Activity in the liability for unpaid losses and loss adjustment expenses is summarized as follows:

During the year ended December 31, 2020, the Company’s reported losses and LAE included $3,292 of net unfavorable development on prior accident years, compared to $6,509 of net favorable development on prior accident years during the year ended December 31, 2019. Increases and decreases are generally the result of ongoing analysis of recent loss development trends. As additional information becomes known regarding individual claims, original estimates are increased or decreased accordingly. The net unfavorable development reported for the year ended December 31, 2020 was primarily attributable to our 2019 multi-peril crop business.

The following tables present information, organized by our primary operating segments, about incurred and paid claims development as of December 31, 2020, net of reinsurance, as well as cumulative claim frequency and the total of IBNR reserves plus expected development on reported claims. The cumulative number of reported claims represents open claims, claims closed with payment, and claims closed without payment. It does not include an estimated amount for unreported claims. The number of claims is measured by claim event (such as a car accident or storm damage) and an individual claim event may result in more than one reported claim (such as a car accident with both property and liability damages). The Company considers a claim that does not result in a liability as a claim closed without payment. The segment information presented in the tables is prior to the effects of the intercompany reinsurance pooling agreement.

The tables include unaudited information about incurred and paid claims development (a) for the years ended December 31, 2011 through 2015 for the Private Passenger Auto, Primero Non-Standard Auto, Home and Farm, and Crop segments, (b) through 2017 for the Direct Auto Non-Standard Auto information, and (c) through 2019 for the Westminster Commercial information, which we present as supplementary information.

Private Passenger Auto	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,																						At December 31, 2020
Accident Year		2011 ⁽¹⁾		2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020			Total IBNR Plus Expected Development on Reported Claims		Cumulative Number of Reported Claims
(in thousands, except claim counts)
2011		$	25,552	$	24,126	$	25,220	$	24,409	$	24,209	$	23,967	$	23,814	$	23,826	$	23,852		$	23,785		—		11,485
2012			—		26,962		24,787		24,323		24,098		24,133		23,298		23,621		23,651			22,523		3		9,726
2013			—		—		29,079		27,840		27,363		27,334		26,014		26,138		26,105			26,077		36		10,825
2014			—		—		—		32,548		31,349		30,427		29,099		29,144		29,298			29,479		115		11,744
2015			—		—		—		—		32,438		31,532		30,461		30,503		30,679			30,455		230		11,687
2016			—		—		—		—		—		40,227		39,260		39,057		39,314			38,535		298		14,317
2017			—		—		—		—		—		—		40,779		40,199		40,120			40,427		287		13,740
2018			—		—		—		—		—		—		—		44,925		43,428			43,641		591		14,651
2019			—		—		—		—		—		—		—		—		53,769			53,328		1,279		16,451
2020			—		—		—		—		—		—		—		—		—			46,247		2,477		12,624
																			Total		$	354,497

⁽¹⁾ Prior years unaudited

Private Passenger Auto	Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,
Accident Year	2011 ⁽¹⁾		2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020
2011	$	19,116	$	22,161	$	22,325	$	23,024	$	23,339	$	23,583	$	23,732	$	23,747	$	23,852	$	23,785
2012		—		18,681		21,434		21,888		22,640		22,726		23,073		23,271		23,324		22,490
2013		—		—		20,077		23,576		24,765		24,918		25,718		25,843		26,035		26,019
2014		—		—		—		22,744		25,727		27,076		27,443		28,281		28,765		29,239
2015		—		—		—		—		23,401		27,171		28,933		29,598		29,795		30,120
2016		—		—		—		—		—		29,009		35,845		37,307		38,108		37,833
2017		—		—		—		—		—		—		31,033		37,050		38,331		39,738
2018		—		—		—		—		—		—		—		34,358		40,213		41,479
2019		—		—		—		—		—		—		—		—		42,414		48,414
2020		—		—		—		—		—		—		—		—		—		35,495
																		Total	$	334,612
				All outstanding liabilities prior to 2011, net of reinsurance																14
	Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																		$	19,899

⁽¹⁾ Prior years unaudited

Table of Contents

Non-Standard Auto (Primero)	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,																				At December 31, 2020
Accident Year	2011 ⁽¹⁾		2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020		Total IBNR Plus Expected Development on Reported Claims		Cumulative Number of Reported Claims
(in thousands, except claim counts)
2011	$	8,129	$	8,173	$	8,178	$	8,191	$	8,168	$	8,168	$	8,168	$	8,178	$	8,178	$	8,178		—		1,939
2012		—		8,749		8,491		8,369		8,361		8,302		8,312		8,324		8,324		8,323		—		2,048
2013		—		—		11,063		10,823		10,800		10,804		10,843		10,833		10,828		10,844		—		2,617
2014		—		—		—		7,297		7,619		7,591		7,577		7,612		7,625		7,606		—		1,838
2015		—		—		—		—		9,727		9,806		9,655		9,691		9,641		9,622		—		1,793
2016		—		—		—		—		—		9,967		10,048		10,054		10,033		10,008		9		1,740
2017		—		—		—		—		—		—		8,722		8,654		8,556		8,541		18		1,460
2018		—		—		—		—		—		—		—		10,445		11,804		11,763		40		1,791
2019		—		—		—		—		—		—		—		—		12,264		11,391		163		1,490
2020		—		—		—		—		—		—		—		—		—		9,018		992		899
																		Total	$	95,294

⁽¹⁾ Prior years unaudited

Non-Standard Auto (Primero)	Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,
Accident Year	2011 ⁽¹⁾		2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020
2011	$	4,457	$	7,445	$	7,984	$	8,146	$	8,168	$	8,168	$	8,168	$	8,178	$	8,178		8,178
2012		—		4,377		7,522		7,983		8,276		8,302		8,312		8,324		8,324		8,323
2013		—		—		6,320		9,675		10,508		10,717		10,805		10,815		10,818		10,844
2014		—		—		—		3,733		6,707		7,423		7,521		7,579		7,605		7,606
2015		—		—		—		—		5,335		8,685		9,479		9,557		9,620		9,622
2016		—		—		—		—		—		5,409		8,882		9,790		9,912		9,974
2017		—		—		—		—		—		—		4,348		7,660		8,204		8,460
2018		—		—		—		—		—		—		—		5,492		10,536		11,616
2019		—		—		—		—		—		—		—		—		6,309		10,007
2020		—		—		—		—		—		—		—		—		—		4,111
																		Total	$	88,741
				All outstanding liabilities prior to 2011, net of reinsurance																—
	Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																		$	6,553

⁽¹⁾ Prior years unaudited

Table of Contents

Non-Standard Auto (Direct Auto)	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,																				At December 31, 2020
Accident Year	2011 ⁽¹⁾		2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016 ⁽¹⁾		2017 ⁽¹⁾		2018		2019		2020		Total IBNR Plus Expected Development on Reported Claims			Cumulative Number of Reported Claims
(in thousands, except claim counts)
2011	$	5,296	$	3,313	$	3,134	$	2,937	$	2,902	$	2,854	$	2,874	$	3,003	$	2,983	$	2,984		13			2,910
2012		—		7,164		4,159		3,927		3,916		4,215		4,643		4,909		4,930		5,009		27			3,357
2013		—		—		10,596		6,020		5,869		5,261		5,278		5,160		5,049		5,131		18			3,372
2014		—		—		—		14,010		9,068		6,224		8,381		6,745		6,476		6,672		54			4,788
2015		—		—		—		—		17,917		14,498		13,043		10,538		10,704		10,945		(219	)		9,083
2016		—		—		—		—		—		20,547		14,660		13,552		13,956		12,876		(282	)		11,159
2017		—		—		—		—		—		—		23,376		18,621		15,858		14,648		(2,938	)		11,671
2018		—		—		—		—		—		—		—		25,791		22,662		21,980		(501	)		15,523
2019		—		—		—		—		—		—		—		—		24,932		25,473		(1,678	)		10,610
2020		—		—		—		—		—		—		—		—		—		24,036		(3,092	)		12,902
																		Total	$	129,754

⁽¹⁾ Prior years unaudited

Non-Standard Auto (Direct Auto)	Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,
Accident Year	2011 ⁽¹⁾		2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016 ⁽¹⁾		2017 ⁽¹⁾		2018		2019		2020
2011	$	1,290	$	1,890	$	2,342	$	2,590	$	2,761	$	2,830	$	2,851	$	2,925	$	2,937	$	2,939
2012		—		1,696		2,421		3,041		3,587		4,081		4,503		4,671		4,730		4,915
2013		—		—		1,944		3,123		3,796		4,291		4,602		4,808		4,890		4,960
2014		—		—		—		2,201		3,573		4,452		5,369		5,781		6,151		6,327
2015		—		—		—		—		2,967		5,202		7,057		8,327		9,560		10,057
2016		—		—		—		—		—		3,526		6,272		8,559		10,603		11,058
2017		—		—		—		—		—		—		4,385		6,981		10,034		11,366
2018		—		—		—		—		—		—		—		6,034		12,285		15,204
2019		—		—		—		—		—		—		—		—		10,203		16,214
2020		—		—		—		—		—		—		—		—		—		9,964
																		Total	$	93,004
				All outstanding liabilities prior to 2011, net of reinsurance																33
	Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																		$	36,783

⁽¹⁾ Prior years unaudited

Table of Contents

Home and Farm	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,																				At December 31, 2020
Accident Year	2011 ⁽¹⁾		2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020		Total IBNR Plus Expected Development on Reported Claims		Cumulative Number of Reported Claims
(in thousands, except claim counts)
2011	$	31,948	$	32,104	$	32,113	$	31,771	$	31,684	$	31,388	$	31,306	$	31,313	$	31,312	$	31,325		—		5,946
2012		—		25,179		24,439		24,320		24,091		24,081		24,079		24,088		24,086		24,324		—		3,631
2013		—		—		29,976		29,217		28,531		28,315		28,286		28,315		27,593		27,588		—		4,189
2014		—		—		—		36,663		36,001		35,770		35,589		35,684		35,534		35,497		12		5,241
2015		—		—		—		—		32,789		31,818		31,297		31,577		31,446		31,612		15		3,923
2016		—		—		—		—		—		45,825		44,510		44,945		44,602		44,728		91		6,346
2017		—		—		—		—		—		—		42,110		41,593		41,886		41,779		204		4,932
2018		—		—		—		—		—		—		—		42,515		43,846		43,747		323		4,561
2019		—		—		—		—		—		—		—		—		45,438		45,828		911		5,426
2020		—		—		—		—		—		—		—		—		—		36,264		2,416		3,721
																		Total	$	362,692

⁽¹⁾ Prior years unaudited

Home and Farm	Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,
Accident Year	2011 ⁽¹⁾		2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020
2011	$	29,399	$	33,019	$	31,126	$	31,460	$	31,702	$	31,277	$	31,304	$	31,313	$	31,312	$	31,325
2012		—		21,761		23,863		24,029		24,168		24,075		24,076		24,087		24,086		24,324
2013		—		—		23,354		26,934		27,183		27,221		27,456		27,495		27,560		27,583
2014		—		—		—		32,207		35,199		35,219		35,371		35,481		35,482		35,485
2015		—		—		—		—		27,204		30,164		30,350		30,573		31,383		31,597
2016		—		—		—		—		—		37,656		44,942		44,270		44,530		44,583
2017		—		—		—		—		—		—		34,657		38,928		40,442		40,941
2018		—		—		—		—		—		—		—		37,881		42,814		43,178
2019		—		—		—		—		—		—		—		—		38,709		43,253
2020		—		—		—		—		—		—		—		—		—		29,274
																		Total	$	351,543
				All outstanding liabilities prior to 2011, net of reinsurance																—
	Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																		$	11,149

⁽¹⁾ Prior years unaudited

100

Table of Contents

Crop	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,																				At December 31, 2020
Accident Year	2011 ⁽¹⁾		2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020		Total IBNR Plus Expected Development on Reported Claims		Cumulative Number of Reported Claims
(in thousands, except claim counts)
2011	$	55,094	$	54,953	$	59,651	$	59,651	$	59,651	$	59,651	$	59,651	$	59,651	$	59,651	$	59,651	$	—		3,211
2012		—		13,546		13,676		13,673		13,673		13,673		13,673		13,673		13,673		13,673		—		2,137
2013		—		—		40,976		39,665		39,665		39,665		39,665		39,665		39,665		39,665		—		2,097
2014		—		—		—		22,686		20,333		20,333		20,333		20,333		20,333		20,333		—		2,268
2015		—		—		—		—		13,813		13,849		13,849		13,849		13,849		13,849		—		2,427
2016		—		—		—		—		—		20,209		19,582		19,487		19,487		19,487		—		2,806
2017		—		—		—		—		—		—		33,733		34,181		34,181		34,181		—		2,968
2018		—		—		—		—		—		—		—		12,506		11,730		11,730		—		2,147
2019		—		—		—		—		—		—		—		—		33,913		37,629		—		3,101
2020		—		—		—		—		—		—		—		—		—		28,688		22		2,339
																		Total	$	278,886

⁽¹⁾ Prior years unaudited

Crop	Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,
Accident Year	2011 ⁽¹⁾		2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020
2011	$	57,741	$	59,651	$	59,651	$	59,651	$	59,651	$	59,651	$	59,651	$	59,651	$	59,651	$	59,651
2012		—		13,078		13,673		13,673		13,673		13,673		13,673		13,673		13,673		13,673
2013		—		—		35,511		39,665		39,665		39,665		39,665		39,665		39,665		39,665
2014		—		—		—		17,788		20,333		20,333		20,333		20,333		20,333		20,333
2015		—		—		—		—		12,866		13,849		13,849		13,849		13,849		13,849
2016		—		—		—		—		—		16,444		19,487		19,487		19,487		19,487
2017		—		—		—		—		—		—		32,767		34,181		34,181		34,181
2018		—		—		—		—		—		—		—		10,764		11,730		11,730
2019		—		—		—		—		—		—		—		—		26,332		37,629
2020		—		—		—		—		—		—		—		—		—		28,038
																		Total	$	278,236
				All outstanding liabilities prior to 2010, net of reinsurance																—
	Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																		$	650

⁽¹⁾ Prior years unaudited

101

Table of Contents

Commercial (Westminster)	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,																				At December 31, 2020
Accident Year	2011 ⁽¹⁾		2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016 ⁽¹⁾		2017 ⁽¹⁾		2018 ⁽¹⁾		2019 ⁽¹⁾		2020		Total IBNR Plus Expected Development on Reported Claims		Cumulative Number of Reported Claims
(in thousands, except claim counts)
2011	$	1,911	$	1,740	$	1,758	$	1,828	$	1,827	$	1,821	$	1,821	$	1,821	$	1,821	$	1,848		—		137
2012		—		2,795		2,492		2,539		2,583		2,666		2,680		2,680		2,680		2,680		—		133
2013		—		—		2,214		1,982		2,000		1,935		2,058		2,053		2,037		2,036		—		138
2014		—		—		—		4,385		4,274		4,286		4,428		4,450		4,443		4,445		10		272
2015		—		—		—		—		3,082		3,258		4,019		4,218		4,293		4,238		2		278
2016		—		—		—		—		—		4,661		5,719		6,200		6,091		6,248		36		264
2017		—		—		—		—		—		—		5,552		6,249		6,838		7,347		251		320
2018		—		—		—		—		—		—		—		10,358		11,177		12,414		628		476
2019		—		—		—		—		—		—		—		—		11,658		13,051		1,269		399
2020		—		—		—		—		—		—		—		—		—		14,774		3,043		390
																		Total	$	69,081

⁽¹⁾ Prior years unaudited

Commercial (Westminster)	Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,
Accident Year	2011 ⁽¹⁾		2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016 ⁽¹⁾		2017 ⁽¹⁾		2018 ⁽¹⁾		2019 ⁽¹⁾		2020
2011	$	1,496	$	1,718	$	1,745	$	1,758	$	1,781	$	1,821	$	1,821	$	1,821	$	1,821	$	1,848
2012		—		1,634		2,364		2,442		2,537		2,591		2,680		2,680		2,680		2,680
2013		—		—		1,494		1,727		1,829		1,889		1,949		2,035		2,036		2,036
2014		—		—		—		3,330		3,921		4,151		4,269		4,395		4,403		4,410
2015		—		—		—		—		2,126		2,794		3,332		3,950		4,206		4,231
2016		—		—		—		—		—		3,172		5,289		5,630		5,693		6,112
2017		—		—		—		—		—		—		3,573		4,927		5,865		6,576
2018		—		—		—		—		—		—		—		6,494		9,472		10,591
2019		—		—		—		—		—		—		—		—		6,294		9,925
2020		—		—		—		—		—		—		—		—		—		8,146
																		Total	$	56,555
				All outstanding liabilities prior to 2011, net of reinsurance																—
	Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																		$	12,526

⁽¹⁾ Prior years unaudited

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Commercial (non-Westminster)	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,																				At December 31, 2020
Accident Year	2011 ⁽¹⁾		2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020		Total IBNR Plus Expected Development on Reported Claims		Cumulative Number of Reported Claims
(in thousands, except claim counts)
2011	$	1,937	$	1,444	$	1,414	$	1,407	$	1,429	$	1,450	$	1,433	$	1,433	$	1,433	$	1,433	$	—		220
2012		—		1,600		1,125		1,001		988		985		970		969		969		970		—		142
2013		—		—		2,690		2,637		2,566		2,548		2,508		2,511		2,511		2,511		—		227
2014		—		—		—		2,180		1,732		1,694		1,675		1,650		1,650		1,650		—		163
2015		—		—		—		—		1,695		1,643		1,637		1,582		1,580		1,580		—		135
2016		—		—		—		—		—		2,683		2,526		2,515		2,516		2,512		—		288
2017		—		—		—		—		—		—		2,530		2,513		2,510		2,497		—		167
2018		—		—		—		—		—		—		—		1,652		1,576		1,609		109		147
2019		—		—		—		—		—		—		—		—		2,607		2,782		15		187
2020		—		—		—		—		—		—		—		—		—		2,293		250		116
																		Total	$	19,837

⁽¹⁾ Prior years unaudited

Commercial (non-Westminster)	Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,
Accident Year	2011 ⁽¹⁾		2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020
2011	$	1,054	$	1,357	$	1,322	$	1,374	$	1,393	$	1,428	$	1,433	$	1,433	$	1,433	$	1,433
2012		—		776		932		985		969		969		970		969		969		970
2013		—		—		2,520		2,751		2,530		2,504		2,508		2,511		2,511		2,511
2014		—		—		—		1,782		1,925		1,563		1,640		1,650		1,650		1,650
2015		—		—		—		—		1,274		1,796		1,818		1,580		1,580		1,580
2016		—		—		—		—		—		1,822		2,806		2,498		2,512		2,512
2017		—		—		—		—		—		—		1,530		2,465		2,497		2,497
2018		—		—		—		—		—		—		—		1,049		1,213		1,240
2019		—		—		—		—		—		—		—		—		1,917		2,712
2020		—		—		—		—		—		—		—		—		—		1,543
																		Total	$	18,648
				All outstanding liabilities prior to 2011, net of reinsurance																—
	Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																		$	1,189

⁽¹⁾ Prior years unaudited

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The following table presents a reconciliation of the net incurred and paid claims development tables to the liability for unpaid losses and loss adjustment expenses in our Consolidated Balance Sheet:

	December 31, 2020
Liabilities for unpaid losses and loss adjustment expenses:
Private passenger auto	$	20,311
Non-standard auto (Primero)		6,553
Non-standard auto (Direct Auto)		36,783
Home and farm		11,737
Crop		771
Commercial (Westminster)		17,900
Commercial (non-Westminster)		1,189
All other		10,506
Total liabilities for unpaid losses and loss adjustment expenses		105,750

Reinsurance recoverables on losses:
Private passenger auto		412
Non-standard auto (Primero)		—
Non-standard auto (Direct Auto)		—
Home and farm		588
Crop		121
Commercial (Westminster)		5,374
Commercial (non-Westminster)		—
All other		2,215
Total reinsurance recoverables on losses		8,710

Net liability for unpaid losses and loss adjustment expenses	$	97,040

The following table presents required supplementary information about average historical claims duration as of December 31, 2020:

	Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
Years	1		2		3		4		5		6		7		8		9		10
Private Passenger Auto		50.0%		19.2%		12.3%		6.7%		4.9%		3.3%		1.7%		1.4%		0.5%		—
Non-Standard Auto (Primero)		78.4%		16.3%		3.9%		1.0%		0.2%		0.1%		0.1%		—		—		—
Non-Standard Auto (Direct Auto)		34.5%		23.6%		16.2%		10.2%		6.4%		3.6%		2.4%		1.5%		0.8%		0.8%
Home and Farm		52.6%		8.2%		9.5%		5.1%		1.7%		1.9%		7.2%		5.8%		8.0%		—
Crop		100.0%		—		—		—		—		—		—		—		—		—
Commercial (Westminster)		57.5%		23.1%		6.5%		9.4%		3.5%		—		—		—		—		—
Commercial (non-Westminster)		68.2%		13.2%		6.6%		4.0%		1.2%		1.5%		1.4%		0.9%		0.9%		2.2%