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Unpaid Claims and Claim Expenses (Tables)
 12 Months Ended
Dec. 31, 2021
Insurance Loss Reserves [Abstract]  
Reconciliation of property and casualty unpaid claims and claim expenses The end of the year gross reserve (before reinsurance) balances and the reinsurance recoverable balances are reflected on a gross basis in the Consolidated Balance Sheets.
($ in millions)Years Ended December 31,
202120202019
Property & Casualty segment
Gross reserves, beginning of year(1)
$372.2 $387.0 $367.2 
Less: reinsurance recoverables112.9 120.5 89.7 
Net reserves, beginning of year(2)
259.3 266.5 277.5 
Incurred claims and claim expenses:
Claims occurring in the current year
455.1 441.2 483.1 
Decrease in estimated reserves for claims occurring in prior years(3)
(7.2)(10.2)(7.5)
Total claims and claim expenses incurred(4)
447.9 431.0 475.6 
Claims and claim expense payments for claims occurring during:
Current year
307.1 291.4 329.5 
Prior years
148.0 146.8 157.1 
Total claims and claim expense payments
455.1 438.2 486.6 
Net reserves, end of year(2)
252.1 259.3 266.5 
Plus: reinsurance recoverables110.3 112.9 120.5 
Gross reserves, end of year(1)
$362.4 $372.2 $387.0 
(1)    Unpaid claims and claim expenses as reported in the Consolidated Balance Sheets also include reserves for Supplemental, Retirement and Life of $63.5 million, $66.6 million and $55.9 million as of December 31, 2021, 2020 and 2019, respectively, in addition to Property & Casualty reserves.
(2)    Reserves are net of anticipated reinsurance recoverables.
(3)    Shows the amounts by which the Company decreased its reserves in each of the periods indicated for claims occurring in previous periods to reflect subsequent information on such claims and changes in their projected final settlement costs. Also refer to the paragraphs below for additional information regarding prior years' reserve development recognized in 2021, 2020 and 2019.
(4)    Benefits, claims and settlement expenses as reported in the Consolidated Statements of Operations also include amounts for Supplemental, Retirement and Life of $169.8 million, $137.9 million, and $109.5 million for the years ended December 31, 2021, 2020 and 2019, respectively, in addition to Property & Casualty amounts.
Schedule of average annual percentage payout of incurred claims by age, also referred to as a history of claims duration
Below is the average annual percentage payout of incurred claims by age, also referred to as a history of claims duration:
Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
Years12345678910
Homeowners79.6 %17.1 %2.0 %0.6 %0.5 %0.2 %— — — — 
Auto liability40.0 %34.2 %14.1 %6.5 %3.3 %1.3 %0.5 %0.1 %— — 
Auto physical damage95.6 %4.7 %(0.3)%— — — — — — — 
Schedule of short-duration insurance contracts, claims development
The following tables illustrate the incurred and paid claims development by accident year on a net basis for the lines of homeowners, auto liability and auto physical damage. Conditions and trends that have affected the development of these reserves in the past will not necessarily reoccur in the future. It may not be appropriate to use this cumulative history in the projection of future performance.
The information about incurred and paid claims development for the years ended December 31, 2012 to 2020 is presented as unaudited supplementary information.
($ in millions)
Homeowners 
Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance
Years Ended December 31,As of December 31, 2021
Total of Incurred-
But-Not-Reported
Liabilities Plus
Expected Development
on Reported Claims		Cumulative
Number of
Reported Claims
AccidentUnauditedUnauditedUnauditedUnauditedUnauditedUnauditedUnauditedUnauditedUnaudited
Year2012201320142015201620172018201920202021
2012$108.8 $109.2 $109.4 $106.5 $106.3 $106.3 $106.0 $106.0 $106.0 $106.0 $— 21.6 
2013 105.6 107.5 104.0 102.4 102.3 101.8 101.7 101.7 101.7 — 19.2 
2014  111.6 113.5 109.1 106.8 106.6 106.6 106.4 106.4 — 20.1 
2015   111.7 115.1 114.4 114.1 115.1 114.9 114.9 — 18.7 
2016    115.9 118.6 117.0 117.9 117.9 117.9 — 19.9 
2017     126.3 129.8 132.7 130.7 130.8 0.3 19.9 
2018      166.8 157.4 158.9 158.1 0.4 21.1 
2019       130.4 129.9 132.1 2.5 17.5 
2020        155.7 151.9 11.1 19.6 
2021         150.2 22.6 15.5 
         Total$1,270.0   
($ in millions)
Homeowners  
Cumulative Paid Claims and Allocated Claim Adjustment Expense, Net of Reinsurance  
Years Ended December 31,  
AccidentUnauditedUnauditedUnauditedUnauditedUnauditedUnauditedUnauditedUnauditedUnaudited  
Year2012201320142015201620172018201920202021  
2012$84.3 $101.6 $104.2 $105.2 $105.6 $105.9 $106.0 $106.0 $106.0 $106.0   
2013 76.9 96.6 99.4 101.0 101.5 101.7 101.7 101.7 101.7   
2014  83.3 103.0 105.7 106.1 106.3 106.4 106.4 106.4   
2015   90.7 109.3 111.9 113.3 114.6 114.9 114.7   
2016    95.8 113.2 115.1 117.5 117.7 117.8   
2017     106.8 128.5 129.8 130.0 130.5   
2018      130.5 152.4 157.0 157.4   
2019       103.8 126.2 129.1   
2020        106.8 138.7   
2021         114.9   
        Total1,217.2   
Outstanding prior to 2012— 
        Prior years paid—   
Liabilities for claims and claim adjustment expenses, net of reinsurance$52.8 
($ in millions)
Auto Liability 
Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance 
Years Ended December 31,As of December 31, 2021
Total of Incurred-
But-Not-Reported
Liabilities Plus
Expected Development
on Reported Claims		Cumulative
Number of
Reported Claims
AccidentUnauditedUnauditedUnauditedUnauditedUnauditedUnauditedUnauditedUnauditedUnaudited
Year2012201320142015201620172018201920202021
2012$156.4 $153.8 $150.3 $149.3 $147.6 $145.8 $145.6 $145.5 $145.9 $145.8 $— 18.6 
2013 153.9 152.9 150.7 150.7 148.1 148.0 148.1 148.3 147.7 — 19.4 
2014  155.1 157.2 158.5 159.9 159.8 159.4 159.3 159.4 0.2 20.3 
2015   165.5 172.6 177.0 178.3 178.7 179.2 178.9 0.4 20.8 
2016    180.4 184.4 184.6 186.6 188.1 189.2 0.5 21.3 
2017     188.0 188.8 188.6 189.1 191.7 1.9 20.1 
2018      200.3 195.3 192.9 189.8 3.8 19.5 
2019       181.1 180.1 176.7 8.9 18.9 
2020        137.0 134.9 20.1 13.1 
2021         142.2 55.3 12.8 
         Total$1,656.3   
($ in millions)
Auto Liability  
Cumulative Paid Claims and Allocated Claim Adjustment Expense, Net of Reinsurance  
Years Ended December 31,  
AccidentUnauditedUnauditedUnauditedUnauditedUnauditedUnauditedUnauditedUnauditedUnaudited  
Year2012201320142015201620172018201920202021  
2012$61.3 $109.6 $127.2 $138.6 $142.9 $144.6 $145.1 $145.2 $145.3 $145.3   
2013 62.2 108.9 131.2 140.0 145.3 146.8 147.4 147.4 147.5   
2014  61.3 117.5 139.5 149.1 155.8 157.6 158.6 158.8   
2015   70.8 134.5 158.0 170.1 174.5 176.7 177.7   
2016    73.1 140.9 166.8 177.8 184.5 188.1   
2017     70.7 139.5 166.6 179.8 185.8   
2018      77.5 141.5 168.6 180.7   
2019       69.7 129.1 155.5   
2020        51.5 94.0   
2021         52.9   
        Total1,486.3   
Outstanding prior to 20121.5 
        Prior years paid—   
Liabilities for claims and claim adjustment expenses, net of reinsurance$171.5 
($ in millions)
Auto Physical Damage 
Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance 
Years Ended December 31,As of December 31, 2021
Total of Incurred-
But-Not-Reported
Liabilities Plus
Expected Development
on Reported Claims		Cumulative
Number of
Reported Claims
AccidentUnauditedUnauditedUnauditedUnauditedUnauditedUnauditedUnauditedUnauditedUnaudited
Year2012201320142015201620172018201920202021
2012$83.8 $82.3 $83.4 $83.4 $83.4 $83.3 $83.3 $83.3 $83.3 $83.3 $— 78.2 
2013 91.4 88.9 88.7 88.6 88.5 88.5 88.5 88.5 88.4 — 80.9 
2014  95.6 95.6 95.4 95.2 95.2 95.2 95.2 95.2 — 87.9 
2015   99.3 98.0 97.6 97.5 97.6 97.6 97.6 — 87.5 
2016    112.4 109.5 109.3 109.6 109.6 109.5 — 93.2 
2017     115.5 111.8 110.5 110.6 110.5 — 91.3 
2018      109.0 108.9 108.3 108.3 — 94.5 
2019       111.6 110.5 110.0 (0.2)92.2 
2020        87.0 86.9 (0.8)68.8 
2021         105.0 (6.7)69.7 
         Total$994.7   
($ in millions)
Auto Physical Damage  
Cumulative Paid Claims and Allocated Claim Adjustment Expense, Net of Reinsurance  
Years Ended December 31,  
AccidentUnauditedUnauditedUnauditedUnauditedUnauditedUnauditedUnauditedUnauditedUnaudited  
Year2012201320142015201620172018201920202021  
2012$80.5 $83.4 $83.4 $83.4 $83.3 $83.3 $83.3 $83.3 $83.3 $83.3   
2013 85.1 88.7 88.6 88.5 88.5 88.5 88.5 88.4 88.4   
2014 88.9 95.4 95.3 95.3 95.3 95.2 95.2 95.2   
2015 92.1 97.9 97.7 97.6 97.6 97.6 97.6   
2016 106.5 109.7 109.5 109.6 109.6 109.6   
2017 105.2 110.8 110.7 110.6 110.6   
2018 103.6 109.1 108.3 108.3   
2019 106.2 110.7 110.1   
2020 84.1 87.6   
2021 97.3   
        Total988.0   
Outstanding prior to 2012— 
Prior years paid— 
Liabilities for claims and claim adjustment expenses, net of reinsurance$6.7 
Schedule of reconciliation of the net incurred and paid claims development tables to the liability for claims and claim adjustment expenses
The reconciliation of the net incurred and paid claims development tables to the liability for claims and claim adjustment expenses in the Consolidated Balance Sheet is as follows:
($ in millions)Year Ended December 31,
2021
Property & Casualty segment
Net reserves
Homeowners$52.8 
Auto liability171.5 
Auto physical damage6.7 
Other short duration lines2.8 
Total net reserves for unpaid claims and claim adjustment expense, net of reinsurance233.8 
Reinsurance recoverable on unpaid claims
Homeowners1.4 
Auto liability99.9 
Other short duration lines9.0 
Total reinsurance recoverable on unpaid claims110.3 
Insurance lines other than short duration(1)
63.5 
Unallocated claims adjustment expenses18.3 
Total other than short duration and unallocated claims adjustment expenses81.8 
Gross reserves, end of year(1)
$425.9 
(1)    This line includes Supplemental, Retirement and Life reserves included in the Consolidated Balance Sheet.