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## Specialty 

The following table presents further detail of the development recorded for the Specialty segment. 

<img src='content_image/1026442.jpg'>

## 2019 

Unfavorable development in medical professional liability was primarily due to higher than expected severity in accident years 2016 through 2018 in our aging services business, higher than expected severity in accident year 2013 in our allied healthcare business, unfavorable outcomes on individual claims and higher than expected severity in accident year 2017 in our dentists business. 

Favorable development in other professional liability and management liability was primarily due to lower than expected claim frequency and favorable outcomes on individual claims in accident years 2017 and prior related to financial institutions, lower than expected large claim losses in recent accident years in our public company directors and officers liability (D&O) business and lower than expected loss adjustment expenses across accident years 2010 through 2018. 

Favorable development in surety was due to lower than expected frequency for accident years 2018 and prior. 

Favorable development in warranty was due to lower than expected paid loss emergence on vehicle products. 

## 2018 

Unfavorable development in medical professional liability was primarily due to higher than expected severity in accident years 2014 and 2017 in our hospitals business. Additionally, there was higher than expected frequency and severity in aging services in accident years 2014 through 2017 combined, partially offset by lower than expected frequency in accident year 2015. 

Favorable development in other professional liability and management liability was primarily due to lower than expected claim frequency in recent accident years related to financial institutions and professional liability errors and omissions (E&O), favorable severity in accident years 2015 and prior related to professional liability E&O and favorable outcomes on individual claims in financial institutions in accident years 2013 and prior. 

Favorable development in surety was due to lower than expected loss emergence for accident years 2017 and prior. 

