| Year |
Loss ratio (1) |
Expense ratio (2) |
Combined ratio |
Dividends to policyholders (3) |
Combined ratio after dividends (4) |
| 1999 |
78.5 |
27.9 |
106.4 |
1.2 |
107.6 |
| 2000 |
81.0 |
27.5 |
108.5 |
1.4 |
109.9 |
| 2001 |
88.1 |
26.6 |
114.7 |
0.8 |
115.5 |
| 2002 |
81.0 |
25.4 |
106.4 |
0.6 |
107.0 |
| 2003 |
74.7 |
24.9 |
99.6 |
0.5 |
100.1 |
| 2004 |
72.8 |
25.3 |
98.1 |
0.4 |
98.5 |
| 2005 |
74.5 |
25.7 |
100.2 |
0.5 |
100.7 |
| 2006 |
65.2 |
26.4 |
91.6 |
0.8 |
92.4 |
| 2007 |
68.0 |
27.1 |
95.1 |
0.6 |
95.7 |
| 2008 |
77.5 |
27.5 |
105.0 |
0.5 |
105.5 |
(1) Losses and loss adjustment expenses incurred as a percent of net premiums earned.
(2) Expenses incurred (before federal income taxes) as a percent of net premiums written.
(3) Dividends to policyholders as a percent of net premiums earned.
(4) Based on insurers' expense exhibit and are not strictly comparable with similar data shown elsewhere.
Source: National Association of ÐÓ°ÉÔ´´ Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.
|