Financial Data for
Conifer Insurance Company

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FEIN 38--272590
NAIC# 29734
A.M. Best Rating * B++
State of Domicile MI , USA
Location of Main
Admin. Offices		 Southfield, MI
Incorporation Date 10/20/1987
Parent Conifer Holdings, Inc.
Website http://www.coniferinsurance.com

YEAR201220112010200920082007
Total Admitted Assets30,368,15224,902,65417,213,67610,534,4889,653,8529,716,325
Total Liabilities15,134,0239,612,2791,321,7081,788,6041,328,6561,662,123
Capital & Surplus15,234,12915,290,37515,891,9688,745,8848,325,1968,054,202
Premiums and Agent's Balances1,847,7831,573,138186,11954,49658,41368,547
Losses5,522,3143,125,669365,982411,428318,519316,678
Loss Adjustment Expenses2,125,6441,438,841515,461499,545514,890487,578
Underwriting Gain/Loss(1,803,567)(3,525,108)(166,248)48,670326,458283,007
Net Income (Loss) After Tax(1,072,419)(2,630,153)176,305416,778524,637482,872
Cash Flow From Operations4,050,7643,339,215(42,469)379,933606,522583,954
Unrealized Capital Gains (Losses)126,78320,97042,296368(366)0
Gross Premium13,517,83413,569,642713,486471,047627,192744,114
Net Premium12,745,84813,128,351439,553471,047627,192744,114
Gross Premium to Surplus Ratio88.7% 88.7% 4.5% 5.4% 7.5% 9.2%
Net Premium to Surplus Ratio83.7% 85.9% 2.8% 5.4% 7.5% 9.2%
Direct Premium - National13,381,2284,047,771631,210363,057536,733674,625
Direct Premium - Florida (Sch. T)1,543,017553,3240000
% of Direct Premium in Florida11.5% 13.7% 0.0% 0.0% 0.0% 0.0%
Rank Among all eligible InsurersN/AN/AN/AN/AN/AN/A
Combined Ratio118.0% 140.0% 132.0% 92.0% 55.0% 61.0%
Losses Incurred Ratio 48.0% 56.0% 6.0% 24.0% 3.0% 8.0%
Loss Expenses Incurred Ratio17.0% 17.0% 54.0% 32.0% 22.0% 18.0%
Other U/W Expenses Incurred Ratio53.0% 67.0% 72.0% 36.0% 30.0% 35.0%




(38--272590)
Quarterly Financial Data (2012) for
Conifer Insurance Company

QUARTER2012-Q12012-Q22012-Q3
Total Admitted Assets26,318,92926,653,77127,370,682
Total Liabilities11,004,74411,528,08912,355,184
Capital & Surplus15,314,18515,125,68215,015,498
Premiums and Agent's Balances1,882,8001,944,5122,160,986
Losses3,930,9764,570,8345,070,058
Loss Adjustment Expenses1,872,5812,041,4141,784,613
Underwriting Gain/Loss(418,377)(700,868)(915,129)
Net Income (Loss) After Tax(150,461)(185,131)(237,962)
Cash Flow From Operations620,2951,132,8632,034,722
Unrealized Capital Gains (Losses)117,16788,088117,908
Gross Premium2,624,7585,161,0937,809,173
Net Premium2,507,1314,874,4667,264,022
Direct Premium - National2,350,2854,680,4488,476,473
Direct Premium - Florida (Sch. T)206,238298,429846,061

Major Lines of Business in US (2011)
1 Other private passenger auto liability
2 Commercial multiple peril (liability portion)
3 Commercial multiple peril (non-liability portion)
4 Other liability - claims-made
5 Other liability - occurrence
Major Lines of Business in FL (2011)
1 Comm multiple peril (liab portion)
2 Comm multiple peril (non-liab portion)
3 Other liability - occurrence
4 Homeowners multiple peril
5 Fire

*A.M. Best Ratings are current as of 5/20/2013

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