ROYAL INSURANCE COMPANY OF AMERICA

2003 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 $36,057.00 $32,084.00 0.00%
Missouri Total 100.00% $34,079,122 $34,288,794 $12,842,608 $12,883,947 37.57%



ROYAL INSURANCE COMPANY OF AMERICA

2003 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 0.00% $0.00 $0.00 $-52,941.00 $-52,810.00 0.00%
Missouri Total 100.00% $22,028,458 $22,133,751 $9,644,069 $5,521,170 24.94%



ROYAL INSURANCE COMPANY OF AMERICA

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 0.07% $2,255.00 $27,100.00 $18,185.00 $17,871.00 65.94%
Missouri Total 100.00% $3,016,412 $2,923,637 $402,912 $433,724 14.84%



ROYAL INSURANCE COMPANY OF AMERICA

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 0.06% $61,175.00 $94,396.00 $75,539.00 $62,442.00 66.15%
Missouri Total 100.00% $99,999,479 $100,773,243 $48,855,092 $44,874,488 44.53%



ROYAL INSURANCE COMPANY OF AMERICA

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 0.08% $44,664.00 $67,151.00 $5,556.00 $2,098.00 3.12%
Missouri Total 100.00% $58,013,348 $57,788,854 $33,980,947 $32,861,398 56.86%



ROYAL INSURANCE COMPANY OF AMERICA

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 0.21% $534,023.00 $733,442.00 $1,856,835.00 $1,933,420.00 263.61%
Missouri Total 100.00% $249,443,701 $242,948,043 $153,259,759 $190,400,064 78.37%



ROYAL INSURANCE COMPANY OF AMERICA

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 0.21% $190,327.00 $265,168.00 $71,230.00 $47,801.00 18.03%
Missouri Total 100.00% $92,324,565 $89,158,290 $43,901,369 $42,341,715 47.49%



ROYAL INSURANCE COMPANY OF AMERICA

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 0.08% $5,742.00 $7,886.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $7,494,910 $7,185,991 $1,643,260 $1,766,264 24.58%



ROYAL INSURANCE COMPANY OF AMERICA

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 0.26% $46,602.00 $64,244.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $17,959,726 $18,218,323 $6,302,966 $11,344,777 62.27%



ROYAL INSURANCE COMPANY OF AMERICA

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 0.31% $366,339.00 $544,829.00 $42,574.00 $-114,516.00 -21.02%
Missouri Total 100.00% $116,509,491 $114,986,802 $72,238,481 $54,113,894 47.06%



ROYAL INSURANCE COMPANY OF AMERICA

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 0.36% $2,071,427.00 $2,882,391.00 $1,472,102.00 $1,611,618.00 55.91%
Missouri Total 100.00% $573,919,772 $548,985,654 $277,364,391 $312,408,760 56.91%



ROYAL INSURANCE COMPANY OF AMERICA

2003 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 0.74% $6,653,171.00 $9,072,556.00 $5,127,164.00 $8,149,109.00 89.82%
Missouri Total 100.00% $903,170,880 $859,891,451 $453,558,549 $587,932,686 68.37%



ROYAL INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Property & Casualty

Earthquake

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.09% $57,445.00 $45,164.00 $0.00 $-311.00 -0.69%
Missouri Total 100.00% $63,858,848 $58,427,399 $36,237 $361,209 0.62%



ROYAL INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Property & Casualty

Fidelity

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.02% $3,694.00 $46,351.00 $0.00 $7,434.00 16.04%
Missouri Total 100.00% $22,487,041 $21,627,865 $6,726,389 $7,369,217 34.07%



ROYAL INSURANCE COMPANY OF AMERICA

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 0.01% $18,942.00 $279,512.00 $304,388.00 $297,277.00 106.36%
Missouri Total 100.00% $182,338,531 $187,165,278 $71,297,214 $69,123,743 36.93%



ROYAL INSURANCE COMPANY OF AMERICA

2003 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 0.44% $171,427.00 $197,177.00 $-4,782.00 $-924,611.00 -468.92%
Missouri Total 100.00% $38,730,395 $36,434,473 $14,874,486 $6,961,457 19.11%



ROYAL INSURANCE COMPANY OF AMERICA

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 0.64% $3,512,651.00 $6,426,712.00 $1,302,548.00 $7,146,588.00 111.20%
Missouri Total 100.00% $553,139,194 $536,242,304 $187,094,404 $344,005,398 64.15%



ROYAL INSURANCE COMPANY OF AMERICA

2003 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 -0.18% $-72,529.00 $-23,795.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $40,046,621 $36,789,280 $40,433,666 $42,982,252 116.83%



ROYAL INSURANCE COMPANY OF AMERICA

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% $264.00 $384.00 $0.00 $-2.00 -0.52%
Missouri Total 100.00% $812,910,433 $803,532,054 $467,697,858 $464,446,320 57.80%



ROYAL INSURANCE COMPANY OF AMERICA

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% $149.00 $216.00 $0.00 $4.00 1.85%
Missouri Total 100.00% $449,295,894 $443,554,384 $320,742,757 $318,901,628 71.90%



ROYAL INSURANCE COMPANY OF AMERICA

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% $66.00 $96.00 $0.00 $-20.00 -20.83%
Missouri Total 100.00% $690,293,517 $681,854,756 $386,484,308 $412,602,808 60.51%



ROYAL INSURANCE COMPANY OF AMERICA

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% $27.00 $39.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $574,312,577 $564,962,318 $371,718,988 $376,069,587 66.57%



ROYAL INSURANCE COMPANY OF AMERICA

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% $4.00 $6.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $99,521,347 $97,706,064 $63,513,219 $59,211,502 60.60%



ROYAL INSURANCE COMPANY OF AMERICA

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% $8.00 $11.00 $0.00 $-1.00 -9.09%
Missouri Total 100.00% $92,607,368 $90,790,873 $44,913,964 $53,422,258 58.84%



ROYAL INSURANCE COMPANY OF AMERICA

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 1.05% $447,463.00 $516,533.00 $5,441,275.00 $4,209,594.00 814.97%
Missouri Total 100.00% $42,611,734 $41,040,430 $40,107,443 $50,268,252 122.48%



ROYAL INSURANCE COMPANY OF AMERICA

2003 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% $26,055,353 $21,252,666 $12,810,273 $18,589,750 87.47%



ROYAL INSURANCE COMPANY OF AMERICA

2003 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 $5.00 0.00%
Missouri Total 100.00% $59,048,656 $56,336,389 $10,471,547 $7,015,246 12.45%



ROYAL INSURANCE COMPANY OF AMERICA

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 0.17% $882,533.00 $1,232,287.00 $2,009,160.00 $2,045,761.00 166.01%
Missouri Total 100.00% $525,235,729 $516,072,744 $287,943,393 $323,588,706 62.70%



ROYAL INSURANCE COMPANY OF AMERICA

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 0.16% $366,339.00 $544,829.00 $42,574.00 $-114,516.00 -21.02%
Missouri Total 100.00% $224,541,860 $219,821,214 $138,606,011 $117,163,205 53.30%



ROYAL INSURANCE COMPANY OF AMERICA

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% $518.00 $752.00 $0.00 $-19.00 -2.53%
Missouri Total 100.00% $2,761,812,838 $2,724,230,251 $1,680,760,050 $1,722,096,248 63.21%



ROYAL INSURANCE COMPANY OF AMERICA

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 0.18% $14,115,336.00 $21,263,370.00 $15,695,730.00 $22,425,074.00 105.46%
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):