People Culture Future

Analytics and technology implemented with a personal touch allows us to provide the financial stability and peace of mind that our customers deserve.

  • Net Written Premium $1,789,232
  • Net Operating Gain (Loss) 139,795
  • Net Income (after tax) 238,281
  • Combined Ratio 99.6%
  • Operating Ratio 92.1%
  • Return on Surplus 5.4%
  • Net Premium Growth Rate -0.8%
  • Year End
  • Total Admitted Assets $5,865,259
  • Net Loss and LAE Reserves 1,724,783
  • Net Unearned Premium 886,394
  • Surplus 2,708,457
  • Net Writings to Surplus Ratio 0.7%
  • Annual Surplus Growth 7.9%
  • dollars in thousands / unaudited
2020 Financials
  • Net Written Premium $1,803,549
  • Net Operating Gain (Loss) 40,289
  • Net Income (after tax) 151,139
  • Combined Ratio 106.1%
  • Operating Ratio 98.2%
  • Return on Surplus 1.7%
  • Net Premium Growth Rate -1.7%
  • Year End
  • Total Admitted Assets $5,727,925
  • Net Loss and LAE Reserves 1,747,501
  • Net Unearned Premium 883,812
  • Surplus 2,511,177
  • Net Writings to Surplus Ratio 0.7%
  • Annual Surplus Growth 10.3%
  • dollars in thousands / unaudited
2019 Financials
  • Net Written Premium $1,833,948
  • Net Operating Gain (Loss) 1,987
  • Net Income (after tax) 60,734
  • Combined Ratio 107.9%
  • Operating Ratio 100.0%
  • Return on Surplus 0.1%
  • Net Premium Growth Rate -1.3%
  • Year End
  • Total Admitted Assets $5,530,025
  • Net Loss and LAE Reserves 1,766,282
  • Net Unearned Premium 904,130
  • Surplus 2,277,399
  • Net Writings to Surplus Ratio 0.8%
  • Annual Surplus Growth -2.4%
  • dollars in thousands / unaudited
2018 Financials
  • Net Written Premium $1,857,242
  • Net Operating Gain (Loss) (27,547)
  • Net Income (after tax) 27,506
  • Combined Ratio 108.8%
  • Operating Ratio 101.1%
  • Return on Surplus 1.2%
  • Net Premium Growth Rate 2.6%
  • Year End
  • Total Admitted Assets $5,517,541
  • Net Loss and LAE Reserves 1,759,594
  • Net Unearned Premium 909,378
  • Surplus 2,334,514
  • Net Writings to Surplus Ratio 0.8%
  • Annual Surplus Growth 5.5%
  • dollars in thousands / unaudited
2017 Financials
  • Net Written Premium $1,809,536
  • Net Operating Gain (Loss) 157,384
  • Net Income (after tax) 146,393
  • Combined Ratio 98.1%
  • Operating Ratio 90.7%
  • Return on Surplus 7.5%
  • Net Premium Growth Rate 2.3%
  • Year End
  • Total Admitted Assets $5,220,607
  • Net Loss and LAE Reserves 1,625,437
  • Net Unearned Premium 887,154
  • Surplus 2,211,868
  • Net Writings to Surplus Ratio 0.8%
  • Annual Surplus Growth 10.8%
  • dollars in thousands / unaudited
2016 Financials

contact us

800.243.0210
One Park Circle
P.O.Box 5001
Westfield Center, OH 44251

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