OAK RIVER INSURANCE COMPANY

2005 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% $260.00 $238.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $3,086,430 $2,879,888 $1,213,949 $1,259,157 43.72%



OAK RIVER INSURANCE COMPANY

2005 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 0.98% $928,005.00 $961,118.00 $398,313.00 $341,490.00 35.53%
Missouri Total 100.00% $94,966,273 $95,533,021 $47,545,217 $48,272,677 50.53%



OAK RIVER INSURANCE COMPANY

2005 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% $276,891.00 $277,605.00 $63,601.00 $121,778.00 43.87%
Missouri Total 100.00% $63,177,401 $64,005,865 $24,175,823 $25,747,008 40.23%



OAK RIVER INSURANCE COMPANY

2005 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 1.40% $3,748,218.00 $4,026,124.00 $2,350,378.00 $3,564,209.00 88.53%
Missouri Total 100.00% $268,161,058 $271,980,407 $147,975,880 $159,836,768 58.77%



OAK RIVER INSURANCE COMPANY

2005 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 0.05% $42,211.00 $48,456.00 $9,336.00 $49,965.00 103.11%
Missouri Total 100.00% $82,321,432 $79,876,541 $39,335,646 $42,737,585 53.50%



OAK RIVER INSURANCE COMPANY

2005 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 0.47% $643,202.00 $619,703.00 $408,894.00 $561,892.00 90.67%
Missouri Total 100.00% $135,755,240 $131,372,826 $41,125,322 $23,826,255 18.14%



OAK RIVER INSURANCE COMPANY

2005 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 0.11% $659,862.00 $741,452.00 $2,052,097.00 $934,004.00 125.97%
Missouri Total 100.00% $622,649,146 $614,760,000 $249,031,666 $248,131,677 40.36%



OAK RIVER INSURANCE COMPANY

2005 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 0.07% $709,409.00 $600,299.00 $98,927.00 $329,373.00 54.87%
Missouri Total 100.00% $1,008,002,549 $968,998,320 $461,730,864 $594,472,086 61.35%



OAK RIVER INSURANCE COMPANY

2005 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% $3,424.00 $1,109.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $72,917,424 $71,294,758 $251,686 $-954,977 -1.34%



OAK RIVER INSURANCE COMPANY

2005 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% $1,276.00 $1,614.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $23,042,366 $22,631,716 $5,944,543 $13,472,018 59.53%



OAK RIVER INSURANCE COMPANY

2005 Supplemental Data for

Property & Casualty

Glass

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 2.71% $201.00 $202.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $7,405 $7,715 $2,238 $2,191 28.40%



OAK RIVER INSURANCE COMPANY

2005 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% $76,588.00 $70,810.00 $0.00 $1,558.00 2.20%
Missouri Total 100.00% $201,917,577 $199,964,322 $75,938,842 $90,734,243 45.38%



OAK RIVER INSURANCE COMPANY

2005 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 0.10% $587,491.00 $525,842.00 $1,063,361.00 $501,926.00 95.45%
Missouri Total 100.00% $568,337,066 $603,483,554 $334,235,058 $378,856,753 62.78%



OAK RIVER INSURANCE COMPANY

2005 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 0.86% $394,121.00 $373,544.00 $0.00 $47,659.00 12.76%
Missouri Total 100.00% $45,726,733 $48,846,364 $23,180,412 $4,761,872 9.75%



OAK RIVER INSURANCE COMPANY

2005 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 0.85% $4,995,325.00 $5,313,303.00 $2,821,628.00 $4,077,442.00 76.74%
Missouri Total 100.00% $588,121,986 $589,707,629 $281,411,163 $302,319,859 51.27%



OAK RIVER INSURANCE COMPANY

2005 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 0.24% $643,202.00 $619,703.00 $408,894.00 $561,892.00 90.67%
Missouri Total 100.00% $271,373,726 $265,149,404 $100,666,288 $86,534,872 32.64%



OAK RIVER INSURANCE COMPANY

2005 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% $8,071,159.00 $8,248,116.00 $6,444,907.00 $6,453,854.00 78.25%
Missouri Total 100.00% $8,218,883,685 $8,161,366,248 $4,027,395,001 $4,348,337,255 53.28%



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