Quarterly Performance Breakdown The quarter saw a broad-based improvement in the company's core metrics. Net written premium rose 14% to $372.9 million, driven mainly by a 20% increase in core commercial lines. This reflects both a 7.6% rise in pricing and high retention on policy renewals, with renewal premium increases averaging 9.4% and growth outpacing loss trends. The combined ratio—a key measure in insurance that compares losses and expenses to premiums—fell 9.2 points to 96.4%. A combined ratio under ...