Table 10-11 TOC
Property and Casualty Insurance Companies—Premiums Earned and Losses Incurred, in Idaho, 1988-1992
  Premiums
Written
(1,000s)		 Premiums
Earned
(1,000s)		 Losses
Incurred
(1,000s)		 Loss
Ratio
(%)		 Premiums
Written
(1,000s)		 Premiums
Earned
(1,000s)		 Losses
Incurred
(1,000s)		 Loss
Ratio
(%)		 Premiums
Written
(1,000s)		 Premiums
Earned
(1,000s)		 Losses
Incurred
(1,000s)		 Loss
Ratio
(%)		 Premiums
Written
(1,000s)		 Premiums
Earned
(1,000s)		 Losses
Incurred
(1,000s)		 Loss
Ratio
(%)		 Premiums
Written
(1,000s)		 Premiums
Earned
(1,000s)		 Losses
Incurred
(1,000s)		 Loss
Ratio
(%)
  1988 1989 1990 1991 1992
 
Fire 12,620 13,847 3,014 21.77 11,535 11,862 24,220 204.18 9,376 9,537 -9,157 -96.01 11,396 11,270 4,889 43.38 12,047 11,997 6,120 51.02
Allied lines 16,987 17,920 12,432 69.38 17,737 17,821 12,196 68.44 18,958 19,021 15,260 80.23 12,647 12,337 5,818 47.16 12,658 12,550 8,648 68.91
Multiple peril                                        
  Farmowners 15,243 14,905 9,059 60.78 15,637 15,275 9,220 60.36 16,738 16,297 13,638 83.69 17,079 17,076 12,240 71.68 18,084 17,546 10,766 61.36
  Homeowners 49,299 48,075 36,768 76.48 50,039 49,488 28,305 57.2 44,135 43,558 30,453 69.91 56,042 53,865 42,060 78.08 63,065 59,179 40,180 67.9
  Commercial 58,227 58,208 24,667 42.38 62,987 61,005 22,475 36.84 62,395 61,544 32,730 53.18 66,014 66,132 30,569 46.22 66,380 67,124 28,124 41.87
                                         
Ocean marine 779 643 44 6.84 969 977 368 37.67 1,306 1,249 197 15.81 642 697 388 55.63 958 829 303 36.5
Inland marine 14,282 14,334 6,127 42.74 14,338 14,390 5,296 36.8 14,355 13,895 6,633 47.73 15,960 16,647 5,849 35.13 17,324 17,206 7,005 40.71
Financial guaranty 704 328 -40 -12.2 484 743 -295 -39.7 75 275 187 68.13 1,084 404 582 144.28 885 779 -39 -4.97
Medical malpractice 14,290 13,369 4,282 32.08 14,726 14,510 4,686 32.29 15,443 15,031 4,046 26.92 14,184 14,488 260 1.79 14,636 14,520 6,999 48.2
Earthquake 164 165 -27 -16.36 232 195 10 5.13 265 220 15 6.6 332 297 1 0.48 390 386 4 1
                                         
Accident and health                                        
  Group 6,471 6,582 8,136 123.61 5,562 5,649 5,577 98.73 4,710 4,688 4,100 87.47 3,466 3,511 4,025 114.63 3,521 3,589 2,510 69.93
  Credit 22 62 -4 -6.45 83 88 43 48.86 145 132 68 51.39 168 166 105 63.05 571 577 347 60.16
  Collectively renewable 36 36 30 83.33 30 31 28 90.32 8 11 -1 -8.06 33 32 13 40.52 30 30 3 9.42
  Noncancellable 92 55 12 21.82 61 39 14 35.9 62 42 13 30.2 13 13 4 26.54 28 22 -2 -10.53
                                         
  Guaranteed renewable 523 580 401 69.14 502 504 257 50.99 840 616 363 58.97 1,030 990 892 90.1 1,014 961 792 82.35
  Nonrenewable for                                        
  stated reason only 158 164 76 46.34 167 163 126 77.3 166 168 85 50.71 197 193 134 69.17 214 206 122 58.92
  Other accident only 57 58 46 79.31 46 48 6 12.5         50 55 18 33.38 30 32 11 34.15
  All other 1,288 1,251 1,054 84.25 1,728 1,588 657 41.37 62 63 32 50.65 2,463 2,321 1,810 77.97 2,393 2,344 2,113 90.14
                                         
Workers' comp 75,391 74,455 58,169 78.13 127,134 125,780 100,104 79.59 139,049 135,582 101,609 74.94 177,800 175,758 123,511 70.27 208,045 199,948 153,451 76.75
Other liability 56,326 53,072 20,886 39.35 53,669 53,955 36,928 68.44 41,237 41,613 18,772 45.11 52,297 51,756 22,974 44.39 60,260 59,638 28,054 47.04
                                         
Auto                                        
  No-fault                                        
    Private passenger 5,500 5,470 4,109 75.12 629 621 546 87.92 702 681 654 96.02 785 779 763 97.89 1,030 943 786 83.29
    Commercial 51 56 -3 -5.36 217 280 686 245 33 33 102 308.27 145 257 102 39.63 36 81 -35 -42.6
  Other liability                                        
    Private passenger 108,056 105,162 75,344 71.65 119,074 117,459 85,450 72.75 111,291 109,762 78,051 71.11 153,442 149,727 114,430 76.43 178,354 171,310 120,154 70.14
    Commercial 35,304 34,999 12,500 35.72 36,322 36,192 19,265 53.23 37,371 37,481 24,914 66.47 47,684 44,383 31,760 71.56 46,908 47,488 22,142 46.63
                                         
  Physical damage                                        
    Private passenger 84,958 82,842 45,736 55.21 90,325 88,025 45,187 51.33 84,543 82,565 44,350 53.72 113,064 110,704 56,079 50.66 120,524 118,050 58,358 49.43
    Commercial 20,402 21,522 8,123 37.74 18,070 19,500 5,490 28.15 19,047 19,131 8,030 41.97 24,681 22,992 9,904 43.08 25,876 25,384 10,603 41.77
Aircraft (all perils) 4,897 4,974 3,800 76.4 4,039 4,203 1,770 42.11 3,757 3,773 855 22.66 4,184 3,983 1,622 40.73 4,135 4,078 1,582 38.8
Fidelity 2,520 2,052 236 11.5 2,351 2,577 1,004 38.96 2,108 2,321 522 22.5 2,515 2,461 810 32.93 2,083 2,295 1,534 66.87
                                         
Surety 5,699 5,581 302 5.41 6,882 6,415 4,599 71.69 7,492 7,468 2,793 37.4 8,744 8,364 844 10.09 9,416 9,072 -2,188 -24.12
Glass 43 45 10 22.22 40 37 6 16.22 24 29 3 12.02 46 39 14 35.27 75 65 23 35.01
Burglary, theft 187 171 12 7.02 143 148 87 58.78 146 150 40 26.35 347 330 19 5.82 235 288 -5 -1.9
Boiler, machinery 2,319 2,290 558 24.37 2,636 2,272 216 9.51 2,603 2,609 273 10.46 2,602 2,622 1,638 62.47 2,636 2,677 3,979 148.65
Credit 1,476 1,309 1,833 140.03 1,700 1,474 2,120 143.83 1,507 1,533 914 59.64 1,499 1,333 345 25.9 979 937 229 24.48
Miscellaneous 2,758 2,532 2,684 106 3,755 3,058 13,398 438.13 6,812 3,975 4,310 108.42 - - - - - - - -
                                         
Total 597,129 587,114 340,376 57.97 663,849 656,372 430,045 65.52 646,762 635,053 384,856 52.56 - - - - - - - -
Source: Idaho Department of Insurance, [number] Annual Report, 1988-1992.
Notes: Data for 1988-1990 are reported by fiscal year; data for 1991 on are reported on a calendar year basis.
  Data taken from NAIC Idaho Business Reports and are not considered exact. Before calendar year 1991, the Department of Commerce did not maintain this type of statistical data.

Originally compiled by: MaryAnn R. Boehmke
Data input assisted by: Robert Anton-Erik
Contact: Lily Wai