A
St Paul Fire & Marine Ins Co
Rating Date
April 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
2.10
Risk Adjusted
Capital Ratio #2
1.50
Loss
Ratio
71.49%
Total
Assets
26.28B
Capital
7.29B
Net
Premiums
8.86B
Net
Income
528.10M
My Lists My Alerts
Auto Physical Damage
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
172,789
13,917
186,706
7.45%
22.82%
2022
171,009
14,052
185,061
7.59%
23.10%
2021
152,916
12,036
164,952
7.30%
22.81%
2020
134,294
10,770
145,064
7.42%
21.51%
2019
161,326
14,124
175,450
8.05%
22.66%
2018
162,408
17,052
179,460
9.50%
21.92%
Commercial Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
4,905
7,542
12,447
60.59%
47.27%
2022
4,699
6,821
11,520
59.21%
45.41%
2021
4,776
5,941
10,717
55.44%
44.40%
2020
5,231
6,062
11,293
53.68%
42.42%
2019
7,688
7,295
14,983
48.69%
44.33%
2018
8,000
8,867
16,867
52.57%
44.16%
Commercial Multiple Peril
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
3,986
4,034
8,020
50.30%
38.64%
2022
3,960
3,847
7,807
49.28%
39.39%
2021
4,391
4,583
8,974
51.07%
40.41%
2020
4,634
7,368
12,002
61.39%
48.09%
2019
4,899
8,501
13,400
63.44%
43.30%
2018
5,108
5,954
11,062
53.82%
41.13%
Homeowners & Farmowners
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
50,959
3,459
54,418
6.36%
36.96%
2022
41,772
2,753
44,525
6.18%
37.08%
2021
44,236
3,232
47,468
6.81%
39.17%
2020
43,030
2,216
45,246
4.90%
35.42%
2019
35,768
1,827
37,595
4.86%
35.34%
2018
37,744
1,889
39,633
4.77%
34.35%
Medical Professional Liability (Claims Made)
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2018
0
0
0
0.00%
94.39%
Medical Professional Liability (Occurrence)
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
0
0
0
0.00%
92.52%
2022
0
0
0
0.00%
92.14%
2021
0
0
0
0.00%
91.74%
2020
0
0
0
0.00%
93.85%
2019
0
0
0
0.00%
93.92%
Other Liability: Claims Made
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
66
45
111
40.54%
74.81%
2022
71
49
120
40.83%
73.22%
2021
71
37
108
34.26%
79.01%
2020
72
38
110
34.55%
80.13%
2019
72
30
102
29.41%
77.47%
2018
76
29
105
27.62%
77.10%
Other Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
389
1,697
2,086
81.35%
16.34%
2022
416
1,526
1,942
78.58%
11.13%
2021
456
927
1,383
67.03%
18.93%
2020
488
890
1,378
64.59%
20.93%
2019
625
1,561
2,186
71.41%
16.90%
2018
606
1,836
2,442
75.18%
11.94%
Private Passenger Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
26,213
6,462
32,675
19.78%
44.64%
2022
24,474
6,989
31,463
22.21%
46.15%
2021
22,826
5,330
28,156
18.93%
46.87%
2020
21,447
3,987
25,434
15.68%
43.90%
2019
30,307
5,518
35,825
15.40%
42.09%
2018
32,377
5,411
37,788
14.32%
39.60%
Product Liability: Claims Made
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
0
0
0
0.00%
68.07%
2022
0
1
1
100.00%
77.84%
2021
0
0
0
0.00%
84.45%
2020
0
0
0
0.00%
83.02%
2019
0
0
0
0.00%
81.57%
2018
1
2
3
66.67%
88.64%
Product Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
27
89
116
76.72%
62.55%
2022
25
84
109
77.06%
56.52%
2021
42
65
107
60.75%
62.74%
2020
39
69
108
63.89%
61.51%
2019
43
134
177
75.71%
70.02%
2018
43
148
191
77.49%
70.45%
Workers' Compensation
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
11,784
4,347
16,131
26.95%
35.70%
2022
12,184
5,130
17,314
29.63%
37.14%
2021
12,128
2,567
14,695
17.47%
35.46%
2020
11,603
4,158
15,761
26.38%
33.86%
2019
16,507
3,054
19,561
15.61%
34.01%
2018
16,404
3,129
19,533
16.02%
32.34%