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*02127201820100100* PROPERTY AND CASUALTY COMPANIES - ASSOCIATION EDITION COMBINED ANNUAL STATEMENT FOR THE YEAR ENDED DECEMBER 31, 2018 OF THE CONDITION AND AFFAIRS OF THE Zurich American Insurance Company and Affiliates and its affiliated property and casualty insurers NAIC Group Code 0212 NAIC Company Code 02127 Mail Address 1299 Zurich Way, 5th Floor (Street and Number) Schaumburg , IL 60196-1056 , 847-605-6000 (City or Town, State, Country and Zip Code) (Area Code) (Telephone Number) Combined Statement Contact Colleen M Zitt , 847-413-5048 , [email protected] (Name) (Area Code) (Telephone Number) (E-mail Address) NAMES OF COMPANIES INCLUDED IN THIS STATEMENT Name of Company NAIC Company Code State of Domicile American Guarantee & Liability Insurance Company 26247 NY American Zurich Insurance Company 40142 IL Colonial American Casualty and Surety Company 34347 IL Empire Fire and Marine Insurance Company 21326 IL Empire Indemnity Insurance Company 21334 OK Fidelity and Deposit Company of Maryland 39306 IL Steadfast Insurance Company 26387 IL Universal Underwriters Insurance Company 41181 IL Universal Underwriters of Texas Insurance Company 40843 IL Zurich American Insurance Company 16535 NY Zurich American Insurance Company of Illinois 27855 IL Rural Community Insurance Company 39039 MN a. Is this an original filing? Yes [ X ] No [ ] b. If no, 1. State the amendment number 2. Date filed 3. Number of pages attached NOTE: This annual statement contains combined data for the property and casualty insurance companies listed above, compiled in accordance with the NAIC instructions for the completion of annual statements.

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Page 1: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

*02127201820100100*PROPERTY AND CASUALTY COMPANIES - ASSOCIATION EDITION

COMBINED ANNUAL STATEMENTFOR THE YEAR ENDED DECEMBER 31, 2018

OF THE CONDITION AND AFFAIRS OF THE

Zurich American Insurance Company and Affiliates and its affiliated property and casualty insurers

NAIC Group Code 0212 NAIC Company Code 02127

Mail Address 1299 Zurich Way, 5th Floor

(Street and Number)

Schaumburg , IL 60196-1056 , 847-605-6000

(City or Town, State, Country and Zip Code) (Area Code) (Telephone Number)

Combined Statement Contact Colleen M Zitt , 847-413-5048 , [email protected]

(Name) (Area Code) (Telephone Number) (E-mail Address)

NAMES OF COMPANIES INCLUDED IN THIS STATEMENTName of Company NAIC Company Code State of Domicile

American Guarantee & Liability Insurance Company 26247 NY

American Zurich Insurance Company 40142 IL

Colonial American Casualty and Surety Company 34347 IL

Empire Fire and Marine Insurance Company 21326 IL

Empire Indemnity Insurance Company 21334 OK

Fidelity and Deposit Company of Maryland 39306 IL

Steadfast Insurance Company 26387 IL

Universal Underwriters Insurance Company 41181 IL

Universal Underwriters of Texas Insurance Company 40843 IL

Zurich American Insurance Company 16535 NY

Zurich American Insurance Company of Illinois 27855 IL

Rural Community Insurance Company 39039 MN

a. Is this an original filing? Yes [ X ] No [ ]

b. If no,

1. State the amendment number

2. Date filed

3. Number of pages attached

NOTE: This annual statement contains combined data for the property and casualty insurance companies listed above, compiled in accordance with the NAIC instructions for the completion of annual statements.

Page 2: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

ASSETSCurrent Year Prior Year

1

Assets

2

Nonadmitted Assets

3Net Admitted Assets

(Cols. 1 - 2)

4Net Admitted

Assets

1. Bonds (Schedule D) 19,126,058,982 19,126,058,982 18,465,880,163

2. Stocks (Schedule D):

2.1 Preferred stocks

2.2 Common stocks 1,487,010,338 310,000 1,486,700,338 2,059,420,304

3. Mortgage loans on real estate (Schedule B):

3.1 First liens

3.2 Other than first liens

4. Real estate (Schedule A):

4.1 Properties occupied by the company (less $

encumbrances) 4,587,567 4,587,567 4,756,073

4.2 Properties held for the production of income (less

$ encumbrances) 1,324,734,333 1,324,734,333 1,164,577,406

4.3 Properties held for sale (less $

encumbrances) 43,829,370 43,829,370

5. Cash ($ (184,230,289) , Schedule E - Part 1), cash equivalents

($ 209,273,364 , Schedule E - Part 2) and short-term

investments ($ 52,761,036 , Schedule DA) 77,804,110 77,804,110 818,826,050

6. Contract loans (including $ 0 premium notes)

7. Derivatives (Schedule DB) 642,656 642,656 34,100

8. Other invested assets (Schedule BA) 1,113,225,492 1,113,225,492 1,398,151,991

9. Receivable for securities 75,785,392 255,039 75,530,353 216,911,554

10. Securities lending reinvested collateral assets (Schedule DL) 47,379,583 47,379,583 142,251,002

11. Aggregate write-ins for invested assets 142,053,861 142,053,861 154,154,004

12. Subtotals, cash and invested assets (Lines 1 to 11) 23,443,111,684 565,039 23,442,546,645 24,424,962,645

13. Title plants less $ 0 charged off (for Title insurers

only)

14. Investment income due and accrued 137,916,598 743,764 137,172,834 139,742,523

15. Premiums and considerations:

15.1 Uncollected premiums and agents' balances in the course of collection 1,505,590,579 217,915,662 1,287,674,917 1,201,496,466

15.2 Deferred premiums and agents' balances and installments booked but

deferred and not yet due (including $ 305,755,001

earned but unbilled premiums) 1,402,985,866 35,225,910 1,367,759,956 3,020,065,607

15.3 Accrued retrospective premiums ($ 479,257,880 ) and

contracts subject to redetermination ($ 0 ) 479,257,880 34,591,457 444,666,423 323,701,579

16. Reinsurance:

16.1 Amounts recoverable from reinsurers 1,422,546,190 1,422,546,190 731,171,299

16.2 Funds held by or deposited with reinsured companies 371,693 371,693 289,784

16.3 Other amounts receivable under reinsurance contracts

17. Amounts receivable relating to uninsured plans

18.1 Current federal and foreign income tax recoverable and interest thereon 3,065,573 3,065,573

18.2 Net deferred tax asset 503,914,817 45,458 503,869,359 480,324,047

19. Guaranty funds receivable or on deposit 15,277,593 15,277,593 15,282,076

20. Electronic data processing equipment and software 165,549,167 165,549,167

21. Furniture and equipment, including health care delivery assets

($ 0 ) 59,069,269 59,069,269

22. Net adjustment in assets and liabilities due to foreign exchange rates

23. Receivables from parent, subsidiaries and affiliates 67,476,035 12,184,084 55,291,951 126,220,660

24. Health care ($ 0 ) and other amounts receivable

25. Aggregate write-ins for other than invested assets 1,565,557,246 142,568,691 1,422,988,555 578,846,853

26. Total assets excluding Separate Accounts, Segregated Accounts and Protected Cell Accounts (Lines 12 to 25) 30,771,690,189 668,458,500 30,103,231,689 31,042,103,539

27. From Separate Accounts, Segregated Accounts and Protected Cell Accounts

28. Total (Lines 26 and 27) 30,771,690,189 668,458,500 30,103,231,689 31,042,103,539

DETAILS OF WRITE-INS

1199. Totals (Lines 1101 thru 1103 plus 1198)(Line 11 above) 142,053,861 142,053,861 154,154,004

2599. Totals (Lines 2501 thru 2503 plus 2598)(Line 25 above) 1,565,557,246 142,568,691 1,422,988,555 578,846,853

2

Page 3: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

LIABILITIES, SURPLUS AND OTHER FUNDS1

Current Year2

Prior Year

1. Losses (Part 2A, Line 35, Column 8) 10,929,674,495 11,166,505,223

2. Reinsurance payable on paid losses and loss adjustment expenses (Schedule F, Part 1, Column 6) 55,318,932 570,471,824

3. Loss adjustment expenses (Part 2A, Line 35, Column 9) 2,920,236,700 2,958,796,672

4. Commissions payable, contingent commissions and other similar charges 222,496,074 112,790,522

5. Other expenses (excluding taxes, licenses and fees) 818,691,439 672,282,544

6. Taxes, licenses and fees (excluding federal and foreign income taxes) 160,601,581 213,808,379

7.1 Current federal and foreign income taxes (including $ 10,703,626 on realized capital gains (losses)) 92,627,122

7.2 Net deferred tax liability

8. Borrowed money $ 0 and interest thereon $ 0

9. Unearned premiums (Part 1A, Line 38, Column 5) (after deducting unearned premiums for ceded reinsurance of

$ 2,324,895,670 and including warranty reserves of $ 104,097,625 and accrued accident and

health experience rating refunds including $ for medical loss ratio rebate per the Public Health

Service Act) 3,819,936,875 4,274,053,819

10. Advance premium

11. Dividends declared and unpaid:

11.1 Stockholders

11.2 Policyholders 1,282,761 1,189,984

12. Ceded reinsurance premiums payable (net of ceding commissions) 1,970,077,633 994,682,538

13. Funds held by company under reinsurance treaties (Schedule F, Part 3, Column 20) 559,287,473 636,997,404

14. Amounts withheld or retained by company for account of others 229,652,196 224,477,869

15. Remittances and items not allocated 22,393,692 161,294,149

16. Provision for reinsurance (including $ 8,869 certified) (Schedule F, Part 3, Column 78) 213,799,671 169,995,451

17. Net adjustments in assets and liabilities due to foreign exchange rates

18. Drafts outstanding

19. Payable to parent, subsidiaries and affiliates

20. Derivatives 5,954,930 277,127

21. Payable for securities 57,547,484 92,373,994

22. Payable for securities lending 47,379,583 142,251,002

23. Liability for amounts held under uninsured plans

24. Capital notes $ 0 and interest thereon $ 0

25. Aggregate write-ins for liabilities 893,394,889 938,192,043

26. Total liabilities excluding protected cell liabilities (Lines 1 through 25) 22,927,726,409 23,423,067,666

27. Protected cell liabilities

28. Total liabilities (Lines 26 and 27) 22,927,726,409 23,423,067,666

29. Aggregate write-ins for special surplus funds 5,106,000 49,899,000

30. Common capital stock 5,000,000 5,000,000

31. Preferred capital stock

32. Aggregate write-ins for other than special surplus funds

33. Surplus notes

34. Gross paid in and contributed surplus 4,394,131,321 4,394,131,321

35. Unassigned funds (surplus) 2,771,267,960 3,170,005,552

36. Less treasury stock, at cost:

36.1 0 shares common (value included in Line 30 $ 0 )

36.2 0 shares preferred (value included in Line 31 $ 0 )

37. Surplus as regards policyholders (Lines 29 to 35, less 36) (Page 4, Line 39) 7,175,505,281 7,619,035,873

38. TOTALS (Page 2, Line 28, Col. 3) 30,103,231,689 31,042,103,539

DETAILS OF WRITE-INS

2599. Totals (Lines 2501 thru 2503 plus 2598)(Line 25 above) 893,394,889 938,192,043

2999. Totals (Lines 2901 thru 2903 plus 2998)(Line 29 above) 5,106,000 49,899,000

3299. Totals (Lines 3201 thru 3203 plus 3298)(Line 32 above)

3

Page 4: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

STATEMENT OF INCOME1

Current Year2

Prior Year

UNDERWRITING INCOME

1. Premiums earned (Part 1, Line 35, Column 4) 4,399,179,549 4,622,302,953

DEDUCTIONS:

2. Losses incurred (Part 2, Line 35, Column 7) 2,865,184,356 3,023,642,801

3. Loss adjustment expenses incurred (Part 3, Line 25, Column 1) 716,160,821 790,060,996

4. Other underwriting expenses incurred (Part 3, Line 25, Column 2) 661,788,529 710,779,381

5. Aggregate write-ins for underwriting deductions

6. Total underwriting deductions (Lines 2 through 5) 4,243,133,706 4,524,483,178

7. Net income of protected cells

8. Net underwriting gain or (loss) (Line 1 minus Line 6 plus Line 7) 156,045,843 97,819,775

INVESTMENT INCOME

9. Net investment income earned (Exhibit of Net Investment Income, Line 17) 659,266,641 626,360,517

10. Net realized capital gains or (losses) less capital gains tax of $ (5,130,611) (Exhibit of Capital

Gains (Losses) ) 133,859,268 263,795,602

11. Net investment gain (loss) (Lines 9 + 10) 793,125,909 890,156,118

OTHER INCOME

12. Net gain (loss) from agents’ or premium balances charged off (amount recovered

$ 0 amount charged off $ 1,064,208 ) (1,064,208) (21,939,941)

13. Finance and service charges not included in premiums 1,468,291 (4,079,533)

14. Aggregate write-ins for miscellaneous income (184,008,839) (39,126,493)

15. Total other income (Lines 12 through 14) (183,604,756) (65,145,967)

16. Net income before dividends to policyholders, after capital gains tax and before all other federal and foreign income taxes (Lines 8 + 11 + 15) 765,566,997 922,829,926

17. Dividends to policyholders 10,027,642 8,003,606

18. Net income, after dividends to policyholders, after capital gains tax and before all other federal and foreign income taxes (Line 16 minus Line 17) 755,539,355 914,826,320

19. Federal and foreign income taxes incurred 84,230,432 59,641,243

20. Net income (Line 18 minus Line 19)(to Line 22) 671,308,923 855,185,077

CAPITAL AND SURPLUS ACCOUNT

21. Surplus as regards policyholders, December 31 prior year (Page 4, Line 39, Column 2) 7,619,035,873 7,851,678,614

22. Net income (from Line 20) 671,308,923 855,185,077

23. Net transfers (to) from Protected Cell accounts

24. Change in net unrealized capital gains or (losses) less capital gains tax of $ (83,793,972) (358,271,087) 101,515,091

25. Change in net unrealized foreign exchange capital gain (loss) (9,074,822) (6,607,398)

26. Change in net deferred income tax (60,203,203) (530,797,641)

27. Change in nonadmitted assets (Exhibit of Nonadmitted Assets, Line 28, Col. 3) 47,675,696 (47,457,681)

28. Change in provision for reinsurance (Page 3, Line 16, Column 2 minus Column 1) (37,525,310) (113,671,631)

29. Change in surplus notes

30. Surplus (contributed to) withdrawn from protected cells

31. Cumulative effect of changes in accounting principles

32. Capital changes:

32.1 Paid in

32.2 Transferred from surplus (Stock Dividend)

32.3 Transferred to surplus

33. Surplus adjustments:

33.1 Paid in

33.2 Transferred to capital (Stock Dividend)

33.3 Transferred from capital

34. Net remittances from or (to) Home Office

35. Dividends to stockholders (662,000,000) (610,500,000)

36. Change in treasury stock (Page 3, Lines 36.1 and 36.2, Column 2 minus Column 1)

37. Aggregate write-ins for gains and losses in surplus (35,440,788) 119,691,444

38. Change in surplus as regards policyholders for the year (Lines 22 through 37) (443,530,592) (232,642,741)

39. Surplus as regards policyholders, December 31 current year (Line 21 plus Line 38) (Page 3, Line 37) 7,175,505,281 7,619,035,873

DETAILS OF WRITE-INS

0599. Totals (Lines 0501 thru 0503 plus 0598)(Line 5 above)

1499. Totals (Lines 1401 thru 1403 plus 1498)(Line 14 above) (184,008,848) (39,126,493)

3799. Totals (Lines 3701 thru 3703 plus 3798)(Line 37 above) (35,440,788) 119,691,444

4

Page 5: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

CASH FLOW1

Current Year

2

Prior Year

Cash from Operations

1. Premiums collected net of reinsurance 5,089,773,024 4,030,436,288

2. Net investment income 772,437,102 728,427,696

3. Miscellaneous income (183,604,756) (65,145,976)

4. Total (Lines 1 through 3) 5,678,605,371 4,693,718,008

5. Benefit and loss related payments 3,761,349,798 2,900,182,738

6. Net transfers to Separate Accounts, Segregated Accounts and Protected Cell Accounts

7. Commissions, expenses paid and aggregate write-ins for deductions 1,319,247,466 1,507,084,221

8. Dividends paid to policyholders 9,934,864 8,173,165

9. Federal and foreign income taxes paid (recovered) net of $ 0 tax on capital gains (losses) 174,792,516 118,592,577

10. Total (Lines 5 through 9) 5,265,324,644 4,534,032,702

11. Net cash from operations (Line 4 minus Line 10) 413,280,726 159,685,307

Cash from Investments

12. Proceeds from investments sold, matured or repaid:

12.1 Bonds 5,998,327,773 7,225,870,791

12.2 Stocks 1,369,594,003 939,893,339

12.3 Mortgage loans

12.4 Real estate 100,267,939

12.5 Other invested assets 374,202,496 802,523,960

12.6 Net gains or (losses) on cash, cash equivalents and short-term investments (17,860) (104,349)

12.7 Miscellaneous proceeds 262,555,004 48,289,320

12.8 Total investment proceeds (Lines 12.1 to 12.7) 8,004,661,415 9,116,741,000

13. Cost of investments acquired (long-term only):

13.1 Bonds 6,517,565,099 7,420,807,880

13.2 Stocks 1,253,130,533 818,137,536

13.3 Mortgage loans

13.4 Real estate 242,201,359 248,601,493

13.5 Other invested assets 111,776,486 130,026,873

13.6 Miscellaneous applications 49,624,715 127,215,888

13.7 Total investments acquired (Lines 13.1 to 13.6) 8,174,298,191 8,744,789,670

14. Net increase (decrease) in contract loans and premium notes

15. Net cash from investments (Line 12.8 minus Line 13.7 minus Line 14) (169,636,776) 371,951,330

Cash from Financing and Miscellaneous Sources

16. Cash provided (applied):

16.1 Surplus notes, capital notes

16.2 Capital and paid in surplus, less treasury stock

16.3 Borrowed funds

16.4 Net deposits on deposit-type contracts and other insurance liabilities

16.5 Dividends to stockholders 662,000,000 610,500,000

16.6 Other cash provided (applied) (322,665,906) 277,281,036

17. Net cash from financing and miscellaneous sources (Lines 16.1 to 16.4 minus Line 16.5 plus Line 16.6) (984,665,906) (333,218,964)

RECONCILIATION OF CASH, CASH EQUIVALENTS AND SHORT-TERM INVESTMENTS

18. Net change in cash, cash equivalents and short-term investments (Line 11, plus Lines 15 and 17) (741,021,956) 198,417,673

19. Cash, cash equivalents and short-term investments:

19.1 Beginning of year 818,826,056 620,408,383

19.2 End of period (Line 18 plus Line 19.1) 77,804,100 818,826,056

Note: Supplemental disclosures of cash flow information for non-cash transactions:

5

Page 6: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

UNDERWRITING AND INVESTMENT EXHIBITPART 1 - PREMIUMS EARNED

Line of Business

1

Net PremiumsWritten per

Column 6, Part 1B

2Unearned Premiums Dec. 31 Prior Year -

per Col. 3,Last Year’s Part 1

3Unearned Premiums

Dec. 31 CurrentYear - per Col. 5

Part 1A

4

Premiums Earned During Year

(Cols. 1 + 2 - 3)

1. Fire 191,250,628 195,114,176 222,382,636 163,982,167

2. Allied lines 957,656,639 314,267,123 401,118,376 870,805,386

3. Farmowners multiple peril

4. Homeowners multiple peril 2,682,788 2,387,537 2,892,432 2,177,893

5. Commercial multiple peril 210,923,466 270,102,732 227,127,706 253,898,492

6. Mortgage guaranty

8. Ocean marine 26,251,457 24,534,326 23,771,624 27,014,159

9. Inland marine 213,652,678 198,023,573 200,834,327 210,841,924

10. Financial guaranty

11.1 Medical professional liability - occurrence 123,053 327,452 249,225 201,279

11.2 Medical professional liability - claims-made 31,294,140 56,562,564 33,325,828 54,530,876

12. Earthquake 84,013,222 69,180,153 82,743,720 70,449,656

13. Group accident and health 160,231,088 7,941,744 3,875,338 164,297,494

14. Credit accident and health (group and individual)

15. Other accident and health (4) 306 298 4

16. Workers' compensation 794,377,035 514,701,850 394,743,393 914,335,492

17.1 Other liability - occurrence 286,595,606 587,659,501 386,908,246 487,346,861

17.2 Other liability - claims-made 175,462,458 476,559,253 388,621,589 263,400,122

17.3 Excess workers' compensation 25,015,999 23,913,850 24,458,988 24,470,861

18.1 Products liability - occurrence 32,661,158 66,981,393 41,677,741 57,964,810

18.2 Products liability - claims-made (94,348) 1,202,890 364,504 744,038

19.1, 19.2 Private passenger auto liability (3,594) (2,391) (9,578) 3,594

19.3, 19.4 Commercial auto liability 295,239,244 254,611,455 218,253,869 331,596,830

21. Auto physical damage 89,719,364 133,549,676 87,658,939 135,610,101

22. Aircraft (all perils)

23. Fidelity 17,219,434 31,713,695 28,648,505 20,284,623

24. Surety 277,091,784 399,543,540 389,865,540 286,769,785

26. Burglary and theft 8,539,068 10,207,659 8,988,991 9,757,736

27. Boiler and machinery 24,228,517 21,460,169 23,553,663 22,135,023

28. Credit 8,604,660 11,326,714 10,878,432 9,052,942

29. International

30. Warranty 5,715,814 118,165,295 104,097,625 19,783,484

31. Reinsurance - nonproportional assumed property

32. Reinsurance - nonproportional assumed liability

33. Reinsurance - nonproportional assumed financial lines

34. Aggregate write-ins for other lines of business 3,101,677 5,377,759 (2,276,083)

35. TOTALS 3,921,553,029 3,790,036,235 3,312,409,715 4,399,179,549

DETAILS OF WRITE-INS

3499. Totals (Lines 3401 thru 3403 plus 3498)(Line 34 above) 3,101,677 5,377,759 (2,276,083)

6

Page 7: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

UNDERWRITING AND INVESTMENT EXHIBITPART 1A - RECAPITULATION OF ALL PREMIUMS

Line of Business

1

Amount Unearned (Running One Yearor Less from Date

of Policy) (a)

2

Amount Unearned (Running More Than

One Year fromDate of Policy) (a)

3

Earned But Unbilled Premium

4Reserve for Rate

Credits and Retrospective

Adjustments Basedon Experience

5

Total Reserve for Unearned Premiums Cols. 1 + 2 + 3 + 4

1. Fire 185,301,964 35,247,489 293,332 1,539,852 222,382,636

2. Allied lines 203,173,125 195,454,360 281,111 2,209,781 401,118,376

3. Farmowners multiple peril

4. Homeowners multiple peril 578,000 2,314,050 382 2,892,432

5. Commercial multiple peril 221,968,919 6,689,807 (2,516,621) 985,601 227,127,706

6. Mortgage guaranty

8. Ocean marine 19,109,628 4,661,130 865 23,771,624

9. Inland marine 121,482,789 97,379,971 (18,027,742) (691) 200,834,327

10. Financial guaranty

11.1 Medical professional liability - occurrence 27,943 221,641 (359) 249,225

11.2 Medical professional liability - claims-made 32,910,597 462,123 (46,892) 33,325,828

12. Earthquake 72,034,981 10,708,738 1 82,743,720

13. Group accident and health 15,051,351 4,024,728 (15,119,076) (81,664) 3,875,338

14. Credit accident and health (group and individual)

15. Other accident and health 298 298

16. Workers' compensation 662,156,310 30,133,961 (114,430,260) (183,116,618) 394,743,393

17.1 Other liability - occurrence 237,877,949 240,576,573 (78,114,174) (13,432,101) 386,908,246

17.2 Other liability - claims-made 184,471,643 209,847,802 (7,029,373) 1,331,517 388,621,589

17.3 Excess workers' compensation 23,890,539 1,486,665 (918,173) (43) 24,458,988

18.1 Products liability - occurrence 37,962,386 11,027,848 (1,291,740) (6,020,753) 41,677,741

18.2 Products liability - claims-made 314,431 52,265 (2,274) 83 364,504

19.1, 19.2 Private passenger auto liability (1,404) (8,175) (9,578)

19.3, 19.4 Commercial auto liability 233,347,647 9,426,166 (14,259,286) (10,260,657) 218,253,869

21. Auto physical damage 89,976,144 1,439,484 (3,461,715) (294,974) 87,658,939

22. Aircraft (all perils)

23. Fidelity 16,109,929 12,538,577 (1) 28,648,505

24. Surety 155,353,242 285,448,075 (50,935,732) (45) 389,865,540

26. Burglary and theft 7,684,181 1,304,797 13 8,988,991

27. Boiler and machinery 21,612,586 1,907,866 34,239 (1,029) 23,553,663

28. Credit 4,015,001 7,074,958 (211,528) 10,878,432

29. International

30. Warranty 2,218,612 101,879,012 1 104,097,625

31. Reinsurance - nonproportional assumed property

32. Reinsurance - nonproportional assumed liability

33. Reinsurance - nonproportional assumed financial lines

34. Aggregate write-ins for other lines of business 5,377,759 5,377,759

35. TOTALS 2,548,628,493 1,271,308,383 (305,755,002) (201,772,159) 3,312,409,715

36. Accrued retrospective premiums based on experience 201,772,159

37. Earned but unbilled premiums 305,755,001

38. Balance (Sum of Line 35 through 37) 3,819,936,875

DETAILS OF WRITE-INS

3499. Totals (Lines 3401 thru 3403 plus 3498)(Line 34 above) 5,377,759 5,377,759

(a) State here basis of computation used in each case

7

Page 8: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

UNDERWRITING AND INVESTMENT EXHIBITPART 1B - PREMIUMS WRITTEN

1 Reinsurance Assumed Reinsurance Ceded 6

Line of Business Direct Business (a)

2

From Affiliates

3

From Non-Affiliates

4

To Affiliates

5

To Non-Affiliates

Net Premiums Written

Cols. 1+2+3-4-5

1. Fire 569,045,148 61,893,607 76,385,426 303,811,621 212,261,932 191,250,628

2. Allied lines 2,335,977,340 703,471 17,364,726 965,644,478 430,744,419 957,656,639

3. Farmowners multiple peril

4. Homeowners multiple peril 4,476,810 (12) 617,949 2,177,882 234,078 2,682,788

5. Commercial multiple peril 599,047,983 2,837,960 (14,098) 283,908,846 107,039,533 210,923,466

6. Mortgage guaranty

8. Ocean marine 81,525,175 5,791,701 1,380,008 43,051,088 19,394,339 26,251,457

9. Inland marine 655,389,702 1,186,314 3,765,331 265,933,183 180,755,487 213,652,678

10. Financial guaranty

11.1 Medical professional liability - occurrence 299,332 176,279 123,053

11.2 Medical professional liability - claims-made 61,468,657 149,084 24,206,958 54,530,559 31,294,140

12. Earthquake 225,717,437 (593) 681,536 81,028,056 61,357,101 84,013,222

13. Group accident and health 235,755,507 1,439,199 130,802,570 164,538,422 43,227,766 160,231,088

14. Credit accident and health (group and individual)

15. Other accident and health 4 (4)

16. Workers' compensation 2,694,390,443 (252,211) 46,096,764 928,147,341 1,017,710,620 794,377,035

17.1 Other liability - occurrence 1,550,779,753 93,721,388 18,639,797 638,211,835 738,333,498 286,595,606

17.2 Other liability - claims-made 702,860,306 9,252,645 2,255,662 315,767,738 223,138,417 175,462,458

17.3 Excess workers' compensation 49,487,289 (3) 24,470,858 430 25,015,999

18.1 Products liability - occurrence 181,562,557 10,797,493 1,169,389 60,753,309 100,114,973 32,661,158

18.2 Products liability - claims-made 1,960,658 41,860 2,891 1,301,487 798,270 (94,348)

19.1, 19.2 Private passenger auto liability 3,594 (3,594)

19.3, 19.4 Commercial auto liability 1,048,459,398 28,767,135 12,271,064 345,976,727 448,281,626 295,239,244

21. Auto physical damage 324,441,954 (490) 1,399,715 137,421,280 98,700,535 89,719,364

22. Aircraft (all perils)

23. Fidelity 51,761,284 86,826 70,656 20,443,028 14,256,303 17,219,434

24. Surety 585,695,193 30,811,211 2,916,377 302,744,971 39,586,025 277,091,784

26. Burglary and theft 31,211,878 61,636 209,879 13,222,242 9,722,082 8,539,068

27. Boiler and machinery 71,009,974 828,625 4,643,826 37,117,784 15,136,125 24,228,517

28. Credit 11,429,203 27,689,655 350,000 9,479,103 21,385,095 8,604,660

29. International

30. Warranty 337,632,734 6,081,083 339,903,147 (1,905,144) 5,715,814

31. Reinsurance - nonproportional assumed property XXX

32. Reinsurance - nonproportional assumed liability XXX

33. Reinsurance - nonproportional assumed financial lines XXX

34. Aggregate write-ins for other lines of business 825,594 (2,276,083) 3,101,677

35. TOTALS 12,412,211,308 281,887,586 345,216,426 5,337,488,780 3,780,273,512 3,921,553,029

DETAILS OF WRITE-INS

3499. Totals (Lines 3401 thru 3403 plus 3498)(Line 34 above) 825,594 (2,276,083) 3,101,677

(a) Does the company's direct premiums written include premiums recorded on an installment basis? Yes [ ] No [ X ]

If yes: 1. The amount of such installment premiums $

2. Amount at which such installment premiums would have been reported had they been reported on an annualized basis $

8

Page 9: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

UNDERWRITING AND INVESTMENT EXHIBITPART 2 - LOSSES PAID AND INCURRED

Losses Paid Less Salvage 5 6 7 8

Line of Business

1

Direct Business

2

ReinsuranceAssumed

3

ReinsuranceRecovered

4

Net Payments(Cols. 1 + 2 -3 )

Net Losses UnpaidCurrent Year

(Part 2A , Col. 8)Net Losses Unpaid

Prior Year

Losses Incurred Current Year

(Cols. 4 + 5 - 6)

Percentage ofLosses Incurred(Col. 7, Part 2) to Premiums Earned

(Col. 4, Part 1)

1. Fire 317,825,648 87,664,444 287,939,341 117,550,752 121,983,576 90,265,343 149,268,985 91.0

2. Allied lines 1,843,431,101 46,886,165 1,227,649,006 662,668,259 493,090,562 348,932,711 806,826,109 92.7

3. Farmowners multiple peril 984 492 492 492

4. Homeowners multiple peril 2,966,446 215,693 1,736,427 1,445,712 863,003 1,012,557 1,296,157 59.5

5. Commercial multiple peril 529,214,672 487,388 294,308,156 235,393,904 314,382,839 397,863,075 151,913,668 59.8

6. Mortgage guaranty

8. Ocean marine 58,606,406 6,527,517 48,001,493 17,132,429 19,893,978 20,378,321 16,648,086 61.6

9. Inland marine 286,589,772 (3,122,760) 198,009,190 85,457,822 91,559,307 65,401,735 111,615,393 52.9

10. Financial guaranty

11.1 Medical professional liability - occurrence (151,025) (21,294) (129,731) 2,266,741 2,958,795 (821,785) (408.3)

11.2 Medical professional liability - claims-made 83,658,513 37,671,627 60,538,857 60,791,284 195,270,357 195,899,368 60,162,273 110.3

12. Earthquake 1,509,646 1,498,398 11,248 256,459 657,603 (389,896) (0.6)

13. Group accident and health 130,396,177 79,814,491 112,132,721 98,077,948 75,042,425 81,976,867 91,143,505 55.5

14. Credit accident and health (group and individual)

15. Other accident and health (76,185) 76,185 1,767,633.4

16. Workers' compensation 1,453,214,136 25,635,652 970,527,251 508,322,537 4,929,885,144 5,012,697,372 425,510,310 46.5

17.1 Other liability - occurrence 1,472,235,853 32,880,788 948,044,880 557,071,761 2,267,984,934 2,455,313,610 369,743,085 75.9

17.2 Other liability - claims-made 428,640,742 13,486,986 256,637,785 185,489,942 957,445,087 946,930,391 196,004,638 74.4

17.3 Excess workers' compensation 9,453,110 315,492 3,284,587 6,484,015 283,900,868 260,419,307 29,965,576 122.5

18.1 Products liability - occurrence 142,401,758 940,059 84,073,669 59,268,148 411,897,615 413,390,424 57,775,338 99.7

18.2 Products liability - claims-made (1,145,863) 4,592,758 1,150,516 2,296,379 5,961,724 4,779,947 3,478,156 467.5

19.1, 19.2 Private passenger auto liability (1,185,732) (1,395) (812,492) (374,635) 1,559,052 1,601,372 (416,955) (11,602.0)

19.3, 19.4 Commercial auto liability 741,553,003 24,331,462 520,402,956 245,481,509 599,400,368 622,644,359 222,237,518 67.0

21. Auto physical damage 368,719,011 1,209,776 264,593,727 105,335,060 (551,790) 41,106,258 63,677,013 47.0

22. Aircraft (all perils) 1,477,493 14,415 1,395,465 96,443 607,367 671,468 32,343

23. Fidelity 61,972,234 32,333,867 29,638,367 27,131,012 29,755,596 27,013,783 133.2

24. Surety 173,267,643 255,953,329 327,426,142 101,794,830 74,897,318 106,908,114 69,784,034 24.3

26. Burglary and theft 691,931 13,326 371,572 333,684 4,173,245 3,580,680 926,249 9.5

27. Boiler and machinery 25,758,000 87,615 23,621,573 2,224,041 7,073,780 3,638,622 5,659,199 25.6

28. Credit 17,715,337 28,355,235 36,288,203 9,782,369 25,978,378 39,793,653 (4,032,906) (44.5)

29. International

30. Warranty 140,835,703 4,857,301 135,522,202 10,170,802 12,584,301 12,508,013 10,247,090 51.8

31. Reinsurance - nonproportional assumed property XXX

32. Reinsurance - nonproportional assumed liability XXX

33. Reinsurance - nonproportional assumed financial lines XXX

34. Aggregate write-ins for other lines of business 399,427 199,714 199,714 5,136,845 5,495,848 (159,289) 7.0

35. TOTALS 8,290,051,142 648,818,346 5,836,854,404 3,102,015,084 10,929,674,495 11,166,505,223 2,865,184,356 65.1

DETAILS OF WRITE-INS

3499. Totals (Lines 3401 thru 3403 plus 3498)(Line 34 above) 399,427 199,714 199,714 5,136,845 5,495,848 (159,289) 65.1

9

Page 10: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

UNDERWRITING AND INVESTMENT EXHIBITPART 2A - UNPAID LOSSES AND LOSS ADJUSTMENT EXPENSES

Reported Losses Incurred But Not Reported 8 9

Line of Business

1

Direct

2

ReinsuranceAssumed

3

DeductReinsuranceRecoverable

4

Net Losses Excl. Incurred But Not

Reported(Cols. 1 + 2 - 3)

5

Direct

6

ReinsuranceAssumed

7

ReinsuranceCeded

Net Losses Unpaid(Cols. 4 + 5 + 6 - 7)

Net UnpaidLoss Adjustment

Expenses

1. Fire 296,996,142 74,075,569 256,039,847 115,031,864 30,552,224 7,276,044 30,876,556 121,983,576 5,794,541

2. Allied lines 1,298,926,394 49,582,880 1,163,295,914 185,213,359 704,457,425 1,152,834 397,733,056 493,090,562 42,353,082

3. Farmowners multiple peril

4. Homeowners multiple peril 1,463,397 286,578 1,032,166 717,809 200,299 38,861 93,967 863,003

5. Commercial multiple peril 367,914,121 6,311,422 215,139,138 159,086,405 333,242,570 9,363 177,955,500 314,382,839 188,631,741

6. Mortgage guaranty

8. Ocean marine 37,127,743 4,188,692 27,673,438 13,642,997 14,646,536 1,157,429 9,552,984 19,893,978 1,651,682

9. Inland marine 226,148,168 15,666,115 174,395,666 67,418,616 54,726,191 3,618,289 34,203,790 91,559,307 7,616,597

10. Financial guaranty

11.1 Medical professional liability - occurrence 2,053,626 99,608 1,055,114 1,098,120 2,439,797 3,680 1,274,856 2,266,741 185,471

11.2 Medical professional liability - claims-made 71,537,544 26,017,928 48,969,154 48,586,318 199,664,765 94,682,691 147,663,417 195,270,357 29,536,129

12. Earthquake 134,607 (95) 40,184 94,328 390,603 2,789 231,261 256,459 42,295

13. Group accident and health 58,667,733 33,401,380 50,200,329 41,868,784 56,062,885 27,199,544 50,088,788 (a) 75,042,425 3,680,019

14. Credit accident and health (group and individual)

15. Other accident and health (a) (2,397)

16. Workers' compensation 4,363,612,331 113,882,879 2,245,047,502 2,232,447,708 5,852,314,453 77,176,595 3,232,053,611 4,929,885,144 826,729,083

17.1 Other liability - occurrence 2,006,959,076 174,435,002 1,269,001,264 912,392,814 3,212,729,516 204,276,347 2,061,413,743 2,267,984,934 1,083,826,297

17.2 Other liability - claims-made 995,210,812 11,767,818 590,201,253 416,777,378 1,311,933,899 26,861,425 798,127,614 957,445,087 234,013,150

17.3 Excess workers' compensation 140,422,248 4,050,278 49,987,949 94,484,577 345,428,850 159,356 156,171,915 283,900,868 47,257,986

18.1 Products liability - occurrence 285,749,723 9,040,694 116,742,170 178,048,247 479,006,628 22,871,565 268,028,826 411,897,615 238,888,184

18.2 Products liability - claims-made 7,402,594 463,776 7,620,125 246,245 27,357,531 570,761 22,212,814 5,961,724 2,623,499

19.1, 19.2 Private passenger auto liability 1,283,627 7,999 (256,670) 1,548,296 (13,267) (24,023) 1,559,052 73,881

19.3, 19.4 Commercial auto liability 826,683,191 40,242,056 611,791,256 255,133,990 1,231,591,985 15,100,623 902,426,230 599,400,368 160,466,237

21. Auto physical damage 32,551,736 (17,254) 37,208,028 (4,673,546) 9,801,717 63,753 5,743,714 (551,790) 592,033

22. Aircraft (all perils) 789,044 288,765 562,190 515,618 380,332 116,818 405,402 607,367

23. Fidelity 35,085,782 5,663 17,225,101 17,866,344 22,048,029 147,588 12,930,949 27,131,012 3,682,326

24. Surety 59,898,240 11,211,865 29,786,942 41,323,163 61,221,755 85,203,615 112,851,215 74,897,318 36,320,297

26. Burglary and theft 2,591,775 46,367 1,518,420 1,119,721 11,263,099 21,682 8,231,256 4,173,245 607,410

27. Boiler and machinery 21,655,408 128,331 18,020,216 3,763,523 7,545,041 329,815 4,564,599 7,073,780 648,737

28. Credit 166,073 9,241,734 7,485,332 1,922,476 44,335,039 64,787,666 85,066,803 25,978,378 2,405,347

29. International

30. Warranty 7,584,121 124,338 6,776,316 932,143 29,326,878 486,554 18,161,275 12,584,301 1,515,904

31. Reinsurance - nonproportional assumed property XXX XXX

32. Reinsurance - nonproportional assumed liability XXX XXX

33. Reinsurance - nonproportional assumed financial lines XXX XXX

34. Aggregate write-ins for other lines of business 10,273,691 5,136,845 5,136,845 1,097,172

35. TOTALS 11,148,615,256 584,550,387 6,946,558,344 4,786,607,300 14,052,928,472 633,315,688 8,543,176,965 10,929,674,495 2,920,236,700

DETAILS OF WRITE-INS

3499. Totals (Lines 3401 thru 3403 plus 3498)(Line 34 above) 10,273,691 5,136,845 5,136,845 1,097,172

(a) Including $ for present value of life indemnity claims.

10

Page 11: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

UNDERWRITING AND INVESTMENT EXHIBITPART 3 - EXPENSES

1

Loss Adjustment Expenses

2

Other Underwriting Expenses

3

InvestmentExpenses

4

Total

1. Claim adjustment services:

1.1 Direct 955,042,052 955,042,052

1.2 Reinsurance assumed 87,125,741 87,125,741

1.3 Reinsurance ceded 705,937,024 705,937,024

1.4 Net claim adjustment service (1.1 + 1.2 - 1.3) 336,230,770 336,230,770

2. Commission and brokerage:

2.1 Direct excluding contingent 1,212,364,693 1,212,364,693

2.2 Reinsurance assumed, excluding contingent 115,546,188 115,546,188

2.3 Reinsurance ceded, excluding contingent 1,752,286,456 1,752,286,456

2.4 Contingent - direct 74,524,060 74,524,060

2.5 Contingent - reinsurance assumed 40,061,431 40,061,431

2.6 Contingent - reinsurance ceded 40,020,278 40,020,278

2.7 Policy and membership fees

2.8 Net commission and brokerage (2.1 + 2.2 - 2.3 + 2.4 + 2.5 - 2.6 + 2.7) (349,810,363) (349,810,363)

3. Allowances to managers and agents 1,499,558 1,499,558

4. Advertising 22,398,293 22,398,293

5. Boards, bureaus and associations 36,284,139 36,284,139

6. Surveys and underwriting reports 90,177,595 90,177,595

7. Audit of assureds’ records 22,200,655 22,200,655

8. Salary and related items:

8.1 Salaries 327,434,832 541,392,379 868,827,211

8.2 Payroll taxes 21,976,337 33,186,348 55,162,685

9. Employee relations and welfare 58,729,758 74,228,110 76,026 133,033,894

10. Insurance 3,207,384 9,711,786 12,919,170

11. Directors’ fees 66,670 286,793 353,463

12. Travel and travel items 16,296,095 34,955,747 51,251,842

13. Rent and rent items 23,918,544 78,230,987 102,149,531

14. Equipment 76,766,875 233,398,957 19 310,165,851

15. Cost or depreciation of EDP equipment and software 800,043 82,128,099 82,928,142

16. Printing and stationery 1,771,288 4,304,922 6,076,210

17. Postage, telephone and telegraph, exchange and express 6,037,959 15,242,912 1,494 21,282,365

18. Legal and auditing 2,598,168 14,649,121 39,828,483 57,075,773

19. Totals (Lines 3 to 18) 539,603,953 1,294,276,402 39,906,022 1,873,786,378

20. Taxes, licenses and fees:

20.1 State and local insurance taxes deducting guaranty association

credits of $ 0 240,783,490 240,783,490

20.2 Insurance department licenses and fees 12,300,268 12,300,268

20.3 Gross guaranty association assessments

20.4 All other (excluding federal and foreign income and real estate) (16,902,599) (16,902,599)

20.5 Total taxes, licenses and fees (20.1 + 20.2 + 20.3 + 20.4) 236,181,159 236,181,159

21. Real estate expenses 11,252,057 11,252,057

22. Real estate taxes 14,746,842 14,746,842

23. Reimbursements by uninsured plans

24. Aggregate write-ins for miscellaneous expenses (159,673,902) (518,858,669) 2,633,803 (675,898,768)

25. Total expenses incurred 716,160,821 661,788,529 68,538,724 (a) 1,446,488,074

26. Less unpaid expenses - current year 2,920,236,700 1,186,981,030 14,808,064 4,122,025,795

27. Add unpaid expenses - prior year 2,958,796,672 982,931,312 15,314,297 3,957,042,281

28. Amounts receivable relating to uninsured plans, prior year

29. Amounts receivable relating to uninsured plans, current year

30. TOTAL EXPENSES PAID (Lines 25 - 26 + 27 - 28 + 29) 754,720,792 457,738,810 69,044,957 1,281,504,559

DETAILS OF WRITE-INS

2499. Totals (Lines 2401 thru 2403 plus 2498)(Line 24 above) (159,673,902) (518,858,669) 2,633,803 (675,898,768)

(a) Includes management fees of $ to affiliates and $ to non-affiliates.

11

Page 12: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

EXHIBIT OF NET INVESTMENT INCOME

1 2Collected During Year Earned During Year

1. U.S. Government bonds (a) 97,316,241 94,602,229

1.1 Bonds exempt from U.S. tax (a) 88,986,420 93,052,536

1.2 Other bonds (unaffiliated) (a) 406,642,877 397,836,893

1.3 Bonds of affiliates (a)

2.1 Preferred stocks (unaffiliated) (b)

2.11 Preferred stocks of affiliates (b)

2.2 Common stocks (unaffiliated) 33,889,207 38,137,142

2.21 Common stocks of affiliates

3. Mortgage loans (c)

4. Real estate (d) 91,144,908 91,144,908

5 Contract loans

6 Cash, cash equivalents and short-term investments (e) 14,022,392 14,525,463

7 Derivative instruments (f)

8. Other invested assets 31,636,211 31,636,211

9. Aggregate write-ins for investment income 5,373,144 5,253,551

10. Total gross investment income 769,011,400 766,188,932

11. Investment expenses (g) 53,791,882

12. Investment taxes, licenses and fees, excluding federal income taxes (g) 14,746,842

13. Interest expense (h)

14. Depreciation on real estate and other invested assets (i) 38,383,568

15. Aggregate write-ins for deductions from investment income

16. Total deductions (Lines 11 through 15) 106,922,292

17. Net investment income (Line 10 minus Line 16) 659,266,641

DETAILS OF WRITE-INS

0999. Totals (Lines 0901 thru 0903 plus 0998) (Line 9, above) 5,373,144 5,253,551

1599. Totals (Lines 1501 thru 1503 plus 1598) (Line 15, above)

(a) Includes $ 16,050,107 accrual of discount less $ 94,030,999 amortization of premium and less $ 18,868,415 paid for accrued interest on purchases.

(b) Includes $ accrual of discount less $ amortization of premium and less $ paid for accrued dividends on purchases.

(c) Includes $ accrual of discount less $ amortization of premium and less $ paid for accrued interest on purchases.

(d) Includes $ for company’s occupancy of its own buildings; and excludes $ interest on encumbrances.

(e) Includes $ 349,665 accrual of discount less $ 1,405 amortization of premium and less $ 515,809 paid for accrued interest on purchases.

(f) Includes $ accrual of discount less $ amortization of premium.

(g) Includes $ investment expenses and $ investment taxes, licenses and fees, excluding federal income taxes, attributable tosegregated and Separate Accounts.

(h) Includes $ interest on surplus notes and $ interest on capital notes.

(i) Includes $ depreciation on real estate and $ depreciation on other invested assets.

EXHIBIT OF CAPITAL GAINS (LOSSES)1

Realized Gain (Loss) On Sales or Maturity

2

Other Realized Adjustments

3

Total Realized Capital Gain (Loss)

(Columns 1 + 2)

4

Change inUnrealized Capital

Gain (Loss)

5

Change in Unrealized Foreign Exchange Capital Gain (Loss)

1. U.S. Government bonds (10,417,350) (10,417,350) 223,156

1.1 Bonds exempt from U.S. tax (2,408,016) (2,408,016) (23,689)

1.2 Other bonds (unaffiliated) (24,486,537) (1,256,524) (25,743,061) (49,714,904)

1.3 Bonds of affiliates

2.1 Preferred stocks (unaffiliated)

2.11 Preferred stocks of affiliates

2.2 Common stocks (unaffiliated) 138,195,635 (7,346,287) 130,849,348 (299,140,578) 3,674,274

2.21 Common stocks of affiliates (44,524,490)

3. Mortgage loans

4. Real estate

5. Contract loans

6. Cash, cash equivalents and short-term investments (54,427) (54,427) 13,540

7. Derivative instruments 3,886,107 3,886,107 188,027 (5,257,273)

8. Other invested assets 32,873,887 (322,423) 32,551,464 (49,197,353) (5,854,598)

9. Aggregate write-ins for capital gains (losses) 64,584 64,584 111,224

10. Total capital gains (losses) 137,653,883 (8,925,234) 128,728,649 (442,065,068) (7,437,597)

DETAILS OF WRITE-INS

0999. Totals (Lines 0901 thru 0903 plus 0998) (Line 9, above) 64,584 64,584 111,224

12

Page 13: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE F - PART 1Assumed Reinsurance as of December 31, Current Year ($000 Omitted)

1 2 3 4 5 Reinsurance On 8 9 10 11 12 13 14 15

IDNumber

NAICCom-panyCode Name of Reinsured

Domiciliary Jurisdiction

AssumedPremium

6

Paid Losses and Loss Adjustment

Expenses

7

Known CaseLosses and LAE Cols. 6 + 7

Contingent Commissions

Payable

AssumedPremiums Receivable

UnearnedPremium

Funds Held By or Deposited With

Reinsured Companies

Letters of Credit Posted

Amount of Assets Pledged or

Compensating Balances to

Secure Letters of Credit

Amount of Assets Pledged

or Collateral Held in Trust

0199999 Affiliates - U.S. Intercompany Pooling

0299999 Affiliates - U.S. Non-Pool - Captive

0399999 Affiliates - U.S. Non-Pool - Other 110 110

0499999 Total - U.S. Non-Pool 110 110

0599999 Affiliates - Other (Non-U.S.) - Captive 856 366 358

0699999 Affiliates - Other (Non-U.S.) - Other 281,032 11,481 285,447 296,929 75,923 207,128 11 335,245

0799999 Total - Other (Non-U.S.) 281,888 11,481 285,447 296,929 76,289 207,486 11 335,245

0899999 Total - Affiliates 281,888 11,481 285,557 297,038 76,289 207,486 11 335,245

0999999 Total Other U.S. Unaffiliated Insurers 225,938 1,080 140,694 141,774 16,789 54,978 21

1099999 Total Pools, Associations or Other Similar Facilities - Mandatory Pools 52,626 41,364 116,024 157,388 60,026 20,516

1199999 Total Pools, Associations or Other Similar Facilities - Voluntary Pools 2,509 43 11,397 11,440 535 1,531

1299999 Total - Pools and Associations 55,134 41,407 127,421 168,828 60,561 22,047

1399999 Total Other Non-U.S. Insurers 64,145 1,351 59,751 61,102 7,846 39,667 340

9999999 Totals 627,105 55,319 613,424 668,743 161,485 324,178 372 335,245

20

Page 14: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE F - PART 2Premium Portfolio Reinsurance Effected or (Canceled) during Current Year

1

IDNumber

2NAICCom-panyCode

3

Name of Company

4

Date ofContract

5

OriginalPremium

6

ReinsurancePremium

0199999 Total Reinsurance Ceded By Portfolio0299999 Total Reinsurance Assumed By Portfolio NONE

21

Page 15: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE F - PART 3Ceded Reinsurance as of December 31, Current Year ($000 Omitted)

1 2 3 4 5 6 Reinsurance Recoverable On 16 Reinsurance Payable 19 20

IDNumber

NAICCom-panyCode Name of Reinsurer

DomiciliaryJurisdiction

SpecialCode

Reinsurance Premiums

Ceded

7

PaidLosses

8

PaidLAE

9

KnownCase Loss Reserves

10

KnownCase LAE Reserves

11

IBNRLoss

Reserves

12

IBNRLAE

Reserves

13

Unearned Premiums

14

Contingent Commis-

sions

15

Columns7 through14 Totals

Amount in Dispute

included in Column 15

17

Ceded Balances Payable

18

Other AmountsDue to

Reinsurers

Net Amount Recoverable

From Reinsurers Cols. 15 -[17 + 18]

Funds Held by

Company Under

Reinsurance Treaties

0199999 Total Authorized - Affiliates - U.S. Intercompany Pooling

0299999 Total Authorized - Affiliates - U.S. Non-Pool - Captive

0399999 Total Authorized - Affiliates - U.S. Non-Pool - Other 333 5,605 1,733 41,811 1,251 62,402 36,083 220 149,105 1,730 147,375

0499999 Total Authorized - Affiliates - U.S. Non-Pool 333 5,605 1,733 41,811 1,251 62,402 36,083 220 149,105 1,730 147,375

0599999 Total Authorized - Affiliates - Other (Non-U.S.) - Captive

0699999 Total Authorized - Affiliates - Other (Non-U.S.) - Other

0799999 Total Authorized - Affiliates - Other (Non-U.S.)

0899999 Total Authorized - Affiliates 333 5,605 1,733 41,811 1,251 62,402 36,083 220 149,105 1,730 147,375

0999999 Total Authorized - Other U.S. Unaffiliated Insurers 745,712 110,738 11,274 885,770 57,051 777,308 220,015 266,869 2,329,025 1,288 122,939 2,206,086

1099999 Total Authorized - Pools - Mandatory Pools 4,095 33 9 62,033 175 2 2,252 64,503 (1) 64,504

1199999 Total Authorized - Pools - Voluntary Pools 2,556 1,190 686 2,400 2,216 260 1,991 58,982 67,725 732 2,520 65,205

1299999 Total Authorized - Other Non-U.S. Insurers 98,427 30,609 1,733 77,517 3,150 88,843 36,147 38,123 276,122 15,323 260,799

1399999 Total Authorized - Protected Cell

1499999 Total Authorized Excluding Protected Cells (Sum of 0899999, 0999999, 1099999, 1199999 and 1299999) 851,123 148,174 15,435 1,069,531 63,843 928,813 294,237 366,445 2,886,479 2,020 142,510 2,743,969

1599999 Total Unauthorized - Affiliates - U.S. Intercompany Pooling

1699999 Total Unauthorized - Affiliates - U.S. Non-Pool - Captive

1799999 Total Unauthorized - Affiliates - U.S. Non-Pool - Other

1899999 Total Unauthorized - Affiliates - U.S. Non-Pool

1999999 Total Unauthorized - Affiliates - Other (Non-U.S.) - Captive 362,378 12,032 49 4,462 13,326 984,841 1,014,710 (5,757) 1,020,467

2099999 Total Unauthorized - Affiliates - Other (Non-U.S.) - Other 4,973,778 935,274 75,034 4,380,108 382,951 5,681,754 1,686,279 147,656 13,289,055 1,158,581 12,130,474 297,663

2199999 Total Unauthorized - Affiliates - Other (Non-U.S.) 5,336,156 947,306 75,082 4,384,570 382,951 5,695,080 1,686,279 1,132,497 14,303,766 1,152,824 13,150,942 297,663

2299999 Total Unauthorized - Affiliates 5,336,156 947,306 75,082 4,384,570 382,951 5,695,080 1,686,279 1,132,497 14,303,766 1,152,824 13,150,942 297,663

2399999 Total Unauthorized - Other U.S. Unaffiliated Insurers 415,466 30,371 4,423 326,876 15,988 426,324 105,815 62,623 972,419 92 35,257 937,162 20,727

2499999 Total Unauthorized - Pools - Mandatory Pools 120 17 100 2 238 165 73

2599999 Total Unauthorized - Pools - Voluntary Pools 662 (30) 43 4,362 2 2,357 406 1,759 8,899 315 8,584

2699999 Total Unauthorized - Other Non-U.S. Insurers 1,920,007 145,215 18,382 942,536 112,383 1,313,360 427,841 558,938 3,518,655 24 542,882 2,975,773 240,894

2799999 Total Unauthorized - Protected Cell

2899999 Total Unauthorized Excluding Protected Cells (Sum of 2299999, 2399999, 2499999, 2599999 and 2699999) 7,672,292 1,122,981 97,948 5,658,444 511,326 7,437,120 2,220,340 1,755,817 18,803,976 116 1,731,443 17,072,533 559,285

2999999 Total Certified - Affiliates - U.S. Intercompany Pooling

3099999 Total Certified - Affiliates - U.S. Non-Pool - Captive

3199999 Total Certified - Affiliates - U.S. Non-Pool - Other

3299999 Total Certified - Affiliates - U.S. Non-Pool

3399999 Total Certified - Affiliates - Other (Non-U.S.) - Captive

3499999 Total Certified - Affiliates - Other (Non-U.S.) - Other

3599999 Total Certified - Affiliates - Other (Non-U.S.)

3699999 Total Certified - Affiliates

3799999 Total Certified - Other U.S. Unaffiliated Insurers

3899999 Total Certified - Pools - Mandatory Pools

3999999 Total Certified - Pools - Voluntary Pools

4099999 Total Certified - Other Non-U.S. Insurers 594,347 36,585 1,423 218,583 5,643 177,243 40,339 202,634 682,450 96,124 586,326 3

4199999 Total Certified - Protected Cell

4299999 Total Certified Excluding Protected Cells (Sum of 3699999, 3799999, 3899999, 3999999 and 4099999) 594,347 36,585 1,423 218,583 5,643 177,243 40,339 202,634 682,450 96,124 586,326 3

4399999 Total Authorized, Unauthorized and Certified Excluding Protected Cells (Sum of 1499999, 2899999 and 4299999) 9,117,762 1,307,741 114,805 6,946,558 580,811 8,543,177 2,554,917 2,324,896 22,372,905 2,136 1,970,078 20,402,828 559,287

4499999 Total Protected Cells (Sum of 1399999, 2799999 and 4199999)

9999999 Totals 9,117,762 1,307,741 114,805 6,946,558 580,811 8,543,177 2,554,917 2,324,896 22,372,905 2,136 1,970,078 20,402,828 559,287

22

Page 16: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE F - PART 3 (Continued)Ceded Reinsurance as of December 31, Current Year ($000 Omitted)

(Credit Risk)Collateral 25 26 27 Ceded Reinsurance Credit Risk

IDNumber

FromCol. 1

Name of ReinsurerFrom Col. 3

21

Multiple Beneficiary

Trusts

22

Letters of Credit

23

Issuing or Confirming

Bank Reference Number

24

Single Beneficiary

Trusts & Other

Allowable Collateral

Total Funds Held,

Payables & Collateral

Net Recoverable Net of Funds

Held & Collateral

Applicable Sch. F Penalty(Col. 78)

28

Total Amount Recoverable

from Reinsurers

Less Penalty (Cols. 15-27)

29

Stressed Recoverable

(Col. 28 * 120%)

30

Reinsurance Payable & Funds Held

(Cols. 17+18+20; but not in excess ofCol. 29)

31

Stressed Net Recoverable (Cols. 29-30)

32

Total Collateral

(Cols. 21+22 + 24, not in Excess of Col. 31)

33

Stressed Net Recoverable

Net of Collateral

Offsets (Cols. 31-32)

34

Reinsurer Designation Equivalent

35

Credit Risk on Collateralized Recoverables

(Col. 32 * Factor

Applicable to Reinsurer

Designation Equivalent in

Col. 34)

36Credit Risk

on Un-collateralized Recoverables

(Col. 33 * Factor

Applicable to Reinsurer

Designation Equivalent in

Col. 34)0199999 Total Authorized - Affiliates - U.S. Intercompany Pooling XXX (12,546,427) 12,546,427 XXX XXX XXX XXX XXX XXX XXX XXX XXX

0299999 Total Authorized - Affiliates - U.S. Non-Pool - Captive XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

0399999 Total Authorized - Affiliates - U.S. Non-Pool - Other XXX (264,942) 414,047 51 XXX XXX XXX XXX XXX XXX XXX XXX XXX

0499999 Total Authorized - Affiliates - U.S. Non-Pool XXX (264,942) 414,047 51 XXX XXX XXX XXX XXX XXX XXX XXX XXX

0599999 Total Authorized - Affiliates - Other (Non-U.S.) - Captive XXX XXX

0699999 Total Authorized - Affiliates - Other (Non-U.S.) - Other XXX XXX

0799999 Total Authorized - Affiliates - Other (Non-U.S.) XXX XXX

0899999 Total Authorized - Affiliates XXX (12,811,369) 12,960,474 51 XXX

0999999 Total Authorized - Other U.S. Unaffiliated Insurers 39,189 8,953 XXX 27,169 182,970 2,146,054 29,734 2,299,699 2,759,639 122,728 2,636,911 64,547 2,572,363 XXX 3,064 111,013

1099999 Total Authorized - Pools - Mandatory Pools XXX (32) 64,535 XXX XXX XXX XXX XXX XXX XXX XXX XXX

1199999 Total Authorized - Pools - Voluntary Pools XXX 14,981 17,501 50,224 1,573 66,152 79,382 2,520 76,862 14,981 61,881 XXX 719 2,969

1299999 Total Authorized - Other Non-U.S. Insurers 262,457 XXX 276,122 1,657 275,196 330,236 14,310 315,925 262,396 53,530 XXX 11,875 2,568

1399999 Total Authorized - Protected Cell XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

1499999 Total Authorized Excluding Protected Cells (Sum of 0899999, 0999999, 1099999, 1199999 and 1299999) 301,646 8,953 XXX 42,150 (12,334,809) 15,221,287 33,016 2,641,047 3,169,257 139,559 3,029,698 341,924 2,687,774 XXX 15,657 116,550

1599999 Total Unauthorized - Affiliates - U.S. Intercompany Pooling XXX (20,378) 20,378 XXX XXX XXX XXX XXX XXX XXX XXX XXX

1699999 Total Unauthorized - Affiliates - U.S. Non-Pool - Captive XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

1799999 Total Unauthorized - Affiliates - U.S. Non-Pool - Other XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

1899999 Total Unauthorized - Affiliates - U.S. Non-Pool XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

1999999 Total Unauthorized - Affiliates - Other (Non-U.S.) - Captive XXX 1,238,674 1,014,710 1,014,710 1,217,652 (5,757) 1,223,409 1,223,409 XXX 61,170

2099999 Total Unauthorized - Affiliates - Other (Non-U.S.) - Other 2,474,182 XXX 9,980,740 13,289,055 3,298 13,286,174 15,943,409 1,455,781 14,487,628 12,100,968 2,386,660 XXX 515,851 147,763

2199999 Total Unauthorized - Affiliates - Other (Non-U.S.) 2,474,182 XXX 11,219,414 14,303,766 3,298 14,300,884 17,161,061 1,450,024 15,711,037 13,324,378 2,386,660 XXX 577,021 147,763

2299999 Total Unauthorized - Affiliates 2,474,182 XXX 11,219,414 14,283,387 20,378 3,298 14,300,884 17,161,061 1,450,024 15,711,037 13,324,378 2,386,660 XXX 577,021 147,763

2399999 Total Unauthorized - Other U.S. Unaffiliated Insurers 186,240 XXX 978,931 948,659 23,760 23,565 949,066 1,138,879 55,242 1,083,637 1,009,682 73,955 XXX 50,324 10,085

2499999 Total Unauthorized - Pools - Mandatory Pools XXX 164 74 74 XXX XXX XXX XXX XXX XXX XXX XXX XXX

2599999 Total Unauthorized - Pools - Voluntary Pools XXX 6,437 6,514 2,384 2,384 6,516 7,819 315 7,504 6,201 1,303 XXX 298 63

2699999 Total Unauthorized - Other Non-U.S. Insurers 3,300,029 XXX 82,153 3,368,560 150,087 151,453 3,369,025 4,042,830 769,841 3,272,990 2,906,746 366,244 XXX 140,663 37,412

2799999 Total Unauthorized - Protected Cell XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

2899999 Total Unauthorized Excluding Protected Cells (Sum of 2299999, 2399999, 2499999, 2599999 and 2699999) 5,960,451 XXX 12,286,935 18,607,285 196,683 180,774 18,625,491 22,350,589 2,275,422 20,075,167 17,247,005 2,828,162 XXX 768,306 195,323

2999999 Total Unauthorized - Affiliates - U.S. Intercompany Pooling XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

3099999 Total Unauthorized - Affiliates - U.S. Non-Pool - Captive XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

3199999 Total Unauthorized - Affiliates - U.S. Non-Pool - Other XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

3299999 Total Unauthorized - Affiliates - U.S. Non-Pool XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

3399999 Total Unauthorized - Affiliates - Other (Non-U.S.) - Captive XXX XXX

3499999 Total Unauthorized - Affiliates - Other (Non-U.S.) - Other XXX XXX

3599999 Total Unauthorized - Affiliates - Other (Non-U.S.) XXX XXX

3699999 Total Unauthorized - Affiliates XXX XXX

3799999 Total Unauthorized - Other U.S. Unaffiliated Insurers XXX XXX

3899999 Total Unauthorized - Pools - Mandatory Pools XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

3999999 Total Unauthorized - Pools - Voluntary Pools XXX XXX

4099999 Total Unauthorized - Other Non-U.S. Insurers 7,394 50,785 XXX 17,157 163,488 518,962 9 685,082 822,099 95,611 726,488 69,889 656,599 XXX 2,912 27,176

4199999 Total Unauthorized - Protected Cell XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

4299999 Total Certified Excluding Protected Cells (Sum of 3699999, 3799999, 3899999, 3999999 and 4099999) 7,394 50,785 XXX 17,157 163,488 518,962 9 685,082 822,099 95,611 726,488 69,889 656,599 XXX 2,912 27,176

4399999 Total Authorized, Unauthorized and Certified Excluding Protected Cells (Sum of 1499999, 2899999 and 4299999) 309,040 6,020,189 XXX 12,346,242 6,435,964 15,936,933 213,799 21,951,620 26,341,944 2,510,591 23,831,353 17,658,818 6,172,535 XXX 786,875 339,048

4499999 Total Protected Cells (Sum of 1399999, 2799999 and 4199999) XXX XXX

9999999 Totals 309,040 6,020,189 XXX 12,346,242 6,435,964 15,936,933 213,799 21,951,620 26,341,944 2,510,591 23,831,353 17,658,818 6,172,535 XXX 786,875 339,048

23

Page 17: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE F - PART 3 (Continued)Ceded Reinsurance as of December 31, Current Year ($000 Omitted)

(Aging of Ceded Reinsurance)Reinsurance Recoverable on Paid Losses and Paid Loss Adjustment Expenses 44 45 46 47 48 49 50 51 52 53

37 Overdue 43

IDNumber

FromCol. 1

Name of ReinsurerFrom Col. 3 Current

38

1 - 29Days

39

30 - 90Days

40

91 - 120Days

41

Over 120 Days

42

TotalOverdue

Cols. 38+39 +40+41

Total Due Cols. 37+42

(In total should equal Cols. 7+8)

Total Recoverable

on Paid Losses &

LAE Amounts in

Dispute Included in

Col. 43

Recoverable on Paid

Losses & LAE Over 90

Days Past Due Amounts

in Dispute Included in

Cols. 40 & 41

Total Recoverable

on Paid Losses &

LAE Amounts Not

in Dispute (Cols 43-44)

Recoverable on Paid

Losses & LAE Over 90

Days Past Due Amounts

Not in Dispute

(Cols. 40 + 41 - 45)

Amounts Received

Prior90 Days

Percentage Overdue Col.

42/Col. 43

Percentageof Amounts More Than

90 Days Overdue Not

in Dispute (Col.

47/[Cols. 46+48])

Percentage More Than 120 Days Overdue

(Col. 41/Col. 43)

Is theAmount in

Col. 50 Less Than 20%?(Yes or No)

Amounts in Col. 47 for Reinsurers with Values Less Than 20% in Col.

500199999 Total Authorized - Affiliates - U.S. Intercompany Pooling 8,903 XXX 2,678

0299999 Total Authorized - Affiliates - U.S. Non-Pool - Captive XXX

0399999 Total Authorized - Affiliates - U.S. Non-Pool - Other 7,339 7,338 7,338 253 26 0.0 3.4 XXX

0499999 Total Authorized - Affiliates - U.S. Non-Pool 7,339 7,338 7,338 253 26 0.0 3.4 XXX

0599999 Total Authorized - Affiliates - Other (Non-U.S.) - Captive XXX

0699999 Total Authorized - Affiliates - Other (Non-U.S.) - Other XXX

0799999 Total Authorized - Affiliates - Other (Non-U.S.) XXX

0899999 Total Authorized - Affiliates 7,339 7,338 7,338 9,156 26 0.0 124.3 XXX 2,678

0999999 Total Authorized - Other U.S. Unaffiliated Insurers 100,091 9,702 3,623 1,474 7,122 21,921 122,012 1,288 1,353 120,724 8,915 72,483 18.0 4.6 5.8 XXX 3,253

1099999 Total Authorized - Pools - Mandatory Pools 42 42 42 1,683 XXX

1199999 Total Authorized - Pools - Voluntary Pools 295 46 241 61 1,232 1,580 1,876 732 539 1,144 754 131 84.3 59.1 65.7 XXX

1299999 Total Authorized - Other Non-U.S. Insurers 21,466 1,173 1,723 89 7,890 10,876 32,342 32,342 8,287 71,738 33.6 8.0 24.4 XXX 1,909

1399999 Total Authorized - Protected Cell XXX

1499999 Total Authorized Excluding Protected Cells (Sum of 0899999, 0999999, 1099999, 1199999 and 1299999) 129,233 10,920 5,588 1,625 16,244 34,377 163,610 2,020 1,892 161,590 27,112 146,060 21.0 8.8 9.9 XXX 7,840

1599999 Total Unauthorized-Affiliates-U.S. Intercompany Pooling 6,734 XXX 74

1699999 Total Unauthorized - Affiliates - U.S. Non-Pool - Captive XXX

1799999 Total Unauthorized - Affiliates - U.S. Non-Pool - Other XXX

1899999 Total Unauthorized - Affiliates - U.S. Non-Pool XXX

1999999 Total Unauthorized - Affiliates - Other (Non-U.S.) - Captive 12,065 16 16 12,080 12,080 34,065 0.1 XXX

2099999 Total Unauthorized - Affiliates - Other (Non-U.S.) - Other 986,418 2,590 5,027 6,707 9,566 23,890 1,010,308 1,010,308 16,492 299,028 2.4 1.3 0.9 XXX 9,196

2199999 Total Unauthorized - Affiliates - Other (Non-U.S.) 998,482 2,606 5,027 6,707 9,566 23,906 1,022,388 1,022,388 16,492 333,092 2.3 1.2 0.9 XXX 9,196

2299999 Total Unauthorized - Affiliates 998,482 2,606 5,027 6,707 9,566 23,906 1,022,388 1,022,388 23,226 333,092 2.3 1.7 0.9 XXX 9,270

2399999 Total Unauthorized - Other U.S. Unaffiliated Insurers 32,632 1,521 384 413 (156) 2,161 34,793 92 91 34,702 950 77,515 6.2 0.8 (0.4) XXX 369

2499999 Total Unauthorized - Pools - Mandatory Pools 137 137 137 XXX

2599999 Total Unauthorized - Pools - Voluntary Pools 13 13 13 3 170 (0.5) 1.7 (0.5) XXX

2699999 Total Unauthorized - Other Non-U.S. Insurers 123,363 5,686 9,194 1,499 23,856 40,234 163,597 24 12 163,573 28,655 347,900 24.6 5.6 14.6 XXX 4,425

2799999 Total Unauthorized - Protected Cell XXX

2899999 Total Unauthorized Excluding Protected Cells (Sum of 2299999, 2399999, 2499999, 2599999 and 2699999) 1,154,628 9,812 14,605 8,618 33,266 66,301 1,220,929 116 104 1,220,813 52,835 758,677 5.4 2.7 2.7 XXX 14,064

2999999 Total Unauthorized-Affiliates-U.S. Intercompany Pooling XXX

3099999 Total Unauthorized - Affiliates - U.S. Non-Pool - Captive XXX

3199999 Total Unauthorized - Affiliates - U.S. Non-Pool - Other XXX

3299999 Total Unauthorized - Affiliates - U.S. Non-Pool XXX

3399999 Total Unauthorized - Affiliates - Other (Non-U.S.) - Captive XXX

3499999 Total Unauthorized - Affiliates - Other (Non-U.S.) - Other XXX

3599999 Total Unauthorized - Affiliates - Other (Non-U.S.) XXX

3699999 Total Unauthorized - Affiliates XXX

3799999 Total Unauthorized - Other U.S. Unaffiliated Insurers XXX

3899999 Total Unauthorized - Pools - Mandatory Pools XXX

3999999 Total Unauthorized - Pools - Voluntary Pools XXX

4099999 Total Unauthorized - Other Non-U.S. Insurers 37,822 64 78 7 37 186 38,008 38,008 44 39,758 0.5 0.1 0.1 XXX 44

4199999 Total Unauthorized - Protected Cell XXX

4299999 Total Certified Excluding Protected Cells (Sum of 3699999, 3799999, 3899999, 3999999 and 4099999) 37,822 64 78 7 37 186 38,008 38,008 44 39,758 0.5 0.1 0.1 XXX 44

4399999 Total Authorized, Unauthorized and Certified Excluding Protected Cells (Sum of 1499999, 2899999 and 4299999) 1,321,683 20,796 20,271 10,250 49,547 100,863 1,422,546 2,136 1,996 1,420,410 79,991 944,495 7.1 3.4 3.5 XXX 21,948

4499999 Total Protected Cells (Sum of 1399999, 2799999 and 4199999) XXX

9999999 Totals 1,321,683 20,796 20,271 10,250 49,547 100,863 1,422,546 2,136 1,996 1,420,410 79,991 944,495 7.1 3.4 3.5 XXX 21,948

24

Page 18: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE F - PART 3 (Continued)Ceded Reinsurance as of December 31, Current Year ($000 Omitted)

(Provision for Reinsurance for Certified Reinsurers)Provision for Certified Reinsurance

54 55 56 57 58 59 60Percent of

61 62 63 64 65 Complete if Col. 52 = "No"; OtherwiseEnter 0

69

IDNumber

FromCol. 1

Name of ReinsurerFrom Col. 3

Certified Reinsurer

Rating(1 through

6)

Effective Date ofCertified

Reinsurer Rating

Percent Collateral

Required for Full Credit

(0% through 100%)

Catastrophe Recoverables Qualifying for

Collateral Deferral

Net Recoverables

Subject to Collateral

Requirements for Full Credit (Col. 19 - Col.

57)

Dollar Amount of Collateral

Required(Col. 56 * Col.

58)

Collateral Provided for

Net Recoverables

Subject to Collateral

Requirements ([Col. 20 +

Col. 21 + Col. 22 + Col. 24] /

Col. 58)

Percent Credit Allowed on

Net Recoverables

Subject to Collateral

Requirements (Col. 60 / Col.

56, not to exceed 100%)

20% of Recoverable

on Paid Losses & LAE Over 90 Days

Past Due Amounts in

Dispute (Col. 45 * 20%)

Amount of Credit Allowed

for Net Recoverables

(Col. 57 + [Col. 58 * Col.

61])

Provision for Reinsurance with Certified Reinsurers

Due to Collateral Deficiency

(Col. 19 - Col. 63)

20% of Recoverable

on Paid Losses & LAE Over 90 Days

Past Due Amounts Not

in Dispute (Col. 47 *

20%)

66

Total Collateral

Provided (Col. 20 + Col. 21 + Col. 22 + Col.

24 not to Exceed Col.

63)

67

Net Unsecured

Recoverable for Which Credit is

Allowed (Col. 63 - Col. 66)

68

20% of Amount in

Col. 67

Provision for Overdue

Reinsurance Ceded to Certified

Reinsurers (Greater of

[Col. 62 + Col. 65] or Col.68; not to Exceed

Col. 63)0199999 Total Authorized - Affiliates - U.S. Intercompany Pooling XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

0299999 Total Authorized - Affiliates - U.S. Non-Pool - Captive XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

0399999 Total Authorized - Affiliates - U.S. Non-Pool - Other XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

0499999 Total Authorized - Affiliates - U.S. Non-Pool XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

0599999 Total Authorized - Affiliates - Other (Non-U.S.) - Captive XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

0699999 Total Authorized - Affiliates - Other (Non-U.S.) - Other XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

0799999 Total Authorized - Affiliates - Other (Non-U.S.) XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

0899999 Total Authorized - Affiliates XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

0999999 Total Authorized - Other U.S. Unaffiliated Insurers XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

1099999 Total Authorized - Pools - Mandatory Pools XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

1199999 Total Authorized - Pools - Voluntary Pools XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

1299999 Total Authorized - Other Non-U.S. Insurers XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

1399999 Total Authorized - Protected Cell XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

1499999 Total Authorized Excluding Protected Cells (Sum of 0899999, 0999999, 1099999, 1199999 and 1299999) XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

1599999 Total Unauthorized - Affiliates - U.S. Intercompany Pooling XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

1699999 Total Unauthorized - Affiliates - U.S. Non-Pool - Captive XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

1799999 Total Unauthorized - Affiliates - U.S. Non-Pool - Other XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

1899999 Total Unauthorized - Affiliates - U.S. Non-Pool XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

1999999 Total Unauthorized - Affiliates - Other (Non-U.S.) - Captive XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

2099999 Total Unauthorized - Affiliates - Other (Non-U.S.) - Other XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

2199999 Total Unauthorized - Affiliates - Other (Non-U.S.) XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

2299999 Total Unauthorized - Affiliates XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

2399999 Total Unauthorized - Other U.S. Unaffiliated Insurers XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

2499999 Total Unauthorized - Pools - Mandatory Pools XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

2599999 Total Unauthorized - Pools - Voluntary Pools XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

2699999 Total Unauthorized - Other Non-U.S. Insurers XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

2799999 Total Unauthorized - Protected Cell XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

2899999 Total Unauthorized Excluding Protected Cells (Sum of 2299999, 2399999, 2499999, 2599999 and 2699999) XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

2999999 Total Unauthorized - Affiliates - U.S. Intercompany Pooling XXX XXX XXX

3099999 Total Unauthorized - Affiliates - U.S. Non-Pool - Captive XXX XXX XXX

3199999 Total Unauthorized - Affiliates - U.S. Non-Pool - Other XXX XXX XXX

3299999 Total Unauthorized - Affiliates - U.S. Non-Pool XXX XXX XXX

3399999 Total Unauthorized - Affiliates - Other (Non-U.S.) - Captive XXX XXX XXX

3499999 Total Unauthorized - Affiliates - Other (Non-U.S.) - Other XXX XXX XXX

3599999 Total Unauthorized - Affiliates - Other (Non-U.S.) XXX XXX XXX

3699999 Total Unauthorized - Affiliates XXX XXX XXX

3799999 Total Unauthorized - Other U.S. Unaffiliated Insurers XXX XXX XXX

3899999 Total Unauthorized - Pools - Mandatory Pools XXX XXX XXX

3999999 Total Unauthorized - Pools - Voluntary Pools XXX XXX XXX

4099999 Total Unauthorized - Other Non-U.S. Insurers XXX 586,326 65,838 XXX XXX 588,224 9 9

4199999 Total Unauthorized - Protected Cell XXX XXX XXX

4299999 Total Certified Excluding Protected Cells (Sum of 3699999, 3799999, 3899999, 3999999 and 4099999) XXX 586,326 65,838 XXX XXX 588,224 9 9

4399999 Total Authorized, Unauthorized and Certified Excluding Protected Cells (Sum of 1499999, 2899999 and 4299999) XXX 586,326 65,838 XXX XXX 588,224 9 9

4499999 Total Protected Cells (Sum of 1399999, 2799999 and 4199999) XXX XXX XXX

9999999 Totals XXX 586,326 65,838 XXX XXX 588,224 9 9

25

Page 19: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE F - PART 3 (Continued)Ceded Reinsurance as of December 31, Current Year ($000 Omitted)

(Total Provision for Reinsurance)70 Provision for Unauthorized Reinsurance Provision for Overdue Authorized Reinsurance Total Provision for Reinsurance

IDNumber

FromCol. 1

Name of ReinsurerFrom Col. 3

20% of Recoverable on Paid Losses & LAE Over90 Days past Due Amounts Not in

Dispute(Col. 47 * 20%)

71

Provision for Reinsurance with

Unauthorized Reinsurers Due to

Collateral Deficiency (Col. 26)

72

Provision for Overdue Reinsurance from

Unauthorized Reinsurers and

Amounts in Dispute(Col. 70 + 20% of the

Amount in Col. 16)

73Complete if

Col. 52 = "Yes"; Otherwise Enter 0

20% of Recoverableon Paid Losses &LAE Over 90 Days Past Due Amounts

Not in Dispute + 20%of Amounts in

Dispute([Col. 47 * 20%] +[Col. 45 * 20%])

74Complete if

Col. 52 = "No"; Otherwise Enter 0

Greater of 20% of Net Recoverable Net of

Funds Held & Collateral, or 20% of Recoverable on Paid

Losses & LAE Over 90 Days Past Due

(Greater of Col. 26 * 20% or

Cols. [40 + 41] * 20%)

75

Provision for Amounts Ceded to Authorized

Reinsurers(Cols. 73 + 74)

76

Provision for Amounts Ceded to Unauthorized

Reinsurers(Cols. 71 + 72 Not in Excess of Col. 15)

77

Provision for Amounts Ceded to Certified

Reinsurers(Cols. 64 + 69)

78

Total Provision for Reinsurance

(Cols. 75 + 76 + 77)0199999 Total Authorized - Affiliates - U.S. Intercompany Pooling 1,277 XXX XXX 2,981 (2,980) 1 XXX XXX

0299999 Total Authorized - Affiliates - U.S. Non-Pool - Captive XXX XXX XXX XXX

0399999 Total Authorized - Affiliates - U.S. Non-Pool - Other 51 XXX XXX 51 51 XXX XXX 51

0499999 Total Authorized - Affiliates - U.S. Non-Pool 51 XXX XXX 51 51 XXX XXX 51

0599999 Total Authorized - Affiliates - Other (Non-U.S.) - Captive XXX XXX XXX XXX

0699999 Total Authorized - Affiliates - Other (Non-U.S.) - Other XXX XXX XXX XXX

0799999 Total Authorized - Affiliates - Other (Non-U.S.) XXX XXX XXX XXX

0899999 Total Authorized - Affiliates 1,328 XXX XXX 2,981 (2,930) 51 XXX XXX 51

0999999 Total Authorized - Other U.S. Unaffiliated Insurers 1,783 XXX XXX 893 28,841 29,734 XXX XXX 29,734

1099999 Total Authorized - Pools - Mandatory Pools XXX XXX XXX XXX

1199999 Total Authorized - Pools - Voluntary Pools 151 XXX XXX 1,573 1,573 XXX XXX 1,573

1299999 Total Authorized - Other Non-U.S. Insurers 1,657 XXX XXX 382 1,275 1,657 XXX XXX 1,657

1399999 Total Authorized - Protected Cell XXX XXX XXX XXX

1499999 Total Authorized Excluding Protected Cells (Sum of 0899999, 0999999, 1099999, 1199999 and 1299999) 4,919 XXX XXX 4,256 28,760 33,017 XXX XXX 33,016

1599999 Total Unauthorized - Affiliates - U.S. Intercompany Pooling (403) 981 (403) XXX XXX XXX XXX

1699999 Total Unauthorized - Affiliates - U.S. Non-Pool - Captive XXX XXX XXX XXX

1799999 Total Unauthorized - Affiliates - U.S. Non-Pool - Other XXX XXX XXX XXX

1899999 Total Unauthorized - Affiliates - U.S. Non-Pool XXX XXX XXX XXX

1999999 Total Unauthorized - Affiliates - Other (Non-U.S.) - Captive XXX XXX XXX XXX

2099999 Total Unauthorized - Affiliates - Other (Non-U.S.) - Other 3,298 3,298 XXX XXX XXX 3,298 XXX 3,298

2199999 Total Unauthorized - Affiliates - Other (Non-U.S.) 3,298 3,298 XXX XXX XXX 3,298 XXX 3,298

2299999 Total Unauthorized - Affiliates 2,896 981 2,896 XXX XXX XXX 3,298 XXX 3,298

2399999 Total Unauthorized - Other U.S. Unaffiliated Insurers 190 23,760 208 XXX XXX XXX 23,565 XXX 23,565

2499999 Total Unauthorized - Pools - Mandatory Pools 74 XXX XXX XXX 74 XXX 74

2599999 Total Unauthorized - Pools - Voluntary Pools 1 2,384 1 XXX XXX XXX 2,384 XXX 2,384

2699999 Total Unauthorized - Other Non-U.S. Insurers 5,731 150,087 5,736 XXX XXX XXX 151,453 XXX 151,453

2799999 Total Unauthorized - Protected Cell XXX XXX XXX XXX

2899999 Total Unauthorized Excluding Protected Cells (Sum of 2299999, 2399999, 2499999, 2599999 and 2699999) 8,817 177,287 8,841 XXX XXX XXX 180,774 XXX 180,774

2999999 Total Unauthorized - Affiliates - U.S. Intercompany Pooling XXX XXX XXX XXX XXX XXX XXX

3099999 Total Unauthorized - Affiliates - U.S. Non-Pool - Captive XXX XXX XXX XXX XXX XXX XXX

3199999 Total Unauthorized - Affiliates - U.S. Non-Pool - Other XXX XXX XXX XXX XXX XXX XXX

3299999 Total Unauthorized - Affiliates - U.S. Non-Pool XXX XXX XXX XXX XXX XXX XXX

3399999 Total Unauthorized - Affiliates - Other (Non-U.S.) - Captive XXX XXX XXX XXX XXX XXX XXX

3499999 Total Unauthorized - Affiliates - Other (Non-U.S.) - Other XXX XXX XXX XXX XXX XXX XXX

3599999 Total Unauthorized - Affiliates - Other (Non-U.S.) XXX XXX XXX XXX XXX XXX XXX

3699999 Total Unauthorized - Affiliates XXX XXX XXX XXX XXX XXX XXX

3799999 Total Unauthorized - Other U.S. Unaffiliated Insurers XXX XXX XXX XXX XXX XXX XXX

3899999 Total Unauthorized - Pools - Mandatory Pools XXX XXX XXX XXX XXX XXX XXX

3999999 Total Unauthorized - Pools - Voluntary Pools XXX XXX XXX XXX XXX XXX XXX

4099999 Total Unauthorized - Other Non-U.S. Insurers XXX XXX XXX XXX XXX XXX XXX 9 9

4199999 Total Unauthorized - Protected Cell XXX XXX XXX XXX XXX XXX XXX

4299999 Total Certified Excluding Protected Cells (Sum of 3699999, 3799999, 3899999, 3999999 and 4099999) XXX XXX XXX XXX XXX XXX XXX 9 9

4399999 Total Authorized, Unauthorized and Certified Excluding Protected Cells (Sum of 1499999, 2899999 and 4299999) 13,737 177,287 8,841 4,256 28,760 33,017 180,774 9 213,800

4499999 Total Protected Cells (Sum of 1399999, 2799999 and 4199999)

9999999 Totals 13,737 177,287 8,841 4,256 28,760 33,017 180,774 9 213,800

26

Page 20: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE H - ACCIDENT AND HEALTH EXHIBITCredit Other Individual Contracts

TotalGroup Accident

and HealthAccident and Health

(Group and Individual) Collectively Renewable Non-Cancelable Guaranteed RenewableNon-Renewable for Stated

Reasons Only Other Accident Only All Other1

Amount2%

3Amount

4%

5Amount

6%

7Amount

8%

9Amount

10%

11Amount

12%

13Amount

14%

15Amount

16%

17Amount

18%

PART 1. - ANALYSIS OF UNDERWRITING OPERATIONS

1. Premiums written 160,231,084 XXX 160,231,088 XXX XXX XXX XXX (4) XXX XXX XXX XXX

2. Premiums earned 164,297,498 XXX 164,297,494 XXX XXX XXX XXX 4 XXX XXX XXX XXX

3. Incurred claims

91,219,690 55.5 91,143,505 55.5 76,185

1,767,633

.4

4. Cost containment expenses 2,030,888 1.2 2,030,888 1.2

5. Incurred claims and cost containment expenses (Lines 3 and 4)

93,250,578 56.8 93,174,393 56.7 76,185

1,767,633

.4

6. Increase in contract reserves

7. Commissions (a) 24,239,355 14.8 24,239,356 14.8 (1) (23.9)

8. Other general insurance expenses 29,453,441 17.9 29,453,441 17.9

9. Taxes, licenses and fees 3,911,246 2.4 3,911,246 2.4

10. Total other expenses incurred 57,604,042 35.1 57,604,043 35.1 (1) (23.9)

11. Aggregate write-ins for deductions

12. Gain from underwriting before dividends or refunds

13,442,878 8.2 13,519,058 8.2 (76,180)

(1,767,50

9.5)

13. Dividends or refunds

14. Gain from underwriting after dividends or refunds

13,442,878 8.2 13,519,058 8.2 (76,180)

(1,767,50

9.5)

DETAILS OF WRITE-INS

1199. Totals (Lines 1101 thru 1103 plus 1198)(Line 11 above)

(a) Includes $ reported as "Contract, membership and other fees retained by agents.”

30

Page 21: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE H - ACCIDENT AND HEALTH EXHIBIT (Continued)1 2 3 4 Other Individual Contracts

TotalGroup Accident

and Health

CreditAccident and Health

(Group andIndividual)

Collectively Renewable

5

Non-Cancelable

6

Guaranteed Renewable

7Non-Renewable

for StatedReasons Only

8

Other AccidentOnly

9

All Other

PART 2. - RESERVES AND LIABILITIESA. Premium Reserves:

1. Unearned premiums 19,076,377 19,076,079 298

2. Advance premiums

3. Reserve for rate credits

4. Total premium reserves, current year 19,076,377 19,076,079 298

5. Total premium reserves, prior year 22,727,934 22,727,628 306

6. Increase in total premium reserves (3,651,558) (3,651,550) (8)

B. Contract Reserves:

1. Additional reserves (a)

2. Reserve for future contingent benefits

3. Total contract reserves, current year

4. Total contract reserves, prior year.

5. Increase in contract reserves

C. Claim Reserves and Liabilities:

1. Total current year 75,042,425 75,042,425

2. Total prior year 81,900,682 81,976,867 (76,185)

3. Increase (6,858,258) (6,934,443) 76,185

PART 3. - TEST OF PRIOR YEAR'S CLAIM RESERVES AND LIABILITIES1. Claims paid during the year:

1.1 On claims incurred prior to current year 52,555,006 52,555,006

1.2 On claims incurred during current year 45,522,942 45,522,942

2. Claim reserves and liabilities, December 31, current year:

2.1 On claims incurred prior to current year 24,489,324 24,489,324

2.2 On claims incurred during current year 50,553,100 50,553,100

3. Test:

3.1 Line 1.1 and 2.1 77,044,330 77,044,330

3.2 Claim reserves and liabilities, December 31, prior year 81,900,682 81,976,867 (76,185)

3.3 Line 3.1 minus Line 3.2 (4,856,352) (4,932,537) 76,185

PART 4. - REINSURANCEA. Reinsurance Assumed:

1. Premiums written 132,241,769 132,241,769

2. Premiums earned 133,644,686 133,644,686

3. Incurred claims 96,454,239 96,454,239

4. Commissions 29,377,165 29,377,165

B. Reinsurance Ceded:

1. Premiums written 207,766,193 207,766,189 4

2. Premiums earned 207,653,994 207,653,989 4

3. Incurred claims 114,580,997 114,504,812 76,185

4. Commissions 47,373,626 47,373,625 1

(a) Includes $ premium deficiency reserve.

31

Page 22: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - ANALYSIS OF LOSSES AND LOSS EXPENSESSCHEDULE P - PART 1 - SUMMARY

($000 OMITTED)Premiums Earned Loss and Loss Expense Payments 12

Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims Reported Direct and Assumed

1. Prior XXX XXX XXX 539,972 279,460 132,148 47,167 15,358 1,224 20,419 359,628 XXX

2. 2009 14,100,454 9,129,056 4,971,398 6,916,619 4,297,979 770,745 476,617 364,804 29 221,488 3,277,542 XXX

3. 2010 12,651,971 8,077,827 4,574,145 6,544,710 4,026,477 781,105 484,157 364,587 20 168,329 3,179,748 XXX

4. 2011 13,836,529 9,068,812 4,767,717 8,691,370 5,748,840 741,964 469,066 345,224 4,050 199,296 3,556,603 XXX

5. 2012 14,043,312 9,257,773 4,785,539 9,493,534 6,644,635 720,295 475,606 332,516 5,502 152,815 3,420,602 XXX

6. 2013 14,528,140 9,440,924 5,087,216 7,979,940 5,272,958 685,777 442,968 346,476 5,042 174,104 3,291,224 XXX

7. 2014 14,007,867 9,010,314 4,997,554 6,969,682 4,534,382 545,422 356,513 343,541 4,649 138,348 2,963,100 XXX

8. 2015 14,310,610 9,194,024 5,116,586 6,010,973 3,827,324 542,181 370,408 314,634 461 101,921 2,669,595 XXX

9. 2016 13,551,010 9,114,327 4,436,683 4,955,293 3,300,203 404,326 281,238 368,171 1,166 125,914 2,145,183 XXX

10. 2017 13,420,171 8,797,868 4,622,303 5,156,509 3,504,258 285,991 207,985 289,430 8,066 92,937 2,011,622 XXX

11. 2018 13,306,211 8,907,031 4,399,180 2,770,137 1,810,809 103,112 76,900 203,163 22,015 24,025 1,166,689 XXX

12. Totals XXX XXX XXX 66,028,739 43,247,326 5,713,067 3,688,625 3,287,904 52,224 1,419,596 28,041,536 XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and Other 23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior 2,632,013 1,014,443 2,111,281 842,462 298,160 102,612 617,255 243,591 141,855 1,134 3,596,323 XXX

2. 2009 330,951 174,988 286,789 155,115 23,108 13,531 93,087 51,177 16,656 153 11,412 355,626 XXX

3. 2010 328,823 180,119 374,815 204,085 29,088 17,554 117,584 65,719 19,690 304 21,435 402,218 XXX

4. 2011 407,366 223,344 403,213 225,389 36,492 20,075 138,299 79,918 22,375 633 33,375 458,387 XXX

5. 2012 455,898 274,652 466,586 263,420 37,786 23,222 163,078 94,324 24,793 1,069 36,452 491,454 XXX

6. 2013 583,399 337,337 586,867 329,007 65,310 36,638 214,872 125,190 26,016 7,089 28,720 641,202 XXX

7. 2014 751,815 435,531 824,686 462,246 62,517 35,759 292,881 171,245 36,462 2,351 53,647 861,229 XXX

8. 2015 915,639 556,363 1,211,403 685,882 106,614 67,021 443,473 259,087 51,629 2,713 52,031 1,157,693 XXX

9. 2016 1,215,355 754,159 1,641,721 982,483 123,864 80,103 610,943 369,254 65,938 3,532 61,975 1,468,290 XXX

10. 2017 2,181,054 1,702,483 2,694,515 1,708,613 142,527 94,579 759,112 479,477 94,916 6,115 94,911 1,880,857 XXX

11. 2018 1,932,842 1,295,129 4,082,916 2,683,022 134,937 89,840 851,026 581,166 193,765 9,696 125,093 2,536,632 XXX

12. Totals 11,735,156 6,948,549 14,684,792 8,541,725 1,060,402 580,934 4,301,610 2,520,146 694,094 34,790 519,051 13,849,911 XXX

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX 2,886,390 709,933

2. 2009 8,802,758 5,169,590 3,633,169 62.4 56.6 73.1 100.0 287,636 67,990

3. 2010 8,560,403 4,978,437 3,581,966 67.7 61.6 78.3 100.0 319,434 82,784

4. 2011 10,786,305 6,771,315 4,014,990 78.0 74.7 84.2 100.0 361,846 96,541

5. 2012 11,694,486 7,782,430 3,912,057 83.3 84.1 81.7 100.0 384,413 107,041

6. 2013 10,488,656 6,556,230 3,932,426 72.2 69.4 77.3 100.0 503,922 137,280

7. 2014 9,827,005 6,002,676 3,824,329 70.2 66.6 76.5 100.0 678,724 182,505

8. 2015 9,596,546 5,769,258 3,827,287 67.1 62.8 74.8 100.0 884,797 272,896

9. 2016 9,385,611 5,772,138 3,613,473 69.3 63.3 81.4 100.0 1,120,434 347,856

10. 2017 11,604,054 7,711,575 3,892,479 86.5 87.7 84.2 100.0 1,464,473 416,384

11. 2018 10,271,899 6,568,578 3,703,321 77.2 73.7 84.2 100.0 2,037,607 499,026

12. Totals XXX XXX XXX XXX XXX XXX XXX 10,929,675 2,920,237

Note: Parts 2 and 4 are gross of all discounting, including tabular discounting. Part 1 is gross of only nontabular discounting, which is reported in Columns 32 and 33 of Part 1. The tabular discount, if any, is reported in the Notes to Financial Statements which will reconcile Part 1 with Parts 2 and 4.

33

Page 23: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 2 - SUMMARYYears in INCURRED NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END ($000 OMITTED) DEVELOPMENT

Which Losses Were Incurred

12009

22010

32011

42012

52013

62014

72015

82016

92017

102018

11One Year

12Two Year

1. Prior 11,232,609 11,163,104 11,035,465 11,064,748 11,079,797 11,154,325 11,140,333 11,121,105 11,149,513 11,154,870 5,356 33,764

2. 2009 3,533,772 3,364,461 3,265,822 3,309,712 3,307,364 3,293,199 3,299,984 3,290,664 3,273,400 3,275,088 1,688 (15,576)

3. 2010 XXX 3,358,528 3,288,958 3,239,550 3,228,096 3,251,298 3,274,117 3,248,177 3,236,027 3,215,163 (20,864) (33,013)

4. 2011 XXX XXX 3,696,655 3,637,791 3,615,347 3,651,500 3,649,054 3,684,013 3,664,814 3,672,962 8,147 (11,051)

5. 2012 XXX XXX XXX 3,687,715 3,598,392 3,594,403 3,587,540 3,600,974 3,618,049 3,583,259 (34,790) (17,715)

6. 2013 XXX XXX XXX XXX 3,620,392 3,528,205 3,592,326 3,611,292 3,648,765 3,607,777 (40,987) (3,514)

7. 2014 XXX XXX XXX XXX XXX 3,545,261 3,553,623 3,558,306 3,480,820 3,479,946 (874) (78,360)

8. 2015 XXX XXX XXX XXX XXX XXX 3,726,002 3,563,217 3,504,856 3,489,219 (15,637) (73,998)

9. 2016 XXX XXX XXX XXX XXX XXX XXX 3,250,746 3,235,705 3,210,776 (24,929) (39,970)

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 3,582,914 3,557,136 (25,779) XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 3,363,011 XXX XXX

12. Totals (148,667) (239,433)

SCHEDULE P - PART 3 - SUMMARYCUMULATIVE PAID NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END

($000 OMITTED)11

Number of12

Number ofYears inWhichLossesWere

Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

ClaimsClosedWithLoss

Payment

ClaimsClosedWithout

LossPayment

1. Prior 000 1,804,690 3,048,009 4,190,172 5,041,394 5,758,703 6,345,324 6,783,318 7,202,411 7,547,905 XXX XXX

2. 2009 512,399 1,218,791 1,572,705 1,959,534 2,244,805 2,409,794 2,518,872 2,584,078 2,639,079 2,912,767 XXX XXX

3. 2010 XXX 537,821 1,249,989 1,640,662 1,985,232 2,207,637 2,376,782 2,486,132 2,565,346 2,815,181 XXX XXX

4. 2011 XXX XXX 618,592 1,464,462 1,886,900 2,213,895 2,496,174 2,634,999 2,760,522 3,215,429 XXX XXX

5. 2012 XXX XXX XXX 621,040 1,567,624 1,919,829 2,221,488 2,424,918 2,610,160 3,093,589 XXX XXX

6. 2013 XXX XXX XXX XXX 564,325 1,351,372 1,792,464 2,101,212 2,345,910 2,949,790 XXX XXX

7. 2014 XXX XXX XXX XXX XXX 584,833 1,323,010 1,710,881 1,996,232 2,624,208 XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX 625,749 1,348,954 1,716,002 2,355,422 XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX 606,027 1,382,639 1,778,178 XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 981,175 1,730,257 XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 985,541 XXX XXX

SCHEDULE P - PART 4 - SUMMARYBULK AND IBNR RESERVES ON NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END ($000 OMITTED)

Years inWhichLossesWere

Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 6,493,200 5,181,809 4,229,510 3,487,222 2,925,144 2,571,565 2,240,350 2,056,876 1,869,075 1,696,918

2. 2009 2,278,418 1,418,118 965,661 694,571 526,565 397,985 324,227 262,500 215,588 183,242

3. 2010 XXX 2,098,356 1,351,881 926,823 644,036 484,267 401,700 316,756 265,081 228,618

4. 2011 XXX XXX 2,140,814 1,278,524 836,740 574,409 422,192 346,534 286,480 243,928

5. 2012 XXX XXX XXX 2,048,268 1,131,141 795,019 562,384 419,123 350,310 280,129

6. 2013 XXX XXX XXX XXX 2,053,611 1,158,171 825,308 602,745 484,616 361,305

7. 2014 XXX XXX XXX XXX XXX 2,019,599 1,300,427 966,691 667,351 497,513

8. 2015 XXX XXX XXX XXX XXX XXX 2,199,835 1,424,173 996,183 721,780

9. 2016 XXX XXX XXX XXX XXX XXX XXX 2,032,301 1,283,606 913,408

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 1,895,757 1,283,759

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 1,684,800

34

Page 24: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1A - HOMEOWNERS/FARMOWNERS($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX 5 2 1 3 XXX

2. 2009 102,440 51,844 50,596 56,800 28,760 8,209 4,159 562 231 32,651 121

3. 2010 116,742 89,654 27,088 41,039 30,923 6,793 5,036 2 66 11,874 203

4. 2011 106,440 94,118 12,322 45,998 40,123 8,437 7,388 24 29 6,947 24

5. 2012 109,415 95,270 14,144 45,876 38,803 7,170 6,036 21 8,229 1

6. 2013 111,889 91,638 20,252 39,885 32,477 4,945 5,097 2,161 9,417 1

7. 2014 74,446 62,455 11,992 43,054 35,634 3,620 3,000 230 8,269

8. 2015 19,097 14,457 4,641 6,880 5,410 637 432 143 1,819

9. 2016 4,763 2,469 2,295 2,514 1,318 266 135 132 1,459

10. 2017 4,850 2,537 2,313 1,514 778 204 106 48 882

11. 2018 4,596 2,418 2,178 1,294 659 98 53 8 689 4

12. Totals XXX XXX XXX 284,858 214,886 40,379 31,443 3,331 327 82,239 XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior 2 2 (35) 35

2. 2009 52 26 26

3. 2010 10 5 5

4. 2011 14 7 7

5. 2012 23 29 (6)

6. 2013 222 188 34

7. 2014 131 97 35

8. 2015 194 115 79

9. 2016 113 57 1 1 57

10. 2017 369 185 40 24 201

11. 2018 620 323 198 104 391

12. Totals 1,750 1,033 239 94 863

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX 35

2. 2009 65,622 32,945 32,677 64.1 63.5 64.6 100.0 26

3. 2010 47,844 35,964 11,879 41.0 40.1 43.9 100.0 5

4. 2011 54,472 47,518 6,954 51.2 50.5 56.4 100.0 7

5. 2012 53,091 44,868 8,223 48.5 47.1 58.1 100.0 (6)

6. 2013 47,213 37,762 9,450 42.2 41.2 46.7 100.0 34

7. 2014 47,035 38,730 8,304 63.2 62.0 69.2 100.0 35

8. 2015 7,854 5,957 1,898 41.1 41.2 40.9 100.0 79

9. 2016 3,026 1,510 1,516 63.5 61.2 66.1 100.0 57

10. 2017 2,175 1,092 1,083 44.9 43.1 46.8 100.0 201

11. 2018 2,219 1,139 1,080 48.3 47.1 49.6 100.0 391

12. Totals XXX XXX XXX XXX XXX XXX XXX 863

35

Page 25: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1B - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX 268 (127) (17) (10) (2) (2) 385 XXX

2. 2009 53 179 (126) 1,366 630 255 142 21 144 869 2

3. 2010 18 8 11 1,183 600 98 54 3 9 631 1

4. 2011 3 5 (1) 1,111 561 73 40 11 1 595

5. 2012 (2) (2) 106 53 (12) (9) (6) (1) 44

6. 2013 942 471 (3) (1) 3 (2) 472 1

7. 2014 56 28 4 3 3 (1) 31

8. 2015 132 66 1 (598) (530)

9. 2016 (1) (1) (1) (60) (25) 31 17 602 582 1

10. 2017 2 1 1 (12) 38 36 19 32 1 (2) 10

11. 2018 7 4 4 15 9 1 1 1 7

12. Totals XXX XXX XXX 5,107 2,305 467 256 70 1 147 3,084 XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior 1,534 1 1 (11) 14 59 1,619 2

2. 2009

3. 2010

4. 2011

5. 2012

6. 2013

7. 2014

8. 2015 (75) (75) (6) (6) (8) (8) (3) (2)

9. 2016 (5) (5)

10. 2017 (204) (206) (8) (7) (2) (2) (2) (2)

11. 2018 28 14 1 15

12. Totals 1,284 (265) (13) (24) (14) (4) (4) 60 1,633 2

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX 1,545 73

2. 2009 1,641 772 869 3,091.9 431.3 (690.5) 100.0

3. 2010 1,285 654 631 7,036.7 8,479.4 5,981.8 100.0

4. 2011 1,196 601 595 34,355.1 13,017.6 (52,342.4) 100.0

5. 2012 89 44 44 (3,952.4) (2,209.1) (18,739.7) 100.0

6. 2013 941 470 472 (220,458.5) (105,554.8) 2,620,216.6 100.0

7. 2014 63 31 31 (369,450.1) (368,520.6) (370,379.5) 100.0

8. 2015 (556) (25) (530) 27,779,594.5 1,261,579.5 100.0

9. 2016 568 (14) 582 (50,091.6) 2,398.9 (102,582.2) 100.0

10. 2017 (160) (158) (2) (7,526.3) (14,859.2) (193.4) 100.0

11. 2018 46 24 21 636.6 677.9 595.3 100.0 14

12. Totals XXX XXX XXX XXX XXX XXX XXX 1,559 74

36

Page 26: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX 4,786 3,141 1,095 572 282 85 1,392 2,365 XXX

2. 2009 1,116,072 717,101 398,971 518,809 306,561 73,809 43,631 54,208 10,607 296,634 77,787

3. 2010 1,059,925 678,501 381,424 617,707 372,891 83,011 49,439 50,510 9,921 328,898 83,296

4. 2011 1,020,271 664,772 355,499 541,059 322,136 73,301 43,114 44,029 8,433 293,140 73,080

5. 2012 1,014,536 666,453 348,083 551,877 335,091 73,639 47,459 54,411 6,409 297,376 66,397

6. 2013 1,011,739 659,375 352,364 547,019 333,248 74,591 44,667 50,464 3 5,646 294,157 68,523

7. 2014 1,029,030 677,728 351,302 516,486 314,809 68,775 42,036 54,027 13 5,880 282,430 70,360

8. 2015 1,147,267 753,212 394,055 560,873 348,927 74,138 47,067 59,326 75 5,393 298,268 79,227

9. 2016 1,254,241 876,808 377,433 472,617 329,426 49,656 35,640 64,081 102 5,559 221,187 84,170

10. 2017 1,315,412 964,406 351,006 317,330 233,073 21,441 15,547 49,803 427 5,971 139,527 94,085

11. 2018 1,228,439 896,842 331,597 102,873 71,911 6,025 4,496 28,804 287 2,738 61,008 75,413

12. Totals XXX XXX XXX 4,751,436 2,971,213 599,480 373,668 509,945 991 67,948 2,514,989 XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior 26,013 20,741 979 (821) 3,488 1,444 433 53 681 129 10,047 233

2. 2009 3,037 1,731 56 23 349 175 27 11 100 17 1,611 174

3. 2010 11,367 9,882 1,313 706 710 369 649 349 505 40 3,199 241

4. 2011 8,391 6,370 2,449 1,283 864 452 1,211 634 303 46 4,433 232

5. 2012 12,631 9,459 6,054 3,406 1,442 756 2,994 1,685 683 91 8,408 368

6. 2013 25,418 15,497 8,697 4,363 2,621 1,409 4,299 2,157 1,163 116 399 18,658 484

7. 2014 47,651 30,602 24,922 13,626 5,514 3,243 10,304 5,729 2,321 190 402 37,322 852

8. 2015 126,857 83,520 61,703 37,876 12,996 7,796 24,906 15,595 4,684 272 977 86,087 1,897

9. 2016 192,121 135,844 166,532 110,461 19,226 12,765 50,208 33,319 8,554 373 1,506 143,879 4,328

10. 2017 247,494 185,038 372,367 273,971 18,248 12,946 83,826 62,106 14,909 801 2,207 201,985 9,502

11. 2018 166,087 113,250 601,621 457,532 10,769 6,996 88,927 69,764 25,652 1,277 2,654 244,237 21,620

12. Totals 867,067 611,933 1,246,693 902,426 76,227 48,349 267,785 191,401 59,555 3,351 8,145 759,867 39,931

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX 7,072 2,976

2. 2009 650,394 352,149 298,245 58.3 49.1 74.8 100.0 1,339 273

3. 2010 765,773 433,675 332,097 72.2 63.9 87.1 100.0 2,092 1,107

4. 2011 671,607 374,035 297,573 65.8 56.3 83.7 100.0 3,187 1,246

5. 2012 703,731 397,946 305,785 69.4 59.7 87.8 100.0 5,820 2,589

6. 2013 714,273 401,458 312,815 70.6 60.9 88.8 100.0 14,255 4,403

7. 2014 730,001 410,249 319,752 70.9 60.5 91.0 100.0 28,345 8,977

8. 2015 925,483 541,128 384,355 80.7 71.8 97.5 100.0 67,164 18,923

9. 2016 1,022,996 657,930 365,066 81.6 75.0 96.7 100.0 112,348 31,531

10. 2017 1,125,419 783,907 341,512 85.6 81.3 97.3 100.0 160,853 41,132

11. 2018 1,030,757 725,512 305,245 83.9 80.9 92.1 100.0 196,926 47,311

12. Totals XXX XXX XXX XXX XXX XXX XXX 599,400 160,466

37

Page 27: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1D - WORKERS' COMPENSATION(EXCLUDING EXCESS WORKERS’ COMPENSATION)

($000 OMITTED)Premiums Earned Loss and Loss Expense Payments 12

Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX 173,928 65,670 31,969 12,791 6,876 578 5,763 133,734 XXX

2. 2009 2,254,992 1,310,238 944,754 1,218,990 740,355 196,166 121,404 93,199 2 50,802 646,596 248,233

3. 2010 2,127,051 1,248,577 878,474 1,202,695 738,801 209,523 132,139 107,496 22 54,045 648,752 251,229

4. 2011 2,358,985 1,407,878 951,107 1,295,334 799,514 221,245 140,487 102,699 5 59,512 679,272 243,598

5. 2012 2,448,456 1,496,241 952,215 1,151,115 738,829 208,662 136,869 104,697 1 42,935 588,775 218,988

6. 2013 2,622,507 1,662,446 960,060 1,147,643 746,338 209,312 139,188 135,409 713 37,369 606,126 216,939

7. 2014 2,634,274 1,645,335 988,939 930,073 631,118 179,261 122,536 97,381 17 26,299 453,044 223,079

8. 2015 2,892,418 1,840,372 1,052,047 922,003 645,539 182,889 128,919 76,242 57 20,696 406,618 234,625

9. 2016 2,910,495 1,909,182 1,001,314 849,652 616,154 164,336 119,282 93,458 392 8,650 371,617 235,313

10. 2017 2,939,011 1,959,738 979,272 675,223 493,477 124,350 90,408 54,938 3,663 3,812 266,962 230,220

11. 2018 2,834,987 1,920,656 914,331 291,553 216,921 50,920 36,124 52,189 15,429 1,332 126,189 203,816

12. Totals XXX XXX XXX 9,858,208 6,432,718 1,778,634 1,180,145 924,584 20,879 311,214 4,927,685 XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior 1,853,242 706,248 1,333,024 541,451 53,523 26,468 256,093 103,472 76,719 522 2,194,440 11,202

2. 2009 200,279 105,938 180,588 95,771 7,176 3,853 38,534 20,373 10,231 80 10,417 210,793 1,462

3. 2010 180,533 96,935 209,899 112,211 7,752 4,175 42,513 22,803 10,720 162 17,977 215,132 1,694

4. 2011 228,621 123,074 214,872 117,767 9,802 5,449 44,677 24,510 11,640 445 27,768 238,368 1,979

5. 2012 206,399 113,798 237,511 130,279 8,614 5,165 49,365 27,130 11,633 770 27,855 236,380 2,133

6. 2013 256,183 143,832 292,473 160,892 10,265 6,299 64,648 35,435 8,447 6,676 14,510 278,882 2,762

7. 2014 217,311 124,890 360,630 196,654 11,574 7,123 73,786 40,354 11,325 1,719 16,171 303,886 3,845

8. 2015 253,069 147,419 495,547 273,298 16,381 10,779 96,388 53,607 13,524 1,791 22,494 388,014 6,469

9. 2016 339,875 202,984 603,109 348,107 25,597 17,778 118,686 69,218 15,219 2,293 27,247 462,107 10,772

10. 2017 346,213 218,490 846,700 502,984 34,657 25,556 150,783 91,709 23,698 3,509 31,728 559,803 19,447

11. 2018 397,057 262,725 1,155,140 752,640 41,360 31,796 180,172 119,828 67,565 5,494 32,737 668,810 60,573

12. Totals 4,478,781 2,246,333 5,929,491 3,232,054 226,700 144,439 1,115,646 608,439 260,721 23,460 228,904 5,756,614 122,338

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX 1,938,567 255,873

2. 2009 1,945,163 1,087,775 857,388 86.3 83.0 90.8 100.0 179,158 31,635

3. 2010 1,971,131 1,107,246 863,884 92.7 88.7 98.3 100.0 181,286 33,846

4. 2011 2,128,890 1,211,250 917,640 90.2 86.0 96.5 100.0 202,653 35,715

5. 2012 1,977,996 1,152,841 825,156 80.8 77.0 86.7 100.0 199,834 36,547

6. 2013 2,124,380 1,239,372 885,008 81.0 74.6 92.2 100.0 243,932 34,950

7. 2014 1,881,340 1,124,410 756,930 71.4 68.3 76.5 100.0 256,397 47,489

8. 2015 2,056,042 1,261,410 794,632 71.1 68.5 75.5 100.0 327,897 60,117

9. 2016 2,209,934 1,376,209 833,725 75.9 72.1 83.3 100.0 391,893 70,214

10. 2017 2,256,561 1,429,796 826,765 76.8 73.0 84.4 100.0 471,439 88,364

11. 2018 2,235,955 1,440,957 794,998 78.9 75.0 86.9 100.0 536,830 131,979

12. Totals XXX XXX XXX XXX XXX XXX XXX 4,929,885 826,729

38

Page 28: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1E - COMMERCIAL MULTIPLE PERIL($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX 13,641 3,773 7,044 2,219 2,973 1 813 17,666 XXX

2. 2009 1,284,591 886,324 398,267 372,018 272,395 65,546 43,353 19,649 3,818 141,466 30,888

3. 2010 1,053,060 755,583 297,477 398,440 285,185 54,024 37,414 16,041 5,764 145,906 28,415

4. 2011 1,065,263 768,078 297,185 609,768 449,817 69,022 49,346 20,322 8,391 199,949 32,960

5. 2012 1,161,182 836,813 324,369 777,802 578,580 65,768 46,543 24,615 (1) 5,850 243,062 31,567

6. 2013 1,171,423 801,011 370,412 493,166 327,159 57,460 38,286 21,141 1 7,587 206,322 24,949

7. 2014 929,594 566,366 363,229 443,848 253,782 41,122 26,139 26,016 11,091 231,064 20,266

8. 2015 808,325 447,989 360,336 328,814 166,236 30,860 18,041 23,984 1 6,575 199,380 19,089

9. 2016 699,673 398,935 300,738 345,064 173,995 21,382 13,147 22,144 1 4,561 201,447 16,475

10. 2017 636,278 369,843 266,435 392,352 223,811 15,367 11,525 25,421 27 4,703 197,777 16,149

11. 2018 621,346 367,444 253,902 177,915 90,224 4,279 3,273 7,981 41 973 96,637 14,049

12. Totals XXX XXX XXX 4,352,828 2,824,957 431,875 289,286 210,287 71 60,126 1,880,676 XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior 26,057 10,725 32,519 12,237 22,734 5,937 47,689 16,665 6,784 1 90,218 1,160

2. 2009 4,865 2,580 5,856 3,742 1,115 567 8,048 5,057 569 8,507 87

3. 2010 4,673 3,845 3,901 2,752 432 229 5,050 3,527 454 211 4,158 62

4. 2011 6,086 3,629 6,598 5,024 3,708 1,881 8,601 6,502 784 608 8,739 149

5. 2012 9,419 7,575 7,637 5,615 1,667 836 10,183 7,383 901 959 8,398 155

6. 2013 13,702 9,272 7,935 5,534 4,143 2,119 10,321 7,219 1,061 1,328 13,019 172

7. 2014 19,653 10,390 9,740 5,744 3,315 1,661 12,461 7,362 1,292 1,467 21,304 287

8. 2015 41,074 20,579 17,720 8,852 7,465 3,736 19,945 9,959 2,410 1,779 45,488 546

9. 2016 61,404 30,717 39,593 19,865 8,853 4,431 32,274 16,213 3,645 2,709 74,544 835

10. 2017 87,231 63,809 80,380 40,433 8,143 4,092 45,445 22,883 2,904 3,607 92,887 1,371

11. 2018 100,186 52,145 121,373 68,156 6,970 3,725 50,557 30,037 10,731 3,900 135,753 3,739

12. Totals 374,351 215,264 333,252 177,955 68,545 29,213 250,573 132,807 31,535 1 16,569 503,015 8,563

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX 35,614 54,604

2. 2009 477,667 327,694 149,973 37.2 37.0 37.7 100.0 4,399 4,108

3. 2010 483,016 332,951 150,065 45.9 44.1 50.4 100.0 1,977 2,181

4. 2011 724,889 516,201 208,688 68.0 67.2 70.2 100.0 4,031 4,709

5. 2012 897,991 646,531 251,460 77.3 77.3 77.5 100.0 3,866 4,532

6. 2013 608,930 389,589 219,341 52.0 48.6 59.2 100.0 6,832 6,187

7. 2014 557,446 305,078 252,368 60.0 53.9 69.5 100.0 13,259 8,045

8. 2015 472,271 227,404 244,867 58.4 50.8 68.0 100.0 29,362 16,125

9. 2016 534,359 258,368 275,992 76.4 64.8 91.8 100.0 50,416 24,129

10. 2017 657,243 366,580 290,664 103.3 99.1 109.1 100.0 63,370 29,517

11. 2018 479,992 247,601 232,390 77.3 67.4 91.5 100.0 101,258 34,496

12. Totals XXX XXX XXX XXX XXX XXX XXX 314,383 188,632

39

Page 29: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1F - SECTION 1 - MEDICAL PROFESSIONAL LIABILITY - OCCURRENCE($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX (218) (55) (93) (28) (228) XXX

2. 2009 5,521 2,807 2,714 748 374 578 290 39 700 28

3. 2010 4,772 2,338 2,434 3,802 1,901 1,549 780 100 2,770 64

4. 2011 13,555 11,828 1,726 4,887 2,443 886 448 175 3,056 117

5. 2012 1,406 703 703 2,137 1,069 528 267 150 1,479 119

6. 2013 5,244 2,622 2,622 2,654 1,327 285 145 116 1,584 66

7. 2014 2,265 1,133 1,133 340 170 103 56 67 284 33

8. 2015 2,732 1,366 1,366 886 443 49 27 33 499 12

9. 2016 1,252 626 626 40 20 44 22 18 60 7

10. 2017 1,767 909 858 1 1 5 5 33

11. 2018 384 182 201 8 8 22

12. Totals XXX XXX XXX 15,277 7,693 3,930 2,007 711 10,218 XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior 409 183 64 85 6 7 191

2. 2009 73 36 11 6 42

3. 2010 129 64 6 3 67

4. 2011 643 322 11 6 7 4 11 342 1

5. 2012 164 82 19 9 15 8 1 3 102 1

6. 2013 61 30 59 29 1 61 1

7. 2014 256 128 235 117 9 4 19 9 7 266 2

8. 2015 228 114 674 337 6 3 63 32 22 507 2

9. 2016 16 8 576 288 44 22 12 330

10. 2017 153 76 663 331 41 21 34 17 16 461 6

11. 2018 23 11 126 63 7 3 5 2 3 82 13

12. Totals 2,154 1,056 2,443 1,275 86 49 166 91 73 2,452 26

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX 205 (13)

2. 2009 1,449 706 742 26.2 25.2 27.4 100.0 42

3. 2010 5,586 2,749 2,838 117.1 117.6 116.6 100.0 67

4. 2011 6,620 3,222 3,398 48.8 27.2 196.9 100.0 327 15

5. 2012 3,017 1,436 1,581 214.6 204.3 225.0 100.0 91 11

6. 2013 3,177 1,533 1,644 60.6 58.5 62.7 100.0 60 1

7. 2014 1,035 485 550 45.7 42.8 48.6 100.0 245 20

8. 2015 1,961 955 1,006 71.8 69.9 73.6 100.0 451 56

9. 2016 750 360 390 59.9 57.5 62.3 100.0 296 34

10. 2017 912 446 466 51.6 49.1 54.3 100.0 408 54

11. 2018 170 80 91 44.4 43.7 45.0 100.0 74 8

12. Totals XXX XXX XXX XXX XXX XXX XXX 2,267 185

40

Page 30: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1F - SECTION 2 - MEDICAL PROFESSIONAL LIABILITY - CLAIMS-MADE($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX 3,008 1,284 1,614 779 36 16 2,595 XXX

2. 2009 212,693 106,502 106,191 122,003 61,001 13,723 6,951 5,042 1 72,814 6,521

3. 2010 193,266 96,627 96,639 62,144 31,074 9,390 4,782 4,875 36 40,553 4,988

4. 2011 148,089 69,068 79,021 100,410 50,479 9,354 4,751 4,149 468 58,682 4,846

5. 2012 146,813 73,406 73,406 53,102 26,568 11,388 5,768 3,697 242 35,852 4,724

6. 2013 136,362 68,115 68,248 62,423 31,211 9,692 4,904 3,291 1,127 39,290 3,347

7. 2014 129,914 65,019 64,895 116,079 58,039 4,741 2,406 3,519 1 63,892 2,811

8. 2015 121,510 60,936 60,574 69,584 34,886 4,627 2,346 4,114 41,093 2,894

9. 2016 116,429 58,395 58,035 45,894 22,947 3,830 1,930 3,732 28,579 2,531

10. 2017 113,714 57,032 56,682 12,827 6,414 2,212 1,119 4,988 12,495 2,610

11. 2018 109,237 54,706 54,531 1,412 706 299 151 2,568 3,423 3,234

12. Totals XXX XXX XXX 648,885 324,609 70,870 35,886 40,010 1,890 399,269 XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior 4,131 2,288 76 168 167 82 11 20 77 1,904 37

2. 2009 3,652 1,826 (470) (235) 457 229 2 1 77 1,898 26

3. 2010 2,490 1,245 17 9 208 104 2 1 32 35 1,391 52

4. 2011 15,146 7,573 (1,549) (774) 485 243 3 1 303 59 7,346 35

5. 2012 2,841 1,420 3,930 1,965 1,464 732 572 286 129 33 4,532 44

6. 2013 18,337 9,168 15,103 7,552 1,181 591 2,197 1,098 406 102 18,815 74

7. 2014 4,898 2,449 22,240 11,125 463 231 3,235 1,618 379 146 15,791 122

8. 2015 6,543 3,272 39,246 19,667 1,292 646 5,199 2,606 767 180 26,858 248

9. 2016 28,195 14,098 40,346 20,276 2,388 1,194 5,293 2,660 1,275 179 39,270 318

10. 2017 8,315 4,157 80,584 40,421 3,274 1,637 8,162 4,094 1,505 210 51,531 352

11. 2018 3,069 1,535 94,823 47,490 2,752 1,376 7,357 3,684 1,555 203 55,471 1,236

12. Totals 97,617 49,031 294,347 147,663 14,132 7,064 32,033 16,070 6,506 1,145 224,806 2,544

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX 1,752 153

2. 2009 144,486 69,774 74,712 67.9 65.5 70.4 100.0 1,591 307

3. 2010 79,158 37,214 41,944 41.0 38.5 43.4 100.0 1,253 137

4. 2011 128,301 62,273 66,028 86.6 90.2 83.6 100.0 6,799 547

5. 2012 77,123 36,739 40,384 52.5 50.0 55.0 100.0 3,386 1,147

6. 2013 112,629 54,524 58,105 82.6 80.0 85.1 100.0 16,720 2,095

7. 2014 155,553 75,869 79,683 119.7 116.7 122.8 100.0 13,564 2,227

8. 2015 131,373 63,422 67,951 108.1 104.1 112.2 100.0 22,851 4,007

9. 2016 130,955 63,105 67,849 112.5 108.1 116.9 100.0 34,168 5,102

10. 2017 121,868 57,842 64,026 107.2 101.4 113.0 100.0 44,321 7,210

11. 2018 113,835 54,942 58,894 104.2 100.4 108.0 100.0 48,867 6,604

12. Totals XXX XXX XXX XXX XXX XXX XXX 195,270 29,536

41

Page 31: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1G - SPECIAL LIABILITY (OCEAN MARINE, AIRCRAFT (ALL PERILS), BOILER AND MACHINERY)

($000 OMITTED)Premiums Earned Loss and Loss Expense Payments 12

Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX 1,547 1,587 (103) 19 5 (3) (157) XXX

2. 2009 203,751 132,664 71,086 73,485 46,788 3,258 2,705 3,367 4,801 30,617 XXX

3. 2010 191,884 112,562 79,322 90,069 56,836 3,157 2,881 5,988 2,334 39,498 XXX

4. 2011 198,978 120,871 78,106 142,036 86,028 4,651 4,103 5,793 3,743 62,349 XXX

5. 2012 214,611 135,411 79,200 146,372 118,514 3,675 3,149 5,901 4,578 34,285 XXX

6. 2013 239,951 149,433 90,517 109,680 68,872 3,882 3,014 5,305 3 5,912 46,979 XXX

7. 2014 249,844 160,653 89,191 162,815 123,426 3,183 2,498 5,353 6 5,038 45,420 XXX

8. 2015 243,080 160,803 82,277 89,329 60,516 4,713 4,018 5,895 7 4,338 35,396 XXX

9. 2016 180,375 129,790 50,585 57,606 43,148 2,216 2,162 2,746 50 2,289 17,208 XXX

10. 2017 148,590 102,018 46,571 42,959 31,357 666 678 2,342 355 2,234 13,578 XXX

11. 2018 162,008 112,859 49,149 41,606 34,627 231 298 1,205 192 133 7,926 XXX

12. Totals XXX XXX XXX 957,504 671,699 29,530 25,523 43,899 614 35,397 333,098 XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior 1,471 1,666 541 438 27 12 1 (77) 43

2. 2009 140 70 26 13 4 2 85 16

3. 2010 347 173 9 4 80 40 4 222 9

4. 2011 67 34 42 21 12 6 1 74 61 10

5. 2012 609 603 13 6 108 76 7 77 51 18

6. 2013 631 382 183 91 125 88 7 117 384 42

7. 2014 866 483 1,297 648 77 42 32 258 1,099 60

8. 2015 4,540 3,251 941 470 253 185 81 305 1,909 67

9. 2016 3,826 2,913 366 195 872 714 68 293 1,310 74

10. 2017 8,840 7,761 1,449 946 764 611 143 406 1,877 193

11. 2018 42,842 28,921 19,310 11,689 1,629 1,097 879 1,457 22,954 475

12. Totals 64,179 46,257 24,176 14,523 3,950 2,872 1 1,223 2,987 29,876 1,007

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX (92) 14

2. 2009 80,279 49,577 30,702 39.4 37.4 43.2 100.0 83 2

3. 2010 99,655 59,935 39,720 51.9 53.2 50.1 100.0 178 45

4. 2011 152,601 90,191 62,411 76.7 74.6 79.9 100.0 55 7

5. 2012 156,685 122,348 34,336 73.0 90.4 43.4 100.0 12 40

6. 2013 119,813 72,450 47,363 49.9 48.5 52.3 100.0 341 44

7. 2014 173,623 127,104 46,518 69.5 79.1 52.2 100.0 1,031 68

8. 2015 105,752 68,447 37,305 43.5 42.6 45.3 100.0 1,759 150

9. 2016 67,700 49,182 18,518 37.5 37.9 36.6 100.0 1,084 225

10. 2017 57,163 41,708 15,455 38.5 40.9 33.2 100.0 1,582 296

11. 2018 107,703 76,823 30,880 66.5 68.1 62.8 100.0 21,543 1,411

12. Totals XXX XXX XXX XXX XXX XXX XXX 27,575 2,300

42

Page 32: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1H - SECTION 1 - OTHER LIABILITY - OCCURRENCE($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX 273,110 166,488 46,392 21,245 2,395 504 6,613 133,660 XXX

2. 2009 2,041,052 1,219,135 821,917 1,062,162 610,831 205,921 119,634 66,287 1 11,201 603,904 81,448

3. 2010 1,894,192 1,157,888 736,305 1,139,565 647,766 222,469 132,291 68,290 (2) 16,725 650,269 86,667

4. 2011 1,772,757 1,092,235 680,522 977,773 573,810 195,173 112,360 38,479 7 25,154 525,248 81,702

5. 2012 1,904,185 1,214,891 689,294 898,801 533,515 183,965 110,451 42,557 655 6,276 480,702 71,972

6. 2013 1,981,924 1,235,191 746,733 1,044,963 627,663 191,921 115,169 52,258 10 12,352 546,299 72,627

7. 2014 2,061,740 1,299,759 761,980 841,476 525,881 140,092 85,313 70,660 21 4,259 441,013 72,511

8. 2015 2,261,706 1,420,473 841,233 763,117 482,527 122,809 81,876 70,468 64 4,472 391,927 74,614

9. 2016 1,967,940 1,276,120 691,820 417,317 290,558 68,523 45,644 77,621 112 27,549 227,146 80,078

10. 2017 1,838,052 1,212,044 626,008 224,277 160,362 43,054 30,312 58,532 942 6,219 134,248 78,427

11. 2018 1,773,983 1,264,441 509,542 69,792 57,242 3,539 2,816 53,166 2,505 252 63,934 61,996

12. Totals XXX XXX XXX 7,712,353 4,676,643 1,423,859 857,112 600,711 4,818 121,073 4,198,351 XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior 457,084 190,704 537,856 212,485 117,617 46,588 215,009 91,537 36,281 327 822,206 3,152

2. 2009 78,618 40,639 65,580 35,942 9,610 6,063 31,765 18,045 3,887 48 661 88,723 412

3. 2010 84,051 44,096 96,328 52,760 15,619 10,277 50,957 28,812 5,205 75 2,226 116,139 473

4. 2011 97,780 53,457 115,867 64,720 15,882 9,104 65,532 37,718 6,850 104 2,702 136,808 473

5. 2012 116,031 63,233 130,792 73,530 14,381 7,845 75,624 43,489 7,576 138 3,813 156,170 698

6. 2013 190,292 107,063 159,215 86,122 23,403 13,250 102,635 60,947 10,919 217 6,198 218,864 952

7. 2014 275,072 162,914 260,801 149,547 29,014 16,693 154,780 94,255 14,900 316 7,554 310,843 1,632

8. 2015 302,267 185,255 369,061 212,845 46,460 29,087 232,968 139,999 22,070 459 9,417 405,180 2,911

9. 2016 303,741 196,943 533,102 327,014 42,324 28,839 331,122 204,590 26,717 628 9,654 478,991 4,133

10. 2017 262,382 170,401 704,938 452,369 32,243 21,090 358,391 229,156 28,853 1,332 9,648 512,458 6,246

11. 2018 159,449 105,184 797,677 553,737 17,732 11,592 340,577 233,822 33,906 2,186 9,147 442,822 12,659

12. Totals 2,326,766 1,319,889 3,771,215 2,221,070 364,284 200,426 1,959,359 1,182,369 197,165 5,831 61,020 3,689,204 33,741

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX 591,750 230,456

2. 2009 1,523,830 831,203 692,627 74.7 68.2 84.3 100.0 67,618 21,106

3. 2010 1,682,483 916,074 766,408 88.8 79.1 104.1 100.0 83,523 32,616

4. 2011 1,513,336 851,281 662,056 85.4 77.9 97.3 100.0 95,469 41,339

5. 2012 1,469,727 832,855 636,872 77.2 68.6 92.4 100.0 110,060 46,110

6. 2013 1,775,605 1,010,441 765,163 89.6 81.8 102.5 100.0 156,321 62,543

7. 2014 1,786,795 1,034,939 751,856 86.7 79.6 98.7 100.0 223,413 87,430

8. 2015 1,929,219 1,132,112 797,107 85.3 79.7 94.8 100.0 273,228 131,952

9. 2016 1,800,466 1,094,328 706,138 91.5 85.8 102.1 100.0 312,886 166,105

10. 2017 1,712,670 1,065,963 646,706 93.2 87.9 103.3 100.0 344,550 167,909

11. 2018 1,475,839 969,083 506,756 83.2 76.6 99.5 100.0 298,205 144,616

12. Totals XXX XXX XXX XXX XXX XXX XXX 2,557,023 1,132,181

43

Page 33: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1H - SECTION 2 - OTHER LIABILITY - CLAIMS-MADE($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX 25,056 14,696 1,874 412 421 35 3,230 12,208 XXX

2. 2009 1,022,016 551,547 470,469 761,433 393,349 114,311 63,889 19,330 1,523 437,835 13,543

3. 2010 959,088 518,813 440,275 515,973 273,421 85,938 44,821 19,819 3,629 303,487 12,009

4. 2011 842,593 462,409 380,185 509,340 262,488 75,944 39,634 24,644 1,298 307,806 11,472

5. 2012 798,470 444,936 353,533 499,602 277,559 77,610 47,887 19,419 4,458 271,185 10,280

6. 2013 795,843 429,708 366,135 378,412 207,883 59,771 32,803 19,596 4,901 217,092 10,395

7. 2014 783,775 438,207 345,568 331,562 190,861 39,210 21,611 19,155 1 1,881 177,454 10,620

8. 2015 772,443 429,442 343,001 286,683 167,470 56,479 34,947 19,987 4 200 160,728 10,538

9. 2016 759,958 435,583 324,376 238,095 132,995 34,323 18,546 18,450 3 4,306 139,323 10,472

10. 2017 735,777 445,632 290,145 108,994 66,052 15,414 8,523 11,625 21 68 61,436 9,823

11. 2018 745,280 481,880 263,400 30,988 20,136 2,557 1,509 7,558 101 13 19,357 9,162

12. Totals XXX XXX XXX 3,686,138 2,006,912 563,429 314,583 180,005 166 25,507 2,107,911 XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior 80,533 42,607 44,327 24,659 8,643 4,231 12,696 7,022 2,436 57 70,057 438

2. 2009 22,094 11,047 22,013 11,991 1,485 743 5,781 3,149 861 25,305 109

3. 2010 41,183 21,591 46,458 25,052 2,875 1,464 12,201 6,579 2,048 8 306 50,070 109

4. 2011 37,421 21,065 47,264 26,052 2,175 1,144 12,413 6,842 1,691 11 299 45,851 158

5. 2012 67,181 37,124 60,231 34,346 2,246 1,144 15,818 9,020 2,184 14 317 66,012 188

6. 2013 51,929 31,493 57,866 34,037 18,322 9,226 15,197 8,939 2,009 11 498 61,616 308

7. 2014 145,368 79,770 93,481 50,892 5,573 2,858 20,611 11,396 3,791 11 1,153 123,897 410

8. 2015 122,075 75,062 171,154 94,603 13,199 9,210 44,950 24,845 5,455 28 1,169 153,085 727

9. 2016 170,964 93,427 166,841 95,356 14,154 7,439 45,972 25,989 6,642 21 1,463 182,340 1,177

10. 2017 161,801 104,592 268,910 166,760 16,012 8,708 71,148 43,796 8,141 1,650 202,157 2,177

11. 2018 106,723 72,716 360,249 234,378 19,449 11,409 91,191 59,328 11,287 1,515 211,069 5,292

12. Totals 1,007,271 590,494 1,338,795 798,128 104,132 57,576 347,978 206,906 46,546 160 8,370 1,191,458 11,093

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX 57,593 12,464

2. 2009 947,309 484,169 463,140 92.7 87.8 98.4 100.0 21,070 4,235

3. 2010 726,494 372,938 353,556 75.7 71.9 80.3 100.0 40,997 9,072

4. 2011 710,893 357,235 353,657 84.4 77.3 93.0 100.0 37,568 8,283

5. 2012 744,291 407,095 337,197 93.2 91.5 95.4 100.0 55,942 10,070

6. 2013 603,101 324,393 278,708 75.8 75.5 76.1 100.0 44,264 17,352

7. 2014 658,750 357,399 301,350 84.0 81.6 87.2 100.0 108,187 15,710

8. 2015 719,982 406,170 313,812 93.2 94.6 91.5 100.0 123,565 29,520

9. 2016 695,441 373,777 321,663 91.5 85.8 99.2 100.0 149,022 33,318

10. 2017 662,046 398,452 263,594 90.0 89.4 90.8 100.0 159,359 42,798

11. 2018 630,003 399,578 230,426 84.5 82.9 87.5 100.0 159,879 51,190

12. Totals XXX XXX XXX XXX XXX XXX XXX 957,445 234,013

44

Page 34: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1I - SPECIAL PROPERTY (FIRE, ALLIED LINES, INLAND MARINE, EARTHQUAKE, BURGLARY AND THEFT)

($000 OMITTED)Premiums Earned Loss and Loss Expense Payments 12

Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX 183,379 140,340 14,661 11,070 5,651 737 13,765 51,544 XXX

2. 2017 3,755,713 2,441,641 1,314,071 2,519,161 1,722,362 42,351 36,475 48,088 2,459 10,096 848,305 XXX

3. 2018 3,836,934 2,511,097 1,325,837 1,200,660 681,895 16,574 15,249 19,884 669 1,083 539,305 XXX

4. Totals XXX XXX XXX 3,903,200 2,544,597 73,587 62,794 73,623 3,865 24,944 1,439,154 XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior 179,953 132,433 5,619 3,926 13,597 10,662 15 1,761 18,196 53,894 234

2. 2017 997,884 898,089 206,792 145,408 22,028 15,766 9,217 15,834 176,658 585

3. 2018 785,348 563,786 601,050 321,941 22,651 14,916 28,519 16,116 536,925 2,235

4. Totals 1,963,186 1,594,308 813,461 471,276 58,276 41,344 15 39,497 50,146 767,477 3,054

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX 49,212 4,682

2. 2017 3,845,521 2,820,559 1,024,962 102.4 115.5 78.0 100.0 161,179 15,479

3. 2018 2,674,686 1,598,456 1,076,230 69.7 63.7 81.2 100.0 500,672 36,254

4. Totals XXX XXX XXX XXX XXX XXX XXX 711,063 56,414

45

Page 35: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1J - AUTO PHYSICAL DAMAGE($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX (2,677) (1,120) 787 460 807 2 4,064 (426) XXX

2. 2017 388,122 248,039 140,083 421,050 278,078 9,045 6,147 13,334 21 54,427 159,183 75,781

3. 2018 391,058 255,447 135,611 332,176 213,349 7,567 5,311 7,971 50 16,997 129,005 62,201

4. Totals XXX XXX XXX 750,548 490,306 17,399 11,918 22,112 73 75,488 287,762 XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior 856 629 (662) (284) 394 195 7 315 1,583 (261) 526

2. 2017 1,734 16,370 (3,306) (1,955) 240 172 (107) 179 3,471 (16,204) 660

3. 2018 29,952 20,217 13,834 7,983 1,161 921 959 279 18,014 16,506 5,900

4. Totals 32,542 37,216 9,865 5,744 1,795 1,289 858 773 23,067 40 7,086

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX (152) (110)

2. 2017 441,989 299,011 142,978 113.9 120.6 102.1 100.0 (15,986) (219)

3. 2018 393,621 248,110 145,511 100.7 97.1 107.3 100.0 15,586 920

4. Totals XXX XXX XXX XXX XXX XXX XXX (552) 592

46

Page 36: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1K - FIDELITY/SURETY($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX 148,343 86,493 13,440 7,100 1,821 13 23,020 69,998 XXX

2. 2017 655,697 342,853 312,844 76,067 38,951 4,669 2,497 5,762 4,165 45,050 XXX

3. 2018 677,169 370,115 307,054 283,947 243,221 8,530 5,990 9,536 409 52,803 XXX

4. Totals XXX XXX XXX 508,357 368,665 26,640 15,587 17,119 13 27,594 167,851 XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior 29,236 16,253 (1,350) (644) 15,356 8,449 (674) (326) 1,794 47,941 20,629 1,436

2. 2017 28,135 14,211 21,894 11,158 4,003 2,012 7,810 3,958 2,151 23,708 32,655 854

3. 2018 48,912 16,629 148,077 115,268 6,017 3,053 54,412 40,608 6,887 36,477 88,747 1,538

4. Totals 106,282 47,093 168,621 125,782 25,376 13,514 61,548 44,239 10,832 108,126 142,031 3,828

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX 12,276 8,353

2. 2017 150,491 72,786 77,705 23.0 21.2 24.8 100.0 24,660 7,995

3. 2018 566,319 424,769 141,550 83.6 114.8 46.1 100.0 65,092 23,655

4. Totals XXX XXX XXX XXX XXX XXX XXX 102,028 40,003

47

Page 37: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1L - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX 54,101 38,020 2,029 1,266 521 13 6,393 17,351 XXX

2. 2017 378,497 230,501 147,996 222,884 121,854 3,808 2,104 3,541 29 1,235 106,247 XXX

3. 2018 411,033 237,683 173,350 100,440 53,957 1,133 622 3,000 2,058 96 47,936 XXX

4. Totals XXX XXX XXX 377,426 213,831 6,970 3,993 7,062 2,100 7,725 171,534 XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior 30,225 17,874 77,205 61,434 3,733 2,698 117 1,837 3,043 31,112 2,108

2. 2017 17,784 10,010 34,099 23,862 756 467 637 1,932 18,937 819

3. 2018 53,472 29,806 81,081 49,859 1,105 669 1,730 2,234 57,055 1,606

4. Totals 101,480 57,689 192,385 135,156 5,595 3,834 117 4,205 7,209 107,104 4,533

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX 28,123 2,990

2. 2017 283,509 158,325 125,184 74.9 68.7 84.6 100.0 18,010 927

3. 2018 241,961 136,970 104,991 58.9 57.6 60.6 100.0 54,888 2,167

4. Totals XXX XXX XXX XXX XXX XXX XXX 101,021 6,083

48

Page 38: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1M - INTERNATIONAL($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX XXX

2. 2009 XXX

3. 2010 XXX

4. 2011 XXX

5. 2012 XXX

6. 2013 XXX

7. 2014 XXX

8. 2015 XXX

9. 2016 XXX

10. 2017 XXX

11. 2018 XXX

12. Totals XXX XXX XXX XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior

2. 2009

3. 2010

4. 2011

5. 2012

6. 2013

7. 2014

8. 2015

9. 2016

10. 2017

11. 2018

12. Totals

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX

2. 2009

3. 2010

4. 2011

5. 2012

6. 2013

7. 2014

8. 2015

9. 2016

10. 2017

11. 2018

12. Totals XXX XXX XXX XXX XXX XXX XXX

49

Page 39: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1N - REINSURANCE - NONPROPORTIONAL ASSUMED PROPERTY($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX XXX

2. 2009 XXX

3. 2010 XXX

4. 2011 XXX

5. 2012 XXX

6. 2013 XXX

7. 2014 XXX

8. 2015 XXX

9. 2016 XXX

10. 2017 XXX

11. 2018 XXX

12. Totals XXX XXX XXX XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior XXX

2. 2009 XXX

3. 2010 XXX

4. 2011 XXX

5. 2012 XXX

6. 2013 XXX

7. 2014 XXX

8. 2015 XXX

9. 2016 XXX

10. 2017 XXX

11. 2018 XXX

12. Totals XXX

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX

2. 2009

3. 2010

4. 2011

5. 2012

6. 2013

7. 2014

8. 2015

9. 2016

10. 2017

11. 2018

12. Totals XXX XXX XXX XXX XXX XXX XXX

50

Page 40: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1O - REINSURANCE - NONPROPORTIONAL ASSUMED LIABILITY($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX XXX

2. 2009 XXX

3. 2010 XXX

4. 2011 XXX

5. 2012 XXX

6. 2013 XXX

7. 2014 XXX

8. 2015 XXX

9. 2016 XXX

10. 2017 XXX

11. 2018 XXX

12. Totals XXX XXX XXX XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior XXX

2. 2009 XXX

3. 2010 XXX

4. 2011 XXX

5. 2012 XXX

6. 2013 XXX

7. 2014 XXX

8. 2015 XXX

9. 2016 XXX

10. 2017 XXX

11. 2018 XXX

12. Totals XXX

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX

2. 2009

3. 2010

4. 2011

5. 2012

6. 2013

7. 2014

8. 2015

9. 2016

10. 2017

11. 2018

12. Totals XXX XXX XXX XXX XXX XXX XXX

51

Page 41: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1P - REINSURANCE - NONPROPORTIONAL ASSUMED FINANCIAL LINES($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX XXX

2. 2009 XXX

3. 2010 XXX

4. 2011 XXX

5. 2012 XXX

6. 2013 XXX

7. 2014 XXX

8. 2015 XXX

9. 2016 XXX

10. 2017 XXX

11. 2018 XXX

12. Totals XXX XXX XXX XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior XXX

2. 2009 XXX

3. 2010 XXX

4. 2011 XXX

5. 2012 XXX

6. 2013 XXX

7. 2014 XXX

8. 2015 XXX

9. 2016 XXX

10. 2017 XXX

11. 2018 XXX

12. Totals XXX

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX

2. 2009

3. 2010

4. 2011

5. 2012

6. 2013

7. 2014

8. 2015

9. 2016

10. 2017

11. 2018

12. Totals XXX XXX XXX XXX XXX XXX XXX

52

Page 42: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX 44,211 22,119 41,339 8,307 778 9 57 55,893 XXX

2. 2009 204,437 127,098 77,338 93,878 56,106 36,687 23,351 10,179 16 946 61,270 9,745

3. 2010 178,177 105,138 73,039 59,802 35,802 35,371 22,719 7,535 1,714 44,186 9,448

4. 2011 150,930 101,643 49,287 67,280 45,841 24,949 17,630 6,062 7 353 34,812 8,877

5. 2012 175,597 117,084 58,513 99,422 73,518 14,881 11,849 5,607 (2) 1,031 34,546 8,073

6. 2013 183,368 119,138 64,230 51,875 31,195 13,901 9,967 3,418 551 28,031 7,156

7. 2014 198,042 122,570 75,472 26,542 18,282 8,117 5,917 2,593 7 5 13,046 5,486

8. 2015 194,453 123,972 70,481 89,808 57,810 7,877 5,986 2,740 1 174 36,629 5,961

9. 2016 185,686 121,456 64,230 15,550 10,108 5,039 4,340 3,676 5 62 9,812 4,442

10. 2017 204,584 138,413 66,171 6,233 4,989 2,380 1,792 1,998 75 7 3,756 3,650

11. 2018 195,769 137,804 57,965 598 451 711 515 658 8 993 2,534

12. Totals XXX XXX XXX 555,199 356,220 191,251 112,374 45,245 126 4,900 322,974 XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior 156,064 25,890 145,072 40,189 88,386 15,481 83,947 24,253 17,778 40 385,395 1,768

2. 2009 17,060 10,593 6,135 2,777 2,563 1,650 8,719 4,398 712 4 66 15,766 59

3. 2010 3,986 2,055 12,845 7,573 826 540 6,365 3,684 562 11 94 10,720 65

4. 2011 1,523 950 14,351 9,424 2,086 1,048 6,063 3,757 520 17 143 9,347 70

5. 2012 10,999 6,066 14,707 9,889 1,378 813 9,148 5,590 751 34 268 14,592 94

6. 2013 7,409 4,760 26,999 16,809 2,133 1,407 15,775 9,352 1,294 43 240 21,239 113

7. 2014 10,962 6,422 34,150 20,358 1,571 956 16,809 9,783 1,423 70 238 27,326 97

8. 2015 21,536 15,161 42,674 26,107 3,453 2,618 19,804 12,326 1,681 100 668 32,836 219

9. 2016 23,780 17,442 53,704 34,570 2,652 2,046 23,025 14,591 2,029 134 484 36,408 250

10. 2017 9,030 5,677 73,010 47,038 1,899 1,283 32,092 20,559 2,566 294 497 43,745 313

11. 2018 32,520 21,804 78,431 53,495 3,329 2,283 37,347 23,700 3,529 461 632 53,413 509

12. Totals 294,869 116,821 502,078 268,229 110,277 30,125 259,092 131,994 32,845 1,208 3,332 650,786 3,557

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX 235,057 150,338

2. 2009 175,932 98,896 77,036 86.1 77.8 99.6 100.0 9,825 5,941

3. 2010 127,290 72,384 54,906 71.4 68.8 75.2 100.0 7,203 3,518

4. 2011 122,833 78,674 44,159 81.4 77.4 89.6 100.0 5,501 3,846

5. 2012 156,895 107,757 49,138 89.3 92.0 84.0 100.0 9,751 4,840

6. 2013 122,804 73,534 49,270 67.0 61.7 76.7 100.0 12,838 8,401

7. 2014 102,167 61,795 40,372 51.6 50.4 53.5 100.0 18,332 8,993

8. 2015 189,574 120,109 69,465 97.5 96.9 98.6 100.0 22,942 9,894

9. 2016 129,455 83,236 46,220 69.7 68.5 72.0 100.0 25,472 10,936

10. 2017 129,208 81,708 47,501 63.2 59.0 71.8 100.0 29,325 14,420

11. 2018 157,122 102,717 54,406 80.3 74.5 93.9 100.0 35,652 17,761

12. Totals XXX XXX XXX XXX XXX XXX XXX 411,898 238,888

53

Page 43: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS-MADE($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX 32 32 3 3 3 3 XXX

2. 2009 26,180 22,532 3,647 6,194 3,839 1,499 1,492 1,049 217 3,410 601

3. 2010 24,997 22,378 2,620 5,033 3,228 2,186 1,690 417 21 2,717 142

4. 2011 22,376 20,095 2,280 6,159 3,252 2,015 1,968 315 1,175 3,269 87

5. 2012 12,625 10,705 1,920 8,155 5,095 1,612 1,233 246 38 3,685 96

6. 2013 17,876 16,406 1,470 6,221 3,854 263 278 233 59 2,585 75

7. 2014 21,928 20,828 1,100 207 207 287 317 103 2 71 50

8. 2015 22,497 21,874 622 194 194 492 493 65 63 37

9. 2016 21,509 20,362 1,148 61 66 75 70 52

10. 2017 10,441 9,326 1,115 (3) 4 55 47 40

11. 2018 3,594 2,850 744 3 2 1 28

12. Totals XXX XXX XXX 32,195 19,701 8,413 7,541 2,564 7 1,509 15,923 XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior 1,301 1,287 4,951 2,163 59 12 1,300 568 170 2 3,749 5

2. 2009 550 416 145 109 17 187

3. 2010 573 442 151 116 18 184

4. 2011 611 504 160 132 18 153

5. 2012 462 231 879 647 152 76 231 170 21 621 1

6. 2013 3 1 1,436 1,260 377 331 43 267 5

7. 2014 2,403 2,403 2,763 2,529 69 69 726 664 149 3 444 2

8. 2015 3,177 3,465 834 910 93 1 2 (270) 2

9. 2016 160 160 5,666 4,667 424 424 1,488 1,226 176 1 6 1,436 6

10. 2017 3,538 3,538 5,416 4,573 220 220 1,422 1,201 247 14 1,312 5

11. 2018 1,905 1,548 4 4 482 392 54 6 501 1

12. Totals 7,867 7,621 27,928 22,213 929 805 7,317 5,819 1,008 5 31 8,585 27

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX 2,802 948

2. 2009 9,454 5,856 3,598 36.1 26.0 98.6 100.0 135 53

3. 2010 8,378 5,477 2,901 33.5 24.5 110.7 100.0 131 52

4. 2011 9,278 5,856 3,422 41.5 29.1 150.1 100.0 107 46

5. 2012 11,759 7,453 4,306 93.1 69.6 224.2 100.0 463 158

6. 2013 8,578 5,725 2,853 48.0 34.9 194.1 100.0 178 89

7. 2014 6,705 6,190 515 30.6 29.7 46.8 100.0 234 210

8. 2015 4,855 5,062 (207) 21.6 23.1 (33.2) 100.0 (287) 17

9. 2016 8,050 6,543 1,507 37.4 32.1 131.3 100.0 999 438

10. 2017 10,895 9,536 1,359 104.4 102.3 121.9 100.0 844 469

11. 2018 2,449 1,946 502 68.1 68.3 67.5 100.0 357 144

12. Totals XXX XXX XXX XXX XXX XXX XXX 5,962 2,623

54

Page 44: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1S - FINANCIAL GUARANTY/MORTGAGE GUARANTY($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX XXX

2. 2017 XXX

3. 2018 XXX

4. Totals XXX XXX XXX XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior

2. 2017

3. 2018

4. Totals

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX

2. 2017

3. 2018

4. Totals XXX XXX XXX XXX XXX XXX XXX

55

Page 45: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 1T - WARRANTY($000 OMITTED)

Premiums Earned Loss and Loss Expense Payments 12Years inWhich

1 2 3Loss Payments

Defense and Cost Containment Payments

Adjusting and Other Payments

10 11Number of

Premiums Were Earned and

Losses Were Incurred

Direct and Assumed Ceded Net (1 - 2)

4

Direct and Assumed

5

Ceded

6

Direct and Assumed

7

Ceded

8

Direct and Assumed

9

Ceded

Salvage and Subrogation

Received

Total Net Paid Cols

(4 - 5 + 6 - 7 + 8 - 9)

Claims ReportedDirect and Assumed

1. Prior XXX XXX XXX 598 335 139 70 6 6 332 XXX

2. 2017 293,665 272,935 20,730 135,650 122,662 993 728 8,919 46 22,126 188,233

3. 2018 310,386 290,602 19,783 134,869 125,502 646 493 8,622 674 17,468 205,878

4. Totals XXX XXX XXX 271,116 248,499 1,778 1,290 17,547 726 39,926 XXX

Losses Unpaid Defense and Cost Containment Unpaid Adjusting and23 24 25

Case Basis Bulk + IBNR Case Basis Bulk + IBNR Other Unpaid13

Directand

Assumed

14

Ceded

15

Directand

Assumed

16

Ceded

17

Directand

Assumed

18

Ceded

19

Directand

Assumed

20

Ceded

21

Directand

Assumed

22

Ceded

Salvage and

Subrog-ation

Anticipated

Total Net Losses

and Expenses

Unpaid

Numberof Claims Outstand-

ingDirect and Assumed

1. Prior 799 428 21,205 10,726 98 49 923 11,823 1,278

2. 2017 356 286 589 298 34 395 35

3. 2018 6,555 6,064 8,020 7,138 509 1,882 6,601

4. Totals 7,710 6,778 29,813 18,161 98 49 1,467 14,100 7,914

TotalLosses and Loss Expenses Incurred

Loss and Loss Expense Percentage (Incurred /Premiums Earned) Nontabular Discount

34 Net Balance Sheet Reserves After Discount

26

Directand

Assumed

27

Ceded

28

Net

29

Directand

Assumed

30

Ceded

31

Net

32

Loss

33

LossExpense

Inter-Company Pooling

ParticipationPercentage

35

Losses Unpaid

36

Loss Expenses

Unpaid

1. Prior XXX XXX XXX XXX XXX XXX XXX 10,850 972

2. 2017 146,541 124,020 22,521 49.9 45.4 108.6 100.0 361 34

3. 2018 159,221 139,870 19,350 51.3 48.1 97.8 100.0 1,373 509

4. Totals XXX XXX XXX XXX XXX XXX XXX 12,584 1,516

56

Page 46: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 2A - HOMEOWNERS/FARMOWNERSYears in INCURRED NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END ($000 OMITTED) DEVELOPMENT

Which Losses Were Incurred

12009

22010

32011

42012

52013

62014

72015

82016

92017

102018

11One Year

12Two Year

1. Prior (454) 684 465 3,808 3,416 5,136 5,092 4,804 4,808 4,810 2 6

2. 2009 33,516 32,682 32,286 32,510 32,004 32,177 32,180 32,174 32,089 32,115 26 (59)

3. 2010 XXX 11,295 12,230 12,362 12,101 12,127 12,127 11,924 11,883 11,878 (5) (46)

4. 2011 XXX XXX 5,766 7,317 7,035 6,994 6,985 6,951 6,929 6,930 1 (22)

5. 2012 XXX XXX XXX 6,780 8,486 8,522 8,084 8,176 8,204 8,202 (3) 25

6. 2013 XXX XXX XXX XXX 6,652 6,086 6,471 7,323 7,284 7,290 6 (33)

7. 2014 XXX XXX XXX XXX XXX 5,042 6,484 7,934 8,095 8,075 (20) 141

8. 2015 XXX XXX XXX XXX XXX XXX 1,518 1,841 1,738 1,754 16 (87)

9. 2016 XXX XXX XXX XXX XXX XXX XXX 1,094 1,455 1,384 (71) 290

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 579 1,035 456 XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 1,071 XXX XXX

12. Totals 408 215

SCHEDULE P - PART 2B - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL1. Prior 2,842 6,597 6,830 6,684 5,891 5,668 7,467 7,665 6,718 7,086 368 (579)

2. 2009 307 1,057 3,796 4,766 5,337 1,947 1,905 1,114 985 849 (136) (265)

3. 2010 XXX 463 1,692 3,180 5,019 2,684 2,595 1,256 830 628 (202) (628)

4. 2011 XXX XXX 506 2,819 5,280 3,368 3,349 1,464 765 584 (181) (880)

5. 2012 XXX XXX XXX 631 3,256 3,207 3,286 1,045 247 50 (197) (995)

6. 2013 XXX XXX XXX XXX 752 2,859 3,365 1,160 521 469 (53) (691)

7. 2014 XXX XXX XXX XXX XXX 680 1,040 104 61 29 (32) (75)

8. 2015 XXX XXX XXX XXX XXX XXX 31 67 67 67

9. 2016 XXX XXX XXX XXX XXX XXX XXX (20) (20) (20)

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 51 (33) (84) XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 20 XXX XXX

12. Totals (471) (4,067)

SCHEDULE P - PART 2C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL1. Prior 507,858 502,345 508,879 519,456 515,013 515,139 496,739 493,636 490,579 491,423 844 (2,213)

2. 2009 266,215 256,216 240,542 243,616 244,359 244,711 244,018 244,938 244,579 243,955 (624) (983)

3. 2010 XXX 270,510 248,393 248,114 265,746 281,128 282,680 282,222 281,318 281,122 (196) (1,100)

4. 2011 XXX XXX 233,783 224,129 235,305 252,692 253,478 255,681 254,348 253,286 (1,063) (2,395)

5. 2012 XXX XXX XXX 225,391 233,407 245,141 254,864 253,971 250,669 250,781 112 (3,189)

6. 2013 XXX XXX XXX XXX 231,609 241,029 261,445 260,248 260,909 261,305 396 1,057

7. 2014 XXX XXX XXX XXX XXX 246,976 273,778 281,064 263,608 263,607 (1) (17,457)

8. 2015 XXX XXX XXX XXX XXX XXX 313,614 312,443 308,978 320,692 11,714 8,249

9. 2016 XXX XXX XXX XXX XXX XXX XXX 300,017 298,041 292,906 (5,135) (7,111)

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 287,149 278,027 (9,122) XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 252,353 XXX XXX

12. Totals (3,074) (25,143)

SCHEDULE P - PART 2D - WORKERS' COMPENSATION(EXCLUDING EXCESS WORKERS’ COMPENSATION)

1. Prior 3,796,527 3,920,247 3,964,070 4,038,917 4,079,160 4,072,887 4,041,390 4,029,115 4,056,734 4,052,401 (4,333) 23,286

2. 2009 698,994 748,475 737,755 744,446 762,104 770,552 775,133 775,443 775,914 777,237 1,323 1,794

3. 2010 XXX 776,636 756,567 756,459 761,742 772,993 778,396 771,654 767,040 763,002 (4,038) (8,652)

4. 2011 XXX XXX 836,583 820,016 820,718 834,399 854,921 844,528 830,651 824,639 (6,012) (19,889)

5. 2012 XXX XXX XXX 813,369 736,027 742,529 739,687 738,128 738,788 731,537 (7,251) (6,591)

6. 2013 XXX XXX XXX XXX 843,636 783,401 784,733 805,037 799,133 784,252 (14,881) (20,785)

7. 2014 XXX XXX XXX XXX XXX 793,914 752,968 747,505 706,693 678,581 (28,112) (68,924)

8. 2015 XXX XXX XXX XXX XXX XXX 855,369 812,324 776,999 731,735 (45,264) (80,589)

9. 2016 XXX XXX XXX XXX XXX XXX XXX 860,899 807,553 754,446 (53,107) (106,453)

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 807,513 790,123 (17,390) XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 721,074 XXX XXX

12. Totals (179,065) (286,804)

SCHEDULE P - PART 2E - COMMERCIAL MULTIPLE PERIL1. Prior 927,540 986,648 995,544 930,115 985,810 964,629 931,668 925,367 910,918 884,958 (25,960) (40,409)

2. 2009 165,216 129,857 123,890 126,974 127,098 132,550 133,357 129,390 129,039 129,754 715 364

3. 2010 XXX 136,773 126,213 129,094 133,949 135,246 136,787 135,841 134,834 133,569 (1,265) (2,272)

4. 2011 XXX XXX 187,477 180,569 180,000 180,061 181,539 182,906 186,697 187,582 884 4,675

5. 2012 XXX XXX XXX 225,227 228,017 225,036 226,132 225,348 227,220 225,944 (1,276) 596

6. 2013 XXX XXX XXX XXX 185,056 182,760 186,113 192,095 199,940 197,140 (2,800) 5,045

7. 2014 XXX XXX XXX XXX XXX 222,903 212,777 215,309 222,415 225,060 2,645 9,751

8. 2015 XXX XXX XXX XXX XXX XXX 197,770 194,949 224,418 218,474 (5,944) 23,525

9. 2016 XXX XXX XXX XXX XXX XXX XXX 215,214 240,224 250,203 9,979 34,989

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 307,691 262,366 (45,325) XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 213,719 XXX XXX

12. Totals (68,345) 36,265

57

Page 47: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 2F - SECTION 1 - MEDICAL PROFESSIONAL LIABILITY - OCCURRENCEYears in INCURRED NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END ($000 OMITTED) DEVELOPMENT

Which Losses Were Incurred

12009

22010

32011

42012

52013

62014

72015

82016

92017

102018

11One Year

12Two Year

1. Prior 18,663 15,906 13,091 12,071 14,919 14,228 15,418 15,045 14,040 13,774 (266) (1,272)

2. 2009 1,004 750 449 658 623 916 851 735 725 704 (21) (32)

3. 2010 XXX 807 670 2,111 2,004 3,249 4,844 2,758 2,746 2,738 (9) (21)

4. 2011 XXX XXX 1,978 2,844 3,660 3,683 3,944 3,290 3,302 3,212 (90) (78)

5. 2012 XXX XXX XXX 1,215 1,429 1,932 1,698 1,423 1,411 1,428 18 5

6. 2013 XXX XXX XXX XXX 1,039 1,318 1,980 1,727 1,642 1,528 (115) (200)

7. 2014 XXX XXX XXX XXX XXX 1,025 1,234 1,608 806 477 (329) (1,131)

8. 2015 XXX XXX XXX XXX XXX XXX 1,844 1,495 1,021 951 (70) (544)

9. 2016 XXX XXX XXX XXX XXX XXX XXX 629 695 360 (335) (270)

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 268 446 178 XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 80 XXX XXX

12. Totals (1,039) (3,541)

SCHEDULE P - PART 2F - SECTION 2 - MEDICAL PROFESSIONAL LIABILITY - CLAIMS-MADE1. Prior 178,978 165,573 117,409 90,764 107,598 107,622 107,743 109,639 112,277 113,047 770 3,408

2. 2009 88,119 75,759 68,813 72,778 67,526 66,064 70,031 70,461 69,980 69,593 (386) (868)

3. 2010 XXX 68,506 58,045 46,947 35,739 31,114 31,336 37,662 37,221 37,038 (183) (624)

4. 2011 XXX XXX 54,082 46,538 33,051 45,291 42,132 42,886 48,178 61,576 13,398 18,690

5. 2012 XXX XXX XXX 53,571 55,298 54,135 43,247 40,507 37,966 36,557 (1,409) (3,950)

6. 2013 XXX XXX XXX XXX 51,159 56,771 61,545 54,623 62,459 54,409 (8,050) (214)

7. 2014 XXX XXX XXX XXX XXX 48,383 54,621 55,196 78,382 75,786 (2,596) 20,589

8. 2015 XXX XXX XXX XXX XXX XXX 53,534 51,310 64,978 63,070 (1,909) 11,759

9. 2016 XXX XXX XXX XXX XXX XXX XXX 48,768 61,880 62,842 962 14,074

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 47,424 57,533 10,109 XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 54,770 XXX XXX

12. Totals 10,706 62,865

SCHEDULE P - PART 2G - SPECIAL LIABILITY (OCEAN MARINE, AIRCRAFT (ALL PERILS), BOILER AND MACHINERY)

1. Prior 21,228 23,836 24,423 24,704 25,127 24,596 23,976 23,594 21,619 21,266 (353) (2,327)

2. 2009 18,492 30,992 29,027 27,355 27,432 27,238 27,212 27,236 27,540 27,335 (206) 99

3. 2010 XXX 41,475 35,300 34,851 34,311 33,793 32,808 33,528 33,619 33,728 109 200

4. 2011 XXX XXX 43,319 45,475 54,631 55,581 55,249 56,453 56,629 56,617 (12) 164

5. 2012 XXX XXX XXX 34,358 28,297 28,480 27,906 28,122 28,987 28,428 (559) 306

6. 2013 XXX XXX XXX XXX 44,306 44,100 41,915 42,063 42,086 42,055 (31) (9)

7. 2014 XXX XXX XXX XXX XXX 42,705 39,380 40,789 42,156 41,140 (1,017) 351

8. 2015 XXX XXX XXX XXX XXX XXX 38,370 32,385 31,312 31,336 24 (1,050)

9. 2016 XXX XXX XXX XXX XXX XXX XXX 21,235 17,260 15,754 (1,505) (5,480)

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 16,464 13,325 (3,139) XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 28,987 XXX XXX

12. Totals (6,689) (7,746)

SCHEDULE P - PART 2H - SECTION 1 - OTHER LIABILITY - OCCURRENCE1. Prior 3,631,135 3,481,914 3,488,231 3,448,863 3,239,380 3,252,719 3,331,966 3,372,910 3,401,844 3,392,226 (9,617) 19,317

2. 2009 787,368 732,996 696,496 680,510 672,532 654,700 648,359 643,766 625,181 622,502 (2,679) (21,264)

3. 2010 XXX 654,013 705,012 698,683 712,681 721,343 728,432 708,105 699,719 692,987 (6,732) (15,118)

4. 2011 XXX XXX 562,025 565,703 593,713 606,272 596,976 615,080 619,697 616,837 (2,860) 1,757

5. 2012 XXX XXX XXX 527,817 548,184 568,766 580,181 575,336 596,387 587,532 (8,855) 12,196

6. 2013 XXX XXX XXX XXX 569,585 596,851 679,601 693,339 704,584 702,214 (2,370) 8,875

7. 2014 XXX XXX XXX XXX XXX 598,807 650,752 660,391 642,187 666,633 24,447 6,242

8. 2015 XXX XXX XXX XXX XXX XXX 724,257 714,919 686,959 705,092 18,133 (9,827)

9. 2016 XXX XXX XXX XXX XXX XXX XXX 566,621 585,833 602,540 16,707 35,919

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 520,322 561,595 41,273 XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 424,375 XXX XXX

12. Totals 67,446 38,097

SCHEDULE P - PART 2H - SECTION 2 - OTHER LIABILITY - CLAIMS-MADE1. Prior 947,665 876,274 853,222 809,134 876,112 885,953 879,726 889,539 894,072 889,927 (4,144) 389

2. 2009 416,905 415,602 412,593 450,282 440,849 439,029 441,396 440,719 444,834 442,949 (1,884) 2,231

3. 2010 XXX 385,914 372,547 352,501 316,992 319,222 321,937 324,467 326,967 331,697 4,729 7,229

4. 2011 XXX XXX 337,837 320,427 317,086 316,181 308,981 333,262 323,072 327,333 4,260 (5,929)

5. 2012 XXX XXX XXX 293,386 304,288 308,073 305,624 330,057 334,616 315,608 (19,008) (14,449)

6. 2013 XXX XXX XXX XXX 279,360 280,806 269,283 259,459 270,677 257,114 (13,563) (2,345)

7. 2014 XXX XXX XXX XXX XXX 272,901 283,279 281,941 274,938 278,417 3,479 (3,524)

8. 2015 XXX XXX XXX XXX XXX XXX 284,052 293,694 281,579 288,402 6,823 (5,293)

9. 2016 XXX XXX XXX XXX XXX XXX XXX 257,535 283,160 296,596 13,436 39,061

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 233,403 243,848 10,445 XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 211,681 XXX XXX

12. Totals 4,572 17,369

58

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 2I - SPECIAL PROPERTY (FIRE, ALLIED LINES, INLAND MARINE, EARTHQUAKE, BURGLARY, AND THEFT)

Years in INCURRED NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END ($000 OMITTED) DEVELOPMENTWhich Losses Were Incurred

12009

22010

32011

42012

52013

62014

72015

82016

92017

102018

11One Year

12Two Year

1. Prior XXX XXX XXX XXX XXX XXX XXX 536,617 503,631 495,535 (8,096) (41,082)

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 910,060 970,116 60,056 XXX

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 1,028,497 XXX XXX

4. Totals 51,959 (41,082)

SCHEDULE P - PART 2J - AUTO PHYSICAL DAMAGE

1. Prior XXX XXX XXX XXX XXX XXX XXX 13,411 13,240 11,234 (2,006) (2,176)

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 197,955 129,952 (68,003) XXX

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 136,910 XXX XXX

4. Totals (70,008) (2,176)

SCHEDULE P - PART 2K - FIDELITY/SURETY

1. Prior XXX XXX XXX XXX XXX XXX XXX 172,953 123,637 126,352 2,715 (46,601)

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 87,927 69,792 (18,135) XXX

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 125,128 XXX XXX

4. Totals (15,420) (46,601)

SCHEDULE P - PART 2L - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)

1. Prior XXX XXX XXX XXX XXX XXX XXX 107,512 116,385 99,105 (17,280) (8,406)

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 116,641 121,034 4,393 XXX

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 102,318 XXX XXX

4. Totals (12,887) (8,406)

SCHEDULE P - PART 2M - INTERNATIONAL

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

12. Totals

59

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 2N - REINSURANCENONPROPORTIONAL ASSUMED PROPERTY

Years in INCURRED NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END ($000 OMITTED) DEVELOPMENTWhich Losses Were Incurred

12009

22010

32011

42012

52013

62014

72015

82016

92017

102018

11One Year

12Two Year

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

12. Totals

SCHEDULE P - PART 2O - REINSURANCENONPROPORTIONAL ASSUMED LIABILITY

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

12. Totals

SCHEDULE P - PART 2P - REINSURANCENONPROPORTIONAL ASSUMED FINANCIAL LINES

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

12. Totals

60

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 2R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCEYears in INCURRED NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END ($000 OMITTED) DEVELOPMENT

Which Losses Were Incurred

12009

22010

32011

42012

52013

62014

72015

82016

92017

102018

11One Year

12Two Year

1. Prior 786,654 858,596 833,680 976,299 1,031,355 1,116,176 1,110,838 1,061,470 1,053,609 1,099,468 45,859 37,998

2. 2009 88,086 65,457 62,699 62,536 61,674 59,868 59,643 60,312 60,190 66,166 5,975 5,853

3. 2010 XXX 67,210 66,028 58,813 59,566 54,567 50,533 48,123 47,429 46,820 (609) (1,303)

4. 2011 XXX XXX 41,131 43,428 42,943 38,942 41,681 40,539 36,467 37,601 1,134 (2,938)

5. 2012 XXX XXX XXX 38,544 46,226 47,321 43,315 41,273 40,987 42,811 1,824 1,538

6. 2013 XXX XXX XXX XXX 47,482 43,161 41,274 44,874 44,021 44,600 579 (274)

7. 2014 XXX XXX XXX XXX XXX 52,545 47,249 43,654 35,346 36,434 1,088 (7,221)

8. 2015 XXX XXX XXX XXX XXX XXX 56,652 63,393 60,544 65,145 4,601 1,752

9. 2016 XXX XXX XXX XXX XXX XXX XXX 44,139 40,761 40,654 (107) (3,485)

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 33,965 43,305 9,340 XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 50,687 XXX XXX

12. Totals 69,684 31,920

SCHEDULE P - PART 2R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS-MADE

1. Prior 36,047 23,845 20,473 17,710 6,173 6,618 5,517 4,237 1,220 6,321 5,101 2,084

2. 2009 6,756 157 3,208 3,741 2,782 3,014 2,869 2,642 2,372 2,532 159 (110)

3. 2010 XXX 7,107 3,142 3,050 2,757 3,235 2,326 2,397 3,066 2,466 (600) 69

4. 2011 XXX XXX 3,274 3,794 4,208 3,785 3,444 3,319 2,066 3,089 1,023 (230)

5. 2012 XXX XXX XXX 1,202 1,538 1,558 1,884 2,176 1,378 4,039 2,662 1,864

6. 2013 XXX XXX XXX XXX 1,412 4,306 4,151 3,013 2,098 2,576 478 (436)

7. 2014 XXX XXX XXX XXX XXX 1,372 1,348 905 699 265 (434) (640)

8. 2015 XXX XXX XXX XXX XXX XXX 566 947 1,133 (364) (1,496) (1,311)

9. 2016 XXX XXX XXX XXX XXX XXX XXX 1,155 4,880 1,256 (3,623) 101

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 422 1,058 635 XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 447 XXX XXX

12. Totals 3,905 1,391

SCHEDULE P - PART 2S - FINANCIAL GUARANTY/MORTGAGE GUARANTY

1. Prior XXX XXX XXX XXX XXX XXX XXX

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX XXX

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

4. Totals

SCHEDULE P - PART 2T - WARRANTY

1. Prior XXX XXX XXX XXX XXX XXX XXX 15,757 12,652 13,771 1,119 (1,986)

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 15,080 13,614 (1,466) XXX

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 10,893 XXX XXX

4. Totals (347) (1,986)

61

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 3A - HOMEOWNERS/FARMOWNERSCUMULATIVE PAID NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END

($000 OMITTED)11

Number of12

Number ofYears inWhichLossesWere

Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

ClaimsClosedWithLoss

Payment

ClaimsClosedWithout

LossPayment

1. Prior 000 (1,071) (127) 3,353 3,244 4,794 4,815 4,774 4,772 4,775 27 67

2. 2009 21,782 29,675 31,052 31,365 31,832 31,994 32,082 32,089 32,088 32,089 93 28

3. 2010 XXX 8,446 11,206 11,560 11,725 11,784 11,828 11,869 11,876 11,873 175 28

4. 2011 XXX XXX 4,946 6,411 6,787 6,867 6,902 6,918 6,922 6,923 18 6

5. 2012 XXX XXX XXX 4,542 7,747 8,198 8,144 8,212 8,213 8,207 1

6. 2013 XXX XXX XXX XXX 4,452 6,343 7,057 7,195 7,245 7,256 1

7. 2014 XXX XXX XXX XXX XXX 4,482 6,898 7,608 7,997 8,040

8. 2015 XXX XXX XXX XXX XXX XXX 948 1,411 1,598 1,675

9. 2016 XXX XXX XXX XXX XXX XXX XXX 373 1,135 1,327

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 205 834

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 680 4

SCHEDULE P - PART 3B - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL1. Prior 000 2,280 4,336 5,893 5,271 4,634 4,569 5,076 5,140 5,527 5 639

2. 2009 307 1,057 3,796 4,766 5,337 1,947 1,905 1,114 985 849 1 1

3. 2010 XXX 458 1,692 3,180 5,019 2,684 2,595 1,256 830 628 1

4. 2011 XXX XXX 503 2,819 5,280 3,368 3,349 1,464 765 584

5. 2012 XXX XXX XXX 627 3,254 3,207 3,286 1,045 247 50

6. 2013 XXX XXX XXX XXX 735 2,859 3,365 1,160 521 469 1

7. 2014 XXX XXX XXX XXX XXX 675 1,028 104 61 29

8. 2015 XXX XXX XXX XXX XXX XXX 31 67

9. 2016 XXX XXX XXX XXX XXX XXX XXX (20) 1

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 8 (33) 7 3

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 5

SCHEDULE P - PART 3C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL1. Prior 000 187,719 325,311 407,456 451,655 476,940 477,244 480,851 479,760 481,928 14,885 3,896

2. 2009 33,088 82,097 140,702 185,904 215,430 228,913 236,078 239,378 240,865 242,426 47,060 30,553

3. 2010 XXX 37,298 99,386 156,649 210,525 247,720 263,654 271,814 277,113 278,388 52,253 30,802

4. 2011 XXX XXX 36,007 88,594 143,346 198,271 227,317 241,806 247,705 249,110 43,727 29,121

5. 2012 XXX XXX XXX 37,356 90,140 143,808 190,647 224,375 235,588 242,966 39,091 26,938

6. 2013 XXX XXX XXX XXX 34,589 84,942 140,748 199,515 227,714 243,695 39,829 28,210

7. 2014 XXX XXX XXX XXX XXX 31,518 81,063 143,744 191,383 228,415 39,771 29,737

8. 2015 XXX XXX XXX XXX XXX XXX 33,825 102,366 177,218 239,017 42,395 34,935

9. 2016 XXX XXX XXX XXX XXX XXX XXX 33,814 95,496 157,208 42,430 37,412

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 33,429 90,151 41,116 43,467

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 32,492 27,355 26,438

SCHEDULE P - PART 3D - WORKERS' COMPENSATION(EXCLUDING EXCESS WORKERS’ COMPENSATION)

1. Prior 000 304,343 578,355 801,347 1,019,086 1,210,904 1,360,028 1,509,661 1,654,820 1,782,255 83,999 20,736

2. 2009 105,961 242,171 321,431 380,177 438,406 475,439 504,032 524,088 540,496 553,398 202,184 44,587

3. 2010 XXX 100,760 243,117 328,472 393,480 443,111 481,339 505,350 526,069 541,279 203,864 45,671

4. 2011 XXX XXX 115,889 260,512 356,832 430,842 491,064 525,264 553,402 576,579 194,679 46,940

5. 2012 XXX XXX XXX 98,610 237,996 321,605 390,692 434,403 462,785 484,079 176,822 40,033

6. 2013 XXX XXX XXX XXX 106,428 239,315 331,685 398,238 440,879 471,429 174,375 39,802

7. 2014 XXX XXX XXX XXX XXX 90,170 201,709 271,593 318,444 355,680 177,083 42,151

8. 2015 XXX XXX XXX XXX XXX XXX 88,635 207,524 278,184 330,434 183,910 44,246

9. 2016 XXX XXX XXX XXX XXX XXX XXX 89,849 206,612 278,552 180,707 43,834

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 91,115 215,687 167,088 43,685

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 89,428 109,877 33,366

SCHEDULE P - PART 3E - COMMERCIAL MULTIPLE PERIL1. Prior 000 220,459 380,396 515,769 607,636 678,790 727,789 762,883 786,830 801,523 18,600 23,274

2. 2009 41,281 67,401 79,192 93,565 104,378 110,161 116,385 119,362 120,641 121,817 19,468 11,333

3. 2010 XXX 43,255 77,905 92,687 107,853 117,733 123,334 127,067 128,527 129,866 17,914 10,439

4. 2011 XXX XXX 73,732 121,520 138,662 151,125 159,884 166,754 173,471 179,627 21,302 11,509

5. 2012 XXX XXX XXX 86,567 179,771 193,610 199,864 212,429 214,697 218,447 20,246 11,166

6. 2013 XXX XXX XXX XXX 73,317 123,825 145,884 163,204 179,095 185,182 13,560 11,217

7. 2014 XXX XXX XXX XXX XXX 94,117 150,652 170,235 191,805 205,048 8,647 11,332

8. 2015 XXX XXX XXX XXX XXX XXX 81,565 127,457 152,746 175,396 6,580 11,963

9. 2016 XXX XXX XXX XXX XXX XXX XXX 84,893 147,825 179,304 5,370 10,270

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 100,180 172,383 5,139 9,639

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 88,697 3,420 6,890

62

Page 52: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 3F - SECTION 1 - MEDICAL PROFESSIONAL LIABILITY - OCCURRENCECUMULATIVE PAID NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END

($000 OMITTED)11

Number of12

Number ofYears inWhichLossesWere

Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

ClaimsClosedWithLoss

Payment

ClaimsClosedWithout

LossPayment

1. Prior 000 5,726 7,053 10,151 10,778 11,474 12,055 12,848 13,810 13,582 44 129

2. 2009 1 1 7 57 171 430 633 647 659 662 4 24

3. 2010 XXX 4 36 307 669 1,309 2,659 2,655 2,669 2,670 21 43

4. 2011 XXX XXX 9 169 1,593 1,745 2,697 2,829 2,876 2,882 36 80

5. 2012 XXX XXX XXX 15 207 674 958 1,039 1,322 1,329 41 77

6. 2013 XXX XXX XXX XXX 5 105 687 1,256 1,460 1,467 14 51

7. 2014 XXX XXX XXX XXX XXX 3 105 136 194 218 6 25

8. 2015 XXX XXX XXX XXX XXX XXX 446 456 465 2 8

9. 2016 XXX XXX XXX XXX XXX XXX XXX 5 27 42 7

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 27

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 9

SCHEDULE P - PART 3F - SECTION 2 - MEDICAL PROFESSIONAL LIABILITY - CLAIMS-MADE1. Prior 000 28,871 61,144 70,551 87,935 95,743 96,248 96,854 108,660 111,219 520 586

2. 2009 248 10,619 21,348 45,561 57,830 64,713 65,089 67,395 67,593 67,772 193 6,302

3. 2010 XXX 349 4,506 13,866 19,902 24,210 28,498 33,761 34,477 35,679 188 4,748

4. 2011 XXX XXX 181 2,532 7,497 23,665 36,919 40,207 43,319 54,533 137 4,674

5. 2012 XXX XXX XXX 1,660 13,643 21,928 25,120 27,691 28,963 32,154 143 4,537

6. 2013 XXX XXX XXX XXX 261 5,248 22,116 28,830 35,503 36,000 114 3,159

7. 2014 XXX XXX XXX XXX XXX 486 8,413 34,480 47,777 60,374 74 2,615

8. 2015 XXX XXX XXX XXX XXX XXX 400 7,164 25,432 36,979 80 2,566

9. 2016 XXX XXX XXX XXX XXX XXX XXX 1,301 9,919 24,848 47 2,166

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 1,239 7,507 30 2,228

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 854 2 1,996

SCHEDULE P - PART 3G - SPECIAL LIABILITY (OCEAN MARINE, AIRCRAFT (ALL PERILS), BOILER AND MACHINERY)

1. Prior 000 10,073 14,312 20,833 22,171 23,159 22,919 22,749 21,506 21,344 XXX XXX

2. 2009 5,481 22,393 26,288 27,020 27,181 27,090 27,105 27,133 27,222 27,250 XXX XXX

3. 2010 XXX 10,428 21,377 24,826 25,020 25,727 33,193 33,292 33,283 33,510 XXX XXX

4. 2011 XXX XXX 15,374 37,226 41,567 52,705 54,873 56,421 56,420 56,556 XXX XXX

5. 2012 XXX XXX XXX 14,107 24,267 23,385 26,271 26,853 27,411 28,384 XXX XXX

6. 2013 XXX XXX XXX XXX 23,634 38,418 40,452 41,449 41,604 41,677 XXX XXX

7. 2014 XXX XXX XXX XXX XXX 15,124 35,535 36,780 39,673 40,073 XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX 15,304 26,286 28,749 29,508 XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX 5,132 12,265 14,512 XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 3,443 11,591 XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 6,913 XXX XXX

SCHEDULE P - PART 3H - SECTION 1 - OTHER LIABILITY - OCCURRENCE1. Prior 000 631,170 1,072,759 1,430,084 1,681,014 1,893,703 2,151,583 2,325,887 2,474,206 2,605,975 22,730 29,928

2. 2009 33,025 95,261 184,598 284,425 389,364 443,782 474,747 493,208 516,865 537,618 22,806 58,230

3. 2010 XXX 17,260 103,796 217,982 346,016 436,162 481,532 527,167 565,358 581,977 20,670 65,524

4. 2011 XXX XXX 23,447 69,814 156,005 244,042 351,840 402,186 459,799 486,776 19,709 61,520

5. 2012 XXX XXX XXX 15,697 68,429 164,982 265,912 334,530 399,030 438,800 18,687 52,587

6. 2013 XXX XXX XXX XXX 16,085 99,330 244,147 345,606 432,445 494,052 21,511 50,164

7. 2014 XXX XXX XXX XXX XXX 14,021 62,489 171,875 268,619 370,374 21,859 49,020

8. 2015 XXX XXX XXX XXX XXX XXX 33,315 114,978 209,920 321,523 22,211 49,492

9. 2016 XXX XXX XXX XXX XXX XXX XXX 17,090 60,102 149,638 28,579 47,366

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 12,204 76,658 28,095 44,086

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 13,273 17,077 32,260

SCHEDULE P - PART 3H - SECTION 2 - OTHER LIABILITY - CLAIMS-MADE1. Prior 000 239,566 396,663 525,881 627,094 695,845 757,513 785,773 810,427 822,249 3,023 1,116

2. 2009 17,119 80,842 146,026 258,002 314,486 356,175 390,352 405,671 417,406 418,505 2,704 10,730

3. 2010 XXX 23,972 69,329 125,444 177,021 202,201 246,827 268,099 274,614 283,668 2,079 9,821

4. 2011 XXX XXX 12,026 63,403 132,968 180,521 223,707 250,456 270,505 283,162 1,834 9,480

5. 2012 XXX XXX XXX 12,530 55,648 106,311 159,274 195,801 247,080 251,766 1,530 8,562

6. 2013 XXX XXX XXX XXX 6,427 44,974 96,577 133,418 186,184 197,496 1,432 8,655

7. 2014 XXX XXX XXX XXX XXX 10,555 50,537 93,505 134,677 158,300 1,244 8,966

8. 2015 XXX XXX XXX XXX XXX XXX 19,232 59,498 109,297 140,744 1,379 8,432

9. 2016 XXX XXX XXX XXX XXX XXX XXX 11,937 65,501 120,876 1,285 8,010

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 9,504 49,832 1,053 6,593

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 11,900 451 3,419

63

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 3I - SPECIAL PROPERTY (FIRE, ALLIED LINES, INLAND MARINE, EARTHQUAKE, BURGLARY, AND THEFT)

CUMULATIVE PAID NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END($000 OMITTED)

11Number of

12Number of

Years inWhichLossesWere

Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

ClaimsClosedWithLoss

Payment

ClaimsClosedWithout

LossPayment

1. Prior XXX XXX XXX XXX XXX XXX XXX 000 378,009 424,640 XXX XXX

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 494,642 802,675 XXX XXX

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 520,090 XXX XXX

SCHEDULE P - PART 3J - AUTO PHYSICAL DAMAGE

1. Prior XXX XXX XXX XXX XXX XXX XXX 000 12,418 11,187 1,924

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 157,173 145,870 30,395 44,726

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 121,084 24,222 32,079

SCHEDULE P - PART 3K - FIDELITY/SURETY

1. Prior XXX XXX XXX XXX XXX XXX XXX 000 39,327 107,517 XXX XXX

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 8,796 39,288 XXX XXX

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 43,267 XXX XXX

SCHEDULE P - PART 3L - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)

1. Prior XXX XXX XXX XXX XXX XXX XXX 000 52,987 69,830 XXX XXX

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 56,383 102,735 XXX XXX

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 46,993 XXX XXX

SCHEDULE P - PART 3M - INTERNATIONAL

1. Prior 000 XXX XXX

2. 2009 XXX XXX

3. 2010 XXX XXX XXX

4. 2011 XXX XXX XXX XXX

5. 2012 XXX XXX XXX XXX XXX

6. 2013 XXX XXX XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

64

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 3N - REINSURANCENONPROPORTIONAL ASSUMED PROPERTY

CUMULATIVE PAID NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END($000 OMITTED)

11Number of

12Number of

Years inWhichLossesWere

Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

ClaimsClosedWithLoss

Payment

ClaimsClosedWithout

LossPayment

1. Prior 000 XXX XXX

2. 2009 XXX XXX

3. 2010 XXX XXX XXX

4. 2011 XXX XXX XXX XXX

5. 2012 XXX XXX XXX XXX XXX

6. 2013 XXX XXX XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

SCHEDULE P - PART 3O - REINSURANCENONPROPORTIONAL ASSUMED LIABILITY

1. Prior 000 XXX XXX

2. 2009 XXX XXX

3. 2010 XXX XXX XXX

4. 2011 XXX XXX XXX XXX

5. 2012 XXX XXX XXX XXX XXX

6. 2013 XXX XXX XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

SCHEDULE P - PART 3P - REINSURANCENONPROPORTIONAL ASSUMED FINANCIAL LINES

1. Prior 000 XXX XXX

2. 2009 XXX XXX

3. 2010 XXX XXX XXX

4. 2011 XXX XXX XXX XXX

5. 2012 XXX XXX XXX XXX XXX

6. 2013 XXX XXX XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

65

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 3R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCECUMULATIVE PAID NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END

($000 OMITTED)11

Number of12

Number ofYears inWhichLossesWere

Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

ClaimsClosedWithLoss

Payment

ClaimsClosedWithout

LossPayment

1. Prior 000 111,932 116,090 267,252 380,092 512,943 574,914 618,610 676,687 731,811 5,538 10,883

2. 2009 2,906 4,090 9,860 17,233 24,558 28,895 30,706 35,007 36,695 51,107 2,239 7,447

3. 2010 XXX 389 8,505 11,860 19,387 23,960 29,091 31,172 34,796 36,651 1,523 7,860

4. 2011 XXX XXX 152 2,920 8,716 11,545 21,712 24,234 25,243 28,757 1,336 7,471

5. 2012 XXX XXX XXX 193 4,392 15,864 18,904 20,598 28,346 28,937 1,138 6,841

6. 2013 XXX XXX XXX XXX 678 2,719 7,778 17,556 21,929 24,613 957 6,086

7. 2014 XXX XXX XXX XXX XXX 1,734 5,986 6,507 9,312 10,460 708 4,681

8. 2015 XXX XXX XXX XXX XXX XXX 131 1,842 18,412 33,890 684 5,058

9. 2016 XXX XXX XXX XXX XXX XXX XXX 225 2,493 6,141 476 3,716

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 171 1,833 323 3,014

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 343 198 1,827

SCHEDULE P - PART 3R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS-MADE

1. Prior 000 1,093 1,470 2,048 2,114 2,749 2,735 2,734 2,738 2,740 109 335

2. 2009 391 1,199 1,604 2,070 2,364 2,374 2,367 2,362 2,362 2,362 70 531

3. 2010 XXX 16 692 1,217 1,517 1,449 1,719 2,301 2,300 2,301 30 112

4. 2011 XXX XXX 1,351 1,875 2,906 3,041 3,271 2,953 2,954 2,954 32 55

5. 2012 XXX XXX XXX 85 700 740 747 747 1,110 3,439 25 70

6. 2013 XXX XXX XXX XXX (8) 788 1,044 1,958 1,998 2,352 10 60

7. 2014 XXX XXX XXX XXX XXX (2) (16) (30) (30) (30) 1 47

8. 2015 XXX XXX XXX XXX XXX XXX (1) (1) 6 29

9. 2016 XXX XXX XXX XXX XXX XXX XXX (1) (5) (5) 1 45

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX (8) 35

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 27

SCHEDULE P - PART 3S - FINANCIAL GUARANTY/MORTGAGE GUARANTY

1. Prior XXX XXX XXX XXX XXX XXX XXX 000 XXX XXX

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

SCHEDULE P - PART 3T - WARRANTY

1. Prior XXX XXX XXX XXX XXX XXX XXX 000 2,539 2,871 142,998 32

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 12,685 13,253 152,421 35,777

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 9,520 164,585 34,692

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 4A - HOMEOWNERS/FARMOWNERSBULK AND IBNR RESERVES ON NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END ($000 OMITTED)

Years inWhichLossesWere

Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 3,206 3,300 2,463 996 442 328 269 35 35 35

2. 2009 7,777 1,809 646 915 78 111 76 73

3. 2010 XXX 1,683 816 637 292 292 234 47

4. 2011 XXX XXX 279 599 151 55 50 14

5. 2012 XXX XXX XXX 756 378 77 (50) 10

6. 2013 XXX XXX XXX XXX 1,186 (820) (788) 33

7. 2014 XXX XXX XXX XXX XXX (1) (1,043) 132

8. 2015 XXX XXX XXX XXX XXX XXX 125 28

9. 2016 XXX XXX XXX XXX XXX XXX XXX 395 16

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 19 16

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 94

SCHEDULE P - PART 4B - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL1. Prior 523 1,965 1,855 (2) 11 13 13 12 12 13

2. 2009

3. 2010 XXX 4

4. 2011 XXX XXX 1

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 37 (2)

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

SCHEDULE P - PART 4C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL1. Prior 230,768 109,255 44,191 27,572 18,766 12,183 6,881 3,789 2,267 2,180

2. 2009 170,658 104,547 51,206 22,697 11,319 5,441 3,092 36 696 48

3. 2010 XXX 167,642 85,017 38,564 20,123 10,501 6,127 4,864 1,973 908

4. 2011 XXX XXX 141,845 75,587 44,297 22,568 11,191 6,636 3,012 1,743

5. 2012 XXX XXX XXX 132,408 84,055 52,701 27,963 15,913 6,097 3,957

6. 2013 XXX XXX XXX XXX 143,259 89,679 63,802 31,532 13,136 6,476

7. 2014 XXX XXX XXX XXX XXX 155,006 121,021 75,159 28,176 15,871

8. 2015 XXX XXX XXX XXX XXX XXX 209,995 139,729 65,432 33,138

9. 2016 XXX XXX XXX XXX XXX XXX XXX 199,684 131,078 72,960

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 199,076 120,117

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 163,251

SCHEDULE P - PART 4D - WORKERS' COMPENSATION(EXCLUDING EXCESS WORKERS’ COMPENSATION)

1. Prior 1,929,796 1,681,095 1,554,824 1,405,929 1,308,775 1,261,276 1,139,802 1,085,374 1,054,266 998,628

2. 2009 453,409 346,675 262,228 220,050 192,722 167,927 142,949 129,349 116,215 112,636

3. 2010 XXX 526,767 353,085 278,614 220,081 187,849 170,336 148,724 133,619 123,422

4. 2011 XXX XXX 550,286 370,757 272,324 209,480 183,808 155,515 139,645 124,994

5. 2012 XXX XXX XXX 554,599 333,265 255,614 200,644 167,918 153,876 137,676

6. 2013 XXX XXX XXX XXX 561,873 354,904 270,434 241,543 203,336 174,556

7. 2014 XXX XXX XXX XXX XXX 578,322 413,008 344,858 262,573 210,846

8. 2015 XXX XXX XXX XXX XXX XXX 629,282 459,540 359,049 276,903

9. 2016 XXX XXX XXX XXX XXX XXX XXX 600,725 420,381 316,951

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 572,758 421,012

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 477,890

SCHEDULE P - PART 4E - COMMERCIAL MULTIPLE PERIL1. Prior 690,925 580,445 422,577 279,849 200,707 134,713 98,296 92,721 79,085 51,305

2. 2009 95,632 41,806 28,069 16,390 12,276 9,780 8,384 5,419 4,226 5,104

3. 2010 XXX 61,179 30,609 17,854 12,054 8,798 7,264 5,499 3,874 2,672

4. 2011 XXX XXX 63,212 30,275 19,524 14,104 10,220 8,153 5,227 3,672

5. 2012 XXX XXX XXX 58,951 33,583 20,560 13,645 8,491 7,730 4,822

6. 2013 XXX XXX XXX XXX 62,502 32,580 21,008 11,946 8,959 5,504

7. 2014 XXX XXX XXX XXX XXX 64,410 35,271 23,745 16,274 9,095

8. 2015 XXX XXX XXX XXX XXX XXX 69,533 40,397 42,090 18,853

9. 2016 XXX XXX XXX XXX XXX XXX XXX 62,616 52,654 35,789

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 115,783 62,509

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 73,736

67

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 4F - SECTION 1 - MEDICAL PROFESSIONAL LIABILITY - OCCURRENCEBULK AND IBNR RESERVES ON NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END ($000 OMITTED)

Years inWhichLossesWere

Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 521 (175) (936) (1,398) 302 30 30 (13) (32) (29)

2. 2009 919 570 406 328 126 62 32 18 7 6

3. 2010 XXX 714 165 311 315 207 73 25 15 3

4. 2011 XXX XXX 1,792 1,297 732 335 478 58 15 6

5. 2012 XXX XXX XXX 886 361 798 377 72 30 10

6. 2013 XXX XXX XXX XXX 596 373 423 241 154 30

7. 2014 XXX XXX XXX XXX XXX 831 791 823 418 127

8. 2015 XXX XXX XXX XXX XXX XXX 1,335 928 469 369

9. 2016 XXX XXX XXX XXX XXX XXX XXX 538 654 310

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 257 348

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 65

SCHEDULE P - PART 4F - SECTION 2 - MEDICAL PROFESSIONAL LIABILITY - CLAIMS-MADE1. Prior 102,284 73,201 22,565 (8,131) 1,952 (3,436) (512) (153) (153) (101)

2. 2009 79,846 53,532 32,206 15,225 5,439 (72) 5 (1) (234)

3. 2010 XXX 65,720 48,715 25,898 11,273 (1,717) 82 273 581 10

4. 2011 XXX XXX 52,486 40,048 20,330 8,824 2,291 (698) 1,754 (773)

5. 2012 XXX XXX XXX 48,665 34,445 22,776 10,648 5,325 2,925 2,251

6. 2013 XXX XXX XXX XXX 48,410 31,417 22,085 12,098 10,104 8,650

7. 2014 XXX XXX XXX XXX XXX 46,908 36,531 11,084 14,652 12,731

8. 2015 XXX XXX XXX XXX XXX XXX 48,506 35,737 21,797 22,173

9. 2016 XXX XXX XXX XXX XXX XXX XXX 45,274 38,574 22,703

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 42,602 44,232

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 51,005

SCHEDULE P - PART 4G - SPECIAL LIABILITY (OCEAN MARINE, AIRCRAFT (ALL PERILS), BOILER AND MACHINERY)

1. Prior 3,822 2,293 3,735 212 317 207 181 190 155 102

2. 2009 5,997 2,545 1,493 (6) (91) 50 28 2 13 13

3. 2010 XXX 7,242 2,476 98 79 167 (555) 13 4 4

4. 2011 XXX XXX 10,103 694 492 41 (178) (29) 21 21

5. 2012 XXX XXX XXX 3,133 (92) 922 19 (65) 21 6

6. 2013 XXX XXX XXX XXX 8,210 1,008 156 (104) 63 91

7. 2014 XXX XXX XXX XXX XXX 11,045 481 (112) 436 648

8. 2015 XXX XXX XXX XXX XXX XXX 9,558 535 231 470

9. 2016 XXX XXX XXX XXX XXX XXX XXX 6,693 1,162 171

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 6,813 503

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 7,622

SCHEDULE P - PART 4H - SECTION 1 - OTHER LIABILITY - OCCURRENCE1. Prior 2,399,682 1,880,622 1,537,975 1,264,330 996,704 815,338 700,325 622,357 544,017 448,842

2. 2009 695,079 541,623 396,629 271,187 195,455 147,159 115,151 97,593 65,325 43,358

3. 2010 XXX 571,943 502,283 348,855 246,542 186,110 161,839 110,420 86,908 65,713

4. 2011 XXX XXX 495,458 424,752 298,888 207,612 145,717 118,710 98,435 78,960

5. 2012 XXX XXX XXX 473,904 386,419 278,681 202,685 146,407 108,031 89,398

6. 2013 XXX XXX XXX XXX 501,544 386,440 304,521 208,951 165,848 114,781

7. 2014 XXX XXX XXX XXX XXX 527,390 461,316 350,496 234,040 171,780

8. 2015 XXX XXX XXX XXX XXX XXX 602,045 483,130 343,118 249,185

9. 2016 XXX XXX XXX XXX XXX XXX XXX 499,558 419,021 332,619

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 442,468 381,803

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 350,696

SCHEDULE P - PART 4H - SECTION 2 - OTHER LIABILITY - CLAIMS-MADE1. Prior 495,364 349,446 247,842 138,756 87,625 61,657 39,418 36,489 32,617 25,341

2. 2009 354,646 254,821 155,368 111,859 77,108 43,124 35,397 15,406 19,121 12,655

3. 2010 XXX 317,823 248,413 170,643 101,526 70,582 38,865 32,848 26,426 27,027

4. 2011 XXX XXX 289,774 200,878 126,190 85,482 51,811 40,754 28,057 26,783

5. 2012 XXX XXX XXX 245,345 185,278 124,480 87,673 56,013 60,589 32,683

6. 2013 XXX XXX XXX XXX 242,702 176,401 110,086 69,512 61,169 30,086

7. 2014 XXX XXX XXX XXX XXX 227,442 166,884 108,762 78,591 51,804

8. 2015 XXX XXX XXX XXX XXX XXX 229,035 185,108 123,018 96,656

9. 2016 XXX XXX XXX XXX XXX XXX XXX 208,190 151,607 91,468

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 188,876 129,502

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 157,733

68

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 4I - SPECIAL PROPERTY (FIRE, ALLIED LINES, INLAND MARINE, EARTHQUAKE, BURGLARY, AND THEFT)

BULK AND IBNR RESERVES ON NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END ($000 OMITTED)Years inWhichLossesWere

Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior XXX XXX XXX XXX XXX XXX XXX 262,078 7,431 1,678

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 156,767 61,384

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 279,109

SCHEDULE P - PART 4J - AUTO PHYSICAL DAMAGE

1. Prior XXX XXX XXX XXX XXX XXX XXX 3,735 (452) (378)

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 28,311 (1,351)

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 5,851

SCHEDULE P - PART 4K - FIDELITY/SURETY

1. Prior XXX XXX XXX XXX XXX XXX XXX 96,927 12,993 (1,055)

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 65,989 14,589

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 46,614

SCHEDULE P - PART 4L - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)

1. Prior XXX XXX XXX XXX XXX XXX XXX 63,350 35,950 15,889

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 41,412 10,236

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 31,222

SCHEDULE P - PART 4M - INTERNATIONAL

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

69

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 4N - REINSURANCENONPROPORTIONAL ASSUMED PROPERTY

BULK AND IBNR RESERVES ON NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END ($000 OMITTED)Years inWhichLossesWere

Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

SCHEDULE P - PART 4O - REINSURANCENONPROPORTIONAL ASSUMED LIABILITY

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

SCHEDULE P - PART 4P - REINSURANCENONPROPORTIONAL ASSUMED FINANCIAL LINES

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

70

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 4R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCEBULK AND IBNR RESERVES ON NET LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END ($000 OMITTED)

Years inWhichLossesWere

Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 494,357 422,935 337,248 340,600 291,463 279,930 249,760 209,940 152,860 164,578

2. 2009 76,963 49,922 40,832 30,838 23,641 18,912 16,899 12,730 8,511 7,679

3. 2010 XXX 61,466 49,929 34,992 26,090 19,055 15,356 12,468 10,022 7,952

4. 2011 XXX XXX 39,236 34,511 26,243 12,786 14,240 12,417 8,071 7,233

5. 2012 XXX XXX XXX 36,957 28,747 24,668 18,570 15,214 9,734 8,375

6. 2013 XXX XXX XXX XXX 45,386 34,646 26,311 21,282 18,040 16,612

7. 2014 XXX XXX XXX XXX XXX 46,225 39,498 34,034 22,799 20,818

8. 2015 XXX XXX XXX XXX XXX XXX 52,490 40,797 30,721 24,045

9. 2016 XXX XXX XXX XXX XXX XXX XXX 41,222 31,811 27,568

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 32,456 37,504

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 38,583

SCHEDULE P - PART 4R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS-MADE

1. Prior 34,053 21,185 18,022 18,071 3,754 3,764 2,686 1,435 (1,581) 3,519

2. 2009 6,309 (1,456) 1,070 1,050 386 601 502 280 11 170

3. 2010 XXX 6,750 1,797 1,287 782 783 (38) 97 765 166

4. 2011 XXX XXX 1,427 1,259 1,106 685 142 365 (888) 135

5. 2012 XXX XXX XXX 65 658 480 832 1,142 (40) 293

6. 2013 XXX XXX XXX XXX 1,280 1,236 707 314 (254) 223

7. 2014 XXX XXX XXX XXX XXX 1,373 1,364 935 729 295

8. 2015 XXX XXX XXX XXX XXX XXX 553 947 1,134 (363)

9. 2016 XXX XXX XXX XXX XXX XXX XXX 1,153 4,885 1,261

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 422 1,065

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 447

SCHEDULE P - PART 4S - FINANCIAL GUARANTY/MORTGAGE GUARANTY

1. Prior XXX XXX XXX XXX XXX XXX XXX

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

SCHEDULE P - PART 4T - WARRANTY

1. Prior XXX XXX XXX XXX XXX XXX XXX 14,731 10,015 10,480

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 1,709 291

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 882

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 5A - HOMEOWNERS/FARMOWNERSSECTION 1

CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR ENDYears in Which

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 51 19 8

2. 2009 24 85 93 93 93 93 93 93 93 93

3. 2010 XXX 100 175 175 175 175 175 175 175 175

4. 2011 XXX XXX 18 18 18 18 18 18 18 18

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX 1 1 1 1 1 1

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 4

SECTION 2NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 58 42 32

2. 2009 59 22 12

3. 2010 XXX 99 26

4. 2011 XXX XXX 52

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX 1

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

SECTION 3CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 3 6 (32)

2. 2009 102 132 133 121 121 121 121 121 121 121

3. 2010 XXX 227 229 203 203 203 203 203 203 203

4. 2011 XXX XXX 76 24 24 24 24 24 24 24

5. 2012 XXX XXX XXX 1 1 1 1 1

6. 2013 XXX XXX XXX XXX 1 1 1 1 1 1

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX 1

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 4

72

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 5B - PRIVATE PASSENGER AUTO LIABILITY/MEDICALSECTION 1

CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR ENDYears in Which

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 18 3 1 1

2. 2009 1 1 1 1 1 1 1 1 1 1

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 5 7

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

SECTION 2NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 19 6 5 2 2 2 2 2 2 2

2. 2009

3. 2010 XXX 2

4. 2011 XXX XXX 1

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 3

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

SECTION 3CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior (4) (13) 3 (2) 1

2. 2009 2 2 2 2 2 2 2 2 2 2

3. 2010 XXX 3 1 1 1 1 1 1 1 1

4. 2011 XXX XXX 1

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX 1 1 1

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX 1 1

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 10 10

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

73

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 5C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICALSECTION 1

CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR ENDYears in Which

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 20,338 7,600 3,283 1,839 1,036 627 182 202 81 35

2. 2009 27,094 40,334 43,621 45,218 46,312 46,723 46,876 46,961 47,014 47,060

3. 2010 XXX 31,322 44,871 48,081 50,442 51,518 51,914 52,121 52,222 52,253

4. 2011 XXX XXX 25,579 37,021 40,102 42,031 42,941 43,283 43,649 43,727

5. 2012 XXX XXX XXX 22,568 33,100 36,475 37,873 38,575 38,946 39,091

6. 2013 XXX XXX XXX XXX 22,806 34,068 37,187 38,709 39,533 39,829

7. 2014 XXX XXX XXX XXX XXX 23,024 34,383 37,421 39,013 39,771

8. 2015 XXX XXX XXX XXX XXX XXX 24,758 37,286 40,881 42,395

9. 2016 XXX XXX XXX XXX XXX XXX XXX 25,031 38,919 42,430

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 26,003 41,116

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 27,355

SECTION 2NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 13,800 8,553 5,050 2,829 1,293 725 484 338 267 233

2. 2009 17,062 6,757 3,615 2,245 870 492 357 273 201 174

3. 2010 XXX 17,661 7,497 4,940 2,071 966 580 401 271 241

4. 2011 XXX XXX 14,798 6,335 3,741 2,003 1,077 704 310 232

5. 2012 XXX XXX XXX 14,504 5,842 2,978 1,592 852 486 368

6. 2013 XXX XXX XXX XXX 14,665 5,674 3,011 1,558 770 484

7. 2014 XXX XXX XXX XXX XXX 15,386 5,798 3,012 1,610 852

8. 2015 XXX XXX XXX XXX XXX XXX 16,996 6,238 3,226 1,897

9. 2016 XXX XXX XXX XXX XXX XXX XXX 17,941 6,781 4,328

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 19,750 9,502

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 21,620

SECTION 3CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 10,877 6,690 1,060 856 468 313 10 179 150 47

2. 2009 65,187 74,874 76,416 77,222 77,485 77,640 77,701 77,738 77,749 77,787

3. 2010 XXX 69,516 80,157 82,056 82,766 83,050 83,180 83,249 83,282 83,296

4. 2011 XXX XXX 61,627 70,329 71,932 72,647 72,912 72,989 73,046 73,080

5. 2012 XXX XXX XXX 56,010 63,892 65,460 66,041 66,230 66,334 66,397

6. 2013 XXX XXX XXX XXX 57,777 66,086 67,667 68,225 68,438 68,523

7. 2014 XXX XXX XXX XXX XXX 59,515 68,000 69,467 70,157 70,360

8. 2015 XXX XXX XXX XXX XXX XXX 67,113 76,737 78,604 79,227

9. 2016 XXX XXX XXX XXX XXX XXX XXX 69,342 81,779 84,170

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 80,269 94,085

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 75,413

74

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 5D - WORKERS' COMPENSATION(EXCLUDING EXCESS WORKERS’ COMPENSATION)

SECTION 1CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 123,928 28,730 16,847 11,492 8,338 5,893 4,222 3,296 2,853 2,328

2. 2009 123,526 175,734 186,397 192,612 196,454 198,734 200,042 200,993 201,684 202,184

3. 2010 XXX 122,848 177,959 189,550 195,712 198,983 200,907 202,218 203,183 203,864

4. 2011 XXX XXX 118,466 171,685 182,276 187,665 190,691 192,584 193,819 194,679

5. 2012 XXX XXX XXX 106,947 155,992 166,025 170,923 173,848 175,647 176,822

6. 2013 XXX XXX XXX XXX 103,790 153,949 164,433 169,719 172,654 174,375

7. 2014 XXX XXX XXX XXX XXX 104,190 158,082 168,748 174,206 177,083

8. 2015 XXX XXX XXX XXX XXX XXX 109,305 166,434 178,152 183,910

9. 2016 XXX XXX XXX XXX XXX XXX XXX 110,454 168,943 180,707

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 108,796 167,088

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 109,877

SECTION 2NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 68,102 47,739 35,490 28,134 22,377 18,709 16,238 14,191 12,573 11,202

2. 2009 57,015 22,135 13,614 8,501 5,366 3,773 2,834 2,161 1,756 1,462

3. 2010 XXX 58,616 21,685 12,426 7,474 5,113 3,703 2,697 2,137 1,694

4. 2011 XXX XXX 56,678 19,079 11,160 7,086 4,815 3,321 2,543 1,979

5. 2012 XXX XXX XXX 53,426 17,739 10,363 6,400 4,159 2,927 2,133

6. 2013 XXX XXX XXX XXX 54,577 18,313 10,369 6,131 3,994 2,762

7. 2014 XXX XXX XXX XXX XXX 57,827 18,568 10,264 5,984 3,845

8. 2015 XXX XXX XXX XXX XXX XXX 63,183 20,181 10,957 6,469

9. 2016 XXX XXX XXX XXX XXX XXX XXX 63,509 20,083 10,772

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 63,414 19,447

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 60,573

SECTION 3CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 69,720 11,623 7,029 6,070 4,247 3,662 2,555 1,794 2,110 1,437

2. 2009 213,669 239,057 242,601 244,324 245,491 246,590 247,058 247,462 247,889 248,233

3. 2010 XXX 214,352 242,611 246,104 247,874 249,292 249,948 250,357 250,879 251,229

4. 2011 XXX XXX 211,634 235,552 239,024 241,006 241,972 242,527 243,143 243,598

5. 2012 XXX XXX XXX 190,674 211,726 215,375 216,720 217,653 218,403 218,988

6. 2013 XXX XXX XXX XXX 187,052 209,378 212,659 214,318 215,785 216,939

7. 2014 XXX XXX XXX XXX XXX 192,903 216,531 219,963 221,883 223,079

8. 2015 XXX XXX XXX XXX XXX XXX 205,708 229,400 232,889 234,625

9. 2016 XXX XXX XXX XXX XXX XXX XXX 206,863 231,881 235,313

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 205,461 230,220

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 203,816

75

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 5E - COMMERCIAL MULTIPLE PERILSECTION 1

CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR ENDYears in Which

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 11,293 4,601 3,700 2,969 2,129 1,565 1,414 1,020 750 452

2. 2009 13,567 16,949 18,101 18,527 19,040 19,249 19,350 19,396 19,447 19,468

3. 2010 XXX 12,007 15,964 16,838 17,329 17,659 17,772 17,827 17,902 17,914

4. 2011 XXX XXX 14,906 18,869 19,864 20,671 20,959 21,082 21,246 21,302

5. 2012 XXX XXX XXX 13,658 17,887 19,196 19,675 19,850 20,157 20,246

6. 2013 XXX XXX XXX XXX 8,056 11,739 12,579 12,928 13,422 13,560

7. 2014 XXX XXX XXX XXX XXX 5,411 7,421 7,920 8,413 8,647

8. 2015 XXX XXX XXX XXX XXX XXX 3,724 5,581 6,158 6,580

9. 2016 XXX XXX XXX XXX XXX XXX XXX 3,171 4,828 5,370

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 3,228 5,139

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 3,420

SECTION 2NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 12,030 9,851 8,491 7,092 6,656 5,632 4,066 2,749 1,706 1,160

2. 2009 4,667 2,559 1,439 1,037 476 273 189 146 94 87

3. 2010 XXX 4,843 2,132 1,285 740 342 208 166 72 62

4. 2011 XXX XXX 5,474 2,631 1,674 843 487 393 192 149

5. 2012 XXX XXX XXX 5,762 2,621 1,349 784 635 255 155

6. 2013 XXX XXX XXX XXX 6,085 2,080 1,229 923 321 172

7. 2014 XXX XXX XXX XXX XXX 4,456 1,596 1,206 562 287

8. 2015 XXX XXX XXX XXX XXX XXX 4,207 1,548 990 546

9. 2016 XXX XXX XXX XXX XXX XXX XXX 3,429 1,231 835

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 4,040 1,371

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 3,739

SECTION 3CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 21,722 10,206 8,384 7,624 6,600 4,399 2,766 1,902 1,083 652

2. 2009 25,197 28,954 29,897 30,274 30,507 30,639 30,732 30,796 30,851 30,888

3. 2010 XXX 22,775 26,928 27,718 28,051 28,195 28,277 28,346 28,385 28,415

4. 2011 XXX XXX 27,359 31,383 32,233 32,580 32,748 32,852 32,918 32,960

5. 2012 XXX XXX XXX 26,237 30,295 31,023 31,320 31,467 31,534 31,567

6. 2013 XXX XXX XXX XXX 21,042 23,813 24,536 24,797 24,901 24,949

7. 2014 XXX XXX XXX XXX XXX 17,466 19,466 20,022 20,209 20,266

8. 2015 XXX XXX XXX XXX XXX XXX 16,615 18,416 18,898 19,089

9. 2016 XXX XXX XXX XXX XXX XXX XXX 14,354 16,000 16,475

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 14,442 16,149

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 14,049

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 5F - MEDICAL PROFESSIONAL LIABILITY - OCCURRENCESECTION 1A

Years in CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR ENDYears in Which

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 81 13 12 6 4 2 1 6

2. 2009 1 1 2 3 4 4

3. 2010 XXX 6 8 9 10 11 16 19 21 21

4. 2011 XXX XXX 5 16 25 28 32 33 36 36

5. 2012 XXX XXX XXX 5 20 28 31 39 41 41

6. 2013 XXX XXX XXX XXX 1 7 9 13 13 14

7. 2014 XXX XXX XXX XXX XXX 1 2 3 5 6

8. 2015 XXX XXX XXX XXX XXX XXX 2 2 2

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

SECTION 2AYears in NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 72 47 34 18 13 11 9 8 1

2. 2009 3 3 2 10 5 6 3 1 3

3. 2010 XXX 6 8 11 15 11 5 1

4. 2011 XXX XXX 21 20 14 14 6 4 2 1

5. 2012 XXX XXX XXX 34 19 12 11 3 3 1

6. 2013 XXX XXX XXX XXX 23 14 12 4 2 1

7. 2014 XXX XXX XXX XXX XXX 10 5 5 2 2

8. 2015 XXX XXX XXX XXX XXX XXX 3 5 5 2

9. 2016 XXX XXX XXX XXX XXX XXX XXX 7

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 6

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 13

SECTION 3AYears in CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 35 20 13 6 11 4 1 1 2 (1)

2. 2009 7 9 13 23 24 27 27 27 30 28

3. 2010 XXX 19 36 47 57 60 62 62 65 64

4. 2011 XXX XXX 67 95 107 114 114 115 117 117

5. 2012 XXX XXX XXX 68 104 112 118 119 121 119

6. 2013 XXX XXX XXX XXX 53 59 63 61 64 66

7. 2014 XXX XXX XXX XXX XXX 23 27 29 32 33

8. 2015 XXX XXX XXX XXX XXX XXX 8 12 15 12

9. 2016 XXX XXX XXX XXX XXX XXX XXX 8 1 7

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 33

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 22

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 5F - MEDICAL PROFESSIONAL LIABILITY - CLAIMS-MADESECTION 1B

Years in CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR ENDYears in Which

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 188 177 115 76 48 50 23 12 11 8

2. 2009 15 37 62 89 117 138 150 164 178 193

3. 2010 XXX 2 20 40 64 88 112 124 158 188

4. 2011 XXX XXX 4 16 28 42 68 87 107 137

5. 2012 XXX XXX XXX 5 28 40 73 88 106 143

6. 2013 XXX XXX XXX XXX 3 20 45 70 95 114

7. 2014 XXX XXX XXX XXX XXX 1 15 32 49 74

8. 2015 XXX XXX XXX XXX XXX XXX 6 27 54 80

9. 2016 XXX XXX XXX XXX XXX XXX XXX 3 21 47

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 7 30

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 2

SECTION 2BYears in NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 1,356 1,012 773 507 333 201 136 97 54 37

2. 2009 421 268 366 318 197 137 99 64 43 26

3. 2010 XXX 453 270 329 286 239 191 151 98 52

4. 2011 XXX XXX 427 260 270 229 170 113 74 35

5. 2012 XXX XXX XXX 520 264 259 201 153 113 44

6. 2013 XXX XXX XXX XXX 596 385 262 201 125 74

7. 2014 XXX XXX XXX XXX XXX 743 271 275 203 122

8. 2015 XXX XXX XXX XXX XXX XXX 681 355 267 248

9. 2016 XXX XXX XXX XXX XXX XXX XXX 691 294 318

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 693 352

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 1,236

SECTION 3BYears in CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 2,957 1,298 472 202 1,373 98 63 32 13 25

2. 2009 3,820 5,477 6,142 6,362 6,434 6,469 6,496 6,507 6,511 6,521

3. 2010 XXX 2,761 4,104 4,584 4,791 4,868 4,916 4,935 4,947 4,988

4. 2011 XXX XXX 3,055 4,166 4,523 4,670 4,751 4,775 4,795 4,846

5. 2012 XXX XXX XXX 2,935 4,179 4,439 4,592 4,642 4,665 4,724

6. 2013 XXX XXX XXX XXX 2,098 2,832 3,140 3,265 3,303 3,347

7. 2014 XXX XXX XXX XXX XXX 1,710 2,265 2,571 2,718 2,811

8. 2015 XXX XXX XXX XXX XXX XXX 1,724 2,355 2,671 2,894

9. 2016 XXX XXX XXX XXX XXX XXX XXX 1,551 2,160 2,531

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 1,698 2,610

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 3,234

78

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 5H - OTHER LIABILITY - OCCURRENCESECTION 1A

Years in CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR ENDYears in Which

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 14,876 7,084 4,869 3,606 2,003 1,400 1,171 1,067 825 705

2. 2009 11,383 16,935 19,055 20,563 21,457 22,045 22,378 22,593 22,718 22,806

3. 2010 XXX 8,486 14,522 16,922 18,409 19,405 19,978 20,330 20,539 20,670

4. 2011 XXX XXX 8,659 14,323 16,410 17,738 18,648 19,222 19,521 19,709

5. 2012 XXX XXX XXX 7,995 13,926 15,824 17,127 17,956 18,433 18,687

6. 2013 XXX XXX XXX XXX 10,622 16,784 18,753 20,125 21,069 21,511

7. 2014 XXX XXX XXX XXX XXX 11,687 17,731 19,697 20,981 21,859

8. 2015 XXX XXX XXX XXX XXX XXX 12,310 18,831 20,841 22,211

9. 2016 XXX XXX XXX XXX XXX XXX XXX 13,762 26,581 28,579

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 20,644 28,095

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 17,077

SECTION 2AYears in NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 27,431 19,853 14,731 10,030 7,817 7,010 6,076 4,882 3,941 3,152

2. 2009 16,352 8,335 6,409 3,690 2,081 1,363 979 672 509 412

3. 2010 XXX 16,883 8,346 5,385 3,427 2,143 1,396 912 629 473

4. 2011 XXX XXX 15,978 6,976 4,882 3,086 1,995 1,131 697 473

5. 2012 XXX XXX XXX 13,640 6,256 4,322 2,872 1,702 1,039 698

6. 2013 XXX XXX XXX XXX 13,723 6,519 4,683 2,777 1,547 952

7. 2014 XXX XXX XXX XXX XXX 13,789 6,623 4,506 2,853 1,632

8. 2015 XXX XXX XXX XXX XXX XXX 14,040 6,630 4,665 2,911

9. 2016 XXX XXX XXX XXX XXX XXX XXX 12,870 6,103 4,133

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 13,288 6,246

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 12,659

SECTION 3AYears in CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 21,631 14,006 10,080 7,800 6,071 4,918 3,411 2,508 1,494 993

2. 2009 63,250 74,038 77,474 79,191 79,999 80,524 80,873 81,133 81,313 81,448

3. 2010 XXX 66,438 78,686 82,215 83,995 84,973 85,509 85,971 86,330 86,667

4. 2011 XXX XXX 65,267 75,294 78,551 80,010 80,841 81,261 81,506 81,702

5. 2012 XXX XXX XXX 56,041 66,505 69,324 70,729 71,373 71,730 71,972

6. 2013 XXX XXX XXX XXX 56,891 67,400 70,411 71,741 72,325 72,627

7. 2014 XXX XXX XXX XXX XXX 57,628 67,708 70,612 71,918 72,511

8. 2015 XXX XXX XXX XXX XXX XXX 59,395 70,167 73,284 74,614

9. 2016 XXX XXX XXX XXX XXX XXX XXX 59,940 77,265 80,078

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 66,873 78,427

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 61,996

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 5H - OTHER LIABILITY - CLAIMS-MADESECTION 1B

Years in CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR ENDYears in Which

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 1,677 1,028 651 491 261 221 126 109 79 57

2. 2009 867 1,492 1,928 2,219 2,380 2,495 2,570 2,617 2,686 2,704

3. 2010 XXX 514 1,090 1,471 1,722 1,862 1,958 2,018 2,060 2,079

4. 2011 XXX XXX 578 1,081 1,376 1,573 1,692 1,761 1,801 1,834

5. 2012 XXX XXX XXX 410 892 1,166 1,328 1,423 1,492 1,530

6. 2013 XXX XXX XXX XXX 429 899 1,150 1,292 1,375 1,432

7. 2014 XXX XXX XXX XXX XXX 381 787 1,019 1,162 1,244

8. 2015 XXX XXX XXX XXX XXX XXX 407 919 1,198 1,379

9. 2016 XXX XXX XXX XXX XXX XXX XXX 457 991 1,285

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 464 1,053

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 451

SECTION 2BYears in NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 5,958 3,718 2,517 1,821 1,393 1,073 895 697 540 438

2. 2009 6,114 3,177 1,626 965 636 413 290 225 145 109

3. 2010 XXX 5,347 2,808 1,507 856 537 400 240 148 109

4. 2011 XXX XXX 4,760 2,603 1,412 804 559 354 231 158

5. 2012 XXX XXX XXX 4,401 2,171 1,176 739 465 290 188

6. 2013 XXX XXX XXX XXX 4,312 2,202 1,204 725 446 308

7. 2014 XXX XXX XXX XXX XXX 4,813 2,774 1,281 705 410

8. 2015 XXX XXX XXX XXX XXX XXX 5,098 2,751 1,291 727

9. 2016 XXX XXX XXX XXX XXX XXX XXX 5,200 2,461 1,177

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 4,874 2,177

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 5,292

SECTION 3BYears in CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 2,259 833 443 366 201 172 131 59 27 30

2. 2009 11,021 12,632 12,923 13,120 13,246 13,331 13,425 13,505 13,534 13,543

3. 2010 XXX 9,626 11,124 11,460 11,641 11,743 11,917 11,977 11,997 12,009

4. 2011 XXX XXX 9,154 10,590 10,886 11,027 11,233 11,430 11,462 11,472

5. 2012 XXX XXX XXX 8,175 9,507 9,789 10,014 10,210 10,266 10,280

6. 2013 XXX XXX XXX XXX 8,326 9,555 9,946 10,255 10,361 10,395

7. 2014 XXX XXX XXX XXX XXX 8,637 10,180 10,400 10,575 10,620

8. 2015 XXX XXX XXX XXX XXX XXX 8,635 10,033 10,444 10,538

9. 2016 XXX XXX XXX XXX XXX XXX XXX 8,730 10,270 10,472

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 8,533 9,823

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 9,162

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 5R - PRODUCTS LIABILITY - OCCURRENCESECTION 1A

Years in CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR ENDYears in Which

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 2,114 1,063 947 899 727 533 493 381 273 222

2. 2009 1,346 1,758 1,906 2,030 2,112 2,169 2,198 2,222 2,233 2,239

3. 2010 XXX 620 1,029 1,183 1,298 1,385 1,443 1,482 1,502 1,523

4. 2011 XXX XXX 544 949 1,091 1,192 1,266 1,310 1,325 1,336

5. 2012 XXX XXX XXX 467 848 957 1,020 1,086 1,114 1,138

6. 2013 XXX XXX XXX XXX 466 742 813 880 918 957

7. 2014 XXX XXX XXX XXX XXX 325 568 625 677 708

8. 2015 XXX XXX XXX XXX XXX XXX 336 582 642 684

9. 2016 XXX XXX XXX XXX XXX XXX XXX 268 422 476

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 183 323

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 198

SECTION 2AYears in NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 6,505 5,749 5,303 4,592 4,210 3,404 2,692 2,222 2,018 1,768

2. 2009 1,508 633 517 347 263 149 88 81 53 59

3. 2010 XXX 1,299 651 526 397 262 152 89 66 65

4. 2011 XXX XXX 1,216 550 387 248 170 101 76 70

5. 2012 XXX XXX XXX 1,124 484 299 205 169 124 94

6. 2013 XXX XXX XXX XXX 811 346 278 240 142 113

7. 2014 XXX XXX XXX XXX XXX 566 307 242 176 97

8. 2015 XXX XXX XXX XXX XXX XXX 770 347 281 219

9. 2016 XXX XXX XXX XXX XXX XXX XXX 624 322 250

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 534 313

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 509

SECTION 3AYears in CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 5,549 3,758 3,479 3,470 2,447 1,179 753 553 506 276

2. 2009 6,913 8,328 8,951 9,272 9,453 9,499 9,522 9,585 9,644 9,745

3. 2010 XXX 6,543 8,131 8,771 9,112 9,236 9,292 9,344 9,392 9,448

4. 2011 XXX XXX 6,287 7,715 8,245 8,472 8,601 8,792 8,833 8,877

5. 2012 XXX XXX XXX 5,650 7,051 7,441 7,611 7,878 7,958 8,073

6. 2013 XXX XXX XXX XXX 5,289 6,299 6,677 6,960 7,082 7,156

7. 2014 XXX XXX XXX XXX XXX 3,835 4,751 5,169 5,397 5,486

8. 2015 XXX XXX XXX XXX XXX XXX 4,223 5,362 5,725 5,961

9. 2016 XXX XXX XXX XXX XXX XXX XXX 3,391 4,138 4,442

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 2,910 3,650

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 2,534

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 5R - PRODUCTS LIABILITY - CLAIMS-MADESECTION 1B

Years in CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR ENDYears in Which

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 50 28 29 24 9 15 3 1

2. 2009 17 31 46 55 63 69 70 70 70 70

3. 2010 XXX 8 11 15 22 24 27 29 30 30

4. 2011 XXX XXX 5 17 24 27 31 32 32

5. 2012 XXX XXX XXX 4 11 20 23 24 25 25

6. 2013 XXX XXX XXX XXX 1 2 5 8 10 10

7. 2014 XXX XXX XXX XXX XXX 1 1 1 1

8. 2015 XXX XXX XXX XXX XXX XXX 1 2 6

9. 2016 XXX XXX XXX XXX XXX XXX XXX 1

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

SECTION 2BYears in NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 224 161 102 72 56 23 22 16 15 5

2. 2009 94 63 38 30 19 9 4 2 2

3. 2010 XXX 36 23 20 12 10 4 2

4. 2011 XXX XXX 32 35 17 11 6 1

5. 2012 XXX XXX XXX 44 20 8 6 4 1 1

6. 2013 XXX XXX XXX XXX 18 13 10 6 4 5

7. 2014 XXX XXX XXX XXX XXX 9 6 5 3 2

8. 2015 XXX XXX XXX XXX XXX XXX 11 11 9 2

9. 2016 XXX XXX XXX XXX XXX XXX XXX 8 6 6

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 10 5

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 1

SECTION 3BYears in CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 168 24 10 12 2 (9) 2 1

2. 2009 526 584 591 598 599 602 601 601 601 601

3. 2010 XXX 115 130 138 140 142 142 142 142 142

4. 2011 XXX XXX 54 80 83 86 85 86 86 87

5. 2012 XXX XXX XXX 84 95 96 97 97 96 96

6. 2013 XXX XXX XXX XXX 56 65 69 73 74 75

7. 2014 XXX XXX XXX XXX XXX 45 49 50 50 50

8. 2015 XXX XXX XXX XXX XXX XXX 20 34 36 37

9. 2016 XXX XXX XXX XXX XXX XXX XXX 39 49 52

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 33 40

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 28

82

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 5T - WARRANTYSECTION 1

Years in CUMULATIVE NUMBER OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT AND ASSUMED AT YEAR ENDYears in Which

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior XXX XXX XXX XXX XXX XXX XXX 131,307 11,495 196

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 142,019 152,421

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 164,585

SECTION 2Years in NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior XXX XXX XXX XXX XXX XXX XXX 8,020 1,265 1,278

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 6,623 35

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 6,601

SECTION 3Years in CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END

Years in Which Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior XXX XXX XXX XXX XXX XXX XXX 166,588 6,123 331

2. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 183,443 188,233

3. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 205,878

83

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 6C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICALSECTION 1

Years in Which CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED) 11Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior (17,142) (7,267) 31 2,678 (2,735) 999 278 385 (39) 1,839 1,839

2. 2009 1,133,214 1,121,050 1,118,352 1,117,912 1,116,999 1,117,408 1,116,946 1,117,074 1,117,094 1,116,737 (357)

3. 2010 XXX 1,079,357 1,076,222 1,074,298 1,073,601 1,074,174 1,073,392 1,073,488 1,073,135 1,073,013 (122)

4. 2011 XXX XXX 1,026,073 1,041,988 1,042,619 1,042,449 1,042,716 1,043,188 1,043,049 1,042,837 (213)

5. 2012 XXX XXX XXX 998,306 1,015,989 1,014,808 1,014,766 1,014,575 1,014,549 1,014,242 (307)

6. 2013 XXX XXX XXX XXX 997,771 1,020,557 1,024,591 1,024,826 1,022,501 1,022,276 (226)

7. 2014 XXX XXX XXX XXX XXX 1,005,611 1,017,337 1,018,344 1,016,880 1,017,092 212

8. 2015 XXX XXX XXX XXX XXX XXX 1,132,250 1,136,911 1,127,759 1,126,722 (1,037)

9. 2016 XXX XXX XXX XXX XXX XXX XXX 1,247,448 1,249,323 1,263,835 14,512

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 1,327,014 1,319,993 (7,021)

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 1,221,159 1,221,159

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX 1,228,439

13. Earned Premiums (Sch P-Pt. 1) 1,116,072 1,059,925 1,020,271 1,014,536 1,011,739 1,029,030 1,147,267 1,254,241 1,315,412 1,228,439 XXX

SECTION 2Years in Which CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED) 11

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior (3,435) (143) (152) (158) (1,236) 10 41

2. 2009 720,536 718,085 718,274 718,242 717,766 717,773 717,697 717,697 717,696 717,697 1

3. 2010 XXX 681,095 681,838 682,062 681,840 681,855 681,784 681,785 681,784 681,784

4. 2011 XXX XXX 663,991 676,657 676,213 676,242 676,191 676,191 676,191 676,191

5. 2012 XXX XXX XXX 653,753 663,851 663,814 663,836 663,729 663,729 663,729

6. 2013 XXX XXX XXX XXX 651,655 669,808 670,045 670,130 670,128 670,133 5

7. 2014 XXX XXX XXX XXX XXX 659,552 669,246 669,141 669,208 669,216 7

8. 2015 XXX XXX XXX XXX XXX XXX 743,457 753,827 753,402 753,415 13

9. 2016 XXX XXX XXX XXX XXX XXX XXX 866,523 875,099 887,852 12,753

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 956,191 955,368 (823)

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 884,886 884,886

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX 896,842

13. Earned Premiums (Sch P-Pt. 1) 717,101 678,501 664,772 666,453 659,375 677,728 753,212 876,808 964,406 896,842 XXX

SCHEDULE P - PART 6D - WORKERS' COMPENSATION(EXCLUDING EXCESS WORKERS’ COMPENSATION)

SECTION 1Years in Which CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED) 11

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior 107,059 39,970 (37,434) (12,464) (18,050) (468) (4,629) (6,135) (3,893) 6,726 6,726

2. 2009 2,147,933 2,138,364 2,155,050 2,150,036 2,149,752 2,148,310 2,141,954 2,141,388 2,138,691 2,137,742 (948)

3. 2010 XXX 2,096,650 2,173,707 2,162,940 2,167,226 2,154,609 2,144,339 2,138,884 2,133,618 2,134,065 447

4. 2011 XXX XXX 2,302,676 2,388,178 2,393,130 2,388,196 2,387,493 2,381,780 2,373,649 2,373,264 (384)

5. 2012 XXX XXX XXX 2,391,199 2,435,135 2,440,123 2,446,925 2,446,642 2,442,892 2,435,708 (7,183)

6. 2013 XXX XXX XXX XXX 2,587,668 2,627,917 2,646,404 2,649,762 2,641,289 2,634,680 (6,608)

7. 2014 XXX XXX XXX XXX XXX 2,608,496 2,598,970 2,604,458 2,604,023 2,603,818 (205)

8. 2015 XXX XXX XXX XXX XXX XXX 2,898,615 2,887,740 2,885,557 2,894,911 9,354

9. 2016 XXX XXX XXX XXX XXX XXX XXX 2,930,676 2,924,086 2,919,037 (5,049)

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 2,980,428 2,958,043 (22,386)

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 2,861,224 2,861,224

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX 2,834,987

13. Earned Premiums (Sch P-Pt. 1) 2,254,992 2,127,051 2,358,985 2,448,456 2,622,507 2,634,274 2,892,418 2,910,495 2,939,011 2,834,987 XXX

SECTION 2Years in Which CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED) 11

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior 5,861 352 (6,440) (2,084) 55,453 4,913 4,879 (332) (307) 8,367 8,367

2. 2009 1,304,377 1,293,799 1,299,002 1,297,408 1,305,845 1,305,768 1,304,422 1,304,090 1,304,073 1,304,435 362

3. 2010 XXX 1,258,802 1,276,031 1,276,838 1,281,233 1,280,436 1,279,079 1,278,217 1,277,144 1,277,156 12

4. 2011 XXX XXX 1,391,886 1,420,655 1,423,602 1,424,053 1,423,368 1,424,571 1,421,247 1,420,929 (318)

5. 2012 XXX XXX XXX 1,470,344 1,490,968 1,491,113 1,494,836 1,497,554 1,497,067 1,492,711 (4,356)

6. 2013 XXX XXX XXX XXX 1,570,590 1,593,545 1,595,809 1,598,424 1,599,745 1,597,564 (2,182)

7. 2014 XXX XXX XXX XXX XXX 1,617,745 1,608,833 1,608,514 1,610,338 1,615,028 4,690

8. 2015 XXX XXX XXX XXX XXX XXX 1,841,806 1,842,436 1,846,748 1,851,543 4,795

9. 2016 XXX XXX XXX XXX XXX XXX XXX 1,903,859 1,920,913 1,918,711 (2,202)

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 1,940,436 1,933,724 (6,712)

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 1,918,200 1,918,200

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX 1,920,656

13. Earned Premiums (Sch P-Pt. 1) 1,310,238 1,248,577 1,407,878 1,496,241 1,662,446 1,645,335 1,840,372 1,909,182 1,959,738 1,920,656 XXX

84

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 6E - COMMERCIAL MULTIPLE PERILSECTION 1

Years in Which CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED) 11Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior 31,835 20,233 1,700 3,315 257 (404) (2,602) 4,464 657 2,839 2,839

2. 2009 1,252,756 1,251,219 1,254,268 1,254,209 1,255,127 1,255,124 1,255,147 1,255,145 1,255,120 1,255,120

3. 2010 XXX 1,034,364 1,040,479 1,042,509 1,042,466 1,042,461 1,042,439 1,042,422 1,042,415 1,042,415

4. 2011 XXX XXX 1,054,398 1,059,773 1,059,092 1,059,074 1,059,038 1,059,016 1,059,012 1,059,012

5. 2012 XXX XXX XXX 1,150,523 1,146,859 1,144,142 1,144,255 1,144,187 1,144,188 1,142,642 (1,546)

6. 2013 XXX XXX XXX XXX 1,174,636 1,157,329 1,157,635 1,157,499 1,157,493 1,158,027 534

7. 2014 XXX XXX XXX XXX XXX 950,048 931,958 931,031 931,090 931,056 (34)

8. 2015 XXX XXX XXX XXX XXX XXX 828,634 812,536 812,367 812,113 (254)

9. 2016 XXX XXX XXX XXX XXX XXX XXX 712,476 697,646 695,895 (1,751)

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 650,603 634,503 (16,100)

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 637,659 637,659

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX 621,346

13. Earned Premiums (Sch P-Pt. 1) 1,284,591 1,053,060 1,065,263 1,161,182 1,171,423 929,594 808,325 699,673 636,277 621,346 XXX

SECTION 2Years in Which CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED) 11

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior 11,514 (840) 1,162 (458) (1,653) (65) (35) 54 (86) 103 103

2. 2009 874,810 875,624 875,668 875,669 875,341 875,341 875,341 875,341 875,341 875,341

3. 2010 XXX 755,609 754,725 754,612 754,246 754,246 754,244 754,236 754,236 754,236

4. 2011 XXX XXX 767,756 768,237 767,967 768,087 768,087 768,087 768,087 768,087

5. 2012 XXX XXX XXX 836,902 833,723 831,563 830,453 829,811 830,264 829,701 (562)

6. 2013 XXX XXX XXX XXX 806,807 806,253 806,366 804,851 804,851 804,850

7. 2014 XXX XXX XXX XXX XXX 569,025 570,087 568,354 568,354 568,353 (1)

8. 2015 XXX XXX XXX XXX XXX XXX 447,961 448,660 448,684 448,683 (1)

9. 2016 XXX XXX XXX XXX XXX XXX XXX 402,079 401,776 399,846 (1,931)

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 369,755 369,667 (88)

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 369,925 369,925

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX 367,444

13. Earned Premiums (Sch P-Pt. 1) 886,324 755,583 768,078 836,813 801,011 566,366 447,989 398,935 369,843 367,444 XXX

SCHEDULE P - PART 6H - OTHER LIABILITY - OCCURRENCESECTION 1A

Years in Which CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED) 11Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior (54,609) (148,416) (57,879) (44,284) (35,977) (11,934) (8,340) (4,720) (4,657) 15,322 15,322

2. 2009 2,095,661 2,142,073 2,130,876 2,131,125 2,125,311 2,122,406 2,122,855 2,127,450 2,133,631 2,146,478 12,847

3. 2010 XXX 1,996,197 2,057,145 2,057,583 2,077,687 2,077,996 2,083,843 2,089,156 2,088,241 2,073,583 (14,658)

4. 2011 XXX XXX 1,780,886 1,873,378 1,876,727 1,869,699 1,865,970 1,869,979 1,878,897 1,898,546 19,649

5. 2012 XXX XXX XXX 1,855,288 1,912,900 1,916,863 1,930,080 1,923,287 1,929,020 1,936,559 7,539

6. 2013 XXX XXX XXX XXX 1,942,651 1,984,092 2,000,472 1,995,192 1,981,355 1,994,985 13,630

7. 2014 XXX XXX XXX XXX XXX 2,037,894 2,054,520 2,045,700 2,024,582 2,010,675 (13,907)

8. 2015 XXX XXX XXX XXX XXX XXX 2,221,255 2,170,381 2,160,220 2,150,786 (9,434)

9. 2016 XXX XXX XXX XXX XXX XXX XXX 2,030,511 1,982,215 1,951,091 (31,124)

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 1,916,204 1,888,465 (27,739)

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 1,801,859 1,801,859

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX 1,773,983

13. Earned Premiums (Sch P-Pt. 1) 2,041,052 1,894,192 1,772,757 1,904,185 1,981,924 2,061,740 2,261,706 1,967,940 1,838,052 1,773,983 XXX

SECTION 2AYears in Which CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED) 11

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior 33,032 4,810 6,853 (1,328) (3,647) (7,243) (5,971) (5,250) (6,500) (6,092) (6,092)

2. 2009 1,186,103 1,212,285 1,216,367 1,217,782 1,216,608 1,217,165 1,217,850 1,217,729 1,217,873 1,221,151 3,278

3. 2010 XXX 1,126,896 1,140,548 1,141,528 1,144,655 1,146,319 1,147,699 1,147,341 1,146,862 1,147,264 402

4. 2011 XXX XXX 1,067,648 1,095,590 1,098,020 1,097,909 1,097,123 1,097,509 1,098,040 1,100,344 2,304

5. 2012 XXX XXX XXX 1,185,882 1,194,739 1,190,711 1,186,788 1,186,110 1,186,491 1,188,169 1,677

6. 2013 XXX XXX XXX XXX 1,225,600 1,233,484 1,217,317 1,217,260 1,216,784 1,218,053 1,268

7. 2014 XXX XXX XXX XXX XXX 1,301,036 1,192,597 1,190,778 1,192,729 1,190,292 (2,438)

8. 2015 XXX XXX XXX XXX XXX XXX 1,553,692 1,545,052 1,545,910 1,544,392 (1,518)

9. 2016 XXX XXX XXX XXX XXX XXX XXX 1,292,657 1,274,589 1,273,184 (1,405)

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 1,233,702 1,241,795 8,092

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 1,258,872 1,258,872

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX 1,264,441

13. Earned Premiums (Sch P-Pt. 1) 1,219,135 1,157,888 1,092,235 1,214,891 1,235,191 1,299,759 1,420,473 1,276,120 1,212,044 1,264,441 XXX

85

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 6H - OTHER LIABILITY - CLAIMS-MADESECTION 1B

Years in Which CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED) 11Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior 11,613 4,401 (972) 5,133 520 4,514 632 (148) 2,289 104 104

2. 2009 1,010,404 1,016,731 1,016,007 1,018,058 1,018,972 1,019,935 1,020,134 1,020,149 1,021,396 1,021,441 45

3. 2010 XXX 948,360 948,100 948,574 950,175 950,501 948,638 948,559 949,789 949,790 1

4. 2011 XXX XXX 844,549 846,867 852,039 851,755 850,519 850,385 850,616 850,616

5. 2012 XXX XXX XXX 788,494 789,504 790,738 788,953 789,418 789,499 789,271 (228)

6. 2013 XXX XXX XXX XXX 786,625 790,517 786,733 786,455 786,457 785,659 (799)

7. 2014 XXX XXX XXX XXX XXX 773,129 774,743 774,902 774,954 774,373 (581)

8. 2015 XXX XXX XXX XXX XXX XXX 778,668 773,122 773,293 773,096 (197)

9. 2016 XXX XXX XXX XXX XXX XXX XXX 765,503 760,899 760,756 (143)

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 735,079 732,388 (2,691)

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 749,769 749,769

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX 745,280

13. Earned Premiums (Sch P-Pt. 1) 1,022,016 959,088 842,593 798,470 795,843 783,775 772,443 759,958 735,777 745,280 XXX

SECTION 2BYears in Which CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED) 11

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior 9,103 (817) 410 757 12 608 115 (12) 1,901

2. 2009 542,444 545,417 544,385 544,377 542,080 542,082 542,085 542,087 543,234 543,234

3. 2010 XXX 516,657 516,701 516,536 514,774 514,847 514,322 514,323 515,478 515,503 26

4. 2011 XXX XXX 462,988 463,529 464,141 464,220 463,806 463,807 463,968 463,994 26

5. 2012 XXX XXX XXX 443,810 444,589 446,072 445,465 445,469 445,478 445,503 25

6. 2013 XXX XXX XXX XXX 432,364 436,398 435,943 435,862 435,841 435,839 (2)

7. 2014 XXX XXX XXX XXX XXX 431,929 431,737 431,744 431,694 431,687 (7)

8. 2015 XXX XXX XXX XXX XXX XXX 431,515 432,550 432,437 432,432 (5)

9. 2016 XXX XXX XXX XXX XXX XXX XXX 434,627 439,424 439,705 281

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 436,647 439,825 3,178

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 478,358 478,358

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX 481,880

13. Earned Premiums (Sch P-Pt. 1) 551,547 518,813 462,409 444,936 429,708 438,207 429,442 435,583 445,632 481,880 XXX

SCHEDULE P - PART 6M - INTERNATIONALSECTION 1

Years in Which CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED) 11Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

13. Earned Premiums (Sch P-Pt. 1) XXX

SECTION 2Years in Which CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED) 11

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

13. Earned Premiums (Sch P-Pt. 1) XXX

86

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 6N - REINSURANCE - NONPROPORTIONAL ASSUMED PROPERTYSECTION 1

Years in Which CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED) 11Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

13. Earned Premiums (Sch P-Pt. 1) XXX

SECTION 2Years in Which CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED) 11

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

13. Earned Premiums (Sch P-Pt. 1) XXX

SCHEDULE P - PART 6O - REINSURANCE - NONPROPORTIONAL ASSUMED LIABILITYSECTION 1

Years in Which CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED) 11Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

13. Earned Premiums (Sch P-Pt. 1) XXX

SECTION 2Years in Which CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED) 11

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX

13. Earned Premiums (Sch P-Pt. 1) XXX

87

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 6R - PRODUCTS LIABILITY - OCCURRENCESECTION 1A

Years in Which CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED) 11Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior (38,085) (17,128) (5,925) (1,461) (3,632) 1,690 (4,432) 1,303 2,369 4,615 4,615

2. 2009 242,522 241,248 229,688 228,949 226,189 226,705 226,666 226,492 226,319 226,312 (7)

3. 2010 XXX 196,578 190,591 188,897 187,420 187,671 187,640 187,422 187,279 187,743 464

4. 2011 XXX XXX 174,401 173,571 172,946 172,709 172,505 172,422 172,450 173,549 1,099

5. 2012 XXX XXX XXX 180,322 179,827 179,793 178,946 178,856 178,889 179,995 1,106

6. 2013 XXX XXX XXX XXX 192,358 201,120 199,586 199,145 199,480 200,014 535

7. 2014 XXX XXX XXX XXX XXX 187,095 192,691 192,848 193,424 193,442 19

8. 2015 XXX XXX XXX XXX XXX XXX 195,943 199,886 200,981 200,684 (297)

9. 2016 XXX XXX XXX XXX XXX XXX XXX 181,289 203,685 203,724 39

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 178,069 188,260 10,191

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 178,006 178,006

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX 195,769

13. Earned Premiums (Sch P-Pt. 1) 204,437 178,177 150,930 175,597 183,368 198,042 194,453 185,686 204,584 195,769 XXX

SECTION 2AYears in Which CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED) 11

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior 378 (5,609) (682) (332) (792) 1,941 858 158 (131) (611) (611)

2. 2009 126,720 125,127 124,871 124,795 124,689 124,689 124,687 124,687 124,781 124,781

3. 2010 XXX 112,340 111,893 112,067 112,016 112,029 112,025 112,025 112,031 112,031

4. 2011 XXX XXX 103,027 102,824 102,302 102,034 102,031 102,031 102,057 102,057

5. 2012 XXX XXX XXX 117,521 119,438 118,379 118,295 118,295 118,346 118,340 (7)

6. 2013 XXX XXX XXX XXX 118,691 120,955 121,027 120,919 121,006 120,997 (9)

7. 2014 XXX XXX XXX XXX XXX 119,679 128,563 128,774 128,958 128,893 (65)

8. 2015 XXX XXX XXX XXX XXX XXX 114,252 123,185 124,125 124,012 (113)

9. 2016 XXX XXX XXX XXX XXX XXX XXX 112,262 130,981 131,486 505

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 118,436 132,119 13,683

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 124,421 124,421

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX 137,804

13. Earned Premiums (Sch P-Pt. 1) 127,098 105,138 101,643 117,084 119,138 122,570 123,972 121,456 138,413 137,804 XXX

SCHEDULE P - PART 6R - PRODUCTS LIABILITY - CLAIMS-MADESECTION 1B

Years in Which CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END ($000 OMITTED) 11Premiums

Were Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior (253) (569) 3 (6) (2) 11 (14) 6 (2) (2) (2)

2. 2009 26,433 26,416 26,418 26,418 26,420 26,422 26,422 26,422 26,422 26,422

3. 2010 XXX 25,582 25,750 25,751 25,772 25,772 25,772 25,772 25,772 25,772

4. 2011 XXX XXX 22,203 22,613 22,591 22,591 22,577 22,577 22,577 22,577

5. 2012 XXX XXX XXX 12,221 12,617 12,613 12,578 12,578 12,578 12,578

6. 2013 XXX XXX XXX XXX 17,481 17,459 17,406 17,407 17,407 17,407

7. 2014 XXX XXX XXX XXX XXX 21,940 21,738 21,699 21,700 21,699

8. 2015 XXX XXX XXX XXX XXX XXX 22,814 22,364 22,338 22,337

9. 2016 XXX XXX XXX XXX XXX XXX XXX 21,993 21,865 21,847 (18)

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 10,597 10,520 (77)

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 3,691 3,691

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX 3,594

13. Earned Premiums (Sch P-Pt. 1) 26,180 24,997 22,376 12,625 17,876 21,928 22,497 21,509 10,441 3,594 XXX

SECTION 2BYears in Which CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END ($000 OMITTED) 11

PremiumsWere Earnedand Losses

Were Incurred

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

CurrentYear

Premiums Earned

1. Prior 279 1 (7)

2. 2009 22,253 22,486 22,486 22,486 22,486 22,486 22,486 22,486 22,486 22,486

3. 2010 XXX 22,145 22,261 22,261 22,278 22,278 22,278 22,278 22,278 22,278

4. 2011 XXX XXX 19,978 20,428 20,464 20,464 20,464 20,464 20,463 20,463

5. 2012 XXX XXX XXX 10,255 10,895 10,888 10,887 10,887 10,887 10,887

6. 2013 XXX XXX XXX XXX 15,721 15,883 16,163 16,163 16,163 16,163

7. 2014 XXX XXX XXX XXX XXX 20,673 27,780 27,742 27,742 27,742

8. 2015 XXX XXX XXX XXX XXX XXX 14,488 14,054 14,028 14,028

9. 2016 XXX XXX XXX XXX XXX XXX XXX 20,834 20,723 20,705 (18)

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 9,464 9,406 (58)

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 2,926 2,926

12. Totals XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX 2,850

13. Earned Premiums (Sch P-Pt. 1) 22,532 22,378 20,095 10,705 16,406 20,828 21,874 20,362 9,326 2,850 XXX

88

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 7A - PRIMARY LOSS SENSITIVE CONTRACTS ($000 OMITTED)SECTION 1

Schedule P - Part 1

1

Total Net Losses and Expenses

Unpaid

2Net Losses and

Expenses Unpaidon Loss Sensitive

Contracts

3

Loss Sensitiveas Percentage

of Total

4

Total NetPremiums

Written

5Net Premiums

Written onLoss Sensitive

Contracts

6

Loss Sensitiveas Percentage

of Total

1. Homeowners/Farmowners 863 2,683

2. Private Passenger Auto Liability/ Medical 1,633 0.0 (4) (4) 100.0

3. Commercial Auto/Truck Liability/ Medical 759,867 7,103 0.9 295,239 1,734 0.6

4. Workers’ Compensation 5,756,614 645,162 11.2 794,377 58,468 7.4

5. Commercial Multiple Peril 503,015 210,923

6. Medical Professional Liability - Occurrence 2,452 123

7. Medical Professional Liability - Claims -Made 224,806 31,294

8. Special Liability 29,876 50,480

9. Other Liability - Occurrence 3,689,204 321,967 8.7 314,713 (6,179) (2.0)

10. Other Liability - Claims-Made 1,191,458 1,703 0.1 175,462 634 0.4

11. Special Property 767,477 1,455,112

12. Auto Physical Damage 40 20 49.5 89,719 1,263 1.4

13. Fidelity/Surety 142,031 294,311

14. Other 107,104 1,935 1.8 168,836 (30) 0.0

15. International

16. Reinsurance - Nonproportional Assumed Property XXX XXX XXX XXX XXX XXX

17. Reinsurance - Nonproportional Assumed Liability XXX XXX XXX XXX XXX XXX

18. Reinsurance - Nonproportional Assumed Financial Lines XXX XXX XXX XXX XXX XXX

19. Products Liability - Occurrence 650,786 27,945 4.3 32,661 (1,547) (4.7)

20. Products Liability - Claims-Made 8,585 0.0 (94) 1 (0.8)

21. Financial Guaranty/Mortgage Guaranty

22. Warranty 14,100 5,716

23. Totals 13,849,911 1,005,834 7.3 3,921,553 54,340 1.4

SECTION 2INCURRED LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END ($000 OMITTED)

Years inWhich

PoliciesWere Issued

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 5,558,985 5,960,991 5,989,140 5,978,902 5,985,084 6,004,594 6,009,967 6,003,459 5,991,696 5,975,583

2. 2009 178,733 441,015 450,099 471,507 465,950 464,846 472,050 450,939 448,249 434,904

3. 2010 XXX 164,621 387,764 388,525 396,886 386,973 410,501 396,021 393,303 394,314

4. 2011 XXX XXX 131,187 247,670 260,536 247,288 249,197 257,376 254,805 246,221

5. 2012 XXX XXX XXX 149,483 286,228 312,110 315,892 304,286 299,941 307,647

6. 2013 XXX XXX XXX XXX 179,912 352,966 372,067 368,225 343,983 331,169

7. 2014 XXX XXX XXX XXX XXX 205,743 502,017 462,975 434,666 438,204

8. 2015 XXX XXX XXX XXX XXX XXX 251,658 503,325 460,344 443,226

9. 2016 XXX XXX XXX XXX XXX XXX XXX 171,281 358,482 314,815

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 159,790 336,620

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 139,367

SECTION 3BULK AND INCURRED BUT NOT REPORTED RESERVES FOR LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES AT YEAR END

($000 OMITTED)Years inWhich

PoliciesWere Issued

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 968,227 797,562 615,332 469,138 423,973 360,508 314,906 288,521 258,854 229,313

2. 2009 124,443 233,033 157,719 108,060 94,402 72,598 68,027 45,029 41,366 26,531

3. 2010 XXX 116,681 224,860 156,730 107,319 74,468 59,210 43,139 34,424 34,623

4. 2011 XXX XXX 92,079 142,298 95,424 71,186 43,571 35,595 24,204 23,070

5. 2012 XXX XXX XXX 115,911 168,753 122,825 95,624 69,440 47,523 37,367

6. 2013 XXX XXX XXX XXX 132,841 204,106 158,252 126,697 80,221 59,071

7. 2014 XXX XXX XXX XXX XXX 149,223 328,303 234,153 153,272 112,626

8. 2015 XXX XXX XXX XXX XXX XXX 192,296 323,391 216,098 133,971

9. 2016 XXX XXX XXX XXX XXX XXX XXX 127,675 221,675 127,789

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 115,404 188,593

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 91,908

89

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 7A - PRIMARY LOSS SENSITIVE CONTRACTS (Continued)SECTION 4

NET EARNED PREMIUMS REPORTED AT YEAR END ($000 OMITTED)Years inWhich

PoliciesWere Issued

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 6,296,136 6,826,744 7,196,408 7,189,955 7,157,038 7,165,249 7,163,721 7,151,588 7,147,708 7,029,345

2. 2009 205,280 525,717 533,099 561,281 560,549 562,220 558,974 560,311 562,824 542,862

3. 2010 XXX 201,505 477,894 471,118 514,363 530,028 536,274 536,743 535,646 493,237

4. 2011 XXX XXX 144,586 298,547 308,230 331,835 340,049 345,302 358,264 360,381

5. 2012 XXX XXX XXX 152,893 323,641 351,747 387,245 397,861 407,785 401,494

6. 2013 XXX XXX XXX XXX 201,759 399,165 443,373 469,631 469,016 467,547

7. 2014 XXX XXX XXX XXX XXX 227,521 505,927 512,541 550,055 543,114

8. 2015 XXX XXX XXX XXX XXX XXX 243,748 492,970 493,535 499,711

9. 2016 XXX XXX XXX XXX XXX XXX XXX 134,510 380,488 367,637

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 173,044 359,788

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 156,998

SECTION 5NET RESERVE FOR PREMIUM ADJUSTMENTS AND ACCRUED RETROSPECTIVE PREMIUMS AT YEAR END ($000 OMITTED)

Years inWhich

PoliciesWere Issued

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior 212,602 184,034 139,551 93,862 50,851 47,677 34,755 25,845 18,385 52,106

2. 2009 (41,072) (7,570) 22,691 28,472 11,013 3,406 (1,534) (4,860) (1,653) (3,627)

3. 2010 XXX (38,867) (20,035) 759 30,207 29,357 28,296 22,084 22,845 (104)

4. 2011 XXX XXX (30,005) (36,285) (12,255) (10,163) (13,048) (17,880) (9,937) 12,330

5. 2012 XXX XXX XXX (43,270) (47,015) (10,010) 4,083 9,076 4,855 13,026

6. 2013 XXX XXX XXX XXX (35,677) (28,795) 17,696 34,878 19,422 32,530

7. 2014 XXX XXX XXX XXX XXX (21,621) 2,722 47,587 39,837 26,726

8. 2015 XXX XXX XXX XXX XXX XXX (17,765) 17,112 30,323 10,953

9. 2016 XXX XXX XXX XXX XXX XXX XXX (39,483) (3,167) 22,037

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX 8,544 15,845

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX 10,349

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 7B - REINSURANCE LOSS SENSITIVE CONTRACTS ($000 OMITTED)SECTION 1

Schedule P - Part 1

1

Total Net Losses and Expenses

Unpaid

2Net Losses and

Expenses Unpaidon Loss Sensitive

Contracts

3

Loss Sensitiveas Percentage

of Total

4

Total NetPremiums

Written

5Net Premiums

Written onLoss Sensitive

Contracts

6

Loss Sensitiveas Percentage

of Total

1. Homeowners/Farmowners 863 2,683

2. Private Passenger Auto Liability/Medical 1,633 0.0 (4) (4) 100.0

3. Commercial Auto/Truck Liability/Medical 759,867 7,103 0.9 295,239 1,734 0.6

4. Workers’ Compensation 5,756,614 645,162 11.2 794,377 58,468 7.4

5. Commercial Multiple Peril 503,015 210,923

6. Medical Professional Liability - Occurrence 2,452 123

7. Medical Professional Liability - Claims -Made 224,806 31,294

8. Special Liability 29,876 50,480

9. Other Liability - Occurrence 3,689,204 321,967 8.7 314,713 (6,179) (2.0)

10. Other Liability - Claims-Made 1,191,458 1,703 0.1 175,462 634 0.4

11. Special Property 767,477 1,455,112

12. Auto Physical Damage 40 20 49.5 89,719 1,263 1.4

13. Fidelity/Surety 142,031 294,311

14. Other 107,104 1,935 1.8 168,836 (30) 0.0

15. International

16. Reinsurance - Nonproportional Assumed Property

17. Reinsurance - Nonproportional Assumed Liability

18. Reinsurance - Nonproportional Assumed Financial Lines

19. Products Liability - Occurrence 650,786 27,945 4.3 32,661 (1,547) (4.7)

20. Products Liability - Claims-Made 8,585 0.0 (94) 1 (0.8)

21. Financial Guaranty/Mortgage Guaranty

22. Warranty 14,100 5,716

23. Totals 13,849,911 1,005,834 7.3 3,921,553 54,340 1.4

SECTION 2INCURRED LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES REPORTED AT YEAR END ($000 OMITTED)

Years inWhich

PoliciesWere Issued

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

SECTION 3BULK AND INCURRED BUT NOT REPORTED RESERVES FOR LOSSES AND DEFENSE AND COST CONTAINMENT EXPENSES AT YEAR END

($000 OMITTED)Years inWhich

PoliciesWere Issued

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

91

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE P - PART 7B - REINSURANCE LOSS SENSITIVE CONTRACTS (Continued)SECTION 4

NET EARNED PREMIUMS REPORTED AT YEAR END ($000 OMITTED)Years inWhich

PoliciesWere Issued

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

SECTION 5NET RESERVE FOR PREMIUM ADJUSTMENTS AND ACCRUED RETROSPECTIVE PREMIUMS AT YEAR END ($000 OMITTED)

Years inWhich

PoliciesWere Issued

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

SECTION 6INCURRED ADJUSTABLE COMMISSIONS REPORTED AT YEAR END ($000 OMITTED)

Years inWhich

PoliciesWere Issued

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

SECTION 7RESERVES FOR COMMISSION ADJUSTMENTS AT YEAR END ($000 OMITTED)

Years inWhich

PoliciesWere Issued

1

2009

2

2010

3

2011

4

2012

5

2013

6

2014

7

2015

8

2016

9

2017

10

2018

1. Prior

2. 2009

3. 2010 XXX

4. 2011 XXX XXX

5. 2012 XXX XXX XXX

6. 2013 XXX XXX XXX XXX

7. 2014 XXX XXX XXX XXX XXX

8. 2015 XXX XXX XXX XXX XXX XXX

9. 2016 XXX XXX XXX XXX XXX XXX XXX

10. 2017 XXX XXX XXX XXX XXX XXX XXX XXX

11. 2018 XXX XXX XXX XXX XXX XXX XXX XXX XXX

92

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE T - EXHIBIT OF PREMIUMS WRITTENAllocated by States and Territories

1 Gross Premiums, Including Policy and Membership Fees, Less Return Premiums and Premiums on Policies Not

Taken

4

DividendsPaid or

5

Direct

6 7 8

Finance and

9Direct

Premiums Written for

Federal

States, Etc.

ActiveStatus

(a)

2Direct

Premiums Written

3Direct

Premiums Earned

Credited to Policyholders

on Direct Business

LossesPaid

(DeductingSalvage)

DirectLosses Incurred

DirectLossesUnpaid

Service Charges Not Included in Premiums

Purchasing Groups

(Included in Column 2)

1. Alabama AL L 148,571,072 153,416,212 670 82,395,415 85,011,781 255,765,634 42,894 2,122

2. Alaska AK L 34,977,110 40,454,365 18,923,108 20,260,367 71,508,908 209

3. Arizona AZ L 167,688,951 177,216,001 128 106,108,042 102,255,493 343,134,028 11,669 666

4. Arkansas AR L 73,902,561 73,985,992 40,708,822 52,422,840 160,454,820 29,323 4,845

5. California CA L 1,571,247,730 1,495,512,250 967,534,435 964,455,469 4,460,374,492 69,637 16,401

6. Colorado CO L 208,061,234 198,702,973 2,096 184,619,016 191,736,711 446,708,259 68,735 15,580

7. Connecticut CT L 152,087,585 167,464,192 300,754 66,785,567 67,345,515 299,972,879 12,100 7,410

8. Delaware DE L 67,139,621 67,621,392 235 24,909,084 37,097,886 139,497,227 33,505

9. District of Columbia DC L 50,430,027 51,244,579 20,973,582 33,147,512 132,382,912 333

10. Florida FL L 808,591,414 856,368,502 1,909,423 648,678,294 809,939,133 1,525,231,899 19,271 48,769

11. Georgia GA L 286,568,966 309,002,668 1,829 196,204,457 152,975,596 499,445,913 65,865 20,403

12. Hawaii HI L 57,134,271 54,980,193 23,265,797 46,977,597 179,585,892 2,937

13. Idaho ID L 32,405,718 34,510,164 14,607,644 17,024,899 51,429,449 12,598 2,515

14. Illinois IL L 556,046,412 719,765,739 (120,760) 330,692,181 258,992,675 1,382,944,576 (1,427,324) 48,297

15. Indiana IN L 202,008,065 197,859,835 4,528 89,824,384 88,014,289 232,274,966 115,230 4,068

16. Iowa IA L 162,448,320 166,162,340 40,457 112,946,374 189,514,396 248,017,682 308,693

17. Kansas KS L 216,922,107 207,857,132 183 139,013,922 153,300,456 178,495,573 411,631 14,418

18. Kentucky KY L 140,747,771 135,115,526 93,071,504 132,138,201 323,895,515 186,229 5,922

19. Louisiana LA L 206,258,887 207,510,127 95 138,355,751 165,652,696 430,865,794 4,322 13,485

20. Maine ME L 25,170,275 27,059,123 8,370,971 9,039,611 27,364,797 29,080 3,003

21. Maryland MD L 178,290,585 188,414,351 135,152,881 148,217,039 474,327,609 59,359 6,602

22. Massachusetts MA L 237,475,644 246,234,173 32 121,419,394 140,254,941 435,651,551 11,159 39,913

23. Michigan MI L 248,377,052 264,644,135 6,145 127,640,857 162,704,437 436,065,174 116,631 30,130

24. Minnesota MN L 364,155,007 356,420,351 52,361 198,696,507 201,419,625 367,399,091 634,729 6,881

25. Mississippi MS L 93,418,434 97,441,536 53,039,434 50,357,878 131,127,750 26,937 4,892

26. Missouri MO L 201,659,333 203,032,825 988 124,578,111 162,773,826 382,563,343 116,255 4,522

27. Montana MT L 61,133,659 61,059,310 831 30,591,014 40,022,971 64,990,229 (428,376)

28. Nebraska NE L 169,255,564 173,554,163 636 139,198,751 96,563,328 149,889,097 381,714

29. Nevada NV L 93,785,037 91,628,875 10,603 72,505,769 67,016,059 209,824,027 276

30. New Hampshire NH L 35,506,371 36,795,114 15,016,974 17,170,489 72,317,376 2,757 7,694

31. New Jersey NJ L 503,483,912 512,530,499 267,743,211 343,641,666 1,218,010,024 7,145 12,654

32. New Mexico NM L 57,023,017 59,181,370 22,662,031 33,717,329 129,904,591 4,020 1,023

33. New York NY L 963,481,981 1,072,841,280 677,230,680 608,387,337 2,743,099,775 57,462 52,400

34. North Carolina NC L 292,591,460 302,386,715 3,618 212,137,505 282,047,194 512,804,190 126,578 18,720

35. North Dakota ND L 216,962,097 219,924,482 99,248,337 102,516,214 62,055,362 (868,024)

36. Ohio OH L 257,383,463 259,442,937 125,268,020 133,035,007 322,747,932 265,714 72,302

37. Oklahoma OK L 151,127,786 153,030,330 102,713,815 97,716,994 267,646,649 31,475 6,823

38. Oregon OR L 78,803,064 74,792,343 106,886,815 84,357,822 105,839,700 4,514 333

39. Pennsylvania PA L 566,018,716 569,770,662 40,673 340,037,477 350,007,497 1,174,848,249 50,795 31,191

40. Rhode Island RI L 42,467,383 31,148,131 31,872,755 35,602,403 101,035,076 386 1,276

41. South Carolina SC L 169,417,971 170,596,885 285 97,252,199 108,707,316 295,620,485 4,264 2,355

42. South Dakota SD L 121,506,803 124,032,661 842 67,357,074 64,354,210 69,076,898 156,085

43. Tennessee TN L 171,016,727 98,957,271 223 90,654,573 82,987,763 399,861,134 74,814 6,460

44. Texas TX L 978,850,789 929,498,348 3,707,448 878,402,578 385,062,909 1,717,209,778 108,245 31,628

45. Utah UT L 82,198,866 86,424,008 30,958,743 32,484,189 131,246,929 3,876

46. Vermont VT L 17,044,489 20,010,701 16,815,700 16,969,645 22,364,205 5,362 3,575

47. Virginia VA L 263,353,472 280,185,400 1,168,431 176,387,364 206,641,057 461,025,110 227,263 19,666

48. Washington WA L 189,715,467 185,268,648 94,354,905 102,052,951 230,129,707 39,277 27,788

49. West Virginia WV L 44,189,012 46,634,025 19 27,233,584 44,053,474 130,183,745 6,021

50. Wisconsin WI L 303,043,853 310,496,753 2,797,327 156,307,940 142,168,376 383,479,075 239,028 10,389

51. Wyoming WY L 27,336,564 29,120,023 10,401,387 10,653,293 17,860,680 9,820

52. American Samoa AS N

53. Guam GU L 1,916,707 1,950,167 637 30,875 389,603

54. Puerto Rico PR L 11,070,120 12,452,636 128,646,242 26,669,822 279,505,620

55. U.S. Virgin Islands VI L 1,115,701 1,047,597 69,321,216 92,558,358 158,693,815

56. Northern Mariana Islands MP L 108,897 64,653 (1,531) 10,099

57. Canada CAN N

58. Aggregate other alien OT XXX 49,518,205 46,738,787 134,328,310 72,352,170 153,388,836

59. Totals XXX 12,412,211,306 12,659,561,450 9,930,100 8,290,051,139 8,122,578,057 25,201,543,728 1,468,289 611,330

DETAILS OF WRITE-INS

58999. Totals (Lines 58001 through 58003 plus 58998)(Line 58 above) XXX 49,518,205 46,738,787 134,328,310 72,352,170 153,388,836

(a) Active Status Counts:

L - Licensed or Chartered - Licensed insurance carrier or domiciled RRG 55 R - Registered - Non-domiciled RRGs

E - Eligible - Reporting entities eligible or approved to write surplus lines in the state (other Q - Qualified - Qualified or accredited reinsurer

than their state of domicile - see DSLI) N - None of the above - Not allowed to write

D - Domestic Surplus Lines Insurer (DSLI) - Reporting entities authorized to write surplus business in the state 2

lines in the state of domicile

(b) Explanation of basis of allocation of premiums by states, etc.

- LOCATION OF PROPERTY - FIRE, EARTHQUAKE, ALLIED LINES, HOMEOWNERS MULTIPLE PERIL, BURGLARY AND THEFT, COMMERCIAL MULTIPLE PERIL,

WARRANTY (HOME), BOILER AND MACHINERY, OCEAN MARINE, INLAND MARINE, GLASS

- PLACE WHERE PRINCIPALLY GARAGED - AUTO PHYSICAL DAMAGE, AUTO LIABILITY, AIRCRAFT (ALL PERILS)

- LOCATION OF OPERATION - WORKERS COMPENSATION

- LOCATION OF OPERATION OF PREMISES - LIABILITY OTHER THAN AUTO

- LOCATION OF EMPLOYMENT - GROUP ACCIDENT AND HEALTH

- LOCATION OF RISK - MEDICAL MALPRACTICE

- ADDRESS OF INSURED - OTHER ACCIDENT AND HEALTH, WARRANTY (DEALERSHIP)

- LOCATION OF RISK WHERE OBLIGATION EXISTS, LOCATION OF WORK PERFORMED, LOCATION OF OBLIGEE - FIDELITY, SURETY

- PRINCIPAL PLACE OF INSURED - CREDIT

"Other Alien" premium not allocated to a specific country due to unique exposures not currently contemplated by the NAIC list of country codes or system limitations

94

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE D - SUMMARY BY COUNTRYLong-Term Bonds and Stocks OWNED December 31 of Current Year

Description

1Book/Adjusted Carrying Value

2

Fair Value

3

Actual Cost

4

Par Value of Bonds

BONDS

Governments

(Including all obligations guaranteed by governments)

1. United States 4,326,076,850 4,312,459,096 4,379,649,419 4,327,462,925

2. Canada 508,628,303 502,311,238 512,460,286 502,150,000

3. Other Countries 966,788,138 958,425,503 964,472,482 974,261,000

4. Totals 5,801,493,291 5,773,195,837 5,856,582,187 5,803,873,925

U.S. States, Territories and Possessions

(Direct and guaranteed) 5. Totals 321,455,500 324,717,726 331,520,227 290,550,000

U.S. Political Subdivisions of States, Territories and Possessions (Direct and guaranteed)

6. Totals 461,893,819 462,937,125 475,721,280 442,615,000

U.S. Special Revenue and Special Assessment Obligations and all Non-Guaranteed Obligations of Agencies and Authorities of Governments and their Political Subdivisions 7. Totals 4,479,424,102 4,463,312,737 4,555,934,610 4,227,270,111

Industrial and Miscellaneous, SVO Identified Funds, Bank Loans and Hybrid Securities (unaffiliated)

8. United States 6,520,319,643 6,480,699,952 6,596,327,924 6,560,409,145

9. Canada 172,753,290 171,473,497 175,410,251 174,343,296

10. Other Countries 1,368,719,339 1,357,469,768 1,374,771,632 1,373,377,365

11. Totals 8,061,792,272 8,009,643,217 8,146,509,807 8,108,129,806

Parent, Subsidiaries and Affiliates 12. Totals

13. Total Bonds 19,126,058,984 19,033,806,642 19,366,268,111 18,872,438,842

PREFERRED STOCKS

Industrial and Miscellaneous (unaffiliated)

14. United States

15. Canada

16. Other Countries

17. Totals

Parent, Subsidiaries and Affiliates 18. Totals

19. Total Preferred Stocks

COMMON STOCKS

Industrial and Miscellaneous (unaffiliated)

20. United States 939,944,671 939,944,671 983,071,390

21. Canada

22. Other Countries 223,953,086 223,953,087 211,064,948

23. Totals 1,163,897,757 1,163,897,758 1,194,136,338

Parent, Subsidiaries and Affiliates 24. Totals 323,112,581 322,802,581 445,554,945

25. Total Common Stocks 1,487,010,338 1,486,700,339 1,639,691,283

26. Total Stocks 1,487,010,338 1,486,700,339 1,639,691,283

27. Total Bonds and Stocks 20,613,069,322 20,520,506,981 21,005,959,394

SI04

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE D - PART 1A - SECTION 1Quality and Maturity Distribution of All Bonds Owned December 31, at Book/Adjusted Carrying Values by Major Types of Issues and NAIC Designations

NAIC Designation

1

1 Year or Less

2Over 1 Year

Through 5 Years

3Over 5 Years

Through 10 Years

4Over 10 Years

Through 20 Years

5

Over 20 Years

6No Maturity

Date

7

Total Current Year

8Col. 7 as a % of

Line 11.7

9Total from Col. 7

Prior Year

10% From Col. 8

Prior Year

11Total Publicly

Traded

12Total Privately

Placed (a)

1. U.S. Governments

1.1 NAIC 1 796,341,159 2,679,748,972 718,360,721 26,921,538 157,465,498 XXX 4,378,837,888 22.8 4,359,309,375 23.4 4,378,837,890 (2)

1.2 NAIC 2 XXX

1.3 NAIC 3 XXX

1.4 NAIC 4 XXX

1.5 NAIC 5 XXX

1.6 NAIC 6 XXX

1.7 Totals 796,341,159 2,679,748,972 718,360,721 26,921,538 157,465,498 XXX 4,378,837,888 22.8 4,359,309,375 23.4 4,378,837,890 (2)

2. All Other Governments

2.1 NAIC 1 302,939,072 725,468,556 446,759,324 249,489 XXX 1,475,416,441 7.7 1,215,754,506 6.5 1,452,915,493 22,500,948

2.2 NAIC 2 XXX

2.3 NAIC 3 XXX

2.4 NAIC 4 XXX

2.5 NAIC 5 XXX

2.6 NAIC 6 XXX

2.7 Totals 302,939,072 725,468,556 446,759,324 249,489 XXX 1,475,416,441 7.7 1,215,754,506 6.5 1,452,915,493 22,500,948

3. U.S. States, Territories and Possessions etc., Guaranteed

3.1 NAIC 1 87,566,203 191,245,931 7,711,516 13,409,072 XXX 299,932,722 1.6 328,562,026 1.8 299,932,721 1

3.2 NAIC 2 5,565,997 15,956,786 XXX 21,522,783 0.1 7,167,293 0.0 21,522,783

3.3 NAIC 3 XXX

3.4 NAIC 4 XXX

3.5 NAIC 5 XXX

3.6 NAIC 6 XXX

3.7 Totals 93,132,200 207,202,717 7,711,516 13,409,072 XXX 321,455,505 1.7 335,729,319 1.8 321,455,504 1

4. U.S. Political Subdivisions of States, Territories and Possessions , Guaranteed

4.1 NAIC 1 999,731 102,167,180 267,955,626 37,576,796 51,342,672 XXX 460,042,005 2.4 432,799,836 2.3 460,042,005

4.2 NAIC 2 1,851,816 XXX 1,851,816 0.0 4,319,727 0.0 1,851,816

4.3 NAIC 3 XXX

4.4 NAIC 4 XXX

4.5 NAIC 5 XXX

4.6 NAIC 6 XXX

4.7 Totals 999,731 102,167,180 269,807,442 37,576,796 51,342,672 XXX 461,893,821 2.4 437,119,563 2.4 461,893,821

5. U.S. Special Revenue & Special Assessment Obligations, etc., Non-Guaranteed

5.1 NAIC 1 297,196,402 1,158,423,703 1,543,786,591 661,441,809 630,809,559 XXX 4,291,658,064 22.4 4,161,975,533 22.4 4,291,658,062 2

5.2 NAIC 2 1,462,576 25,056,038 78,962,199 35,585,368 44,083,636 XXX 185,149,817 1.0 152,634,490 0.8 185,149,818 (1)

5.3 NAIC 3 833,841 1,782,359 XXX 2,616,200 0.0 2,616,200

5.4 NAIC 4 XXX

5.5 NAIC 5 XXX

5.6 NAIC 6 XXX

5.7 Totals 298,658,978 1,183,479,741 1,622,748,790 697,861,018 676,675,554 XXX 4,479,424,081 23.4 4,314,610,023 23.2 4,479,424,080 1

SI0

5

Page 85: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE D - PART 1A - SECTION 1 (Continued)Quality and Maturity Distribution of All Bonds Owned December 31, at Book/Adjusted Carrying Values by Major Types of Issues and NAIC Designations

NAIC Designation

1

1 Year or Less

2Over 1 Year

Through 5 Years

3Over 5 Years

Through 10 Years

4Over 10 Years

Through 20 Years

5

Over 20 Years

6No Maturity

Date

7

Total Current Year

8Col. 7 as a % of

Line 11.7

9Total from Col. 7

Prior Year

10% From Col. 8

Prior Year

11Total Publicly

Traded

12Total Privately

Placed (a)

6. Industrial & Miscellaneous (Unaffiliated)

6.1 NAIC 1 513,774,164 2,321,046,318 2,077,345,240 198,288,662 96,268,784 XXX 5,206,723,168 27.1 4,626,650,529 24.9 2,978,916,108 2,227,807,060

6.2 NAIC 2 47,726,939 599,148,156 894,220,276 199,434,780 7,448,598 XXX 1,747,978,749 9.1 2,182,285,121 11.7 685,561,447 1,062,417,302

6.3 NAIC 3 11,722,383 114,461,741 119,750,073 10,533,310 6,006,471 XXX 262,473,978 1.4 510,979,395 2.7 101,979,244 160,494,734

6.4 NAIC 4 13,478,341 98,358,438 67,184,150 263,425 1,157,549 XXX 180,441,903 0.9 568,399,453 3.1 65,663,130 114,778,773

6.5 NAIC 5 2,033,473 XXX 2,033,473 0.0 20,764,255 0.1 2,033,473

6.6 NAIC 6 XXX 101,352 0.0

6.7 Totals 586,701,827 3,135,048,126 3,158,499,739 408,520,177 110,881,402 XXX 7,399,651,271 38.6 7,909,180,105 42.5 3,832,119,929 3,567,531,342

7. Hybrid Securities

7.1 NAIC 1 XXX

7.2 NAIC 2 10,564,170 XXX 10,564,170 0.1 10,574,776 0.1 10,564,170

7.3 NAIC 3 7,347,610 XXX 7,347,610 0.0 7,644,826 0.0 7,347,610

7.4 NAIC 4 XXX

7.5 NAIC 5 XXX

7.6 NAIC 6 XXX

7.7 Totals 10,564,170 7,347,610 XXX 17,911,780 0.1 18,219,602 0.1 17,911,780

8. Parent, Subsidiaries and Affiliates

8.1 NAIC 1 XXX

8.2 NAIC 2 XXX

8.3 NAIC 3 XXX

8.4 NAIC 4 XXX

8.5 NAIC 5 XXX

8.6 NAIC 6 XXX

8.7 Totals XXX

9. SVO Identified Funds

9.1 NAIC 1 XXX XXX XXX XXX XXX

9.2 NAIC 2 XXX XXX XXX XXX XXX

9.3 NAIC 3 XXX XXX XXX XXX XXX

9.4 NAIC 4 XXX XXX XXX XXX XXX

9.5 NAIC 5 XXX XXX XXX XXX XXX

9.6 NAIC 6 XXX XXX XXX XXX XXX

9.7 Totals XXX XXX XXX XXX XXX

10. Bank Loans

10.1 NAIC 1 XXX XXX XXX

10.2 NAIC 2 XXX XXX XXX

10.3 NAIC 3 1,899,654 45,862,277 156,469,475 23,656 XXX 204,255,062 1.1 XXX XXX 204,255,062

10.4 NAIC 4 4,149,595 102,439,106 303,477,803 XXX 410,066,504 2.1 XXX XXX 410,066,504

10.5 NAIC 5 290,729 16,819,153 12,797,775 XXX 29,907,657 0.2 XXX XXX 29,907,657

10.6 NAIC 6 XXX XXX XXX

10.7 Totals 6,339,978 165,120,536 472,745,053 23,656 XXX 644,229,223 3.4 XXX XXX 644,229,223

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE D - PART 1A - SECTION 1 (Continued)Quality and Maturity Distribution of All Bonds Owned December 31, at Book/Adjusted Carrying Values by Major Types of Issues and NAIC Designations

NAIC Designation

1

1 Year or Less

2Over 1 Year

Through 5 Years

3Over 5 Years

Through 10 Years

4Over 10 Years

Through 20 Years

5

Over 20 Years

6No Maturity

Date

7

Total Current Year

8Col. 7 as a % of

Line 11.7

9Total from Col. 7

Prior Year

10% From Col. 8

Prior Year

11Total Publicly

Traded

12Total Privately

Placed (a)

11. Total Bonds Current Year

11.1 NAIC 1 (d) 1,911,250,528 7,074,420,932 5,245,453,433 931,940,321 949,545,074 16,112,610,288 84.0 XXX XXX 13,862,302,279 2,250,308,009

11.2 NAIC 2 (d) 49,189,515 629,770,191 990,991,077 245,584,318 51,532,234 1,967,067,335 10.3 XXX XXX 904,650,034 1,062,417,301

11.3 NAIC 3 (d) 13,622,037 160,324,018 276,219,548 11,367,151 15,160,096 476,692,850 2.5 XXX XXX 111,943,054 364,749,796

11.4 NAIC 4 (d) 17,627,936 200,797,544 370,661,953 263,425 1,157,549 590,508,407 3.1 XXX XXX 65,663,130 524,845,277

11.5 NAIC 5 (d) 290,729 18,852,626 12,797,775 (c) 31,941,130 0.2 XXX XXX 31,941,130

11.6 NAIC 6 (d) (c) XXX XXX

11.7 Totals 1,991,980,745 8,084,165,311 6,896,123,786 1,189,155,215 1,017,394,953 (b) 19,178,820,010 100.0 XXX XXX 14,944,558,497 4,234,261,513

11.8 Line 11.7 as a % of Col. 7 10.4 42.2 36.0 6.2 5.3 100.0 XXX XXX XXX 77.9 22.1

12. Total Bonds Prior Year

12.1 NAIC 1 1,814,804,943 6,788,023,624 4,767,207,490 844,046,302 910,969,446 XXX XXX 15,125,051,805 81.4 13,542,631,232 1,582,420,573

12.2 NAIC 2 86,652,802 950,222,507 1,019,640,873 254,483,926 45,981,299 XXX XXX 2,356,981,407 12.7 1,319,061,335 1,037,920,072

12.3 NAIC 3 52,793,316 211,212,187 223,133,361 19,930,906 11,554,451 XXX XXX 518,624,221 2.8 148,862,094 369,762,127

12.4 NAIC 4 67,978,801 232,367,077 266,516,421 1,174,714 362,440 XXX XXX 568,399,453 3.1 124,324,296 444,075,157

12.5 NAIC 5 1,860,008 9,190,532 9,713,715 XXX XXX (c) 20,764,255 0.1 559,241 20,205,014

12.6 NAIC 6 86,352 15,000 XXX XXX (c) 101,352 0.0 86,352 15,000

12.7 Totals 2,024,089,870 8,191,102,279 6,276,498,145 1,129,349,563 968,882,636 XXX XXX (b) 18,589,922,493 100.0 15,135,524,550 3,454,397,943

12.8 Line 12.7 as a % of Col. 9 10.9 44.1 33.8 6.1 5.2 XXX XXX 100.0 XXX 81.4 18.6

13. Total Publicly Traded Bonds

13.1 NAIC 1 1,676,176,694 6,223,039,133 4,318,521,580 754,619,727 889,945,138 13,862,302,272 72.3 13,542,631,232 72.8 13,862,302,272 XXX

13.2 NAIC 2 17,066,303 301,873,616 485,518,569 51,889,843 48,301,704 904,650,035 4.7 1,319,061,335 7.1 904,650,035 XXX

13.3 NAIC 3 2,729,148 43,769,434 46,672,928 3,647,119 15,124,425 111,943,054 0.6 148,862,094 0.8 111,943,054 XXX

13.4 NAIC 4 6,701,687 33,831,430 23,755,238 237,522 1,137,253 65,663,130 0.3 124,324,296 0.7 65,663,130 XXX

13.5 NAIC 5 559,241 0.0 XXX

13.6 NAIC 6 86,352 0.0 XXX

13.7 Totals 1,702,673,832 6,602,513,613 4,874,468,315 810,394,211 954,508,520 14,944,558,491 77.9 15,135,524,550 81.4 14,944,558,491 XXX

13.8 Line 13.7 as a % of Col. 7 11.4 44.2 32.6 5.4 6.4 100.0 XXX XXX XXX 100.0 XXX

13.9 Line 13.7 as a % of Line 11.7, Col. 7, Section 11 8.9 34.4 25.4 4.2 5.0 77.9 XXX XXX XXX 77.9 XXX

14. Total Privately Placed Bonds

14.1 NAIC 1 235,073,834 851,381,799 926,931,853 177,320,594 59,599,936 2,250,308,016 11.7 1,582,420,573 8.5 XXX 2,250,308,016

14.2 NAIC 2 32,123,212 327,896,575 505,472,508 193,694,475 3,230,530 1,062,417,300 5.5 1,037,920,072 5.6 XXX 1,062,417,300

14.3 NAIC 3 10,892,889 116,554,584 229,546,620 7,720,032 35,671 364,749,796 1.9 369,762,127 2.0 XXX 364,749,796

14.4 NAIC 4 10,926,249 166,966,114 346,906,715 25,903 20,296 524,845,277 2.7 444,075,157 2.4 XXX 524,845,277

14.5 NAIC 5 290,729 18,852,626 12,797,775 31,941,130 0.2 20,205,014 0.1 XXX 31,941,130

14.6 NAIC 6 15,000 0.0 XXX

14.7 Totals 289,306,913 1,481,651,698 2,021,655,471 378,761,004 62,886,433 4,234,261,519 22.1 3,454,397,943 18.6 XXX 4,234,261,519

14.8 Line 14.7 as a % of Col. 7 6.8 35.0 47.7 8.9 1.5 100.0 XXX XXX XXX XXX 100.0

14.9 Line 14.7 as a % of Line 11.7, Col. 7, Section 11 1.5 7.7 10.5 2.0 0.3 22.1 XXX XXX XXX XXX 22.1

(a) Includes $ 2,077,733,411 freely tradable under SEC Rule 144 or qualified for resale under SEC Rule 144A.

(b) Includes $ 272,854,819 current year of bonds with Z designations, $ 117,882,552 prior year of bonds with Z designations and $ prior year of bonds with Z* designations. The letter "Z" means the NAIC designation was not assigned by the

Securities Valuation Office (SVO) at the date of the statement. "Z*" means the SVO could not evaluate the obligation because valuation procedures for the security class are under regulatory review.

(c) Includes $ current year of bonds with 5GI designations, $ 9,713,715 prior year of bonds with 5* or 5GI designations and $ current year, $ 262 prior year of bonds with 6* designations. "5GI" means the NAIC

designation was assigned by the (SVO) in reliance on the insurer's certification that the issuer is current in all principal and interest payments. "6*" means the NAIC designation was assigned by the SVO due to inadequate certification of principal and interest payments.

(d) Includes the following amount of short-term and cash equivalent bonds by NAIC designation: NAIC 1 $ 52,761,036 ; NAIC 2 $ ; NAIC 3 $ ; NAIC 4 $ ; NAIC 5 $ ; NAIC 6 $

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE D - PART 1A - SECTION 2Maturity Distribution of All Bonds Owned December 31, at Book/Adjusted Carrying Values by Major Type and Subtype of Issues

Distribution by Type

1

1 Year or Less

2Over 1 Year

Through 5 Years

3Over 5 Years

Through 10 Years

4Over 10 Years

Through 20 Years

5

Over 20 Years

6No Maturity

Date

7

Total Current Year

8Col. 7 as a % of

Line 11.7

9Total from Col. 7

Prior Year

10% From Col. 8

Prior Year

11Total Publicly

Traded

12Total Privately

Placed

1. U.S. Governments1.1 Issuer Obligations 774,496,029 2,614,355,815 679,744,059 106,064 114,501,569 XXX 4,183,203,536 21.8 4,187,762,272 22.5 4,183,203,536

1.2 Residential Mortgage-Backed Securities 21,707,777 64,801,402 37,516,356 26,643,058 42,963,930 XXX 193,632,523 1.0 171,547,101 0.9 193,632,519 4

1.3 Commercial Mortgage-Backed Securities 137,354 591,758 1,100,306 172,416 XXX 2,001,834 0.0 2,001,834

1.4 Other Loan-Backed and Structured Securities XXX

1.5 Totals 796,341,160 2,679,748,975 718,360,721 26,921,538 157,465,499 XXX 4,378,837,893 22.8 4,359,309,373 23.4 4,378,837,889 4

2. All Other Governments

2.1 Issuer Obligations 302,939,072 725,468,556 446,759,324 249,489 XXX 1,475,416,441 7.7 1,215,754,506 6.5 1,452,915,493 22,500,948

2.2 Residential Mortgage-Backed Securities XXX

2.3 Commercial Mortgage-Backed Securities XXX

2.4 Other Loan-Backed and Structured Securities XXX

2.5 Totals 302,939,072 725,468,556 446,759,324 249,489 XXX 1,475,416,441 7.7 1,215,754,506 6.5 1,452,915,493 22,500,948

3. U.S. States, Territories and Possessions, Guaranteed

3.1 Issuer Obligations 93,132,200 207,202,717 7,711,516 13,409,072 XXX 321,455,505 1.7 335,729,320 1.8 321,455,504 1

3.2 Residential Mortgage-Backed Securities XXX

3.3 Commercial Mortgage-Backed Securities XXX

3.4 Other Loan-Backed and Structured Securities XXX

3.5 Totals 93,132,200 207,202,717 7,711,516 13,409,072 XXX 321,455,505 1.7 335,729,320 1.8 321,455,504 1

4. U.S. Political Subdivisions of States, Territories and Possessions, Guaranteed

4.1 Issuer Obligations 999,731 102,167,180 269,807,442 37,576,796 51,342,672 XXX 461,893,821 2.4 437,119,562 2.4 461,893,821

4.2 Residential Mortgage-Backed Securities XXX

4.3 Commercial Mortgage-Backed Securities XXX

4.4 Other Loan-Backed and Structured Securities XXX

4.5 Totals 999,731 102,167,180 269,807,442 37,576,796 51,342,672 XXX 461,893,821 2.4 437,119,562 2.4 461,893,821

5. U.S. Special Revenue & Special Assessment Obligations etc., Non-Guaranteed

5.1 Issuer Obligations 33,585,477 377,350,551 985,680,731 410,183,148 653,323,782 XXX 2,460,123,689 12.8 2,352,484,256 12.7 2,460,123,689

5.2 Residential Mortgage-Backed Securities 261,025,542 738,089,804 461,804,128 260,189,342 23,350,733 XXX 1,744,459,549 9.1 1,679,796,740 9.0 1,744,459,547 2

5.3 Commercial Mortgage-Backed Securities 4,047,959 68,039,385 175,263,931 27,488,528 1,040 XXX 274,840,843 1.4 282,329,025 1.5 274,840,844 (1)

5.4 Other Loan-Backed and Structured Securities XXX

5.5 Totals 298,658,978 1,183,479,740 1,622,748,790 697,861,018 676,675,555 XXX 4,479,424,081 23.4 4,314,610,021 23.2 4,479,424,080 1

6. Industrial and Miscellaneous

6.1 Issuer Obligations 233,846,920 1,705,202,572 1,577,123,014 394,524,139 108,575,411 XXX 4,019,272,056 21.0 5,448,283,040 29.3 2,016,960,700 2,002,311,356

6.2 Residential Mortgage-Backed Securities 16,549,838 57,672,681 20,491,207 7,187,666 2,305,990 XXX 104,207,382 0.5 111,910,132 0.6 51,510,989 52,696,393

6.3 Commercial Mortgage-Backed Securities 37,168,377 602,666,372 1,008,728,225 4,885,692 XXX 1,653,448,666 8.6 1,297,038,144 7.0 1,235,569,549 417,879,117

6.4 Other Loan-Backed and Structured Securities 299,136,687 769,506,501 552,157,292 1,922,681 XXX 1,622,723,161 8.5 1,051,948,784 5.7 528,078,694 1,094,644,467

6.5 Totals 586,701,822 3,135,048,126 3,158,499,738 408,520,178 110,881,401 XXX 7,399,651,265 38.6 7,909,180,100 42.5 3,832,119,932 3,567,531,333

7. Hybrid Securities

7.1 Issuer Obligations 10,564,170 7,347,610 XXX 17,911,780 0.1 18,219,602 0.1 17,911,780

7.2 Residential Mortgage-Backed Securities XXX

7.3 Commercial Mortgage-Backed Securities XXX

7.4 Other Loan-Backed and Structured Securities XXX

7.5 Totals 10,564,170 7,347,610 XXX 17,911,780 0.1 18,219,602 0.1 17,911,780

8. Parent, Subsidiaries and Affiliates

8.1 Issuer Obligations XXX

8.2 Residential Mortgage-Backed Securities XXX

8.3 Commercial Mortgage-Backed Securities XXX

8.4 Other Loan-Backed and Structured Securities XXX

8.5 Totals XXX

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Page 88: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE D - PART 1A - SECTION 2 (Continued)Maturity Distribution of All Bonds Owned December 31, at Book/Adjusted Carrying Values by Major Type and Subtype of Issues

Distribution by Type

1

1 Year or Less

2Over 1 Year

Through 5 Years

3Over 5 Years

Through 10 Years

4Over 10 Years

Through 20 Years

5

Over 20 Years

6No Maturity

Date

7

Total Current Year

8Col. 7 as a % of

Line 11.7

9Total from Col. 7

Prior Year

10% From Col. 8

Prior Year

11Total Publicly

Traded

12Total Privately

Placed

9. SVO Identified Funds9.1 Exchange Traded Funds Identified by the SVO XXX XXX XXX XXX XXX

9.2 Bond Mutual Funds Identified by the SVO XXX XXX XXX XXX XXX

9.3 Totals XXX XXX XXX XXX XXX

10. Bank Loans

10.1 Bank Loans - Issued XXX XXX XXX

10.2 Bank Loans - Acquired 6,339,978 165,120,536 472,745,053 23,656 XXX 644,229,223 3.4 XXX XXX 644,229,223

10.3 Totals 6,339,978 165,120,536 472,745,053 23,656 XXX 644,229,223 3.4 XXX XXX 644,229,223

11. Total Bonds Current Year11.1 Issuer Obligations 1,345,867,229 5,617,676,874 4,166,317,287 860,665,833 948,749,605 XXX 12,939,276,828 67.5 XXX XXX 10,914,464,523 2,024,812,305

11.2 Residential Mortgage-Backed Securities 299,283,157 860,563,887 519,811,691 294,020,066 68,620,653 XXX 2,042,299,454 10.6 XXX XXX 1,989,603,055 52,696,399

11.3 Commercial Mortgage-Backed Securities 41,353,690 671,297,515 1,185,092,462 32,546,636 1,040 XXX 1,930,291,343 10.1 XXX XXX 1,512,412,227 417,879,116

11.4 Other Loan-Backed and Structured Securities 299,136,687 769,506,501 552,157,292 1,922,681 XXX 1,622,723,161 8.5 XXX XXX 528,078,694 1,094,644,467

11.5 SVO Identified Funds XXX XXX XXX XXX XXX XXX XXX

11.6 Bank Loans 6,339,978 165,120,536 472,745,053 23,656 XXX 644,229,223 3.4 XXX XXX 644,229,223

11.7 Totals 1,991,980,741 8,084,165,313 6,896,123,785 1,189,155,216 1,017,394,954 19,178,820,009 100.0 XXX XXX 14,944,558,499 4,234,261,510

11.8 Line 11.7 as a % of Col. 7 10.4 42.2 36.0 6.2 5.3 100.0 XXX XXX XXX 77.9 22.1

12. Total Bonds Prior Year12.1 Issuer Obligations 1,417,712,448 6,405,372,532 4,473,331,684 826,634,944 872,300,950 XXX XXX XXX 13,995,352,558 75.3 11,465,201,258 2,530,151,300

12.2 Residential Mortgage-Backed Securities 313,328,592 805,697,167 486,568,436 261,114,188 96,545,590 XXX XXX XXX 1,963,253,973 10.6 1,939,497,301 23,756,672

12.3 Commercial Mortgage-Backed Securities 57,117,589 389,419,547 1,093,294,128 39,514,811 21,094 XXX XXX XXX 1,579,367,169 8.5 1,268,514,033 310,853,136

12.4 Other Loan-Backed and Structured Securities 235,931,242 590,613,033 223,303,894 2,085,615 15,000 XXX XXX XXX 1,051,948,784 5.7 462,311,955 589,636,829

12.5 SVO Identified Funds XXX XXX XXX XXX XXX XXX XXX

12.6 Bank Loans XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX12.7 Totals 2,024,089,871 8,191,102,279 6,276,498,142 1,129,349,558 968,882,634 XXX XXX 18,589,922,484 100.0 15,135,524,547 3,454,397,937

12.8 Line 12.7 as a % of Col. 9 10.9 44.1 33.8 6.1 5.2 XXX XXX 100.0 XXX 81.4 18.6

13. Total Publicly Traded Bonds

13.1 Issuer Obligations 1,245,414,811 4,938,691,684 3,353,969,535 490,160,052 886,228,439 XXX 10,914,464,521 56.9 11,465,201,258 61.7 10,914,464,521 XXX13.2 Residential Mortgage-Backed Securities 295,194,880 824,701,680 509,076,211 292,351,244 68,279,042 XXX 1,989,603,057 10.4 1,939,497,301 10.4 1,989,603,057 XXX13.3 Commercial Mortgage-Backed Securities 15,483,446 486,358,709 982,908,085 27,660,944 1,040 XXX 1,512,412,224 7.9 1,268,514,033 6.8 1,512,412,224 XXX13.4 Other Loan-Backed and Structured Securities 146,580,698 352,761,542 28,514,484 221,972 XXX 528,078,696 2.8 462,311,955 2.5 528,078,696 XXX13.5 SVO Identified Funds XXX XXX XXX XXX XXX XXX13.6 Bank Loans XXX XXX XXX XXX13.7 Totals 1,702,673,835 6,602,513,615 4,874,468,315 810,394,212 954,508,521 14,944,558,498 77.9 15,135,524,547 81.4 14,944,558,498 XXX13.8 Line 13.7 as a % of Col. 7 11.4 44.2 32.6 5.4 6.4 100.0 XXX XXX XXX 100.0 XXX13.9 Line 13.7 as a % of Line 11.7, Col. 7, Section 11 8.9 34.4 25.4 4.2 5.0 77.9 XXX XXX XXX 77.9 XXX

14. Total Privately Placed Bonds

14.1 Issuer Obligations 100,452,418 678,985,190 812,347,752 370,505,781 62,521,166 XXX 2,024,812,307 10.6 2,530,151,300 13.6 XXX 2,024,812,307

14.2 Residential Mortgage-Backed Securities 4,088,277 35,862,207 10,735,480 1,668,822 341,611 XXX 52,696,397 0.3 23,756,672 0.1 XXX 52,696,397

14.3 Commercial Mortgage-Backed Securities 25,870,244 184,938,806 202,184,377 4,885,692 XXX 417,879,119 2.2 310,853,136 1.7 XXX 417,879,119

14.4 Other Loan-Backed and Structured Securities 152,555,989 416,744,959 523,642,808 1,700,709 XXX 1,094,644,465 5.7 589,636,829 3.2 XXX 1,094,644,465

14.5 SVO Identified Funds XXX XXX XXX XXX XXX XXX

14.6 Bank Loans 6,339,978 165,120,536 472,745,053 23,656 XXX 644,229,223 3.4 XXX XXX XXX 644,229,223

14.7 Totals 289,306,906 1,481,651,698 2,021,655,470 378,761,004 62,886,433 4,234,261,511 22.1 3,454,397,937 18.6 XXX 4,234,261,511

14.8 Line 14.7 as a % of Col. 7 6.8 35.0 47.7 8.9 1.5 100.0 XXX XXX XXX XXX 100.0

14.9 Line 14.7 as a % of Line 11.7, Col. 7, Section 11 1.5 7.7 10.5 2.0 0.3 22.1 XXX XXX XXX XXX 22.1

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Page 89: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE D - PART 1Showing All Long-Term BONDS Owned December 31 of Current Year

1 2 Codes 6 7 Fair Value 10 11 Change in Book/Adjusted Carrying Value Interest Dates3 4 5 8 9 12 13 14 15 16 17 18 19 20 21 22

CUSIP Identification Description

Code

Foreign

BondChar

NAICDesig-nation and

Admini-strative Symbol

ActualCost

Rate Used to Obtain

Fair Value

FairValue

ParValue

Book/AdjustedCarrying

Value

UnrealizedValuationIncrease/

(Decrease)

CurrentYear's(Amor-tization)

Accretion

CurrentYear'sOther-Than-

TemporaryImpairmentRecognized

TotalForeign

ExchangeChange

inBook/

AdjustedCarrying

ValueRate

of

EffectiveRate

ofWhenPaid

AdmittedAmountDue andAccrued

Amount Received

During Year Acquired

StatedContractual

MaturityDate

8399999 - Total Bonds 19,366,268,220 XXX 19,033,806,727 18,872,438,842 19,126,059,013 (52,313,055) (67,163,053) 697,645 XXX XXX XXX 130,894,117 549,542,623 XXX XXX

E10

Page 90: PROPERTY AND CASUALTY COMPANIES - ASSOCIATION …

COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE D - PART 2 - SECTION 1Showing All PREFERRED STOCKS Owned December 31 of Current Year

1 2 Codes 5 6 7 8 Fair Value 11 Dividends Change in Book/Adjusted Carrying Value 20 21

CUSIP Identi-fication Description

3

Code

4

For-eign

Numberof

Shares

ParValuePer

Share

RatePer

Share

Book/AdjustedCarrying

Value

9

RatePer

ShareUsed to Obtain

FairValue

10

Fair Value Actual Cost

12

Declaredbut Unpaid

13

Amount Received

During Year

14

Nonadmitted Declared But

Unpaid

15

Unrealized Valuation Increase/

(Decrease)

16

Current Year's (Amor-tization)

Accretion

17

Current Year's

Other-Than- Temporary Impairment Recognized

18

Total Change in

Book/Adjusted Carrying Value (15 + 16 - 17)

19

Total Foreign

Exchange Change in

Book/Adjusted Carrying

Value

NAIC Desig-nation and

Admini-strative Symbol/Market Indi-cator

Date Acquired

8999999 - Total Preferred Stocks XXX XXX XXX

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE D - PART 2 - SECTION 2Showing All COMMON STOCKS Owned December 31 of Current Year

1 2 Codes 5 6 Fair Value 9 Dividends Change in Book/Adjusted Carrying Value 17 18

CUSIP Identi-fication Description

3

Code

4

For-eign

Numberof

Shares

Book/AdjustedCarrying

Value

7RatePer

ShareUsed to Obtain

FairValue

8

Fair Value Actual Cost

10

Declaredbut Unpaid

11

Amount Received

During Year

12

Nonadmitted Declared But

Unpaid

13

Unrealized Valuation Increase/

(Decrease)

14

Current Year's Other-Than- Temporary Impairment Recognized

15

Total Change in Book/Adjusted Carrying Value

(13 - 14)

16

Total Foreign Exchange Change in

Book/Adjusted Carrying

Value

NAIC Market

Indicator(a)

Date Acquired

9899999 - Total Preferred and Common Stocks 1,487,010,347 XXX 1,486,700,346 1,639,691,290 1,667,831 17,660,624 (200,300,020) 6,887,435 (207,187,455) 2,836,441 XXX XXX(a) For all common stock bearing the NAIC market indicator "U" provide: the number of such issues 129 , the total $ value (included in Column 8) of all such issues $ 409,147,026

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COMBINED STATEMENT FOR THE YEAR 2018 OF THE ZURICH AMERICAN INSURANCE COMPANY AND AFFILIATES

SCHEDULE ZPART 1 - COMPANIES INCLUDED IN THE CURRENT YEAR THAT ARE CONSOLIDATED OR COMBINED

Ownership InterestName of Company NAIC Code FIT Current Prior Basis for Inclusion

American Guarantee and Liability Insurance Company 26247 36-6071400 100.0 100.0 Consolidation

American Zurich Insurance Company 40142 36-3141762 100.0 100.0 Consolidation

Colonial American Casualty and Surety Company 34347 52-1096670 100.0 100.0 Consolidation

Empire Fire and Marine Insurance Company 21326 47-6022701 100.0 100.0 Consolidation

Empire Indemnity Insurance Company 21334 73-6091717 100.0 100.0 Consolidation

Fidelity and Deposit Company of Maryland 39306 13-3046577 100.0 100.0 Consolidation

Rural Community Insurance Company 39039 41-1375004 100.0 100.0 Consolidation

Steadfast Insurance Company 26387 52-0981481 100.0 100.0 Consolidation

Universal Underwriters Insurance Company 41181 43-1249228 100.0 100.0 Consolidation

Universal Underwriters of Texas Insurance Company 40843 36-3139101 100.0 100.0 Consolidation

Zurich American Insurance Company 16535 36-4233459 100.0 100.0 Consolidation

Zurich American Insurance Company of Illinois 27855 36-2781080 100.0 100.0 Consolidation

PART 2 - COMPANIES INCLUDED IN THE CURRENT YEAR AND EXCLUDED IN THE PRIOR YEAROwnership Interest

Name of Company NAIC Code FIT Current Prior Reason for Inclusion

Rural Community Insurance Company 39039 41-1375004 100.0 100.0 Consolidation

PART 3 - COMPANIES EXCLUDED IN THE CURRENT YEAR AND INCLUDED IN THE PRIOR YEAROwnership Interest

Name of Company NAIC Code FIT Current Prior Reason for Exclusion

NONE

914