Accident Year Loss RatiosGross Ultimates (%)

2001

2000

1999

1998

2001 Analyst Conference

(

Disciplined Underwriting Is Driving Improvement

*Institutions and Large Physician Accounts

D&O 98 100 106 100

E&O 73 77 79 82

Medical Malpractice* 123 136 165 149

Specialty

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