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American Physicians Capital, Inc. Reports Third Quarter 2007 Results
Date:10/25/2007

ed were not as great as the declines in direct premiums written due to the reinsurance terms in place for 2007 whereby APCapital retained a greater portion of loss exposure and ceded less premium.

The 2007 third quarter loss ratio was 51.3% with $8.0 million of positive development from prior accident years. For the nine months ended September 30, 2007, the loss ratio was 50.7% with $25.1 million of positive prior year development. On an accident year basis, the loss ratio in the third quarter of 2007 was 73.7%, up slightly from the 73.3% reported in the third quarter of 2006. Year-to-date the accident loss ratio was 74.5% in 2007 as compared to 75.8% in 2006. This accident year loss ratio reflects the strong book-of- business we have developed and our adherence to an adequate pricing and strict underwriting philosophy.

We continue to experience favorable development in our reserves. The number of reported claims in the third quarter of 2007 was 191 down 35.7% from the 297 reported in the third quarter of 2006. Year-to-date there have been 707 claims reported in 2007 as compared to 901 through September 30, 2006 --- a 21.5% decrease. Claim severity has remained relatively stable and claims have been settling for amounts below established case reserves. As a result of this better than anticipated claim frequency and severity, prior year reserves have continued to develop favorably.

The underwriting expense ratio increased in the third quarter of 2007 to 20.5% from 19.5% in the third quarter of 2006. The 2007 year-to-date underwriting expense ratio was 21.1%, up from 20.2% a year ago. The increases in the underwriting ratio were principally the result of our lower premium volume giving APCapital a smaller base over which to spread its fixed costs. Other expenses in 2007 for the third quarter and year-to-date were approximately the same as a year ago.

Investment income

Investment income was down slightly in the third quarter of 2007 and ye
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SOURCE American Physicians Capital, Inc.
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