STANDARD FIRE 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 0.00% $0.00 $0.00 $0.00 $-2.00 0.00%
Missouri Total 100.00% $3,016,412 $2,923,637 $402,912 $433,724 14.84%



STANDARD FIRE 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 0.00% $0.00 $0.00 $0.00 $162.00 0.00%
Missouri Total 100.00% $99,999,479 $100,773,243 $48,855,092 $44,874,488 44.53%



STANDARD FIRE 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 0.00% $0.00 $0.00 $0.00 $416.00 0.00%
Missouri Total 100.00% $58,013,348 $57,788,854 $33,980,947 $32,861,398 56.86%



STANDARD FIRE 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 0.00% $0.00 $0.00 $0.00 $3,227.00 0.00%
Missouri Total 100.00% $249,443,701 $242,948,043 $153,259,759 $190,400,064 78.37%



STANDARD FIRE 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 0.00% $0.00 $0.00 $0.00 $1,796.00 0.00%
Missouri Total 100.00% $92,324,565 $89,158,290 $43,901,369 $42,341,715 47.49%



STANDARD FIRE 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 0.00% $0.00 $0.00 $0.00 $-7.00 0.00%
Missouri Total 100.00% $116,509,491 $114,986,802 $72,238,481 $54,113,894 47.06%



STANDARD FIRE 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 0.00% $0.00 $0.00 $-63.00 $-50,381.00 0.00%
Missouri Total 100.00% $573,919,772 $548,985,654 $277,364,391 $312,408,760 56.91%



STANDARD FIRE 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 0.04% $343,592.00 $91,574.00 $280,707.00 $-422,701.00 -461.59%
Missouri Total 100.00% $903,170,880 $859,891,451 $453,558,549 $587,932,686 68.37%



STANDARD FIRE INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Dwelling Fire & Allied Lines

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.12% $120,189.00 $109,825.00 $11,722.00 $15,461.00 14.08%
Missouri Total 100.00% $104,150,215 $100,912,333 $63,528,592 $60,262,081 59.72%



STANDARD FIRE 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 1.23% $785,858.00 $692,888.00 $0.00 $20,414.00 2.95%
Missouri Total 100.00% $63,858,848 $58,427,399 $36,237 $361,209 0.62%



STANDARD FIRE INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Excess Workers Compensation

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.00% $0.00 $0.00 $0.00 $-150.00 0.00%
Missouri Total 100.00% $26,295,822 $22,782,468 $4,263,816 $5,242,606 23.01%



STANDARD FIRE INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Homeowners Multi-Peril

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 1.32% $11,736,220.00 $10,051,482.00 $5,869,320.00 $7,521,236.00 74.83%
Missouri Total 100.00% $892,121,509 $823,450,838 $669,905,939 $671,531,760 81.55%



STANDARD FIRE 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 0.11% $203,983.00 $185,086.00 $68,387.00 $78,492.00 42.41%
Missouri Total 100.00% $182,338,531 $187,165,278 $71,297,214 $69,123,743 36.93%



STANDARD FIRE INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Medical Malpractice - Hospitals

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.00% $0.00 $0.00 $0.00 $471.00 0.00%
Missouri Total 100.00% $31,902,636 $27,781,676 $19,299,000 $24,359,179 87.68%



STANDARD FIRE INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

National Flood Insurance Program

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 11.99% $1,168,570.00 $1,114,288.00 $98,631.00 $98,631.00 8.85%
Missouri Total 100.00% $9,742,530 $9,268,460 $1,674,875 $1,540,055 16.62%



STANDARD FIRE INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Ocean Marine

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.46% $177,033.00 $160,734.00 $33,313.00 $41,747.00 25.97%
Missouri Total 100.00% $38,730,395 $36,434,473 $14,874,486 $6,961,457 19.11%



STANDARD FIRE 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 0.00% $17,123.00 $14,446.00 $0.00 $-54,954.00 -380.41%
Missouri Total 100.00% $553,139,194 $536,242,304 $187,094,404 $344,005,398 64.15%



STANDARD FIRE INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Private Passenger Auto Collision

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.02% $154,898.00 $166,206.00 $83,703.00 $93,171.00 56.06%
Missouri Total 100.00% $812,910,433 $803,532,054 $467,697,858 $464,446,320 57.80%



STANDARD FIRE INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Private Passenger Auto Comprehensive

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.02% $78,378.00 $85,214.00 $29,859.00 $28,315.00 33.23%
Missouri Total 100.00% $449,295,894 $443,554,384 $320,742,757 $318,901,628 71.90%



STANDARD FIRE INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Private Passenger Auto Liability Bodily Injury

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.02% $144,004.00 $156,360.00 $62,253.00 $38,337.00 24.52%
Missouri Total 100.00% $690,293,517 $681,854,756 $386,484,308 $412,602,808 60.51%



STANDARD FIRE INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Private Passenger Auto Liability Property Damage

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.02% $103,813.00 $114,298.00 $58,190.00 $49,240.00 43.08%
Missouri Total 100.00% $574,312,577 $564,962,318 $371,718,988 $376,069,587 66.57%



STANDARD FIRE INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Private Passenger Auto Medical Payments

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.01% $14,143.00 $15,308.00 $4,628.00 $3,879.00 25.34%
Missouri Total 100.00% $99,521,347 $97,706,064 $63,513,219 $59,211,502 60.60%



STANDARD FIRE INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Private Passenger Underinsured Motorists

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.02% $8,451.00 $8,861.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $40,201,927 $39,181,366 $24,634,949 $36,451,009 93.03%



STANDARD FIRE INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Private Passenger Uninsured Motorists

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.03% $24,352.00 $26,065.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $92,607,368 $90,790,873 $44,913,964 $53,422,258 58.84%



STANDARD FIRE 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 0.00% $0.00 $0.00 $0.00 $-8,968.00 0.00%
Missouri Total 100.00% $42,611,734 $41,040,430 $40,107,443 $50,268,252 122.48%



STANDARD FIRE INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Surety

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.00% $0.00 $0.00 $0.00 $-165.00 0.00%
Missouri Total 100.00% $59,048,656 $56,336,389 $10,471,547 $7,015,246 12.45%



STANDARD FIRE 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 0.00% $0.00 $0.00 $0.00 $5,601.00 0.00%
Missouri Total 100.00% $525,235,729 $516,072,744 $287,943,393 $323,588,706 62.70%



STANDARD FIRE 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 0.05% $120,189.00 $109,825.00 $11,722.00 $15,454.00 14.07%
Missouri Total 100.00% $224,541,860 $219,821,214 $138,606,011 $117,163,205 53.30%



STANDARD FIRE INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Total Homeowners

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 1.23% $11,736,220.00 $10,051,482.00 $5,869,320.00 $7,521,236.00 74.83%
Missouri Total 100.00% $950,870,941 $877,013,334 $707,552,979 $709,159,509 80.86%



STANDARD FIRE INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Total Medical Malpractice

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.00% $0.00 $0.00 $0.00 $471.00 0.00%
Missouri Total 100.00% $186,479,369 $169,970,363 $83,749,885 $164,309,442 96.67%



STANDARD FIRE INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Total Private Passenger Automobile

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.02% $528,039.00 $572,312.00 $238,633.00 $212,942.00 37.21%
Missouri Total 100.00% $2,761,812,838 $2,724,230,251 $1,680,760,050 $1,722,096,248 63.21%



STANDARD FIRE 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 0.20% $15,080,607.00 $12,992,635.00 $6,600,650.00 $7,457,667.00 57.40%
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):