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 |
0.15% |
$6,903 |
$9,119 |
$0 |
$3,895 |
42.71% |
| Missouri Total |
100.00% |
$4,486,169 |
$4,096,450 |
$-508,812 |
$92,897 |
2.27% |
Commercial Auto Collision
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
3.90% |
$3,603,885 |
$3,403,911 |
$3,299,176 |
$2,885,848 |
84.78% |
| Missouri Total |
100.00% |
$92,474,523 |
$93,458,371 |
$54,124,240 |
$54,255,152 |
58.05% |
Commercial Auto Comprehensive
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
3.97% |
$2,562,609 |
$2,420,414 |
$2,345,940 |
$2,052,036 |
84.78% |
| Missouri Total |
100.00% |
$64,583,189 |
$64,500,523 |
$61,101,767 |
$60,705,338 |
94.12% |
Commercial Auto Liability Bodily Injury
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
4.38% |
$11,276,006 |
$11,224,525 |
$1,843,854 |
$2,238,663 |
19.94% |
| Missouri Total |
100.00% |
$257,416,800 |
$259,851,118 |
$134,421,032 |
$156,308,862 |
60.15% |
Commercial Auto Liability Property Damage
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
5.68% |
$4,705,564 |
$4,684,080 |
$769,454 |
$934,211 |
19.94% |
| Missouri Total |
100.00% |
$82,830,527 |
$82,671,242 |
$40,838,688 |
$40,730,063 |
49.27% |
Commercial Auto Medical Payments
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
90.99% |
$80,791,966 |
$80,423,102 |
$13,211,112 |
$16,039,898 |
19.94% |
| Missouri Total |
100.00% |
$88,791,644 |
$88,343,882 |
$14,942,188 |
$18,041,768 |
20.42% |
Commercial Auto Uninsured Motorists
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
1.05% |
$200,138 |
$199,225 |
$32,727 |
$39,734 |
19.94% |
| Missouri Total |
100.00% |
$19,057,212 |
$18,795,548 |
$10,188,570 |
$12,963,327 |
68.97% |
Commercial Fire & Allied Lines
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.18% |
$204,588 |
$249,033 |
$53,016 |
$111,909 |
44.94% |
| Missouri Total |
100.00% |
$111,471,643 |
$109,462,300 |
$59,637,104 |
$96,110,695 |
87.80% |
Commercial Multi-Peril
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.42% |
$2,652,712 |
$2,873,665 |
$808,569 |
$473,082 |
16.46% |
| Missouri Total |
100.00% |
$631,114,959 |
$626,549,471 |
$439,987,620 |
$530,264,046 |
84.63% |
Direct Workers Compensation
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.00% |
$0 |
$2,676 |
$0 |
$-184 |
-6.88% |
| Missouri Total |
100.00% |
$1,002,570,001 |
$992,049,972 |
$424,018,402 |
$542,248,649 |
54.66% |
Farm Fire & Allied Lines
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.00% |
$0 |
$0 |
$0 |
$-162 |
|
| Missouri Total |
100.00% |
$57,946,841 |
$58,205,014 |
$11,051,963 |
$8,322,342 |
14.30% |
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 |
0.21% |
221 |
$272,007 |
$272,007 |
$0 |
$149,616 |
$237,718 |
87.39% |
| Missouri Total |
100.00% |
74,710 |
$128,982,788 |
$129,705,060 |
$46,779 |
$83,277,556 |
$83,056,149 |
64.03% |
Homeowners Multi-Peril
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.02% |
$246,347 |
$252,375 |
$0 |
$37,734 |
14.95% |
| Missouri Total |
100.00% |
$1,012,279,567 |
$992,537,797 |
$1,261,030,502 |
$1,342,733,936 |
135.28% |
Inland Marine (Incl Auto Cargo)
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
2.27% |
$5,268,153 |
$5,248,934 |
$243,487 |
$725,073 |
13.81% |
| Missouri Total |
100.00% |
$232,233,886 |
$221,364,045 |
$106,188,581 |
$132,014,826 |
59.64% |
Other Liability - Bodily Injury & Property Damage
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.12% |
$710,778 |
$788,140 |
$179,884 |
$648,840 |
82.33% |
| Missouri Total |
100.00% |
$609,320,778 |
$606,834,036 |
$371,638,001 |
$406,762,156 |
67.03% |
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 |
$16 |
$0 |
$-202 |
-1,262.50% |
| Missouri Total |
100.00% |
$451,683,412 |
$452,007,717 |
$463,743,030 |
$463,897,951 |
102.63% |
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 |
$20,000 |
$-20,468 |
|
| Missouri Total |
100.00% |
$715,234,862 |
$712,797,698 |
$424,942,335 |
$419,579,046 |
58.86% |
Products Liability
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.25% |
$112,701 |
$114,676 |
$0 |
$76,638 |
66.83% |
| Missouri Total |
100.00% |
$44,403,319 |
$42,164,248 |
$20,352,833 |
$16,253,820 |
38.55% |
Surety
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.00% |
$50 |
$50 |
$0 |
$-2 |
-4.00% |
| Missouri Total |
100.00% |
$76,489,177 |
$71,809,168 |
$3,911,842 |
$20,744,172 |
28.89% |
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% |
221 |
$272,007 |
$272,007 |
$0 |
$149,616 |
$237,718 |
87.39% |
| Missouri Total |
100.00% |
25,120,145 |
$5,683,250,070 |
$5,707,913,156 |
$1,836,464 |
$4,303,077,735 |
$4,449,351,407 |
77.95% |
Total Commercial Automobile
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
17.04% |
$103,140,168 |
$102,355,257 |
$21,502,263 |
$24,190,390 |
23.63% |
| Missouri Total |
100.00% |
$605,153,895 |
$607,620,684 |
$315,616,485 |
$343,004,510 |
56.45% |
Total Fire & Allied Lines
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.07% |
$204,588 |
$249,033 |
$53,016 |
$111,747 |
44.87% |
| Missouri Total |
100.00% |
$295,134,822 |
$291,522,479 |
$146,503,161 |
$187,777,953 |
64.41% |
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% |
221 |
$272,007 |
$272,007 |
$0 |
$149,616 |
$237,718 |
87.39% |
| Missouri Total |
100.00% |
23,039,788 |
$4,163,211,436 |
$4,199,721,128 |
$127,598 |
$3,300,392,701 |
$3,367,830,249 |
80.19% |
Total Homeowners
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.02% |
$246,347 |
$252,375 |
$0 |
$37,734 |
14.95% |
| Missouri Total |
100.00% |
$1,094,712,981 |
$1,075,174,196 |
$1,351,507,667 |
$1,445,548,788 |
134.45% |
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 |
$20,000 |
$-20,670 |
-129,187.50% |
| Missouri Total |
100.00% |
$2,766,162,801 |
$2,757,999,491 |
$1,847,465,192 |
$1,843,214,920 |
66.83% |
Total Property & Casualty
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
1.34% |
$112,342,400 |
$111,893,941 |
$22,807,219 |
$26,246,543 |
23.46% |
| Missouri Total |
100.00% |
$8,413,347,296 |
$8,321,806,293 |
$5,503,150,397 |
$6,015,338,706 |
72.28% |