2016 Q4 & Year End Earnings Conference Call

Fourth quarter and full-year 2016 earnings results for a property & casualty insurance company, reporting net income per diluted share of $0.46 for Q4 and $1.93 for the full year. The P&C segment achieved $1 billion in gross written premium for the first time in company history, though core loss ratios deteriorated due to increased large losses in commercial auto and property lines. 2017 strategies focus on improving profitability through rate increases and loss control initiatives.