EMPIRE FIRE AND MARINE INSURANCE CO

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 0.38% $11,621.00 $9,447.00 $0.00 $-1,315.00 -13.92%
Missouri Total 100.00% $3,086,430 $2,879,888 $1,213,949 $1,259,157 43.72%



EMPIRE FIRE AND MARINE INSURANCE CO

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 3.26% $3,094,481.00 $2,882,588.00 $1,318,756.00 $1,644,504.00 57.05%
Missouri Total 100.00% $94,966,273 $95,533,021 $47,545,217 $48,272,677 50.53%



EMPIRE FIRE AND MARINE INSURANCE CO

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 3.66% $2,310,971.00 $2,152,728.00 $984,853.00 $1,228,122.00 57.05%
Missouri Total 100.00% $63,177,401 $64,005,865 $24,175,823 $25,747,008 40.23%



EMPIRE FIRE AND MARINE INSURANCE CO

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 3.91% $10,488,432.00 $10,394,165.00 $1,996,047.00 $2,575,165.00 24.78%
Missouri Total 100.00% $268,161,058 $271,980,407 $147,975,880 $159,836,768 58.77%



EMPIRE FIRE AND MARINE INSURANCE CO

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 5.39% $4,436,092.00 $4,396,221.00 $844,230.00 $1,089,169.00 24.78%
Missouri Total 100.00% $82,321,432 $79,876,541 $39,335,646 $42,737,585 53.50%



EMPIRE FIRE AND MARINE INSURANCE CO

2005 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 86.79% $53,645,674.00 $53,163,520.00 $10,209,273.00 $13,171,318.00 24.78%
Missouri Total 100.00% $61,808,059 $61,009,066 $11,841,379 $15,054,425 24.68%



EMPIRE FIRE AND MARINE INSURANCE CO

2005 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 1.16% $204,778.00 $202,937.00 $38,971.00 $50,278.00 24.78%
Missouri Total 100.00% $17,687,763 $17,302,729 $10,537,218 $10,671,396 61.67%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.21% $287,710.00 $289,283.00 $70,046.00 $62,197.00 21.50%
Missouri Total 100.00% $135,755,240 $131,372,826 $41,125,322 $23,826,255 18.14%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.49% $3,081,770.00 $2,028,143.00 $1,337,350.00 $1,985,312.00 97.89%
Missouri Total 100.00% $622,649,146 $614,760,000 $249,031,666 $248,131,677 40.36%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.00% $0.00 $-2,676.00 $0.00 $184.00 -6.88%
Missouri Total 100.00% $1,008,002,549 $968,998,320 $461,730,864 $594,472,086 61.35%



EMPIRE FIRE AND MARINE INSURANCE CO

2005 Supplemental Data for

Property & Casualty

Farm Fire & Allied Lines

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.05% $5,625.00 $5,625.00 $0.00 $223.00 3.96%
Missouri Total 100.00% $10,292,030 $9,946,105 $9,576,450 $9,849,069 99.02%



EMPIRE FIRE AND MARINE INSURANCE CO

2005 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 0.22% 165 $267,835.00 $267,835.00 $0.00 $229,406.00 $222,986.00 83.25%
Missouri Total 100.00% 118,177 $122,623,109 $120,656,816 $28,224 $79,036,245 $78,461,180 65.03%



EMPIRE FIRE AND MARINE INSURANCE CO

2005 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 0.03% $268,834.00 $260,766.00 $0.00 $-2,342.00 -0.90%
Missouri Total 100.00% $974,940,150 $962,933,485 $397,280,337 $443,502,680 46.06%



EMPIRE FIRE AND MARINE INSURANCE CO

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 1.69% $3,414,046.00 $3,368,541.00 $206,460.00 $399,183.00 11.85%
Missouri Total 100.00% $201,917,577 $199,964,322 $75,938,842 $90,734,243 45.38%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.13% $744,038.00 $822,380.00 $254,638.00 $378,671.00 46.05%
Missouri Total 100.00% $568,337,066 $603,483,554 $334,235,058 $378,856,753 62.78%



EMPIRE FIRE AND MARINE INSURANCE CO

2005 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 $17.00 $0.00 $-180.00 -1,058.82%
Missouri Total 100.00% $785,477,015 $793,406,772 $450,298,920 $448,529,725 56.53%



EMPIRE FIRE AND MARINE INSURANCE CO

2005 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 $30,221.00 0.00%
Missouri Total 100.00% $719,748,706 $719,174,030 $438,738,616 $475,112,521 66.06%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.21% $96,095.00 $103,707.00 $0.00 $-1,249.00 -1.20%
Missouri Total 100.00% $45,726,733 $48,846,364 $23,180,412 $4,761,872 9.75%



EMPIRE FIRE AND MARINE INSURANCE CO

2005 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% $50.00 $31.00 $0.00 $10.00 32.26%
Missouri Total 100.00% $67,003,050 $65,353,672 $19,740,699 $20,079,091 30.72%



EMPIRE FIRE AND MARINE INSURANCE CO

2005 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% 165 $267,835.00 $267,835.00 $0.00 $229,406.00 $222,986.00 83.25%
Missouri Total 100.00% 19,163,590 $4,740,626,481 $4,736,978,690 $1,646,924 $3,444,966,965 $3,686,629,220 77.83%



EMPIRE FIRE AND MARINE INSURANCE CO

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 12.61% $74,180,428.00 $73,192,159.00 $15,392,130.00 $19,758,556.00 27.00%
Missouri Total 100.00% $588,121,986 $589,707,629 $281,411,163 $302,319,859 51.27%



EMPIRE FIRE AND MARINE INSURANCE CO

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 0.11% $293,335.00 $294,908.00 $70,046.00 $62,420.00 21.17%
Missouri Total 100.00% $271,373,726 $265,149,404 $100,666,288 $86,534,872 32.64%



EMPIRE FIRE AND MARINE INSURANCE CO

2005 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% 165 $267,835.00 $267,835.00 $0.00 $229,406.00 $222,986.00 83.25%
Missouri Total 100.00% 17,483,371 $3,695,172,901 $3,705,281,883 $57,862 $2,790,711,236 $3,011,485,171 81.28%



EMPIRE FIRE AND MARINE INSURANCE CO

2005 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 0.03% $268,834.00 $260,766.00 $0.00 $-2,342.00 -0.90%
Missouri Total 100.00% $1,056,946,691 $1,045,454,044 $430,664,376 $475,240,408 45.46%



EMPIRE FIRE AND MARINE INSURANCE CO

2005 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 $17.00 $0.00 $30,041.00 176,711.76%
Missouri Total 100.00% $2,773,452,710 $2,784,301,481 $1,597,094,439 $1,623,488,230 58.31%



EMPIRE FIRE AND MARINE INSURANCE CO

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 1.00% $82,090,217.00 $80,077,423.00 $17,260,624.00 $22,609,471.00 28.23%
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):