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LMG Presentation to International Insurance Society

LMG Presentation to International Insurance Society. 2005. WC Other Commercial Lines Personal Lines. Liberty Mutual’s Current Business Mix. Source: Net Written Premium; 2005 Liberty Mutual MD&A; Personal Lines includes Personal Auto and Home.

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LMG Presentation to International Insurance Society

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  1. LMG Presentation to International Insurance Society

  2. 2005 WC Other Commercial Lines Personal Lines Liberty Mutual’s Current Business Mix Source: Net Written Premium; 2005 Liberty Mutual MD&A; Personal Lines includes Personal Auto and Home

  3. 2005 Property and Casualty InsuranceTop 10 U.S. Writers DWP ($ millions) Market Share 1 State Farm $48,762 10.2% 2 American International Group 35,138 7.3% 3 Zurich Farmers 27,332 5.7% 4 Allstate 27,320 5.7% 5 St. Paul Travelers 21,495 4.5% 6 Liberty Mutual Group 16,558 3.5% 7 Nationwide 15,251 3.2% 8 Progressive 14,298 3.0% National Indemnity 13,488 2.8% 9 Hartford Financial Services 12,259 2.6% 10 Personal Lines Companies Source: OneSource

  4. Progressive vs. S&P Insurance Index5-Year Stock Price Performance Progressive S&P Insurance Index Source: CNBC.com

  5. Personal Auto Premium Trend Source: OneSource; 2000 and 2005 Direct Written Premium

  6. Progressive vs. Industry Combined Ratio Trend 2000-2005 P&C Auto Progressive Source: OneSource

  7. Monoline Insurance Company5-Year Stock Price Performance Infinity Property & Casualty Progressive Mercury General Commerce Group S&P Insurance Index Source: CNBC.com

  8. Personal Lines Premium(% of P&C Industry Premium) 2005 DWP, $ Billions Personal Lines $221 Other Lines 258 Industry Total $479 Source: OneSource; 2005 Direct Written Premium. Personal Lines includes the following: Personal Auto and Home

  9. 2005 Top 10 Property Writers DWP ($ millions) Market Share American International Group 1 $2,941 9.6% 2 FM Global 2,726 8.9% 3 St Paul Travelers Companies 2,179 7.1% 4 1,467 4.8% Zurich Ins Co Group 5 Continental Casualty Group 1,252 4.1% 6 Assurant Group 1,134 3.7% 7 Hartford Fire Group 923 3.0% 8 Liberty Mutual Group 804 2.6% 9 Chubb 696 2.3% 10 Ace American Ins Co 692 2.2% 48.1% Source: OneSource; 2005 Direct Written Premium. Property includes the following: Fire, Allied, Inland Marine and Boiler & Machinery

  10. Property Lines Premium(% of P&C Industry Premium) Property Lines % of P&C Industry DWP of Leading Property Lines Companies 2005 DWP, $ Billions Property Lines $31 Other Lines 448 Industry Total $479 Source: OneSource; 2005 Direct Written Premium. Property includes the following: Fire, Allied, Inland Marine and Boiler & Machinery

  11. Personal Auto Premium Trend Source: OneSource; 2000 and 2005 Direct Written Premium

  12. Personal Lines Premium Trend 1996-2005 CAGR1996-05 4.4% Auto 8.7% Home Source: OneSource

  13. Personal Lines Rate Increase Trend Source: Insurance Information Institute

  14. Top Ten Personal Auto Insurers1984, 1994, 2004 Source: CSFB 2005 Property-Casualty Insurance Primers; Rankings are based on Personal Auto DWP for each of the years shown

  15. Personal Auto Combined Ratio Trend 2000-2005 Source: OneSource and Personal Market Finance for LMG

  16. P&C Insurance Advertising Expense Trend 2002-2005 Source: 2002-2004 is based on CSFB Property-Casualty Industry Primer 2005; 2005 numbers are based on 2004-05 growth rate of the following: GEICO 40%, State Farm 27%, Allstate 13%, Progressive 2%

  17. Industry Personal Auto Combined Ratio Trend 1976-2005 Source: OneSource

  18. General Electric Cigna Reliance CNA Kemper W.R. Berkley Continental Foremost USF&G St. Paul General Accident Commercial Union Allied Guide One Prudential Royal & Sun Insurance Carriers Who Withdrew from Personal Auto Source: CSFB Property Casualty Insurance Primers

  19. WC Other Commercial Lines Personal Lines Liberty Mutual’s Business Mix1985, 1995, 2005 1985 1995 2005 Source: Net Written Premium; 1985 Liberty Mutual Annual Report, OneSource, 2005 Liberty Mutual MD&A; Personal Lines includes Personal Auto and Home

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