AMERICAN PREMIER INSURANCE GROUP
SCHEDULE P - ANALYSIS OF LOSSES AND LOSS EXPENSES
NOTES TO SCHEDULE P
1.  THE PARTS OF SCHEDULE P:
     PART 1 - DETAILED INFORMATION ON LOSSES AND LOSS EXPENSES.
     PART 2 - HISTORY OF INCURRED LOSSES AND ALLOCATED EXPENSES.
     PART 3 - HISTORY OF LOSS AND ALLOCATED EXPENSE PAYMENTS.
     PART 4 - HISTORY OF BULK AND INCURRED-BUT-NOT-REPORTED RESERVES.
     PART 5 - HISTORY OF CLAIMS.
     PART 6 - HISTORY OF PREMIUMS EARNED.
     PART 7 - HISTORY OF LOSS SENSITIVE CONTRACTS.
     SCHEDULE P INTERROGATORIES.
2.  LINES OF BUSINESS A THROUGH M, R & S ARE GROUPINGS OF THE LINES OF BUSINESS
     USED ON THE STATE PAGE.
3.  REINSURANCE A, B, C, AND D (LINES N TO Q) ARE:
     REINSURANCE A = NONPROPORTIONAL PROPERTY (1988 AND SUBSEQUENT)
     REINSURANCE B = NONPROPORTIONAL LIABILITY (1988 AND SUBSEQUENT)
     REINSURANCE C = FINANCIAL LINES (1988 AND SUBSEQUENT)
     REINSURANCE D = OLD SCHEDULE O LINE 30 (1987 AND PRIOR)

SCHEDULE P - PART 1              - SUMMARY
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX       3,080       2,021         460
02 1986      393,189      64,369     328,820     232,598      36,973      20,236
03 1987      475,384      32,712     442,672     265,116       9,167      23,113
04 1988      571,139      26,339     544,800     328,932       8,019      27,677
05 1989      652,660       8,277     644,383     390,484       8,098      29,907
06 1990      778,802       8,696     770,106     491,814      24,016      36,565
07 1991      984,295       9,184     975,111     570,736       1,320      42,880
08 1992    1,128,469      10,174   1,118,295     583,001       3,774      39,395
09 1993    1,331,001      10,573   1,320,428     660,780       1,633      34,899
10 1994    1,546,551       8,331   1,538,220     764,633       1,953      30,184
11 1995    1,482,078       9,487   1,472,590     575,279       2,394      15,704
12 TOTAL         XXX         XXX         XXX   4,866,451      99,368     301,022

SCHEDULE P - PART 1              - SUMMARY
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR         354          38         196       1,361         XXX      14,236
02 1986        2,850       5,077      16,008     229,018         XXX       1,970
03 1987          686       5,893      22,091     300,467         XXX       3,650
04 1988        1,244       8,810      27,674     375,020         XXX       4,667
05 1989        1,473      13,290      33,245     444,065         XXX      15,478
06 1990          521      17,485      40,088     543,932         XXX      14,559
07 1991          243      19,895      55,506     667,558         XXX      22,999
08 1992           17      21,308      58,024     676,630         XXX      36,877
09 1993           77      26,867      63,964     757,931         XXX      74,048
10 1994            5      27,690      72,859     865,720         XXX     172,875
11 1995           16      14,426      66,881     655,453         XXX     384,165
12 TOTAL       7,486     160,780     456,534   5,517,155         XXX     745,524

SCHEDULE P - PART 1              - SUMMARY
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR       9,962      12,527       8,926         850         492       1,773
02 1986        1,809          -2           0          83           0         336
03 1987        3,571          29           0          13           0         680
04 1988        1,065          49           0          59           0         843
05 1989        7,691         213           0         208           0       1,603
06 1990        2,263         518           0         579          57       1,341
07 1991          918         919          12         565           0       1,812
08 1992           61       2,393          46       1,597           0       4,343
09 1993        1,114      34,587         328       5,180           0      22,243
10 1994        3,067      41,731          20      11,340           0      26,762
11 1995        6,089     112,943       1,659      25,002         135      30,993
12 TOTAL      37,610     205,907      10,991      45,476         684      92,726

SCHEDULE P - PART 1              - SUMMARY
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR         752           0         975      10,229         XXX         XXX
02 1986          234           4         284         628         XXX     272,191
03 1987          374           4         541         968         XXX     315,233
04 1988           12          87         710       5,251         XXX     390,611
05 1989           26         119         701      10,486         XXX     471,838
06 1990           24         447       1,312      15,964         XXX     586,778
07 1991           19         756       2,351      27,694         XXX     697,766
08 1992            2       1,601       3,027      48,124         XXX     728,655
09 1993          109       3,118      14,488     148,996         XXX     910,188
10 1994            6       7,803      23,547     273,164         XXX   1,143,935
11 1995          157      22,977      29,675     574,738         XXX   1,240,726
12 TOTAL       1,717      36,917      77,612   1,116,244         XXX         XXX

SCHEDULE P - PART 1              - SUMMARY
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1986       42,545     229,646      69.227      66.095      69.839           0
03 1987       13,798     301,435      66.311      42.180      68.094           0
04 1988       10,340     380,271      68.392      39.257      69.800           0
05 1989       17,289     454,549      72.295     208.880      70.540           0
06 1990       26,881     559,897      75.344     309.119      72.704           0
07 1991        2,513     695,253      70.890      27.363      71.300           0
08 1992        3,901     724,754      64.570      38.343      64.809           0
09 1993        3,261     906,927      68.384      30.843      68.684           0
10 1994        5,052   1,138,883      73.967      60.641      74.039           0
11 1995       10,535   1,230,191      83.715     111.047      83.539           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1              - SUMMARY
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX       7,875       2,354
02 1986            0        .000         159         469
03 1987            0        .000         108         860
04 1988            0        .000       3,651       1,600
05 1989            0        .000       8,000       2,486
06 1990            0        .000      12,814       3,150
07 1991            0        .000      22,987       4,709
08 1992            0        .000      39,161       8,963
09 1993            0        .000     107,195      41,801
10 1994            0        .000     211,519      61,644
11 1995            0        .000     489,361      85,378
12 TOTAL           0         XXX     902,830     213,414

SCHEDULE P - PART 1A             - HOMEOWNERS/FARMOWNERS
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX           0           0           0
02 1986        1,743         284       1,459       1,335         174          48
03 1987        1,792          98       1,694       1,211           3          68
04 1988        2,325          49       2,276       1,524           0          98
05 1989        3,018          57       2,961       2,698           0         231
06 1990        3,230          89       3,141       2,918           0         277
07 1991        3,106          94       3,012       2,823           0         309
08 1992        2,451         112       2,339       5,101       2,211         260
09 1993        1,929         180       1,749       1,657           0         141
10 1994          343         114         229         578           0          32
11 1995            6           0           6          13           0           1
12 TOTAL         XXX         XXX         XXX      19,858       2,388       1,465

SCHEDULE P - PART 1A             - HOMEOWNERS/FARMOWNERS
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR           0           0           0           0         XXX           0
02 1986           17          76          79       1,271       1,253           0
03 1987            0           7          77       1,353       1,242           0
04 1988            0          32          91       1,713       1,410           0
05 1989            0          42         204       3,133       2,222          31
06 1990            0           7         192       3,387       2,543           0
07 1991            0          30         226       3,358       1,856           0
08 1992            0         100         313       3,463       1,669           0
09 1993            0           6         147       1,945       1,008           0
10 1994            0           0          41         651         189           6
11 1995            0           0           0          14           3           0
12 TOTAL          17         300       1,370      20,288         XXX          37

SCHEDULE P - PART 1A             - HOMEOWNERS/FARMOWNERS
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0          11           0           5           0          -5
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0          11           0           5           0          -5

SCHEDULE P - PART 1A             - HOMEOWNERS/FARMOWNERS
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR           0           0           0           0           0         XXX
02 1986            0           0           0           0           0       1,462
03 1987            0           0           0           0           0       1,356
04 1988            0           0           0           0           0       1,713
05 1989            0           0           1          43           0       3,176
06 1990            0           0           0           0           0       3,387
07 1991            0           0           0           0           0       3,358
08 1992            0           0           0           0           0       5,674
09 1993            0           0           0           0           1       1,945
10 1994            0           0           0           6           4         657
11 1995            0           0           0           0          23          14
12 TOTAL           0           0           1          49          28         XXX

SCHEDULE P - PART 1A             - HOMEOWNERS/FARMOWNERS
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1986          191       1,271      83.878      67.253      87.114           0
03 1987            3       1,353      75.669       3.061      79.870           0
04 1988            0       1,713      73.677        .000      75.263           0
05 1989            0       3,176     105.235        .000     107.261           0
06 1990            0       3,387     104.860        .000     107.831           0
07 1991            0       3,358     108.113        .000     111.487           0
08 1992        2,211       3,463     231.497   1,974.107     148.054           0
09 1993            0       1,945     100.829        .000     111.206           0
10 1994            0         657     191.545        .000     286.899           0
11 1995            0          14     233.333        .000     233.333           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1A             - HOMEOWNERS/FARMOWNERS
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX           0           0
02 1986            0        .000           0           0
03 1987            0        .000           0           0
04 1988            0        .000           0           0
05 1989            0        .000          42           1
06 1990            0        .000           0           0
07 1991            0        .000           0           0
08 1992            0        .000           0           0
09 1993            0        .000           0           0
10 1994            0        .000           6           0
11 1995            0        .000           0           0
12 TOTAL           0         XXX          48           1

SCHEDULE P - PART 1B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX       1,280       1,003          34
02 1986      123,900      34,573      89,327      88,522      23,139       6,484
03 1987      150,498      10,441     140,057     106,829       4,452       8,960
04 1988      201,127      12,566     188,561     142,835       5,040      11,809
05 1989      225,533       1,407     224,126     170,362       6,571      13,409
06 1990      283,731       1,923     281,808     219,786      20,567      15,701
07 1991      417,551       2,335     415,216     277,020         568      17,211
08 1992      492,753       1,974     490,779     308,309         549      17,272
09 1993      585,829       3,194     582,635     366,948       1,486      17,288
10 1994      714,296       4,104     710,192     423,230       1,902      14,479
11 1995      792,713       6,561     786,152     257,215       1,921       6,740
12 TOTAL         XXX         XXX         XXX   2,362,333      67,198     129,387

SCHEDULE P - PART 1B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR         183          16          70         198         XXX         178
02 1986        1,768         874       3,826      73,925      50,083         127
03 1987          422       1,356       5,924     116,839      54,877          26
04 1988          935       1,951       8,411     157,080      64,612         158
05 1989        1,269       2,795      11,556     187,487      77,213         530
06 1990          190       3,852      13,953     228,682     101,548       2,186
07 1991          200       5,195      24,392     317,854     134,615       2,438
08 1992            4       6,222      26,486     351,512     155,285       6,615
09 1993           11       7,640      29,343     412,083     191,687      20,724
10 1994            5       6,532      33,987     469,788     249,317      71,089
11 1995           11       2,736      30,157     292,181     237,192     220,490
12 TOTAL       4,999      39,167     188,104   2,607,629         XXX     324,560

SCHEDULE P - PART 1B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR           0           0           0          55           0           0
02 1986            0          -1           0          83           0          -9
03 1987            0          -1           0          13           0           0
04 1988            0          -5           0          59           0          -5
05 1989            0          62           0         208           0           1
06 1990          400         214           0         503          57         105
07 1991            4         421           3         558           0         235
08 1992           61       1,148          13       1,578           0         612
09 1993          161       3,070          17       5,123           0         629
10 1994          534      18,255          20      11,106           0       4,485
11 1995        2,277      89,477         631      22,628         113      14,089
12 TOTAL       3,437     112,640         684      41,914         170      20,140

SCHEDULE P - PART 1B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR           0           0          16         249          28         XXX
02 1986            0           0           8         208           4      99,487
03 1987            0           0           1          39           6     121,752
04 1988            0           4          12         219          19     163,274
05 1989            0           6          51         852          49     196,179
06 1990            0          27         173       2,726         115     252,621
07 1991            0          58         193       3,838         318     322,467
08 1992            0         336         487      10,365         948     362,504
09 1993            0         727       1,248      30,615       3,411     444,372
10 1994            0       2,263       4,193     108,574      14,191     580,823
11 1995           37       6,197      18,910     362,535      55,212     659,775
12 TOTAL          37       9,618      25,292     520,217      74,301         XXX

SCHEDULE P - PART 1B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1986       25,354      74,133      80.296      73.335      82.991           0
03 1987        4,874     116,878      80.899      46.681      83.450           0
04 1988        5,975     157,299      81.180      47.549      83.421           0
05 1989        7,840     188,339      86.985     557.214      84.033           0
06 1990       21,214     231,407      89.035   1,103.172      82.115           0
07 1991          775     321,692      77.228      33.191      77.476           0
08 1992          627     361,877      73.567      31.763      73.735           0
09 1993        1,676     442,696      75.854      52.473      75.982           0
10 1994        2,462     578,361      81.314      59.990      81.437           0
11 1995        5,060     654,715      83.230      77.122      83.281           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX         178          71
02 1986            0        .000         126          82
03 1987            0        .000          25          14
04 1988            0        .000         153          66
05 1989            0        .000         592         260
06 1990            0        .000       2,000         725
07 1991            0        .000       2,852         986
08 1992            0        .000       7,689       2,675
09 1993            0        .000      23,616       6,998
10 1994            0        .000      88,790      19,785
11 1995            0        .000     307,059      55,476
12 TOTAL           0         XXX     433,080      87,138

SCHEDULE P - PART 1C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX           0           0           1
02 1986        3,632       1,438       2,194       2,693       1,718         477
03 1987        7,747       1,525       6,222       4,274       1,615         458
04 1988        9,378       2,007       7,371       4,970         994         921
05 1989       10,888       2,070       8,818       5,842         900         803
06 1990       11,958       1,703      10,255       9,553       3,020       1,175
07 1991       12,263       2,354       9,909       6,501         351         796
08 1992       13,094       3,206       9,888       4,589         104         743
09 1993       13,654       1,984      11,670       5,523         146         496
10 1994       10,085        -332      10,417       3,455           0         192
11 1995       10,978        -546      11,524       1,988           0          60
12 TOTAL         XXX         XXX         XXX      49,386       8,848       6,122

SCHEDULE P - PART 1C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR           1           0           0           0         XXX           0
02 1986          335         700         161       1,277         387           1
03 1987          146           1         314       3,285         903           0
04 1988          203          56         329       5,023       1,206           0
05 1989           92          43         434       6,086       1,436           0
06 1990          380          67         675       8,003       1,674          16
07 1991           42          97         565       7,467       1,775         362
08 1992           13          67         511       5,728       1,890         664
09 1993           65          56         614       6,422       2,104       2,538
10 1994            0          38         604       4,249       2,076       2,263
11 1995            0          31         441       2,490       1,926       4,353
12 TOTAL       1,276       1,158       4,645      50,031         XXX      10,195

SCHEDULE P - PART 1C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990          243           0           0           0           0           1
07 1991          147          15           9           0           0          48
08 1992            0          73          33           2           0          94
09 1993          952         558         311           1           0         416
10 1994            0         633           0          52           0         337
11 1995            0       1,554           0         152           0         609
12 TOTAL       1,342       2,831         353         207           0       1,505

SCHEDULE P - PART 1C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR           0           0           0           0           0         XXX
02 1986            0           0           0           1           0       3,346
03 1987            0           0           0           0           0       5,046
04 1988            0           0           0           0           0       6,220
05 1989            0           0           0           0           7       7,078
06 1990           21           0           1        -247           6      11,420
07 1991           13           0          28         283          41       8,313
08 1992            2           0          55         852          79       6,732
09 1993          109          11         239       2,379         231      10,382
10 1994            0          40         218       3,503         462       7,752
11 1995            0          65         423       7,091         515       9,580
12 TOTAL         147         117         964      13,861       1,341         XXX

SCHEDULE P - PART 1C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1986        2,068       1,278      92.126     143.811      58.250           0
03 1987        1,761       3,285      65.135     115.475      52.797           0
04 1988        1,197       5,023      66.325      59.641      68.145           0
05 1989          993       6,085      65.007      47.971      69.007           0
06 1990        3,664       7,756      95.501     215.150      75.631           0
07 1991          563       7,750      67.789      23.917      78.212           0
08 1992          153       6,579      51.413       4.772      66.535           0
09 1993        1,583       8,799      76.036      79.788      75.398           0
10 1994            0       7,752      76.867        .000      74.417           0
11 1995            0       9,580      87.265        .000      83.131           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX           0           0
02 1986            0        .000           1           0
03 1987            0        .000           0           0
04 1988            0        .000           0           0
05 1989            0        .000           0           0
06 1990            0        .000        -228         -19
07 1991            0        .000         221          62
08 1992            0        .000         704         148
09 1993            0        .000       1,832         547
10 1994            0        .000       2,896         607
11 1995            0        .000       5,906       1,184
12 TOTAL           0         XXX      11,332       2,529

SCHEDULE P - PART 1D             - WORKERS' COMPENSATION
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX       1,542         776         341
02 1986      189,815       7,735     182,080      99,441       1,046      11,456
03 1987      233,967      14,258     219,709     110,497       1,265      11,859
04 1988      257,276       6,103     251,173     116,337         100      12,154
05 1989      300,377       4,024     296,353     141,567         710      12,304
06 1990      340,583       4,099     336,484     182,280           0      15,805
07 1991      352,547       3,924     348,623     180,437           0      19,911
08 1992      398,609       4,553     394,056     149,283           0      16,468
09 1993      463,151       4,695     458,456     135,730           0      10,938
10 1994      488,014       4,295     483,719     115,434           0       7,349
11 1995      305,872       2,738     303,134      47,654           0       2,032
12 TOTAL         XXX         XXX         XXX   1,280,202       3,897     120,617

SCHEDULE P - PART 1D             - WORKERS' COMPENSATION
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR          87           0         125       1,145         XXX       5,862
02 1986          204           0      10,359     120,006      32,916       1,843
03 1987           50           0      13,172     134,213      35,233       3,625
04 1988           71           0      15,364     143,684      34,360       4,520
05 1989           44       1,899      16,368     169,485      37,802      14,926
06 1990            0       3,089      20,198     218,283      43,008      11,812
07 1991            0       2,140      21,307     221,655      40,054      20,214
08 1992            0       1,805      20,965     186,716      39,336      29,645
09 1993            0       2,731      22,205     168,873      40,201      50,944
10 1994            0         529      23,278     146,061      46,533     101,826
11 1995            0          85      15,930      65,616      35,869     141,203
12 TOTAL         456      12,278     179,271   1,575,737         XXX     386,420

SCHEDULE P - PART 1D             - WORKERS' COMPENSATION
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR       4,881           0           0           0           0       1,082
02 1986        1,809           0           0           0           0         346
03 1987        3,571          31           0           0           0         680
04 1988        1,065          61           0           0           0         848
05 1989        7,691         147           0           0           0       1,602
06 1990        1,620         312           0           0           0       1,234
07 1991          767         478           0           0           0       1,523
08 1992            0       1,133           0           0           0       3,612
09 1993            0      30,779           0           0           0      21,149
10 1994        2,533      23,433           0           0           0      21,953
11 1995        3,706       8,147       1,000           0           0      14,874
12 TOTAL      27,643      64,521       1,000           0           0      68,903

SCHEDULE P - PART 1D             - WORKERS' COMPENSATION
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR         303           0         809       2,569         122         XXX
02 1986          234           4         276         422         109     123,721
03 1987          374           4         540         931         175     140,404
04 1988           12          71         698       5,050         209     149,982
05 1989           26          89         650       9,608         330     187,564
06 1990            3         354       1,097      12,832         643     232,738
07 1991            6         607       2,125      23,567       1,176     245,995
08 1992            0         946       2,473      36,863       1,499     223,579
09 1993            0       1,759      12,967     115,839       2,449     284,712
10 1994            6       3,275      18,995     163,668       4,881     312,268
11 1995          112       3,292       8,645     168,051      10,549     238,485
12 TOTAL       1,076      10,401      49,275     539,400      22,142         XXX

SCHEDULE P - PART 1D             - WORKERS' COMPENSATION
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1986        3,293     120,428      65.180      42.573      66.140           0
03 1987        5,260     135,144      60.010      36.892      61.510           0
04 1988        1,248     148,734      58.296      20.449      59.216           0
05 1989        8,471     179,093      62.443     210.512      60.432           0
06 1990        1,623     231,115      68.335      39.595      68.685           0
07 1991          773     245,222      69.777      19.699      70.340           0
08 1992            0     223,579      56.090        .000      56.738           0
09 1993            0     284,712      61.473        .000      62.102           0
10 1994        2,539     309,729      63.988      59.115      64.031           0
11 1995        4,818     233,667      77.969     175.968      77.084           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1D             - WORKERS' COMPENSATION
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX         981       1,588
02 1986            0        .000          34         388
03 1987            0        .000          85         846
04 1988            0        .000       3,516       1,534
05 1989            0        .000       7,382       2,226
06 1990            0        .000      10,504       2,328
07 1991            0        .000      19,925       3,642
08 1992            0        .000      30,778       6,085
09 1993            0        .000      81,723      34,116
10 1994            0        .000     122,726      40,942
11 1995            0        .000     144,644      23,407
12 TOTAL           0         XXX     422,298     117,102

SCHEDULE P - PART 2              - SUMMARY
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR     108,351     118,727     118,805     123,658     123,235     124,814
02 1986      209,439     215,757     214,663     216,308     212,115     213,482
03 1987          XXX     287,534     288,567     288,732     279,112     277,577
04 1988          XXX         XXX     372,439     373,357     377,083     362,938
05 1989          XXX         XXX         XXX     442,107     454,471     438,800
06 1990          XXX         XXX         XXX         XXX     538,189     542,154
07 1991          XXX         XXX         XXX         XXX         XXX     657,497
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX
12 TOTAL

SCHEDULE P - PART 2              - SUMMARY
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR     126,649     131,507     131,504     131,613         109         106
02 1986      213,086     213,648     213,179     213,355         176        -293
03 1987      278,469     279,823     278,168     278,802         634      -1,021
04 1988      356,093     353,759     352,419     351,887        -532      -1,872
05 1989      428,759     423,512     420,414     420,605         191      -2,907
06 1990      533,389     523,847     518,099     518,496         397      -5,351
07 1991      657,466     650,932     638,726     637,398      -1,328     -13,534
08 1992      738,233     704,486     682,461     663,703     -18,758     -40,783
09 1993          XXX     869,758     832,123     828,477      -3,646     -41,281
10 1994          XXX         XXX   1,070,403   1,042,475     -27,928         XXX
11 1995          XXX         XXX         XXX   1,133,637         XXX         XXX
12 TOTAL                                                     -50,685    -106,936

SCHEDULE P - PART 3              - SUMMARY
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0      48,638      76,195      99,823     107,392     113,609
02 1986       79,264     131,083     165,831     186,501     199,246     206,243
03 1987          XXX     107,055     184,419     222,532     249,685     264,119
04 1988          XXX         XXX     145,024     235,471     287,382     321,597
05 1989          XXX         XXX         XXX     172,066     285,645     353,918
06 1990          XXX         XXX         XXX         XXX     182,650     352,766
07 1991          XXX         XXX         XXX         XXX         XXX     287,018
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3              - SUMMARY
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR     117,963     120,244     121,194     122,359         XXX         XXX
02 1986      209,426     211,363     212,553     213,011         XXX         XXX
03 1987      271,437     275,473     277,105     278,375         XXX         XXX
04 1988      334,237     341,375     345,325     347,345         XXX         XXX
05 1989      387,178     400,231     407,024     410,820         XXX         XXX
06 1990      434,417     479,932     495,817     503,843         XXX         XXX
07 1991      471,782     554,865     592,570     612,052         XXX         XXX
08 1992      313,209     505,614     584,908     618,605         XXX         XXX
09 1993          XXX     382,665     608,748     693,969         XXX         XXX
10 1994          XXX         XXX     500,560     792,858         XXX         XXX
11 1995          XXX         XXX         XXX     588,575         XXX         XXX

SCHEDULE P - PART 4              - SUMMARY
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR      14,389      14,603      10,001       6,920       4,421       4,016
02 1986       27,365      16,447      10,718       8,219       3,307       1,804
03 1987          XXX      48,449      16,991      13,552       7,848       3,149
04 1988          XXX         XXX      67,409      26,425      19,646       9,480
05 1989          XXX         XXX         XXX      86,782      38,436      19,093
06 1990          XXX         XXX         XXX         XXX     110,994      39,637
07 1991          XXX         XXX         XXX         XXX         XXX     105,004
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4              - SUMMARY
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR       3,847       4,762       4,803       4,622
02 1986          914         393         122         101
03 1987        1,946         592         224         335
04 1988        4,526       2,059       1,077         880
05 1989        9,765       4,175       1,893       1,790
06 1990       18,352       7,904       2,839       1,835
07 1991       35,021      15,642       5,330       2,695
08 1992      126,464      56,140      29,375       6,686
09 1993          XXX     155,919      80,952      56,402
10 1994          XXX         XXX     164,793      68,522
11 1995          XXX         XXX         XXX     142,121

SCHEDULE P - PART 1E             - COMMERICAL MULTIPLE PERIL
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX           0          -1          13
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL         XXX         XXX         XXX           0          -1          13

SCHEDULE P - PART 1E             - COMMERICAL MULTIPLE PERIL
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR          26           0           0         -12         XXX           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL          26           0           0         -12         XXX           0

SCHEDULE P - PART 1E             - COMMERICAL MULTIPLE PERIL
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0           0           0

SCHEDULE P - PART 1E             - COMMERICAL MULTIPLE PERIL
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR           0           0           0           0           0         XXX
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0           0         XXX

SCHEDULE P - PART 1E             - COMMERICAL MULTIPLE PERIL
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1986            0           0        .000        .000        .000           0
03 1987            0           0        .000        .000        .000           0
04 1988            0           0        .000        .000        .000           0
05 1989            0           0        .000        .000        .000           0
06 1990            0           0        .000        .000        .000           0
07 1991            0           0        .000        .000        .000           0
08 1992            0           0        .000        .000        .000           0
09 1993            0           0        .000        .000        .000           0
10 1994            0           0        .000        .000        .000           0
11 1995            0           0        .000        .000        .000           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1E             - COMMERICAL MULTIPLE PERIL
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX           0           0
02 1986            0        .000           0           0
03 1987            0        .000           0           0
04 1988            0        .000           0           0
05 1989            0        .000           0           0
06 1990            0        .000           0           0
07 1991            0        .000           0           0
08 1992            0        .000           0           0
09 1993            0        .000           0           0
10 1994            0        .000           0           0
11 1995            0        .000           0           0
12 TOTAL           0         XXX           0           0

SCHEDULE P - PART 1F - SECTION 1 - MEDICAL MALPRACTICE - OCCURRENCE
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL         XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 1F - SECTION 1 - MEDICAL MALPRACTICE - OCCURRENCE
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR           0           0           0           0         XXX           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0         XXX           0

SCHEDULE P - PART 1F - SECTION 1 - MEDICAL MALPRACTICE - OCCURRENCE
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0           0           0

SCHEDULE P - PART 1F - SECTION 1 - MEDICAL MALPRACTICE - OCCURRENCE
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR           0           0           0           0           0         XXX
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0           0         XXX

SCHEDULE P - PART 1F - SECTION 1 - MEDICAL MALPRACTICE - OCCURRENCE
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1986            0           0        .000        .000        .000           0
03 1987            0           0        .000        .000        .000           0
04 1988            0           0        .000        .000        .000           0
05 1989            0           0        .000        .000        .000           0
06 1990            0           0        .000        .000        .000           0
07 1991            0           0        .000        .000        .000           0
08 1992            0           0        .000        .000        .000           0
09 1993            0           0        .000        .000        .000           0
10 1994            0           0        .000        .000        .000           0
11 1995            0           0        .000        .000        .000           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1F - SECTION 1 - MEDICAL MALPRACTICE - OCCURRENCE
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX           0           0
02 1986            0        .000           0           0
03 1987            0        .000           0           0
04 1988            0        .000           0           0
05 1989            0        .000           0           0
06 1990            0        .000           0           0
07 1991            0        .000           0           0
08 1992            0        .000           0           0
09 1993            0        .000           0           0
10 1994            0        .000           0           0
11 1995            0        .000           0           0
12 TOTAL           0         XXX           0           0

SCHEDULE P - PART 1F - SECTION 2 - MEDICAL MALPRACTICE - CLAIMS MADE
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL         XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 1F - SECTION 2 - MEDICAL MALPRACTICE - CLAIMS MADE
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR           0           0           0           0         XXX           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0         XXX           0

SCHEDULE P - PART 1F - SECTION 2 - MEDICAL MALPRACTICE - CLAIMS MADE
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0           0           0

SCHEDULE P - PART 1F - SECTION 2 - MEDICAL MALPRACTICE - CLAIMS MADE
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR           0           0           0           0           0         XXX
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0           0         XXX

SCHEDULE P - PART 1F - SECTION 2 - MEDICAL MALPRACTICE - CLAIMS MADE
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1986            0           0        .000        .000        .000           0
03 1987            0           0        .000        .000        .000           0
04 1988            0           0        .000        .000        .000           0
05 1989            0           0        .000        .000        .000           0
06 1990            0           0        .000        .000        .000           0
07 1991            0           0        .000        .000        .000           0
08 1992            0           0        .000        .000        .000           0
09 1993            0           0        .000        .000        .000           0
10 1994            0           0        .000        .000        .000           0
11 1995            0           0        .000        .000        .000           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1F - SECTION 2 - MEDICAL MALPRACTICE - CLAIMS MADE
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX           0           0
02 1986            0        .000           0           0
03 1987            0        .000           0           0
04 1988            0        .000           0           0
05 1989            0        .000           0           0
06 1990            0        .000           0           0
07 1991            0        .000           0           0
08 1992            0        .000           0           0
09 1993            0        .000           0           0
10 1994            0        .000           0           0
11 1995            0        .000           0           0
12 TOTAL           0         XXX           0           0

SCHEDULE P - PART 1G             - SPECIAL LIABILITY
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX           0           0           0
02 1986            5           1           4           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989           94           4          90          29           0           3
06 1990          197          13         184          72           0           6
07 1991          307          20         287         112           0          14
08 1992          446          46         400         277           0          38
09 1993          550          45         505         261           0          46
10 1994          262           0         262          82           0          12
11 1995            0           0           0           0           0           0
12 TOTAL         XXX         XXX         XXX         834           0         118

SCHEDULE P - PART 1G             - SPECIAL LIABILITY
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR           0           0           0           0         XXX           0
02 1986            0           0           0           0         XXX           0
03 1987            0           0           0           0         XXX           0
04 1988            0           0           0           0         XXX           0
05 1989            0           1          21          53         XXX           0
06 1990            0           2           6          84         XXX           0
07 1991            0           1           9         135         XXX           0
08 1992            0           0          18         334         XXX           0
09 1993            0           3          26         333         XXX           0
10 1994            0           0          11         104         XXX           0
11 1995            0           0           3           3         XXX           0
12 TOTAL           0           7          93       1,045         XXX           0

SCHEDULE P - PART 1G             - SPECIAL LIABILITY
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0           0           0

SCHEDULE P - PART 1G             - SPECIAL LIABILITY
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR           0           0           0           0           0         XXX
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0          53
06 1990            0           0           0           0           0          84
07 1991            0           0           0           0           0         135
08 1992            0           0           0           0           0         334
09 1993            0           0           0           0           0         334
10 1994            0           0           0           0           0         104
11 1995            0           0           0           0           0           3
12 TOTAL           0           0           0           0           0         XXX

SCHEDULE P - PART 1G             - SPECIAL LIABILITY
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1986            0           0        .000        .000        .000           0
03 1987            0           0        .000        .000        .000           0
04 1988            0           0        .000        .000        .000           0
05 1989            0          53      56.383        .000      58.889           0
06 1990            0          84      42.640        .000      45.652           0
07 1991            0         135      43.974        .000      47.038           0
08 1992            0         334      74.888        .000      83.500           0
09 1993            0         334      60.727        .000      66.139           0
10 1994            0         104      39.695        .000      39.695           0
11 1995            0           3        .000        .000        .000           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1G             - SPECIAL LIABILITY
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX           0           0
02 1986            0        .000           0           0
03 1987            0        .000           0           0
04 1988            0        .000           0           0
05 1989            0        .000           0           0
06 1990            0        .000           0           0
07 1991            0        .000           0           0
08 1992            0        .000           0           0
09 1993            0        .000           0           0
10 1994            0        .000           0           0
11 1995            0        .000           0           0
12 TOTAL           0         XXX           0           0

SCHEDULE P - PART 1H - SECTION 1 - OTHER LIABILITY - OCCURRENCE
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX         274         250          58
02 1986        6,512       2,406       4,106       2,345         290         133
03 1987        3,688       1,474       2,214       1,632         177          93
04 1988        1,893         683       1,210       1,616         253          49
05 1989        1,026         373         653         418           3          61
06 1990          857         341         516         348           0          20
07 1991           69           1          68           0           0           0
08 1992           55          49           6           0           0           0
09 1993           34         116         -82           0           0           0
10 1994            1           0           1           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL         XXX         XXX         XXX       6,633         973         414

SCHEDULE P - PART 1H - SECTION 1 - OTHER LIABILITY - OCCURRENCE
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR          56           0           1          27         XXX       8,185
02 1986            3           0          35       2,220          46           0
03 1987            0           0          27       1,575          33           0
04 1988            0           0          43       1,455          38           0
05 1989            0           0          13         489          34           0
06 1990            0           0          10         378          42           0
07 1991            0           0           0           0          47           0
08 1992            0           0           0           0          68           0
09 1993            0           0           1           1          93           0
10 1994            0           0           0           0         124           0
11 1995            0           0           0           0         107           0
12 TOTAL          59           0         130       6,145         XXX       8,185

SCHEDULE P - PART 1H - SECTION 1 - OTHER LIABILITY - OCCURRENCE
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR       5,081      12,527       8,926         795         492         691
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           7           0           0           0           0
10 1994            0         100           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL       5,081      12,634       8,926         795         492         691

SCHEDULE P - PART 1H - SECTION 1 - OTHER LIABILITY - OCCURRENCE
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR         449           0         150       7,400         104         XXX
02 1986            0           0           0           0           0       2,513
03 1987            0           0           0           0           0       1,752
04 1988            0           0           0           0           0       1,708
05 1989            0           0           0           0           0         492
06 1990            0           0           0           0           0         378
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           7           1           8
10 1994            0           0           0         100           4         100
11 1995            0           0           0           0          23           0
12 TOTAL         449           0         150       7,507         132         XXX

SCHEDULE P - PART 1H - SECTION 1 - OTHER LIABILITY - OCCURRENCE
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1986          293       2,220      38.590      12.178      54.067           0
03 1987          177       1,575      47.505      12.008      71.138           0
04 1988          253       1,455      90.227      37.042     120.248           0
05 1989            3         489      47.953        .804      74.885           0
06 1990            0         378      44.107        .000      73.256           0
07 1991            0           0        .000        .000        .000           0
08 1992            0           0        .000        .000        .000           0
09 1993            0           8      23.529        .000      -9.756           0
10 1994            0         100  10,000.000        .000  10,000.000           0
11 1995            0           0        .000        .000        .000           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1H - SECTION 1 - OTHER LIABILITY - OCCURRENCE
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX       6,705         695
02 1986            0        .000           0           0
03 1987            0        .000           0           0
04 1988            0        .000           0           0
05 1989            0        .000           0           0
06 1990            0        .000           0           0
07 1991            0        .000           0           0
08 1992            0        .000           0           0
09 1993            0        .000           7           0
10 1994            0        .000         100           0
11 1995            0        .000           0           0
12 TOTAL           0         XXX       6,812         695

SCHEDULE P - PART 1H - SECTION 2 - OTHER LIABILITY - CLAIMS MADE
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL         XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 1H - SECTION 2 - OTHER LIABILITY - CLAIMS MADE
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR           0           0           0           0         XXX           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0         XXX           0

SCHEDULE P - PART 1H - SECTION 2 - OTHER LIABILITY - CLAIMS MADE
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0           0           0

SCHEDULE P - PART 1H - SECTION 2 - OTHER LIABILITY - CLAIMS MADE
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR           0           0           0           0           0         XXX
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0           0         XXX

SCHEDULE P - PART 1H - SECTION 2 - OTHER LIABILITY - CLAIMS MADE
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1986            0           0        .000        .000        .000           0
03 1987            0           0        .000        .000        .000           0
04 1988            0           0        .000        .000        .000           0
05 1989            0           0        .000        .000        .000           0
06 1990            0           0        .000        .000        .000           0
07 1991            0           0        .000        .000        .000           0
08 1992            0           0        .000        .000        .000           0
09 1993            0           0        .000        .000        .000           0
10 1994            0           0        .000        .000        .000           0
11 1995            0           0        .000        .000        .000           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1H - SECTION 2 - OTHER LIABILITY - CLAIMS MADE
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX           0           0
02 1986            0        .000           0           0
03 1987            0        .000           0           0
04 1988            0        .000           0           0
05 1989            0        .000           0           0
06 1990            0        .000           0           0
07 1991            0        .000           0           0
08 1992            0        .000           0           0
09 1993            0        .000           0           0
10 1994            0        .000           0           0
11 1995            0        .000           0           0
12 TOTAL           0         XXX           0           0

SCHEDULE P - PART 1I             - SPECIAL PROPERTY
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX           0           0           0
02 1994            0           0           0           0           0           0
03 1995            0           0           0           0           0           0
04 TOTAL         XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 1I             - SPECIAL PROPERTY
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR           0           0           0           0         XXX           0
02 1994            0           0           0           0         XXX           0
03 1995            0           0           0           0         XXX           0
04 TOTAL           0           0           0           0         XXX           0

SCHEDULE P - PART 1I             - SPECIAL PROPERTY
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR           0           0           0           0           0           0
02 1994            0           0           0           0           0           0
03 1995            0           0           0           0           0           0
04 TOTAL           0           0           0           0           0           0

SCHEDULE P - PART 1I             - SPECIAL PROPERTY
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR           0           0           0           0           0         XXX
02 1994            0           0           0           0           0           0
03 1995            0           0           0           0           0           0
04 TOTAL           0           0           0           0           0         XXX

SCHEDULE P - PART 1I             - SPECIAL PROPERTY
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1994            0           0        .000        .000        .000           0
03 1995            0           0        .000        .000        .000           0
04 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1I             - SPECIAL PROPERTY
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX           0           0
02 1994            0        .000           0           0
03 1995            0        .000           0           0
04 TOTAL           0         XXX           0           0

SCHEDULE P - PART 1J             - AUTO PHYSICAL DAMAGE
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX      -1,747         -42         718
02 1994      333,546         151     333,395     221,854          51       8,120
03 1995      372,508         735     371,773     268,408         473       6,871
04 TOTAL         XXX         XXX         XXX     488,515         482      15,709

SCHEDULE P - PART 1J             - AUTO PHYSICAL DAMAGE
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR          13       1,701         -15      -1,015         XXX         313
02 1994            0      20,590      14,937     244,860     237,108      -2,308
03 1995            5      11,572      20,350     295,151     261,017      18,120
04 TOTAL          18      33,864      35,271     538,995         XXX      16,125

SCHEDULE P - PART 1J             - AUTO PHYSICAL DAMAGE
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR           0         194           0         150           0          83
02 1994            0        -688           0         182           0         -13
03 1995          106      13,763          28       2,222          22       1,423
04 TOTAL         106      13,267          28       2,554          22       1,493

SCHEDULE P - PART 1J             - AUTO PHYSICAL DAMAGE
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR           0       1,136          92         832         222         XXX
02 1994            0       2,225         142      -2,685       5,319     242,227
03 1995            8      13,425       1,696      37,059      29,977     332,868
04 TOTAL           8      16,784       1,930      35,206      35,518         XXX

SCHEDULE P - PART 1J             - AUTO PHYSICAL DAMAGE
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1994           51     242,176      72.622      33.775      72.639           0
03 1995          657     332,211      89.359      89.388      89.359           0
04 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1J             - AUTO PHYSICAL DAMAGE
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX         507         325
02 1994            0        .000      -2,997         311
03 1995            0        .000      31,747       5,312
04 TOTAL           0         XXX      29,257       5,948

SCHEDULE P - PART 1K             - FIDELITY, SURETY
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX           0           0           0
02 1994            2           0           2           0           0           0
03 1995            1           0           1           0           0           0
04 TOTAL         XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 1K             - FIDELITY, SURETY
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR           0           0           0           0         XXX           0
02 1994            0           0           0           0         XXX           0
03 1995            0           0           0           0         XXX           0
04 TOTAL           0           0           0           0         XXX           0

SCHEDULE P - PART 1K             - FIDELITY, SURETY
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR           0           0           0           0           0           0
02 1994            0           0           0           0           0           0
03 1995            0           2           0           0           0           0
04 TOTAL           0           2           0           0           0           0

SCHEDULE P - PART 1K             - FIDELITY, SURETY
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR           0           0           0           0           0         XXX
02 1994            0           0           0           0           0           0
03 1995            0           0           0           2           0           2
04 TOTAL           0           0           0           2           0         XXX

SCHEDULE P - PART 1K             - FIDELITY, SURETY
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1994            0           0        .000        .000        .000           0
03 1995            0           2     200.000        .000     200.000           0
04 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1K             - FIDELITY, SURETY
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX           0           0
02 1994            0        .000           0           0
03 1995            0        .000           2           0
04 TOTAL           0         XXX           2           0

SCHEDULE P - PART 1L             - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX           0           0           0
02 1994            0           0           0           0           0           0
03 1995            0           0           0           0           0           0
04 TOTAL         XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 1L             - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR           0           0           0           0         XXX           0
02 1994            0           0           0           0         XXX           0
03 1995            0           0           0           0         XXX           0
04 TOTAL           0           0           0           0         XXX           0

SCHEDULE P - PART 1L             - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR           0           0           0           0           0           0
02 1994            0           0           0           0           0           0
03 1995            0           0           0           0           0           0
04 TOTAL           0           0           0           0           0           0

SCHEDULE P - PART 1L             - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR           0           0           0           0           0         XXX
02 1994            0           0           0           0           0           0
03 1995            0           0           0           0           0           0
04 TOTAL           0           0           0           0           0         XXX

SCHEDULE P - PART 1L             - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1994            0           0        .000        .000        .000           0
03 1995            0           0        .000        .000        .000           0
04 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1L             - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX           0           0
02 1994            0        .000           0           0
03 1995            0        .000           0           0
04 TOTAL           0         XXX           0           0

SCHEDULE P - PART 1M             - INTERNATIONAL
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX           0           0           0
02 1986          -22          -1         -21           0           0           0
03 1987           15           0          15           0           0           0
04 1988           16           1          15           0           0           0
05 1989           -1           0          -1           0           0           0
06 1990           -1           0          -1           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL         XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 1M             - INTERNATIONAL
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR           0           0           0           0         XXX           0
02 1986            0           0           0           0         XXX           0
03 1987            0           0           0           0         XXX           0
04 1988            0           0           0           0         XXX           0
05 1989            0           0           0           0         XXX           0
06 1990            0           0           0           0         XXX           0
07 1991            0           0           0           0         XXX           0
08 1992            0           0           0           0         XXX           0
09 1993            0           0           0           0         XXX           0
10 1994            0           0           0           0         XXX           0
11 1995            0           0           0           0         XXX           0
12 TOTAL           0           0           0           0         XXX           0

SCHEDULE P - PART 1M             - INTERNATIONAL
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0           0           0

SCHEDULE P - PART 1M             - INTERNATIONAL
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR           0           0           0           0           0         XXX
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0           0         XXX

SCHEDULE P - PART 1M             - INTERNATIONAL
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1986            0           0        .000        .000        .000           0
03 1987            0           0        .000        .000        .000           0
04 1988            0           0        .000        .000        .000           0
05 1989            0           0        .000        .000        .000           0
06 1990            0           0        .000        .000        .000           0
07 1991            0           0        .000        .000        .000           0
08 1992            0           0        .000        .000        .000           0
09 1993            0           0        .000        .000        .000           0
10 1994            0           0        .000        .000        .000           0
11 1995            0           0        .000        .000        .000           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1M             - INTERNATIONAL
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX           0           0
02 1986            0        .000           0           0
03 1987            0        .000           0           0
04 1988            0        .000           0           0
05 1989            0        .000           0           0
06 1990            0        .000           0           0
07 1991            0        .000           0           0
08 1992            0        .000           0           0
09 1993            0        .000           0           0
10 1994            0        .000           0           0
11 1995            0        .000           0           0
12 TOTAL           0         XXX           0           0

SCHEDULE P - PART 1N             - REINSURANCE A
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 1988            0           0           0           0           0           0
02 1989            0           0           0           0           0           0
03 1990            0           0           0           0           0           0
04 1991            0           0           0           0           0           0
05 1992            0           0           0           0           0           0
06 1993            0           0           0           0           0           0
07 1994            0           0           0           0           0           0
08 1995            0           0           0           0           0           0
09 TOTAL         XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 1N             - REINSURANCE A
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 1988            0           0           0           0         XXX           0
02 1989            0           0           0           0         XXX           0
03 1990            0           0           0           0         XXX           0
04 1991            0           0           0           0         XXX           0
05 1992            0           0           0           0         XXX           0
06 1993            0           0           0           0         XXX           0
07 1994            0           0           0           0         XXX           0
08 1995            0           0           0           0         XXX           0
09 TOTAL           0           0           0           0         XXX           0

SCHEDULE P - PART 1N             - REINSURANCE A
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 1988            0           0           0           0           0           0
02 1989            0           0           0           0           0           0
03 1990            0           0           0           0           0           0
04 1991            0           0           0           0           0           0
05 1992            0           0           0           0           0           0
06 1993            0           0           0           0           0           0
07 1994            0           0           0           0           0           0
08 1995            0           0           0           0           0           0
09 TOTAL           0           0           0           0           0           0

SCHEDULE P - PART 1N             - REINSURANCE A
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 1988            0           0           0           0         XXX           0
02 1989            0           0           0           0         XXX           0
03 1990            0           0           0           0         XXX           0
04 1991            0           0           0           0         XXX           0
05 1992            0           0           0           0         XXX           0
06 1993            0           0           0           0         XXX           0
07 1994            0           0           0           0         XXX           0
08 1995            0           0           0           0         XXX           0
09 TOTAL           0           0           0           0         XXX         XXX

SCHEDULE P - PART 1N             - REINSURANCE A
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 1988            0           0        .000        .000        .000           0
02 1989            0           0        .000        .000        .000           0
03 1990            0           0        .000        .000        .000           0
04 1991            0           0        .000        .000        .000           0
05 1992            0           0        .000        .000        .000           0
06 1993            0           0        .000        .000        .000           0
07 1994            0           0        .000        .000        .000           0
08 1995            0           0        .000        .000        .000           0
09 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1N             - REINSURANCE A
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 1988            0        .000           0           0
02 1989            0        .000           0           0
03 1990            0        .000           0           0
04 1991            0        .000           0           0
05 1992            0        .000           0           0
06 1993            0        .000           0           0
07 1994            0        .000           0           0
08 1995            0        .000           0           0
09 TOTAL           0         XXX           0           0

SCHEDULE P - PART 1O             - REINSURANCE B
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 1988           21           0          21           0           0           0
02 1989            0           0           0           0           0           0
03 1990            0           0           0           0           0           0
04 1991            0           0           0           0           0           0
05 1992            0           0           0           0           0           0
06 1993            0           0           0           0           0           0
07 1994            0           0           0           0           0           0
08 1995            0           0           0           0           0           0
09 TOTAL         XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 1O             - REINSURANCE B
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 1988            0           0           0           0         XXX           0
02 1989            0           0           0           0         XXX           0
03 1990            0           0           0           0         XXX           0
04 1991            0           0           0           0         XXX           0
05 1992            0           0           0           0         XXX           0
06 1993            0           0           0           0         XXX           0
07 1994            0           0           0           0         XXX           0
08 1995            0           0           0           0         XXX           0
09 TOTAL           0           0           0           0         XXX           0

SCHEDULE P - PART 1O             - REINSURANCE B
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 1988            0           0           0           0           0           0
02 1989            0           0           0           0           0           0
03 1990            0           0           0           0           0           0
04 1991            0           0           0           0           0           0
05 1992            0           0           0           0           0           0
06 1993            0           0           0           0           0           0
07 1994            0           0           0           0           0           0
08 1995            0           0           0           0           0           0
09 TOTAL           0           0           0           0           0           0

SCHEDULE P - PART 1O             - REINSURANCE B
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 1988            0           0           0           0         XXX           0
02 1989            0           0           0           0         XXX           0
03 1990            0           0           0           0         XXX           0
04 1991            0           0           0           0         XXX           0
05 1992            0           0           0           0         XXX           0
06 1993            0           0           0           0         XXX           0
07 1994            0           0           0           0         XXX           0
08 1995            0           0           0           0         XXX           0
09 TOTAL           0           0           0           0         XXX         XXX

SCHEDULE P - PART 1O             - REINSURANCE B
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 1988            0           0        .000        .000        .000           0
02 1989            0           0        .000        .000        .000           0
03 1990            0           0        .000        .000        .000           0
04 1991            0           0        .000        .000        .000           0
05 1992            0           0        .000        .000        .000           0
06 1993            0           0        .000        .000        .000           0
07 1994            0           0        .000        .000        .000           0
08 1995            0           0        .000        .000        .000           0
09 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1O             - REINSURANCE B
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 1988            0        .000           0           0
02 1989            0        .000           0           0
03 1990            0        .000           0           0
04 1991            0        .000           0           0
05 1992            0        .000           0           0
06 1993            0        .000           0           0
07 1994            0        .000           0           0
08 1995            0        .000           0           0
09 TOTAL           0         XXX           0           0

SCHEDULE P - PART 1P             - REINSURANCE C
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 1988            0           0           0           0           0           0
02 1989            0           0           0           0           0           0
03 1990            0           0           0           0           0           0
04 1991            0           0           0           0           0           0
05 1992            0           0           0           0           0           0
06 1993            0           0           0           0           0           0
07 1994            0           0           0           0           0           0
08 1995            0           0           0           0           0           0
09 TOTAL         XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 1P             - REINSURANCE C
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 1988            0           0           0           0         XXX           0
02 1989            0           0           0           0         XXX           0
03 1990            0           0           0           0         XXX           0
04 1991            0           0           0           0         XXX           0
05 1992            0           0           0           0         XXX           0
06 1993            0           0           0           0         XXX           0
07 1994            0           0           0           0         XXX           0
08 1995            0           0           0           0         XXX           0
09 TOTAL           0           0           0           0         XXX           0

SCHEDULE P - PART 1P             - REINSURANCE C
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 1988            0           0           0           0           0           0
02 1989            0           0           0           0           0           0
03 1990            0           0           0           0           0           0
04 1991            0           0           0           0           0           0
05 1992            0           0           0           0           0           0
06 1993            0           0           0           0           0           0
07 1994            0           0           0           0           0           0
08 1995            0           0           0           0           0           0
09 TOTAL           0           0           0           0           0           0

SCHEDULE P - PART 1P             - REINSURANCE C
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 1988            0           0           0           0         XXX           0
02 1989            0           0           0           0         XXX           0
03 1990            0           0           0           0         XXX           0
04 1991            0           0           0           0         XXX           0
05 1992            0           0           0           0         XXX           0
06 1993            0           0           0           0         XXX           0
07 1994            0           0           0           0         XXX           0
08 1995            0           0           0           0         XXX           0
09 TOTAL           0           0           0           0         XXX         XXX

SCHEDULE P - PART 1P             - REINSURANCE C
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 1988            0           0        .000        .000        .000           0
02 1989            0           0        .000        .000        .000           0
03 1990            0           0        .000        .000        .000           0
04 1991            0           0        .000        .000        .000           0
05 1992            0           0        .000        .000        .000           0
06 1993            0           0        .000        .000        .000           0
07 1994            0           0        .000        .000        .000           0
08 1995            0           0        .000        .000        .000           0
09 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1P             - REINSURANCE C
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 1988            0        .000           0           0
02 1989            0        .000           0           0
03 1990            0        .000           0           0
04 1991            0        .000           0           0
05 1992            0        .000           0           0
06 1993            0        .000           0           0
07 1994            0        .000           0           0
08 1995            0        .000           0           0
09 TOTAL           0         XXX           0           0

SCHEDULE P - PART 1Q             - REINSURANCE D
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX           0           0           0
02 1986          199           0         199         293           0           0
03 1987            6           0           6           6           0           0
04 1988          XXX         XXX         XXX         299           0           0

SCHEDULE P - PART 1Q             - REINSURANCE D
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR           0           0           0           0         XXX           0
02 1986            0           0           0         293         XXX           0
03 1987            0           0           0           6         XXX           0
04 1988            0           0           0         299         XXX           0

SCHEDULE P - PART 1Q             - REINSURANCE D
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0

SCHEDULE P - PART 1Q             - REINSURANCE D
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR           0           0           0           0         XXX         XXX
02 1986            0           0           0           0         XXX         293
03 1987            0           0           0           0         XXX           6
04 1988            0           0           0           0         XXX           0

SCHEDULE P - PART 1Q             - REINSURANCE D
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1986            0         293     147.236        .000     147.236           0
03 1987            0           6     100.000        .000     100.000           0
04 1988          XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1Q             - REINSURANCE D
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX           0           0
02 1986            0        .000           0           0
03 1987            0        .000           0           0
04 1988            0         XXX           0           0

SCHEDULE P - PART 1R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX           0           0           0
02 1986        1,632         612       1,020       1,230         557          41
03 1987        1,159         479         680         407           3          23
04 1988          656         251         405         251           0          18
05 1989          323         131         192         172          16          12
06 1990          318         151         167          81           0           5
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL         XXX         XXX         XXX       2,141         576          99

SCHEDULE P - PART 1R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR           0           0           0           0         XXX           0
02 1986            1           0          12         725           9           0
03 1987            0           0           9         436           4           0
04 1988            0           0           7         276           0           0
05 1989            0           0           3         171           0           0
06 1990            0           0           6          92           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           1           0          37       1,700         XXX           0

SCHEDULE P - PART 1R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0           0           0

SCHEDULE P - PART 1R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR           0           0           0           0           0         XXX
02 1986            0           0           0           0           0       1,283
03 1987            0           0           0           0           0         439
04 1988            0           0           0           0           0         276
05 1989            0           0           0           0           0         187
06 1990            0           0           0           0           0          92
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0           0         XXX

SCHEDULE P - PART 1R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1986          558         725      78.615      91.176      71.078           0
03 1987            3         436      37.877        .626      64.118           0
04 1988            0         276      42.073        .000      68.148           0
05 1989           16         171      57.895      12.214      89.063           0
06 1990            0          92      28.931        .000      55.090           0
07 1991            0           0        .000        .000        .000           0
08 1992            0           0        .000        .000        .000           0
09 1993            0           0        .000        .000        .000           0
10 1994            0           0        .000        .000        .000           0
11 1995            0           0        .000        .000        .000           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX           0           0
02 1986            0        .000           0           0
03 1987            0        .000           0           0
04 1988            0        .000           0           0
05 1989            0        .000           0           0
06 1990            0        .000           0           0
07 1991            0        .000           0           0
08 1992            0        .000           0           0
09 1993            0        .000           0           0
10 1994            0        .000           0           0
11 1995            0        .000           0           0
12 TOTAL           0         XXX           0           0

SCHEDULE P - PART 1R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS MADE
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL         XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 1R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS MADE
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR           0           0           0           0         XXX           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0         XXX           0

SCHEDULE P - PART 1R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS MADE
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0           0           0

SCHEDULE P - PART 1R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS MADE
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR           0           0           0           0           0         XXX
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL           0           0           0           0           0         XXX

SCHEDULE P - PART 1R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS MADE
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1986            0           0        .000        .000        .000           0
03 1987            0           0        .000        .000        .000           0
04 1988            0           0        .000        .000        .000           0
05 1989            0           0        .000        .000        .000           0
06 1990            0           0        .000        .000        .000           0
07 1991            0           0        .000        .000        .000           0
08 1992            0           0        .000        .000        .000           0
09 1993            0           0        .000        .000        .000           0
10 1994            0           0        .000        .000        .000           0
11 1995            0           0        .000        .000        .000           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS MADE
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX           0           0
02 1986            0        .000           0           0
03 1987            0        .000           0           0
04 1988            0        .000           0           0
05 1989            0        .000           0           0
06 1990            0        .000           0           0
07 1991            0        .000           0           0
08 1992            0        .000           0           0
09 1993            0        .000           0           0
10 1994            0        .000           0           0
11 1995            0        .000           0           0
12 TOTAL           0         XXX           0           0

SCHEDULE P - PART 1S             - FINANCIAL GUARANTY/MORTGAGE GUARANTY
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX           0           0           0
02 1994            0           0           0           0           0           0
03 1995            0           0           0           0           0           0
04 TOTAL         XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 1S             - FINANCIAL GUARANTY/MORTGAGE GUARANTY
    1            LOSS AND LOSS EXPENSE PAYMENTS                    LOSSES UNPAID
YEARS IN   ALLOC LOSS       9          10          11          12     CASE BASIS
WHICH PRE-   EXPENSE                                      NUMBER OF
MIUMS WERE  PAYMENTS   SALVAGE   UNALLOCATED     TOTAL      CLAIMS         13
EARNED AND      8        AND         LOSS       NET PAID  REPORTED -     DIRECT
LOSSES        CEDED  SUBROGATION   EXPENSE    (5 - 6 + 7  DIRECT AND       AND
WERE INC               RECEIVED    PAYMENTS    - 8 + 10)    ASSUMED      ASSUMED
01 PRIOR           0           0           0           0         XXX           0
02 1994            0           0           0           0         XXX           0
03 1995            0           0           0           0         XXX           0
04 TOTAL           0           0           0           0         XXX           0

SCHEDULE P - PART 1S             - FINANCIAL GUARANTY/MORTGAGE GUARANTY
    1   LOSSES UNPAID                          ALLOCATED LOSS EXPENSES UNPAID
YEARS IN  CASE BASIS       BULK  + IBNR            CASE  BASIS       BULK + IBNR
WHICH PRE-
MIUMS WERE     14          15          16          17          18          19
EARNED AND               DIRECT                  DIRECT                  DIRECT
LOSSES        CEDED        AND        CEDED        AND        CEDED        AND
WERE INC                 ASSUMED                 ASSUMED                 ASSUMED
01 PRIOR           0           0           0           0           0           0
02 1994            0           0           0           0           0           0
03 1995            0           0           0           0           0           0
04 TOTAL           0           0           0           0           0           0

SCHEDULE P - PART 1S             - FINANCIAL GUARANTY/MORTGAGE GUARANTY
    1                      21          22          23          24   TOTAL LOSSES
YEARS IN  BULK + IBNR                                                & LOSS EXP
WHICH PRE-                                                NUMBER OF   INCURRED
MIUMS WERE     20      SALVAGE   UNALLOCATED     TOTAL      CLAIMS         25
EARNED AND               AND        LOSS      NET LOSSES OUTSTANDING     DIRECT
LOSSES        CEDED  SUBROGATION  EXPENSES    & EXPENSES  DIRECT AND       AND
WERE INC             ANTICIPATED   UNPAID       UNPAID      ASSUMED      ASSUMED
01 PRIOR           0           0           0           0           0         XXX
02 1994            0           0           0           0           0           0
03 1995            0           0           0           0           0           0
04 TOTAL           0           0           0           0           0         XXX

SCHEDULE P - PART 1S             - FINANCIAL GUARANTY/MORTGAGE GUARANTY
    1      TOTAL LOSSES AND LOSS  LOSS AND LOSS EXPENSE PERCENTAGE  DISCOUNT FOR
YEARS IN     EXPENSES INCURRED       (INCURRED/PREMIUMS EARNED)      TIME VALUE
WHICH PRE-                                                            OF MONEY
MIUMS WERE     26          27          28          29          30          31
EARNED AND                           DIRECT
LOSSES         CEDED       NET*        AND         CEDED       NET         LOSS
WERE INC                             ASSUMED
01 PRIOR         XXX         XXX         XXX         XXX         XXX           0
02 1994            0           0        .000        .000        .000           0
03 1995            0           0        .000        .000        .000           0
04 TOTAL         XXX         XXX         XXX         XXX         XXX           0

SCHEDULE P - PART 1S             - FINANCIAL GUARANTY/MORTGAGE GUARANTY
    1     DISCOUNT FOR     33       NET BALANCE SHEET
YEARS IN   TIME VALUE            RESERVES AFTER DISCOUNT
WHICH PRE-  OF MONEY    INTER-
MIUMS WERE     32      COMPANY         34          35
EARNED AND             POOLING                    LOSS
LOSSES       LOSS   PARTICIPATION     LOSSES    EXPENSES
WERE INC    EXPENSE   PERCENTAGE      UNPAID     UNPAID
01 PRIOR           0         XXX           0           0
02 1994            0        .000           0           0
03 1995            0        .000           0           0
04 TOTAL           0         XXX           0           0

SCHEDULE P - PART 2A             - HOMEOWNERS/FARMOWNERS
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         175         155         152         180         189         260
02 1986        1,415       1,253       1,198       1,182       1,189       1,236
03 1987          XXX       1,413       1,290       1,288       1,275       1,325
04 1988          XXX         XXX       1,636       1,612       1,632       1,739
05 1989          XXX         XXX         XXX       2,744       2,924       3,085
06 1990          XXX         XXX         XXX         XXX       3,444       3,530
07 1991          XXX         XXX         XXX         XXX         XXX       3,433
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX
12 TOTAL

SCHEDULE P - PART 2A             - HOMEOWNERS/FARMOWNERS
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR         263         258         224         224           0         -34
02 1986        1,223       1,193       1,193       1,193           0           0
03 1987        1,308       1,275       1,276       1,276           0           1
04 1988        1,686       1,621       1,621       1,621           0           0
05 1989        3,021       2,948       2,959       2,971          12          23
06 1990        3,333       3,227       3,209       3,195         -14         -32
07 1991        3,228       3,144       3,133       3,132          -1         -12
08 1992        3,824       3,179       3,105       3,151          46         -28
09 1993          XXX       1,810       1,827       1,804         -23          -6
10 1994          XXX         XXX         623         616          -7         XXX
11 1995          XXX         XXX         XXX          14         XXX         XXX
12 TOTAL                                                          13         -88

SCHEDULE P - PART 2B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR      25,598      39,120      39,032      37,070      37,149      37,283
02 1986       66,945      68,638      70,633      70,684      70,416      70,439
03 1987          XXX     101,414     108,109     110,179     111,326     111,574
04 1988          XXX         XXX     137,924     146,252     152,574     151,053
05 1989          XXX         XXX         XXX     183,169     183,552     181,902
06 1990          XXX         XXX         XXX         XXX     232,005     218,294
07 1991          XXX         XXX         XXX         XXX         XXX     317,568
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX
12 TOTAL

SCHEDULE P - PART 2B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR      37,164      38,139      37,207      37,058        -149      -1,081
02 1986       70,389      70,343      70,272      70,300          28         -43
03 1987      111,460     111,212     110,929     110,952          23        -260
04 1988      149,712     149,099     148,927     148,875         -52        -224
05 1989      178,598     177,758     176,683     176,732          49      -1,026
06 1990      217,693     216,485     215,994     217,282       1,288         797
07 1991      299,827     297,362     297,218     297,108        -110        -254
08 1992      360,506     340,597     335,336     334,907        -429      -5,690
09 1993          XXX     426,301     410,506     412,106       1,600     -14,195
10 1994          XXX         XXX     543,701     540,181      -3,520         XXX
11 1995          XXX         XXX         XXX     605,647         XXX         XXX
12 TOTAL                                                      -1,271     -21,975

SCHEDULE P - PART 2C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR       2,318       2,740       2,657         603       1,406       1,249
02 1986        1,782       1,953       1,899       1,146       1,070       1,379
03 1987          XXX       4,798       4,756       3,141       3,249       3,000
04 1988          XXX         XXX       5,899       4,575       4,968       4,846
05 1989          XXX         XXX         XXX       5,395       5,408       5,529
06 1990          XXX         XXX         XXX         XXX       7,540       6,848
07 1991          XXX         XXX         XXX         XXX         XXX       7,084
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX
12 TOTAL

SCHEDULE P - PART 2C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR       1,317       1,273       1,251       1,250          -1         -23
02 1986        1,101       1,093       1,118       1,118           0          25
03 1987        2,978       2,970       2,972       2,972           0           2
04 1988        4,726       4,749       4,694       4,694           0         -55
05 1989        5,527       5,763       5,720       5,652         -68        -111
06 1990        7,144       7,664       7,363       7,079        -284        -585
07 1991        7,639       7,763       7,224       7,161         -63        -602
08 1992        7,686       7,041       6,517       6,014        -503      -1,027
09 1993          XXX      10,699       8,421       7,948        -473      -2,751
10 1994          XXX         XXX       8,000       6,931      -1,069         XXX
11 1995          XXX         XXX         XXX       8,716         XXX         XXX
12 TOTAL                                                      -2,461      -5,127

SCHEDULE P - PART 2D             - WORKERS' COMPENSATION
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR      75,565      71,814      65,671      73,859      72,909      74,098
02 1986      104,600     111,647     108,666     111,982     108,309     109,352
03 1987          XXX     145,390     131,617     131,679     120,814     119,364
04 1988          XXX         XXX     160,365     156,541     153,615     141,133
05 1989          XXX         XXX         XXX     172,326     187,969     174,457
06 1990          XXX         XXX         XXX         XXX     209,512     232,976
07 1991          XXX         XXX         XXX         XXX         XXX     211,992
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX
12 TOTAL

SCHEDULE P - PART 2D             - WORKERS' COMPENSATION
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR      75,305      76,301      76,829      76,835           6         534
02 1986      109,354     110,011     109,629     109,793         164        -218
03 1987      120,494     120,159     120,823     121,432         609       1,273
04 1988      136,082     134,238     133,117     132,672        -445      -1,566
05 1989      168,268     163,809     161,908     162,075         167      -1,734
06 1990      224,789     216,044     211,079     209,820      -1,259      -6,224
07 1991      238,574     234,271     222,874     221,790      -1,084     -12,481
08 1992      234,957     231,720     217,915     200,141     -17,774     -31,579
09 1993          XXX     257,841     252,710     249,540      -3,170      -8,301
10 1994          XXX         XXX     280,662     267,456     -13,206         XXX
11 1995          XXX         XXX         XXX     209,092         XXX         XXX
12 TOTAL                                                     -35,992     -60,296

SCHEDULE P - PART 2E             - COMMERICAL MULTIPLE PERIL
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         630         374         432         486         543         559
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX
12 TOTAL

SCHEDULE P - PART 2E             - COMMERICAL MULTIPLE PERIL
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR         695         550         551         550          -1           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993          XXX           0           0           0           0           0
10 1994          XXX         XXX           0           0           0         XXX
11 1995          XXX         XXX         XXX           0         XXX         XXX
12 TOTAL                                                          -1           0

SCHEDULE P - PART 2F - SECTION 1 - MEDICAL MALPRACTICE - OCCURRENCE
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX
12 TOTAL

SCHEDULE P - PART 2F - SECTION 1 - MEDICAL MALPRACTICE - OCCURRENCE
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993          XXX           0           0           0           0           0
10 1994          XXX         XXX           0           0           0         XXX
11 1995          XXX         XXX         XXX           0         XXX         XXX
12 TOTAL                                                           0           0

SCHEDULE P - PART 2F - SECTION 2 - MEDICAL MALPRACTICE - CLAIMS MADE
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX
12 TOTAL

SCHEDULE P - PART 2F - SECTION 2 - MEDICAL MALPRACTICE - CLAIMS MADE
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993          XXX           0           0           0           0           0
10 1994          XXX         XXX           0           0           0         XXX
11 1995          XXX         XXX         XXX           0         XXX         XXX
12 TOTAL                                                           0           0

SCHEDULE P - PART 2G             - SPECIAL LIABILITY
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         142         165         149         114         117         117
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX          33          32          32
06 1990          XXX         XXX         XXX         XXX          75          88
07 1991          XXX         XXX         XXX         XXX         XXX         154
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX
12 TOTAL

SCHEDULE P - PART 2G             - SPECIAL LIABILITY
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR         117         117         117         117           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989           32          32          32          32           0           0
06 1990           79          76          78          78           0           2
07 1991          127         126         126         126           0           0
08 1992          400         320         320         315          -5          -5
09 1993          XXX         287         331         308         -23          21
10 1994          XXX         XXX         113          94         -19         XXX
11 1995          XXX         XXX         XXX           0         XXX         XXX
12 TOTAL                                                         -48          17

SCHEDULE P - PART 2H - SECTION 1 - OTHER LIABILITY - OCCURRENCE
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR       3,774       4,653       6,780       6,851       6,937       7,519
02 1986        3,472       3,139       3,079       2,289       2,185       2,185
03 1987          XXX       1,668       1,736       1,648       1,548       1,548
04 1988          XXX         XXX       1,537       1,380       1,412       1,412
05 1989          XXX         XXX         XXX         643         511         489
06 1990          XXX         XXX         XXX         XXX         529         518
07 1991          XXX         XXX         XXX         XXX         XXX         144
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX
12 TOTAL

SCHEDULE P - PART 2H - SECTION 1 - OTHER LIABILITY - OCCURRENCE
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR       8,250      11,335      11,787      12,061         274         726
02 1986        2,185       2,185       2,185       2,185           0           0
03 1987        1,548       1,548       1,548       1,548           0           0
04 1988        1,412       1,412       1,412       1,412           0           0
05 1989          537         476         476         476           0           0
06 1990          418         368         368         368           0           0
07 1991          100           0           0           0           0           0
08 1992          112          67           0           0           0         -67
09 1993          XXX         100           7           7           0         -93
10 1994          XXX         XXX         100         100           0         XXX
11 1995          XXX         XXX         XXX           0         XXX         XXX
12 TOTAL                                                         274         566

SCHEDULE P - PART 2H - SECTION 2 - OTHER LIABILITY - CLAIMS MADE
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX
12 TOTAL

SCHEDULE P - PART 2H - SECTION 2 - OTHER LIABILITY - CLAIMS MADE
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993          XXX           0           0           0           0           0
10 1994          XXX         XXX           0           0           0         XXX
11 1995          XXX         XXX         XXX           0         XXX         XXX
12 TOTAL                                                           0           0

SCHEDULE P - PART 2I             - SPECIAL PROPERTY
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1994          XXX         XXX         XXX         XXX         XXX         XXX
03 1995          XXX         XXX         XXX         XXX         XXX         XXX
04 TOTAL

SCHEDULE P - PART 2I             - SPECIAL PROPERTY
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR         XXX           0           0           0           0           0
02 1994          XXX         XXX           0           0           0         XXX
03 1995          XXX         XXX         XXX           0         XXX         XXX
04 TOTAL                                                           0           0

SCHEDULE P - PART 2J             - AUTO PHYSICAL DAMAGE
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1994          XXX         XXX         XXX         XXX         XXX         XXX
03 1995          XXX         XXX         XXX         XXX         XXX         XXX
04 TOTAL

SCHEDULE P - PART 2J             - AUTO PHYSICAL DAMAGE
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR         XXX      32,150      15,683      14,728        -955     -17,422
02 1994          XXX         XXX     237,200     227,096     -10,104         XXX
03 1995          XXX         XXX         XXX     310,166         XXX         XXX
04 TOTAL                                                     -11,076     -16,150

SCHEDULE P - PART 2K             - FIDELITY, SURETY
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1994          XXX         XXX         XXX         XXX         XXX         XXX
03 1995          XXX         XXX         XXX         XXX         XXX         XXX
04 TOTAL

SCHEDULE P - PART 2K             - FIDELITY, SURETY
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR         XXX           5           0           0           0          -5
02 1994          XXX         XXX           2           0          -2         XXX
03 1995          XXX         XXX         XXX           2         XXX         XXX
04 TOTAL                                                          -2          -5

SCHEDULE P - PART 2L             - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1994          XXX         XXX         XXX         XXX         XXX         XXX
03 1995          XXX         XXX         XXX         XXX         XXX         XXX
04 TOTAL

SCHEDULE P - PART 2L             - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR         XXX           0           0           0           0           0
02 1994          XXX         XXX           0           0           0         XXX
03 1995          XXX         XXX         XXX           0         XXX         XXX
04 TOTAL                                                           0           0

SCHEDULE P - PART 2M             - INTERNATIONAL
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         153         169         222         260         272         272
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX
12 TOTAL

SCHEDULE P - PART 2M             - INTERNATIONAL
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR         272         272         272         272           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993          XXX           0           0           0           0           0
10 1994          XXX         XXX           0           0           0         XXX
11 1995          XXX         XXX         XXX           0         XXX         XXX
12 TOTAL                                                           0           0

SCHEDULE P - PART 2N             - REINSURANCE A
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 1988          XXX         XXX           0           0           0           0
02 1989          XXX         XXX         XXX           0           0           0
03 1990          XXX         XXX         XXX         XXX           0           0
04 1991          XXX         XXX         XXX         XXX         XXX           0
05 1992          XXX         XXX         XXX         XXX         XXX         XXX
06 1993          XXX         XXX         XXX         XXX         XXX         XXX
07 1994          XXX         XXX         XXX         XXX         XXX         XXX
08 1995          XXX         XXX         XXX         XXX         XXX         XXX
09 TOTAL

SCHEDULE P - PART 2N             - REINSURANCE A
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 1988            0           0           0           0           0           0
02 1989            0           0           0           0           0           0
03 1990            0           0           0           0           0           0
04 1991            0           0           0           0           0           0
05 1992            0           0           0           0           0           0
06 1993          XXX           0           0           0           0         XXX
07 1994          XXX         XXX           0           0           0         XXX
08 1995          XXX         XXX         XXX           0         XXX         XXX
09 TOTAL                                                           0           0

SCHEDULE P - PART 2O             - REINSURANCE B
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 1988          XXX         XXX           0           0           0           0
02 1989          XXX         XXX         XXX           0           0           0
03 1990          XXX         XXX         XXX         XXX           0           0
04 1991          XXX         XXX         XXX         XXX         XXX           0
05 1992          XXX         XXX         XXX         XXX         XXX         XXX
06 1993          XXX         XXX         XXX         XXX         XXX         XXX
07 1994          XXX         XXX         XXX         XXX         XXX         XXX
08 1995          XXX         XXX         XXX         XXX         XXX         XXX
09 TOTAL

SCHEDULE P - PART 2O             - REINSURANCE B
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 1988            0           0           0           0           0           0
02 1989            0           0           0           0           0           0
03 1990            0           0           0           0           0           0
04 1991            0           0           0           0           0           0
05 1992            0           0           0           0           0           0
06 1993          XXX           0           0           0           0         XXX
07 1994          XXX         XXX           0           0           0         XXX
08 1995          XXX         XXX         XXX           0         XXX         XXX
09 TOTAL                                                           0           0

SCHEDULE P - PART 2P             - REINSURANCE C
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 1988          XXX         XXX           0           0           0           0
02 1989          XXX         XXX         XXX           0           0           0
03 1990          XXX         XXX         XXX         XXX           0           0
04 1991          XXX         XXX         XXX         XXX         XXX           0
05 1992          XXX         XXX         XXX         XXX         XXX         XXX
06 1993          XXX         XXX         XXX         XXX         XXX         XXX
07 1994          XXX         XXX         XXX         XXX         XXX         XXX
08 1995          XXX         XXX         XXX         XXX         XXX         XXX
09 TOTAL

SCHEDULE P - PART 2P             - REINSURANCE C
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 1988            0           0           0           0           0           0
02 1989            0           0           0           0           0           0
03 1990            0           0           0           0           0           0
04 1991            0           0           0           0           0           0
05 1992            0           0           0           0           0           0
06 1993          XXX           0           0           0           0         XXX
07 1994          XXX         XXX           0           0           0         XXX
08 1995          XXX         XXX         XXX           0         XXX         XXX
09 TOTAL                                                           0           0

SCHEDULE P - PART 2Q             - REINSURANCE D
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         126         209         266         332         346         346
02 1986          189         179         263         282         293         293
03 1987          XXX           0           0           0           6           6
04 1988

SCHEDULE P - PART 2Q             - REINSURANCE D
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR         346         346         346         346           0           0
02 1986          293         293         293         293           0           0
03 1987            6           6           6           6           0           0
04 1988                                                            0           0

SCHEDULE P - PART 2R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         357         449         614       1,065       1,168       1,168
02 1986          811         834         858         799         713         713
03 1987          XXX         440         421         423         427         427
04 1988          XXX         XXX         253         268         269         269
05 1989          XXX         XXX         XXX         145         168         168
06 1990          XXX         XXX         XXX         XXX          86          86
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX
12 TOTAL

SCHEDULE P - PART 2R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR       1,168       1,168       1,168       1,168           0           0
02 1986          713         713         713         713           0           0
03 1987          427         427         427         427           0           0
04 1988          269         269         269         269           0           0
05 1989          168         168         168         168           0           0
06 1990           86          86          86          86           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993          XXX           0           0           0           0           0
10 1994          XXX         XXX           0           0           0         XXX
11 1995          XXX         XXX         XXX           0         XXX         XXX
12 TOTAL                                                           0           0

SCHEDULE P - PART 2R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS MADE
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX
12 TOTAL

SCHEDULE P - PART 2R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS MADE
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993          XXX           0           0           0           0           0
10 1994          XXX         XXX           0           0           0         XXX
11 1995          XXX         XXX         XXX           0         XXX         XXX
12 TOTAL                                                           0           0

SCHEDULE P - PART 2S             - FINANCIAL GUARANTY/MORTGAGE GUARANTY
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1994          XXX         XXX         XXX         XXX         XXX         XXX
03 1995          XXX         XXX         XXX         XXX         XXX         XXX
04 TOTAL

SCHEDULE P - PART 2S             - FINANCIAL GUARANTY/MORTGAGE GUARANTY
    1  INCURRED LOSSES AND ALLOCATED EXPENSES REPORTED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995     ONE YEAR    TWO YEAR
LOSSES WERE                                              DEVELOPMENT DEVELOPMENT
INCURRED
01 PRIOR         XXX           0           0           0           0           0
02 1994          XXX         XXX           0           0           0         XXX
03 1995          XXX         XXX         XXX           0         XXX         XXX
04 TOTAL                                                           0           0

SCHEDULE P - PART 3A             - HOMEOWNERS/FARMOWNERS
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0          99         103         156         154         165
02 1986          796       1,188       1,182       1,183       1,184       1,193
03 1987          XXX       1,008       1,233       1,256       1,275       1,275
04 1988          XXX         XXX       1,283       1,521       1,622       1,632
05 1989          XXX         XXX         XXX       2,035       2,845       2,912
06 1990          XXX         XXX         XXX         XXX       2,238       2,855
07 1991          XXX         XXX         XXX         XXX         XXX       2,489
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3A             - HOMEOWNERS/FARMOWNERS
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR         171         182         224         224          57          19
02 1986        1,193       1,193       1,193       1,193         914         337
03 1987        1,275       1,275       1,276       1,276         912         297
04 1988        1,621       1,621       1,621       1,621       1,030         378
05 1989        2,927       2,928       2,926       2,929       1,496         721
06 1990        2,959       3,193       3,194       3,195       1,621         924
07 1991        3,001       3,130       3,129       3,132       1,350         507
08 1992        3,404       3,059       3,081       3,150       1,237         433
09 1993          XXX       1,444       1,785       1,798         735         274
10 1994          XXX         XXX         492         610         144          44
11 1995          XXX         XXX         XXX          14          63          24

SCHEDULE P - PART 3B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0      19,463      28,813      34,077      34,820      35,582
02 1986       29,689      51,701      62,843      68,121      69,523      70,327
03 1987          XXX      46,530      84,104      97,932     104,590     108,786
04 1988          XXX         XXX      61,268     111,975     132,534     143,716
05 1989          XXX         XXX         XXX      72,214     128,581     158,216
06 1990          XXX         XXX         XXX         XXX      62,239     156,613
07 1991          XXX         XXX         XXX         XXX         XXX     131,690
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR      36,997      37,250      36,697      36,825           0           0
02 1986       69,934      70,081      70,107      70,099      46,481      23,973
03 1987      110,030     110,635     110,865     110,914      50,431      24,120
04 1988      147,300     147,982     148,409     148,667      62,001      27,642
05 1989      172,609     174,973     175,994     175,930      87,345      38,216
06 1990      192,407     210,414     213,790     214,731     104,672      46,531
07 1991      239,677     275,333     287,859     293,462     127,541      53,622
08 1992      149,288     272,150     311,342     325,028     138,696      58,551
09 1993          XXX     184,903     336,244     382,740     161,354      71,278
10 1994          XXX         XXX     238,996     435,802     193,415      84,252
11 1995          XXX         XXX         XXX     262,024     125,645      60,068

SCHEDULE P - PART 3C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0         525         813       1,220       1,272       1,177
02 1986          565       1,118       1,400         857         971       1,229
03 1987          XXX       1,528       3,028       2,294       2,742       2,947
04 1988          XXX         XXX       1,834       2,092       3,247       4,391
05 1989          XXX         XXX         XXX       1,050       2,762       4,573
06 1990          XXX         XXX         XXX         XXX       1,976       3,373
07 1991          XXX         XXX         XXX         XXX         XXX       1,690
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR       1,211       1,249       1,250       1,250           0           0
02 1986        1,039       1,093       1,116       1,117           0           0
03 1987        2,949       2,970       2,971       2,972           0           0
04 1988        4,573       4,648       4,694       4,694           0           0
05 1989        5,168       5,345       5,540       5,652       1,025         113
06 1990        5,457       6,332       7,333       7,328       1,150         169
07 1991        3,900       5,909       6,511       6,905       1,274         378
08 1992        1,986       3,280       4,801       5,216       1,393         616
09 1993          XXX       2,033       3,969       5,807       1,407         763
10 1994          XXX         XXX       1,640       3,647       1,349         536
11 1995          XXX         XXX         XXX       2,048       1,031         435

SCHEDULE P - PART 3D             - WORKERS' COMPENSATION
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0      27,610      45,443      56,365      63,133      67,627
02 1986       22,442      49,581      72,810      89,028      97,446     103,399
03 1987          XXX      23,579      55,383      81,025      99,029     109,070
04 1988          XXX         XXX      23,996      57,813      86,412     106,183
05 1989          XXX         XXX         XXX      29,877      74,974     112,077
06 1990          XXX         XXX         XXX         XXX      43,713     109,469
07 1991          XXX         XXX         XXX         XXX         XXX      49,706
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3D             - WORKERS' COMPENSATION
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR      70,910      72,765      74,055      75,075           0           0
02 1986      106,196     107,990     109,171     109,647      30,089       2,718
03 1987      114,895     118,388     119,810     121,041      32,114       2,944
04 1988      116,766     123,065     126,524     128,320      31,406       2,745
05 1989      133,238     143,753     149,375     153,117      34,403       3,069
06 1990      153,929     179,579     191,040     198,085      37,965       4,400
07 1991      116,989     162,166     186,763     200,348      35,123       3,755
08 1992       47,277     107,203     146,140     165,751      34,357       3,480
09 1993          XXX      51,319     108,967     146,668      34,355       3,397
10 1994          XXX         XXX      54,719     122,783      38,040       3,612
11 1995          XXX         XXX         XXX      49,686      23,054       2,266

SCHEDULE P - PART 3E             - COMMERICAL MULTIPLE PERIL
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0          97         171         246         286         381
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3E             - COMMERICAL MULTIPLE PERIL
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR         465         558         562         550           0           1
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993          XXX           0           0           0           0           0
10 1994          XXX         XXX           0           0           0           0
11 1995          XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 3F - SECTION 1 - MEDICAL MALPRACTICE - OCCURRENCE
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3F - SECTION 1 - MEDICAL MALPRACTICE - OCCURRENCE
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993          XXX           0           0           0           0           0
10 1994          XXX         XXX           0           0           0           0
11 1995          XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 3F - SECTION 2 - MEDICAL MALPRACTICE - CLAIMS MADE
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3F - SECTION 2 - MEDICAL MALPRACTICE - CLAIMS MADE
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993          XXX           0           0           0           0           0
10 1994          XXX         XXX           0           0           0           0
11 1995          XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 3G             - SPECIAL LIABILITY
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0          52          65          68         117         117
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX          22          32          32
06 1990          XXX         XXX         XXX         XXX          59          76
07 1991          XXX         XXX         XXX         XXX         XXX         115
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3G             - SPECIAL LIABILITY
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR         117         117         117         117         XXX         XXX
02 1986            0           0           0           0         XXX         XXX
03 1987            0           0           0           0         XXX         XXX
04 1988            0           0           0           0         XXX         XXX
05 1989           32          32          32          32         XXX         XXX
06 1990           79          79          78          78         XXX         XXX
07 1991          126         126         126         126         XXX         XXX
08 1992          189         315         315         315         XXX         XXX
09 1993          XXX         189         239         308         XXX         XXX
10 1994          XXX         XXX          93          94         XXX         XXX
11 1995          XXX         XXX         XXX           0         XXX         XXX

SCHEDULE P - PART 3H - SECTION 1 - OTHER LIABILITY - OCCURRENCE
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0         845       2,073       2,744       4,247       4,391
02 1986            0          79         169         238       2,185       2,185
03 1987          XXX           0           0         120       1,548       1,548
04 1988          XXX         XXX           0         526       1,412       1,412
05 1989          XXX         XXX         XXX           0         411         414
06 1990          XXX         XXX         XXX         XXX         368         368
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3H - SECTION 1 - OTHER LIABILITY - OCCURRENCE
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR       4,435       4,614       4,785       4,811          36          54
02 1986        2,185       2,185       2,185       2,185           0           0
03 1987        1,548       1,548       1,548       1,548           0           0
04 1988        1,412       1,412       1,412       1,412           2           0
05 1989          434         476         476         476           1           2
06 1990          368         368         368         368           0           1
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993          XXX           0           0           0           0           0
10 1994          XXX         XXX           0           0           0           0
11 1995          XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 3H - SECTION 2 - OTHER LIABILITY - CLAIMS MADE
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3H - SECTION 2 - OTHER LIABILITY - CLAIMS MADE
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993          XXX           0           0           0           0           0
10 1994          XXX         XXX           0           0           0           0
11 1995          XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 3I             - SPECIAL PROPERTY
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1994          XXX         XXX         XXX         XXX         XXX         XXX
03 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3I             - SPECIAL PROPERTY
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR         XXX           0           0           0         XXX         XXX
02 1994          XXX         XXX           0           0         XXX         XXX
03 1995          XXX         XXX         XXX           0         XXX         XXX

SCHEDULE P - PART 3J             - AUTO PHYSICAL DAMAGE
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1994          XXX         XXX         XXX         XXX         XXX         XXX
03 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3J             - AUTO PHYSICAL DAMAGE
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR         XXX           0      14,430      13,540     137,759      44,487
02 1994          XXX         XXX     204,622     229,924     165,916      61,507
03 1995          XXX         XXX         XXX     274,803     124,861      47,640

SCHEDULE P - PART 3K             - FIDELITY, SURETY
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1994          XXX         XXX         XXX         XXX         XXX         XXX
03 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3K             - FIDELITY, SURETY
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR         XXX           0           0           0         XXX         XXX
02 1994          XXX         XXX           0           0         XXX         XXX
03 1995          XXX         XXX         XXX           0         XXX         XXX

SCHEDULE P - PART 3L             - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1994          XXX         XXX         XXX         XXX         XXX         XXX
03 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3L             - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR         XXX           0           0           0         XXX         XXX
02 1994          XXX         XXX           0           0         XXX         XXX
03 1995          XXX         XXX         XXX           0         XXX         XXX

SCHEDULE P - PART 3M             - INTERNATIONAL
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0           7          46          88         272         272
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3M             - INTERNATIONAL
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR         272         272         272         272         XXX         XXX
02 1986            0           0           0           0         XXX         XXX
03 1987            0           0           0           0         XXX         XXX
04 1988            0           0           0           0         XXX         XXX
05 1989            0           0           0           0         XXX         XXX
06 1990            0           0           0           0         XXX         XXX
07 1991            0           0           0           0         XXX         XXX
08 1992            0           0           0           0         XXX         XXX
09 1993          XXX           0           0           0         XXX         XXX
10 1994          XXX         XXX           0           0         XXX         XXX
11 1995          XXX         XXX         XXX           0         XXX         XXX

SCHEDULE P - PART 3N             - REINSURANCE A
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 1988          XXX         XXX           0           0           0           0
02 1989          XXX         XXX         XXX           0           0           0
03 1990          XXX         XXX         XXX         XXX           0           0
04 1991          XXX         XXX         XXX         XXX         XXX           0
05 1992          XXX         XXX         XXX         XXX         XXX         XXX
06 1993          XXX         XXX         XXX         XXX         XXX         XXX
07 1994          XXX         XXX         XXX         XXX         XXX         XXX
08 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3N             - REINSURANCE A
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 1988            0           0           0           0         XXX         XXX
02 1989            0           0           0           0         XXX         XXX
03 1990            0           0           0           0         XXX         XXX
04 1991            0           0           0           0         XXX         XXX
05 1992            0           0           0           0         XXX         XXX
06 1993          XXX           0           0           0         XXX         XXX
07 1994          XXX         XXX           0           0         XXX         XXX
08 1995          XXX         XXX         XXX           0         XXX         XXX

SCHEDULE P - PART 3O             - REINSURANCE B
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 1988          XXX         XXX           0           0           0           0
02 1989          XXX         XXX         XXX           0           0           0
03 1990          XXX         XXX         XXX         XXX           0           0
04 1991          XXX         XXX         XXX         XXX         XXX           0
05 1992          XXX         XXX         XXX         XXX         XXX         XXX
06 1993          XXX         XXX         XXX         XXX         XXX         XXX
07 1994          XXX         XXX         XXX         XXX         XXX         XXX
08 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3O             - REINSURANCE B
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 1988            0           0           0           0         XXX         XXX
02 1989            0           0           0           0         XXX         XXX
03 1990            0           0           0           0         XXX         XXX
04 1991            0           0           0           0         XXX         XXX
05 1992            0           0           0           0         XXX         XXX
06 1993          XXX           0           0           0         XXX         XXX
07 1994          XXX         XXX           0           0         XXX         XXX
08 1995          XXX         XXX         XXX           0         XXX         XXX

SCHEDULE P - PART 3P             - REINSURANCE C
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 1988          XXX         XXX           0           0           0           0
02 1989          XXX         XXX         XXX           0           0           0
03 1990          XXX         XXX         XXX         XXX           0           0
04 1991          XXX         XXX         XXX         XXX         XXX           0
05 1992          XXX         XXX         XXX         XXX         XXX         XXX
06 1993          XXX         XXX         XXX         XXX         XXX         XXX
07 1994          XXX         XXX         XXX         XXX         XXX         XXX
08 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3P             - REINSURANCE C
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 1988            0           0           0           0         XXX         XXX
02 1989            0           0           0           0         XXX         XXX
03 1990            0           0           0           0         XXX         XXX
04 1991            0           0           0           0         XXX         XXX
05 1992            0           0           0           0         XXX         XXX
06 1993          XXX           0           0           0         XXX         XXX
07 1994          XXX         XXX           0           0         XXX         XXX
08 1995          XXX         XXX         XXX           0         XXX         XXX

SCHEDULE P - PART 3Q             - REINSURANCE D
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0          32          49          80         346         346
02 1986            0          29          44          63         293         293
03 1987          XXX           0           0           0           6           6

SCHEDULE P - PART 3Q             - REINSURANCE D
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR         346         346         346         346         XXX         XXX
02 1986          293         293         293         293         XXX         XXX
03 1987            6           6           6           6         XXX         XXX

SCHEDULE P - PART 3R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0         124         219         308       1,168       1,168
02 1986            0           0           9          69         713         713
03 1987          XXX           0           0           0         427         427
04 1988          XXX         XXX           0           2         269         269
05 1989          XXX         XXX         XXX           0         168         168
06 1990          XXX         XXX         XXX         XXX          86          86
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR       1,168       1,168       1,168       1,168           0           0
02 1986          713         713         713         713           0           0
03 1987          427         427         427         427           0           0
04 1988          269         269         269         269           0           0
05 1989          168         168         168         168           0           0
06 1990           86          86          86          86           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993          XXX           0           0           0           0           0
10 1994          XXX         XXX           0           0           0           0
11 1995          XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 3R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS MADE
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS MADE
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0           0           0           0
09 1993          XXX           0           0           0           0           0
10 1994          XXX         XXX           0           0           0           0
11 1995          XXX         XXX         XXX           0           0           0

SCHEDULE P - PART 3S             - FINANCIAL GUARANTY/MORTGAGE GUARANTY
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1994          XXX         XXX         XXX         XXX         XXX         XXX
03 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 3S             - FINANCIAL GUARANTY/MORTGAGE GUARANTY
    1    CUMULATIVE PAID LOSSES AND ALLOCATED EXPENSES AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995   NUMBER OF   NUMBER OF
LOSSES WERE                                              CLMS CLOSED CLMS CLOSED
INCURRED                                                  WITH LOSS WITHOUT LOSS
                                                           PAYMENT     PAYMENT
01 PRIOR         XXX           0           0           0         XXX         XXX
02 1994          XXX         XXX           0           0         XXX         XXX
03 1995          XXX         XXX         XXX           0         XXX         XXX

SCHEDULE P - PART 4A             - HOMEOWNERS/FARMOWNERS
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR          39          10           0           0           0          25
02 1986          138          40          10           0           0          44
03 1987          XXX         139          40           0           0          50
04 1988          XXX         XXX         167           0           0          85
05 1989          XXX         XXX         XXX         217           0         154
06 1990          XXX         XXX         XXX         XXX         217         232
07 1991          XXX         XXX         XXX         XXX         XXX         497
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4A             - HOMEOWNERS/FARMOWNERS
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR           6           0           0           0
02 1986           30           0           0           0
03 1987           33           0           0           0
04 1988           44           0           0           0
05 1989           78           2          -5           6
06 1990           91           5          15           0
07 1991          107          14           4           0
08 1992          475          77          13           1
09 1993          XXX          72          30           6
10 1994          XXX         XXX          15           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 4B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR       2,671       7,750       4,632         137         120          55
02 1986        8,709       2,065       1,327         427         284         128
03 1987          XXX      14,571       5,216       2,767       1,145         573
04 1988          XXX         XXX      24,341       7,862       5,550       2,445
05 1989          XXX         XXX         XXX      42,368      15,689       6,418
06 1990          XXX         XXX         XXX         XXX      66,813      17,128
07 1991          XXX         XXX         XXX         XXX         XXX      63,813
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR          43          85          64           0
02 1986           51          57          -6         -10
03 1987          181         122           1          -1
04 1988          784         374         122         -10
05 1989        2,226         897         110          41
06 1990        5,049       1,702         201         208
07 1991       16,076       4,068       1,238         480
08 1992       70,431      18,032       5,363       1,560
09 1993          XXX      76,625      15,928       3,530
10 1994          XXX         XXX      93,102      22,772
11 1995          XXX         XXX         XXX     102,897

SCHEDULE P - PART 4C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         165         404         215          48          64           2
02 1986          424         263         188         134          32          52
03 1987          XXX         776         486         306         318          17
04 1988          XXX         XXX         711         699         464         113
05 1989          XXX         XXX         XXX       1,664         837         414
06 1990          XXX         XXX         XXX         XXX       2,222       1,083
07 1991          XXX         XXX         XXX         XXX         XXX       1,861
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR           6           0           0           0
02 1986           15           0           0           0
03 1987            4           0           0           0
04 1988           35          16           0           0
05 1989          109          74          31           0
06 1990          537         275           8         -20
07 1991        1,344         534         151          41
08 1992        2,381       1,522         694         132
09 1993          XXX       3,626       1,522         553
10 1994          XXX         XXX       2,413         969
11 1995          XXX         XXX         XXX       2,162

SCHEDULE P - PART 4D             - WORKERS' COMPENSATION
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR       9,251       7,982       3,755       3,667       2,694       1,696
02 1986       12,033      10,362       5,668       5,262       2,947       1,580
03 1987          XXX      29,130       9,394       8,735       6,276       2,508
04 1988          XXX         XXX      37,532      16,490      13,231       6,679
05 1989          XXX         XXX         XXX      37,036      21,197      11,753
06 1990          XXX         XXX         XXX         XXX      34,825      20,600
07 1991          XXX         XXX         XXX         XXX         XXX      31,028
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4D             - WORKERS' COMPENSATION
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR         862         842         909         779
02 1986          818         336         130         112
03 1987        1,728         470         228         337
04 1988        3,653       1,668         963         897
05 1989        7,114       3,164       1,775       1,723
06 1990       12,258       5,833       2,623       1,543
07 1991       17,469      10,819       3,869       1,995
08 1992       44,120      34,386      23,047       4,745
09 1993          XXX      62,287      62,034      51,928
10 1994          XXX         XXX      51,587      45,380
11 1995          XXX         XXX         XXX      21,909

SCHEDULE P - PART 4E             - COMMERICAL MULTIPLE PERIL
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4E             - COMMERICAL MULTIPLE PERIL
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 4F - SECTION 1 - MEDICAL MALPRACTICE - OCCURRENCE
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4F - SECTION 1 - MEDICAL MALPRACTICE - OCCURRENCE
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 4F - SECTION 2 - MEDICAL MALPRACTICE - CLAIMS MADE
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4F - SECTION 2 - MEDICAL MALPRACTICE - CLAIMS MADE
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 4G             - SPECIAL LIABILITY
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR          47          36          62          25           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           2           2
07 1991          XXX         XXX         XXX         XXX         XXX          21
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4G             - SPECIAL LIABILITY
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            1           0           0           0
08 1992           57           5           5           0
09 1993          XXX          54          48           0
10 1994          XXX         XXX          21           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 4H - SECTION 1 - OTHER LIABILITY - OCCURRENCE
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         805       1,228       1,846       2,463       1,441       2,165
02 1986        3,294       2,796       2,650       1,782           0           0
03 1987          XXX       1,621       1,490       1,350           0           0
04 1988          XXX         XXX       1,011         854           0           0
05 1989          XXX         XXX         XXX         643         100           0
06 1990          XXX         XXX         XXX         XXX         161         100
07 1991          XXX         XXX         XXX         XXX         XXX         144
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4H - SECTION 1 - OTHER LIABILITY - OCCURRENCE
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR       2,852       3,773       3,830       3,843
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991          100           0           0           0
08 1992          112          67           0           0
09 1993          XXX         100           7           7
10 1994          XXX         XXX         100         100
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 4H - SECTION 2 - OTHER LIABILITY - CLAIMS MADE
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4H - SECTION 2 - OTHER LIABILITY - CLAIMS MADE
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 4I             - SPECIAL PROPERTY
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1994          XXX         XXX         XXX         XXX         XXX         XXX
03 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4I             - SPECIAL PROPERTY
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR         XXX           0           0           0
02 1994          XXX         XXX           0           0
03 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 4J             - AUTO PHYSICAL DAMAGE
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1994          XXX         XXX         XXX         XXX         XXX         XXX
03 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4J             - AUTO PHYSICAL DAMAGE
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR         XXX      15,453       1,526         202
02 1994          XXX         XXX      17,555        -701
03 1995          XXX         XXX         XXX      15,150

SCHEDULE P - PART 4K             - FIDELITY, SURETY
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1994          XXX         XXX         XXX         XXX         XXX         XXX
03 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4K             - FIDELITY, SURETY
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR         XXX           5           0           0
02 1994          XXX         XXX           2           0
03 1995          XXX         XXX         XXX           2

SCHEDULE P - PART 4L             - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1994          XXX         XXX         XXX         XXX         XXX         XXX
03 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4L             - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR         XXX           0           0           0
02 1994          XXX         XXX           0           0
03 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 4M             - INTERNATIONAL
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR          14           3           3           3           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4M             - INTERNATIONAL
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 4N             - REINSURANCE A
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 1988          XXX         XXX           0           0           0           0
02 1989          XXX         XXX         XXX           0           0           0
03 1990          XXX         XXX         XXX         XXX           0           0
04 1991          XXX         XXX         XXX         XXX         XXX           0
05 1992          XXX         XXX         XXX         XXX         XXX         XXX
06 1993          XXX         XXX         XXX         XXX         XXX         XXX
07 1994          XXX         XXX         XXX         XXX         XXX         XXX
08 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4N             - REINSURANCE A
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 1988            0           0           0           0
02 1989            0           0           0           0
03 1990            0           0           0           0
04 1991            0           0           0           0
05 1992            0           0           0           0
06 1993          XXX           0           0           0
07 1994          XXX         XXX           0           0
08 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 4O             - REINSURANCE B
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 1988          XXX         XXX           0           0           0           0
02 1989          XXX         XXX         XXX           0           0           0
03 1990          XXX         XXX         XXX         XXX           0           0
04 1991          XXX         XXX         XXX         XXX         XXX           0
05 1992          XXX         XXX         XXX         XXX         XXX         XXX
06 1993          XXX         XXX         XXX         XXX         XXX         XXX
07 1994          XXX         XXX         XXX         XXX         XXX         XXX
08 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4O             - REINSURANCE B
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 1988            0           0           0           0
02 1989            0           0           0           0
03 1990            0           0           0           0
04 1991            0           0           0           0
05 1992            0           0           0           0
06 1993          XXX           0           0           0
07 1994          XXX         XXX           0           0
08 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 4P             - REINSURANCE C
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 1988          XXX         XXX           0           0           0           0
02 1989          XXX         XXX         XXX           0           0           0
03 1990          XXX         XXX         XXX         XXX           0           0
04 1991          XXX         XXX         XXX         XXX         XXX           0
05 1992          XXX         XXX         XXX         XXX         XXX         XXX
06 1993          XXX         XXX         XXX         XXX         XXX         XXX
07 1994          XXX         XXX         XXX         XXX         XXX         XXX
08 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4P             - REINSURANCE C
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 1988            0           0           0           0
02 1989            0           0           0           0
03 1990            0           0           0           0
04 1991            0           0           0           0
05 1992            0           0           0           0
06 1993          XXX           0           0           0
07 1994          XXX         XXX           0           0
08 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 4Q             - REINSURANCE D
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR          21          25          25          27           0           0
02 1986          150          93          99          96           0           0
03 1987          XXX           0           0           0           0           0

SCHEDULE P - PART 4Q             - REINSURANCE D
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0

SCHEDULE P - PART 4R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         123         113         121         334           0           0
02 1986          807         756         765         519           0           0
03 1987          XXX         439         417         398           0           0
04 1988          XXX         XXX         248         257           0           0
05 1989          XXX         XXX         XXX         120           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 4R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS MADE
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS MADE
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 4S             - FINANCIAL GUARANTY/MORTGAGE GUARANTY
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
LOSSES WERE
INCURRED
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1994          XXX         XXX         XXX         XXX         XXX         XXX
03 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 4S             - FINANCIAL GUARANTY/MORTGAGE GUARANTY
    1  BULK & INCURRED BUT NOT REPORTED RESERVES ON LOSSES & ALLOCATED EXPENSES
                            AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
LOSSES WERE
INCURRED
01 PRIOR         XXX           0           0           0
02 1994          XXX         XXX           0           0
03 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5A             - HOMEOWNERS/FARMOWNERS
SECTION 1
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0       1,428       1,435       1,436
02 1986           18          21          21         886         892         893
03 1987          XXX           2           2         897         909         909
04 1988          XXX         XXX           0       1,010       1,027       1,030
05 1989          XXX         XXX         XXX       1,127       1,478       1,493
06 1990          XXX         XXX         XXX         XXX       1,390       1,608
07 1991          XXX         XXX         XXX         XXX         XXX       1,169
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5A             - HOMEOWNERS/FARMOWNERS
SECTION 1
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR       1,436       1,436       1,436       1,436
02 1986          893         893         893         893
03 1987          909         909         910         910
04 1988        1,030       1,030       1,030       1,030
05 1989        1,497       1,498       1,498       1,498
06 1990        1,618       1,621       1,621       1,619
07 1991        1,334       1,350       1,350       1,348
08 1992        1,042       1,231       1,236       1,235
09 1993          XXX         656         734         734
10 1994          XXX         XXX         135         144
11 1995          XXX         XXX         XXX           2

SCHEDULE P - PART 5A             - HOMEOWNERS/FARMOWNERS
SECTION 2
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR          10           4           4           4           2           3
02 1986          125           7           3           3           1           1
03 1987          XXX         181          10           4           4           4
04 1988          XXX         XXX         183          11           1           2
05 1989          XXX         XXX         XXX         328          12           4
06 1990          XXX         XXX         XXX         XXX         240          10
07 1991          XXX         XXX         XXX         XXX         XXX         162
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5A             - HOMEOWNERS/FARMOWNERS
SECTION 2
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           3           3           3           3
02 1986            1           1           1           1
03 1987            4           4           4           4
04 1988            1           1           1           1
05 1989            2           1           3           3
06 1990            5           1           1           0
07 1991            9           9           1           0
08 1992          196           8           2           0
09 1993          XXX          71           1           0
10 1994          XXX         XXX          11           1
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5A             - HOMEOWNERS/FARMOWNERS
SECTION 3
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1986           68          76          76         941       1,253       1,253
03 1987          XXX          33          37         936       1,241       1,241
04 1988          XXX         XXX           2       1,023       1,409       1,410
05 1989          XXX         XXX         XXX       1,455       2,213       2,218
06 1990          XXX         XXX         XXX         XXX       2,464       2,536
07 1991          XXX         XXX         XXX         XXX         XXX       1,771
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5A             - HOMEOWNERS/FARMOWNERS
SECTION 3
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX
02 1986        1,253       1,253       1,253       1,253
03 1987        1,241       1,241       1,242       1,242
04 1988        1,410       1,410       1,410       1,410
05 1989        2,219       2,220       2,222       2,222
06 1990        2,543       2,545       2,545       2,543
07 1991        1,849       1,856       1,858       1,856
08 1992        1,617       1,668       1,671       1,669
09 1993          XXX         973       1,009       1,008
10 1994          XXX         XXX         185         189
11 1995          XXX         XXX         XXX           3

SCHEDULE P - PART 5B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
SECTION 1
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0      25,440      38,055      38,083
02 1986       21,016      29,804      30,987      36,839      36,998      37,062
03 1987          XXX      23,799      33,615      42,012      42,662      42,873
04 1988          XXX         XXX      30,202      51,838      54,565      55,399
05 1989          XXX         XXX         XXX      44,928      64,667      68,099
06 1990          XXX         XXX         XXX         XXX      53,811      79,117
07 1991          XXX         XXX         XXX         XXX         XXX      72,909
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
SECTION 1
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR      38,100      38,061      38,494      38,495
02 1986       37,089      37,101      37,109      37,100
03 1987       42,981      43,028      43,032      43,039
04 1988       55,672      55,813      55,870      55,928
05 1989       69,148      69,611      69,703      68,562
06 1990       83,193      84,430      84,869      82,962
07 1991      100,434     104,618     105,484     103,819
08 1992       80,679     111,190     115,893     116,932
09 1993          XXX      94,700     129,662     140,329
10 1994          XXX         XXX     118,979     169,472
11 1995          XXX         XXX         XXX     125,365

SCHEDULE P - PART 5B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
SECTION 2
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         345         488         226         246         144          82
02 1986       10,263       2,231         932         320         132          56
03 1987          XXX      12,369       2,806       1,032         440         185
04 1988          XXX         XXX      13,699       3,902       1,470         547
05 1989          XXX         XXX         XXX      21,046       4,631       1,546
06 1990          XXX         XXX         XXX         XXX      26,653       5,328
07 1991          XXX         XXX         XXX         XXX         XXX      27,156
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
SECTION 2
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR          46          28          18          28
02 1986           33          12           6           6
03 1987           92          28          11           6
04 1988          235          77          35          19
05 1989          633         172          80          57
06 1990        1,799         649         223         129
07 1991        5,089       1,628         629         332
08 1992       28,563       5,527       1,763         970
09 1993          XXX      35,331       7,031       3,442
10 1994          XXX         XXX      44,192      14,242
11 1995          XXX         XXX         XXX      56,402

SCHEDULE P - PART 5B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
SECTION 3
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1986       40,677      45,767      46,425      57,913      57,822     759,856
03 1987          XXX      44,574      50,689      64,753      65,035      65,161
04 1988          XXX         XXX      55,808      78,631      79,652      80,008
05 1989          XXX         XXX         XXX      88,800      98,580      99,736
06 1990          XXX         XXX         XXX         XXX     107,034     120,257
07 1991          XXX         XXX         XXX         XXX         XXX     135,934
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
SECTION 3
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX
02 1986       57,854      57,889      57,876      57,832
03 1987       65,231      65,283      65,290      65,289
04 1988       80,148      80,231      80,269      80,368
05 1989      100,175     100,352     100,398     100,527
06 1990      121,755     122,262     122,444     122,592
07 1991      151,019     152,883     153,452     149,564
08 1992      150,213     169,467     171,565     165,398
09 1993          XXX     182,440     206,784     198,897
10 1994          XXX         XXX     231,639     253,088
11 1995          XXX         XXX         XXX     242,031

SCHEDULE P - PART 5C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
SECTION 1
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0         838         838
02 1986          157         247         275         287         289         290
03 1987          XXX         331         561         610         630         639
04 1988          XXX         XXX         392         677         758         799
05 1989          XXX         XXX         XXX         557         865         963
06 1990          XXX         XXX         XXX         XXX         682       1,007
07 1991          XXX         XXX         XXX         XXX         XXX         786
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
SECTION 1
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         838         838         838         838
02 1986          291         292         292         292
03 1987          639         641         641         641
04 1988          811         816         818         818
05 1989          994       1,005       1,011       1,014
06 1990        1,072       1,106       1,133       1,135
07 1991        1,126       1,208       1,241       1,245
08 1992          930       1,229       1,297       1,322
09 1993          XXX         952       1,266       1,355
10 1994          XXX         XXX         837       1,192
11 1995          XXX         XXX         XXX       1,031

SCHEDULE P - PART 5C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
SECTION 2
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           4           2           1
02 1986           91          43          18           6           4           2
03 1987          XXX         297          92          36          17           4
04 1988          XXX         XXX         474         172          80          23
05 1989          XXX         XXX         XXX         448         163          67
06 1990          XXX         XXX         XXX         XXX         446         138
07 1991          XXX         XXX         XXX         XXX         XXX         412
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
SECTION 2
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           1           0           0           0
02 1986            1           0           0           0
03 1987            3           0           0           0
04 1988           10           4           0           0
05 1989           25          17           6           6
06 1990           56          29           4           5
07 1991          129          55          24          38
08 1992          386         132          50          75
09 1993          XXX         517         153         216
10 1994          XXX         XXX         411         431
11 1995          XXX         XXX         XXX         527

SCHEDULE P - PART 5C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
SECTION 3
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1986          316         381         384         387         387         387
03 1987          XXX         776         888         895         903         903
04 1988          XXX         XXX       1,061       1,197       1,205       1,206
05 1989          XXX         XXX         XXX       1,262       1,423       1,431
06 1990          XXX         XXX         XXX         XXX       1,465       1,653
07 1991          XXX         XXX         XXX         XXX         XXX       1,520
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
SECTION 3
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX
02 1986          387         387         387         387
03 1987          903         903         903         903
04 1988        1,206       1,207       1,206       1,206
05 1989        1,432       1,434       1,432       1,438
06 1990        1,660       1,667       1,673       1,676
07 1991        1,719       1,738       1,746       1,778
08 1992        1,646       1,822       1,838       1,895
09 1993          XXX       1,814       1,934       2,110
10 1994          XXX         XXX       1,569       2,099
11 1995          XXX         XXX         XXX       1,966

SCHEDULE P - PART 5D             - WORKERS' COMPENSATION
SECTION 1
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0      28,613      29,283      29,655
03 1987          XXX           0           0      29,417      30,590      31,290
04 1988          XXX         XXX           0      27,330      28,807      30,093
05 1989          XXX         XXX         XXX      21,021      30,026      31,953
06 1990          XXX         XXX         XXX         XXX      24,613      32,667
07 1991          XXX         XXX         XXX         XXX         XXX      22,184
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5D             - WORKERS' COMPENSATION
SECTION 1
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986       29,879      29,977      30,032      30,089
03 1987       31,726      31,921      32,032      32,114
04 1988       30,732      31,045      31,272      31,406
05 1989       33,228      33,789      34,176      34,403
06 1990       35,029      36,599      37,467      37,965
07 1991       30,139      32,487      34,160      35,123
08 1992       23,147      30,993      33,081      34,357
09 1993          XXX      23,421      32,621      34,355
10 1994          XXX         XXX      27,833      38,040
11 1995          XXX         XXX         XXX      23,054

SCHEDULE P - PART 5D             - WORKERS' COMPENSATION
SECTION 2
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0       4,250       2,735       1,524       1,421         446
02 1986        8,432       3,738       2,430       1,569         922         550
03 1987          XXX      10,649       3,886       2,760       1,653         967
04 1988          XXX         XXX      10,034       4,087       2,790       1,522
05 1989          XXX         XXX         XXX      10,929       4,516       2,715
06 1990          XXX         XXX         XXX         XXX      11,401       5,789
07 1991          XXX         XXX         XXX         XXX         XXX      12,126
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5D             - WORKERS' COMPENSATION
SECTION 2
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         245         183         150         122
02 1986          309         209         161         109
03 1987          533         353         240         175
04 1988          850         559         329         209
05 1989        1,458         908         545         330
06 1990        3,537       1,988       1,131         643
07 1991        6,110       3,796       2,133       1,176
08 1992       11,566       4,743       2,779       1,499
09 1993          XXX      11,759       4,103       2,449
10 1994          XXX         XXX      12,915       4,881
11 1995          XXX         XXX         XXX      10,549

SCHEDULE P - PART 5D             - WORKERS' COMPENSATION
SECTION 3
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1986            0           0           0      32,729      32,809      32,855
03 1987          XXX           0           0      34,840      35,015      35,101
04 1988          XXX         XXX           0      33,747      34,070      34,198
05 1989          XXX         XXX         XXX      33,737      37,191      37,518
06 1990          XXX         XXX         XXX         XXX      39,205      42,432
07 1991          XXX         XXX         XXX         XXX         XXX      36,723
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5D             - WORKERS' COMPENSATION
SECTION 3
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX
02 1986       32,881      32,894      32,908      32,916
03 1987       35,150      35,187      35,211      35,233
04 1988       34,263      34,316      34,339      34,360
05 1989       37,667      37,734      37,777      37,802
06 1990       42,754      42,898      42,967      43,008
07 1991       39,583      39,859      39,995      40,054
08 1992       37,014      38,995      39,234      39,336
09 1993          XXX      37,698      39,982      40,201
10 1994          XXX         XXX      43,487      46,533
11 1995          XXX         XXX         XXX      35,869

SCHEDULE P - PART 5E             - COMMERICAL MULTIPLE PERIL
SECTION 1
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           6           0           0          10          10          10
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5E             - COMMERICAL MULTIPLE PERIL
SECTION 1
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR          35          35          35           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5E             - COMMERICAL MULTIPLE PERIL
SECTION 2
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR          22          12           9           6           7           8
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           1           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5E             - COMMERICAL MULTIPLE PERIL
SECTION 2
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           4           4           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5E             - COMMERICAL MULTIPLE PERIL
SECTION 3
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5E             - COMMERICAL MULTIPLE PERIL
SECTION 3
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX
02 1986            0           2           2           1
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5F             - MEDICAL MALPRACTICE - OCCURRENCE
SECTION 1A
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5F             - MEDICAL MALPRACTICE - OCCURRENCE
SECTION 1A
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5F             - MEDICAL MALPRACTICE - CLAIMS MADE
SECTION 1B
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5F             - MEDICAL MALPRACTICE - CLAIMS MADE
SECTION 1B
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5F             - MEDICAL MALPRACTICE - OCCURRENCE
SECTION 2A
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5F             - MEDICAL MALPRACTICE - OCCURRENCE
SECTION 2A
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5F             - MEDICAL MALPRACTICE - CLAIMS MADE
SECTION 2B
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5F             - MEDICAL MALPRACTICE - CLAIMS MADE
SECTION 2B
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5F             - MEDICAL MALPRACTICE - OCCURRENCE
SECTION 3A
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5F             - MEDICAL MALPRACTICE - OCCURRENCE
SECTION 3A
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5F             - MEDICAL MALPRACTICE - CLAIMS MADE
SECTION 3B
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5F             - MEDICAL MALPRACTICE - CLAIMS MADE
SECTION 3B
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5H             - OTHER LIABILITY - OCCURRENCE
SECTION 1A
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           4           0           0           7           7           7
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           2           2
05 1989          XXX         XXX         XXX           0           1           1
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5H             - OTHER LIABILITY - OCCURRENCE
SECTION 1A
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR          11          31          40           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            2           2           2           2
05 1989            1           1           1           1
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5H             - OTHER LIABILITY - CLAIMS MADE
SECTION 1B
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5H             - OTHER LIABILITY - CLAIMS MADE
SECTION 1B
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5H             - OTHER LIABILITY - OCCURRENCE
SECTION 2A
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         349         421         494         287         189         155
02 1986            0           0           0           9           0           0
03 1987          XXX           0           0           5           0           0
04 1988          XXX         XXX           0           3           0           1
05 1989          XXX         XXX         XXX           0           0           1
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5H             - OTHER LIABILITY - OCCURRENCE
SECTION 2A
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         150         165         167         106
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            1           0           0           0
06 1990            1           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5H             - OTHER LIABILITY - CLAIMS MADE
SECTION 2B
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5H             - OTHER LIABILITY - CLAIMS MADE
SECTION 2B
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5H             - OTHER LIABILITY - OCCURRENCE
SECTION 3A
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1986            0           0           0          21          24          24
03 1987          XXX           0           0           5           7           7
04 1988          XXX         XXX           0           3           6           6
05 1989          XXX         XXX         XXX           0           2           3
06 1990          XXX         XXX         XXX         XXX           0           1
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5H             - OTHER LIABILITY - OCCURRENCE
SECTION 3A
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX
02 1986           24          24          24          24
03 1987            7           7           7           7
04 1988            6           4           4           4
05 1989            3           3           3           3
06 1990            1           2           2           2
07 1991            0           1           1           1
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5H             - OTHER LIABILITY - CLAIMS MADE
SECTION 3B
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5H             - OTHER LIABILITY - CLAIMS MADE
SECTION 3B
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5R             - PRODUCTS LIABILITY - OCCURRENCE
SECTION 1A
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5R             - PRODUCTS LIABILITY - OCCURRENCE
SECTION 1A
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5R             - PRODUCTS LIABILITY - CLAIMS MADE
SECTION 1B
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5R             - PRODUCTS LIABILITY - CLAIMS MADE
SECTION 1B
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5R             - PRODUCTS LIABILITY - OCCURRENCE
SECTION 2A
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0          61           0           0
02 1986            0           0           0           5           0           0
03 1987          XXX           0           0           2           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5R             - PRODUCTS LIABILITY - OCCURRENCE
SECTION 2A
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5R             - PRODUCTS LIABILITY - CLAIMS MADE
SECTION 2B
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5R             - PRODUCTS LIABILITY - CLAIMS MADE
SECTION 2B
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5R             - PRODUCTS LIABILITY - OCCURRENCE
SECTION 3A
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1986            0           0           0           5           9           9
03 1987          XXX           0           0           2           4           4
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5R             - PRODUCTS LIABILITY - OCCURRENCE
SECTION 3A
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX
02 1986            9           9           9           9
03 1987            4           4           4           4
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 5R             - PRODUCTS LIABILITY - CLAIMS MADE
SECTION 3B
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX         XXX         XXX
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5R             - PRODUCTS LIABILITY - CLAIMS MADE
SECTION 3B
    1    CUMULATIVE NUMBER OF CLAIMS REPORTED DIRECT AND ASSUMED AT YEAR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR         XXX         XXX         XXX         XXX
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 6C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
SECTION 1
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
SECTION 1
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX      13,652      13,273      13,273
10 1994          XXX         XXX      10,098       8,538
11 1995          XXX         XXX         XXX      10,973

SCHEDULE P - PART 6C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
SECTION 2
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6C             - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL
SECTION 2
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX       1,984       1,984       1,984
10 1994          XXX         XXX        -332        -332
11 1995          XXX         XXX         XXX        -546

SCHEDULE P - PART 6D             - WORKERS' COMPENSATION
SECTION 1
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6D             - WORKERS' COMPENSATION
SECTION 1
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX     466,746     470,985     470,149
10 1994          XXX         XXX     483,709     490,900
11 1995          XXX         XXX         XXX     316,271

SCHEDULE P - PART 6D             - WORKERS' COMPENSATION
SECTION 2
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6D             - WORKERS' COMPENSATION
SECTION 2
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX       4,731       4,768       4,761
10 1994          XXX         XXX       4,257       4,319
11 1995          XXX         XXX         XXX       2,720

SCHEDULE P - PART 6E             - COMMERICAL MULTIPLE PERIL
SECTION 1
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6E             - COMMERICAL MULTIPLE PERIL
SECTION 1
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 6E             - COMMERICAL MULTIPLE PERIL
SECTION 2
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6E             - COMMERICAL MULTIPLE PERIL
SECTION 2
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 6H             - OTHER LIABILITY - OCCURRENCE
SECTION 1A
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6H             - OTHER LIABILITY - OCCURRENCE
SECTION 1A
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 6H             - OTHER LIABILITY - CLAIMS MADE
SECTION 1B
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6H             - OTHER LIABILITY - CLAIMS MADE
SECTION 1B
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 6H             - OTHER LIABILITY - OCCURRENCE
SECTION 2A
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6H             - OTHER LIABILITY - OCCURRENCE
SECTION 2A
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 6H             - OTHER LIABILITY - CLAIMS MADE
SECTION 2B
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6H             - OTHER LIABILITY - CLAIMS MADE
SECTION 2B
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 6M             - INTERNATIONAL
SECTION 1
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6M             - INTERNATIONAL
SECTION 1
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 6M             - INTERNATIONAL
SECTION 2
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6M             - INTERNATIONAL
SECTION 2
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 6N             - REINSURANCE A
SECTION 1
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 1988          XXX         XXX           0           0           0           0
02 1989          XXX         XXX         XXX           0           0           0
03 1990          XXX         XXX         XXX         XXX           0           0
04 1991          XXX         XXX         XXX         XXX         XXX           0
05 1992          XXX         XXX         XXX         XXX         XXX         XXX
06 1993          XXX         XXX         XXX         XXX         XXX         XXX
07 1994          XXX         XXX         XXX         XXX         XXX         XXX
08 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6N             - REINSURANCE A
SECTION 1
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 1988            0           0           0           0
02 1989            0           0           0           0
03 1990            0           0           0           0
04 1991            0           0           0           0
05 1992            0           0           0           0
06 1993          XXX           0           0           0
07 1994          XXX         XXX           0           0
08 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 6N             - REINSURANCE A
SECTION 2
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 1988          XXX         XXX           0           0           0           0
02 1989          XXX         XXX         XXX           0           0           0
03 1990          XXX         XXX         XXX         XXX           0           0
04 1991          XXX         XXX         XXX         XXX         XXX           0
05 1992          XXX         XXX         XXX         XXX         XXX         XXX
06 1993          XXX         XXX         XXX         XXX         XXX         XXX
07 1994          XXX         XXX         XXX         XXX         XXX         XXX
08 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6N             - REINSURANCE A
SECTION 2
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 1988            0           0           0           0
02 1989            0           0           0           0
03 1990            0           0           0           0
04 1991            0           0           0           0
05 1992            0           0           0           0
06 1993          XXX           0           0           0
07 1994          XXX         XXX           0           0
08 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 6O             - REINSURANCE B
SECTION 1
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 1988          XXX         XXX           0           0           0           0
02 1989          XXX         XXX         XXX           0           0           0
03 1990          XXX         XXX         XXX         XXX           0           0
04 1991          XXX         XXX         XXX         XXX         XXX           0
05 1992          XXX         XXX         XXX         XXX         XXX         XXX
06 1993          XXX         XXX         XXX         XXX         XXX         XXX
07 1994          XXX         XXX         XXX         XXX         XXX         XXX
08 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6O             - REINSURANCE B
SECTION 1
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 1988            0           0           0           0
02 1989            0           0           0           0
03 1990            0           0           0           0
04 1991            0           0           0           0
05 1992            0           0           0           0
06 1993          XXX           0           0           0
07 1994          XXX         XXX           0           0
08 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 6O             - REINSURANCE B
SECTION 2
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 1988          XXX         XXX           0           0           0           0
02 1989          XXX         XXX         XXX           0           0           0
03 1990          XXX         XXX         XXX         XXX           0           0
04 1991          XXX         XXX         XXX         XXX         XXX           0
05 1992          XXX         XXX         XXX         XXX         XXX         XXX
06 1993          XXX         XXX         XXX         XXX         XXX         XXX
07 1994          XXX         XXX         XXX         XXX         XXX         XXX
08 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6O             - REINSURANCE B
SECTION 2
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 1988            0           0           0           0
02 1989            0           0           0           0
03 1990            0           0           0           0
04 1991            0           0           0           0
05 1992            0           0           0           0
06 1993          XXX           0           0           0
07 1994          XXX         XXX           0           0
08 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 6R             - PRODUCTS LIABILITY - OCCURRENCE
SECTION 1A
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6R             - PRODUCTS LIABILITY - OCCURRENCE
SECTION 1A
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 6R             - PRODUCTS LIABILITY - CLAIMS MADE
SECTION 1B
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6R             - PRODUCTS LIABILITY - CLAIMS MADE
SECTION 1B
    1  CUMULATIVE PREMIUMS EARNED DIRECT AND ASSUMED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 6R             - PRODUCTS LIABILITY - OCCURRENCE
SECTION 2A
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6R             - PRODUCTS LIABILITY - OCCURRENCE
SECTION 2A
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 6R             - PRODUCTS LIABILITY - CLAIMS MADE
SECTION 2B
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 6R             - PRODUCTS LIABILITY - CLAIMS MADE
SECTION 2B
    1        CUMULATIVE PREMIUMS EARNED CEDED AT YEAR END (000 OMITTED)
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 7A             - PRIMARY LOSS SENSITIVE CONTRACTS
    1         2           3           4           5           6           7
            TOTAL    NET LOSSES     LOSS                NET PREMIUMS    LOSS
SCH P    NET LOSSES  & EXPENSES   SENSITIVE  TOTAL NET   WRITTEN ON  SENSITIVE
PART     & EXPENSES  UNPAID ON       AS       PREMIUMS      LOSS         AS
  1        UNPAID   LOSS SENSITI PERCENTAGE   WRITTEN    SENSITIVE   PERCENTAGE
                     CONTRACTS    OF TOTAL               CONTRACTS    OF TOTAL
01                 0           0        .000           0           0        .000
02                 0           0        .000           0           0        .000
03                 0           0        .000           0           0        .000
04                 0           0        .000           0           0        .000
05                 0           0        .000           0           0        .000
06                 0           0        .000           0           0        .000
07                 0           0        .000           0           0        .000
08                 0           0        .000           0           0        .000
09                 0           0        .000           0           0        .000
10                 0           0        .000           0           0        .000
11                 0           0        .000           0           0        .000
12                 0           0        .000           0           0        .000
13                 0           0        .000           0           0        .000
14                 0           0        .000           0           0        .000
15                 0           0        .000           0           0        .000
16               XXX         XXX         XXX         XXX         XXX         XXX
17               XXX         XXX         XXX         XXX         XXX         XXX
18               XXX         XXX         XXX         XXX         XXX         XXX
19               XXX         XXX         XXX         XXX         XXX         XXX
20                 0           0        .000           0           0        .000
21                 0           0        .000           0           0        .000
22                 0           0        .000           0           0        .000
23                 0           0        .000           0           0        .000

SCHEDULE P - PART 7A             - PRIMARY LOSS SENSITIVE CONTRACTS
SECTION 2
    1  INCURRED LOSSES & ALLOCATED EXPENSES REPORTED AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 7A             - PRIMARY LOSS SENSITIVE CONTRACTS
SECTION 2
    1  INCURRED LOSSES & ALLOCATED EXPENSES REPORTED AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 7A             - PRIMARY LOSS SENSITIVE CONTRACTS
SECTION 3
    1  BULK & IBNR RESERVES FOR LOSSES & ALLOC EXPENSE AT YR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 7A             - PRIMARY LOSS SENSITIVE CONTRACTS
SECTION 3
    1  BULK & IBNR RESERVES FOR LOSSES & ALLOC EXPENSE AT YR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 7A             - PRIMARY LOSS SENSITIVE CONTRACTS
SECTION 4
    1          NET EARNED PREMIUMS REPORTED AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 7A             - PRIMARY LOSS SENSITIVE CONTRACTS
SECTION 4
    1          NET EARNED PREMIUMS REPORTED AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 7A             - PRIMARY LOSS SENSITIVE CONTRACTS
SECTION 5
    1  NET RESERVE FOR PREMIUM ADJMNTS & ACCRUED RETRO PREMIUMS  ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 7A             - PRIMARY LOSS SENSITIVE CONTRACTS
SECTION 5
    1  NET RESERVE FOR PREMIUM ADJMNTS & ACCRUED RETRO PREMIUMS  ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 7B             - REINSURANCE LOSS SENSITIVE CONTRACTS
    1         2           3           4           5           6           7
            TOTAL    NET LOSSES     LOSS                NET PREMIUMS    LOSS
SCH P    NET LOSSES  & EXPENSES   SENSITIVE  TOTAL NET   WRITTEN ON  SENSITIVE
PART     & EXPENSES  UNPAID ON       AS       PREMIUMS      LOSS         AS
  1        UNPAID   LOSS SENSITI PERCENTAGE   WRITTEN    SENSITIVE   PERCENTAGE
                     CONTRACTS    OF TOTAL               CONTRACTS    OF TOTAL
01                 0           0        .000           0           0        .000
02                 0           0        .000           0           0        .000
03                 0           0        .000           0           0        .000
04                 0           0        .000           0           0        .000
05                 0           0        .000           0           0        .000
06                 0           0        .000           0           0        .000
07                 0           0        .000           0           0        .000
08                 0           0        .000           0           0        .000
09                 0           0        .000           0           0        .000
10                 0           0        .000           0           0        .000
11                 0           0        .000           0           0        .000
12                 0           0        .000           0           0        .000
13                 0           0        .000           0           0        .000
14                 0           0        .000           0           0        .000
15                 0           0        .000           0           0        .000
16                 0           0        .000           0           0        .000
17                 0           0        .000           0           0        .000
18                 0           0        .000           0           0        .000
19                 0           0        .000         XXX         XXX         XXX
20                 0           0        .000           0           0        .000
21                 0           0        .000           0           0        .000
22                 0           0        .000           0           0        .000
23                 0           0        .000           0           0        .000

SCHEDULE P - PART 7B             - REINSURANCE LOSS SENSITIVE CONTRACTS
SECTION 2
    1  INCURRED LOSSES & ALLOCATED EXPENSES REPORTED AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 7B             - REINSURANCE LOSS SENSITIVE CONTRACTS
SECTION 2
    1  INCURRED LOSSES & ALLOCATED EXPENSES REPORTED AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 7B             - REINSURANCE LOSS SENSITIVE CONTRACTS
SECTION 3
    1  BULK & IBNR RESERVES FOR LOSSES & ALLOC EXPENSE AT YR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 7B             - REINSURANCE LOSS SENSITIVE CONTRACTS
SECTION 3
    1  BULK & IBNR RESERVES FOR LOSSES & ALLOC EXPENSE AT YR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 7B             - REINSURANCE LOSS SENSITIVE CONTRACTS
SECTION 4
    1          NET EARNED PREMIUMS REPORTED AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 7B             - REINSURANCE LOSS SENSITIVE CONTRACTS
SECTION 4
    1          NET EARNED PREMIUMS REPORTED AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 7B             - REINSURANCE LOSS SENSITIVE CONTRACTS
SECTION 5
    1  NET RESERVE FOR PREMIUM ADJMNTS & ACCRUED RETRO PREMIUMS  ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 7B             - REINSURANCE LOSS SENSITIVE CONTRACTS
SECTION 5
    1  NET RESERVE FOR PREMIUM ADJMNTS & ACCRUED RETRO PREMIUMS  ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 7B             - REINSURANCE LOSS SENSITIVE CONTRACTS
SECTION 6
    1      INCURRED ADJUSTABLE COMMISSIONS REPORTED YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 7B             - REINSURANCE LOSS SENSITIVE CONTRACTS
SECTION 6
    1      INCURRED ADJUSTABLE COMMISSIONS REPORTED YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0

SCHEDULE P - PART 7B             - REINSURANCE LOSS SENSITIVE CONTRACTS
SECTION 7
    1       RESERVES FOR COMMISSION ADJUSTMENTS AT YEAR END ($000 OMITTED)
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0           0           0
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           0           0           0
04 1988          XXX         XXX           0           0           0           0
05 1989          XXX         XXX         XXX           0           0           0
06 1990          XXX         XXX         XXX         XXX           0           0
07 1991          XXX         XXX         XXX         XXX         XXX           0
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 7B             - REINSURANCE LOSS SENSITIVE CONTRACTS
SECTION 7
    1       RESERVES FOR COMMISSION ADJUSTMENTS AT YEAR END ($000 OMITTED)
YEARS            8           9          10          11
IN WHICH       1992        1993        1994        1995
POLICIES
WERE ISSUED
01 PRIOR           0           0           0           0
02 1986            0           0           0           0
03 1987            0           0           0           0
04 1988            0           0           0           0
05 1989            0           0           0           0
06 1990            0           0           0           0
07 1991            0           0           0           0
08 1992            0           0           0           0
09 1993          XXX           0           0           0
10 1994          XXX         XXX           0           0
11 1995          XXX         XXX         XXX           0