Unpaid Losses and Loss Adjustment Expenses (Tables)

12 Months Ended

Dec. 31, 2021

Liability for Unpaid Claims and Claims Adjustment Expense, Activity in Liability [Abstract]

Schedule of Activity in the liability for unpaid losses and loss adjustment expenses

Activity in the liability for unpaid losses and LAE is summarized as follows:

	Year Ended December 31,
	2021			2020		2019
Balance at beginning of year:
Liability for unpaid losses and LAE	$	105,750		$	93,250	$	87,121
Reinsurance recoverables on losses		8,710			4,045		2,232
Net balance at beginning of year		97,040			89,205		84,889

Acquired unpaid losses and LAE related to:
Current year		-			-		-
Prior years		-			8,568		-
Total acquired		-			8,568		-

Incurred related to:
Current year		220,517			165,181		176,219
Prior years		(4,138	)		3,292		(6,509	)
Total incurred		216,379			168,473		169,710

Paid related to:
Current year		150,278			116,755		125,940
Prior years		44,679			52,451		39,454
Total paid		194,957			169,206		165,394

Balance at end of year:
Liability for unpaid losses and LAE		139,662			105,750		93,250
Reinsurance recoverables on losses		21,200			8,710		4,045
Net balance at end of year	$	118,462		$	97,040	$	89,205

Schedule of Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance

The tables include unaudited information about incurred and paid claims development (a) for the years ended December 31, 2012 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, 2021
Accident Year		2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020		2021			Total IBNR Plus Expected Development on Reported Claims		Cumulative Number of Reported Claims
(in thousands, except claim counts)
2012		$	26,962	$	24,787	$	24,323	$	24,098	$	24,133	$	23,298	$	23,621	$	23,651	$	22,523		$	22,570	$	5		9,727
2013			—		29,079		27,840		27,363		27,334		26,014		26,138		26,105		26,077			26,096		11		10,826
2014			—		—		32,548		31,349		30,427		29,099		29,144		29,298		29,479			29,423		16		11,745
2015			—		—		—		32,438		31,532		30,461		30,503		30,679		30,455			30,379		24		11,688
2016			—		—		—		—		40,227		39,260		39,057		39,314		38,535			38,416		93		14,325
2017			—		—		—		—		—		40,779		40,199		40,120		40,427			40,488		159		13,753
2018			—		—		—		—		—		—		44,925		43,428		43,641			43,575		353		14,675
2019			—		—		—		—		—		—		—		53,769		53,328			53,364		881		16,540
2020			—		—		—		—		—		—		—		—		46,247			48,519		1,546		13,541
2021			—		—		—		—		—		—		—		—		—			57,316		3,819		14,064
																			Total		$	390,146

⁽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	2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020		2021
2012	$	18,681	$	21,434	$	21,888	$	22,640	$	22,726	$	23,073	$	23,271	$	23,324	$	22,490	$	22,555
2013		—		20,077		23,576		24,765		24,918		25,718		25,843		26,035		26,019		26,073
2014		—		—		22,744		25,727		27,076		27,443		28,281		28,765		29,239		29,407
2015		—		—		—		23,401		27,171		28,933		29,598		29,795		30,120		30,355
2016		—		—		—		—		29,009		35,845		37,307		38,108		37,833		38,173
2017		—		—		—		—		—		31,033		37,050		38,331		39,738		40,111
2018		—		—		—		—		—		—		34,358		40,213		41,479		42,820
2019		—		—		—		—		—		—		—		42,414		48,414		50,370
2020		—		—		—		—		—		—		—		—		35,495		42,585
2021		—		—		—		—		—		—		—		—		—		42,326
																		Total	$	364,775
				All outstanding liabilities prior to 2012, net of reinsurance																18
	Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																		$	25,389

⁽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, 2021
Accident Year	2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020		2021		Total IBNR Plus Expected Development on Reported Claims		Cumulative Number of Reported Claims
(in thousands, except claim counts)
2012	$	8,749	$	8,491	$	8,369	$	8,361	$	8,302	$	8,312	$	8,324	$	8,324	$	8,323	$	8,324	$	—		2,048
2013		—		11,063		10,823		10,800		10,804		10,843		10,833		10,828		10,844		10,844		—		2,617
2014		—		—		7,297		7,619		7,591		7,577		7,612		7,625		7,606		7,606		—		1,838
2015		—		—		—		9,727		9,806		9,655		9,691		9,641		9,622		9,623		—		1,793
2016		—		—		—		—		9,967		10,048		10,054		10,033		10,008		9,976		—		1,740
2017		—		—		—		—		—		8,722		8,654		8,556		8,541		8,543		9		1,460
2018		—		—		—		—		—		—		10,445		11,804		11,763		11,766		12		1,794
2019		—		—		—		—		—		—		—		12,264		11,391		11,236		58		1,502
2020		—		—		—		—		—		—		—		—		9,018		8,824		129		950
2021		—		—		—		—		—		—		—		—		—		10,073		1,006		933
																		Total	$	96,815

⁽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	2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020		2021
2012	$	4,377	$	7,522	$	7,983	$	8,276	$	8,302	$	8,312	$	8,324	$	8,324	$	8,323	$	8,324
2013		—		6,320		9,675		10,508		10,717		10,805		10,815		10,818		10,844		10,844
2014		—		—		3,733		6,707		7,423		7,521		7,579		7,605		7,606		7,606
2015		—		—		—		5,335		8,685		9,479		9,557		9,620		9,622		9,623
2016		—		—		—		—		5,409		8,882		9,790		9,912		9,974		9,976
2017		—		—		—		—		—		4,348		7,660		8,204		8,460		8,506
2018		—		—		—		—		—		—		5,492		10,536		11,616		11,730
2019		—		—		—		—		—		—		—		6,309		10,007		10,971
2020		—		—		—		—		—		—		—		—		4,111		7,645
2021		—		—		—		—		—		—		—		—		—		4,869
																		Total	$	90,094
				All outstanding liabilities prior to 2012, net of reinsurance																—
	Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																		$	6,721

⁽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, 2021
Accident Year	2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016 ⁽¹⁾		2017 ⁽¹⁾		2018		2019		2020		2021		Total IBNR Plus Expected Development on Reported Claims			Cumulative Number of Reported Claims
(in thousands, except claim counts)
2012	$	7,164	$	4,159	$	3,927	$	3,916	$	4,215	$	4,643	$	4,909	$	4,930	$	5,009	$	4,998	$	12			3,357
2013		—		10,596		6,020		5,869		5,261		5,278		5,160		5,049		5,131		5,106		22			3,373
2014		—		—		14,010		9,068		6,224		8,381		6,745		6,476		6,672		6,524		34			4,776
2015		—		—		—		17,917		14,498		13,043		10,538		10,704		10,945		10,576		92			9,057
2016		—		—		—		—		20,547		14,660		13,552		13,956		12,876		12,291		(638	)		11,137
2017		—		—		—		—		—		23,376		18,621		15,858		14,648		13,678		28			11,720
2018		—		—		—		—		—		—		25,791		22,662		21,980		20,541		(282	)		14,917
2019		—		—		—		—		—		—		—		24,932		25,473		24,574		395			10,918
2020		—		—		—		—		—		—		—		—		24,036		22,919		(2,387	)		13,623
2021		—		—		—		—		—		—		—		—		—		30,579		(4,381	)		14,784
																		Total	$	151,786

⁽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	2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016 ⁽¹⁾		2017 ⁽¹⁾		2018		2019		2020		2021
2012	$	1,696	$	2,421	$	3,041	$	3,587	$	4,081	$	4,503	$	4,671	$	4,730	$	4,915	$	4,946
2013		—		1,944		3,123		3,796		4,291		4,602		4,808		4,890		4,960		5,000
2014		—		—		2,201		3,573		4,452		5,369		5,781		6,151		6,327		6,364
2015		—		—		—		2,967		5,202		7,057		8,327		9,560		10,057		10,176
2016		—		—		—		—		3,526		6,272		8,559		10,603		11,058		11,519
2017		—		—		—		—		—		4,385		6,981		10,034		11,366		12,098
2018		—		—		—		—		—		—		6,034		12,285		15,204		16,759
2019		—		—		—		—		—		—		—		10,203		16,214		18,982
2020		—		—		—		—		—		—		—		—		9,964		15,401
2021		—		—		—		—		—		—		—		—		—		13,767
																		Total	$	115,012
				All outstanding liabilities prior to 2012, net of reinsurance																20
	Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																		$	36,794

⁽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, 2021
Accident Year	2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020		2021		Total IBNR Plus Expected Development on Reported Claims		Cumulative Number of Reported Claims
(in thousands, except claim counts)
2012	$	25,179	$	24,439	$	24,320	$	24,091	$	24,081	$	24,079	$	24,088	$	24,086	$	24,324	$	24,325	$	—		3,631
2013		—		29,976		29,217		28,531		28,315		28,286		28,315		27,593		27,588		27,595		—		4,189
2014		—		—		36,663		36,001		35,770		35,589		35,684		35,534		35,497		35,503		—		5,243
2015		—		—		—		32,789		31,818		31,297		31,577		31,446		31,612		31,600		3		3,923
2016		—		—		—		—		45,825		44,510		44,945		44,602		44,728		44,745		45		6,348
2017		—		—		—		—		—		42,110		41,593		41,886		41,779		41,804		109		4,943
2018		—		—		—		—		—		—		42,515		43,846		43,747		43,682		107		4,580
2019		—		—		—		—		—		—		—		45,438		45,828		45,471		375		5,483
2020		—		—		—		—		—		—		—		—		36,264		35,668		674		4,070
2021		—		—		—		—		—		—		—		—		—		53,079		4,413		4,837
																		Total	$	383,472

⁽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	2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020		2021
2012	$	21,761	$	23,863	$	24,029	$	24,168	$	24,075	$	24,076	$	24,087	$	24,086	$	24,324	$	24,325
2013		—		23,354		26,934		27,183		27,221		27,456		27,495		27,560		27,583		27,590
2014		—		—		32,207		35,199		35,219		35,371		35,481		35,482		35,485		35,503
2015		—		—		—		27,204		30,164		30,350		30,573		31,383		31,597		31,597
2016		—		—		—		—		37,656		44,942		44,270		44,530		44,583		44,650
2017		—		—		—		—		—		34,657		38,928		40,442		40,941		41,414
2018		—		—		—		—		—		—		37,881		42,814		43,178		43,549
2019		—		—		—		—		—		—		—		38,709		43,253		44,119
2020		—		—		—		—		—		—		—		—		29,274		33,988
2021		—		—		—		—		—		—		—		—		—		41,043
																		Total	$	367,778
				All outstanding liabilities prior to 2012, net of reinsurance																—
	Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																		$	15,694

⁽¹⁾ Prior years unaudited

Table of Contents

Crop	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,																				At December 31, 2021
Accident Year	2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020		2021		Total IBNR Plus Expected Development on Reported Claims		Cumulative Number of Reported Claims
(in thousands, except claim counts)
2012	$	13,546	$	13,676	$	13,673	$	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		39,665		—		2,097
2014		—		—		22,686		20,333		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		13,849		—		2,427
2016		—		—		—		—		20,209		19,582		19,487		19,487		19,487		19,487		—		2,806
2017		—		—		—		—		—		33,733		34,181		34,181		34,181		34,181		—		2,968
2018		—		—		—		—		—		—		12,506		11,730		11,730		11,730		—		2,147
2019		—		—		—		—		—		—		—		33,913		37,629		37,629		—		3,101
2020		—		—		—		—		—		—		—		—		28,688		28,759		—		2,442
2021		—		—		—		—		—		—		—		—		—		28,574		314		2,620
																		Total	$	247,880

⁽¹⁾ Prior years unaudited

Crop	Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,
Accident Year	2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020		2021
2012	$	13,078	$	13,673	$	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		39,665
2014		—		—		17,788		20,333		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		13,849
2016		—		—		—		—		16,444		19,487		19,487		19,487		19,487		19,487
2017		—		—		—		—		—		32,767		34,181		34,181		34,181		34,181
2018		—		—		—		—		—		—		10,764		11,730		11,730		11,730
2019		—		—		—		—		—		—		—		26,332		37,629		37,629
2020		—		—		—		—		—		—		—		—		28,038		28,759
2021		—		—		—		—		—		—		—		—		—		29,525
																		Total	$	248,831
				All outstanding liabilities prior to 2012, net of reinsurance																—
	Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																		$	(951)

⁽¹⁾ Prior years unaudited

Table of Contents

Commercial (Westminster)	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,																				At December 31, 2021
Accident Year	2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016 ⁽¹⁾		2017 ⁽¹⁾		2018 ⁽¹⁾		2019 ⁽¹⁾		2020		2021		Total IBNR Plus Expected Development on Reported Claims		Cumulative Number of Reported Claims
(in thousands, except claim counts)
2012	$	2,795	$	2,492	$	2,539	$	2,583	$	2,666	$	2,680	$	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		2,036		—		138
2014		—		—		4,385		4,274		4,286		4,428		4,450		4,443		4,445		4,443		—		272
2015		—		—		—		3,082		3,258		4,019		4,218		4,293		4,238		4,294		7		278
2016		—		—		—		—		4,661		5,719		6,200		6,091		6,248		6,354		16		264
2017		—		—		—		—		—		5,552		6,249		6,838		7,347		7,905		249		320
2018		—		—		—		—		—		—		10,358		11,177		12,414		12,769		378		479
2019		—		—		—		—		—		—		—		11,658		13,051		14,564		1,659		415
2020		—		—		—		—		—		—		—		—		14,774		14,063		1,944		465
2021		—		—		—		—		—		—		—		—		—		30,911		5,437		520
																		Total	$	100,019

⁽¹⁾ Prior years unaudited

Commercial (Westminster)	Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,
Accident Year	2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016 ⁽¹⁾		2017 ⁽¹⁾		2018 ⁽¹⁾		2019 ⁽¹⁾		2020		2021
2012	$	1,634	$	2,364	$	2,442	$	2,537	$	2,591	$	2,680	$	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		2,036
2014		—		—		3,330		3,921		4,151		4,269		4,395		4,403		4,410		4,443
2015		—		—		—		2,126		2,794		3,332		3,950		4,206		4,231		4,287
2016		—		—		—		—		3,172		5,289		5,630		5,693		6,112		6,338
2017		—		—		—		—		—		3,573		4,927		5,865		6,576		7,206
2018		—		—		—		—		—		—		6,494		9,472		10,591		11,911
2019		—		—		—		—		—		—		—		6,294		9,925		11,056
2020		—		—		—		—		—		—		—		—		8,146		10,853
2021		—		—		—		—		—		—		—		—		—		16,269
																		Total	$	77,079
				All outstanding liabilities prior to 2012, net of reinsurance																—
	Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																		$	22,940

⁽¹⁾ Prior years unaudited

Table of Contents

Commercial (non-Westminster)	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance For the Year Ended December 31,																				At December 31, 2021
Accident Year	2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020		2021		Total IBNR Plus Expected Development on Reported Claims		Cumulative Number of Reported Claims
(in thousands, except claim counts)
2012	$	1,600	$	1,125	$	1,001	$	988	$	985	$	970	$	969	$	969	$	970	$	969	$	—		142
2013		—		2,690		2,637		2,566		2,548		2,508		2,511		2,511		2,511		2,511		—		227
2014		—		—		2,180		1,732		1,694		1,675		1,650		1,650		1,650		1,650		—		163
2015		—		—		—		1,695		1,643		1,637		1,582		1,580		1,580		1,580		—		135
2016		—		—		—		—		2,683		2,526		2,515		2,516		2,512		2,512		—		288
2017		—		—		—		—		—		2,530		2,513		2,510		2,497		2,494		—		167
2018		—		—		—		—		—		—		1,652		1,576		1,609		1,555		1		147
2019		—		—		—		—		—		—		—		2,607		2,782		2,777		15		189
2020		—		—		—		—		—		—		—		—		2,293		2,054		29		129
2021		—		—		—		—		—		—		—		—		—		2,726		220		177
																		Total	$	20,828

⁽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	2012 ⁽¹⁾		2013 ⁽¹⁾		2014 ⁽¹⁾		2015 ⁽¹⁾		2016		2017		2018		2019		2020		2021
2012	$	776	$	932	$	985	$	969	$	969	$	970	$	969	$	969	$	970	$	969
2013		—		2,520		2,751		2,530		2,504		2,508		2,511		2,511		2,511		2,511
2014		—		—		1,782		1,925		1,563		1,640		1,650		1,650		1,650		1,650
2015		—		—		—		1,274		1,796		1,818		1,580		1,580		1,580		1,580
2016		—		—		—		—		1,822		2,806		2,498		2,512		2,512		2,512
2017		—		—		—		—		—		1,530		2,465		2,497		2,497		2,494
2018		—		—		—		—		—		—		1,049		1,213		1,240		1,554
2019		—		—		—		—		—		—		—		1,917		2,712		2,717
2020		—		—		—		—		—		—		—		—		1,543		1,892
2021		—		—		—		—		—		—		—		—		—		1,687
																		Total	$	19,566
				All outstanding liabilities prior to 2012, net of reinsurance																—
	Liabilities for Unpaid Losses and Loss Adjustment Expenses, net of reinsurance																		$	1,262

⁽¹⁾ Prior years unaudited

Schedule of reconciliation of the net incurred and paid claims development

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, 2021
Liabilities for unpaid losses and loss adjustment expenses:
Private passenger auto	$	26,390
Non-standard auto (Primero)		6,721
Non-standard auto (Direct Auto)		36,794
Home and farm		19,161
Crop		6,002
Commercial (Westminster)		31,662
Commercial (non-Westminster)		1,262
All other		11,670
Total liabilities for unpaid losses and loss adjustment expenses		139,662

Reinsurance recoverables on losses:
Private passenger auto		1,001
Non-standard auto (Primero)		-
Non-standard auto (Direct Auto)		-
Home and farm		3,467
Crop		6,953
Commercial (Westminster)		8,722
Commercial (non-Westminster)		-
All other		1,057
Total reinsurance recoverables on losses		21,200

Net liability for unpaid losses and loss adjustment expenses	$	118,462

Schedule of required supplementary information about average historical claims duration

The following table presents required supplementary information about average historical claims duration as of December 31, 2021:

	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		54.4%		20.4%		10.6%		5.9%		4.7%		3.2%		0.8%		—		—		—
Non-Standard Auto (Primero)		78.2%		16.6%		3.8%		0.9%		0.2%		0.2%		0.1%		—		—		—
Non-Standard Auto (Direct Auto)		35.4%		25.1%		16.2%		9.9%		6.1%		2.9%		2.1%		1.5%		0.6%		0.2%
Home and Farm		68.1%		14.5%		9.4%		4.9%		2.4%		0.5%		0.2%		—		—		—
Crop		100.0%		—		—		—		—		—		—		—		—		—
Commercial (Westminster)		70.4%		23.6%		6.0%		—		—		—		—		—		—		—
Commercial (non-Westminster)		87.3%		3.7%		2.6%		3.0%		2.9%		0.5%		—		—		—		—