Personal Lines
| Three Months Ended March 31, | ||||||
|---|---|---|---|---|---|---|
| 2014 | 2013 | Change | ||||
| Net premiums written (in billions) | $ | 4.22 | $ | 3.99 | 6% | |
| Net premiums earned (in billions) | $ | 3.97 | $ | 3.75 | 6% | |
| Loss and loss adjustment expense ratio | 73.2 | 71.1 | 2.1 pts. | |||
| Underwriting expense ratio | 20.5 | 20.8 | (.3) pts. | |||
| Combined ratio | 93.7 | 91.9 | 1.8 pts. | |||
| Policies in force (in thousands) | 13,278.8 | 12,869.9 | 3% | |||
Commercial Lines
| Three Months Ended March 31, | ||||||
|---|---|---|---|---|---|---|
| 2014 | 2013 | Change | ||||
| Net premiums written (in billions) | $ | .46 | $ | .46 | 0% | |
| Net premiums earned (in billions) | $ | .44 | $ | .43 | 2% | |
| Loss and loss adjustment expense ratio | 69.3 | 73.9 | (4.6) pts. | |||
| Underwriting expense ratio | 21.3 | 22.6 | (1.3) pts. | |||
| Combined ratio | 90.6 | 96.5 | (5.9) pts. | |||
| Policies in force (in thousands) | 509.4 | 519.6 | (2)% | |||
