W R Berkley : Supplementary Schedule P Information 2020 - Workers' Compensation

WC Notes

WORKERS COMPENSATION

Berkley Insurance Company's annual statement includes 100% of the pooled business of its U. S. insurance subsidiaries. The business is written and managed by more than 50 separate, autonomous profit centers, each with its own unique underwriting philosophy, claims handling, case reserving practices, and policy terms and conditions. Most of the profit centers specialize in specific classes of business or territories, and have varying levels of maturity in their historical data. We evaluate our reserves by line or class of business within each individual operating unit. This process provides a more accurate assessment of reserves because the data sets are homogeneous.

Schedule P, on the other hand, is an amalgamation of numerous businesses with very different loss emergence and payment patterns into a single statutory line of business. Further, changes in the relative size of our operating units over time creates distortions when using the unadjusted Schedule P data to estimate required reserves.

While it is impractical for competitive reasons to disclose the individual data sets used in our analysis, we are providing additional information for three of our largest reserve lines of business, Workers' Compensation, Other Liability - Occurrence and Reinsurance - Nonporportional Assumed Liability, which should enable a more meaningful analysis. These three lines of business are the most affected by the issue of data heterogeneity and demonstrate the sensitivity of reserve analysis to using appropriate data groupings.

Although Schedule P Part D, Workers' Compensation, typically excludes Excess Workers' Compensation, Berkley Insurance Company has a permitted pratice that allows it to report Excess Workers' Compensation data in Part D.

In order to facilitate analysis, we have provided separate Schedule P data for Excess Workers' Compensation, Restropectively Rated Workers' Compensation, and all other Workers' Compensation excluding Excess and Retro Rated business.

For retrospectively rated policies, there is an initial premium deposit collected at the policy inception and premiums are adjusted until all claims are closed. Changes in loss and loss adjustment expenses for prior years will be offset by additional or return premium. For this business, we have also included a breakout of Schedule P Part 6 which shows historical premium development.

Total WC

ANNUAL STATEMENT FOR THE YEAR 2020 OF Berkley Insurance Company for Total Segment
FOR: PD0 Workers Compensation
Premiums Earned	Loss and Loss Expense Payments
1	2	3	Loss Payments	Defense and Cost Containment Payments	Adjusting and Other Payments	10	11
4	5	6	7	8	9
Direct and Assumed	Ceded	Net (1 - 2)	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Salvage and Subrogation Received	Total Net Paid Cols (4 - 5 + 6 - 7 + 8 - 9)
PRIOR....	66,518	9,682	3,231	4,377	3,703	241	4,076	59,152
2011	916,339	141,010	775,329	501,798	95,128	43,718	5,272	41,369	2,264	9,858	484,221
2012	1,044,126	198,598	845,528	514,174	98,503	50,088	5,979	43,166	3,280	8,399	499,666
2013	1,253,550	241,509	1,012,041	546,172	131,546	55,925	9,286	43,491	3,181	11,695	501,575
2014	1,421,759	260,959	1,160,800	572,821	113,238	58,442	9,654	50,415	3,076	16,798	555,710
2015	1,542,011	269,056	1,272,955	565,085	115,474	60,568	11,098	53,882	3,089	15,630	549,874
2016	1,652,743	298,496	1,354,247	573,083	120,737	62,069	12,540	55,539	1,191	13,300	556,223
2017	1,647,888	228,869	1,419,019	543,829	100,825	59,725	10,803	62,267	6,127	7,775	548,066
2018	1,599,621	158,322	1,441,299	481,329	64,215	54,873	8,363	59,963	5,289	4,472	518,298
2019	1,518,855	91,353	1,427,502	342,566	22,423	40,658	3,979	54,810	3,140	1,662	408,492
2020	1,329,602	52,782	1,276,820	136,613	3,513	13,049	726	32,450	472	271	177,401
Totals	XXX	XXX	XXX	4,843,988	875,284	502,346	82,077	501,055	31,350	93,936	4,858,678
Losses Unpaid	Defense and Cost Containment Unpaid	23	24
Case Basis	Bulk & IBNR	Case Basis	Bulk & IBNR	Adjusting and Other Unpaid
Years in	13	14	15	16	17	18	19	20	21	22
Which Premiums Were Earned and Losses Were Incurred	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Salvage and Subrogation Anticipated	Total Net Losses and Expenses Unpaid
PRIOR....	764,110	94,180	195,593	31,044	9,735	993	6,007	243	34,748	24	2,327	883,709
2011	49,675	4,202	24,336	4,649	1,377	64	1,829	49	2,620	0	190	70,873
2012	53,126	1,205	28,354	6,514	1,511	32	2,704	80	2,794	- 0	616	80,658
2013	38,724	2,208	35,866	9,214	2,224	56	3,485	137	3,069	- 0	486	71,753
2014	50,820	6,288	51,823	11,418	3,129	225	5,370	179	3,848	- 0	1,008	96,880
2015	58,083	6,869	65,805	12,695	4,106	45	7,453	128	4,775	- 0	1,066	120,485
2016	103,166	11,075	69,424	17,357	5,334	49	10,505	75	6,697	- 0	1,463	166,570
2017	108,527	12,002	83,105	15,984	8,819	157	11,983	120	8,825	- 0	2,928	192,996
2018	150,720	15,868	94,468	12,813	14,763	460	15,919	200	11,725	- 0	3,755	258,254
2019	192,262	10,853	142,457	7,648	23,459	428	23,361	105	16,808	- 0	3,957	379,313
2020	234,526	12,583	305,779	8,386	28,001	561	39,866	- 0	31,194	- 0	4,324	617,836
Totals	1,803,739	177,333	1,097,010	137,722	102,458	3,070	128,482	1,316	127,103	24	22,120	2,939,327
Total Losses and Loss Expenses Incurred	Loss and Loss Expense Percentage (Incurred / Premiums Earned)	Nontabular Discount	34	Net Balance Sheet Reserves After Discount
26	27	28	29	30	31	32	33	35	36
Years in
Which Premiums Were Earned and Losses Were Incurred	Direct and Assumed	Ceded	Net	Direct and Assumed	Ceded	Net	Loss	Loss Expense	Inter-Company Pooling Participation Percentage	Losses Unpaid	Loss Expenses Unpaid
PRIOR....	XXX	XXX	XXX	XXX	XXX	XXX	92,144	- 0	XXX	742,335	49,230
2011	666,722	111,628	555,094	72.8%	79.2%	71.6%	7,182	- 0	57,978	5,713
2012	695,917	115,593	580,324	66.7%	58.2%	68.6%	8,120	- 0	65,641	6,897
2013	728,956	155,628	573,328	58.2%	64.4%	56.7%	3,015	- 0	60,153	8,585
2014	796,668	144,078	652,590	56.0%	55.2%	56.2%	4,172	- 0	80,765	11,943
2015	819,757	149,398	670,359	53.2%	55.5%	52.7%	4,508	- 0	99,816	16,161
2016	885,817	163,024	722,793	53.6%	54.6%	53.4%	9,526	- 0	134,632	22,412
2017	887,080	146,018	741,062	53.8%	63.8%	52.2%	5,831	- 0	157,815	29,350
2018	883,760	107,208	776,552	55.2%	67.7%	53.9%	6,362	- 0	210,145	41,747
2019	836,381	48,576	787,805	55.1%	53.2%	55.2%	7,411	- 0	308,807	63,095
2020	821,478	26,241	795,237	61.8%	49.7%	62.3%	8,290	- 0	511,046	98,500
Totals	XXX	XXX	XXX	XXX	XXX	XXX	156,561	- 0	XXX	2,429,133	353,633
ANNUAL STATEMENT FOR THE YEAR 2020 OF Berkley Insurance Company for Total Segment
FOR: PD0 Workers Compensation
PART 2
INCURRED NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END	DEVELOPMENT
1	2	3	4	5	6	7	8	9	10	11	12
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	One Year	Two Year
PRIOR....	2,254,711	2,263,691	2,263,238	2,209,396	2,177,046	2,114,461	2,080,198	2,070,977	2,053,200	2,002,809	-50,391	-68,168
2011	523,800	517,681	526,398	530,276	533,187	532,872	529,505	521,339	521,413	517,411	-4,002	-3,928
2012	XXX	537,601	542,544	547,720	546,619	550,221	549,267	546,324	542,561	541,596	-965	-4,728
2013	XXX	XXX	573,510	558,672	554,703	547,367	547,701	540,118	536,517	533,051	-3,466	-7,067
2014	XXX	XXX	XXX	658,174	652,158	637,778	625,248	620,045	609,882	605,920	-3,962	-14,125
2015	XXX	XXX	XXX	XXX	733,962	701,505	656,788	644,526	625,094	619,797	-5,297	-24,729
2016	XXX	XXX	XXX	XXX	XXX	720,117	715,520	706,218	676,425	667,792	-8,633	-38,426
2017	XXX	XXX	XXX	XXX	XXX	XXX	774,935	750,325	699,269	684,457	-14,812	-65,868
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	788,132	728,941	720,516	-8,425	-67,616
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	796,012	730,296	-65,716	XXX
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	746,505	XXX	XXX
Totals	-165,670	-294,656
PART 3
CUMULATIVE PAID NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END
1	2	3	4	5	6	7	8	9	10
Years in Which Losses Were Incurred	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	XXX	245,359	417,685	565,743	683,343	793,546	883,394	954,834	1,022,894	1,078,584
2011	93,795	223,050	294,446	346,847	380,025	405,653	419,719	428,841	438,959	445,117
2012	XXX	96,173	236,065	324,568	373,152	406,483	425,876	442,211	450,816	459,780
2013	XXX	XXX	98,411	248,145	333,457	384,900	418,389	437,441	450,455	461,264
2014	XXX	XXX	XXX	124,762	288,901	383,905	442,894	476,028	494,739	508,370
2015	XXX	XXX	XXX	XXX	114,469	291,792	388,878	445,198	480,248	499,081
2016	XXX	XXX	XXX	XXX	XXX	117,719	306,429	410,267	467,941	501,876
2017	XXX	XXX	XXX	XXX	XXX	XXX	128,831	329,033	434,164	491,927
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	143,112	356,183	463,625
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	155,796	356,822
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	145,424
PART 4
BULK AND IBNR RESERVES ON NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END
1	2	3	4	5	6	7	8	9	10
Years in Which Losses Were Incurred	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	736,475	670,177	620,134	478,392	397,941	325,779	269,680	237,429	225,783	188,334
2011	280,124	145,197	108,573	81,325	67,246	54,268	44,007	32,167	28,429	22,999
2012	XXX	280,806	172,576	93,833	70,156	61,997	48,787	39,405	32,888	25,773
2013	XXX	XXX	304,192	161,750	106,583	81,171	62,894	47,568	38,442	31,651
2014	XXX	XXX	XXX	326,548	185,605	133,945	91,585	71,268	56,410	47,989
2015	XXX	XXX	XXX	XXX	404,595	241,843	139,430	102,242	74,738	61,160
2016	XXX	XXX	XXX	XXX	XXX	367,248	201,430	144,324	87,843	65,707
2017	XXX	XXX	XXX	XXX	XXX	XXX	384,530	215,277	126,492	83,374
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	371,351	171,941	102,887
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	389,769	164,663
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	347,717
PART 5
SECTION 1
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR END
1	2	3	4	5	6	7	8	9	10
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	12,437	2,958	3,268	1,338	-1,197	170	451	453	392	390
2011	18,978	28,764	30,772	31,540	31,608	31,916	32,107	32,236	32,383	32,376
2012	XXX	19,728	30,424	32,415	32,929	33,430	33,720	33,929	34,157	34,145
2013	XXX	XXX	21,459	33,953	35,530	36,458	37,044	37,340	37,567	37,647
2014	XXX	XXX	XXX	23,573	35,166	37,589	38,616	39,195	39,487	39,606
2015	XXX	XXX	XXX	XXX	22,552	35,784	37,919	38,919	39,466	39,772
2016	XXX	XXX	XXX	XXX	XXX	23,457	35,782	38,333	39,332	39,880
2017	XXX	XXX	XXX	XXX	XXX	XXX	24,839	37,647	39,826	40,729
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	25,560	37,375	39,595
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	23,256	35,966
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	18,053
SECTION 2
Years in Which Premiums Were Earned and Losses Were Incurred	NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
1	2	3	4	5	6	7	8	9	10
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	11,642	9,087	7,912	6,883	6,119	5,409	4,722	4,204	3,928	3,546
2011	12,311	3,375	2,090	1,472	1,021	768	562	428	375	328
2012	XXX	13,215	3,847	2,216	1,457	965	687	503	391	318
2013	XXX	XXX	15,094	4,136	2,509	1,512	937	677	496	396
2014	XXX	XXX	XXX	14,703	4,424	2,474	1,500	936	661	555
2015	XXX	XXX	XXX	XXX	16,240	4,253	2,536	1,596	1,069	771
2016	XXX	XXX	XXX	XXX	XXX	15,181	4,446	2,540	1,641	1,124
2017	XXX	XXX	XXX	XXX	XXX	XXX	14,089	4,369	2,683	1,749
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	14,023	4,451	2,550
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	14,638	4,242
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	11,434
SECTION 3
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
1	2	3	4	5	6	7	8	9	10
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	30,126	27,811	29,090	27,407	-1,554	153	2,522	536	407	124
2011	43,359	46,008	46,842	47,127	46,829	46,926	46,979	47,022	47,057	47,086
2012	XXX	45,240	48,118	48,668	48,490	48,608	48,682	48,757	48,780	48,805
2013	XXX	XXX	50,089	53,386	53,460	53,608	53,694	53,766	53,804	53,842
2014	XXX	XXX	XXX	53,914	56,635	56,950	57,142	57,186	57,243	57,287
2015	XXX	XXX	XXX	XXX	54,672	57,663	58,276	58,307	58,381	58,415
2016	XXX	XXX	XXX	XXX	XXX	53,856	56,884	57,543	57,709	57,819
2017	XXX	XXX	XXX	XXX	XXX	XXX	53,973	58,060	58,518	58,718
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	53,604	56,585	56,980
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	51,211	54,780
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	40,917
PART 6
SECTION 1
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END	11
1	2	3	4	5	6	7	8	9	10	Current Year Premiums Earned
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR	-642	37,077	695	15,339	67	3,275	2,341	-284	85	-52	-52
2011	916,981	916,981	922,487	929,870	933,605	935,363	936,505	936,438	936,474	936,380	-94
2012	XXX	1,007,049	1,012,210	1,021,197	1,026,707	1,031,431	1,033,020	1,033,253	1,033,489	1,032,656	-833
2013	XXX	XXX	1,242,188	1,254,894	1,262,623	1,268,613	1,272,422	1,273,931	1,275,059	1,274,858	-201
2014	XXX	XXX	XXX	1,377,344	1,393,295	1,401,127	1,406,531	1,410,861	1,414,173	1,414,307	134
2015	XXX	XXX	XXX	XXX	1,509,020	1,524,233	1,531,371	1,539,928	1,548,963	1,551,000	2,037
2016	XXX	XXX	XXX	XXX	XXX	1,613,950	1,636,563	1,649,545	1,664,488	1,668,468	3,980
2017	XXX	XXX	XXX	XXX	XXX	XXX	1,603,851	1,632,643	1,644,144	1,646,384	2,240
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,543,572	1,564,941	1,571,099	6,158
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,457,209	1,462,595	5,386
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,310,847	1,310,847
Totals	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,329,602
Earned
Premiums
(Sch P-Pt. 1)	916,339	1,044,126	1,253,550	1,421,759	1,542,011	1,652,743	1,647,888	1,599,621	1,518,855	1,329,602	XXX
SECTION 2
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END	11
1	2	3	4	5	6	7	8	9	10	Current Year Premiums Earned
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR	0	0	0	0	0	10	-75	-158	277	0	0
2011	141,010	141,010	141,010	141,010	141,010	141,010	141,010	141,010	141,010	141,010	0
2012	XXX	198,598	198,598	198,598	198,598	198,598	198,598	198,598	198,598	198,598	0
2013	XXX	XXX	241,509	241,509	241,509	241,512	241,512	241,584	241,512	241,512	0
2014	XXX	XXX	XXX	260,959	260,959	260,964	260,973	261,082	261,015	261,015	0
2015	XXX	XXX	XXX	XXX	269,056	269,064	269,058	269,210	269,250	269,249	-1
2016	XXX	XXX	XXX	XXX	XXX	298,470	298,514	299,160	299,235	299,230	-5
2017	XXX	XXX	XXX	XXX	XXX	XXX	228,897	228,034	227,934	227,932	-2
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	158,364	158,259	158,255	-4
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	91,305	91,354	49
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	52,745	52,745
Totals	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	52,783
Earned
Premiums
(Sch P-Pt. 1)	141,010	198,598	241,509	260,959	269,056	298,496	228,869	158,322	91,353	52,782	XXX
PART 6 - NET EARNED PREMIUM
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE PREMIUMS EARNED NET AT YEAR END	11
1	2	3	4	5	6	7	8	9	10	Current Year Premiums Earned
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR	-642	37,077	695	15,339	67	3,265	2,416	-126	-192	-52	-52
2011	775,971	775,971	781,477	788,860	792,595	794,353	795,495	795,428	795,464	795,370	-94
2012	XXX	808,451	813,612	822,599	828,109	832,833	834,422	834,655	834,891	834,058	-833
2013	XXX	XXX	1,000,679	1,013,385	1,021,114	1,027,101	1,030,910	1,032,347	1,033,547	1,033,346	-201
2014	XXX	XXX	XXX	1,116,385	1,132,336	1,140,163	1,145,558	1,149,779	1,153,158	1,153,292	134
2015	XXX	XXX	XXX	XXX	1,239,964	1,255,169	1,262,313	1,270,718	1,279,713	1,281,751	2,038
2016	XXX	XXX	XXX	XXX	XXX	1,315,480	1,338,049	1,350,385	1,365,253	1,369,238	3,985
2017	XXX	XXX	XXX	XXX	XXX	XXX	1,374,955	1,404,610	1,416,211	1,418,452	2,241
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,385,208	1,406,682	1,412,844	6,162
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,365,904	1,371,241	5,337
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,258,102	1,258,102
Totals	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,276,819
Earned
Premiums
(Sch P-Pt. 1)	775,329	845,528	1,012,041	1,160,800	1,272,955	1,354,247	1,419,019	1,441,299	1,427,502	1,276,820	XXX

XS WC

ANNUAL STATEMENT FOR THE YEAR 2020 OF Berkley Insurance Company for XS WC
FOR: PD0 Workers Compensation
Premiums Earned	Loss and Loss Expense Payments
1	2	3	Loss Payments	Defense and Cost Containment Payments	Adjusting and Other Payments	10	11
4	5	6	7	8	9
Direct and Assumed	Ceded	Net (1 - 2)	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Salvage and Subrogation Received	Total Net Paid Cols (4 - 5 + 6 - 7 + 8 - 9)
PRIOR....	41,726	2,650	355	31	1,740	26	- 0	41,114
2011	124,649	11,565	113,084	26,642	5,650	134	13	3,778	50	- 0	24,842
2012	112,459	12,518	99,941	26,736	5,356	46	17	1,159	39	- 0	22,528
2013	118,333	15,565	102,768	14,868	9,389	92	25	1,093	163	- 0	6,476
2014	139,434	18,983	120,451	19,027	8,568	261	182	852	236	- 0	11,154
2015	145,562	9,647	135,915	3,344	936	26	(21)	2,840	212	- 0	5,083
2016	151,065	8,229	142,837	5,788	1,121	162	152	3,038	30	- 0	7,685
2017	167,025	10,319	156,706	15,001	1,433	224	203	3,952	213	- 0	17,327
2018	176,655	14,055	162,600	8,338	2,539	447	421	3,913	370	- 0	9,368
2019	178,683	19,107	159,575	9,606	3,209	398	391	4,948	468	- 0	10,884
2020	196,278	24,531	171,747	2,116	1,768	282	262	4,858	358	- 0	4,869
Totals	XXX	XXX	XXX	173,192	42,619	2,428	1,677	32,171	2,166	- 0	161,330
Losses Unpaid	Defense and Cost Containment Unpaid	23	24
Case Basis	Bulk & IBNR	Case Basis	Bulk & IBNR	Adjusting and Other Unpaid
Years in	13	14	15	16	17	18	19	20	21	22
Which Premiums Were Earned and Losses Were Incurred	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Salvage and Subrogation Anticipated	Total Net Losses and Expenses Unpaid
PRIOR....	558,309	24,927	119,724	7,163	1,418	155	- 0	- 0	23,170	- 0	- 0	670,377
2011	31,484	248	8,651	324	62	25	- 0	- 0	1,101	- 0	- 0	40,701
2012	33,156	144	7,382	425	31	12	- 0	- 0	924	- 0	- 0	40,912
2013	11,501	556	9,225	716	39	15	- 0	- 0	947	- 0	- 0	20,426
2014	15,175	716	12,726	759	82	68	- 0	- 0	995	- 0	- 0	27,437
2015	15,500	- 0	13,393	161	16	- 0	- 0	- 0	1,275	- 0	- 0	30,023
2016	34,630	3	15,741	181	21	8	- 0	- 0	1,707	- 0	- 0	51,906
2017	21,759	- 0	21,642	307	29	- 0	- 0	- 0	2,225	- 0	- 0	45,349
2018	25,158	2,338	26,426	266	200	153	- 0	- 0	2,692	- 0	- 0	51,719
2019	24,248	1,861	30,930	704	136	129	- 0	- 0	3,008	- 0	- 0	55,628
2020	17,388	1,850	50,944	4,767	446	333	- 0	- 0	3,218	- 0	- 0	65,046
Totals	788,309	32,642	316,786	15,774	2,480	899	- 0	- 0	41,263	- 0	- 0	1,099,524
Total Losses and Loss Expenses Incurred	Loss and Loss Expense Percentage (Incurred / Premiums Earned)	Nontabular Discount	34	Net Balance Sheet Reserves After Discount
26	27	28	29	30	31	32	33	35	36
Years in
Which Premiums Were Earned and Losses Were Incurred	Direct and Assumed	Ceded	Net	Direct and Assumed	Ceded	Net	Loss	Loss Expense	Inter-Company Pooling Participation Percentage	Losses Unpaid	Loss Expenses Unpaid
PRIOR....	XXX	XXX	XXX	XXX	XXX	XXX	91,646	- 0	XXX	554,297	24,433
2011	71,853	6,310	65,543	57.6%	54.6%	58.0%	7,177	- 0	32,386	1,138
2012	69,434	5,994	63,440	61.7%	47.9%	63.5%	8,116	- 0	31,854	942
2013	37,765	10,863	26,901	31.9%	69.8%	26.2%	2,993	- 0	16,462	971
2014	49,119	10,529	38,591	35.2%	55.5%	32.0%	4,086	- 0	22,341	1,010
2015	36,395	1,288	35,107	25.0%	13.4%	25.8%	4,399	- 0	24,334	1,291
2016	61,086	1,495	59,591	40.4%	18.2%	41.7%	9,430	- 0	40,757	1,719
2017	64,832	2,156	62,676	38.8%	20.9%	40.0%	5,821	- 0	37,274	2,255
2018	67,174	6,087	61,087	38.0%	43.3%	37.6%	6,362	- 0	42,618	2,739
2019	73,275	6,762	66,513	41.0%	35.4%	41.7%	7,411	- 0	45,203	3,015
2020	79,253	9,338	69,915	40.4%	38.1%	40.7%	8,290	- 0	53,425	3,330
Totals	XXX	XXX	XXX	XXX	XXX	XXX	155,731	- 0	XXX	900,949	42,844
ANNUAL STATEMENT FOR THE YEAR 2020 OF Berkley Insurance Company for XS WC
FOR: PD0 Workers Compensation
PART 2
INCURRED NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END	DEVELOPMENT
1	2	3	4	5	6	7	8	9	10	11	12
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	One Year	Two Year
PRIOR....	1,578,991	1,560,857	1,543,964	1,467,646	1,432,250	1,360,528	1,318,915	1,317,696	1,299,380	1,239,218	-60,162	-78,478
2011	84,302	89,049	93,078	82,876	80,733	79,053	73,401	69,302	67,249	64,376	-2,873	-4,927
2012	XXX	67,561	68,681	69,661	71,776	70,442	65,730	67,269	65,126	64,225	-901	-3,045
2013	XXX	XXX	59,577	46,991	44,291	40,613	36,537	33,139	29,803	27,882	-1,920	-5,257
2014	XXX	XXX	XXX	61,345	55,797	47,601	43,915	39,846	40,780	41,007	227	1,160
2015	XXX	XXX	XXX	XXX	65,085	53,058	46,029	40,997	35,694	35,878	184	-5,119
2016	XXX	XXX	XXX	XXX	XXX	67,700	65,028	66,349	60,015	60,771	755	-5,578
2017	XXX	XXX	XXX	XXX	XXX	XXX	70,969	74,172	64,401	65,061	659	-9,111
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	71,450	66,284	65,213	-1,071	-6,237
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	71,885	69,994	-1,892	XXX
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	76,636	XXX	XXX
Totals	-66,993	-116,591
PART 3
CUMULATIVE PAID NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END
1	2	3	4	5	6	7	8	9	10
Years in Which Losses Were Incurred	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	XXX	69,053	139,709	214,286	274,592	334,562	388,252	438,530	487,170	526,570
2011	122	1,320	2,485	9,545	12,599	15,400	16,784	17,911	20,038	21,114
2012	XXX	367	4,315	8,760	10,583	12,511	14,903	17,000	18,945	21,408
2013	XXX	XXX	49	299	1,736	2,445	2,729	3,618	4,481	5,546
2014	XXX	XXX	XXX	237	1,565	3,088	3,821	5,334	7,042	10,539
2015	XXX	XXX	XXX	XXX	1	288	961	1,613	1,850	2,455
2016	XXX	XXX	XXX	XXX	XXX	0	2,146	2,756	3,006	4,677
2017	XXX	XXX	XXX	XXX	XXX	XXX	2,972	9,294	11,727	13,588
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	2,816	4,798	5,824
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,877	6,404
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	368
PART 4
BULK AND IBNR RESERVES ON NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END
1	2	3	4	5	6	7	8	9	10
Years in Which Losses Were Incurred	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	465,587	470,273	462,340	353,178	299,048	241,443	183,405	171,014	160,203	130,394
2011	75,822	51,419	51,360	38,068	32,359	27,681	21,874	16,024	12,880	9,854
2012	XXX	59,069	54,553	29,617	26,172	21,416	14,965	15,183	10,229	8,260
2013	XXX	XXX	56,925	34,111	27,505	23,495	18,153	15,291	11,544	10,150
2014	XXX	XXX	XXX	54,590	34,546	32,006	26,257	17,098	14,138	14,323
2015	XXX	XXX	XXX	XXX	55,543	39,858	30,932	23,793	17,618	15,909
2016	XXX	XXX	XXX	XXX	XXX	56,507	40,804	35,261	21,656	18,729
2017	XXX	XXX	XXX	XXX	XXX	XXX	46,362	39,832	27,280	25,721
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	43,795	34,140	31,673
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	45,847	36,825
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	56,636
PART 5
SECTION 1
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR END
1	2	3	4	5	6	7	8	9	10
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	256	215	257	245	216	204	112	140	123	167
2011	61	111	122	136	155	165	179	183	191	194
2012	XXX	84	198	217	229	238	245	256	264	268
2013	XXX	XXX	124	272	301	320	334	340	344	350
2014	XXX	XXX	XXX	153	275	326	341	347	353	362
2015	XXX	XXX	XXX	XXX	18	36	41	47	50	51
2016	XXX	XXX	XXX	XXX	XXX	12	35	41	44	48
2017	XXX	XXX	XXX	XXX	XXX	XXX	519	682	703	708
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	483	761	773
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	632	962
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	806
SECTION 2
Years in Which Premiums Were Earned and Losses Were Incurred	NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
1	2	3	4	5	6	7	8	9	10
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	3,892	3,706	3,541	3,462	3,224	2,961	2,743	2,564	2,423	2,223
2011	123	136	135	168	152	152	120	113	111	101
2012	XXX	187	113	123	116	109	101	93	81	70
2013	XXX	XXX	208	110	109	97	83	85	83	70
2014	XXX	XXX	XXX	197	138	108	89	89	88	76
2015	XXX	XXX	XXX	XXX	55	78	80	93	79	80
2016	XXX	XXX	XXX	XXX	XXX	87	88	96	106	91
2017	XXX	XXX	XXX	XXX	XXX	XXX	193	110	116	117
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	238	129	121
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	360	152
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	567
SECTION 3
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
1	2	3	4	5	6	7	8	9	10
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	856	561	435	481	330	266	132	168	122	91
2011	216	303	356	450	502	539	553	571	586	594
2012	XXX	315	395	455	498	537	555	579	586	594
2013	XXX	XXX	393	474	535	568	589	613	625	635
2014	XXX	XXX	XXX	417	505	551	577	607	628	635
2015	XXX	XXX	XXX	XXX	98	161	202	252	274	285
2016	XXX	XXX	XXX	XXX	XXX	130	197	256	298	316
2017	XXX	XXX	XXX	XXX	XXX	XXX	912	1,058	1,119	1,156
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	938	1,171	1,220
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,228	1,438
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	2,311
PART 6
SECTION 1
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END	11
1	2	3	4	5	6	7	8	9	10	Current Year Premiums Earned
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR	0	-1,557,957	217	-6,076	-3	3	-75	-81	381	227	227
2011	222,964	123,607	124,452	124,452	124,452	124,452	124,452	124,452	124,480	124,480	-0
2012	XXX	111,896	112,211	112,155	112,275	112,275	112,273	112,273	112,284	112,284	-0
2013	XXX	XXX	116,612	117,819	117,809	117,867	117,866	117,866	117,871	117,871	-0
2014	XXX	XXX	XXX	138,944	140,169	140,270	140,453	140,450	140,452	140,452	-0
2015	XXX	XXX	XXX	XXX	145,562	145,749	145,617	145,318	145,320	145,320	-0
2016	XXX	XXX	XXX	XXX	XXX	150,719	151,872	152,282	152,266	152,266	0
2017	XXX	XXX	XXX	XXX	XXX	XXX	165,899	168,539	168,138	168,100	-38
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	174,062	175,163	175,069	-94
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	177,570	178,375	805
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	195,379	195,379
Totals	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	196,278
Earned
Premiums
(Sch P-Pt. 1)	124,649	112,459	118,333	139,434	145,562	151,065	167,025	176,655	178,683	196,278	XXX
SECTION 2
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END	11
1	2	3	4	5	6	7	8	9	10	Current Year Premiums Earned
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR	0	-1,475,089	9	-156	42	-42	-75	-123	661	-277	-277
2011	111,785	11,519	11,565	11,565	11,565	11,565	11,565	11,565	11,565	11,565	0
2012	XXX	12,503	12,521	12,518	12,524	12,524	12,524	12,524	12,524	12,524	0
2013	XXX	XXX	15,460	15,565	15,522	15,525	15,525	15,525	15,525	15,525	0
2014	XXX	XXX	XXX	18,983	19,042	19,047	19,056	19,098	19,098	19,098	0
2015	XXX	XXX	XXX	XXX	9,647	9,655	9,649	9,637	9,637	9,637	0
2016	XXX	XXX	XXX	XXX	XXX	8,213	8,257	8,273	8,272	8,272	0
2017	XXX	XXX	XXX	XXX	XXX	XXX	10,347	10,431	10,300	10,299	-1
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	14,123	14,024	14,020	-4
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	18,677	18,727	50
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	24,764	24,764
Totals	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	24,531
Earned
Premiums
(Sch P-Pt. 1)	11,565	12,518	15,565	18,983	9,647	8,229	10,319	14,055	19,107	24,531	XXX
PART 6 - NET EARNED PREMIUM
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE PREMIUMS EARNED NET AT YEAR END	11
1	2	3	4	5	6	7	8	9	10	Current Year Premiums Earned
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR	0	-82,867	208	-5,920	-44	44	0	42	-280	504	504
2011	111,178	112,088	112,887	112,887	112,887	112,887	112,887	112,887	112,915	112,915	-0
2012	XXX	99,393	99,690	99,637	99,751	99,751	99,749	99,749	99,760	99,760	-0
2013	XXX	XXX	101,153	102,254	102,286	102,341	102,341	102,341	102,346	102,346	-0
2014	XXX	XXX	XXX	119,960	121,126	121,222	121,397	121,352	121,354	121,354	-0
2015	XXX	XXX	XXX	XXX	135,915	136,094	135,968	135,681	135,683	135,683	-0
2016	XXX	XXX	XXX	XXX	XXX	142,506	143,615	144,009	143,994	143,994	0
2017	XXX	XXX	XXX	XXX	XXX	XXX	155,552	158,108	157,838	157,801	-37
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	159,939	161,139	161,049	-90
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	158,893	159,648	755
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	170,615	170,615
Totals	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	171,747
Earned
Premiums
(Sch P-Pt. 1)	113,084	99,941	102,768	120,451	135,915	142,837	156,706	162,600	159,575	171,747	XXX

RetroRatedWC

ANNUAL STATEMENT FOR THE YEAR 2020 OF Berkley Insurance Company for Retro Rated WC
FOR: PD0 Workers Compensation
Premiums Earned	Loss and Loss Expense Payments
1	2	3	Loss Payments	Defense and Cost Containment Payments	Adjusting and Other Payments	10	11
4	5	6	7	8	9
Direct and Assumed	Ceded	Net (1 - 2)	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Salvage and Subrogation Received	Total Net Paid Cols (4 - 5 + 6 - 7 + 8 - 9)
PRIOR....	1,375	- 0	964	- 0	80	- 0	- 0	2,420
2011	39,026	725	38,301	28,117	- 0	5,296	- 0	732	- 0	- 0	34,145
2012	55,358	1,698	53,660	28,196	- 0	5,488	- 0	760	- 0	- 0	34,444
2013	68,553	2,266	66,287	36,717	- 0	6,354	- 0	1,326	- 0	- 0	44,397
2014	56,193	504	55,690	33,599	42	5,879	- 0	1,514	- 0	- 0	40,951
2015	70,100	2,761	67,339	39,529	- 0	6,020	- 0	1,494	- 0	- 0	47,044
2016	76,334	796	75,537	37,468	- 0	5,510	- 0	1,586	- 0	- 0	44,564
2017	76,873	1,218	75,655	30,901	- 0	4,154	- 0	1,293	- 0	- 0	36,347
2018	110,307	2,236	108,071	28,388	- 0	3,156	- 0	1,669	- 0	- 0	33,213
2019	126,126	2,449	123,677	19,114	- 0	2,339	- 0	1,829	- 0	- 0	23,282
2020	101,256	4,027	97,230	6,982	- 0	719	- 0	359	- 0	- 0	8,060
Totals	XXX	XXX	XXX	290,386	42	45,878	- 0	12,643	- 0	- 0	348,864
Losses Unpaid	Defense and Cost Containment Unpaid	23	24
Case Basis	Bulk & IBNR	Case Basis	Bulk & IBNR	Adjusting and Other Unpaid
Years in	13	14	15	16	17	18	19	20	21	22
Which Premiums Were Earned and Losses Were Incurred	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Salvage and Subrogation Anticipated	Total Net Losses and Expenses Unpaid
PRIOR....	6,628	762	1,191	153	747	9,481
2011	1,329	363	342	113	212	2,358
2012	1,855	1,257	404	300	160	3,977
2013	3,281	2,169	497	510	319	6,777
2014	4,721	6,440	796	1,527	381	13,865
2015	4,619	10,121	925	2,392	441	18,497
2016	8,183	15,033	1,312	3,549	454	28,531
2017	9,022	14,226	1,532	3,359	452	28,591
2018	7,066	17,658	1,447	4,159	496	30,825
2019	5,141	26,416	1,236	6,237	560	39,590
2020	4,728	38,049	928	8,984	1,194	53,883
Total	56,572	- 0	132,494	- 0	10,610	- 0	31,283	- 0	5,417	- 0	- 0	236,376
BSUMES Losses and Loss Expenses Incurred	Loss and Loss Expense Percentage (Incurred / Premiums Earned)	Nontabular Discount	34	Net Balance Sheet Reserves After Discount
26	27	28	29	30	31	32	33	35	36
Years in
Which Premiums Were Earned and Losses Were Incurred	Direct and Assumed	Ceded	Net	Direct and Assumed	Ceded	Net	Loss	Loss Expense	Inter-Company Pooling Participation Percentage	Losses Unpaid	Loss Expenses Unpaid
PRIOR....	XXX	XXX	XXX	XXX	XXX	XXX	XXX	7,390	2,090
2011	36,503	- 0	36,503	93.5%	0.0%	95.3%	1,692	667
2012	38,421	- 0	38,421	69.4%	0.0%	71.6%	3,112	864
2013	51,174	- 0	51,174	74.6%	0.0%	77.2%	5,450	1,327
2014	54,858	42	54,816	97.6%	8.3%	98.4%	11,161	2,705
2015	65,541	- 0	65,541	93.5%	0.0%	97.3%	14,739	3,758
2016	73,095	- 0	73,095	95.8%	0.0%	96.8%	23,216	5,315
2017	64,939	- 0	64,939	84.5%	0.0%	85.8%	23,248	5,343
2018	64,038	- 0	64,038	58.1%	0.0%	59.3%	24,724	6,101
2019	62,872	- 0	62,872	49.8%	0.0%	50.8%	31,557	8,033
2020	61,943	- 0	61,943	61.2%	0.0%	63.7%	42,777	11,106
Total	XXX	XXX	XXX	XXX	XXX	XXX	- 0	- 0	XXX	189,066	47,310
ANNUAL STATEMENT FOR THE YEAR 2020 OF Berkley Insurance Company for Retro Rated WC
FOR: PD0 Workers Compensation
PART 2
INCURRED NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END	DEVELOPMENT
1	2	3	4	5	6	7	8	9	10	11	12
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	One Year	Two Year
PRIOR....	46,233	59,615	74,786	75,026	75,361	80,466	86,382	83,589	83,849	83,935	86	346
2011	13,142	19,233	28,409	28,558	31,513	34,546	36,501	35,482	35,674	35,559	(115)	77
2012	XXX	20,500	28,425	28,788	33,313	36,785	38,289	38,071	38,400	37,500	(900)	(571)
2013	XXX	XXX	30,823	30,266	36,633	40,974	45,109	48,878	50,212	49,529	(683)	651
2014	XXX	XXX	XXX	32,744	35,836	37,084	39,704	50,105	53,050	52,920	(129)	2,816
2015	XXX	XXX	XXX	XXX	35,279	40,747	45,660	56,124	62,794	63,606	812	7,482
2016	XXX	XXX	XXX	XXX	XXX	36,342	37,540	53,683	67,575	71,054	3,480	17,371
2017	XXX	XXX	XXX	XXX	XXX	XXX	39,693	45,696	57,939	63,193	5,254	17,497
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	46,463	53,782	61,873	8,091	15,410
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	59,471	60,483	1,012	XXX
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	60,390	XXX	XXX
BSUMESs	16,909	61,079
PART 3
CUMULATIVE PAID NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END
1	2	3	4	5	6	7	8	9	10
Years in Which Losses Were Incurred	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	15,463	26,921	36,956	47,063	57,043	64,291	69,876	72,863	75,202
2011	2,587	7,583	12,020	15,646	19,817	24,780	28,016	30,705	32,924	33,412
2012	XXX	3,944	9,173	14,670	19,452	23,535	27,992	31,013	32,434	33,684
2013	XXX	XXX	7,480	18,081	24,004	29,220	35,217	39,014	41,575	43,071
2014	XXX	XXX	XXX	8,788	18,598	24,101	29,152	33,784	37,184	39,436
2015	XXX	XXX	XXX	XXX	8,852	22,586	29,219	36,645	42,650	45,549
2016	XXX	XXX	XXX	XXX	XXX	9,094	21,182	29,772	38,265	42,978
2017	XXX	XXX	XXX	XXX	XXX	XXX	9,830	22,800	29,206	35,055
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	10,745	24,125	31,544
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	8,955	21,453
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	7,701
PART 4
BULK AND IBNR RESERVES ON NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END
1	2	3	4	5	6	7	8	9	10
Years in Which Losses Were Incurred	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	15,294	10,971	13,171	13,750	8,259	9,140	10,179	3,270	2,521	915
2011	8,587	7,913	9,294	6,279	5,762	4,660	3,787	1,624	1,072	476
2012	XXX	14,073	13,122	6,568	6,224	6,507	5,612	3,544	3,669	1,557
2013	XXX	XXX	18,514	5,120	4,619	3,308	3,418	4,590	5,280	2,680
2014	XXX	XXX	XXX	19,092	11,282	4,853	1,442	8,429	9,726	7,967
2015	XXX	XXX	XXX	XXX	19,947	10,879	4,834	9,396	13,274	12,513
2016	XXX	XXX	XXX	XXX	XXX	20,128	3,961	9,455	18,285	18,582
2017	XXX	XXX	XXX	XXX	XXX	XXX	19,886	11,793	17,886	17,585
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	28,261	22,204	21,816
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	44,555	32,653
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	47,033
PART 5
SECTION 1
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR END
1	2	3	4	5	6	7	8	9	10
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	685	213	226	249	203	185	119	111	36	63
2011	353	817	923	1,004	1,099	1,169	1,227	1,269	1,296	1,311
2012	XXX	529	1,289	1,416	1,526	1,634	1,732	1,802	1,839	1,861
2013	XXX	XXX	1,429	2,580	2,671	2,779	2,884	2,969	3,027	3,061
2014	XXX	XXX	XXX	2,083	3,187	3,246	3,341	3,455	3,522	3,546
2015	XXX	XXX	XXX	XXX	2,237	3,440	3,437	3,577	3,693	3,781
2016	XXX	XXX	XXX	XXX	XXX	2,254	3,403	3,463	3,585	3,726
2017	XXX	XXX	XXX	XXX	XXX	XXX	2,449	3,852	3,888	3,996
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	2,510	3,856	3,994
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	2,218	3,918
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,844
SECTION 2
Years in Which Premiums Were Earned and Losses Were Incurred	NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
1	2	3	4	5	6	7	8	9	10
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	1,176	1,270	1,302	1,047	785	565	447	334	319	265
2011	408	240	341	329	258	201	152	109	89	81
2012	XXX	762	370	423	376	278	190	132	105	93
2013	XXX	XXX	547	374	421	374	279	216	162	145
2014	XXX	XXX	XXX	612	365	462	411	300	233	213
2015	XXX	XXX	XXX	XXX	781	396	629	533	421	315
2016	XXX	XXX	XXX	XXX	XXX	789	556	703	609	457
2017	XXX	XXX	XXX	XXX	XXX	XXX	921	536	668	597
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	777	538	575
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,067	460
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	800
SECTION 3
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
1	2	3	4	5	6	7	8	9	10
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	760	401	411	179	86	109	57	53	30	28
2011	1,145	1,715	1,960	2,073	2,129	2,172	2,198	2,214	2,224	2,239
2012	XXX	1,790	2,376	2,611	2,726	2,782	2,809	2,842	2,853	2,867
2013	XXX	XXX	3,271	4,223	4,414	4,506	4,547	4,587	4,604	4,626
2014	XXX	XXX	XXX	5,117	5,682	5,812	5,860	5,903	5,921	5,940
2015	XXX	XXX	XXX	XXX	4,978	5,757	5,924	5,991	6,025	6,041
2016	XXX	XXX	XXX	XXX	XXX	5,189	5,806	5,952	6,007	6,033
2017	XXX	XXX	XXX	XXX	XXX	XXX	5,874	6,603	6,729	6,780
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	5,861	6,663	6,743
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	5,024	6,158
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	3,620
PART 6
SECTION 1
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END	11
1	2	3	4	5	6	7	8	9	10	Current Year Premiums Earned
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR	- 0	15,171	15,230	4,351	88	3,223	2,417	1,566	(138)	(10)	128
2011	37,216	37,884	41,876	43,329	47,279	49,033	50,185	50,105	50,114	50,058	(56)
2012	XXX	39,587	42,723	43,793	49,216	53,982	55,625	55,866	56,091	55,274	(817)
2013	XXX	XXX	45,293	45,785	52,541	58,668	62,553	64,131	65,342	65,097	(244)
2014	XXX	XXX	XXX	48,333	50,991	57,317	62,601	67,254	70,712	70,798	86
2015	XXX	XXX	XXX	XXX	51,163	53,099	59,448	68,856	78,059	80,111	2,052
2016	XXX	XXX	XXX	XXX	XXX	52,156	55,733	69,013	84,309	88,964	4,655
2017	XXX	XXX	XXX	XXX	XXX	XXX	52,580	70,346	81,181	86,431	5,250
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	61,927	69,543	76,461	6,918
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	78,390	80,403	2,013
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	81,238	81,238
Total	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	101,223
Earned
Premiums
(Sch P-Pt. 1)	39,026	55,358	68,553	56,193	70,100	76,334	76,873	110,307	126,126	101,256	XXX
SECTION 2
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END	11
1	2	3	4	5	6	7	8	9	10	Current Year Premiums Earned
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR	- 0	(0)	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
2011	603	603	603	603	603	603	603	603	603	603	- 0
2012	XXX	1,539	1,539	1,539	1,539	1,539	1,539	1,539	1,539	1,539	- 0
2013	XXX	XXX	572	572	545	545	545	545	545	545	- 0
2014	XXX	XXX	XXX	504	356	356	356	356	356	356	- 0
2015	XXX	XXX	XXX	XXX	2,936	2,936	2,936	2,936	2,936	2,936	- 0
2016	XXX	XXX	XXX	XXX	XXX	796	796	796	796	796	- 0
2017	XXX	XXX	XXX	XXX	XXX	XXX	1,218	1,218	1,218	1,218	- 0
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	2,236	2,236	2,236	- 0
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	2,449	2,449	- 0
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	3,863	3,863
Total	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	3,863
Earned
Premiums
(Sch P-Pt. 1)	725	1,698	2,266	504	2,761	796	1,218	2,236	2,449	4,027	XXX
PART 6 - NET EARNED PREMIUM
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE PREMIUMS EARNED NET AT YEAR END	11
1	2	3	4	5	6	7	8	9	10	Current Year Premiums Earned
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR	- 0	15,171	15,230	4,351	88	3,223	2,417	1,566	(138)	(10)	(10)
2011	36,613	37,281	41,273	42,726	46,677	48,430	49,582	49,502	49,511	49,455	(56)
2012	XXX	38,048	41,184	42,254	47,677	52,443	54,086	54,327	54,552	53,735	(817)
2013	XXX	XXX	44,720	45,212	51,996	58,123	62,008	63,586	64,796	64,552	(244)
2014	XXX	XXX	XXX	47,829	50,635	56,962	62,246	66,898	70,356	70,442	86
2015	XXX	XXX	XXX	XXX	48,227	50,163	56,511	65,920	75,123	77,175	2,052
2016	XXX	XXX	XXX	XXX	XXX	51,359	54,936	68,217	83,512	88,168	4,655
2017	XXX	XXX	XXX	XXX	XXX	XXX	51,362	69,128	79,963	85,213	5,250
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	59,691	67,307	74,225	6,918
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	75,941	77,954	2,013
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	77,374	77,374
Total	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	97,222
Earned
Premiums
(Sch P-Pt. 1)	38,301	53,660	66,287	55,690	67,339	75,537	75,655	108,071	123,677	97,230	XXX

Total x XSWC x RetroRatedWC

ANNUAL STATEMENT FOR THE YEAR 2020 OF Berkley Insurance Company Excluding XS WC and Retro Rated WC
FOR: PD0 Workers Compensation
Premiums Earned	Loss and Loss Expense Payments
1	2	3	Loss Payments	Defense and Cost Containment Payments	Adjusting and Other Payments	10	11	12
4	5	6	7	8	9
Direct and Assumed	Ceded	Net (1 - 2)	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Salvage and Subrogation Received	Total Net Paid Cols (4 - 5 + 6 - 7 + 8 - 9)	Number of Claims Reported Direct and Assumed
PRIOR....	23,417	7,032	1,912	4,346	1,882	215	4,076	15,618	- 0
2011	752,664	128,721	623,944	447,039	89,478	38,288	5,259	36,859	2,214	9,858	425,235	- 0
2012	876,310	184,382	691,928	459,242	93,147	44,554	5,962	41,248	3,241	8,399	442,694	- 0
2013	1,066,665	223,679	842,986	494,587	122,157	49,479	9,261	41,072	3,018	11,695	450,703	- 0
2014	1,226,132	241,472	984,660	520,195	104,628	52,302	9,472	48,049	2,840	16,798	503,605	- 0
2015	1,326,349	256,648	1,069,701	522,211	114,538	54,522	11,119	49,548	2,877	15,630	497,747	- 0
2016	1,425,344	289,471	1,135,873	529,828	119,616	56,397	12,388	50,915	1,161	13,300	503,974	- 0
2017	1,403,989	217,331	1,186,658	497,927	99,392	55,348	10,600	57,022	5,914	7,775	494,392	- 0
2018	1,312,659	142,030	1,170,628	444,603	61,676	51,271	7,942	54,381	4,919	4,472	475,718	- 0
2019	1,214,046	69,797	1,144,249	313,846	19,214	37,921	3,588	48,033	2,672	1,662	374,326	- 0
2020	1,032,068	24,224	1,007,843	127,514	1,745	12,048	464	27,233	114	271	164,472	- 0
Totals	XXX	XXX	XXX	4,380,410	832,623	454,041	80,400	456,241	29,184	93,936	4,348,484	- 0
Losses Unpaid	Defense and Cost Containment Unpaid	23	24
Case Basis	Bulk & IBNR	Case Basis	Bulk & IBNR	Adjusting and Other Unpaid
Years in	13	14	15	16	17	18	19	20	21	22
Which Premiums Were Earned and Losses Were Incurred	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Direct and Assumed	Ceded	Salvage and Subrogation Anticipated	Total Net Losses and Expenses Unpaid
PRIOR....	199,173	69,253	75,106	23,881	7,126	838	5,854	243	10,831	24	2,327	203,852
2011	16,862	3,954	15,322	4,325	973	39	1,716	49	1,307	0	190	27,813
2012	18,115	1,061	19,714	6,089	1,076	20	2,404	80	1,710	- 0	616	35,770
2013	23,941	1,652	24,471	8,498	1,688	41	2,975	137	1,803	- 0	486	44,550
2014	30,924	5,572	32,657	10,659	2,250	157	3,843	179	2,471	- 0	1,008	55,578
2015	37,964	6,869	42,291	12,534	3,165	45	5,061	128	3,059	- 0	1,066	71,964
2016	60,353	11,072	38,650	17,176	4,002	41	6,956	75	4,536	- 0	1,463	86,132
2017	77,746	12,002	47,237	15,677	7,258	157	8,624	120	6,147	- 0	2,928	119,056
2018	118,496	13,530	50,384	12,547	13,116	307	11,760	200	8,537	- 0	3,755	175,710
2019	162,873	8,992	85,111	6,944	22,087	299	17,124	105	13,240	- 0	3,957	284,095
2020	212,410	10,733	216,785	3,619	26,627	228	30,882	- 0	26,782	- 0	4,324	498,907
Totals	958,858	144,691	647,730	121,948	89,368	2,171	97,199	1,316	80,423	24	22,120	1,603,427
Total Losses and Loss Expenses Incurred	Loss and Loss Expense Percentage (Incurred / Premiums Earned)	Nontabular Discount	34	Net Balance Sheet Reserves After Discount
26	27	28	29	30	31	32	33	35	36
Years in
Which Premiums Were Earned and Losses Were Incurred	Direct and Assumed	Ceded	Net	Direct and Assumed	Ceded	Net	Loss	Loss Expense	Inter-Company Pooling Participation Percentage	Losses Unpaid	Loss Expenses Unpaid
PRIOR....	XXX	XXX	XXX	XXX	XXX	XXX	498	- 0	XXX	180,647	22,706
2011	558,366	105,318	453,048	74.2%	81.8%	72.6%	5	- 0	23,900	3,908
2012	588,063	109,599	478,463	67.1%	59.4%	69.1%	4	- 0	30,675	5,090
2013	640,017	144,765	495,253	60.0%	64.7%	58.7%	22	- 0	38,240	6,288
2014	692,691	133,508	559,183	56.5%	55.3%	56.8%	86	- 0	47,264	8,228
2015	717,821	148,110	569,711	54.1%	57.7%	53.3%	109	- 0	60,743	11,112
2016	751,636	161,529	590,107	52.7%	55.8%	52.0%	96	- 0	70,659	15,377
2017	757,309	143,862	613,448	53.9%	66.2%	51.7%	10	- 0	97,293	21,752
2018	752,548	101,121	651,427	57.3%	71.2%	55.6%	(0)	- 0	142,804	32,907
2019	700,235	41,814	658,421	57.7%	59.9%	57.5%	(0)	- 0	232,048	52,047
2020	680,282	16,903	663,379	65.9%	69.8%	65.8%	(0)	- 0	414,844	84,064
Totals	XXX	XXX	XXX	XXX	XXX	XXX	830	- 0	XXX	1,339,118	263,479
ANNUAL STATEMENT FOR THE YEAR 2020 OF Berkley Insurance Company Excluding XS WC and Retro Rated WC
FOR: PD0 Workers Compensation
PART 2
INCURRED NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END	DEVELOPMENT
1	2	3	4	5	6	7	8	9	10	11	12
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	One Year	Two Year
PRIOR....	629,487	643,219	644,488	666,724	669,435	673,467	674,901	669,692	669,971	679,656	9,684	9,964
2011	426,356	409,400	404,910	418,841	420,941	419,274	419,603	416,555	418,491	417,477	(1,014)	922
2012	XXX	449,540	445,438	449,272	441,530	442,994	445,248	440,984	439,035	439,871	835	(1,113)
2013	XXX	XXX	483,109	481,415	473,779	465,780	466,055	458,101	456,503	455,640	(863)	(2,461)
2014	XXX	XXX	XXX	564,085	560,526	553,093	541,629	530,094	516,053	511,993	(4,060)	(18,101)
2015	XXX	XXX	XXX	XXX	633,598	607,700	565,099	547,406	526,606	520,314	(6,293)	(27,092)
2016	XXX	XXX	XXX	XXX	XXX	616,075	612,953	586,186	548,835	535,967	(12,868)	(50,219)
2017	XXX	XXX	XXX	XXX	XXX	XXX	664,273	630,457	576,929	556,203	(20,726)	(74,254)
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	670,219	608,876	593,430	(15,446)	(76,789)
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	664,655	599,820	(64,836)	XXX
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	609,479	XXX	XXX
Totals	(115,586)	(239,143)
PART 3
CUMULATIVE PAID NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END	11	12
1	2	3	4	5	6	7	8	9	10
Years in Which Losses Were Incurred	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	Number of Claims Closed With Loss Payment	Number of Claims Closed Without Loss Payment
PRIOR....	ERROR:#VALUE!	160,843	251,055	314,501	361,687	401,942	430,851	446,428	462,861	476,812
2011	91,087	214,147	279,941	321,655	347,609	365,474	374,920	380,225	385,997	390,591
2012	XXX	91,862	222,577	301,138	343,118	370,436	382,981	394,197	399,437	404,687
2013	XXX	XXX	90,882	229,765	307,718	353,235	380,443	394,809	404,399	412,647
2014	XXX	XXX	XXX	115,737	268,738	356,716	409,921	436,910	450,513	458,395
2015	XXX	XXX	XXX	XXX	105,616	268,918	358,698	406,940	435,748	451,076
2016	XXX	XXX	XXX	XXX	XXX	108,625	283,100	377,739	426,670	454,221
2017	XXX	XXX	XXX	XXX	XXX	XXX	116,029	296,939	393,231	443,284
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	129,551	327,261	426,257
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	144,964	328,965
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	137,354	XXX	XXX
PART 4
BULK AND IBNR RESERVES ON NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END
1	2	3	4	5	6	7	8	9	10
Years in Which Losses Were Incurred	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	255,593	188,933	144,623	111,464	90,634	75,196	76,095	63,145	63,059	57,025
2011	195,715	85,864	47,919	36,977	29,124	21,928	18,346	14,518	14,476	12,669
2012	XXX	207,664	104,902	57,647	37,760	34,075	28,210	20,678	18,990	15,956
2013	XXX	XXX	228,753	122,519	74,459	54,367	41,323	27,687	21,618	18,821
2014	XXX	XXX	XXX	252,866	139,777	97,086	63,886	45,740	32,546	25,699
2015	XXX	XXX	XXX	XXX	329,105	191,106	103,663	69,053	43,846	32,738
2016	XXX	XXX	XXX	XXX	XXX	290,613	156,664	99,608	47,902	28,396
2017	XXX	XXX	XXX	XXX	XXX	XXX	318,282	163,651	81,326	40,067
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	299,294	115,596	49,397
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	299,368	95,185
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	244,048
PART 5
SECTION 1
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR END
1	2	3	4	5	6	7	8	9	10
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	11,496	2,530	2,785	844	(1,616)	(219)	220	202	233	160
2011	18,564	27,836	29,727	30,400	30,354	30,582	30,701	30,784	30,896	30,871
2012	XXX	19,115	28,937	30,782	31,174	31,558	31,743	31,871	32,054	32,016
2013	XXX	XXX	19,906	31,101	32,558	33,359	33,826	34,031	34,196	34,236
2014	XXX	XXX	XXX	21,337	31,704	34,017	34,934	35,393	35,612	35,698
2015	XXX	XXX	XXX	XXX	20,297	32,308	34,441	35,295	35,723	35,940
2016	XXX	XXX	XXX	XXX	XXX	21,191	32,344	34,829	35,703	36,106
2017	XXX	XXX	XXX	XXX	XXX	XXX	21,871	33,113	35,235	36,025
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	22,567	32,758	34,828
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	20,406	31,086
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	15,403
SECTION 2
Years in Which Premiums Were Earned and Losses Were Incurred	NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
1	2	3	4	5	6	7	8	9	10
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	6,574	4,111	3,069	2,374	2,110	1,883	1,532	1,306	1,186	1,058
2011	11,780	2,999	1,614	975	611	415	290	206	175	146
2012	XXX	12,266	3,364	1,670	965	578	396	278	205	155
2013	XXX	XXX	14,339	3,652	1,979	1,041	575	376	251	181
2014	XXX	XXX	XXX	13,894	3,921	1,904	1,000	547	340	266
2015	XXX	XXX	XXX	XXX	15,404	3,779	1,827	970	569	376
2016	XXX	XXX	XXX	XXX	XXX	14,305	3,802	1,741	926	576
2017	XXX	XXX	XXX	XXX	XXX	XXX	12,975	3,723	1,899	1,035
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	13,008	3,784	1,854
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	13,211	3,630
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	10,067
SECTION 3
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
1	2	3	4	5	6	7	8	9	10
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR....	28,510	26,849	28,244	26,747	(1,970)	(222)	2,333	315	255	5
2011	41,998	43,990	44,526	44,604	44,198	44,215	44,228	44,237	44,247	44,253
2012	XXX	43,135	45,347	45,602	45,266	45,289	45,318	45,336	45,341	45,344
2013	XXX	XXX	46,425	48,689	48,511	48,534	48,558	48,566	48,575	48,581
2014	XXX	XXX	XXX	48,380	50,448	50,587	50,705	50,676	50,694	50,712
2015	XXX	XXX	XXX	XXX	49,596	51,745	52,150	52,064	52,082	52,089
2016	XXX	XXX	XXX	XXX	XXX	48,537	50,881	51,335	51,404	51,470
2017	XXX	XXX	XXX	XXX	XXX	XXX	47,187	50,399	50,670	50,782
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	46,805	48,751	49,017
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	44,959	47,184
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	34,986
PART 6
SECTION 1
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END	11
1	2	3	4	5	6	7	8	9	10	Current Year Premiums Earned
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR	(642)	1,579,863	(14,752)	17,064	(19)	49	(1)	(1,769)	(158)	(269)	(407)
2011	656,802	755,490	756,159	762,090	761,874	761,878	761,869	761,881	761,881	761,842	(38)
2012	XXX	855,566	857,277	865,248	865,216	865,174	865,122	865,114	865,114	865,098	(16)
2013	XXX	XXX	1,080,283	1,091,290	1,092,273	1,092,078	1,092,003	1,091,934	1,091,846	1,091,890	43
2014	XXX	XXX	XXX	1,190,068	1,202,135	1,203,540	1,203,476	1,203,157	1,203,009	1,203,058	48
2015	XXX	XXX	XXX	XXX	1,312,295	1,325,385	1,326,307	1,325,753	1,325,584	1,325,569	(15)
2016	XXX	XXX	XXX	XXX	XXX	1,411,075	1,428,958	1,428,250	1,427,913	1,427,238	(675)
2017	XXX	XXX	XXX	XXX	XXX	XXX	1,385,372	1,393,758	1,394,825	1,391,853	(2,972)
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,307,583	1,320,234	1,319,568	(666)
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,201,249	1,203,817	2,568
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,034,230	1,034,230
Total	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,032,101
Earned
Premiums
(Sch P-Pt. 1)	752,664	876,310	1,066,665	1,226,132	1,326,349	1,425,344	1,403,989	1,312,659	1,214,046	1,032,068	XXX
SECTION 2
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END	11
1	2	3	4	5	6	7	8	9	10	Current Year Premiums Earned
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR	- 0	1,475,089	(9)	156	(42)	52	(0)	(35)	(384)	277	277
2011	28,622	128,888	128,842	128,842	128,842	128,842	128,842	128,842	128,842	128,842	- 0
2012	XXX	184,556	184,538	184,541	184,535	184,535	184,535	184,535	184,535	184,535	- 0
2013	XXX	XXX	225,477	225,372	225,441	225,441	225,441	225,513	225,441	225,441	- 0
2014	XXX	XXX	XXX	241,472	241,561	241,561	241,561	241,628	241,561	241,561	- 0
2015	XXX	XXX	XXX	XXX	256,473	256,473	256,473	256,637	256,677	256,676	(1)
2016	XXX	XXX	XXX	XXX	XXX	289,460	289,460	290,091	290,166	290,162	(5)
2017	XXX	XXX	XXX	XXX	XXX	XXX	217,331	216,384	216,415	216,415	(0)
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	142,004	141,998	141,999	0
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	70,178	70,178	(0)
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	24,118	24,118
Total	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	24,388
Earned
Premiums
(Sch P-Pt. 1)	128,721	184,382	223,679	241,472	256,648	289,471	217,331	142,030	69,797	24,224	XXX
PART 6 - NET EARNED PREMIUM
Years in Which Premiums Were Earned and Losses Were Incurred	CUMULATIVE PREMIUMS EARNED NET AT YEAR END	11
1	2	3	4	5	6	7	8	9	10	Current Year Premiums Earned
2011	2012	2013	2014	2015	2016	2017	2018	2019	2020
PRIOR	(642)	104,773	(14,743)	16,908	23	(3)	(1)	(1,734)	226	(546)	(546)
2011	628,180	626,602	627,316	633,247	633,031	633,036	633,026	633,039	633,038	633,000	(38)
2012	XXX	671,010	672,738	680,707	680,681	680,639	680,588	680,580	680,579	680,564	(16)
2013	XXX	XXX	854,806	865,918	866,832	866,637	866,562	866,421	866,405	866,448	43
2014	XXX	XXX	XXX	948,596	960,574	961,979	961,915	961,528	961,448	961,496	48
2015	XXX	XXX	XXX	XXX	1,055,822	1,068,912	1,069,834	1,069,116	1,068,907	1,068,893	(14)
2016	XXX	XXX	XXX	XXX	XXX	1,121,614	1,139,498	1,138,159	1,137,747	1,137,076	(670)
2017	XXX	XXX	XXX	XXX	XXX	XXX	1,168,041	1,177,374	1,178,410	1,175,438	(2,972)
2018	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,165,579	1,178,236	1,177,570	(666)
2019	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,131,070	1,133,639	2,569
2020	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,010,113	1,010,113
Total	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	XXX	1,007,851
Earned
Premiums
(Sch P-Pt. 1)	623,944	691,928	842,986	984,660	1,069,701	1,135,873	1,186,658	1,170,628	1,144,249	1,007,843	XXX