0000874977-21-000012.txt : 20210218 0000874977-21-000012.hdr.sgml : 20210218 20210218090945 ACCESSION NUMBER: 0000874977-21-000012 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 17 CONFORMED PERIOD OF REPORT: 20210218 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210218 DATE AS OF CHANGE: 20210218 FILER: COMPANY DATA: COMPANY CONFORMED NAME: State Auto Financial CORP CENTRAL INDEX KEY: 0000874977 STANDARD INDUSTRIAL CLASSIFICATION: FIRE, MARINE & CASUALTY INSURANCE [6331] IRS NUMBER: 311324304 STATE OF INCORPORATION: OH FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-19289 FILM NUMBER: 21647819 BUSINESS ADDRESS: STREET 1: 518 EAST BROAD STREET CITY: COLUMBUS STATE: OH ZIP: 43215 BUSINESS PHONE: 6144645000 MAIL ADDRESS: STREET 1: 518 EAST BROAD STREET CITY: COLUMBUS STATE: OH ZIP: 43215 FORMER COMPANY: FORMER CONFORMED NAME: STATE AUTO FINANCIAL CORP DATE OF NAME CHANGE: 19930328 8-K 1 stfc-20210218.htm CURRENT REPORT stfc-20210218
0000874977FALSE00008749772021-02-182021-02-18

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d)
of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): February 18, 2021 (February 18, 2021)
STATE AUTO FINANCIAL CORPORATION
(Exact name of Registrant as specified in its charter)
Ohio000-1928931-1324304
(State or other jurisdiction of
incorporation or organization)		(Commission File Number)(I.R.S. Employer
Identification No.)
518 East Broad StreetColumbusOhio43215-3976
(Address of principal executive offices) (Zip Code)
(614) 464-5000
Registrant’s telephone number, including area code 

Not Applicable
(Former name or former address, if changed since last report.)
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbolName of each exchange on which registered
Common shares, without par valueSTFCThe NASDAQ Global Select Market

Indicate by check mark whether the Registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2)
Emerging growth company☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨


Section 2.Financial Information
Item 2.02.Results of Operations and Financial Condition.
On February 18, 2021, State Auto Financial Corporation (the "Company") issued a press release disclosing the Company’s results of operations for the three-month period and fiscal year ended December 31, 2020 (the “Release"). The full text of the Release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.
The Release included a non-GAAP financial measure, net income (loss) from operations per diluted share. The Company uses net income (loss) from operations because it believes this calculation better indicates the Company’s operating performance than GAAP net income (loss) in that net income (loss) from operations excludes the sometimes volatile investment gains/losses, net of applicable federal income taxes, that can produce inconsistent results.
Net income (loss) from operations differs from GAAP net income (loss) only by the exclusion of net investment gain (loss), net of applicable taxes, on investment activity for the periods being reported. For the three-month periods ended December 31, 2020 and 2019, GAAP net income was $1.85 and $0.73 per diluted share, respectively, while net income from operations was $0.66 and $0.30 per diluted share for the same respective periods. For the three-month periods ended December 31, 2020 and 2019, net investment gain, net of applicable taxes, impacted GAAP net income per diluted share by $1.19 and $0.43, respectively. For the fiscal years ended December 31, 2020 and 2019, GAAP net income was $0.30 and $1.93 per diluted share, respectively, while net (loss) income from operations was $(0.19) and $0.59 per diluted share for the same respective periods. For the fiscal years ended December 31, 2020 and 2019, net investment gain, net of applicable taxes, impacted GAAP net income per diluted share by $0.49 and $1.34, respectively.
Management uses net income (loss) from operations because it believes this calculation better indicates the Company’s operating performance than GAAP net income (loss) in that net income (loss) from operations excludes the sometimes volatile investment gains/losses, net of applicable federal income taxes, that can produce inconsistent results.
Section 9.Financial Statements and Exhibits
Item 9.01.Financial Statements and Exhibits
(c)Exhibits.
Exhibit No.Description of Exhibit
99.1 Press release issued by State Auto Financial Corporation on February 18, 2021, regarding results of operations for the three-month period and fiscal year ended December 31, 2020
104 The cover page from this Current Report on Form 8-K, formatted as Inline XBRL


SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
STATE AUTO FINANCIAL CORPORATION
Date: February 18, 2021/s/ Steven E. English
Senior Vice President and Chief Financial Officer


EXHIBIT INDEX
Exhibit No.Description of Exhibit
99.1 
104 The cover page from this Current Report on Form 8-K, formatted as Inline XBRL

 EX-99.01 2 a2020year-endpressreleasex.htm PRESS RELEASE Document

EXHIBIT 99.1
newsrelease2a121.jpg
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State Auto Financial reports fourth quarter and year end 2020 results
•Quarterly earnings of $1.85 per share
•Quarterly net income from operations1 of $0.66 per share
•Quarterly GAAP combined ratio of 93.8
•Quarterly SAP personal and commercial segments' combined ratio2 of 94.5
•Return on equity of 1.3%
•Book value per share of $23.00

COLUMBUS, OHIO - February 18, 2021 - State Auto Financial Corporation (NASDAQ:STFC) today reported fourth quarter 2020 net income of $81.8 million, or $1.85 per diluted share, compared to net income of $33.2 million, or $0.73 per diluted share, for the same 2019 period. Net income from operations1 per diluted share for the fourth quarter of 2020 was $0.66 versus $0.30 for the same 2019 period.
For the year ended 2020, STFC had net income of $13.1 million, or $0.30 per diluted share, compared to net income of $85.8 million, or $1.93 per diluted share, for the same 2019 period. Net loss from operations1 per diluted share for the year ended 2020 was $0.19 versus net income from operations1 per diluted share of $0.59 for the same 2019 period.
GAAP Operating Results
STFC’s GAAP combined ratio for the fourth quarter 2020 was 93.8 compared to 100.0 for the same 2019 period. Catastrophe losses during the fourth quarter 2020 accounted for 4.3 points of the 59.0 total loss ratio points, or $15.2 million, versus 7.7 points of the total 64.2 loss ratio points, or $24.8 million, for the same period in 2019. Non-catastrophe losses and ALAE during the fourth quarter 2020 included 5.5 points of favorable development relating to prior years, or $19.7 million, versus 5.7 points of favorable development, or $18.3 million, for the same period in 2019.
STFC’s GAAP combined ratio for the year ended 2020 was 105.3 compared to 103.0 for the same 2019 period. Catastrophe losses for the year ended 2020 accounted for 14.9 points of the 70.4 total loss ratio points, or $206.2 million, versus 8.0 points, or $100.5 million for the same period in 2019. Non-catastrophe losses and ALAE for the year ended 2020 included 3.7 points of favorable development relating to prior years, or $51.5 million, versus 5.8 points of favorable development, or $72.4 million, for the same period in 2019.
SAP Personal and Commercial Operating Results
Net written premium for the fourth quarter 2020 increased 7.8% compared to the same period in 2019. By segment, net written premium for personal and commercial increased 6.0% and 10.6%, respectively. The increase in the personal segment was primarily due to new business growth and rate increases in homeowners and other personal. The improvement was partially offset by a decrease in net written premiums in personal auto due to a decline in new business. The increase in the commercial segment was primarily driven by (i) new business growth and rate increases in commercial auto and (ii) new business growth in farm & ranch. The improvement was partially offset by a decrease in net written premiums in workers’ compensation due to (i) a decline in new business as a result of COVID-19, (ii) a strategic decision to not renew and no longer write nursing home policies, and (iii) continued intense competition in this market.
Net written premium for the year ended 2020 increased 10.7% compared to the same period in 2019. By insurance segment, net written premium for the personal and commercial segments increased 9.4% and 12.7%, respectively. The trends in the personal and commercial segments' net written premium were due to the same factors discussed above for the fourth quarter. In addition, the increase in the commercial segment was also driven by rate increases in middle market commercial.


The SAP personal and commercial segments' combined ratio for the fourth quarter 2020 was 94.5 compared to 97.1 for the same 2019 period. Catastrophe losses during the fourth quarter 2020 accounted for 4.2 points of the total 59.2 loss ratio points, or $15.0 million, versus 5.6 points of the total 62.1 loss ratio points, or $18.2 million, for the same period in 2019. Non-catastrophe losses and ALAE during the fourth quarter 2020 included 5.5 points of favorable development relating to prior years, or $19.7 million, versus 6.1 points of favorable development, or $19.6 million, for the same period in 2019.
The SAP personal and commercial segments' combined ratio for the year ended 2020 was 103.6 compared to 101.4 for the same 2019 period. Catastrophe losses for the year ended 2020 accounted for 14.0 points of the total 69.3 loss ratio points, or $193.6 million, versus 7.2 points of the total 66.9 loss ratio points, or $89.9 million for the same period in 2019. Non-catastrophe losses and ALAE for the year ended 2020 included 4.1 points of favorable development relating to prior years, or $56.7 million, versus 5.7 points of favorable development, or $71.3 million, for the same period in 2019.
Book Value and Return on Equity
STFC’s book value increased to $23.00 per share as of Dec. 31, 2020, compared to $21.58 on Sept. 30, 2020. The increase was driven by the market value of our investment portfolio and net operating income.
Return on stockholders’ equity for the 12 months ended December 31, 2020, was 1.3% compared to 9.8% for the 12 months ended December 31, 2019.
STFC’s Chairman, President and CEO Mike LaRocco commented on the quarter and year as follows:
"We ended an otherwise challenging year with a strong quarterly result. Our fourth quarter 2020 personal and commercial lines’ 94.5% SAP combined ratio and 7.8% net written premium growth demonstrated our ability to grow profitability and included notable improvement in key areas, including our non-catastrophe loss ratio and expense ratio.
"For the year, our personal and commercial lines’ 103.6% SAP combined ratio included a catastrophe loss ratio of 14 points, which is 6.4 points higher than our five-year average. Our personal lines business produced a 106.8% SAP combined ratio, including 14.5 points of catastrophe losses. While net written premium in our personal auto line declined 5.9%, our homeowners business grew 23.6%. Our commercial lines business was profitable with an SAP combined ratio of 99.2% and net written premium growth of 12.7%. We also completed the rollout of products on our digital-only platform, State Auto Connect, with the launch of farm and ranch, workers’ compensation and middle market commercial.
"While our financial results for the year can be seen as falling short of our expectations, 2020 was a successful year and one in which our associates can take great pride. With the exception of an unusually bad CAT year, our underlying loss ratio was terrific, as was our strong growth. More importantly, I’m proud of the extraordinary efforts of our team, from Claims and Risk Engineering (CARE) and Service who delivered exceptional service to customers affected by storms and other catastrophic events throughout the country, to our sales teams who strengthened relationships with independent agents in the midst of a pandemic. Throughout the year, we always put family and community first and stayed true to our culture, our bond became stronger and we are positioned for continued progress and success in 2021."




Page 2 of 21

About State Auto Financial Corporation
State Auto Financial Corporation, headquartered in Columbus, Ohio, is a super regional property and casualty insurance holding company. STFC stock is traded on the NASDAQ Global Select Market, which represents the top fourth of all NASDAQ listed companies.
The insurance subsidiaries of State Auto Financial Corporation are part of the State Auto Group. The State Auto Group markets its insurance products throughout the United States, through independent insurance agencies, which include retail agencies and wholesale brokers. The State Auto Group is rated A- (Excellent) by the A.M. Best Company and includes State Automobile Mutual, State Auto Property & Casualty, State Auto Ohio, State Auto Wisconsin, Milbank, Meridian Security, Patrons Mutual, Rockhill Insurance, Plaza Insurance, American Compensation and Bloomington Compensation. Additional information on State Auto Financial Corporation and the State Auto Insurance Companies can be found online at http://www.StateAuto.com/STFC.
1 Net earnings (loss) from operations, a non-GAAP financial measure which management believes is informative to Company management and investors, differs from GAAP net income (loss) only by the exclusion of net investment gain (loss), net of applicable taxes, on investment activity for the periods being reported. For STFC, this amounted to income of $1.19 per diluted share and $0.49 per diluted share for the fourth quarter and year ended Dec. 31, 2020, respectively, versus a income of $0.43 per diluted share and $1.34 per diluted share for the fourth quarter and year ended Dec. 31, 2019, respectively.
2 Insurance industry regulators require STFC's insurance subsidiaries to report their financial condition and results of operations using Statutory Accounting Practices ("SAP"). The SAP personal and commercial segments' combined ratio is a measure used by management to evaluate STFC’s operating performance for its ongoing operations. Details behind the compilation of these results can be found on pages 18 - 21 of this release.
STFC has scheduled a conference call with interested investors for Thursday, Feb. 18, at 11 a.m. ET to discuss the Company’s fourth quarter 2020 performance. Live and archived broadcasts of the call can be accessed at http://www.StateAuto.com/STFC. A replay of the call can be heard beginning at 2 p.m., Feb. 18, by calling 855-859-2056, conference ID 5526278. Supplemental schedules detailing the Company’s fourth quarter 2020 financial, sales and underwriting results are made available on http://www.StateAuto.com/STFC prior to the conference call.
* * * * * *
Except for historical information, all other information in this news release consists of forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that could cause actual results to differ materially from those projected, anticipated or implied. The most significant of these uncertainties are described in State Auto Financial's Form 10-K and Form 10-Q reports and exhibits to those reports, and include (but are not limited to) legislative changes at both the state and federal level, state and federal regulatory rule making promulgations and adjudications, class action litigation involving the insurance industry and judicial decisions affecting claims, policy coverages and the general costs of doing business, the impact of competition on products and pricing, inflation in the costs of the products and services insurance pays for, product development, geographic spread of risk, weather and weather-related events, and other types of catastrophic events. State Auto Financial undertakes no obligation to update or revise any forward-looking statements.

CONTACTS
Media contact: Kyle Anderson, Kyle.Anderson@StateAuto.com, 614-917-5497
Investor contact: Natalie Schoolcraft, Natalie.Schoolcraft@StateAuto.com, 614-917-4341

Page 3 of 21
STATE AUTO FINANCIAL CORPORATION AND SUBSIDIARIES


Selected Consolidated Financial Data
Three months ended December 31Year ended December 31
2020
2019 3
2020
2019 3
Net written premiums$349.1 $323.4 $1,456.3 $1,315.3 
Earned premiums356.5 322.8 1,380.9 1,250.2 
Net investment income17.6 20.0 72.1 80.4 
Net investment gain66.6 24.0 27.3 74.2 
Other income from affiliates0.5 0.8 2.1 2.4 
Total revenue441.2 367.6 1,482.4 1,407.2 
Income before federal income taxes102.0 41.4 14.4 105.5 
Federal income tax expense20.2 8.2 1.3 19.7 
Net income$81.8 $33.2 $13.1 $85.8 
Earnings per common share:
- basic $1.87 $0.76 $0.30 $1.98 
- diluted$1.85 $0.73 $0.30 $1.93 
Earnings (loss) per share from operations (A):
- basic $0.67 $0.32 $(0.19)$0.63 
- diluted$0.66 $0.30 $(0.19)$0.59 
Weighted average shares outstanding:
- basic 43.8 43.6 43.7 43.4 
- diluted44.3 44.0 44.3 44.0 
Return on average equity (LTM)1.3 %9.8 %
Book value per share$23.00 $22.19 
Dividends paid per share$0.10 $0.10 $0.40 $0.40 
Total shares outstanding43.9 43.6 
GAAP ratios:
Cat loss and ALAE ratio4.3 7.7 14.9 8.0 
Non-cat loss and ALAE ratio54.7 56.5 55.5 59.6 
Loss and LAE ratio59.0 64.2 70.4 67.6 
Expense ratio34.8 35.8 34.9 35.4 
Combined ratio93.8 100.0 105.3 103.0 
(A)Reconciliation of non-GAAP financial measure:
Net income (loss) from operations
Net income$81.8 $33.2 $13.1 $85.8 
Net investment gain, net of tax52.6 20.2 21.6 59.7 
Net income (loss) from operations$29.2 $13.0 $(8.5)$26.1 
3 The fourth quarter and year to date 2019 results reflect immaterial revisions, primarily for (i) under reported ceded premiums, (ii) the balance sheet presentation of premiums receivable, and (iii) a revision to recognize an actuarial gain which reduced our postretirement benefits liability while increasing shareholder’s equity. Accordingly, prior period amounts throughout this release have been adjusted to incorporate the revised amounts, where applicable. Please refer to our Form 10-K for the year ending December 31, 2020 for further information.

Page 4 of 21
STATE AUTO FINANCIAL CORPORATION AND SUBSIDIARIES


Condensed Consolidated Balance Sheets
($ and shares in millions, except per share amounts)
(unaudited)December 31December 31
2020
2019 3
ASSETS
Fixed maturities, available-for-sale, at fair value (amortized cost $2,117.0 and $2,080.0, respectively)$2,237.2 $2,128.4 
Equity securities389.7 395.2 
Other invested assets71.1 69.7 
Other invested assets, at cost12.1 6.5 
Notes receivable from affiliate70.0 70.0 
Total investments2,780.1 2,669.8 
Cash and cash equivalents90.7 78.0 
Accrued investment income and other assets29.7 31.7 
Premiums receivable14.0 13.6 
Deferred policy acquisition costs122.2 111.1 
Reinsurance recoverable on losses and loss expenses payable24.3 13.6 
Prepaid reinsurance premiums8.3 7.5 
Due from affiliate— 4.1 
Current federal income taxes1.7 6.3 
Net deferred federal income taxes27.3 39.7 
Property and equipment, net4.2 4.2 
Total assets$3,102.5 $2,979.6 
LIABILITIES
Losses and loss expenses payable$1,050.4 $1,066.5 
Unearned premiums723.4 649.2 
Notes payable (affiliates $15.2 and $15.2, respectively)122.1 122.0 
Pension and postretirement benefits66.2 59.5 
Due to affiliate11.2 — 
Other liabilities119.2 114.9 
Total liabilities2,092.5 2,012.1 
STOCKHOLDERS' EQUITY
Common stock, without par value. Authorized 100.0 shares; 50.7 and 50.4 shares issued, respectively, at stated value of $2.50 per share126.8 125.9 
Treasury stock, 6.9 and 6.9 shares, respectively, at cost(118.4)(117.5)
Additional paid-in capital213.3 206.7 
Accumulated other comprehensive income (loss)13.9 (26.9)
Retained earnings774.4 779.3 
Total stockholders’ equity1,010.0 967.5 
Total liabilities and stockholders’ equity$3,102.5 $2,979.6 


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STATE AUTO FINANCIAL CORPORATION AND SUBSIDIARIES


Condensed Consolidated Statements of Income
($ in millions, except per share amounts)
(unaudited)Three months ended December 31Year ended December 31
2020
2019 3
2020
2019 3
Earned premiums$356.5 $322.8 $1,380.9 $1,250.2 
Net investment income17.6 20.0 72.1 80.4 
Net investment gain66.6 24.0 27.3 74.2 
Other income from affiliates0.5 0.8 2.1 2.4 
Total revenues441.2 367.6 1,482.4 1,407.2 
Losses and loss expenses210.4 207.2 972.6 844.8 
Acquisition and operating expenses124.0 115.5 481.4 440.7 
Interest expense1.1 1.2 4.7 4.9 
Other expenses3.7 2.3 9.3 11.3 
Total expenses339.2 326.2 1,468.0 1,301.7 
Income before federal income taxes102.0 41.4 14.4 105.5 
Federal income tax expense (benefit):
Current0.1 — (0.3)(0.4)
Deferred20.1 8.2 1.6 20.1 
Federal income tax expense20.2 8.2 1.3 19.7 
Net income$81.8 $33.2 $13.1 $85.8 
Earnings per common share:
Basic$1.87 $0.76 $0.30 $1.98 
Diluted$1.85 $0.73 $0.30 $1.93 
Dividends paid per common share$0.10 $0.10 $0.40 $0.40 


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STATE AUTO FINANCIAL CORPORATION AND SUBSIDIARIES


Consolidated Statements of Comprehensive Income
($ in millions)
(unaudited)Three months ended December 31Year ended December 31
2020
2019 3
2020
2019 3
Net income$81.8 $33.2 $13.1 $85.8 
Other comprehensive (loss) income, net of tax:
Net unrealized holding gain (loss) on available-for-sale investments:
Unrealized holding (loss) gain(3.0)(11.1)71.5 80.7 
Reclassification adjustments for losses (gains) realized in net income3.5 (0.7)0.3 (3.5)
Income tax (expense) benefit(0.1)2.5 (15.1)(16.2)
Total net unrealized holding gain (loss) on available- for-sale investments0.4 (9.3)56.7 61.0 
Net unrecognized benefit plan obligations:
Net actuarial (loss) gain arising during the period(27.4)7.5 (27.4)7.5 
Reclassification adjustments for amortization to statement of income:
Prior service credit(1.5)(1.5)(6.3)(6.4)
Net actuarial loss2.7 2.4 13.7 9.6 
Income tax benefit (expense)5.4 (1.8)4.1 (2.2)
Total net unrecognized benefit plan obligations(20.8)6.6 (15.9)8.5 
Other comprehensive (loss) income(20.4)(2.7)40.8 69.5 
Comprehensive income$61.4 $30.5 $53.9 $155.3 


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STATE AUTO FINANCIAL CORPORATION AND SUBSIDIARIES


Condensed Consolidated Statement of Stockholders' Equity
($ and shares in millions)
(unaudited)Year EndedYear Ended
December 31December 31
2020
2019 3
Common shares:
Balance at beginning of year50.4 50.0 
Issuance of shares0.3 0.4 
Balance at end of year50.7 50.4 
Treasury shares:
Balance at beginning of year(6.9)(6.8)
Issuance of shares— (0.1)
Balance at beginning of year and year ended(6.9)(6.9)
Common stock:
Balance at beginning of year$125.9 $125.0 
Issuance of shares0.9 0.9 
Balance at end of year126.8 125.9 
Treasury stock:
Balance at beginning of year$(117.5)$(117.0)
Shares acquired on stock award exercises(0.9)(0.5)
Balance at end of year(118.4)(117.5)
Additional paid-in capital:
Balance at beginning of year$206.7 $194.2 
Issuance of common stock3.0 5.1 
Stock awards granted3.6 7.4 
Balance at end of year213.3 206.7 
Accumulated other comprehensive loss:
Balance at beginning of year$(26.9)$(96.4)
Change in unrealized gain on available-for-sale investments, net of tax56.7 61.0 
Change in unrecognized benefit plan obligations, net of tax(15.9)8.5 
Balance at end of year13.9 (26.9)
Retained earnings:
Balance at beginning of year$779.3 $710.9 
Cumulative effect of change in accounting to establish an allowance for expected credit losses at January 1, 2020(0.5)— 
Net income13.1 85.8 
Dividends declared (affiliates $10.4 and $10.4, respectively)(17.5)(17.4)
Balance at end of year774.4 779.3 
Total stockholders’ equity at end of year$1,010.0 $967.5 


Page 8 of 21
STATE AUTO FINANCIAL CORPORATION AND SUBSIDIARIES


Condensed Consolidated Statements of Cash Flow
($ millions)
(unaudited)
Year ended December 31
2020
2019 3
Cash flows from operating activities:
Net income$13.1 $85.8 
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Depreciation and amortization, net10.6 9.4 
Share-based compensation0.9 6.1 
Net investment gain(27.3)(74.2)
Changes in operating assets and liabilities:
Deferred policy acquisition costs(11.1)(9.2)
Accrued investment income and other assets2.0 0.7 
Premiums receivable(0.4)(0.9)
Postretirement and pension benefits(16.9)(14.5)
Reinsurance recoverable on losses and loss expenses payable and prepaid reinsurance premiums(11.5)(9.0)
Other liabilities and due to/from affiliate, net25.8 (42.0)
Losses and loss expenses payable(16.6)(80.3)
Unearned premiums74.2 65.0 
Deferred tax expense on share-based awards— (0.9)
Federal income taxes6.2 20.1 
Net cash provided by (used in) operating activities49.0 (43.9)
Cash flows from investing activities:
Purchases of fixed maturities available-for-sale(661.0)(592.6)
Purchases of equity securities(88.9)(63.4)
Purchases of other invested assets(7.6)(13.3)
Maturities, calls and principal reductions of fixed maturities available-for-sale384.1 386.3 
Sales of fixed maturities available-for-sale229.0 308.8 
Sales of equity securities121.1 45.4 
Sales of other invested assets1.3 1.3 
Disposals of property and equipment0.2 1.6 
Net cash (used in) provided by investing activities(21.8)74.1 
Cash flows from financing activities:
Proceeds from issuance of common stock3.9 5.9 
Payments to acquire treasury shares(0.9)(0.5)
Payment of dividends(17.5)(17.4)
Proceeds from short-term debt60.0 — 
Repayment of short-term debt(60.0)— 
Proceeds from long-term debt21.5 — 
Repayment of long-term debt(21.5)— 
Net cash used in financing activities(14.5)(12.0)
Net increase in cash and cash equivalents12.7 18.2 
Cash and cash equivalents at beginning of period78.0 59.8 
Cash and cash equivalents at end of period$90.7 $78.0 
Supplemental disclosures:
Federal income tax refund$4.9 $— 
Interest paid (affiliates $0.8 and $1.1, respectively)$4.5 $4.8 


Page 9 of 21
STATE AUTO FINANCIAL CORPORATION AND SUBSIDIARIES


Net Investment Income
($ in millions)
unaudited12/31/20193/31/20206/30/20209/30/202012/31/2020
Quarter to Date
Gross investment income:
   Fixed maturities$13.9 $14.5 $14.8 $13.7 $14.3 
   TIPS0.7 0.6 (0.3)1.3 0.7 
Total fixed maturities14.6 15.1 14.5 15.0 15.0 
Equity securities4.3 3.1 2.6 2.1 1.5 
Other1.3 1.0 0.8 0.9 1.3 
Total gross investment income20.2 19.2 17.9 18.0 17.8 
Less: Investment expenses0.2 0.3 0.2 0.1 0.2 
Net investment income$20.0 $18.9 $17.7 $17.9 $17.6 
Year to Date
Gross investment income:
   Fixed maturities$58.4 $14.5 $29.3 $43.0 $57.3 
   TIPS3.9 0.6 0.3 1.6 2.3 
Total fixed maturities62.3 15.1 29.6 44.6 59.6 
Equity securities13.2 3.1 5.7 7.8 9.3 
Other5.5 1.0 1.8 2.7 4.0 
Total gross investment income81.0 19.2 37.1 55.1 72.9 
Less: Investment expenses0.6 0.3 0.5 0.6 0.8 
Net investment income$80.4 $18.9 $36.6 $54.5 $72.1 
12/31/20193/31/20206/30/20209/30/202012/31/2020
TIPS, fair value$135.6 $111.4 $115.9 $117.0 $116.2 
TIPS, book value$126.2 $101.5 $100.9 $99.4 $97.8 
Net Investment Gain
($ millions)Three months ended December 31Twelve months ended December 31
2020201920202019
Investment gain, net:
Fixed maturities:
Realized (losses) gains on sales of securities, net$(3.5)$0.7 $(0.3)$3.5 
Equity securities:
Realized gains (losses) on sales of securities, net5.8 0.7 (45.1)(1.8)
Unrealized gain on securities still held, net56.0 17.5 71.8 63.9 
Net gain on equity securities61.8 18.2 26.7 62.1 
Other invested assets:
Unrealized gain on securities still held, net8.3 5.1 0.7 9.9 
Net gain on other invested assets8.3 5.1 0.7 9.9 
Other net realized gain (loss)— — 0.2 (1.3)
Net gain on investments$66.6 $24.0 $27.3 $74.2 


Page 10 of 21
STATE AUTO FINANCIAL CORPORATION AND SUBSIDIARIES


Income Taxes
($ in millions)
unaudited
The following table sets forth the tax effects of temporary differences that give rise to significant portions of deferred tax assets and deferred tax liabilities:
December 31
2020
2019 3
Deferred tax assets:
Unearned premiums not currently deductible$30.1 $27.0 
Losses and loss expenses payable discounting10.5 10.6 
Postretirement and pension benefits19.3 17.1 
Other liabilities12.2 13.4 
Net operating loss carryforward19.8 12.6 
Capital loss carryforward6.1 — 
Tax credit carryforwards1.9 2.5 
Other1.1 1.1 
Total deferred tax assets101.0 84.3 
Deferred tax liabilities:
Deferral of policy acquisition costs25.7 23.3 
Investments48.0 21.3 
Total deferred tax liabilities73.7 44.6 
Net deferred federal income taxes$27.3 $39.7 

Page 11 of 21
STATE AUTO FINANCIAL CORPORATION AND SUBSIDIARIES


($ in millions)
Three months ended December 31, 2020Personal AutoHomeownersOther PersonalTotal
Net written premiums$86.0 $103.7 $18.4 $208.1 
Net earned premiums96.3 97.9 15.1 209.3 
Losses and LAE incurred:
Cat loss and ALAE— 6.5 0.2 6.7 
Non-cat loss and ALAE
Prior accident years non-cat loss and ALAE1.2 0.7 (0.4)1.5 
Current accident year non-cat loss and ALAE72.3 38.9 6.2 117.4 
Total non-cat loss and ALAE73.5 39.6 5.8 118.9 
Total Loss and ALAE73.5 46.1 6.0 125.6 
ULAE8.0 4.4 0.6 13.0 
Total Loss and LAE81.5 50.5 6.6 138.6 
Underwriting expenses28.6 34.2 5.9 68.7 
Net underwriting (loss) gain$(13.8)$13.2 $2.6 $2.0 
Cat loss and ALAE ratio— %6.6 %1.8 %3.2 %
Non-cat loss and ALAE ratio
Prior accident years non-cat loss and ALAE ratio1.3 %0.7 %(3.1)%0.7 %
Current accident year non-cat loss and ALAE ratio75.0 %39.7 %40.9 %56.1 %
Total non-cat loss and ALAE ratio76.3 %40.4 %37.8 %56.8 %
Total Loss and ALAE ratio76.3 %47.0 %39.6 %60.0 %
ULAE ratio8.3 %4.6 %3.6 %6.2 %
Total Loss and LAE ratio84.6 %51.6 %43.2 %66.2 %
Expense ratio33.4 %32.9 %32.2 %33.1 %
Combined ratio118.0 %84.5 %75.4 %99.3 %
($ in millions)
Three months ended December 31, 2019 3
Personal AutoHomeownersOther PersonalTotal
Net written premiums$98.9 $84.6 $12.9 $196.4 
Net earned premiums105.4 79.8 10.7 195.9 
Losses and LAE incurred:
Cat loss and ALAE0.6 12.3 1.0 13.9 
Non-cat loss and ALAE
Prior accident years non-cat loss and ALAE0.3 (0.2)(0.2)(0.1)
Current accident year non-cat loss and ALAE77.0 32.3 3.4 112.7 
Total non-cat loss and ALAE77.3 32.1 3.2 112.6 
Total Loss and ALAE77.9 44.4 4.2 126.5 
ULAE7.9 4.8 0.3 13.0 
Total Loss and LAE85.8 49.2 4.5 139.5 
Underwriting expenses32.6 27.4 4.1 64.1 
Net underwriting (loss) gain$(13.0)$3.2 $2.1 $(7.7)
Cat loss and ALAE ratio0.6 %15.5 %8.6 %7.1 %
Non-cat loss and ALAE ratio
Prior accident years non-cat loss and ALAE ratio0.3 %(0.4)%(1.7)%(0.1)%
Current accident year non-cat loss and ALAE ratio73.1 %40.5 %32.0 %57.5 %
Total non-cat loss and ALAE ratio73.4 %40.1 %30.3 %57.4 %
Total Loss and ALAE ratio74.0 %55.6 %38.9 %64.5 %
ULAE ratio7.5 %6.1 %2.7 %6.7 %
Total Loss and LAE ratio81.5 %61.7 %41.6 %71.2 %
Expense ratio32.8 %32.3 %32.1 %32.6 %
Combined ratio114.3 %94.0 %73.7 %103.8 %
Page 12 of 21
STATE AUTO FINANCIAL CORPORATION AND SUBSIDIARIES


($ in millions)
Twelve months ended December 31, 2020Personal AutoHomeownersOther PersonalTotal
Net written premiums$396.3 $402.8 $64.1 $863.2 
Net earned premiums407.3 360.8 50.9 819.0 
Losses and LAE incurred:
Cat loss and ALAE6.5 99.9 12.2 118.6 
Non-cat loss and ALAE
Prior accident years non-cat loss and ALAE20.3 3.5 (2.1)21.7 
Current accident year non-cat loss and ALAE238.0 163.9 19.2 421.1 
Total non-cat loss and ALAE258.3 167.4 17.1 442.8 
Total Loss and ALAE264.8 267.3 29.3 561.4 
ULAE31.0 23.0 1.8 55.8 
Total Loss and LAE295.8 290.3 31.1 617.2 
Underwriting expenses127.1 123.9 19.6 270.6 
Net underwriting (loss) gain$(15.6)$(53.4)$0.2 $(68.8)
Cat loss and ALAE ratio1.6 %27.7 %24.0 %14.5 %
Non-cat loss and ALAE ratio
Prior accident years non-cat loss and ALAE ratio5.0 %1.0 %(4.1)%2.7 %
Current accident year non-cat loss and ALAE ratio58.4 %45.4 %37.7 %51.4 %
Total non-cat loss and ALAE ratio63.4 %46.4 %33.6 %54.1 %
Total Loss and ALAE ratio65.0 %74.1 %57.6 %68.6 %
ULAE ratio7.6 %6.4 %3.4 %6.8 %
Total Loss and LAE ratio72.6 %80.5 %61.0 %75.4 %
Expense ratio32.1 %30.7 %30.6 %31.4 %
Combined ratio104.7 %111.2 %91.6 %106.8 %
($ in millions)
Twelve months ended December 31, 2019 3
Personal AutoHomeownersOther PersonalTotal
Net written premiums$421.2 $326.0 $41.9 $789.1 
Net earned premiums425.0 295.9 35.0 755.9 
Losses and LAE incurred:
Cat loss and ALAE6.0 60.1 5.0 71.1 
Non-cat loss and ALAE
Prior accident years non-cat loss and ALAE(10.7)0.3 (2.1)(12.5)
Current accident year non-cat loss and ALAE284.8 142.7 16.1 443.6 
Total non-cat loss and ALAE274.1 143.0 14.0 431.1 
Total Loss and ALAE280.1 203.1 19.0 502.2 
ULAE30.1 19.9 1.2 51.2 
Total Loss and LAE310.2 223.0 20.2 553.4 
Underwriting expenses129.3 102.2 13.2 244.7 
Net underwriting (loss) gain$(14.5)$(29.3)$1.6 $(42.2)
Cat loss and ALAE ratio1.4 %20.3 %14.1 %9.4 %
Non-cat loss and ALAE ratio
Prior accident years non-cat loss and ALAE ratio(2.5)%0.1 %(5.9)%(1.7)%
Current accident year non-cat loss and ALAE ratio67.0 %48.2 %45.9 %58.8 %
Total non-cat loss and ALAE ratio64.5 %48.3 %40.0 %57.1 %
Total Loss and ALAE ratio65.9 %68.6 %54.1 %66.5 %
ULAE ratio7.1 %6.8 %3.4 %6.8 %
Total Loss and LAE ratio73.0 %75.4 %57.5 %73.3 %
Expense ratio30.7 %31.3 %31.6 %31.0 %
Combined ratio103.7 %106.7 %89.1 %104.3 %

Page 13 of 21
STATE AUTO FINANCIAL CORPORATION AND SUBSIDIARIES


SAP Commercial Insurance Segment Results
(unaudited)
($ in millions)
Three months ended
December 31, 2020		Commercial AutoSmall Commercial PackageMiddle Market CommercialWorkers' CompFarm & RanchOther CommercialTotal
Net written premiums$39.3 $32.4 $34.6 $13.6 $16.9 $4.3 $141.1 
Net earned premiums37.9 31.9 40.5 16.5 15.5 4.8 147.1 
Losses and LAE incurred:
Cat loss and ALAE0.1 0.7 7.2 — 0.3 — 8.3 
Non-cat loss and ALAE
Prior accident years non-cat loss and ALAE(0.1)(6.5)(2.4)(8.8)(0.5)(2.9)(21.2)
Current accident year non-cat loss and ALAE23.4 12.0 19.1 15.0 10.2 0.5 80.2 
Total non-cat loss and ALAE23.3 5.5 16.7 6.2 9.7 (2.4)59.0 
Total Loss and ALAE23.4 6.2 23.9 6.2 10.0 (2.4)67.3 
ULAE1.7 0.6 0.1 1.5 0.6 0.1 4.6 
Total Loss and LAE25.1 6.8 24.0 7.7 10.6 (2.3)71.9 
Underwriting expenses13.0 11.1 14.5 7.2 7.0 1.8 54.6 
Net underwriting (loss) gain$(0.2)$14.0 $2.0 $1.6 $(2.1)$5.3 $20.6 
Cat loss and ALAE ratio0.1 %2.4 %17.9 %— %2.2 %— %5.7 %
Non-cat loss and ALAE ratio
Prior accident years non-cat loss and ALAE ratio(0.2)%(20.4)%(6.1)%(53.1)%(3.5)%(58.4)%(14.4)%
Current accident year non-cat loss and ALAE ratio61.7 %37.4 %47.5 %90.9 %65.4 %10.5 %54.5 %
Total non-cat loss and ALAE ratio61.5 %17.0 %41.4 %37.8 %61.9 %(47.9)%40.1 %
Total Loss and ALAE ratio61.6 %19.4 %59.3 %37.8 %64.1 %(47.9)%45.8 %
ULAE ratio4.7 %1.9 %0.1 %8.6 %3.6 %2.0 %3.1 %
Total Loss and LAE ratio66.3 %21.3 %59.4 %46.4 %67.7 %(45.9)%48.9 %
Expense ratio33.0 %34.2 %42.1 %52.6 %42.1 %40.5 %38.7 %
Combined ratio99.3 %55.5 %101.5 %99.0 %109.8 %(5.4)%87.6 %
Page 14 of 21
STATE AUTO FINANCIAL CORPORATION AND SUBSIDIARIES


($ in millions)
Three months ended
December 31, 2019		Commercial AutoSmall Commercial PackageMiddle Market CommercialWorkers' CompFarm & RanchOther CommercialTotal
Net written premiums$28.1 $30.4 $34.1 $17.9 $12.6 $4.5 $127.6 
Net earned premiums26.1 30.3 36.2 17.9 12.3 4.5 127.3 
Losses and LAE incurred:
Cat loss and ALAE0.1 1.8 2.5 — (0.1)— 4.3 
Non-cat loss and ALAE
Prior accident years non-cat loss and ALAE(1.1)(3.4)(4.6)(7.5)(1.1)(1.8)(19.5)
Current accident year non-cat loss and ALAE16.7 12.7 21.3 12.1 5.2 2.6 70.6 
Total non-cat loss and ALAE15.6 9.3 16.7 4.6 4.1 0.8 51.1 
Total Loss and ALAE15.7 11.1 19.2 4.6 4.0 0.8 55.4 
ULAE1.5 0.9 1.3 1.5 0.3 0.2 5.7 
Total Loss and LAE17.2 12.0 20.5 6.1 4.3 1.0 61.1 
Underwriting expenses10.3 11.2 13.8 7.0 5.3 1.6 49.2 
Net underwriting (loss) gain$(1.4)$7.1 $1.9 $4.8 $2.7 $1.9 $17.0 
Cat loss and ALAE ratio0.3 %5.8 %7.0 %— %(0.8)%— %3.4 %
Non-cat loss and ALAE ratio
Prior accident years non-cat loss and ALAE ratio(4.1)%(11.3)%(12.6)%(42.5)%(8.5)%(40.1)%(15.3)%
Current accident year non-cat loss and ALAE ratio64.2 %42.1 %58.6 %68.0 %42.1 %55.8 %55.4 %
Total non-cat loss and ALAE ratio60.1 %30.8 %46.0 %25.5 %33.6 %15.7 %40.1 %
Total Loss and ALAE ratio60.4 %36.6 %53.0 %25.5 %32.8 %15.7 %43.5 %
ULAE ratio5.5 %3.0 %3.7 %8.3 %2.5 %3.3 %4.4 %
Total Loss and LAE ratio65.9 %39.6 %56.7 %33.8 %35.3 %19.0 %47.9 %
Expense ratio36.6 %37.0 %40.4 %38.8 %42.1 %38.5 %38.6 %
Combined ratio102.5 %76.6 %97.1 %72.6 %77.4 %57.5 %86.5 %


Page 15 of 21
STATE AUTO FINANCIAL CORPORATION AND SUBSIDIARIES


($ in millions)
Twelve months ended
December 31, 2020		Commercial AutoSmall Commercial PackageMiddle Market CommercialWorkers' CompFarm & RanchOther CommercialTotal
Net written premiums$157.1 $128.2 $161.4 $62.8 $64.2 $19.6 $593.3 
Net earned premiums134.1 124.7 156.5 70.9 56.3 19.3 561.8 
Losses and LAE incurred:
Cat loss and ALAE1.2 21.7 42.9 — 9.0 0.2 75.0 
Non-cat loss and ALAE
Prior accident years non-cat loss and ALAE(1.6)(23.0)(16.7)(24.9)(2.2)(10.0)(78.4)
Current accident year non-cat loss and ALAE75.8 65.3 88.7 55.6 25.4 7.8 318.6 
Total non-cat loss and ALAE74.2 42.3 72.0 30.7 23.2 (2.2)240.2 
Total Loss and ALAE75.4 64.0 114.9 30.7 32.2 (2.0)315.2 
ULAE6.6 4.8 4.6 6.0 2.2 0.5 24.7 
Total Loss and LAE82.0 68.8 119.5 36.7 34.4 (1.5)339.9 
Underwriting expenses53.1 45.1 65.3 29.9 28.1 7.8 229.3 
Net underwriting (loss) gain$(1.0)$10.8 $(28.3)$4.3 $(6.2)$13.0 $(7.4)
Cat loss and ALAE ratio0.9 %17.4 %27.4 %— %16.0 %0.9 %13.4 %
Non-cat loss and ALAE ratio
Prior accident years non-cat loss and ALAE ratio(1.2)%(18.5)%(10.7)%(35.1)%(4.0)%(51.6)%(14.0)%
Current accident year non-cat loss and ALAE ratio56.5 %52.5 %56.8 %78.5 %45.2 %40.6 %56.7 %
Total non-cat loss and ALAE ratio55.3 %34.0 %46.1 %43.4 %41.2 %(11.0)%42.7 %
Total Loss and ALAE ratio56.2 %51.4 %73.5 %43.4 %57.2 %(10.1)%56.1 %
ULAE ratio5.0 %3.8 %2.9 %8.4 %3.8 %2.4 %4.4 %
Total Loss and LAE ratio61.2 %55.2 %76.4 %51.8 %61.0 %(7.7)%60.5 %
Expense ratio33.8 %35.2 %40.5 %47.6 %44.0 %39.6 %38.7 %
Combined ratio95.0 %90.4 %116.9 %99.4 %105.0 %31.9 %99.2 %

Page 16 of 21
STATE AUTO FINANCIAL CORPORATION AND SUBSIDIARIES


($ in millions)
Twelve months ended
December 31, 2019 3
Commercial AutoSmall Commercial PackageMiddle Market CommercialWorkers' CompFarm & RanchOther CommercialTotal
Net written premiums$109.4 $122.4 $149.2 $76.7 $50.0 $18.6 $526.3 
Net earned premiums91.3 119.2 134.3 78.2 48.5 17.1 488.6 
Losses and LAE incurred:
Cat loss and ALAE0.3 7.9 8.2 — 2.4 — 18.8 
Non-cat loss and ALAE
Prior accident years non-cat loss and ALAE(4.7)(15.2)(11.8)(20.9)(3.0)(3.2)(58.8)
Current accident year non-cat loss and ALAE57.9 64.0 83.5 54.4 23.2 10.3 293.3 
Total non-cat loss and ALAE53.2 48.8 71.7 33.5 20.2 7.1 234.5 
Total Loss and ALAE53.5 56.7 79.9 33.5 22.6 7.1 253.3 
ULAE5.7 5.7 6.3 6.9 1.8 0.7 27.1 
Total Loss and LAE59.2 62.4 86.2 40.4 24.4 7.8 280.4 
Underwriting expenses43.9 47.2 59.8 27.2 22.7 7.6 208.4 
Net underwriting (loss) gain$(11.8)$9.6 $(11.7)$10.6 $1.4 $1.7 $(0.2)
Cat loss and ALAE ratio0.4 %6.6 %6.1 %— %4.9 %— %3.9 %
Non-cat loss and ALAE ratio
Prior accident years non-cat loss and ALAE ratio(5.1)%(12.8)%(8.8)%(26.8)%(6.0)%(18.8)%(12.0)%
Current accident year non-cat loss and ALAE ratio63.3 %53.8 %62.2 %69.7 %47.8 %60.1 %60.0 %
Total non-cat loss and ALAE ratio58.2 %41.0 %53.4 %42.9 %41.8 %41.3 %48.0 %
Total Loss and ALAE ratio58.6 %47.6 %59.5 %42.9 %46.7 %41.3 %51.9 %
ULAE ratio6.2 %4.8 %4.7 %8.8 %3.7 %4.1 %5.5 %
Total Loss and LAE ratio64.8 %52.4 %64.2 %51.7 %50.4 %45.4 %57.4 %
Expense ratio40.1 %38.6 %40.1 %35.5 %45.4 %40.9 %39.6 %
Combined ratio104.9 %91.0 %104.3 %87.2 %95.8 %86.3 %97.0 %


Page 17 of 21
STATE AUTO FINANCIAL CORPORATION AND SUBSIDIARIES


SAP Insurance Segment Results
(unaudited)
($ in millions)
Three months ended December 31, 2020Personal & CommercialSpecialty run-offTotal
Net written premiums$349.2 $(0.1)$349.1 
Net earned premiums356.4 0.1 356.5 
Losses and LAE incurred:
Cat loss and ALAE15.0 0.2 15.2 
Non-cat loss and ALAE
Prior accident years non-cat loss and ALAE(19.7)— (19.7)
Current accident year non-cat loss and ALAE197.6 0.1 197.7 
Total non-cat loss and ALAE177.9 0.1 178.0 
Total Loss and ALAE192.9 0.3 193.2 
ULAE17.6 (0.1)17.5 
Total Loss and LAE210.5 0.2 210.7 
Underwriting expenses123.3 0.4 123.7 
Net underwriting gain (loss)$22.6 $(0.5)$22.1 
Cat loss and ALAE ratio4.2 %
N/M(1)
4.3 %
Non-cat loss and ALAE ratio
Prior accident years non-cat loss and ALAE ratio(5.5)%N/M(5.5)%
Current accident year non-cat loss and ALAE ratio55.6 %N/M55.4 %
Total non-cat loss and ALAE ratio50.1 %N/M49.9 %
Total Loss and ALAE ratio54.3 %N/M54.2 %
ULAE ratio4.9 %N/M4.9 %
Total Loss and LAE ratio59.2 %N/M59.1 %
Expense ratio35.3 %N/M35.4 %
Combined ratio94.5 %N/M94.5 %
(1) N/M = Not Meaningful

Page 18 of 21
STATE AUTO FINANCIAL CORPORATION AND SUBSIDIARIES


($ in millions)
Three months ended December 31, 2019 3
Personal & CommercialSpecialty run-offTotal
Net written premiums$324.0 $(0.6)$323.4 
Net earned premiums323.2 (0.4)322.8 
Losses and LAE incurred:
Cat loss and ALAE18.2 6.6 24.8 
Non-cat loss and ALAE
Prior accident years non-cat loss and ALAE(19.6)1.3 (18.3)
Current accident year non-cat loss and ALAE183.3 0.3 183.6 
Total non-cat loss and ALAE163.7 1.6 165.3 
Total Loss and ALAE181.9 8.2 190.1 
ULAE18.7 (1.2)17.5 
Total Loss and LAE200.6 7.0 207.6 
Underwriting expenses113.3 1.0 114.3 
Net underwriting gain (loss)$9.3 $(8.4)$0.9 
Cat loss and ALAE ratio5.6 %N/M7.7 %
Non-cat loss and ALAE ratio
Prior accident years non-cat loss and ALAE ratio(6.1)%N/M(5.7)%
Current accident year non-cat loss and ALAE ratio56.8 %N/M57.0 %
Total non-cat loss and ALAE ratio50.7 %N/M51.3 %
Total Loss and ALAE ratio56.3 %N/M59.0 %
ULAE ratio5.8 %N/M5.4 %
Total Loss and LAE ratio62.1 %N/M64.4 %
Expense ratio35.0 %N/M35.3 %
Combined ratio97.1 %N/M99.7 %

Page 19 of 21
STATE AUTO FINANCIAL CORPORATION AND SUBSIDIARIES


($ in millions)
Twelve months ended December 31, 2020Personal & CommercialSpecialty run-offTotal
Net written premiums$1,456.5 $(0.2)$1,456.3 
Net earned premiums1,380.8 0.1 1,380.9 
Losses and LAE incurred:
Cat loss and ALAE193.6 12.6 206.2 
Non-cat loss and ALAE
Prior accident years non-cat loss and ALAE(56.7)5.2 (51.5)
Current accident year non-cat loss and ALAE739.7 0.4 740.1 
Total non-cat loss and ALAE683.0 5.6 688.6 
Total Loss and ALAE876.6 18.2 894.8 
ULAE80.5 (1.4)79.1 
Total Loss and LAE957.1 16.8 973.9 
Underwriting expenses499.9 0.9 500.8 
Net underwriting loss$(76.2)$(17.6)$(93.8)
Cat loss and ALAE ratio14.0 %N/M14.9 %
Non-cat loss and ALAE ratio
Prior accident years non-cat loss and ALAE ratio(4.1)%N/M(3.7)%
Current accident year non-cat loss and ALAE ratio53.6 %N/M53.6 %
Total non-cat loss and ALAE ratio49.5 %N/M49.9 %
Total Loss and ALAE ratio63.5 %N/M64.8 %
ULAE ratio5.8 %N/M5.7 %
Total Loss and LAE ratio69.3 %N/M70.5 %
Expense ratio34.3 %N/M34.4 %
Combined ratio103.6 %N/M104.9 %

Page 20 of 21
STATE AUTO FINANCIAL CORPORATION AND SUBSIDIARIES


($ in millions)
Twelve months ended December 31, 2019 3
Personal & CommercialSpecialty run-offTotal
Net written premiums$1,315.4 $(0.1)$1,315.3 
Net earned premiums1,244.5 5.7 1,250.2 
Losses and LAE incurred:
Cat loss and ALAE89.9 10.6 100.5 
Non-cat loss and ALAE
Prior accident years non-cat loss and ALAE(71.3)(1.1)(72.4)
Current accident year non-cat loss and ALAE736.9 5.2 742.1 
Total non-cat loss and ALAE665.6 4.1 669.7 
Total Loss and ALAE755.5 14.7 770.2 
ULAE78.3 (2.0)76.3 
Total Loss and LAE833.8 12.7 846.5 
Underwriting expenses453.1 2.7 455.8 
Net underwriting loss$(42.4)$(9.7)$(52.1)
Cat loss and ALAE ratio7.2 %N/M8.0 %
Non-cat loss and ALAE ratio
Prior accident years non-cat loss and ALAE ratio(5.7)%N/M(5.8)%
Current accident year non-cat loss and ALAE ratio59.1 %N/M59.5 %
Total non-cat loss and ALAE ratio53.4 %N/M53.7 %
Total Loss and ALAE ratio60.6 %N/M61.7 %
ULAE ratio6.3 %N/M6.1 %
Total Loss and LAE ratio66.9 %N/M67.8 %
Expense ratio34.5 %N/M34.7 %
Combined ratio101.4 %N/M102.5 %
The following table provides a reconciliation of our statutory underwriting results to GAAP consolidated income before federal income taxes for the fourth quarters and years ended December 31, 2020 and 2019:
($ millions)4Q 2020
4Q 2019 3
YTD 2020
YTD 2019 3
Segment income (loss) before federal income taxes:
Insurance operations:
Personal insurance SAP underwriting gain (loss)$2.0 $(7.7)$(68.8)$(42.2)
Commercial insurance SAP underwriting gain (loss)20.6 17.0 (7.4)(0.2)
Specialty run-off(0.5)(8.4)(17.6)(9.7)
Total insurance operations22.1 0.9 (93.8)(52.1)
Investment operations:
Net investment income17.6 20.0 72.1 80.4 
Net investment gain66.6 24.0 27.3 74.2 
Total investment operations 84.2 44.0 99.4 154.6 
All other segments (loss) income(0.2)0.1 (0.1)0.3 
Reconciling items:
GAAP adjustments(0.4)(2.6)19.8 14.7 
Interest expense on corporate debt(1.1)(1.2)(4.7)(4.9)
Corporate expenses(2.6)0.2 (6.2)(7.1)
Total reconciling items(4.1)(3.6)8.9 2.7 
Total consolidated income before federal income taxes$102.0 $41.4 $14.4 $105.5 

Page 21 of 21
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Cover
Feb. 18, 2021
Cover [Abstract]  
Document Type 8-K
Document Period End Date Feb. 18, 2021
Entity Registrant Name STATE AUTO FINANCIAL CORPORATION
Entity Incorporation, State or Country Code OH
Entity File Number 000-19289
Entity Tax Identification Number 31-1324304
Entity Address, Address Line One 518 East Broad Street
Entity Address, City or Town Columbus
Entity Address, State or Province OH
Entity Address, Postal Zip Code 43215-3976
City Area Code (614)
Local Phone Number 464-5000
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common shares, without par value
Trading Symbol STFC
Security Exchange Name NASDAQ
Entity Emerging Growth Company false
Entity Central Index Key 0000874977
Amendment Flag false
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