Fidelity Bonds, 2007-2016

($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2007 $1,239,760 -0.1% 76.5 10.7 pts.
2008 1,140,617 -8.0 84.2 7.7
2009 1,098,372 -3.7 105.4 21.2
2010 1,082,534 -1.4 95.8 -9.6
2011 1,098,225 1.4 102.0 6.2
2012 1,096,406 -0.2 99.4 -2.6
2013 1,124,199 2.5 92.9 -6.5
2014 1,165,280 3.7 92.9 (4)
2015 1,161,375 -0.3 77.3 -15.7
2016 1,093,913 -5.8 80.1 2.8
(1) After reinsurance transactions, excludes state funds. (2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration. (3) Calculated from unrounded numbers. (4) Less than 0.1 point. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.