Management’s process for establishing loss reserves is a comprehensive process that involves input from multiple functions throughout the organization, including actuarial, finance, claims, legal, underwriting, distribution and business operations management. A review of loss reserves for each of the classes of business that the Company writes is conducted regularly, generally quarterly. This review process takes into consideration a variety of trends that impact the ultimate settlement of claims. Where appropriate, the loss reserving process includes a review of overall payment patterns and the emergence of paid and reported losses relative to expectations.

The loss reserve estimation process relies on the basic assumption that past experience, adjusted for the effects of current developments and likely trends, is an appropriate basis for predicting future outcomes. As part of this process, the Company uses a variety of analytical methods that consider experience, trends and other relevant factors. Incurred but not reported (“IBNR”) reserves are generally calculated by first projecting the ultimate cost of all claims that have been reported or expected to be reported in the future and then subtracting reported losses and LAE. IBNR reserves include both incurred-but-not-reported liabilities plus expected development on reported claims included in the liability for unpaid claims and claim adjustment expenses. Reported losses include cumulative paid losses and LAE plus outstanding case reserves. The Company’s ultimate IBNR reserves are estimated by management and reserving actuaries on an aggregate basis for each line of business or coverage for loss and LAE liabilities not reflected within the case reserves. Case reserves are established by claim personnel individually on a claim by claim basis and based on information specific to the occurrence and terms of the underlying policy. Case reserves are periodically reviewed and modified based on new or additional information pertaining to the claim.

For events designated as catastrophes, the Company generally calculates IBNR reserves directly as a result of an estimated IBNR claim count and an estimated average claim amount for each event. Such an assessment involves a comprehensive analysis of the nature of the event, of policyholder exposures within the affected geographic area and of available claims intelligence.

Carried reserves for each line of business and coverage are determined based on the quarterly loss reserving process. In making the determination, the Company considers numerous quantitative and qualitative factors. Quantitative factors include actual payments made and changes in case reserve estimates in the period, as compared to previously experienced patterns, the maturity of the accident year, trends observed over the recent past, the level of volatility within a particular class of business, the estimated effects of reinsurance, including reinstatement premiums, general economic trends and other factors. Qualitative factors may include legal and regulatory developments, changes in claim handling and case reserving practices, recent entry into new markets or products, changes in underwriting practices, concerns that the Company does not have sufficient or quality historical reported and paid loss and LAE information with respect to a particular line of business and coverage, effects of the economy and political outlook, perceived anomalies in the historical results, evolving trends or other factors, such as the impact of the Pandemic.

The Company regularly updates its reserve estimates as new information becomes available and further events occur which may impact the resolution of unsettled claims. Reserve adjustments are reflected in results of operations as adjustments to losses and LAE. Often these adjustments are recognized in periods subsequent to the period in which the underlying policy was written and loss event occurred. These types of subsequent adjustments are described as loss and LAE “development.” Such development can be either favorable or unfavorable to the Company’s financial results and may vary by line of business. In this section, all amounts presented include catastrophe losses and LAE.

The table below provides a reconciliation of the gross beginning and ending reserve for unpaid losses and loss adjustment expenses.

The following table provides a summary of (favorable)/unfavorable loss and LAE reserve development.

Within other commercial lines, general liability is comprised of both monoline and claims-made general liability. Claims-made general liability is primarily comprised of certain management and professional liability coverages. Other lines is primarily comprised of specialty industrial property, miscellaneous commercial property, fidelity and healthcare lines. Loss and LAE reserve development in the Other Segment is related to run-off voluntary assumed property and casualty reinsurance pools business.

As a result of continuing trends in the Company’s business, reserves, including catastrophes, have been re-estimated for all prior accident years and were decreased by $32.6 million, $28.4 million and $8.9 million in 2020, 2019 and 2018, respectively.

In 2020, net favorable loss and LAE development was $32.6 million, primarily as a result of net favorable Commercial Lines development of $37.8 million, partially offset by unfavorable development in the Other Segment. Commercial Lines favorable development was primarily due to lower than expected losses of $36.0 million within the workers’ compensation line in accident years 2016 through 2019 and within other commercial lines. These were partially offset by higher than expected losses in the commercial automobile line driven by higher bodily injury and personal injury protection losses, primarily in accident years 2017 through 2019. In addition, Commercial Lines favorable development includes lower than expected losses related to certain 2017, 2018 and 2019 wind storms, winter storms and hurricanes, and the 2017 and 2018 California wildfires. Within other commercial lines, lower than expected losses in the marine line, primarily in accident years 2017 through 2019, and the specialty industrial property lines were partially offset by higher than expected losses in the general liability coverages within Hanover Programs in accident years 2016 through 2019. Other Segment unfavorable development was due to the Company’s run-off voluntary assumed property and casualty reinsurance pools business primarily based on an updated third-party actuarial study received during 2020 for the Excess and Casualty Reinsurance Association pool that primarily consists of asbestos and environmental exposures.

In 2019, net favorable loss and LAE development was $28.4 million, primarily as a result of net favorable Commercial Lines development of $53.3 million, partially offset by unfavorable Personal Lines development of $23.7 million. Commercial Lines favorable development was primarily due to lower than expected losses of $32.6 million within the workers’ compensation line in accident years 2015 through 2018, as well as within the commercial multiple peril line in accident years 2015 and 2016, and within other commercial lines. These were partially offset by higher than expected losses in the commercial automobile line driven by higher bodily injury severity and personal injury protection losses. In addition, Commercial Lines favorable development includes lower than expected losses related to the 2017 and 2018 California wildfires, including the sale of subrogation rights on certain California wildfire losses, and hurricane Florence in 2018. Within other commercial lines, lower than expected losses in the marine line, primarily in accident years 2015 through 2018, general liability lines and surety line were partially offset by higher than expected losses in Hanover Programs, primarily in accident years 2011, 2013, 2015 and 2017. Personal Lines unfavorable development was primarily due to higher than expected losses of $21.6 million in the personal automobile line, driven by bodily injury severity and personal injury protection in accident years 2016 through 2017. In addition, Other Segment unfavorable development of $1.2 million

was due to the Company’s run-off voluntary assumed property and casualty reinsurance pools business, which includes asbestos and environmental reserves.

In 2018, net favorable loss and LAE development was $8.9 million, primarily as a result of net favorable Commercial Lines development of $40.9 million, partially offset by unfavorable Personal Lines development of $30.8 million. Commercial Lines favorable development was primarily due to lower than expected losses of $31.0 million within the workers’ compensation line in accident years 2015 through 2017 and $29.1 million in other commercial lines, partially offset by higher than expected losses of $23.2 million in the commercial automobile line, driven by higher bodily injury severity in the 2014, 2016 and 2017 accident years. Within other commercial lines, lower than expected losses in the general liability lines, related to the 2014 through 2016 accident years, marine line in accident years 2015 through 2017, and surety line, were partially offset by higher than expected losses in Hanover Programs, primarily in accident years 2010 through 2014. Personal Lines unfavorable development was primarily due to higher than expected losses of $ 14.3 million in the personal automobile line, driven by bodily injury severity in the 2015 and 2016 accident years, and in the homeowners line in accident years 2015 through 2017. In addition, Other Segment unfavorable development of $1.2 million was due to the Company’s run-off voluntary assumed property and casualty reinsurance pools business, which includes asbestos and environmental reserves.

The table below summarizes the gross, ceded and net reserve for losses and LAE and reconciles to the incurred claims development in the following section. Accordingly, the commercial multiple peril, workers’ compensation, commercial automobile liability and general liability and umbrella - occurrence lines presentation includes Hanover Programs business.

YEAR ENDED DECEMBER 31,	2020							2019
(in millions)	Gross		Ceded			Net		Gross		Ceded			Net
Commercial multiple peril	$	1,429.4	$	(163.9	)	$	1,265.5	$	1,298.5	$	(126.5	)	$	1,172.0
Workers’ compensation		795.4		(182.6	)		612.8		795.3		(186.0	)		609.3
Commercial automobile liability		504.1		(30.6	)		473.5		467.7		(27.3	)		440.4
General liability and umbrella - occurrence		612.0		(176.0	)		436.0		575.9		(155.5	)		420.4
General liability - claims made		323.7		(30.5	)		293.2		268.1		(20.1	)		248.0
Other lines		451.6		(85.1	)		366.5		409.5		(89.5	)		320.0
Total Commercial Lines and other		4,116.2		(668.7	)		3,447.5		3,815.0		(604.9	)		3,210.1
Personal automobile liability		1,649.9		(968.5	)		681.4		1,626.4		(963.2	)		663.2
Homeowners		210.6		(3.0	)		207.6		172.4		(4.8	)		167.6
Other personal lines		47.3		(1.4	)		45.9		40.6		(1.9	)		38.7
Total Personal Lines		1,907.8		(972.9	)		934.9		1,839.4		(969.9	)		869.5
Total loss and LAE reserves	$	6,024.0	$	(1,641.6	)	$	4,382.4	$	5,654.4	$	(1,574.8	)	$	4,079.6

General liability and umbrella - occurrence is primarily comprised of the Company’s commercial monoline general liability and umbrella coverages. General liability - claims made is primarily comprised of the Company’s commercial professional and management liability lines. Within total Commercial Lines and other, other lines is primarily comprised of marine, surety, specialty industrial and commercial property, product liability, voluntary pools, healthcare and fidelity lines. Included in the above table, primarily in other lines, are $57.7 million and $55.5 million of gross asbestos and environmental reserves as of December 31, 2020 and 2019, respectively.

For the following net reserve components, commercial multiple peril, workers’ compensation, commercial automobile liability, general liability and umbrella - occurrence, general liability - claims made, personal automobile liability and homeowners, the Company is presenting incurred claims development tables by accident year. The commercial multiple peril, workers’ compensation, commercial automobile liability, general liability and umbrella - occurrence lines presentation includes Hanover Programs business. In each of these tables, the Company is presenting the number of years for which claims are typically outstanding, which is consistent with the period at which substantially all of the reserve development has emerged based on past history. The tables presented below include cumulative incurred loss and allocated loss adjustment expenses (“ALAE”), cumulative paid loss and ALAE and IBNR balances at December 31, 2020. IBNR includes both incurred but not reported liabilities and expected development on reported claims. In addition, cumulative incurred claim counts are presented as of December 31, 2020 and claim duration is presented in a separate table disclosing the average annual percentage payout of incurred claims by age, net of reinsurance. Claim duration is calculated as an average of paid loss and ALAE divided by incurred loss and ALAE by elapsed year. The incurred claims development tables presented are reconciled to the net carried reserves in the preceding table as of December 31, 2020.

Incurred claim count information presented represents claim frequency by individual claimant and measures the frequency of direct claim settlements that have resulted in or are expected to result in claim payments. Claim count information is presented in a manner consistent with that used in the quarterly loss reserving process. A single claim event, particularly in automobile lines, may result in multiple individual claimants and, therefore, multiple claim counts. Incurred claim counts are comprised of outstanding claims and those that are closed with a loss payment and exclude those that are closed without a loss payment. A single claim event may result in multiple claims closed with a payment when a claim is subsequently reopened with further payment. In this case, a reopened claim payment is counted as an incremental claim settlement. Claim count information is not available for direct and assumed participations in various involuntary pools and residual market mechanisms, which represent approximately 4% or less of the total gross earned premium and gross incurred claims for the lines presented. Incurred claim counts are also not adjusted for the effect of claims ceded as part of reinsurance programs, although the incurred losses and cumulative paid losses presented in the following tables are presented net of reinsurance ceded.

Commercial multiple peril
($ in millions)																	As of
Incurred Losses and ALAE, Net of Reinsurance																	December 31, 2020
YEARS ENDED DECEMBER 31,																			Cumulative
																			Incurred
Accident	2013		2014		2015														Claim
Year	Unaudited		Unaudited		Unaudited		2016		2017		2018		2019		2020		IBNR		Count
2013	$	380.0	$	362.5	$	367.9	$	391.8	$	392.1	$	393.0	$	393.7	$	393.6	$	7.8		14,801
2014				443.9		439.6		464.8		459.4		449.1		444.4		441.0		13.1		15,881
2015						446.0		456.3		463.7		467.4		465.2		460.9		16.9		15,583
2016								447.1		449.6		448.7		447.4		449.6		25.8		15,750
2017										538.7		544.8		551.6		555.6		38.5		16,638
2018												578.2		560.9		556.1		77.8		17,123
2019														583.8		593.0		138.0		16,012
2020																628.9		245.5		13,136
Total															$	4,078.7


Cumulative Paid Losses and ALAE, Net of Reinsurance
YEARS ENDED DECEMBER 31,

Accident	2013		2014		2015
Year	Unaudited		Unaudited		Unaudited		2016		2017		2018		2019		2020
2013	$	137.6	$	221.5	$	262.3	$	306.4	$	334.6	$	355.9	$	366.3	$	373.1
2014				171.7		267.8		316.0		363.4		395.2		407.7		411.7
2015						161.9		260.1		315.6		363.2		397.0		413.6
2016								140.3		237.9		290.2		342.2		369.6
2017										170.9		296.4		370.6		422.9
2018												178.8		306.2		363.7
2019														169.3		317.2
2020																217.4
Total																2,889.2
Total reserves for 2013 – 2020 accident years (incurred - paid)																1,189.5
Total reserves for 2012 and prior accident years																51.9
Unallocated loss adjustment expense																24.1
Net reserves at December 31, 2020															$	1,265.5

Workers' compensation
($ in millions)																					As of
Incurred Losses and ALAE, Net of Reinsurance																					December 31, 2020
YEARS ENDED DECEMBER 31,																							Cumulative
																							Incurred
Accident	2011		2012		2013		2014		2015														Claim
Year	Unaudited		Unaudited		Unaudited		Unaudited		Unaudited		2016		2017		2018		2019		2020		IBNR		Count
2011	$	141.4	$	144.2	$	144.3	$	145.5	$	143.8	$	146.7	$	148.3	$	147.9	$	147.7	$	146.9	$	6.3		12,484
2012				176.3		171.1		165.2		157.2		162.9		163.7		163.7		161.9		161.4		8.4		13,083
2013						179.3		167.4		160.1		154.4		155.3		155.4		154.9		153.3		8.8		11,734
2014								182.1		172.9		154.7		152.1		150.3		148.2		145.8		11.8		10,943
2015										189.6		164.2		157.5		150.3		146.0		142.7		16.0		11,485
2016												189.6		180.5		164.6		158.2		152.8		16.1		15,894
2017														186.1		172.1		160.8		156.6		20.0		16,722
2018																187.2		182.1		172.1		24.2		17,454
2019																		187.9		182.0		30.1		17,163
2020																				182.5		76.9		12,549
Total																			$	1,596.1

Cumulative Paid Losses and ALAE, Net of Reinsurance
YEARS ENDED DECEMBER 31,
Accident	2011		2012		2013		2014		2015
Year	Unaudited		Unaudited		Unaudited		Unaudited		Unaudited		2016		2017		2018		2019		2020
2011	$	30.0	$	71.3	$	97.3	$	114.0	$	122.9	$	128.0	$	130.9	$	132.8	$	134.2	$	135.3
2012				30.4		74.8		102.6		120.1		130.7		136.0		141.4		143.7		146.6
2013						30.9		74.6		101.2		114.0		122.8		127.4		131.4		133.8
2014								30.6		70.5		92.3		105.6		112.5		117.8		121.0
2015										28.0		65.7		87.2		99.4		105.8		109.6
2016												33.9		78.1		99.5		111.1		117.1
2017														32.8		73.0		94.1		106.6
2018																35.6		80.7		103.4
2019																		33.3		83.1
2020																				30.7
Total																				1,087.2
Total reserves for 2011 – 2020 accident years (incurred - paid)																				508.9
Total reserves for 2010 and prior accident years																				84.6
Unallocated loss adjustment expense and other																				19.3
Net reserves at December 31, 2020																			$	612.8

Commercial automobile liability
($ in millions)														As of
Incurred Losses and ALAE, Net of Reinsurance														December 31, 2020
YEARS ENDED DECEMBER 31,																Cumulative
																Incurred
Accident	2014	2015														Claim
Year	Unaudited	Unaudited		2016		2017		2018		2019		2020		IBNR		Count
2014	168.5	$	163.3	$	177.3	$	181.7	$	185.1	$	185.0	$	183.5	$	1.7		13,477
2015			163.4		168.3		166.9		167.8		167.6		170.3		1.2		12,829
2016					157.0		157.7		163.0		174.3		172.5		4.3		11,660
2017							159.5		170.1		182.1		188.5		7.6		11,504
2018									182.8		176.1		182.9		25.5		11,181
2019											180.5		192.0		57.0		10,210
2020													171.6		115.9		5,772
Total												$	1,261.3

Cumulative Paid Losses and ALAE, Net of Reinsurance
YEARS ENDED DECEMBER 31,

Accident	2014	2015
Year	Unaudited	Unaudited		2016		2017		2018		2019		2020
2014	33.1	$	70.8	$	102.7	$	137.1	$	168.2	$	176.3	$	178.2
2015			32.2		63.8		96.4		129.3		144.5		152.5
2016					27.8		60.7		98.3		134.0		147.2
2017							26.9		71.2		105.9		137.7
2018									29.2		59.7		92.5
2019											29.5		75.8
2020													23.4
Total													807.3
Total reserves for 2014 – 2020 accident years (incurred - paid)													454.0
Total reserves for 2013 and prior accident years													13.7
Unallocated loss adjustment expense													5.8
Net reserves at December 31, 2020												$	473.5

General liability and umbrella - occurrence
($ in millions)																					As of
Incurred Losses and ALAE, Net of Reinsurance																					December 31, 2020
YEARS ENDED DECEMBER 31,																							Cumulative
																							Incurred
Accident	2011		2012		2013		2014		2015														Claim
Year	Unaudited		Unaudited		Unaudited		Unaudited		Unaudited		2016		2017		2018		2019		2020		IBNR		Count
2011	$	47.6	$	43.8	$	38.2	$	42.2	$	51.0	$	55.6	$	55.4	$	57.5	$	58.8	$	59.3	$	2.4		1,393
2012				77.2		59.3		62.2		64.3		71.1		74.2		69.1		71.2		72.8		2.5		1,774
2013						84.1		67.4		71.5		88.6		84.4		81.2		80.4		79.1		4.1		2,001
2014								100.9		82.3		98.6		101.4		98.3		99.8		98.4		6.4		2,108
2015										104.2		99.3		99.6		97.0		98.3		99.7		9.9		2,448
2016												95.6		100.7		101.5		100.8		98.7		15.7		1,913
2017														97.7		107.6		109.2		110.7		24.9		1,806
2018																99.8		106.4		104.0		35.2		1,823
2019																		104.2		105.7		55.8		1,605
2020																				99.8		81.0		1,213
Total																			$	928.2

Cumulative Paid Losses and ALAE, Net of Reinsurance
YEARS ENDED DECEMBER 31,
Accident	2011		2012		2013		2014		2015
Year	Unaudited		Unaudited		Unaudited		Unaudited		Unaudited		2016		2017		2018		2019		2020
2011		1.6	$	6.7	$	19.4	$	31.1	$	39.8	$	45.8	$	47.8	$	50.6	$	52.9	$	54.8
2012				2.2		12.6		29.8		43.8		52.1		60.6		63.0		64.5		65.0
2013						2.4		11.0		26.8		43.1		56.1		63.5		67.6		70.1
2014								3.1		14.5		31.4		52.8		70.4		83.6		87.3
2015										3.3		15.2		30.8		48.5		65.7		77.3
2016												3.1		15.0		31.6		52.5		63.4
2017														4.4		17.0		34.5		49.8
2018																4.1		15.6		35.7
2019																		7.5		16.7
2020																				3.9
Total																				524.0
Total reserves for 2011 – 2020 accident years (incurred - paid)																				404.2
Total reserves for 2010 and prior accident years																				18.1
Unallocated loss adjustment expense and other																				13.7
Net reserves at December 31, 2020																			$	436.0

General liability - claims made
($ in millions)															As of
Incurred Losses and ALAE, Net of Reinsurance															December 31, 2020
YEARS ENDED DECEMBER 31,																	Cumulative
																	Incurred
Accident	2014		2015														Claim
Year	Unaudited		Unaudited		2016		2017		2018		2019		2020		IBNR		Count
2014	$	61.7	$	69.9	$	83.9	$	86.2	$	82.5	$	82.9	$	82.4	$	0.9		906
2015				93.2		98.8		98.4		90.2		90.3		91.0		1.9		1,002
2016						103.6		101.7		97.1		89.7		95.2		4.7		1,011
2017								103.3		104.6		98.1		96.0		8.8		1,122
2018										120.9		127.8		132.5		14.3		1,386
2019												126.8		127.1		31.7		1,554
2020														142.8		76.3		2,514
Total													$	767.0

Cumulative Paid Losses and ALAE, Net of Reinsurance
YEARS ENDED DECEMBER 31,
Accident	2014		2015
Year	Unaudited		Unaudited		2016		2017		2018		2019		2020
2014	$	11.0	$	38.8	$	59.1	$	71.5	$	75.4	$	79.1	$	79.9
2015				10.0		43.6		64.2		76.0		81.8		83.7
2016						11.1		42.9		66.1		75.5		80.4
2017								12.3		42.3		67.2		76.5
2018										17.3		56.1		87.5
2019												17.8		56.7
2020														18.1
Total														482.8
Total reserves for 2014 – 2020 accident years (incurred - paid)														284.2
Total reserves for 2013 and prior accident years														3.8
Unallocated loss adjustment expense														5.1
Net reserves at December 31, 2020													$	293.1

Personal automobile liability
($ in millions)											As of
Incurred Losses and ALAE, Net of Reinsurance											December 31, 2020
YEARS ENDED DECEMBER 31,													Cumulative
													Incurred
Accident													Claim
Year	2016		2017		2018		2019		2020		IBNR		Count
2016		337.9		344.5		355.3		365.8	$	367.7	$	4.2		42,375
2017				363.6		362.3		383.4		392.2		9.7		42,993
2018						394.2		395.3		400.3		23.9		42,841
2019								431.2		431.8		67.0		41,703
2020										378.0		199.2		24,339
Total									$	1,970.0

Cumulative Paid Losses and ALAE, Net of Reinsurance
YEARS ENDED DECEMBER 31,
Accident
Year	2016		2017		2018		2019		2020
2016	$	112.8	$	213.1	$	288.0	$	329.4	$	346.3
2017				115.0		229.2		302.7		343.8
2018						121.7		237.2		307.4
2019								131.0		262.2
2020										95.9
Total										1,355.6
Total reserves for 2016 – 2020 accident years (incurred - paid)										614.4
Total reserves for 2015 and prior accident years										51.7
Unallocated loss adjustment expense										15.3
Net reserves at December 31, 2020									$	681.4

Homeowners
($ in millions)									As of
Incurred Losses and ALAE, Net of Reinsurance									December 31, 2020
YEARS ENDED DECEMBER 31,											Cumulative
											Incurred
Accident											Claim
Year	2017		2018		2019		2020		IBNR		Count
2017	$	291.4	$	296.5	$	297.3	$	295.2		0.6		33,474
2018				312.9		316.2		317.3		6.1		32,725
2019						344.5		345.3		14.3		33,582
2020								418.8		77.2		31,392
Total							$	1,376.6

Cumulative Paid Losses and ALAE, Net of Reinsurance
YEARS ENDED DECEMBER 31,
Accident
Year	2017		2018		2019		2020
2017	$	204.5	$	271.6	$	283.5	$	289.0
2018				213.7		290.1		300.8
2019						234.7		311.7
2020								281.5
Total								1,183.0
Total reserves for 2017 – 2020 accident years (incurred - paid)								193.6
Total reserves for 2016 and prior accident years								10.5
Unallocated loss adjustment expense								3.4
Net reserves at December 31, 2020							$	207.5

The following table is information about average historical claims duration as of December 31, 2020. The table is computed based on the paid and incurred claims data, net of reinsurance, for the accident years presented in the preceding claims development tables.

Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance:
Unaudited
	1			2			3			4			5			6			7			8			9			10
Commercial multiple peril		33.3	%		22.4	%		11.4	%		10.7	%		7.0	%		4.0	%		1.8	%		1.7	%
Workers' compensation		19.9	%		27.4	%		15.4	%		9.1	%		5.2	%		3.2	%		2.5	%		1.4	%		1.3	%		0.7	%
Commercial automobile liability		16.0	%		20.4	%		18.9	%		18.9	%		11.2	%		4.5	%		1.0	%
General liability and umbrella - occurrence		3.7	%		11.1	%		18.7	%		19.1	%		14.8	%		11.3	%		3.9	%		3.3	%		2.3	%		3.3	%
General liability - claims made		12.7	%		32.5	%		24.3	%		11.9	%		5.4	%		3.3	%		0.9	%
Personal automobile liability		29.2	%		28.9	%		18.9	%		10.9	%		4.6	%
Homeowners		68.0	%		23.0	%		3.7	%		1.8	%