XML 52 R41.htm IDEA: XBRL DOCUMENT v3.4.0.3
6. Property and Casualty Insurance Activity (Details 2) - USD ($)
12 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Personal Lines [Member]    
Percent ceded 40.00% 55.00%
Risk retained $ 450,000 $ 360,000
Losses per occurrence subject to quota share reinsurance coverage 750,000 800,000
Excess of loss coverage above quota share coverage 3,750,000 3,200,000
In excess of 750,000 800,000
Total reinsurance coverage per occurrence 4,050,000 3,640,000
Losses per occurrence subject to reinsurance coverage $ 4,500,000 $ 4,000,000
Expiration date Jun. 30, 2016 Jun. 30, 2015
Personal Umbrella [Member]    
Percent ceded - first million dollars of coverage 90.00% 90.00%
Percent ceded - excess of one million dollars of coverage 100.00% 100.00%
Risk retained $ 100,000 $ 100,000
Losses per occurrence subject to quota share reinsurance coverage 3,000,000 3,000,000
Total reinsurance coverage per occurrence $ 2,900,000 $ 2,900,000
Expiration date Jun. 30, 2016 Jun. 30, 2015
Commercial Lines [Member]    
Percent ceded (terminated effective July 1, 2014) 0.00% 0.00%
Risk retained $ 425,000 $ 400,000
Losses per occurrence subject to quota share reinsurance coverage 0 0
Excess of loss coverage above quota share coverage 4,075,000 3,600,000
In excess of 425,000 400,000
Total reinsurance coverage per occurrence 4,075,000 3,600,000
Losses per occurrence subject to reinsurance coverage 4,500,000 4,000,000
Commercial Auto [Member]    
Risk retained 300,000 300,000
Excess of loss coverage above quota share coverage 1,700,000 1,700,000
In excess of 300,000 300,000
Catastrophe [Member]    
Initial loss subject to personal lines quota share treaty 4,000,000 4,000,000
Risk retained per catastrophe occurrence (1) [1] 2,400,000 1,800,000
Catastrophe loss coverage in excess of quota share coverage (2) (3) [2],[3] $ 176,000,000 $ 137,000,000
Severe winter weather aggregate [3] Yes Yes
Reinstatement premium protection [4] Yes No
[1] Plus losses in excess of catastrophe coverage.
[2] Catastrophe coverage is limited on an annual basis to two times the per occurrence amounts. Effective July 1, 2015, the duration of a catastrophe occurrence from windstorm, hail, tornado, hurricane and cyclone was extended to 120 consecutive hours from 96 consecutive hours.
[3] Effective July 1, 2014, our catastrophe treaty also covers losses caused by severe winter weather during any consecutive 28 day period.
[4] Effective July 1, 2015, reinstatement premium protection for $16,000,000 of catastrophe coverage in excess of $4,000,000.