Reserve for Unpaid Losses and Loss Adjustment Expenses (Tables)

12 Months Ended

Dec. 31, 2017

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

Liabilities for Unpaid Losses and Loss Adjustment Expenses

(Favorable) Unfavorable Prior Accident Year Development

	For the years ended December 31,
	2017			2016			2015
Workers’ compensation	$	(79	)	$	(119	)	$	(37	)
Workers’ compensation discount accretion	28			28			29
General liability	11			65			8
Package business	(25		)	65			28
Commercial property	(8		)	1			(6		)
Professional liability	1			(37		)	(36		)
Bond	32			(8		)	(2		)
Automobile liability - Commercial Lines	17			57			62
Automobile liability - Personal Lines	—			160			(8		)
Homeowners	(14		)	(10		)	9
Net asbestos reserves	—			197			146
Net environmental reserves	—			71			55
Catastrophes	(16		)	(7		)	(18		)
Uncollectible reinsurance	(15		)	(30		)	—
Other reserve re-estimates, net	27			24			20
Total prior accident year development	$	(41	)	$	457		$	250

Roll-forward of Liabilities for Unpaid Losses and Loss Adjustment Expenses

	For the years ended December 31,
	2017			2016			2015
Beginning liabilities for unpaid losses and loss adjustment expenses, gross	$	5,772		$	5,889		$	6,013
Reinsurance recoverables	208			218			209
Beginning liabilities for unpaid losses and loss adjustment expenses, net	5,564			5,671			5,804
Add: Aetna U.S. group life and disability business acquisition [3]	2,833			—			—
Provision for unpaid losses and loss adjustment expenses
Current incurral year	2,868			2,562			2,447
Prior year's discount accretion	202			202			214
Prior incurral year development [1]	(185		)	(162		)	(146		)
Total provision for unpaid losses and loss adjustment expenses [2]	2,885			2,602			2,515
Less: payments
Current incurral year	1,528			1,327			1,257
Prior incurral years	1,451			1,382			1,391
Total payments	2,979			2,709			2,648
Ending liabilities for unpaid losses and loss adjustment expenses, net	8,303			5,564			5,671
Reinsurance recoverables	209			208			218
Ending liabilities for unpaid losses and loss adjustment expenses, gross	$	8,512		$	5,772		$	5,889

[1] Prior incurral year development represents the change in estimated ultimate incurred losses and loss adjustment expenses for prior incurral years on a discounted basis.

[2] Includes unallocated loss adjustment expenses of $111, $100 and $96 for the years ended December 31, 2017, 2016 and 2015, respectively, that are recorded in insurance operating costs and other expenses in the Condensed Consolidated Statements of Operations.

[3] Represents Aetna U.S. group life and disability business reserves, net as of the acquisition date, subject to final purchase accounting.

Reserves, Net of Reinsurance that are Discounted

Property and Casualty Insurance Products Reserves, Net of Reinsurance, that are Discounted

	For the years ended December 31,
	2017						2016						2015
Liability for unpaid losses and loss adjustment expenses, at undiscounted amounts	$	1,387					$	1,504					$	1,607
Less: amount of discount	410						483						523
Carrying value of liability for unpaid losses and loss adjustment expenses	$	977					$	1,021					$	1,084
Discount accretion included in losses and loss adjustment expenses	$	30					$	29					$	38
Weighted average discount rate	3.06					%	3.11					%	3.24					%
Range of discount rates	1.77		%	-	14.15	%	1.77		%	-	14.15	%	1.77		%	-	14.15	%

Group Life, Disability and Accident Products Reserves, Net of Reinsurance, that are Discounted

	For the years ended December 31,
	2017						2016						2015
Liability for unpaid losses and loss adjustment expenses, at undiscounted amounts	$	9,071					$	6,382					$	6,565
Less: amount of discount	1,536						1,303						1,382
Carrying value of liability for unpaid losses and loss adjustment expenses	$	7,535					$	5,079					$	5,183
Weighted average discount rate	3.5					%	4.3					%	4.4					%
Range of discount rate	2.1		%	-	8.0	%	3.0		%	-	8.0	%	3.0		%	-	8.0	%

Reconciliation of Loss Development to Liability for Unpaid Losses and Loss Adjustment Expenses

Reconciliation of Loss Development to Liability for Unpaid Losses and Loss Adjustment Expenses As of December 31, 2017

	Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance												Subtotal
Reserve Line	Cumulative Incurred for Accident Years Displayed in Triangles		Cumulative Paid for Accident Years Displayed in Triangles			Unpaid for Accident Years not Displayed in Triangles [1]		Unpaid Unallocated Loss Adjustment Expenses, Net of Reinsurance		Discount			Unpaid Losses and Loss Adjustment Expenses, Net of Reinsurance		Reinsurance and Other Recoverables			Liability for Unpaid Losses and Loss Adjustment Expenses
Workers' compensation	$	18,351	$	(10,945	)	$	2,242	$	346	$	(394	)	$	9,600	$	2,166		$	11,766
General liability	3,473		(1,894		)	500		88		—			2,167		239			2,406
Package business	6,553		(5,198		)	46		99		—			1,500		45			1,545
Commercial property	3,263		(2,898		)	15		10		—			390		53			443
Commercial automobile liability	3,446		(2,559		)	17		23		—			927		41			968
Commercial automobile physical damage	238		(227		)	2		—		—			13		—			13
Professional liability	1,647		(1,146		)	43		17		—			561		282			843
Bond	598		(333		)	4		17		—			286		15			301
Personal automobile liability	12,363		(10,749		)	19		74		—			1,707		21			1,728
Personal automobile physical damage	1,884		(1,856		)	1		3		—			32		—			32
Homeowners	7,588		(7,161		)	4		40		—			471		50			521
Other ongoing business						204		—		(16		)	188		308			496
Asbestos and environmental [2]						1,452		—		—			1,452		765			2,217
Other operations [2]						402		122		—			524		(28		)	496
Total P&C	$	59,404	$	(44,966	)	$	4,951	$	839	$	(410	)	$	19,818	$	3,957		$	23,775

[1] Amounts represent reserves for claims that were incurred more than ten years ago for long-tail lines and more than three years ago for short-tail lines.

[2] Asbestos and environmental and other operations include asbestos, environmental and other latent exposures not foreseen when coverages were written, including, but not limited to, potential liability for pharmaceutical products, silica, talcum powder, head injuries, lead paint, construction defects, molestation and other long-tail liabilities. These reserve lines do not have significant paid or incurred loss development for the most recent ten accident years and therefore do not have loss development displayed in triangles.

Reconciliation of Loss Development to Liability for Unpaid Losses and Loss Adjustment Expenses as of December 31, 2017

	Losses and Allocated Loss Adjustment Expenses, Net of Reinsurance												Subtotal
Reserve Line	Cumulative Incurred for Incurral Years Displayed in Triangles		Cumulative Paid for Incurral Years Displayed in Triangles			Unpaid for Incurral Years not Displayed in Triangles		Unpaid Unallocated Loss Adjustment Expenses, Net of Reinsurance		Discount			Unpaid Losses and Loss Adjustment Expenses, Net of Reinsurance		Reinsurance and Other Recoverables		Liability for Unpaid Losses and Loss Adjustment Expenses
Group long-term disability	$	10,511	$	(5,138	)	$	2,651	$	166	$	(1,383	)	$	6,807	$	207	$	7,014
Group life and accident, excluding premium waiver	5,839		(5,350		)	138		3		(21		)	609		1		610
Group short-term disability						99		5		—			104		—		104
Group life premium waiver						869		7		(132		)	744		1		745
Group supplemental health						39		—		—			39		—		39
Total Group Benefits	$	16,350	$	(10,488	)	$	3,796	$	181	$	(1,536	)	$	8,303	$	209	$	8,512

Losses and Allocated Loss Adjustments Expense, Net of Reinsurance

Workers' Compensation

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017		IBNR Reserves		Claims Reported
2008	$	1,456	$	1,444	$	1,456	$	1,470	$	1,473	$	1,477	$	1,477	$	1,492	$	1,493	$	1,493	$	123	141,627
2009			1,462		1,455		1,478		1,493		1,504		1,504		1,519		1,529		1,522		166		135,731
2010					1,560		1,775		1,814		1,858		1,857		1,882		1,881		1,878		242		156,515
2011							2,013		2,099		2,204		2,206		2,221		2,224		2,232		361		177,652
2012									2,185		2,207		2,207		2,181		2,168		2,169		443		171,021
2013											2,020		1,981		1,920		1,883		1,861		510		150,884
2014													1,869		1,838		1,789		1,761		638		125,487
2015															1,873		1,835		1,801		806		112,970
2016																	1,772		1,772		944		110,072
2017																			1,862		1,349		102,626
Total																			$	18,351

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017
2008	$	264	$	581	$	781	$	917	$	1,015	$	1,089	$	1,146	$	1,190	$	1,216	$	1,242
2009			265		587		792		937		1,042		1,115		1,170		1,208		1,242
2010					316		709		970		1,154		1,287		1,374		1,439		1,489
2011							371		841		1,156		1,368		1,518		1,622		1,690
2012									359		809		1,106		1,313		1,436		1,529
2013											304		675		917		1,071		1,175
2014													275		598		811		960
2015															261		576		778
2016																	255		579
2017																			261
Total																			$	10,945

General Liability

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017		IBNR Reserves		Claims Reported
2008	$	501	$	457	$	468	$	454	$	451	$	416	$	398	$	401	$	398	$	394	$	40	21,374
2009			382		398		394		382		359		348		347		346		341		33		20,530
2010					355		362		352		355		343		345		376		377		33		18,729
2011							353		343		323		316		315		320		318		49		16,637
2012									321		315		310		295		304		298		66		11,614
2013											318		321		332		352		344		88		9,715
2014													317		318		336		342		128		10,048
2015															316		346		345		194		10,326
2016																	352		351		262		11,028
2017																			363		302		8,823
Total																			$	3,473

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017
2008	$	31	$	69	$	141	$	216	$	270	$	300	$	318	$	330	$	337	$	343
2009			22		63		124		181		227		256		277		287		297
2010					14		51		115		181		224		259		314		331
2011							11		47		93		154		198		234		252
2012									8		39		75		124		167		198
2013											7		35		95		152		207
2014													11		31		88		142
2015															7		32		80
2016																	8		32
2017																			12
Total																			$	1,894

Package Business

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017		IBNR Reserves		Claims Reported
2008	$	667	$	703	$	709	$	677	$	675	$	674	$	676	$	673	$	675	$	674	$	16	58,109
2009			587		584		584		572		578		577		576		576		574		20		50,351
2010					657		662		654		652		652		651		653		651		24		52,345
2011							810		792		790		800		808		814		813		37		60,892
2012									736		725		728		731		736		735		38		59,621
2013											579		565		573		585		586		50		43,284
2014													566		578		601		602		86		42,718
2015															582		588		585		137		41,202
2016																	655		638		228		42,042
2017																			695		348		39,524
Total																			$	6,553

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017
2008	$	278	$	451	$	510	$	562	$	595	$	620	$	633	$	643	$	649	$	652
2009			227		351		411		463		503		527		539		547		550
2010					270		414		487		539		570		601		613		618
2011							377		555		621		684		727		748		762
2012									286		486		560		616		652		673
2013											225		339		414		467		504
2014													226		345		416		468
2015															212		332		383
2016																	225		353
2017																			235
Total																			$	5,198

Commercial Property

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017		IBNR Reserves		Claims Reported
2008	$	478	$	465	$	465	$	464	$	467	$	464	$	464	$	463	$	464	$	464	$	—	31,995
2009			267		264		259		258		251		257		257		257		257		—		28,286
2010					286		283		279		282		284		284		284		284		—		28,515
2011							357		356		356		362		361		360		359		—		29,103
2012									329		301		301		305		306		305		1		25,785
2013											234		218		219		220		216		—		20,287
2014													268		260		262		264		—		19,742
2015															264		264		268		3		19,031
2016																	328		331		6		19,868
2017																			515		81		18,883
Total																			$	3,263

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017
2008	$	280	$	422	$	449	$	459	$	464	$	464	$	464	$	465	$	466	$	465
2009			179		247		252		256		256		257		257		257		257
2010					198		266		276		281		283		284		284		284
2011							231		332		350		355		358		359		360
2012									171		279		294		300		304		303
2013											157		208		216		218		215
2014													168		243		258		264
2015															172		239		255
2016																	188		285
2017																			210
Total																			$	2,898

Commercial Automobile Liability

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017		IBNR Reserves		Claims Reported
2008	$	303	$	311	$	304	$	303	$	304	$	304	$	302	$	307	$	306	$	306	$	4	43,885
2009			306		292		287		287		297		301		302		302		302		1		38,688
2010					277		280		296		319		323		328		327		324		7		38,112
2011							272		310		356		356		366		365		362		7		39,262
2012									311		376		390		401		394		390		14		35,970
2013											309		314		329		336		335		24		31,881
2014													306		314		328		333		48		29,171
2015															302		353		368		99		27,928
2016																	372		380		155		27,771
2017																			346		243		22,665
Total																			$	3,446

Cumulative Paid Losses & Allocated Loss Adjustment Expense, Net of Reinsurance
	For the years ended December 31
	(Unaudited)
Accident Year	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017
2008	$	61	$	124	$	185	$	238	$	270	$	289	$	295	$	299	$	300	$	302
2009			56		115		175		237		274		291		298		300		301
2010					55		125		188		252		289		300		308		313
2011							62		133		211		273		315		339		348
2012									65		142		233		306		345		358
2013											61		128		199		255		289
2014													58		129		195		249
2015															61		141		204
2016																	62		140
2017																			55
Total																			$	2,559

Commercial Automobile Physical Damage

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2015		2016		2017		IBNR Reserves		Claims Reported
2015	$	74	$	75	$	75	$	—	26,812
2016			79		78		—		26,320
2017					85		4		22,965
Total					$	238

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2015		2016		2017
2015	$	69	$	75	$	75
2016			71		78
2017					74
Total					$	227

Professional Liability

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Claims Made Year	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017		IBNR Reserves		Claims Reported
2008	$	281	$	253	$	244	$	274	$	280	$	276	$	276	$	282	$	277	$	284	$	16	4,959
2009			254		251		244		266		257		263		255		257		257		19		5,114
2010					202		211		212		205		201		200		195		199		31		4,890
2011							226		228		232		226		219		219		220		44		4,707
2012									174		172		168		149		146		144		33		3,729
2013											136		136		123		110		103		35		2,782
2014													116		123		118		114		44		2,878
2015															104		113		113		51		2,943
2016																	106		106		66		3,090
2017																			107		82		2,733
Total																			$	1,647

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Claims Made Year	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017
2008	$	13	$	61	$	126	$	166	$	202	$	221	$	230	$	260	$	264	$	266
2009			17		69		127		177		194		226		225		226		235
2010					22		62		103		137		148		157		162		166
2011							11		57		100		128		163		170		173
2012									11		41		60		89		97		107
2013											4		19		31		39		55
2014													4		21		40		64
2015															4		23		49
2016																	4		25
2017																			6
Total																			$	1,146

Bond

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017		IBNR Reserves		Claims Reported
2008	$	75	$	67	$	62	$	52	$	47	$	47	$	44	$	47	$	48	$	46	$	7	3,450
2009			71		71		69		58		57		51		49		49		49		4		3,309
2010					71		75		80		79		73		69		70		90		24		2,670
2011							72		76		76		75		70		70		69		10		2,126
2012									69		69		60		53		48		48		16		1,719
2013											63		58		54		48		48		29		1,452
2014													69		65		65		66		20		1,362
2015															65		65		62		29		1,347
2016																	59		59		45		1,227
2017																			61		53		1,018
Total																			$	598

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017
2008	$	5	$	18	$	23	$	30	$	32	$	34	$	39	$	39	$	39	$	39
2009			9		32		45		46		44		43		44		44		44
2010					13		46		59		58		59		63		66		66
2011							12		39		51		56		57		59		59
2012									12		25		26		24		25		25
2013											3		9		17		18		18
2014													18		31		40		43
2015															9		19		23
2016																	2		11
2017																			5
Total																			$	333

Personal Automobile Liability

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017		IBNR Reserves		Claims Reported
2008	$	1,253	$	1,249	$	1,227	$	1,207	$	1,197	$	1,196	$	1,192	$	1,191	$	1,188	$	1,188	$	3	248,990
2009			1,351		1,305		1,280		1,255		1,256		1,260		1,259		1,257		1,257		3		254,551
2010					1,346		1,321		1,293		1,287		1,282		1,275		1,265		1,265		3		248,944
2011							1,181		1,170		1,180		1,173		1,166		1,154		1,154		7		221,879
2012									1,141		1,149		1,146		1,142		1,133		1,130		8		210,740
2013											1,131		1,145		1,144		1,153		1,152		14		205,428
2014													1,146		1,153		1,198		1,200		34		208,817
2015															1,195		1,340		1,338		92		216,189
2016																	1,407		1,402		235		213,563
2017																			1,277		554		175,871
Total																			$	12,363

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017
2008	$	469	$	861	$	1,031	$	1,121	$	1,160	$	1,175	$	1,181	$	1,183	$	1,184	$	1,184
2009			492		888		1,083		1,171		1,223		1,240		1,246		1,250		1,251
2010					496		915		1,108		1,202		1,239		1,251		1,256		1,258
2011							447		826		1,006		1,088		1,126		1,140		1,145
2012									441		818		986		1,067		1,104		1,114
2013											442		816		1,002		1,091		1,121
2014													430		843		1,032		1,125
2015															475		935		1,142
2016																	505		968
2017																			441
Total																			$	10,749

Personal Automobile Physical Damage

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2015		2016		2017		IBNR Reserves			Claims Reported
2015	$	629	$	632	$	630	$	—		395,923
2016			665		656		2			406,162
2017					598		(8		)	343,178
Total					$	1,884

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2015		2016		2017
2015	$	610	$	630	$	629
2016			634		653
2017					574
Total					$	1,856

Homeowners

Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017		IBNR Reserves		Claims Reported
2008	$	742	$	768	$	777	$	778	$	779	$	779	$	779	$	779	$	780	$	779	$	—	165,108
2009			757		777		776		772		772		772		772		769		768		—		149,790
2010					838		850		838		840		840		840		836		834		—		161,581
2011							955		920		919		916		914		911		908		1		179,377
2012									774		741		741		741		739		738		2		142,804
2013											673		638		637		634		632		4		113,469
2014													710		707		702		700		5		121,809
2015															690		703		690		9		119,722
2016																	669		673		20		118,748
2017																			866		96		115,488
Total																			$	7,588

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Accident Year	2008		2009		2010		2011		2012		2013		2014		2015		2016		2017
2008	$	548	$	721	$	750	$	764	$	773	$	775	$	777	$	777	$	778	$	778
2009			559		727		749		759		763		765		766		766		767
2010					599		789		815		825		829		832		833		833
2011							709		871		891		899		903		905		908
2012									547		696		719		727		731		734
2013											467		590		611		622		626
2014													526		663		684		691
2015															487		645		665
2016																	481		621
2017																			538
Total																			$	7,161

Group Long-Term Disability

Undiscounted Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Incurral Year	2011	2012	2013	2014	2015	2016	2017		IBNR Reserves	Claims Reported
2011	1,917	1,761	1,660	1,659	1,669	1,660	1,649		1	39,149
2012		1,829	1,605	1,539	1,532	1,530	1,515		—	37,438
2013			1,660	1,479	1,429	1,429	1,416		2	31,752
2014				1,636	1,473	1,430	1,431		2	32,936
2015					1,595	1,442	1,422		15	33,349
2016						1,651	1,481		38	33,413
2017							1,597		687	23,158
Total							$	10,511

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Incurral Year	2011	2012	2013	2014	2015	2016	2017
2011	118	508	743	886	996	1,087	1,167
2012		108	483	708	835	933	1,014
2013			102	443	664	791	881
2014				103	448	675	801
2015					108	460	687
2016						112	479
2017							109
Total							$	5,138

Group Life and Accident, excluding Premium Waiver

Undiscounted Incurred Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Incurral Year	2015		2016		2017		IBNR Reserves		Claims Reported
2015	$	1,983	$	1,919	$	1,921	$	8	47,954
2016			1,974		1,919		23		44,762
2017					1,999		401		35,592
Total					$	5,839

Cumulative Paid Losses & Allocated Loss Adjustment Expenses, Net of Reinsurance
	For the years ended December 31,
	(Unaudited)
Incurral Year	2015		2016		2017
2015	$	1,541	$	1,889	$	1,911
2016			1,529		1,888
2017					1,551
Total					$	5,350

Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance

Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
	(Unaudited)
Reserve Line	1st Year		2nd Year		3rd Year		4th Year		5th Year		6th Year		7th Year		8th Year		9th Year		10th Year
Workers' compensation	16.0	%	19.9	%	13.1	%	9.2	%	6.4	%	4.7	%	3.5	%	2.7	%	2.0	%	1.7	%
General liability	3.7	%	9.0	%	16.0	%	17.4	%	13.8	%	9.4	%	7.7	%	3.6	%	2.2	%	1.6	%
Package business	38.9	%	22.0	%	10.3	%	8.3	%	5.5	%	3.6	%	1.9	%	1.2	%	0.7	%	0.4	%
Commercial property	61.8	%	27.8	%	4.6	%	1.6	%	0.5	%	0.1	%	0.1	%	0.1	%	—	%	—	%
Commercial automobile liability	17.4	%	20.5	%	20.3	%	18.1	%	11.0	%	5.0	%	2.3	%	1.1	%	0.4	%	0.5	%
Commercial automobile physical damage	90.1	%	8.2	%	(0.3	)%
Professional liability	5.5	%	18.5	%	18.7	%	16.2	%	10.3	%	6.8	%	1.6	%	4.3	%	2.4	%	0.4	%
Bond	14.6	%	26.8	%	13.6	%	3.7	%	0.9	%	2.0	%	3.8	%	—	%	(0.1	)%	0.6	%
Personal automobile liability	37.6	%	33.1	%	15.4	%	7.4	%	3.2	%	1.1	%	0.4	%	0.3	%	0.1	%	—	%
Personal automobile physical damage	96.5	%	3.1	%	(0.2	)%
Homeowners	72.1	%	20.8	%	3.1	%	1.3	%	0.6	%	0.3	%	0.1	%	0.1	%	0.1	%	—	%

Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
	(Unaudited)
	1st Year		2nd Year		3rd Year		4th Year		5th Year		6th Year		7th Year
Group long-term disability	7.2	%	24.4	%	15.3	%	8.7	%	6.5	%	5.4	%	4.8	%
Group life and accident, excluding premium waiver	79.2	%	18.4	%	1.1	%