Personal Lines
| Six Months Ended June 30, | ||||||
|---|---|---|---|---|---|---|
| 2014 | 2013 | Change | ||||
| Net premiums written (billions) | $ | 8.34 | $ | 7.89 | 6% | |
| Net premiums earned (billions) | $ | 8.03 | $ | 7.59 | 6% | |
| Loss and loss adjustment expense ratio | 73.4 | 72.1 | 1.3 pts. | |||
| Underwriting expense ratio | 20.3 | 20.5 | (.2) pts. | |||
| Combined ratio | 93.7 | 92.6 | 1.1 pts. | |||
| Policies in force (thousands) | 13,360.9 | 13,007.8 | 3% | |||
Commercial Lines
| Six Months Ended June 30, | ||||||
|---|---|---|---|---|---|---|
| 2014 | 2013 | Change | ||||
| Net premiums written (billions) | $ | .97 | $ | .94 | 3% | |
| Net premiums earned (billions) | $ | .88 | $ | .87 | 2% | |
| Loss and loss adjustment expense ratio | 64.7 | 72.4 | (7.7) pts. | |||
| Underwriting expense ratio | 21.8 | 22.2 | (.4) pts. | |||
| Combined ratio | 86.5 | 94.6 | (8.1) pts. | |||
| Policies in force (thousands) | 516.5 | 526.6 | (2)% | |||
