Commercial multiple peril, top writers, United States--2003.

Commercial Multiple Peril, Top Writers, United States--2003

Rank is based on 2003 direct premiums written.

($ Thousands)

                                            2003 Direct            %
                                               Premiums    Change in
Rank    Group                      AMB #        Written     Premiums

   1    Travelers P&C Group        18358     $2,470,613         13.2
   2    Zurich/Farmers Group       18549      2,344,886         -3.6
   3    Hartford Ins Group         00048      1,824,934         13.9
   4    Chubb Group of Ins Cos     00012      1,718,464         16.3
   5    CNA Ins Cos                18313      1,394,194          5.1
   6    State Farm Group           00088      1,312,566         13.8
   7    Liberty Mutual Ins Cos     00060      1,245,898         19.0
   8    Nationwide Group           05987      1,201,279          9.7
   9    Allianz of America, Inc    18429        859,386          8.9
  10    Cincinnati Ins Cos         04294        736,218          6.4
  11    St. Paul Cos               00080        676,690         16.0
  12    Auto-Owners Ins Group      04354        644,251         28.3
  13    Safeco Ins Cos             00078        630,833         15.1
  14    Royal & SunAlliance USA    18371        605,117         -9.3
  15    Philadelphia Ins Cos       00476        580,737         46.2
  16    Allstate Ins Group         00008        504,111         22.1
  17    W.R. Berkley Group         04655        494,198         20.2
  18    Amer Intl Group, Inc       18540        445,333         32.7
  19    Erie Ins Group             04283        444,693         21.1
  20    Harleysville Ins           03916        385,269         12.2
  21    Allmerica Finl P&C Cos     04861        367,708         -8.3
  22    Amer Family Ins Group      00124        346,663         21.5
  23    OH Cas Group               00726        342,559         13.0
  24    Church Mutual Ins Co       00259        307,557         23.4
  25    Atlantic Mutual Cos        00178        306,599         -5.9
        Top 25 Writers                      $22,190,756         11.4
        Total U.S. P/C Industry             $31,427,105          7.5

            Market Share (%)         Adjusted Loss Ratios

Rank     2003     2002     2001     2003     2002      2001

   1      7.9      7.5      7.4     44.7     50.4      62.1
   2      7.5      8.3      8.2     56.1     65.1      62.8
   3      5.8      5.5      5.4     66.4     49.3      60.6
   4      5.5      5.1      4.0     38.8     57.4     231.4
   5      4.4      4.4      5.5     61.7     50.4     103.4
   6      4.2      3.9      3.8     48.2     59.7      76.1
   7      4.0      3.6      3.2     35.2     53.8     108.7
   8      3.8      3.7      3.6     47.1     43.1      59.0
   9      2.7      2.7      3.4     30.7     47.5      73.7
  10      2.3      2.4      2.7     51.1     55.8      68.6
  11      2.2      2.0      2.2     31.0     35.0     179.1
  12      2.0      1.7      1.5     60.5     50.5      76.8
  13      2.0      1.9      2.2     43.4     68.6      60.1
  14      1.9      2.3      2.2     35.1    135.2     147.8
  15      1.8      1.4      0.9     39.6     45.1      52.0
  16      1.6      1.4      1.5     48.1     56.7      54.8
  17      1.6      1.4      0.9     42.2     40.6      71.1
  18      1.4      1.1      1.1     38.8     66.9      30.7
  19      1.4      1.3      1.0     75.7     61.7      63.0
  20      1.2      1.2      1.1     62.1     42.7      50.3
  21      1.2      1.4      1.7     50.1     48.9      73.4
  22      1.1      1.0      0.7     52.9     61.9      97.2
  23      1.1      1.0      1.0     57.2     45.1      55.0
  24      1.0      0.9      0.8     60.8     63.2      71.1
  25      1.0      1.1      1.2     57.0     49.1      91.3
         70.6     68.2     67.1     49.1     56.3      86.7
        100.0    100.0    100.0     50.2     55.7      82.1

            % of
         Company
Rank    Premiums

   1        16.7
   2         8.9
   3        17.6
   4        18.5
   5        12.0
   6         2.9
   7         8.5
   8         8.8
   9        17.6
  10        24.9
  11         9.3
  12        16.0
  13        12.3
  14        15.1
  15        64.5
  16         2.2
  17        16.2
  18         1.7
  19        12.1
  20        30.9
  21        15.2
  22         6.2
  23        21.8
  24        69.8
  25        30.3
             9.1
             7.0

Source: A.M. Best Co. State/Line Database