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 |
0.17% |
$5,379 |
$5,528 |
$0 |
$-4,252 |
-76.92% |
| Missouri Total |
100.00% |
$3,182,069 |
$3,381,487 |
$321,486 |
$359,240 |
10.62% |
Commercial Auto Collision
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
4.32% |
$3,740,530 |
$3,778,351 |
$2,057,266 |
$3,215,747 |
85.11% |
| Missouri Total |
100.00% |
$86,538,763 |
$87,149,357 |
$46,101,509 |
$46,531,157 |
53.39% |
Commercial Auto Comprehensive
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
3.86% |
$2,254,650 |
$2,277,448 |
$1,240,043 |
$1,938,331 |
85.11% |
| Missouri Total |
100.00% |
$58,387,652 |
$59,263,543 |
$25,355,809 |
$25,958,109 |
43.80% |
Commercial Auto Liability Bodily Injury
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
4.47% |
$11,343,048 |
$11,636,568 |
$12,953,517 |
$24,296,723 |
208.80% |
| Missouri Total |
100.00% |
$253,574,124 |
$255,111,322 |
$189,701,291 |
$173,304,828 |
67.93% |
Commercial Auto Liability Property Damage
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
6.88% |
$4,723,411 |
$4,845,637 |
$5,394,034 |
$10,117,510 |
208.80% |
| Missouri Total |
100.00% |
$68,679,461 |
$68,661,375 |
$43,890,092 |
$47,403,373 |
69.04% |
Commercial Auto Medical Payments
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
22.44% |
$2,025,434 |
$2,077,845 |
$2,313,001 |
$4,338,463 |
208.80% |
| Missouri Total |
100.00% |
$9,026,398 |
$9,220,495 |
$3,684,831 |
$1,521,962 |
16.51% |
Commercial Auto Uninsured Motorists
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
1.01% |
$198,597 |
$203,736 |
$226,793 |
$425,393 |
208.80% |
| Missouri Total |
100.00% |
$19,717,352 |
$19,785,131 |
$8,247,423 |
$7,838,669 |
39.62% |
Commercial Fire & Allied Lines
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.17% |
$247,123 |
$239,392 |
$67,577 |
$464,220 |
193.92% |
| Missouri Total |
100.00% |
$144,026,467 |
$144,446,977 |
$52,390,607 |
$30,932,182 |
21.41% |
Commercial Multi-Peril
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.54% |
$3,362,758 |
$3,378,655 |
$640,679 |
$264,437 |
7.83% |
| Missouri Total |
100.00% |
$624,940,170 |
$624,330,193 |
$333,873,467 |
$302,067,806 |
48.38% |
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 |
0.00% |
0 |
$0 |
$0 |
$0 |
$0 |
$-119,245 |
|
| Missouri Total |
100.00% |
103,437 |
$135,911,686 |
$138,782,958 |
$46,597 |
$85,819,359 |
$84,663,539 |
61.00% |
Homeowners Multi-Peril
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.02% |
$257,897 |
$255,397 |
$0 |
$-24,775 |
-9.70% |
| Missouri Total |
100.00% |
$1,104,392,640 |
$1,074,000,796 |
$709,074,079 |
$627,110,618 |
58.39% |
Inland Marine (Incl Auto Cargo)
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.24% |
$568,897 |
$582,936 |
$252,928 |
$229,508 |
39.37% |
| Missouri Total |
100.00% |
$239,442,069 |
$236,471,744 |
$112,810,278 |
$95,566,111 |
40.41% |
Other Liability - Bodily Injury & Property Damage
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.08% |
$463,536 |
$591,661 |
$195,699 |
$-773,968 |
-130.81% |
| Missouri Total |
100.00% |
$575,434,677 |
$590,437,730 |
$260,993,910 |
$258,810,100 |
43.83% |
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 |
$17 |
$0 |
$-5 |
-29.41% |
| Missouri Total |
100.00% |
$451,416,503 |
$448,696,918 |
$224,867,856 |
$225,784,139 |
50.32% |
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 |
$-4 |
|
| Missouri Total |
100.00% |
$708,860,964 |
$710,973,342 |
$437,992,152 |
$443,359,132 |
62.36% |
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% |
$0 |
$0 |
$0 |
$-6,407 |
|
| Missouri Total |
100.00% |
$571,426,128 |
$570,905,786 |
$376,209,278 |
$373,624,472 |
65.44% |
Products Liability
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.37% |
$139,648 |
$127,311 |
$0 |
$-62,866 |
-49.38% |
| Missouri Total |
100.00% |
$37,364,634 |
$39,698,625 |
$24,495,724 |
$1,772,988 |
4.47% |
Surety
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.00% |
$0 |
$19 |
$0 |
$-7 |
-36.84% |
| Missouri Total |
100.00% |
$86,709,776 |
$77,899,558 |
$13,644,816 |
$14,760,297 |
18.95% |
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% |
0 |
$0 |
$0 |
$0 |
$0 |
$-119,245 |
|
| Missouri Total |
100.00% |
14,781,584 |
$6,321,663,058 |
$6,300,472,351 |
$2,820,494 |
$4,786,573,315 |
$4,914,517,495 |
78.00% |
Total Commercial Automobile
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
4.90% |
$24,285,670 |
$24,819,585 |
$24,184,654 |
$44,332,167 |
178.62% |
| Missouri Total |
100.00% |
$495,923,750 |
$499,191,223 |
$316,980,955 |
$302,558,098 |
60.61% |
Total Fire & Allied Lines
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.08% |
$247,123 |
$239,392 |
$67,577 |
$464,220 |
193.92% |
| Missouri Total |
100.00% |
$299,223,030 |
$296,828,557 |
$113,754,015 |
$91,289,737 |
30.76% |
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% |
0 |
$0 |
$0 |
$0 |
$0 |
$-119,245 |
|
| Missouri Total |
100.00% |
12,774,038 |
$4,634,501,331 |
$4,620,799,459 |
$149,561 |
$3,599,832,396 |
$3,659,809,895 |
79.20% |
Total Homeowners
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.02% |
$257,897 |
$255,397 |
$0 |
$-24,775 |
-9.70% |
| Missouri Total |
100.00% |
$1,165,295,534 |
$1,134,201,601 |
$749,764,107 |
$660,625,401 |
58.25% |
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 |
$17 |
$0 |
$-6,416 |
-37,741.18% |
| Missouri Total |
100.00% |
$2,756,783,633 |
$2,756,117,839 |
$1,680,492,993 |
$1,705,663,119 |
61.89% |
Total Property & Casualty
|
Market Share |
Direct Premium Written |
Direct Premium Earned |
Direct Losses Paid |
Direct Losses Incurred |
Loss Ratio |
| Company Total |
0.35% |
$29,330,908 |
$30,000,501 |
$25,341,537 |
$44,418,048 |
148.06% |
| Missouri Total |
100.00% |
$8,389,562,041 |
$8,290,577,887 |
$4,565,097,639 |
$4,421,956,843 |
53.34% |