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- Adjusted loss and LAE ratio improvement = 3.8 points +
- Adverse development from 2019 accident year = $14.5 million +
- Catastrophe losses from Hurricane Ian and Winter Storm Elliott = 2022: 1.1 points +
- Catastrophe losses from tornadoes, Hurricane Ida, winter storms = 2021: 2.4 points +
- Increase in net earned premiums = +USD 116.2m +
- LPT prior accident year development impact = 2022: 1.4 points +
- Loss and LAE ratio improvement = 5.6 points +
- Net earned premiums = 2022: USD 616.0m +
- Net incurred losses for accident years 2021 and prior = unfavorably by $14.4 million +