Direct premiums written by line, property/casualty, United States--2004.

Direct Premiums Written Line, Property/Casualty, United States--2004
($ Thousands)

                                   Direct
                            Written Total    % of    % of
Business Line                    Premiums   Total     Chg

Private-Passenger             $94,673,604    20.3     4.1
  Auto Liability
    No-Fault                   11,203,125     2.4     3.6
    Other Liability            83,470,479    17.9     4.2
Private-Passenger Auto         65,877,795    14.1     2.4
  Physical Damage
Workers' Compensation          53,796,936    11.5     7.4
Homeowners Multiple Peril      53,071,557    11.4     9.5
Other Liability                50,081,562    10.8     4.0
Commercial Multiple Peril      32,572,091     7.0     3.6
  Nonliability                 19,414,591     4.2     2.0
  Liability                    13,157,500     2.8     6.1
Commercial Auto Liability      22,397,866     4.8     4.4
  No-Fault                        561,038     0.1     3.6
  Other Liability              21,836,829     4.7     4.4
Medical Malpractice            11,366,007     2.4     5.5
Inland Marine                  11,211,114     2.4     3.9
Fire                            8,705,892     1.9    -4.1
Commercial Auto                 7,566,351     1.6     0.1
  Physical Damage
Allied                          6,791,474     1.5    -4.3
Group Accident & Health         5,459,690     1.2   -24.7
Mortgage Guaranty               5,010,708     1.1     1.1
Product Liability               4,259,133     0.9    14.9
Multiple Peril Crop             4,187,994     0.9    28.5
Surety                          4,163,364     0.9     6.9
Financial Guaranty              3,000,930     0.6    -8.5
Other Accident & Health         2,699,300     0.6   -16.1
Ocean Marine                    2,693,017     0.6     4.8
Farmowners Multiple Peril       2,288,888     0.5     5.7
Aircraft                        1,962,843     0.4   -19.3
Earthquake                      1,922,087     0.4     6.4
Federal Flood                   1,767,811     0.4     9.2
Fidelity                        1,277,015     0.3    71.0
Federal Employees Health        1,160,820     0.2    31.2
Boiler and Machinery            1,103,932     0.2    -6.4
Credit                            994,403     0.2    31.8
Burglary and Theft                130,189     0.0    10.3
Miscellaneous                   3,626,924     0.8    -3.6
Total P/C Industry           $465,821,300   100.0     3.9

                              Adjusted
                             Loss Ratio

Business Line               2004    2003   Leading Writer

Private-Passenger           62.7    66.6   State Farm Group
  Auto Liability
    No-Fault                76.8    88.2   State Farm Group
    Other Liability         60.9    63.7   State Farm Group
Private-Passenger Auto      53.4    58.3   State Farm Group
  Physical Damage
Workers' Compensation       69.3    74.8   State Comp Ins Fund CA
Homeowners Multiple Peril   65.9    59.5   State Farm Group
Other Liability             71.4    76.7   Amer Intl Group Inc
Commercial Multiple Peril   54.3    50.2   St. Paul Travelers Cos
  Nonliability              56.5    45.4   St. Paul Travelers Cos
  Liability                 51.0    57.7   St. Paul Travelers Cos
Commercial Auto Liability   55.7    61.4   St. Paul Travelers Cos
  No-Fault                  55.6    53.3   Progressive Ins Group
  Other Liability           55.7    61.6   St. Paul Travelers Cos
Medical Malpractice         63.8    82.8   Amer Intl Group Inc
Inland Marine               43.1    43.3   Amer Intl Group Inc
Fire                        32.8    38.7   Amer Intl Group Inc
Commercial Auto             47.3    47.9   St. Paul Travelers Cos
  Physical Damage
Allied                      92.6    48.4   FM Global Group
Group Accident & Health     71.0    71.0   Anthem Ins Cos Inc
Mortgage Guaranty           39.9    38.3   Mortgage Guar Group
Product Liability           98.6   100.4   Zurich Finl Svcs NA
Multiple Peril Crop         69.9    85.6   Ace INA Group
Surety                      60.6    51.2   St. Paul Travelers Cos
Financial Guaranty          18.8     5.7   Ambac Finl Group
Other Accident & Health     64.0    66.1   State Farm Group
Ocean Marine                62.3    64.0   St. Paul Travelers Cos
Farmowners Multiple Peril   56.8    61.0   Nationwide Group
Aircraft                    38.5    41.8   Amer Intl Group Inc
Earthquake                   9.4    14.3   CA Earthquake Authority
Federal Flood               99.6    37.7   Fidelity Natl Group
Fidelity                    45.7    37.7   Amer Intl Group Inc
Federal Employees Health    93.9    93.6   Anthem Ins Cos Inc
Boiler and Machinery        23.2    22.4   FM Global Group
Credit                      47.8    42.2   Euler Amer Credit
                                             Indemnity Co
Burglary and Theft          25.5    24.4   Chubb Group of Ins Cos
Miscellaneous               65.8    70.6
Total P/C Industry          61.3    62.9   State Farm Group

                                                 % of
                                         %   Writer's
                                    Market      Total
Business Line               AMB #    Share        DPW

Private-Passenger           00088     18.0       36.3
  Auto Liability
    No-Fault                00088     17.0        4.0
    Other Liability         00088     18.2       32.3
Private-Passenger Auto      00088     18.5       25.9
  Physical Damage
Workers' Compensation       04028     15.3      100.0
Homeowners Multiple Peril   00088     22.5       25.3
Other Liability             18540     19.7       34.8
Commercial Multiple Peril   18647      9.4       13.8
  Nonliability              18647      9.1        8.0
  Liability                 18647      9.9        5.8
Commercial Auto Liability   18647      9.3        9.4
  No-Fault                  00780     11.2        0.5
  Other Liability           18647      9.4        9.2
Medical Malpractice         18540      8.1        3.2
Inland Marine               18540     10.4        4.1
Fire                        18540     13.8        4.2
Commercial Auto             18647      6.8        2.3
  Physical Damage
Allied                      18502     12.9       41.8
Group Accident & Health     00607     21.2       49.4
Mortgage Guaranty           03014     27.9      100.0
Product Liability           18549     15.2        4.9
Multiple Peril Crop         18498     20.3       13.2
Surety                      18647     21.8        4.1
Financial Guaranty          18449     27.3       99.5
Other Accident & Health     00088     29.3        1.7
Ocean Marine                18647     10.0        1.2
Farmowners Multiple Peril   05987      8.0        1.3
Aircraft                    18540     25.2        1.7
Earthquake                  12534     24.2      100.0
Federal Flood               18606     18.1       74.4
Fidelity                    18540     20.0        0.9
Federal Employees Health    00607     74.5       36.9
Boiler and Machinery        18502     23.1       12.2
Credit                      02097     12.7      100.0
Burglary and Theft          00012     23.7        0.3
Miscellaneous
Total P/C Industry          00088     10.1      100.0

                            Second
Business Line               Leading Writer            AMB #

Private-Passenger           Allstate Ins Group        00008
  Auto Liability
    No-Fault                Allstate Ins Group        00008
    Other Liability         Allstate Ins Group        00008
Private-Passenger Auto      Allstate Ins Group        00008
  Physical Damage
Workers' Compensation       Amer Intl Group Inc       18540
Homeowners Multiple Peril   Allstate Ins Group        00008
Other Liability             Zurich Finl Svcs NA       18549
Commercial Multiple Peril   Hartford Ins Group        00048
  Nonliability              Hartford Ins Group        00048
  Liability                 Hartford Ins Group        00048
Commercial Auto Liability   Progressive Ins Group     00780
  No-Fault                  Amer Transit Ins Co       04660
  Other Liability           Progressive Ins Group     00780
Medical Malpractice         MLMIC Group               18439
Inland Marine               St. Paul Travelers Cos    18647
Fire                        St. Paul Travelers Cos    18647
Commercial Auto             State Farm Group          00088
  Physical Damage
Allied                      St. Paul Travelers Cos    18647
Group Accident & Health     CNA Ins Cos               18313
Mortgage Guaranty           Radian Group              18150
Product Liability           St. Paul Travelers Cos    18647
Multiple Peril Crop         Centurion Ins Group       18188
Surety                      CNA Ins Cos               18313
Financial Guaranty          MBIA Group                03166
Other Accident & Health     CNA Ins Cos               18313
Ocean Marine                Amer Intl Group Inc       18540
Farmowners Multiple Peril   State Farm Group          00088
Aircraft                    XL America Group          18491
Earthquake                  State Farm Group          00088
Federal Flood               State Farm Group          00088
Fidelity                    Chubb Group of Ins Cos    00012
Federal Employees Health    Rocky Mountain Hospital   68817
                              & Medical Svc
Boiler and Machinery        Amer Intl Group Inc       18540
Credit                      Allstate Ins Group        00008
Burglary and Theft          St. Paul Travelers Cos    18647
Miscellaneous
Total P/C Industry          Amer Intl Group Inc       18540

                                         % of
                                %    Writer's
                            Market      Total
Business Line               Share         DPW

Private-Passenger             10.2       39.1
  Auto Liability
    No-Fault                  10.8        4.9
    Other Liability           10.1       34.2
Private-Passenger Auto        10.6       28.4
  Physical Damage
Workers' Compensation         10.3       19.5
Homeowners Multiple Peril     11.3       24.3
Other Liability                7.8       29.4
Commercial Multiple Peril      6.1       17.5
  Nonliability                 6.6       11.4
  Liability                    5.2        6.1
Commercial Auto Liability      6.2       10.1
  No-Fault                    10.9       23.7
  Other Liability              6.0        9.6
Medical Malpractice            8.0       96.5
Inland Marine                  7.5        3.8
Fire                           7.0        2.8
Commercial Auto                6.7        1.1
  Physical Damage
Allied                         8.0        2.5
Group Accident & Health       11.5        5.8
Mortgage Guaranty             18.0       82.0
Product Liability             10.4        2.0
Multiple Peril Crop           14.6       99.2
Surety                         8.4        3.2
Financial Guaranty            24.0      100.0
Other Accident & Health       17.7        4.4
Ocean Marine                   9.6        0.9
Farmowners Multiple Peril      6.6        0.3
Aircraft                      14.7        9.5
Earthquake                     9.3        0.4
Federal Flood                 15.6        0.6
Fidelity                      18.9        2.5
Federal Employees Health      25.5       33.8
Boiler and Machinery          15.0        0.6
Credit                        10.3        0.4
Burglary and Theft            20.7        0.1
Miscellaneous
Total P/C Industry             6.1      100.0

Source: A.M. Best Co.