HIGHLANDS INSURANCE COMPANY

1999 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% $-187.00 $789.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $50,910,133 $49,128,126 $29,014,889 $31,013,616 63.13%



HIGHLANDS INSURANCE COMPANY

1999 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 0.01% $23,891.00 $25,393.00 $0.00 $-23,135.00 -91.11%
Missouri Total 100.00% $171,223,989 $173,894,056 $137,946,427 $126,443,689 72.71%



HIGHLANDS INSURANCE COMPANY

1999 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% $-329.00 $185.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $73,335,240 $71,562,691 $33,788,717 $26,603,707 37.18%



HIGHLANDS INSURANCE COMPANY

1999 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% $5,882.00 $4,564.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $388,749,781 $386,957,645 $251,260,487 $275,215,491 71.12%



HIGHLANDS INSURANCE COMPANY

1999 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 0.01% $45,085.00 $48,422.00 $28,839.00 $365,385.00 754.58%
Missouri Total 100.00% $558,918,341 $548,048,410 $366,482,764 $387,577,329 70.72%



HIGHLANDS INSURANCE COMPANY

1999 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 0.00% $700.00 $263.00 $0.00 $-368,660.00 -140,174.90%
Missouri Total 100.00% $148,917,484 $132,937,634 $105,945,056 $99,785,009 75.06%



HIGHLANDS INSURANCE COMPANY

1999 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 -0.01% $-3,833.00 $-584.00 $39,031.00 $102,416.00 -17,536.99%
Missouri Total 100.00% $32,668,295 $33,531,531 $27,426,984 $34,814,162 103.83%



HIGHLANDS INSURANCE COMPANY

1999 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% $6,234.00 $5,875.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $313,534,451 $323,619,328 $184,569,615 $206,394,248 63.78%



HIGHLANDS INSURANCE COMPANY

1999 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 $19.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $44,715,951 $45,065,164 $13,763,343 $13,579,751 30.13%



HIGHLANDS INSURANCE COMPANY

1999 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 0.01% $23,704.00 $26,182.00 $0.00 $-23,135.00 -88.36%
Missouri Total 100.00% $366,583,070 $365,111,418 $280,905,549 $264,741,160 72.51%



HIGHLANDS INSURANCE COMPANY

1999 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 0.00% $-329.00 $185.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $121,454,178 $120,310,513 $58,719,514 $47,234,718 39.26%



HIGHLANDS INSURANCE COMPANY

1999 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 0.00% $77,443.00 $84,926.00 $67,870.00 $76,006.00 89.50%
Missouri Total 100.00% $5,428,912,606 $5,347,544,773 $3,394,785,889 $3,451,256,420 64.54%



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