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

SCHEDULE P - PART 1              - SUMMARY
($000 OMITTED)
    1              PREMIUMS EARNED             LOSS AND LOSS EXPENSE PAYMENTS
YEARS IN        2           3           4                         ALLOCATED LOSS
WHICH PRE-                                        LOSS PAYMENTS    EXP PAYMENTS
MIUMS WERE   DIRECT                    NET          5           6           7
EARNED AND     AND        CEDED      (2 - 3)     DIRECT                  DIRECT
LOSSES       ASSUMED                               AND        CEDED        AND
WERE INC                                         ASSUMED                 ASSUMED
01 PRIOR         XXX         XXX         XXX      70,112      34,741      17,825
02 1986    2,281,532     443,245   1,838,288   1,092,788     193,759     100,278
03 1987    2,243,964     364,196   1,879,768   1,060,511     158,565     102,368
04 1988    2,227,970     302,127   1,925,843   1,157,810     147,600      97,059
05 1989    2,153,293     239,026   1,914,276   1,224,595     135,773      95,811
06 1990    2,353,869     245,072   2,108,797   1,376,884     184,938     106,707
07 1991    2,511,087     307,339   2,203,748   1,300,840     142,362     104,065
08 1992    2,708,653     369,869   2,338,784   1,358,878     201,656      98,035
09 1993    3,060,302     497,436   2,562,866   1,369,357     200,740      88,208
10 1994    3,627,461     712,954   2,914,507   1,666,762     339,189      77,389
11 1995    3,879,571     875,363   3,004,207   1,243,959     303,724      35,712
12 TOTAL         XXX         XXX         XXX  12,922,494   2,043,032     923,460

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       8,501       1,910       2,946      47,649         XXX     335,838
02 1986       21,211      30,073      84,344   1,062,440         XXX      21,282
03 1987       23,010      30,992      86,609   1,067,905         XXX      43,863
04 1988       10,243      36,520      92,181   1,189,208         XXX      70,076
05 1989        9,374      38,089     101,329   1,276,588         XXX      46,026
06 1990        8,450      42,968     105,259   1,395,472         XXX      47,451
07 1991       10,001      39,655     111,071   1,363,622         XXX      71,927
08 1992       13,588      42,008     115,269   1,356,939         XXX     105,910
09 1993       14,245      46,362     116,117   1,358,697         XXX     190,542
10 1994       18,049      43,979     123,761   1,510,675         XXX     425,194
11 1995        7,885      25,922     104,310   1,072,371         XXX     788,625
12 TOTAL     144,541     378,486   1,043,187  12,701,572         XXX   2,146,731

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     138,108     261,683     138,396      17,718       7,836      35,169
02 1986        7,616      18,478       4,741       2,286         558       3,143
03 1987       24,363      24,176      16,337       3,623       1,568       3,094
04 1988       28,774      16,474       1,997       9,106       3,633       4,259
05 1989       10,602      43,489      16,433       3,340         327      12,376
06 1990        7,047      53,856      16,986       5,749         586      14,184
07 1991        8,839      67,494      18,413       9,441       1,259      14,163
08 1992       13,594      94,170      32,106      12,992       1,235      20,453
09 1993       26,143     217,651      51,744      27,433       4,417      42,720
10 1994       80,144     230,610      40,646      47,636       8,271      51,641
11 1995      130,675     555,539      86,599      80,150      18,280      83,965
12 TOTAL     475,915   1,583,627     424,389     219,474      47,956     285,177

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      12,510           0      17,911     371,468         XXX         XXX
02 1986        1,252           4       2,566      33,588         XXX   1,328,696
03 1987        1,535           4       1,937      32,899         XXX   1,328,525
04 1988          633         706       1,969      66,838         XXX   1,450,353
05 1989        5,105       1,202       3,005      75,776         XXX   1,533,797
06 1990        4,576       2,211       5,870      97,907         XXX   1,720,549
07 1991        4,769       3,378       7,489     137,232         XXX   1,691,462
08 1992        6,393       5,990       9,916     190,109         XXX   1,822,029
09 1993        8,307       7,990      25,172     412,907         XXX   2,084,820
10 1994        6,853      16,498      40,955     660,132         XXX   2,672,023
11 1995       12,124      41,585      69,736   1,330,339         XXX   2,971,402
12 TOTAL      64,054      79,561     186,519   3,409,203         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      232,669   1,096,027      58.237      52.492      59.622           0
03 1987      227,712   1,100,813      59.204      62.525      58.561           0
04 1988      194,300   1,256,053      65.098      64.311      65.221           0
05 1989      181,436   1,352,361      71.230      75.906      70.646           0
06 1990      227,170   1,493,379      73.095      92.695      70.817           0
07 1991      190,610   1,500,852      67.360      62.019      68.105           0
08 1992      274,980   1,547,049      67.267      74.345      66.148           0
09 1993      313,216   1,771,604      68.125      62.966      69.126           0
10 1994      501,218   2,170,805      73.661      70.302      74.483           0
11 1995      568,683   2,402,719      76.591      64.965      79.978           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     306,052      50,460
02 1986            0        .000      27,402       6,186
03 1987            0        .000      27,339       5,560
04 1988            0        .000      55,770      11,068
05 1989            0        .000      62,487      13,288
06 1990            0        .000      77,273      20,633
07 1991            0        .000     112,167      25,067
08 1992            0        .000     154,377      35,739
09 1993            0        .000     330,316      82,591
10 1994            0        .000     535,015     125,108
11 1995            0        .000   1,126,892     203,449
12 TOTAL           0         XXX   2,815,090     579,149

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       99,292       4,359      94,933      52,628       1,041       1,634
03 1987       84,274       3,855      80,419      42,258       1,100       1,220
04 1988       83,433       3,509      79,924      46,440       1,125       1,071
05 1989       88,257       3,394      84,863      68,548       6,352       2,235
06 1990       97,693       3,468      94,225      56,977       1,484       3,510
07 1991      104,735       4,134     100,601      65,175       1,763       3,475
08 1992       98,838       5,154      93,684      56,913       4,228       2,674
09 1993       93,698       6,757      86,941      57,086       3,030       2,413
10 1994       99,208      14,184      85,024      61,967       5,697       1,371
11 1995      106,819      16,636      90,183      52,109       7,938         679
12 TOTAL         XXX         XXX         XXX     560,248      33,760      20,361

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           71       1,100       4,573      57,723      31,621           0
03 1987           34         667       4,191      46,535      22,942          33
04 1988           15         638       3,269      49,640      21,954          15
05 1989           23         727       4,284      68,692      30,817         149
06 1990            0       1,370       3,234      62,237      25,617         378
07 1991            0         952       3,460      70,347      28,419         703
08 1992            5         531       4,165      59,519      22,271       1,451
09 1993           51         415       5,246      61,664      23,205       2,449
10 1994          104         623       4,854      62,391      27,639       2,255
11 1995           66         251       3,498      48,282      22,483       8,652
12 TOTAL         368       7,403      40,786     587,267         XXX      17,294

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           0          -1          19           0          -5
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       9,357         607       1,969          71       1,214

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      58,935
03 1987            0           0           5          40           0      47,785
04 1988            0           2           3          18           0      50,850
05 1989            0          12           8         171           5      75,335
06 1990            0          52          25         394          10      64,271
07 1991            0          85          45         800          25      73,058
08 1992            0          96          80       1,564          49      65,529
09 1993            0         202         141       2,778          83      67,736
10 1994            7         278         201       3,682         159      72,475
11 1995           74         585       1,217      19,277       1,832      76,934
12 TOTAL          81       1,312       1,751      30,214       2,199         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        1,201      57,734      59.355      27.552      60.815           0
03 1987        1,209      46,576      56.701      31.361      57.916           0
04 1988        1,192      49,658      60.947      33.969      62.131           0
05 1989        6,470      68,865      85.358     190.630      81.148           0
06 1990        1,639      62,632      65.788      47.260      66.470           0
07 1991        1,904      71,154      69.755      46.057      70.728           0
08 1992        4,445      61,084      66.299      86.243      65.202           0
09 1993        3,294      64,442      72.291      48.749      74.121           0
10 1994        6,402      66,073      73.053      45.135      77.710           0
11 1995        9,376      67,558      72.022      56.359      74.912           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         148          23
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       3,113         569
11 1995            0        .000      15,981       3,296
12 TOTAL           0         XXX      24,882       4,774

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       2,534       1,613          63
02 1986      297,892      43,001     254,891     218,907      30,042      12,412
03 1987      298,607      23,834     274,773     210,398      10,287      13,166
04 1988      358,332      25,904     332,429     259,401      19,060      16,393
05 1989      388,984       7,615     381,368     289,226      12,626      18,712
06 1990      479,335       8,101     471,235     361,025      26,867      24,044
07 1991      592,849      44,309     548,540     385,533      22,793      21,794
08 1992      702,598      47,425     655,181     427,241      21,306      21,527
09 1993      842,376      78,687     763,689     503,211      39,574      22,162
10 1994    1,081,173     174,703     906,469     620,378     103,394      21,004
11 1995    1,255,643     256,776     998,866     387,568      81,207       8,897
12 TOTAL         XXX         XXX         XXX   3,665,410     368,763     180,183

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         190          21          96         889         XXX       4,209
02 1986        2,012       2,876      13,469     212,741     127,038         133
03 1987          512       3,115      15,828     228,601     125,249         253
04 1988        1,278       4,099      18,696     274,160     115,232         241
05 1989        1,347       5,182      22,693     316,659     125,708       1,366
06 1990          663       6,512      26,771     384,298     154,771       3,884
07 1991        1,505       7,409      30,953     413,980     171,842       4,576
08 1992        1,451       8,980      34,435     460,444     192,824      11,518
09 1993        2,356      10,333      39,984     523,434     242,250      31,678
10 1994        4,958       8,358      44,411     577,434     330,243     104,829
11 1995        1,784       3,691      37,268     350,742     337,147     328,671
12 TOTAL      18,068      60,563     284,602   3,743,367         XXX     491,346

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         151          87           0
02 1986            0         270         211          85           0          -9
03 1987            0        -542           0          54           0           0
04 1988            0        -161           0          61           0          -5
05 1989            0         -11           0         255           0           3
06 1990          408         496          -1         623          61         107
07 1991          242         426           1         707          37         237
08 1992          172       5,805         415       1,869          12         806
09 1993        1,500      11,728         739       5,998         283       1,157
10 1994       12,761      36,278       6,468      14,823       2,529       5,492
11 1995       56,720     152,043      20,916      34,237       8,648      16,892
12 TOTAL      72,357     207,178      28,748      58,863      11,659      24,687

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          41       4,597         118         XXX
02 1986            0           0           9         277           4     246,455
03 1987            0           0           7        -229           9     239,827
04 1988            0           9          13         150          23     295,277
05 1989            0          18          87       1,701          66     333,174
06 1990            0          84         247       4,891         153     417,958
07 1991            0         160         272       5,939         411     445,256
08 1992           12         627         910      20,301       1,127     504,564
09 1993           55       1,385       2,268      50,249       3,991     618,687
10 1994          144       3,736       6,529     146,058      17,036     854,692
11 1995          457       8,658      26,175     471,285      77,037     992,889
12 TOTAL         668      14,685      36,567     705,207      99,991         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       33,437     213,018      82.733      77.759      83.572           0
03 1987       11,456     228,371      80.315      48.066      83.113           0
04 1988       20,966     274,311      82.403      80.937      82.517           0
05 1989       14,821     318,353      85.652     194.629      83.477           0
06 1990       28,762     389,196      87.195     355.043      82.591           0
07 1991       25,339     419,917      75.104      57.187      76.552           0
08 1992       23,818     480,746      71.814      50.222      73.376           0
09 1993       45,015     573,672      73.445      57.208      75.119           0
10 1994      131,203     723,489      79.052      75.101      79.814           0
11 1995      170,871     822,018      79.074      66.545      82.295           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       3,405         105
02 1986            0        .000         192          85
03 1987            0        .000        -289          61
04 1988            0        .000          81          69
05 1989            0        .000       1,356         346
06 1990            0        .000       3,973         917
07 1991            0        .000       4,760       1,179
08 1992            0        .000      16,736       3,565
09 1993            0        .000      41,167       9,081
10 1994            0        .000     121,886      24,173
11 1995            0        .000     403,079      68,206
12 TOTAL           0         XXX     596,346     107,787

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         501
02 1986      199,568      46,150     153,411     104,038      15,994       9,213
03 1987      192,604      33,679     158,925      98,413      10,358       6,987
04 1988      177,929      19,651     158,271     106,228      12,573      12,720
05 1989      173,088      16,078     157,010     118,836      17,333      13,958
06 1990      172,720      27,431     145,280     111,921      22,812      14,299
07 1991      156,610      30,267     126,344      75,759      12,349       8,338
08 1992      181,790      61,881     119,908      81,285      27,380      11,183
09 1993      193,879      64,654     129,224      81,396      24,995      11,669
10 1994      200,607      67,314     133,294      65,479      28,436       8,731
11 1995      181,296      49,699     131,597      24,321       3,582       1,872
12 TOTAL         XXX         XXX         XXX     868,052     176,183      99,459

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         330         751          -1         172         XXX      11,359
02 1986        1,415       1,268       8,913     104,754      20,667          58
03 1987          925         556       9,850     103,974      20,130         119
04 1988        2,179       1,339      10,542     114,729      21,632       1,755
05 1989        2,549         837      11,116     124,027      21,932       1,115
06 1990        4,553       1,169      10,311     109,167      19,372       2,448
07 1991        1,491         649       7,845      78,098      17,011       8,101
08 1992        4,533         609       7,396      67,945      16,973      12,983
09 1993        4,738         522       6,349      69,687      21,479      24,211
10 1994        5,194         578       5,073      45,649      25,261      44,655
11 1995          558         217       3,677      25,729      19,539      48,255
12 TOTAL      28,474       8,521      81,067     843,931         XXX     155,058

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        1,161       3,270       1,526         253         107         302
07 1991        4,062       8,697       3,062       1,373         707       1,238
08 1992        5,604      12,894       5,374       1,335         414       1,568
09 1993        8,667      19,968       8,652       3,455         872       2,686
10 1994       16,740      24,445       8,083       4,251       1,202       3,133
11 1995       15,559      35,482       8,635       4,294       1,217       4,500
12 TOTAL      55,119     114,781      40,489      15,143       4,596      14,384

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       2,853           1     125,762
03 1987          102           0           2       1,099           4     117,006
04 1988          179           1          47         985          16     132,315
05 1989          345           5          39       1,183          32     146,817
06 1990          259          65         118       3,342          71     143,293
07 1991          763          78         366      11,180         146     112,086
08 1992          689         109         578      17,276         359     129,762
09 1993        1,372         190       1,233      31,997         967     151,515
10 1994        1,020         324       2,418      51,857       2,181     158,717
11 1995        1,169         565       3,873      69,823       4,896     126,817
12 TOTAL       5,977       1,347       8,792     201,972       8,768         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       18,154     107,608      63.017      39.337      70.144           0
03 1987       11,932     105,074      60.750      35.429      66.115           0
04 1988       16,606     115,709      74.364      84.505      73.108           0
05 1989       21,609     125,208      84.822     134.401      79.745           0
06 1990       30,784     112,509      82.963     112.223      77.443           0
07 1991       22,810      89,276      71.570      75.363      70.661           0
08 1992       44,543      85,219      71.380      71.982      71.070           0
09 1993       49,832     101,683      78.149      77.075      78.687           0
10 1994       61,211      97,506      79.118      90.934      73.151           0
11 1995       31,263      95,554      69.950      62.905      72.611           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       2,815          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       3,035         307
07 1991            0        .000       9,674       1,506
08 1992            0        .000      14,899       2,377
09 1993            0        .000      26,860       5,138
10 1994            0        .000      44,278       7,581
11 1995            0        .000      59,542      10,281
12 TOTAL           0         XXX     169,377      27,756

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      24,433      10,048       2,838
02 1986      427,544      24,044     403,499     261,433       7,660      17,424
03 1987      433,195      30,016     403,172     257,073       8,372      17,072
04 1988      505,610      36,569     469,041     284,000       9,722      18,644
05 1989      499,237      18,041     481,189     289,903      10,882      18,560
06 1990      519,315      22,015     497,300     316,788      14,477      21,776
07 1991      534,013      38,500     495,512     286,325      15,463      25,576
08 1992      575,303      47,467     527,835     238,573      20,368      21,706
09 1993      617,537      48,345     569,192     192,483      15,335      13,999
10 1994      639,203      35,089     604,114     155,595       9,297       8,748
11 1995      475,226      24,132     451,094      66,886       3,594       2,578
12 TOTAL         XXX         XXX         XXX   2,373,494     125,225     168,904

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         806         375       1,535      17,945         XXX     153,306
02 1986          700       3,288      25,563     296,060      81,844      10,937
03 1987          455       3,404      26,370     291,674      79,264      11,177
04 1988          510       3,552      29,723     322,127      78,268      61,630
05 1989          696       4,917      29,328     326,211      70,507      33,800
06 1990          929       6,027      31,538     354,696      71,325      25,025
07 1991        1,559       3,742      33,394     328,273      63,455      35,426
08 1992        1,989       2,765      32,035     269,958      60,671      45,951
09 1993        1,131       3,162      30,396     220,403      56,840      67,942
10 1994          256         566      28,939     183,730      61,106     120,609
11 1995           56         114      20,281      86,095      50,330     164,047
12 TOTAL       9,094      31,913     289,100   2,697,170         XXX     729,843

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      70,869      21,521       7,340       4,892       2,398       1,087
02 1986        2,779       1,342          35         352          44         358
03 1987        3,849       2,294           1         380          18         680
04 1988       26,655       2,147          -2       7,304       3,518         853
05 1989        8,358       4,052         567         677          47       1,720
06 1990        3,261       5,986         773         717         107       1,697
07 1991        3,232       7,732       1,785         785         177       2,175
08 1992        4,014      10,344       3,458         841         307       4,483
09 1993        3,959      51,327       5,071         797         304      22,470
10 1994        5,594      61,038       6,286         922         234      24,467
11 1995        6,815      73,329       6,793       1,448         207      18,885
12 TOTAL     139,386     241,131      32,107      19,113       7,376      78,883

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         307           0       4,675     104,566       1,762         XXX
02 1986          246           4         958      10,850         209     318,780
03 1987          374           4         894      11,191         291     316,272
04 1988           15         278       1,104      42,845         392     405,779
05 1989           43         665       1,400      32,634         513     379,824
06 1990           60       1,199       2,328      31,551         913     406,310
07 1991          184       1,608       3,477      44,217       1,514     395,641
08 1992          327       2,374       3,959      57,471       1,946     359,065
09 1993          460       2,982      15,433     148,167       2,994     396,239
10 1994          556       4,818      22,949     217,321       5,658     424,612
11 1995          616       5,451      15,748     259,026      12,137     364,433
12 TOTAL       3,195      19,385      72,932     959,825      28,370         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       11,876     306,904      74.561      49.393      76.061           0
03 1987       13,410     302,862      73.009      44.676      75.120           0
04 1988       40,806     364,973      80.255     111.586      77.813           0
05 1989       20,984     358,840      76.081     116.313      74.574           0
06 1990       20,071     386,239      78.240      91.170      77.667           0
07 1991       23,151     372,490      74.088      60.132      75.173           0
08 1992       31,634     327,431      62.413      66.644      62.033           0
09 1993       27,669     368,570      64.164      57.232      64.753           0
10 1994       23,569     401,043      66.428      67.169      66.385           0
11 1995       19,304     345,129      76.686      79.993      76.509           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      96,089       7,940
02 1986            0        .000       9,464       1,386
03 1987            0        .000       9,622       1,570
04 1988            0        .000      37,125       5,729
05 1989            0        .000      28,927       3,699
06 1990            0        .000      26,968       4,582
07 1991            0        .000      38,141       6,069
08 1992            0        .000      48,822       8,641
09 1993            0        .000     110,239      37,928
10 1994            0        .000     169,768      47,554
11 1995            0        .000     223,768      35,257
12 TOTAL           0         XXX     798,933     160,355

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   1,169,015   1,262,585   1,362,659   1,446,879   1,483,016   1,493,589
02 1986    1,206,401   1,156,469   1,128,951   1,072,294   1,051,904   1,034,873
03 1987          XXX   1,185,350   1,153,971   1,123,080   1,086,928   1,056,742
04 1988          XXX         XXX   1,261,180   1,245,225   1,259,436   1,242,104
05 1989          XXX         XXX         XXX   1,289,801   1,320,598   1,290,075
06 1990          XXX         XXX         XXX         XXX   1,440,457   1,443,547
07 1991          XXX         XXX         XXX         XXX         XXX   1,480,678
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   1,552,056   1,620,456   1,742,685   1,742,511        -174     122,055
02 1986    1,020,971   1,004,206   1,009,755   1,010,311         557       6,106
03 1987    1,045,499   1,017,521   1,011,816   1,013,554       1,740      -3,968
04 1988    1,217,374   1,204,421   1,175,241   1,162,534     -12,709     -41,879
05 1989    1,287,731   1,270,642   1,248,822   1,249,982       1,160     -20,668
06 1990    1,441,127   1,431,703   1,401,787   1,383,442     -18,353     -48,269
07 1991    1,483,940   1,471,599   1,410,874   1,383,034     -27,838     -88,565
08 1992    1,563,143   1,529,712   1,494,030   1,422,515     -71,517    -107,206
09 1993          XXX   1,695,576   1,647,428   1,630,513     -16,916     -65,063
10 1994          XXX         XXX   2,020,975   2,006,397     -14,578         XXX
11 1995          XXX         XXX         XXX   2,228,751         XXX         XXX
12 TOTAL                                                    -158,626    -247,457

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     402,580     665,537     864,593   1,021,105   1,121,843
02 1986      346,478     588,691     721,663     821,401     884,527     923,719
03 1987          XXX     336,896     604,084     749,650     845,514     902,043
04 1988          XXX         XXX     388,570     680,174     836,076     940,833
05 1989          XXX         XXX         XXX     438,022     775,398     948,684
06 1990          XXX         XXX         XXX         XXX     510,885     869,883
07 1991          XXX         XXX         XXX         XXX         XXX     547,853
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   1,200,168   1,263,730   1,323,594   1,368,294         XXX         XXX
02 1986      946,059     961,091     972,200     978,104         XXX         XXX
03 1987      937,004     964,862     978,312     981,295         XXX         XXX
04 1988    1,005,021   1,044,520   1,085,465   1,097,033         XXX         XXX
05 1989    1,051,776   1,116,597   1,154,150   1,175,267         XXX         XXX
06 1990    1,071,308   1,182,559   1,249,634   1,290,212         XXX         XXX
07 1991      925,916   1,100,306   1,199,467   1,252,551         XXX         XXX
08 1992      586,211     979,567   1,155,245   1,241,669         XXX         XXX
09 1993          XXX     663,637   1,057,400   1,242,581         XXX         XXX
10 1994          XXX         XXX     840,983   1,386,911         XXX         XXX
11 1995          XXX         XXX         XXX     968,065         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     263,118     189,973     156,997     173,284     116,762     101,382
02 1986      508,715     329,004     238,572     140,252      95,547      62,201
03 1987          XXX     487,873     288,078     204,166     136,037      87,465
04 1988          XXX         XXX     439,686     248,202     191,801     148,640
05 1989          XXX         XXX         XXX     402,226     209,434     134,966
06 1990          XXX         XXX         XXX         XXX     432,714     222,408
07 1991          XXX         XXX         XXX         XXX         XXX     467,761
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      87,799      84,226     146,345     145,945
02 1986       38,249      16,730      17,278      15,638
03 1987       58,284      23,090      10,552       9,405
04 1988       99,997      74,915      30,941      18,102
05 1989       94,926      66,467      36,955      34,335
06 1990      150,620     104,249      68,963      46,477
07 1991      245,196     178,156      96,872      58,471
08 1992      460,968     246,682     170,190      76,123
09 1993          XXX     519,665     289,313     200,329
10 1994          XXX         XXX     497,553     234,810
11 1995          XXX         XXX         XXX     540,782

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         188       2,204
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     106,215     141,711

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          29          60          28       2,985         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      11,060      27,906      77,418   1,038,026         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       26,852       9,797      17,054      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       26,916       9,547      17,370      18,352       6,943       1,553
06 1990       33,146      11,003      22,141      26,491      10,704       2,148
07 1991       40,879      13,519      27,360      25,887       8,812       2,292
08 1992       56,131      17,747      38,383      48,932      24,888       2,897
09 1993       73,633      24,798      48,835      40,504      13,218       3,167
10 1994       78,655      25,099      53,547      30,567       4,798       1,870
11 1995       76,959      21,275      55,682      15,229       3,559         933
12 TOTAL         XXX         XXX         XXX     245,687      85,958      18,750

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       1,798         981      13,656         XXX         368
06 1990          461       1,688       1,010      18,484         XXX         429
07 1991          418       1,418         957      19,899         XXX       1,053
08 1992          749       2,235       1,468      27,668         XXX       1,349
09 1993          641       3,737       2,086      31,898         XXX       4,840
10 1994          199       1,372       1,835      29,274         XXX      10,220
11 1995          140         167       1,221      13,677         XXX      13,557
12 TOTAL       3,836      16,844      11,696     186,341         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      21,402
06 1990            0          72          11         575           5      30,311
07 1991            0         140          37       1,211          30      30,616
08 1992            0         291          45       1,336          30      54,802
09 1993            0         831         122       3,340         152      50,663
10 1994           45       1,470         204       8,100         427      44,776
11 1995          231       3,048         945      21,299         871      42,611
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      47.769      32.428      56.585           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      14,125      79.514      76.223      81.318           0
06 1990       11,252      19,059      91.447     102.263      86.080           0
07 1991        9,507      21,109      74.894      70.323      77.153           0
08 1992       25,790      29,012      97.632     145.320      75.586           0
09 1993       15,425      35,238      68.805      62.203      72.157           0
10 1994        7,402      37,374      56.927      29.491      69.797           0
11 1995        7,627      34,984      55.368      35.850      62.828           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      30,975      12,721       8,905
02 1986      401,372     143,546     257,826     134,491      64,457      27,053
03 1987      333,967     103,353     230,615      98,886      34,139      18,065
04 1988      250,757      77,062     173,695      91,773      27,627      15,312
05 1989      192,051      70,183     121,868      46,311       9,865       8,030
06 1990      196,352      61,867     134,483      43,414      15,878       7,419
07 1991      186,597      49,656     136,941      47,025      11,986       7,894
08 1992      181,673      61,832     119,841      37,860      12,949       6,502
09 1993      219,088     103,829     115,267      35,244      18,308       7,284
10 1994      240,444     115,501     124,942      26,878      12,121       4,816
11 1995      298,327     140,253     158,074      10,435        -474       1,846
12 TOTAL         XXX         XXX         XXX     603,278     219,575     113,138

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       5,077         351       1,033      23,115         XXX     114,839
02 1986       10,199         644       5,512      92,399      11,584       4,781
03 1987        2,964         576       5,288      85,144       8,650       4,815
04 1988        1,697       1,883       7,019      84,781       6,688       2,218
05 1989         -920         143       6,098      51,503       5,433       1,978
06 1990       -1,801         798       4,214      40,980       4,863       2,814
07 1991          959         210       4,034      45,997       4,607       7,052
08 1992        1,239         109       3,295      33,468       5,944       6,373
09 1993        1,923          34       3,305      25,601       6,936      23,139
10 1994          936          19       3,341      21,978       8,464      29,672
11 1995          673           9       2,973      15,057       3,552      27,479
12 TOTAL      22,939       4,786      46,114     520,020         XXX     225,160

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      38,711     138,780      67,335       6,101       2,928      20,105
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      75,788      31,799       6,122       1,526       9,690
10 1994        8,420      66,051      14,162       6,777       1,470      10,828
11 1995        9,198     108,219      31,363       6,979       2,606      17,256
12 TOTAL      69,027     550,949     206,246      33,582       9,796      93,587

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       6,704           0       8,655     172,804       3,429         XXX
02 1986          762           0       1,021      11,226         138     185,224
03 1987          857           0         740       9,079          82     138,475
04 1988          269          13         355      16,805          74     133,308
05 1989        4,051          38         816      23,573          88     102,690
06 1990        3,363          22       1,093      23,682         125      95,225
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      72,971       1,497     165,045
10 1994        3,814           9       2,870      88,331       3,310     152,555
11 1995        6,937          17       6,143     115,956       1,608     183,442
12 TOTAL      38,426         204      27,082     606,871      10,858         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       81,592     103,632      46.148      56.840      40.195           0
03 1987       44,241      94,234      41.464      42.806      40.862           0
04 1988       31,721     101,587      53.162      41.163      58.486           0
05 1989       27,613      75,077      53.470      39.344      61.605           0
06 1990       30,572      64,653      48.497      49.416      48.075           0
07 1991       28,423      81,914      59.131      57.240      59.817           0
08 1992       38,918      69,991      59.948      62.942      58.403           0
09 1993       66,481      98,564      75.333      64.029      85.509           0
10 1994       42,246     110,309      63.447      36.576      88.288           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     140,352      25,223
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      61,109      11,862
10 1994            0        .000      73,148      15,192
11 1995            0        .000      95,121      20,828
12 TOTAL           0         XXX     493,596     106,028

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      -2,401        -112       1,024
02 1994      553,965     103,301     450,665     359,922      69,445      12,557
03 1995      623,985     125,309     498,676     456,872     112,324      10,348
04 TOTAL         XXX         XXX         XXX     814,383     181,663      23,930

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          50       5,326         -26      -1,342         XXX       2,307
02 1994        3,308      29,612      20,868     320,593     321,733      -1,384
03 1995        2,674      17,141      24,286     376,500     379,830      30,546
04 TOTAL       6,041      52,082      45,125     695,749         XXX      31,469

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       2,277          -5         215           2         118
02 1994          157        -422         -55         305          49          51
03 1995        7,171      22,621       5,085       3,670       1,248       1,717
04 TOTAL       7,334      24,475       5,025       4,192       1,298       1,885

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       1,851         236       5,146         453         XXX
02 1994           28       2,962         193      -1,434       5,795     392,269
03 1995           27      18,332       2,692      47,713      36,258     553,103
04 TOTAL          59      23,135       3,121      51,434      42,516         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       73,110     319,159      70.811      70.774      70.820           0
03 1995      128,881     424,222      88.640     102.851      85.070           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       4,583         564
02 1994            0        .000      -1,908         474
03 1995            0        .000      40,910       6,804
04 TOTAL           0         XXX      43,585       7,842

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       40,231       8,177      32,055       4,088       1,462         677
03 1995       41,693       8,761      32,932       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       9,524       1,521       1,682         413       1,406
04 TOTAL       3,087       8,698       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      20,904          85      31,159
04 TOTAL         223       1,130       1,461      16,645         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      17.571      49.884       9.328           0
03 1995        6,532      24,627      74.734      74.558      74.781           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      16,724       4,179
04 TOTAL           0         XXX      13,249       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         -244         -10        -234           0           0           0
03 1987          169           3         166           0           0           0
04 1988          175           9         166           0           0           0
05 1989          -13          -1         -12           0           0           0
06 1990          -14          -1         -13           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        2,011           0       2,011           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        2,194           0       2,194       2,125         224          13
03 1987        7,261       3,615       3,646      34,660      28,196      17,680
04 1988          XXX         XXX         XXX      37,249      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       1,918         XXX         204
03 1987       15,082       2,447         359       9,420         XXX      19,264
04 1988       15,082       2,447         367      11,914         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         316
03 1987            0           0           0       1,397         XXX      84,863
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         316      14.403        .000      14.403           0
03 1987       74,039      10,824   1,168.751   2,048.105     296.873           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      114,896      52,778      62,118      37,365      22,081       7,407
03 1987      109,235      38,440      70,795      14,299       7,916       3,406
04 1988       64,218      27,037      37,181      15,875      12,212       5,769
05 1989       40,187      19,668      20,519       8,849       5,300       1,824
06 1990       33,551      16,741      16,810       7,019       5,096       1,426
07 1991       24,228      14,297       9,931       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      10,842         743         979         555
10 1994       13,550       5,013       8,537        -146        -190         352
11 1995       16,280       5,880      10,400         259         131         155
12 TOTAL         XXX         XXX         XXX      95,585      63,696      27,172

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         570         XXX      33,200
02 1986        2,611         107       1,810      21,890       1,104       3,823
03 1987          509         145         180       9,460         710       6,025
04 1988        1,716         125      -2,024       5,692         390       1,214
05 1989        1,023         237         555       4,905         271         989
06 1990          943         755         922       3,328         364       2,070
07 1991        1,119       1,775         986       2,527         361         236
08 1992          368       1,941         600       2,710         275       1,049
09 1993          266       1,717         255         308         303       2,823
10 1994           74       1,287         427         749         252       1,258
11 1995           39         977         359         603         217       1,911
12 TOTAL      10,616       9,079       4,297      52,742         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      55,351
03 1987          196           0         125       6,655          53      26,352
04 1988          168           2         283       1,920          38      22,044
05 1989          503           3         205       6,760          32      20,969
06 1990          367          76         419       7,360          40      20,669
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       28,811      26,539      48.174      54.589      42.723           0
03 1987       10,254      16,100      24.124      26.675      22.741           0
04 1988       14,432       7,612      34.326      53.378      20.472           0
05 1989        9,302      11,667      52.178      47.295      56.859           0
06 1990        9,982      10,688      61.604      59.626      63.581           0
07 1991        5,566       9,079      60.446      38.931      91.420           0
08 1992        5,487       7,806     115.569     230.255      85.592           0
09 1993        8,116       4,871      68.091      98.638      44.927           0
10 1994        3,964       5,793      72.007      79.074      67.857           0
11 1995        5,263      14,293     120.128      89.506     137.432           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      75,324      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      17,919      20,106      19,415      20,219      21,384      21,069
02 1986       56,595      55,001      54,560      53,367      53,282      53,403
03 1987          XXX      42,008      43,710      42,608      42,822      43,065
04 1988          XXX         XXX      42,100      45,946      46,361      46,758
05 1989          XXX         XXX         XXX      60,606      64,933      64,952
06 1990          XXX         XXX         XXX         XXX      55,260      60,811
07 1991          XXX         XXX         XXX         XXX         XXX      63,148
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      20,524      20,351      20,219      20,316          97         -35
02 1986       53,071      53,086      53,161      53,163           3          78
03 1987       42,604      42,440      42,356      42,379          23         -61
04 1988       46,168      46,211      46,313      46,384          71         173
05 1989       64,194      64,119      64,364      64,572         200         444
06 1990       58,039      58,617      59,018      59,373         355         756
07 1991       65,094      66,197      67,158      67,641         483       1,444
08 1992       57,128      55,459      55,994      56,840         846       1,373
09 1993          XXX      58,742      57,042      59,060       2,018         318
10 1994          XXX         XXX      61,756      61,019        -738         XXX
11 1995          XXX         XXX         XXX      62,836         XXX         XXX
12 TOTAL                                                       3,366       4,506

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      88,574     111,607     117,343     116,962     116,305     116,300
02 1986      208,664     206,747     203,374     200,444     199,712     200,525
03 1987          XXX     213,532     212,109     212,968     214,794     213,779
04 1988          XXX         XXX     251,340     253,553     261,105     257,748
05 1989          XXX         XXX         XXX     308,340     303,896     296,650
06 1990          XXX         XXX         XXX         XXX     379,267     363,269
07 1991          XXX         XXX         XXX         XXX         XXX     414,081
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     114,997     117,887     117,212     117,795         582         -92
02 1986      199,847     198,466     198,945     199,541         596       1,067
03 1987      212,918     213,173     212,990     212,535        -454        -638
04 1988      256,170     256,501     255,870     255,600        -271        -909
05 1989      295,047     296,051     295,646     295,581         -65        -479
06 1990      362,241     362,514     363,657     362,180      -1,486        -334
07 1991      396,713     390,056     388,265     388,695         438      -1,362
08 1992      484,260     453,070     445,880     445,396        -485      -7,675
09 1993          XXX     543,275     529,849     531,423       1,574     -11,845
10 1994          XXX         XXX     678,980     672,550      -6,430         XXX
11 1995          XXX         XXX         XXX     758,581         XXX         XXX
12 TOTAL                                                      -6,009     -22,257

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     106,767     112,845     132,644     132,152     134,340     133,046
02 1986      106,946     107,623     102,235      99,813      99,317      98,314
03 1987          XXX     103,351     101,202      98,676     101,201      97,309
04 1988          XXX         XXX     101,819     101,416     106,236     103,943
05 1989          XXX         XXX         XXX     111,935     117,990     109,572
06 1990          XXX         XXX         XXX         XXX     105,301      97,036
07 1991          XXX         XXX         XXX         XXX         XXX      88,837
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     130,554     127,097     126,130     125,952        -177      -1,145
02 1986       97,519      96,910      97,325      98,686       1,361       1,776
03 1987       97,075      95,375      94,942      95,216         280        -159
04 1988      107,692     106,308     105,501     105,126        -368      -1,182
05 1989      118,792     120,065     116,728     114,046      -2,674      -6,019
06 1990      108,845     105,042     106,719     102,071      -4,648      -2,971
07 1991       87,052      92,809      89,158      81,071      -8,087     -11,738
08 1992       79,247      87,808      89,143      77,238     -11,905     -10,569
09 1993          XXX     105,982      98,678      94,098      -4,580     -11,884
10 1994          XXX         XXX      94,747      90,016      -4,731         XXX
11 1995          XXX         XXX         XXX      88,003         XXX         XXX
12 TOTAL                                                     -35,540     -43,886

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     499,448     527,991     554,412     577,752     579,304     586,244
02 1986      271,328     280,695     281,807     285,085     282,910     287,088
03 1987          XXX     278,375     280,092     282,996     277,654     279,233
04 1988          XXX         XXX     355,695     365,193     363,109     357,260
05 1989          XXX         XXX         XXX     313,178     347,792     340,316
06 1990          XXX         XXX         XXX         XXX     351,858     385,186
07 1991          XXX         XXX         XXX         XXX         XXX     327,493
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     587,142     595,309     622,604     619,349      -3,255      24,040
02 1986      285,569     280,452     280,351     281,567       1,214       1,114
03 1987      282,973     276,304     276,713     276,888         174         584
04 1988      354,690     348,562     337,352     334,777      -2,575     -13,793
05 1989      337,719     330,642     329,776     330,055         278        -588
06 1990      376,429     363,685     355,950     353,566      -2,384     -10,119
07 1991      373,488     360,644     345,252     336,361      -8,891     -24,282
08 1992      336,432     336,837     317,673     292,078     -25,596     -44,759
09 1993          XXX     332,077     325,903     322,931      -2,963      -9,138
10 1994          XXX         XXX     365,516     349,473     -16,042         XXX
11 1995          XXX         XXX         XXX     309,169         XXX         XXX
12 TOTAL                                                     -60,046     -76,933

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     155,533     185,871     204,693     222,561     217,516     221,099
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     223,617     226,831     236,883     238,729       1,845      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                                                       9,171       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      11,366      11,260      10,507      11,069      11,469      10,835
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      10,156      11,766      12,275
06 1990          XXX         XXX         XXX         XXX      12,135      16,808
07 1991          XXX         XXX         XXX         XXX         XXX      14,809
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      10,426      10,307      10,012      10,419         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       12,360      12,806      13,111      13,138          27         324
06 1990       17,108      17,944      18,090      18,038         -52          94
07 1991       19,520      19,248      19,387      20,123         736         876
08 1992       21,853      27,628      27,417      27,490          73        -138
09 1993          XXX      27,253      32,085      33,031         946       5,778
10 1994          XXX         XXX      34,321      35,336       1,016         XXX
11 1995          XXX         XXX         XXX      32,810         XXX         XXX
12 TOTAL                                                       3,240       6,976

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     246,964     244,617     261,090     308,092     348,521     342,862
02 1986      196,751     175,883     174,494     130,383     126,596     111,715
03 1987          XXX     165,165     149,853     137,134     123,853     106,834
04 1988          XXX         XXX     106,989     117,293     117,044     109,866
05 1989          XXX         XXX         XXX      78,527      82,736      77,708
06 1990          XXX         XXX         XXX         XXX      79,427      83,768
07 1991          XXX         XXX         XXX         XXX         XXX      98,746
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     399,182     446,448     521,521     520,827        -703      74,379
02 1986      104,233      97,028      98,317      97,092      -1,225          64
03 1987      102,074      89,562      88,145      88,197          51      -1,367
04 1988      118,186     113,417     100,490      94,205      -6,285     -19,212
05 1989       77,782      73,283      66,022      68,163       2,139      -5,121
06 1990       77,294      81,506      65,325      59,354      -5,970     -22,152
07 1991       91,212      99,586      77,735      76,402      -1,324     -23,184
08 1992       76,695      92,630      82,156      65,222     -16,925     -27,408
09 1993          XXX      96,060      90,503      92,819       2,316      -3,240
10 1994          XXX         XXX      92,036     104,109      12,072         XXX
11 1995          XXX         XXX         XXX     121,897         XXX         XXX
12 TOTAL                                                     -15,854     -27,249

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      40,373      26,066      24,953      -1,114     -15,420
02 1994          XXX         XXX     307,906     298,098      -9,809         XXX
03 1995          XXX         XXX         XXX     397,240         XXX         XXX
04 TOTAL                                                     -10,942     -14,148

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       3,350       8,155       1,757      -6,390      -1,585
02 1994          XXX         XXX       7,302       2,054      -5,248         XXX
03 1995          XXX         XXX         XXX      21,781         XXX         XXX
04 TOTAL                                                     -11,639      -1,585

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       1,690       1,869       2,441       2,866       2,996       3,201
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       4,316       5,139       3,636       3,694          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       1,392       2,296       2,933     244,914       4,735       5,056
02 1986        2,085       1,970       2,892       3,104       3,223       3,175
03 1987          XXX       6,560      10,174      10,460      10,527      10,458
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       5,943       5,859       6,158       8,317       2,159       2,458
02 1986        3,074       3,673       3,673       2,296      -1,377      -1,377
03 1987       10,459      10,459      10,457      10,458           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      29,414      34,331      43,887      44,438      39,339      47,480
02 1986       47,413      45,863      44,066      39,509      30,320      27,913
03 1987          XXX      40,347      36,661      36,188      26,992      18,178
04 1988          XXX         XXX      40,426      17,421      21,155      20,891
05 1989          XXX         XXX         XXX      13,667      10,753      12,535
06 1990          XXX         XXX         XXX         XXX      10,847      13,954
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      49,516      61,864      73,039      71,288      -1,750       9,425
02 1986       26,023      24,472      25,469      24,306      -1,162        -165
03 1987       12,699      11,895      12,552      15,794       3,242       3,899
04 1988        9,224      10,457      10,995       9,363      -1,640      -1,103
05 1989        8,850      10,529       8,616      10,905       2,289         376
06 1990       11,374      13,461      10,278       9,347        -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       7,390      12,887      15,596      17,094      18,092
02 1986       35,399      48,069      50,620      52,003      52,520      52,759
03 1987          XXX      26,642      37,927      40,429      41,797      42,279
04 1988          XXX         XXX      29,202      41,834      44,344      45,149
05 1989          XXX         XXX         XXX      42,501      58,949      61,309
06 1990          XXX         XXX         XXX         XXX      37,502      54,048
07 1991          XXX         XXX         XXX         XXX         XXX      44,356
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      18,355      18,528      18,637      18,854         424         123
02 1986       52,914      53,023      53,149      53,152      30,786         808
03 1987       42,376      42,318      42,300      42,345      22,293         598
04 1988       45,610      45,923      46,053      46,369      21,232         698
05 1989       62,490      63,163      64,101      64,401      29,555       1,247
06 1990       56,092      57,591      58,641      59,004      24,224       1,383
07 1991       59,863      64,652      66,084      66,894      27,364       1,026
08 1992       36,701      50,850      53,582      55,356      21,357         859
09 1993          XXX      40,058      52,935      56,417      20,795       2,325
10 1994          XXX         XXX      43,617      57,546      22,632       4,851
11 1995          XXX         XXX         XXX      44,775      17,479       3,276

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      60,771      88,307     103,194     108,487     109,984
02 1986       81,481     150,953     177,622     191,065     196,328     197,964
03 1987          XXX      85,415     159,210     186,837     201,683     208,551
04 1988          XXX         XXX     101,708     189,339     227,870     245,403
05 1989          XXX         XXX         XXX     115,407     221,016     262,427
06 1990          XXX         XXX         XXX         XXX     145,989     267,498
07 1991          XXX         XXX         XXX         XXX         XXX     160,362
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     111,944     112,254     112,452     113,245           6           1
02 1986      198,054     198,766     199,249     199,272      73,075      26,536
03 1987      210,805     212,045     212,521     212,771      71,675      26,913
04 1988      251,980     254,139     255,252     255,461      86,382      30,925
05 1989      283,768     290,554     293,614     293,965     125,822      48,224
06 1990      318,313     344,465     354,132     357,537     145,606      58,769
07 1991      297,485     352,297     373,536     383,027     158,925      59,319
08 1992      182,458     344,583     403,479     426,003     170,651      64,001
09 1993          XXX     223,178     415,480     483,443     201,632      80,859
10 1994          XXX         XXX     287,892     533,024     250,700     104,820
11 1995          XXX         XXX         XXX     313,473     184,732      79,120

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      49,581      79,317     102,554     111,605     114,641
02 1986       16,724      44,979      62,954      79,284      88,174      92,772
03 1987          XXX      16,544      43,887      62,682      79,180      86,147
04 1988          XXX         XXX      18,821      46,711      69,932      84,546
05 1989          XXX         XXX         XXX      22,090      52,569      80,492
06 1990          XXX         XXX         XXX         XXX      18,599      46,515
07 1991          XXX         XXX         XXX         XXX         XXX      16,658
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     115,953     116,401     115,489     115,662          84         196
02 1986       93,914      94,994      95,463      95,840      15,701       2,978
03 1987       91,311      93,111      93,947      94,127      14,858       2,790
04 1988       96,841     101,351     103,654     104,195      15,727       3,582
05 1989       96,126     107,320     111,750     112,911      17,020       4,591
06 1990       73,654      89,136      95,366      98,855      15,151       3,807
07 1991       41,816      56,193      64,765      70,256      13,170       3,597
08 1992       14,486      35,313      50,236      60,547      12,730       4,081
09 1993          XXX      15,407      35,837      63,337      14,704       6,102
10 1994          XXX         XXX      17,427      40,579      15,881       7,481
11 1995          XXX         XXX         XXX      22,052      10,664       4,037

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     154,604     258,384     333,025     380,975     421,622
02 1986       56,064     129,701     183,884     219,180     239,128     253,291
03 1987          XXX      51,104     129,446     182,804     216,932     237,859
04 1988          XXX         XXX      56,978     141,390     201,784     240,107
05 1989          XXX         XXX         XXX      59,077     150,052     218,352
06 1990          XXX         XXX         XXX         XXX      72,446     183,139
07 1991          XXX         XXX         XXX         XXX         XXX      72,943
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     447,018     462,307     480,505     496,914         293          87
02 1986      260,373     265,021     268,340     270,497      74,097       3,312
03 1987      250,426     258,331     262,474     265,311      71,092       3,967
04 1988      261,410     273,392     288,318     292,404      72,582       4,666
05 1989      256,485     276,718     288,737     296,875      65,960       4,031
06 1990      253,572     292,577     311,580     323,158      65,222       5,188
07 1991      175,902     242,043     277,652     294,879      57,411       4,529
08 1992       65,738     155,130     211,387     237,922      54,629       4,095
09 1993          XXX      63,493     140,328     190,008      50,004       3,834
10 1994          XXX         XXX      65,541     154,790      51,189       4,259
11 1995          XXX         XXX         XXX      65,815      35,216       2,977

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      64,320     110,987     153,178     182,879     198,759
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     207,389     212,042     218,019     220,976         562         296
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       2,915       4,048       5,477       6,387       6,494
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       4,046      10,822      11,121
06 1990          XXX         XXX         XXX         XXX       5,670      13,852
07 1991          XXX         XXX         XXX         XXX         XXX       7,708
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       6,686       6,700       7,173       7,404         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       11,798      12,179      12,337      12,676         XXX         XXX
06 1990       15,448      16,849      17,482      17,474         XXX         XXX
07 1991       16,410      17,755      18,363      18,948         XXX         XXX
08 1992       13,652      23,716      24,994      26,199         XXX         XXX
09 1993          XXX      17,909      27,623      29,813         XXX         XXX
10 1994          XXX         XXX      13,559      27,440         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      53,454      98,408     135,962     191,089     221,930
02 1986        3,519      14,848      32,178      49,140      63,782      72,157
03 1987          XXX       3,675      15,093      35,319      49,540      56,204
04 1988          XXX         XXX       1,736      17,586      29,217      42,048
05 1989          XXX         XXX         XXX       1,165       9,089      11,831
06 1990          XXX         XXX         XXX         XXX       1,489       4,382
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     256,493     297,676     334,606     356,680       4,318       4,518
02 1986       78,818      82,991      86,892      86,888       6,794       3,551
03 1987       65,511      75,441      79,356      79,857       5,601       2,317
04 1988       61,504      68,379      76,631      77,761       4,559       1,725
05 1989       26,959      37,859      42,748      45,397       3,707       1,605
06 1990       16,959      26,964      32,668      36,765       3,177       1,528
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      20,802      19,597     144,035      45,366
02 1994          XXX         XXX     267,418     299,726     233,758      77,341
03 1995          XXX         XXX         XXX     352,217     218,947      65,809

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          74         505         970       1,154       1,309
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       1,660       1,775        -458          77         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         347         546        -303         801       1,177
02 1986            0         317         481         692       1,005       1,024
03 1987          XXX        -127       3,519      10,460       9,597      10,396

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       2,283       2,869       3,111       3,683         XXX         XXX
02 1986        1,773       1,774       1,879       1,914         XXX         XXX
03 1987        8,392       9,324       9,166       9,061         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       7,527      13,250      15,870      23,466      28,497
02 1986          201       1,028       3,187       6,276      11,147      14,584
03 1987          XXX         199         908       2,104       3,068       4,965
04 1988          XXX         XXX       1,243       1,464       3,068       6,213
05 1989          XXX         XXX         XXX          50         899       1,098
06 1990          XXX         XXX         XXX         XXX         399        -234
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      33,167      35,924      34,779      35,133         182         785
02 1986       16,415      18,603      18,949      20,089         394         458
03 1987        4,915       6,626       8,573       9,272         268         270
04 1988        2,357       3,574       5,356       7,717         179         139
05 1989        2,265       3,364       3,796       4,350         127         117
06 1990         -610         903       1,169       2,406         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       3,124       1,314         991       1,221         912         608
02 1986       10,114       2,721       1,570         451         420         356
03 1987          XXX       4,465       2,138         397         398         453
04 1988          XXX         XXX       4,186       1,278         749         813
05 1989          XXX         XXX         XXX      11,301       1,847       1,168
06 1990          XXX         XXX         XXX         XXX       7,567       2,254
07 1991          XXX         XXX         XXX         XXX         XXX       7,529
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         362         333         246         249
02 1986           43          17          12          12
03 1987           99          72          -4           0
04 1988          -12           9          -8          -1
05 1989           -8         -94         -37          -5
06 1990         -557         -12        -102         -51
07 1991          709         234        -140         -29
08 1992       13,252         594        -124         -71
09 1993          XXX       9,847         788         -94
10 1994          XXX         XXX      10,280       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      12,707      12,249       7,495       2,115       1,214         445
02 1986       42,458      18,294       9,026       3,240         956       1,540
03 1987          XXX      41,116      14,325       6,412       2,894       1,182
04 1988          XXX         XXX      52,273      17,618       9,462       2,736
05 1989          XXX         XXX         XXX      73,655      24,460       6,365
06 1990          XXX         XXX         XXX         XXX      95,750      28,835
07 1991          XXX         XXX         XXX         XXX         XXX     100,408
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          47         854         903         838
02 1986          794        -885        -567          50
03 1987           51          18        -112        -542
04 1988          516         831         -44        -166
05 1989        1,209         729          22         -30
06 1990       10,754       5,946       4,289         493
07 1991       34,982      10,602       2,892         490
08 1992      120,061      35,739      14,114       5,996
09 1993          XXX     112,743      33,615      11,938
10 1994          XXX         XXX     130,847      35,211
11 1995          XXX         XXX         XXX     147,562

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      21,630      12,842       9,873       6,937       4,133       3,234
02 1986       40,974      27,187      14,441       8,975       3,664       3,094
03 1987          XXX      42,593      24,931      15,343       9,878       4,569
04 1988          XXX         XXX      36,559      19,417      11,589       4,960
05 1989          XXX         XXX         XXX      36,316      20,786       6,598
06 1990          XXX         XXX         XXX         XXX      39,785      16,538
07 1991          XXX         XXX         XXX         XXX         XXX      42,162
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 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       2,433         506         684         823
02 1986        2,278       1,459       1,497       2,786
03 1987        2,565       1,008         506         995
04 1988        3,906       2,031         209         -22
05 1989        8,699       5,984       2,242         534
06 1990       14,990       4,918       5,505       1,787
07 1991       22,338      19,232      14,765       6,111
08 1992       32,955      27,064      22,007       8,399
09 1993          XXX      54,535      28,005      12,630
10 1994          XXX         XXX      38,346      18,474
11 1995          XXX         XXX         XXX      30,171

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      72,683      54,725      44,190      49,705      34,390      26,318
02 1986       87,399      48,569      27,924      20,007      14,679      11,940
03 1987          XXX      85,751      34,637      24,607      19,294      14,624
04 1988          XXX         XXX     110,137      50,338      35,976      29,657
05 1989          XXX         XXX         XXX      96,353      51,114      31,674
06 1990          XXX         XXX         XXX         XXX      96,771      55,160
07 1991          XXX         XXX         XXX         XXX         XXX      83,929
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      19,887      17,293      19,041      14,961
02 1986        8,303       2,147       1,814       1,420
03 1987       12,865       5,075       2,890       2,599
04 1988       25,494      18,354       3,730       2,988
05 1989       23,695      13,397       7,463       5,162
06 1990       33,770      18,446       9,978       6,851
07 1991       51,943      30,583      15,042       7,931
08 1992       94,868      63,417      38,312      11,044
09 1993          XXX     108,984      84,109      68,266
10 1994          XXX         XXX     110,444      78,671
11 1995          XXX         XXX         XXX      84,806

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       2,989       2,739       2,763       2,499       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         118          79
07 1991          XXX         XXX         XXX         XXX         XXX         347
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           16         106         237         205
08 1992        1,059        -458        -416        -180
09 1993          XXX         164      -1,536        -819
10 1994          XXX         XXX         401      -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      93,532      58,576      47,149      60,508      51,726      50,985
02 1986      170,250     132,641     117,821      62,360      48,669      28,957
03 1987          XXX     144,548     110,923      80,178      55,378      38,547
04 1988          XXX         XXX      92,601      80,250      70,470      56,065
05 1989          XXX         XXX         XXX      66,748      55,426      48,969
06 1990          XXX         XXX         XXX         XXX      72,126      68,918
07 1991          XXX         XXX         XXX         XXX         XXX      95,940
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      47,434      45,106      83,026      84,839
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       60,525      58,820      32,652      26,048
08 1992       61,200      57,152      44,699      28,002
09 1993          XXX      84,851      60,757      48,815
10 1994          XXX         XXX      78,777      58,910
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      18,186       3,602       2,321
02 1994          XXX         XXX      20,940        -344
03 1995          XXX         XXX         XXX      19,225

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       2,131       5,533        -410
02 1994          XXX         XXX       3,597        -276
03 1995          XXX         XXX         XXX       9,187

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         158          27          32          34          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         175          25          25         565       1,729         540
02 1986        1,655       2,612       2,769       1,057       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      12,684      14,473      15,791      14,899       4,444       6,441
02 1986       45,659      42,728      37,037      27,561      15,634       9,568
03 1987          XXX      39,062      34,484      32,480      22,054      11,003
04 1988          XXX         XXX      25,111      14,647      14,927      10,648
05 1989          XXX         XXX         XXX      13,002       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       1,882       1,858       1,850
02 1986       25,333      29,562      29,768      30,701      30,736      30,748
03 1987          XXX      17,305      21,149      22,191      22,265      22,285
04 1988          XXX         XXX      15,928      20,968      21,140      21,187
05 1989          XXX         XXX         XXX      23,189      29,169      29,436
06 1990          XXX         XXX         XXX         XXX      18,612      23,854
07 1991          XXX         XXX         XXX         XXX         XXX      22,485
08 1992          XXX         XXX         XXX         XXX         XXX         XXX
09 1993          XXX         XXX         XXX         XXX         XXX         XXX
10 1994          XXX         XXX         XXX         XXX         XXX         XXX
11 1995          XXX         XXX         XXX         XXX         XXX         XXX

SCHEDULE P - PART 5A             - HOMEOWNERS/FARMOWNERS
SECTION 1
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            8           9          10          11          12          13
IN WHICH       1992        1993        1994        1995
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR       1,845       1,884       1,845       1,851
02 1986       30,756      30,762      30,765      30,765
03 1987       22,287      22,293      22,289      22,291
04 1988       21,205      21,220      21,228      21,232
05 1989       29,503      29,532      29,551      29,557
06 1990       24,094      24,183      24,213      24,222
07 1991       27,052      27,267      27,329      27,362
08 1992       16,948      21,100      21,309      21,355
09 1993          XXX      17,908      20,833      20,794
10 1994          XXX         XXX      20,752      22,632
11 1995          XXX         XXX         XXX      17,418

SCHEDULE P - PART 5A             - HOMEOWNERS/FARMOWNERS
SECTION 2
    1        NUMBER OF CLAIMS OUTSTANDING DIRECT AND ASSUMED AT YEAR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR          10         288         139          85          55          33
02 1986          742         217         106          59          30          14
03 1987          XXX         662         134          66          31          17
04 1988          XXX         XXX         670         125          67          37
05 1989          XXX         XXX         XXX         909         195          81
06 1990          XXX         XXX         XXX         XXX         900         220
07 1991          XXX         XXX         XXX         XXX         XXX         676
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          17          16          28          24
02 1986            9           6           1           1
03 1987            9           7           6           5
04 1988           23          10           7           1
05 1989           61          32          15           9
06 1990          113          48          21          11
07 1991          181         104          57          26
08 1992          586         192          77          50
09 1993          XXX       1,715         147          84
10 1994          XXX         XXX       1,726         156
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       26,234      30,219      30,366      31,269      31,599      31,607
03 1987          XXX      17,959      21,579      22,585      22,925      22,935
04 1988          XXX         XXX      16,612      21,386      21,886      21,917
05 1989          XXX         XXX         XXX      24,292      30,475      30,667
06 1990          XXX         XXX         XXX         XXX      20,493      25,355
07 1991          XXX         XXX         XXX         XXX         XXX      23,819
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       31,614      31,618      31,620      31,621
03 1987       22,938      22,942      22,941      22,942
04 1988       21,940      21,945      21,955      21,954
05 1989       30,748      30,803      30,814      30,817
06 1990       25,549      25,595      25,612      25,617
07 1991       28,177      28,359      28,406      28,419
08 1992       18,097      22,066      22,250      22,271
09 1993          XXX      21,154      23,326      23,205
10 1994          XXX         XXX      26,822      27,639
11 1995          XXX         XXX         XXX      22,483

SCHEDULE P - PART 5B             - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL
SECTION 1
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           0           0           0      25,665      38,232      38,470
02 1986       38,835      53,011      54,919      61,011      61,260      61,586
03 1987          XXX      37,297      51,664      60,713      61,547      62,056
04 1988          XXX         XXX      44,166      70,270      73,562      74,758
05 1989          XXX         XXX         XXX      70,340      99,382     104,255
06 1990          XXX         XXX         XXX         XXX      82,557     116,189
07 1991          XXX         XXX         XXX         XXX         XXX      92,749
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      40,070      38,209      39,035      39,041
02 1986       63,414      63,441      63,869      63,564
03 1987       63,817      63,873      64,428      64,142
04 1988       76,596      76,790      77,437      77,287
05 1989      106,998     107,608     108,328     107,039
06 1990      122,743     124,439     125,848     123,896
07 1991      129,562     135,171     136,867     135,203
08 1992      102,023     141,824     147,326     148,887
09 1993          XXX     120,706     163,194     180,607
10 1994          XXX         XXX     149,840     226,757
11 1995          XXX         XXX         XXX     184,452

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         375       1,425         763         558         384         129
02 1986       14,267       3,346       1,343         467         208          86
03 1987          XXX      16,044       3,830       1,394         617         246
04 1988          XXX         XXX      17,371       4,898       1,899         731
05 1989          XXX         XXX         XXX      27,913       6,165       2,038
06 1990          XXX         XXX         XXX         XXX      32,926       7,028
07 1991          XXX         XXX         XXX         XXX         XXX      32,588
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          87          58          42         111
02 1986           58          25          13           6
03 1987          126          50          20           9
04 1988          328         125          42          24
05 1989          906         301         121          75
06 1990        2,483         943         325         169
07 1991        6,749       2,182         832         426
08 1992       34,445       7,161       2,231       1,150
09 1993          XXX      44,719       9,149       4,022
10 1994          XXX         XXX      53,552      17,097
11 1995          XXX         XXX         XXX      78,228

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       67,954      77,485      78,538      90,193      90,140     792,448
03 1987          XXX      67,706      77,922      92,671      93,047      93,431
04 1988          XXX         XXX      79,432     107,827     109,116     109,745
05 1989          XXX         XXX         XXX     128,366     144,092     145,805
06 1990          XXX         XXX         XXX         XXX     151,771     170,388
07 1991          XXX         XXX         XXX         XXX         XXX     164,930
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 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       92,493      92,532      93,160      92,766
03 1987       95,366      95,424      96,253      95,898
04 1988      111,590     111,682     112,606     112,468
05 1989      147,931     148,190     149,095     149,032
06 1990      173,712     174,344     175,791     175,824
07 1991      187,044     189,410     190,811     186,799
08 1992      181,028     206,832     209,100     202,947
09 1993          XXX     223,497     251,563     249,468
10 1994          XXX         XXX     283,771     334,015
11 1995          XXX         XXX         XXX     341,995

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       1,089       1,481
02 1986        9,950      12,971      13,478      13,790      13,918      14,922
03 1987          XXX       8,666      11,878      12,537      12,786      14,107
04 1988          XXX         XXX       9,052      13,003      13,738      14,934
05 1989          XXX         XXX         XXX      10,368      13,991      15,354
06 1990          XXX         XXX         XXX         XXX       8,940      12,400
07 1991          XXX         XXX         XXX         XXX         XXX       7,645
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       1,495       1,141       1,345       1,354
02 1986       15,499      15,508      15,959      15,958
03 1987       14,782      14,893      15,550      15,389
04 1988       15,613      15,725      16,411      16,237
05 1989       16,214      16,415      17,003      17,009
06 1990       14,127      14,507      15,159      15,136
07 1991       11,284      11,950      13,121      13,141
08 1992        7,691      10,807      12,403      12,659
09 1993          XXX       8,774      13,698      14,654
10 1994          XXX         XXX      10,830      15,724
11 1995          XXX         XXX         XXX      10,664

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         669         272         143
02 1986        2,887       1,097         619         264         106          57
03 1987          XXX       2,767       1,020         442         223         133
04 1988          XXX         XXX       3,602       1,195         526         307
05 1989          XXX         XXX         XXX       3,208       1,243         720
06 1990          XXX         XXX         XXX         XXX       3,098       1,680
07 1991          XXX         XXX         XXX         XXX         XXX       3,342
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         100          77          76          79
02 1986           27          12           2           1
03 1987           60          25          10           5
04 1988          124          56          32          17
05 1989          322         146          67          32
06 1990          780         301         123          72
07 1991        1,512         622         300         145
08 1992        3,605       1,229         603         357
09 1993          XXX       4,256       1,838         954
10 1994          XXX         XXX       5,035       2,149
11 1995          XXX         XXX         XXX       4,908

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       15,041      17,483      17,752      17,877      17,890      19,353
03 1987          XXX      13,777      16,393      16,716      16,789      18,636
04 1988          XXX         XXX      15,805      18,437      18,712      20,252
05 1989          XXX         XXX         XXX      16,487      19,048      20,491
06 1990          XXX         XXX         XXX         XXX      14,309      17,938
07 1991          XXX         XXX         XXX         XXX         XXX      12,899
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       19,995      20,002      20,659      20,671
03 1987       19,355      19,377      20,336      20,132
04 1988       20,889      20,907      21,883      21,642
05 1989       21,093      21,147      21,929      21,937
06 1990       19,052      19,013      19,467      19,384
07 1991       15,708      15,620      17,062      17,004
08 1992       13,307      15,090      16,853      16,988
09 1993          XXX      16,144      21,068      21,495
10 1994          XXX         XXX      20,773      25,294
11 1995          XXX         XXX         XXX      19,580

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      71,668      72,635      73,143
03 1987          XXX      25,727      35,835      66,401      68,015      68,951
04 1988          XXX         XXX      26,809      62,637      65,075      66,792
05 1989          XXX         XXX         XXX      43,673      59,642      62,482
06 1990          XXX         XXX         XXX         XXX      43,840      58,072
07 1991          XXX         XXX         XXX         XXX         XXX      37,560
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       73,423      73,564      73,681      73,757
03 1987       69,489      69,764      69,965      70,066
04 1988       67,664      68,104      68,455      68,638
05 1989       64,283      65,101      65,651      65,960
06 1990       61,462      63,494      64,593      65,222
07 1991       50,821      54,068      56,225      57,411
08 1992       37,104      50,024      52,981      54,629
09 1993          XXX      35,425      47,805      50,004
10 1994          XXX         XXX      38,068      51,189
11 1995          XXX         XXX         XXX      35,216

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      10,345       7,647       5,439       4,861       3,385
02 1986       13,484       6,057       3,823       2,336       1,383         826
03 1987          XXX      15,460       6,242       4,015       2,424       1,412
04 1988          XXX         XXX      15,786       6,462       4,222       2,348
05 1989          XXX         XXX         XXX      14,834       6,529       3,803
06 1990          XXX         XXX         XXX         XXX      15,449       7,537
07 1991          XXX         XXX         XXX         XXX         XXX      15,334
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       2,844       2,604       2,328       1,771
02 1986          504         356         281         211
03 1987          808         545         382         292
04 1988        1,347         916         560         393
05 1989        2,094       1,305         810         514
06 1990        4,517       2,566       1,514         914
07 1991        7,819       4,728       2,673       1,515
08 1992       14,288       6,152       3,572       1,947
09 1993          XXX      13,730       5,049       3,003
10 1994          XXX         XXX      14,349       5,667
11 1995          XXX         XXX         XXX      12,146

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      81,529      81,675      81,754
03 1987          XXX      33,394      43,351      78,673      78,970      79,097
04 1988          XXX         XXX      36,313      77,102      77,798      78,025
05 1989          XXX         XXX         XXX      60,674      69,432      70,041
06 1990          XXX         XXX         XXX         XXX      62,857      70,258
07 1991          XXX         XXX         XXX         XXX         XXX      55,714
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       81,714      81,738      81,828      81,845
03 1987       79,061      79,112      79,234      79,264
04 1988       78,078      78,153      78,238      78,268
05 1989       70,252      70,363      70,478      70,516
06 1990       70,879      71,112      71,260      71,325
07 1991       62,576      63,100      63,372      63,463
08 1992       54,006      59,951      60,524      60,679
09 1993          XXX      51,920      56,504      56,841
10 1994          XXX         XXX      55,541      61,114
11 1995          XXX         XXX         XXX      50,331

SCHEDULE P - PART 5E             - COMMERICAL MULTIPLE PERIL
SECTION 1
    1   CUMULATIVE NO OF CLAIMS CLOSED WITH LOSS PAYMENT DIRECT & ASSUMED YR END
YEARS            2           3           4           5           6           7
IN WHICH       1986        1987        1988        1989        1990        1991
PREMS WERE
EARNED &
LOSSES INC
01 PRIOR           6           0           0       1,967       2,074       2,136
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       2,220       2,245       3,114       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          25       2,015       1,293         882         559         423
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       1,521         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         297         225         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      14,227      14,829      14,293
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           4           0           0       4,452       4,647       4,748
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       3,632       3,801
05 1989          XXX         XXX         XXX       2,104       3,079       3,305
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       4,848       4,936       4,908       4,932
02 1986        6,672       6,703       6,666       6,702
03 1987        5,279       5,408       5,426       5,461
04 1988        3,922       4,036       4,073       4,086
05 1989        3,491       3,634       3,692       3,707
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       1,603       3,244       3,003       2,156       1,821       1,766
02 1986        2,126       1,284         921         619         406         263
03 1987          XXX       1,473       1,010         639         472         298
04 1988          XXX         XXX       1,049         707         563         400
05 1989          XXX         XXX         XXX         826         622         536
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       2,005       2,137       2,338       3,441
02 1986          197         158         158         140
03 1987          204         148         120          84
04 1988          255         141         104          75
05 1989          373         221         144          88
06 1990          446         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      10,873      11,425      11,407
03 1987          XXX       5,204       7,281       7,815       8,314       8,277
04 1988          XXX         XXX       4,218       5,619       6,168       6,336
05 1989          XXX         XXX         XXX       3,372       4,677       4,998
06 1990          XXX         XXX         XXX         XXX       2,725       4,030
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       11,449      11,509      11,498      11,564
03 1987        8,351       8,544       8,709       8,634
04 1988        6,440       6,569       6,753       6,654
05 1989        5,188       5,308       5,485       5,403
06 1990        4,384       4,639       4,978       4,832
07 1991        3,685       4,287       4,721       4,563
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       1,107       1,003       1,140
02 1986          151         123          89         130          94         164
03 1987          XXX          73          52          88          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         758         803       1,336
03 1987          XXX         257         386         481         408         796
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        1,381       1,051       1,116       1,141
03 1987          823         629         714         728
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     171,139     188,272     189,583
10 1994          XXX         XXX     178,461     193,246
11 1995          XXX         XXX         XXX     177,173

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      60,086      68,032      65,088
10 1994          XXX         XXX      59,289      66,604
11 1995          XXX         XXX         XXX      48,696

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     603,250     614,008     614,005
10 1994          XXX         XXX     627,994     636,343
11 1995          XXX         XXX         XXX     493,870

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      36,911      46,897      46,055
10 1994          XXX         XXX      30,094      29,638
11 1995          XXX         XXX         XXX      25,001

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