━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
region  line      layer    year │   premium       loss  loss ratio
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
North   Auto      Primary  2023 │ 1,685,659  1,812,850       75.8%
                           2024 │ 3,736,620  2,069,652       58.1%
                           2025 │ 2,629,613    703,032       71.8%
                  ────────────────────────────────────────────────
                  Excess   2023 │ 3,762,735  1,337,288       78.6%
                           2024 │ 1,869,285  1,892,614       52.7%
                           2025 │ 1,254,706  1,483,455       76.7%
        ──────────────────────────────────────────────────────────
        Property  Primary  2023 │ 3,378,472  2,916,217       60.6%
                           2024 │ 1,018,794  1,867,262       80.9%
                           2025 │ 2,941,794  1,580,167       65.4%
                  ────────────────────────────────────────────────
                  Excess   2023 │ 2,215,459  1,560,134       87.3%
                           2024 │   411,526  1,981,135       87.5%
                           2025 │   339,373  1,848,622       68.8%
──────────────────────────────────────────────────────────────────
South   Auto      Primary  2023 │ 2,213,210  2,767,549       91.6%
                           2024 │ 2,756,053  2,494,602       55.9%
                           2025 │   245,101    570,301       83.3%
                  ────────────────────────────────────────────────
                  Excess   2023 │ 3,726,887  1,994,565       75.2%
                           2024 │   508,432  1,500,128       68.4%
                           2025 │ 1,863,355  2,980,602       48.7%
        ──────────────────────────────────────────────────────────
        Property  Primary  2023 │ 2,691,917  2,038,178       89.7%
                           2024 │ 3,531,242  2,609,650       73.2%
                           2025 │ 3,155,270  2,381,607       63.5%
                  ────────────────────────────────────────────────
                  Excess   2023 │   477,696  1,684,684       45.5%
                           2024 │   509,292  2,969,595       58.3%
                           2025 │ 3,249,885    477,932       75.8%
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
