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101199_13_item7_p36_s1
101199_12_item7_p44_s0
NM = not meaningful (1) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.
(2) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than GAAP.
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101199_13_item7_p39_s3
101199_12_item7_p53_s0
Assumed Premiums Written In 2011, we increased our participation on one active contract, while renewing all other active contracts.
In 2011, we increased our participation on one active contract, while renewing all other active contracts.
2
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101199_13_item7_p42_s5
101199_12_item7_p57_s4
We use catastrophe modeling and a risk concentration management tool to monitor and control our accumulations of potential losses in natural catastrophe exposed areas of the United States, such as California and the Gulf and East Coasts, as well as in natural catastrophe exposed areas of other countries.
We use catastrophe modeling and a risk concentration management tool to monitor and control our accumulations of potential losses in natural catastrophe exposed areas of the United States, such as the Gulf and East Coasts, as well as in areas of exposure in other countries where we are exposed to a portion of an insurer's underwriting risk under our assumed reinsurance contracts.
2
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101199_13_item7_p43_s2
101199_12_item7_p60_s2
Because of this, actual results may differ materially from those derived from our modeling exercises.
Because of this, actual results may differ materially from those derived from our modeling assumptions.
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101199_13_item7_p46_s0
101199_12_item7_p63_s1
All reinsurers we do business with must meet the following minimum criteria: capital and surplus of at least $250.0 million and an A.M. Best rating or an S P rating of at least A-.
surplus of at least $250.0 million and an A.M. Best rating or an S P rating of at least A-.
2
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101199_13_item7_p56_s0
101199_12_item7_p67_s1
Non-Catastrophe Losses and Reserve Development Workers compensation insurance and other liability insurance are considered to be long-tail lines of business due to the length of time that may elapse before claims are finally settled.
Workers compensation insurance and other liability insurance are considered to be long-tail lines of business due to the length of time that may elapse before claims are finally settled.
2
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101199_13_item7_p51_s0
101199_12_item7_p69_s3
The favorable development included $6.5 million in adverse development from Hurricane Katrina as a result of our continuing resolution of outstanding claims litigation.
our favorable development of reserves established for claims that occurred in prior years of $61.1 million, which included $6.5 million in adverse development from Hurricane Katrina as a result of our continuing resolution of outstanding claims litigation.
2
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101199_13_item7_p51_s3
101199_12_item7_p69_s8
The favorable development included $8.6 million in adverse development from Hurricane Katrina as a result of our continuing resolution of outstanding claims litigation.
2010 Results In 2010, we reported favorable reserve development on prior year claims of $45.9 million, which included $8.6 million in adverse development from Hurricane Katrina as a result of our continuing resolution of outstanding claims litigation.
2
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101199_13_item7_p51_s2
101199_12_item7_p81_s4
The improvement in this line is the result of a lower level of required reserves for IBNR losses in 2011; a reduction in our legal expenses as a result of an initiative we implemented in 2009; and an overall improvement in our underwriting results.
Our other liability and products liability lines had significant decreases in losses as a result of a lower level of required reserves for IBNR losses in 2011, a reduction in our legal expenses as a result of an initiative we implemented in 2009, and an overall improvement in our underwriting results.
2
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[ "Our", "other", "liability", "and", "products", "liability", "lines", "had", "significant", "decreases", "in", "losses", "as", "a", "result", "of", "a", "lower", "level", "of", "required", "reserves", "for", "IBNR", "losses", "in", "2011", ",", "a", "reduction", "in", "our", "legal", "expenses", "as", "a", "result", "of", "an", "initiative", "we", "implemented", "in", "2009", ",", "and", "an", "overall", "improvement", "in", "our", "underwriting", "results", "." ]
[]
[ "liability", "products", "liability", "lines", "significant", "decreases" ]
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101199_13_item7_p232_s4
101199_12_item7_p82_s0
Insurance Group contributed $24.9 million in construction defect loss and loss settlement expense reserves at December 31, 2011 , representing 1,535 claims.
The acquisition of Mercer Insurance Group contributed $24.9 million in construction defect loss and loss settlement expense reserves at December 31, 2011 , representing 1,535 claims.
2
[ "<tag1>", "Insurance", "Group", "contributed", "$", "24.9", "million", "in", "construction", "defect", "loss", "and", "loss", "settlement", "expense", "reserves", "at", "December", "31", ",", "2011", ",", "representing", "1,535", "claims", ".", "<tag2>", "The", "acquisition", "of", "Mercer", "Insurance", "Group", "contributed", "$", "24.9", "million", "in", "construction", "defect", "loss", "and", "loss", "settlement", "expense", "reserves", "at", "December", "31", ",", "2011", ",", "representing", "1,535", "claims", ".", "<tag3>" ]
[ "Insurance", "Group", "contributed", "$", "24.9", "million", "in", "construction", "defect", "loss", "and", "loss", "settlement", "expense", "reserves", "at", "December", "31", ",", "2011", ",", "representing", "1,535", "claims", "." ]
[ "The", "acquisition", "of", "Mercer", "Insurance", "Group", "contributed", "$", "24.9", "million", "in", "construction", "defect", "loss", "and", "loss", "settlement", "expense", "reserves", "at", "December", "31", ",", "2011", ",", "representing", "1,535", "claims", "." ]
[]
[ "acquisition", "Mercer" ]
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101199_13_item7_p65_s7
101199_12_item7_p82_s0
Insurance Group contributed $24.9 million in construction defect loss and loss settlement expense reserves at December 31, 2011 , representing 1,535 claims.
The acquisition of Mercer Insurance Group contributed $24.9 million in construction defect loss and loss settlement expense reserves at December 31, 2011, representing 1,535 claims.
2
[ "<tag1>", "Insurance", "Group", "contributed", "$", "24.9", "million", "in", "construction", "defect", "loss", "and", "loss", "settlement", "expense", "reserves", "at", "December", "31", ",", "2011", ",", "representing", "1,535", "claims", ".", "<tag2>", "The", "acquisition", "of", "Mercer", "Insurance", "Group", "contributed", "$", "24.9", "million", "in", "construction", "defect", "loss", "and", "loss", "settlement", "expense", "reserves", "at", "December", "31", ",", "2011", ",", "representing", "1,535", "claims", ".", "<tag3>" ]
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[ "The", "acquisition", "of", "Mercer", "Insurance", "Group", "contributed", "$", "24.9", "million", "in", "construction", "defect", "loss", "and", "loss", "settlement", "expense", "reserves", "at", "December", "31", ",", "2011", ",", "representing", "1,535", "claims", "." ]
[]
[ "acquisition", "Mercer" ]
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101199_13_item7_p232_s0
101199_12_item7_p83_s0
Construction defect claims generally relate to allegedly defective work performed in the construction of structures such as apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.
Construction defect is a liability allegation relating to defective work performed in the construction of structures such as commercial buildings, apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.
2
[ "<tag1>", "Construction", "defect", "claims", "generally", "relate", "to", "allegedly", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", ".", "<tag2>", "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", ".", "<tag3>" ]
[ "Construction", "defect", "claims", "generally", "relate", "to", "allegedly", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]
[ "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]
[]
[ "liability", "allegation", "relating", "commercial", "buildings" ]
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101199_13_item7_p70_s5
101199_12_item7_p90_s4
The deterioration in 2011 is primarily attributable to including Mercer Insurance Group's loss and loss settlement expenses in our results; otherwise the line remained relatively flat year-over-year.
The increase in 2011 is primarily attributable to including Mercer Insurance Group's loss and loss settlement expenses of $13.8 million in our results; otherwise the line remained relatively flat year-over-year.
2
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[ "The", "increase", "in", "2011", "is", "primarily", "attributable", "to", "including", "Mercer", "Insurance", "Group", "'s", "loss", "and", "loss", "settlement", "expenses", "of", "$", "13.8", "million", "in", "our", "results", ";", "otherwise", "the", "line", "remained", "relatively", "flat", "year", "-", "over", "-", "year", "." ]
[]
[ "increase", "13.8", "million" ]
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101199_13_item7_p76_s0
101199_12_item7_p96_s4
In 2010, we had an increase in our loss and loss settlement expenses, which is primarily the result of one large claim.
In 2012, our claims frequency remained stable, yet we had an increase in our loss and loss settlement expenses, which is primarily the result of one large claim.
2
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[]
[ "claims", "frequency", "remained", "stable", "yet" ]
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101199_14_item7_p117_s2
101199_13_item7_p112_s2
In our property and casualty insurance segment, an increase in the value of our investments in limited liability partnerships and the inclusion of Mercer Insurance Group's results for the entire year contributed to the increase of 17.9 percent in net investment income in 2012 , compared with the same period of 2011 .
In our property and casualty insurance segment, an increase in the value of our investments in limited liability partnerships contributed to the increase of 10.6 percent in net investment income in 2013 , compared with the same period of 2012 .
2
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[ "In", "our", "property", "and", "casualty", "insurance", "segment", ",", "an", "increase", "in", "the", "value", "of", "our", "investments", "in", "limited", "liability", "partnerships", "and", "the", "inclusion", "of", "Mercer", "Insurance", "Group", "'s", "results", "for", "the", "entire", "year", "contributed", "to", "the", "increase", "of", "17.9", "percent", "in", "net", "investment", "income", "in", "2012", ",", "compared", "with", "the", "same", "period", "of", "2011", "." ]
[ "In", "our", "property", "and", "casualty", "insurance", "segment", ",", "an", "increase", "in", "the", "value", "of", "our", "investments", "in", "limited", "liability", "partnerships", "contributed", "to", "the", "increase", "of", "10.6", "percent", "in", "net", "investment", "income", "in", "2013", ",", "compared", "with", "the", "same", "period", "of", "2012", "." ]
[]
[ "10.6" ]
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101199_14_item7_p194_s0
101199_13_item7_p113_s1
We continually monitor the difference between our cost basis and the estimated fair value of our investments.
Other-Than-Temporary Impairment Charges We continually monitor the difference between our cost basis and the estimated fair value of our investments.
2
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[ "We", "continually", "monitor", "the", "difference", "between", "our", "cost", "basis", "and", "the", "estimated", "fair", "value", "of", "our", "investments", "." ]
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[]
[ "Temporary", "Impairment", "Charges" ]
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101199_14_item7_p194_s1
101199_13_item7_p113_s2
Our accounting policy for impairment recognition requires other-than-temporary impairment charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.
Our accounting policy for impairment recognition requires OTTI charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.
2
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[ "Our", "accounting", "policy", "for", "impairment", "recognition", "requires", "other", "-", "than", "-", "temporary", "impairment", "charges", "to", "be", "recorded", "when", "we", "determine", "that", "it", "is", "more", "likely", "than", "not", "that", "we", "will", "be", "unable", "to", "collect", "all", "amounts", "due", "according", "to", "the", "contractual", "terms", "of", "the", "fixed", "maturity", "security", "or", "that", "the", "anticipated", "recovery", "in", "fair", "value", "of", "the", "equity", "security", "will", "not", "occur", "in", "a", "reasonable", "amount", "of", "time", "." ]
[ "Our", "accounting", "policy", "for", "impairment", "recognition", "requires", "OTTI", "charges", "to", "be", "recorded", "when", "we", "determine", "that", "it", "is", "more", "likely", "than", "not", "that", "we", "will", "be", "unable", "to", "collect", "all", "amounts", "due", "according", "to", "the", "contractual", "terms", "of", "the", "fixed", "maturity", "security", "or", "that", "the", "anticipated", "recovery", "in", "fair", "value", "of", "the", "equity", "security", "will", "not", "occur", "in", "a", "reasonable", "amount", "of", "time", "." ]
[]
[ "OTTI" ]
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101199_14_item7_p177_s3
101199_13_item7_p118_s0
(1) Represents the change in value of our interests in limited liability partnerships that are recorded on the equity method of accounting.
Other long-term investments consist primarily of our interests in limited liability partnerships that are recorded on the equity method of accounting.
2
[ "<tag1>", "(", "1", ")", "Represents", "the", "change", "in", "value", "of", "our", "interests", "in", "limited", "liability", "partnerships", "that", "are", "recorded", "on", "the", "equity", "method", "of", "accounting", ".", "<tag2>", "Other", "long", "-", "term", "investments", "consist", "primarily", "of", "our", "interests", "in", "limited", "liability", "partnerships", "that", "are", "recorded", "on", "the", "equity", "method", "of", "accounting", ".", "<tag3>" ]
[ "(", "1", ")", "Represents", "the", "change", "in", "value", "of", "our", "interests", "in", "limited", "liability", "partnerships", "that", "are", "recorded", "on", "the", "equity", "method", "of", "accounting", "." ]
[ "Other", "long", "-", "term", "investments", "consist", "primarily", "of", "our", "interests", "in", "limited", "liability", "partnerships", "that", "are", "recorded", "on", "the", "equity", "method", "of", "accounting", "." ]
[]
[ "long", "term", "investments", "consist", "primarily" ]
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101199_14_item7_p150_s1
101199_13_item7_p144_s1
Fixed maturities provide regular interest payments and allow us to match the duration of our liabilities.
Fixed maturity securities provide regular interest payments and allow us to match the duration of our liabilities.
2
[ "<tag1>", "Fixed", "maturities", "provide", "regular", "interest", "payments", "and", "allow", "us", "to", "match", "the", "duration", "of", "our", "liabilities", ".", "<tag2>", "Fixed", "maturity", "securities", "provide", "regular", "interest", "payments", "and", "allow", "us", "to", "match", "the", "duration", "of", "our", "liabilities", ".", "<tag3>" ]
[ "Fixed", "maturities", "provide", "regular", "interest", "payments", "and", "allow", "us", "to", "match", "the", "duration", "of", "our", "liabilities", "." ]
[ "Fixed", "maturity", "securities", "provide", "regular", "interest", "payments", "and", "allow", "us", "to", "match", "the", "duration", "of", "our", "liabilities", "." ]
[]
[ "maturity", "securities" ]
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101199_14_item7_p156_s5
101199_13_item7_p151_s4
Based on these restrictions, at December 31, 2012, our insurance operating subsidiaries are able to make a maximum of $31.6 million in dividend payments without prior regulatory approval.
Based on these restrictions, at December 31, 2013 , our insurance company subsidiary, United Fire Casualty, is able to make a maximum of $53.7 million in dividend payments without prior regulatory approval.
2
[ "<tag1>", "Based", "on", "these", "restrictions", ",", "at", "December", "31", ",", "2012", ",", "our", "insurance", "operating", "subsidiaries", "are", "able", "to", "make", "a", "maximum", "of", "$", "31.6", "million", "in", "dividend", "payments", "without", "prior", "regulatory", "approval", ".", "<tag2>", "Based", "on", "these", "restrictions", ",", "at", "December", "31", ",", "2013", ",", "our", "insurance", "company", "subsidiary", ",", "United", "Fire", "Casualty", ",", "is", "able", "to", "make", "a", "maximum", "of", "$", "53.7", "million", "in", "dividend", "payments", "without", "prior", "regulatory", "approval", ".", "<tag3>" ]
[ "Based", "on", "these", "restrictions", ",", "at", "December", "31", ",", "2012", ",", "our", "insurance", "operating", "subsidiaries", "are", "able", "to", "make", "a", "maximum", "of", "$", "31.6", "million", "in", "dividend", "payments", "without", "prior", "regulatory", "approval", "." ]
[ "Based", "on", "these", "restrictions", ",", "at", "December", "31", ",", "2013", ",", "our", "insurance", "company", "subsidiary", ",", "United", "Fire", "Casualty", ",", "is", "able", "to", "make", "a", "maximum", "of", "$", "53.7", "million", "in", "dividend", "payments", "without", "prior", "regulatory", "approval", "." ]
[]
[ "company", "subsidiary", "United", "Fire", "Casualty", "53.7" ]
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101199_14_item7_p172_s0
101199_13_item7_p164_s1
Contributions for future years are dependent on a number of factors, including actual performance versus assumptions made at the time of the actuarial valuations and maintaining certain funding levels relative to regulatory requirements.
assumptions made at the time of the actuarial valuations and maintaining certain funding levels relative to regulatory requirements.
2
[ "<tag1>", "Contributions", "for", "future", "years", "are", "dependent", "on", "a", "number", "of", "factors", ",", "including", "actual", "performance", "versus", "assumptions", "made", "at", "the", "time", "of", "the", "actuarial", "valuations", "and", "maintaining", "certain", "funding", "levels", "relative", "to", "regulatory", "requirements", ".", "<tag2>", "assumptions", "made", "at", "the", "time", "of", "the", "actuarial", "valuations", "and", "maintaining", "certain", "funding", "levels", "relative", "to", "regulatory", "requirements", ".", "<tag3>" ]
[ "Contributions", "for", "future", "years", "are", "dependent", "on", "a", "number", "of", "factors", ",", "including", "actual", "performance", "versus", "assumptions", "made", "at", "the", "time", "of", "the", "actuarial", "valuations", "and", "maintaining", "certain", "funding", "levels", "relative", "to", "regulatory", "requirements", "." ]
[ "assumptions", "made", "at", "the", "time", "of", "the", "actuarial", "valuations", "and", "maintaining", "certain", "funding", "levels", "relative", "to", "regulatory", "requirements", "." ]
[]
[]
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101199_14_item7_p173_s0
101199_13_item7_p165_s0
Off-Balance Sheet Arrangements Pursuant to an agreement with one of our limited liability partnership investments, we are contractually committed to make capital contributions up to $15.0 million , upon request by the partnership, through December 31, 2017.
Off-Balance Sheet Arrangements Pursuant to an agreement with one of our limited liability partnership investments, we are contractually committed through December 31, 2017 to make capital contributions upon request of the partnership.
2
[ "<tag1>", "Off", "-", "Balance", "Sheet", "Arrangements", "Pursuant", "to", "an", "agreement", "with", "one", "of", "our", "limited", "liability", "partnership", "investments", ",", "we", "are", "contractually", "committed", "to", "make", "capital", "contributions", "up", "to", "$", "15.0", "million", ",", "upon", "request", "by", "the", "partnership", ",", "through", "December", "31", ",", "2017", ".", "<tag2>", "Off", "-", "Balance", "Sheet", "Arrangements", "Pursuant", "to", "an", "agreement", "with", "one", "of", "our", "limited", "liability", "partnership", "investments", ",", "we", "are", "contractually", "committed", "through", "December", "31", ",", "2017", "to", "make", "capital", "contributions", "upon", "request", "of", "the", "partnership", ".", "<tag3>" ]
[ "Off", "-", "Balance", "Sheet", "Arrangements", "Pursuant", "to", "an", "agreement", "with", "one", "of", "our", "limited", "liability", "partnership", "investments", ",", "we", "are", "contractually", "committed", "to", "make", "capital", "contributions", "up", "to", "$", "15.0", "million", ",", "upon", "request", "by", "the", "partnership", ",", "through", "December", "31", ",", "2017", "." ]
[ "Off", "-", "Balance", "Sheet", "Arrangements", "Pursuant", "to", "an", "agreement", "with", "one", "of", "our", "limited", "liability", "partnership", "investments", ",", "we", "are", "contractually", "committed", "through", "December", "31", ",", "2017", "to", "make", "capital", "contributions", "upon", "request", "of", "the", "partnership", "." ]
[]
[]
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101199_14_item7_p173_s1
101199_13_item7_p165_s1
Our remaining potential contractual obligation was $5.1 million at December 31, 2012 .
Our remaining potential contractual obligation was $1.1 million at December 31, 2013 .
2
[ "<tag1>", "Our", "remaining", "potential", "contractual", "obligation", "was", "$", "5.1", "million", "at", "December", "31", ",", "2012", ".", "<tag2>", "Our", "remaining", "potential", "contractual", "obligation", "was", "$", "1.1", "million", "at", "December", "31", ",", "2013", ".", "<tag3>" ]
[ "Our", "remaining", "potential", "contractual", "obligation", "was", "$", "5.1", "million", "at", "December", "31", ",", "2012", "." ]
[ "Our", "remaining", "potential", "contractual", "obligation", "was", "$", "1.1", "million", "at", "December", "31", ",", "2013", "." ]
[]
[ "1.1" ]
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101199_14_item7_p11_s0
101199_13_item7_p16_s0
Our consolidated financial statements are prepared on the basis of U.S. generally accepted accounting principals ("GAAP").
Our consolidated financial statements are prepared on the basis of GAAP.
2
[ "<tag1>", "Our", "consolidated", "financial", "statements", "are", "prepared", "on", "the", "basis", "of", "U.S.", "generally", "accepted", "accounting", "principals", "(", "\"", "GAAP", "\"", ")", ".", "<tag2>", "Our", "consolidated", "financial", "statements", "are", "prepared", "on", "the", "basis", "of", "GAAP", ".", "<tag3>" ]
[ "Our", "consolidated", "financial", "statements", "are", "prepared", "on", "the", "basis", "of", "U.S.", "generally", "accepted", "accounting", "principals", "(", "\"", "GAAP", "\"", ")", "." ]
[ "Our", "consolidated", "financial", "statements", "are", "prepared", "on", "the", "basis", "of", "GAAP", "." ]
[]
[]
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101199_14_item7_p177_s2
101199_13_item7_p170_s0
fixed maturity securities, trading securities and equity securities at fair value.
We record available-for-sale fixed maturity securities, trading securities and equity securities at fair value.
2
[ "<tag1>", "fixed", "maturity", "securities", ",", "trading", "securities", "and", "equity", "securities", "at", "fair", "value", ".", "<tag2>", "We", "record", "available", "-", "for", "-", "sale", "fixed", "maturity", "securities", ",", "trading", "securities", "and", "equity", "securities", "at", "fair", "value", ".", "<tag3>" ]
[ "fixed", "maturity", "securities", ",", "trading", "securities", "and", "equity", "securities", "at", "fair", "value", "." ]
[ "We", "record", "available", "-", "for", "-", "sale", "fixed", "maturity", "securities", ",", "trading", "securities", "and", "equity", "securities", "at", "fair", "value", "." ]
[]
[ "record", "available", "sale" ]
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101199_14_item7_p123_s0
101199_13_item7_p170_s1
Other long-term investments consist primarily of our interests in limited liability partnerships that are recorded on the equity method of accounting.
(1) Represents the change in value of our interests in limited liability partnerships that are recorded on the equity method of accounting.
2
[ "<tag1>", "Other", "long", "-", "term", "investments", "consist", "primarily", "of", "our", "interests", "in", "limited", "liability", "partnerships", "that", "are", "recorded", "on", "the", "equity", "method", "of", "accounting", ".", "<tag2>", "(", "1", ")", "Represents", "the", "change", "in", "value", "of", "our", "interests", "in", "limited", "liability", "partnerships", "that", "are", "recorded", "on", "the", "equity", "method", "of", "accounting", ".", "<tag3>" ]
[ "Other", "long", "-", "term", "investments", "consist", "primarily", "of", "our", "interests", "in", "limited", "liability", "partnerships", "that", "are", "recorded", "on", "the", "equity", "method", "of", "accounting", "." ]
[ "(", "1", ")", "Represents", "the", "change", "in", "value", "of", "our", "interests", "in", "limited", "liability", "partnerships", "that", "are", "recorded", "on", "the", "equity", "method", "of", "accounting", "." ]
[]
[ "1", "Represents", "change", "value" ]
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101199_14_item7_p181_s0
101199_13_item7_p173_s3
If the inputs used to measure fair value fall within different levels of the hierarchy, the category level is based on the lowest priority level input that is significant to the fair value measurement of the financial instrument.
is based on the lowest priority level input that is significant to the fair value measurement of the financial instrument.
2
[ "<tag1>", "If", "the", "inputs", "used", "to", "measure", "fair", "value", "fall", "within", "different", "levels", "of", "the", "hierarchy", ",", "the", "category", "level", "is", "based", "on", "the", "lowest", "priority", "level", "input", "that", "is", "significant", "to", "the", "fair", "value", "measurement", "of", "the", "financial", "instrument", ".", "<tag2>", "is", "based", "on", "the", "lowest", "priority", "level", "input", "that", "is", "significant", "to", "the", "fair", "value", "measurement", "of", "the", "financial", "instrument", ".", "<tag3>" ]
[ "If", "the", "inputs", "used", "to", "measure", "fair", "value", "fall", "within", "different", "levels", "of", "the", "hierarchy", ",", "the", "category", "level", "is", "based", "on", "the", "lowest", "priority", "level", "input", "that", "is", "significant", "to", "the", "fair", "value", "measurement", "of", "the", "financial", "instrument", "." ]
[ "is", "based", "on", "the", "lowest", "priority", "level", "input", "that", "is", "significant", "to", "the", "fair", "value", "measurement", "of", "the", "financial", "instrument", "." ]
[]
[]
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101199_14_item7_p118_s1
101199_13_item7_p186_s0
Other-Than-Temporary Impairment Charges We continually monitor the difference between our cost basis and the estimated fair value of our investments.
We regularly monitor the difference between our cost basis and the estimated fair value of our investments.
2
[ "<tag1>", "Other", "-", "Than", "-", "Temporary", "Impairment", "Charges", "We", "continually", "monitor", "the", "difference", "between", "our", "cost", "basis", "and", "the", "estimated", "fair", "value", "of", "our", "investments", ".", "<tag2>", "We", "regularly", "monitor", "the", "difference", "between", "our", "cost", "basis", "and", "the", "estimated", "fair", "value", "of", "our", "investments", ".", "<tag3>" ]
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[ "We", "regularly", "monitor", "the", "difference", "between", "our", "cost", "basis", "and", "the", "estimated", "fair", "value", "of", "our", "investments", "." ]
[]
[ "regularly" ]
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101199_14_item7_p118_s2
101199_13_item7_p186_s1
Our accounting policy for impairment recognition requires OTTI charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.
Our accounting policy for impairment recognition requires other-than-temporary impairment charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.
2
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[ "Our", "accounting", "policy", "for", "impairment", "recognition", "requires", "other", "-", "than", "-", "temporary", "impairment", "charges", "to", "be", "recorded", "when", "we", "determine", "that", "it", "is", "more", "likely", "than", "not", "that", "we", "will", "be", "unable", "to", "collect", "all", "amounts", "due", "according", "to", "the", "contractual", "terms", "of", "the", "fixed", "maturity", "security", "or", "that", "the", "anticipated", "recovery", "in", "fair", "value", "of", "the", "equity", "security", "will", "not", "occur", "in", "a", "reasonable", "amount", "of", "time", "." ]
[]
[ "temporary" ]
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101199_14_item7_p207_s0
101199_13_item7_p201_s5
The table below illustrates the impact that a reasonably likely change in our assumptions used to estimate expected gross profits would have on the DAC asset for our non-traditional business recorded as of December 31, 2012 .
estimate expected gross profits would have on the DAC asset for our non-traditional business recorded as of December 31, 2013 .
2
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[ "estimate", "expected", "gross", "profits", "would", "have", "on", "the", "DAC", "asset", "for", "our", "non", "-", "traditional", "business", "recorded", "as", "of", "December", "31", ",", "2013", "." ]
[]
[]
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101199_14_item7_p15_s0
101199_13_item7_p20_s0
( 1) The information presented for 2011 and after includes Mercer Insurance Group's results after the March 28, 2011 acquisition date.
NM = not meaningful (1) The information presented for 2011 and after includes Mercer Insurance Group s results after the March 28, 2011 acquisition date.
2
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[ "(", "1", ")", "The", "information", "presented", "for", "2011", "and", "after", "includes", "Mercer", "Insurance", "Group", "'s", "results", "after", "the", "March", "28", ",", "2011", "acquisition", "date", "." ]
[ "NM", "=", "not", "meaningful", "(", "1", ")", "The", "information", "presented", "for", "2011", "and", "after", "includes", "Mercer", "Insurance", "Group", "s", "results", "after", "the", "March", "28", ",", "2011", "acquisition", "date", "." ]
[]
[ "NM", "meaningful" ]
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101199_14_item7_p21_s0
101199_13_item7_p20_s0
( 1) The information presented for 2011 and after includes Mercer Insurance Group's results after the March 28, 2011 acquisition date.
NM = not meaningful (1) The information presented for 2011 and after includes Mercer Insurance Group s results after the March 28, 2011 acquisition date.
2
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[ "(", "1", ")", "The", "information", "presented", "for", "2011", "and", "after", "includes", "Mercer", "Insurance", "Group", "'s", "results", "after", "the", "March", "28", ",", "2011", "acquisition", "date", "." ]
[ "NM", "=", "not", "meaningful", "(", "1", ")", "The", "information", "presented", "for", "2011", "and", "after", "includes", "Mercer", "Insurance", "Group", "s", "results", "after", "the", "March", "28", ",", "2011", "acquisition", "date", "." ]
[]
[ "NM", "meaningful" ]
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101199_14_item7_p52_s0
101199_13_item7_p20_s0
( 1) The information presented for 2011 and after includes Mercer Insurance Group's results after the March 28, 2011 acquisition date.
NM=Not meaningful ( 1) The information presented for 2011 and after includes Mercer Insurance Group s results after the March 28, 2011 acquisition date.
2
[ "<tag1>", "(", "1", ")", "The", "information", "presented", "for", "2011", "and", "after", "includes", "Mercer", "Insurance", "Group", "'s", "results", "after", "the", "March", "28", ",", "2011", "acquisition", "date", ".", "<tag2>", "NM", "=", "Not", "meaningful", "(", "1", ")", "The", "information", "presented", "for", "2011", "and", "after", "includes", "Mercer", "Insurance", "Group", "s", "results", "after", "the", "March", "28", ",", "2011", "acquisition", "date", ".", "<tag3>" ]
[ "(", "1", ")", "The", "information", "presented", "for", "2011", "and", "after", "includes", "Mercer", "Insurance", "Group", "'s", "results", "after", "the", "March", "28", ",", "2011", "acquisition", "date", "." ]
[ "NM", "=", "Not", "meaningful", "(", "1", ")", "The", "information", "presented", "for", "2011", "and", "after", "includes", "Mercer", "Insurance", "Group", "s", "results", "after", "the", "March", "28", ",", "2011", "acquisition", "date", "." ]
[]
[ "NM", "meaningful" ]
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101199_14_item7_p219_s3
101199_13_item7_p215_s0
what is deemed most appropriate for a particular line of business and year.
The specific projection methods used to establish point estimates vary depending on what is deemed most appropriate for a particular line of business and year.
2
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[ "what", "is", "deemed", "most", "appropriate", "for", "a", "particular", "line", "of", "business", "and", "year", "." ]
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[]
[ "specific", "projection", "methods", "used", "establish", "point", "estimates", "vary", "depending" ]
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101199_14_item7_p227_s1
101199_13_item7_p223_s0
periodically to ensure that the assumptions continue to be valid.
Accordingly, management reviews and updates these assumptions periodically to ensure that the assumptions continue to be valid.
2
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[ "periodically", "to", "ensure", "that", "the", "assumptions", "continue", "to", "be", "valid", "." ]
[ "Accordingly", ",", "management", "reviews", "and", "updates", "these", "assumptions", "periodically", "to", "ensure", "that", "the", "assumptions", "continue", "to", "be", "valid", "." ]
[]
[ "Accordingly", "management", "reviews", "updates" ]
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101199_14_item7_p232_s2
101199_13_item7_p228_s1
Other Liability Reserves Other liability is considered a long-tail line of business, as it can take a relatively long period of time to settle claims from prior accident years.
Certain of our lines of business are subject to the potential for greater loss and loss settlement expense development than others, which are discussed below: Other Liability Reserves Other liability is considered a long-tail line of business, as it can take a relatively long period of time to settle claims from prior accident years.
2
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[ "Other", "Liability", "Reserves", "Other", "liability", "is", "considered", "a", "long", "-", "tail", "line", "of", "business", ",", "as", "it", "can", "take", "a", "relatively", "long", "period", "of", "time", "to", "settle", "claims", "from", "prior", "accident", "years", "." ]
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[]
[ "Certain", "lines", "subject", "potential", "greater", "loss", "loss", "settlement", "expense", "development", "others", "discussed" ]
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101199_14_item7_p21_s1
101199_13_item7_p22_s0
When prepared in accordance with GAAP, the net loss ratio is calculated by dividing the sum of losses and loss settlement expenses by net premiums earned.
(2) The net loss ratio is calculated by dividing the sum of losses and loss settlement expenses by net premiums earned.
2
[ "<tag1>", "When", "prepared", "in", "accordance", "with", "GAAP", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ".", "<tag2>", "(", "2", ")", "The", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ".", "<tag3>" ]
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[ "(", "2", ")", "The", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", "." ]
[]
[ "2" ]
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101199_14_item7_p22_s2
101199_13_item7_p22_s1
The expense ratio is calculated by dividing nondeferred underwriting expenses and amortization of deferred policy acquisition costs by net premiums earned.
(3) The GAAP expense ratio is calculated by dividing nondeferred underwriting expenses and amortization of deferred policy acquisition costs by net premiums earned.
2
[ "<tag1>", "The", "expense", "ratio", "is", "calculated", "by", "dividing", "nondeferred", "underwriting", "expenses", "and", "amortization", "of", "deferred", "policy", "acquisition", "costs", "by", "net", "premiums", "earned", ".", "<tag2>", "(", "3", ")", "The", "GAAP", "expense", "ratio", "is", "calculated", "by", "dividing", "nondeferred", "underwriting", "expenses", "and", "amortization", "of", "deferred", "policy", "acquisition", "costs", "by", "net", "premiums", "earned", ".", "<tag3>" ]
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[ "(", "3", ")", "The", "GAAP", "expense", "ratio", "is", "calculated", "by", "dividing", "nondeferred", "underwriting", "expenses", "and", "amortization", "of", "deferred", "policy", "acquisition", "costs", "by", "net", "premiums", "earned", "." ]
[]
[ "3", "GAAP" ]
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101199_14_item7_p60_s0
101199_13_item7_p232_s0
Construction defect is a liability allegation relating to defective work performed in the construction of structures such as commercial buildings, apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.
Construction defect claims generally relate to allegedly defective work performed in the construction of structures such as apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.
2
[ "<tag1>", "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", ".", "<tag2>", "Construction", "defect", "claims", "generally", "relate", "to", "allegedly", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", ".", "<tag3>" ]
[ "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]
[ "Construction", "defect", "claims", "generally", "relate", "to", "allegedly", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]
[]
[ "claims", "generally", "relate", "allegedly" ]
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101199_14_item7_p227_s9
101199_13_item7_p238_s3
While we realize that this philosophy, coupled with what we believe to be aggressive and successful claims management and loss settlement practices, has resulted in year-to-year redundancies in reserves, our approach is better than experiencing year-to-year uncertainty as to the adequacy of our reserves.
We believe our reserving philosophy, coupled with what we believe to be aggressive and successful claims management and loss settlement practices, has resulted in year-to-year redundancies in reserves.
2
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[]
[ "reserving" ]
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101199_14_item7_p12_s2
101199_13_item7_p23_s0
Catastrophe losses is a commonly used non-GAAP financial measure, which utilize the designations of the Insurance Services Office (ISO) and are reported with loss and loss settlement expense amounts net of reinsurance recoverables, unless specified otherwise.
The following provides further explanation of the key measures management uses to evaluate our results: Catastrophe losses is a commonly used non-GAAP financial measure, which utilizes the designations of the Insurance Services Office (ISO) and are reported with loss and loss settlement expense amounts net of reinsurance recoverables, unless specified otherwise.
2
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[]
[ "following", "provides", "explanation", "key", "measures", "management", "uses", "evaluate", "results", "utilizes" ]
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101199_14_item7_p246_s2
101199_13_item7_p242_s2
During 2012 and 2011 , we engaged the services of Regnier as our independent actuarial firm for the property and casualty insurance segment.
( Regnier ) as our independent actuarial firm for the property and casualty insurance segment.
2
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[ "(", "Regnier", ")", "as", "our", "independent", "actuarial", "firm", "for", "the", "property", "and", "casualty", "insurance", "segment", "." ]
[]
[]
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101199_14_item7_p12_s4
101199_13_item7_p24_s0
include U.S. or international losses, that we believe are, or will be, material to our operations, either in amount or in number of claims made.
In addition to ISO catastrophes, we also include as catastrophes those events ( non-ISO catastrophes ), which may include U.S. or international losses, that we believe are, or will be, material to our operations, either in amount or in number of claims made.
2
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[]
[ "addition", "ISO", "catastrophes", "also", "catastrophes", "events", "non", "ISO", "catastrophes", "may" ]
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101199_14_item7_p267_s0
101199_13_item7_p264_s0
A 100 basis point decrease in our estimated long-term rate of return on pension plan assets would increase the benefit expense for the year ended December 31, 2012 , by $0.7 million , while a 100 basis point increase in the rate would decrease benefit expense by $0.7 million , for the same period.
For the postretirement benefit plan, an increase in our estimated medical trend rate would increase the benefit expense for the year ended December 31, 2013 , by $1.3 million , while a 100 basis point decrease in the rate would decrease benefit expense by $1.0 million , for the same period.
2
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[]
[ "postretirement", "medical", "trend", "1.3", "1.0" ]
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101199_14_item7_p266_s8
101199_13_item7_p264_s1
For the postretirement benefit plan, an increase in our estimated medical trend rate would increase the benefit expense for the year ended December 31, 2012 , by $1.1 million , while a 100 basis point decrease in the rate would decrease benefit expense by $0.9 million , for the same period.
A 100 basis point decrease in our estimated long-term rate of return on pension plan assets would increase the benefit expense for the year ended December 31, 2013 , by $0.9 million , while a 100 basis point increase in the rate would decrease benefit expense by $0.9 million , for the same period.
2
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[]
[ "long", "term", "return", "pension", "assets" ]
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101199_14_item7_p29_s0
101199_13_item7_p27_s0
NM = not meaningful (1) The information presented for 2011 and after includes Mercer Insurance Group's results after the March 28, 2011 acquisition date.
(1) The information presented for 2011 and after includes Mercer Insurance Group s results after the March 28, 2011 acquisition date.
2
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101199_14_item7_p29_s0
101199_13_item7_p32_s0
NM = not meaningful (1) The information presented for 2011 and after includes Mercer Insurance Group's results after the March 28, 2011 acquisition date.
(1) The information presented for 2011 and after includes Mercer Insurance Group s results after the March 28, 2011 acquisition date.
2
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[]
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101199_14_item7_p26_s0
101199_13_item7_p33_s1
The increase in income before income taxes during 2012 as compared to 2011 is primarily a result of a 17.9 percent increase in net premiums earned, a decrease in catastrophe losses, and a decrease in the amortization of deferred policy acquisition costs, partially offset by an increase in underwriting expenses, and an increase in loss and loss settlement expenses all discussed in more detail throughout this section.
increase in net premiums earned, a decrease in catastrophe losses, and a decrease in amortization of deferred policy acquisition costs, partially offset by an increase in underwriting expenses, and an increase in loss and loss settlement expenses.
2
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101199_14_item7_p15_s0
101199_13_item7_p36_s0
(1) The information presented for 2011 and after includes Mercer Insurance Group's results after the March 28, 2011 acquisition date.
NM = not meaningful (1) The information presented for 2011 and after includes Mercer Insurance Group s results after the March 28, 2011 acquisition date.
2
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[]
[ "NM", "meaningful" ]
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101199_14_item7_p21_s0
101199_13_item7_p36_s0
(1) The information presented for 2011 and after includes Mercer Insurance Group's results after the March 28, 2011 acquisition date.
NM = not meaningful (1) The information presented for 2011 and after includes Mercer Insurance Group s results after the March 28, 2011 acquisition date.
2
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[]
[ "NM", "meaningful" ]
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101199_14_item7_p52_s0
101199_13_item7_p36_s0
(1) The information presented for 2011 and after includes Mercer Insurance Group's results after the March 28, 2011 acquisition date.
NM=Not meaningful ( 1) The information presented for 2011 and after includes Mercer Insurance Group s results after the March 28, 2011 acquisition date.
2
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[]
[ "NM", "meaningful" ]
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101199_14_item7_p36_s1
101199_13_item7_p46_s0
surplus of at least $250.0 million and an A.M. Best rating or an S P rating of at least A-.
All reinsurers we do business with must meet the following minimum criteria: capital and surplus of at least $250.0 million and an A.M. Best rating or an S P rating of at least A-.
2
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[]
[ "reinsurers", "business", "must", "meet", "following", "minimum", "criteria", "capital" ]
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101199_14_item7_p41_s4
101199_13_item7_p50_s3
We experienced favorable development in all lines of business with the exception of assumed reinsurance which adversely developed as a result of additional reported losses of $4.6 million on 2011 catastrophe activity, and direct commercial multi-peril, which experienced a slight deficiency.
We experienced favorable reserve development in all lines of business with the exception of assumed reinsurance which adversely developed as a result of additional reported losses of $4.6 million on 2011 catastrophe activity, and direct commercial multi-peril, which experienced a slight deficiency.
2
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[]
[ "reserve" ]
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101199_14_item7_p42_s2
101199_13_item7_p50_s3
We experienced favorable development in all lines of business with the exception of assumed reinsurance which adversely developed as a result of additional reported losses of $4.6 million on 2011 catastrophe activity, and direct commercial multi-peril, which experienced a slight deficiency.
We experienced favorable reserve development in all lines of business with the exception of assumed reinsurance which adversely developed as a result of additional reported losses of $4.6 million on 2010 catastrophe activity, and direct commercial multi-peril, which experienced a slight deficiency.
2
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[]
[ "reserve" ]
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101199_14_item7_p42_s1
101199_13_item7_p51_s0
our favorable development of reserves established for claims that occurred in prior years of $61.1 million, which included $6.5 million in adverse development from Hurricane Katrina as a result of our continuing resolution of outstanding claims litigation.
However, our non-catastrophe results improved, which is reflected in our favorable development of reserves established for claims that occurred in prior years of $61.1 million, which included $6.5 million in adverse development from Hurricane Katrina as a result of our continuing resolution of outstanding claims litigation.
2
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[]
[ "However", "non", "catastrophe", "results", "improved", "reflected" ]
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101199_14_item7_p41_s4
101199_13_item7_p51_s1
We experienced favorable development in all lines of business with the exception of assumed reinsurance which adversely developed as a result of additional reported losses of $4.6 million on 2010 catastrophe activity, and direct commercial multi-peril, which experienced a slight deficiency.
We experienced favorable reserve development in all lines of business with the exception of assumed reinsurance which adversely developed as a result of additional reported losses of $4.6 million on 2011 catastrophe activity, and direct commercial multi-peril, which experienced a slight deficiency.
2
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[]
[ "reserve" ]
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101199_14_item7_p42_s2
101199_13_item7_p51_s1
We experienced favorable development in all lines of business with the exception of assumed reinsurance which adversely developed as a result of additional reported losses of $4.6 million on 2010 catastrophe activity, and direct commercial multi-peril, which experienced a slight deficiency.
We experienced favorable reserve development in all lines of business with the exception of assumed reinsurance which adversely developed as a result of additional reported losses of $4.6 million on 2010 catastrophe activity, and direct commercial multi-peril, which experienced a slight deficiency.
2
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[]
[ "reserve" ]
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101199_14_item7_p15_s0
101199_13_item7_p58_s0
( 1) The information presented for 2011 and after includes Mercer Insurance Group's results after the March 28, 2011 acquisition date.
NM = not meaningful (1) The information presented for 2011 and after includes Mercer Insurance Group s results after the March 28, 2011 acquisition date.
2
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[]
[ "NM", "meaningful" ]
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101199_14_item7_p21_s0
101199_13_item7_p58_s0
( 1) The information presented for 2011 and after includes Mercer Insurance Group's results after the March 28, 2011 acquisition date.
NM = not meaningful (1) The information presented for 2011 and after includes Mercer Insurance Group s results after the March 28, 2011 acquisition date.
2
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[]
[ "NM", "meaningful" ]
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101199_14_item7_p52_s0
101199_13_item7_p58_s0
( 1) The information presented for 2011 and after includes Mercer Insurance Group's results after the March 28, 2011 acquisition date.
NM=Not meaningful ( 1) The information presented for 2011 and after includes Mercer Insurance Group s results after the March 28, 2011 acquisition date.
2
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[ "(", "1", ")", "The", "information", "presented", "for", "2011", "and", "after", "includes", "Mercer", "Insurance", "Group", "'s", "results", "after", "the", "March", "28", ",", "2011", "acquisition", "date", "." ]
[ "NM", "=", "Not", "meaningful", "(", "1", ")", "The", "information", "presented", "for", "2011", "and", "after", "includes", "Mercer", "Insurance", "Group", "s", "results", "after", "the", "March", "28", ",", "2011", "acquisition", "date", "." ]
[]
[ "NM", "meaningful" ]
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101199_14_item7_p43_s0
101199_13_item7_p64_s0
Because of the long-tail nature of liability claims, significant periods of time, ranging up to several years, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement of the claim.
For many liability claims, significant periods of time, ranging up to several years and for certain construction defect claims more than a decade, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement or other disposition of the claim.
2
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[]
[ "many", "certain", "construction", "defect", "decade", "disposition" ]
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101199_14_item7_p62_s2
101199_13_item7_p68_s2
In an effort to limit the number of future claims from multi-unit buildings, we have implemented policy exclusions in recent years that limit subcontractor coverage on any building project with more than 12 units or on single family homes in any subdivision where the contractor is working on more than 15 homes.
In an effort to limit the number of future claims from multi-unit buildings, we implemented policy exclusions in 2009, later revised in 2010, that exclude liability coverage for contractors performing residential structural operations on any building project with more than 12 units or on single family homes in any subdivision where the contractor is working on more than 15 homes.
2
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[ "In", "an", "effort", "to", "limit", "the", "number", "of", "future", "claims", "from", "multi", "-", "unit", "buildings", ",", "we", "implemented", "policy", "exclusions", "in", "2009", ",", "later", "revised", "in", "2010", ",", "that", "exclude", "liability", "coverage", "for", "contractors", "performing", "residential", "structural", "operations", "on", "any", "building", "project", "with", "more", "than", "12", "units", "or", "on", "single", "family", "homes", "in", "any", "subdivision", "where", "the", "contractor", "is", "working", "on", "more", "than", "15", "homes", "." ]
[]
[ "later", "revised", "exclude", "liability", "contractors", "performing", "residential", "structural", "operations" ]
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101199_14_item7_p72_s0
101199_13_item7_p75_s0
When surety losses occur, our loss is determined by estimating the cost to complete the remaining work and to pay the contractor s unpaid bills, offset by contract funds due to the contractor, reinsurance, and the value of any collateral to which we may have access.
estimating the cost to complete the remaining work and to pay the contractor s unpaid bills, offset by contract funds due to the contractor, reinsurance, and the value of any collateral to which we may have access.
2
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[]
[]
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101199_14_item7_p3_s0
101199_13_item7_p83_s1
Our principal life insurance products are deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.
life insurance, which includes deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.
2
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[]
[ "includes" ]
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101199_14_item7_p85_s1
101199_13_item7_p8_s0
life insurance, which includes deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.
Our principal life insurance products are deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.
2
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[]
[ "principal" ]
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101199_14_item7_p98_s1
101199_13_item7_p94_s3
We comply with state insurance laws that prescribe the quality, concentration and type of investments that may be made by insurance companies.
The portfolio is structured so as to be in compliance with state insurance laws that prescribe the quality, concentration and type of investments that may be made by insurance companies.
2
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[]
[ "portfolio", "structured", "compliance" ]
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101199_14_item7_p97_s0
101199_13_item7_p94_s8
With respect to our portfolio of fixed maturity securities, our general investment philosophy is to purchase financial instruments with the expectation that we will hold them to their maturity.
Our general investment philosophy is to purchase financial instruments with the expectation that we will hold them to their maturity.
2
[ "<tag1>", "With", "respect", "to", "our", "portfolio", "of", "fixed", "maturity", "securities", ",", "our", "general", "investment", "philosophy", "is", "to", "purchase", "financial", "instruments", "with", "the", "expectation", "that", "we", "will", "hold", "them", "to", "their", "maturity", ".", "<tag2>", "Our", "general", "investment", "philosophy", "is", "to", "purchase", "financial", "instruments", "with", "the", "expectation", "that", "we", "will", "hold", "them", "to", "their", "maturity", ".", "<tag3>" ]
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[ "Our", "general", "investment", "philosophy", "is", "to", "purchase", "financial", "instruments", "with", "the", "expectation", "that", "we", "will", "hold", "them", "to", "their", "maturity", "." ]
[]
[]
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101199_15_item7_p183_s1
101199_14_item7_p118_s2
Our accounting policy for impairment recognition requires other-than-temporary impairment charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.
Our accounting policy for impairment recognition requires OTTI charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.
2
[ "<tag1>", "Our", "accounting", "policy", "for", "impairment", "recognition", "requires", "other", "-", "than", "-", "temporary", "impairment", "charges", "to", "be", "recorded", "when", "we", "determine", "that", "it", "is", "more", "likely", "than", "not", "that", "we", "will", "be", "unable", "to", "collect", "all", "amounts", "due", "according", "to", "the", "contractual", "terms", "of", "the", "fixed", "maturity", "security", "or", "that", "the", "anticipated", "recovery", "in", "fair", "value", "of", "the", "equity", "security", "will", "not", "occur", "in", "a", "reasonable", "amount", "of", "time", ".", "<tag2>", "Our", "accounting", "policy", "for", "impairment", "recognition", "requires", "OTTI", "charges", "to", "be", "recorded", "when", "we", "determine", "that", "it", "is", "more", "likely", "than", "not", "that", "we", "will", "be", "unable", "to", "collect", "all", "amounts", "due", "according", "to", "the", "contractual", "terms", "of", "the", "fixed", "maturity", "security", "or", "that", "the", "anticipated", "recovery", "in", "fair", "value", "of", "the", "equity", "security", "will", "not", "occur", "in", "a", "reasonable", "amount", "of", "time", ".", "<tag3>" ]
[ "Our", "accounting", "policy", "for", "impairment", "recognition", "requires", "other", "-", "than", "-", "temporary", "impairment", "charges", "to", "be", "recorded", "when", "we", "determine", "that", "it", "is", "more", "likely", "than", "not", "that", "we", "will", "be", "unable", "to", "collect", "all", "amounts", "due", "according", "to", "the", "contractual", "terms", "of", "the", "fixed", "maturity", "security", "or", "that", "the", "anticipated", "recovery", "in", "fair", "value", "of", "the", "equity", "security", "will", "not", "occur", "in", "a", "reasonable", "amount", "of", "time", "." ]
[ "Our", "accounting", "policy", "for", "impairment", "recognition", "requires", "OTTI", "charges", "to", "be", "recorded", "when", "we", "determine", "that", "it", "is", "more", "likely", "than", "not", "that", "we", "will", "be", "unable", "to", "collect", "all", "amounts", "due", "according", "to", "the", "contractual", "terms", "of", "the", "fixed", "maturity", "security", "or", "that", "the", "anticipated", "recovery", "in", "fair", "value", "of", "the", "equity", "security", "will", "not", "occur", "in", "a", "reasonable", "amount", "of", "time", "." ]
[]
[ "OTTI" ]
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101199_15_item7_p117_s1
101199_14_item7_p122_s0
NM=not meaningful Net Investment Income In 2013, our investment income, net of investment expenses, increased $0.9 million to $112.8 million as compared to 2012, primarily due to an increase in value of investments that are accounted for under the equity method of accounting somewhat offset by the impact of low investment yields.
In 2013, our investment income, net of investment expenses, increased $0.9 million to $112.8 million as compared to 2012, primarily due to an increase in value of investments that are accounted for under the equity method of accounting partially offset by the impact of low investment yields.
2
[ "<tag1>", "NM", "=", "not", "meaningful", "Net", "Investment", "Income", "In", "2013", ",", "our", "investment", "income", ",", "net", "of", "investment", "expenses", ",", "increased", "$", "0.9", "million", "to", "$", "112.8", "million", "as", "compared", "to", "2012", ",", "primarily", "due", "to", "an", "increase", "in", "value", "of", "investments", "that", "are", "accounted", "for", "under", "the", "equity", "method", "of", "accounting", "somewhat", "offset", "by", "the", "impact", "of", "low", "investment", "yields", ".", "<tag2>", "In", "2013", ",", "our", "investment", "income", ",", "net", "of", "investment", "expenses", ",", "increased", "$", "0.9", "million", "to", "$", "112.8", "million", "as", "compared", "to", "2012", ",", "primarily", "due", "to", "an", "increase", "in", "value", "of", "investments", "that", "are", "accounted", "for", "under", "the", "equity", "method", "of", "accounting", "partially", "offset", "by", "the", "impact", "of", "low", "investment", "yields", ".", "<tag3>" ]
[ "NM", "=", "not", "meaningful", "Net", "Investment", "Income", "In", "2013", ",", "our", "investment", "income", ",", "net", "of", "investment", "expenses", ",", "increased", "$", "0.9", "million", "to", "$", "112.8", "million", "as", "compared", "to", "2012", ",", "primarily", "due", "to", "an", "increase", "in", "value", "of", "investments", "that", "are", "accounted", "for", "under", "the", "equity", "method", "of", "accounting", "somewhat", "offset", "by", "the", "impact", "of", "low", "investment", "yields", "." ]
[ "In", "2013", ",", "our", "investment", "income", ",", "net", "of", "investment", "expenses", ",", "increased", "$", "0.9", "million", "to", "$", "112.8", "million", "as", "compared", "to", "2012", ",", "primarily", "due", "to", "an", "increase", "in", "value", "of", "investments", "that", "are", "accounted", "for", "under", "the", "equity", "method", "of", "accounting", "partially", "offset", "by", "the", "impact", "of", "low", "investment", "yields", "." ]
[]
[ "partially" ]
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101199_15_item7_p170_s3
101199_14_item7_p123_s0
(1) Represents the change in value of our interests in limited liability partnerships that are recorded on the equity method of accounting.
Other long-term investments consist primarily of our interests in limited liability partnerships that are recorded on the equity method of accounting.
2
[ "<tag1>", "(", "1", ")", "Represents", "the", "change", "in", "value", "of", "our", "interests", "in", "limited", "liability", "partnerships", "that", "are", "recorded", "on", "the", "equity", "method", "of", "accounting", ".", "<tag2>", "Other", "long", "-", "term", "investments", "consist", "primarily", "of", "our", "interests", "in", "limited", "liability", "partnerships", "that", "are", "recorded", "on", "the", "equity", "method", "of", "accounting", ".", "<tag3>" ]
[ "(", "1", ")", "Represents", "the", "change", "in", "value", "of", "our", "interests", "in", "limited", "liability", "partnerships", "that", "are", "recorded", "on", "the", "equity", "method", "of", "accounting", "." ]
[ "Other", "long", "-", "term", "investments", "consist", "primarily", "of", "our", "interests", "in", "limited", "liability", "partnerships", "that", "are", "recorded", "on", "the", "equity", "method", "of", "accounting", "." ]
[]
[ "long", "term", "investments", "consist", "primarily" ]
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101199_15_item7_p15_s2
101199_14_item7_p15_s3
This increase represents organic growth and is the result of a combination of rate increases across most commercial and personal lines and new business writings.
The increase in property and casualty premium revenue represents organic growth and is the result of a combination of rate increases across most commercial and personal lines and, to a lesser extent, new business writings.
2
[ "<tag1>", "This", "increase", "represents", "organic", "growth", "and", "is", "the", "result", "of", "a", "combination", "of", "rate", "increases", "across", "most", "commercial", "and", "personal", "lines", "and", "new", "business", "writings", ".", "<tag2>", "The", "increase", "in", "property", "and", "casualty", "premium", "revenue", "represents", "organic", "growth", "and", "is", "the", "result", "of", "a", "combination", "of", "rate", "increases", "across", "most", "commercial", "and", "personal", "lines", "and", ",", "to", "a", "lesser", "extent", ",", "new", "business", "writings", ".", "<tag3>" ]
[ "This", "increase", "represents", "organic", "growth", "and", "is", "the", "result", "of", "a", "combination", "of", "rate", "increases", "across", "most", "commercial", "and", "personal", "lines", "and", "new", "business", "writings", "." ]
[ "The", "increase", "in", "property", "and", "casualty", "premium", "revenue", "represents", "organic", "growth", "and", "is", "the", "result", "of", "a", "combination", "of", "rate", "increases", "across", "most", "commercial", "and", "personal", "lines", "and", ",", "to", "a", "lesser", "extent", ",", "new", "business", "writings", "." ]
[]
[ "property", "casualty", "premium", "revenue", "lesser", "extent" ]
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101199_15_item7_p25_s6
101199_14_item7_p15_s3
This increase represents organic growth and is the result of a combination of rate increases across most commercial and personal lines and new business writings.
Direct premiums written increased $72.2 million in 2013 as compared to 2012 due to organic growth and is the result of a combination of rate increases across most commercial and personal lines and new business writings.
2
[ "<tag1>", "This", "increase", "represents", "organic", "growth", "and", "is", "the", "result", "of", "a", "combination", "of", "rate", "increases", "across", "most", "commercial", "and", "personal", "lines", "and", "new", "business", "writings", ".", "<tag2>", "Direct", "premiums", "written", "increased", "$", "72.2", "million", "in", "2013", "as", "compared", "to", "2012", "due", "to", "organic", "growth", "and", "is", "the", "result", "of", "a", "combination", "of", "rate", "increases", "across", "most", "commercial", "and", "personal", "lines", "and", "new", "business", "writings", ".", "<tag3>" ]
[ "This", "increase", "represents", "organic", "growth", "and", "is", "the", "result", "of", "a", "combination", "of", "rate", "increases", "across", "most", "commercial", "and", "personal", "lines", "and", "new", "business", "writings", "." ]
[ "Direct", "premiums", "written", "increased", "$", "72.2", "million", "in", "2013", "as", "compared", "to", "2012", "due", "to", "organic", "growth", "and", "is", "the", "result", "of", "a", "combination", "of", "rate", "increases", "across", "most", "commercial", "and", "personal", "lines", "and", "new", "business", "writings", "." ]
[]
[ "Direct", "premiums", "written", "increased", "72.2", "million", "2013", "compared", "2012", "due" ]
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101199_15_item7_p156_s0
101199_14_item7_p161_s0
The interest rate is based on our monthly choice of either a base rate or the London Interbank Offered Rate ( LIBOR ) plus, in each case, a calculated margin amount.
on our monthly choice of either a base rate or the London Interbank Offered Rate ("LIBOR") plus, in each case, a calculated margin amount.
2
[ "<tag1>", "The", "interest", "rate", "is", "based", "on", "our", "monthly", "choice", "of", "either", "a", "base", "rate", "or", "the", "London", "Interbank", "Offered", "Rate", "(", "LIBOR", ")", "plus", ",", "in", "each", "case", ",", "a", "calculated", "margin", "amount", ".", "<tag2>", "on", "our", "monthly", "choice", "of", "either", "a", "base", "rate", "or", "the", "London", "Interbank", "Offered", "Rate", "(", "\"", "LIBOR", "\"", ")", "plus", ",", "in", "each", "case", ",", "a", "calculated", "margin", "amount", ".", "<tag3>" ]
[ "The", "interest", "rate", "is", "based", "on", "our", "monthly", "choice", "of", "either", "a", "base", "rate", "or", "the", "London", "Interbank", "Offered", "Rate", "(", "LIBOR", ")", "plus", ",", "in", "each", "case", ",", "a", "calculated", "margin", "amount", "." ]
[ "on", "our", "monthly", "choice", "of", "either", "a", "base", "rate", "or", "the", "London", "Interbank", "Offered", "Rate", "(", "\"", "LIBOR", "\"", ")", "plus", ",", "in", "each", "case", ",", "a", "calculated", "margin", "amount", "." ]
[]
[]
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101199_15_item7_p162_s0
101199_14_item7_p168_s0
Policies must remain in force for the policyholder or beneficiary to receive the benefit under the policy.
beneficiary to receive the benefit under the policy.
2
[ "<tag1>", "Policies", "must", "remain", "in", "force", "for", "the", "policyholder", "or", "beneficiary", "to", "receive", "the", "benefit", "under", "the", "policy", ".", "<tag2>", "beneficiary", "to", "receive", "the", "benefit", "under", "the", "policy", ".", "<tag3>" ]
[ "Policies", "must", "remain", "in", "force", "for", "the", "policyholder", "or", "beneficiary", "to", "receive", "the", "benefit", "under", "the", "policy", "." ]
[ "beneficiary", "to", "receive", "the", "benefit", "under", "the", "policy", "." ]
[]
[]
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101199_15_item7_p165_s1
101199_14_item7_p172_s0
assumptions made at the time of the actuarial valuations and maintaining certain funding levels relative to regulatory requirements.
Contributions for future years are dependent on a number of factors, including actual performance versus assumptions made at the time of the actuarial valuations and maintaining certain funding levels relative to regulatory requirements.
2
[ "<tag1>", "assumptions", "made", "at", "the", "time", "of", "the", "actuarial", "valuations", "and", "maintaining", "certain", "funding", "levels", "relative", "to", "regulatory", "requirements", ".", "<tag2>", "Contributions", "for", "future", "years", "are", "dependent", "on", "a", "number", "of", "factors", ",", "including", "actual", "performance", "versus", "assumptions", "made", "at", "the", "time", "of", "the", "actuarial", "valuations", "and", "maintaining", "certain", "funding", "levels", "relative", "to", "regulatory", "requirements", ".", "<tag3>" ]
[ "assumptions", "made", "at", "the", "time", "of", "the", "actuarial", "valuations", "and", "maintaining", "certain", "funding", "levels", "relative", "to", "regulatory", "requirements", "." ]
[ "Contributions", "for", "future", "years", "are", "dependent", "on", "a", "number", "of", "factors", ",", "including", "actual", "performance", "versus", "assumptions", "made", "at", "the", "time", "of", "the", "actuarial", "valuations", "and", "maintaining", "certain", "funding", "levels", "relative", "to", "regulatory", "requirements", "." ]
[]
[ "Contributions", "future", "years", "dependent", "number", "factors", "including", "actual", "performance", "versus" ]
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101199_15_item7_p166_s0
101199_14_item7_p173_s0
Off-Balance Sheet Arrangements Pursuant to an agreement with one of our limited liability partnership investments, we are contractually committed through December 31, 2017 to make capital contributions upon request of the partnership.
Funding Commitments Pursuant to an agreement with one of our limited liability partnership investments, we are contractually committed through December 31, 2023 to make capital contributions upon request of the partnership.
2
[ "<tag1>", "Off", "-", "Balance", "Sheet", "Arrangements", "Pursuant", "to", "an", "agreement", "with", "one", "of", "our", "limited", "liability", "partnership", "investments", ",", "we", "are", "contractually", "committed", "through", "December", "31", ",", "2017", "to", "make", "capital", "contributions", "upon", "request", "of", "the", "partnership", ".", "<tag2>", "Funding", "Commitments", "Pursuant", "to", "an", "agreement", "with", "one", "of", "our", "limited", "liability", "partnership", "investments", ",", "we", "are", "contractually", "committed", "through", "December", "31", ",", "2023", "to", "make", "capital", "contributions", "upon", "request", "of", "the", "partnership", ".", "<tag3>" ]
[ "Off", "-", "Balance", "Sheet", "Arrangements", "Pursuant", "to", "an", "agreement", "with", "one", "of", "our", "limited", "liability", "partnership", "investments", ",", "we", "are", "contractually", "committed", "through", "December", "31", ",", "2017", "to", "make", "capital", "contributions", "upon", "request", "of", "the", "partnership", "." ]
[ "Funding", "Commitments", "Pursuant", "to", "an", "agreement", "with", "one", "of", "our", "limited", "liability", "partnership", "investments", ",", "we", "are", "contractually", "committed", "through", "December", "31", ",", "2023", "to", "make", "capital", "contributions", "upon", "request", "of", "the", "partnership", "." ]
[]
[ "Funding", "Commitments" ]
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101199_15_item7_p118_s0
101199_14_item7_p177_s3
Other long-term investments consist primarily of our interests in limited liability partnerships that are recorded on the equity method of accounting.
(1) Represents the change in value of our interests in limited liability partnerships that are recorded on the equity method of accounting.
2
[ "<tag1>", "Other", "long", "-", "term", "investments", "consist", "primarily", "of", "our", "interests", "in", "limited", "liability", "partnerships", "that", "are", "recorded", "on", "the", "equity", "method", "of", "accounting", ".", "<tag2>", "(", "1", ")", "Represents", "the", "change", "in", "value", "of", "our", "interests", "in", "limited", "liability", "partnerships", "that", "are", "recorded", "on", "the", "equity", "method", "of", "accounting", ".", "<tag3>" ]
[ "Other", "long", "-", "term", "investments", "consist", "primarily", "of", "our", "interests", "in", "limited", "liability", "partnerships", "that", "are", "recorded", "on", "the", "equity", "method", "of", "accounting", "." ]
[ "(", "1", ")", "Represents", "the", "change", "in", "value", "of", "our", "interests", "in", "limited", "liability", "partnerships", "that", "are", "recorded", "on", "the", "equity", "method", "of", "accounting", "." ]
[]
[ "1", "Represents", "change", "value" ]
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101199_15_item7_p173_s3
101199_14_item7_p181_s0
is based on the lowest priority level input that is significant to the fair value measurement of the financial instrument.
If the inputs used to measure fair value fall within different levels of the hierarchy, the category level is based on the lowest priority level input that is significant to the fair value measurement of the financial instrument.
2
[ "<tag1>", "is", "based", "on", "the", "lowest", "priority", "level", "input", "that", "is", "significant", "to", "the", "fair", "value", "measurement", "of", "the", "financial", "instrument", ".", "<tag2>", "If", "the", "inputs", "used", "to", "measure", "fair", "value", "fall", "within", "different", "levels", "of", "the", "hierarchy", ",", "the", "category", "level", "is", "based", "on", "the", "lowest", "priority", "level", "input", "that", "is", "significant", "to", "the", "fair", "value", "measurement", "of", "the", "financial", "instrument", ".", "<tag3>" ]
[ "is", "based", "on", "the", "lowest", "priority", "level", "input", "that", "is", "significant", "to", "the", "fair", "value", "measurement", "of", "the", "financial", "instrument", "." ]
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[]
[ "inputs", "used", "measure", "fall", "within", "different", "levels", "hierarchy", "category" ]
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101199_15_item7_p113_s2
101199_14_item7_p194_s0
Other-Than-Temporary Impairment Charges We continually monitor the difference between our cost basis and the estimated fair value of our investments.
We regularly monitor the difference between our cost basis and the estimated fair value of our investments.
2
[ "<tag1>", "Other", "-", "Than", "-", "Temporary", "Impairment", "Charges", "We", "continually", "monitor", "the", "difference", "between", "our", "cost", "basis", "and", "the", "estimated", "fair", "value", "of", "our", "investments", ".", "<tag2>", "We", "regularly", "monitor", "the", "difference", "between", "our", "cost", "basis", "and", "the", "estimated", "fair", "value", "of", "our", "investments", ".", "<tag3>" ]
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[ "We", "regularly", "monitor", "the", "difference", "between", "our", "cost", "basis", "and", "the", "estimated", "fair", "value", "of", "our", "investments", "." ]
[]
[ "regularly" ]
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101199_15_item7_p183_s0
101199_14_item7_p194_s0
Other-Than-Temporary Impairment Charges We continually monitor the difference between our cost basis and the estimated fair value of our investments.
We continually monitor the difference between our cost basis and the estimated fair value of our investments.
2
[ "<tag1>", "Other", "-", "Than", "-", "Temporary", "Impairment", "Charges", "We", "continually", "monitor", "the", "difference", "between", "our", "cost", "basis", "and", "the", "estimated", "fair", "value", "of", "our", "investments", ".", "<tag2>", "We", "continually", "monitor", "the", "difference", "between", "our", "cost", "basis", "and", "the", "estimated", "fair", "value", "of", "our", "investments", ".", "<tag3>" ]
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[ "We", "continually", "monitor", "the", "difference", "between", "our", "cost", "basis", "and", "the", "estimated", "fair", "value", "of", "our", "investments", "." ]
[]
[]
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101199_15_item7_p113_s3
101199_14_item7_p194_s1
Our accounting policy for impairment recognition requires OTTI charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.
Our accounting policy for impairment recognition requires other-than-temporary impairment charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.
2
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[]
[ "temporary" ]
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101199_15_item7_p195_s0
101199_14_item7_p206_s2
Of these factors, we anticipate that assumptions for investment returns, expenses and persistency are reasonably likely to have a significant impact on the rate of DAC amortization each year.
reasonably likely to have a significant impact on the rate of DAC amortization each year.
2
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[ "reasonably", "likely", "to", "have", "a", "significant", "impact", "on", "the", "rate", "of", "DAC", "amortization", "each", "year", "." ]
[]
[]
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101199_15_item7_p195_s5
101199_14_item7_p207_s0
estimate expected gross profits would have on the DAC asset for our non-traditional business recorded as of December 31, 2013 .
The table below illustrates the impact that a reasonably likely change in our assumptions used to estimate expected gross profits would have on the DAC asset for our non-traditional business recorded as of December 31, 2014 .
2
[ "<tag1>", "estimate", "expected", "gross", "profits", "would", "have", "on", "the", "DAC", "asset", "for", "our", "non", "-", "traditional", "business", "recorded", "as", "of", "December", "31", ",", "2013", ".", "<tag2>", "The", "table", "below", "illustrates", "the", "impact", "that", "a", "reasonably", "likely", "change", "in", "our", "assumptions", "used", "to", "estimate", "expected", "gross", "profits", "would", "have", "on", "the", "DAC", "asset", "for", "our", "non", "-", "traditional", "business", "recorded", "as", "of", "December", "31", ",", "2014", ".", "<tag3>" ]
[ "estimate", "expected", "gross", "profits", "would", "have", "on", "the", "DAC", "asset", "for", "our", "non", "-", "traditional", "business", "recorded", "as", "of", "December", "31", ",", "2013", "." ]
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[]
[ "table", "illustrates", "impact", "reasonably", "likely", "change", "assumptions", "used" ]
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101199_15_item7_p20_s0
101199_14_item7_p21_s1
(2) The net loss ratio is calculated by dividing the sum of losses and loss settlement expenses by net premiums earned.
NM = not meaningful (1) The net loss ratio is calculated by dividing the sum of losses and loss settlement expenses by net premiums earned.
2
[ "<tag1>", "(", "2", ")", "The", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ".", "<tag2>", "NM", "=", "not", "meaningful", "(", "1", ")", "The", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ".", "<tag3>" ]
[ "(", "2", ")", "The", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", "." ]
[ "NM", "=", "not", "meaningful", "(", "1", ")", "The", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", "." ]
[]
[ "NM", "meaningful" ]
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101199_15_item7_p220_s0
101199_14_item7_p232_s0
In 2013 , we did not change the key assumptions on which we based our reserving calculations.
In 2014 , we did not change the key method though which we develop our assumptions on which we based our reserving calculations.
2
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[]
[ "method", "though", "develop" ]
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101199_15_item7_p230_s0
101199_14_item7_p240_s1
Estimates for workers compensation are particularly sensitive to assumptions about medical cost inflation, which has been steadily increasing over the past few years.
particularly sensitive to assumptions about medical cost inflation, which has been steadily increasing over the past few years.
2
[ "<tag1>", "Estimates", "for", "workers", "compensation", "are", "particularly", "sensitive", "to", "assumptions", "about", "medical", "cost", "inflation", ",", "which", "has", "been", "steadily", "increasing", "over", "the", "past", "few", "years", ".", "<tag2>", "particularly", "sensitive", "to", "assumptions", "about", "medical", "cost", "inflation", ",", "which", "has", "been", "steadily", "increasing", "over", "the", "past", "few", "years", ".", "<tag3>" ]
[ "Estimates", "for", "workers", "compensation", "are", "particularly", "sensitive", "to", "assumptions", "about", "medical", "cost", "inflation", ",", "which", "has", "been", "steadily", "increasing", "over", "the", "past", "few", "years", "." ]
[ "particularly", "sensitive", "to", "assumptions", "about", "medical", "cost", "inflation", ",", "which", "has", "been", "steadily", "increasing", "over", "the", "past", "few", "years", "." ]
[]
[]
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101199_15_item7_p232_s1
101199_14_item7_p243_s0
conservative case reserves; using claims negotiation to control the size of settlements; assuming that we have liability for all claims, even though the issue of liability may, in some cases, be resolved in our favor; promoting claims management services to encourage return-to-work programs, case management by nurses for serious injuries and management of medical provider services and billings; and using programs and services to help prevent fraud and to assist in favorably resolving cases.
The factors contributing to our year-to-year redundancy include: establishing reserves at their ultimate expected loss amount as soon as practicable after information becomes available, which produces, on average, prudently conservative case reserves; using claims negotiation to control the size of settlements; assuming that we have liability for all claims, even though the issue of liability may, in some cases, be resolved in our favor; promoting claims management services to encourage return-to-work programs; case management by nurses for serious injuries and management of medical provider services and billings; and using programs and services to help prevent fraud and to assist in favorably resolving cases.
2
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[]
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101199_15_item7_p251_s3
101199_14_item7_p262_s0
Assumption Determination Methodology Potential One-Time Effect on DAC Asset, Net of Unearned Revenue Liabilities Mortality Experience Based on our mortality experience with consideration given to industry experience and trends A 10.0% increase in expected mortality experience for all future years would result in a reduction in DAC and an increase in current period amortization expense of $2.7 million.
Surrender Rates Based on our policy surrender experience with consideration given to industry experience and trends A 10.0% increase in expected surrender rates for all future years would result in a reduction in DAC and an increase in current period amortization expense of $1.8 million.
2
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[ "Surrender", "Rates", "Based", "on", "our", "policy", "surrender", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "surrender", "rates", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "1.8", "million", "." ]
[]
[ "Surrender", "Rates", "policy", "surrender", "surrender", "rates", "1.8" ]
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101199_15_item7_p256_s5
101199_14_item7_p267_s0
For the postretirement benefit plan, an increase in our estimated medical trend rate would increase the benefit expense for the year ended December 31, 2013 , by $1.3 million , while a 100 basis point decrease in the rate would decrease benefit expense by $1.0 million , for the same period.
A 100 basis point decrease in our estimated long-term rate of return on pension plan assets would increase the benefit expense for the year ended December 31, 2014 , by $1.0 million , while a 100 basis point increase in the rate would decrease benefit expense by $1.0 million , for the same period.
2
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[]
[ "long", "term", "return", "pension", "assets" ]
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101199_15_item7_p257_s0
101199_14_item7_p269_s0
Pending Adoption of Accounting Standards In July 2013, the FASB issued guidance on the financial statement presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists.
Unrecognized tax benefit In July 2013, the FASB issued guidance on the financial statement presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists.
2
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[]
[ "Unrecognized" ]
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101199_15_item7_p259_s4
101199_14_item7_p270_s1
Therefore, the adoption of the new guidance in not expected to have an impact on the Company s financial position or results of operations.
Management currently does not expect the adoption of the new guidance to have an impact on the Company's financial position or results of operations.
2
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[]
[ "Management", "currently", "expect", "'s" ]
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101199_15_item7_p260_s4
101199_14_item7_p270_s1
Therefore, the adoption of the new guidance in not expected to have an impact on the Company s financial position or results of operations.
Management currently does not expect the adoption of the new guidance to have an impact on the Company's financial position or results of operations.
2
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[ "Management", "currently", "does", "not", "expect", "the", "adoption", "of", "the", "new", "guidance", "to", "have", "an", "impact", "on", "the", "Company", "'s", "financial", "position", "or", "results", "of", "operations", "." ]
[]
[ "Management", "currently", "expect", "'s" ]
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101199_15_item7_p264_s4
101199_14_item7_p270_s1
Therefore, the adoption of the new guidance in not expected to have an impact on the Company s financial position or results of operations.
Management currently does not expect the adoption of the new guidance to have an impact on the Company's financial position or results of operations.
2
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[ "Management", "currently", "does", "not", "expect", "the", "adoption", "of", "the", "new", "guidance", "to", "have", "an", "impact", "on", "the", "Company", "'s", "financial", "position", "or", "results", "of", "operations", "." ]
[]
[ "Management", "currently", "expect", "'s" ]
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101199_15_item7_p15_s5
101199_14_item7_p30_s5
Direct Premiums Written Direct premiums written increased $72.2 million in 2013 as compared to 2012 primarily due to organic growth and is the result of a combination of rate increases across most commercial and personal lines and new business writings.
This increase represents organic growth and is the result of a combination of rate increases across most commercial and personal lines and new business writings.
2
[ "<tag1>", "Direct", "Premiums", "Written", "Direct", "premiums", "written", "increased", "$", "72.2", "million", "in", "2013", "as", "compared", "to", "2012", "primarily", "due", "to", "organic", "growth", "and", "is", "the", "result", "of", "a", "combination", "of", "rate", "increases", "across", "most", "commercial", "and", "personal", "lines", "and", "new", "business", "writings", ".", "<tag2>", "This", "increase", "represents", "organic", "growth", "and", "is", "the", "result", "of", "a", "combination", "of", "rate", "increases", "across", "most", "commercial", "and", "personal", "lines", "and", "new", "business", "writings", ".", "<tag3>" ]
[ "Direct", "Premiums", "Written", "Direct", "premiums", "written", "increased", "$", "72.2", "million", "in", "2013", "as", "compared", "to", "2012", "primarily", "due", "to", "organic", "growth", "and", "is", "the", "result", "of", "a", "combination", "of", "rate", "increases", "across", "most", "commercial", "and", "personal", "lines", "and", "new", "business", "writings", "." ]
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[]
[ "increase", "represents" ]
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101199_15_item7_p28_s7
101199_14_item7_p33_s8
Based on our analysis, and the indications of other catastrophe models, we have begun to implement more targeted underwriting and rate initiatives in some regions.
Based on our analysis, we have implemented more targeted underwriting and rate initiatives in some regions.
2
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[ "Based", "on", "our", "analysis", ",", "and", "the", "indications", "of", "other", "catastrophe", "models", ",", "we", "have", "begun", "to", "implement", "more", "targeted", "underwriting", "and", "rate", "initiatives", "in", "some", "regions", "." ]
[ "Based", "on", "our", "analysis", ",", "we", "have", "implemented", "more", "targeted", "underwriting", "and", "rate", "initiatives", "in", "some", "regions", "." ]
[]
[ "implemented" ]
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101199_15_item7_p31_s1
101199_14_item7_p35_s9
In 2013 and 2012 , we did not exceed our catastrophe retention of $20.0 million.
In 2014 , 2013 and 2012 , we did not exceed our catastrophe reinsurance retention level of $20.0 million.
2
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[ "In", "2013", "and", "2012", ",", "we", "did", "not", "exceed", "our", "catastrophe", "retention", "of", "$", "20.0", "million", "." ]
[ "In", "2014", ",", "2013", "and", "2012", ",", "we", "did", "not", "exceed", "our", "catastrophe", "reinsurance", "retention", "level", "of", "$", "20.0", "million", "." ]
[]
[ "reinsurance", "level" ]
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101199_15_item7_p33_s0
101199_14_item7_p39_s0
Terrorism Coverage The Terrorism Risk Insurance Program Reauthorization Act of 2007 ( TRIPRA ) was signed into law on December 27, 2007.
Terrorism Coverage The Terrorism Risk Insurance Program Reauthorization Act of 2007 was signed into law on December 27, 2007.
2
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[]
[]
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101199_15_item7_p77_s1
101199_14_item7_p3_s0
life insurance, which includes deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.
Our principal life insurance products are deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.
2
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[ "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]
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[]
[ "principal" ]
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101199_15_item7_p206_s0
101199_14_item7_p43_s0
For many liability claims, significant periods of time, ranging up to several years and for certain construction defect claims more than a decade, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement or other disposition of the claim.
For many long-tail liability claims, significant periods of time, ranging up to several years, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement of the claim.
2
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[]
[ "long", "tail" ]
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101199_15_item7_p45_s0
101199_14_item7_p50_s1
The favorable reserve development is generally caused by changes in loss development patterns due to many of the factors cited above.
The favorable development is generally caused by changes in loss development patterns due to many of the factors cited above.
2
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[]
[]
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