Claim, Claim Adjustment Expense and Future Policy Benefit Reserves (Tables)

12 Months Ended

Dec. 31, 2021

Short-duration Insurance Contracts, Net Incurred Claim and Claim Adjustment Expenses [Line Items]

Short-duration insurance contracts, reconciliation of claims development to liability

The table below reconciles the net liability for unpaid claim and claim adjustment expenses to the amount presented on the Consolidated Balance Sheets.

As of December 31
(In millions)	2021
Net liability for unpaid claim and claim adjustment expenses:
Specialty	$	5,265
Commercial	8,065
International	1,940
Life & Group (1)	3,641
Corporate & Other	294
Total net claim and claim adjustment expenses	19,205
Reinsurance receivables: (2)
Specialty	1,168
Commercial	825
International	340
Life & Group	113
Corporate & Other (3)	2,523
Total reinsurance receivables	4,969
Total gross liability for unpaid claim and claim adjustment expenses	$	24,174

(1) The Life & Group segment amounts are primarily related to long term care claim reserves, but also include amounts related to unfunded structured settlements arising from short-duration contracts. Long term care policies are long-duration contracts.

(2) Reinsurance receivables presented are gross of the allowance for uncollectible reinsurance and do not include reinsurance receivables related to paid losses.

(3) The Corporate & Other Reinsurance receivables are primarily related to A&EP claims covered under the Loss Portfolio Transfer (LPT).

Schedule of liability for unpaid claims and claims adjustment expense

The following table presents a reconciliation between beginning and ending claim and claim adjustment expense reserves, including claim and claim adjustment expense reserves of the Life & Group segment.

As of or for the years ended December 31
(In millions)	2021		2020		2019
Reserves, beginning of year:
Gross	$	22,706	$	21,720	$	21,984
Ceded	4,005		3,835		4,019
Net reserves, beginning of year	18,701		17,885		17,965
Reduction of net reserves due to Excess Workers' Compensation Loss Portfolio Transfer	(632)		—		—
Net incurred claim and claim adjustment expenses:
Provision for insured events of current year	5,970		5,793		5,356
Increase (decrease) in provision for insured events of prior years	(104)		(119)		(127)
Amortization of discount	174		183		184
Total net incurred (1)	6,040		5,857		5,413
Net payments attributable to:
Current year events	(1,014)		(948)		(992)
Prior year events	(3,830)		(4,216)		(4,584)
Total net payments	(4,844)		(5,164)		(5,576)
Foreign currency translation adjustment and other	(60)		123		83
Net reserves, end of year	19,205		18,701		17,885
Ceded reserves, end of year	4,969		4,005		3,835
Gross reserves, end of year	$	24,174	$	22,706	$	21,720

(1) Total net incurred above does not agree to Insurance claims and policyholders' benefits as reflected on the Consolidated Statements of Operations due to amounts related to retroactive reinsurance deferred gain accounting, the loss on the Excess Workers' Compensation LPT, uncollectible reinsurance and benefit expenses related to future policy benefits, which are not reflected in the table above.

Gross and net carried claim and claim adjustment expense reserves

The following tables present the gross and net carried reserves.

December 31, 2021	Specialty		Commercial		International		Life & Group		Corporate & Other		Total
(In millions)
Gross Case Reserves	$	1,578	$	3,184	$	859	$	3,383	$	1,551	$	10,555
Gross IBNR Reserves	4,855		5,706		1,421		371		1,266		13,619
Total Gross Carried Claim and Claim Adjustment Expense Reserves	$	6,433	$	8,890	$	2,280	$	3,754	$	2,817	$	24,174
Net Case Reserves	$	1,338	$	2,850	$	744	$	3,291	$	146	$	8,369
Net IBNR Reserves	3,927		5,215		1,196		350		148		10,836
Total Net Carried Claim and Claim Adjustment Expense Reserves	$	5,265	$	8,065	$	1,940	$	3,641	$	294	$	19,205

December 31, 2020	Specialty		Commercial		International		Life & Group		Corporate & Other		Total
(In millions)
Gross Case Reserves	$	1,567	$	3,215	$	892	$	3,406	$	1,614	$	10,694
Gross IBNR Reserves	4,181		5,035		1,199		337		1,260		12,012
Total Gross Carried Claim and Claim Adjustment Expense Reserves	$	5,748	$	8,250	$	2,091	$	3,743	$	2,874	$	22,706
Net Case Reserves	$	1,410	$	2,885	$	777	$	3,298	$	560	$	8,930
Net IBNR Reserves	3,488		4,590		1,045		317		331		9,771
Total Net Carried Claim and Claim Adjustment Expense Reserves	$	4,898	$	7,475	$	1,822	$	3,615	$	891	$	18,701

Net prior year development

The following table presents development recorded for the Specialty, Commercial, International and Corporate & Other segments.

Years ended December 31
(In millions)	2021		2020		2019
Pretax (favorable) unfavorable development:
Specialty	$	(45)	$	(61)	$	(92)
Commercial	(6)		(7)		(40)
International	2		(2)		21
Corporate & Other	60		50		38
Total pretax (favorable) unfavorable development	$	11	$	(20)	$	(73)

Impact of loss portfolio transfer on the consolidated statement of operations

The following table presents the impact of the Loss Portfolio Transfer on the Consolidated Statements of Operations.

Years ended December 31
(In millions)	2021		2020		2019
Additional amounts ceded under LPT:
Net A&EP adverse development before consideration of LPT	$	143	$	125	$	150
Provision for uncollectible third-party reinsurance on A&EP	(5)		(25)		(25)
Total additional amounts ceded under LPT	138		100		125
Retroactive reinsurance benefit recognized	(107)		(94)		(107)
Pretax impact of deferred retroactive reinsurance	$	31	$	6	$	18

Specialty

Short-duration Insurance Contracts, Net Incurred Claim and Claim Adjustment Expenses [Line Items]

Short-duration insurance contracts, reconciliation of claims development to liability

The table below provides the line of business composition of the net liability for unpaid claim and claim adjustment expenses for the Specialty segment.

As of December 31
(In millions)	2021
Net liability for unpaid claim and claim adjustment expenses:
Medical Professional Liability	$	1,556
Other Professional Liability and Management Liability	3,159
Surety	406
Warranty	44
Other	100
Total net liability for unpaid claim and claim adjustment expenses	$	5,265

Net prior year claim and allocated claim adjustment expense reserve development

The following table presents further detail of the development recorded for the Specialty segment.

Years ended December 31
(In millions)	2021		2020		2019
Pretax (favorable) unfavorable development:
Medical Professional Liability	$	23	$	35	$	75
Other Professional Liability and Management Liability	24		(15)		(69)
Surety	(73)		(69)		(92)
Warranty	(14)		(7)		(15)
Other	(5)		(5)		9
Total pretax (favorable) unfavorable development	$	(45)	$	(61)	$	(92)

Commercial

Short-duration Insurance Contracts, Net Incurred Claim and Claim Adjustment Expenses [Line Items]

Short-duration insurance contracts, reconciliation of claims development to liability

The table below provides the line of business composition of the net liability for unpaid claim and claim adjustment expenses for the Commercial segment.

As of December 31
(In millions)	2021
Net Claim and claim adjustment expenses:
Commercial Auto	$	673
General Liability	2,911
Workers' Compensation	3,850
Property and Other	631
Total net liability for claim and claim adjustment expenses	$	8,065

Net prior year claim and allocated claim adjustment expense reserve development

The following table presents further detail of the development recorded for the Commercial segment.

Years ended December 31
(In millions)	2021		2020		2019
Pretax (favorable) unfavorable development:
Commercial Auto	$	53	$	33	$	(25)
General Liability	15		15		16
Workers' Compensation	(82)		(96)		(13)
Property and Other	8		41		(18)
Total pretax (favorable) unfavorable development	$	(6)	$	(7)	$	(40)

International

Short-duration Insurance Contracts, Net Incurred Claim and Claim Adjustment Expenses [Line Items]

Short-duration insurance contracts, reconciliation of claims development to liability

The table below provides the composition of the net liability for unpaid claim and claim adjustment expenses for the International segment.

As of December 31
(In millions)	2021
Net Claim and claim adjustment expenses:
International excluding Hardy	$	1,400
Hardy	540
Total net liability for claim and claim adjustment expenses	$	1,940

Net prior year claim and allocated claim adjustment expense reserve development

The following table presents further detail of the development recorded for the International segment.

Years ended December 31
(In millions)	2021		2020		2019
Pretax (favorable) unfavorable development:
Commercial	$	(35)	(2)		$	(8)
Specialty	36		3		37
Other	1		(3)		(8)
Total pretax (favorable) unfavorable development	$	2	$	(2)	$	21

(1) Effective December 31, 2021 the International lines of business were consolidated to align with domestic operations. Prior period information has been conformed to the new line of business presentation.

CNAF Consolidated

Short-duration Insurance Contracts, Net Incurred Claim and Claim Adjustment Expenses [Line Items]

Schedule of historical claims duration

The table below presents information about average historical claims duration as of December 31, 2021 and is presented as required supplementary information, which is unaudited.

Average Annual Percentage Payout of Ultimate Net Incurred Claim and Allocated Claim Adjustment Expenses in Year:
	1		2		3		4		5		6		7		8		9		10
Specialty
Medical Professional Liability	3.6	%	18.3	%	23.7	%	18.2	%	12.0	%	8.3	%	5.1	%	2.8	%	0.7	%	1.0	%
Other Professional Liability and Management Liability	6.7	%	21.9	%	21.1	%	16.7	%	9.9	%	6.4	%	4.3	%	3.5	%	1.7	%	0.5	%
Surety(1)	14.1	%	48.7	%	18.9	%	2.6	%	1.1	%	1.3	%	—	%	0.4	%	(0.8)	%	—	%
Commercial
Commercial Auto	26.7	%	23.2	%	18.0	%	13.6	%	10.1	%	3.2	%	1.5	%	0.4	%	—	%	0.3	%
General Liability	4.1	%	14.1	%	18.0	%	19.0	%	13.5	%	8.7	%	5.6	%	4.1	%	2.2	%	0.8	%
Workers' Compensation	14.7	%	21.7	%	13.9	%	9.5	%	6.4	%	2.7	%	1.1	%	1.5	%	0.4	%	0.5	%
International
International - Excluding Hardy	19.0	%	23.7	%	10.8	%	7.4	%	6.1	%	5.7	%	6.8	%	2.6	%	1.6	%	1.2	%
International - Hardy (2)	20.4	%	36.1	%	13.4	%	6.9	%	4.4	%	3.9	%	1.0	%	0.6	%	0.7	%

(1) Due to the nature of the Surety business, average annual percentage payout of ultimate net incurred claim and allocated claim adjustment expenses has been calculated using only the payouts of mature accident years presented in the loss reserve development tables.

(2) Average historical claims duration for Hardy is presented prospectively beginning with the first full year subsequent to acquisition, 2013.

Hardy | International

Short-duration Insurance Contracts, Net Incurred Claim and Claim Adjustment Expenses [Line Items]

Short-duration contracts net incurred claims and allocated claim adjustment expenses

Cumulative Net Incurred Claim and Allocated Claim Adjustment Expenses are presented in the following table.

As of December 31							Calendar Year																		As of December 31, 2021
(In millions, except reported claims data)	Net Claim and Allocated Claim Adjustment Expense Reserves at Acquisition		Net Incurred Claim and Allocated Claim Adjustment Expenses in 2012(1)(2)		Total Acquired Net Claim and Allocated Claim Adjustment Expense Reserves and 2012 Incurreds		2013(1)(2)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021			IBNR		Cumulative Number of Claims
Accident Year
2012	$	34	$	71	$	105	$	105	$	112	$	120	$	113	$	114	$	116	$	115	$	113	$	114		$	(3)	7,045
2013							132		147		139		140		142		145		146		146		144			7		7,893
2014									186		184		178		171		172		173		172		169			(6)		8,493
2015											191		181		179		180		178		180		181			(1)		9,669
2016													231		249		238		226		228		222			(1)		10,746
2017															246		256		244		246		253			8		13,029
2018																	275		306		310		316			36		14,868
2019																			224		228		223			42		10,891
2020																					215		205			87		5,963
2021																							181			128		2,244
																					Total		$	2,008		$	297

Short-duration contracts net cumulative paid claim adjustment expenses reconciliation of total liability for unpaid claim and claim adjustment expense

Cumulative Net Paid Claims and Allocated Claim Adjustment Expenses are presented in the following table.

As of December 31	Calendar Year
(In millions)	2012(1)		2013(1)(2)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021
Accident Year
2012	$	14	$	80	$	100	$	109	$	107	$	109	$	110	$	111	$	112	$	115
2013			38		102		122		128		132		135		139		140		141
2014					56		124		142		152		157		163		165		166
2015							30		99		130		146		158		166		164
2016									64		146		174		183		196		208
2017											53		152		185		207		215
2018													55		176		205		236
2019															44		104		142
2020																	28		79
2021																			13
Total																			$	1,479
Net liability for unpaid claim and allocated claim adjustment expenses for the accident years presented																			$	529
Net liability for unpaid claim and claim adjustment expenses for accident years prior to 2012																			3
Liability for unallocated claim adjustment expenses for accident years presented																			8
Total net liability for unpaid claim and claim adjustment expenses																			$	540

Short-duration contracts reserve development

Net strengthening (releases) of prior accident year reserves is presented in the following table.

For the years ended December 31	Calendar Year
(In millions)		2013(1)(2)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021		Total(3)
Accident Year
2012		$	—	$	7	$	8	$	(7)	$	1	$	2	$	(1)	$	(2)	$	1	$	9
2013				15		(8)		1		2		3		1		—		(2)		12
2014						(2)		(6)		(7)		1		1		(1)		(3)		(17)
2015								(10)		(2)		1		(2)		2		1		(10)
2016										18		(11)		(12)		2		(6)		(9)
2017												10		(12)		2		7		7
2018														31		4		6		41
2019																4		(5)		(1)
2020																		(10)		(10)

(1) Data presented for these calendar years is required supplemental information, which is unaudited.

(2) Data presented for this calendar year is post-acquisition of Hardy.

(3) The amounts included in the loss reserve development tables above are presented at the year-end 2021 foreign currency exchange rates for all periods presented to remove the effects of foreign currency exchange rate fluctuations between calendar years. The amounts included within the table on page 101 presenting the detail of the development recorded within the International segment include the impact of fluctuations in foreign currency exchange rates.

Medical Professional Liability | Specialty

Short-duration Insurance Contracts, Net Incurred Claim and Claim Adjustment Expenses [Line Items]

Short-duration contracts net incurred claims and allocated claim adjustment expenses

Cumulative Net Incurred Claim and Allocated Claim Adjustment Expenses are presented in the following table.

As of December 31	Calendar Year																				As of December 31, 2021
(In millions, except reported claims data)	2012(1)		2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021		IBNR		Cumulative Number of Claims
Accident Year
2012	$	464	$	469	$	508	$	498	$	493	$	484	$	493	$	499	$	497	$	497	$	4	17,755
2013			462		479		500		513		525		535		545		531		530		11		19,565
2014					450		489		537		530		535		529		527		524		8		19,800
2015							433		499		510		494		488		510		501		28		18,170
2016									427		487		485		499		508		510		24		16,085
2017											412		449		458		460		455		41		15,197
2018													404		429		431		448		60		14,997
2019															430		445		458		156		13,804
2020																	477		476		347		9,935
2021																			377		337		6,761
																	Total		$	4,776	$	1,016

Short-duration contracts net cumulative paid claim adjustment expenses reconciliation of total liability for unpaid claim and claim adjustment expense

Cumulative Net Paid Claims and Allocated Claim Adjustment Expenses are presented in the following table.

As of December 31	Calendar Year
(In millions)	2012(1)		2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021
Accident Year
2012	$	14	$	117	$	221	$	323	$	388	$	427	$	457	$	479	$	482	$	487
2013			17		119		255		355		414		462		495		508		512
2014					23		136		258		359		417		472		489		497
2015							22		101		230		313		384		420		444
2016									18		121		246		339		401		436
2017											19		107		235		308		355
2018													21		115		211		290
2019															17		91		183
2020																	11		61
2021																			11
																	Total		$	3,276
Net liability for unpaid claim and allocated claim adjustment expenses for the accident years presented																			$	1,500
Net liability for unpaid claim and claim adjustment expenses for accident years prior to 2012																			28
Liability for unallocated claim adjustment expenses for accident years presented																			28
Total net liability for unpaid claim and claim adjustment expenses																			$	1,556

Short-duration contracts reserve development

Net strengthening (releases) of prior accident year reserves is presented in the following table.

For the years ended December 31	Calendar Year
(In millions)	2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021		Total
Accident Year
2012	$	5	$	39	$	(10)	$	(5)	$	(9)	$	9	$	6	$	(2)	$	—	$	33
2013			17		21		13		12		10		10		(14)		(1)		68
2014					39		48		(7)		5		(6)		(2)		(3)		74
2015							66		11		(16)		(6)		22		(9)		68
2016									60		(2)		14		9		2		83
2017											37		9		2		(5)		43
2018													25		2		17		44
2019															15		13		28
2020																	(1)		(1)
Total net development for the accident years presented above													52		32		13
Total net development for accident years prior to 2012													21		3		3
Total unallocated claim adjustment expense development													2		—		7
Total													$	75	$	35	$	23

(1) Data presented for these calendar years is required supplemental information, which is unaudited.

Other Professional Liability and Management Liability | Specialty

Short-duration Insurance Contracts, Net Incurred Claim and Claim Adjustment Expenses [Line Items]

Short-duration contracts net incurred claims and allocated claim adjustment expenses

Cumulative Net Incurred Claim and Allocated Claim Adjustment Expenses are presented in the following table.

As of December 31	Calendar Year																				As of December 31, 2021
(In millions, except reported claims data)	2012(1)		2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021		IBNR		Cumulative Number of Claims
Accident Year
2012	$	923	$	909	$	887	$	878	$	840	$	846	$	833	$	831	$	850	$	848	$	18	18,506
2013			884		894		926		885		866		863		850		846		833		30		17,950
2014					878		898		885		831		835		854		845		841		37		17,577
2015							888		892		877		832		807		813		836		41		17,436
2016									901		900		900		904		907		891		84		17,968
2017											847		845		813		791		775		152		18,159
2018													850		864		869		906		202		19,926
2019															837		845		856		283		19,357
2020																	930		944		568		19,095
2021																			1,037		911		15,487
																	Total		$	8,767	$	2,326

Short-duration contracts net cumulative paid claim adjustment expenses reconciliation of total liability for unpaid claim and claim adjustment expense

Cumulative Net Paid Claims and Allocated Claim Adjustment Expenses are presented in the following table.

As of December 31	Calendar Year
(In millions)	2012(1)		2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021
Accident Year
2012	$	56	$	248	$	400	$	573	$	651	$	711	$	755	$	792	$	812	$	816
2013			54		249		447		618		702		754		771		779		787
2014					51		223		392		515		647		707		743		787
2015							60		234		404		542		612		677		725
2016									64		248		466		625		701		736
2017											57		222		394		498		557
2018													54		282		473		599
2019															64		263		422
2020																	67		248
2021																			58
																	Total		$	5,735
Net liability for unpaid claim and allocated claim adjustment expenses for the accident years presented																			$	3,032
Net liability for unpaid claim and claim adjustment expenses for accident years prior to 2012																			74
Liability for unallocated claim adjustment expenses for accident years presented																			53
Total net liability for unpaid claim and claim adjustment expenses																			$	3,159

Short-duration contracts reserve development

Net strengthening (releases) of prior accident year reserves is presented in the following table.

For the years ended December 31	Calendar Year
(In millions)	2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021		Total
Accident Year
2012	$	(14)	$	(22)	$	(9)	$	(38)	$	6	$	(13)	$	(2)	$	19	$	(2)	$	(75)
2013			10		32		(41)		(19)		(3)		(13)		(4)		(13)		(51)
2014					20		(13)		(54)		4		19		(9)		(4)		(37)
2015							4		(15)		(45)		(25)		6		23		(52)
2016									(1)		—		4		3		(16)		(10)
2017											(2)		(32)		(22)		(16)		(72)
2018													14		5		37		56
2019															8		11		19
2020																	14		14
Total net development for the accident years presented above													(35)		6		34
Total net development for accident years prior to 2012													(20)		(21)		(12)
Total unallocated claim adjustment expense development													(14)		—		2
Total													$	(69)	$	(15)	$	24

(1) Data presented for these calendar years is required supplemental information, which is unaudited.

Surety | Specialty

Short-duration Insurance Contracts, Net Incurred Claim and Claim Adjustment Expenses [Line Items]

Short-duration contracts net incurred claims and allocated claim adjustment expenses

Cumulative Net Incurred Claim and Allocated Claim Adjustment Expenses are presented in the following table.

As of December 31	Calendar Year																				As of December 31, 2021
(In millions, except reported claims data)	2012(1)		2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021		IBNR		Cumulative Number of Claims
Accident Year
2012	$	120	$	122	$	98	$	70	$	52	$	45	$	39	$	38	$	37	$	36	$	1	5,586
2013			120		121		115		106		91		87		83		82		82		2		5,088
2014					123		124		94		69		60		45		45		43		1		5,118
2015							131		131		104		79		63		58		53		9		5,055
2016									124		124		109		84		67		64		10		5,521
2017											120		115		103		84		71		9		5,795
2018													114		108		91		62		19		6,097
2019															119		112		98		44		5,816
2020																	128		119		104		4,006
2021																			137		129		2,592
																	Total		$	765	$	328

Short-duration contracts net cumulative paid claim adjustment expenses reconciliation of total liability for unpaid claim and claim adjustment expense

Cumulative Net Paid Claims and Allocated Claim Adjustment Expenses are presented in the following table.

As of December 31	Calendar Year
(In millions)	2012(1)		2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021
Accident Year
2012	$	5	$	32	$	34	$	35	$	35	$	36	$	37	$	37	$	36	$	36
2013			16		40		69		78		78		78		77		78		79
2014					7		30		38		36		38		38		39		39
2015							7		26		38		40		42		44		42
2016									5		37		45		45		43		43
2017											23		37		41		46		49
2018													5		25		34		39
2019															12		34		44
2020																	4		20
2021																			5
																	Total		$	396
Net liability for unpaid claim and allocated claim adjustment expenses for the accident years presented																			$	369
Net liability for unpaid claim and claim adjustment expenses for accident years prior to 2012																			17
Liability for unallocated claim adjustment expenses for accident years presented																			20
Total net liability for unpaid claim and claim adjustment expenses																			$	406

Short-duration contracts reserve development

Net strengthening (releases) of prior accident year reserves is presented in the following table.

For the years ended December 31	Calendar Year
(In millions)	2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021		Total
Accident Year
2012	$	2	$	(24)	$	(28)	$	(18)	$	(7)	$	(6)	$	(1)	$	(1)	$	(1)	$	(84)
2013			1		(6)		(9)		(15)		(4)		(4)		(1)		—		(38)
2014					1		(30)		(25)		(9)		(15)		—		(2)		(80)
2015							—		(27)		(25)		(16)		(5)		(5)		(78)
2016									—		(15)		(25)		(17)		(3)		(60)
2017											(5)		(12)		(19)		(13)		(49)
2018													(6)		(17)		(29)		(52)
2019															(7)		(14)		(21)
2020																	(9)		(9)
Total net development for the accident years presented above													(79)		(67)		(76)
Total net development for accident years prior to 2012													(3)		(2)		3
Total unallocated claim adjustment expense development													(10)		—		—
Total													$	(92)	$	(69)	$	(73)

(1) Data presented for these calendar years is required supplemental information, which is unaudited.

Commercial Auto | Commercial

Short-duration Insurance Contracts, Net Incurred Claim and Claim Adjustment Expenses [Line Items]

Short-duration contracts net incurred claims and allocated claim adjustment expenses

Cumulative Net Incurred Claim and Allocated Claim Adjustment Expenses are presented in the following table.

As of December 31	Calendar Year																				As of December 31, 2021
(In millions, except reported claims data)	2012(1)		2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021		IBNR		Cumulative Number of Claims
Accident Year
2012	$	275	$	289	$	299	$	303	$	307	$	299	$	299	$	297	$	296	$	295	$	1	46,288
2013			246		265		265		249		245		245		241		241		241		2		39,430
2014					234		223		212		205		205		201		201		202		2		33,628
2015							201		199		190		190		183		181		183		3		30,427
2016									198		186		186		186		190		195		3		30,449
2017											199		198		200		221		232		5		30,940
2018													229		227		227		245		8		34,292
2019															257		266		289		31		37,142
2020																	310		303		107		28,837
2021																			397		271		27,182
																	Total		$	2,582	$	433

Short-duration contracts net cumulative paid claim adjustment expenses reconciliation of total liability for unpaid claim and claim adjustment expense

Cumulative Net Paid Claims and Allocated Claim Adjustment Expenses are presented in the following table.

As of December 31	Calendar Year
(In millions)	2012(1)		2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021
Accident Year
2012	$	78	$	160	$	220	$	259	$	282	$	285	$	290	$	291	$	291	$	292
2013			74		135		168		200		225		234		238		239		239
2014					64		102		137		166		187		196		198		199
2015							52		96		130		153		172		175		178
2016									52		93		126		154		175		185
2017											58		107		150		178		203
2018													66		128		175		212
2019															77		147		203
2020																	71		134
2021																			83
																	Total		$	1,928
Net liability for unpaid claim and allocated claim adjustment expenses for the accident years presented																			$	654
Net liability for unpaid claim and claim adjustment expenses for accident years prior to 2012																			5
Liability for unallocated claim adjustment expenses for accident years presented																			14
Total net liability for unpaid claim and claim adjustment expenses																			$	673

Short-duration contracts reserve development

Net strengthening (releases) of prior accident year reserves is presented in the following table.

For the years ended December 31	Calendar Year
(In millions)	2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021		Total
Accident Year
2012	$	14	$	10	$	4	$	4	$	(8)	$	—	$	(2)	$	(1)	$	(1)	$	20
2013			19		—		(16)		(4)		—		(4)		—		—		(5)
2014					(11)		(11)		(7)		—		(4)		—		1		(32)
2015							(2)		(9)		—		(7)		(2)		2		(18)
2016									(12)		—		—		4		5		(3)
2017											(1)		2		21		11		33
2018													(2)		—		18		16
2019															9		23		32
2020																	(7)		(7)
Total net development for the accident years presented above													(17)		31		52
Total net development for accident years prior to 2012													(7)		2		1
Total unallocated claim adjustment expense development													(1)		—		—
Total													$	(25)	$	33	$	53

(1) Data presented for these calendar years is required supplemental information, which is unaudited.

General Liability | Commercial

Short-duration Insurance Contracts, Net Incurred Claim and Claim Adjustment Expenses [Line Items]

Short-duration contracts net incurred claims and allocated claim adjustment expenses

Cumulative Net Incurred Claim and Allocated Claim Adjustment Expenses are presented in the following table.

As of December 31	Calendar Year																				As of December 31, 2021
(In millions, except reported claims data)	2012(1)		2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021		IBNR		Cumulative Number of Claims
Accident Year
2012	$	587	$	611	$	639	$	636	$	619	$	635	$	635	$	630	$	632	$	632	$	20	35,313
2013			650		655		650		655		613		623		620		623		624		24		33,706
2014					653		658		654		631		635		658		659		659		28		28,064
2015							581		576		574		589		600		602		617		42		24,118
2016									623		659		667		671		673		683		68		24,511
2017											632		632		632		634		630		67		22,195
2018													653		644		646		639		205		19,917
2019															680		682		682		330		18,602
2020																	723		722		516		13,028
2021																			782		706		9,759
																	Total		$	6,670	$	2,006

Short-duration contracts net cumulative paid claim adjustment expenses reconciliation of total liability for unpaid claim and claim adjustment expense

Cumulative Net Paid Claims and Allocated Claim Adjustment Expenses are presented in the following table.

As of December 31	Calendar Year
(In millions)	2012(1)		2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021
Accident Year
2012	$	28	$	132	$	247	$	374	$	454	$	510	$	559	$	579	$	597	$	602
2013			31		128		240		352		450		510		551		572		582
2014					31		119		247		376		481		547		569		607
2015							19		110		230		357		446		501		530
2016									32		163		279		407		481		524
2017											23		118		250		399		471
2018													33		107		228		307
2019															25		98		181
2020																	23		99
2021																			26
																	Total		$	3,929
Net liability for unpaid claim and allocated claim adjustment expenses for the accident years presented																			$	2,741
Net liability for unpaid claim and claim adjustment expenses for accident years prior to 2012																			119
Liability for unallocated claim adjustment expenses for accident years presented																			51
Total net liability for unpaid claim and claim adjustment expenses																			$	2,911

Short-duration contracts reserve development

Net strengthening (releases) of prior accident year reserves is presented in the following table.

For the years ended December 31	Calendar Year
(In millions)	2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021		Total
Accident Year
2012	$	24	$	28	$	(3)	$	(17)	$	16	$	—	$	(5)	$	2	$	—	$	45
2013			5		(5)		5		(42)		10		(3)		3		1		(26)
2014					5		(4)		(23)		4		23		1		—		6
2015							(5)		(2)		15		11		2		15		36
2016									36		8		4		2		10		60
2017											—		—		2		(4)		(2)
2018													(9)		2		(7)		(14)
2019															2		—		2
2020																	(1)		(1)
Total net development for the accident years presented above													21		16		14
Total net development for accident years prior to 2012													(4)		(1)		(1)
Total unallocated claim adjustment expense development													(1)		—		2
Total													$	16	$	15	$	15

(1) Data presented for these calendar years is required supplemental information, which is unaudited.

Workers' Compensation | Commercial

Short-duration Insurance Contracts, Net Incurred Claim and Claim Adjustment Expenses [Line Items]

Short-duration contracts net incurred claims and allocated claim adjustment expenses

Cumulative Net Incurred Claim and Allocated Claim Adjustment Expenses are presented in the following table.

As of December 31	Calendar Year																				As of December 31, 2021
(In millions, except reported claims data)	2012(1)		2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021		IBNR		Cumulative Number of Claims
Accident Year
2012	$	601	$	627	$	659	$	669	$	678	$	673	$	671	$	668	$	663	$	664	$	66	42,804
2013			537		572		592		618		593		582		561		552		548		91		38,867
2014					467		480		479		452		450		446		439		448		105		33,502
2015							422		431		406		408		394		382		372		101		31,894
2016									426		405		396		382		366		355		104		31,981
2017											440		432		421		400		402		92		33,121
2018													450		440		428		415		104		34,851
2019															452		449		437		134		34,248
2020																	477		466		228		29,188
2021																			468		300		25,711
																	Total		$	4,575	$	1,325

Short-duration contracts net cumulative paid claim adjustment expenses reconciliation of total liability for unpaid claim and claim adjustment expense

Cumulative Net Paid Claims and Allocated Claim Adjustment Expenses are presented in the following table.

As of December 31	Calendar Year
(In millions)	2012(1)		2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021
Accident Year
2012	$	87	$	232	$	342	$	416	$	470	$	509	$	524	$	536	$	538	$	541
2013			80		213		300		370		417		419		411		414		417
2014					61		159		215		258		282		290		297		306
2015							51		131		180		212		231		243		251
2016									53		129		169		198		219		227
2017											63		151		207		243		265
2018													68		163		229		259
2019															71		169		223
2020																	65		147
2021																			67
																	Total		$	2,703
Net liability for unpaid claim and allocated claim adjustment expenses for the accident years presented																			$	1,872
Net liability for unpaid claim and claim adjustment expenses for accident years prior to 2012																			1,941
Other (2)																			(14)
Liability for unallocated claim adjustment expenses for accident years presented																			51
Total net liability for unpaid claim and claim adjustment expenses																			$	3,850

Short-duration contracts reserve development

Net strengthening (releases) of prior accident year reserves is presented in the following table.

For the years ended December 31	Calendar Year
(In millions)	2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021		Total
Accident Year
2012	$	26	$	32	$	10	$	9	$	(5)	$	(2)	$	(3)	$	(5)	$	1	$	63
2013			35		20		26		(25)		(11)		(21)		(9)		(4)		11
2014					13		(1)		(27)		(2)		(4)		(7)		9		(19)
2015							9		(25)		2		(14)		(12)		(10)		(50)
2016									(21)		(9)		(14)		(16)		(11)		(71)
2017											(8)		(11)		(21)		2		(38)
2018													(10)		(12)		(13)		(35)
2019															(3)		(12)		(15)
2020																	(11)		(11)
Total net development for the accident years presented above													(77)		(85)		(49)
Adjustment for development on a discounted basis													3		2		2
Total net development for accident years prior to 2012													38		(13)		(35)
Total unallocated claim adjustment expense development													23		—		—
Total													$	(13)	$	(96)	$	(82)

(1) Data presented for these calendar years is required supplemental information, which is unaudited.

(2) Other includes the effect of discounting lifetime claim reserves.

Excluding Hardy | International

Short-duration Insurance Contracts, Net Incurred Claim and Claim Adjustment Expenses [Line Items]

Short-duration contracts net incurred claims and allocated claim adjustment expenses

Cumulative Net Incurred Claim and Allocated Claim Adjustment Expenses are presented in the following table.

As of December 31	Calendar Year																				As of December 31, 2021
(In millions, except reported claims data)	2012(1)		2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021		IBNR		Cumulative Number of Claims
Accident Year
2012	$	278	$	285	$	269	$	262	$	261	$	254	$	247	$	241	$	236	$	250	$	16	24,998
2013			285		301		293		273		269		260		251		247		251		12		23,967
2014					288		303		303		291		283		300		301		294		16		24,946
2015							301		317		316		298		292		294		297		27		23,357
2016									296		315		300		297		287		302		37		17,776
2017											312		378		401		393		388		84		18,470
2018													384		402		407		406		81		20,726
2019															357		371		368		91		17,974
2020																	398		389		184		13,909
2021																			426		297		10,401
																	Total		$	3,371	$	845

Short-duration contracts net cumulative paid claim adjustment expenses reconciliation of total liability for unpaid claim and claim adjustment expense

Cumulative Net Paid Claims and Allocated Claim Adjustment Expenses are presented in the following table.

As of December 31	Calendar Year
(In millions)	2012(1)		2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021
Accident Year
2012	$	46	$	117	$	151	$	172	$	188	$	200	$	210	$	213	$	215	$	218
2013			51		116		144		161		176		186		206		218		224
2014					54		126		154		173		190		211		245		250
2015							58		137		168		189		213		228		239
2016									68		136		164		188		200		223
2017											67		152		193		223		247
2018													94		173		221		252
2019															76		171		209
2020																	62		133
2021																			58
Total																			$	2,053
Net liability for unpaid claim and allocated claim adjustment expenses for the accident years presented																			$	1,318
Net liability for unpaid claim and claim adjustment expenses for accident years prior to 2012																			47
Liability for unallocated claim adjustment expenses for accident years presented																			35
Total net liability for unpaid claim and claim adjustment expenses																			$	1,400

Short-duration contracts reserve development

Net strengthening (releases) of prior accident year reserves is presented in the following table.

For the years ended December 31	Calendar Year
(In millions)	2013(1)		2014(1)		2015(1)		2016(1)		2017(1)		2018(1)		2019(1)		2020(1)		2021		Total (2)
Accident Year
2012	$	7	$	(16)	$	(7)	$	(1)	$	(7)	$	(7)	$	(6)	$	(5)	$	14	$	(28)
2013			16		(8)		(20)		(4)		(9)		(9)		(4)		4		(34)
2014					15		—		(12)		(8)		17		1		(7)		6
2015							16		(1)		(18)		(6)		2		3		(4)
2016									19		(15)		(3)		(10)		15		6
2017											66		23		(8)		(5)		76
2018													18		5		(1)		22
2019															14		(3)		11
2020																	(9)		(9)

(1) Data presented for these calendar years is required supplemental information, which is unaudited.

(2) The amounts included in the loss reserve development tables above are presented at the year-end 2021 foreign currency exchange rates for all periods presented to remove the effects of foreign currency exchange rate fluctuations between calendar years. The amounts included within the table on page 101 presenting the detail of the development recorded within the International segment include the impact of fluctuations in foreign currency exchange rates.