EMPIRE FIRE AND MARINE INSURANCE CO

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 0.27% $8,235.00 $18,724.00 $5,000.00 $8,203.00 43.81%
Missouri Total 100.00% $3,075,875 $3,041,453 $1,243,717 $856,560 28.16%



EMPIRE FIRE AND MARINE INSURANCE CO

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 3.32% $3,420,505.00 $2,677,479.00 $1,467,743.00 $1,408,281.00 52.60%
Missouri Total 100.00% $102,908,301 $100,472,114 $46,435,406 $45,818,749 45.60%



EMPIRE FIRE AND MARINE INSURANCE CO

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 4.10% $2,509,493.00 $2,288,260.00 $532,694.00 $480,638.00 21.00%
Missouri Total 100.00% $61,203,306 $60,296,445 $32,970,544 $31,213,703 51.77%



EMPIRE FIRE AND MARINE INSURANCE CO

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 4.07% $10,837,340.00 $9,690,461.00 $11,554,459.00 $10,164,905.00 104.90%
Missouri Total 100.00% $266,104,571 $257,394,838 $167,500,159 $156,039,811 60.62%



EMPIRE FIRE AND MARINE INSURANCE CO

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 4.62% $4,173,773.00 $4,129,029.00 $717,430.00 $473,066.00 11.46%
Missouri Total 100.00% $90,257,005 $91,663,772 $42,132,717 $46,623,735 50.86%



EMPIRE FIRE AND MARINE INSURANCE CO

2004 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 0.79% $61,525.00 $63,954.00 $3,210.00 $3,106.00 4.86%
Missouri Total 100.00% $7,769,372 $7,592,187 $4,641,831 $2,048,509 26.98%



EMPIRE FIRE AND MARINE INSURANCE CO

2004 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 1.00% $171,057.00 $168,876.00 $5,616.00 $234,300.00 138.74%
Missouri Total 100.00% $17,185,381 $17,045,912 $7,666,069 $5,465,527 32.06%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.23% $316,524.00 $358,458.00 $113,971.00 $107,526.00 30.00%
Missouri Total 100.00% $135,095,191 $140,253,823 $59,288,986 $58,928,282 42.02%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.06% $371,937.00 $798,965.00 $2,089,094.00 $2,104,676.00 263.43%
Missouri Total 100.00% $604,339,988 $594,249,075 $246,348,996 $288,959,671 48.63%



EMPIRE FIRE AND MARINE INSURANCE CO

2004 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 0.33% 148 $379,987.00 $379,987.00 $0.00 $336,570.00 $312,892.00 82.34%
Missouri Total 100.00% 77,628 $114,366,125 $113,733,916 $22,495 $70,155,731 $70,614,791 62.09%



EMPIRE FIRE AND MARINE INSURANCE CO

2004 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 0.01% $3,080.00 $3,080.00 $14,267.00 $14,267.00 463.21%
Missouri Total 100.00% $42,979,484 $42,979,473 $11,921,614 $11,924,094 27.74%



EMPIRE FIRE AND MARINE INSURANCE CO

2004 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 0.02% $160,099.00 $52,665.00 $0.00 $20,402.00 38.74%
Missouri Total 100.00% $957,852,647 $915,218,541 $542,464,859 $553,032,164 60.43%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.19% $346,642.00 $297,640.00 $75,279.00 $52,715.00 17.71%
Missouri Total 100.00% $187,073,322 $187,813,880 $81,270,526 $85,100,266 45.31%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.24% $976,241.00 $957,474.00 $179,732.00 $-184,610.00 -19.28%
Missouri Total 100.00% $409,263,293 $444,911,829 $227,717,624 $368,806,231 82.89%



EMPIRE FIRE AND MARINE INSURANCE CO

2004 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% $0.00 $12.00 $-4,761.00 $-7,369.00 -61,408.33%
Missouri Total 100.00% $820,637,371 $824,990,169 $451,512,091 $448,885,997 54.41%



EMPIRE FIRE AND MARINE INSURANCE CO

2004 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% $0.00 $4.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $459,520,370 $458,810,495 $324,057,579 $320,620,799 69.88%



EMPIRE FIRE AND MARINE INSURANCE CO

2004 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% $0.00 $0.00 $0.00 $-762.00 0.00%
Missouri Total 100.00% $700,801,940 $700,339,537 $408,256,743 $436,363,936 62.31%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.28% $136,517.00 $143,235.00 $0.00 $19,971.00 13.94%
Missouri Total 100.00% $48,418,835 $47,202,540 $38,723,657 $43,669,821 92.52%



EMPIRE FIRE AND MARINE INSURANCE CO

2004 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% 148 $379,987.00 $379,987.00 $0.00 $336,570.00 $312,892.00 82.34%
Missouri Total 100.00% 15,325,488 $4,295,618,608 $4,290,144,267 $1,485,559 $3,002,308,121 $3,208,218,965 74.78%



EMPIRE FIRE AND MARINE INSURANCE CO

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 3.88% $21,173,693.00 $19,018,059.00 $14,281,152.00 $12,764,296.00 67.12%
Missouri Total 100.00% $545,427,936 $534,465,268 $301,346,726 $287,210,034 53.74%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.14% $316,524.00 $358,458.00 $113,971.00 $107,526.00 30.00%
Missouri Total 100.00% $228,110,674 $229,282,107 $100,938,474 $99,328,482 43.32%



EMPIRE FIRE AND MARINE INSURANCE CO

2004 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 0.01% 148 $379,987.00 $379,987.00 $0.00 $336,570.00 $312,892.00 82.34%
Missouri Total 100.00% 13,467,585 $3,292,621,915 $3,288,067,459 $208,057 $2,379,030,650 $2,553,729,227 77.67%



EMPIRE FIRE AND MARINE INSURANCE CO

2004 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 0.02% $160,099.00 $52,665.00 $0.00 $20,402.00 38.74%
Missouri Total 100.00% $1,032,753,386 $985,036,736 $579,404,501 $591,492,521 60.05%



EMPIRE FIRE AND MARINE INSURANCE CO

2004 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% $0.00 $16.00 $-4,761.00 $-8,131.00 -50,818.75%
Missouri Total 100.00% $2,808,444,459 $2,808,256,870 $1,697,738,108 $1,729,295,285 61.58%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.30% $23,492,968.00 $21,648,316.00 $16,753,734.00 $14,899,315.00 68.82%
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):