EMPIRE FIRE AND MARINE INSURANCE CO

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 1.06% $32,091.00 $27,706.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $3,016,412 $2,923,637 $402,912 $433,724 14.84%



EMPIRE FIRE AND MARINE INSURANCE CO

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 2.85% $2,845,454.00 $2,771,057.00 $1,769,367.00 $1,896,135.00 68.43%
Missouri Total 100.00% $99,999,479 $100,773,243 $48,855,092 $44,874,488 44.53%



EMPIRE FIRE AND MARINE INSURANCE CO

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 3.91% $2,267,271.00 $2,138,721.00 $1,290,651.00 $1,368,235.00 63.97%
Missouri Total 100.00% $58,013,348 $57,788,854 $33,980,947 $32,861,398 56.86%



EMPIRE FIRE AND MARINE INSURANCE CO

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 4.21% $10,492,601.00 $10,388,241.00 $9,650,516.00 $17,116,521.00 164.77%
Missouri Total 100.00% $249,443,701 $242,948,043 $153,259,759 $190,400,064 78.37%



EMPIRE FIRE AND MARINE INSURANCE CO

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 4.84% $4,470,972.00 $4,424,511.00 $439,120.00 $-254,776.00 -5.76%
Missouri Total 100.00% $92,324,565 $89,158,290 $43,901,369 $42,341,715 47.49%



EMPIRE FIRE AND MARINE INSURANCE CO

2003 Supplemental Data for

Property & Casualty

Commercial Auto Medical Payments

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.57% $42,552.00 $43,623.00 $5,834.00 $-6,910.00 -15.84%
Missouri Total 100.00% $7,494,910 $7,185,991 $1,643,260 $1,766,264 24.58%



EMPIRE FIRE AND MARINE INSURANCE CO

2003 Supplemental Data for

Property & Casualty

Commercial Auto Uninsured Motorists

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.75% $135,029.00 $136,694.00 $3,116.00 $-36,859.00 -26.96%
Missouri Total 100.00% $17,959,726 $18,218,323 $6,302,966 $11,344,777 62.27%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.28% $322,869.00 $335,653.00 $202,381.00 $170,321.00 50.74%
Missouri Total 100.00% $116,509,491 $114,986,802 $72,238,481 $54,113,894 47.06%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.08% $474,238.00 $1,067,468.00 $1,692,180.00 $1,842,555.00 172.61%
Missouri Total 100.00% $573,919,772 $548,985,654 $277,364,391 $312,408,760 56.91%



EMPIRE FIRE AND MARINE INSURANCE CO

2003 Supplemental Data for

Accident & Health

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 0.44% 291 $463,592.00 $463,592.00 $0.00 $163,315.00 $201,778.00 43.52%
Missouri Total 100.00% 68,290 $104,258,757 $104,968,781 $69,045 $59,230,012 $62,078,754 59.14%



EMPIRE FIRE AND MARINE INSURANCE CO

2003 Supplemental Data for

Property & Casualty

Growing Crops

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 3.78% $201,140.00 $201,140.00 $171,685.00 $171,683.00 85.35%
Missouri Total 100.00% $5,319,737 $5,319,737 $2,103,011 $2,103,009 39.53%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.14% $248,456.00 $230,566.00 $33,491.00 $93,066.00 40.36%
Missouri Total 100.00% $182,338,531 $187,165,278 $71,297,214 $69,123,743 36.93%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.17% $962,521.00 $816,917.00 $106,566.00 $495,499.00 60.65%
Missouri Total 100.00% $553,139,194 $536,242,304 $187,094,404 $344,005,398 64.15%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.00% $27.00 $4,517.00 $17,747.00 $17,690.00 391.63%
Missouri Total 100.00% $812,910,433 $803,532,054 $467,697,858 $464,446,320 57.80%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.00% $142.00 $2,837.00 $8,932.00 $-69.00 -2.43%
Missouri Total 100.00% $449,295,894 $443,554,384 $320,742,757 $318,901,628 71.90%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.00% $23.00 $2,631.00 $25,000.00 $31,185.00 1,185.29%
Missouri Total 100.00% $690,293,517 $681,854,756 $386,484,308 $412,602,808 60.51%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.00% $10.00 $1,125.00 $3,350.00 $4,179.00 371.47%
Missouri Total 100.00% $574,312,577 $564,962,318 $371,718,988 $376,069,587 66.57%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.00% $1.00 $430.00 $881.00 $1,099.00 255.58%
Missouri Total 100.00% $99,521,347 $97,706,064 $63,513,219 $59,211,502 60.60%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.00% $25.00 $2,464.00 $15,000.00 $6,237.00 253.13%
Missouri Total 100.00% $92,607,368 $90,790,873 $44,913,964 $53,422,258 58.84%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.38% $163,509.00 $137,315.00 $0.00 $40,411.00 29.43%
Missouri Total 100.00% $42,611,734 $41,040,430 $40,107,443 $50,268,252 122.48%



EMPIRE FIRE AND MARINE INSURANCE CO

2003 Supplemental Data for

Accident & Health

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 0.01% 291 $463,592.00 $463,592.00 $0.00 $163,315.00 $201,778.00 43.52%
Missouri Total 100.00% 10,342,971 $3,852,900,654 $3,820,337,190 $1,631,763 $2,664,219,455 $2,730,742,332 71.48%



EMPIRE FIRE AND MARINE INSURANCE CO

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 3.86% $20,253,879.00 $19,902,847.00 $13,158,604.00 $20,082,346.00 100.90%
Missouri Total 100.00% $525,235,729 $516,072,744 $287,943,393 $323,588,706 62.70%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.14% $322,869.00 $335,653.00 $202,381.00 $170,321.00 50.74%
Missouri Total 100.00% $224,541,860 $219,821,214 $138,606,011 $117,163,205 53.30%



EMPIRE FIRE AND MARINE INSURANCE CO

2003 Supplemental Data for

Accident & Health

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 0.02% 291 $463,592.00 $463,592.00 $0.00 $163,315.00 $201,778.00 43.52%
Missouri Total 100.00% 8,540,410 $2,878,594,040 $2,850,934,447 $443,521 $2,086,264,285 $2,118,878,045 74.32%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.00% $228.00 $14,004.00 $70,910.00 $60,321.00 430.74%
Missouri Total 100.00% $2,761,812,838 $2,724,230,251 $1,680,760,050 $1,722,096,248 63.21%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.29% $22,658,931.00 $22,733,616.00 $15,435,817.00 $22,956,202.00 100.98%
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):