ZURICH AMERICAN INSURANCE COMPANY

2004 Supplemental Data for

Property & Casualty

Aircraft

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 5.85% $1,900,673.00 $1,932,906.00 $325,029.00 $713,466.00 36.91%
Missouri Total 100.00% $32,464,976 $33,277,303 $10,804,783 $9,466,912 28.45%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 3.43% $691,703.00 $764,476.00 $14,500.00 $43,670.00 5.71%
Missouri Total 100.00% $20,154,053 $20,792,906 $4,993,081 $4,009,561 19.28%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 0.06% $1,931.00 $1,546.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $3,075,875 $3,041,453 $1,243,717 $856,560 28.16%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 1.11% $1,139,004.00 $1,072,975.00 $782,125.00 $747,937.00 69.71%
Missouri Total 100.00% $102,908,301 $100,472,114 $46,435,406 $45,818,749 45.60%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 1.35% $824,366.00 $811,850.00 $134,778.00 $73,326.00 9.03%
Missouri Total 100.00% $61,203,306 $60,296,445 $32,970,544 $31,213,703 51.77%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 3.30% $8,769,840.00 $7,672,785.00 $3,154,506.00 $2,814,482.00 36.68%
Missouri Total 100.00% $266,104,571 $257,394,838 $167,500,159 $156,039,811 60.62%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 0.11% $95,463.00 $17,265.00 $918,190.00 $971,188.00 5,625.18%
Missouri Total 100.00% $90,257,005 $91,663,772 $42,132,717 $46,623,735 50.86%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 6.10% $474,289.00 $456,233.00 $1,504.00 $29,400.00 6.44%
Missouri Total 100.00% $7,769,372 $7,592,187 $4,641,831 $2,048,509 26.98%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 4.92% $845,558.00 $827,560.00 $4,000.00 $-1,001.00 -0.12%
Missouri Total 100.00% $17,185,381 $17,045,912 $7,666,069 $5,465,527 32.06%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 0.85% $1,146,624.00 $2,314,367.00 $-183,584.00 $-250,815.00 -10.84%
Missouri Total 100.00% $135,095,191 $140,253,823 $59,288,986 $58,928,282 42.02%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 0.54% $3,244,823.00 $3,202,881.00 $1,836,853.00 $2,604,233.00 81.31%
Missouri Total 100.00% $604,339,988 $594,249,075 $246,348,996 $288,959,671 48.63%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 3.59% $34,616,397.00 $36,872,920.00 $9,795,821.00 $23,639,464.00 64.11%
Missouri Total 100.00% $963,548,981 $951,290,491 $478,733,108 $593,495,368 62.39%



ZURICH AMERICAN INSURANCE COMPANY

2004 Supplemental Data for

Property & Casualty

Earthquake

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.10% $72,267.00 $136,439.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $71,142,042 $68,942,586 $2,034 $663,937 0.96%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 4.93% $1,161,791.00 $1,080,137.00 $0.00 $-1.00 0.00%
Missouri Total 100.00% $23,564,531 $23,070,006 $7,341,650 $2,614,302 11.33%



ZURICH AMERICAN INSURANCE COMPANY

2004 Supplemental Data for

Property & Casualty

Fidelity

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 1.09% $241,954.00 $419,586.00 $4,351.00 $525,509.00 125.24%
Missouri Total 100.00% $22,168,831 $22,600,150 $8,928,202 $9,230,395 40.84%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 18.64% 75,445 $17,955,472.00 $18,089,855.00 $0.00 $11,430,073.00 $13,706,949.00 75.77%
Missouri Total 100.00% 3,112,785 $96,313,011 $96,004,545 $103,738 $49,204,603 $51,379,533 53.52%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 0.69% 9,117 $1,613,447.00 $1,613,447.00 $0.00 $1,176,930.00 $1,226,998.00 76.05%
Missouri Total 100.00% 827,624 $232,404,579 $232,951,401 $0 $86,691,187 $189,878,256 81.51%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 2.84% $5,305,447.00 $4,747,816.00 $4,380,199.00 $8,751,303.00 184.32%
Missouri Total 100.00% $187,073,322 $187,813,880 $81,270,526 $85,100,266 45.31%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 0.00% $0.00 $276,338.00 $2,200,000.00 $-851,699.00 -308.21%
Missouri Total 100.00% $47,899,466 $44,450,629 $20,485,670 $17,843,473 40.14%



ZURICH AMERICAN INSURANCE COMPANY

2004 Supplemental Data for

Property & Casualty

Medical Malpractice - Other

Market_Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.02% $2,000.00 $1,047.00 $0.00 $0.00 0.00%
Missouri Total 100.00% $9,966,006 $10,972,529 $7,882,678 $-7,029,405 -64.06%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 0.48% $680,325.00 $658,728.00 $3,172,500.00 $2,786,415.00 423.00%
Missouri Total 100.00% $142,627,100 $142,262,082 $81,076,868 $91,237,441 64.13%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 2.03% $740,875.00 $869,692.00 $1,538.00 $141,288.00 16.25%
Missouri Total 100.00% $36,534,614 $39,051,612 $22,959,021 $10,878,995 27.86%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 2.89% $11,821,026.00 $17,497,846.00 $7,500,910.00 $10,265,995.00 58.67%
Missouri Total 100.00% $409,263,293 $444,911,829 $227,717,624 $368,806,231 82.89%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 $-41.00 0.00%
Missouri Total 100.00% $700,801,940 $700,339,537 $408,256,743 $436,363,936 62.31%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 6.17% $2,989,317.00 $2,697,472.00 $572,625.00 $643,885.00 23.87%
Missouri Total 100.00% $48,418,835 $47,202,540 $38,723,657 $43,669,821 92.52%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 $63.00 0.00%
Missouri Total 100.00% $57,700,529 $58,025,787 $4,164,385 $8,226,200 14.18%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 0.46% 84,562 $19,568,919.00 $19,703,302.00 $0.00 $12,607,003.00 $14,933,947.00 75.79%
Missouri Total 100.00% 15,325,488 $4,295,618,608 $4,290,144,267 $1,485,559 $3,002,308,121 $3,208,218,965 74.78%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 2.23% $12,148,520.00 $10,858,668.00 $4,995,103.00 $4,635,332.00 42.69%
Missouri Total 100.00% $545,427,936 $534,465,268 $301,346,726 $287,210,034 53.74%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 0.50% $1,146,624.00 $2,314,367.00 $-183,584.00 $-250,815.00 -10.84%
Missouri Total 100.00% $228,110,674 $229,282,107 $100,938,474 $99,328,482 43.32%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 0.59% 84,562 $19,568,919.00 $19,703,302.00 $0.00 $12,607,003.00 $14,933,947.00 75.79%
Missouri Total 100.00% 13,467,585 $3,292,621,915 $3,288,067,459 $208,057 $2,379,030,650 $2,553,729,227 77.67%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 0.33% $682,325.00 $936,113.00 $5,372,500.00 $1,934,716.00 206.68%
Missouri Total 100.00% $205,581,129 $202,933,059 $110,138,156 $100,898,894 49.72%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 $-41.00 0.00%
Missouri Total 100.00% $2,808,444,459 $2,808,256,870 $1,697,738,108 $1,729,295,285 61.58%



ZURICH AMERICAN INSURANCE COMPANY

2004 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 0.97% $76,765,673.00 $84,332,865.00 $34,615,845.00 $53,648,067.00 63.61%
Missouri Total 100.00% $7,912,453,158 $7,829,991,916 $4,189,177,430 $4,504,110,599 57.52%



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