ZURICH AMERICAN INSURANCE COMPANY

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 3.63% $1,236,966.00 $581,161.00 $99,900.00 $170,970.00 29.42%
Missouri Total 100.00% $34,079,122 $34,288,794 $12,842,608 $12,883,947 37.57%



ZURICH AMERICAN INSURANCE COMPANY

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 3.42% $752,597.00 $721,436.00 $24,185.00 $45,496.00 6.31%
Missouri Total 100.00% $22,028,458 $22,133,751 $9,644,069 $5,521,170 24.94%



ZURICH AMERICAN INSURANCE COMPANY

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 0.11% $3,287.00 $7,267.00 $5,158.00 $-842.00 -11.59%
Missouri Total 100.00% $3,016,412 $2,923,637 $402,912 $433,724 14.84%



ZURICH AMERICAN INSURANCE COMPANY

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 1.24% $1,238,848.00 $1,138,377.00 $651,260.00 $646,380.00 56.78%
Missouri Total 100.00% $99,999,479 $100,773,243 $48,855,092 $44,874,488 44.53%



ZURICH AMERICAN INSURANCE COMPANY

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 1.58% $918,801.00 $789,466.00 $127,992.00 $132,859.00 16.83%
Missouri Total 100.00% $58,013,348 $57,788,854 $33,980,947 $32,861,398 56.86%



ZURICH AMERICAN INSURANCE COMPANY

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 3.22% $8,043,676.00 $7,204,950.00 $4,096,284.00 $1,871,230.00 25.97%
Missouri Total 100.00% $249,443,701 $242,948,043 $153,259,759 $190,400,064 78.37%



ZURICH AMERICAN INSURANCE COMPANY

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 0.02% $15,853.00 $13,284.00 $389,468.00 $439,962.00 3,311.97%
Missouri Total 100.00% $92,324,565 $89,158,290 $43,901,369 $42,341,715 47.49%



ZURICH AMERICAN INSURANCE COMPANY

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 8.35% $625,898.00 $566,122.00 $4,727.00 $357.00 0.06%
Missouri Total 100.00% $7,494,910 $7,185,991 $1,643,260 $1,766,264 24.58%



ZURICH AMERICAN INSURANCE COMPANY

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 7.78% $1,396,390.00 $1,361,022.00 $-11,500.00 $-15,099.00 -1.11%
Missouri Total 100.00% $17,959,726 $18,218,323 $6,302,966 $11,344,777 62.27%



ZURICH AMERICAN INSURANCE COMPANY

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 2.64% $3,074,609.00 $4,106,069.00 $1,341,249.00 $524,943.00 12.78%
Missouri Total 100.00% $116,509,491 $114,986,802 $72,238,481 $54,113,894 47.06%



ZURICH AMERICAN INSURANCE COMPANY

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 0.56% $3,235,072.00 $2,755,568.00 $175,204.00 $483,997.00 17.56%
Missouri Total 100.00% $573,919,772 $548,985,654 $277,364,391 $312,408,760 56.91%



ZURICH AMERICAN INSURANCE COMPANY

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 3.98% $35,967,125.00 $36,096,115.00 $9,107,495.00 $19,084,455.00 52.87%
Missouri Total 100.00% $903,170,880 $859,891,451 $453,558,549 $587,932,686 68.37%



ZURICH AMERICAN INSURANCE COMPANY

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 0.30% $193,906.00 $251,027.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $63,858,848 $58,427,399 $36,237 $361,209 0.62%



ZURICH AMERICAN INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Excess Workers Compensation

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 3.81% $1,000,710.00 $876,276.00 $0.00 $1.00 0.00%
Missouri Total 100.00% $26,295,822 $22,782,468 $4,263,816 $5,242,606 23.01%



ZURICH AMERICAN INSURANCE COMPANY

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 1.68% $378,461.00 $398,581.00 $69,956.00 $157,277.00 39.46%
Missouri Total 100.00% $22,487,041 $21,627,865 $6,726,389 $7,369,217 34.07%



ZURICH AMERICAN INSURANCE COMPANY

2003 Supplemental Data for

Accident & Health

Group Accident Only

Market_Share Number of Insureds Direct Premium Written Direct Premium Earned Dividends Paid Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 15.72% 22,628 $13,758,800.00 $14,199,594.00 $0.00 $8,258,687.00 $10,969,407.00 77.25%
Missouri Total 100.00% 2,219,297 $87,537,941 $88,045,683 $119,142 $42,280,493 $43,315,043 49.20%



ZURICH AMERICAN INSURANCE COMPANY

2003 Supplemental Data for

Accident & Health

Group Disability Income

Market_Share Number of Insureds Direct Premium Written Direct Premium Earned Dividends Paid Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.83% 4,226 $1,723,800.00 $1,723,800.00 $0.00 $1,368,171.00 $2,459,070.00 142.65%
Missouri Total 100.00% 966,905 $207,926,823 $208,768,671 $12,202 $139,285,242 $148,519,747 71.14%



ZURICH AMERICAN INSURANCE COMPANY

2003 Supplemental Data for

Accident & Health

Group Stop Loss

Market_Share Number of Insureds Direct Premium Written Direct Premium Earned Dividends Paid Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.84% 8,767 $1,020,009.00 $1,020,009.00 $0.00 $807,517.00 $762,603.00 74.76%
Missouri Total 100.00% 874,250 $121,222,794 $119,312,628 $0 $71,856,629 $68,055,783 57.04%



ZURICH AMERICAN INSURANCE COMPANY

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 3.27% $5,954,571.00 $7,402,610.00 $953,613.00 $1,011,370.00 13.66%
Missouri Total 100.00% $182,338,531 $187,165,278 $71,297,214 $69,123,743 36.93%



ZURICH AMERICAN INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Medical Malpractice - Hospitals

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 2.16% $688,300.00 $578,206.00 $637,230.00 $2,143,263.00 370.67%
Missouri Total 100.00% $31,902,636 $27,781,676 $19,299,000 $24,359,179 87.68%



ZURICH AMERICAN INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Medical Malpractice - Physicians & Surgeons

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.27% $375,072.00 $2,205,125.00 $2,086,500.00 $3,949,533.00 179.11%
Missouri Total 100.00% $136,418,623 $121,324,955 $52,870,665 $109,538,169 90.28%



ZURICH AMERICAN INSURANCE COMPANY

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 2.56% $990,439.00 $825,631.00 $3,318.00 $413,983.00 50.14%
Missouri Total 100.00% $38,730,395 $36,434,473 $14,874,486 $6,961,457 19.11%



ZURICH AMERICAN INSURANCE COMPANY

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 5.27% $29,131,050.00 $19,684,248.00 $8,761,890.00 $20,017,049.00 101.69%
Missouri Total 100.00% $553,139,194 $536,242,304 $187,094,404 $344,005,398 64.15%



ZURICH AMERICAN INSURANCE COMPANY

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% $0.00 $0.00 $0.00 $-18.00 0.00%
Missouri Total 100.00% $690,293,517 $681,854,756 $386,484,308 $412,602,808 60.51%



ZURICH AMERICAN INSURANCE COMPANY

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 4.87% $2,075,768.00 $1,851,098.00 $189,978.00 $711,268.00 38.42%
Missouri Total 100.00% $42,611,734 $41,040,430 $40,107,443 $50,268,252 122.48%



ZURICH AMERICAN INSURANCE COMPANY

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 $-300,091.00 0.00%
Missouri Total 100.00% $59,048,656 $56,336,389 $10,471,547 $7,015,246 12.45%



ZURICH AMERICAN INSURANCE COMPANY

2003 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 0.43% 35,621 $16,502,609.00 $16,943,403.00 $0.00 $10,434,375.00 $14,191,080.00 83.76%
Missouri Total 100.00% 10,342,971 $3,852,900,654 $3,820,337,190 $1,631,763 $2,664,219,455 $2,730,742,332 71.48%



ZURICH AMERICAN INSURANCE COMPANY

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 2.33% $12,239,466.00 $11,073,221.00 $5,258,231.00 $3,075,689.00 27.78%
Missouri Total 100.00% $525,235,729 $516,072,744 $287,943,393 $323,588,706 62.70%



ZURICH AMERICAN INSURANCE COMPANY

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 1.37% $3,074,609.00 $4,106,069.00 $1,341,249.00 $524,943.00 12.78%
Missouri Total 100.00% $224,541,860 $219,821,214 $138,606,011 $117,163,205 53.30%



ZURICH AMERICAN INSURANCE COMPANY

2003 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 0.57% 35,621 $16,502,609.00 $16,943,403.00 $0.00 $10,434,375.00 $14,191,080.00 83.76%
Missouri Total 100.00% 8,540,410 $2,878,594,040 $2,850,934,447 $443,521 $2,086,264,285 $2,118,878,045 74.32%



ZURICH AMERICAN INSURANCE COMPANY

2003 Supplemental Data for

Property & Casualty

Total Medical Malpractice

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.57% $1,063,372.00 $2,783,331.00 $2,723,730.00 $6,092,796.00 218.90%
Missouri Total 100.00% $186,479,369 $169,970,363 $83,749,885 $164,309,442 96.67%



ZURICH AMERICAN INSURANCE COMPANY

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% $0.00 $0.00 $0.00 $-18.00 0.00%
Missouri Total 100.00% $2,761,812,838 $2,724,230,251 $1,680,760,050 $1,722,096,248 63.21%



ZURICH AMERICAN INSURANCE COMPANY

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 1.26% $97,297,399.00 $89,413,639.00 $28,713,907.00 $51,488,343.00 57.58%
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):