2,184 0 N/A N/A 0.15 98.7042 905 THE LDS GRP 2,086 3,788 53.95 53.95 0.15 98.8443 359 AMERICAN MUT SHARE INS CORP GRP 1,826 1,826 1837.51 1837.51 0.13 98.9744 411 MAPFRE INS GRP 1,519 1,713 50.57 50.85 0.11 99.0845 15407 WOLVERINE MUT INS CO 1,432 1,412 41.08 45.34 0.10 99.1846 471 WELLS FARGO GRP 1,345 1,383 40.37 40.37 0.10 99.2847 3239 ALLIED WORLD ASSUR HOLDING GRP 1,258 145 59.15 65.00 0.09 99.3648 37621 TOYOTA MOTOR INS CO 1,102 1,870 19.67 19.67 0.08 99.4449 31240 COMMONWEALTH MUT INS CO OF AMER 1,102 1,119 16.56 25.41 0.08 99.5250 10817 PLATEAU CAS INS CO 869 781 61.55 61.55 0.06 99.5851 11021 INDIANA OLD NATL INS CO 750 750 0.00 0.00 0.05 99.6352 4485 SCF GRP 685 685 2697.20 2686.59 0.05 99.6853 40070 FARMERS MUT INS CO 624 640 31.61 38.29 0.04 99.7354 70 FIRST AMER TITLE GRP 356 356 0.00 0.00 0.03 99.7555 213 ERIE INS GRP 337 0 N/A N/A 0.02 99.7856 785 MARKEL CORP GRP 300 315 56.21 56.21 0.02 99.8057 12150 FIRST FOUNDERS ASSUR CO 300 283 11.00 17.96 0.02 99.8258 71 UNIVERSAL INS CO GRP 286 294 27.00 28.56 0.02 99.8459 203 VIRGINIA FARM BUREAU GRP 277 277 0.00 0.00 0.02 99.8660 3548 TRAVELERS GRP 275 216 -381.14 -445.12 0.02 99.8861 3478 HALLMARK FIN SERV GRP 247 273 0.00 0.00 0.02 99.89




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


**INDUSTRY TOTAL** 1,415,118 1,511,693 52.25 53.57 100.00 100.00








StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Alabama 1 98 WR BERKLEY CORP GRP 15,842 16,295 32.13 32.12 55.56 55.562 37869 PRE PAID LEGAL CAS INC 4,243 4,249 30.61 30.61 14.88 70.443 1208 GRAY INS GRP 1,489 1,970 31.30 35.98 5.22 75.664 84 AMERICAN FINANCIAL GRP 1,060 2,043 75.79 75.79 3.72 79.385 41 CITIGROUP GRP 969 1,600 128.81 128.81 3.40 82.776 281 JM FAMILY GRP 945 1,274 63.95 67.66 3.31 86.097 18 AMERICAN ROAD GRP 941 941 132.30 132.30 3.30 89.398 1279 ARCH INS GRP 801 801 28.57 33.26 2.81 92.209 10817 PLATEAU CAS INS CO 358 304 59.84 59.84 1.26 93.4510 303 GUIDEONE INS GRP 318 318 53.06 53.06 1.11 94.57

**STATE TOTAL** 28,513 31,261 43.87 44.43 100.00 100.00. .

Alaska 1 98 WR BERKLEY CORP GRP 1,354 1,351 23.63 23.63 65.42 65.422 84 AMERICAN FINANCIAL GRP 376 602 67.38 67.38 18.18 83.603 31 BERKSHIRE HATHAWAY GRP 201 201 16.26 16.26 9.69 93.294 18 AMERICAN ROAD GRP 50 50 0.79 0.79 2.41 95.705 468 AEGON US HOLDING GRP 47 47 3.35 3.35 2.29 98.006 281 JM FAMILY GRP 20 29 -0.93 -0.99 0.95 98.947 8 ALLSTATE INS GRP 11 10 0.00 0.00 0.55 99.498 1281 BANKAMERICA CORP GRP 7 7 0.00 0.00 0.34 99.83

**STATE TOTAL** 2,070 2,300 32.60 32.59 100.00 100.00. .

Arizona 1 37869 PRE PAID LEGAL CAS INC 11,251 11,275 34.68 34.68 57.77 57.772 98 WR BERKLEY CORP GRP 2,893 2,954 57.08 57.08 14.85 72.633 31 BERKSHIRE HATHAWAY GRP 1,184 1,186 33.33 33.33 6.08 78.714 4485 SCF GRP 685 685 2697.20 2686.59 3.52 82.225 84 AMERICAN FINANCIAL GRP 522 891 64.74 64.74 2.68 84.906 18 AMERICAN ROAD GRP 514 514 39.20 39.20 2.64 87.547 281 JM FAMILY GRP 471 917 165.15 174.71 2.42 89.978 8 ALLSTATE INS GRP 451 478 0.00 0.00 2.31 92.289 30082 CPA INS CO 408 408 14.84 14.84 2.09 94.3710 41 CITIGROUP GRP 251 825 171.00 171.00 1.29 95.66

**STATE TOTAL** 19,474 20,999 137.00 137.09 100.00 100.00. .

Arkansas 1 37869 PRE PAID LEGAL CAS INC 3,128 3,135 30.98 30.98 35.18 35.182 98 WR BERKLEY CORP GRP 2,684 2,730 -21.58 -21.58 30.19 65.383 84 AMERICAN FINANCIAL GRP 956 1,103 61.13 61.13 10.75 76.134 281 JM FAMILY GRP 626 931 100.21 106.01 7.04 83.185 18 AMERICAN ROAD GRP 525 525 14.28 14.28 5.91 89.086 1208 GRAY INS GRP 297 320 6.61 7.60 3.34 92.427 31 BERKSHIRE HATHAWAY GRP 266 266 21.91 21.91 2.99 95.418 468 AEGON US HOLDING GRP 140 140 16.10 16.10 1.58 96.999 8 ALLSTATE INS GRP 91 96 0.00 0.00 1.02 98.0110 19 ASSURANT INC GRP 60 60 -4.03 -4.03 0.67 98.68

**STATE TOTAL** 8,890 9,410 23.01 23.62 100.00 100.00. .

California 1 140 NATIONWIDE CORP GRP 38,139 37,821 52.75 52.75 34.79 34.792 84 AMERICAN FINANCIAL GRP 14,848 44,030 -211.46 -211.42 13.54 48.333 34738 ARAG INS CO 14,549 14,547 60.13 60.13 13.27 61.614 3702 LOYA GRP 8,061 8,061 0.00 0.00 7.35 68.965 31 BERKSHIRE HATHAWAY GRP 8,006 8,021 20.20 20.20 7.30 76.266 98 WR BERKLEY CORP GRP 4,514 4,868 72.94 73.25 4.12 80.387 26565 OHIO IND CO 4,270 4,283 20.11 20.11 3.90 84.288 18 AMERICAN ROAD GRP 3,018 3,018 19.82 19.82 2.75 87.039 281 JM FAMILY GRP 2,758 4,101 69.16 73.16 2.52 89.5410 1129 WHITE MOUNTAINS GRP 2,187 2,187 0.00 0.00 2.00 91.54

**STATE TOTAL** 109,625 143,497 -33.19 -33.03 100.00 100.00. .

Colorado 1 98 WR BERKLEY CORP GRP 2,441 2,578 40.09 40.09 28.21 28.212 281 JM FAMILY GRP 1,423 1,330 110.57 116.97 16.45 44.653 18 AMERICAN ROAD GRP 1,014 1,014 387.53 387.53 11.72 56.374 31 BERKSHIRE HATHAWAY GRP 583 584 59.75 59.75 6.74 63.115 12 AMERICAN INTL GRP 519 623 38.11 38.11 6.00 69.106 3702 LOYA GRP 496 496 0.00 0.00 5.73 74.837 34738 ARAG INS CO 451 451 41.75 41.75 5.21 80.04




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


8 84 AMERICAN FINANCIAL GRP 447 478 63.50 64.36 5.16 85.209 1129 WHITE MOUNTAINS GRP 439 439 0.00 0.00 5.07 90.2810 41 CITIGROUP GRP 342 996 203.75 203.75 3.95 94.23

**STATE TOTAL** 8,655 9,493 101.63 102.62 100.00 100.00. .

Connecticut 1 4071 RVI GRP 8,645 14,806 19.88 19.88 66.87 66.872 98 WR BERKLEY CORP GRP 1,485 1,899 111.00 111.00 11.49 78.363 84 AMERICAN FINANCIAL GRP 1,043 999 151.04 151.04 8.07 86.434 18 AMERICAN ROAD GRP 647 647 19.11 19.11 5.00 91.445 8 ALLSTATE INS GRP 378 395 -0.35 -0.35 2.92 94.366 26565 OHIO IND CO 215 60 -449.73 -223.82 1.66 96.027 31 BERKSHIRE HATHAWAY GRP 214 214 42.64 42.64 1.65 97.678 1129 WHITE MOUNTAINS GRP 169 169 0.00 0.00 1.31 98.989 281 JM FAMILY GRP 106 112 56.12 59.37 0.82 99.80

**STATE TOTAL** 12,927 19,327 34.05 34.78 100.00 100.00. .

Delaware 1 84 AMERICAN FINANCIAL GRP 1,807 1,274 178.28 178.28 59.95 59.952 98 WR BERKLEY CORP GRP 490 546 -11.34 -11.34 16.27 76.223 41 CITIGROUP GRP 132 294 56.89 56.89 4.39 80.614 34738 ARAG INS CO 101 99 61.52 61.52 3.37 83.985 31 BERKSHIRE HATHAWAY GRP 88 88 11.35 11.35 2.92 86.906 18 AMERICAN ROAD GRP 86 86 2.41 2.41 2.86 89.767 281 JM FAMILY GRP 59 79 65.11 68.88 1.96 91.728 19 ASSURANT INC GRP 55 55 -5.43 -5.43 1.82 93.559 12 AMERICAN INTL GRP 46 29 25.01 25.01 1.53 95.0810 8 ALLSTATE INS GRP 39 42 0.00 0.00 1.30 96.38

**STATE TOTAL** 3,014 2,676 93.65 93.77 100.00 100.00. .

District of Columbia 1 34738 ARAG INS CO 741 741 46.64 46.64 44.23 44.232 84 AMERICAN FINANCIAL GRP 627 627 -14.21 -14.21 37.41 81.633 31 BERKSHIRE HATHAWAY GRP 72 72 26.59 26.59 4.29 85.924 1281 BANKAMERICA CORP GRP 68 68 5.53 5.53 4.05 89.975 468 AEGON US HOLDING GRP 62 60 17.87 17.87 3.72 93.696 1279 ARCH INS GRP 51 46 15.90 15.53 3.04 96.747 19 ASSURANT INC GRP 21 21 15.16 15.17 1.23 97.978 8 ALLSTATE INS GRP 20 21 0.00 0.00 1.20 99.169 359 AMERICAN MUT SHARE INS CORP GRP 9 9 0.00 0.00 0.51 99.6810 771 AAA MID ATLANTIC INS GRP 3 3 0.00 0.00 0.16 99.84

**STATE TOTAL** 1,676 1,670 17.51 17.55 100.00 100.00. .

Florida 1 212 ZURICH INS GRP 71,800 84,703 52.66 63.44 53.01 53.012 761 ALLIANZ INS GRP 13,741 11,468 28.89 28.92 10.15 63.163 281 JM FAMILY GRP 10,457 12,782 67.93 71.87 7.72 70.884 34738 ARAG INS CO 7,897 7,902 57.97 57.97 5.83 76.715 98 WR BERKLEY CORP GRP 7,152 7,945 4.26 4.04 5.28 81.996 84 AMERICAN FINANCIAL GRP 4,281 4,632 102.31 102.52 3.16 85.157 1279 ARCH INS GRP 3,985 3,882 41.77 41.21 2.94 88.108 3569 CATERPILLAR GRP 3,223 8,156 70.58 70.58 2.38 90.489 18 AMERICAN ROAD GRP 3,166 3,166 15.11 15.11 2.34 92.8110 41 CITIGROUP GRP 1,818 2,482 119.87 119.87 1.34 94.16

**STATE TOTAL** 135,434 154,450 51.19 57.47 100.00 100.00. .

Georgia 1 37869 PRE PAID LEGAL CAS INC 14,545 14,569 29.73 29.73 37.40 37.402 98 WR BERKLEY CORP GRP 7,014 7,448 7.47 7.37 18.04 55.443 281 JM FAMILY GRP 3,859 5,258 89.95 95.16 9.92 65.364 84 AMERICAN FINANCIAL GRP 2,800 4,632 69.68 69.71 7.20 72.575 4071 RVI GRP 1,708 979 0.00 0.00 4.39 76.966 18 AMERICAN ROAD GRP 1,691 1,691 48.26 48.26 4.35 81.317 8 ALLSTATE INS GRP 1,274 922 -0.02 -0.02 3.28 84.598 34738 ARAG INS CO 1,168 1,168 39.13 39.13 3.00 87.599 41 CITIGROUP GRP 1,096 2,971 96.98 96.98 2.82 90.4110 31 BERKSHIRE HATHAWAY GRP 829 830 33.38 33.38 2.13 92.54

**STATE TOTAL** 38,887 44,197 47.90 48.61 100.00 100.00. .

Hawaii 1 41 CITIGROUP GRP 1,352 1,309 51.63 51.63 32.14 32.14




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


2 98 WR BERKLEY CORP GRP 825 964 20.32 20.32 19.62 51.763 84 AMERICAN FINANCIAL GRP 825 252 11.88 11.88 19.60 71.374 281 JM FAMILY GRP 432 633 56.25 59.51 10.27 81.645 31 BERKSHIRE HATHAWAY GRP 401 401 7.59 7.59 9.53 91.176 12 AMERICAN INTL GRP 127 166 50.63 50.63 3.02 94.197 1281 BANKAMERICA CORP GRP 87 87 -0.58 -0.58 2.07 96.268 18 AMERICAN ROAD GRP 58 58 363.40 363.40 1.39 97.649 468 AEGON US HOLDING GRP 55 55 -0.19 -0.19 1.32 98.9610 785 MARKEL CORP GRP 28 11 190.90 190.90 0.66 99.62

**STATE TOTAL** 4,207 3,952 40.25 40.76 100.00 100.00. .

Idaho 1 41 CITIGROUP GRP 397 460 99.67 99.67 22.07 22.072 31 BERKSHIRE HATHAWAY GRP 312 313 27.38 27.38 17.38 39.453 18 AMERICAN ROAD GRP 220 220 12.25 12.25 12.24 51.694 84 AMERICAN FINANCIAL GRP 215 394 39.59 39.59 11.95 63.645 98 WR BERKLEY CORP GRP 164 173 -27.28 -27.28 9.13 72.776 12 AMERICAN INTL GRP 159 141 75.86 75.86 8.87 81.647 8 ALLSTATE INS GRP 81 87 0.00 0.00 4.50 86.148 281 JM FAMILY GRP 72 138 51.88 54.88 4.02 90.169 471 WELLS FARGO GRP 58 58 73.98 73.98 3.23 93.3910 468 AEGON US HOLDING GRP 50 50 14.82 14.82 2.79 96.17

**STATE TOTAL** 1,797 2,103 43.87 44.07 100.00 100.00. .

Illinois 1 37869 PRE PAID LEGAL CAS INC 10,574 10,590 31.84 31.84 34.10 34.102 34738 ARAG INS CO 3,800 3,822 43.56 43.56 12.25 46.353 18 AMERICAN ROAD GRP 2,854 2,854 37.61 37.61 9.21 55.564 98 WR BERKLEY CORP GRP 2,723 3,533 57.53 59.99 8.78 64.345 84 AMERICAN FINANCIAL GRP 2,385 2,984 35.66 35.65 7.69 72.036 4254 THE WARRANTY GRP 2,068 1,749 0.00 0.00 6.67 78.707 12 AMERICAN INTL GRP 1,362 1,231 48.30 48.30 4.39 83.108 281 JM FAMILY GRP 1,262 1,648 56.09 59.34 4.07 87.179 31 BERKSHIRE HATHAWAY GRP 1,235 1,235 30.07 30.07 3.98 91.1510 8 ALLSTATE INS GRP 656 680 0.24 0.24 2.12 93.27

**STATE TOTAL** 31,008 32,745 34.37 34.80 100.00 100.00. .

Indiana 1 98 WR BERKLEY CORP GRP 2,971 3,068 41.58 41.58 23.96 23.962 84 AMERICAN FINANCIAL GRP 2,825 4,203 92.60 92.60 22.78 46.753 12 AMERICAN INTL GRP 1,349 1,429 67.13 67.13 10.88 57.634 18 AMERICAN ROAD GRP 1,027 1,027 -9.00 -9.00 8.28 65.915 41 CITIGROUP GRP 952 1,575 109.31 109.31 7.68 73.596 11021 INDIANA OLD NATL INS CO 750 750 0.00 0.00 6.05 79.647 31 BERKSHIRE HATHAWAY GRP 529 529 38.28 38.28 4.27 83.908 15407 WOLVERINE MUT INS CO 448 446 56.48 63.37 3.62 87.529 468 AEGON US HOLDING GRP 276 276 16.48 16.48 2.23 89.7510 8 ALLSTATE INS GRP 237 240 0.01 0.01 1.91 91.66

**STATE TOTAL** 12,400 14,754 58.90 59.18 100.00 100.00. .

Iowa 1 98 WR BERKLEY CORP GRP 1,492 1,462 43.66 43.66 28.56 28.562 34738 ARAG INS CO 769 771 40.67 40.67 14.71 43.273 18 AMERICAN ROAD GRP 740 740 10.27 10.27 14.16 57.434 31 BERKSHIRE HATHAWAY GRP 652 652 16.43 16.43 12.48 69.915 41 CITIGROUP GRP 646 1,013 180.12 180.12 12.36 82.276 281 JM FAMILY GRP 343 357 44.49 47.07 6.57 88.847 84 AMERICAN FINANCIAL GRP 206 322 36.85 36.85 3.95 92.798 471 WELLS FARGO GRP 83 84 64.65 64.65 1.59 94.389 30082 CPA INS CO 79 80 -52.64 -52.64 1.52 95.9010 3548 TRAVELERS GRP 75 59 84.04 89.65 1.44 97.34

**STATE TOTAL** 5,226 5,891 57.60 57.81 100.00 100.00. .

Kansas 1 98 WR BERKLEY CORP GRP 2,643 2,735 57.22 57.22 33.06 33.062 84 AMERICAN FINANCIAL GRP 1,281 1,397 91.74 91.74 16.02 49.083 18 AMERICAN ROAD GRP 1,094 1,094 267.07 267.07 13.69 62.774 181 SWISS RE GRP 914 914 107.34 111.19 11.43 74.205 41 CITIGROUP GRP 701 811 89.57 89.57 8.77 82.986 31 BERKSHIRE HATHAWAY GRP 467 467 18.60 18.60 5.84 88.82




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 8 ALLSTATE INS GRP 241 242 0.00 0.00 3.02 91.848 12 AMERICAN INTL GRP 155 232 30.21 30.21 1.93 93.779 281 JM FAMILY GRP 140 184 144.57 152.95 1.75 95.5210 468 AEGON US HOLDING GRP 87 87 11.90 11.90 1.08 96.61

**STATE TOTAL** 7,994 8,435 94.37 95.04 100.00 100.00. .

Kentucky 1 98 WR BERKLEY CORP GRP 1,806 2,144 29.82 29.58 34.25 34.252 84 AMERICAN FINANCIAL GRP 816 766 62.62 62.62 15.49 49.743 18 AMERICAN ROAD GRP 737 737 40.15 40.15 13.98 63.724 41 CITIGROUP GRP 665 654 130.52 130.52 12.62 76.345 31 BERKSHIRE HATHAWAY GRP 412 412 20.50 20.50 7.82 84.166 281 JM FAMILY GRP 339 330 68.61 72.58 6.43 90.597 12 AMERICAN INTL GRP 296 240 41.33 41.33 5.61 96.208 468 AEGON US HOLDING GRP 172 172 3.93 3.93 3.27 99.47

**STATE TOTAL** 5,272 5,475 33.33 33.10 100.00 100.00. .

Louisiana 1 1208 GRAY INS GRP 24,171 25,735 37.78 43.43 60.47 60.472 98 WR BERKLEY CORP GRP 5,762 5,777 209.45 209.57 14.41 74.883 3569 CATERPILLAR GRP 3,412 5,658 70.30 70.30 8.53 83.414 761 ALLIANZ INS GRP 1,512 1,454 26.26 26.26 3.78 87.205 84 AMERICAN FINANCIAL GRP 1,405 1,697 46.04 46.13 3.51 90.716 18 AMERICAN ROAD GRP 1,356 1,356 81.90 81.90 3.39 94.107 41 CITIGROUP GRP 442 1,015 47.75 47.75 1.10 95.218 281 JM FAMILY GRP 329 543 105.80 111.92 0.82 96.039 31 BERKSHIRE HATHAWAY GRP 300 300 21.00 21.00 0.75 96.7810 1279 ARCH INS GRP 275 182 59.96 59.85 0.69 97.47

**STATE TOTAL** 39,975 44,716 65.37 68.69 100.00 100.00. .

Maine 1 84 AMERICAN FINANCIAL GRP 871 971 56.60 56.60 38.73 38.732 98 WR BERKLEY CORP GRP 582 562 44.35 44.35 25.90 64.633 281 JM FAMILY GRP 171 171 53.27 56.35 7.59 72.224 18 AMERICAN ROAD GRP 165 165 16.70 16.70 7.32 79.555 41 CITIGROUP GRP 134 286 163.71 163.71 5.97 85.526 785 MARKEL CORP GRP 96 84 59.59 59.59 4.29 89.817 31 BERKSHIRE HATHAWAY GRP 66 66 16.66 16.66 2.92 92.728 8 ALLSTATE INS GRP 65 66 0.00 0.00 2.90 95.629 26565 OHIO IND CO 59 50 79.30 86.49 2.64 98.2610 359 AMERICAN MUT SHARE INS CORP GRP 27 27 0.00 0.00 1.18 99.44

**STATE TOTAL** 2,248 2,469 61.62 61.97 100.00 100.00. .

Maryland 1 98 WR BERKLEY CORP GRP 1,936 1,920 108.40 108.62 22.59 22.592 281 JM FAMILY GRP 1,876 1,981 91.87 97.19 21.88 44.483 84 AMERICAN FINANCIAL GRP 1,439 2,402 39.34 39.34 16.80 61.274 31240 COMMONWEALTH MUT INS CO OF AMER 1,102 1,119 16.56 25.41 12.86 74.135 18 AMERICAN ROAD GRP 700 700 11.91 11.91 8.17 82.306 8 ALLSTATE INS GRP 358 355 1.48 1.48 4.18 86.487 31 BERKSHIRE HATHAWAY GRP 321 321 40.73 40.73 3.74 90.238 41 CITIGROUP GRP 201 666 215.89 215.89 2.34 92.579 303 GUIDEONE INS GRP 197 197 45.65 45.65 2.29 94.8610 19 ASSURANT INC GRP 88 88 2.21 2.22 1.02 95.89

**STATE TOTAL** 8,570 8,986 77.86 80.18 100.00 100.00. .

Massachusetts 1 98 WR BERKLEY CORP GRP 7,293 7,415 87.81 87.83 43.43 43.432 84 AMERICAN FINANCIAL GRP 3,409 3,522 71.15 71.15 20.30 63.743 181 SWISS RE GRP 2,587 2,587 184.50 184.50 15.41 79.144 34738 ARAG INS CO 1,796 1,794 38.58 38.58 10.69 89.835 18 AMERICAN ROAD GRP 1,149 1,149 41.93 41.93 6.84 96.68

**STATE TOTAL** 16,792 17,155 96.89 96.99 100.00 100.00. .

Michigan 1 4254 THE WARRANTY GRP 55,730 11,100 0.39 0.39 67.61 67.612 98 WR BERKLEY CORP GRP 7,299 7,960 -43.23 -43.36 8.85 76.473 84 AMERICAN FINANCIAL GRP 5,434 24,363 70.35 70.33 6.59 83.064 55 AUTOMOBILE CLUB MI GRP 3,133 3,237 37.71 39.41 3.80 86.865 18 AMERICAN ROAD GRP 3,109 3,109 27.60 27.60 3.77 90.636 280 AUTO OWNERS GRP 2,159 0 N/A N/A 2.62 93.25




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 34738 ARAG INS CO 1,671 1,660 54.85 54.85 2.03 95.288 15407 WOLVERINE MUT INS CO 984 966 33.97 37.02 1.19 96.479 31 BERKSHIRE HATHAWAY GRP 911 911 24.34 24.34 1.11 97.5810 468 AEGON US HOLDING GRP 645 498 52.43 52.43 0.78 98.36

**STATE TOTAL** 82,427 55,336 32.64 32.77 100.00 100.00. .

Minnesota 1 41 CITIGROUP GRP 1,037 992 211.28 211.28 20.06 20.062 18 AMERICAN ROAD GRP 821 821 29.56 29.56 15.89 35.953 31 BERKSHIRE HATHAWAY GRP 809 809 44.65 44.65 15.66 51.614 98 WR BERKLEY CORP GRP 779 841 -33.83 -33.83 15.08 66.685 84 AMERICAN FINANCIAL GRP 658 762 40.63 40.63 12.74 79.436 281 JM FAMILY GRP 417 691 54.20 57.34 8.08 87.507 1129 WHITE MOUNTAINS GRP 233 233 0.00 0.00 4.50 92.018 34738 ARAG INS CO 175 175 35.60 35.60 3.39 95.409 8 ALLSTATE INS GRP 171 177 -0.40 -0.40 3.30 98.7010 359 AMERICAN MUT SHARE INS CORP GRP 45 45 0.00 0.00 0.88 99.58

**STATE TOTAL** 5,167 5,570 56.85 57.24 100.00 100.00. .

Mississippi 1 98 WR BERKLEY CORP GRP 3,498 3,555 39.86 39.37 28.27 28.272 37869 PRE PAID LEGAL CAS INC 2,309 2,315 30.76 30.76 18.66 46.933 905 THE LDS GRP 2,086 3,788 53.95 53.95 16.86 63.794 1208 GRAY INS GRP 1,907 2,039 37.80 43.45 15.41 79.205 18 AMERICAN ROAD GRP 822 822 46.36 46.36 6.64 85.846 281 JM FAMILY GRP 624 925 109.90 116.26 5.04 90.887 84 AMERICAN FINANCIAL GRP 526 692 118.37 118.37 4.25 95.138 31 BERKSHIRE HATHAWAY GRP 134 134 23.67 23.67 1.08 96.229 468 AEGON US HOLDING GRP 125 125 15.51 15.51 1.01 97.2310 8 ALLSTATE INS GRP 100 101 0.00 0.00 0.81 98.03

**STATE TOTAL** 12,373 15,375 48.54 49.56 100.00 100.00. .

Missouri 1 98 WR BERKLEY CORP GRP 5,461 5,513 42.80 43.91 38.81 38.812 84 AMERICAN FINANCIAL GRP 2,576 2,787 81.89 81.90 18.31 57.123 18 AMERICAN ROAD GRP 2,132 2,132 48.16 48.16 15.16 72.274 281 JM FAMILY GRP 957 810 59.78 63.24 6.80 79.075 31 BERKSHIRE HATHAWAY GRP 850 850 23.36 23.36 6.04 85.116 41 CITIGROUP GRP 519 770 115.11 115.11 3.69 88.807 8 ALLSTATE INS GRP 293 311 0.00 0.00 2.08 90.888 26565 OHIO IND CO 217 138 77.11 95.87 1.54 92.439 12 AMERICAN INTL GRP 204 284 89.42 89.42 1.45 93.8810 471 WELLS FARGO GRP 192 192 37.65 37.65 1.37 95.24

**STATE TOTAL** 14,070 14,576 54.20 55.08 100.00 100.00. .

Montana 1 37869 PRE PAID LEGAL CAS INC 991 995 32.23 32.23 39.53 39.532 281 JM FAMILY GRP 456 238 28.65 30.31 18.17 57.703 41 CITIGROUP GRP 351 441 49.42 49.42 14.01 71.714 31 BERKSHIRE HATHAWAY GRP 185 186 15.02 15.02 7.39 79.115 18 AMERICAN ROAD GRP 164 164 20.45 20.45 6.54 85.656 84 AMERICAN FINANCIAL GRP 144 317 2.93 2.93 5.73 91.387 98 WR BERKLEY CORP GRP 64 127 614.51 614.51 2.57 93.958 8 ALLSTATE INS GRP 42 42 0.00 0.00 1.66 95.619 468 AEGON US HOLDING GRP 39 39 5.85 5.85 1.54 97.1610 1281 BANKAMERICA CORP GRP 28 28 49.72 49.72 1.11 98.27

**STATE TOTAL** 2,508 2,618 56.93 57.07 100.00 100.00. .

Nebraska 1 98 WR BERKLEY CORP GRP 1,653 1,795 52.16 52.16 26.37 26.372 31 BERKSHIRE HATHAWAY GRP 1,012 1,013 17.42 17.42 16.15 42.523 18 AMERICAN ROAD GRP 795 795 98.11 98.11 12.68 55.214 84 AMERICAN FINANCIAL GRP 788 707 16.29 16.29 12.58 67.785 37869 PRE PAID LEGAL CAS INC 604 602 28.37 28.37 9.63 77.416 41 CITIGROUP GRP 425 722 51.81 51.81 6.77 84.197 8 ALLSTATE INS GRP 214 198 0.00 0.00 3.42 87.618 3548 TRAVELERS GRP 200 157 80.12 85.40 3.19 90.809 468 AEGON US HOLDING GRP 149 128 18.41 18.41 2.38 93.1810 34738 ARAG INS CO 135 135 50.77 50.77 2.16 95.34

**STATE TOTAL** 6,267 6,631 42.50 42.62 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Nevada 1 98 WR BERKLEY CORP GRP 2,825 2,948 38.30 38.38 43.50 43.50

2 468 AEGON US HOLDING GRP 1,370 1,958 41.25 41.25 21.10 64.603 281 JM FAMILY GRP 504 463 35.32 37.37 7.76 72.364 31 BERKSHIRE HATHAWAY GRP 386 388 59.61 59.61 5.95 78.315 84 AMERICAN FINANCIAL GRP 341 452 6.73 6.73 5.25 83.566 18 AMERICAN ROAD GRP 274 274 9.37 9.37 4.21 87.777 1129 WHITE MOUNTAINS GRP 208 208 0.00 0.00 3.20 90.968 359 AMERICAN MUT SHARE INS CORP GRP 160 160 20168.03 20168.03 2.46 93.439 8 ALLSTATE INS GRP 144 152 0.00 0.00 2.22 95.6410 41 CITIGROUP GRP 104 116 50.01 50.01 1.61 97.25

**STATE TOTAL** 6,494 7,137 488.25 488.46 100.00 100.00. .

New Hampshire 1 98 WR BERKLEY CORP GRP 2,859 2,776 42.67 42.67 67.53 67.532 84 AMERICAN FINANCIAL GRP 655 642 53.22 53.22 15.47 83.003 18 AMERICAN ROAD GRP 346 346 52.91 52.91 8.18 91.184 8 ALLSTATE INS GRP 134 137 0.00 0.00 3.16 94.345 31 BERKSHIRE HATHAWAY GRP 76 76 45.31 45.31 1.80 96.146 26565 OHIO IND CO 74 119 122.52 138.44 1.74 97.887 41 CITIGROUP GRP 49 49 340.66 340.66 1.17 99.058 1281 BANKAMERICA CORP GRP 23 23 13.32 13.32 0.54 99.59

**STATE TOTAL** 4,234 4,215 49.34 49.79 100.00 100.00. .

New Jersey 1 98 WR BERKLEY CORP GRP 2,375 2,467 38.82 41.30 16.45 16.452 18 AMERICAN ROAD GRP 1,989 1,989 53.88 53.88 13.77 30.223 84 AMERICAN FINANCIAL GRP 1,803 4,589 34.40 35.70 12.49 42.714 41 CITIGROUP GRP 1,465 1,520 101.34 101.34 10.14 52.855 303 GUIDEONE INS GRP 1,280 1,280 46.01 46.01 8.87 61.726 1279 ARCH INS GRP 1,104 714 28.20 32.14 7.65 69.377 281 JM FAMILY GRP 1,064 1,296 59.56 63.01 7.37 76.748 1281 BANKAMERICA CORP GRP 930 930 17.15 17.15 6.44 83.189 8 ALLSTATE INS GRP 649 650 -0.06 -0.07 4.50 87.6810 31 BERKSHIRE HATHAWAY GRP 522 522 34.81 34.81 3.61 91.29

**STATE TOTAL** 14,439 17,178 43.00 44.26 100.00 100.00. .

New Mexico 1 34738 ARAG INS CO 2,753 2,758 58.00 58.00 28.32 28.322 98 WR BERKLEY CORP GRP 2,440 2,364 47.23 47.23 25.11 53.423 41 CITIGROUP GRP 1,198 1,130 46.03 46.03 12.32 65.744 84 AMERICAN FINANCIAL GRP 1,184 1,314 81.50 81.50 12.18 77.935 18 AMERICAN ROAD GRP 535 535 74.92 74.92 5.50 83.436 3702 LOYA GRP 460 460 0.00 0.00 4.73 88.167 31 BERKSHIRE HATHAWAY GRP 360 361 16.11 16.11 3.70 91.878 12 AMERICAN INTL GRP 266 275 26.79 26.79 2.73 94.609 30082 CPA INS CO 237 237 23.43 23.43 2.44 97.0410 468 AEGON US HOLDING GRP 103 103 8.15 8.15 1.06 98.09

**STATE TOTAL** 9,721 9,744 50.41 50.42 100.00 100.00. .

New York 1 984 HCC INS HOLDINGS GRP 13,150 1,512 0.00 0.00 39.12 39.122 98 WR BERKLEY CORP GRP 6,708 6,609 243.91 245.02 19.95 59.073 84 AMERICAN FINANCIAL GRP 4,350 4,541 -228.61 -228.64 12.94 72.014 18 AMERICAN ROAD GRP 2,587 2,587 46.87 46.87 7.70 79.715 26565 OHIO IND CO 2,332 2,209 89.91 89.89 6.94 86.646 8 ALLSTATE INS GRP 1,607 1,661 0.03 0.03 4.78 91.427 4071 RVI GRP 882 313 23.33 23.33 2.62 94.058 1129 WHITE MOUNTAINS GRP 506 506 0.00 0.00 1.50 95.559 303 GUIDEONE INS GRP 440 440 43.33 43.33 1.31 96.8610 31 BERKSHIRE HATHAWAY GRP 285 283 94.97 94.97 0.85 97.71

**STATE TOTAL** 33,618 21,405 47.86 48.21 100.00 100.00. .

North Carolina 1 98 WR BERKLEY CORP GRP 7,618 7,993 83.73 83.83 29.89 29.892 41 CITIGROUP GRP 5,117 5,754 66.06 66.06 20.08 49.973 34738 ARAG INS CO 2,883 2,884 48.87 48.87 11.31 61.284 281 JM FAMILY GRP 2,663 3,210 75.50 79.87 10.45 71.735 18 AMERICAN ROAD GRP 2,133 2,133 13.38 13.38 8.37 80.106 84 AMERICAN FINANCIAL GRP 1,364 2,416 81.57 81.62 5.35 85.45




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


7 12 AMERICAN INTL GRP 1,191 1,630 135.33 135.33 4.67 90.128 984 HCC INS HOLDINGS GRP 664 -302 N/A N/A 2.60 92.739 31 BERKSHIRE HATHAWAY GRP 526 526 44.74 44.74 2.06 94.7910 8 ALLSTATE INS GRP 438 448 0.00 0.00 1.72 96.51

**STATE TOTAL** 25,487 27,373 69.90 70.45 100.00 100.00. .

North Dakota 1 41 CITIGROUP GRP 183 381 37.18 37.18 32.07 32.072 31 BERKSHIRE HATHAWAY GRP 143 143 5.51 5.51 25.03 57.103 18 AMERICAN ROAD GRP 96 96 57.96 57.96 16.86 73.964 84 AMERICAN FINANCIAL GRP 55 77 25.88 25.88 9.65 83.615 281 JM FAMILY GRP 31 38 136.33 144.23 5.41 89.026 468 AEGON US HOLDING GRP 18 18 2.14 2.14 3.16 92.187 26565 OHIO IND CO 17 7 61.23 62.48 3.04 95.228 359 AMERICAN MUT SHARE INS CORP GRP 17 17 0.00 0.00 2.94 98.169 1281 BANKAMERICA CORP GRP 5 5 0.00 0.00 0.85 99.0110 30082 CPA INS CO 2 2 0.00 0.00 0.42 99.43

**STATE TOTAL** 571 788 32.90 33.29 100.00 100.00. .

Ohio 1 98 WR BERKLEY CORP GRP 13,825 14,418 75.73 75.77 32.48 32.482 84 AMERICAN FINANCIAL GRP 6,453 6,447 51.46 51.05 15.16 47.643 26565 OHIO IND CO 6,371 6,739 72.04 72.20 14.97 62.614 34738 ARAG INS CO 4,059 4,062 44.89 44.89 9.54 72.155 4071 RVI GRP 2,517 2,490 13.75 13.75 5.91 78.066 41 CITIGROUP GRP 2,303 4,383 100.73 100.73 5.41 83.477 18 AMERICAN ROAD GRP 1,844 1,844 26.25 26.25 4.33 87.808 31 BERKSHIRE HATHAWAY GRP 1,061 1,061 32.82 32.82 2.49 90.309 281 JM FAMILY GRP 1,058 949 49.05 51.90 2.48 92.7810 12 AMERICAN INTL GRP 722 988 65.29 65.29 1.70 94.48

**STATE TOTAL** 42,564 45,784 60.27 60.32 100.00 100.00. .

Oklahoma 1 98 WR BERKLEY CORP GRP 7,402 7,297 125.59 125.59 48.84 48.842 84 AMERICAN FINANCIAL GRP 2,468 2,170 82.40 82.40 16.29 65.133 18 AMERICAN ROAD GRP 1,668 1,668 190.70 190.70 11.01 76.134 1208 GRAY INS GRP 920 975 71.17 81.80 6.07 82.205 281 JM FAMILY GRP 632 566 58.20 61.57 4.17 86.376 1279 ARCH INS GRP 622 622 27.97 32.56 4.10 90.487 37869 PRE PAID LEGAL CAS INC 316 316 23.45 23.45 2.09 92.568 31 BERKSHIRE HATHAWAY GRP 225 224 4.54 4.54 1.48 94.059 28681 UNION MUT INS CO 221 217 75.92 78.07 1.46 95.5110 41 CITIGROUP GRP 162 801 48.89 48.89 1.07 96.58

**STATE TOTAL** 15,154 15,382 104.43 105.45 100.00 100.00. .

Oregon 1 464 PHYSICIANS INS A MUT GRP 5,147 5,147 90.65 90.65 40.29 40.292 84 AMERICAN FINANCIAL GRP 1,304 1,577 28.76 28.76 10.21 50.503 98 WR BERKLEY CORP GRP 1,146 1,304 66.18 68.41 8.97 59.474 281 JM FAMILY GRP 1,116 1,805 17.70 18.73 8.74 68.215 37621 TOYOTA MOTOR INS CO 1,097 1,792 20.23 20.23 8.59 76.796 31 BERKSHIRE HATHAWAY GRP 683 683 26.16 26.16 5.34 82.147 34738 ARAG INS CO 641 641 57.40 57.40 5.02 87.158 468 AEGON US HOLDING GRP 494 394 59.72 59.72 3.87 91.029 18 AMERICAN ROAD GRP 397 397 -2.03 -2.03 3.10 94.1210 8 ALLSTATE INS GRP 275 292 0.00 0.00 2.16 96.28

**STATE TOTAL** 12,775 14,556 53.18 53.50 100.00 100.00. .

Pennsylvania 1 98 WR BERKLEY CORP GRP 7,365 7,504 54.33 54.29 35.06 35.062 84 AMERICAN FINANCIAL GRP 2,477 2,279 46.13 46.17 11.79 46.853 41 CITIGROUP GRP 2,250 4,367 129.42 129.42 10.71 57.564 18 AMERICAN ROAD GRP 2,123 2,123 18.96 18.96 10.11 67.665 8 ALLSTATE INS GRP 1,668 1,669 0.00 0.00 7.94 75.606 281 JM FAMILY GRP 1,543 1,427 50.84 53.78 7.35 82.957 12 AMERICAN INTL GRP 690 665 136.73 136.73 3.28 86.238 1129 WHITE MOUNTAINS GRP 627 627 0.00 0.00 2.98 89.229 4071 RVI GRP 594 1,020 10.11 10.11 2.83 92.0510 34738 ARAG INS CO 581 586 30.83 30.83 2.77 94.81

**STATE TOTAL** 21,010 23,182 57.86 58.04 100.00 100.00




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


. .Rhode Island 1 26565 OHIO IND CO 5,868 5,454 95.25 98.53 78.01 78.01

2 303 GUIDEONE INS GRP 493 493 37.13 37.13 6.55 84.563 98 WR BERKLEY CORP GRP 352 354 12.81 12.81 4.68 89.244 84 AMERICAN FINANCIAL GRP 234 245 42.97 43.25 3.12 92.355 281 JM FAMILY GRP 147 149 80.13 84.78 1.96 94.316 8 ALLSTATE INS GRP 134 137 0.00 0.00 1.79 96.097 18 AMERICAN ROAD GRP 112 112 10.14 10.14 1.49 97.588 31 BERKSHIRE HATHAWAY GRP 72 72 52.18 52.18 0.96 98.549 1281 BANKAMERICA CORP GRP 39 39 66.35 66.35 0.52 99.0710 468 AEGON US HOLDING GRP 36 36 12.20 12.20 0.48 99.54

**STATE TOTAL** 7,521 7,219 81.12 83.70 100.00 100.00. .

South Carolina 1 98 WR BERKLEY CORP GRP 2,560 2,715 61.54 79.77 27.26 27.262 41 CITIGROUP GRP 2,032 2,517 135.79 135.79 21.64 48.903 281 JM FAMILY GRP 1,588 1,836 72.95 77.18 16.91 65.814 18 AMERICAN ROAD GRP 772 772 -2.47 -2.47 8.22 74.035 84 AMERICAN FINANCIAL GRP 579 713 67.21 67.96 6.17 80.206 12 AMERICAN INTL GRP 561 487 76.03 76.03 5.98 86.187 8 ALLSTATE INS GRP 379 385 0.02 0.02 4.04 90.218 31 BERKSHIRE HATHAWAY GRP 291 291 47.32 47.32 3.10 93.319 468 AEGON US HOLDING GRP 183 186 15.20 15.20 1.95 95.2610 984 HCC INS HOLDINGS GRP 143 98 0.00 0.00 1.52 96.78

**STATE TOTAL** 9,391 10,302 72.23 77.84 100.00 100.00. .

South Dakota 1 98 WR BERKLEY CORP GRP 419 357 21.34 21.34 29.90 29.902 18 AMERICAN ROAD GRP 226 226 39.82 39.82 16.12 46.023 84 AMERICAN FINANCIAL GRP 222 203 83.77 83.77 15.82 61.844 41 CITIGROUP GRP 219 233 54.30 54.30 15.63 77.485 31 BERKSHIRE HATHAWAY GRP 188 188 11.42 11.42 13.41 90.886 281 JM FAMILY GRP 57 101 47.59 50.34 4.04 94.937 468 AEGON US HOLDING GRP 35 35 17.46 17.46 2.51 97.438 12 AMERICAN INTL GRP 15 24 19.55 19.55 1.10 98.549 30082 CPA INS CO 11 11 0.00 0.00 0.77 99.3110 1281 BANKAMERICA CORP GRP 6 6 146.46 146.46 0.42 99.73

**STATE TOTAL** 1,401 1,387 39.68 39.88 100.00 100.00. .

Tennessee 1 98 WR BERKLEY CORP GRP 2,797 2,973 -16.14 -14.96 26.03 26.032 37869 PRE PAID LEGAL CAS INC 1,777 1,536 36.46 36.46 16.53 42.563 18 AMERICAN ROAD GRP 1,129 1,129 40.80 40.80 10.51 53.074 84 AMERICAN FINANCIAL GRP 983 1,505 30.67 30.67 9.15 62.225 281 JM FAMILY GRP 903 4,378 43.27 45.77 8.40 70.626 41 CITIGROUP GRP 867 1,974 87.19 87.19 8.07 78.697 31 BERKSHIRE HATHAWAY GRP 505 505 24.16 24.16 4.70 83.398 468 AEGON US HOLDING GRP 346 322 28.33 28.33 3.22 86.619 8 ALLSTATE INS GRP 258 276 0.00 0.00 2.40 89.0110 12 AMERICAN INTL GRP 185 187 51.58 51.58 1.72 90.73

**STATE TOTAL** 10,747 15,738 33.52 34.55 100.00 100.00. .

Texas 1 29378 OLD AMER CNTY MUT FIRE INS CO 69,773 69,773 0.00 0.00 43.02 43.022 3702 LOYA GRP 32,185 32,185 0.00 0.00 19.84 62.863 84 AMERICAN FINANCIAL GRP 12,495 17,901 59.81 64.55 7.70 70.564 18 AMERICAN ROAD GRP 9,319 9,319 90.06 90.06 5.75 76.315 98 WR BERKLEY CORP GRP 8,602 8,831 75.62 75.72 5.30 81.616 1208 GRAY INS GRP 8,326 8,422 79.19 91.02 5.13 86.757 3489 DELEK GRP 6,895 8,016 29.72 38.49 4.25 91.008 41 CITIGROUP GRP 4,148 7,814 153.55 153.55 2.56 93.569 26565 OHIO IND CO 2,521 2,317 47.34 47.74 1.55 95.1110 468 AEGON US HOLDING GRP 1,885 1,069 79.59 79.59 1.16 96.27

**STATE TOTAL** 162,194 171,815 29.40 30.87 100.00 100.00. .

Utah 1 84 AMERICAN FINANCIAL GRP 1,326 1,303 56.54 56.54 29.54 29.542 98 WR BERKLEY CORP GRP 1,267 1,308 -30.81 -30.81 28.22 57.763 31 BERKSHIRE HATHAWAY GRP 750 750 15.05 15.05 16.70 74.464 41 CITIGROUP GRP 285 322 88.57 88.57 6.35 80.81




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


5 8 ALLSTATE INS GRP 167 174 -0.00 -0.00 3.72 84.536 18 AMERICAN ROAD GRP 136 136 2.62 2.62 3.04 87.577 303 GUIDEONE INS GRP 131 131 35.54 35.54 2.93 90.508 12 AMERICAN INTL GRP 108 143 19.39 19.39 2.41 92.919 468 AEGON US HOLDING GRP 95 60 23.28 23.28 2.11 95.0210 1281 BANKAMERICA CORP GRP 88 88 14.47 14.47 1.96 96.98

**STATE TOTAL** 4,490 4,554 20.45 20.58 100.00 100.00. .

Vermont 1 98 WR BERKLEY CORP GRP 724 723 27.47 27.47 61.82 61.822 18 AMERICAN ROAD GRP 172 172 39.88 39.88 14.65 76.473 26565 OHIO IND CO 101 88 61.09 62.77 8.65 85.124 84 AMERICAN FINANCIAL GRP 73 133 70.95 70.95 6.26 91.375 8 ALLSTATE INS GRP 45 45 0.00 0.00 3.83 95.206 281 JM FAMILY GRP 38 37 49.96 52.85 3.25 98.457 785 MARKEL CORP GRP 15 15 154.65 154.65 1.30 99.76

**STATE TOTAL** 1,172 1,215 37.90 38.11 100.00 100.00. .

Virginia 1 98 WR BERKLEY CORP GRP 2,967 3,109 -52.08 -52.72 20.91 20.912 281 JM FAMILY GRP 2,184 2,214 59.02 62.44 15.40 36.313 41 CITIGROUP GRP 1,323 1,259 252.45 252.45 9.33 45.644 176 STATE FARM GRP 1,278 1,278 0.00 0.00 9.01 54.655 31 BERKSHIRE HATHAWAY GRP 1,209 1,210 17.96 17.96 8.53 63.176 84 AMERICAN FINANCIAL GRP 975 1,639 9.00 9.00 6.87 70.047 18 AMERICAN ROAD GRP 799 799 16.16 16.16 5.63 75.688 34738 ARAG INS CO 713 712 30.65 30.65 5.02 80.709 8 ALLSTATE INS GRP 677 687 0.00 0.00 4.77 85.4810 12 AMERICAN INTL GRP 410 515 120.35 120.35 2.89 88.36

**STATE TOTAL** 14,185 14,670 30.17 30.57 100.00 100.00. .

Washington 1 34738 ARAG INS CO 5,591 5,591 58.08 58.08 28.13 28.132 98 WR BERKLEY CORP GRP 4,361 4,463 56.57 56.57 21.94 50.063 464 PHYSICIANS INS A MUT GRP 3,539 3,539 65.38 65.38 17.81 67.874 31 BERKSHIRE HATHAWAY GRP 1,417 1,417 23.81 23.81 7.13 75.005 84 AMERICAN FINANCIAL GRP 1,339 1,551 83.94 83.90 6.74 81.736 41 CITIGROUP GRP 989 1,186 99.54 99.54 4.98 86.717 1279 ARCH INS GRP 814 814 30.03 34.03 4.09 90.808 12 AMERICAN INTL GRP 364 332 205.51 205.51 1.83 92.639 18 AMERICAN ROAD GRP 364 364 20.43 20.43 1.83 94.4610 8 ALLSTATE INS GRP 224 202 0.00 0.00 1.13 95.59

**STATE TOTAL** 19,878 20,448 62.34 62.94 100.00 100.00. .

West Virginia 1 41 CITIGROUP GRP 1,029 1,664 57.77 57.77 25.05 25.052 40070 FARMERS MUT INS CO 624 640 31.61 38.29 15.19 40.243 84 AMERICAN FINANCIAL GRP 537 521 99.13 99.13 13.08 53.324 18 AMERICAN ROAD GRP 504 504 4.81 4.81 12.28 65.615 98 WR BERKLEY CORP GRP 401 378 21.64 21.64 9.77 75.376 1279 ARCH INS GRP 337 337 30.09 35.02 8.21 83.587 31 BERKSHIRE HATHAWAY GRP 169 169 9.04 9.04 4.12 87.718 12 AMERICAN INTL GRP 118 115 53.86 53.86 2.88 90.599 468 AEGON US HOLDING GRP 98 97 17.64 17.64 2.38 92.9610 4339 FARMERS & MECHANICS MUT GRP 92 91 -0.11 -0.11 2.24 95.20

**STATE TOTAL** 4,106 4,856 41.71 42.98 100.00 100.00. .

Wisconsin 1 37869 PRE PAID LEGAL CAS INC 3,041 3,046 30.84 30.84 28.65 28.652 281 JM FAMILY GRP 1,488 1,388 51.68 54.68 14.02 42.683 31 BERKSHIRE HATHAWAY GRP 1,350 1,350 20.93 20.93 12.72 55.394 41 CITIGROUP GRP 1,021 1,878 85.49 85.49 9.61 65.015 18 AMERICAN ROAD GRP 920 920 23.32 23.32 8.67 73.676 84 AMERICAN FINANCIAL GRP 861 989 45.84 45.97 8.12 81.797 98 WR BERKLEY CORP GRP 681 734 -42.65 -42.65 6.41 88.208 12 AMERICAN INTL GRP 295 317 74.72 74.72 2.78 90.989 468 AEGON US HOLDING GRP 199 199 14.60 14.60 1.88 92.8610 34738 ARAG INS CO 172 172 39.87 39.87 1.62 94.48

**STATE TOTAL** 10,614 12,267 32.18 32.54 100.00 100.00. .




StateWP

RANK

GROUP/COMPANY



(000)

DIRECTPREMIUMS

EARNED(000)

DIRECTLOSS TO

EPRATIO¹

DIRECTLOSS & DCC

TO EPRATIO²

MARKETSHARE

%


Wyoming 1 18 AMERICAN ROAD GRP 208 208 307.17 307.17 24.14 24.142 41 CITIGROUP GRP 190 149 120.49 120.49 22.07 46.213 31 BERKSHIRE HATHAWAY GRP 155 155 13.12 13.12 17.99 64.204 84 AMERICAN FINANCIAL GRP 123 295 30.39 30.39 14.30 78.515 12 AMERICAN INTL GRP 56 36 49.81 49.81 6.46 84.966 30082 CPA INS CO 47 47 15.46 15.46 5.41 90.377 468 AEGON US HOLDING GRP 35 35 8.57 8.57 4.03 94.408 8 ALLSTATE INS GRP 27 26 0.00 0.00 3.17 97.579 1281 BANKAMERICA CORP GRP 16 16 14.22 14.22 1.83 99.4110 19 ASSURANT INC GRP 3 3 0.83 0.83 0.38 99.78

**STATE TOTAL** 860 972 99.61 99.78 100.00 100.00. .

Guam 1 471 WELLS FARGO GRP 183 161 17.38 17.38 54.85 54.852 12633 CENTURY INS CO GU LTD 87 197 127.76 143.95 26.15 81.00

**STATE TOTAL** 334 422 67.14 74.71 100.00 100.00. .

Puerto Rico 1 10899 ASOC DE SUSCRIPCION CONJUNTA DEL SEG 203,321 203,642 53.67 53.67 92.57 92.572 281 JM FAMILY GRP 5,258 3,295 24.34 25.75 2.39 94.963 3526 COOPERATIVA DE SEGUROS MULTIPLES GRP 5,121 4,966 49.44 49.44 2.33 97.294 26778 INTEGRAND ASSUR CO 3,569 3,679 38.07 39.23 1.63 98.925 411 MAPFRE INS GRP 1,518 1,712 50.57 50.86 0.69 99.616 626 ACE LTD GRP 340 215 0.00 0.00 0.15 99.767 71 UNIVERSAL INS CO GRP 286 294 27.00 28.56 0.13 99.89

**STATE TOTAL** 219,647 218,047 52.69 52.74 100.00 100.00. .

U.S. Virgin Islands 1 626 ACE LTD GRP 4 3 0.00 0.00 92.77 92.77**STATE TOTAL** 4 4 0.00 0.00 100.00 100.00

. .N. Mariana Islands **STATE TOTAL** 164 198 25.79 25.79 100.00 100.00

. .Canada 1 41 CITIGROUP GRP 12,071 11,713 64.66 64.66 40.47 40.47

2 176 STATE FARM GRP 8,985 9,924 104.34 104.34 30.12 70.593 84 AMERICAN FINANCIAL GRP 6,202 19,621 269.12 269.12 20.79 91.38

**STATE TOTAL** 29,829 44,564 165.44 165.53 100.00 100.00. .

Aggregate Other Alien 1 1279 ARCH INS GRP 31,259 28,800 120.87 123.17 29.76 29.762 10906 COMMERCIAL ALLIANCE INS CO 19,385 19,955 25.77 33.57 18.45 48.213 3483 PARTNERRE GRP 17,945 13,328 59.81 59.81 17.08 65.294 626 ACE LTD GRP 17,271 24,155 85.66 86.51 16.44 81.735 457 ARGONAUT GRP 9,199 12,013 113.75 113.75 8.76 90.496 12 AMERICAN INTL GRP 7,675 12,094 44.12 44.12 7.31 97.807 3239 ALLIED WORLD ASSUR HOLDING GRP 1,258 145 59.15 65.00 1.20 98.998 98 WR BERKLEY CORP GRP 391 -6 N/A N/A 0.37 99.379 84 AMERICAN FINANCIAL GRP 250 250 0.00 0.00 0.24 99.609 984 HCC INS HOLDINGS GRP 250 -784 N/A N/A 0.24 99.84

**STATE TOTAL** 105,049 110,207 103.54 105.61 100.00 100.00. .




Technical Notes


2009 MARKET SHARE REPORTS – PROPERTY AND CASUALTY TECHNICAL NOTES

Direct Written Premium – Annual Statement Page 19 (State Page), Column 1

Line Number Line Description

35 Total All Lines1 Fire

2.1 Allied Lines

2.2 Multiple Peril Crop

2.3 Federal Flood

3 Farmowners Multiple Peril

4 Homeowners Multiple Peril

05.1 + 05.2 Total Commercial Multiple Peril

6 Mortgage Guaranty

8 Ocean Marine

9 Inland Marine

10 Financial Guaranty

11 Medical Professional Liability

12 Earthquake

16 Workers’ Compensation

17.1 + 17.2 Total Other Liability (Occurrence + Claims Made)

17.3 Excess Workers’ Compensation

18 Products Liability

19.1 + 19.2 Private Passenger Auto Liability

21.1 Private Passenger Auto Physical Damage

19.1 + 19.2 + 21.1 Total Private Passenger Auto

19.3 + 19.4 Commercial Auto Liability

21.2 Commercial Auto Physical Damage

19.3 + 19.4 + 21.2 Total Commercial Auto

22 Aircraft (All Perils)

23 Fidelity

24 Surety

26 Burglary and Theft

27 Boiler and Machinery

28 Credit

30 Warranty

34 Aggregate Write-Ins for Other Lines of Business


Loss Ratio Direct Loss to Earned Premium Ratio = [(Direct Losses Incurred/Direct Premiums Earned)*100] Direct Loss and Direct Defense and Cost Containment Loss to Earned Premium Ratio = [(Direct Losses Insurred + Direct Defense and Cost Containment Expenses Incurred)/(Direct Premiums Earned)*100] If earned premiums are zero or negative, then Loss Ratio = N/A. Market Share Market Share = Company or Group’s premiums over the total premiums times 100. Depending on the report, the total premiums are either by the states, U.S. territories, Canada and Aggregate Other Alien or by state/territory. Cumulative Market Share is the running total of the individual Company or Group market shares. The report includes companies that had filed by April 19, 2010. Workers’ Compensation & Other State Funds Data for certain state funds/residual market mechanisms are provided directly to the NAIC. It should be noted that the year-end for many of these funds is June 30 instead of December 31. The Oklahoma State Workers’ Compensation Fund data was not in before this report was run. Therefore, the Direct Written Premiums, Direct Premiums Earned and Loss Ratios for this fund is not included in the full report; however, the most current data are reflected in the table below. The Pennsylvania State Workers’ Compensation Fund data had not been submitted to the NAIC at the time of the release of this report. Therefore, the numbers reflected in the table below and in the full report are taken from the 2007 fiscal year. It should also be noted that the direct premium written figure for Louisiana Citizens Property Insurance Corporation is unaudited, and thus subject to restatement. Unless otherwise noted, the financial figures for the 2009 market share report for the workers’ compensation funds and Louisiana Citizens Property Insurance actually represent 2008 data. The funds are as follow:

State Name

Direct Premiums Written

Direct Premiums

Earned Direct Losses

Incurred

Direct Defense and Cost Containment Expenses Incurred

MT The Montana State Compensation Insurance Fund 206,218,075 214,966,226 177,543,578 5,195,927

ND Workforce Safety & Insurance 185,752,645 177,412,233 146,686,639 3,305,031*

OH Ohio Bureau of Workers’ Compensation 2,469,550,000 2,469,550,000 1,667,092,000 406,442,000*

SC South Carolina State Accident Fund 94,095,017 94,095,017 51,347,946 N/A

WA Washington State Fund 1,360,533,000 1,360,533,000 2,348,838,000 185,980,000*

WY Wyoming Division of Workers’ Compensation 240,363,197 240,363,197 274,696,000 5,329,359*

LA Louisiana Citizens Property Insurance Corporation 222,251,490 247,363,197 58,885,270 10,323,323*


(Continuation of State Funds Chart)

State Name

Direct Premiums Written

Direct Premiums

Earned Direct Losses

Incurred

Direct Defense and Cost Containment Expenses Incurred

PA Pennsylvania State Workers’

Compensation Fund ** 270,346,843 289,580,005 348,546,152 26,087,770*

OK Compsource Oklahoma 235,455,972 234,444,660 232,656,850 12,235,263

* LAE was used in lieu of cost containment. ** These numbers reflect 2007 data, as 2008/2009 data was not submitted to the NAIC as of the date of publication.


MS R - P B - 1 0

Formed in 1871, the National Association of Insurance

Commissioners (NAIC) is a voluntary organization of the chief

insurance regulatory officials of the 50 states, the District of

Columbia and five U.S. territories. The NAIC has three offices:

Executive Office, Washington, D.C.; Central Office, Kansas

City, Mo.; and Securities Valuation Office, New York City.

The NAIC serves the needs of consumers and the industry,

with an overriding objective of supporting state insurance reg-

ulators as they protect consumers and maintain the financial

stability of the insurance marketplace.

For more information, visit www.naic.org.

2009 Market

Share Reports

for Property/Casualty Insurance

Groups and Companies

Top 10 By Line By State

Top 125 By Line Countrywide

Volume II

DIRECT

PREMIUMS

MARKET

SHARE

CUMULATIVE

MARKET

SHARE

2009 Market Share Reports

for the Top 125 Property/Casualty

Insurance Groups and Companies

By State and Countrywide

Volume II

2010

Accounting & Reporting


educators will find relevant information about statutory

accounting practices and procedures.

Consumer Information

Consumers, educators and members of the insurance

industry will find important answers to common questions

in guides about auto, home, health and life insurance.

Financial Regulation

Accountants, financial analysts and lawyers will find

handbooks, compliance guides and reports on financial

analysis, state audit requirements and receiverships.

Legal

State laws, regulations and guidelines apply to members

of the legal and insurance industries.

NAIC Activities

Insurance industry members will find directories,

newsletters and reports affecting NAIC members.

Special Studies

Accountants, educators, financial analysts, members of

the insurance industry, lawyers and statisticians will find

relevant products on a variety of special topics.

Statistical Reports

Insurance industry data directed at regulators, educators,

financial analysts, insurance industry members, lawyers

and statisticians.

Supplementary Products

Accountants, educators, financial analysts, insurers,

lawyers and statisticians will find guidelines, handbooks,

surveys and NAIC positions on a wide variety of issues.

Securities Valuation Office

Provides insurers with portfolio values and procedures

for complying with NAIC reporting requirements.

White Papers


educators will find relevant information on a variety of

insurance topics.

© 2010 National Association of Insurance Commissioners. All rights reserved.

ISBN: 978-1-59917-347-4

Printed in the United States of America

No part of this book may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic or

mechanical, including photocopying, recording, or any storage or retrieval system, without written permission from the NAIC.

The NAIC is the authoritative source for insurance industry information. Our expert solutions support the efforts of

regulators, insurers and researchers by providing detailed and comprehensive insurance information. The NAIC

offers a wide range of publications in the following categories:

For more information about NAIC publications, view our online catalog at:

http://store.naic.org

NAIC Central Office

2301 McGee Street, Suite 800

Kansas City, MO 64108-2662

816.842.3600

NAIC Securities Valuation Office

48 Wall Street, 6th Floor

New York, NY 10005-2906

212.398.9000

NAIC Executive Office

444 North Capitol Street NW, Suite 701

Washington, DC 20001

202.471.3990

2009 Market Share Reports for Property/Casualty Groups and Companies

TABLE OF CONTENTS

VOLUME ONE

Introduction...........................................................................................................................1 Table of Cumulative Countrywide Market Share .................................................................3 Table of Direct Loss Ratios by Line of Business..................................................................5 Direct Written Premium Trend Graph ..................................................................................9 2009 Market Share Reports By Line of Business Countrywide and By State Line Number

35 Total All Lines .................................................................... 1101 Fire ...................................................................................... 2702.1 Allied Lines ......................................................................... 4302.2 Multiple Peril Crop.............................................................. 5902.3 Federal Flood....................................................................... 7103 Farmowners Multiple Peril.................................................. 8504 Homeowners Multiple Peril ................................................ 9905.1, 05.2 Total Commercial Multi-Peril ........................................... 11306 Mortgage Guaranty ........................................................... 12908 Ocean Marine .................................................................... 14109 Inland Marine .................................................................... 15710 Financial Guaranty ............................................................ 17311 Medical Professional Liability .......................................... 18112 Earthquake......................................................................... 19516 Workers’ Compensation.................................................... 21117.1, 17.2 Other Liability – Occurrence & Claims Made .................. 22517.3 Excess Workers’ Compensation........................................ 24118 Products Liability .............................................................. 25319.1, 19.2 Private Passenger Auto Liability....................................... 26921.1 Private Passenger Auto Physical Damage......................... 28319.1, 19.2, 21.1 Total Private Passenger Auto ............................................ 29919.3, 19.4 Commercial Auto Liability ............................................... 31521.2 Commercial Auto Physical Damage ................................. 33119.3, 19.4, 21.2 Total Commercial Auto..................................................... 34722 Aircraft (All Perils) ........................................................... 36323 Fidelity .............................................................................. 37724 Surety ................................................................................ 39326 Burglary and Theft ............................................................ 40927 Boiler and Machinery........................................................ 42328 Credit................................................................................. 43930 Warranty............................................................................ 45334 Aggregate Write-Ins for Other Lines of Business............. 455

Technical Notes ................................................................................................................481

VOLUME TWO

Index of Insurer Groups and Companies ..............................................................................1

Index of Property/Casualty Insurer Groups and Individual Companies


PROPERTY AND CASUALTY INSURANCE INDUSTRY

INDEX OF COMPANIES

Group Name GroupCode

IndividualCompany Code

Company Name

Companies Affiliated With a Group

By Group

2009 MARKET SHARE REPORT

21ST CENTURY HOLDING GRP 2879 10790 AMERICAN VEHICLE INS CO

27980 FEDERATED NATL INS CO

AAA MID ATLANTIC INS GRP 771 10675 AAA MID ATLANTIC INS CO

42960 AAA MID ATLANTIC INS CO OF NJ

11681 KEYSTONE INS CO

ACE LTD GRP 626 22667 ACE AMER INS CO

20702 ACE FIRE UNDERWRITERS INS CO

10030 ACE IND INS CO

30953 ACE INS CO

26417 ACE INS CO OF THE MIDWEST

20699 ACE PROP & CAS INS CO

30180 ASSURED GUAR CORP

38938 ATLANTIC EMPLOYERS INS CO

20591 BANKERS STANDARD FIRE & MARINE CO

18279 BANKERS STANDARD INS CO

20710 CENTURY IND CO

27960 ILLINOIS UNION INS CO

43575 INDEMNITY INS CO OF NORTH AMER

22713 INSURANCE CO OF N AMER

22748 PACIFIC EMPLOYERS INS CO

21121 WESTCHESTER FIRE INS CO

10172 WESTCHESTER SURPLUS LINES INS CO

ADVANTA INS GRP 954 33987 ADVANTA INS CO

AEGIS GRP 313 33898 AEGIS SECURITY INS CO

17965 AMERICAN SENTINEL INS CO

AEGON US HOLDING GRP 468 10952 STONEBRIDGE CAS INS CO

AETNA GRP 1 36153 AETNA INS CO OF CT

AFFIRMATIVE INS GRP 3596 42609 AFFIRMATIVE INS CO

12569 AFFIRMATIVE INS CO OF MI

38806 INSURA PROP & CAS INS CO

10295 USAGENCIES CAS INS CO INC

10413 USAGENCIES DIRECT INS CO

AG WORKERS INS GRP 2438 18430 AGRICULTURAL WORKERS MUT AUTO INS

11090 WORTH CAS CO

AIM MUT GRP 2498 11104 ASSOCIATED EMPLOYERS INS CO

33758 ASSOCIATED INDUSTRIES OF MA MUT INS

13083 EMPLOYERS SECURITY ASSUR CO

12886 MASSACHUSETTS EMPLOYERS INS CO

AIOI INS GRP 4513 34886 AIOI INS CO OF AMER



INDEX OF COMPANIES



Company Name


By Group


AIOI INS GRP 4513 37265 DTRIC INS CO LTD

12903 DTRIC INS UNDERWRITERS LTD

AJK HOLDINGS GRP 3299 29033 CRANBROOK INS CO

17159 USF INS CO

ALFA INS GRP 5 18791 ALFA ALLIANCE INS CORP

41661 ALFA GEN INS CORP

22330 ALFA INS CORP

19143 ALFA MUT FIRE INS CO

19151 ALFA MUT GEN INS CO

19135 ALFA MUT INS CO

11004 ALFA SPECIALTY INS CORP

12188 ALFA VISION INS CORP

ALLEGHANY GRP 501 10472 CAPITOL IND CORP

10328 CAPITOL SPECIALTY INS CORP

13027 COVINGTON SPECIALTY INS CO

11555 EMPLOYERS DIRECT INS CO

20419 HOMESITE IND CO

17221 HOMESITE INS CO

11005 HOMESITE INS CO OF CA

11156 HOMESITE INS CO OF FL

11016 HOMESITE INS CO OF IL

10986 HOMESITE INS CO OF NY

10745 HOMESITE INS CO OF PA

13927 HOMESITE INS CO OF THE MIDWEST

11237 HOMESITE LLOYDS OF TX

33138 LANDMARK AMER INS CO

18619 PLATTE RIVER INS CO

22314 RSUI IND CO

ALLIANCE INS GRP 214 33154 ALLIANCE IND CO

19186 ALLIANCE INS CO INC

19194 FARMERS ALLIANCE MUT INS CO

ALLIANZ INS GRP 761 22837 AGCS MARINE INS CO

35300 ALLIANZ GLOBAL RISKS US INS CO

36420 ALLIANZ UNDERWRITERS INS CO

21849 AMERICAN AUTOMOBILE INS CO

21857 AMERICAN INS CO

30023 AMERICAN STANDARD LLOYDS INS CO

21865 ASSOCIATED IND CORP

22810 CHICAGO INS CO

20516 EULER HERMES AMER CREDIT IND CO

29181 FIREMANS FUND CNTY MUT INS CO

11380 FIREMANS FUND IND CORP



INDEX OF COMPANIES



Company Name


By Group


ALLIANZ INS GRP 761 21873 FIREMANS FUND INS CO

39500 FIREMANS FUND INS CO OF HI INC

40681 FIREMANS FUND INS CO OF LA

39640 FIREMANS FUND INS CO OF OH

22829 INTERSTATE FIRE & CAS CO

11630 JEFFERSON INS CO

21881 NATIONAL SURETY CORP

10079 VINTAGE INS CO

ALLIED WORLD ASSUR HOLDING GRP 3239 19489 ALLIED WORLD ASSUR CO US INC

10690 ALLIED WORLD NATL ASSUR CO

22730 ALLIED WORLD REINS CO

16624 DARWIN NATL ASSUR CO

24319 DARWIN SELECT INS CO

44768 VANTAPRO SPECIALTY INS CO

ALLSTATE INS GRP 8 29335 ALLSTATE CNTY MUT INS CO

29688 ALLSTATE FIRE & CAS INS CO

19240 ALLSTATE IND CO

19232 ALLSTATE INS CO

10852 ALLSTATE NJ INS CO

12344 ALLSTATE NJ PROP & CAS INS CO

17230 ALLSTATE PROP & CAS INS CO

26530 ALLSTATE TX LLOYDS

10835 CASTLE KEY IND CO

30511 CASTLE KEY INS CO

37907 DEERBROOK INS CO

11996 ENCOMPASS FLORIDIAN IND CO

11993 ENCOMPASS FLORIDIAN INS CO

11252 ENCOMPASS HOME & AUTO INS CO

15130 ENCOMPASS IND CO

11251 ENCOMPASS INDEPENDENT INS CO

10358 ENCOMPASS INS CO

10071 ENCOMPASS INS CO OF AMER

12154 ENCOMPASS INS CO OF MA

11599 ENCOMPASS INS CO OF NJ

10072 ENCOMPASS PROP & CAS CO

12496 ENCOMPASS PROP & CAS INS CO OF NJ

29980 FIRST COLONIAL INS CO

13167 NORTH LIGHT SPECIALTY INS CO

36455 NORTHBROOK IND CO

AMBAC ASSUR CORP GRP 1248 18708 AMBAC ASSUR CORP

24961 EVERSPAN FIN GUAR CORP

AMERCO CORP GRP 574 10027 NORTH AMER FIRE & CAS INS CO



INDEX OF COMPANIES



Company Name


By Group


AMERCO CORP GRP 574 31089 REPUBLIC WESTERN INS CO

AMERICAN ASSETS GRP 922 40029 EXPLORER INS CO

10024 INDEPENDENCE CAS & SURETY CO

27847 INSURANCE CO OF THE WEST

AMERICAN CONTRACTORS INS GRP 594 19984 ACIG INS CO

12300 AMERICAN CONTRACTORS INS CO RRG

AMERICAN EUROPEAN GRP 383 23337 AMERICAN EUROPEAN INS CO

41378 RUTGERS CAS INS CO

11245 RUTGERS ENHANCED INS CO

31399 UNITED INTL INS CO

AMERICAN FAMILY INS GRP 473 10386 AMERICAN FAMILY INS CO

19275 AMERICAN FAMILY MUT INS CO

10387 AMERICAN STANDARD INS CO OF OH

19283 AMERICAN STANDARD INS CO OF WI

AMERICAN FARMERS & RANCHERS GRP 1321 37931 AMERICAN FARMERS & RANCHERS INS CO

41475 AMERICAN FARMERS & RANCHERS MUT INS

AMERICAN FIDELITY & LIBERTY INC GRP 1289 35963 AF&L INS CO

AMERICAN FINANCIAL GRP 84 37990 AMERICAN EMPIRE INS CO

35351 AMERICAN EMPIRE SURPLUS LINES INS CO

26832 GREAT AMER ALLIANCE INS CO

26344 GREAT AMER ASSUR CO

39896 GREAT AMER CAS INS CO

10646 GREAT AMER CONTEMPORARY INS CO

37532 GREAT AMER E&S INS CO

41858 GREAT AMER FIDELITY INS CO

16691 GREAT AMER INS CO

22136 GREAT AMER INS CO OF NY

38024 GREAT AMER LLOYDS INS CO

38580 GREAT AMER PROTECTION INS CO

31135 GREAT AMER SECURITY INS CO

33723 GREAT AMER SPIRIT INS CO

15380 MID CONTINENT ASSUR CO

23418 MID CONTINENT CAS CO

32620 NATIONAL INTERSTATE INS CO

11051 NATIONAL INTERSTATE INS CO OF HI INC

23426 OKLAHOMA SURETY CO

22179 REPUBLIC IND CO OF AMER

43753 REPUBLIC IND CO OF CA

41106 TRIUMPHE CAS CO

AMERICAN GEN HOLDINGS GRP 3501 10343 APOLLO CAS CO



INDEX OF COMPANIES



Company Name


By Group


AMERICAN GEN HOLDINGS GRP 3501 12615 APOLLO CAS CO OF FL

11862 DELPHI CAS CO

AMERICAN INDEPENDENT INS GRP 3678 17957 AMERICAN INDEPENDENT INS CO

13455 BANKERS INDEPENDENT INS CO

34940 OMNI IND CO

39098 OMNI INS CO

12289 PERSONAL SERV INS CO

AMERICAN INTL GRP 12 36404 21ST CENTURY CAS CO

12963 21ST CENTURY INS CO

10245 21ST CENTURY INS CO OF THE SW

25232 AIG ADVANTAGE INS CO

10184 AIG AUTO INS CO OF NJ

34789 AIG CENTENNIAL INS CO

28487 AIG HI INS CO INC

43974 AIG IND INS CO

36587 AIG NATL INS CO INC

22225 AIG PREFERRED INS CO

20796 AIG PREMIER INS CO

19399 AIU INS CO

24376 AMERICAN GEN IND CO

31208 AMERICAN GEN PROP INS CO

19380 AMERICAN HOME ASSUR CO

32220 AMERICAN INTL INS CO

43761 AMERICAN INTL INS CO OF CA

44245 AMERICAN INTL INS CO OF DE

10710 AMERICAN INTL INS CO OF NJ

23795 AMERICAN INTL PACIFIC INS

11583 AMERICAN LIFE INS CO

10805 AMERICAN PACIFIC INS CO INC

19925 AUDUBON IND CO

19933 AUDUBON INS CO

40258 CHARTIS CAS CO

31674 CHARTIS INS CO PR

19402 CHARTIS PROP CAS CO

10932 CHARTIS SELECT INS CO

26883 CHARTIS SPECIALTY INS CO

19410 COMMERCE & INDUSTRY INS CO

23809 GRANITE STATE INS CO

11452 HARTFORD STEAM BOIL INSPEC & INS CO

29890 HARTFORD STEAM BOIL INSPEC INS CO CT

23817 ILLINOIS NATL INS CO

19429 INSURANCE CO OF THE STATE OF PA

35637 LANDMARK INS CO



INDEX OF COMPANIES



Company Name


By Group


AMERICAN INTL GRP 12 19437 LEXINGTON INS CO

32298 NATIONAL UNION FIRE INS CO OF LA

19445 NATIONAL UNION FIRE INS CO OF PITTS

23833 NEW HAMPSHIRE IND CO INC

23841 NEW HAMPSHIRE INS CO

16659 UNITED GUAR COMM INS CO OF NC

40525 UNITED GUAR CREDIT INS CO

26999 UNITED GUAR MORTGAGE IND CO

15873 UNITED GUAR RESIDENTIAL INS CO

16667 UNITED GUAR RESIDENTIAL INS CO OF NC

26220 YOSEMITE INS CO

AMERICAN MUT SHARE INS CORP GRP 359 12700 AMERICAN MUT SHARE INS CORP

10003 EXCESS SHARE INS CORP

AMERICAN NATL FIN GRP 408 29319 AMERICAN NATL CNTY MUT INS CO

39942 AMERICAN NATL GEN INS CO

10043 AMERICAN NATL LLOYDS INS CO

28401 AMERICAN NATL PROP & CAS CO

11140 ANPAC LA INS CO

13803 FARM FAMILY CAS INS CO

11048 PACIFIC PROP & CAS CO

29963 UNITED FARM FAMILY INS CO

AMERICAN ROAD GRP 18 19631 AMERICAN ROAD INS CO

AMERICAN SAFETY HOLDING GRP 1346 39969 AMERICAN SAFETY CAS INS CO

25433 AMERICAN SAFETY IND CO

25448 AMERICAN SAFETY RRG INC

AMERIPRISE FIN GRP 4 12504 AMERIPRISE INS CO

29068 IDS PROP CAS INS CO

AMERISAFE GRP 680 31895 AMERICAN INTERSTATE INS CO

12228 AMERICAN INTERSTATE INS CO OF TX

26869 SILVER OAK CAS INC

AMERISURE CO GRP 124 19488 AMERISURE INS CO

23396 AMERISURE MUT INS CO

AMICA MUT GRP 28 10896 AMICA LLOYDS OF TX

19976 AMICA MUT INS CO

12287 AMICA PROP & CAS INS CO

AMTRUST FINANCIAL SERV GRP 2538 15954 AMTRUST INS CO OF KS INC

23140 ASSOCIATED INDUSTRIES INS CO INC

26662 MILWAUKEE CAS INS CO

12491 ROCHDALE INS CO OF NY

19879 SECURITY NATL INS CO



INDEX OF COMPANIES



Company Name


By Group


AMTRUST FINANCIAL SERV GRP 2538 42376 TECHNOLOGY INS CO INC

26689 TRINITY LLOYDS INS CO

25011 WESCO INS CO

ANACOSTIA HOLDING GRP 3385 10183 EQUITABLE LIAB INS CO

14699 FIRST WA INS CO INC

ANCHOR INS HOLDINGS GRP 4256 40010 ANCHOR GEN INS CO

29793 PACIFIC STAR INS CO

ANDOVER GRP 22 19763 BAY STATE INS CO

19771 CAMBRIDGE MUT FIRE INS CO

19798 MERRIMACK MUT FIRE INS CO

AON CORP GRP 317 10685 CITADEL INS CO

43460 FFG INS CO

AON SERV GRP 821 35092 AMERICAN SPECIAL RISK INS CO

20931 ATLANTA INTL INS CO

AP CAPITAL GRP 966 33006 AMERICAN PHYSICIANS ASSUR CORP

10229 APSPECIALITY INS CORP

ARBELLA INS GRP 586 10017 ARBELLA IND INS CO

17000 ARBELLA MUT INS CO

41360 ARBELLA PROTECTION INS CO

10231 COMMONWEALTH MUT INS CO

10062 COVENANT INS CO

ARCH INS GRP 1279 10946 ARCH EXCESS & SURPLUS INS CO

30830 ARCH IND INS CO

11150 ARCH INS CO

10348 ARCH REINS CO

21199 ARCH SPECIAITY INS CO

ARGONAUT GRP 457 19860 ARGONAUT GREAT CENTRAL INS CO

19801 ARGONAUT INS CO

26409 ARGONAUT LTD RISK INS CO

19828 ARGONAUT MIDWEST INS CO

19844 ARGONAUT SW INS CO

39993 COLONY INS CO

34118 COLONY NATL INS CO

36927 COLONY SPECIALTY INS CO

35505 ROCKWOOD CAS INS CO

19836 SELECT MARKETS INS CO

10726 SOMERSET CAS INS CO

ARI INS CO GRP 848 37680 ARI CAS CO

13900 ARI MUT INS CO



INDEX OF COMPANIES



Company Name


By Group


ARIEL HOLDINGS GROUP 4662 26611 VALIANT INS CO

13551 VALIANT SPECIALTY INS CO

ARMCO INS INC GRP 143 21989 COMPASS INS CO

11977 NORTHWESTERN NATL INS CO SEG ACCNT

ARROWPOINT CAPITAL GRP 553 24678 ARROWOOD IND CO

41807 ARROWOOD SURPLUS LINES INS CO

ARX HOLDING CORP GRP 1344 10872 AMERICAN STRATEGIC INS CORP

12196 ASI ASSUR CORP

11059 ASI LLOYDS

13142 ASI PREFERRED INS CORP

ASSURANT INC GRP 19 10111 AMERICAN BANKERS INS CO OF FL

19615 AMERICAN RELIABLE INS CO

42978 AMERICAN SECURITY INS CO

30590 CARIBBEAN AMER PROP INS CO

28843 RELIABLE LLOYDS INS CO

42986 STANDARD GUAR INS CO

40428 VOYAGER IND INS CO

ASSURED GUAR GRP 194 18287 ASSURED GUAR MUNICIPAL CORP

ATLANTIC AMER GRP 587 33103 AMERICAN SAFETY INS CO

10235 AMERICAN SOUTHERN INS CO

ATLANTIC CO GRP 24 43141 ALICOT INS CO

19895 ATLANTIC MUT INS CO

19909 CENTENNIAL INS CO

AUTO CLUB ENTERPRISES INS GRP 1318 29327 AAA TX CNTY MUT INS CO

11009 AUTO CLUB CAS CO

27235 AUTO CLUB FAMILY INS CO

11008 AUTO CLUB IND CO

12813 AUTO CLUB INS CO OF FL

15512 AUTOMOBILE CLUB INTERINS EXCH

15598 INTERINS EXCH OF THE AUTOMOBILE CLUB

AUTO OWNERS GRP 280 18988 AUTO OWNERS INS CO

26638 HOME OWNERS INS CO

32700 OWNERS INS CO

32905 PROPERTY OWNERS INS CO

10190 SOUTHERN OWNERS INS CO

AUTOMOBILE CLUB MI GRP 55 21210 AUTO CLUB GRP INS CO

21202 AUTO CLUB INS ASSOC

11983 AUTO CLUB PROP CAS INS CO

21229 MEMBERSELECT INS CO



INDEX OF COMPANIES



Company Name


By Group


AXA INS GRP 968 33022 AXA INS CO

16187 AXA RE PROP & CAS INS CO

36552 COLISEUM REINS CO

AXIS CAPITAL GRP 3416 37273 AXIS INS CO

20370 AXIS REINS CO

15610 AXIS SPECIALTY INS CO

26620 AXIS SURPLUS INS CO

BALDWIN & LYONS GRP 867 12416 PROTECTIVE INS CO

40460 SAGAMORE INS CO

BANKAMERICA CORP GRP 1281 24813 BALBOA INS CO

30007 GENERAL FIDELITY INS CO

24821 MERITPLAN INS CO

24848 NEWPORT INS CO

BANKERS INS GRP 689 33162 BANKERS INS CO

13041 BANKERS SPECIALTY INS CO

13990 FIRST COMMUNITY INS CO

BAR PLAN GRP 1228 10966 BAR PLAN SURETY & FIDELITY CO

29513 THE BAR PLAN MUT INS CO

BARNSTABLE GRP 919 41955 BARNSTABLE CNTY INS CO

13463 BARNSTABLE CNTY MUT INS CO

BCBS OF FL GRP 536 10834 COMP OPTIONS INS CO INC

BCBS OF MI GRP 572 12304 ACCIDENT FUND GEN INS CO

10166 ACCIDENT FUND INS CO OF AMER

12305 ACCIDENT FUND NATL INS CO

12177 COMPWEST INS CO

10713 THIRD COAST INS CO

29157 UNITED WI INS CO

BCBS OF SC GRP 661 11963 AMFED CAS INS CO

11208 AMFED NATL INS CO

10794 COMPANION COMMERCIAL INS CO

12157 COMPANION PROP & CAS INS CO

13124 COMPANION SPECIALTY INS CO

BCS INS GRP 23 38245 BCS INS CO

BEACON MUT GRP 3490 24017 BEACON MUT INS CO

BERKSHIRE HATHAWAY GRP 31 10391 AMERICAN CENTENNIAL INS CO

13070 BERKSHIRE HATHAWAY ASSUR CORP

11014 BROOKWOOD INS CO

38865 CALIFORNIA INS CO



INDEX OF COMPANIES



Company Name


By Group


BERKSHIRE HATHAWAY GRP 31 34274 CENTRAL STATES IND CO OF OMAHA

27812 COLUMBIA INS CO

32280 COMMERCIAL CAS INS CO

35939 CONTINENTAL DIVIDE INS CO

28258 CONTINENTAL IND CO

20044 CORNHUSKER CAS CO

10855 CYPRESS INS CO

44784 FAIRFIELD INS CO

41491 GEICO CAS CO

35882 GEICO GEN INS CO

22055 GEICO IND CO

22039 GENERAL REINS CORP

37362 GENERAL STAR IND CO

11967 GENERAL STAR NATL INS CO

34991 GENESIS IND INS CO

38962 GENESIS INS CO

22063 GOVERNMENT EMPLOYEES INS CO

15962 KANSAS BANKERS SURETY CO

11843 MEDICAL PROTECTIVE CO

26522 MOUNT VERNON FIRE INS CO

20079 NATIONAL FIRE & MARINE INS CO

20087 NATIONAL IND CO

20060 NATIONAL IND CO OF MID AMER

42137 NATIONAL IND CO OF THE SOUTH

20052 NATIONAL LIAB & FIRE INS CO

34835 NATIONAL REINS CORP

22047 NORTH STAR REINS CORP

34630 OAK RIVER INS CO

11673 REDWOOD FIRE & CAS INS CO

37923 SEAWORTHY INS CO

25895 UNITED STATES LIAB INS CO

35416 US UNDERWRITERS INS CO

BLACKSTONE FIN GRP 497 43001 NARRAGANSETT BAY INS CO

14931 PAWTUCKET INS CO

BRERA CAPITAL PARTNERS LTD GRP 2378 44016 NATIONAL HOME INS CO RRG

10691 RESIDENTIAL INS CO INC A RRG

BUCKEYE INS GRP 46 16713 BUCKEYE STATE MUT INS CO

17639 HOME & FARM INS CO

BUILDERS GRP 4507 10844 BUILDERS MUT INS CO

13036 BUILDERS PREMIER INS CO

BUILDERS INS GRP 1302 11240 ASSOCIATION INS CO

10704 BUILDERS INS



INDEX OF COMPANIES



Company Name


By Group


BUILDERS INS GRP 1302 16632 VININGS INS CO

CALIFORNIA CAS MGMT GRP 33 27464 CALIFORNIA CAS & FIRE INS CO

10063 CALIFORNIA CAS COMP INS CO

35955 CALIFORNIA CAS GEN INS CO OF OR

20117 CALIFORNIA CAS IND EXCH

20125 CALIFORNIA CAS INS CO

CALIFORNIA STATE AUTO GRP 1278 10921 ACA INS CO

15539 CALIFORNIA STATE AUTO ASSN INTER INS

37770 WESTERN UNITED INS CO

CAMERON MUT GRP 532 15725 CAMERON MUT INS CO

42498 CAMERON NATL INS CO

CANAL GRP 262 27790 CANAL IND CO

10464 CANAL INS CO

CAPITAL INS GRP 802 13544 CALIFORNIA CAPITAL INS CO

12890 EAGLE W INS CO

23540 MONTEREY INS CO

11165 NEVADA CAPITAL INS CO

CARDIF HOLDINGS GRP 3764 21075 CARDIF PROP & CAS INS CO

CATERPILLAR GRP 3569 11255 CATERPILLAR INS CO

CATLIN US INS GRP 4574 19518 CATLIN INS CO

15989 CATLIN SPECIALTY INS CO

CELINA GRP 35 20176 CELINA MUT INS CO

16764 MIAMI MUT INS CO

20184 NATIONAL MUT INS CO

15431 WEST VIRGINIA FARMERS MUT INS ASSOC

CENTRAL MUT INS CO GRP 36 20222 ALL AMER INS CO

20230 CENTRAL MUT INS CO

42382 CMI LLOYDS

CENTRAL NATL INS CO PR GRP 217 20249 CENTRAL NATL INS CO OF OMAHA

CENTRAL SERV GRP 2518 11105 A CENTRAL INS CO

14834 NEW YORK CENTRAL MUT FIRE INS CO

CENTRAL STATES GRP 690 11499 CENSTAT CAS CO

CHARTER INS GRP 1178 44326 ATLANTIC CHARTER INS CO

10664 ENDEAVOUR INS CO

11984 INDEPENDENCE CAS INS CO

CHUBB & SON INC GRP 38 38989 CHUBB CUSTOM INS CO

12777 CHUBB IND INS CO



INDEX OF COMPANIES



Company Name


By Group


CHUBB & SON INC GRP 38 41386 CHUBB INS CO OF NJ

27774 CHUBB LLOYDS INS CO OF TX

10052 CHUBB NATL INS CO

35181 EXECUTIVE RISK IND INC

44792 EXECUTIVE RISK SPECIALITY INS CO

20281 FEDERAL INS CO

20303 GREAT NORTHERN INS CO

20338 NORTHWESTERN PACIFIC IND CO

20346 PACIFIC IND CO

20389 TEXAS PACIFIC IND CO

20397 VIGILANT INS CO

CHURCH PENSION FUND GRP 344 10669 CHURCH INS CO

CINCINNATI EQUITABLE CO GRP 838 16721 CINCINNATI EQUITABLE INS CO

30457 SOUTHERN MI INS CO

CINCINNATI FIN GRP 244 28665 CINCINNATI CAS CO

10677 CINCINNATI INS CO

23280 THE CINCINNATI IND CO

13037 THE CINCINNATI SPECIALTY UNDERWRITER

CITIGROUP GRP 41 41211 TRITON INS CO

CITIZENS GRP 612 10246 SECURITY PLAN FIRE INS CO

CIVIL SERV EMPLOYEE GRP 323 10693 CIVIL SERV EMPLOYEES INS CO

18953 CSE SAFEGUARD INS CO

CLARIAN HLTH PARTNERS GRP 4637 11992 CLARIAN HLTH RRG INC

CNA INS GRP 218 20427 AMERICAN CAS CO OF READING PA

31127 COLUMBIA CAS CO

20443 CONTINENTAL CAS CO

35289 CONTINENTAL INS CO

42625 CONTINENTAL INS CO OF NJ

41726 FIRST FIRE & CAS INS OF HI INC

41734 FIRST IND INS OF HI INC

41742 FIRST INS CO OF HI LTD

10938 FIRST SECURITY INS OF HI INC

20478 NATIONAL FIRE INS CO OF HARTFORD

24047 SURETY BONDING CO OF AMER

20494 TRANSPORTATION INS CO

13200 UNIVERSAL SURETY OF AMER

20508 VALLEY FORGE INS CO

13188 WESTERN SURETY CO

COLLATERAL HOLDINGS GRP 421 24350 TRIAD GUAR INS CORP



INDEX OF COMPANIES



Company Name


By Group


COLONIAL SAVINGS GRP 878 40673 COLONIAL LLOYDS

COLUMBIA INS GRP 807 35629 ASSOCIATION CAS INS CO

40371 COLUMBIA MUT INS CO

19640 COLUMBIA NATL INS CO

11258 GEORGIA CAS & SURETY CO

COMMERCE INC GRP 816 19941 AMERICAN COMMERCE INS CO

40274 CITATION INS CO

34754 COMMERCE INS CO

13161 COMMERCE W INS CO

25275 STATE WIDE INS CO

CONCORD GRP 45 20672 CONCORD GEN MUT INS CO

20680 GREEN MOUNTAIN INS CO INC

16020 STATE MUT INS CO

28479 SUNAPEE MUT FIRE INS CO

13110 VERMONT ACCIDENT INS CO INC

CONTINENTAL INS CO GRP 635 16993 CONTINENTAL MUT INS CO

COOPERATIVA DE SEGUROS MULTIPLES GRP 3526 18163 COOPERATIVA D SEGUROS MULTIPLES PR

36749 REAL LEGACY ASSUR CO INC

COUNTRY INS & FIN SERV GRP 50 20966 COTTON STATES MUT INS CO

20982 COUNTRY CAS INS CO

20990 COUNTRY MUT INS CO

21008 COUNTRY PREF INS CO

14206 HOLYOKE MUT INS CO IN SALEM

14532 MIDDLESEX MUT ASSUR CO

23655 MODERN SERV INS CO

42951 MSI PREFERRED INS CO

20974 SHIELD INS CO

COVENTRY CORP GRP 1137 11531 CHC CAS RRG

CUMBERLAND GRP 54 10448 CUMBERLAND INS CO INC

13684 CUMBERLAND MUT FIRE INS CO

CUNA MUT GRP 306 29114 CMG MORTGAGE ASSUR CO

40266 CMG MORTGAGE INS CO

10847 CUMIS INS SOCIETY INC

12758 CUMIS SPECIALTY INS CO INC

CYPRESS HOLDINGS GRP 3456 10953 CYPRESS PROP & CAS INS CO

11578 CYPRESS TX LLOYDS

D & J ROTTMAN GRP 4641 13191 WESTERN BONDING CO

10008 WESTERN INS CO



INDEX OF COMPANIES



Company Name


By Group


DALLAS GEN GRP 1631 32271 DALLAS NATL INS CO

DE SMET INS GRP 205 31445 DE SMET FARM MUT INS CO OF SD

38539 DE SMET INS CO OF SD

DELEK GRP 3489 10810 REPUBLIC FIRE & CAS INS CO

19208 REPUBLIC LLOYDS

24538 REPUBLIC UNDERWRITERS INS CO

40479 REPUBLIC VANGUARD INS CO

27863 SOUTHERN CNTY MUT INS CO

19216 SOUTHERN INS CO

10809 SOUTHERN UNDERWRITERS INS CO

10925 SOUTHERN VANGUARD INS CO

DELPHI FIN GRP 74 11123 SAFETY FIRST INS CO

15105 SAFETY NATL CAS CORP

DELTA GRP 598 10898 DELTA FIRE & CAS INS CO

DHC GRP 930 19269 DANIELSON NATL INS CO

23671 NATIONAL AMER INS CO OF CA

DIRECT GEN GRP 1213 42781 DIRECT GEN INS CO

14630 DIRECT GEN INS CO OF LA

10889 DIRECT GEN INS CO OF MS

37220 DIRECT INS CO

23736 DIRECT NATL INS CO

DOCTORS CO GRP 831 39152 AMERICAN HLTHCARE IND CO

38920 AMERICAN HLTHCARE SPECIALTY INS CO

34495 DOCTORS CO AN INTERINS EXCH

12486 NORTHWEST PHYSICIANS INS CO

35602 OHIC INS CO

34487 PROFESSIONAL UNDERWRITERS LIAB INS C

10352 SCPIE IND CO

41050 UNDERWRITER FOR THE PROFESSIONS INS

DONEGAL GRP 250 22586 ATLANTIC STATES INS CO

13692 DONEGAL MUT INS CO

14389 LE MARS INS CO

39900 PENINSULA IND CO

14958 PENINSULA INS CO

26867 SOUTHERN INS CO OF VA

DONGBU INS GRP 4672 12502 DONGBU INS CO LTD

13620 DONGBU INS CO LTD

DUKES PLACE HOLDINGS GRP 1343 25763 SEATON INS CO

22276 STONEWALL INS CO



INDEX OF COMPANIES



Company Name


By Group


EASTERN HOLDING CO GRP 3158 11242 ALLIED EASTERN IND CO

13019 EASTERN ADVANTAGE ASSUR CO

10724 EASTERN ALLIANCE INS CO

32005 EMPLOYERS SECURITY INS CO

ELECTRIC INS GRP 57 21261 ELECTRIC INS CO

EMC INS CO GRP 62 10863 DAKOTA FIRE INS CO

25186 EMC PROP & CAS INS CO

21407 EMCASCO INS CO

21415 EMPLOYERS MUT CAS CO

14125 HAMILTON MUT INS CO

32808 ILLINOIS EMCASCO INS CO

21423 UNION INS CO OF PROVIDENCE

EMPLOYERS GRP 3363 25402 EMPLOYERS ASSUR CO

11512 EMPLOYERS COMPENSATION INS CO

10640 EMPLOYERS INS CO OF NV

10346 EMPLOYERS PREFERRED INS CO

ENDURANCE GRP 3786 12548 AMERICAN AGRI BUSINESS INS CO

10641 ENDURANCE AMER INS CO

41718 ENDURANCE AMER SPECIALTY INS CO

11551 ENDURANCE REINS CORP OF AMER

43630 ENDURANCE RISK SOLUTIONS ASSUR CO

ERIE INS GRP 213 26263 ERIE INS CO

16233 ERIE INS CO OF NY

26271 ERIE INS EXCH

26830 ERIE INS PROP & CAS CO

35585 FLAGSHIP CITY INS CO

EVEREST REINS HOLDINGS GRP 1120 10851 EVEREST IND INS CO

10120 EVEREST NATL INS CO

26921 EVEREST REINS CO

22110 EVEREST SECURITY INS CO

35947 MT MCKINLEY INS CO

EXCESS REINS GRP 1316 28630 GUILDERLAND REINS CO

13722 KNIGHTBROOK INS CO

FAIRFAX FIN GRP 158 25070 CLEARWATER INS CO

10220 COMMONWEALTH INS CO OF AMER

31348 CRUM & FORSTER IND CO

42471 CRUM & FORSTER INS CO

44520 CRUM & FORSTER SPECIALTY INS CO

18864 FAIRMONT INS CO

25518 FAIRMONT PREMIER INS CO



INDEX OF COMPANIES



Company Name


By Group


FAIRFAX FIN GRP 158 24384 FAIRMONT SPECIALTY INS CO

25054 HUDSON INS CO

37079 HUDSON SPECIALTY INS CO

21105 NORTH RIVER INS CO

23680 ODYSSEY AMER REINS CO

10936 SENECA INS CO INC

10729 SENECA SPECIALTY INS CO

25496 TIG IND CO

25534 TIG INS CO

21113 UNITED STATES FIRE INS CO

FARM BUREAU GRP 842 13765 FARM BUREAU MUT INS CO OF ID

39519 WESTERN COMM INS CO

FARMERS & MECHANICS MUT GRP 4339 12611 FARMERS & MECHANICS FIRE & CAS INS I

36315 FARMERS MECH MUT FIRE INS OF WV

FARMERS MUT HAIL INS GRP 569 13897 FARMERS MUT HAIL INS CO OF IA

16381 FARMERS UNION COOP INS CO

FARMERS MUT PROTECTION ASSN GRP 1342 11047 NEW CENTURY INS CO

36943 PRIORITY ONE INS CO

21733 RVOS FARM MUT INS CO

FCCI MUT INS GRP 474 10993 BRIERFIELD INS CO

12842 FCCI ADVANTAGE INS CO

33472 FCCI COMMERCIAL INS CO

10178 FCCI INS CO

32506 MONROE GUAR INS CO

20141 NATIONAL TRUST INS CO

FEDERATED MUT GRP 7 13935 FEDERATED MUT INS CO

28304 FEDERATED SERV INS CO

FIDELITY NATL FIN GRP 670 11523 FIDELITY NATL IND INS CO

25180 FIDELITY NATL INS CO

16578 FIDELITY NATL PROP & CAS INS CO

FINCOR HOLDINGS GRP 4318 33111 MHA INS CO

42510 WASHINGTON CAS CO

FIRST ACCEPTANCE INS GRP 3362 10336 FIRST ACCEPTANCE INS CO INC

11508 FIRST ACCEPTANCE INS CO OF GA INC

12825 FIRST ACCEPTANCE INS CO OF TN INC

FIRST AMER TITLE GRP 70 37710 FIRST AMER PROP & CAS INS CO

34525 FIRST AMER SPECILATY INS CO

FIRST MERCURY FIN GRP 3617 10251 AMERICAN UNDERWRITERS INS CO

10657 FIRST MERCURY INS CO



INDEX OF COMPANIES



Company Name


By Group


FIRST TOWER GRP 641 10170 AMERICAN FEDERATED INS CO

FLEXPOINT FUND GRP 4575 11072 ACA HOME INS CORP

12601 AMERICAN CAPITAL ASSUR CORP

FLORISTS MUT GRP 349 33278 FLORISTS INS CO

13978 FLORISTS MUT INS CO

FM GLOBAL GRP 65 10014 AFFILIATED FM INS CO

10316 APPALACHIAN INS CO

21482 FACTORY MUT INS CO

FPIC INS GRP 1272 37656 ANESTHESIOLOGISTS PRO ASSUR CO

33383 FIRST PROFESSIONALS INS CO

33367 INTERMED INS CO

FRANKENMUTH GRP 1309 10984 ANSUR AMER INS

13986 FRANKENMUTH MUT INS CO

32069 PATRIOT INS CO

FRANKLIN MUT GRP 762 15750 FIDELITY MOHAWK INS CO

37699 FMI INS CO

16454 FRANKLIN MUT INS CO

FRONTIER INS GRP 961 34266 FRONTIER INS CO

GENERAL ELECTRIC GRP 350 32077 HERITAGE CAS INS CO

GENERALI GRP 1169 11231 GENERALI US BRANCH

GENEVE HOLDINGS INC GRP 450 26581 INDEPENDENCE AMER INS CO

GENWORTH FIN GRP 4011 37095 GENWORTH FINANCIAL ASSUR CORP

41432 GENWORTH HOME EQUITY INS CORP

38458 GENWORTH MORTGAGE INS CORP

16675 GENWORTH MORTGAGE INS CORP OF NC

18759 GENWORTH RESIDENTIAL MORTGAGE ASSUR

29823 GENWORTH RESIDENTIAL MORTGAGE INS CO

GEORGE A PARMER GRP 1226 28649 EASTERN ATLANTIC INS CO

43486 WARRANTY UNDERWRITERS INS CO

GEORGIA FARM BUREAU GRP 561 34436 GEORGIA FARM BUREAU CAS INS CO

14001 GEORGIA FARM BUREAU MUT INS CO

GEOVERA HOLDINGS INC GRP 3829 10799 GEOVERA INS CO

10182 GEOVERA SPECIALTY INS CO

10887 PACIFIC SELECT PROP INS CO

GERLING GLOBAL RE GRP 604 21032 GLOBAL REINS CORP OF AMER

GERMANIA INS GRP 171 29610 GERMANIA FARM MUT INS ASSOC



INDEX OF COMPANIES



Company Name


By Group


GERMANIA INS GRP 171 19470 GERMANIA FIRE & CAS CO

36854 GERMANIA INS CO

11521 GERMANIA SELECT INS CO

12598 TEXAS HERITAGE INS CO

GLENCOE US HOLDINGS GRP 1331 10340 STONINGTON INS CO

11497 STONINGTON LLOYDS INS CO

GMAC INS HOLDING GRP 79 22004 CIM INS CORP

11044 GMAC INS CO ONLINE INC

27930 INTEGON CAS INS CO

22780 INTEGON GEN INS CORP

22772 INTEGON IND CORP

29742 INTEGON NATL INS CO

31488 INTEGON PREFERRED INS CO

37745 MAIDEN SPECIALTY INS CO

16101 MEEMIC INS CO

38660 MIC GEN INS CORP

38601 MIC PROP & CAS INS CORP

22012 MOTORS INS CORP

42447 NATIONAL GEN ASSUR CO

23728 NATIONAL GEN INS CO

12130 NEW SOUTH INS CO

GNW ACQUSITION CORP GRO 4576 26654 GREAT NORTHWEST INS CO

12767 HAWAIIAN INS & GUAR CO LTD

GORAN CAPITAL GRP 407 10168 SUPERIOR GUAR INS CO

12220 SUPERIOR INS CO

GRANGE INS GRP 83 22101 GRANGE INS ASSN

22128 ROCKY MOUNTAIN FIRE & CAS CO

GRANGE MUT CAS GRP 267 10322 GRANGE IND INS CO

11136 GRANGE INS CO OF MI

14060 GRANGE MUT CAS CO

11982 GRANGE PROP & CAS INS CO

14303 INTEGRITY MUT INS CO

12986 INTEGRITY PROP & CAS INS CO

40118 TRUSTGARD INS CO

GRAY INS GRP 1208 36307 GRAY INS CO

10671 THE GRAY CAS & SURETY CO

GREAT CENTRAL INS GRP 1131 43621 GREAT CENTRAL FIRE INS CO

GREATER NY GRP 222 10814 GNY CUSTOM INS CO

22187 GREATER NY MUT INS CO

22195 INSURANCE CO OF GREATER NY



INDEX OF COMPANIES



Company Name


By Group


GREATER NY GRP 222 11024 STRATHMORE INS CO

GRINNELL MUT GRP 518 14117 GRINNELL MUT REINS CO

16144 GRINNELL SELECT INS CO

GUARD INS CO GRP 828 42390 AMGUARD INS CO

14702 EASTGUARD INS CO

31470 NORGUARD INS CO

11981 WESTGUARD INS CO

GUIDEONE INS GRP 303 42331 GUIDEONE AMER INS CO

42803 GUIDEONE ELITE INS CO

31283 GUIDEONE LLOYDS INS CO

15032 GUIDEONE MUT INS CO

14559 GUIDEONE SPECIALTY MUT INS CO

HALLMARK FIN SERV GRP 3478 43494 AMERICAN HALLMARK INS CO OF TX

34037 HALLMARK INS CO

26808 HALLMARK SPECIALTY INS CO

HANNOVER GRP 517 43095 CLARENDON AMER INS CO

20532 CLARENDON NATL INS CO

22560 CLARENDON SELECT INS CO

21806 HARBOR SPECIALTY INS CO

41343 HDI GERLING AMER INS CO

HARFORD GRP 447 40100 FIRSTLINE NATL INS CO

14141 HARFORD MUT INS CO

HARLEYSVILLE GRP 253 13382 HARLEYSVILLE ATLANTIC INS CO

23582 HARLEYSVILLE INS CO

42900 HARLEYSVILLE INS CO OF NJ

33235 HARLEYSVILLE INS CO OF NY

10060 HARLEYSVILLE INS CO OF OH

14516 HARLEYSVILLE LAKE STATES INS CO

14168 HARLEYSVILLE MUT INS CO

40983 HARLEYSVILLE PENNLAND INS CO

35696 HARLEYSVILLE PREFERRED INS CO

26182 HARLEYSVILLE WORCESTER INS CO

10674 MAINLAND INS CO

HARTFORD FIRE & CAS GRP 91 21822 FIRST STATE INS CO

22357 HARTFORD ACCIDENT & IND CO

29424 HARTFORD CAS INS CO

19682 HARTFORD FIRE IN CO

38288 HARTFORD INS CO OF IL

37478 HARTFORD INS CO OF THE MIDWEST

38261 HARTFORD INS CO OF THE SOUTHEAST



INDEX OF COMPANIES



Company Name


By Group


HARTFORD FIRE & CAS GRP 91 38253 HARTFORD LLOYDS INS CO

30104 HARTFORD UNDERWRITERS INS CO

21830 NEW ENGLAND INS CO

39608 NUTMEG INS CO

10046 PACIFIC INS CO LTD

34690 PROPERTY & CAS INS CO OF HARTFORD

11000 SENTINEL INS CO LTD

27120 TRUMBULL INS CO

29459 TWIN CITY FIRE INS CO CO

HAWAII MEDICAL SERV ASSN GRP 1142 10390 WORKCOMP HI INS CO INC

10797 WORKCOMP HI SELECT INC

HCC INS HOLDINGS GRP 984 10216 AMERICAN CONTRACTORS IND CO

10367 AVEMCO INS CO

36781 HCC INS CO

11243 HCC SPECIALTY INS CO

42374 HOUSTON CAS CO

12670 PIONEER GEN INS CO

10656 UNITED STATES SURETY CO

29599 US SPECIALTY INS CO

HCSC GRP 917 29718 GHS PROP & CAS INS CO

HEALTHMARKETS GRP 264 11134 FIDELITY FIRST INS CO

HIGHMARK GRP 812 35599 HIGHMARK CAS INS CO

13016 HM CAS INS CO

HINGHAM MUT GRP 1229 37346 DANBURY INS CO

14192 HINGHAM MUT FIRE INS CO

HMHSI TRUST GRP 3951 31224 HANYS MEMBER HOSP SELF INS TRUST

12519 HEALTHCARE PROFESSIONAL INS CO INC

HOCHHEIM PRAIRIE GRP 147 36862 HOCHHEIM PRAIRIE CAS INS CO

31054 HOCHHEIM PRAIRIE FARM MUT INS ASSOC

HOME STATE INS GRP 3179 28746 EQUITY INS CO

29297 HOME STATE CNTY MUT INS CO

HOMEWISE GRP 4111 12438 HOMEWISE INS CO

12582 HOMEWISE PREFERRED INS CO

HORACE MANN GRP 300 22578 HORACE MANN INS CO

10996 HORACE MANN LLOYDS

22756 HORACE MANN PROP & CAS INS CO

22683 TEACHERS INS CO

HOSPITAL SERV GRP 861 10686 MEDICAL LIAB ALLIANCE



INDEX OF COMPANIES



Company Name


By Group


HOSPITAL SERV GRP 861 27642 MISSOURI HOSPITAL PLAN

HOUSING AUTHORITY PROP GRP 4359 10069 HOUSING AUTHORITY PROP A MUT CO

26797 HOUSING AUTHORITY RRG INC

11206 HOUSING ENTERPRISE INS CO INC

HSBC GRP 352 28657 HSBC INS CO OF DE

HUG SERV GRP 1299 37788 HOSPITAL UNDERWRITING GRP INC

33359 PROFESSIONAL LIAB INS CO

IAT REINS CO GRP 225 10349 ACCEPTANCE CAS INS CO

20010 ACCEPTANCE IND INS CO

26433 HARCO NATL INS CO

23248 OCCIDENTAL FIRE & CAS CO OF NC

28886 TRANSGUARD INS CO OF AMER INC

13234 WILSHIRE INS CO

IFG CO GRP 479 23620 BURLINGTON INS CO

11177 FIRST FIN INS CO

10956 GUILFORD INS CO

IMT MUT HOLDING GRP 3991 14257 IMT INS CO

12528 WADENA INS CO

INDEPENDENCE BLUE CROSS GRP 936 10975 AMERIHEALTH CAS INS CO

INDIANA FARM BUREAU GRP 542 10022 COUNTRYWAY INS CO

23868 UFB CAS INS CO

15288 UNITED FARM FAMILY MUT INS CO

INDIANA LUMBERMENS GRP 246 14265 INDIANA LUMBERMENS MUT INS CO

11087 LONE STAR NATL INS CO

11089 NATIONAL BUILDING MATERIAL ASSUR CO

INFINITY PROP & CAS INS GRP 3495 10068 HILLSTAR INS CO

39497 INFINITY ASSUR INS CO

11738 INFINITY AUTO INS CO

21792 INFINITY CAS INS CO

13820 INFINITY CNTY MUT INS CO

35211 INFINITY GEN INS CO

10061 INFINITY IND INS CO

22268 INFINITY INS CO

10195 INFINITY PREFERRED INS CO

37001 INFINITY PREMIER INS CO

10968 INFINITY RESERVE INS CO

16802 INFINITY SAFEGUARD INS CO

38873 INFINITY SECURITY INS CO

20260 INFINITY SELECT INS CO



INDEX OF COMPANIES



Company Name


By Group


INFINITY PROP & CAS INS GRP 3495 31925 INFINITY SPECIALTY INS CO

12599 INFINITY STANDARD INS CO

INSCO INS SERVICES GRP 75 12718 DEVELOPERS SURETY & IND CO

25550 INDEMNITY CO OF CA

INSURORS IND GRP 3279 43273 INSURORS IND CO

11496 INSURORS IND LLOYDS

IOWA FARM BUREAU GRP 513 13773 FARM BUREAU MUT INS CO

27871 WESTERN AGRIC INS CO

IRONSHORE GRP 4509 23647 IRONSHORE IND INC

25445 IRONSHORE SPECIALTY INS CO

ISLAND INS CO GRP 106 22845 ISLAND INS CO LTD

11689 ISLAND PREMIER INS CO LTD

22853 TRADEWIND INS CO LTD

ISMIE GRP 2358 11084 ISMIE IND CO

32921 ISMIE MUT INS CO

J A PATTERSON GRP 3488 27081 BOND SAFEGUARD INS CO

13307 LEXON INS CO

JAMES RIVER GRP 3494 12203 JAMES RIVER INS CO

11828 STONEWOOD INS CO

JERGER HOLDINGS GRP 4686 12359 AMERICAN TRADITIONS INS CO

12957 MODERN USA INS CO

JM FAMILY GRP 281 26492 COURTESY INS CO

JPMORGAN CHASE & CO GRP 9 12832 PERSONAL EXPRESS INS CO

12338 SEQUOIA IND CO

22985 SEQUOIA INS CO

KENTUCKY FARM BUREAU GRP 109 23000 FB INS CO

22993 KENTUCKY FARM BUR MUT INS CO

KERNAN GRP 3384 15440 FINANCIAL BENEFITS INS CO

33030 INS CO OF THE AMERICAS

30175 ORISKA INS CO

26549 REINSURANCE CO OF AMER INC

KINGSWAY GRP 1326 38237 AMERICAN COUNTRY INS CO

42897 AMERICAN SERV INS CO INC

33855 LINCOLN GEN INS CO

22454 MENDAKOTA INS CO

33650 MENDOTA INS CO

12629 SOUTHERN UNITED FIRE INS CO



INDEX OF COMPANIES



Company Name


By Group


KINGSWAY GRP 1326 42862 UNIVERSAL CAS CO

21300 US SECURITY INS CO

11026 ZEPHYR INS CO INC

LACKAWANNA INS GRP 3118 11219 LACKAWANNA AMER INS CO

11703 LACKAWANNA CAS CO

12274 LACKAWANNA NATL INS CO

LANDCAR INS GRP 503 37109 LANDCAR CAS CO

LAWYERS MUT LIAB GRP 3320 36013 LAWYERS MUT LIAB INS CO OF NC

LIBERTY MUT GRP 111 12696 AMERICA FIRST INS CO

11526 AMERICA FIRST LLOYDS INS CO

19690 AMERICAN ECONOMY INS CO

24066 AMERICAN FIRE & CAS CO

19704 AMERICAN STATES INS CO

19712 AMERICAN STATES INS CO OF TX

31933 AMERICAN STATES LLOYDS INS CO

37214 AMERICAN STATES PREFERRED INS CO

10335 BRIDGEFIELD CAS INS CO

10701 BRIDGEFIELD EMPLOYERS INS CO

41785 COLORADO CAS INS CO

22640 CONSOLIDATED INS CO

21458 EMPLOYERS INS OF WAUSAU

11045 EXCELSIOR INS CO

33588 FIRST LIBERTY INS CORP

24724 FIRST NATL INS CO OF AMER

24732 GENERAL INS CO OF AMER

10836 GOLDEN EAGLE INS CORP

36919 HAWKEYE SECURITY INS CO

22659 INDIANA INS CO

26700 INSURANCE CO OF IL

19544 LIBERTY CNTY MUT INS CO

42404 LIBERTY INS CORP

19917 LIBERTY INS UNDERWRITERS INC

11041 LIBERTY LLOYDS OF TX INS CO

23035 LIBERTY MUT FIRE INS CO

23043 LIBERTY MUT INS CO

14486 LIBERTY MUT MID ATLANTIC INS CO

41939 LIBERTY NORTHWEST INS CORP

11746 LIBERTY PERSONAL INS CO

10725 LIBERTY SURPLUS INS CORP

36447 LM GEN INS CO

33600 LM INS CORP

36439 LM PERSONAL INS CO



INDEX OF COMPANIES



Company Name


By Group


LIBERTY MUT GRP 111 32352 LM PROP & CAS INS CO

23507 MID AMER FIRE & CAS CO

23515 MIDWESTERN IND CO

14613 MONTGOMERY MUT INS CO

27944 NATIONAL INS ASSN

24171 NETHERLANDS INS CO THE

23892 NORTH PACIFIC INS CO

24074 OHIO CAS INS CO

24082 OHIO SECURITY INS CO

23922 OREGON AUTOMOBILE INS CO

18333 PEERLESS IND INS CO

24198 PEERLESS INS CO

24740 SAFECO INS CO OF AMER

39012 SAFECO INS CO OF IL

11215 SAFECO INS CO OF IN

11071 SAFECO INS CO OF OR

11070 SAFECO LLOYDS INS CO

24759 SAFECO NATL INS CO

11100 SAFECO SURPLUS LINES INS CO

26069 WAUSAU BUSINESS INS CO

26425 WAUSAU GEN INS CO

26042 WAUSAU UNDERWRITERS INS CO

44393 WEST AMER INS CO

LIFE OF THE SOUTH CORP GRP 17 11162 INSURANCE CO OF THE SOUTH

10051 LYNDON SOUTHERN INS CO

LIGHTYEAR DELOS GRP 4381 35408 DELOS INS CO

12936 NAXOS INS CO

LITITZ MUT GRP 1319 17086 FARMERS & MECHANICS MUT INS CO

14400 LITITZ MUT INS CO

10748 LIVINGSTON MUT INS CO

17620 PENN CHARTER MUT INS CO

LOCKHART INS GRP 4508 17779 GUARDIAN INS CO INC

LOYA GRP 3702 12589 LOYA CAS INS CO

11198 LOYA INS CO

10157 VISION INS CO

LUMBERMENS MUT CAS GRP 108 30562 AMERICAN MANUFACTURERS MUT INS CO

22918 AMERICAN MOTORISTS INS CO

27138 KEMPER CAS INS CO

41351 KEMPER INS CO OF TX

22977 LUMBERMENS MUT CAS CO

11622 SPECIALTY SURPLUS INS CO



INDEX OF COMPANIES



Company Name


By Group


MAG MUT INS GRP 413 42617 MAG MUT INS CO

11811 PROFESSIONAL SECURITY INS CO

MAIN STREET AMER GRP 311 10787 GREAT LAKES CAS INS CO

29939 MAIN ST AMER ASSUR CO

13026 MAIN STREET AMER PROTECTION INS CO

11066 MSA INS CO

14788 NGM INS CO

40231 OLD DOMINION INS CO

MAINE EMPLOYERS MUT INS GRP 1332 11149 MAINE EMPLOYERS MUT INS CO

11030 MEMIC IND CO

MAPFRE INS GRP 411 23876 MAPFRE INS CO

34932 MAPFRE INS CO OF FL

31690 MAPFRE PAN AMER INS CO

43052 MAPFRE PRAICO INS CO

18120 MAPFRE PREFERRED RISK INS CO

MARKEL CORP GRP 785 27189 ASSOCIATED INTL INS CO

37184 DEERFIELD INS CO

39020 ESSEX INS CO

35378 EVANSTON INS CO

28932 MARKEL AMER INS CO

38970 MARKEL INS CO

MAX CAPITAL GRP 4636 21296 MAX AMER INS CO

33189 MAX SPECIALTY INS CO

MAXUM SPECIALTY INS GRP 3589 10784 MAXUM CAS INS CO

26743 MAXUM IND CO

MBIA GRP 528 20877 CAPITAL MARKETS ASSUR CORP

12041 MBIA INS CORP

23825 NATIONAL PUBLIC FINANCE GUAR CORP

MEADOWBROOK INS GRP 748 10665 AMERITRUST INS CORP

36951 CENTURY SURETY CO

21903 PROCENTURY INS CO

16551 SAVERS PROP & CAS INS CO

18023 STAR INS CO

25780 WILLIAMSBURG NATL INS CO

MEDICAL INS EXCH OF CA GRP 608 36412 CLAREMONT LIAB INS CO

32433 MEDICAL INS EXCH OF CA

MEDICAL INS GRP 184 32522 MEDICAL MUT INS CO OF NC

33090 MEDICAL SECURITY INS CO

MEDICAL INS OF MD GRP 377 32328 MEDICAL MUT LIAB INS SOCIETY OF MD



INDEX OF COMPANIES



Company Name


By Group


MEDICAL INS OF MD GRP 377 29017 PROFESSIONALS ADVOCATE INS CO

MEDMARK INS GRP 1113 22241 MEDMARC CAS INS CO

17400 NOETIC SPECIALTY INS CO

MERCER INS GRP 1114 31453 FINANCIAL PACIFIC INS CO

10728 FRANKLIN INS CO

14478 MERCER INS CO

43540 MERCER INS CO OF NJ INC

MERCHANTS BONDING CO GRP 3479 14494 MERCHANTS BONDING CO A MUT

11595 NATIONS BONDING CO

31593 NORTHERN CAS CO

MERCHANTS MUT GRP 226 23329 MERCHANTS MUT INS CO

12775 MERCHANTS NATL INS CO

12901 MERCHANTS PREFERRED INS CO

MERCURY GEN GRP 660 16810 AMERICAN MERCURY INS CO

25470 AMERICAN MERCURY LLOYDS INS CO

38342 CALIFORNIA AUTOMOBILE INS CO

11908 MERCURY CAS CO

29394 MERCURY CNTY MUT INS CO

11201 MERCURY IND CO OF AMER

10015 MERCURY IND CO OF GA

27553 MERCURY INS CO

11202 MERCURY INS CO OF FL

34410 MERCURY INS CO OF GA

34444 MERCURY INS CO OF IL

27988 MERCURY NATL INS CO

METROPOLITAN GRP 241 22926 ECONOMY FIRE & CAS CO

38067 ECONOMY PREFERRED INS CO

40649 ECONOMY PREMIER ASSUR CO

40169 METROPOLITAN CAS INS CO

25321 METROPOLITAN DRT PROP & CAS INS CO

39950 METROPOLITAN GEN INS CO

34339 METROPOLITAN GRP PROP & CAS INS CO

13938 METROPOLITAN LLOYDS INS CO TX

26298 METROPOLITAN PROP & CAS INS CO

MGIC GRP 105 22594 MGIC ASSUR CORP GEN ACCOUNT

10682 MGIC CREDIT ASSUR CORP

18740 MGIC IND CORP

29858 MORTGAGE GUAR INS CORP

MICHIGAN FARM BUREAU GRP 67 21547 FARM BUREAU GEN INS CO OF MI

21555 FARM BUREAU MUT INS CO OF MI



INDEX OF COMPANIES



Company Name


By Group


MIDDLE GA GRP 3550 20168 GLOBAL INS CO

14524 MIDDLE GA MUT INS CO

MILLERS FIRST INS CO GRP 855 40185 MILLERS CLASSIFIED INS CO

14583 MILLERS FIRST INS CO

MINNESOTA MUT GRP 869 30112 CNL INS AMER INC

10054 SECURIAN CAS CO

MIRAGE INTERESTS GRP 3497 11853 RANCHERS & FARMERS INS CO

10199 RANCHERS & FARMERS MUT INS CO

MISSOURI FARM BUREAU GRP 514 12345 FARM BUREAU NEW HORIZONS INS CO OF M

26859 FARM BUREAU TOWN & COUNTRY INS CO OF

MITSUI SUMITOMO INS GRP 2978 20362 MITSUI SUMITOMO INS CO OF AMER

22551 MITSUI SUMITOMO INS USA INC

13697 MSIG INS (SINGAPORE) PTE LTD

MLMIC GRP 1210 34231 MEDICAL LIAB MUT INS CO

42226 PRINCETON INS CO

MOTORISTS MUT GRP 291 13331 AMERICAN HARDWARE MUT INS CO

31577 IOWA AMER INS CO

14338 IOWA MUT INS CO

40932 MICO INS CO

14621 MOTORISTS MUT INS CO

19950 WILSON MUT INS CO

MOUNTAIN STATES INS CO GRP 791 10177 MOUNTAIN STATES IND CO

14648 MOUNTAIN STATES MUT CAS CO

MUNICH RE GRP 361 19720 AMERICAN ALT INS CORP

23450 AMERICAN FAMILY HOME INS CO

23469 AMERICAN MODERN HOME INS CO

12314 AMERICAN MODERN INS CO OF FL

42005 AMERICAN MODERN LLOYDS INS CO

38652 AMERICAN MODERN SELECT INS CO

12489 AMERICAN MODERN SURPLUS LINES INS CO

41998 AMERICAN SOUTHERN HOME INS CO

35912 AMERICAN WESTERN HOME INS CO

42722 FIRST MARINE INS CO

10227 MUNICH REINS AMER INC

10786 PRINCETON EXCESS & SURPLUS LINES INS

MUTUAL BENEFIT GRP 640 14664 MUTUAL BENEFIT INS CO

17752 SELECT RISK INS CO

MUTUAL FIRE MARINE & INLAND INS GRP 888 10680 FRANKLIN HOMEOWNERS ASSUR CO

14729 MUTUAL FIRE MARINE & INLAND INS CO



INDEX OF COMPANIES



Company Name


By Group


MUTUAL INSURERS HOLDING GRP 4675 10859 FIRST NONPROFIT INS CO

14591 MILWAUKEE INS CO

MUTUAL OF ENUMCLAW GRP 333 11232 ENUMCLAW PROP & CAS INS CO

14761 MUTUAL OF ENUMCLAW INS CO

MUTUAL OF OMAHA GRP 261 12254 OMAHA IND CO

NATIONAL GRP 508 10801 FORTRESS INS CO

44121 OMS NATL INS CO RRG

NATIONAL GUAR GRP 4511 19011 DRIVERS INS CO

12068 NATIONAL GUAR INS CO

NATIONAL INS CO GRP 343 12216 NATIONAL GRP INS CO

12076 NATIONAL INS CO

NATIONAL SECURITY GRP 316 12114 NATIONAL SECURITY FIRE & CAS CO

16212 OMEGA ONE INS CO

NATIONWIDE CORP GRP 140 42579 ALLIED PROP & CAS INS CO

19100 AMCO INS CO

29262 COLONIAL CNTY MUT INS CO

18961 CRESTBROOK INS CO

42587 DEPOSITORS INS CO

13838 FARMLAND MUT INS CO

11991 NATIONAL CAS CO

26093 NATIONWIDE AFFINITY CO OF AMER

28223 NATIONWIDE AGRIBUSINESS INS CO

10723 NATIONWIDE ASSUR CO

23760 NATIONWIDE GEN INS CO

25453 NATIONWIDE INS CO OF AMER

10948 NATIONWIDE INS CO OF FL

42110 NATIONWIDE LLOYDS

23779 NATIONWIDE MUT FIRE INS CO

23787 NATIONWIDE MUT INS CO

37877 NATIONWIDE PROP & CAS INS CO

15580 SCOTTSDALE IND CO

41297 SCOTTSDALE INS CO

10672 SCOTTSDALE SURPLUS LINES INS CO

13242 TITAN IND CO

36269 TITAN INS CO

42285 VETERINARY PET INS CO

10644 VICTORIA AUTOMOBILE INS CO

42889 VICTORIA FIRE & CAS CO

10778 VICTORIA NATL INS CO

10105 VICTORIA SELECT INS CO



INDEX OF COMPANIES



Company Name


By Group


NATIONWIDE CORP GRP 140 10777 VICTORIA SPECIALTY INS CO

37150 WESTERN HERITAGE INS CO

NATIONWIDE FUND GRP 178 14249 FOUNDERS INS CO

18180 FOUNDERS INS CO OF MI

NATL GEN GRP 948 36765 GULF GUAR INS CO

NAVIGATORS GRP 510 42307 NAVIGATORS INS CO

36056 NAVIGATORS SPECIALTY INS CO

NBIS GRP 4573 11671 PROBUILDERS SPECIALTY INS CO RRG

NCMIC GRP 2638 15865 NCMIC INS CO

11127 PROFESSIONAL SOLUTIONS INS CO

NEVADA CONTRACTORS INS GRP 1328 11025 BUILDERS INS CO INC

NEW JERSEY MANUFACTURERS GRP 708 10732 NEW JERSEY CAS INS CO

10978 NEW JERSEY IND INS CO

12122 NEW JERSEY MANUFACTURERS INS CO

35432 NEW JERSEY RE INS CO

NEW LONDON CNTY GRP 787 14826 NEW LONDON CNTY MUT INS CO

37354 THAMES INS CO INC

NEW MEXICO MUT GRP 1112 23051 NEW MEXICO FOUNDATION INS CO

40627 NEW MEXICO MUT CAS CO

10207 NEW MEXICO SW CAS CO

NEW SKYLANDS GRP 3341 11454 NEW JERSEY SKYLANDS INS ASSN

11453 NEW JERSEY SKYLANDS INS CO

NEW YORK MARINE & GEN GRP 256 25569 GOTHAM INS CO

16608 NEW YORK MARINE & GEN INS CO

12294 SOUTHWEST MARINE & GEN INS CO

NLASCO GRP 732 19623 AMERICAN SUMMIT INS CO

15474 NATIONAL LLOYDS INS CO

NODAK MUT GRP 3500 44270 AMERICAN WEST INS CO

34592 NODAK MUT INS CO

NORCAL GRP 1282 33200 NORCAL MUT INS CO

35114 PMSLIC INS CO

NORFOLK & DEDHAM GRP 144 13706 DORCHESTER MUT INS CO

13943 FITCHBURG MUT INS CO

23965 NORFOLK & DEDHAM MUT FIRE INS CO

NORTH AMER BUILDERS GRP 3482 11603 CONTRACTORS INS CO OF N AMER INC RRG

NORTH CAROLINA FARM BUREAU GRP 324 10034 FARM BUREAU INS OF NC INC



INDEX OF COMPANIES



Company Name


By Group


NORTH CAROLINA FARM BUREAU GRP 324 14842 NORTH CAROLINA FARM BUR MUT INS CO

NORTH STAR CO GRP 698 14850 NORTH STAR MUT INS CO

NORTHERN CAPITAL GRP 4486 12568 NORTHERN CAPITAL INS CO

OCEAN HARBOR GRP 4051 12360 OCEAN HARBOR CAS INS CO

12563 SAFE HARBOR INS CO

OHIO MUT GRP 963 10202 OHIO MUT INS CO

13072 UNITED OHIO INS CO

OKLAHOMA FARM BUREAU GRP 220 21571 AG SECURITY INS CO

21563 OKLAHOMA FARM BUREAU MUT INS CO

OLD REPUBLIC GRP 150 40789 AMERICAN BUS & PERSONAL INS MUT INC

20095 BITUMINOUS CAS CORP

20109 BITUMINOUS FIRE & MARINE INS CO

11371 GREAT WEST CAS CO

24139 OLD REPUBLIC GEN INS CORP

24147 OLD REPUBLIC INS CO

18635 OLD REPUBLIC LLOYDS OF TX

40444 OLD REPUBLIC SURETY CO

31143 OLD REPUBLIC UNION INS CO

28452 REPUBLIC MORTGAGE INS CO

31275 REPUBLIC MORTGAGE INS OF NC

OPTIMUM GRP 1167 16543 OPTIMUM PROP & CAS INS CO

OREGON DENTAL GRP 1313 18813 DENTISTS BENEFITS INS CO

32417 NORTHWEST DENTISTS INS CO

OREGON MUT GRP 645 14907 OREGON MUT INS CO

30961 WESTERN PROTECTORS INS CO

PALISADES GRP 1227 28959 HIGH POINT PREFERRED INS CO

10930 HIGH POINT PROP & CAS INS CO

10931 HIGH POINT SAFETY & INS CO

10791 PALISADES INS CO

10100 PALISADES PROP & CAS INS CO

22050 PALISADES SAFETY & INS ASSOC

12212 TEACHERS AUTO INS CO

12357 TWIN LIGHTS INS CO

PARTNERS LTD GRP 3724 18376 HERMITAGE INS CO

29750 KODIAK INS CO

PEKIN INS GRP 153 24201 FARMERS AUTOMOBILE INS ASSOC

24228 PEKIN INS CO

PENN MILLER GRP 125 14982 PENN MILLERS INS CO



INDEX OF COMPANIES



Company Name


By Group


PENNSYLVANIA MANUFACTURERS GRP 767 36897 MANUFACTURERS ALLIANCE INS CO

12262 PENNSYLVANIA MANUFACTURERS ASSOC INS

41424 PENNSYLVANIA MANUFACTURERS IND CO

39675 PMA CAPITAL INS CO

PENNSYLVANIA NATL INS GRP 271 10994 FOUNDERS INS CO

32441 PENN NATL SECURITY INS CO

14990 PENNSYLVANIA NATL MUT CAS INS CO

PGC HOLDING CORP GRP 3638 37648 PERMANENT GEN ASSUR CORP

22906 PERMANENT GEN ASSUR CORP OF OH

PHARMACISTS MUT GRP 775 13714 PHARMACISTS MUT INS CO

PHILADELPHIA CONSOLIDATED HOLDING GR 677 10955 LIBERTY AMER INS CO

32760 LIBERTY AMER SELECT INS CO

18058 PHILADELPHIA IND INS CO

23850 PHILADELPHIA INS CO

PHILADELPHIA CONTRIBUTIONSHIP GRP 308 11282 GERMANTOWN INS CO

17930 PHILADELPHIA CONTRIBUTIONSHIP FOR IN

17914 PHILADELPHIA CONTRIBUTIONSHIP INS

PHILADELPHIA UNITED GRP 287 12327 PHILADELPHIA UNITED FIRE INS CO

PHYSICIANS INS A MUT GRP 464 40738 PHYSICIANS INS A MUT CO

10942 WESTERN PROFESSIONAL INS CO

PICA GRP 3504 10222 PACO ASSUR CO INC

14460 PODIATRY INS CO OF AMER

PLICO COS GRP 4661 39594 PHYSICIANS LIAB INS CO

PLYMOUTH ROCK INS GRP 415 10394 BUNKER HILL INS CO

43982 MT WA ASSUR CORP

21750 PILGRIM INS CO

14737 PLYMOUTH ROCK ASSUR CORP

PMI GRP 1135 12815 FINANCIAL GUAR INS CO

10287 PMI INS CO

18732 PMI MORTGAGE ASSUR CO

27251 PMI MORTGAGE INS CO

PRIME HOLDINGS INS GRP 4131 12588 PRIME INS CO

PROALLIANCE GRP 3592 39551 CONTINENTAL HERITAGE INS CO

12750 EVERGREEN NATL IND CO

PROASSURANCE CORP GRP 2698 38954 PROASSURANCE CAS CO

33391 PROASSURANCE IND CO INC

41149 PROASSURANCE NATL CAPITAL INS CO



INDEX OF COMPANIES



Company Name


By Group


PROASSURANCE CORP GRP 2698 10179 PROASSURANCE SPECIALTY INS CO

23400 PROASSURANCE WI INS CO

PRODUCERS LLOYDS GRP 3382 34312 PRODUCERS AGRICULTURE INS CO

33170 PRODUCERS LLOYDS INS CO

PROGRESSIVE GRP 155 10194 ARTISAN & TRUCKERS CAS CO

11410 DRIVE NJ INS CO

44180 MOUNTAIN LAUREL ASSUR CO

10243 NATIONAL CONTINENTAL INS CO

11851 PROGRESSIVE ADVANCED INS CO

24252 PROGRESSIVE AMER INS CO

17350 PROGRESSIVE BAYSIDE INS CO

24260 PROGRESSIVE CAS INS CO

44288 PROGRESSIVE CHOICE INS CO

42994 PROGRESSIVE CLASSIC INS CO

29203 PROGRESSIVE CNTY MUT INS CO

16322 PROGRESSIVE DIRECT INS CO

10193 PROGRESSIVE EXPRESS INS CO

12302 PROGRESSIVE FREEDOM INS CO

14800 PROGRESSIVE GARDEN STATE INS CO

42412 PROGRESSIVE GULF INS CO

10067 PROGRESSIVE HI INS CORP

37605 PROGRESSIVE MARATHON INS CO

24279 PROGRESSIVE MAX INS CO

10187 PROGRESSIVE MI INS CO

35190 PROGRESSIVE MOUNTAIN INS CO

38628 PROGRESSIVE NORTHERN INS CO

42919 PROGRESSIVE NORTHWESTERN INS CO

44695 PROGRESSIVE PALOVERDE INS CO

37834 PROGRESSIVE PREFERRED INS CO

21735 PROGRESSIVE PREMIER INS CO OF IL

10050 PROGRESSIVE SECURITY INS CO

10192 PROGRESSIVE SELECT INS CO

38784 PROGRESSIVE SOUTHEASTERN INS CO

32786 PROGRESSIVE SPECIALTY INS CO

21727 PROGRESSIVE UNIVERSAL INS CO

27804 PROGRESSIVE WEST INS CO

11770 UNITED FINANCIAL CAS CO

PROMUTUAL GRP 1154 10206 MEDICAL PROFESSIONAL MUT INS CO

10638 PROSELECT INS CO

PROTECTIVE LIFE INS GRP 458 35769 LYNDON PROP INS CO

PROVIDENCE GRP 382 15040 PROVIDENCE MUT FIRE INS CO



INDEX OF COMPANIES



Company Name


By Group


PROVIDENCE HOLDINGS INC GRP 3499 11487 IMPERIAL CAS & IND CO

PUBLIC EMPLOYEES GRP 157 18805 PEMCO INS CO

24341 PEMCO MUT INS CO

PUBLIC SERV GRP 853 10830 BUSINESS ALLIANCE INS CO

40177 PARAMOUNT INS CO

15059 PUBLIC SERV MUT INS CO

PURE COMPANIES GRP 4664 12873 PRIVILEGE UNDERWRITERS RECP EXCH

PW GRP 156 31909 AMERICAN CONCEPT INS CO

24295 PROVIDENCE WASHINGTON INS CO

24325 YORK INS CO

QBE INS GRP 796 40754 BLUE RIDGE IND CO

24503 BLUE RIDGE INS CO

30589 CAPITAL CITY INS CO INC

24414 GENERAL CAS CO OF WI

18821 GENERAL CAS INS CO

27570 HOOSIER INS CO

16217 NATIONAL FARMERS UNION PROP & CAS

39462 NORTH POINTE CAS INS CO

27740 NORTH POINTE INS CO

37257 PRAETORIAN INS CO

39217 QBE INS CORP

11515 QBE SPECIALTY INS CO

37303 REDLAND INS CO

24449 REGENT INS CO

22888 SOUTHERN FIRE & CAS CO

19178 SOUTHERN GUAR INS CO

22861 SOUTHERN PILOT INS CO

44776 TORUS SPECIALTY INS CO

25798 UNIGARD IND CO

25747 UNIGARD INS CO

21776 UNITED SECURITY INS CO

QUANTA US HOLDINGS GRP 3496 23752 QUANTA IND CO

11446 QUANTA SPECIALTY LINES INS CO

QUINCY MUT GRP 1275 12725 NEW ENGLAND MUT INS CO

28290 PATRONS OXFORD INS CO

15067 QUINCY MUT FIRE INS CO

RADIAN GRP 766 30872 AMERIN GUAR CORP

36250 RADIAN ASSET ASSUR INC

33790 RADIAN GUAR INC

20720 RADIAN INS INC



INDEX OF COMPANIES



Company Name


By Group


RANDALL & QUILTER INVESMENT GRP 4234 33014 TRANSPORT INS CO

RAS DAKOTA GRP 1124 34924 DAKOTA TRUCK UNDERWRITERS

10351 FIRST DAKOTA IND CO

RELIAMAX HOLDING GRP 4152 12535 RELIAMAX INS CO

12623 RELIAMAX SURETY CO

RESPONSE INS GRP 1234 39004 NATIONAL MERIT INS CO

10811 RESPONSE IND CO

10970 RESPONSE IND CO OF CA

43044 RESPONSE INS CO

20133 RESPONSE WORLDWIDE DIRECT AUTO INS C

26050 RESPONSE WORLDWIDE INS CO

26085 WARNER INS CO

RLI INS GRP 783 37974 MT HAWLEY INS CO

28860 RLI IND CO

13056 RLI INS CO

ROCKHILL HOLDING GRP 4463 45934 AMERICAN COMPENSATION INS CO

12311 BLOOMINGTON COMPENSATION INS CO

30945 PLAZA INS CO

28053 ROCKHILL INS CO

ROCKINGHAM GRP 899 42595 ROCKINGHAM CAS CO

10214 ROCKINGHAM MUT INS CO

ROTHSCHILD INTL GRP 3485 43915 RAINIER INS CO

41580 RED SHIELD INS CO

RVI GRP 4071 10344 RVI AMER INS CO

23132 RVI NATL INS CO

SAFETY GRP 188 33618 SAFETY IND INS CO

39454 SAFETY INS CO

12808 SAFETY PROP & CAS INS CO

SAFEWAY INS GRP 257 29300 OAK BROOK CNTY MUT INS CO

10939 SAFEWAY DIRECT INS CO

12521 SAFEWAY INS CO

11223 SAFEWAY INS CO OF AL

25640 SAFEWAY INS CO OF GA

10248 SAFEWAY INS CO OF LA

17248 SAFEWAY PROP INS CO

SCF GRP 4485 36714 SCF AZ

12741 SCF PREMIER INS CO

SCOR GRP 749 20559 GENERAL SECURITY IND CO OF AZ



INDEX OF COMPANIES



Company Name


By Group


SCOR GRP 749 39322 GENERAL SECURITY NATL INS CO

SECURA INS GRP 96 22543 SECURA INS A MUT CO

10239 SECURA SUPREME INS CO

SECURITY BANCSHARES GRP 4278 43133 APEX LLOYDS INS CO

SEIBELS BRUCE GRP 168 24937 CATAWBA INS CO

32972 UNIVERSAL INS CO

SELECTIVE INS GRP 242 11074 SELECTIVE AUTO INS CO OF NJ

12572 SELECTIVE INS CO OF AMER

11867 SELECTIVE INS CO OF NEW ENGLAND

13730 SELECTIVE INS CO OF NY

19259 SELECTIVE INS CO OF SC

39926 SELECTIVE INS CO OF THE SOUTHEAST

26301 SELECTIVE WAY INS CO

SENTRY INS GRP 169 26441 DAIRYLAND CNTY MUT INS CO OF TX

21164 DAIRYLAND INS CO

23434 MIDDLESEX INS CO

23442 PATRIOT GEN INS CO

18139 PEAK PROP & CAS INS CORP

28460 SENTRY CAS CO

24988 SENTRY INS A MUT CO

43370 SENTRY LLOYDS OF TX

21180 SENTRY SELECT INS CO

29238 VIKING CNTY MUT INS CO

13137 VIKING INS CO OF WI

SERVICE LIFE GRP 681 43389 SERVICE LLOYDS INS CO

SFM GRP 4279 11347 SFM MUT INS CO

27049 SFM SELECT INS CO

SHELTER INS GRP 123 31550 HAULERS INS CO INC

23361 SHELTER GEN INS CO

23388 SHELTER MUT INS CO

26557 SHELTER REINS CO

SOMPO JAPAN INS GRP 3219 38997 SOMPO JAPAN FIRE & MAR INS CO AMER

11126 SOMPO JAPAN INS CO OF AMER

SOUTH CAROLINA FARM BUREAU MUT GRP 533 42393 PALMETTO CAS INS CO

15164 SOUTH CAROLINA FARM BUR MUT INS CO

SOUTHERN FARM BUREAU CAS GRP 483 27820 FARM BUREAU CNTY MUT INS CO OF TX

21817 FLORIDA FARM BUR GEN INS CO

31216 FLORIDA FARM BUREAU CAS INS CO

40924 LOUISIANA FARM BUREAU CAS INS CO



INDEX OF COMPANIES



Company Name


By Group


SOUTHERN FARM BUREAU CAS GRP 483 27669 MISSISSIPPI FARM BUREAU CAS INS CO

18325 SOUTHERN FARM BUREAU CAS INS CO

13004 TEXAS FARM BUREAU CAS INS CO

SOUTHERN GEN GRP 254 37141 SOUTHERN GEN INS CO

37311 SOUTHERN GEN UNDERWRITERS INS CO

SOUTHWEST INS PARTNERS GRP 4669 18694 GREAT MIDWEST INS CO

STATE AUTO MUT GRP 175 11284 BEACON LLOYDS INS CO

20028 BEACON NATL INS CO

13811 FARMERS CAS INS CO

32085 LITCHFIELD MUT FIRE INS CO

10502 MERIDIAN CITIZENS MUT INS CO

23353 MERIDIAN SECURITY INS CO

41653 MILBANK INS CO

14923 PATRONS MUT INS CO OF CT

11502 STATE AUTO FL INS CO

11017 STATE AUTO INS CO OF OH

31755 STATE AUTO INS CO OF WI

19530 STATE AUTO NATL INS CO

25127 STATE AUTO PROP & CAS INS CO

25135 STATE AUTOMOBILE MUT INS CO

STATE FARM GRP 176 26816 STATE FARM CNTY MUT INS CO OF TX

25143 STATE FARM FIRE & CAS CO

10739 STATE FARM FL INS CO

25151 STATE FARM GEN INS CO

12251 STATE FARM GUAR INS CO

43796 STATE FARM IND CO

43419 STATE FARM LLOYDS

25178 STATE FARM MUT AUTO INS CO

STATE NATL GRP 93 29408 HALLMARK CNTY MUT INS CO

22608 NATIONAL SPECIALTY INS CO

12831 STATE NATL INS CO INC

12537 UNITED SPECIALTY INS CO

STRICKLAND INS GRP 3911 42846 ATLANTIC CAS INS CO

12508 COASTAL CAS INS CO

SWISS RE GRP 181 25422 ATRADIUS TRADE CREDIT INS CO

20107 ATRADIUS TRADE CREDIT INS CO NJ

34916 FIRST SPECIALTY INS CORP

25038 NORTH AMER CAPACITY INS CO

29700 NORTH AMER ELITE INS CO

29874 NORTH AMER SPECIALTY INS CO

32778 WASHINGTON INTL INS CO



INDEX OF COMPANIES



Company Name


By Group


SWISS RE GRP 181 39845 WESTPORT INS CORP

TD FRIEDKIN GRP 4277 12870 SENTRUITY CAS CO

TENNESSEE FARMERS GRP 694 41220 TENNESSEE FARMERS ASSUR CO

15245 TENNESSEE FARMERS MUT INS CO

TEXAS FARM BUREAU MUT GRP 809 25380 TEXAS FARM BUREAU MUT INS CO

25399 TEXAS FARM BUREAU UNDERWRITERS

THE HANOVER INS GRP 88 12833 AIX SPECIALTY INS CO

10212 ALLMERICA FIN ALLIANCE INS CO

41840 ALLMERICA FIN BENEFIT INS CO

31534 CITIZENS INS CO OF AMER

10714 CITIZENS INS CO OF IL

10176 CITIZENS INS CO OF OH

10395 CITIZENS INS CO OF THE MIDWEST

36064 HANOVER AMER INS CO

22292 HANOVER INS CO

41602 HANOVER LLOYDS INS CO

11705 HANOVER NJ INS CO

22306 MASSACHUSETTS BAY INS CO

42552 NOVA CAS CO

25585 PROFESSIONALS DIRECT INS CO

10815 VERLAN FIRE INS CO MD

THE LDS GRP 905 11124 VERSANT CAS INS CO

THE WARRANTY GRP 4254 40827 VIRGINIA SURETY CO INC

TITUS GRP 210 26190 CONSOLIDATED INS ASSOC

26204 CONSOLIDATED LLOYDS

29246 CONSUMERS CNTY MUT INS CO

TOKIO MARINE HOLDINGS INC GRP 3098 10945 TM CAS INS CO

10738 TM SPECIALTY INS CO

12904 TOKIO MARINE & NICHIDO FIRE INS CO

41238 TRANS PACIFIC INS CO

TOPA EQUITIES LTD GRP 161 31461 DORCHESTER INS CO LTD

18031 TOPA INS CO

TOWER GRP 3703 17205 CASTLEPOINT INS CO

10205 MOUNTAIN VALLEY IND CO

24007 NORTH EAST INS CO

15586 PRESERVER INS CO

44300 TOWER INS CO OF NY

43702 TOWER NATL INS CO

TOWER HILL INS GRP 3484 38644 OMEGA INS CO



INDEX OF COMPANIES



Company Name


By Group


TOWER HILL INS GRP 3484 29050 TOWER HILL PREFERRED INS CO

11027 TOWER HILL PRIME INS CO

12011 TOWER HILL SELECT INS CO

TRAVEL AIR INS GRP 1205 40584 TRAVEL AIR INS CO KS

TRAVELERS GRP 3548 43117 AMERICAN EQUITY INS CO

10819 AMERICAN EQUITY SPECIALTY INS CO

41769 ATHENA ASSUR CO

19062 AUTOMOBILE INS CO OF HARTFORD CT

25615 CHARTER OAK FIRE INS CO

38385 COMMERCIAL GUAR INS CO

36463 DISCOVER PROP & CAS INS CO

10213 DISCOVER SPECIALTY INS CO

41483 FARMINGTON CAS CO

35386 FIDELITY & GUAR INS CO

25879 FIDELITY & GUAR INS UNDERWRITERS INC

10647 FIRST FLORIDIAN AUTO & HOME INS CO

29930 FIRST TRENTON IND CO

42811 GULF UNDERWRITERS INS CO

27987 NORTHFIELD INS CO

24031 NORTHLAND CAS CO

24015 NORTHLAND INS CO

25623 PHOENIX INS CO

12850 PREMIER INS CO OF MA

22233 SELECT INS CO

40967 ST PAUL FIRE & CAS INS CO

24767 ST PAUL FIRE & MARINE INS CO

24775 ST PAUL GUARDIAN INS CO

41750 ST PAUL MEDICAL LIAB INS CO

24791 ST PAUL MERCURY INS CO

19224 ST PAUL PROTECTIVE INS CO

30481 ST PAUL SURPLUS LINES INS CO

19070 STANDARD FIRE INS CO

28188 TRAVCO INS CO

10785 TRAVELERS AUTO INS CO OF NJ

19038 TRAVELERS CAS & SURETY CO

31194 TRAVELERS CAS & SURETY CO OF AMER

36170 TRAVELERS CAS CO OF CT

19046 TRAVELERS CAS INS CO OF AMER

40282 TRAVELERS COMMERCIAL CAS CO

36137 TRAVELERS COMMERCIAL INS CO

29696 TRAVELERS EXCESS & SURPLUS LINES CO

27998 TRAVELERS HOME & MARINE INS CO

25658 TRAVELERS IND CO



INDEX OF COMPANIES



Company Name


By Group


TRAVELERS GRP 3548 25666 TRAVELERS IND CO OF AMER

25682 TRAVELERS IND CO OF CT

41262 TRAVELERS LLOYDS INS CO

41564 TRAVELERS LLOYDS OF TX INS CO

38130 TRAVELERS PERSONAL INS CO

36145 TRAVELERS PERSONAL SECURITY INS CO

25674 TRAVELERS PROP CAS CO OF AMER

36161 TRAVELERS PROP CAS INS CO

25887 UNITED STATES FIDELITY & GUAR CO

TRENWICK AMER REINS CORP GRP 1314 34894 TRENWICK AMER REINS CORP

TUSCARORA GRP 3407 12199 KEYSTONE NATL INS CO

17825 TUSCARORA WAYNE INS CO

30880 WASHINGTON FIRE & STORM INS

UNION LABOR GRP 781 37893 ULLICO CAS CO

UNION MUTUAL FIRE INS GRP 195 43320 EASTERN MUT INS CO

25852 NEW ENGLAND GUAR INS CO INC

25860 UNION MUT FIRE INS CO

UNITED AMER IND GRP 920 42048 DIAMOND STATE INS CO

32859 PENN AMER INS CO

10121 PENN PATRIOT INS CO

10673 PENN STAR INS CO

13064 UNITED NATL INS CO

41335 UNITED NATL SPECIALTY INS CO

UNITED AUTOMOBILE INS GRP 1235 10203 ARGUS FIRE & CAS INS CO

35319 UNITED AUTOMOBILE INS CO

UNITED EQUITABLE GRP 167 10031 AMERICAN HEARTLAND INS CO

24910 UNITED EQUITABLE INS CO

UNITED FIRE & CAS GRP 248 10324 ADDISON INS CO

18295 LAFAYETTE INS CO

19526 TEXAS GEN IND CO

13021 UNITED FIRE & CAS CO

19496 UNITED FIRE & IND CO

43559 UNITED FIRE LLOYDS

UNITED HERITAGE MUT GRP 2878 26824 SUBLIMITY INS CO

18939 UNITED HERITAGE PROP & CAS CO

UNITED SERV AUTOMOBILE ASSN GRP 200 21253 GARRISON PROP & CAS INS CO

25941 USAA

25968 USAA CAS INS CO

10078 USAA CNTY MUT INS CO



INDEX OF COMPANIES



Company Name


By Group


UNITED SERV AUTOMOBILE ASSN GRP 200 18600 USAA GEN IND CO

11120 USAA TX LLOYDS CO

UNITRIN GRP 215 38156 ALPHA PROP & CAS INS CO

29211 CAPITOL CNTY MUT FIRE INS CO

37524 CHARTER IND CO

19852 FINANCIAL IND CO

10914 KEMPER INDEPENDENCE INS CO

31968 MERASTAR INS CO

31178 MUTUAL SAVINGS FIRE INS CO

36625 OLD RELIABLE CAS CO

19887 TRINITY UNIVERSAL INS CO

12998 UNION NATL FIRE INS CO

11142 UNITED CAS INS CO OF AMER

10881 UNITRIN ADVANTAGE INS CO

16063 UNITRIN AUTO & HOME INS CO

29351 UNITRIN CNTY MUT INS CO

10226 UNITRIN DIRECT INS CO

10915 UNITRIN DIRECT PROP & CAS CO

25909 UNITRIN PREFERRED INS CO

40703 UNITRIN SAFEGUARD INS CO

14133 VALLEY INS CO

10698 VALLEY PROP & CAS INS CO

UNIVERSAL INS CO GRP 71 11052 CARRIBEAN ALLIANCE INS CO

11827 EASTERN AMER INS CO

31704 UNIVERSAL INS CO

11986 UNIVERSAL INS CO OF NA

10759 UNIVERSAL N AMER INS CO

UNIVERSAL INS HOLDING GRP 4663 10861 UNIVERSAL PROP & CAS INS

UNIVERSAL SURETY GRP 199 23264 INLAND INS CO

25933 UNIVERSAL SURETY CO

UPMC HLTH SYSTEM GRP 1324 17990 TRI CENTURY INS CO

USIC GRP 3593 44423 UNITED SURETY & IND CO

12152 USIC OF FL INC

UTICA GRP 201 25984 GRAPHIC ARTS MUT INS CO

12475 REPUBLIC FRANKLIN INS CO

10990 UTICA LLOYDS OF TX

25976 UTICA MUT INS CO

10687 UTICA NATL ASSUR CO

43478 UTICA NATL INS CO OF TX

43451 UTICA SPECIALTY RISK INS CO



INDEX OF COMPANIES



Company Name


By Group


VAN ENT GRP 697 37060 OLD UNITED CAS CO

VERMONT MUT GRP 234 14095 GRANITE MUT INS CO

25992 NORTHERN SECURITY INS CO INC

26018 VERMONT MUT INS CO

VESTA INS GRP 958 10663 FLORIDA SELECT INS CO

VFH CAPTIVE GRP 2778 12156 CROWN CAPTIVE INS CO INC

10798 VFH CAPTIVE INS CO

VIRGINIA FARM BUREAU GRP 203 26026 VIRGINIA FARM BUREAU FIRE & CAS INS

26034 VIRGINIA FARM BUREAU MUT INS CO

10086 VIRGINIA FARM BUREAU TOWN & CNTRY

WAWANESA INS GRP 1179 10683 WAWANESA GEN INS CO

31526 WAWANESA MUT INS CO US BRANCH

WEA INC GRP 2758 14550 WEA PROP & CAS INS CO

WELLS FARGO GRP 471 42765 CENTURION CAS CO

39527 HERITAGE IND CO

39039 RURAL COMM INS CO

WEST BEND MUT GRP 1243 10857 MICHIGAN INS CO

15350 WEST BEND MUT INS CO

WESTERN MUT INS GRP 800 38490 ARIZONA HOME INS CO

15776 RESIDENCE MUT INS CO

13625 WESTERN MUT INS CO

WESTERN NATL MUT 309 40312 PIONEER SPECIALTY INS CO

26395 WESTERN HOME INS CO

24465 WESTERN NATL ASSUR CO

15377 WESTERN NATL MUT INS CO

WESTERN RESERVE 207 26123 LIGHTNING ROD MUT INS CO

10271 SONNENBERG MUT INS ASSOC

26131 WESTERN RESERVE MUT CAS CO

WESTERN SERV CONTRACT GRP 2898 37850 PACIFIC SPECIALTY INS CO

11168 PACIFIC SPECIALTY PROP & CAS CO

WESTERN WORLD GRP 866 40436 STRATFORD INS CO

37982 TUDOR INS CO

13196 WESTERN WORLD INS CO

WESTFIELD GRP 228 19992 AMERICAN SELECT INS CO

24104 OHIO FARMERS INS CO

17558 OLD GUARD INS CO

24112 WESTFIELD INS CO



INDEX OF COMPANIES



Company Name


By Group


WESTFIELD GRP 228 24120 WESTFIELD NATL INS CO

WHITE MOUNTAINS GRP 1129 27154 ATLANTIC SPECIALTY INS CO

34460 AUTOONE INS CO

34479 AUTOONE SELECT INS CO

21946 CAMDEN FIRE INS ASSOC

20648 EMPLOYERS FIRE INS CO

37915 ESSENTIA INS CO

25712 ESURANCE INS CO

21741 ESURANCE INS CO OF NJ

30210 ESURANCE PROP & CAS INS CO

34452 HOMELAND INS CO OF NY

38849 HOUSTON GEN INS CO

11988 HOUSTON GEN INS EXCH

40320 MASSACHUSETTS HOMELAND INS CO

38369 NORTHERN ASSUR CO OF AMER

20621 ONEBEACON AMER INS CO

21970 ONEBEACON INS CO

39489 ONEBEACON LLOYD'S OF TX

42650 ONEBEACON MIDWEST INS CO

21962 PENNSYLVANIA GEN INS CO

10238 POTOMAC INS CO

38857 TRADERS & GEN INS CO

38776 WHITE MOUNTAINS REINS CO OF AMER

31267 YORK INS CO OF ME

WISCONSIN CNTY MUT GRP 3138 11250 COMMUNITY INS CORP

26956 WISCONSIN CNTY MUT INS CORP

WISCONSIN RE GRP 490 44725 1ST AUTO & CAS INS CO

WL DUNN GRP 4233 20320 COLUMBIA LLOYDS INS CO

12810 MDOW INS CO

WORKERS COMP OF UTAH GRP 1147 10033 WORKERS COMP FUND

WORKMENS GRP 273 13250 WORKMENS AUTO INS CO

WR BERKLEY CORP GRP 98 31325 ACADIA INS CO

44318 ADMIRAL IND CO

24856 ADMIRAL INS CO

15911 AMERICAN MINING INS CO INC

32603 BERKLEY INS CO

29580 BERKLEY REGIONAL INS CO

31295 BERKLEY REGIONAL SPECIALTY INS CO

10510 CAROLINA CAS INS CO

33480 CLERMONT INS CO

10804 CONTINENTAL WESTERN INS CO



INDEX OF COMPANIES



Company Name


By Group


WR BERKLEY CORP GRP 98 21784 FIREMENS INS CO OF WASHINGTON DC

10833 GEMINI INS CO

25224 GREAT DIVIDE INS CO

10885 KEY RISK INS CO

23612 MIDWEST EMPLOYERS CAS CO

17370 NAUTILUS INS CO

10900 PREFERRED EMPLOYERS INS CO

36684 RIVERPORT INS CO

40045 STARNET INS CO

31003 TRI STATE INS CO OF MN

25844 UNION INS CO

43435 UNION STANDARD LLOYDS

XL AMER GRP 1285 22322 GREENWICH INS CO

36940 INDIAN HARBOR INS CO

24554 XL INS AMER INC

20583 XL REINS AMER INC

19607 XL SELECT

37885 XL SPECIALTY INS CO

ZALE CORP GRP 669 30325 ZALE IND CO

ZENITH NATL INS GRP 336 13269 ZENITH INS CO

30120 ZNAT INS CO

ZURICH INS GRP 212 43699 AMERICAN FEDERATION INS CO

26247 AMERICAN GUAR & LIAB INS

40142 AMERICAN ZURICH INS CO

19305 ASSURANCE CO OF AMER

11034 BRISTOL W CAS INS CO

19658 BRISTOL W INS CO

12774 BRISTOL W PREFERRED INS CO

34649 CENTRE INS CO

10315 CIVIC PROP & CAS CO

25089 COAST NATL INS CO

34347 COLONIAL AMER CAS & SURETY CO

21326 EMPIRE FIRE & MARINE INS CO

21334 EMPIRE IND INS CO

10318 EXACT PROP & CAS CO INC

21628 FARMERS INS CO INC

21598 FARMERS INS CO OF AZ

21601 FARMERS INS CO OF ID

21636 FARMERS INS CO OF OR

21644 FARMERS INS CO OF WA

21652 FARMERS INS EXCH

36889 FARMERS INS OF COLUMBUS INC



INDEX OF COMPANIES



Company Name


By Group


ZURICH INS GRP 212 10806 FARMERS NEW CENTURY INS CO

24392 FARMERS TX CNTY MUT INS CO

39306 FIDELITY & DEPOSIT CO OF MD

21660 FIRE INS EXCH

29254 FOREMOST CNTY MUT INS CO

11185 FOREMOST INS CO GRAND RAPIDS MI

41688 FOREMOST LLOYDS OF TX

11800 FOREMOST PROP & CAS INS CO

41513 FOREMOST SIGNATURE INS CO

21679 ILLINOIS FARMERS INS CO

19356 MARYLAND CAS CO

19348 MARYLAND INS CO

21687 MID CENTURY INS CO

28673 MID CENTURY INS CO OF TX

10317 NEIGHBORHOOD SPIRIT PROP & CAS CO

19372 NORTHERN INS CO OF NY

33120 SECURITY NATL INS CO

26387 STEADFAST INS CO

21695 TEXAS FARMERS INS CO

21709 TRUCK INS EXCH

41181 UNIVERSAL UNDERWRITERS INS CO

40843 UNIVERSAL UNDERWRITERS OF TX INS

24317 ZC SPECIALTY INS CO

16535 ZURICH AMER INS CO

27855 ZURICH AMER INS CO OF IL



INDEX OF COMPANIES


Company Name

Companies Not Affiliated With a Group


10750 1ST CHOICE AUTO INS CO

13013 ABBA IND CO

22896 ACA FIN GUAR CORP

42544 ACADEMIC HLTH PROFESSIONALS INS

12934 ACADEMIC MEDICAL PROFESSIONALS INS E

12557 ACBG RRG INC

10807 ACCC INS CO

37958 ACCEPTANCE INS CO

11711 ACCESS INS CO

11573 ACCIDENT INS CO INC

26379 ACCREDITED SURETY & CAS CO INC

22950 ACSTAR INS CO

14184 ACUITY A MUT INS CO

12583 ADIRONDACK INS EXCH

39381 ADRIATIC INS CO

12166 ADVANCED PHYSICIANS INS RRG INC

40517 ADVANTAGE WORKERS COMP INS CO

11989 ADVOCATE MD INS OF THE SW INC

12252 AEGIS HLTHCARE RRG INC

24619 AEQUICAP INS CO

16748 AFFINITY MUT INS CO

35173 AGENCY INS CO OF MD INC

10389 AGENT ALLIANCE INS CO

18236 AGENTS MUT INS CO

13606 AGGREGATE SECURITY INS GRP A RRG

42757 AGRI GEN INS CO

28380 AGRI INS EXCH RRG

10541 AGRINATIONAL INS CO

11545 AIMCO MUT INS CO

17710 ALABAMA MUNICIPAL INS CORP

13190 ALAMANCE FARMERS MUT INS CO

38733 ALASKA NATL INS CO

38687 ALASKA TIMBER INS EXCH

24899 ALEA NORTH AMERICA INS CO

30970 ALLEGANY CO-OP INS CO

13285 ALLEGHENY CAS CO

34541 ALLEGHENY SURETY CO

11965 ALLEGIANT INS CO INC A RRG

32743 ALLIANCE MUT INS CO

15334 ALLIANCE NATL INS CO

10023 ALLIANCE OF NONPROFITS FOR INS RRG

10920 ALLIANCE UNITED INS CO

11710 ALLIED PROFESSIONALS INS CO RRG

12013 ALLIED SERV RRG



INDEX OF COMPANIES


Company Name



13293 AMALGAMATED CAS INS CO

10730 AMERICAN ACCESS CAS CO

10103 AMERICAN AGRICULTURAL INS CO

10232 AMERICAN ASSOC OF OTHODONTISTS RRG

12631 AMERICAN BUILDERS INS CO RRG INC

12968 AMERICAN COASTAL INS CO

11586 AMERICAN EAGLE INS CO RRG

29734 AMERICAN EQUABLE INC

10903 AMERICAN EXCESS INS EXCH RRG

44202 AMERICAN FEED INDUSTRY INS CO RRG

13323 AMERICAN FELLOWSHIP MUT INS CO

11590 AMERICAN FOREST CAS CO RRG

10864 AMERICAN FREEDOM INS CO

40398 AMERICAN FUJI FIRE & MARINE INS CO

12841 AMERICAN INTEGRITY INS CO OF FL

40088 AMERICAN INTER FIDELITY EXCH RRG

12200 AMERICAN LIBERTY INS CO

26140 AMERICAN MILLENNIUM INS CO

12190 AMERICAN PET INS CO

32557 AMERICAN PHYSICIANS INS CO

41300 AMERICAN RESOURCES INS CO INC

12898 AMERICAN RISK INS CO INC

13366 AMERICAN STEAMSHIP OWNERS MUT PROT

40800 AMERICAN STERLING INS CO

31380 AMERICAN SURETY CO

11534 AMERICAN T & T INS CO RRG

16616 AMERICAN TRANSIT INS CO

25828 AMERICAN UNION INS CO

27898 AMERICAS INS CO

12171 AMERIGUARD RRG INC

27928 AMEX ASSUR CO

18104 ANTHRACITE MUT FIRE INS CO

10308 ANTILLES INS CO

27197 APOLLO MUT FIRE INS CO

11598 APPLIED MEDICO LEGAL SOLUTIONS RRG

11716 ARA CAS INS CO

34738 ARAG INS CO

44148 ARCHITECTS & ENGINEERS INS CO RRG

13177 ARCOA RRG INC

16926 ARECA INS EXCH

13580 ARISE BOILER INSPECTION & INS CO RRG

11805 ARIZONA AUTOMOBILE INS CO

13038 ARK ROYAL INS CO

13565 ARKANSAS MUT INS CO



INDEX OF COMPANIES


Company Name



41459 ARMED FORCES INS EXCH

10632 ARMOR ASSUR CO

13374 ARROW MUT LIAB INS CO

13683 ASCENDANT COMMERCIAL INS INC

16845 ASHLAND MUT FIRE INS CO OF PA

10899 ASOC DE SUSCRIPCION CONJUNTA DEL SEG

10717 ASPEN SPECIALTY INS CO

12224 ASSET PROTECTION PROGRAM RRG INC

37370 ASSOCIATED LOGGERS EXCH

16489 ASSOCIATED MUT INS CO

11558 ASSURANCEAMERICA INS CO

11077 ASSURECARE RRG

41114 ATLANTIC BONDING CO

11064 ATLAS RRG INC

33677 ATTORNEYS INS MUT OF AL INC

22670 ATTORNEYS INS MUT RRG INC

10639 ATTORNEYS LIAB ASSUR SOCIETY INC RRG

32450 ATTORNEYS LIAB PROTECTION SOC RRG

13412 AUSTIN MUT INS CO

41041 AUTO CLUB S INS CO

11033 AUTOMOTIVE UNDERWRITERS INS CO A RRG

13139 AVATAR PROP & CAS INS CO

11203 AVERA PROP INS INC

29530 AXA ART INS CORP

16497 AZTEC INS CO

13420 BADGER MUT INS CO

31186 BALDWIN MUT INS CO

16039 BALTIMORE EQUITABLE SOCIETY

18538 BANCINSURE INC

10174 BAR VERMONT RRG INC

16373 BATTLE CREEK MUT INS CO

13471 BEAR RIVER MUT INS CO

37540 BEAZLEY INS CO INC

16888 BEDFORD GRANGE MUT INS CO

12933 BEDFORD PHYSICIANS RRG INC

19020 BELL UNITED INS CO

41394 BENCHMARK INS CO

12987 BENEFIT SECURITY INS CO

13600 BLACK DIAMOND INS CO INC

10949 BLOOMFIELD MUT INS CO

13010 BONDED BUILDERS INS CO RRG

12965 BONDEX INS CO

15881 BREMEN FARMERS MUT INS CO

13501 BRETHREN MUT INS CO



INDEX OF COMPANIES


Company Name



16918 BRIAR CREEK MUT INS CO

12372 BRICKSTREET MUT INS CO

32875 BRITISH AMER INS CO

10371 BROOME CO OPERATIVE INS CO

13528 BROTHERHOOD MUT INS CO

10319 BROWARD FACTORY SERV INC

16934 BUCKS CNTY CONTRIBUTIONSHIP

13060 BUILDING INDUSTRY INS ASSN INC

11697 BUSINESSFIRST INS CO

28495 BUTTE MUT INS CO

13162 CAGC INS CO

44504 CALIFORNIA HLTHCARE INS CO INC RRG

12180 CALIFORNIA MEDICAL GRP INS CO RRG

27480 CALIFORNIA MUT INS CO

43800 CALLICOON CO OPERATIVE INS CO

27200 CAMBRIA CNTY MUT INS CO

36340 CAMICO MUT INS CO

12260 CAMPMED CAS & IND CO INC MD

27332 CANONSBURG MUT FIRE INS CO

32930 CAPACITY INS CO

36617 CAPITAL ASSUR CO INC

29769 CAPITOL CAS CO

10480 CAPITOL INS CO

10908 CAPITOL PREFERRED INS CO

11825 CARE RRG INC

10520 CARE W INS CO

11544 CAREGIVERS UNITED LIAB INS CO RRG

12373 CARING COMMUNITIES RECIP RRG

10720 CAROLINA FARMERS MUT INS CO

25950 CASCO IND CO

10808 CASSATT RRG INC

13599 CASTLEPOINT FL INS CO

40134 CASTLEPOINT NATL INS CO

10537 CASUALTY CORP OF AMER

26697 CASUALTY UNDERWRITERS INS CO

11171 CBIA COMP SERV INC

10891 CEM INS CO

34568 CENTENNIAL CAS CO

34606 CENTER MUT INS CO

27219 CENTER VALLEY MUT FIRE INS CO

43826 CENTRAL CO OPERATIVE INS CO

11694 CENTRAL PA PHYSICIANS RRG INC

27340 CENTRE CNTY MUT FIRE INS CO

11976 CENTURION MEDICAL LIAB PROTECT RRG



INDEX OF COMPANIES


Company Name



10917 CENTURY CAS CO

12633 CENTURY INS CO GU LTD

13725 CENTURY MUT INS CO

26905 CENTURY NATL INS CO

12167 CHARITABLE SERV PROVIDERS RECIP RRG

11065 CHATTAHOCHEE RRG CAPTIVE INS CO

10372 CHAUTAUQUA PATRONS INS ASSOC

10642 CHEROKEE INS CO

29670 CHERRY VALLEY COOP INS CO

10499 CHRYSLER INS CO

13597 CHUNG KUO INS CO LTD

18767 CHURCH MUT INS CO

25771 CIFG ASSUR N AMER INC

12308 CIMARRON INS EXCH RRG

11839 CIRCLE STAR INS CO RRG

42242 CITATION INS CO

24830 CITIES & VILLAGES MUT INS CO

10064 CITIZENS PROP INS CORP

37028 CITIZENS UNITED RECIP EXCH

12172 CLAIM PROFESSIONALS LIAB INS CO RRG

16969 CLEARFIELD CNTY GRANGE MUT FIRE INS

18007 CLOISTER MUT CAS INS CO

10974 CLUB INS CO

18686 CO OPERATIVE INS CO

11668 COASTAL INS RRG INC

31887 COFACE N AMER INS CO

44598 COLLEGE LIAB INS CO RECIP RRG

13613 COLLEGE RRG INC

10758 COLONIAL SURETY CO

13641 COLORADO FARM BUREAU MUT INS CO

10692 COLUMBIA FEDERAL INS CO

10803 COLUMBIA NATL RRG INC

11864 COMCARE PRO INS RECIP RRG

43958 COMMERCE PROTECTIVE INS CO

10906 COMMERCIAL ALLIANCE INS CO

12566 COMMERCIAL INS ALLIANCE RECIP INS C

34169 COMMONWEALTH INS CO

31240 COMMONWEALTH MUT INS CO OF AMER

11807 COMMUNITIES OF FAITH RRG

13893 COMMUNITY BLOOD CNTR EXCH RRG

11536 COMMUNITY HLTH ALLIANCE RECIP RRG

11259 COMMUNITY HOSPITAL RRG

10025 COMMUNITY MUT INS CO

35858 COMPANION INC



INDEX OF COMPANIES


Company Name



36188 COMPSOURCE OKLAHOMA

36188 COMPSOURCE OKLAHOMA

13071 COMPTRUST AGC MUT CAPTIVE INS CO

34711 COMPUTER INS CO

16985 CONEMAUGH VALLEY MUT INS CO

15890 CONNECTICUT MEDICAL INS CO

13011 CONSOLIDATED WORKERS RRG INC

11528 CONSORTIUM RRG

11568 CONSTITUTIONAL CAS CO

10075 CONSUMER SPECIALTIES INS CO RRG

10204 CONSUMERS INS USA INC

12565 CONTINENTAL RISK INS CO

11798 CONTINUING CARE RRG INC

37206 CONTRACTORS BONDING & INS CO

11794 CONTRACTORS LIAB INS CO RRG

10341 CONTROLLED RISK INS CO OF VT RRG

11535 CONVENTUS INTER INS EXCH

16411 COOPERATIVE MUT INS CO

11860 COPIC INS CO

11956 CORAL INS CO

10783 CORNERSTONE NATL INS CO

10839 COUNTRYWIDE INS CO

30082 CPA INS CO

10164 CPA MUT INS CO OF AMER RRG

12636 CROWN CAPTIVE INS CO

11676 CRUDEN BAY RRG INC

14010 CRUSADER INS CO

24660 CUMBERLAND CAS & SURETY CO

35483 DAILY UNDERWRITERS OF AMER

29122 DE STATE GRANGE MUT FIRE INS CO

16705 DEALERS ASSUR CO

13572 DEALERS CHOICE MUT INS INC

43125 DELAWARE PROFESSIONAL INS CO RRG

15458 DELTA LLOYDS INS CO OF HOUSTON

40975 DENTISTS INS CO

10659 DIAMOND INS CO

12721 DIRECT AUTO INS CO

22635 DISCOVERY INS CO

14320 DISTRIBUTORS INS CO

12006 DISTRICTS MUT INS

13018 DOCTORS & SURGEONS NATL RRG INC

12843 DOCTORS DIRECT INS INC

33499 DORINCO REINS CO

10645 DRIVERS INS CO



INDEX OF COMPANIES


Company Name



13919 DRYDEN MUT INS CO

11842 DUBOIS MEDICAL RRG

13651 EAST TN MUT INS CO

10115 EASTERN DENTISTS INS CO RRG

11702 ECHELON PROP & CAS INS CO

12482 EDISON INS CO

11816 ELDERCARE MUT CO RRG INC

13688 ELEPHANT INS CO

10125 ELITE TRANSPORTATION RRG INC

17124 ELIZABETHTOWN INS CO

10989 ELLINGTON MUT INS CO

12003 EMERGENCY MEDICINE PROFESSIONAL ASR

12015 EMERGENCY MEDICINE RRG INC

11714 EMERGENCY PHYSICIANS INS CO RRG

21350 EMPIRE INS CO

10374 ERIE & NIAGRA INS ASSOC

10802 ETHIO AMER INS CO

11037 EVEREADY INS CO

17043 EVERETT CASH MUT INS CO

38466 EVERGREEN USA RRG INC

25917 EXECUTIVE INS CO

10118 EZ AUTO INS CO

11186 FAIRMONT FARMERS MUT INS CO

11840 FAIRWAY PHYSICIANS INS CO RRG

11698 FAITH AFFILIATED RRG INC

13757 FARM BUREAU MUT INS CO OF AR INC

30805 FARM CREDIT SYSTEM ASSN CAPTIVE INS

31259 FARMERS & MECHANICS MUT INS ASSN OF

30341 FARMERS & MERCHANTS MUT FIRE INS CO

11061 FARMERS FIRE INS CO

16446 FARMERS INS CO OF FLEMINGTON

28738 FARMERS MUT FIRE INS CO

17094 FARMERS MUT FIRE INS CO OF MARBLE

17108 FARMERS MUT FIRE INS CO OF MCCANDLES

13854 FARMERS MUT FIRE INS CO OF SALEM CN

33448 FARMERS MUT FIRE INS OF BRANCH CNTY

10323 FARMERS MUT INS CO



13889 FARMERS MUT INS CO OF NE

30651 FARMERS MUT OF TN

28436 FARMERS UNION MUT INS CO





INDEX OF COMPANIES


Company Name



10719 FARMINGTON MUT INS CO

13608 FDM PREFERRED INS CO INC

12938 FEDERAL MOTOR CARRIERS RRG INC

11118 FEDERATED RURAL ELECTRIC INS EXCH

10385 FFVA MUT INS CO

10186 FIDELITY FIRE & CAS CO

88625 FIDUCIARY INS CO OF AMER

12836 FINANCIAL ADVISORS ASSUR SELECT RRG

35009 FINANCIAL CAS & SURETY INC

43842 FINGER LAKES FIRE & CAS INS CO

13610 FIRE DISTRICTS INS CO INC

37400 FIRE DISTRICTS OF NY MUT INS CO INC

10619 FIRST AUTOMOTIVE INS RRG INC

13098 FIRST BENEFITS INS MUT INC

13587 FIRST CHICAGO INS CO

12150 FIRST FOUNDERS ASSUR CO

10676 FIRST GUARD INS CO

10149 FIRST HOME INS CO

38326 FIRST IND OF AMER INS CO

14940 FIRST JERSEY CAS INS CO INC

11801 FIRST KEYSTONE RRG INC

11278 FIRST MEDICAL INS CO RRG

43877 FIRST MUT INS CO

10972 FIRST NET INS CO

10897 FIRST PROTECTIVE INS CO

28519 FIRST SEALORD SURETY INC

38504 FIRST SURETY CORP

27626 FIRSTCOMP INS CO

12441 FLORIDA DOCTORS INS CO

10688 FLORIDA FAMILY INS CO

10699 FLORIDA HOSPITALITY MUT INS CO

34150 FLORIDA LAWYERS MUT INS CO

10132 FLORIDA PENINSULA INS CO

10941 FORESTRY MUT INS CO

12625 FORT WAYNE MEDICAL SURETY CO RRG

11600 FRANK WINSTON CRUM INS INC

10842 FRANKLIN CAS INS CO RRG

14753 FREDERICK MUT INS CO

12016 FREDERICKSBURG PROFESSIONAL RISK EXC

11831 FREEDOM ADVANTAGE INS CO

13994 FREMONT INS CO

17175 FRIENDS COVE MUT INS CO

26760 FULMONT MUT INS CO

10874 GA RESTAURANT MUT CAPTIVE INS CO



INDEX OF COMPANIES


Company Name



10039 GA TIMBER HARVESTERS MUT CAPTIVE

12361 GALEN INS CO

28924 GARDEN STATE IND CO INC

28339 GATEWAY INS CO

12000 GEISINGER INS CORP RRG

18457 GEM STATE INS CO

10163 GENERAL EASTERN SKI INS RRG INC

10364 GENESEE PATRONS COOP INS CO

10648 GENEVA INS CO

13009 GEORGIA DEALERS INS CO

14028 GEORGIA MUT INS CO

12811 GEORGIA TRANSPORTATION CAPTIVE INS C

12877 GERMAN AMER FARM MUT

17884 GERMAN MUT INS CO

14036 GERMANTOWN MUT INS CO

11948 GLOBAL HAWK INS CO RRG

10991 GLOBAL INTL INS CO INC A RRG

11092 GLOBAL LIBERTY INS CO OF NY

11304 GLOBAL SURETY & INS CO

39861 GOLDEN BEAR INS CO

11145 GOLDEN INS CO RRG

12512 GOOD SHEPHERD RECIP RRG INC

14044 GOODVILLE MUT CAS CO

37036 GOVERNMENTAL INTERINS EXCH

11581 GRACO RRG INC

22098 GRAIN DEALERS MUT INS CO

43265 GRAMERCY INS CO

16870 GRANADA INS CO

17191 GRANGE MUT FIRE INS CO

26310 GRANITE RE INC

30384 GREAT LAKES MUT INS CO

12982 GREAT PLAINS CAS INC

11941 GREEN HILLS INS CO RRG

11128 GREENVILLE CAS INS CO INC

15814 GROWERS AUTOMOBILE INS ASSOC

36650 GUARANTEE CO OF N AMER USA

11398 GUARANTEE INS CO

11696 GUARDIAN RRG INC

11970 GULF BUILDERS RRG INC

12237 GULFSTREAM PROP & CAS INS CO

12014 GUTHRIE RRG

44377 HALIFAX MUT INS CO

13707 HAMILTON INS CO LLC

17256 HANNAHSTOWN MUT INS CO



INDEX OF COMPANIES


Company Name



17337 HANOVER FIRE & CAS INS CO

20430 HARBOR INS CO

10829 HARBOR POINT REINS US INC

11101 HARTLAND MUT INS CO

14176 HASTINGS MUT INS CO

10781 HAWAII EMPLOYERS MUT INS CO

10913 HAY CREEK MUT INS CO

12236 HEALTH CARE CAS RRG INC

35904 HEALTH CARE IND INC

11832 HEALTH CARE INDUSTRY LIAB RECIP INS

11043 HEALTH CARE INS RECIP

11091 HEALTH CARE MUT CAPTIVE INS CO

12255 HEALTH FACILITIES OF CA MUT INS CO

12263 HEALTH FUTURE INS EXCH RRG

11813 HEALTH NETWORK PROVIDERS MUT INS CO

10080 HEALTH PROVIDERS INS RECIP RRG

11683 HEALTHCARE PROVIDERS INS CO RRG

11530 HEALTHCARE PROVIDERS INS EXCH

12233 HEALTHCARE UNDERWRITERS GRP MUT OH

11966 HEALTHCARE UNDERWRITERS GRP OF FL

11854 HEALTHCARE UNDERWRITERS GRP OF KY

11998 HEARTLAND HLTHCARE RECIP RRG

12468 HEARTLAND MUT INS CO

24309 HEREFORD INS CO

11097 HERITAGE WARRANTY INS RRG INC

12306 HILLCREST INS CO

10200 HISCOX INS CO INC

11950 HOME CONSTRUCTION INS CO RRG

12944 HOMEOWNERS CHOICE PROP & CAS INS CO

12536 HOMEOWNERS OF AMER INS CO

11460 HOMESTEAD INS CO

27952 HOOSIER MOTOR MUT INS CO

13163 HOSPITALITY MUT INS CO

30317 HOSPITALS INS CO INC

28550 HOUSING & REDEVELOPMENT INS EXCH

10048 HYUNDAI MARINE & FIRE INS CO LTD

12573 ICAT SPECIALTY INS CO

11268 ICI MUT INS CO RRG

40223 ICM INS CO

36480 IDAHO COUNTIES RISK MGMT PROGRAM

36129 IDAHO STATE INS FUND

31062 IFA INS CO

15571 ILLINOIS CAS CO A MUT CO

42927 ILLINOIS STATE BAR ASSN MUT INS CO



INDEX OF COMPANIES


Company Name



44369 IMPERIAL FIRE & CAS INS CO

12018 INDEMNITY INS CORP OF DC RRG

18468 INDEMNITY NATL INS CO

29831 INDEPENDENT MUT FIRE INS CO

12838 INDEPENDENT NV DOCTORS INS EXCH

22624 INDIANA FARMERS MUT INS CO

11692 INDIANA HLTHCARE RECIP RRG

11021 INDIANA OLD NATL INS CO

11039 INJURED WORKERS INS FUND

14281 INLAND MUT INS CO

12320 INNOVATIVE PHYSICIAN SOLUTIONS RRG

10922 INSUREMAX INS CO

10293 INTEGRA INS INC

26778 INTEGRAND ASSUR CO

14311 INTERBORO INS CO

11824 INTERMODAL INS CO RRG

34860 INTERNATIONAL CREDIT OF N AMER REINS

11592 INTERNATIONAL FIDELITY INS CO

40720 INTERSTATE AUTO INS CO INC

28126 INTERSTATE CAS INS CO

10749 INTREPID INS CO

31658 ISLAND HOME INS CO

13685 JAMES RIVER CAS CO

11589 JAMESTOWN INS CO RRG

14354 JEWELERS MUT INS CO

12594 JM WOODWORTH RRG INC

12159 JOLIET AREA RRG CAPTIVE INS CO

17329 JUNIATA MUT INS CO

34703 KANSAS MEDICAL MUT INS CO

14362 KANSAS MUT INS CO

10088 KENSINGTON INS CO

11872 KENTUCKIANA MEDICAL RECIP RRG

10320 KENTUCKY EMPLOYERS MUT INS

11939 KENTUCKY HOSPITAL INS CO RRG

29149 KENTUCKY NATL INS CO

13598 KESWICK GUARANTY INC

12966 KEY INS CO

13073 KEYSTONE MUT INS CO

13668 KINGSTONE INS CO

11803 LAKE STREET RRG INC

26077 LANCER INS CO

13014 LANCET IND RRG INC

27529 LAUNDRY OWNERS MUT LIAB INS ASSN

35246 LAURIER IND CO



INDEX OF COMPANIES


Company Name



36706 LAWYERS MUT INS CO

24520 LAWYERS MUT INS CO OF KY

37800 LEADING INS GRP INS CO LTD

11527 LEAGUE OF WI MUNICIPALITIES MUT INS

10380 LEATHERSTOCKING COOP INS CO

14370 LEBANON MUT INS CO

29955 LEGAL MUT LIAB INS SOCIETY OF MD

10708 LEMIC INS CO

11500 LENDERS PROTECTION ASSUR CO RRG

11947 LEWIS & CLARK LTC RRG INC

37940 LEXINGTON NATL INS CORP

12627 LIBERTY FIRST RRG INS CO

11958 LIFE SERV NTWRK RECIP INS RRG

13207 LIGHTHOUSE PROP INS CORP

12317 LINCOLN MUT INS CO

11075 LION INS CO

10924 LITTLE BLACK MUT INS CO

27405 LOCUST MUT FIRE INS CO

10982 LONG ISLAND INS CO

LOUISIANA CITIZENS PROPERTY INS.

14427 LOUISIANA FARM BUREAU MUT INS CO

43656 LOUISIANA MED MUT INS CO

22900 LOUISIANA PEST CONTROL INS CO

22350 LOUISIANA WORKERS COMP CORP

27596 LR INS INC

12472 LUBA CAS INS CO

15628 LUMBERMENS UNDERWRITERS

23108 LUMBERMENS UNDERWRITING ALLIANCE

28134 LUTHERAN MUT FIRE INS CO

11684 LVHN RRG

33502 MACHINERY INS INC ASSESSABLE MUT CO

10011 MADA INS EXCH

10702 MADISON INS CO

14443 MADISON MUT INS CO

30449 MADISON MUT INS CO

11054 MAIDEN REINS CO

42269 MAJESTIC INS CO

12554 MAKE TRANSPORTATION INS INC RRG

10689 MANITOWOC MUT INS CO

12824 MANUFACTURING TECHNOLOGY MUT INS CO

31780 MAPLE VALLEY MUT INS CO

11117 MARATHON FIN INS CO INC RRG

14451 MARYSVILLE MUT INS CO

36030 MAYA ASSUR CO



INDEX OF COMPANIES


Company Name



10697 MCIC VT INC RRG

11036 MCMILLAN WARNER MUT INS CO

12355 MD RRG INC

11498 MDADVANTAGE INS CO OF NJ

26257 MEDAMERICA MUT RRG INC

11861 MEDICAL ALLIANCE INS CO

12576 MEDICAL INS UNDERWRITERS RRG INC

13101 MEDICAL MALPRACTICE JOINT UNDERWRITI

36277 MEDICAL MUT INS CO OF ME

12754 MEDICUS INS CO

13589 MEDPRO RRG RRG

10124 MEDSTAR LIAB LTD INS CO INC RRG

17299 MENNONITE MUT INS CO

44237 MENTAL HLTH RRG

15768 MERCED MUT INS CO

11894 MERCHANTS PROP INS CO OF IN

27014 MFS MUT INS CO

40150 MGA INS CO INC

10209 MI AUTO INS PLACEMENT FACILITY

34029 MICHIGAN BASIC PROP INS ASSN

10998 MICHIGAN COMMERCIAL INS MUT

14508 MICHIGAN MILLERS MUT INS CO

31429 MICHIGAN PROFESSIONAL INS EXCH

11932 MID CONTINENT INS CO

35866 MID HUDSON CO OPERATIVE INS CO

26835 MIDROX INS CO

26818 MIDSTATE MUT INS CO

20451 MIDSTATES REINS CORP

13126 MIDWEST BUILDERS CAS MUT CO

23574 MIDWEST FAMILY MUT INS CO

10895 MIDWEST INS CO

11999 MIDWEST INS GRP INC RRG

16942 MIDWEST MEDICAL INS CO

12147 MIDWEST PROVIDER INS CO RRG INC

10282 MIDWESTERN EQUITY TITLE INS CO

13186 MILEMETER INS CO

14575 MILLERS CAPITAL INS CO

17450 MILLVILLE MUT INS CO

42234 MINNESOTA LAWYERS MUT INS CO

30996 MINNESOTA SURETY AND TRUST CO

14605 MISSISSIPPI FARM BUREAU MUT INS CO

11964 MISSOURI DOCTORS MUT INS CO

11582 MISSOURI PROFESSIONALS MUT

27766 MISSOURI VALLEY MUT INS CO



INDEX OF COMPANIES


Company Name



30139 MLBA MUT INS CO

15997 MMG INS CO

10191 MO EMPLOYERS MUT INS CO

17469 MONTOUR MUT INS CO

36838 MONTPELIER US INS CO

10653 MOUND PRAIRIE MUT INS CO

26735 MOUNT CARROLL MUT FIRE INS CO

11547 MOUNTAIN LAUREL RRG INC

11585 MOUNTAIN STATES HLTHCARE RECIP RRG

29440 MOUNTAIN W FARM BUREAU MUT INS CO

12779 MOUNTAINEER FREEDOM RRG INC

12418 MOWER CNTY FARMERS MUT INS CO

10831 MT MORRIS MUT INS CO

MT STATE COMPENSATION INSURANCE FUND

14656 MUNICIPAL MUT INS CO

17477 MUTUAL FIRE INS CO OF S BEND TOWNSHI

32832 MUTUAL INS CO OF AZ

17485 MUTUAL INS CO OF LEHIGH CNTY

11878 MUTUALAID EXCHANGE

29629 NAMIC INS CO INC

23663 NATIONAL AMER INS CO

11806 NATIONAL ASSISTED LIVING RRG INC

37486 NATIONAL AUTOMOTIVE INS

12235 NATIONAL BUILDERS & CONTRACTORS INS

12293 NATIONAL CONTRACTORS INS CO INC RRG

41068 NATIONAL FIRE & CAS CO

15679 NATIONAL FIRE & IND EXCH

36072 NATIONAL GUARDIAN RRG INC

10658 NATIONAL HERITAGE INS CO

23479 NATIONAL HOME WARRANTY INC

11197 NATIONAL INDEPENDENT TRUCKERS IC RRG

30155 NATIONAL INS CO OF WI INS

12529 NATIONAL MEDICAL PROFESSIONAL RRG IN

10234 NATIONAL SERV CONTRACT INS CO RRG

19119 NATIONAL UNITY INS CO

13127 NATIONS INS CO

12579 NATIONWELD RRG INC

25240 NAU COUNTRY INS CO

17493 NAZARETH MUT INS CO

12230 NEVADA DIRECT INS CO

12539 NEVADA DOCS MEDICAL RRG INC

10007 NEVADA GEN INS CO

11260 NEVADA MUT INS CO INC

10962 NEW AMER INS CO INC



INDEX OF COMPANIES


Company Name



12581 NEW JERSEY CAR RRG

11539 NEW JERSEY PHYSICIANS UNITED RECIP

13673 NEW MEXICO ASSUR CO

13674 NEW MEXICO EMPLOYERS ASSUR CO

12242 NEW MEXICO PROP & CAS CO

12532 NEW STAR RRG INC

12275 NEW YORK HLTHCARE INS CO INC RRG

20690 NEW YORK MUNICIPAL INS RECIP

34843 NEW YORK SCHOOLS INS RECIP

10762 NEW YORK TRANSPORTATION INS CORP

15110 NEWPORT BONDING & SURETY CO

10967 NEWPORT MUT INS RRG INC

10751 NHRMA MUT INS CO

13635 NIPPONKOA INS CO LTD

27073 NIPPONKOA INS CO LTD US BR

27905 NLC MUT INS CO

13012 NORMANDY HARBOR INS CO INC

16683 NORTH CAROLINA GRANGE MUT INS CO

43869 NORTH COUNTRY INS CO

38148 NORTH SEA INS CO

13059 NORTH SHORE LIJ PHYSICIANS INS CO RR

12226 NORTHEAST PHYSICIANS RRG INC

30376 NORTHERN MUT INS CO

11443 NORTHERN PLAINS INS CO

14885 NORTHWEST GF MUT INS CO

10752 NOVUS INS CO RRG

34215 NUCLEAR ELECTRIC INS LTD

13644 OASIS RECIP RRG

12845 OBSTETRICIANS & GYNECOLOGISTS RRG OF

41076 OCEAN MARINE IND INS CO

10158 OCEAN RRG INC

12189 OCEANUS INS CO A RRG

11841 OHA INS SOLUTIONS

37176 OHIO BAR LIAB INS CO

OHIO BUREAU OF WORKERS' COMPENSATION

32573 OHIO FAIR PLAN UNDERWRITING ASSOC

26565 OHIO IND CO

39411 OKLAHOMA ATTORNEYS MUT INS CO

36382 OKLAHOMA PROP & CAS INS CO

29378 OLD AMER CNTY MUT FIRE INS CO

17531 OLD ELIZABETH MUT FIRE INS CO

11579 OLD GLORY INS CO

13062 OLYMPIA RRG INC

12954 OLYMPUS INS CO



INDEX OF COMPANIES


Company Name



12961 OMEGA US INS INC

15385 ONECIS INS CO

22870 ONTARIO INS CO

10353 OOIDA RRG INC

44105 OPHTHALMIC MUT INS CO RRG

10140 OPTIMA INS CO

12183 ORANGE CNTY MEDICAL RECIP INS RRG

10171 ORDINARY MUT RRG CORP

43850 OSWEGO CNTY MUT INS CO

30350 OTSEGO CO PATRONS COOP FIRE RELIEF

14915 OTSEGO MUT FIRE INS CO

27677 PA STATE WORKERS' INSURANCE FUND

27677 PA STATE WORKERS' INSURANCE FUND

11575 PACE RRG INC

18380 PACIFIC IND INS CO

40550 PACIFIC PIONEER INS CO

13121 PALMETTO SURETY CORP

10904 PAN HANDLE FARMERS MUT INS CO OF WV

16128 PARAMOUNT INS CO

44130 PARATRANSIT RRG GRP INS CO

11835 PARIS RE AMER INS CO

13049 PARK INS CO

13439 PARTNERS MUT INS CO

22250 PATHFINDER INS CO

17582 PATRONS MUT FIRE INS CO OF IN PA

11973 PCH MUT INS CO INC RRG

11846 PEACE CHURCH RRG INC

25755 PEACHTREE CAS INS CO

11772 PEDIATRICANS INS RRG OF AMER

38474 PEGASUS INS CO

11587 PELICAN INS RRG

13003 PENINSULAR SURETY CO

13045 PENNCOMMONWEALTH CAS OF AMER CORP

14974 PENNSYLVANIA LUMBERMENS MUT INS

11968 PENNSYLVANIA PHYSICIANS RECIP INSUR

33537 PENNSYLVANIA PROFESSIONAL LIAB JUA

13125 PEOPLES TRUST INS CO

12297 PETROLEUM CAS CO

11062 PETROLEUM MARKETERS MGMT INS CO

23175 PHENIX MUT FIRE INS CO

12004 PHOEBE RECIP RRG

12995 PHP RRG LTD

12746 PHYSICIANS IND RRG

11588 PHYSICIANS INS CO



INDEX OF COMPANIES


Company Name



32999 PHYSICIANS INS CO OF OH

13194 PHYSICIANS INS MUT

10028 PHYSICIANS INS PROGRAM EXCH

12507 PHYSICIANS PROACTIVE PROTECTION INC

11704 PHYSICIANS PROFESSIONAL IND ASSN

11514 PHYSICIANS PROFESSIONAL LIAB RRG

41467 PHYSICIANS RECIP INSURERS

10934 PHYSICIANS REIMBURSEMENT RRG

13046 PHYSICIANS RRG LLC

11513 PHYSICIANS SPECIALTY LTD RRG

17335 PIEDMONT MUT INS CO

13582 PIH INS CO RECIP RRG

12348 PINE TREE INS A RECIP RRG

12198 PINELANDS INS CO RRG INC

11980 PINNACLE CONSORTIUM OF HIGHER ED RRG

11858 PINNACLE RRG INC

41190 PINNACOL ASSUR

18309 PIONEER STATE MUT INS CO

10817 PLATEAU CAS INS CO

30520 POLICYHOLDERS MUT INS CO

11809 PONCE DE LEON LTC RRG INC

11863 POSITIVE PHYSICIANS INS EXCH

37869 PRE PAID LEGAL CAS INC

10223 PREFERRED AUTO INS CO INC

12497 PREFERRED CONTRACTORS INS CO RRG LLC

15024 PREFERRED MUT INS CO

44083 PREFERRED PHYSICIANS MEDICAL RRG

36234 PREFERRED PROFESSIONAL INS CO

10800 PREMIER GRP INS CO INC

10101 PREMIER INS EXCH RRG

12613 PREMIER PHYSICIANS INS CO INC A RRG

13687 PREPARED INS CO

25704 PRIDE NATIONAL INS CO

11855 PRIMERO INS CO

13179 PROAIR RRG INC

11675 PROFESSIONAL CAS ASSN

37435 PROFESSIONAL INS EXC

12513 PROFESSIONAL LIAB INS CO OF AMER

10840 PROFESSIONAL MEDICAL INS RRG INC

12608 PROFESSIONAL QUALITY LIAB INS C

13067 PROFESSIONALS RRG INC

27278 PROTECTION MUT INS CO

11350 PUBLIC UTILITY MUT INS CO RRG

12332 PUERTO RICO MED DEFENSE MUT INS CO



INDEX OF COMPANIES


Company Name



17701 PYMATUNING MUT FIRE INS CO

11178 QUALITY CAS INS CO INC

16330 RAM MUT INS CO

38512 RAMPART INS CO

17728 REAMSTOWN MUT INS CO

33812 RECIPROCAL OF AMER

13078 RED CLAY RRG INC

12010 REGIONAL HLTH INS CO RRG

37052 REGIS INS CO

12019 REPUBLIC RRG

13131 RESPONSIVE AUTO INS CO

12209 RESTORATION RRG INC

10718 RETAILERS CAS INS CO

12471 RETAILERS MUT INS CO

34509 RIDER INS CO

12839 ROAD CONTRACTORS MUT INS CO

42706 ROCHE SURETY & CAS CO INC

27065 ROCKFORD MUT INS CO

12538 ROYAL PALM INS CO

15091 RURAL MUT INS CO

25405 SAFE AUTO INS CO

15415 SAFE INS CO

33561 SAFECARD SERV INS CO

36196 SAIF CORP

11712 SAINT LUKES HLTH SYSTEM RRG

29521 SALEM CNTY MUT FIRE INS CO

12511 SAMARITAN RRG INC

38300 SAMSUNG FIRE & MARINE INS CO LTD

43354 SAN ANTONIO IND CO

30430 SANILAC MUT INS CO

12223 SANTA FE AUTO INS CO

17736 SAUCON MUT INS CO

10368 SAUQUOIT VALLEY INS CO

13619 SAWGRASS MUTUAL INS CO

12524 SCAFFOLD INDUSTRY INS CO RRG INC

13210 SCF CAS INS CO

13043 SCF GEN INS CO

13209 SCF WESTERN INS CO

12356 SCHOOL BOARDS INS CO OF PA INC

11808 SCHUYKILL CROSSING RECIP RRG

12988 SCRUBS MUT ASSUR CO RRG

15563 SEABRIGHT INS CO

11267 SECURITY AMER RRG INC

10117 SECURITY FIRST INS CO



INDEX OF COMPANIES


Company Name



15113 SECURITY MUT INS CO

13571 SELECT PROVIDERS INS RECIP EXCH RRG

33545 SEMINOLE CAS INS CO

12005 SENTINEL ASSUR RRG INC

36560 SERVICE INS CO

37672 SEVEN SEAS INS CO INC

27650 SHAMOKIN TOWNSHIP MUT FIRE INS CO

12921 SHARED SERV INS GRP INC

15148 SHEBOYGAN FALLS INS CO

10156 SHEFFIELD INS CO

13557 SIGMA RRG INC

11078 SIMED

42056 SLAVONIC INS CO OF TX

18597 SLAVONIC MUT FIRE INS ASSOC

15261 SOCIETY INS

SOUTH CAROLINA STATE ACCIDENT FUND

10151 SOUTHERN EAGLE INS CO

10136 SOUTHERN FIDELITY INS CO INC

40762 SOUTHERN GUAR INS CO

26468 SOUTHERN MUT CHURCH INS CO

15172 SOUTHERN MUT INS CO

12247 SOUTHERN OAK INS CO

16047 SOUTHERN PIONEER PROP & CAS INS CO

15709 SOUTHERN STATES INS EXCH

12610 SOUTHERN TRUST INS CO

20800 SOUTHLAND LLOYDS INS CO

27499 SOUTHWEST GEN INS CO

12907 SOUTHWEST PHYSICIANS RRG INC

20613 SPARTA INS CO

18406 SPARTAN PROP INS CO

10754 SPIRIT MOUNTAIN INS CO RRG INC

11028 SPRING VALLEY MUT INS CO

19780 SPRINGFIELD FIRE & CAS CO

36790 SPRINGFIELD INS CO INC

11114 ST CHARLES INS CO RRG

11844 ST JOHNS INS CO INC

11688 ST LUKES HLTH NTWRK INS CO RECIP RRG

12645 STANDARD CAS CO

15199 STANDARD MUT INS CO

13621 STAR & SHIELD INS EXCH

32387 STAR CAS INS CO

38318 STARR IND & LIAB CO

13604 STARR SURPLUS LINES INS CO

35076 STATE COMPENSATION INS FUND



INDEX OF COMPANIES


Company Name



36102 STATE INS FUND

36103 STATE INS FUND DISABILITY BENEFITS

43664 STATE NATL FIRE INS CO

33049 STATE VOLUNTEER MUT INS CO

44075 STATES SELF INSURERS RRG

12878 STERLING CAS INS CO

15210 STERLING INS CO

10476 STICO MUT INS CO RRG

27685 STONE VALLEY MUT FIRE INS CO

11042 STONETRUST COMMERCIAL INS CO

10130 SU INS CO

13135 SUBURBAN HLTH ORG RRG LLC

10909 SUN SURETY INS CO

35564 SUNBELT INS CO

10838 SUNDERLAND MARINE MUT CO LTD

10860 SUNSHINE STATE INS CO

34762 SUNZ INS CO

11669 SUPERIOR INS CO RRG

10916 SURETEC INS CO

32107 SUTTER INS CO

13666 SYNCORA CAPITAL ASSUR INC

20311 SYNCORA GUAR INC

12593 SYNERGY COMP INS CO

12773 SYNERGY INS CO

12918 SYSTEM & AFFIL MEMBERS RECIP RRG

12866 T H E INS CO

10085 TANK OWNER MEMBERS INS CO

11818 TAXISURE EXCH

12858 TENNESSEE INS CO

10113 TERRA INS CO RRG

27170 TEXAS BUILDERS INS CO

32514 TEXAS HOSPITAL INS EXCH

36331 TEXAS LAWYERS INS EXCH

10393 TEXAS MEDICAL INS CO

32697 TEXAS MEDICAL LIAB INS UNDWRITING AS

22945 TEXAS MUT INS CO

10152 THE HLTHCARE UNDERWRITING CO RRG

12617 THE MEMBERS INS CO

10083 THE NATL CATHOLIC RRG INC

28240 THE SERV INS CO INC

10016 TIFT AREA CAPTIVE INS CO

11153 TITAN INS CO INC RRG

13187 TITAN PROP & CAS INS CO

10084 TITLE INDUSTRY ASSUR CO RRG



INDEX OF COMPANIES


Company Name



10009 TOWER BONDING & SURETY CO

18252 TOWN & COUNTRY MUT INS CO

37621 TOYOTA MOTOR INS CO

10211 TPA CAPTIVE INS CO INC

42749 TRADERS INS CO

34002 TRANS CITY CAS INS CO

13660 TRANSIT GENERAL INS CO

21270 TRANSIT MUT INS CORP OF WI

23060 TRI STATE CONSUMER INS CO

28535 TRIANGLE INS CO INC

40568 TRIPLE S PROPIEDAD INC

11987 TRISTATE MEDICAL INS CO RRG

44229 TRUSTSTAR INS CO

33421 TRYGG HANSA INS CO LTD US BRANCH

40126 UMIALIK INS CO

32727 UNDERWRITERS AT LLOYDS

15792 UNDERWRITERS AT LLOYDS LONDON

15075 UNION AMERICAN INS CO

28681 UNION MUT INS CO

10655 UNIQUE INS CO

11263 UNITED BUSINESS INS CO

36226 UNITED CAS & SURETY INS CO

11548 UNITED CENTRAL PA RRG

12280 UNITED CONTRACTORS INS CO INC RRG

10020 UNITED EDUCATORS INS RRG INC

16250 UNITED FRONTIER MUT INS CO

10894 UNITED GRP CAPTIVE INS CO

17647 UNITED HOME INS CO

10712 UNITED HOME INS CO A RRG

12256 UNITED INS CO

10969 UNITED PROP & CAS INS CO

32867 UNIVERSAL FIRE & CAS INS CO

15296 UPLAND MUT INS INC

29998 UPPER HUDSON NATL INS CO

12915 URGENT CARE ASSUR CO RRG INC

13017 US INS CO OF AMER

13781 US LLOYDS INS CO

12923 US RAIL INS CO A RRG

28497 USPLATE GLASS INS CO

12520 UTAH BUSINESS INS CO INC

36676 UTAH MEDICAL INS ASSOC

15326 UTICA FIRST INS CO

21172 VANLINER INS CO

11038 VASA SPRING GARDEN MUT INS CO



INDEX OF COMPANIES


Company Name



11063 VEHICULAR SERV INS CO RRG

28517 VICTORE INS CO

12900 VICTORY INS CO INC

19003 WACO FIRE & CAS INS CO

17868 WALL ROSE MUT INS CO

11802 WARREN RRG INC

10370 WASHINGTON CNTY COOP INS

17876 WASHINGTON MUT FIRE OF LAWRENCE CTY

WASHINGTON STATE FUND

43290 WAYNE COOP INS CO

16799 WAYNE MUT INS CO

22390 WELLINGTON INS CO

11682 WELLSPAN RRG

17892 WEST BRANCH MUT INS CO

11972 WEST VIRGINIA MUT INS CO

10911 WEST VIRGINIA NATL AUTO INS CO

27502 WESTERN GEN INS CO

11978 WESTERN INS RRG INC

40940 WESTERN PACIFIC MUT INS CO RRG

10935 WESTERN UNDERWRITERS INS CO

16098 WESTMINSTER AMER INS CO

12296 WHITECAP SURETY CO

10788 WILMINGTON INS CO

12541 WINDHAVEN INS CO

26166 WINDSOR MOUNT JOY MUT INS CO

13154 WINTHROP PHYSICIANS RECIP RRG

15393 WISCONSIN AMER MUT INS CO

33405 WISCONSIN HLTH CARE LIAB INS PLAN

22020 WISCONSIN LAWYERS MUT INS CO

27880 WISCONSIN MUNICIPAL MUT INS CO

27022 WISCONSIN MUT INS CO

15407 WOLVERINE MUT INS CO

31232 WORK FIRST CAS CO

34576 WORKERS COMP EXCH

WORKERS' SAFETY & COMP DIV OF WY

WORKFORCE SAFETY & INSURANCE OF ND

20273 WRM AMER IND CO INC

11003 WVA INS CO

44415 YEL CO INS

11796 YELLOWSTONE INS EXCH RRG

27090 YOUNG AMER INS CO


MS R - P B - 1 0

Formed in 1871, the National Association of Insurance

Commissioners (NAIC) is a voluntary organization of the chief

insurance regulatory officials of the 50 states, the District of

Columbia and five U.S. territories. The NAIC has three offices:

Executive Office, Washington, D.C.; Central Office, Kansas

City, Mo.; and Securities Valuation Office, New York City.

The NAIC serves the needs of consumers and the industry,

with an overriding objective of supporting state insurance reg-

ulators as they protect consumers and maintain the financial

stability of the insurance marketplace.

For more information, visit www.naic.org.

2009 Market Share Reports DIRECT PREMIUMS …2009 Market Share Reports for the Top 125...

Documents

Transcript of 2009 Market Share Reports DIRECT PREMIUMS …2009 Market Share Reports for the Top 125...