OAK RIVER INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Burglary & Theft

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.03% $794.00 $585.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $3,016,412 $2,923,637 $402,912 $433,724 14.84%



OAK RIVER INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Commercial Auto Collision

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.93% $930,683.00 $856,252.00 $245,260.00 $279,884.00 32.69%
Missouri Total 100.00% $99,999,479 $100,773,243 $48,855,092 $44,874,488 44.53%



OAK RIVER INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Commercial Auto Comprehensive

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.44% $257,447.00 $250,355.00 $73,633.00 $124,906.00 49.89%
Missouri Total 100.00% $58,013,348 $57,788,854 $33,980,947 $32,861,398 56.86%



OAK RIVER INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Commercial Auto Liability Bodily Injury

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 1.56% $3,890,826.00 $3,329,899.00 $1,476,698.00 $1,915,818.00 57.53%
Missouri Total 100.00% $249,443,701 $242,948,043 $153,259,759 $190,400,064 78.37%



OAK RIVER INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Commercial Auto Liability Property Damage

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.04% $36,900.00 $31,332.00 $21,481.00 $21,399.00 68.30%
Missouri Total 100.00% $92,324,565 $89,158,290 $43,901,369 $42,341,715 47.49%



OAK RIVER INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Commercial Fire & Allied Lines

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.52% $602,181.00 $520,698.00 $186,846.00 $187,627.00 36.03%
Missouri Total 100.00% $116,509,491 $114,986,802 $72,238,481 $54,113,894 47.06%



OAK RIVER INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Commercial Multi-Peril

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.21% $1,210,397.00 $1,110,205.00 $460,405.00 $742,772.00 66.90%
Missouri Total 100.00% $573,919,772 $548,985,654 $277,364,391 $312,408,760 56.91%



OAK RIVER INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Direct Workers Compensation

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.00% $14,347.00 $3,381.00 $10,220.00 $1,068.00 31.59%
Missouri Total 100.00% $903,170,880 $859,891,451 $453,558,549 $587,932,686 68.37%



OAK RIVER INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Earthquake

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.00% $1,209.00 $929.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $63,858,848 $58,427,399 $36,237 $361,209 0.62%



OAK RIVER INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Fidelity

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.01% $2,395.00 $1,836.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $22,487,041 $21,627,865 $6,726,389 $7,369,217 34.07%



OAK RIVER INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Glass

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 1.98% $202.00 $181.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $10,178 $10,457 $5,508 $5,097 48.74%



OAK RIVER INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Inland Marine (Incl Auto Cargo)

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.04% $76,479.00 $69,477.00 $0.00 $1,016.00 1.46%
Missouri Total 100.00% $182,338,531 $187,165,278 $71,297,214 $69,123,743 36.93%



OAK RIVER INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Other Liability - Bodily Injury & Property Damage

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.09% $495,062.00 $495,621.00 $18,522.00 $19,117.00 3.86%
Missouri Total 100.00% $553,139,194 $536,242,304 $187,094,404 $344,005,398 64.15%



OAK RIVER INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Products Liability

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.39% $166,864.00 $126,806.00 $0.00 $-33,420.00 -26.36%
Missouri Total 100.00% $42,611,734 $41,040,430 $40,107,443 $50,268,252 122.48%



OAK RIVER INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Total Commercial Automobile

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.97% $5,115,856.00 $4,467,838.00 $1,817,072.00 $2,342,007.00 52.42%
Missouri Total 100.00% $525,235,729 $516,072,744 $287,943,393 $323,588,706 62.70%



OAK RIVER INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Total Fire & Allied Lines

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.27% $602,181.00 $520,698.00 $186,846.00 $187,627.00 36.03%
Missouri Total 100.00% $224,541,860 $219,821,214 $138,606,011 $117,163,205 53.30%



OAK RIVER INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Total Property & Casualty

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.10% $7,685,786.00 $6,797,557.00 $2,493,065.00 $3,260,187.00 47.96%
Missouri Total 100.00% $7,709,068,371 $7,428,541,557 $4,322,007,505 $4,840,084,182 65.16%



Additional data is available for this company for the following year(s):