OAK RIVER INSURANCE COMPANY

2004 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 0.01% $444.00 $663.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $3,075,875 $3,041,453 $1,243,717 $856,560 28.16%



OAK RIVER INSURANCE COMPANY

2004 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 1.09% $1,121,940.00 $1,058,100.00 $435,785.00 $456,049.00 43.10%
Missouri Total 100.00% $102,908,301 $100,472,114 $46,435,406 $45,818,749 45.60%



OAK RIVER INSURANCE COMPANY

2004 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 0.49% $300,039.00 $287,495.00 $78,424.00 $42,961.00 14.94%
Missouri Total 100.00% $61,203,306 $60,296,445 $32,970,544 $31,213,703 51.77%



OAK RIVER INSURANCE COMPANY

2004 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 1.80% $4,796,423.00 $4,653,207.00 $1,210,368.00 $2,404,677.00 51.68%
Missouri Total 100.00% $266,104,571 $257,394,838 $167,500,159 $156,039,811 60.62%



OAK RIVER INSURANCE COMPANY

2004 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 0.06% $52,917.00 $46,937.00 $14,330.00 $19,786.00 42.15%
Missouri Total 100.00% $90,257,005 $91,663,772 $42,132,717 $46,623,735 50.86%



OAK RIVER INSURANCE COMPANY

2004 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 0.45% $610,984.00 $618,407.00 $14,783.00 $85,286.00 13.79%
Missouri Total 100.00% $135,095,191 $140,253,823 $59,288,986 $58,928,282 42.02%



OAK RIVER INSURANCE COMPANY

2004 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 0.17% $1,000,357.00 $1,129,868.00 $581,924.00 $1,973,694.00 174.68%
Missouri Total 100.00% $604,339,988 $594,249,075 $246,348,996 $288,959,671 48.63%



OAK RIVER INSURANCE COMPANY

2004 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 0.05% $467,345.00 $248,549.00 $11,050.00 $162,826.00 65.51%
Missouri Total 100.00% $963,548,981 $951,290,491 $478,733,108 $593,495,368 62.39%



OAK RIVER INSURANCE COMPANY

2004 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% $302.00 $801.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $71,142,042 $68,942,586 $2,034 $663,937 0.96%



OAK RIVER INSURANCE COMPANY

2004 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% $2,035.00 $2,424.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $22,168,831 $22,600,150 $8,928,202 $9,230,395 40.84%



OAK RIVER INSURANCE COMPANY

2004 Supplemental Data for

Property & Casualty

Glass

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 3.17% $256.00 $257.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $8,065 $8,554 $1,457 $860 10.05%



OAK RIVER INSURANCE COMPANY

2004 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% $67,105.00 $60,877.00 $4,238.00 $3,832.00 6.29%
Missouri Total 100.00% $187,073,322 $187,813,880 $81,270,526 $85,100,266 45.31%



OAK RIVER INSURANCE COMPANY

2004 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 0.13% $524,222.00 $514,541.00 $10,567.00 $695,148.00 135.10%
Missouri Total 100.00% $409,263,293 $444,911,829 $227,717,624 $368,806,231 82.89%



OAK RIVER INSURANCE COMPANY

2004 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 0.95% $457,618.00 $421,001.00 $0.00 $82,788.00 19.66%
Missouri Total 100.00% $48,418,835 $47,202,540 $38,723,657 $43,669,821 92.52%



OAK RIVER INSURANCE COMPANY

2004 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 1.15% $6,271,319.00 $6,045,739.00 $1,738,907.00 $2,923,473.00 48.36%
Missouri Total 100.00% $545,427,936 $534,465,268 $301,346,726 $287,210,034 53.74%



OAK RIVER INSURANCE COMPANY

2004 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% $610,984.00 $618,407.00 $14,783.00 $85,286.00 13.79%
Missouri Total 100.00% $228,110,674 $229,282,107 $100,938,474 $99,328,482 43.32%



OAK RIVER INSURANCE COMPANY

2004 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 0.12% $9,401,987.00 $9,043,127.00 $2,361,469.00 $5,927,047.00 65.54%
Missouri Total 100.00% $7,912,453,158 $7,829,991,916 $4,189,177,430 $4,504,110,599 57.52%



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