Information About Segments of Business - The Company is engaged in the single business of insurance underwriting and related services. It conducts its' operations through a number of regulated insurance company subsidiaries organized into three major segments, namely its' General Insurance (property and liability insurance), Title Insurance and the Republic Financial Indemnity Group Run-off Business. The results of a small life and accident insurance business are included with those of the parent holding company and its internal corporate services subsidiaries. Each of the Company's segments underwrites and services only those insurance coverages which may be written by it pursuant to state insurance regulations and corporate charter provisions. The Company does not derive over 10% of its consolidated revenues from any one customer. Revenues and assets connected with foreign operations are not significant in relation to consolidated totals. The General Insurance Group provides property and liability insurance primarily to commercial clients. Old Republic does not have a meaningful participation in personal insurance coverages. Commercial automobile (trucking) and workers' compensation are the largest types of coverages underwritten by the General Insurance Group, accounting for 34.2% and 28.4% , respectively, of the Group's direct premiums written in 2019 . The remaining premiums written by the General Insurance Group are derived largely from a wide variety of coverages, including general liability, general aviation, directors and officers indemnity, fidelity and surety indemnities, and home and auto warranties. The title insurance business consists primarily of the issuance of policies to real estate purchasers and investors based upon searches of the public records which contain information concerning interests in real property. The policy insures against losses arising out of defects, loans and encumbrances affecting the insured title and not excluded or excepted from the coverage of the policy. Private mortgage insurance produced by the RFIG Run-off Business protects mortgage lenders and investors from default related losses on residential mortgage loans made primarily to homebuyers who make down payments of less than 20% of the home's purchase price. The RFIG Run-off mortgage guaranty operations insures only first mortgage loans, primarily on residential properties having one-to-four family dwelling units. The accounting policies of the segments parallel those described in the summary of significant accounting policies pertinent thereto. Segmented and Consolidated Results Years Ended December 31: 2019 2018 2017 General Insurance (a): Net premiums earned $ 3,432.4 $ 3,277.1 $ 3,110.8 Net investment income and other income 488.4 462.3 420.8 Total revenues excluding investment gains (losses) $ 3,920.8 $ 3,739.4 $ 3,531.6 Segment pretax operating income (loss) (b) $ 370.2 $ 363.9 $ 340.3 Income tax expense (credits) on above $ 69.9 $ 62.6 $ 170.6 Title Insurance: Net premiums earned $ 1,993.2 $ 1,885.6 $ 1,827.6 Title, escrow and other fees 495.9 450.5 459.5 Sub-total 2,489.2 2,336.1 2,287.2 Net investment income and other income 42.1 39.2 37.8 Total revenues excluding investment gains (losses) $ 2,531.3 $ 2,375.4 $ 2,325.0 Segment pretax operating income (loss) (b) $ 230.8 $ 219.3 $ 237.1 Income tax expense (credits) on above $ 49.5 $ 46.2 $ 79.7 RFIG Run-off Business (a): Net premiums earned $ 59.2 $ 75.9 $ 122.9 Net investment income and other income 17.6 20.1 21.7 Total revenues excluding investment gains (losses) $ 76.8 $ 96.1 $ 144.6 Segment pretax operating income (loss) (d) $ 30.3 $ 49.9 $ (73.5 ) Income tax expense (credits) on above $ 5.8 $ 10.1 $ (77.0 ) Consolidated Revenues: Total revenues of above Company segments $ 6,529.1 $ 6,211.0 $ 6,001.4 Other sources (c) 170.0 169.1 170.3 Consolidated investment gains (losses): Realized from actual transactions 36.6 58.2 211.6 Unrealized from changes in fair value of equity securities 599.5 (293.8 )  Total realized and unrealized investment gains (losses) 636.1 (235.6 ) 211.6 Consolidation elimination adjustments (121.4 ) (122.7 ) (120.1 ) Consolidated revenues $ 7,213.7 $ 6,021.8 $ 6,263.1 Consolidated Pretax Income (Loss): Total segment pretax operating income (loss) of above Company segments $ 631.4 $ 633.2 $ 503.9 Other sources - net (c) 54.8 40.4 9.9 Consolidated investment gains (losses): Realized from actual transactions 36.6 58.2 211.6 Unrealized from changes in fair value of equity securities 599.5 (293.8 )  Total realized and unrealized investment gains (losses) 636.1 (235.6 ) 211.6 Consolidated income (loss) before income taxes (credits) $ 1,322.4 $ 438.1 $ 725.4 Consolidated Income Tax Expense (Credits): Total income tax expense (credits) of above Company segments $ 125.3 $ 119.0 $ 173.3 Other sources - net (c) 6.6 (1.8 ) 22.4 Income tax expense (credits) on consolidated realized and unrealized investment gains (losses) 133.8 (49.6 ) (30.8 ) Consolidated income tax expense (credits) $ 265.9 $ 67.5 $ 164.8 December 31: 2019 2018 Consolidated Assets: General Insurance $ 17,870.0 $ 16,411.4 Title Insurance 1,695.0 1,452.2 RFIG Run-off Business 615.1 736.7 Total assets of above company segments 20,180.2 18,600.3 Other assets (c) 1,095.4 1,028.9 Consolidation elimination adjustments (199.3 ) (302.2 ) Consolidated assets $ 21,076.3 $ 19,327.1 __________ In the above tables, net premiums earned on a GAAP basis differ slightly from statutory amounts due to certain differences in calculations of unearned premium reserves under each accounting method. (a) Results for the Consumer Credit Indemnity ("CCI") run-off business are expected to be immaterial in the remaining run-off periods. Effective July 1, 2019, these results have been reclassified to the General Insurance segment for all future periods. Previously these results were reflected as part of the RFIG Run-off Business. (b) Segment pretax operating income (loss) is reported net of interest charges on intercompany financing arrangements with Old Republic's holding company parent for the following segments: General - $71.5 , $68.0 and $57.2 for the years ended December 31, 2019 , 2018 , and 2017 , respectively; Title - $5.5 , $6.1 and $7.8 for the years ended December 31, 2019 , 2018 , and 2017 , respectively. (c) Includes amounts for a small life and accident insurance business as well as those of the parent holding company and its internal corporate services subsidiaries. (d) RFIG Run-off segment pretax operating income (loss) for 2017 include additional claim and related expense provisions of $130.0 . These costs apply to the final settlements and probable dispositions of all known litigated and other claim costs incurred by the Company's run-off Financial Indemnity business during the Great Recession years and their aftermath.