Mercury Insurance 2015 Annual Report Download - page 14

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The Company offers the following types of homeowners coverage: dwelling, liability, personal property, fire, and other
hazards.
The following table presents the Company's published maximum limits of liability, net of reinsurance:
Insurance type Published maximum limits of liability
Private Passenger Automobile - bodily injury (BI) $250,000 per person; $500,000 per accident (1)
Private Passenger Automobile - property damage $250,000 per accident (1)
Commercial Automobile (combined policy limits) $1,000,000 per accident
Homeowner property no maximum (2) (3)
Homeowner liability $1,000,000 (3)
Umbrella liability $5,000,000 (4)
(1) The majority of the Company’s automobile policies have liability limits that are equal to or less than $100,000 per
person and $300,000 per accident for BI and $50,000 per accident for property damage.
(2) The Company obtains facultative reinsurance above a Company retention limit of up to $7 million.
(3) The majority of the Company’s homeowner policies have liability limits of $300,000 or less and a replacement value
of $500,000 or less.
(4) The majority of the Company’s umbrella policies have liability limits of $1,000,000.
The principal executive offices of Mercury General are located in Los Angeles, California. The home office of the Insurance
Companies and the information technology center are located in Brea, California. The Company also owns office buildings in
Rancho Cucamonga and Folsom, California, which are used to support California operations and future expansion, and in
Clearwater, Florida and in Oklahoma City, Oklahoma, which house Company employees and several third party tenants. The
Company has approximately 4,300 employees. The Company maintains branch offices in a number of locations in California;
Clearwater, Florida; Bridgewater, New Jersey; Oklahoma City, Oklahoma; and Austin and San Antonio, Texas.
The Company consolidated its non-California office based claims and underwriting operations into hubs located in
Clearwater, Florida; Bridgewater, New Jersey; and Austin, Texas, which resulted in a net workforce reduction of approximately
135 employees and a $10 million pre-tax expense in the first quarter of 2013.
Available Information
The Company’s website address is www.mercuryinsurance.com. The Company's website address is not intended to function
as a hyperlink and the information contained on the Company’s website is not, and should not be considered part of, and is not
incorporated by reference into, this Annual Report on Form 10-K. The Company makes available on its website its Annual Reports
on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K, Proxy Statements, and amendments to such
periodic reports and proxy statements (the "SEC Reports") filed with or furnished to the Securities and Exchange Commission
(the "SEC") pursuant to Section 13(a) or 15(d) of the Securities ExchangeAct of 1934, as amended, as soon as reasonably practicable
after each SEC Report is filed with or furnished to the SEC. In addition, copies of the SEC Reports are available, without charge,
upon written request to the Company’s Chief Financial Officer, Mercury General Corporation, 4484 Wilshire Boulevard, Los
Angeles, California 90010. The Company's SEC Reports may be read and copied at the SEC's Public Reference Room at 100 F
Street, NE, Washington, DC 20549. Information on the operation of the Public Reference Room can be obtained by calling the
SEC at 1-800-SEC-0330. The SEC also maintains a website at www.sec.gov that contains the SEC Reports that the Company has
filed or furnished electronically with the SEC.
Organization
Mercury General, an insurance holding company, is the parent of Mercury Casualty Company, a California automobile
insurer founded in 1961 by George Joseph, the Company’s Chairman of the Board of Directors.