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1 Policy Year Underwriting Results Using Data Valued as of December 31, 2012 Table of Contents Introduction to Policy Year Underwriting Results Types of Data and Dataa Elements Contained in the Policy Year Underwriting Results Development Methodology Policy Year Underwritin g Results Based on Experience Valued as of December 31, 2012 Components of Expense Ratios for Policy Year 2011 NCCI S "POLICY YEAR UNDERWRITING RESULTS" IS PROVIDED "AS IS". NCCI MAKES NO REPRESENTATIONS OR WARRANT TIES OF ANY KIND RELATING TO THIS PRODUCT, INCLUDING ANY EXPRESS, STATUTORY OR IMPLIED WARRANTIES INCLUDING THE IMPLIED WARRANTY OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. ADDITIONALLY, NCCI DOES NOT ASSUME ANY RESPONSIBILITY FOR YOUR USE OF, AND FOR ANY AND ALLL RESULTS DERIVED OR OBTAINED THROUGH THE USE OF "POLICY YEAR UNDERWRITING RESULTS" ". NO EMPLOYEE OR AGENT OF NCCI OR ITS AFFILIATES ARE AUTHORIZED TO MAKE ANY WARRANTIES OF ANY KIND REGARDING "POLICY YEAR UNDERWRITING RESULTS".. ANY AND ALL RESULTS, CONCLUSIONS, ANALYSISS OR DECISIONS DEVELOPED OR DERIVED FROM, ON ACCOUNT OF, OR THROUGH YOUR USE OF "POLICY YEAR UNDERWRITING RESULTS" ARE YOURS AND NCCI DOES NOT ENDORSE, APPROVE OR OTHERWISE ACQUIESCE IN YOUR ACTIONS, RESULTS, ANALYSIS, OR DECISIONS, NOR SHALL NCCI HAVE ANY LIABILITY THERETO.
2 Introduction to Policy Year Underwriting Results Workers compensation premiums are meant to provide funds to meet two expenditures: benefit costs and operating expenses of the benefitt system. Underwriting results are a measuree of the adequacy of premium funds to cover these expenditures. NCCI expresses the underwriting result as a ratio to net premium. The ratio is the difference between unity and the sum of the loss, expense, and dividend ratios to net premium. It represents the portion of the net premiumm that is left after benefit costs and operating expenses are paid. Negative underwritin g ratios indicate that the premiumm collected was not adequate to pay benefits (losses) and expenses. By definition, underwriting results do not reflect investment income. Underwriting results can be measured on a policy year, calendar year, or calendar- Underwriting Results and Policy Year Underwriting Results. This data excludes underground coal mine, F-classification, large deductible, national defense project, and accident year basis. Financial Call data is used in Calendar-Accident Year excess business. NCCI develops the losses reported by carriers to an estimated ultimate basis. Standard earned premiums at company level are provided, although these premiums are not used in the underwriting results. NCCI produces reports for the policy year and calendar-accident year methods as described below. Policy year experience reflects policies with an effective date occurring in that year from January 1 to December 31. This type of reporting requires that all premium and loss activity, whether payment or reserve adjustment, be applied to the policy year to which the policy effective date corresponds. Thee policy year experience ( ) for the latest 19 reports is contained in Policy Year Underwriting Resultss valued as of December 31, The policy year results provide the most exact matching of premium and losses, but the latest policy year is older than the latest accident year. Calendar-accident year experience reflects premium transactions occurring in that year along with loss experience for claims with accident dates beginning January 1 and ending December 31 of that year. The mostt recent five years ( ) are contained in Calendar-Accident Year Underwriting Results valued as of December 31, Calendar-accident year provides more recent results but the premiums are not as perfectly matched to losses, since audits and retrospective rating adjustments on prior-year policies are reported in the year that they are made.
3 For Policy Year and Calendar-Accident Year Underwriting Results, in general, each state s losses are developed using a methodology consistent with the state s latest rate filing review. Because different methods are being used, an enclosed Development Methodology exhibit shows which methods are usedd to develop each state s losses. Since the underwriting resultss have not been adjusted to reflect recent rate, loss cost, trend or benefit changes, this informationn by itself does not necessarily indicate future potential results in a state. An insurer is not equired to use this information. The ultimate loss ratios are estimates that change each year as more claims are closed and reserve estimates are updated. Recommendations regarding ultimate historical losss ratios, as well as prospective loss ratios, are not made in this report. For questions related to this report, please contact Tom Sheppard at
4 Types Policy of Data and Data Elements Contained in the Year Underwriting Resultss The Policy Year Underwritin ng Results contains 388 states where NCCI collects financial data. Dataa for Arizona, Colorado, Hawaii, Idaho, Kentucky, Louisiana, Missouri, Montana, New Mexico, Oklahoma, Oregon, Rhode Island, Texas, and Utah includes the state fund. Data for the remaining states is for private carriers only. The components of Policy Year Underwriting Results are defined below: Standard Earned Company Premium (Column 1) ) From the Policy Year Call for Compensation Experience by state, standard earned company premium representss premium reported at the level off rates that the company actually charged the insured prior to the applicationn of adjustments such as retrospective rating plan adjustments, schedule rating, and premium discounts. Standard earned company premium is then developed to an ultimate level. Since the premiumm at policy inception is based on estimated payroll, a development factor reflects an adjustment to reflect the actual audited payroll. The development factors are calculated to a fifth report, with any development beyond a fifth report assumed to be negligible. Net Earned Premium (Column 2) From the Policy Year Call for Compensation Experience by state, net (direct) earned premiumm is reported at company rate level after thee application of adjustments, such as retrospective rating plan adjustments, schedule rating, and premium discounts. The net earned premium is the final amount paid by the insured. It is important to clarify thatt the net earned premiumm is direct, that is, prior to reinsurance cessions and assumptions. The net (direct) earned premium is then developed to an ultimate level to reflect the adjustment from estimated to actual audited payroll. Indemnity and Medical Losses (Columns 3 and 4) From the Policy Year Call for Compensation Experience by state, indemnity and medical losses have been separately developed to an ultimate basis using the methodology outlined in the enclosed Developmentt Methodology exhibit. The two methodologies included are paid and paid plus case:
5 Paid losses are losses that have been paid on given claims. Case reserves are estimates of the remaining amount required to settle particular claims based on the knowledge of those claims at a particular date. Case reserves, when added to the payments on open claims, doo not necessarily reflect the ultimate settlement amount since case reserves are based on knowledge at a particular point in time. The pattern by which losses ( paid or paid plus case) for a policy period mature from an early reporting to the ultimate cost is referred to as loss development. Expense Ratio (Column 7) For all policy years, expensess are derived from Statutory Page 14 data of the Annual Statement and the Insurance Expense Exhibit. Successive calendar years are weighted to obtain policy year estimates. Incurred direct defense and cost containment expense (or allocated loss adjustmentt expense), commission and brokerage expense, andd taxes are calculated by state using data derived from Statutory Page 14 dataa of the Annual Statement. Adjusting and other expenses (or unallocated losss adjustment expense) ), general expense, and other acquisition expensee are derived from the Insurancee Expense Exhibit using private carrier countrywide data and state-specif fic state fund data. The presentation of the expense ratio (for Policy Year 2011) with the five separate components is shown following the underwriting results. The five components are: Direct Defensee and Cost Containment Expenses Includes defense, litigation, and medical cost containment expenses. Adjusting and Other Expenses Reflects the remaining costs associated with the settlement of claims, such as fees of claim adjusters. Commission and Brokerage Expenses Reflects fees paid by the insurer to agents and brokers who epresent the insured inn placing orders for coverage. Taxes, Licenses, and Fees Represents the insurer s legal obligation to pay premium taxes and various miscellaneous taxess and assessments that vary by state. Taxes are generally levied as percentages s of premium, and assessments can be levied as percentages of premium or losses. General and Other Expenses Reflects costs to the insurer of running internal operations (e.g., rent, salaries), general activitiess (e.g., administration, payroll, audits, boards and bureaus funding, and inspections) and other acquisition costss (e.g., advertising and premium collection expenses). Dividend Ratio (Column 8) The dividend ratio reflects dividends as a percentage of earned premium based on
6 individual state information from Statutory Page 14 data of the Annual Statement for Calendar Years 2000 through National Association of Insurance Commissioners data is used for Calendar Years 1995 through 1999, and A.M. Best data is used for prior calendar years. The policy year dividend ratios are then estimated using successivee calendar years.
7 Development Methodolo ogy STATE Alabamaa Alaska Arizona Arkansas Colorado Connecticut District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Mississippi Missouri Montanaa Nebraska Nevada New Hampshire New Mexico North Carolina Oklahoma Oregon Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia West Virginia METHOD Weighted Average: 25% Paidd and 75% Paid + Case to a 19th Paid + Case to a 19th Paid to a 19th Paid + Case to a 19th Paid + Case to a 19th Averagee of Paid and Paid + Case to a 15th, Paid + Case 16th to 19th Paid to a 19th Paid to a 19th Paid to a 19th Paid to a 19th Paid to a 11th for private carriers, Paid to a 19th for the state fund Paid to a 19th Paid to a 19th Paid to a 19th Paid + Case to a 19th Paid + Case to a 19th Averagee of Paid and Paid + Case to a 14th Paid to a 19th Paid + Case to a 19th Averagee of Paid to a 5th and Paid + Case to a 4th
8 Development factors are based on a subset or combination of the data valued as of 12/31/2007, 12/31/ /2008, 12/31/2009, 12/ /31/2010, 12/31/2011,, and 12/31/2012. To be as consistent as possible with NCCI s filing process, each state s losses are developed using a methodology consistent with the state s latest rate review. In general, these calculations assume that a two- orr three-year average of link ratios as well as a particular 19th-to-ultimate loss development methodology is appropriate. Other assumptions may be made regarding loss development. Methodology Key For the purposes of this document, the developmen nt methodology refers to the basis of losses which are then developed to ultimate. Paid to a 19th Paid losses are used as the experience base from 1st through 19th. The paid losses are then developed to an ultimate report. Paid + Case to a 19th The sum of paid losses and case reserves is used as the experience base from 1st through 19th report. The sum of paid losses and case reservess is then developed to ultimate. Paid to an Nth and Paid + Case to 19th Paid losses are used as the experience base from 1st through Nth report. The paid losses are then developed to an ultimate report. The sum of paid lossess and case reserves iss used as the experience base from (N+1)th through 19th. The sum of paid losses and case reserves is then developed to ultimate. Please note that some states use variations of the development methods described above.
9 Alabama Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 295,720, ,140,080 45,148, ,844, ,992, (2nd Report) 321,797, ,822,837 56,983, ,935, ,918, (3rd Report) 304,737, ,247,529 46,454, ,358, ,812, (4th Report) 313,007, ,550,451 46,413, ,981, ,394, (5th Report) 343,806, ,012,547 47,361, ,225, ,587, (6th Report) 328,057, ,600,077 44,853, ,537, ,391, (7th Report) 301,753, ,266,402 40,685,655 87,797, ,483, (8th Report) 278,242, ,708,363 39,874,961 82,513, ,388, (9th Report) 248,761, ,621,885 40,467,230 82,213, ,680, (10th Report) 230,981, ,652,856 42,332,398 86,841, ,173, (11th Report) 217,046, ,353,132 46,913,298 99,708, ,621, (12th Report) 217,956, ,716,283 51,432,297 90,471, ,903, (13th Report) 219,225, ,895,358 52,509,330 93,995, ,504, (14th Report) 204,464, ,070,026 53,979,592 84,973, ,952, (15th Report) 152,640, ,032,862 37,911,647 64,827, ,738, (16th Report) 134,003, ,769,256 34,656,423 63,042,646 97,699, (17th Report) 156,469, ,624,682 29,996,161 51,746,891 81,743, (18th Report) 182,970, ,037,082 43,671,239 73,122, ,793, (19th Report) 229,321, ,994,897 53,326,534 92,861, ,188, Alaska Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 280,295, ,817,960 39,360, ,640, ,001, (2nd Report) 273,339, ,159,332 39,662, ,893, ,555, (3rd Report) 284,308, ,794,348 37,660,604 96,147, ,808, (4th Report) 298,451, ,178,789 41,623,581 95,003, ,627, (5th Report) 337,594, ,677,522 48,948, ,897, ,846, (6th Report) 347,276, ,109,679 47,435,374 95,596, ,032, (7th Report) 330,636, ,897,159 34,771,839 71,718, ,490, (8th Report) 286,770, ,891,102 45,132,066 80,073, ,205, (9th Report) 228,733, ,104,656 49,840,084 95,828, ,668, (10th Report) 195,435, ,116,062 47,868,888 79,747, ,615, (11th Report) 154,233, ,050,283 57,269,441 79,206, ,475, (12th Report) 117,917, ,754,542 47,764,949 59,794, ,559, (13th Report) 81,174,422 69,854,689 29,137,484 41,593,621 70,731, (14th Report) 92,439,562 74,810,095 28,089,332 42,930,356 71,019, (15th Report) 91,942,100 76,286,773 23,579,554 31,840,310 55,419, (16th Report) 101,754,459 86,649,513 26,585,219 31,772,147 58,357, (17th Report) 119,792, ,907,607 27,781,027 34,305,092 62,086, (18th Report) 124,829, ,677,817 27,987,604 38,578,665 66,566, (19th Report) 116,504, ,237,263 26,151,687 33,027,890 59,179,
10 Arizona Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 612,880, ,097, ,367, ,559, ,926, (2nd Report) 618,035, ,051, ,838, ,990, ,829, (3rd Report) 651,504, ,801, ,953, ,363, ,316, (4th Report) 722,811, ,622, ,340, ,145, ,485, (5th Report) 796,992, ,548, ,623, ,145, ,769, (6th Report) 764,240, ,832, ,388, ,874, ,263, (7th Report) 680,138, ,002, ,217, ,668, ,885, (8th Report) 595,079, ,068, ,532, ,779, ,312, (9th Report) 517,260, ,773, ,471, ,089, ,561, (10th Report) 453,675, ,566, ,313, ,403, ,716, (11th Report) 414,827, ,767, ,044, ,788, ,833, (12th Report) 344,249, ,366, ,854, ,929, ,784, (13th Report) 356,740, ,285, ,584, ,122, ,706, (14th Report) 406,802, ,942, ,537, ,479, ,016, (15th Report) 414,201, ,467, ,777, ,340, ,117, * * (16th Report) 471,030, ,914, ,547, ,594, ,142, * * (17th Report) 566,515, ,729, ,513, ,562, ,076, * * (18th Report) 601,249, ,162, ,738, ,316, ,054, * * (19th Report) 573,376, ,263, ,647, ,291, ,938, * * Arkansas Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 236,725, ,305,302 40,247,639 81,541, ,789, (2nd Report) 235,419, ,237,959 39,529,186 73,716, ,245, (3rd Report) 227,075, ,087,728 36,200,293 66,254, ,454, (4th Report) 262,240, ,921,483 41,261,629 66,012, ,274, (5th Report) 276,595, ,428,091 43,785,355 89,659, ,445, (6th Report) 275,074, ,737,676 39,512,955 77,449, ,962, (7th Report) 260,353, ,756,576 33,756,848 67,059, ,816, (8th Report) 243,090, ,881,724 34,740,652 60,510,762 95,251, (9th Report) 239,364, ,940,712 38,001,844 77,539, ,541, (10th Report) 210,798, ,457,571 37,072,294 59,554,815 96,627, (11th Report) 173,061, ,651,285 32,126,522 54,965,012 87,091, (12th Report) 145,094, ,365,304 29,874,134 49,766,578 79,640, (13th Report) 162,526, ,572,782 33,757,458 53,172,454 86,929, (14th Report) 175,241, ,673,491 32,619,332 53,663,668 86,283, (15th Report) 175,009, ,069,417 27,402,671 41,792,939 69,195, (16th Report) 190,726, ,640,716 28,241,348 50,017,854 78,259, (17th Report) 220,087, ,748,970 27,636,838 48,599,693 76,236, (18th Report) 264,935, ,182,742 33,909,427 50,840,988 84,750, (19th Report) 273,736, ,436,211 40,507,767 64,966, ,474, * Reflects private carrier data only
11 Colorado Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 664,260, ,611, ,346, ,066, ,413, (2nd Report) 626,642, ,568, ,622, ,733, ,355, (3rd Report) 657,004, ,735, ,305, ,748, ,053, (4th Report) 821,709, ,567, ,768, ,802, ,570, (5th Report) 956,264, ,963, ,463, ,887, ,351, (6th Report) 949,688, ,148, ,169, ,062, ,232, (7th Report) 958,026, ,363, ,926, ,598, ,525, (8th Report) 869,244, ,722, ,481, ,401, ,882, (9th Report) 865,997, ,879, ,492, ,824, ,317, (10th Report) 906,992, ,733, ,359, ,757, ,117, (11th Report) 870,383, ,431, ,298, ,787, ,085, (12th Report) 798,474, ,541, ,904, ,558, ,462, (13th Report) 689,121, ,175, ,868, ,491, ,359, (14th Report) 658,576, ,984, ,033, ,184, ,217, (15th Report) 588,711, ,924, ,177, ,148, ,326, (16th Report) 584,838, ,146, ,531, ,578, ,109, (17th Report) 645,626, ,385, ,914, ,319, ,233, (18th Report) 264,046, ,680,808 70,134,229 60,390, ,524, * * (19th Report) 253,607, ,692,149 67,650,942 64,010, ,661, * * Connecticut Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 722,500, ,754, ,162, ,657, ,819, (2nd Report) 672,050, ,429, ,683, ,251, ,935, (3rd Report) 616,785, ,288, ,493, ,540, ,033, (4th Report) 676,928, ,138, ,433, ,506, ,939, (5th Report) 708,345, ,085, ,916, ,350, ,267, (6th Report) 672,205, ,855, ,233, ,267, ,500, (7th Report) 645,885, ,950, ,294, ,762, ,057, (8th Report) 630,730, ,528, ,135, ,032, ,168, (9th Report) 579,957, ,979, ,724, ,689, ,413, (10th Report) 481,515, ,496, ,744, ,043, ,788, (11th Report) 425,818, ,888, ,441, ,398, ,840, (12th Report) 381,886, ,517, ,234, ,782, ,016, (13th Report) 343,079, ,102, ,293, ,873, ,167, (14th Report) 351,248, ,106, ,118, ,326, ,445, (15th Report) 381,497, ,410, ,313, ,168, ,481, (16th Report) 418,124, ,689, ,914, ,663, ,577, (17th Report) 413,778, ,858, ,556,379 89,465, ,021, (18th Report) 448,854, ,391, ,459,642 97,385, ,844, (19th Report) 458,566, ,121, ,710, ,073, ,783, * Reflects private carrier data only
12 District of Columbia Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 116,524, ,005,876 40,933,263 23,255,640 64,188, (2nd Report) 109,109,788 98,196,568 36,470,795 18,921,248 55,392, (3rd Report) 109,055,715 98,451,079 42,035,569 24,631,905 66,667, (4th Report) 123,996, ,717,595 39,348,237 18,844,924 58,193, (5th Report) 142,717, ,536,160 43,291,915 30,299,834 73,591, (6th Report) 137,552, ,327,652 36,726,171 18,122,692 54,848, (7th Report) 132,114, ,574,124 28,227,211 26,127,243 54,354, (8th Report) 126,374, ,146,229 25,707,855 16,137,164 41,845, (9th Report) 120,404, ,799,849 29,448,600 19,492,399 48,940, (10th Report) 113,990, ,417,290 33,843,347 23,189,480 57,032, (11th Report) 102,035,689 87,936,879 31,190,135 17,822,587 49,012, (12th Report) 89,750,730 77,977,117 34,262,627 20,927,255 55,189, (13th Report) 82,860,454 70,917,520 28,992,900 15,815,522 44,808, (14th Report) 88,078,179 71,669,865 30,671,758 16,622,276 47,294, (15th Report) 87,704,201 74,593,323 22,002,381 14,724,660 36,727, (16th Report) 85,396,924 72,722,035 21,523,203 14,368,459 35,891, (17th Report) 90,347,317 77,695,441 20,267,801 16,144,213 36,412, (18th Report) 92,685,209 82,619,284 26,613,068 14,207,094 40,820, (19th Report) 105,359,795 98,037,886 31,122,069 18,053,746 49,175, Florida Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 1,720,813,496 1,619,811, ,824, ,169,191 1,117,993, (2nd Report) 1,578,258,729 1,548,058, ,783, ,875,463 1,108,658, (3rd Report) 1,626,540,546 1,452,744, ,816, ,954,096 1,026,770, (4th Report) 2,096,955,824 1,927,997, ,295, ,136,744 1,077,432, (5th Report) 2,737,363,531 2,467,358, ,494, ,122,870 1,119,617, (6th Report) 3,383,830,204 2,940,748, ,908, ,886,314 1,138,794, (7th Report) 3,526,996,328 3,145,467, ,550, ,718,711 1,174,269, (8th Report) 3,190,056,372 2,868,716, ,948, ,674,562 1,097,622, (9th Report) 2,952,558,581 2,622,052, ,131, ,619,446 1,130,750, (10th Report) 2,672,522,586 2,380,710, ,170, ,153,792 1,244,323, (11th Report) 2,441,628,817 2,123,877, ,881, ,819,506 1,205,701, (12th Report) 2,127,160,299 1,860,033, ,564, ,045,856 1,126,609, (13th Report) 2,035,200,700 1,760,032, ,090, ,635,842 1,133,726, (14th Report) 1,714,255,366 1,481,563, ,997, ,339,823 1,014,337, (15th Report) 1,490,203,377 1,299,294, ,027, ,786, ,814, (16th Report) 1,280,825,507 1,106,653, ,038, ,674, ,712, (17th Report) 1,253,330,961 1,098,846, ,809, ,972, ,782, (18th Report) 1,184,206,822 1,031,577, ,185, ,102, ,288, (19th Report) 887,149, ,347, ,360, ,896, ,256,
13 Georgia Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 1,101,517, ,126, ,637, ,159, ,797, (2nd Report) 1,092,207, ,049, ,454, ,927, ,382, (3rd Report) 1,091,981, ,438, ,645, ,335, ,981, (4th Report) 1,150,869, ,705, ,441, ,277, ,718, (5th Report) 1,223,336,999 1,063,406, ,917, ,029, ,946, (6th Report) 1,216,212,850 1,075,537, ,049, ,958, ,008, (7th Report) 1,161,731,940 1,031,076, ,473, ,173, ,646, (8th Report) 1,046,224, ,092, ,026, ,140, ,166, (9th Report) 906,499, ,946, ,604, ,167, ,771, (10th Report) 808,267, ,539, ,022, ,873, ,895, (11th Report) 684,178, ,039, ,439, ,056, ,496, (12th Report) 645,534, ,179, ,260, ,516, ,777, (13th Report) 604,864, ,057, ,683, ,933, ,616, (14th Report) 537,636, ,266, ,402, ,202, ,605, (15th Report) 489,267, ,289, ,105, ,964, ,070, (16th Report) 475,648, ,436,814 98,753, ,447, ,200, (17th Report) 500,920, ,789, ,487, ,225, ,712, (18th Report) 514,771, ,297, ,021, ,120, ,142, (19th Report) 607,372, ,784, ,670, ,290, ,960, Hawaii Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 185,932, ,834,053 58,439,179 53,442, ,881, (2nd Report) 185,376, ,896,164 60,773,577 52,961, ,735, (3rd Report) 191,532, ,431,218 62,601,471 52,337, ,939, (4th Report) 237,771, ,302,989 61,635,142 50,260, ,895, (5th Report) 306,549, ,355,390 76,386,497 56,120, ,507, (6th Report) 333,849, ,623,570 64,395,531 49,129, ,525, (7th Report) 354,886, ,925,036 57,930,006 43,919, ,849, (8th Report) 320,005, ,801,477 56,984,306 42,863,266 99,847, (9th Report) 252,986, ,911,022 53,160,499 38,019,534 91,180, (10th Report) 155,921, ,103,083 43,626,240 27,893,734 71,519, (11th Report) 118,816, ,755,045 40,014,865 27,078,431 67,093, (12th Report) 92,332,570 85,938,576 38,067,796 24,274,507 62,342, (13th Report) 84,937,593 77,963,683 35,387,545 24,384,744 59,772, (14th Report) 60,230,230 57,163,254 25,265,681 14,921,807 40,187, (15th Report) 61,220,356 59,012,456 20,037,671 10,995,062 31,032, (16th Report) 100,357,045 78,863,671 26,431,415 18,250,097 44,681, (17th Report) 118,834,770 96,591,982 29,641,607 17,830,541 47,472, (18th Report) 155,641, ,345,958 42,624,146 27,321,247 69,945, (19th Report) 153,742, ,205,256 59,924,418 39,482,696 99,407,
14 Idaho Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 304,162, ,656,837 66,166, ,816, ,983, (2nd Report) 286,880, ,065,286 65,908, ,396, ,304, (3rd Report) 292,224, ,385,024 68,451, ,739, ,191, (4th Report) 317,180, ,484,506 75,283, ,651, ,934, (5th Report) 365,142, ,536,879 80,795, ,105, ,901, (6th Report) 369,741, ,999,500 77,140, ,112, ,253, (7th Report) 351,233, ,324,653 75,772, ,432, ,204, (8th Report) 308,414, ,566,593 72,803, ,976, ,780, (9th Report) 255,813, ,767,313 68,856, ,209, ,066, * * (10th Report) 228,608, ,599,288 66,569,746 96,871, ,441, * * (11th Report) 222,380, ,829,352 72,886,442 94,909, ,796, * * (12th Report) 195,531, ,163,509 65,246,791 85,144, ,390, (13th Report) 173,306, ,397,235 58,846,518 74,161, ,008, (14th Report) 168,307, ,546,707 49,609,585 67,944, ,554, (15th Report) 171,823, ,892,212 45,710,575 61,735, ,446, (16th Report) 195,703, ,666,915 45,150,563 53,318,764 98,469, (17th Report) 217,046, ,523,034 44,687,542 54,471,800 99,159, (18th Report) 230,303, ,719,663 51,356,587 53,241, ,597, (19th Report) 228,814, ,117,299 52,647,032 52,191, ,838, Illinois Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 2,727,528,948 2,154,671, ,242, ,858,650 1,451,101, (2nd Report) 2,827,448,178 2,142,498, ,093, ,552,787 1,652,645, (3rd Report) 2,718,949,066 2,076,962, ,602, ,195,200 1,661,797, (4th Report) 2,828,468,290 2,187,390, ,530, ,160,160 1,842,690, (5th Report) 2,934,605,894 2,348,874, ,644, ,935,619 1,887,579, (6th Report) 2,707,821,935 2,218,663, ,653, ,375,877 1,747,029, (7th Report) 2,473,881,088 2,096,177, ,053, ,457,390 1,505,510, (8th Report) 2,346,539,780 2,038,250, ,224, ,877,577 1,422,101, (9th Report) 2,128,564,218 1,835,835, ,590, ,195,702 1,327,786, (10th Report) 1,842,737,859 1,616,044, ,379, ,800,465 1,178,180, (11th Report) 1,675,352,125 1,356,737, ,203, ,450,212 1,066,653, (12th Report) 1,603,285,920 1,180,399, ,493, ,012,323 1,090,506, (13th Report) 1,375,070, ,768, ,800, ,297, ,097, (14th Report) 1,406,851, ,860, ,440, ,526, ,966, (15th Report) 1,339,180, ,269, ,745, ,052, ,798, (16th Report) 1,387,431,246 1,044,047, ,064, ,120, ,185, (17th Report) 1,488,023,482 1,154,299, ,305, ,911, ,217, (18th Report) 1,592,559,041 1,290,861, ,220, ,229, ,450, (19th Report) 1,528,639,803 1,276,614, ,114, ,761, ,875, * Reflects private carrier data only
15 Indiana Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 775,716, ,235, ,310, ,826, ,137, (2nd Report) 724,878, ,727, ,505, ,606, ,112, (3rd Report) 697,591, ,865, ,719, ,773, ,492, (4th Report) 729,604, ,550, ,323, ,738, ,061, (5th Report) 787,144, ,691, ,255, ,735, ,990, (6th Report) 786,492, ,511, ,770, ,135, ,905, (7th Report) 766,001, ,739, ,302, ,046, ,348, (8th Report) 729,811, ,107, ,334, ,264, ,599, (9th Report) 686,074, ,723, ,239, ,950, ,189, (10th Report) 635,310, ,457, ,605, ,572, ,178, (11th Report) 579,638, ,854, ,454, ,741, ,195, (12th Report) 544,278, ,548, ,076, ,263, ,339, (13th Report) 512,219, ,426, ,230, ,843, ,074, (14th Report) 503,987, ,418, ,710, ,578, ,289, (15th Report) 453,369, ,733,009 79,450, ,715, ,166, (16th Report) 474,368, ,540,781 74,877, ,341, ,218, (17th Report) 503,187, ,113,675 76,845, ,392, ,237, (18th Report) 541,321, ,370,912 82,227, ,705, ,932, (19th Report) 542,921, ,853,394 88,452, ,439, ,891, Iowa Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 644,228, ,722, ,056, ,146, ,203, (2nd Report) 583,926, ,189, ,963, ,580, ,544, (3rd Report) 542,406, ,328, ,775, ,916, ,692, (4th Report) 565,451, ,685, ,212, ,551, ,763, (5th Report) 573,990, ,286, ,704, ,068, ,773, (6th Report) 524,113, ,603, ,260, ,646, ,907, (7th Report) 483,524, ,153, ,113, ,364, ,477, (8th Report) 479,209, ,654, ,530, ,627, ,157, (9th Report) 408,456, ,685, ,949, ,600, ,549, (10th Report) 362,473, ,770, ,196, ,796, ,992, (11th Report) 307,095, ,286, ,241, ,792, ,033, (12th Report) 284,724, ,176, ,944, ,464, ,409, (13th Report) 276,590, ,917, ,123, ,931, ,054, (14th Report) 282,311, ,376, ,131, ,820, ,951, (15th Report) 266,761, ,737,749 94,813, ,885, ,698, (16th Report) 281,668, ,286,026 96,221, ,913, ,134, (17th Report) 317,618, ,047,177 86,728,260 88,879, ,608, (18th Report) 352,929, ,219,115 83,838,753 92,412, ,251, (19th Report) 368,346, ,086,802 89,149,158 89,239, ,388,
16 Kansas Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 424,136, ,773,443 92,554, ,473, ,027, (2nd Report) 403,714, ,907, ,318, ,760, ,079, (3rd Report) 404,004, ,278, ,635, ,987, ,622, (4th Report) 406,172, ,147,379 98,863, ,005, ,869, (5th Report) 416,033, ,530,757 99,014, ,751, ,765, (6th Report) 396,241, ,857,966 89,283, ,153, ,437, (7th Report) 375,702, ,768,168 83,290, ,542, ,832, (8th Report) 358,776, ,922,368 82,259, ,712, ,972, (9th Report) 323,855, ,203,679 80,273, ,399, ,673, (10th Report) 285,599, ,893,526 78,231, ,119, ,350, (11th Report) 258,729, ,326,034 76,731, ,730, ,462, (12th Report) 223,130, ,186,765 76,825, ,436, ,262, (13th Report) 197,035, ,559,427 61,470,383 83,359, ,830, (14th Report) 199,045, ,890,737 64,201,538 86,961, ,163, (15th Report) 216,660, ,824,309 58,482,521 76,386, ,868, (16th Report) 219,421, ,557,215 54,554,667 71,602, ,157, (17th Report) 252,534, ,549,128 57,098,691 75,369, ,468, (18th Report) 298,635, ,911,174 68,103,881 77,807, ,911, (19th Report) 314,792, ,781,371 71,263,762 86,945, ,209, Kentucky Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 505,182, ,389, ,746, ,783, ,530, (2nd Report) 563,356, ,326, ,577, ,188, ,765, (3rd Report) 533,598, ,473, ,759, ,729, ,489, (4th Report) 572,854, ,718, ,591, ,714, ,306, (5th Report) 625,625, ,084, ,631, ,006, ,637, (6th Report) 569,920, ,739, ,556, ,983, ,540, (7th Report) 519,248, ,117, ,341, ,101, ,442, (8th Report) 459,427, ,504,902 95,456, ,558, ,014, (9th Report) 380,925, ,595,967 88,206, ,971, ,178, (10th Report) 302,795, ,692,791 88,430, ,080, ,511, (11th Report) 283,301, ,210, ,301, ,594, ,895, (12th Report) 283,243, ,783,146 94,464, ,978, ,443, (13th Report) 266,446, ,326,810 85,752, ,616, ,369, (14th Report) 249,600, ,715,744 66,122, ,356, ,478, (15th Report) 252,811, ,820,506 48,366,769 86,958, ,325, (16th Report) 249,091, ,257,004 47,719,376 72,999, ,719, (17th Report) 257,523, ,766,096 52,062,119 75,878, ,940, (18th Report) 305,310, ,869,002 71,395, ,217, ,613, (19th Report) 348,855, ,251, ,501, ,749, ,251,
17 Louisiana Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 706,515, ,280, ,903, ,008, ,912, (2nd Report) 713,123, ,209, ,374, ,265, ,640, (3rd Report) 708,908, ,641, ,436, ,670, ,106, (4th Report) 811,203, ,918, ,089, ,340, ,429, (5th Report) 873,353, ,949, ,464, ,269, ,734, (6th Report) 806,394, ,171, ,566, ,060, ,626, (7th Report) 608,324, ,029, ,961, ,304, ,266, (8th Report) 533,303, ,294, ,691, ,072, ,763, (9th Report) 517,175, ,689, ,654, ,999, ,654, (10th Report) 503,587, ,032, ,169, ,045, ,214, (11th Report) 523,213, ,687, ,479, ,429, ,909, (12th Report) 548,996, ,225, ,362, ,765, ,128, (13th Report) 441,265, ,713, ,789, ,205, ,995, (14th Report) 445,880, ,155, ,002, ,951, ,954, (15th Report) 194,084, ,238,986 48,699,510 51,690, ,389, (16th Report) 130,362, ,195,178 23,415,405 30,803,506 54,218, (17th Report) 122,656, ,407,685 27,146,167 30,089,092 57,235, (18th Report) 112,586,957 96,442,576 21,472,498 21,312,441 42,784, (19th Report) 70,427,637 66,636,202 18,245,419 16,929,758 35,175, Maine Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 239,002, ,518,859 63,987,655 68,709, ,696, (2nd Report) 231,980, ,179,020 60,721,660 73,063, ,785, (3rd Report) 236,777, ,129,757 59,883,324 72,064, ,947, (4th Report) 258,493, ,564,067 64,105,275 76,785, ,891, (5th Report) 276,667, ,788,565 72,759,182 79,005, ,765, (6th Report) 266,809, ,367,309 55,216,989 69,238, ,455, (7th Report) 260,587, ,852,792 63,966,990 78,102, ,069, (8th Report) 247,113, ,436,506 61,327,966 69,532, ,860, (9th Report) 242,793, ,140,430 67,783,460 71,486, ,270, (10th Report) 219,585, ,088,953 66,294,364 69,388, ,683, (11th Report) 212,407, ,526,444 70,207,340 71,979, ,186, (12th Report) 198,616, ,875,959 89,218,014 76,682, ,900, (13th Report) 160,794, ,674,840 79,145,075 72,794, ,939, (14th Report) 146,673, ,737,321 59,289,498 56,834, ,124, (15th Report) 165,733, ,138,185 56,459,050 59,150, ,609, (16th Report) 182,534, ,636,465 46,101,021 52,384,904 98,485, (17th Report) 194,442, ,726,550 42,069,968 45,930,594 88,000, (18th Report) 225,395, ,818,690 45,186,980 51,785,702 96,972, (19th Report) 242,340, ,571,766 53,519,653 58,488, ,008,
18 Maryland Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 591,602, ,343, ,241, ,054, ,295, (2nd Report) 564,965, ,504, ,230, ,042, ,272, (3rd Report) 535,384, ,766, ,970, ,335, ,306, (4th Report) 606,009, ,190, ,806, ,171, ,977, (5th Report) 646,049, ,840, ,822, ,223, ,046, (6th Report) 629,080, ,446, ,749, ,406, ,155, (7th Report) 588,957, ,487, ,792, ,008, ,801, (8th Report) 534,849, ,111, ,412, ,354, ,766, (9th Report) 483,740, ,158, ,592, ,921, ,513, (10th Report) 412,551, ,166, ,882, ,479, ,362, (11th Report) 381,929, ,814, ,187, ,885, ,072, (12th Report) 362,592, ,699, ,681, ,033, ,715, (13th Report) 349,488, ,567, ,581, ,226, ,807, (14th Report) 338,591, ,144, ,847, ,804, ,651, (15th Report) 353,618, ,157, ,124, ,069, ,193, (16th Report) 356,404, ,842, ,858, ,473, ,332, (17th Report) 351,652, ,588, ,676, ,839, ,516, (18th Report) 343,823, ,039, ,284,656 88,660, ,945, (19th Report) 315,333, ,262, ,412,929 88,073, ,486, Mississippi Premium Premium Losses Losses Losses (5)/(2) Ratio Ratio ((6)+(7)+(8)) 2011 (1st Report) 274,760, ,345,064 66,623,531 94,012, ,635, (2nd Report) 285,122, ,508,896 77,500, ,976, ,477, (3rd Report) 289,058, ,729,854 65,192, ,061, ,253, (4th Report) 320,940, ,294,251 61,584,867 94,920, ,504, (5th Report) 337,169, ,300,470 59,344, ,793, ,138, (6th Report) 305,459, ,377,488 55,983,953 88,893, ,877, (7th Report) 258,360, ,527,422 46,409,034 72,229, ,638, (8th Report) 215,121, ,774,222 43,202,843 70,202, ,405, (9th Report) 192,194, ,894,759 50,818,714 77,875, ,694, (10th Report) 183,234, ,594,036 46,662,356 59,328, ,991, (11th Report) 141,631, ,769,432 44,718,203 67,282, ,001, (12th Report) 156,369, ,496,282 48,170,968 62,428, ,599, (13th Report) 165,108, ,639,419 53,813,464 68,974, ,787, (14th Report) 167,110, ,353,500 50,145,644 63,422, ,568, (15th Report) 161,074, ,430,868 35,326,917 43,081,274 78,408, (16th Report) 158,954, ,244,984 33,863,792 44,517,529 78,381, (17th Report) 148,410, ,087,859 26,509,344 42,439,993 68,949, (18th Report) 158,242, ,554,488 29,640,290 47,603,618 77,243, (19th Report) 164,838, ,470,283 32,801,822 38,597,703 71,399,
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