Segment Information (Tables)

3 Months Ended

Mar. 31, 2025

The following table presents the Company's operating results by reportable segment:


	Three Months Ended March 31,
	2025						2024
	Property & Casualty		Other		Total		Property & Casualty		Other		Total

	(Amounts in millions)
Net premiums earned	$	1,275.8	$	7.3	$	1,283.1	$	1,159.4	$	7.3	$	1,166.7
Less:
Losses	1,065.6		3.7		1,069.3		782.2		3.6		785.8
Loss adjustment expenses	151.0		0.5		151.5		117.8		0.4		118.2
Losses and loss adjustment expenses	1,216.6		4.2		1,220.8		900.0		4.0		904.0
Policy acquisition costs	225.8		2.9		228.7		193.1		2.9		196.0
Other operating expenses	78.9		0.6		79.5		76.2		0.9		77.1
Underwriting loss	(245.5)		(0.4)		(245.9)		(9.9)		(0.5)		(10.4)
Investment income					81.5						65.0
Net realized investment gains					23.3						38.2
Other income					6.0						4.2
Interest expense					(7.2)						(7.8)
Pre-tax (loss) income					$	(142.3)					$	89.2
Net (loss) income					$	(108.3)					$	73.5

The following table presents the Company’s net premiums earned and direct premiums written by reportable segment and line of insurance business:


	Three Months Ended March 31,
	2025						2024
	Property & Casualty		Other		Total		Property & Casualty		Other		Total

	(Amounts in millions)
Private passenger automobile	$	858.6	$	—	$	858.6	$	754.3	$	—	$	754.3
Homeowners	256.0		—		256.0		266.9		—		266.9
Commercial automobile	95.3		—		95.3		89.2		—		89.2
Other	65.9		7.3		73.2		49.0		7.3		56.3
Net premiums earned	$	1,275.8	$	7.3	$	1,283.1	$	1,159.4	$	7.3	$	1,166.7

Private passenger automobile	$	906.5	$	—	$	906.5	$	825.5	$	—	$	825.5
Homeowners	344.2		—		344.2		302.1		—		302.1
Commercial automobile	106.5		—		106.5		104.0		—		104.0
Other	81.3		6.9		88.2		62.9		6.6		69.5
Direct premiums written	$	1,438.5	$	6.9	$	1,445.4	$	1,294.5	$	6.6	$	1,301.1