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Property and Casualty Insurance Reserves (Tables)
 12 Months Ended
Dec. 31, 2023
Liability for Future Policy Benefits and Unpaid Claims and Claims Adjustment Expense [Abstract]  
Short-duration Insurance Contracts, Claims Development
NOTE 6. PROPERTY AND CASUALTY INSURANCE RESERVES (Continued)
Specialty Personal Automobile Insurance—Liability1
DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMSAs of December 31, 2023
Incurred Losses and Allocated LAE, Net of Reinsurance
For the Years Ended December 31,		Total of IBNR Liabilities Plus Expected Development on Reported ClaimsCumulative Number of Reported Claims
Accident Year20192020202120222023
2019$1,461.5 $1,494.7 $1,506.1 $1,508.3 $1,516.1 $20.0 547,437 
20201,401.2 1,406.4 1,407.8 1,415.9 29.9 475,894 
20211,856.9 1,824.7 1,844.2 75.9 585,665 
20221,765.9 1,848.7 169.3 471,990 
20231,448.7 537.1 282,423 
Total8,073.6 
Cumulative Paid Losses and Allocated LAE, Net of Reinsurance
For the Years Ended December 31,
Accident Year20192020202120222023
2019$567.3 $1,200.7 $1,382.0 $1,452.3 $1,482.1 
2020555.2 1,107.6 1,287.8 1,350.0 
2021657.1 1,429.4 1,680.8 
2022738.2 1,463.3 
2023580.4 
Total6,556.6 
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2019, Net of Reinsurance27.9 
Loss and Allocated LAE Reserves, Net of Reinsurance$1,544.9 
1 Tables retrospectively include American Access Casualty Company’s (“AAC”) historical incurred and paid accident year claim information for all periods presented.
NOTE 6. PROPERTY AND CASUALTY INSURANCE RESERVES (Continued)
Specialty Personal Automobile Insurance—Physical Damage1
DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMSAs of December 31, 2023
Incurred Losses and Allocated LAE, Net of Reinsurance
For the Years Ended December 31,		Total of IBNR Liabilities Plus Expected Development on Reported ClaimsCumulative Number of Reported Claims
Accident Year20192020202120222023
2019$624.3 $630.3 $629.6 $629.7 $629.5 $(9.2)324,516 
2020650.5 659.5 659.5 659.0 (0.5)296,411 
2021958.0 967.5 967.2 (1.9)361,864 
2022993.5 989.5 (9.7)308,705 
2023722.6 (6.2)199,413 
Total3,967.8 
Cumulative Paid Losses and Allocated LAE, Net of Reinsurance
For the Years Ended December 31,
Accident Year20192020202120222023
2019$570.8 $634.8 $630.6 $630.0 $629.8 
2020585.5 663.8 659.7 658.8 
2021890.1 977.5 968.3 
2022921.9 997.8 
2023699.2 
Total3,953.9 
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2019, Net of Reinsurance(2.8)
Loss and Allocated LAE Reserves, Net of Reinsurance$11.1 
1 Tables retrospectively include AAC’s historical incurred and paid accident year claim information for all periods presented.
NOTE 6. PROPERTY AND CASUALTY INSURANCE RESERVES (Continued)
Commercial Automobile Insurance—Liability
DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMSAs of December 31, 2023
Incurred Losses and Allocated LAE, Net of Reinsurance
For the Years Ended December 31,		Total of IBNR Liabilities Plus Expected Development on Reported ClaimsCumulative Number of Reported Claims
Accident Year20192020202120222023
2019$128.4 $126.1 $126.6 $128.1 $129.8 $5.7 19,641 
2020140.5 152.0 154.0 155.6 7.4 19,627 
2021225.6 228.6 240.4 24.8 27,382 
2022305.1 309.1 67.1 32,102 
2023379.9 201.4 31,970 
Total1,214.8 
Cumulative Paid Losses and Allocated LAE, Net of Reinsurance and Indemnification
For the Years Ended December 31,
Accident Year20192020202120222023
2019$32.4 $75.7 $99.5 $113.1 $121.9 
202037.0 87.6 111.7 129.7 
202150.8 128.0 168.6 
202272.2 159.0 
202387.5 
Total666.7 
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2019, Net of Reinsurance11.4 
Loss and Allocated LAE Reserves, Net of Reinsurance$559.5 
NOTE 6. PROPERTY AND CASUALTY INSURANCE RESERVES (Continued)
Commercial Automobile Insurance—Physical Damage
DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMSAs of December 31, 2023
Incurred Losses and Allocated LAE, Net of Reinsurance
For the Years Ended December 31,		Total of IBNR Liabilities Plus Expected Development on Reported ClaimsCumulative Number of Reported Claims
Accident Year20192020202120222023
2019$26.0 $27.1 $26.9 $26.8 $26.8 $(0.5)9,317 
202031.9 32.2 32.1 32.1 — 11,044 
202152.4 51.9 51.6 0.2 17,724 
202274.5 74.7 (0.2)21,541 
202390.0 4.8 19,056 
Total275.2 
Cumulative Paid Losses and Allocated LAE, Net of Reinsurance and Indemnification
For the Years Ended December 31,
Accident Year20192020202120222023
2019$23.0 $26.9 $26.8 $26.8 $26.9 
202026.2 31.9 32.0 32.0 
202143.3 51.9 51.4 
202266.8 74.6 
202380.6 
Total265.5 
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2019, Net of Reinsurance— 
Loss and Allocated LAE Reserves, Net of Reinsurance$9.7 
NOTE 6. PROPERTY AND CASUALTY INSURANCE RESERVES (Continued)
Non-Core Personal Automobile Insurance—Liability
DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMSAs of December 31, 2023
Incurred Losses and Allocated LAE, Net of Reinsurance
For the Years Ended December 31,		Total of IBNR Liabilities Plus Expected Development on Reported ClaimsCumulative Number of Reported Claims
Accident Year20192020202120222023
2019$172.2 $195.5 $200.0 $201.8 $204.8 $1.6 34,622 
2020148.9 153.6 151.8 158.8 3.1 24,664 
2021176.9 179.8 180.6 9.3 27,173 
2022165.0 172.4 19.9 24,019 
2023135.0 47.1 15,795 
Total851.6 
Cumulative Paid Losses and Allocated LAE, Net of Reinsurance
For the Years Ended December 31,
Accident Year20192020202120222023
2019$62.7 $127.9 $160.8 $181.1 $193.5 
202044.4 92.8 117.7 141.4 
202150.3 106.1 144.1 
202255.0 111.0 
202343.7 
Total633.7 
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2019, Net of Reinsurance8.2 
Loss and Allocated LAE Reserves, Net of Reinsurance$226.1 
NOTE 6. PROPERTY AND CASUALTY INSURANCE RESERVES (Continued)
Non-Core Personal Automobile Insurance—Physical Damage
DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMSAs of December 31, 2023
Incurred Losses and Allocated LAE, Net of Reinsurance
For the Years Ended December 31,		Total of IBNR Liabilities Plus Expected Development on Reported ClaimsCumulative Number of Reported Claims
Accident Year20192020202120222023
2019$126.4 $125.8 $125.9 $125.8 $125.4 $— 67,108 
202096.1 98.0 97.9 97.5 — 47,589 
2021118.5 117.9 117.1 (0.2)53,477 
2022110.9 113.5 (1.1)48,108 
202386.6 (1.3)32,552 
Total540.1 
Cumulative Paid Losses and Allocated LAE, Net of Reinsurance
For the Years Ended December 31,
Accident Year20192020202120222023
2019$120.7 $126.5 $125.6 $125.4 $125.4 
202090.9 98.4 97.6 97.5 
2021113.1 118.1 117.2 
2022108.7 114.6 
202384.8 
Total539.5 
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2019, Net of Reinsurance— 
Loss and Allocated LAE Reserves, Net of Reinsurance$0.6 
NOTE 6. PROPERTY AND CASUALTY INSURANCE RESERVES (Continued)
Non-Core Homeowners Insurance
DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMSAs of December 31, 2023
Incurred Losses and Allocated LAE, Net of Reinsurance
For the Years Ended December 31,		Total of IBNR Liabilities Plus Expected Development on Reported ClaimsCumulative Number of Reported Claims
Accident Year20192020202120222023
2019$162.9 $161.8 $163.1 $162.8 $161.6 $0.4 14,531 
2020157.0 149.8 144.6 141.2 0.4 14,074 
2021149.9 149.8 143.9 0.9 13,620 
2022142.7 152.7 1.7 11,463 
2023126.6 12.8 8,913 
Total726.0 
Cumulative Paid Losses and Allocated LAE, Net of Reinsurance
For the Years Ended December 31,
Accident Year20192020202120222023
2019$111.1 $150.4 $157.7 $159.5 $160.6 
202094.6 130.8 137.4 139.8 
2021100.6 132.6 139.7 
202297.0 141.2 
202384.7 
Total666.0 
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2019, Net of Reinsurance1.5 
Loss and Allocated LAE Reserves, Net of Reinsurance$61.5 
Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability
The following table reconciles the net incurred and paid claims development tables presented above to the Company's liability for Property and Casualty Insurance Reserves included in the Consolidated Balance Sheets at December 31, 2023.
DOLLARS IN MILLIONS2023
Property and Casualty Insurance Reserves, Net of Reinsurance:
Specialty Personal Automobile Insurance—Liability$1,544.9 
Specialty Personal Automobile Insurance—Physical Damage11.1 
Commercial Automobile Insurance—Liability559.5 
Commercial Automobile Insurance—Physical Damage9.7 
Non-Core Personal Automobile Insurance—Liability226.1 
Non-Core Personal Automobile Insurance—Physical Damage0.6 
Non-Core Homeowners Insurance61.5 
Other37.4 
Total$2,450.8 
Reinsurance Recoverables on Unpaid Losses and Allocated LAE:
Specialty Personal Automobile Insurance—Liability$6.0 
Non-Core Preferred Personal Automobile Insurance—Liability18.7 
Non-Core Homeowners Insurance0.2 
Other2.9 
Total27.8 
Unallocated LAE201.9 
Property and Casualty Insurance Reserves, Gross of Reinsurance$2,680.5 
Short-duration Insurance Contracts, Schedule of Historical Claims Duration
The following is supplementary information about average historical claims duration as of December 31, 2023.
Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance (Unaudited)
Years12345
Specialty Personal Automobile Insurance—Liability38.5 %78.5 %91.1 %95.6 %97.8 %
Specialty Personal Automobile Insurance—Physical Damage92.3 100.0 100.0 100.0 100.0 
Commercial Automobile Insurance—Liability23.3 54.8 72.9 85.3 93.9 
Commercial Automobile Insurance—Physical Damage86.1 100.0 100.0 100.0 100.0 
Non-Core Preferred Personal Automobile Insurance—Liability30.1 61.0 77.5 88.7 94.5 
Non-Core Preferred Personal Automobile Insurance—Physical Damage96.0 100.0 100.0 100.0 100.0 
Non-Core Homeowners Insurance67.2 92.6 97.3 98.8 99.4 
Liability for Unpaid Claims Adjustment Expense by Expense Type
Property and Casualty Insurance Reserve activity for the years ended December 31, 2023, 2022 and 2021 was:
DOLLARS IN MILLIONS202320222021
Property and Casualty Insurance Reserves:
Gross of Reinsurance at Beginning of Year$2,756.9 $2,772.7 $1,982.5 
Less Reinsurance Recoverables at Beginning of Year39.6 41.9 50.1 
Property and Casualty Insurance Reserves, Net of Reinsurance at Beginning of Year
2,717.3 2,730.8 1,932.4 
Property and Casualty Insurance Reserves Acquired, Net of Reinsurance
— — 211.1 
Incurred Losses and LAE related to:
Current Year3,429.9 4,103.3 4,052.7 
Prior Years159.8 (14.6)106.7 
Total Incurred Losses and LAE3,589.7 4,088.7 4,159.4 
Paid Losses and LAE related to:
Current Year:1,965.3 2,460.5 2,303.4 
Prior Years1,689.0 1,641.7 1,268.7 
Total Paid Losses and LAE3,654.3 4,102.2 3,572.1 
Property and Casualty Insurance Reserves, Net of Reinsurance at End of Year2,652.7 2,717.3 2,730.8 
Plus Reinsurance Recoverables at End of Year27.8 39.6 41.9 
Property and Casualty Insurance Reserves, Gross of Reinsurance at End of Year
$2,680.5 $2,756.9 $2,772.7 
Premium Receivable, Allowance for Credit Loss
The following table presents a rollforward of changes in the allowance for expected credit losses for the year ended December 31, 2023.
(Dollars in Millions)SpecialtyLifeTotal SegmentsNon-Core OperationsTotal Allowance for Expected Credit Losses
Balance at Beginning of Year$12.3 $— $12.3 $0.8 $13.1 
Provision for Expected Credit Losses39.3 0.5 39.8 1.8 41.6 
Write-offs of Uncollectible Receivables from Policyholders(38.7)(0.5)(39.2)(1.6)(40.8)
Balance at End of Year$12.9 $— $12.9 $1.0 $13.9 
Receivable Balance at End of Year$875.4 $11.3 $886.7 $73.5 $960.2 
The following table presents a rollforward of changes in the allowance for expected credit losses for the year ended December 31, 2022.
(Dollars in Millions)SpecialtyLifeTotal SegmentsNon-Core OperationsTotal Allowance for Expected Credit Losses
Balance at Beginning of Year$12.8 $— $12.8 $0.8 $13.6 
Provision for Expected Credit Losses44.4 1.1 45.5 2.5 48.0 
Write-offs of Uncollectible Receivables from Policyholders(44.9)(1.1)(46.0)(2.5)(48.5)
Balance at End of Year$12.3 $— $12.3 $0.8 $13.1 
Receivable Balance at End of Year$1,166.9 $11.0 $1,177.9 $108.7 $1,286.6