Personal Lines
| Nine Months Ended September 30, | ||||||
|---|---|---|---|---|---|---|
| 2014 | 2013 | Change | ||||
| Net premiums written (billions) | $ | 12.61 | $ | 11.91 | 6% | |
| Net premiums earned (billions) | $ | 12.12 | $ | 11.44 | 6% | |
| Loss and loss adjustment expense ratio | 73.6 | 72.5 | 1.1 pts. | |||
| Underwriting expense ratio | 20.1 | 20.6 | (.5) pts. | |||
| Combined ratio | 93.7 | 93.1 | .6 pts. | |||
| Policies in force (thousands) | 13,319.8 | 13,055.4 | 2% | |||
Commercial Lines
| Nine Months Ended September 30, | ||||||
|---|---|---|---|---|---|---|
| 2014 | 2013 | Change | ||||
| Net premiums written (billions) | $ | 1.43 | $ | 1.38 | 4% | |
| Net premiums earned (billions) | $ | 1.34 | $ | 1.32 | 2% | |
| Loss and loss adjustment expense ratio | 63.2 | 72.6 | (9.4) pts. | |||
| Underwriting expense ratio | 21.6 | 21.8 | (.2) pts. | |||
| Combined ratio | 84.8 | 94.4 | (9.6) pts. | |||
| Policies in force (thousands) | 517.8 | 524.7 | (1)% | |||
