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Segment Information (Tables)
9 Months Ended
Sep. 30, 2016
Segment Reporting [Abstract]  
Reconciliation of operating results by reportable segment
The following tables present the Company's operating results by reportable segment:
 
Three Months Ended
 
September 30, 2016
 
September 30, 2015
 
Property & Casualty Lines
 
Other
 
Total
 
Property & Casualty Lines
 
Other
 
Total

(Amounts in millions)
Net premiums earned
$
780.6

 
$
10.3

 
$
790.9

 
$
732.9

 
$
12.6

 
$
745.5

Less:
 
 
 
 
 
 
 
 
 
 
 
Losses and loss adjustment expenses
570.8

 
5.5

 
576.3

 
538.6

 
7.1

 
545.7

Underwriting expenses
194.8

 
4.5

 
199.3

 
188.6

 
5.1

 
193.7

Underwriting gain
15.0

 
0.3

 
15.3

 
5.7

 
0.4

 
6.1

Investment income
 
 
 
 
30.3

 
 
 
 
 
30.9

Net realized investment losses
 
 
 
 
(15.5
)
 
 
 
 
 
(26.3
)
Other income
 
 
 
 
2.4

 
 
 
 
 
2.3

Interest expense
 
 
 
 
(0.9
)
 
 
 
 
 
(0.8
)
Pre-tax income
 
 
 
 
$
31.6

 
 
 
 
 
$
12.2

Net income
 
 
 
 
$
26.9

 
 
 
 
 
$
15.3


 
Nine Months Ended
 
September 30, 2016
 
September 30, 2015
 
Property & Casualty Lines
 
Other
 
Total
 
Property & Casualty Lines
 
Other
 
Total

(Amounts in millions)
Net premiums earned
$
2,305.0

 
$
32.3

 
$
2,337.3

 
$
2,158.6

 
$
39.2

 
$
2,197.8

Less:
 
 
 
 
 
 
 
 
 
 
 
Losses and loss adjustment expenses
1,748.2

 
17.3

 
1,765.5

 
1,559.5

 
21.8

 
1,581.3

Underwriting expenses
586.1

 
13.6

 
599.7

 
577.4

 
15.5

 
592.9

Underwriting gain
(29.3
)
 
1.4

 
(27.9
)
 
21.7

 
1.9

 
23.6

Investment income
 
 
 
 
91.4

 
 
 
 
 
94.1

Net realized investment gains (losses)
 
 
 
 
55.0

 
 
 
 
 
(75.6
)
Other income
 
 
 
 
6.4

 
 
 
 
 
6.8

Interest expense
 
 
 
 
(2.9
)
 
 
 
 
 
(2.3
)
Pre-tax income
 
 
 
 
$
122.0

 
 
 
 
 
$
46.6

Net income
 
 
 
 
$
99.1

 
 
 
 
 
$
51.1

Schedule direct premiums attributable to segment
The following tables present the Company’s net premiums earned and direct premiums written by line of insurance business:
 
Three Months Ended
 
 
September 30, 2016
 
September 30, 2015
 
 
Property & Casualty Lines
 
Other
 
Total
 
Property & Casualty Lines
 
Other
 
Total
 

(Amounts in millions)
 
Private passenger automobile
$
614.0

 
$

 
$
614.0

 
$
581.3

 
$

 
$
581.3

 
Homeowners
105.5

 

 
105.5

 
95.8

 

 
95.8

 
Commercial automobile
41.2

 

 
41.2

 
37.0

 

 
37.0

 
Other
19.9

 
10.3

 
30.2

 
18.8

 
12.6

 
31.4

 
Net premiums earned
$
780.6

 
$
10.3

 
$
790.9

 
$
732.9

 
$
12.6

 
745.5

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Private passenger automobile
$
630.1

 
$

 
$
630.1

 
$
609.0

 
$

 
$
609.0

 
Homeowners
116.0

 

 
116.0

 
106.6

 

 
106.6

 
Commercial automobile
41.9

 

 
41.9

 
40.1

 

 
40.1

 
Other
22.4

 
6.6

 
29.0

 
22.3

 
7.4

 
29.7

 
Direct premiums written
$
810.4

 
$
6.6

 
$
817.0

 
$
778.0

 
$
7.4

 
$
785.4

 

 
Nine Months Ended
 
 
September 30, 2016
 
September 30, 2015
 
 
Property & Casualty Lines
 
Other
 
Total
 
Property & Casualty Lines
 
Other
 
Total
 

(Amounts in millions)
 
Private passenger automobile
$
1,820.1

 
$

 
$
1,820.1

 
$
1,716.0

 
$

 
$
1,716.0

 
Homeowners
307.0

 

 
307.0

 
281.6

 

 
281.6

 
Commercial automobile
119.8

 

 
119.8

 
106.3

 

 
106.3

 
Other
58.1

 
32.3

 
90.4

 
54.7

 
39.2

 
93.9

 
Net premiums earned
$
2,305.0

 
$
32.3

 
$
2,337.3

 
$
2,158.6

 
$
39.2

 
2,197.8

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Private passenger automobile
$
1,857.3

 
$

 
$
1,857.3

 
$
1,763.1

 
$

 
$
1,763.1

 
Homeowners
331.4

 

 
331.4

 
300.8

 

 
300.8

 
Commercial automobile
125.2

 

 
125.2

 
114.8

 

 
114.8

 
Other
66.3

 
20.9

 
87.2

 
62.6

 
22.8

 
85.4

 
Direct premiums written
$
2,380.2

 
$
20.9

 
$
2,401.1

 
$
2,241.3

 
$
22.8

 
$
2,264.1