Reserve for Losses and Loss Adjustment Expenses (Tables)

12 Months Ended

Dec. 31, 2019

Schedule of reserve for losses and loss adjustment expenses

Activity in the reserve for losses and loss adjustment expenses is summarized as follows:



(In thousands)	2019			2018			2017
Balance, beginning of year	$	2,119,847		$	2,048,381		$	1,993,428
Less reinsurance recoverables on unpaid losses and loss adjustment expenses	343,820			335,585			273,475
Net balance, beginning of year	1,776,027			1,712,796			1,719,953
Net losses:
Current year*	765,698			685,326			603,518
Favorable development of reserves established in prior years, net	(11,783		)	(92,116		)	(134,360		)
Total	753,915			593,210			469,158
Paid related to:
Current year	(115,133		)	(117,268		)	(106,633		)
Prior years	(458,991		)	(412,711		)	(369,682		)
Total paid	(574,124		)	(529,979		)	(476,315		)
Net balance, end of year	1,955,818			1,776,027			1,712,796
Plus reinsurance recoverables on unpaid losses and loss adjustment expenses	390,708			343,820			335,585
Balance, end of year	$	2,346,526		$	2,119,847		$	2,048,381
* Current year net losses in 2019 included a PDR of $9.2 million associated with the unearned premium of a large national healthcare account in the Company's Specialty P&C segment (see Note 7). Current year net losses in 2018 included incurred losses of $25.4 million related to a loss portfolio transfer entered into during the second quarter of 2018 (see Note 4).

Schedule of short-duration insurance contracts claims development

Medical Technology Liability Claims-Made



Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance																					December 31, 2019
($ in thousands)	Year Ended December 31,																				IBNR*		Cumulative Number of Reported Claims
	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019
Accident Year	Unaudited
2010	$	26,077	$	27,063	$	25,175	$	23,307	$	19,315	$	17,439	$	16,047	$	16,878	$	18,611	$	17,865	$	93	497
2011	—		$	17,249	$	20,930	$	19,166	$	15,836	$	13,794	$	12,487	$	12,358	$	8,202	7,944		$	262	522
2012	—		—		$	11,162	$	9,989	$	8,906	$	7,441	$	5,824	$	4,797	$	5,051	3,889		$	65	221
2013	—		—		—		$	9,807	$	9,955	$	9,536	$	7,226	$	4,697	$	3,566	3,504		$	318	218
2014	—		—		—		—		$	9,989	$	10,306	$	9,012	$	8,984	$	7,679	6,194		$	1,058	272
2015	—		—		—		—		—		$	9,376	$	8,757	$	7,193	$	5,929	5,081		$	1,585	155
2016	—		—		—		—		—		—		$	9,200	$	8,467	$	7,413	6,422		$	1,829	182
2017	—		—		—		—		—		—		—		$	11,049	$	10,143	8,306		$	5,782	95
2018	—		—		—		—		—		—		—		—		$	10,141	8,108		$	7,280	217
2019	—		—		—		—		—		—		—		—		—		10,072		$	8,923	310
Total																			$	77,385
* Includes expected development on reported claims



Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
(In thousands)	Year Ended December 31,
	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019
Accident Year	Unaudited
2010	$	485	$	3,557	$	8,491	$	12,283	$	11,725	$	12,146	$	12,253	$	15,366	$	17,660	$	17,661
2011	—		$	118	$	2,034	$	3,846	$	5,062	$	7,376	$	7,240	$	7,799	$	7,664	7,665
2012	—		—		$	568	$	1,520	$	2,805	$	3,247	$	3,366	$	3,676	$	3,800	3,817
2013	—		—		—		$	102	$	1,029	$	1,967	$	2,599	$	3,092	$	3,102	3,102
2014	—		—		—		—		$	388	$	1,527	$	2,564	$	3,046	$	3,724	3,776
2015	—		—		—		—		—		$	25	$	440	$	1,625	$	2,097	2,567
2016	—		—		—		—		—		—		$	53	$	1,690	$	2,365	2,959
2017	—		—		—		—		—		—		—		$	56	$	1,681	2,017
2018	—		—		—		—		—		—		—		—		$	6	191
2019	—		—		—		—		—		—		—		—		—		584
Total																			44,339

All outstanding liabilities before 2010, net of reinsurance																			789
Liabilities for losses and loss adjustment expenses, net of reinsurance																			$	33,835

Syndicate 1729 Casualty



Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance													December 31, 2019
($ in thousands)	Year Ended December 31,												IBNR⁽¹⁾		Cumulative Number of Reported Claims⁽²⁾
	2014		2015		2016		2017		2018		2019
Accident Year	Unaudited
2014	$	6,110	$	5,812	$	5,610	$	5,547	$	5,472	$	5,432	$	733	nm
2015	—		$	14,810	$	14,510	$	14,398	$	14,232	14,181		$	1,432	nm
2016	—		—		$	19,535	$	19,669	$	19,552	19,344		$	3,961	nm
2017	—		—		—		$	22,069	$	21,824	21,207		$	5,242	nm
2018	—		—		—		—		$	18,688	18,120		$	10,908	nm
2019	—		—		—		—		—		15,990		$	14,053	nm
Total											$	94,274
⁽¹⁾ Includes expected development on reported claims
⁽²⁾ The abbreviation "nm" indicates that the information is not meaningful



Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
(In thousands)	Year Ended December 31,
	2014		2015		2016		2017		2018		2019
Accident Year	Unaudited
2014	$	20	$	474	$	4,092	$	4,214	$	4,320	$	4,580
2015	—		$	724	$	6,307	$	10,313	$	10,947	11,654
2016	—		—		$	2,495	$	8,441	$	12,869	13,596
2017	—		—		—		$	2,611	$	8,301	12,871
2018	—		—		—		—		$	1,852	4,905
2019	—		—		—		—		—		1,124
Total											48,730

All outstanding liabilities before 2014, net of reinsurance											—
Liabilities for losses and loss adjustment expenses, net of reinsurance											$	45,544

Syndicate 1729 Property Insurance



Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance													December 31, 2019
($ in thousands)	Year Ended December 31,												IBNR*			Cumulative Number of Reported Claims
	2014		2015		2016		2017		2018		2019
Accident Year	Unaudited
2014	$	890	$	1,089	$	888	$	864	$	866	$	831	$	(43	)	68
2015	—		$	5,519	$	5,917	$	6,194	$	6,159	5,886		$	753		537
2016	—		—		$	11,896	$	12,984	$	12,823	12,475		$	(27	)	1,454
2017	—		—		—		$	15,018	$	17,634	19,976		$	634		2,640
2018	—		—		—		—		$	20,636	21,888		$	1,506		3,344
2019	—		—		—		—		—		18,010		$	5,887		3,053
Total											$	79,066
* Includes expected development on reported claims



Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
(In thousands)	Year Ended December 31,
	2014		2015		2016		2017		2018		2019
Accident Year	Unaudited
2014	$	267	$	1,005	$	836	$	854	$	857	$	860
2015	—		$	3,165	$	4,022	$	4,808	$	4,869	5,018
2016	—		—		$	7,751	$	10,939	$	12,343	12,400
2017	—		—		—		$	8,221	$	16,439	19,404
2018	—		—		—		—		$	9,918	17,248
2019	—		—		—		—		—		5,575
Total											60,505

All outstanding liabilities before 2014, net of reinsurance											—
Liabilities for losses and loss adjustment expenses, net of reinsurance											$	18,561

Syndicate 1729 Property Reinsurance



Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance													December 31, 2019
($ in thousands)	Year Ended December 31,												IBNR⁽¹⁾			Cumulative Number of Reported Claims ⁽²⁾
	2014		2015		2016		2017		2018		2019
Accident Year	Unaudited
2014	$	831	$	929	$	989	$	989	$	1,125	$	1,120	$	—		nm
2015	—		$	2,788	$	2,825	$	2,275	$	2,328	2,377		$	—		nm
2016	—		—		$	4,497	$	4,050	$	3,368	2,832		$	438		nm
2017	—		—		—		$	6,861	$	7,832	6,868		$	(1,935	)	nm
2018	—		—		—		—		$	8,840	6,398		$	5,215		nm
2019	—		—		—		—		—		10,977		$	3,994		nm
Total											$	30,572
⁽¹⁾ Includes expected development on reported claims
⁽²⁾ The abbreviation "nm" indicates that the information is not meaningful



Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
(In thousands)	Year Ended December 31,
	2014		2015		2016		2017		2018		2019
Accident Year	Unaudited
2014	$	79	$	917	$	984	$	984	$	1,125	$	1,120
2015	—		$	1,313	$	1,804	$	1,996	$	2,234	2,267
2016	—		—		$	613	$	1,667	$	2,136	2,192
2017	—		—		—		$	4,147	$	7,300	8,947
2018	—		—		—		—		$	547	1,644
2019	—		—		—		—		—		4,974
Total											21,144

All outstanding liabilities before 2014, net of reinsurance											—
Liabilities for losses and loss adjustment expenses, net of reinsurance											$	9,428

Segregated Portfolio Cell Reinsurance - Workers' Compensation



Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance																					December 31, 2019
($ in thousands)	Year Ended December 31,																				IBNR*		Cumulative Number of Reported Claims
	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019
Accident Year	Unaudited
2010	$	19,767	$	18,265	$	17,715	$	17,825	$	17,736	$	17,541	$	17,320	$	17,278	$	17,224	$	17,119	$	170	2,914
2011	—		$	18,790	$	19,360	$	19,629	$	19,282	$	18,644	$	18,725	$	18,666	$	18,606	18,522		$	339	3,154
2012	—		—		$	22,940	$	21,513	$	21,048	$	20,028	$	19,972	$	19,864	$	19,799	19,727		$	388	3,454
2013	—		—		—		$	23,809	$	25,310	$	26,758	$	26,619	$	26,260	$	26,033	25,938		$	498	3,723
2014	—		—		—		—		$	28,248	$	28,423	$	29,000	$	28,373	$	28,281	27,919		$	664	4,433
2015	—		—		—		—		—		$	36,423	$	32,519	$	28,746	$	27,548	26,720		$	819	4,949
2016	—		—		—		—		—		—		$	37,601	$	34,055	$	30,998	29,424		$	1,092	5,327
2017	—		—		—		—		—		—		—		$	42,725	$	38,594	34,246		$	2,141	5,703
2018	—		—		—		—		—		—		—		—		$	43,654	41,283		$	6,623	6,337
2019	—		—		—		—		—		—		—		—		—		48,505		$	20,653	5,965
Total																			$	289,403
* Includes expected development on reported claims



Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
(In thousands)	Year Ended December 31,
	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019
Accident Year	Unaudited
2010	$	6,503	$	12,904	$	15,087	$	16,214	$	16,757	$	16,842	$	16,810	$	16,850	$	16,904	$	16,904
2011	—		$	5,940	$	14,045	$	17,197	$	17,869	$	18,054	$	18,177	$	18,176	$	18,185	18,185
2012	—		—		$	7,808	$	14,740	$	17,728	$	18,474	$	19,208	$	19,402	$	19,328	19,311
2013	—		—		—		$	8,131	$	19,054	$	24,268	$	25,209	$	25,366	$	25,489	25,440
2014	—		—		—		—		$	9,933	$	21,880	$	26,173	$	26,810	$	26,959	27,083
2015	—		—		—		—		—		$	11,257	$	21,706	$	23,977	$	24,781	25,033
2016	—		—		—		—		—		—		$	10,980	$	23,003	$	26,285	27,162
2017	—		—		—		—		—		—		—		$	12,404	$	24,791	28,853
2018	—		—		—		—		—		—		—		—		$	12,517	27,501
2019	—		—		—		—		—		—		—		—		—		15,100
Total																			230,572

All outstanding liabilities before 2010, net of reinsurance																			95
Liabilities for losses and loss adjustment expenses, net of reinsurance																			$	58,926

Healthcare Professional Liability Claims-Made



Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance																					December 31, 2019
($ in thousands)	Year Ended December 31,																				IBNR*			Cumulative Number of Reported Claims
	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019
Accident Year	Unaudited
2010	$	364,996	$	354,787	$	338,170	$	312,813	$	291,553	$	279,713	$	270,484	$	258,466	$	257,714	$	254,974	$	(1,161	)	3,845
2011	—		$	348,916	$	344,808	$	331,884	$	305,540	$	289,400	$	278,258	$	264,777	$	254,329	253,163		$	(1,377	)	3,530
2012	—		—		$	341,289	$	324,418	$	319,613	$	306,956	$	291,075	$	279,589	$	271,110	266,629		$	(1,040	)	3,699
2013	—		—		—		$	315,346	$	304,209	$	296,550	$	287,140	$	272,364	$	258,251	248,594		$	(4,737	)	3,767
2014	—		—		—		—		$	290,020	$	289,397	$	280,043	$	267,442	$	256,968	244,607		$	(4,466	)	3,315
2015	—		—		—		—		—		$	276,492	$	269,980	$	271,138	$	270,814	256,785		$	(13,965	)	3,267
2016	—		—		—		—		—		—		$	271,765	$	274,643	$	287,551	293,515		$	(6,524	)	3,534
2017	—		—		—		—		—		—		—		$	283,746	$	295,883	331,304		$	(3,097	)	3,869
2018	—		—		—		—		—		—		—		—		$	320,772	377,908		$	33,282		3,980
2019	—		—		—		—		—		—		—		—		—		377,242		$	225,384		3,134
Total																			$	2,904,721
* Includes expected development on reported claims



Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
(In thousands)	Year Ended December 31,
	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019
Accident Year	Unaudited
2010	$	15,464	$	69,551	$	137,712	$	180,432	$	209,777	$	221,693	$	236,171	$	240,945	$	243,675	$	246,974
2011	—		$	14,417	$	71,208	$	133,004	$	177,089	$	198,112	$	214,502	$	224,982	$	233,103	237,605
2012	—		—		$	15,382	$	73,571	$	145,488	$	190,997	$	215,220	$	231,652	$	244,512	250,806
2013	—		—		—		$	16,938	$	69,657	$	127,496	$	171,681	$	197,265	$	213,879	220,402
2014	—		—		—		—		$	16,764	$	59,485	$	116,791	$	154,236	$	186,239	200,392
2015	—		—		—		—		—		$	9,172	$	55,731	$	111,741	$	161,896	195,047
2016	—		—		—		—		—		—		$	9,027	$	51,869	$	109,756	164,811
2017	—		—		—		—		—		—		—		$	16,309	$	63,171	134,787
2018	—		—		—		—		—		—		—		—		$	14,051	79,291
2019	—		—		—		—		—		—		—		—		—		17,838
Total																			1,747,953

All outstanding liabilities before 2010, net of reinsurance																			9,771
Liabilities for losses and loss adjustment expenses, net of reinsurance																			$	1,166,539

Healthcare Professional Liability Occurrence



Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance																					December 31, 2019
($ in thousands)	Year Ended December 31,																				IBNR*			Cumulative Number of Reported Claims
	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019
Accident Year	Unaudited
2010	$	41,721	$	43,238	$	43,195	$	42,233	$	37,920	$	35,831	$	33,361	$	29,338	$	26,501	$	24,898	$	277		291
2011	—		$	45,882	$	44,956	$	41,453	$	39,917	$	37,150	$	35,004	$	32,343	$	29,784	27,533		$	21		342
2012	—		—		$	45,703	$	46,513	$	44,848	$	40,692	$	34,774	$	32,691	$	29,857	25,705		$	(778	)	398
2013	—		—		—		$	32,746	$	36,602	$	35,624	$	34,393	$	30,906	$	26,919	24,857		$	(658	)	358
2014	—		—		—		—		$	30,420	$	29,918	$	32,143	$	29,869	$	25,885	22,243		$	(352	)	346
2015	—		—		—		—		—		$	35,648	$	35,347	$	37,346	$	40,960	36,468		$	(170	)	359
2016	—		—		—		—		—		—		$	29,609	$	28,790	$	27,240	25,019		$	(349	)	357
2017	—		—		—		—		—		—		—		$	24,571	$	23,760	21,148		$	10,738		360
2018	—		—		—		—		—		—		—		—		$	38,420	41,555		$	25,403		294
2019	—		—		—		—		—		—		—		—		—		35,420		$	31,148		179
Total																			$	284,846
* Includes expected development on reported claims



Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
(In thousands)	Year Ended December 31,
	2010		2011		2012		2013		2014		2015			2016			2017			2018			2019
Accident Year	Unaudited
2010	$	285	$	1,881	$	5,647	$	9,120	$	15,147	$	21,837		$	22,804		$	23,313		$	23,832		$	23,981
2011	—		$	291	$	2,803	$	8,059	$	16,544	$	19,197		$	21,416		$	23,194		$	24,539		24,933
2012	—		—		$	363	$	2,430	$	7,705	$	12,212		$	19,275		$	21,435		$	23,095		23,600
2013	—		—		—		$	369	$	3,170	$	7,826		$	14,753		$	16,787		$	18,949		21,241
2014	—		—		—		—		$	394	$	2,260		$	7,460		$	10,519		$	14,604		17,024
2015	—		—		—		—		—		$	(350	)	$	786		$	4,854		$	11,626		15,462
2016	—		—		—		—		—		—			$	(182	)	$	(195	)	$	2,883		10,576
2017	—		—		—		—		—		—			—			$	(6,809	)	$	(5,858	)	(2,765		)
2018	—		—		—		—		—		—			—			—			$	65		2,098
2019	—		—		—		—		—		—			—			—			—			439
Total																							136,589

All outstanding liabilities before 2010, net of reinsurance																							6,998
Liabilities for losses and loss adjustment expenses, net of reinsurance																							$	155,255

Workers' Compensation Insurance



Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance																					December 31, 2019
($ in thousands)	Year Ended December 31,																				IBNR*			Cumulative Number of Reported Claims
	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019
Accident Year	Unaudited
2010	$	55,852	$	55,852	$	55,852	$	54,837	$	54,779	$	55,200	$	54,600	$	54,600	$	54,600	$	54,400	$	(98	)	12,913
2011	—		$	65,665	$	65,783	$	71,521	$	72,280	$	72,420	$	72,495	$	72,495	$	72,495	72,445		$	1,658		15,244
2012	—		—		$	80,285	$	76,551	$	75,848	$	76,357	$	75,836	$	75,576	$	75,076	75,076		$	790		16,204
2013	—		—		—		$	86,973	$	85,935	$	86,928	$	88,010	$	87,260	$	87,260	89,760		$	1,420		16,429
2014	—		—		—		—		$	93,019	$	93,529	$	93,029	$	93,029	$	93,029	93,029		$	3,395		16,210
2015	—		—		—		—		—		$	100,101	$	100,454	$	98,454	$	97,654	96,354		$	5,871		16,549
2016	—		—		—		—		—		—		$	101,348	$	97,348	$	92,148	84,799		$	4,311		15,977
2017	—		—		—		—		—		—		—		$	99,874	$	99,874	99,874		$	6,274		16,077
2018	—		—		—		—		—		—		—		—		$	118,095	118,095		$	8,393		17,991
2019	—		—		—		—		—		—		—		—		—		119,752		$	39,118		17,082
Total																			$	903,584
* Includes expected development on reported claims



Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
(In thousands)	Year Ended December 31,
	2010		2011		2012		2013		2014		2015		2016		2017		2018		2019
Accident Year	Unaudited
2010	$	20,086	$	39,098	$	46,762	$	51,117	$	52,530	$	53,443	$	53,734	$	53,974	$	54,014	$	54,207
2011	—		$	21,993	$	50,900	$	62,307	$	67,945	$	70,146	$	70,934	$	71,662	$	71,856	71,927
2012	—		—		$	27,448	$	56,122	$	65,908	$	70,558	$	72,766	$	73,662	$	73,676	73,768
2013	—		—		—		$	30,554	$	63,825	$	76,813	$	82,369	$	85,689	$	86,783	87,466
2014	—		—		—		—		$	30,368	$	65,922	$	77,631	$	85,022	$	87,314	87,998
2015	—		—		—		—		—		$	32,078	$	65,070	$	78,947	$	83,483	86,528
2016	—		—		—		—		—		—		$	28,377	$	58,192	$	69,237	74,886
2017	—		—		—		—		—		—		—		$	31,586	$	70,333	82,289
2018	—		—		—		—		—		—		—		—		$	41,619	86,063
2019	—		—		—		—		—		—		—		—		—		40,994
Total																			746,126

All outstanding liabilities before 2010, net of reinsurance																			3,347
Liabilities for losses and loss adjustment expenses, net of reinsurance																			$	160,805

Schedule of historical claims duration



Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
Years	1		2		3		4		5		6		7		8		9		10
	Unaudited
Medical Technology Liability	3.6	%	18.5	%	20.6	%	13.2	%	10.6	%	2.0	%	2.7	%	5.4	%	6.4	%	—	%



Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
Years	1		2		3		4		5		6		7		8		9		10
	Unaudited
Syndicate 1729 Casualty	18.7	%	40.3	%	22.6	%	12.8	%	3.2	%	1.1	%	1.0	%	0.4	%	—	%	—	%
Syndicate 1729 Property Insurance	81.4	%	15.9	%	2.1	%	0.2	%	0.2	%	0.1	%	0.1	%	0.1	%	—	%	—	%
Syndicate 1729 Property Reinsurance	82.0	%	13.3	%	2.8	%	1.1	%	0.4	%	0.2	%	0.1	%	—	%	—	%	—	%



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

Years	1	2	3	4	5	6	7	8	9	10
	Unaudited
Healthcare Professional Liability Claims-Made	5.1%	18.7%	23.5%	17.5%	10.9%	6.0%	4.3%	2.5%	1.4%	1.3%
Healthcare Professional Liability Occurrence	(2.6%)	6.2%	16.9%	21.9%	16.4%	12.6%	6.5%	3.0%	1.8%	0.6%



Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
Years	1		2		3		4		5		6		7		8		9		10
	Unaudited
Segregated Portfolio Cell Reinsurance - Workers' Compensation	35.4	%	39.3	%	14.0	%	3.7	%	1.7	%	0.6	%	(0.2	%)	0.1	%	0.2	%	—	%



Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
Years	1		2		3		4		5		6		7		8		9		10
	Unaudited
Workers' Compensation Insurance	33.8	%	37.1	%	13.7	%	6.8	%	3.0	%	1.2	%	0.6	%	0.3	%	0.1	%	0.4	%

Schedule of reconciliation of claims development to liability

Below is a reconciliation of the claims development information to the Consolidated Balance Sheet:



(In thousands)	December 31, 2019
Net outstanding liabilities
Healthcare professional liability claims-made	$	1,166,539
Healthcare professional liability occurrence	155,255
Medical technology liability claims-made	33,835
Workers' compensation insurance	160,805
Segregated portfolio cell reinsurance - workers' compensation	58,926
Syndicate 1729 casualty	45,544
Syndicate 1729 property insurance	18,561
Syndicate 1729 property reinsurance	9,428
Other short-duration lines	102,997
Liabilities for losses and loss adjustment expenses, net of reinsurance	1,751,890

Reinsurance recoverable on unpaid losses
Healthcare professional liability claims-made	184,645
Healthcare professional liability occurrence	45,827
Medical technology liability claims-made	31,771
Workers' compensation insurance	62,314
Segregated portfolio cell reinsurance - workers' compensation	35,200
Syndicate 1729 casualty	1,724
Syndicate 1729 property insurance	10,754
Syndicate 1729 property reinsurance	12,826
Other short-duration lines	5,647
Total reinsurance recoverable on unpaid losses and loss adjustment expenses	390,708

Reserve for the future utilization of the DDR benefit	74,200
Unallocated loss adjustment expenses	103,600
Loss portfolio transfers ⁽¹⁾	16,983
Premium deficiency reserve ⁽²⁾	9,200
Other	(55		)
	203,928
Gross liability for losses and loss adjustment expenses	$	2,346,526
⁽¹⁾ Represents the reserve for retroactive coverages, net of any applicable deferred gains, related to loss portfolio transfers during entered into during 2019 and 2018 (see Note 4).
⁽²⁾ Represents the estimated premium deficiency associated with the unearned premium of a large national healthcare account in the Company's Specialty P&C segment (see Note 7).