Old Republic International Corporation Business Overview
OLD REPUBLIC INTERNATIONAL CORPORATION
Business Profile
Unique combination of Specialty P&C and Title segments offers diversification and supports our brand
around customer service, financial strength, underwriting & trust
OLD REPUBLIC GENERAL INSURANCE GROUP
OLD REPUBLIC TITLE INSURANCE GROUP
General Insurance
$4.0 billion of 2021 operating revenue
Steady, 96 combined ratio over 15 years
■ 41 of 50 years below industry combined ratio
Expertise in core specialty niches
■ Diversified exposures; casualty oriented
■ Differentiated by customer service
■ 51% of consolidated 2021 pre-tax operating
income
Title Insurance
$4.4 billion of 2021 operating revenue
■ Consistent low 90's combined ratios
■ Less capital intensive
■ 3rd largest player in concentrated industry
Agency (78%) & direct (22%) distribution
44% of consolidated 2021 pre-tax operating
income
General
Insurance
51%
Title
Insurance
44%
Based on 2021 Pre-Tax Operating Income
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