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Kemper KMPR Specialty Personal Automobile Insurance—Physical Damage — Year 1
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Where this comes from
Reported directly by Kemper in its filing.
Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.
The source filing: Kemper’s 10-K, filed February 11, 2026.
- Filed
- Feb 10, 2026, 7:00 PM EST
- Fiscal year
- FY2025
- Accession
- 0000860748-26-000014
| Years | 1 | 2 | 3 | 4 | 5 |
| Specialty Personal Automobile Insurance—Liability | 37.2% | 77.0% | 89.6% | 94.3% | 96.8% |
| Specialty Personal Automobile Insurance—Physical Damage | 94.7 | 100.0 | 100.0 | 99.8 | 99.8 |
| Commercial Automobile Insurance—Liability | 19.1 | 46.6 | 65.6 | 79.2 | 91.6 |
| Commercial Automobile Insurance—Physical Damage | 87.2 | 100.0 | 100.0 | 100.0 | 100.0 |
| Non-Core Preferred Personal Automobile Insurance—Liability | 30.8 | 62.0 | 80.1 | 89.9 | 94.8 |
| Non-Core Preferred Personal Automobile Insurance—Physical Damage | 97.3 | 100.0 | 100.0 | 100.0 | 100.0 |
| Non-Core Homeowners Insurance | 67.5 | 93.0 | 97.1 | 98.4 | 98.8 |
Item 8. Financial Statements and Supplementary Data.
FAQ
- What is Kemper's specialty personal automobile insurance—physical damage — year 1?
- Kemper (KMPR) reported specialty personal automobile insurance—physical damage — year 1 of 94.7% in Q4 2025.
- How has Kemper's specialty personal automobile insurance—physical damage — year 1 changed year-over-year?
- Kemper's specialty personal automobile insurance—physical damage — year 1 increased by 1.8% year-over-year, from 93% to 94.7%.
- What does specialty personal automobile insurance—physical damage — year 1 mean?
- This metric represents the loss development or claims experience specifically for the first year following the accident year in the specialty personal auto physical damage segment. It is used in actuarial triangles to analyze the speed and pattern of claims reporting and settlement. Investors monitor this to identify early-stage trends in claims severity or frequency that may impact future profitability.
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