GREAT AMERICAN INSURANCE COMPANY AND AFFILIATES
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      67,032      32,720      17,365
02 1986    1,888,343     378,876   1,509,468     860,190     156,786      80,042
03 1987    1,768,580     331,484   1,437,096     795,395     149,398      79,255
04 1988    1,656,831     275,788   1,381,043     828,878     139,581      69,382
05 1989    1,500,633     230,749   1,269,893     834,111     127,675      65,904
06 1990    1,575,067     236,376   1,338,691     885,070     160,922      70,142
07 1991    1,526,792     298,155   1,228,637     730,104     141,042      61,185
08 1992    1,580,184     359,695   1,220,489     775,877     197,882      58,640
09 1993    1,729,301     486,863   1,242,438     708,577     199,107      53,309
10 1994    2,080,910     704,623   1,376,287     902,129     337,236      47,205
11 1995    2,397,493     865,876   1,531,617     668,680     301,330      20,008
12 TOTAL         XXX         XXX         XXX   8,056,043   1,943,664     622,438

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       8,147       1,872       2,750      46,288         XXX     321,602
02 1986       18,361      24,996      68,336     833,422         XXX      19,312
03 1987       22,324      25,099      64,518     767,438         XXX      40,213
04 1988        8,999      27,710      64,507     814,188         XXX      65,409
05 1989        7,901      24,799      68,084     832,523         XXX      30,548
06 1990        7,929      25,483      65,171     851,540         XXX      32,892
07 1991        9,758      19,760      55,565     696,064         XXX      48,928
08 1992       13,571      20,700      57,245     680,309         XXX      69,033
09 1993       14,168      19,495      52,153     600,766         XXX     116,494
10 1994       18,044      16,289      50,902     644,955         XXX     252,319
11 1995        7,869      11,496      37,429     416,918         XXX     404,460
12 TOTAL     137,055     217,706     586,653   7,184,417         XXX   1,401,207

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     128,146     249,156     129,470      16,868       7,344      33,396
02 1986        5,807      18,480       4,741       2,203         558       2,807
03 1987       20,792      24,147      16,337       3,610       1,568       2,414
04 1988       27,709      16,425       1,997       9,047       3,633       3,416
05 1989        2,911      43,276      16,433       3,132         327      10,773
06 1990        4,784      53,338      16,986       5,170         529      12,843
07 1991        7,921      66,575      18,401       8,876       1,259      12,351
08 1992       13,533      91,777      32,060      11,395       1,235      16,110
09 1993       25,029     183,064      51,416      22,253       4,417      20,477
10 1994       77,077     188,879      40,626      36,296       8,271      24,879
11 1995      124,586     442,596      84,940      55,148      18,145      52,972
12 TOTAL     438,305   1,377,720     413,398     173,998      47,272     192,451

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      11,758           0      16,936     361,239         XXX         XXX
02 1986        1,018           0       2,282      32,960         XXX   1,056,505
03 1987        1,161           0       1,396      31,931         XXX   1,013,292
04 1988          621         619       1,259      61,587         XXX   1,059,742
05 1989        5,079       1,083       2,304      65,290         XXX   1,061,959
06 1990        4,552       1,764       4,558      81,943         XXX   1,133,771
07 1991        4,750       2,622       5,138     109,538         XXX     993,696
08 1992        6,391       4,389       6,889     141,985         XXX   1,093,374
09 1993        8,198       4,872      10,684     263,911         XXX   1,174,632
10 1994        6,847       8,695      17,408     386,968         XXX   1,528,088
11 1995       11,967      18,608      40,061     755,601         XXX   1,730,676
12 TOTAL      62,337      42,644     108,907   2,292,959         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      14,965
02 1986      190,124     866,381      55.949      50.181      57.396           0
03 1987      213,914     799,378      57.294      64.532      55.625           0
04 1988      183,960     875,782      63.962      66.703      63.415           0
05 1989      164,147     897,812      70.767      71.137      70.700           0
06 1990      200,289     933,482      71.982      84.733      69.731           0
07 1991      188,097     805,599      65.084      63.087      65.569           0
08 1992      271,079     822,295      69.193      75.364      67.374           0
09 1993      309,955     864,677      67.925      63.664      69.595           0
10 1994      496,166   1,031,922      73.434      70.416      74.979           0
11 1995      558,148   1,172,528      72.187      64.461      76.555           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX      14,965

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     298,177      48,106
02 1986            0        .000      27,243       5,717
03 1987            0        .000      27,231       4,700
04 1988            0        .000      52,119       9,468
05 1989            0        .000      54,487      10,802
06 1990            0        .000      64,459      17,483
07 1991            0        .000      89,180      20,358
08 1992            0        .000     115,216      26,776
09 1993            0        .000     223,121      40,790
10 1994            0        .000     323,496      63,464
11 1995            0        .000     637,531     118,071
12 TOTAL           0         XXX   1,912,260     365,735

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         146           2          73
02 1986       97,549       4,075      93,474      51,293         867       1,586
03 1987       82,482       3,757      78,732      41,047       1,097       1,152
04 1988       81,108       3,460      77,648      44,916       1,125         973
05 1989       85,239       3,337      81,902      65,850       6,352       2,004
06 1990       94,463       3,379      91,084      54,059       1,484       3,233
07 1991      101,629       4,040      97,581      62,352       1,763       3,166
08 1992       96,387       5,042      91,345      51,812       2,017       2,414
09 1993       91,769       6,577      85,201      55,429       3,030       2,272
10 1994       98,865      14,070      84,794      61,389       5,697       1,339
11 1995      106,813      16,636      90,184      52,096       7,938         678
12 TOTAL         XXX         XXX         XXX     540,390      31,372      18,896

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         130           3         220         XXX       1,201
02 1986           54       1,024       4,494      56,452      30,366           0
03 1987           34         660       4,114      45,183      21,691          33
04 1988           15         606       3,178      47,927      20,535          15
05 1989           23         685       4,080      65,559      28,587         118
06 1990            0       1,363       3,042      58,850      23,072         378
07 1991            0         922       3,234      66,996      26,554         703
08 1992            5         431       3,852      56,058      20,593       1,451
09 1993           51         409       5,099      59,718      22,188       2,449
10 1994          104         623       4,813      61,748      27,441       2,249
11 1995           66         251       3,498      48,267      22,479       8,652
12 TOTAL         351       7,103      39,416     566,979         XXX      17,257

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         253           5          13           0           0
02 1986            0          12           0           0           0           0
03 1987            0           0           0           1           0           0
04 1988            0          -1           0           0           0           0
05 1989            0         -11          -1          14           0           0
06 1990            0         -54          -3          41           0           0
07 1991            0         -33          -5          80           0           0
08 1992           55         -79          -6         152           0           0
09 1993            2        -114         -14         283           0           0
10 1994          156       1,079          64         275          18         110
11 1995          399       8,297         568       1,097          53       1,109
12 TOTAL         612       9,346         607       1,964          71       1,219

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          15       1,478          20         XXX
02 1986            0           0           0          12           0      57,473
03 1987            0           0           5          40           0      46,429
04 1988            0           2           3          18           0      49,137
05 1989            0          12           7         128           5      72,159
06 1990            0          52          25         394          10      60,884
07 1991            0          85          45         800          25      69,700
08 1992            0          96          80       1,564          49      59,855
09 1993            0         202         141       2,778          82      65,791
10 1994            7         278         201       3,676         155      71,818
11 1995           74         585       1,217      19,277       1,809      76,920
12 TOTAL          81       1,312       1,750      30,165       2,171         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         540
02 1986        1,010      56,463      58.917      24.785      60.405           0
03 1987        1,206      45,223      56.290      32.100      57.439           0
04 1988        1,192      47,945      60.582      34.451      61.747           0
05 1989        6,470      65,689      84.655     193.887      80.204           0
06 1990        1,639      59,245      64.453      48.505      65.044           0
07 1991        1,904      67,796      68.583      47.129      69.477           0
08 1992        2,234      57,621      62.099      44.308      63.081           0
09 1993        3,294      62,497      71.692      50.084      73.352           0
10 1994        6,402      65,416      72.642      45.501      77.147           0
11 1995        9,376      67,544      72.014      56.360      74.896           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX         540

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         910          28
02 1986            0        .000          12           0
03 1987            0        .000          33           6
04 1988            0        .000          14           3
05 1989            0        .000         106          22
06 1990            0        .000         328          66
07 1991            0        .000         674         126
08 1992            0        .000       1,323         233
09 1993            0        .000       2,346         424
10 1994            0        .000       3,107         569
11 1995            0        .000      15,981       3,296
12 TOTAL           0         XXX      24,834       4,773

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       1,254         610          29
02 1986      173,992       8,428     165,564     130,385       6,903       5,928
03 1987      148,109      13,393     134,716     103,569       5,835       4,206
04 1988      157,205      13,338     143,868     116,566      14,020       4,584
05 1989      163,451       6,208     157,242     118,864       6,055       5,303
06 1990      195,604       6,178     189,427     141,239       6,300       8,343
07 1991      175,298      41,974     133,324     108,513      22,225       4,583
08 1992      209,845      45,451     164,402     118,932      20,757       4,255
09 1993      256,547      75,493     181,054     136,263      38,088       4,874
10 1994      366,877     170,599     196,277     197,148     101,492       6,525
11 1995      462,930     250,215     212,714     130,353      79,286       2,157
12 TOTAL         XXX         XXX         XXX   1,303,077     301,565      50,796

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           7           5          26         691         XXX       4,031
02 1986          244       2,002       9,643     138,816      76,955           6
03 1987           90       1,759       9,904     111,762      70,372         227
04 1988          343       2,148      10,285     117,080      50,620          83
05 1989           78       2,387      11,137     129,172      48,495         836
06 1990          473       2,660      12,818     155,616      53,223       1,698
07 1991        1,305       2,214       6,561      96,126      37,227       2,138
08 1992        1,447       2,758       7,949     108,932      37,539       4,903
09 1993        2,345       2,693      10,641     111,351      50,563      10,954
10 1994        4,953       1,826      10,424     107,646      80,926      33,740
11 1995        1,773         955       7,111      58,561      99,955     108,181
12 TOTAL      13,069      21,396      96,498   1,135,738         XXX     166,786

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         556         838           0          96          87           0
02 1986            0         271         211           2           0           0
03 1987            0        -541           0          41           0           0
04 1988            0        -156           0           2           0           0
05 1989            0         -73           0          47           0           2
06 1990            8         282          -1         120           4           2
07 1991          238           5          -2         149          37           2
08 1992          111       4,657         402         291          12         194
09 1993        1,339       8,658         722         875         283         528
10 1994       12,227      18,023       6,448       3,717       2,529       1,007
11 1995       54,443      62,566      20,285      11,609       8,535       2,803
12 TOTAL      68,920      94,538      28,064      16,949      11,489       4,547

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          25       4,348          90         XXX
02 1986            0           0           1          69           0     146,968
03 1987            0           0           6        -268           3     118,075
04 1988            0           5           1         -69           4     132,003
05 1989            0          12          36         849          17     136,995
06 1990            0          57          74       2,165          38     165,337
07 1991            0         102          79       2,101          93     122,789
08 1992           12         291         423       9,936         179     142,060
09 1993           55         658       1,020      19,634         580     174,315
10 1994          144       1,473       2,336      37,484       2,845     273,869
11 1995          420       2,461       7,265     108,750      21,825     333,114
12 TOTAL         631       5,067      11,275     184,990      25,690         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       1,088
02 1986        8,083     138,885      84.468      95.907      83.886           0
03 1987        6,582     111,493      79.722      49.145      82.762           0
04 1988       14,991     117,012      83.969     112.393      81.333           0
05 1989        6,981     130,014      83.814     112.452      82.684           0
06 1990        7,548     157,789      84.526     122.175      83.298           0
07 1991       24,564      98,225      70.046      58.522      73.674           0
08 1992       23,191     118,869      67.698      51.024      72.304           0
09 1993       43,339     130,976      67.947      57.408      72.341           0
10 1994      128,741     145,128      74.649      75.464      73.940           0
11 1995      165,811     167,303      71.958      66.267      78.652           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX       1,088

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       3,227          34
02 1986            0        .000          66           3
03 1987            0        .000        -314          47
04 1988            0        .000         -72           3
05 1989            0        .000         764          86
06 1990            0        .000       1,973         192
07 1991            0        .000       1,908         193
08 1992            0        .000       9,047         890
09 1993            0        .000      17,551       2,083
10 1994            0        .000      33,096       4,388
11 1995            0        .000      96,020      12,730
12 TOTAL           0         XXX     163,266      20,649

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         382         379         500
02 1986      195,936      44,712     151,217     101,345      14,276       8,736
03 1987      184,857      32,154     152,703      94,139       8,743       6,529
04 1988      168,551      17,644     150,900     101,258      11,579      11,799
05 1989      162,200      14,008     148,192     112,994      16,433      13,155
06 1990      160,762      25,728     135,025     102,368      19,792      13,124
07 1991      144,347      27,913     116,435      69,258      11,998       7,542
08 1992      168,696      58,675     110,020      76,696      27,276      10,440
09 1993      180,225      62,670     117,554      75,873      24,849      11,173
10 1994      190,522      67,646     122,877      62,024      28,436       8,539
11 1995      170,318      50,245     120,073      22,333       3,582       1,812
12 TOTAL         XXX         XXX         XXX     818,666     167,335      93,337

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         329         751          -1         172         XXX      11,359
02 1986        1,080         568       8,752     103,477      20,280          57
03 1987          779         555       9,536     100,689      19,227         119
04 1988        1,976       1,283      10,213     109,706      20,426       1,755
05 1989        2,457         794      10,682     117,941      20,496       1,115
06 1990        4,173       1,102       9,636     101,164      17,698       2,432
07 1991        1,449         552       7,280      70,631      15,236       7,739
08 1992        4,520         542       6,885      62,217      15,083      12,319
09 1993        4,673         466       5,735      63,265      19,375      21,673
10 1994        5,194         540       4,469      41,400      23,185      42,392
11 1995          558         186       3,236      23,239      17,613      43,902
12 TOTAL      27,198       7,363      76,422     793,900         XXX     144,863

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       1,914       4,016       3,242          29          17          47
02 1986            0       3,281         524           1           0         102
03 1987           21       1,270         345           4           0         172
04 1988          857         506         583          74          12         233
05 1989          534         947         469          75          46         402
06 1990          918       3,270       1,526         253         107         301
07 1991        3,915       8,682       3,053       1,373         707       1,190
08 1992        5,604      12,821       5,341       1,333         414       1,474
09 1993        7,715      19,410       8,341       3,454         872       2,270
10 1994       16,740      23,812       8,083       4,199       1,202       2,796
11 1995       15,559      33,928       8,635       4,142       1,217       3,891
12 TOTAL      53,777     111,950      40,136      14,936       4,596      12,879

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          -3           0         103      10,393          78         XXX
02 1986           73           0           8       2,852           1     122,416
03 1987          102           0           2       1,099           4     111,960
04 1988          179           1          47         985          16     126,095
05 1989          345           5          39       1,183          25     139,739
06 1990          238          65         117       3,589          65     131,873
07 1991          750          78         338      10,897         105     103,773
08 1992          687         109         523      16,424         280     123,030
09 1993        1,263         179         994      29,618         736     141,133
10 1994        1,020         284       2,200      48,354       1,719     150,965
11 1995        1,169         500       3,450      62,732       4,381     117,237
12 TOTAL       5,830       1,230       7,828     188,111       7,427         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       4,858
02 1986       16,086     106,330      62.478      35.977      70.316           0
03 1987       10,171     101,789      60.566      31.632      66.658           0
04 1988       15,409     110,686      74.811      87.333      73.351           0
05 1989       20,616     119,123      86.152     147.173      80.384           0
06 1990       27,120     104,753      82.030     105.410      77.580           0
07 1991       22,247      81,526      71.891      79.701      70.018           0
08 1992       44,390      78,640      72.930      75.654      71.478           0
09 1993       48,249      92,884      78.309      76.989      79.014           0
10 1994       61,211      89,754      79.238      90.487      73.044           0
11 1995       31,263      85,974      68.834      62.221      71.601           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX       4,858

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       5,370         165
02 1986            0        .000       2,814          38
03 1987            0        .000       1,023          76
04 1988            0        .000         822         163
05 1989            0        .000       1,059         124
06 1990            0        .000       3,263         326
07 1991            0        .000       9,453       1,444
08 1992            0        .000      14,195       2,229
09 1993            0        .000      25,028       4,591
10 1994            0        .000      41,382       6,974
11 1995            0        .000      53,636       9,097
12 TOTAL           0         XXX     158,045      25,227

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      22,891       9,272       2,497
02 1986      237,729      16,309     221,419     161,992       6,614       5,968
03 1987      199,228      15,758     183,463     146,576       7,107       5,213
04 1988      248,334      30,466     217,868     167,663       9,622       6,490
05 1989      198,860      14,017     184,836     148,336      10,172       6,256
06 1990      178,732      17,916     160,816     134,508      14,477       5,971
07 1991      181,466      34,576     146,889     105,888      15,463       5,665
08 1992      176,694      42,914     133,779      89,290      20,368       5,238
09 1993      154,386      43,650     110,736      56,753      15,335       3,061
10 1994      151,189      30,794     120,395      40,161       9,297       1,399
11 1995      169,354      21,394     147,960      19,232       3,594         546
12 TOTAL         XXX         XXX         XXX   1,093,292     121,328      48,287

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         719         375       1,410      16,800         XXX     147,444
02 1986          496       3,288      15,204     176,054      48,928       9,094
03 1987          405       3,404      13,198     157,461      44,031       7,552
04 1988          439       3,552      14,359     178,443      43,908      57,110
05 1989          652       3,018      12,960     156,726      32,705      18,874
06 1990          929       2,938      11,340     136,413      28,317      13,213
07 1991        1,559       1,602      12,087     106,618      23,401      15,212
08 1992        1,989         960      11,070      83,242      21,335      16,306
09 1993        1,131         431       8,191      51,530      16,639      16,998
10 1994          256          37       5,661      37,669      14,573      18,783
11 1995           56          29       4,351      20,479      14,461      22,844
12 TOTAL       8,638      19,635     109,829   1,121,433         XXX     343,423

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      65,988      21,521       7,340       4,892       2,398           5
02 1986          970       1,342          35         352          44          12
03 1987          278       2,263           1         380          18           0
04 1988       25,590       2,086          -2       7,304       3,518           5
05 1989          667       3,905         567         677          47         118
06 1990        1,641       5,674         773         717         107         463
07 1991        2,465       7,254       1,785         785         177         652
08 1992        4,014       9,211       3,458         841         307         871
09 1993        3,959      20,548       5,071         797         304       1,321
10 1994        3,061      37,605       6,286         922         234       2,514
11 1995        3,109      65,182       5,793       1,448         207       4,011
12 TOTAL     111,743     176,610      31,107      19,113       7,376       9,980

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           4           0       3,866     101,997       1,640         XXX
02 1986           12           0         682      10,428         100     195,059
03 1987            0           0         354      10,260         116     175,868
04 1988            3         207         406      37,795         183     255,797
05 1989           17         576         750      23,026         183     192,260
06 1990           57         845       1,231      18,719         270     173,572
07 1991          178       1,001       1,352      20,650         338     149,646
08 1992          327       1,428       1,486      20,608         447     135,486
09 1993          460       1,223       2,466      32,328         545     111,527
10 1994          550       1,543       3,954      53,653         777     112,344
11 1995          504       2,159       7,103      90,975       1,588     125,948
12 TOTAL       2,119       8,984      23,657     420,425       6,228         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         538
02 1986        8,583     186,476      82.051      52.627      84.219           0
03 1987        8,150     167,718      88.275      51.720      91.418           0
04 1988       39,558     216,239     103.005     129.843      99.252           0
05 1989       12,513     179,747      96.681      89.270      97.247           0
06 1990       18,448     155,124      97.113     102.969      96.461           0
07 1991       22,378     127,268      82.465      64.721      86.642           0
08 1992       31,634     103,852      76.678      73.715      77.630           0
09 1993       27,669      83,858      72.239      63.388      75.728           0
10 1994       21,030      91,314      74.307      68.293      75.845           0
11 1995       14,486     111,462      74.370      67.711      75.333           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX         538

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      95,108       6,352
02 1986            0        .000       9,430         998
03 1987            0        .000       9,537         724
04 1988            0        .000      33,609       4,195
05 1989            0        .000      21,545       1,473
06 1990            0        .000      16,464       2,254
07 1991            0        .000      18,216       2,427
08 1992            0        .000      18,044       2,556
09 1993            0        .000      28,516       3,812
10 1994            0        .000      47,042       6,612
11 1995            0        .000      79,124      11,850
12 TOTAL           0         XXX     376,635      43,253

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   1,060,664   1,143,858   1,243,854   1,323,221   1,359,781   1,368,775
02 1986      996,962     940,712     914,288     855,986     839,789     821,391
03 1987          XXX     897,816     865,404     834,348     807,816     779,165
04 1988          XXX         XXX     888,741     871,868     882,353     879,166
05 1989          XXX         XXX         XXX     847,694     866,127     851,275
06 1990          XXX         XXX         XXX         XXX     902,268     901,393
07 1991          XXX         XXX         XXX         XXX         XXX     823,181
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   1,425,407   1,488,949   1,611,181   1,610,898        -283     121,949
02 1986      807,885     790,558     796,576     796,956         381       6,399
03 1987      767,030     737,698     733,648     734,752       1,106      -2,947
04 1988      861,281     850,662     822,822     810,647     -12,177     -40,007
05 1989      858,972     847,130     828,408     829,377         969     -17,761
06 1990      907,738     907,856     883,688     864,946     -18,750     -42,918
07 1991      826,474     820,667     772,148     745,636     -26,510     -75,031
08 1992      824,910     825,226     811,569     758,812     -52,759     -66,423
09 1993          XXX     825,818     815,305     802,036     -13,270     -23,782
10 1994          XXX         XXX     950,572     963,922      13,350         XXX
11 1995          XXX         XXX         XXX   1,095,114         XXX         XXX
12 TOTAL                                                    -107,941    -140,521

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     353,942     589,342     764,770     913,713   1,008,234
02 1986      267,214     457,608     555,832     634,900     685,281     717,476
03 1987          XXX     229,841     419,665     527,118     595,829     637,924
04 1988          XXX         XXX     243,546     444,703     548,694     619,236
05 1989          XXX         XXX         XXX     265,956     489,753     594,766
06 1990          XXX         XXX         XXX         XXX     328,235     517,117
07 1991          XXX         XXX         XXX         XXX         XXX     260,835
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   1,082,205   1,143,486   1,202,400   1,245,935         XXX         XXX
02 1986      736,633     749,728     759,647     765,093         XXX         XXX
03 1987      665,567     689,389     701,207     702,920         XXX         XXX
04 1988      670,784     703,145     740,140     749,688         XXX         XXX
05 1989      664,598     716,366     747,126     764,447         XXX         XXX
06 1990      636,891     702,627     753,817     786,369         XXX         XXX
07 1991      454,134     545,441     606,897     640,499         XXX         XXX
08 1992      273,002     473,953     570,337     623,064         XXX         XXX
09 1993          XXX     280,972     448,652     548,612         XXX         XXX
10 1994          XXX         XXX     340,423     594,053         XXX         XXX
11 1995          XXX         XXX         XXX     379,490         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     248,729     175,370     146,996     166,364     112,341      97,366
02 1986      481,350     312,557     227,854     132,033      92,240      60,397
03 1987          XXX     439,424     271,087     190,614     128,189      84,316
04 1988          XXX         XXX     372,277     221,777     172,155     139,160
05 1989          XXX         XXX         XXX     315,444     170,998     115,873
06 1990          XXX         XXX         XXX         XXX     321,720     182,771
07 1991          XXX         XXX         XXX         XXX         XXX     362,757
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      83,952      79,464     141,542     141,323
02 1986       37,335      16,337      17,156      15,537
03 1987       56,338      22,498      10,328       9,070
04 1988       95,471      72,856      29,864      17,222
05 1989       85,161      62,292      35,062      32,545
06 1990      132,268      96,345      66,124      44,642
07 1991      210,175     162,514      91,542      55,776
08 1992      334,504     190,542     140,815      69,437
09 1993          XXX     363,746     208,361     143,927
10 1994          XXX         XXX     332,760     166,288
11 1995          XXX         XXX         XXX     398,661

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         970         189       2,191
02 1986      240,615      29,957     210,665      77,222       6,393      17,540
03 1987      245,686      27,957     217,737      87,815       9,002      14,960
04 1988      244,676      22,602     222,066     103,672       7,417      17,154
05 1989      227,933      21,826     206,114     110,880      12,861      17,034
06 1990      242,666      20,707     221,951     113,721       8,001      18,761
07 1991      234,914      21,561     213,353     117,059      11,585      17,613
08 1992      211,142      23,520     187,628     112,300      15,752      15,128
09 1993      196,490      25,469     171,021      68,751       9,485      10,286
10 1994      223,459      37,281     186,176      90,718      12,561       7,761
11 1995      261,227      52,570     208,657      53,074      12,979       3,272
12 TOTAL         XXX         XXX         XXX     936,180     106,216     141,698

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           3          60          28       2,997         XXX       5,099
02 1986        1,744       2,403       7,624      94,249      14,278       1,117
03 1987          989       1,903       7,571     100,348      12,964       2,002
04 1988          867       6,415       7,901     120,444      14,427       2,732
05 1989        1,366       3,699       7,691     121,377      16,047       4,581
06 1990        1,101       2,828       8,245     131,632      16,552       7,318
07 1991        1,478       2,445       9,898     131,498      16,044       9,509
08 1992        1,103       3,794       9,758     120,330      14,717      17,232
09 1993          952         931       7,680      76,272      14,532      16,077
10 1994          894         661       6,095      91,127      16,704      26,818
11 1995          544       2,767       4,942      47,757      12,843      48,158
12 TOTAL      11,034      27,906      77,418   1,038,038         XXX     140,644

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          85       9,724         460       1,303          28       2,344
02 1986           11         915          34         364           4         160
03 1987            0         384          20         661           0         107
04 1988         -378        -328        -125         898           0          28
05 1989           70         697          45       1,508          23         370
06 1990          124       9,223       1,309       2,400          45       3,224
07 1991          343       7,353         855       3,124         113       2,731
08 1992          845      11,136       1,371       5,604         256       4,281
09 1993          956      13,604       1,795       5,212         275       4,849
10 1994        2,443      14,623       1,138       8,347         595       5,496
11 1995       10,450      34,701       3,118      14,045       2,123      12,341
12 TOTAL      14,958     102,033      10,022      43,474       3,462      35,936

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         146           0       1,061      18,814         151         XXX
02 1986           11           0         125       2,628          36     105,302
03 1987            7           0         161       3,288          37     113,571
04 1988            2         332         176       4,005          56     131,794
05 1989           53         358         393       7,349          96     142,879
06 1990          472         457       1,444      21,668         180     164,451
07 1991          353         725       1,434      22,487         281     168,704
08 1992          618       1,399       2,352      37,522         499     178,117
09 1993          677         922       2,455      38,493         777     129,510
10 1994          430       1,934       3,456      54,142       1,607     164,821
11 1995        1,045       3,426       6,873      99,391       3,133     179,089
12 TOTAL       3,815       9,567      19,955     309,785       6,886         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         444
02 1986        8,423      96,879      43.764      28.117      45.987           0
03 1987        9,935     103,636      46.226      35.537      47.597           0
04 1988        7,347     124,447      53.865      32.506      56.041           0
05 1989       14,153     128,726      62.685      64.845      62.454           0
06 1990       11,153     153,298      67.768      53.861      69.068           0
07 1991       14,710     153,994      71.815      68.225      72.178           0
08 1992       20,274     157,843      84.359      86.199      84.126           0
09 1993       14,737     114,773      65.912      57.862      67.110           0
10 1994       19,560     145,261      73.759      52.466      78.023           0
11 1995       31,941     147,148      68.557      60.759      70.521           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX         444

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      13,827       4,543
02 1986            0        .000       1,987         641
03 1987            0        .000       2,366         922
04 1988            0        .000       2,906       1,098
05 1989            0        .000       5,155       2,194
06 1990            0        .000      15,109       6,559
07 1991            0        .000      15,671       6,824
08 1992            0        .000      26,143      11,370
09 1993            0        .000      26,928      11,573
10 1994            0        .000      37,868      16,275
11 1995            0        .000      69,292      30,099
12 TOTAL           0         XXX     217,252      92,098

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       2,122       1,416           7
02 1986            8           0           8           0           0           0
03 1987            0           0           0           0          -1           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           1           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       2,122       1,417           7

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           6           0          -2         705         XXX       2,163
02 1986            0           0           0           0           0           0
03 1987            0           0           0           1           0           0
04 1988            0           0           1           0           0           0
05 1989            0           0           5           5           0           0
06 1990            0           0           0           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0           0           0          -1           0           0
09 1993            0           0           0           0           0           0
10 1994            0           0          -4          -4           0           0
11 1995            0           0          -2          -2           0           0
12 TOTAL           6           0          -1         705         XXX       2,163

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          31       1,384           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          31       1,384           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           1       3,525         107         XXX
02 1986            0           0           0           0           0           0
03 1987            0           0           0           0           0           0
04 1988            0           0           0           0           0           1
05 1989            0           0           0           0           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           0           1       3,525         107         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           -1           1        .000        .000        .000           0
04 1988            0           1        .000        .000        .000           0
05 1989            0           5        .000        .000        .000           0
06 1990            0           0        .000        .000        .000           0
07 1991            0           0        .000        .000        .000           0
08 1992            1          -1        .000        .000        .000           0
09 1993            0           0        .000        .000        .000           0
10 1994            4          -4        .000        .000        .000           0
11 1995            2          -2        .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       3,524           1
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       3,524           1

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          775         177         598           0          20         100
11 1995        1,764         435       1,320         177          21          48
12 TOTAL         XXX         XXX         XXX         177          40         148

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         191         270           6         668
11 1995            0           0         200         405          10         473
12 TOTAL           0           0         391         683         XXX       1,141

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           99           0           0         109           5           0
11 1995            0           0           0         146           5           0
12 TOTAL          99           0           0         256          10           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         673           5       1,067
11 1995            0           0           0         624           7       1,069
12 TOTAL           0           0           0       1,289          13         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          123         944     137.677      69.492     157.860           0
11 1995           40       1,029      60.601       9.195      77.955           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         569         104
11 1995            0        .000         473         142
12 TOTAL           0         XXX       1,042         246

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         213          25         111
02 1986       26,847       9,796      17,050      10,877       2,971       1,192
03 1987       27,165      10,333      16,832      14,638       5,997       1,216
04 1988       26,953       9,997      16,956      13,999       4,045       1,373
05 1989       26,822       9,543      17,280      18,323       6,943       1,550
06 1990       32,949      10,990      21,957      26,419      10,704       2,142
07 1991       40,572      13,499      27,073      25,775       8,812       2,278
08 1992       55,685      17,701      37,983      48,655      24,888       2,859
09 1993       73,083      24,753      48,330      40,243      13,218       3,121
10 1994       78,393      25,099      53,285      30,485       4,798       1,858
11 1995       76,959      21,275      55,682      15,229       3,559         933
12 TOTAL         XXX         XXX         XXX     244,853      85,958      18,632

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          69           8           2         233         XXX       1,944
02 1986          169       1,477         564       9,484         XXX         142
03 1987          312       1,850         675      10,212         XXX         121
04 1988          385       1,086         907      11,848         XXX         241
05 1989          286       1,797         960      13,603         XXX         368
06 1990          461       1,686       1,004      18,400         XXX         429
07 1991          418       1,417         948      19,764         XXX       1,053
08 1992          749       2,235       1,450      27,334         XXX       1,349
09 1993          641       3,734       2,060      31,565         XXX       4,840
10 1994          199       1,372       1,824      29,170         XXX      10,220
11 1995          140         167       1,218      13,674         XXX      13,557
12 TOTAL       3,836      16,837      11,603     185,296         XXX      34,280

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         228       1,361          85          23           1           0
02 1986            3          10           0           6           0           0
03 1987           10          36           0           4           0           1
04 1988            9          65          -4          13           0           2
05 1989           10          60          -9          23           1           4
06 1990           33         118          -9          30           1           5
07 1991          205         180         -19         134          11           6
08 1992           89        -250         -64         222          11           5
09 1993        1,322      -1,003        -183         734         217           2
10 1994        1,958      -1,299          17       1,053         140          75
11 1995        2,214       7,009         969       1,940         272       1,536
12 TOTAL       6,082       6,295         785       4,182         662       1,636

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          33       3,048          41         XXX
02 1986            0           0           2         158           0      12,827
03 1987            0           0           2         154           0      16,715
04 1988            0          15           4         321           0      16,649
05 1989            0          46           8         462           2      21,349
06 1990            0          72          11         575           5      30,227
07 1991            0         140          37       1,211          30      30,481
08 1992            0         291          45       1,336          30      54,468
09 1993            0         831         122       3,340         152      50,329
10 1994           45       1,470         204       8,100         427      44,672
11 1995          231       3,048         945      21,299         871      42,608
12 TOTAL         276       5,924       1,415      40,018       1,577         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         176
02 1986        3,177       9,650      47.778      32.432      56.598           0
03 1987        6,342      10,373      61.531      61.376      61.627           0
04 1988        4,473      12,176      61.770      44.743      71.809           0
05 1989        7,277      14,072      79.595      76.255      81.435           0
06 1990       11,252      18,975      91.739     102.384      86.419           0
07 1991        9,507      20,974      75.128      70.427      77.472           0
08 1992       25,790      28,678      97.814     145.698      75.502           0
09 1993       15,425      34,904      68.866      62.316      72.220           0
10 1994        7,402      37,270      56.985      29.491      69.945           0
11 1995        7,627      34,981      55.365      35.850      62.823           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX         176

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       2,816          56
02 1986            0        .000         150           8
03 1987            0        .000         145           7
04 1988            0        .000         301          20
05 1989            0        .000         428          34
06 1990            0        .000         531          44
07 1991            0        .000       1,045         166
08 1992            0        .000       1,074         262
09 1993            0        .000       2,706         641
10 1994            0        .000       6,953       1,147
11 1995            0        .000      17,383       3,916
12 TOTAL           0         XXX      33,532       6,301

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      30,701      12,471       8,847
02 1986      394,860     141,140     253,720     132,146      64,167      26,920
03 1987      330,279     101,879     228,401      97,254      33,962      17,972
04 1988      248,864      76,379     172,485      90,157      27,374      15,263
05 1989      191,025      69,810     121,215      45,893       9,862       7,969
06 1990      195,495      61,526     133,967      43,066      15,878       7,399
07 1991      186,528      49,655     136,873      47,025      11,986       7,894
08 1992      181,618      61,783     119,835      37,860      12,949       6,502
09 1993      219,054     103,713     115,349      35,244      18,308       7,284
10 1994      240,443     115,501     124,941      26,878      12,121       4,816
11 1995      298,327     140,253     158,074      10,435        -474       1,846
12 TOTAL         XXX         XXX         XXX     596,645     218,602     112,724

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       5,021         351       1,032      23,088         XXX     106,654
02 1986       10,196         644       5,477      90,179      11,538       4,781
03 1987        2,964         576       5,261      83,569       8,617       4,815
04 1988        1,697       1,883       6,976      83,326       6,650       2,218
05 1989         -920         143       6,085      51,014       5,399       1,978
06 1990       -1,801         798       4,204      40,602       4,821       2,814
07 1991          959         210       4,034      45,997       4,560       7,052
08 1992        1,239         109       3,295      33,468       5,876       6,373
09 1993        1,923          34       3,304      25,600       6,843      23,139
10 1994          936          19       3,341      21,978       8,340      29,672
11 1995          673           9       2,973      15,057       3,445      27,479
12 TOTAL      22,880       4,786      45,984     513,875         XXX     216,975

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      33,630     126,253      58,409       5,306       2,436      19,414
02 1986        2,111       8,698       2,969         900         273       1,931
03 1987        1,940       7,241       3,327       1,147         467       1,726
04 1988          642      12,778         991         643          62       2,761
05 1989          387      30,465      13,273         382          87       7,736
06 1990          181      27,181      11,834         750          20       7,250
07 1991          630      33,138      10,666       2,142         166       6,463
08 1992          780      42,617      18,529       1,638         177       7,837
09 1993        6,019      75,781      31,799       6,122       1,526       9,690
10 1994        8,420      65,951      14,162       6,777       1,470      10,828
11 1995        9,198     108,219      31,363       6,979       2,606      17,256
12 TOTAL      63,946     538,315     197,320      32,787       9,304      92,896

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       6,255           0       8,505     165,404       3,325         XXX
02 1986          762           0       1,021      11,226         138     182,711
03 1987          857           0         740       9,079          82     136,723
04 1988          269          13         355      16,805          74     131,600
05 1989        4,051          38         816      23,573          88     102,198
06 1990        3,363          22       1,093      23,682         125      94,847
07 1991        2,889          72       1,479      35,917         163     110,337
08 1992        3,923          26       1,470      36,527         315     108,909
09 1993        4,865           8       2,441      72,964       1,496     165,037
10 1994        3,814           9       2,870      88,231       3,306     152,455
11 1995        6,937          17       6,143     115,956       1,585     183,442
12 TOTAL      37,977         204      26,932     599,364      10,726         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       7,221
02 1986       81,299     101,412      46.272      57.602      39.970           0
03 1987       44,064      92,659      41.396      43.251      40.569           0
04 1988       31,468     100,132      52.880      41.200      58.053           0
05 1989       27,610      74,588      53.500      39.550      61.534           0
06 1990       30,572      64,275      48.516      49.690      47.978           0
07 1991       28,423      81,914      59.153      57.241      59.847           0
08 1992       38,918      69,991      59.966      62.991      58.406           0
09 1993       66,481      98,556      75.341      64.101      85.442           0
10 1994       42,246     110,209      63.406      36.576      88.209           0
11 1995       52,428     131,014      61.490      37.381      82.881           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX       7,221

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     133,647      24,528
02 1986            0        .000       8,400       2,825
03 1987            0        .000       6,789       2,290
04 1988            0        .000      13,370       3,436
05 1989            0        .000      18,776       4,796
06 1990            0        .000      17,971       5,701
07 1991            0        .000      28,887       7,030
08 1992            0        .000      29,673       6,845
09 1993            0        .000      61,102      11,862
10 1994            0        .000      73,048      15,192
11 1995            0        .000      95,121      20,828
12 TOTAL           0         XXX     486,784     105,333

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       28,619      13,637      14,982       2,093       1,006         606
03 1987       78,100      26,911      51,189      13,660       9,729       2,266
04 1988       78,766      22,134      56,631       8,305       2,162       1,876
05 1989       65,766      13,191      52,575      20,531       8,727       3,892
06 1990       73,175      15,049      58,118      50,066      10,259       2,177
07 1991       78,659      10,224      68,435       7,441         139       2,073
08 1992       93,711      11,248      82,463      20,582       3,327       2,069
09 1993      109,153       9,590      99,563       6,423         736       3,026
10 1994      129,444      12,185     117,259      31,432       3,718       2,358
11 1995      134,567      24,153     110,413       2,230       6,834         833
12 TOTAL         XXX         XXX         XXX     162,763      46,637      21,173

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          246           1           0       1,447         104           0
03 1987          769          20         668       6,096         446          11
04 1988          489           3         388       7,927         282           0
05 1989        1,726           4       1,021      14,991         263       1,210
06 1990          436           4       2,255      43,794         347       4,039
07 1991          202           0       1,301      10,474         476       5,076
08 1992          472           0       1,979      20,822         440       3,769
09 1993          105          72       1,369       9,986         571      16,525
10 1994           17           0       1,450      31,512         680      27,699
11 1995           35           0         608      -3,198         833      27,017
12 TOTAL       4,504         105      11,047     143,841         XXX      85,346

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            1           0           0          13           1           0
04 1988           28           0           0           0           7           0
05 1989          404           0           0         298         100           0
06 1990          480          37           5         776         119           4
07 1991          139       2,451          47       1,018          34          36
08 1992           15       4,841         127         701           3          90
09 1993        1,793      36,186         365       3,960         433         154
10 1994          144      19,133         570       6,696           4         301
11 1995        2,807      62,383       1,469       6,616         198       3,645
12 TOTAL       5,819     125,030       2,582      20,069         907       4,231

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       2,699
03 1987            0           0           2          24           2      16,568
04 1988            0           0          -1         -36           1      10,586
05 1989            0           0          49       1,054           7      27,044
06 1990            1           0         189       4,433          36      59,726
07 1991           14           0         255       8,602          58      19,695
08 1992           35           0         141       9,360          86      34,218
09 1993           61           0         792      54,964         146      68,553
10 1994           92           0       1,286      54,306         273      90,877
11 1995          376           0       1,564      96,376         799     105,424
12 TOTAL         579           0       4,286     229,084       1,425         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        1,252       1,447       9.431       9.181       9.658           0
03 1987       10,448       6,120      21.214      38.824      11.956           0
04 1988        2,695       7,891      13.440      12.176      13.934           0
05 1989       11,007      16,037      41.122      83.443      30.503           0
06 1990       11,498      48,228      81.621      76.404      82.983           0
07 1991          619      19,076      25.038       6.054      27.875           0
08 1992        4,036      30,182      36.514      35.882      36.601           0
09 1993        3,604      64,949      62.805      37.581      65.234           0
10 1994        5,051      85,826      70.206      41.453      73.194           0
11 1995       12,246      93,178      78.343      50.702      84.390           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          10          14
04 1988            0        .000         -28          -8
05 1989            0        .000         806         247
06 1990            0        .000       3,592         850
07 1991            0        .000       7,342       1,260
08 1992            0        .000       8,467         894
09 1993            0        .000      50,562       4,403
10 1994            0        .000      46,118       8,188
11 1995            0        .000      85,124      11,251
12 TOTAL           0         XXX     201,993      27,099

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      10,850       6,048       1,384
02 1994      309,665     106,955     202,711     218,030      87,484       6,587
03 1995      386,507     140,432     246,075     171,304      70,828       4,085
04 TOTAL         XXX         XXX         XXX     400,176     164,367      12,055

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         347         655          66       5,897         XXX       7,117
02 1994        1,644         909       4,926     140,407         XXX      55,559
03 1995        1,262         573       3,793     107,084         XXX      78,068
04 TOTAL       3,260       2,137       8,777     253,389         XXX     140,744

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       1,814       6,933       1,999         613         179         605
02 1994       28,763       1,821         297       3,352       1,382         242
03 1995       15,413      22,732       1,400       3,266         945       1,615
04 TOTAL      45,990      31,478       3,696       7,225       2,506       2,453

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         242         280         144      11,171       1,911         XXX
02 1994           52         350         614      31,086         157     291,728
03 1995          161         781       1,301      89,061       1,505     286,583
04 TOTAL         455       1,410       2,058     131,319       3,583         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          57
02 1994      120,237     171,491      94.208     112.418      84.599           0
03 1995       90,438     196,145      74.147      64.400      79.709           0
04 TOTAL         XXX         XXX         XXX         XXX         XXX          57

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      10,181         932
02 1994            0        .000      28,310       2,776
03 1995            0        .000      83,996       5,074
04 TOTAL           0         XXX     122,487       8,782

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        -654         -70         306
02 1994      220,419     103,150     117,270     138,068      69,394       4,437
03 1995      251,477     124,574     126,903     188,464     111,851       3,477
04 TOTAL         XXX         XXX         XXX     325,868     181,181       8,221

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          37       3,625         -11        -327         XXX       1,994
02 1994        3,308       9,022       5,931      75,733      84,625         924
03 1995        2,669       5,569       3,936      81,349     118,813      12,426
04 TOTAL       6,023      18,218       9,854     156,754         XXX      15,344

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           6       2,083          -5          65           2          35
02 1994          157         266         -55         123          49          64
03 1995        7,065       8,858       5,057       1,448       1,226         294
04 TOTAL       7,228      11,208       4,997       1,638       1,276         392

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           4         715         144       4,314         231         XXX
02 1994           28         737          51       1,251         476     150,042
03 1995           19       4,907         996      10,654       6,281     220,235
04 TOTAL          51       6,351       1,191      16,228       6,998         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       73,059      76,983      68.071      70.828      65.646           0
03 1995      128,224      92,011      87.577     102.930      72.505           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       4,076         239
02 1994            0        .000       1,089         163
03 1995            0        .000       9,163       1,492
04 TOTAL           0         XXX      14,328       1,894

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        -888        -224         196
02 1994       40,229       8,177      32,053       4,088       1,462         677
03 1995       41,692       8,761      32,931       3,418         935         161
04 TOTAL         XXX         XXX         XXX       6,619       2,173       1,033

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          82         936        -189        -739         XXX      -3,886
02 1994          245           1       1,022       4,072         XXX       1,277
03 1995           32          21       1,105       3,717         XXX      11,637
04 TOTAL         360         957       1,939       7,049         XXX       9,020

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      -1,629        -489         -79        -688        -366           0
02 1994        1,800        -329         -53         180         377           0
03 1995        2,915       9,522       1,521       1,682         413       1,406
04 TOTAL       3,087       8,696       1,381       1,174         423       1,406

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         523        -181      -3,169         418         XXX
02 1994            0         278         -86      -1,081         149       7,069
03 1995          223         328       1,735      20,902          85      31,157
04 TOTAL         223       1,130       1,461      16,643         653         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        4,079       2,990      17.572      49.884       9.328           0
03 1995        6,532      24,625      74.731      74.558      74.778           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      -2,676        -502
02 1994            0        .000        -799        -283
03 1995            0        .000      16,722       4,179
04 TOTAL           0         XXX      13,247       3,394

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         323         130           0
02 1994       12,044       4,995       7,049       1,680         793           0
03 1995       15,933       6,986       8,947          43         146           0
04 TOTAL         XXX         XXX         XXX       2,046       1,069           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          12         205         XXX         445
02 1994            0           0         108         996         XXX         372
03 1995            0           0          45         -57         XXX          44
04 TOTAL           0           0         166       1,144         XXX         871

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         169       1,003         421           0           0           0
02 1994          164       2,430         987           0           0           0
03 1995           20       7,151       1,790           0           0           0
04 TOTAL         353      10,592       3,197           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         859           0         XXX
02 1994            0           0           0       1,659           0       4,603
03 1995            0           0           0       5,386           0       7,286
04 TOTAL           0           0           0       7,904           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        1,947       2,656      38.218      38.979      37.679           0
03 1995        1,957       5,329      45.729      28.013      59.562           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         859           0
02 1994            0        .000       1,659           0
03 1995            0        .000       5,386           0
04 TOTAL           0         XXX       7,904           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         665         130           0
02 1986         -222          -9        -213           0           0           0
03 1987          154           3         151           0           0           0
04 1988          159           8         151           0           0           0
05 1989          -12          -1         -11           0           0           0
06 1990          -13          -1         -12           0           0           0
07 1991            2           0           2           0           0           0
08 1992           16           1          15           0           0           0
09 1993            3           0           3           0           0           0
10 1994            0           0           0           0           0           0
11 1995            0           0           0           0           0           0
12 TOTAL         XXX         XXX         XXX         665         130           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          38         573         XXX       2,978
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          38         573         XXX       2,978

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         676       1,374          59           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         676       1,374          59           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         317       3,934         312         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         317       3,934         312         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       3,617         317
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       3,617         317

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           62           2          60           0           0           0
07 1994          215          11         204           0           0           0
08 1995          213          19         194           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        1,990           0       1,990           0           0           0
02 1989          612       1,823      -1,211           0           0           0
03 1990          231           7         224           0           0           0
04 1991         -326          -8        -318           0           0           0
05 1992          134           0         134           0           0           0
06 1993          516           0         516           0           0           0
07 1994            0           0           0           0           0           0
08 1995           86           0          86           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         464           0         108
02 1986        1,995           0       1,995       1,832         224          13
03 1987        7,255       3,615       3,640      34,654      28,196      17,680
04 1988          XXX         XXX         XXX      36,950      28,420      17,801

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           4         576         XXX       2,619
02 1986            0           0           4       1,625         XXX         204
03 1987       15,082       2,447         359       9,414         XXX      19,264
04 1988       15,082       2,447         367      11,615         XXX      22,087

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       1,887           0         111           0          17
02 1986            0         178           0           0           0           0
03 1987       17,878      11,950      11,950         950         939           0
04 1988       17,878      14,015      11,950       1,061         939          17

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          87       4,721         XXX         XXX
02 1986            0           0          11         393         XXX          23
03 1987            0           0           0       1,397         XXX      84,857
04 1988            0           0          98       6,511         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          23       1.153        .000       1.153           0
03 1987       74,039      10,818   1,169.635   2,048.105     297.198           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       4,506         215
02 1986            0        .000         382          11
03 1987            0        .000       1,386          11
04 1988            0         XXX       6,274         237

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       6,978       7,598       2,911
02 1986      113,264      52,166      61,099      36,135      21,524       7,366
03 1987      108,076      37,961      70,115      13,892       7,913       3,383
04 1988       63,562      26,786      36,784      15,624      12,212       5,751
05 1989       39,864      19,537      20,336       8,677       5,284       1,812
06 1990       33,233      16,590      16,642       6,938       5,096       1,421
07 1991       24,228      14,297       9,930       2,317       1,596       1,939
08 1992       11,503       2,383       9,120       2,027         977       1,428
09 1993       19,070       8,228      10,843         743         979         555
10 1994       13,550       5,013       8,536        -146        -190         352
11 1995       16,280       5,880      10,400         259         131         155
12 TOTAL         XXX         XXX         XXX      93,446      63,134      27,067

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       1,948          13         227         572         XXX      33,200
02 1986        2,610         107       1,798      21,174       1,095       3,823
03 1987          509         145         171       9,017         706       6,025
04 1988        1,716         125      -2,031       5,417         390       1,214
05 1989        1,023         237         552       4,743         271         989
06 1990          943         755         916       3,236         364       2,070
07 1991        1,119       1,775         986       2,520         361         236
08 1992          368       1,941         600       2,703         275       1,049
09 1993          266       1,717         255         302         303       2,823
10 1994           74       1,287         427         747         252       1,258
11 1995           39         977         359         603         217       1,911
12 TOTAL      10,606       9,080       4,266      51,038         XXX      54,597

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      24,571      78,014      59,371       5,034       2,364      11,580
02 1986        2,710       3,321         956         560         235         573
03 1987          794       1,522         694         402         150         407
04 1988          827       1,496         567         105           3         387
05 1989          745       6,360       1,541          62          22       1,962
06 1990        2,007       6,969       1,309         295         217       1,507
07 1991           93       7,444       1,872          84          24       1,205
08 1992          314       5,933       2,659         334          28       1,339
09 1993        2,385       5,708       2,742         895         593       1,349
10 1994          530       5,545       2,527         369         144       1,413
11 1995          952      11,399       2,785         675         322       3,017
12 TOTAL      35,929     133,713      77,014       8,814       4,104      24,733

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       5,358           0       2,833      38,989         909         XXX
02 1986          158           0         422       4,639          66      54,068
03 1987          196           0         125       6,655          53      25,913
04 1988          168           2         283       1,920          38      21,768
05 1989          503           3         205       6,760          32      20,782
06 1990          367          76         419       7,360          40      20,577
07 1991          534          73         114       6,560          21      14,645
08 1992          774         258         224       5,105          43      13,294
09 1993          724         326         239       4,561          33      12,985
10 1994          653         322         313       5,045          36       9,757
11 1995          691         389       1,439      13,691          47      19,557
12 TOTAL      10,150       1,457       6,626     101,293       1,328         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          43
02 1986       28,253      25,815      47.736      54.160      42.251           0
03 1987       10,251      15,662      23.977      27.004      22.338           0
04 1988       14,432       7,336      34.247      53.879      19.943           0
05 1989        9,286      11,496      52.132      47.530      56.530           0
06 1990        9,982      10,595      61.917      60.169      63.664           0
07 1991        5,566       9,079      60.447      38.931      91.430           0
08 1992        5,487       7,807     115.570     230.256      85.603           0
09 1993        8,116       4,869      68.091      98.639      44.905           0
10 1994        3,964       5,793      72.007      79.074      67.866           0
11 1995        5,263      14,294     120.129      89.507     137.442           0
12 TOTAL         XXX         XXX         XXX         XXX         XXX          43

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      27,221      11,725
02 1986            0        .000       3,477       1,162
03 1987            0        .000       6,059         588
04 1988            0        .000       1,316         604
05 1989            0        .000       5,064       1,695
06 1990            0        .000       5,724       1,637
07 1991            0        .000       5,724         845
08 1992            0        .000       4,010       1,095
09 1993            0        .000       3,404       1,166
10 1994            0        .000       3,747       1,298
11 1995            0        .000       9,581       4,111
12 TOTAL           0         XXX      75,327      25,926

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        6,129       2,629       3,500           6           1           4
03 1987       14,443       3,545      10,898       1,981         263       1,657
04 1988       13,133       3,126       9,999       1,183         119         663
05 1989       10,082       2,163       7,927       1,274         377         592
06 1990        7,977       1,480       6,497       3,625       1,479         718
07 1991        9,569       2,044       7,525       1,107         823         268
08 1992        7,471       3,221       4,250         911         356         739
09 1993        3,863       2,707       1,155         815           7         246
10 1994        4,823       2,970       1,861         184         162         446
11 1995        3,054       2,033       1,021          38         120          13
12 TOTAL         XXX         XXX         XXX      11,141       3,715       5,346

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            1           0           0           8          12           0
03 1987           62           0         269       3,588         177           0
04 1988           85           0          95       1,728         125          14
05 1989           19           0         166       1,634         180           0
06 1990          238           0         329       2,956          89          50
07 1991          156           0         111         515         340         362
08 1992          351           0          27         970          83       1,114
09 1993            7           0         149       1,197          56         326
10 1994          207           0         230         490          85         687
11 1995           10           0          56         -23          41         106
12 TOTAL       1,147           0       1,439      13,071         XXX       2,668

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            9           0           0           6           4           0
05 1989            0           3           0           0           0           0
06 1990           50          11           4           4           4           2
07 1991            4          73          13          21           1           5
08 1992          628          58          22          36           7           9
09 1993           30         133          63          42           7          21
10 1994          415         204         154         173         110          26
11 1995           42         660         197          59          16          40
12 TOTAL       1,187       1,150         453         341         150         103

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          10
03 1987            0           0           0           0           2       3,914
04 1988            0           0           0           8           1       1,962
05 1989            0           0           0           3           0       2,035
06 1990            1           0           0           8           0       4,739
07 1991            3           0           4         442          10       1,957
08 1992            5           0           3         557           7       2,905
09 1993           12           0           6         417           9       1,755
10 1994           15           0           8         397          29       1,989
11 1995          110           0          27         527          22       1,013
12 TOTAL         146           0          49       2,376          87         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            2           8        .163        .076        .229           0
03 1987          326       3,588      27.100       9.196      32.923           0
04 1988          217       1,745      14.939       6.942      17.452           0
05 1989          397       1,638      20.184      18.354      20.664           0
06 1990        1,774       2,965      59.408     119.865      45.636           0
07 1991        1,000         957      20.451      48.924      12.718           0
08 1992        1,370       1,535      38.884      42.533      36.118           0
09 1993          133       1,622      45.431       4.913     140.433           0
10 1994        1,101         888      41.240      37.071      47.716           0
11 1995          501         512      33.170      24.643      50.147           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           6           3
05 1989            0        .000           3           0
06 1990            0        .000           7           1
07 1991            0        .000         417          25
08 1992            0        .000         522          36
09 1993            0        .000         367          50
10 1994            0        .000         314          83
11 1995            0        .000         526           0
12 TOTAL           0         XXX       2,162         198

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      17,744      19,951      19,263      20,039      21,195      20,809
02 1986       55,180      53,748      53,362      52,185      52,093      52,167
03 1987          XXX      40,595      42,420      41,320      41,547      41,740
04 1988          XXX         XXX      40,464      44,334      44,729      45,019
05 1989          XXX         XXX         XXX      57,862      62,009      61,867
06 1990          XXX         XXX         XXX         XXX      51,816      57,281
07 1991          XXX         XXX         XXX         XXX         XXX      59,715
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      20,261      20,093      19,995      20,092          97          -1
02 1986       51,848      51,893      51,968      51,970           3          78
03 1987       41,296      41,165      41,080      41,103          23         -62
04 1988       44,482      44,590      44,692      44,763          71         173
05 1989       61,173      61,171      61,405      61,601         188         421
06 1990       54,706      55,390      55,809      56,178         369         788
07 1991       61,866      63,053      64,025      64,509         484       1,456
08 1992       53,304      52,280      52,889      53,689         800       1,401
09 1993          XXX      56,932      55,215      57,256       2,041         324
10 1994          XXX         XXX      61,133      60,403        -731         XXX
11 1995          XXX         XXX         XXX      62,822         XXX         XXX
12 TOTAL                                                       3,353       4,594

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      62,976      72,487      78,311      79,892      79,156      79,017
02 1986      141,719     138,109     132,741     129,760     129,296     130,086
03 1987          XXX     112,118     104,000     102,789     103,468     102,205
04 1988          XXX         XXX     113,416     107,301     108,531     106,695
05 1989          XXX         XXX         XXX     125,171     120,344     114,748
06 1990          XXX         XXX         XXX         XXX     147,262     144,975
07 1991          XXX         XXX         XXX         XXX         XXX      96,513
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      77,833      79,748      80,005      80,737         731         989
02 1986      129,458     128,123     128,673     129,241         568       1,110
03 1987      101,458     101,961     102,061     101,583        -477        -378
04 1988      106,458     107,402     106,943     106,725        -219        -685
05 1989      116,449     118,293     118,963     118,849        -114         547
06 1990      144,548     146,029     147,663     144,898      -2,774      -1,131
07 1991       96,886      92,694      91,047      91,587         548      -1,108
08 1992      123,754     112,473     110,544     110,489         -56      -1,985
09 1993          XXX     116,974     119,343     119,317         -26       2,350
10 1994          XXX         XXX     135,279     132,369      -2,910         XXX
11 1995          XXX         XXX         XXX     152,934         XXX         XXX
12 TOTAL                                                      -4,738        -282

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     104,449     110,105     129,987     131,549     132,934     131,797
02 1986      105,164     105,670     100,336      98,667      98,247      96,935
03 1987          XXX      98,553      96,446      95,535      97,952      94,309
04 1988          XXX         XXX      95,920      96,841     101,268      99,097
05 1989          XXX         XXX         XXX     106,540     112,582     104,043
06 1990          XXX         XXX         XXX         XXX      97,761      90,188
07 1991          XXX         XXX         XXX         XXX         XXX      81,753
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     129,237     125,824     124,879     124,702        -176      -1,122
02 1986       96,418      95,817      96,207      97,568       1,361       1,751
03 1987       94,097      92,405      91,970      92,244         280        -161
04 1988      102,966     101,559     100,807     100,432        -368      -1,127
05 1989      113,265     114,302     111,008     108,394      -2,606      -5,908
06 1990      101,701      97,378      99,356      94,992      -4,364      -2,386
07 1991       79,413      85,046      81,934      73,910      -8,024     -11,136
08 1992       71,561      80,767      82,626      71,224     -11,402      -9,542
09 1993          XXX      95,283      90,257      86,150      -4,107      -9,133
10 1994          XXX         XXX      86,747      83,085      -3,662         XXX
11 1995          XXX         XXX         XXX      79,287         XXX         XXX
12 TOTAL                                                     -33,079     -38,759

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     423,883     456,177     488,741     503,893     506,395     512,146
02 1986      166,728     169,048     173,141     173,103     174,601     177,736
03 1987          XXX     132,985     148,475     151,317     156,840     159,869
04 1988          XXX         XXX     195,330     208,652     209,494     216,127
05 1989          XXX         XXX         XXX     140,852     159,823     165,859
06 1990          XXX         XXX         XXX         XXX     142,346     152,210
07 1991          XXX         XXX         XXX         XXX         XXX     115,501
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     511,837     519,008     545,775     542,514      -3,261      23,506
02 1986      176,215     170,441     170,722     171,774       1,050       1,332
03 1987      162,479     156,145     155,890     155,456        -435        -689
04 1988      218,608     214,324     204,235     202,105      -2,130     -12,227
05 1989      169,451     166,833     167,868     167,980         111       1,146
06 1990      151,640     147,641     144,871     143,746      -1,125      -3,895
07 1991      134,914     126,373     122,378     114,571      -7,807     -11,801
08 1992      101,475     105,117      99,758      91,937      -7,822     -13,180
09 1993          XXX      74,236      73,193      73,391         207        -837
10 1994          XXX         XXX      84,854      82,017      -2,836         XXX
11 1995          XXX         XXX         XXX     100,077         XXX         XXX
12 TOTAL                                                     -24,054     -16,637

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     154,903     185,497     204,261     222,075     216,973     220,540
02 1986      118,706     102,761      92,241      91,215      88,953      87,062
03 1987          XXX     112,925      98,809      94,736      93,109      96,573
04 1988          XXX         XXX     127,648     113,098     112,456     116,128
05 1989          XXX         XXX         XXX     128,411     125,324     118,908
06 1990          XXX         XXX         XXX         XXX     155,370     143,015
07 1991          XXX         XXX         XXX         XXX         XXX     162,856
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     222,922     226,281     236,332     238,179       1,846      11,898
02 1986       87,015      85,898      88,007      89,128       1,122       3,230
03 1987       97,855      95,415      94,155      95,911       1,756         488
04 1988      116,443     119,941     116,496     116,370        -126      -3,570
05 1989      121,606     121,295     120,567     120,641          73        -653
06 1990      143,270     142,966     142,475     143,602       1,127         644
07 1991      145,588     142,906     146,982     142,661      -4,322        -244
08 1992      160,642     138,997     140,812     145,733       4,922       6,736
09 1993          XXX     115,044     110,619     104,638      -5,981     -10,415
10 1994          XXX         XXX     126,946     135,717       8,763         XXX
11 1995          XXX         XXX         XXX     135,334         XXX         XXX
12 TOTAL                                                       9,172       8,120

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       1,643       1,840       2,146       2,144       2,172       2,154
02 1986            7           6           6           0           0           0
03 1987          XXX          12           0           1           1           1
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       2,248       2,221       4,127       4,606         471       2,376
02 1986            0           0           0           0           0           0
03 1987            1           1         -13           1          13           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0          -1           0           1           0
07 1991            0           0           0           0           0           0
08 1992            0          -1          -1          -1           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                                                         486       2,376

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         466         754         278         XXX
11 1995          XXX         XXX         XXX         829         XXX         XXX
12 TOTAL                                                         278           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      11,224      11,095      10,358      10,955      11,352      10,718
02 1986        9,160      10,190       9,588       8,999       9,121       8,976
03 1987          XXX       8,543      10,081       9,963       9,571       9,815
04 1988          XXX         XXX       8,957       9,756      11,097      11,247
05 1989          XXX         XXX         XXX      10,123      11,734      12,243
06 1990          XXX         XXX         XXX         XXX      12,060      16,720
07 1991          XXX         XXX         XXX         XXX         XXX      14,655
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      10,309      10,190       9,895      10,302         415         111
02 1986        8,935       9,043       8,988       9,084          96          41
03 1987        9,594       9,757       9,653       9,696          43         -62
04 1988       11,001      11,306      11,309      11,257         -52         -48
05 1989       12,328      12,774      13,079      13,106          27         324
06 1990       17,029      17,868      18,012      17,960         -52          92
07 1991       19,393      19,122      19,261      19,997         736         876
08 1992       21,453      27,308      27,097      27,175          78        -133
09 1993          XXX      26,966      31,754      32,723         969       5,757
10 1994          XXX         XXX      34,208      35,242       1,035         XXX
11 1995          XXX         XXX         XXX      32,810         XXX         XXX
12 TOTAL                                                       3,288       6,959

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     243,190     239,964     254,310     301,241     341,584     335,343
02 1986      193,279     172,744     171,415     128,094     124,411     109,530
03 1987          XXX     163,497     148,117     135,486     122,305     105,286
04 1988          XXX         XXX     105,452     115,913     115,632     108,454
05 1989          XXX         XXX         XXX      77,884      82,225      77,219
06 1990          XXX         XXX         XXX         XXX      78,898      83,250
07 1991          XXX         XXX         XXX         XXX         XXX      98,602
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     390,932     435,113     509,734     508,766        -977      73,653
02 1986      102,048      94,843      96,132      94,907      -1,225          64
03 1987      100,526      88,014      86,597      86,649          51      -1,367
04 1988      116,774     112,005      99,078      92,793      -6,285     -19,212
05 1989       77,245      72,807      65,546      67,687       2,139      -5,121
06 1990       76,876      81,138      64,957      58,986      -5,970     -22,152
07 1991       91,112      99,586      77,735      76,402      -1,324     -23,184
08 1992       76,583      92,563      82,156      65,222     -16,925     -27,341
09 1993          XXX      95,960      90,496      92,812       2,316      -3,147
10 1994          XXX         XXX      91,936     104,009      12,072         XXX
11 1995          XXX         XXX         XXX     121,897         XXX         XXX
12 TOTAL                                                     -16,128     -27,815

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         984         629         110         275         210         135
02 1986       10,441       7,154       6,777       4,409       3,224       2,204
03 1987          XXX      38,067      41,765      29,596      18,316      13,441
04 1988          XXX         XXX      46,121      33,159      31,539      28,778
05 1989          XXX         XXX         XXX      38,938      33,780      34,685
06 1990          XXX         XXX         XXX         XXX      54,594      50,313
07 1991          XXX         XXX         XXX         XXX         XXX      47,267
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         110          72          72          72           0           0
02 1986        1,766       1,494       1,496       1,447         -49         -47
03 1987       10,859       9,288       8,178       5,450      -2,729      -3,839
04 1988        9,477       8,080       7,217       7,496         279        -584
05 1989       30,466      23,537      15,678      14,975        -711      -8,570
06 1990       54,907      56,358      49,326      45,784      -3,534     -10,574
07 1991       46,880      44,143      21,752      17,511      -4,241     -26,633
08 1992       56,648      51,749      50,690      28,063     -22,627     -23,687
09 1993          XXX      68,578      68,999      62,780      -6,210      -5,797
10 1994          XXX         XXX      90,048      83,081      -6,967         XXX
11 1995          XXX         XXX         XXX      91,005         XXX         XXX
12 TOTAL                                                     -46,790     -79,722

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      42,265      42,538      40,728      -1,818      -1,536
02 1994          XXX         XXX     150,169     165,960      15,783         XXX
03 1995          XXX         XXX         XXX     191,053         XXX         XXX
04 TOTAL                                                      13,973      -1,536

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       8,223      10,383      10,225        -159       2,002
02 1994          XXX         XXX      70,706      71,002         295         XXX
03 1995          XXX         XXX         XXX      87,074         XXX         XXX
04 TOTAL                                                         134       2,002

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       3,345       8,155       1,757      -6,390      -1,580
02 1994          XXX         XXX       7,300       2,054      -5,246         XXX
03 1995          XXX         XXX         XXX      21,779         XXX         XXX
04 TOTAL                                                     -11,637      -1,580

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       2,381       2,508       1,704        -804        -684
02 1994          XXX         XXX       2,244       2,547         295         XXX
03 1995          XXX         XXX         XXX       5,284         XXX         XXX
04 TOTAL                                                        -509        -684

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       1,537       1,700       2,219       2,606       2,724       2,929
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       4,044       4,867       3,364       3,422          58      -1,445
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                                                          58      -1,445

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       1,266       2,087       2,667     244,582       4,389       4,710
02 1986        1,896       1,791       2,629       2,822       2,930       2,882
03 1987          XXX       6,560      10,174      10,460      10,521      10,452
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       5,597       5,513       5,812       7,971       2,159       2,458
02 1986        2,781       3,380       3,380       2,003      -1,377      -1,377
03 1987       10,453      10,453      10,451      10,452           1          -1
04 1988                                                          783       1,080

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      29,057      33,882      43,273      43,373      38,171      46,312
02 1986       46,602      45,029      43,208      38,710      29,607      27,200
03 1987          XXX      39,907      36,240      35,765      26,565      17,751
04 1988          XXX         XXX      40,173      17,153      20,886      20,622
05 1989          XXX         XXX         XXX      13,522      10,585      12,367
06 1990          XXX         XXX         XXX         XXX      10,761      13,868
07 1991          XXX         XXX         XXX         XXX         XXX       8,390
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      48,348      60,696      71,871      70,120      -1,750       9,425
02 1986       25,310      23,759      24,756      23,593      -1,162        -165
03 1987       12,272      11,468      12,125      15,367       3,242       3,899
04 1988        8,955      10,188      10,726       9,094      -1,640      -1,103
05 1989        8,682      10,361       8,448      10,737       2,289         376
06 1990       11,288      13,375      10,192       9,261        -930      -4,114
07 1991        6,221       9,424       7,300       7,988         688      -1,436
08 1992        3,117       6,747       6,224       6,984         752         237
09 1993          XXX       4,243       5,016       4,368        -648         133
10 1994          XXX         XXX       7,659       5,053      -2,606         XXX
11 1995          XXX         XXX         XXX      12,496         XXX         XXX
12 TOTAL                                                      -1,767       7,252

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         145         102         111          21          13           5
02 1986        2,528       2,161       1,609       1,281         788         365
03 1987          XXX      10,677       7,794      10,524      10,663      10,107
04 1988          XXX         XXX       6,162       8,023       8,587       7,992
05 1989          XXX         XXX         XXX       6,119       5,609       5,669
06 1990          XXX         XXX         XXX         XXX       4,195       3,990
07 1991          XXX         XXX         XXX         XXX         XXX       5,013
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           3           0           0           0           0           0
02 1986          203           7           7           8           1           1
03 1987        8,509       4,027       3,905       3,320        -594        -715
04 1988        7,636       2,720       1,653       1,642         -11      -1,078
05 1989        5,539       2,562       1,463       1,463           0      -1,090
06 1990        4,190       3,314       2,709       2,635         -73        -679
07 1991        5,529       1,853       1,162         843        -319      -1,010
08 1992        3,452       2,471       1,573       1,505         -69        -973
09 1993          XXX       1,905       1,504       1,458         -46        -439
10 1994          XXX         XXX         877         649        -220         XXX
11 1995          XXX         XXX         XXX         421         XXX         XXX
12 TOTAL                                                      -1,340      -5,984

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       7,291      12,784      15,440      16,940      17,927
02 1986       34,603      46,881      49,438      50,820      51,336      51,566
03 1987          XXX      25,634      36,694      39,173      40,522      41,004
04 1988          XXX         XXX      27,919      40,313      42,722      43,517
05 1989          XXX         XXX         XXX      40,466      56,104      58,397
06 1990          XXX         XXX         XXX         XXX      35,264      51,193
07 1991          XXX         XXX         XXX         XXX         XXX      41,867
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      18,184      18,346      18,413      18,630         367         104
02 1986       51,721      51,830      51,956      51,959      29,872         471
03 1987       41,101      41,043      41,024      41,069      21,381         301
04 1988       43,989      44,302      44,432      44,748      20,202         320
05 1989       59,563      60,235      61,175      61,472      28,059         526
06 1990       53,133      54,398      55,447      55,809      22,603         459
07 1991       56,862      61,522      62,955      63,762      26,014         519
08 1992       33,297      47,791      50,501      52,206      20,120         426
09 1993          XXX      38,614      51,150      54,619      20,060       2,051
10 1994          XXX         XXX      43,125      56,936      22,488       4,807
11 1995          XXX         XXX         XXX      44,761      17,416       3,252

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      41,308      59,494      69,117      73,667      74,402
02 1986       51,792      99,252     114,779     122,944     126,805     127,637
03 1987          XXX      38,885      75,106      88,905      97,093      99,765
04 1988          XXX         XXX      40,440      77,364      95,336     101,687
05 1989          XXX         XXX         XXX      43,193      92,435     104,211
06 1990          XXX         XXX         XXX         XXX      83,750     110,885
07 1991          XXX         XXX         XXX         XXX         XXX      28,672
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      74,947      75,004      75,755      76,420           6           1
02 1986      128,120     128,685     129,142     129,173      26,594       2,563
03 1987      100,775     101,410     101,656     101,857      21,244       2,793
04 1988      104,680     106,157     106,843     106,794      24,381       3,283
05 1989      111,159     115,581     117,620     118,035      38,477      10,008
06 1990      125,906     134,051     140,342     142,806      40,934      12,238
07 1991       57,808      76,964      85,677      89,565      31,384       5,697
08 1992       33,170      72,433      92,137     100,975      31,955       5,450
09 1993          XXX      38,275      79,236     100,703      40,278       9,581
10 1994          XXX         XXX      48,896      97,222      57,285      20,568
11 1995          XXX         XXX         XXX      51,449      59,087      19,052

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      49,056      78,504     101,334     110,333     113,464
02 1986       16,159      43,861      61,554      78,427      87,203      91,543
03 1987          XXX      15,016      40,859      60,388      76,438      83,200
04 1988          XXX         XXX      16,987      44,619      66,685      80,155
05 1989          XXX         XXX         XXX      21,040      49,807      75,919
06 1990          XXX         XXX         XXX         XXX      16,623      43,142
07 1991          XXX         XXX         XXX         XXX         XXX      14,968
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     114,742     115,152     114,239     114,412          84         196
02 1986       92,875      93,901      94,347      94,723      15,701       2,978
03 1987       88,362      90,141      90,976      91,155      14,858       2,790
04 1988       92,268      96,703      98,960      99,501      15,727       3,582
05 1989       90,958     101,975     106,210     107,259      15,995       4,478
06 1990       68,197      82,804      88,033      91,527      14,001       3,638
07 1991       37,916      50,284      58,254      63,351      11,896       3,219
08 1992       12,500      32,033      45,435      55,331      11,337       3,465
09 1993          XXX      13,374      31,868      57,530      13,297       5,339
10 1994          XXX         XXX      15,787      36,932      14,532       6,945
11 1995          XXX         XXX         XXX      20,004       9,633       3,602

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     126,994     212,941     276,660     317,842     353,995
02 1986       33,622      80,120     111,074     130,152     141,682     149,892
03 1987          XXX      27,525      74,063     101,779     117,903     128,789
04 1988          XXX         XXX      32,982      83,577     115,372     133,924
05 1989          XXX         XXX         XXX      29,200      75,078     106,275
06 1990          XXX         XXX         XXX         XXX      28,733      73,670
07 1991          XXX         XXX         XXX         XXX         XXX      23,237
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     376,108     389,542     406,450     421,839         293          87
02 1986      154,177     157,031     159,169     160,850      44,008         594
03 1987      135,531     139,943     142,664     144,270      38,978       1,023
04 1988      144,644     150,327     161,794     164,084      41,176       1,921
05 1989      123,247     132,965     139,362     143,758      31,557         962
06 1990       99,643     112,998     120,540     125,073      27,257         788
07 1991       58,913      79,877      90,889      94,531      22,288         774
08 1992       18,461      47,927      65,247      72,171      20,272         615
09 1993          XXX      12,174      31,361      43,340      15,649         437
10 1994          XXX         XXX      10,822      32,007      13,149         647
11 1995          XXX         XXX         XXX      16,129      12,162         711

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      64,223     110,816     152,932     182,593     198,378
02 1986       20,742      38,482      49,595      61,798      70,448      76,289
03 1987          XXX      23,354      46,705      59,012      69,554      78,853
04 1988          XXX         XXX      29,672      57,416      69,755      83,124
05 1989          XXX         XXX         XXX      30,117      62,077      79,167
06 1990          XXX         XXX         XXX         XXX      38,153      71,907
07 1991          XXX         XXX         XXX         XXX         XXX      47,163
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     206,924     211,484     217,457     220,426         562         295
02 1986       80,181      82,195      84,660      86,633      12,247       2,008
03 1987       86,374      89,327      91,741      92,776      11,133       1,807
04 1988       90,106     100,913     109,565     112,542      12,284       2,101
05 1989       89,731      99,517     108,485     113,686      13,784       2,169
06 1990       92,158     104,898     117,422     123,387      13,856       2,512
07 1991       83,701     100,647     113,968     121,601      13,191       2,583
08 1992       44,118      82,139      97,021     110,572      11,342       2,879
09 1993          XXX      33,199      55,173      68,600      10,675       3,076
10 1994          XXX         XXX      46,653      85,031      11,637       3,462
11 1995          XXX         XXX         XXX      42,814       7,728       1,987

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          52          80         130         172         172
02 1986            0           0           0           0           0           0
03 1987          XXX           0           0           1           1           1
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         171         173         375       1,082           0           0
02 1986            0           0           0           0           0           0
03 1987            1           1         -13           1           0           0
04 1988            0           0           0           0           0           0
05 1989            0           0           0           0           0           0
06 1990            0           0          -1           0           0           0
07 1991            0           0           0           0           0           0
08 1992            0          -1          -1          -1           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           9          80           1           0
11 1995          XXX         XXX         XXX         205           2           1

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       2,863       3,983       5,409       6,270       6,377
02 1986        3,613       7,733       8,206       8,517       8,710       8,727
03 1987          XXX       3,913       7,735       8,737       9,105       9,533
04 1988          XXX         XXX       3,490       8,224       9,524       9,896
05 1989          XXX         XXX         XXX       4,024      10,790      11,089
06 1990          XXX         XXX         XXX         XXX       5,611      13,776
07 1991          XXX         XXX         XXX         XXX         XXX       7,593
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       6,569       6,583       7,056       7,287         XXX         XXX
02 1986        8,805       8,897       8,843       8,928         XXX         XXX
03 1987        9,476       9,581       9,499       9,538         XXX         XXX
04 1988       10,216      10,341      10,915      10,942         XXX         XXX
05 1989       11,766      12,147      12,305      12,644         XXX         XXX
06 1990       15,369      16,770      17,404      17,396         XXX         XXX
07 1991       16,284      17,629      18,237      18,822         XXX         XXX
08 1992       13,463      23,401      24,679      25,884         XXX         XXX
09 1993          XXX      17,720      27,384      29,505         XXX         XXX
10 1994          XXX         XXX      13,466      27,346         XXX         XXX
11 1995          XXX         XXX         XXX      12,456         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      52,609      96,335     133,218     186,842     217,539
02 1986        3,519      14,769      32,009      48,902      61,597      69,972
03 1987          XXX       3,675      15,093      35,199      47,992      54,656
04 1988          XXX         XXX       1,736      17,060      27,805      40,636
05 1989          XXX         XXX         XXX       1,165       8,678      11,417
06 1990          XXX         XXX         XXX         XXX       1,121       4,014
07 1991          XXX         XXX         XXX         XXX         XXX      -4,800
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     252,058     293,062     329,821     351,869       4,282       4,464
02 1986       76,633      80,806      84,707      84,703       6,794       3,551
03 1987       63,963      73,893      77,808      78,309       5,601       2,317
04 1988       60,092      66,967      75,219      76,349       4,557       1,725
05 1989       26,525      37,383      42,272      44,921       3,706       1,603
06 1990       16,591      26,596      32,300      36,397       3,177       1,527
07 1991       11,305      21,572      33,568      41,963       3,038       1,367
08 1992        5,172      11,868      24,062      30,172       4,184       1,382
09 1993          XXX       3,241       9,961      22,288       3,943       1,411
10 1994          XXX         XXX         513      18,637       3,395       1,630
11 1995          XXX         XXX         XXX      12,083       1,055         806

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           4          28          58          71          71
02 1986           88         323         720       1,280       1,342       1,408
03 1987          XXX         189       3,460       3,630       5,595       6,734
04 1988          XXX         XXX       1,599       2,227       2,993       3,716
05 1989          XXX         XXX         XXX         727       2,497       5,667
06 1990          XXX         XXX         XXX         XXX         520       5,681
07 1991          XXX         XXX         XXX         XXX         XXX       1,827
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          71          72          72          72          12          18
02 1986        1,426       1,431       1,444       1,447          41          60
03 1987        6,583       7,818       7,880       5,428         191         252
04 1988        5,669       6,604       7,030       7,531         112         166
05 1989        7,681       9,727      12,388      13,970          87         168
06 1990       18,452      21,607      31,769      41,540         112         200
07 1991        3,096       5,488       6,411       9,164         124         294
08 1992          785       9,816      15,932      18,844         108         246
09 1993          XXX         159       5,010       8,608         148         276
10 1994          XXX         XXX       3,412      30,063          93         314
11 1995          XXX         XXX         XXX      -3,806          31           3

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      23,874      29,704         XXX         XXX
02 1994          XXX         XXX      93,049     135,489         XXX         XXX
03 1995          XXX         XXX         XXX     103,291         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       6,372       6,057       6,276         879
02 1994          XXX         XXX      62,796      69,802      67,842      15,834
03 1995          XXX         XXX         XXX      77,414      94,086      18,169

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       5,303       4,761         XXX         XXX
02 1994          XXX         XXX       1,670       3,050         XXX         XXX
03 1995          XXX         XXX         XXX       2,612         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         653         845         XXX         XXX
02 1994          XXX         XXX          64         888         XXX         XXX
03 1995          XXX         XXX         XXX        -102         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          67         459         882         882       1,037
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       1,388       1,503        -730        -195         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         315         497        -383         455         831
02 1986            0         288         437         629         712         731
03 1987          XXX        -127       3,519      10,460       9,591      10,390

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       1,937       2,523       2,765       3,337         XXX         XXX
02 1986        1,480       1,481       1,586       1,621         XXX         XXX
03 1987        8,386       9,318       9,160       9,055         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       7,403      13,031      15,562      22,298      27,329
02 1986          201       1,028       3,178       6,207      10,434      13,871
03 1987          XXX         199         908       2,104       2,641       4,538
04 1988          XXX         XXX       1,243       1,462       2,799       5,944
05 1989          XXX         XXX         XXX          50         731         930
06 1990          XXX         XXX         XXX         XXX         313        -320
07 1991          XXX         XXX         XXX         XXX         XXX        -110
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      31,999      34,756      33,611      33,965         182         785
02 1986       15,702      17,890      18,236      19,376         394         458
03 1987        4,488       6,199       8,146       8,845         268         270
04 1988        2,088       3,305       5,087       7,448         179         139
05 1989        2,097       3,196       3,628       4,182         127         117
06 1990         -696         817       1,083       2,320         218         109
07 1991         -869         426       1,174       1,542         223         120
08 1992          -98         290         980       2,103         162          73
09 1993          XXX         -64          35          47         206          65
10 1994          XXX         XXX         143         321         164          52
11 1995          XXX         XXX         XXX         244         138          33

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           6           7           7           9           9
03 1987          XXX          47         883       1,836       2,433       3,322
04 1988          XXX         XXX         168         425         835       1,370
05 1989          XXX         XXX         XXX          41         188       1,174
06 1990          XXX         XXX         XXX         XXX          44         915
07 1991          XXX         XXX         XXX         XXX         XXX         100
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            9           7           7           8           2          10
03 1987        3,321       3,403       3,403       3,320         120          56
04 1988        1,523       1,628       1,633       1,633          75          48
05 1989        1,454       1,466       1,455       1,460         118          64
06 1990        2,113       2,108       2,678       2,628          53          37
07 1991        1,066         144         359         397         278          50
08 1992          160         671         842         943          49          26
09 1993          XXX          69         204       1,047          34          14
10 1994          XXX         XXX           2         260          47           9
11 1995          XXX         XXX         XXX         -78          17           2

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       3,085       1,304         991       1,221         912         583
02 1986        9,976       2,681       1,560         451         420         312
03 1987          XXX       4,326       2,098         397         398         403
04 1988          XXX         XXX       4,019       1,278         749         728
05 1989          XXX         XXX         XXX      11,084       1,847       1,014
06 1990          XXX         XXX         XXX         XXX       7,350       2,022
07 1991          XXX         XXX         XXX         XXX         XXX       7,032
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         356         333         246         249
02 1986           13          17          12          12
03 1987           66          72          -4           0
04 1988          -56           9          -8          -1
05 1989          -86         -96         -32         -11
06 1990         -648         -17        -117         -51
07 1991          602         220        -144         -29
08 1992       12,777         517        -137         -72
09 1993          XXX       9,775         758        -100
10 1994          XXX         XXX      10,265       1,119
11 1995          XXX         XXX         XXX       8,764

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      10,036       4,499       2,863       1,978       1,094         390
02 1986       33,749      16,229       7,699       2,813         672       1,412
03 1987          XXX      26,545       9,109       3,645       1,749         609
04 1988          XXX         XXX      27,932       9,756       3,912         291
05 1989          XXX         XXX         XXX      31,287       8,771         -53
06 1990          XXX         XXX         XXX         XXX      28,937      11,707
07 1991          XXX         XXX         XXX         XXX         XXX      36,595
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           4         769         839         838
02 1986          743        -942        -561          60
03 1987         -130        -104        -113        -541
04 1988         -268         457        -166        -156
05 1989       -1,017        -168         -88         -71
06 1990        5,705       4,244       4,088         285
07 1991       18,906       6,534       1,654          10
08 1992       49,630      17,707       8,751       4,436
09 1993          XXX      36,118      17,687       8,408
10 1994          XXX         XXX      37,745      12,439
11 1995          XXX         XXX         XXX      44,665

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      21,465      12,438       9,658       6,889       4,069       3,232
02 1986       40,550      26,924      14,253       8,841       3,632       3,042
03 1987          XXX      41,817      24,445      15,037       9,560       4,552
04 1988          XXX         XXX      35,848      18,718      11,125       4,847
05 1989          XXX         XXX         XXX      34,652      19,949       6,184
06 1990          XXX         XXX         XXX         XXX      37,563      15,455
07 1991          XXX         XXX         XXX         XXX         XXX      40,301
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       2,427         506         684         823
02 1986        2,263       1,459       1,497       2,786
03 1987        2,561       1,008         506         995
04 1988        3,871       2,015         209         -22
05 1989        8,590       5,910       2,211         534
06 1990       14,453       4,643       5,497       1,807
07 1991       20,994      18,698      14,614       6,070
08 1992       30,574      25,542      21,313       8,267
09 1993          XXX      50,909      26,483      12,077
10 1994          XXX         XXX      35,933      17,505
11 1995          XXX         XXX         XXX      28,009

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      63,432      46,743      40,435      46,038      31,696      24,622
02 1986       75,366      38,207      22,256      14,745      11,732      10,360
03 1987          XXX      56,621      25,243      15,872      13,018      12,116
04 1988          XXX         XXX      72,605      33,848      22,745      22,978
05 1989          XXX         XXX         XXX      59,317      29,917      19,921
06 1990          XXX         XXX         XXX         XXX      61,946      34,560
07 1991          XXX         XXX         XXX         XXX         XXX      52,901
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      19,025      16,451      18,132      14,182
02 1986        7,485       1,811       1,684       1,308
03 1987       11,137       4,605       2,662       2,262
04 1988       21,841      16,686       2,767       2,091
05 1989       16,581      10,233       5,688       3,439
06 1990       21,512      12,613       7,355       5,308
07 1991       34,474      19,764      11,173       5,936
08 1992       50,748      29,031      15,265       6,299
09 1993          XXX      46,697      22,075      16,338
10 1994          XXX         XXX      58,857      33,291
11 1995          XXX         XXX         XXX      62,897

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      38,439      30,511      25,655      29,730      11,630       5,684
02 1986       71,661      42,254      22,243      12,664       7,659       4,505
03 1987          XXX      67,563      31,523      16,269       7,660       5,779
04 1988          XXX         XXX      63,356      33,308      18,108      14,148
05 1989          XXX         XXX         XXX      56,360      28,134      14,464
06 1990          XXX         XXX         XXX         XXX      73,887      29,172
07 1991          XXX         XXX         XXX         XXX         XXX      71,469
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       2,977       2,819      11,588      11,454
02 1986        1,305         594       1,031       1,029
03 1987        4,545       2,362         408         464
04 1988        9,236       6,476         463        -178
05 1989        7,889       6,233       2,105         967
06 1990       21,781      16,364      12,456      10,666
07 1991       29,894      19,724      16,739       8,876
08 1992       64,303      26,029      17,815      13,427
09 1993          XXX      57,408      31,395      15,979
10 1994          XXX         XXX      40,251      18,558
11 1995          XXX         XXX         XXX      42,880

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       1,455       1,377       1,399       1,409       1,409       1,395
02 1986            7           6           6           0           0           0
03 1987          XXX          12           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       1,395       1,392       1,384       1,384
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       2,942       2,703       2,701       2,474       2,543       2,056
02 1986        1,376         717         430         -63         110          71
03 1987          XXX       1,029         235         -35          54          75
04 1988          XXX         XXX       1,219         146         573         615
05 1989          XXX         XXX         XXX         745         -27          39
06 1990          XXX         XXX         XXX         XXX         116          77
07 1991          XXX         XXX         XXX         XXX         XXX         326
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       1,879       1,446       1,265       1,277
02 1986            4          11          10          10
03 1987           30          21          20          37
04 1988          459         595          92          70
05 1989          -49          65          62          73
06 1990         -179          82         159         131
07 1991           15         106         237         205
08 1992        1,002        -463        -421        -180
09 1993          XXX         110      -1,584        -819
10 1994          XXX         XXX         380      -1,279
11 1995          XXX         XXX         XXX       7,343

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      92,727      57,348      45,303      58,045      50,285      48,820
02 1986      166,956     129,845     115,171      60,578      48,669      28,957
03 1987          XXX     142,927     109,433      78,828      55,378      38,547
04 1988          XXX         XXX      91,590      79,396      70,470      56,065
05 1989          XXX         XXX         XXX      66,105      55,326      48,969
06 1990          XXX         XXX         XXX         XXX      71,965      68,818
07 1991          XXX         XXX         XXX         XXX         XXX      95,796
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      44,582      41,333      79,196      80,996
02 1986       17,479       8,297       8,166       6,898
03 1987       25,444       9,192       5,255       4,792
04 1988       46,024      39,646      21,531      14,287
05 1989       38,404      32,548      19,623      20,878
06 1990       45,388      45,240      27,073      19,226
07 1991       60,425      58,820      32,652      26,048
08 1992       61,088      57,085      44,699      28,002
09 1993          XXX      84,751      60,750      48,808
10 1994          XXX         XXX      78,677      58,810
11 1995          XXX         XXX         XXX      87,166

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         959         545          45         212         139          64
02 1986       10,098       6,305       5,546       3,013       1,839         787
03 1987          XXX      31,352      26,846      22,540      12,378       6,499
04 1988          XXX         XXX      33,022      23,518      22,443      20,773
05 1989          XXX         XXX         XXX      20,724      17,445      12,521
06 1990          XXX         XXX         XXX         XXX      12,289       6,732
07 1991          XXX         XXX         XXX         XXX         XXX      30,774
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          39           0           0           0
02 1986          340           0           0           0
03 1987        2,736       1,443          12           0
04 1988        1,702         307          12           0
05 1989        6,013         967          24           0
06 1990       11,731       2,355         128          35
07 1991       32,825      29,763       6,051       2,426
08 1992       41,298      28,740      27,864       4,768
09 1993          XXX      51,077      40,011      35,914
10 1994          XXX         XXX      44,763      18,773
11 1995          XXX         XXX         XXX      64,183

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      19,823       7,436       5,289
02 1994          XXX         XXX       9,086       1,713
03 1995          XXX         XXX         XXX      22,785

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       2,733       2,076       2,119
02 1994          XXX         XXX       3,385         357
03 1995          XXX         XXX         XXX       4,075

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       2,126       5,533        -410
02 1994          XXX         XXX       3,595        -276
03 1995          XXX         XXX         XXX       9,185

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       1,305       1,387         582
02 1994          XXX         XXX       2,027       1,442
03 1995          XXX         XXX         XXX       5,361

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         144          24          29          31          44          50
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         456         852       1,334       1,315
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         154           0           0         538       1,729         540
02 1986        1,505       2,519       2,670         961       1,045       1,071
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         545         539         749       1,904
02 1986        1,002       1,498       1,498         178
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      12,561      14,360      15,670      14,565       4,444       6,441
02 1986       44,852      41,972      36,272      27,042      15,634       9,568
03 1987          XXX      38,623      34,067      32,082      22,054      11,003
04 1988          XXX         XXX      24,863      14,390      14,927      10,648
05 1989          XXX         XXX         XXX      12,882       8,764       8,599
06 1990          XXX         XXX         XXX         XXX       9,729      12,355
07 1991          XXX         XXX         XXX         XXX         XXX       8,056
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       6,676      10,004      24,119      24,865
02 1986        6,498       3,492       3,366       2,780
03 1987        5,533       3,692       1,596       1,039
04 1988        4,921       4,153       4,393       1,148
05 1989        5,187       5,585       4,199       6,270
06 1990       10,206      10,268       7,511       6,801
07 1991        6,787       7,491       5,914       6,244
08 1992        3,278       5,249       3,713       3,832
09 1993          XXX       4,397       4,497       3,591
10 1994          XXX         XXX       7,236       3,771
11 1995          XXX         XXX         XXX      10,948

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         145         102           6          21          13           5
02 1986        2,528       2,155       1,486       1,267         775         356
03 1987          XXX      10,458       6,147       6,541       6,777       4,838
04 1988          XXX         XXX       5,831       6,511       6,247       6,059
05 1989          XXX         XXX         XXX       5,449       4,539       3,615
06 1990          XXX         XXX         XXX         XXX       3,652       1,549
07 1991          XXX         XXX         XXX         XXX         XXX       4,740
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           3           0           0           0
02 1986          194           0           0           0
03 1987        4,457         321           0           0
04 1988        5,873       1,065           0           0
05 1989        3,769       1,036           8           3
06 1990        1,552         502          31           8
07 1991        3,922       1,414         375          62
08 1992        2,768       1,056         108          40
09 1993          XXX         828         216          80
10 1994          XXX         XXX         561          61
11 1995          XXX         XXX         XXX         394

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         454         423         414
02 1986       25,315      29,541      29,747      29,815      29,844      29,855
03 1987          XXX      17,303      21,147      21,294      21,356      21,376
04 1988          XXX         XXX      15,928      19,958      20,113      20,157
05 1989          XXX         XXX         XXX      22,062      27,691      27,943
06 1990          XXX         XXX         XXX         XXX      17,222      22,246
07 1991          XXX         XXX         XXX         XXX         XXX      21,316
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         409         448         409         415
02 1986       29,863      29,869      29,872      29,872
03 1987       21,378      21,384      21,379      21,381
04 1988       20,175      20,190      20,198      20,202
05 1989       28,006      28,034      28,053      28,059
06 1990       22,476      22,562      22,592      22,603
07 1991       25,718      25,917      25,979      26,014
08 1992       15,906      19,869      20,073      20,120
09 1993          XXX      17,252      20,099      20,060
10 1994          XXX         XXX      20,617      22,488
11 1995          XXX         XXX         XXX      17,416

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           0         284         135          81          53          30
02 1986          617         210         103          56          29          13
03 1987          XXX         481         124          62          27          13
04 1988          XXX         XXX         487         114          66          35
05 1989          XXX         XXX         XXX         581         183          77
06 1990          XXX         XXX         XXX         XXX         660         210
07 1991          XXX         XXX         XXX         XXX         XXX         514
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          14          13          25          21
02 1986            8           5           0           0
03 1987            5           3           2           1
04 1988           22           9           6           0
05 1989           59          31          12           6
06 1990          108          47          20          11
07 1991          172          95          56          26
08 1992          390         184          75          50
09 1993          XXX       1,644         146          84
10 1994          XXX         XXX       1,715         155
11 1995          XXX         XXX         XXX       1,818

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       26,166      30,143      30,290      30,328      30,346      30,354
03 1987          XXX      17,926      21,542      21,649      21,684      21,694
04 1988          XXX         XXX      16,610      20,363      20,477      20,507
05 1989          XXX         XXX         XXX      22,837      28,262      28,449
06 1990          XXX         XXX         XXX         XXX      18,029      22,819
07 1991          XXX         XXX         XXX         XXX         XXX      22,048
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       30,361      30,365      30,367      30,368
03 1987       21,697      21,701      21,699      21,700
04 1988       20,530      20,535      20,545      20,544
05 1989       28,529      28,583      28,592      28,595
06 1990       23,006      23,050      23,067      23,074
07 1991       26,328      26,503      26,548      26,563
08 1992       16,480      20,398      20,579      20,602
09 1993          XXX      20,181      22,317      22,197
10 1994          XXX         XXX      26,637      27,450
11 1995          XXX         XXX         XXX      22,480

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         225         177         387
02 1986       17,819      23,207      23,932      24,172      24,262      24,524
03 1987          XXX      13,498      18,049      18,701      18,885      19,183
04 1988          XXX         XXX      13,964      18,432      18,997      19,359
05 1989          XXX         XXX         XXX      25,412      34,715      36,156
06 1990          XXX         XXX         XXX         XXX      28,746      37,072
07 1991          XXX         XXX         XXX         XXX         XXX      19,840
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       1,970         148         541         546
02 1986       26,325      26,340      26,760      26,464
03 1987       20,836      20,845      21,396      21,103
04 1988       20,924      20,977      21,567      21,359
05 1989       37,850      37,997      38,625      38,477
06 1990       39,550      40,009      40,979      40,934
07 1991       29,128      30,553      31,383      31,384
08 1992       21,344      30,634      31,433      31,955
09 1993          XXX      26,006      33,532      40,278
10 1994          XXX         XXX      30,861      57,285
11 1995          XXX         XXX         XXX      59,087

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          30         937         537         312         240          47
02 1986        4,004       1,115         411         147          76          30
03 1987          XXX       3,675       1,024         362         177          61
04 1988          XXX         XXX       3,672         996         429         184
05 1989          XXX         XXX         XXX       6,867       1,534         492
06 1990          XXX         XXX         XXX         XXX       6,273       1,700
07 1991          XXX         XXX         XXX         XXX         XXX       5,432
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          41          30          24          83
02 1986           25          13           7           0
03 1987           34          22           9           3
04 1988           93          48           7           5
05 1989          273         129          41          18
06 1990          684         294         102          40
07 1991        1,660         554         203          94
08 1992        5,882       1,634         468         180
09 1993          XXX       9,388       2,118         580
10 1994          XXX         XXX       9,360       2,855
11 1995          XXX         XXX         XXX      21,826

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       27,277      31,718      32,113      32,280      32,318      32,592
03 1987          XXX      23,132      27,233      27,918      28,012      28,270
04 1988          XXX         XXX      23,624      29,196      29,464      29,737
05 1989          XXX         XXX         XXX      39,566      45,512      46,069
06 1990          XXX         XXX         XXX         XXX      44,737      50,131
07 1991          XXX         XXX         XXX         XXX         XXX      28,996
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       34,639      34,643      35,284      34,934
03 1987       30,135      30,141      30,963      30,609
04 1988       31,442      31,451      32,337      32,100
05 1989       47,756      47,838      48,697      48,505
06 1990       51,957      52,082      53,347      53,232
07 1991       36,025      36,527      37,359      37,235
08 1992       30,815      37,365      37,535      37,549
09 1993          XXX      41,057      44,779      50,571
10 1994          XXX         XXX      52,132      80,927
11 1995          XXX         XXX         XXX      99,964

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         262         251         643
02 1986        9,793      12,724      13,203      13,503      13,629      14,632
03 1987          XXX       8,335      11,317      11,927      12,156      13,468
04 1988          XXX         XXX       8,660      12,326      12,980      14,135
05 1989          XXX         XXX         XXX       9,811      13,126      14,391
06 1990          XXX         XXX         XXX         XXX       8,258      11,393
07 1991          XXX         XXX         XXX         XXX         XXX       6,859
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         657         303         507         516
02 1986       15,208      15,216      15,667      15,666
03 1987       14,143      14,252      14,909      14,748
04 1988       14,802      14,909      15,593      15,419
05 1989       15,220      15,410      15,992      15,995
06 1990       13,055      13,401      14,026      14,001
07 1991       10,158      10,742      11,880      11,896
08 1992        6,761       9,578      11,106      11,337
09 1993          XXX       7,822      12,432      13,299
10 1994          XXX         XXX       9,993      14,532
11 1995          XXX         XXX         XXX       9,633

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          29       1,729         892         665         270         142
02 1986        2,796       1,054         601         258         102          55
03 1987          XXX       2,470         928         406         206         129
04 1988          XXX         XXX       3,128       1,023         446         284
05 1989          XXX         XXX         XXX       2,760       1,080         653
06 1990          XXX         XXX         XXX         XXX       2,652       1,542
07 1991          XXX         XXX         XXX         XXX         XXX       2,930
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          99          77          76          79
02 1986           26          12           2           1
03 1987           57          25          10           5
04 1988          114          52          32          17
05 1989          297         129          61          26
06 1990          724         272         119          67
07 1991        1,383         567         276         107
08 1992        3,219       1,097         553         282
09 1993          XXX       3,739       1,685         738
10 1994          XXX         XXX       4,624       1,718
11 1995          XXX         XXX         XXX       4,381

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       14,725      17,102      17,368      17,490      17,503      18,966
03 1987          XXX      13,001      15,505      15,821      15,886      17,733
04 1988          XXX         XXX      14,744      17,240      17,507      19,046
05 1989          XXX         XXX         XXX      15,225      17,625      19,060
06 1990          XXX         XXX         XXX         XXX      12,844      16,285
07 1991          XXX         XXX         XXX         XXX         XXX      11,379
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       19,608      19,615      20,272      20,284
03 1987       18,452      18,474      19,433      19,229
04 1988       19,683      19,700      20,677      20,436
05 1989       19,661      19,713      20,497      20,499
06 1990       17,392      17,346      17,794      17,708
07 1991       13,989      13,882      15,316      15,226
08 1992       11,661      13,268      15,015      15,093
09 1993          XXX      14,330      19,134      19,385
10 1994          XXX         XXX      19,204      23,195
11 1995          XXX         XXX         XXX      17,614

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         844         951       2,161
02 1986       31,780      41,440      42,454      43,055      43,352      43,488
03 1987          XXX      25,727      35,835      36,984      37,425      37,661
04 1988          XXX         XXX      26,809      35,307      36,268      36,699
05 1989          XXX         XXX         XXX      22,652      29,616      30,529
06 1990          XXX         XXX         XXX         XXX      19,227      25,405
07 1991          XXX         XXX         XXX         XXX         XXX      15,376
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       2,302       2,578       2,843       3,136
02 1986       43,544      43,587      43,649      43,668
03 1987       37,763      37,843      37,933      37,952
04 1988       36,932      37,059      37,183      37,232
05 1989       31,055      31,312      31,475      31,557
06 1990       26,433      26,895      27,126      27,257
07 1991       20,682      21,581      22,065      22,288
08 1992       13,957      19,031      19,900      20,272
09 1993          XXX      12,004      15,184      15,649
10 1994          XXX         XXX      10,235      13,149
11 1995          XXX         XXX         XXX      12,162

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         813       6,095       4,912       3,915       3,440       2,939
02 1986        5,052       2,319       1,393         767         461         276
03 1987          XXX       4,811       2,356       1,255         771         445
04 1988          XXX         XXX       5,752       2,375       1,432         826
05 1989          XXX         XXX         XXX       3,905       2,013       1,088
06 1990          XXX         XXX         XXX         XXX       4,048       1,748
07 1991          XXX         XXX         XXX         XXX         XXX       3,208
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       2,599       2,421       2,178       1,649
02 1986          195         147         120         102
03 1987          275         192         142         117
04 1988          497         357         231         184
05 1989          636         397         265         184
06 1990          980         578         383         271
07 1991        1,709         932         540         339
08 1992        2,722       1,409         793         448
09 1993          XXX       1,971         946         554
10 1994          XXX         XXX       1,434         786
11 1995          XXX         XXX         XXX       1,597

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       39,766      48,229      48,664      48,800      48,866      48,899
03 1987          XXX      33,394      43,351      43,833      43,955      43,996
04 1988          XXX         XXX      36,313      43,355      43,728      43,827
05 1989          XXX         XXX         XXX      26,937      32,241      32,523
06 1990          XXX         XXX         XXX         XXX      23,652      27,826
07 1991          XXX         XXX         XXX         XXX         XXX      18,991
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       48,833      48,844      48,920      48,929
03 1987       43,911      43,925      44,023      44,031
04 1988       43,815      43,837      43,899      43,908
05 1989       32,585      32,629      32,701      32,714
06 1990       28,125      28,214      28,293      28,317
07 1991       22,993      23,241      23,377      23,409
08 1992       16,992      20,956      21,290      21,343
09 1993          XXX      14,222      16,522      16,640
10 1994          XXX         XXX      12,054      14,581
11 1995          XXX         XXX         XXX      14,462

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           0           0           0       1,957       2,064       2,126
02 1986        7,892      10,941      11,498      11,834      12,004      12,099
03 1987          XXX       6,661       9,931      10,502      10,758      10,936
04 1988          XXX         XXX       7,745      11,116      11,671      11,928
05 1989          XXX         XXX         XXX       8,378      12,527      13,117
06 1990          XXX         XXX         XXX         XXX       8,650      12,603
07 1991          XXX         XXX         XXX         XXX         XXX       8,593
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       2,185       2,210       3,079       3,123
02 1986       12,158      12,196      12,751      12,247
03 1987       11,049      11,093      11,572      11,133
04 1988       12,090      12,190      12,671      12,284
05 1989       13,422      13,589      14,339      13,784
06 1990       13,216      13,513      14,119      13,856
07 1991       11,972      12,591      13,309      13,191
08 1992        7,080      10,403      11,262      11,342
09 1993          XXX       7,224      10,169      10,675
10 1994          XXX         XXX       8,431      11,637
11 1995          XXX         XXX         XXX       7,728

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           3       2,003       1,284         876         552         415
02 1986        1,580         877         602         377         226         135
03 1987          XXX       1,383         806         542         364         200
04 1988          XXX         XXX       1,587         780         555         388
05 1989          XXX         XXX         XXX       1,520         968         639
06 1990          XXX         XXX         XXX         XXX       1,974       1,055
07 1991          XXX         XXX         XXX         XXX         XXX       1,712
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         293         221         182         152
02 1986           90          66          48          37
03 1987          108          71          39          38
04 1988          245         141          71          58
05 1989          442         299         170          97
06 1990          682         419         232         180
07 1991        1,113         704         451         281
08 1992        1,628       1,036         694         500
09 1993          XXX       1,859       1,153         786
10 1994          XXX         XXX       2,634       1,617
11 1995          XXX         XXX         XXX       3,145

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       10,100      13,191      13,692      13,932      14,055      14,116
03 1987          XXX       8,562      11,932      12,453      12,365      12,775
04 1988          XXX         XXX      10,075      13,441      13,944      14,188
05 1989          XXX         XXX         XXX      10,628      15,021      15,572
06 1990          XXX         XXX         XXX         XXX      11,401      15,431
07 1991          XXX         XXX         XXX         XXX         XXX      11,079
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       14,169      14,225      14,827      14,292
03 1987       12,845      12,892      13,433      12,970
04 1988       14,291      14,360      14,870      14,442
05 1989       15,844      15,958      16,705      16,052
06 1990       16,064      16,281      16,871      16,555
07 1991       15,042      15,597      16,285      16,057
08 1992        9,743      13,825      14,710      14,720
09 1993          XXX      10,337      14,084      14,537
10 1994          XXX         XXX      12,757      16,714
11 1995          XXX         XXX         XXX      12,860

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           1
11 1995          XXX         XXX         XXX           2

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           2           7           7           6           6
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           3           3           1         107
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           2           6
11 1995          XXX         XXX         XXX           8

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           2           7
11 1995          XXX         XXX         XXX          11

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           0           0           0       4,445       4,640       4,741
02 1986        3,301       5,248       5,931       6,309       6,492       6,606
03 1987          XXX       2,612       4,309       4,829       5,154       5,194
04 1988          XXX         XXX       2,181       3,263       3,630       3,799
05 1989          XXX         XXX         XXX       2,104       3,078       3,304
06 1990          XXX         XXX         XXX         XXX       1,596       2,613
07 1991          XXX         XXX         XXX         XXX         XXX       1,435
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       4,837       4,905       4,868       4,932
02 1986        6,672       6,703       6,666       6,702
03 1987        5,279       5,408       5,426       5,461
04 1988        3,920       4,034       4,071       4,084
05 1989        3,490       3,633       3,691       3,706
06 1990        2,848       3,046       3,158       3,177
07 1991        2,395       2,810       2,991       3,038
08 1992        2,232       3,743       4,080       4,184
09 1993          XXX       1,861       2,917       3,943
10 1994          XXX         XXX       1,535       3,395
11 1995          XXX         XXX         XXX       1,055

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          10          12          12
02 1986            6          20          31          37          38          40
03 1987          XXX          36          64          89         100         177
04 1988          XXX         XXX          47          80          90         129
05 1989          XXX         XXX         XXX          40          53          83
06 1990          XXX         XXX         XXX         XXX          32          50
07 1991          XXX         XXX         XXX         XXX         XXX          52
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          12          12          12          12
02 1986           42          42          42          42
03 1987          172         174         249         192
04 1988          125         126         140         113
05 1989           84          87         112          88
06 1990           69          77          86         113
07 1991          121         144         104         124
08 1992          109          39          65         108
09 1993          XXX          14          64         148
10 1994          XXX         XXX          38          93
11 1995          XXX         XXX         XXX          31

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       1,254       2,823       2,509       1,869       1,632       1,611
02 1986        2,126       1,284         921         610         406         263
03 1987          XXX       1,473       1,010         634         472         298
04 1988          XXX         XXX       1,049         704         563         399
05 1989          XXX         XXX         XXX         826         622         535
06 1990          XXX         XXX         XXX         XXX         711         569
07 1991          XXX         XXX         XXX         XXX         XXX         559
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       1,855       1,972       2,171       3,335
02 1986          197         158         158         140
03 1987          204         148         120          84
04 1988          255         141         104          75
05 1989          372         221         144          88
06 1990          445         313         250         127
07 1991          530         450         298         164
08 1992          674         553         407         316
09 1993          XXX         992         670       1,496
10 1994          XXX         XXX         998       3,315
11 1995          XXX         XXX         XXX       1,588

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           4           5           3           1           0           0
02 1986           39          21          12           7           5           2
03 1987          XXX         135          73          30          19          13
04 1988          XXX         XXX         111          55          45          29
05 1989          XXX         XXX         XXX         147          94          58
06 1990          XXX         XXX         XXX         XXX         202         143
07 1991          XXX         XXX         XXX         XXX         XXX         337
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           1           1           0
03 1987            9           4           3           3
04 1988           15           9           6           2
05 1989           21          12          13           8
06 1990          112          89          55          37
07 1991          174         118          97          60
08 1992          221         212         148          88
09 1993          XXX         277         247         147
10 1994          XXX         XXX         589         274
11 1995          XXX         XXX         XXX         808

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        7,056       9,813      10,572      10,852      11,401      11,383
03 1987          XXX       5,204       7,281       7,810       8,307       8,270
04 1988          XXX         XXX       4,218       5,616       6,162       6,330
05 1989          XXX         XXX         XXX       3,372       4,675       4,995
06 1990          XXX         XXX         XXX         XXX       2,725       4,029
07 1991          XXX         XXX         XXX         XXX         XXX       2,385
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       11,425      11,485      11,474      11,540
03 1987        8,344       8,537       8,702       8,627
04 1988        6,434       6,565       6,749       6,650
05 1989        5,185       5,305       5,482       5,400
06 1990        4,383       4,637       4,976       4,830
07 1991        3,685       4,286       4,720       4,562
08 1992        3,147       5,177       5,868       5,886
09 1993          XXX       3,001       4,882       6,851
10 1994          XXX         XXX       3,650       8,342
11 1995          XXX         XXX         XXX       3,446

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           62          91          94          99         100         100
03 1987          XXX         182         232         247         251         346
04 1988          XXX         XXX         172         224         236         296
05 1989          XXX         XXX         XXX         191         237         272
06 1990          XXX         XXX         XXX         XXX         244         343
07 1991          XXX         XXX         XXX         XXX         XXX         424
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          101         102         104         104
03 1987          327         327         459         446
04 1988          277         277         298         284
05 1989          237         237         285         264
06 1990          345         354         352         349
07 1991          506         515         476         478
08 1992          582         643         427         442
09 1993          XXX         325         556         580
10 1994          XXX         XXX         661         690
11 1995          XXX         XXX         XXX         842

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         206         233         297
02 1986          140         241         279         295         329         373
03 1987          XXX          98         161         189         154         226
04 1988          XXX         XXX          51          77          39         110
05 1989          XXX         XXX         XXX          36          21          73
06 1990          XXX         XXX         XXX         XXX          45         107
07 1991          XXX         XXX         XXX         XXX         XXX          62
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         308         298         351         359
02 1986          390         376         381         391
03 1987          227         233         226         266
04 1988          136         133         178         173
05 1989           77          87         106         127
06 1990          119         130         167         218
07 1991          100         121         144         223
08 1992           76         118         141         162
09 1993          XXX         111         163         206
10 1994          XXX         XXX          90         164
11 1995          XXX         XXX         XXX         138

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           2           2           2           2           2
03 1987          XXX          27          32          45          57          59
04 1988          XXX         XXX          23          39          60          69
05 1989          XXX         XXX         XXX          42          61          65
06 1990          XXX         XXX         XXX         XXX          21          33
07 1991          XXX         XXX         XXX         XXX         XXX          26
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            2           2           2           2
03 1987           77          80          83         120
04 1988           63          69          71          75
05 1989           91          92          98         118
06 1990           57          61          58          53
07 1991          263         271         300         278
08 1992           25          33          38          49
09 1993          XXX          19          21          34
10 1994          XXX         XXX          15          47
11 1995          XXX         XXX         XXX          17

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         143         342         227       1,046       1,003       1,140
02 1986          151         123          89         125          94         164
03 1987          XXX          73          52          86          62         103
04 1988          XXX         XXX          11          53          49          94
05 1989          XXX         XXX         XXX          38          45          64
06 1990          XXX         XXX         XXX         XXX          38          85
07 1991          XXX         XXX         XXX         XXX         XXX          41
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       1,135       1,043         994         913
02 1986          151          98          95          66
03 1987           91          60          76          53
04 1988           74          44          43          40
05 1989           65          30          27          32
06 1990           94          53          56          41
07 1991           50          40          43          23
08 1992           26          43          62          46
09 1993          XXX          30          63          35
10 1994          XXX         XXX          75          38
11 1995          XXX         XXX         XXX          47

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            3           2           2           1           1           0
03 1987          XXX          12          29          21          13          11
04 1988          XXX         XXX          18          42          28          19
05 1989          XXX         XXX         XXX          28          17          25
06 1990          XXX         XXX         XXX         XXX          17          29
07 1991          XXX         XXX         XXX         XXX         XXX          30
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           10           4           3           3
04 1988            8           2           2           2
05 1989            2           1           2           0
06 1990           11           4           1           1
07 1991           58          40          20          11
08 1992           31          16           8           8
09 1993          XXX          34          16          10
10 1994          XXX         XXX          31          30
11 1995          XXX         XXX         XXX          23

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          376         606         662         753         794       1,327
03 1987          XXX         257         386         479         404         792
04 1988          XXX         XXX         127         207         151         446
05 1989          XXX         XXX         XXX         133          70         275
06 1990          XXX         XXX         XXX         XXX          98         287
07 1991          XXX         XXX         XXX         XXX         XXX         124
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        1,372       1,042       1,107       1,132
03 1987          819         625         710         724
04 1988          468         325         434         400
05 1989          258         218         462         277
06 1990          353         267         495         370
07 1991          208         215         534         367
08 1992          118         198         487         280
09 1993          XXX         166         491         306
10 1994          XXX         XXX         243         255
11 1995          XXX         XXX         XXX         217

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            4          11          11          12          12          12
03 1987          XXX          46          85         109         127         130
04 1988          XXX         XXX          46          99         116         124
05 1989          XXX         XXX         XXX          76         119         131
06 1990          XXX         XXX         XXX         XXX          41          99
07 1991          XXX         XXX         XXX         XXX         XXX          62
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           12          12          12          12
03 1987          133         134         136         176
04 1988          121         122         127         127
05 1989          169         169         177         180
06 1990           95          95          88          91
07 1991          372         372         387         340
08 1992           74          78          87          83
09 1993          XXX          66          75          58
10 1994          XXX         XXX          66          86
11 1995          XXX         XXX         XXX          42

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     157,487     174,999     176,310
10 1994          XXX         XXX     168,363     184,708
11 1995          XXX         XXX         XXX     166,200

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      58,102      66,048      63,104
10 1994          XXX         XXX      59,621      66,936
11 1995          XXX         XXX         XXX      49,242

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     136,504     143,023     143,856
10 1994          XXX         XXX     144,285     145,443
11 1995          XXX         XXX         XXX     177,599

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      32,180      42,129      41,294
10 1994          XXX         XXX      25,837      25,319
11 1995          XXX         XXX         XXX      22,281

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     191,351     195,366     195,138
10 1994          XXX         XXX     213,075     219,695
11 1995          XXX         XXX         XXX     248,635

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      20,074      28,049      26,170
10 1994          XXX         XXX      28,970      38,415
11 1995          XXX         XXX         XXX      49,796

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     204,253     231,865     228,924
10 1994          XXX         XXX     224,278     249,941
11 1995          XXX         XXX         XXX     368,653

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      88,906      92,678      87,862
10 1994          XXX         XXX      97,423      99,965
11 1995          XXX         XXX         XXX      18,515

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      91,624     108,550     103,115
10 1994          XXX         XXX      97,357     115,729
11 1995          XXX         XXX         XXX     144,745

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       5,235       6,564       6,602
10 1994          XXX         XXX       6,289       7,330
11 1995          XXX         XXX         XXX       1,933

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       8,940      10,901      15,806
10 1994          XXX         XXX       9,806      11,773
11 1995          XXX         XXX         XXX      14,231

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       1,881       1,862       1,862
10 1994          XXX         XXX       1,769       1,773
11 1995          XXX         XXX         XXX         499

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       3,587       4,515       6,880
10 1994          XXX         XXX       2,862       3,548
11 1995          XXX         XXX         XXX       5,128

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       1,335       1,313       1,313
10 1994          XXX         XXX       1,732       1,734
11 1995          XXX         XXX         XXX         490

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            30,214           0        .000      90,804           0        .000
02           705,207           0        .000   1,013,342           0        .000
03           201,972       1,031        .030     135,367       1,275        .042
04           959,825      22,979        .675     455,687      35,599       1.160
05           309,785         329        .010     217,108         115        .004
06             3,525           0        .000           0           0        .000
07             1,289           0        .000         765           0        .000
08            40,018           0        .000      56,706           0        .000
09           606,871       4,872        .143     145,633       1,831        .060
10           229,084           0        .000     141,281           0        .000
11           131,319           0        .000     247,198           0        .000
12            51,434          80        .002     508,602         245        .008
13            16,645           0        .000      36,260           0        .000
14             7,904           0        .000       8,750           0        .000
15             3,934           0        .000           1           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           101,293       1,652        .049      10,281         237        .008
21             2,376           0        .000       1,471           0        .000
22                 0           0        .000           0           0        .000
23         3,402,695      30,943        .909   3,069,256      39,302       1.282

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      12,674       9,999      10,029
02 1986            0      36,772      37,017      37,353
03 1987            0      44,028      44,462      45,234
04 1988            0      30,266      30,673      30,729
05 1989            0      23,478      23,883      23,903
06 1990            0      12,571      12,608      13,105
07 1991            0      12,698      14,615      15,233
08 1992            0      12,103      13,808      15,044
09 1993          XXX       3,915      11,295      13,720
10 1994          XXX         XXX       5,929      12,587
11 1995          XXX         XXX         XXX       6,418

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      33,232      33,125      33,062
03 1987            0      39,284      39,118      39,043
04 1988            0      35,234      35,280      35,382
05 1989            0      34,797      35,131      35,621
06 1990            0      24,920      25,596      25,708
07 1991            0      31,663      33,070      34,414
08 1992            0      39,765      35,907      37,127
09 1993          XXX      33,459      31,199      25,534
10 1994          XXX         XXX      43,817      37,579
11 1995          XXX         XXX         XXX      31,172

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          62           0           0
03 1987            0          65         418           0
04 1988            0         234         484         137
05 1989            0         194         202         200
06 1990            0         272         304          71
07 1991            0          67         571         604
08 1992            0       2,606         223         514
09 1993          XXX         481       3,953         488
10 1994          XXX         XXX           0       5,938
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               169           0        .000         654           0        .000
02             7,414           0        .000      10,117           0        .000
03            16,904           0        .000      19,546           0        .000
04            13,302           0        .000           0           0        .000
05             1,160           0        .000       5,981           0        .000
06                 0           0        .000           0           0        .000
07                 0           0        .000           0           0        .000
08                 0           0        .000           0           0        .000
09            18,972           0        .000      24,393           0        .000
10                 0           0        .000           0           0        .000
11               603           0        .000       3,777           0        .000
12               875           0        .000      11,483           0        .000
13               109           0        .000       4,170           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             1,687           0        .000       4,201           0        .000
21                 0           0        .000           0           0        .000
22                 0           0        .000           0           0        .000
23            61,195           0        .000      84,322           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