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Reinsurance (Tables)
 12 Months Ended
Dec. 31, 2020
Reinsurance Disclosures [Abstract]  
Schedule of Effects of Reinsurance

The following table provides the effects of reinsurance.

YEARS ENDED DECEMBER 31

 

2020

 

 

2019

 

 

2018

 

 

(in millions)

 

 

 

 

 

 

 

 

 

 

 

 

 

Premiums written:

 

 

 

 

 

 

 

 

 

 

 

 

 

Direct

 

$

5,131.4

 

 

$

5,090.8

 

 

$

4,816.0

 

 

Assumed

 

 

23.1

 

 

 

27.7

 

 

 

27.6

 

 

Ceded

 

 

(556.0

)

 

 

(536.8

)

 

 

(458.8

)

 

Net premiums written

 

$

4,598.5

 

 

$

4,581.7

 

 

$

4,384.8

 

 

Premiums earned:

 

 

 

 

 

 

 

 

 

 

 

 

 

Direct

 

$

5,063.8

 

 

$

4,953.3

 

 

$

4,673.6

 

 

Assumed

 

 

24.6

 

 

 

26.3

 

 

 

26.6

 

 

Ceded

 

 

(561.0

)

 

 

(505.1

)

 

 

(445.8

)

 

Net premiums earned

 

$

4,527.4

 

 

$

4,474.5

 

 

$

4,254.4

 

 

Percentage of assumed to net premiums earned

 

 

0.5

 

%

 

0.6

 

%

 

0.6

 

%

Losses and LAE:

 

 

 

 

 

 

 

 

 

 

 

 

 

Direct

 

$

3,200.5

 

 

$

3,223.3

 

 

$

2,986.2

 

 

Assumed

 

 

15.9

 

 

 

21.4

 

 

 

25.2

 

 

Ceded

 

 

(371.2

)

 

 

(379.2

)

 

 

(286.8

)

 

Net losses and LAE

 

$

2,845.2

 

 

$

2,865.5

 

 

$

2,724.6