Company: NODK
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0001174947-25-001142
Chunk: 166

Company: NI Holdings, Inc.
Filing Date: 2025-08-08
Form: 10-Q
Item: Part I, Item 8
Chunk 166
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    Underwriting gain (loss): 

    Private Passenger Auto 
    $1,832  
    $(4,294) 
    $3,617  
    $(506)
  
    Non-Standard Auto 
     (8,798) 
     (2,831) 
     (13,363) 
     (5,016)
  
    Home and Farm 
     (14,162) 
     (7,348) 
     (8,063) 
     (4,811)
  
    Crop 
     626  
     1,955  
     727  
     1,964 
  
    All Other 
     2,126  
     810  
     2,518  
     879 
  
    Total underwriting loss 
    $(18,376) 
    $(11,708) 
    $(14,564) 
    $(7,490)

    Three Months Ended June 30,  
    Six Months Ended June 30, 

    2025  
    2024  
    2025  
    2024 
  
    Combined ratio: 

    Private Passenger Auto 
     92.0%  
     119.1%  
     92.1%  
     101.1% 
  
    Non-Standard Auto 
     160.6%  
     110.6%  
     140.7%  
     109.7% 
  
    Home and Farm 
     166.4%  
     133.6%  
     117.9%  
     111.1% 
  
    Crop 
     94.2%  
     82.2%  
     93.0%  
     79.1% 
  
    All Other 
     40.2%  
     73.5%  
     63.0%  
     85.3% 
  
    Combined ratio 
     125.1%  
     113.7%  
     110.3%  
     104.8% 

Underwriting gain (loss) measures the pre-tax profitability of our
insurance operations. It is derived by subtracting losses and loss adjustment expenses, amortization of deferred policy acquisition costs,
and