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Asbestos and Environmental LAE Disclosures
00077 - Disclosure - Asbestos and Environmental LAE Disclosures
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Disclosure of the aggregate amount of policy reserves related to asbestos and environmental claims as of the balance sheet...
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<p style='margin-top:9pt; margin-bottom:9pt'><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0px;">7</font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">. </font><font style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Asbestos and Environmental Losses and Loss Adjustment Expenses</font></p><p style='margin-top:0pt; margin-bottom:9pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:21.6px;">The Company has exposure to losses from asbestos, environmental pollution and other latent injury damage claims. Net unpaid asbestos and environmental losses and loss adjustment expenses as of June 30, 2010 were </font><font style="font-family:Times New Roman;font-size:10pt;">$</font><font style="font-family:Times New Roman;font-size:10pt;">263.0</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">million, representing </font><font style="font-family:Times New Roman;font-size:10pt;">5.6%</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">of total net unpaid losses and loss adjustment expenses, compared to $</font><font style="font-family:Times New Roman;font-size:10pt;">265.5</font><font style="font-family:Times New Roman;font-size:10pt;"> million, or 5.7% of total net unpaid losses and loss adjustment expenses as of December 31, 2009</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">Exposure arises from reinsurance contracts written by </font><font style="font-family:Times New Roman;font-size:10pt;">Clearwater</font><font style="font-family:Times New Roman;font-size:10pt;"> prior to 1986 under which the Company has assumed liabilities, on an indemnity or assumption basis, from ceding companies, primarily in connection with general liability insurance policies issued by such ceding companies. The Company's estimate of its ultimate liability for these exposures includes "case basis" reserves and a provision for liabilities incurred but not reported. Case basis reserves are a combination of reserves reported to the Company by ceding companies and additional case reserves determined by the Company. The provision for liabilities incurred but not reported is established based on an annual review of the Company's experience and external trends in reported loss and claim payments, with monitoring of emerging experience on a quarterly basis.</font></p><p style='margin-top:0pt; margin-bottom:9pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:21.6px;">Estimation of ultimate asbestos and environmental liabilities is unusually complex due to several factors resulting from the long period between exposure and manifestation of these claims. This lag can complicate the identification of the sources of asbestos and environmental exposure, the verification of coverage, and the allocation of liability among insurers and reinsurers over multiple years. This lag also exposes the claim settlement process to changes in underlying laws and judicial interpretations. There continues to be substantial uncertainty regarding the ultimate number of insureds with injuries resulting from these exposures.</font></p><p style='margin-top:0pt; margin-bottom:9pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:21.6px;">In addition, other issues have emerged regarding asbestos exposure that have further impacted the ability to estimate ultimate liabilities for this exposure. These issues include an increasingly aggressive plaintiffs' bar, an increased involvement of defendants with peripheral exposure, the use of bankruptcy filings due to asbestos liabilities as an attempt to resolve these liabilities to the disadvantage of insurers, the concentration of litigation in venues favorable to plaintiffs, and the potential of asbestos litigation reform at the state or federal level.</font></p><p style='margin-top:0pt; margin-bottom:9pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:21.6px;">The Company's reserves</font><font style="font-family:Times New Roman;font-size:10pt;"> for asbestos and environmental-</font><font style="font-family:Times New Roman;font-size:10pt;">related liabilities displayed below are from business written prior to 1986. The Company's asbestos and environmental reserve development, gross and net of reinsurance, for the six and three months ended</font><font style="font-family:Times New Roman;font-size:10pt;"> June 30, 2010</font><font style="font-family:Times New Roman;font-size:10pt;"> </font><font style="font-family:Times New Roman;font-size:10pt;">and</font><font style="font-family:Times New Roman;font-size:10pt;"> 2009</font><font style="font-family:Times New Roman;font-size:10pt;">, is set forth in the table below (in thousands)</font><font style="font-family:Times New Roman;font-size:10pt;">:</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 12px"><td style="width: 29px; text-align:center;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td colspan="5" style="width: 145px; text-align:center;border-color:#000000;min-width:145px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Six Months Ended</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td colspan="5" style="width: 145px; text-align:center;border-color:#000000;min-width:145px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">Three Months Ended</font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:center;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 12px"><td style="width: 29px; text-align:center;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td colspan="5" style="width: 145px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:145px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">June 30,</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td colspan="5" style="width: 145px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:145px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">June 30,</font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:center;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 12px"><td style="width: 29px; text-align:center;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td colspan="2" style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:64px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2010</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td colspan="2" style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:64px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2009</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td colspan="2" style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:64px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2010</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td colspan="2" style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:64px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 8pt;COLOR: #000000;TEXT-ALIGN: center;">2009</font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:center;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Asbestos</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Gross unpaid losses and loss adjustment </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">expenses, beginning of period</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 386,735</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 360,733</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 368,400</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 349,151</font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Add: Gross losses and loss adjustment </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">expenses incurred</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 28,500</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 28,500</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> </font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Less: Gross calendar period paid losses and </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">loss adjustment expenses</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 28,792</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 18,251</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 10,457</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 6,669</font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 21px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> Gross unpaid losses and loss </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 21px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">adjustment expenses, end of period</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 54px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 386,443</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 54px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 342,482</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 54px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 386,443</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:left;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">$</font></td><td style="width: 54px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 342,482</font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Net unpaid losses and loss adjustment </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 21px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">expenses, beginning of period</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 241,572</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 230,486</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 229,207</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 224,897</font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 15px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Add: Net losses and loss adjustment </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">expenses incurred</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 15,000</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 15,000</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> </font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Less: Net calendar period paid losses and</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;"> loss adjustment expenses</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 19,027</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 10,151</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 6,662</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 4,562</font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 21px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> Net unpaid losses and loss adjustment </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 21px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">expenses, end of period</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 237,545</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 220,335</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 237,545</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 220,335</font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 21px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Environmental</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Gross unpaid losses and loss adjustment </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">expenses, beginning of period</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 27,142</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 34,242</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 26,893</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 29,763</font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Add: Gross losses and loss adjustment </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">expenses incurred</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 4,000</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 4,000</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> </font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Less: Gross calendar year paid losses and </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">loss adjustment expenses</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 1,389</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 5,140</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 1,140</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 661</font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 21px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> Gross unpaid losses and loss </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 21px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">adjustment expenses, end of period</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 29,753</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 29,102</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 29,753</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 29,102</font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 15px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Net unpaid losses and loss adjustment </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 21px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">expenses, beginning of period</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 23,885</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 29,819</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 23,636</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 26,704</font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Add: Net losses and loss adjustment </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">expenses incurred</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 3,000</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 3,000</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> </font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;">Less: Net calendar period paid losses and</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 19px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">loss adjustment expenses</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 1,389</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 3,725</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 1,140</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 610</font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 21px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> Net unpaid losses and loss adjustment </font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:right;border-color:#000000;min-width:54px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 54px; text-align:left;border-color:#000000;min-width:54px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr><tr style="height: 21px"><td style="width: 29px; text-align:left;border-color:#000000;min-width:29px;"> </td><td style="width: 247px; text-align:left;border-color:#000000;min-width:247px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: left;">expenses, end of period</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 25,496</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 26,094</font></td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 25,496</font></td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 10px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:10px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;TEXT-ALIGN: right;">$</font></td><td style="width: 54px; border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:54px;"><font style="FONT-FAMILY: Times New Roman;FONT-SIZE: 10pt;COLOR: #000000;"> 26,094</font></td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td><td style="width: 30px; text-align:left;border-color:#000000;min-width:30px;"> </td></tr></table></div><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:9pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:21.6px;">Net losses and loss adjustment expenses for asbestos claims increased $15.0 million for both the six month and three month periods ended June 30, 2010, due to loss emergence greater than expectations in </font><font style="font-family:Times New Roman;font-size:10pt;">the three months ended June 30, 2010</font><font style="font-family:Times New Roman;font-size:10pt;">. The Company did not incur net losses and loss adjustment expenses for asbestos claims for either the six </font><font style="font-family:Times New Roman;font-size:10pt;">month or the three month period</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;"> ended June 30, 2009. Net losses and loss adjustment expenses for environmental claims increased $3.0 million for both the six month and three month periods ended June 30, 2010, due to loss emergence greater than expectations in the</font><font style="font-family:Times New Roman;font-size:10pt;"> three months ended June 30, 2010</font><font style="font-family:Times New Roman;font-size:10pt;">. The Company did not incur net losses and loss adjustment expenses for asbestos claims for either the six month or three month period</font><font style="font-family:Times New Roman;font-size:10pt;">s</font><font style="font-family:Times New Roman;font-size:10pt;"> ended June 30, 2009.</font></p><p style='margin-top:0pt; margin-bottom:9pt'><font style="font-family:Times New Roman;font-size:10pt;margin-left:21.6px;">The Company's survival ratio for asbestos and environmental-related liabilities as of June 30, 2010 is </font><font style="font-family:Times New Roman;font-size:10pt;">seven</font><font style="font-family:Times New Roman;font-size:10pt;"> years. The Company's underlying survival ratio for asbestos-related liabilities is </font><font style="font-family:Times New Roman;font-size:10pt;">seven</font><font style="font-family:Times New Roman;font-size:10pt;"> years and for environmental-related liabilities is </font><font style="font-family:Times New Roman;font-size:10pt;">four</font><font style="font-family:Times New Roman;font-size:10pt;"> years. The asbestos and environmental-related liability survival ratio represents the Company's asbestos and environmental reserves, net of reinsurance, as of June 30, 2010, divided by the average paid asbestos and environmental claims for the last three years of $3</font><font style="font-family:Times New Roman;font-size:10pt;">8</font><font style="font-family:Times New Roman;font-size:10pt;">.</font><font style="font-family:Times New Roman;font-size:10pt;">5</font><font style="font-family:Times New Roman;font-size:10pt;"> million, which is net of reinsurance. Our survival ratios may fluctuate over time due to the variability of large payments, and adjustments to liabilities. </font></p><p style='margin-top:0pt; margin-bottom:9pt'> </p>
7. Asbestos and Environmental Losses and Loss Adjustment ExpensesThe Company has exposure to losses from asbestos, environmental pollution and other latent
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Disclosure of the aggregate amount of policy reserves related to asbestos and environmental claims as of the balance sheet date.
No authoritative reference available.
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