ROYAL INSURANCE COMPANY OF AMERICA

2002 Supplemental Data for

Property & Casualty

Aircraft

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.00% $0.00 $0.00 $83,467.00 $7,888.00 0.00%
Missouri Total 100.00% $36,587,756 $32,915,282 $15,865,058 $16,682,735 50.68%



ROYAL INSURANCE COMPANY OF AMERICA

2002 Supplemental Data for

Property & Casualty

Boiler & Machinery

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.05% $12,161.00 $12,161.00 $67,569.00 $65,721.00 540.42%
Missouri Total 100.00% $22,118,305 $20,782,333 $4,126,311 $12,486,750 60.08%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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 2.45% $59,932.00 $60,816.00 $0.00 $-555.00 -0.91%
Missouri Total 100.00% $2,446,545 $2,949,704 $562,171 $506,458 17.17%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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 0.15% $150,970.00 $127,183.00 $18,518.00 $59,870.00 47.07%
Missouri Total 100.00% $100,617,350 $94,879,197 $49,031,878 $55,532,374 58.53%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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 0.17% $101,790.00 $99,203.00 $59,314.00 $11,482.00 11.57%
Missouri Total 100.00% $59,195,204 $57,778,388 $23,883,950 $25,319,207 43.82%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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 0.37% $895,490.00 $918,096.00 $80,302.00 $142,110.00 15.48%
Missouri Total 100.00% $243,246,527 $221,630,750 $138,938,134 $191,066,809 86.21%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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 0.40% $338,968.00 $302,983.00 $86,632.00 $126,413.00 41.72%
Missouri Total 100.00% $84,139,767 $82,573,429 $45,408,262 $50,453,557 61.10%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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 0.14% $9,629.00 $9,872.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $6,935,551 $8,773,033 $1,398,901 $946,477 10.79%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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 0.50% $79,410.00 $78,571.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $16,017,473 $16,397,727 $7,714,719 $8,626,258 52.61%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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 0.44% $602,940.00 $378,960.00 $-49,965.00 $46,717.00 12.33%
Missouri Total 100.00% $138,247,272 $126,571,650 $51,698,363 $52,423,402 41.42%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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 0.59% $3,067,172.00 $1,769,137.00 $859,662.00 $787,752.00 44.53%
Missouri Total 100.00% $523,399,718 $490,498,672 $290,996,242 $259,295,841 52.86%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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 1.13% $9,164,331.00 $7,602,718.00 $3,744,149.00 $4,218,949.00 55.49%
Missouri Total 100.00% $812,939,830 $781,621,057 $442,071,631 $551,143,597 70.51%



ROYAL INSURANCE COMPANY OF AMERICA

2002 Supplemental Data for

Property & Casualty

Earthquake

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.03% $15,470.00 $12,085.00 $0.00 $48.00 0.40%
Missouri Total 100.00% $53,581,635 $50,831,358 $9,609 $198,969 0.39%



ROYAL INSURANCE COMPANY OF AMERICA

2002 Supplemental Data for

Property & Casualty

Fidelity

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.49% $96,222.00 $100,455.00 $0.00 $-71,313.00 -70.99%
Missouri Total 100.00% $19,810,174 $18,100,444 $12,640,539 $10,469,708 57.84%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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 0.31% $553,299.00 $293,971.00 $583,154.00 $-11,200.00 -3.81%
Missouri Total 100.00% $179,895,286 $168,325,651 $65,809,176 $68,367,232 40.62%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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 0.88% $315,130.00 $321,863.00 $1,089,514.00 $2,489,278.00 773.40%
Missouri Total 100.00% $35,682,058 $34,189,872 $20,943,863 $42,671,435 124.81%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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 1.46% $6,872,873.00 $5,986,065.00 $1,077,194.00 $2,691,029.00 44.95%
Missouri Total 100.00% $470,213,482 $408,581,517 $192,337,111 $273,087,274 66.84%



ROYAL INSURANCE COMPANY OF AMERICA

2002 Supplemental Data for

Property & Casualty

Other Liability - Warranty

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.30% $75,975.00 $278,711.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $25,494,405 $26,260,804 $29,052,221 $28,724,806 109.38%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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% $693.00 $781.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $782,499,050 $774,073,704 $474,880,795 $476,914,243 61.61%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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% $391.00 $424.00 $0.00 $17.00 4.01%
Missouri Total 100.00% $418,524,602 $410,002,827 $240,420,486 $239,231,356 58.35%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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% $182.00 $236.00 $0.00 $-94.00 -39.83%
Missouri Total 100.00% $677,369,950 $669,920,852 $373,637,845 $393,905,842 58.80%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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% $70.00 $89.00 $0.00 $-3.00 -3.37%
Missouri Total 100.00% $507,741,126 $484,361,369 $371,358,545 $371,471,878 76.69%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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% $2.00 $3.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $91,459,309 $87,805,235 $62,981,548 $66,851,821 76.14%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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% $20.00 $25.00 $0.00 $-5.00 -20.00%
Missouri Total 100.00% $87,674,170 $87,363,958 $47,448,104 $45,474,243 52.05%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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 1.49% $544,779.00 $487,438.00 $583,597.00 $9,166,797.00 1,880.61%
Missouri Total 100.00% $36,491,980 $35,577,671 $41,383,083 $90,106,274 253.27%



ROYAL INSURANCE COMPANY OF AMERICA

2002 Supplemental Data for

Property & Casualty

Professional Liability (Excl Medical Malpractice)

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.00% $0.00 $15,801.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $26,334,775 $25,447,610 $7,657,931 $17,945,846 70.52%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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 $-22.00 0.00%
Missouri Total 100.00% $55,933,530 $54,757,917 $9,187,530 $10,751,797 19.64%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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 0.31% $1,576,257.00 $1,535,908.00 $244,766.00 $339,875.00 22.13%
Missouri Total 100.00% $510,151,872 $482,032,524 $266,375,844 $331,944,682 68.86%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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 0.30% $602,940.00 $378,960.00 $-49,965.00 $46,717.00 12.33%
Missouri Total 100.00% $203,291,608 $187,245,038 $86,075,331 $90,307,601 48.23%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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% $1,358.00 $1,558.00 $0.00 $-85.00 -5.46%
Missouri Total 100.00% $2,604,965,350 $2,551,929,309 $1,591,610,151 $1,623,009,915 63.60%



ROYAL INSURANCE COMPANY OF AMERICA

2002 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 0.33% $22,957,899.00 $18,857,647.00 $8,283,107.00 $19,730,879.00 104.63%
Missouri Total 100.00% $7,014,504,234 $6,670,388,496 $4,017,307,637 $4,433,868,594 66.47%



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