Claims paid by product line
Table view
| Product line | Claims paid | Avg days to pay |
|---|---|---|
| Home | 18,420 | 9 |
| Auto | 24,150 | 6 |
| Travel | 3,120 | 4 |
| Commercial property | 4,280 | 14 |
| General liability | 1,820 | 18 |
| Commercial fleet | 6,740 | 7 |
| Group health | 39,800 | 5 |
Built to pay claims, in good years and bad.
Real strength comes from reserves, reinsurance, and the discipline to underwrite carefully. Here is what that looks like in numbers.
Key figures
248% Reserve ratio · 2025
98k Claims paid · 2025
9 Average days to pay
1972 Underwriting since
Indicators · 2025
Claims we paid.
Figures for 2025, shown by product line and reserve ratio. Illustrative figures, not actual claims paid by any insurer.
Reserve ratio over time
Table view
| Year | Reserve ratio (%) |
|---|---|
| 2019 | 218% |
| 2020 | 224% |
| 2021 | 231% |
| 2022 | 227% |
| 2023 | 235% |
| 2024 | 242% |
| 2025 | 248% |
What makes up a premium
Stacked bar showing how each factor contributes to a premium
- Cover amount: 38%
- Risk profile: 24%
- Deductible credit: 18%
- Location: 12%
- Claims history: 8%
Table view
| Factor | Weight |
|---|---|
| Cover amount | 38% |
| Risk profile | 24% |
| Deductible credit | 18% |
| Location | 12% |
| Claims history | 8% |
Ratings
Ratings and regulators.
How we are supervised and how our financial strength is assessed.
Reports
Reports.
Annual reports, solvency filings, and sustainability reports.