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 |
0.27% |
$8,235 |
$18,724 |
$5,000 |
$8,203 |
43.81% |
| Missouri Total |
100.00% |
$3,075,875 |
$3,041,453 |
$1,243,717 |
$856,560 |
28.16% |
Commercial Auto Collision
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
3.32% |
$3,420,505 |
$2,677,479 |
$1,467,743 |
$1,408,281 |
52.60% |
| Missouri Total |
100.00% |
$102,908,301 |
$100,472,114 |
$46,435,406 |
$45,818,749 |
45.60% |
Commercial Auto Comprehensive
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
4.10% |
$2,509,493 |
$2,288,260 |
$532,694 |
$480,638 |
21.00% |
| Missouri Total |
100.00% |
$61,203,306 |
$60,296,445 |
$32,970,544 |
$31,213,703 |
51.77% |
Commercial Auto Liability Bodily Injury
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
4.07% |
$10,837,340 |
$9,690,461 |
$11,554,459 |
$10,164,905 |
104.90% |
| Missouri Total |
100.00% |
$266,104,571 |
$257,394,838 |
$167,500,159 |
$156,039,811 |
60.62% |
Commercial Auto Liability Property Damage
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
4.62% |
$4,173,773 |
$4,129,029 |
$717,430 |
$473,066 |
11.46% |
| Missouri Total |
100.00% |
$90,257,005 |
$91,663,772 |
$42,132,717 |
$46,623,735 |
50.86% |
Commercial Auto Medical Payments
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.79% |
$61,525 |
$63,954 |
$3,210 |
$3,106 |
4.86% |
| Missouri Total |
100.00% |
$7,769,372 |
$7,592,187 |
$4,641,831 |
$2,048,509 |
26.98% |
Commercial Auto Uninsured Motorists
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
1.00% |
$171,057 |
$168,876 |
$5,616 |
$234,300 |
138.74% |
| Missouri Total |
100.00% |
$17,185,381 |
$17,045,912 |
$7,666,069 |
$5,465,527 |
32.06% |
Commercial Fire & Allied Lines
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.23% |
$316,524 |
$358,458 |
$113,971 |
$107,526 |
30.00% |
| Missouri Total |
100.00% |
$135,095,191 |
$140,253,823 |
$59,288,986 |
$58,928,282 |
42.02% |
Commercial Multi-Peril
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.06% |
$371,937 |
$798,965 |
$2,089,094 |
$2,104,676 |
263.43% |
| Missouri Total |
100.00% |
$604,339,988 |
$594,249,075 |
$246,348,996 |
$288,959,671 |
48.63% |
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 |
0.33% |
148 |
$379,987 |
$379,987 |
$0 |
$336,570 |
$312,892 |
82.34% |
| Missouri Total |
100.00% |
77,628 |
$114,366,125 |
$113,733,916 |
$22,495 |
$70,155,731 |
$70,614,791 |
62.09% |
Growing Crops
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.01% |
$3,080 |
$3,080 |
$14,267 |
$14,267 |
463.21% |
| Missouri Total |
100.00% |
$42,979,484 |
$42,979,473 |
$11,921,614 |
$11,924,094 |
27.74% |
Homeowners Multi-Peril
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.02% |
$160,099 |
$52,665 |
$0 |
$20,402 |
38.74% |
| Missouri Total |
100.00% |
$957,852,647 |
$915,218,541 |
$542,464,859 |
$553,032,164 |
60.43% |
Inland Marine (Incl Auto Cargo)
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.19% |
$346,642 |
$297,640 |
$75,279 |
$52,715 |
17.71% |
| Missouri Total |
100.00% |
$187,073,322 |
$187,813,880 |
$81,270,526 |
$85,100,266 |
45.31% |
Other Liability - Bodily Injury & Property Damage
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.24% |
$976,241 |
$957,474 |
$179,732 |
$-184,610 |
-19.28% |
| Missouri Total |
100.00% |
$409,263,293 |
$444,911,829 |
$227,717,624 |
$368,806,231 |
82.89% |
Private Passenger Auto Collision
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.00% |
$0 |
$12 |
$-4,761 |
$-7,369 |
-61,408.33% |
| Missouri Total |
100.00% |
$820,637,371 |
$824,990,169 |
$451,512,091 |
$448,885,997 |
54.41% |
Private Passenger Auto Comprehensive
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.00% |
$0 |
$4 |
$0 |
$0 |
0.00% |
| Missouri Total |
100.00% |
$459,520,370 |
$458,810,495 |
$324,057,579 |
$320,620,799 |
69.88% |
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% |
$0 |
$0 |
$0 |
$-762 |
|
| Missouri Total |
100.00% |
$700,801,940 |
$700,339,537 |
$408,256,743 |
$436,363,936 |
62.31% |
Products Liability
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.28% |
$136,517 |
$143,235 |
$0 |
$19,971 |
13.94% |
| Missouri Total |
100.00% |
$48,418,835 |
$47,202,540 |
$38,723,657 |
$43,669,821 |
92.52% |
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 |
0.01% |
148 |
$379,987 |
$379,987 |
$0 |
$336,570 |
$312,892 |
82.34% |
| Missouri Total |
100.00% |
15,325,488 |
$4,295,618,608 |
$4,290,144,267 |
$1,485,559 |
$3,002,308,121 |
$3,208,218,965 |
74.78% |
Total Commercial Automobile
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
3.88% |
$21,173,693 |
$19,018,059 |
$14,281,152 |
$12,764,296 |
67.12% |
| Missouri Total |
100.00% |
$545,427,936 |
$534,465,268 |
$301,346,726 |
$287,210,034 |
53.74% |
Total Fire & Allied Lines
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.14% |
$316,524 |
$358,458 |
$113,971 |
$107,526 |
30.00% |
| Missouri Total |
100.00% |
$228,110,674 |
$229,282,107 |
$100,938,474 |
$99,328,482 |
43.32% |
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 |
0.01% |
148 |
$379,987 |
$379,987 |
$0 |
$336,570 |
$312,892 |
82.34% |
| Missouri Total |
100.00% |
13,467,585 |
$3,292,621,915 |
$3,288,067,459 |
$208,057 |
$2,379,030,650 |
$2,553,729,227 |
77.67% |
Total Homeowners
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.02% |
$160,099 |
$52,665 |
$0 |
$20,402 |
38.74% |
| Missouri Total |
100.00% |
$1,032,753,386 |
$985,036,736 |
$579,404,501 |
$591,492,521 |
60.05% |
Total Private Passenger Automobile
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.00% |
$0 |
$16 |
$-4,761 |
$-8,131 |
-50,818.75% |
| Missouri Total |
100.00% |
$2,808,444,459 |
$2,808,256,870 |
$1,697,738,108 |
$1,729,295,285 |
61.58% |
Total Property & Casualty
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.30% |
$23,492,968 |
$21,648,316 |
$16,753,734 |
$14,899,315 |
68.82% |
| Missouri Total |
100.00% |
$7,912,453,158 |
$7,829,991,916 |
$4,189,177,430 |
$4,504,110,599 |
57.52% |