Company Name:
EMPIRE FIRE AND MARINE INSURANCE COCompany Address:
1299 ZURICH WAY
SCHAUMBURG, IL 60196Mailing Address:
1299 ZURICH WAY, 5TH FLOOR
SCHAUMBURG, IL 60196-1056Mailing Phone:
8476053284Description:
Property and Casualty (Ch 379, RSMo)Date Admitted:
1957-11-06
| Line |
Authorized Date |
| Accident and Health |
1957-11-06 |
| Fidelity and Surety |
1957-11-06 |
| Liability |
1957-11-06 |
| Miscellaneous |
1957-11-06 |
| Property |
1957-11-06 |
Burglary & Theft
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.72% |
$17,607 |
$14,972 |
$0 |
$0 |
0.00% |
| Missouri Total |
100.00% |
$2,446,545 |
$2,949,704 |
$562,171 |
$506,458 |
17.17% |
Commercial Auto Collision
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
2.47% |
$2,483,596 |
$2,387,256 |
$1,525,220 |
$1,404,122 |
58.82% |
| Missouri Total |
100.00% |
$100,617,350 |
$94,879,197 |
$49,031,878 |
$55,532,374 |
58.53% |
Commercial Auto Comprehensive
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
3.25% |
$1,924,950 |
$1,734,547 |
$661,528 |
$723,335 |
41.70% |
| Missouri Total |
100.00% |
$59,195,204 |
$57,778,388 |
$23,883,950 |
$25,319,207 |
43.82% |
Commercial Auto Liability Bodily Injury
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
4.69% |
$11,415,290 |
$10,959,314 |
$5,668,482 |
$12,012,543 |
109.61% |
| Missouri Total |
100.00% |
$243,246,527 |
$221,630,750 |
$138,938,134 |
$191,066,809 |
86.21% |
Commercial Auto Liability Property Damage
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
5.80% |
$4,879,502 |
$4,685,661 |
$379,497 |
$398,061 |
8.50% |
| Missouri Total |
100.00% |
$84,139,767 |
$82,573,429 |
$45,408,262 |
$50,453,557 |
61.10% |
Commercial Auto Medical Payments
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.55% |
$37,802 |
$34,856 |
$7,779 |
$7,135 |
20.47% |
| Missouri Total |
100.00% |
$6,935,551 |
$8,773,033 |
$1,398,901 |
$946,477 |
10.79% |
Commercial Auto Uninsured Motorists
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.87% |
$139,942 |
$126,178 |
$93,573 |
$99,891 |
79.17% |
| Missouri Total |
100.00% |
$16,017,473 |
$16,397,727 |
$7,714,719 |
$8,626,258 |
52.61% |
Commercial Fire & Allied Lines
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.29% |
$398,332 |
$330,332 |
$115,012 |
$206,094 |
62.39% |
| Missouri Total |
100.00% |
$138,247,272 |
$126,571,650 |
$51,698,363 |
$52,423,402 |
41.42% |
Commercial Multi-Peril
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.14% |
$736,597 |
$718,301 |
$1,880,314 |
$2,006,384 |
279.32% |
| Missouri Total |
100.00% |
$523,399,718 |
$490,498,672 |
$290,996,242 |
$259,295,841 |
52.86% |
Direct Workers Compensation
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.00% |
$0 |
$0 |
$0 |
$-3 |
|
| Missouri Total |
100.00% |
$812,939,830 |
$781,621,057 |
$442,071,631 |
$551,143,597 |
70.51% |
Group Comprehensive Medical Expense - Association
|
Market Share |
Number of Insureds |
Direct Premium Written |
Direct Premium Earned |
Dividends Paid |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.11% |
265 |
$93,999 |
$93,999 |
$0 |
$1,372 |
$37,395 |
39.78% |
| Missouri Total |
100.00% |
61,735 |
$85,579,770 |
$84,644,366 |
$26,942 |
$51,186,679 |
$50,980,674 |
60.23% |
Growing Crops
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
3.00% |
$156,294 |
$156,294 |
$73,147 |
$73,149 |
46.80% |
| Missouri Total |
100.00% |
$5,202,935 |
$5,202,935 |
$2,626,045 |
$2,623,289 |
50.42% |
Inland Marine (Incl Auto Cargo)
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.11% |
$197,278 |
$200,876 |
$56,958 |
$58,044 |
28.90% |
| Missouri Total |
100.00% |
$179,895,286 |
$168,325,651 |
$65,809,176 |
$68,367,232 |
40.62% |
Other Liability - Bodily Injury & Property Damage
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.14% |
$647,445 |
$521,987 |
$177,701 |
$577,383 |
110.61% |
| Missouri Total |
100.00% |
$470,213,482 |
$408,581,517 |
$192,337,111 |
$273,087,274 |
66.84% |
Private Passenger Auto Collision
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.00% |
$10,700 |
$9,036 |
$47,167 |
$49,369 |
546.36% |
| Missouri Total |
100.00% |
$782,499,050 |
$774,073,704 |
$474,880,795 |
$476,914,243 |
61.61% |
Private Passenger Auto Comprehensive
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.00% |
$6,405 |
$5,680 |
$-8,079 |
$1,008 |
17.75% |
| Missouri Total |
100.00% |
$418,524,602 |
$410,002,827 |
$240,420,486 |
$239,231,356 |
58.35% |
Private Passenger Auto Liability Bodily Injury
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.00% |
$6,279 |
$5,291 |
$0 |
$0 |
0.00% |
| Missouri Total |
100.00% |
$677,369,950 |
$669,920,852 |
$373,637,845 |
$393,905,842 |
58.80% |
Private Passenger Auto Liability Property Damage
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.00% |
$2,692 |
$2,273 |
$0 |
$0 |
0.00% |
| Missouri Total |
100.00% |
$507,741,126 |
$484,361,369 |
$371,358,545 |
$371,471,878 |
76.69% |
Private Passenger Auto Medical Payments
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.00% |
$1,029 |
$895 |
$375 |
$65 |
7.26% |
| Missouri Total |
100.00% |
$91,459,309 |
$87,805,235 |
$62,981,548 |
$66,851,821 |
76.14% |
Private Passenger Uninsured Motorists
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.01% |
$5,797 |
$4,890 |
$0 |
$19,313 |
394.95% |
| Missouri Total |
100.00% |
$87,674,170 |
$87,363,958 |
$47,448,104 |
$45,474,243 |
52.05% |
Products Liability
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.21% |
$78,156 |
$42,140 |
$0 |
$-7,647 |
-18.15% |
| Missouri Total |
100.00% |
$36,491,980 |
$35,577,671 |
$41,383,083 |
$90,106,274 |
253.27% |
Surety
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.00% |
$0 |
$0 |
$0 |
$-18 |
|
| Missouri Total |
100.00% |
$55,933,530 |
$54,757,917 |
$9,187,530 |
$10,751,797 |
19.64% |
Total Accident & Health
|
Market Share |
Number of Insureds |
Direct Premium Written |
Direct Premium Earned |
Dividends Paid |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.00% |
265 |
$93,999 |
$93,999 |
$0 |
$1,372 |
$37,395 |
39.78% |
| Missouri Total |
100.00% |
11,124,230 |
$3,437,512,087 |
$3,402,649,266 |
$1,704,541 |
$2,420,886,841 |
$2,480,088,525 |
72.89% |
Total Commercial Automobile
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
4.09% |
$20,881,082 |
$19,927,812 |
$8,336,079 |
$14,645,087 |
73.49% |
| Missouri Total |
100.00% |
$510,151,872 |
$482,032,524 |
$266,375,844 |
$331,944,682 |
68.86% |
Total Fire & Allied Lines
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.20% |
$398,332 |
$330,332 |
$115,012 |
$206,094 |
62.39% |
| Missouri Total |
100.00% |
$203,291,608 |
$187,245,038 |
$86,075,331 |
$90,307,601 |
48.23% |
Total Group Accident & Health
|
Market Share |
Number of Insureds |
Direct Premium Written |
Direct Premium Earned |
Dividends Paid |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.00% |
265 |
$93,999 |
$93,999 |
$0 |
$1,372 |
$37,395 |
39.78% |
| Missouri Total |
100.00% |
9,384,360 |
$2,485,290,187 |
$2,498,336,485 |
$680,104 |
$1,889,711,298 |
$1,926,618,671 |
77.12% |
Total Private Passenger Automobile
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.00% |
$32,902 |
$28,065 |
$39,463 |
$69,755 |
248.55% |
| Missouri Total |
100.00% |
$2,604,965,350 |
$2,551,929,309 |
$1,591,610,151 |
$1,623,009,915 |
63.60% |
Total Property & Casualty
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.33% |
$23,145,693 |
$21,940,779 |
$10,678,674 |
$17,628,228 |
80.34% |
| Missouri Total |
100.00% |
$7,014,504,234 |
$6,670,388,496 |
$4,017,307,637 |
$4,433,868,594 |
66.47% |