Old Republic International (ORI) 10-Q1 Nov 242024 Q3 Quarterly reportFinancial data

Company Profile

Cover Page

Cover Page	9 Months Ended
Cover Page	Sep. 30, 2024 shares
Entity Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2024
Document Transition Report	false
Entity File Number	001-10607
Entity Registrant Name	OLD REPUBLIC INTERNATIONAL CORPORATION
Entity Central Index Key	0000074260
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q3
Amendment Flag	false
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	36-2678171
Entity Address, Address Line One	307 North Michigan Avenue
Entity Address, City or Town	Chicago
Entity Address, State or Province	IL
Entity Address, Postal Zip Code	60601
City Area Code	312
Local Phone Number	346-8100
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Title of 12(b) Security	Common Stock / $1 par value
Entity Common Stock, Shares Outstanding	253,557,200
Trading Symbol	ORI
Security Exchange Name	NYSE

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions		Sep. 30, 2024	Dec. 31, 2023
Investments:
Fixed income securities (at fair value) (amortized cost: $12,293.3 and $12,263.0)		$ 12,476.5	$ 12,139.9
Short-term investments (at fair value which approximates cost)		1,317.6	1,032.6
Equity securities (at fair value) (cost: $1,408.3 and $1,511.9)		2,668.4	2,660.8
Other investments		41.4	34.3
Total investments		16,504.1	15,867.7
Cash		525.2	202.8
Accrued investment income		123.5	117
Accounts and notes receivable		2,640.2	2,201.4
Federal income tax recoverable: Current		38.4	21.8
Reinsurance balances and funds held		479.3	544.7
Reinsurance recoverable: Paid loss and loss adjustment expenses		214.7	175.4
Reinsurance recoverable for loss and loss adjustment expense reserves		5,702.2	4,977.7
Unearned premium and policy reserves		1,085.1	798.2
Deferred policy acquisition costs		505.3	417.8
Disposal Group, Including Discontinued Operation, Assets		0	194.8
Other assets		1,025.1	981.5
Total assets		28,843.8	26,501.4
Liabilities and Common Shareholders' Equity Liabilities:
Loss and loss adjustment expense reserves	[1]	13,537.7	12,538.2
Unearned premiums		3,679.1	3,042.7
Other policyholders' benefits and funds held		168	150.3
Total policy liabilities		17,384.8	15,731.4
Commissions, expenses, fees, and taxes		509.8	533.8
Reinsurance balances and funds held		1,603.3	1,380.9
Deferred Income Tax Liabilities, Net		214	105.6
Debt		1,988.4	1,591.2
Disposal Group, Including Discontinued Operation, Liabilities		0	56.8
Other liabilities		697.8	690.6
Total liabilities		22,398.4	20,090.7
Preferred Stock		0	0
Common Shareholders' Equity:
Common stock		253.5	278.3
Additional paid-in capital		0	678.7
Retained earnings		6,135.4	5,644.3
Accumulated other comprehensive income (loss)		106.2	(132.4)
Unallocated 401(k) plan shares (at cost)		(49.9)	(58.2)
Total common shareholders' equity		6,445.3	6,410.7
Total liabilities, preferred stock, and common shareholders' equity		$ 28,843.8	$ 26,501.4

[1] (a) RFIG Run-off reserves were classified as held-for-sale as of December 31, 2023 in the consolidated balance sheet. As such, loss reserve activity for this business, which was immaterial for the nine months ended September 30, 2024, is excluded from the 2024 column of the table above. See Note 2 for further discussion.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Fixed income securities (amortized costs)	$ 12,293.3
Preferred Stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred Stock, authorized shares (in shares)	75,000,000	75,000,000
Preferred Stock, outstanding shares (in shares)	0	0
Common Stock, par value (in dollars per share)	$ 1	$ 1
Common Stock, authorized shares (in shares)	500,000,000	500,000,000
Common Stock, issued shares (in shares)	253,557,200	278,392,263
Fixed Income Securities [Member]
Fixed income securities (amortized costs)	$ 12,293.3	$ 12,263
Equity Securities [Member]
Equity securities - cost	$ 1,408.3	$ 1,511.9
Common Class B [Member]
Common Stock, par value (in dollars per share)	$ 1	$ 1
Common Stock, authorized shares (in shares)	100,000,000	100,000,000
Common Stock, issued shares (in shares)	0	0

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Millions		3 Months Ended		9 Months Ended
Consolidated Statements of Income - USD ($) $ in Millions		Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Revenues:
Net premiums earned		$ 1,854.2	$ 1,691.1	$ 5,154.8	$ 4,764.9
Title, escrow, and other fees		74.9	69	214.4	199.2
Total premiums and fees		1,929.2	1,760.1	5,369.3	4,964.1
Net investment income		171	145.9	502.7	423.1
Other income		43.7	40.9	133	121
Total operating revenues		2,144	1,947	6,005.1	5,508.4
Net investment gains (losses):
Realized from actual transactions and impairments		(13.1)	(43.5)	113.1	(13.1)
Equity Securities, FV-NI, Unrealized Gain (Loss)		210.8	(143.3)	111.1	(178)
Total realized and unrealized investment gains (losses)		197.7	(186.9)	224.3	(191.1)
Total revenues		2,341.7	1,760.1	6,229.4	5,317.2
Expenses:
Loss and loss adjustment expenses		809.4	657.4	2,235.6	1,870.5
Dividends to policyholders		6.5	5.9	19.4	14.6
Underwriting, acquisition, and other expenses		1,077.4	1,016.3	2,975.2	2,867.9
Interest and other charges		21.3	16.4	60	54
Total expenses		1,914.8	1,696.2	5,290.4	4,807.2
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest		426.9	63.9	939	510
Income Taxes (Credits):
Current		40.6	46.6	146	145.2
Deferred		47.3	(35.3)	45.4	(43.2)
Total		88	11.3	191.4	102
Net income		$ 338.9	$ 52.6	$ 747.6	$ 408
Net Income Per Share:
Net income (loss) per share: Basic (in dollars per share)		$ 1.35	$ 0.19	$ 2.86	$ 1.43
Net income (loss) per share: Diluted (in dollars per share)		$ 1.32	$ 0.19	$ 2.81	$ 1.42
Average shares outstanding: Basic (in shares)	[1]	251,640,055	277,010,690	261,549,794	285,447,448
Weighted Average Number of Shares Outstanding, Diluted, Total	[1]	256,862,595	279,924,410	266,094,713	287,978,197

[1] (a) In calculating earnings per share, accounting standards require that common shares owned by the ORI 401(k) Savings and Profit Sharing Plan that are unallocated to participants in the plan be excluded from the calculation. Such shares are issued and outstanding, and have the same voting and other rights applicable to all common shares.

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Statement of Comprehensive Income [Abstract]
Net income (loss)	$ 338.9	$ 52.6	$ 747.6	$ 408
Unrealized gains (losses) on securities:
Unrealized gains (losses) on securities before reclassifications, not included in the statements of income	368.1	(181.5)	226.6	(164.3)
Amounts reclassified as realized investment gains from sales in the statements of income	13.1	81.1	81.1	118.9
Pretax unrealized gains (losses) on investments not included in the statements of income	381.2	(100.4)	307.7	(45.3)
OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, Tax	80.4	(21.5)	65	(9.7)
Net unrealized gains (losses) on securities not included in the statements of income, net of tax	300.7	(78.8)	242.6	(35.6)
Foreign currency translation adjustment and other	2.1	(3.3)	(4)	2.4
Total other comprehensive income (loss)	302.8	(82.1)	238.6	(33.2)
Comprehensive Income (Loss)	$ 641.8	$ (29.5)	$ 986.2	$ 374.7

Consolidated Statements of Pref

Consolidated Statements of Preferred Stock and Common Shareholders' Equity - USD ($) $ in Millions	Total	Preferred Stock	Common Stock	Additional Paid-in Capital	Retained Earnings	AOCI Attributable to Parent	Unallocated ESSOP Shares	Treasury Stock, Common
Balance at Dec. 31, 2022		$ 0	$ 296.9	$ 1,141.8	$ 5,321.8	$ (517.8)	$ (69.5)	$ 0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Dividend reinvestment plan			0	0.9
Net issuance of shares under stock based compensation plans			2.2
APIC, Share-based Payment Arrangement, Recognition and Exercise				41.3
ESSOP shares released				3.1			8.4
Net income	$ 408				408
Dividends on common stock					(208.9)
Net unrealized gains (losses) on securities, net of tax	(35.6)					(35.6)
Foreign currency translation adjustment and other	2.4					2.4
Treasury Stock, Value, Acquired, Cost Method								(479.5)
Treasury Stock, Retired, Cost Method, Amount			(18.8)	(460.6)	0			(479.5)
Balance at Sep. 30, 2023		0	280.3	726.5	5,520.9	(551.1)	(61.1)	0
Balance at Jun. 30, 2023		0	284.6	831.8	5,536.1	(468.9)	(63.9)	0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Dividend reinvestment plan			0	0.3
Net issuance of shares under stock based compensation plans			0.4
APIC, Share-based Payment Arrangement, Recognition and Exercise				13.9
ESSOP shares released				1.2			2.8
Net income	52.6				52.6
Dividends on common stock					(67.8)
Net unrealized gains (losses) on securities, net of tax	(78.8)					(78.8)
Foreign currency translation adjustment and other	(3.3)					(3.3)
Treasury Stock, Value, Acquired, Cost Method								(125.5)
Treasury Stock, Retired, Cost Method, Amount			(4.7)	(120.7)	0			(125.5)
Balance at Sep. 30, 2023		0	280.3	726.5	5,520.9	(551.1)	(61.1)	0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stockholders' Equity Attributable to Parent	6,410.7
Balance at Dec. 31, 2023		0	278.3	678.7	5,644.3	(132.4)	(58.2)	0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Dividend reinvestment plan			0	0.9
Net issuance of shares under stock based compensation plans			0.2
APIC, Share-based Payment Arrangement, Recognition and Exercise				16.2
ESSOP shares released				5.6			8.3
Net income	747.6				747.6
Dividends on common stock					(207.6)
Net unrealized gains (losses) on securities, net of tax	242.6					242.6
Foreign currency translation adjustment and other	(4)					(4)
Treasury Stock, Value, Acquired, Cost Method	775.5							(775.5)
Treasury Stock, Retired, Cost Method, Amount			(25.1)	(701.5)	(48.8)			(775.5)
Balance at Sep. 30, 2024		0	253.5	0	6,135.4	106.2	(49.9)	0
Balance at Jun. 30, 2024		0	258.4	105.1	5,912.3	(196.6)	(52.6)	0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Dividend reinvestment plan			0	0.3
Net issuance of shares under stock based compensation plans			0.1
APIC, Share-based Payment Arrangement, Recognition and Exercise				4.9
ESSOP shares released				2.2			2.7
Net income	338.9				338.9
Dividends on common stock					(66.9)
Net unrealized gains (losses) on securities, net of tax	300.7					300.7
Foreign currency translation adjustment and other	2.1					2.1
Treasury Stock, Value, Acquired, Cost Method	166.5							(166.5)
Treasury Stock, Retired, Cost Method, Amount			(5)	(112.6)	(48.8)			(166.5)
Balance at Sep. 30, 2024		$ 0	$ 253.5	$ 0	$ 6,135.4	$ 106.2	$ (49.9)	$ 0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stockholders' Equity Attributable to Parent	$ 6,445.3

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2024		Sep. 30, 2023
Cash flows from operating activities:
Net income	$ 747.6		$ 408
Adjustments to reconcile net income to
Deferred policy acquisition costs	(87.5)		(36.1)
Accounts and notes receivable	(438.8)		(428.8)
Loss and loss adjustment expense reserves	269.7		69.1
Unearned premiums and other policyholders' liabilities	366.8		220.2
Federal income taxes	29.4		(43.4)
Reinsurance balances and funds held	248.5		143
Realized from actual transactions and impairments	(113.1)		13.1
Increase (Decrease) in Debt Securities, Trading, and Equity Securities, FV-NI	(111.1)		178
Other - net	(39.7)		73.7
Total	871.7		597
Available for sale
Maturities and calls of fixed income securities	1,244.6		1,006.5
Sales of:
Fixed income securities	1,342.2		848.7
Proceeds from Sale of Equity Securities, FV-NI	298.3		483
Other investments	6.4		7.5
Purchases of:
Fixed income securities	(2,613.1)		(1,792.4)
Payments to Acquire Equity Securities, FV-NI	0		(51.1)
Other investments	(68.7)		(78.5)
Proceeds from Divestiture of Interest in Consolidated Subsidiaries	136.6		0
Net increase in short-term investments	(303.4)		(284.6)
Other - net	(1.2)		0.3
Total	41.7		139.4
Cash flows from financing activities:
Proceeds from Issuance of Senior Long-term Debt	395.9		0
Issuance of common shares	1.7		31.3
Redemption of debentures and notes	0		(5.3)
Dividends on common shares	(207)		(208.6)
Payments for Repurchase of Common Stock	(767.8)		(479.5)
Repurchase of common stock	(10.4)		(3.1)
Total	(587.7)		(665.3)
Increase (decrease) in cash balances classified as held-for-sale (a)
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	325.7		71.1
Net Cash Provided by (Used in) Discontinued Operations	(3.3)	[1]	0
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Beginning Balance	202.8		81
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Ending Balance	525.2		152.1
Supplemental cash flow information:
Cash paid (received) during the period for: Interest	64.8		53.5
Cash paid (received) during the period for: Income taxes	$ 161.8		$ 146.6

[1] (a) The sale of the RFIG Run-off mortgage insurance business closed effective May 31, 2024. See Note 2 in the Notes to Consolidated Financial Statements for further discussion.

Summary of Significant Accounti

Summary of Significant Accounting Policies	9 Months Ended
Summary of Significant Accounting Policies	Sep. 30, 2024
Accounting Policies [Abstract]
Accounting Policies and Basis of Presentation	Summary of Significant Accounting Policies Accounting Principles - The accompanying consolidated financial statements have been prepared in conformity with the Financial Accounting Standards Board (FASB) Accounting Standards Codification (ASC) of accounting principles generally accepted in the United States of America (GAAP). These interim financial statements should be read in conjunction with these notes and those included in the Company's 2023 Annual Report on Form 10-K incorporated herein by reference. The financial accounting and reporting process relies on estimates and on the exercise of judgment. In the opinion of management all adjustments consisting only of normal recurring accruals necessary for a fair presentation of interim periods' results and financial position have been recorded. Pertinent accounting and disclosure pronouncements issued from time to time by the FASB are adopted by the Company as they become effective. Statement Presentation - Amounts shown in the consolidated financial statements and applicable notes are stated (except as otherwise indicated and as to share data) in millions, which amounts may not add to totals shown due to truncation. Prior period amounts have been reclassified whenever appropriate to conform to the most current presentation. Accounting Standards Pending Adoption – In November 2023, the FASB issued Accounting Standards Update (ASU) No. 2023-07, Segment Reporting: Improvements to Reportable Segment Disclosures . This guidance expands the breadth and frequency of segment disclosures, including additional disclosures about significant segment expenses. Among other requirements, the guidance: • Introduces a new requirement to disclose certain significant segment expenses regularly provided to the chief operating decision maker (CODM), • Extends certain annual disclosures to interim periods, • Permits more than one measure of segment profit or loss to be reported under certain conditions, and • Requires disclosure of the title and position of the CODM. The ASU does not change how an entity identifies its operating segments, aggregates those operating segments, or applies the quantitative thresholds to determine its reportable segments. The requirements are effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. The Company plans to incorporate these disclosure-only requirements in its 2024 Annual Report on Form 10-K. In December 2023, the FASB issued ASU No. 2023-09, Improvements to Income Tax Disclosures which will require further disaggregation of existing disclosures for the effective tax rate reconciliation and income taxes paid. More specifically, the amendments will require entities to disclose: • A tabular effective tax rate reconciliation, broken out into specific categories with certain reconciling items above a 5% threshold further broken out by nature and/or jurisdiction, and • Income taxes paid (net of refunds received), broken out between federal, state and foreign, and net amounts paid to an individual jurisdiction that exceed 5% of the total. The requirements are effective for fiscal years beginning after December 15, 2024. The Company continues to evaluate the requirements of this guidance. Investments - The Company classifies its fixed income securities as those it either (1) has the intent and ability to hold until maturity, (2) has available for sale, or (3) has the intention of trading. The Company's entire fixed income portfolio is classified as available for sale. Fixed income securities classified as available for sale are reported at fair value with changes in such values, net of deferred income taxes, reflected directly in shareholders' equity. Equity securities are reported at fair value with changes in such values reflected as unrealized investment gains (losses) in the consolidated statements of income. Fair values are based on quoted market prices or estimates using values obtained from recognized independent pricing services. The status and fair value changes of fixed income investments are reviewed at least once per quarter to assess whether a decline in fair value of an investment below its cost basis is the result of a credit loss. Credit losses are recorded through an allowance with the corresponding charge to realized investment gains (losses). If the Company intends to sell or is more likely than not required to sell a security, the asset is written down to fair value directly through realized investment gains (losses). Investment income is reported net of allocated expenses and includes appropriate adjustments for amortization of premium and accretion of discount on fixed income securities acquired at other than par value. Dividends on equity securities are credited to income on the ex-dividend date. At September 30, 2024, the Company and its subsidiaries did not have significant amounts of non-income producing securities. Investment gains and losses, which result from sales or write downs of securities, are reflected as revenues in the income statement and are determined on the basis of amortized cost at the date of sale for fixed income securities, and cost in regard to equity securities; such bases apply to the specific securities sold. Revenue Recognition - Pursuant to GAAP applicable to the insurance industry, revenues are recognized as follows: Substantially all General Insurance premiums pertain to annual policies and are reflected in income on a pro-rata basis in association with the related loss and loss adjustment expenses. Title Insurance premium and fee revenues stemming from the Company's direct operations (which include branch offices of its title insurers and wholly-owned agency subsidiaries) are generally recognized as income at the transaction closing date which approximates the policy effective date. Fee income related to escrow and other closing services is recognized when the related services have been performed and completed. The remaining Title Insurance premium and fee revenues are produced by independent title agents. Rather than making estimates that could be subject to significant variance from actual premium and fee production, the Company recognizes revenues from those sources upon receipt. Such receipts can reflect a three to four month lag relative to the effective date of the underlying title policy, and are offset concurrently by production expenses and loss reserve provisions. Assets Held-for-Sale - The Company classifies a business as held-for-sale when management has approved or received approval to sell the business, the sale is probable to occur during the next 12 months at a price that is reasonable in relation to its current estimated fair value, and certain other specific criteria are met. The business classified as held-for-sale is measured at the lower of the carrying value or estimated fair value, less costs to sell. If the carrying value of the business exceeds its estimated fair value, less costs to sell, a loss is recognized and reported in net investment gains (losses). Assets and liabilities related to the business classified as held-for-sale are separately reported in the Company's consolidated balance sheet in the period in which the business is classified as held-for-sale. See Note 2 for further discussion. Loss and Loss Adjustment Expenses - The establishment of loss reserves by the Company's insurance subsidiaries is a reasonably complex and dynamic process influenced by a large variety of factors. These factors principally include past experience applicable to the anticipated costs of various types of claims, continually evolving and changing legal theories emanating from the judicial system, recurring accounting, statistical, and actuarial studies, the professional experience and expertise of the Company's claim departments' personnel or attorneys and independent claim adjusters, ongoing changes in claim frequency or severity patterns such as those caused by natural disasters, illnesses, accidents, work-related injuries, and changes in general and industry-specific economic conditions. Consequently, the reserves established are a reflection of: the opinions of a large number of persons; the application and interpretation of historical precedent and trends; expectations as to future developments; and management's judgment in interpreting all such factors. At any point in time, the Company is exposed to the possibility of higher or lower than anticipated loss costs due to all of these factors, and to the evolution, interpretation, and expansion of tort law, as well as the effects of unexpected jury verdicts. All reserves are therefore based on estimates which are periodically reviewed and evaluated in light of emerging loss experience and changing circumstances. The resulting changes in estimates are recorded in operations of the periods during which they are made. Return and additional premiums and policyholders' dividends, all of which tend to be affected by development of losses in future years, may offset, in whole or in part, favorable or unfavorable loss developments for certain coverages such as workers' compensation, portions of which are written under loss sensitive programs that provide for such adjustments. Management believes that its overall reserving practices have been consistently applied over many years, and that its aggregate net reserves have generally resulted in reasonable approximations of the ultimate net costs of losses incurred. However, no representation is made nor is any guaranty given that ultimate net losses and related costs will not develop in future years to be significantly greater or lower than currently established reserve estimates. The Company's accounting policy regarding the establishment of loss reserve estimates is described in Note 1 in the Notes to Consolidated Financial Statements included in Old Republic's 2023 Annual Report on Form 10-K. Employee Benefit Plans - The Company has a closed pension plan (the Plan) for certain employees under which benefits were frozen as of December 31, 2013. The funded status of the Plan is recognized as a net pension asset or liability, as applicable, with offsetting entries reflected as a component of shareholders' equity in accumulated other comprehensive income, net of deferred taxes. The Company also provides short- and long-term incentive awards to certain employees. Common Share Repurchases - Common shares acquired under share repurchase programs are retired, restoring them to authorized, unissued status. Repurchases of treasury stock above par value are first charged to additional paid-in capital, with any excess charged to retained earnings.

Discontinued Operations and Dis

Discontinued Operations and Disposal Groups	3 Months Ended
Discontinued Operations and Disposal Groups	Sep. 30, 2024
Discontinued Operations and Disposal Groups [Abstract]
Disposal Groups, Including Discontinued Operations, Disclosure	Note 2 - Disposition of RMIC Companies, Inc. (RMICC) On November 11, 2023, a definitive agreement was reached to sell RMIC Companies, Inc. and its wholly-owned mortgage insurance subsidiaries (collectively, "RMICC") to Arch U.S. MI Holdings Inc., a subsidiary of Arch Capital Group Ltd. The sale closed effective May 31, 2024 with cash proceeds totaling $136.6. As of December 31, 2023, the Company reported the assets and liabilities of RMICC as held-for-sale in the consolidated balance sheet with results reported in continuing operations in the consolidated statement of income, and for segment reporting purposes, within Corporate & Other. The Company determined that the transaction did not meet the criteria to be classified as a discontinued operation as it did not represent a strategic shift that had a major effect on the Company's operations and financial results. As a result of the sale, the Company realized a total loss of $51.0, of which $5.4 was recorded in net investment gains (losses) during the nine months ended September 30, 2024 to offset RMICC's operating income through May 31, 2024, given that the sale proceeds were based on its December 31, 2023 closing balance sheet. The table below reflects the assets and liabilities transferred with the sale described above: (Unaudited) May 31, 2024 Assets: Investments: Fixed income securities (at fair value) $ 16.8 Short-term investments (at fair value which approximates cost) 205.5 Total investments 222.4 Cash 4.1 Accrued investment income 0.1 Accounts and notes receivable 0.5 Federal income tax recoverable: Deferred 0.2 Other assets 0.8 Total assets $ 228.3 Liabilities: Policy liabilities: Loss and loss adjustment expense reserves $ 49.6 Unearned premiums — Total policy liabilities 49.7 Commissions, expenses, fees, and taxes 0.1 Federal income tax payable: Current 0.3 Other liabilities 0.3 Total liabilities $ 50.5

Investments

Investments	9 Months Ended
Investments	Sep. 30, 2024
Investments [Abstract]
Investment	Investments The amortized cost and fair values by type and contractual maturity of fixed income securities are shown in the following tables. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Gross Gross Fair Value Fixed Income Securities by Type: September 30, 2024: Government & Agency $ 1,718.7 $ 18.1 $ 32.5 $ 1,704.4 Municipal 635.2 0.1 3.4 631.9 Corporate 9,939.3 252.2 51.4 10,140.1 $ 12,293.3 $ 270.6 $ 87.4 $ 12,476.5 December 31, 2023: Government & Agency $ 1,920.3 $ 3.2 $ 64.6 $ 1,858.9 Municipal 774.5 0.2 7.1 767.6 Corporate 9,568.1 135.5 190.3 9,513.3 $ 12,263.0 $ 139.0 $ 262.0 $ 12,139.9 Amortized Fair Value Fixed Income Securities Stratified by Contractual Maturity at September 30, 2024: Due in one year or less $ 1,489.6 $ 1,481.4 Due after one year through five years 6,053.6 6,081.3 Due after five years through ten years 4,692.7 4,855.9 Due after ten years 57.2 57.8 $ 12,293.3 $ 12,476.5 The following table reflects the Company's gross unrealized losses and fair value of fixed income securities, aggregated by category and length of time that individual securities have been in an unrealized loss position. Less than 12 Months 12 Months or Greater Total Fair Unrealized Losses Fair Unrealized Losses Fair Unrealized Losses September 30, 2024: Fixed Income Securities: Government & Agency $ 118.1 $ 0.6 $ 745.4 $ 31.8 $ 863.6 $ 32.5 Municipal 25.2 — 533.0 3.4 558.2 3.4 Corporate 513.9 1.9 2,523.2 49.5 3,037.1 51.4 $ 657.3 $ 2.6 $ 3,801.7 $ 84.8 $ 4,459.0 $ 87.4 December 31, 2023: Fixed Income Securities: Government & Agency $ 461.0 $ 2.7 $ 1,179.3 $ 61.8 $ 1,640.4 $ 64.6 Municipal 173.1 0.8 554.7 6.2 727.9 7.1 Corporate 853.3 8.2 4,270.9 182.0 5,124.3 190.3 $ 1,487.6 $ 11.8 $ 6,005.1 $ 250.2 $ 7,492.7 $ 262.0 In the above tables, the unrealized losses on fixed income securities are deemed to reflect changes in the interest rate environment. As part of its assessment of credit losses, the Company considers whether it intends to sell or is more likely than not required to sell securities, principally in consideration of its asset and liability maturity matching objectives. No investment impairment losses were recorded in the third quarter or the nine months ended September 30, 2024. Net realized investment gains (losses) in the nine months ended September 30, 2023 included impairment charges of $6.2 primarily related to the Company's intent to sell and subsequent disposal of fixed income securities to facilitate certain structural changes to a deferred compensation plan as well as a small credit loss. The Company's allowance for credit losses was $1.6 as of both September 30, 2024 and December 31, 2023. The following table shows cost and fair value information for equity securities: Equity Securities Cost Gross Gross Fair Value September 30, 2024 $ 1,408.3 $ 1,268.5 $ 8.3 $ 2,668.4 December 31, 2023 $ 1,511.9 $ 1,164.7 $ 15.7 $ 2,660.8 For the quarter, changes in the fair value of equity securities still held at September 30, 2024 and 2023 were $210.8 and $(100.2), respectively. For the first nine months, changes in the fair value of equity securities still held at September 30, 2024 and 2023 were $308.1 and $(69.9), respectively. Fair Value Measurements - Fair value is defined as the estimated price that is likely to be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants (an exit price) at the measurement date. A fair value hierarchy is established that prioritizes the sources (inputs) used to measure fair value into three broad levels: • Level 1 inputs are based on quoted market prices in active markets; • Level 2 observable inputs are based on corroboration with available market data; and • Level 3 unobservable inputs are based on uncorroborated market data or a reporting entity's own assumptions. The following is a description of the valuation methodologies and general classification used for financial instruments measured at fair value. The Company uses quoted values and other data provided by nationally recognized independent pricing sources as inputs into its quarterly process for determining fair values of fixed income and equity securities. To validate the techniques or models used by pricing sources, the Company's review process includes, but is not limited to: (i) initial and ongoing evaluation of methodologies used by outside parties to calculate fair value; and (ii) comparisons with other sources including the fair value estimates based on current market quotations, and with independent fair value estimates provided by the independent investment custodian. Independent pricing sources obtain market quotations and actual transaction prices for securities that have quoted prices in active markets and use their own proprietary method for determining the fair value of securities that are not actively traded. In general, these methods involve the use of "matrix pricing" in which the independent pricing source uses observable market inputs including, but not limited to, investment yields, credit risks and spreads, benchmarking of like securities, broker-dealer quotes, reported trades and sector groupings to determine a reasonable fair value. Level 1 securities include U.S. and Canadian Treasury notes, publicly traded common stocks, mutual funds, and short-term investments in highly liquid money market instruments. Level 2 securities generally include corporate bonds, municipal bonds, and certain U.S. and Canadian government agency securities. Securities classified within Level 3 include non-publicly traded bonds and equity securities. There were no significant changes in the fair value of Level 3 assets as of September 30, 2024 and December 31, 2023. The following tables show a summary of the fair value of financial assets segregated among the various input levels described above: Fair Value Measurements As of September 30, 2024: Level 1 Level 2 Level 3 Total Fixed income securities: Government & Agency $ 1,417.0 $ 287.3 $ — $ 1,704.4 Municipal — 631.9 — 631.9 Corporate — 10,120.5 19.5 10,140.1 Short-term investments 1,317.6 — — 1,317.6 Equity securities $ 2,666.3 $ — $ 2.0 $ 2,668.4 As of December 31, 2023: Fixed income securities: Government & Agency $ 1,379.8 $ 479.1 $ — $ 1,858.9 Municipal — 767.6 — 767.6 Corporate — 9,493.7 19.5 9,513.3 Short-term investments 1,032.6 — — 1,032.6 Equity securities $ 2,653.8 $ — $ 7.0 $ 2,660.8 There were no transfers between Levels 1, 2 or 3 during the quarter or nine months ended September 30, 2024. The following table reflects the composition of net investment income, net realized gains or losses, and the net change in unrealized investment gains or losses for each of the periods shown. Quarters Ended Nine Months Ended September 30, September 30, 2024 2023 2024 2023 Net investment income: Fixed income securities $ 130.7 $ 109.9 $ 385.5 $ 319.7 Equity securities 19.6 21.9 59.7 71.2 Short-term investments 21.4 14.6 58.3 35.4 Other investments (a) 5.8 4.8 20.8 9.8 Gross investment income 177.7 151.3 524.3 436.2 Investment expenses (a) 6.6 5.4 21.6 13.0 Net investment income $ 171.0 $ 145.9 $ 502.7 $ 423.1 Net investment gains (losses): Realized from actual transactions: Fixed income securities: Gains $ — $ 0.1 $ 2.0 $ 1.1 Losses (13.2) (81.1) (83.1) (114.6) Net (13.1) (80.9) (81.1) (113.4) Equity securities: Gains — 73.0 199.7 152.2 Losses — (35.4) — (46.4) Net — 37.6 199.7 105.7 Other investments, net — (0.1) — 0.6 Total realized from actual transactions (13.1) (43.5) 118.6 (6.9) From impairments (b) — — (5.4) (6.2) From unrealized changes in fair value of equity securities 210.8 (143.3) 111.1 (178.0) Total realized and unrealized investment gains (losses) 197.7 (186.9) 224.3 (191.1) Current and deferred income taxes 41.5 (39.2) 46.7 (40.1) Net of tax realized and unrealized investment gains (losses) $ 156.1 $ (147.6) $ 177.6 $ (151.0) Changes in unrealized investment gains (losses) reflected directly in shareholders' equity: Fixed income securities $ 380.1 $ (99.8) $ 306.2 $ (49.9) Less: Deferred income taxes (credits) 80.2 (21.4) 64.7 (10.6) 299.8 (78.4) 241.4 (39.2) Other investments 1.0 (0.5) 1.5 4.5 Less: Deferred income taxes 0.2 (0.1) 0.3 0.9 0.8 (0.4) 1.2 3.5 Net changes in unrealized investment gains (losses), net of tax $ 300.7 $ (78.8) $ 242.6 $ (35.6) _________ (a) Includes interest on funds held. (b) Includes additional loss on sale of RMICC as described in Note 2.

Losses, Claims and Settlement E

Losses, Claims and Settlement Expenses	9 Months Ended
Losses, Claims and Settlement Expenses	Sep. 30, 2024
Insurance [Abstract]
Losses, Claims and Settlement Expenses	Note 4 - Loss and Loss Adjustment Expenses The following table shows changes in aggregate reserves for the Company's loss and loss adjustment expenses: Nine Months Ended September 30, 2024 (a) 2023 Gross reserves at beginning of period $ 12,538.2 $ 12,221.5 Less: Reinsurance losses recoverable 4,977.7 4,699.5 Net reserves at beginning of period: General Insurance 6,955.2 6,824.8 Title Insurance 598.5 612.8 Other 6.6 84.2 Subtotal 7,560.4 7,521.9 Incurred loss and loss adjustment expenses: Provisions for insured events of the current year: General Insurance 2,263.2 2,006.6 Title Insurance 66.3 72.1 Other 5.4 16.4 Subtotal 2,335.1 2,095.2 Change in provision for insured events of prior years: General Insurance (76.9) (178.5) Title Insurance (19.2) (22.2) Other (0.8) (23.1) Subtotal (97.1) (223.9) Total incurred loss and loss adjustment expenses 2,238.0 1,871.2 Payments: Loss and loss adjustment expenses attributable to insured events of the current year: General Insurance 670.4 606.0 Title Insurance 5.5 5.4 Other 2.2 3.9 Subtotal 678.1 615.4 Loss and loss adjustment expenses attributable to insured events of prior years: General Insurance 1,239.3 1,137.0 Title Insurance 43.4 38.7 Other 2.0 11.0 Subtotal 1,284.7 1,186.7 Total payments 1,962.9 1,802.1 Net reserves at end of period: General Insurance 7,231.8 6,909.8 Title Insurance 596.6 618.5 Other 6.9 62.6 Subtotal 7,835.5 7,591.0 Reinsurance losses recoverable 5,702.2 5,220.1 Gross reserves at end of period $ 13,537.7 $ 12,811.2 _________ (a) RFIG Run-off reserves were classified as held-for-sale as of December 31, 2023 in the consolidated balance sheet. As such, loss reserve activity for this business, which was immaterial for the nine months ended September 30, 2024, is excluded from the 2024 column of the table above. See Note 2 for further discussion. The 2024 change in provision for insured events of prior years reflects favorable prior year loss reserve development for all groups shown. During the first nine months of 2024, General Insurance experienced favorable development from accident years 2011 through 2020. This was partially offset by unfavorable development in years prior to 2011 and in years 2021 through 2023, which are less developed years on which the company is less likely to act on early indications of favorable development. Net favorable development came predominantly from workers' compensation, commercial auto and property lines, partially offset by unfavorable development within general liability and transactional risk coverages (included within financial indemnity). For Title Insurance, favorable development experienced during the first nine months of 2024 occurred largely within the 2019-2021 years. The 2023 change in provision for insured events from the prior years also reflects favorable prior year loss reserve development for all groups shown. During the first nine months of 2023, General Insurance experienced high levels of favorable development within accident years 2010 through 2019 and 2022. Net favorable development came predominantly from workers' compensation and commercial auto lines, partially offset by unfavorable development within general liability. For Title Insurance, favorable development experienced during the first nine months of 2023 occurred largely within the 2018-2021 years.

Income Taxes

Income Taxes	9 Months Ended
Income Taxes	Sep. 30, 2024
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes Tax positions taken or expected to be taken in a tax return by the Company are recognized in the financial statements when it is more likely than not that the position would be sustained upon examination by tax authorities. To the best of management's knowledge there are no tax uncertainties that are expected to result in significant increases or decreases to unrecognized tax benefits within the next twelve month period. The Company views its income tax exposures as primarily consisting of timing differences whereby the ultimate deductibility of a taxable amount is highly certain but the timing of its deductibility is uncertain. The Company classifies interest and penalties, if any, as income tax expense in the consolidated statements of income. The Company is not currently under audit by the Internal Revenue Service (IRS), and effective upon the filing of the Company's consolidated federal tax return in October 2024, 2021 and subsequent tax years remain open.

Common Share Data

Common Share Data	9 Months Ended
Common Share Data	Sep. 30, 2024
Earnings Per Share [Abstract]
Common Share Data	Net Income Per Share Consolidated basic earnings per share excludes the dilutive effect of common stock equivalents and is computed by dividing net income available to common stockholders by the weighted-average number of common shares actually outstanding for the periods presented. Diluted earnings per share is similarly calculated with the inclusion of dilutive common stock equivalents. The following table provides a reconciliation of net income and the number of shares used in basic and diluted earnings per share calculations. Quarters Ended Nine Months Ended September 30, September 30, 2024 2023 2024 2023 Numerator: Net income $ 338.9 $ 52.6 $ 747.6 $ 408.0 Denominator: Basic weighted-average shares (a) 251,640,055 277,010,690 261,549,794 285,447,448 Effect of dilutive securities - stock-based compensation awards 5,222,540 2,913,720 4,544,919 2,530,749 Diluted adjusted weighted-average shares (a) 256,862,595 279,924,410 266,094,713 287,978,197 Earnings per share: Basic $ 1.35 $ 0.19 $ 2.86 $ 1.43 Diluted $ 1.32 $ 0.19 $ 2.81 $ 1.42 Anti-dilutive common stock equivalents excluded from earnings per share computations: Stock-based compensation awards — 2,236,000 1,314,779 3,569,026 __________ (a) In calculating earnings per share, accounting standards require that common shares owned by the ORI 401(k) Savings and Profit Sharing Plan that are unallocated to participants in the plan be excluded from the calculation. Such shares are issued and outstanding, and have the same voting and other rights applicable to all common shares.

Credit Losses

Credit Losses	9 Months Ended
Credit Losses	Sep. 30, 2024
Credit Loss [Abstract]
Credit Loss, Financial Instrument	Credit Losses Credit losses on financial assets measured at amortized cost, primarily the Company's reinsurance recoverables and accounts and notes receivable, are recognized based on estimated losses expected to occur over the life of the asset. The expected credit losses, and subsequent adjustment to such losses, are recorded through an allowance account that is deducted from the amortized cost basis of the financial asset, with the net carrying value of the asset presented in the consolidated balance sheets. The Company's credit allowance was comprised of $22.0 and $17.5 related to reinsurance recoverables as of September 30, 2024 and December 31, 2023, respectively, and $29.9 and $26.1 related to accounts and notes receivable as of September 30, 2024 and December 31, 2023, respectively. The Company's evaluation of credit losses on available for sale securities is discussed further in Note 3. The Company is not exposed to material concentrations of credit risks as to any one issuer of investment securities.

Debt

Debt	9 Months Ended
Debt	Sep. 30, 2024
Debt Disclosure [Abstract]
Debt	Debt Consolidated debt of Old Republic and its subsidiaries is summarized below: September 30, 2024 December 31, 2023 Carrying Fair Carrying Fair Senior Notes: 4.875% issued in 2014 and due 2024 $ 400.0 $ 400.0 $ 399.5 $ 397.0 3.875% issued in 2016 and due 2026 548.9 544.7 548.5 530.4 5.750% issued in 2024 and due 2034 396.1 419.6 — — 3.850% issued in 2021 and due 2051 643.3 495.9 643.1 472.7 Total debt $ 1,988.4 $ 1,860.3 $ 1,591.2 $ 1,400.3 On March 31, 2024, the Company completed a public offering of $400.0 aggregate principal amount of Senior Notes. The notes bear interest at a rate of 5.750% per year and mature on March 28, 2034. This issuance was completed in anticipation of the $400.0 of 4.875% senior notes maturing in October of this year, which were subsequently redeemed in cash on October 1, 2024. Fair Value Measurements - The Company utilizes indicative market prices, which incorporate recent actual market transactions and current bid/ask quotations, to estimate the fair value of outstanding debt, all of which is classified within Level 2 of the fair value hierarchy described in Note 3.

Common Share Repurchases

Common Share Repurchases	9 Months Ended
Common Share Repurchases	Sep. 30, 2024
Equity [Abstract]
Treasury Stock	Common Share Repurchases On May 12, 2023, the Board of Directors authorized a $450.0 share repurchase program. This authorization was completed during the first quarter of 2024. On March 1, 2024, the Board of Directors authorized a $1.1 billion share repurchase program.

Commitments and Contingent Liab

Commitments and Contingent Liabilities Commitments and Contingent Liabilities	9 Months Ended
	Sep. 30, 2024
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingent Liabilities	Commitments and Contingent Liabilities Legal Proceedings - Legal proceedings against the Company and its subsidiaries routinely arise in the normal course of business and usually pertain to claim matters related to insurance policies and contracts issued by its insurance subsidiaries. At September 30, 2024, the Company had no material non-claim litigation exposures in its consolidated business.

Information About Segments of B

Information About Segments of Business	9 Months Ended
Information About Segments of Business	Sep. 30, 2024
Segment Reporting [Abstract]
Information About Segments of Business	Segment Information 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 two segments: General Insurance (property and liability insurance) and Title Insurance. The results of the RFIG Run-off business, previously a reportable segment, are deemed immaterial and reflected within the Corporate & Other caption of this report through the effective date of its sale of May 31, 2024, along with the results of a small life and accident insurance business. Prior period amounts have been reclassified to reflect the change in reportable segments. Old Republic's business is managed for the long run. In this context management's key objectives are to achieve highly profitable operating results over the long term, and to ensure balance sheet strength for the primary needs of the insurance subsidiaries' underwriting and related services business. In this view, the evaluation of periodic and long-term results excludes consideration of net investment gains (losses). Under GAAP, however, net income, inclusive of net investment gains (losses), is the measure of total profitability. In management's opinion, the focus on income excluding net investment gains (losses), also described herein as segment pretax operating income, provides a better way to analyze, evaluate, and establish accountability for the results of the insurance operations. The inclusion of realized investment gains (losses) in net income can mask trends in operating results, because such realizations are often highly discretionary. Similarly, the inclusion of unrealized investment gains (losses) in equity securities can further distort such operating results with significant period-to-period fluctuations. The contributions of Old Republic's reportable segments to consolidated totals are shown in the following table. Quarters Ended Nine Months Ended September 30, September 30, 2024 2023 2024 2023 General Insurance: Net premiums earned $ 1,218.5 $ 1,069.6 $ 3,439.8 $ 3,027.7 Net investment income and other income 183.7 158.5 536.5 458.5 Total revenues excluding investment gains $ 1,402.2 $ 1,228.2 $ 3,976.4 $ 3,486.2 Segment pretax operating income (a) $ 197.3 $ 215.5 $ 620.3 $ 593.0 Title Insurance: Net premiums earned $ 633.6 $ 615.3 $ 1,702.9 $ 1,718.1 Title, escrow, and other fees 74.9 69.0 214.4 199.2 Subtotal 708.5 684.4 1,917.4 1,917.3 Net investment income and other income 15.9 14.4 47.6 42.7 Total revenues excluding investment gains $ 724.5 $ 698.8 $ 1,965.1 $ 1,960.0 Segment pretax operating income $ 40.2 $ 37.4 $ 88.6 $ 89.6 Consolidated Revenues: Total revenues of reportable segments $ 2,126.7 $ 1,927.0 $ 5,941.5 $ 5,446.2 Corporate & Other (b) 47.3 56.9 154.7 174.0 Consolidated investment gains (losses): Realized from actual transactions and impairments (13.1) (43.5) 113.1 (13.1) Unrealized from changes in fair value of equity securities 210.8 (143.3) 111.1 (178.0) Total realized and unrealized investment gains (losses) 197.7 (186.9) 224.3 (191.1) Consolidation elimination adjustments (30.0) (36.9) (91.1) (111.8) Consolidated revenues $ 2,341.7 $ 1,760.1 $ 6,229.4 $ 5,317.2 Consolidated Pretax Income: Total segment pretax operating income of reportable segments $ 237.5 $ 253.0 $ 708.9 $ 682.7 Corporate & Other (b) (8.3) (2.1) 5.7 18.5 Consolidated investment gains (losses): Realized from actual transactions and impairments (13.1) (43.5) 113.1 (13.1) Unrealized from changes in fair value of equity securities 210.8 (143.3) 111.1 (178.0) Total realized and unrealized investment gains (losses) 197.7 (186.9) 224.3 (191.1) Consolidated income before income taxes $ 426.9 $ 63.9 $ 939.0 $ 510.0 September 30, December 31, 2024 2023 Consolidated Assets: General Insurance $ 25,040.5 $ 22,710.5 Title Insurance 1,960.2 1,948.2 Total assets of reportable segments 27,000.8 24,658.8 Corporate & Other (b) 1,999.2 2,145.8 Consolidation elimination adjustments (156.2) (303.2) Consolidated assets $ 28,843.8 $ 26,501.4 (a) General Insurance pretax operating income is reported net of interest charges on intercompany financing arrangements with Old Republic's holding company parent of $15.6 and $48.0 compared to $19.9 and $59.1 for the quarters and nine months ended September 30, 2024 and 2023, respectively. The reduction in interest charges for both periods is generally due to note repayment activity. (b) Includes amounts for a small life and accident insurance business, the RFIG Run-off business through the effective date of its sale of May 31, 2024, the parent holding company, and several internal corporate services subsidiaries.

Subsequent Events

Subsequent Events	9 Months Ended
Subsequent Events	Sep. 30, 2024
Subsequent Events [Abstract]
Subsequent Events	Subsequent EventThe Company evaluated subsequent events through the date these consolidated financial statements were issued. No subsequent events were identified that require adjustment or disclosure to the consolidated financial statements, other than those discussed in Notes 8 and 9.

Accounting Policies (Policies)

Accounting Policies (Policies)	3 Months Ended	9 Months Ended
Accounting Policies (Policies)	Sep. 30, 2024	Sep. 30, 2024
Accounting Policies [Abstract]
Basis of Accounting, Policy		Accounting Principles - The accompanying consolidated financial statements have been prepared in conformity with the Financial Accounting Standards Board (FASB) Accounting Standards Codification (ASC) of accounting principles generally accepted in the United States of America (GAAP). These interim financial statements should be read in conjunction with these notes and those included in the Company's 2023 Annual Report on Form 10-K incorporated herein by reference. The financial accounting and reporting process relies on estimates and on the exercise of judgment. In the opinion of management all adjustments consisting only of normal recurring accruals necessary for a fair presentation of interim periods' results and financial position have been recorded. Pertinent accounting and disclosure pronouncements issued from time to time by the FASB are adopted by the Company as they become effective. Statement Presentation - Amounts shown in the consolidated financial statements and applicable notes are stated (except as otherwise indicated and as to share data) in millions, which amounts may not add to totals shown due to truncation. Prior period amounts have been reclassified whenever appropriate to conform to the most current presentation.
Accounting Standards Pending Adoption	Accounting Standards Pending Adoption – In November 2023, the FASB issued Accounting Standards Update (ASU) No. 2023-07, Segment Reporting: Improvements to Reportable Segment Disclosures . This guidance expands the breadth and frequency of segment disclosures, including additional disclosures about significant segment expenses. Among other requirements, the guidance: • Introduces a new requirement to disclose certain significant segment expenses regularly provided to the chief operating decision maker (CODM), • Extends certain annual disclosures to interim periods, • Permits more than one measure of segment profit or loss to be reported under certain conditions, and • Requires disclosure of the title and position of the CODM. The ASU does not change how an entity identifies its operating segments, aggregates those operating segments, or applies the quantitative thresholds to determine its reportable segments. The requirements are effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. The Company plans to incorporate these disclosure-only requirements in its 2024 Annual Report on Form 10-K. In December 2023, the FASB issued ASU No. 2023-09, Improvements to Income Tax Disclosures which will require further disaggregation of existing disclosures for the effective tax rate reconciliation and income taxes paid. More specifically, the amendments will require entities to disclose: • A tabular effective tax rate reconciliation, broken out into specific categories with certain reconciling items above a 5% threshold further broken out by nature and/or jurisdiction, and • Income taxes paid (net of refunds received), broken out between federal, state and foreign, and net amounts paid to an individual jurisdiction that exceed 5% of the total. The requirements are effective for fiscal years beginning after December 15, 2024. The Company continues to evaluate the requirements of this guidance.
Investment, Policy		Investments - The Company classifies its fixed income securities as those it either (1) has the intent and ability to hold until maturity, (2) has available for sale, or (3) has the intention of trading. The Company's entire fixed income portfolio is classified as available for sale. Fixed income securities classified as available for sale are reported at fair value with changes in such values, net of deferred income taxes, reflected directly in shareholders' equity. Equity securities are reported at fair value with changes in such values reflected as unrealized investment gains (losses) in the consolidated statements of income. Fair values are based on quoted market prices or estimates using values obtained from recognized independent pricing services. The status and fair value changes of fixed income investments are reviewed at least once per quarter to assess whether a decline in fair value of an investment below its cost basis is the result of a credit loss. Credit losses are recorded through an allowance with the corresponding charge to realized investment gains (losses). If the Company intends to sell or is more likely than not required to sell a security, the asset is written down to fair value directly through realized investment gains (losses). Investment income is reported net of allocated expenses and includes appropriate adjustments for amortization of premium and accretion of discount on fixed income securities acquired at other than par value. Dividends on equity securities are credited to income on the ex-dividend date. At September 30, 2024, the Company and its subsidiaries did not have significant amounts of non-income producing securities. Investment gains and losses, which result from sales or write downs of securities, are reflected as revenues in the income statement and are determined on the basis of amortized cost at the date of sale for fixed income securities, and cost in regard to equity securities; such bases apply to the specific securities sold.
Insurance Premiums Revenue Recognition, Policy		Revenue Recognition - Pursuant to GAAP applicable to the insurance industry, revenues are recognized as follows: Substantially all General Insurance premiums pertain to annual policies and are reflected in income on a pro-rata basis in association with the related loss and loss adjustment expenses. Title Insurance premium and fee revenues stemming from the Company's direct operations (which include branch offices of its title insurers and wholly-owned agency subsidiaries) are generally recognized as income at the transaction closing date which approximates the policy effective date. Fee income related to escrow and other closing services is recognized when the related services have been performed and completed. The remaining Title Insurance premium and fee revenues are produced by independent title agents. Rather than making estimates that could be subject to significant variance from actual premium and fee production, the Company recognizes revenues from those sources upon receipt. Such receipts can reflect a three to four month lag relative to the effective date of the underlying title policy, and are offset concurrently by production expenses and loss reserve provisions.
Assets Held-for-Sale	Assets Held-for-Sale - The Company classifies a business as held-for-sale when management has approved or received approval to sell the business, the sale is probable to occur during the next 12 months at a price that is reasonable in relation to its current estimated fair value, and certain other specific criteria are met. The business classified as held-for-sale is measured at the lower of the carrying value or estimated fair value, less costs to sell. If the carrying value of the business exceeds its estimated fair value, less costs to sell, a loss is recognized and reported in net investment gains (losses). Assets and liabilities related to the business classified as held-for-sale are separately reported in the Company's consolidated balance sheet in the period in which the business is classified as held-for-sale. See Note 2 for further discussion.
Unpaid Policy Claims and Claims Adjustment Expense, Policy		Loss and Loss Adjustment Expenses - The establishment of loss reserves by the Company's insurance subsidiaries is a reasonably complex and dynamic process influenced by a large variety of factors. These factors principally include past experience applicable to the anticipated costs of various types of claims, continually evolving and changing legal theories emanating from the judicial system, recurring accounting, statistical, and actuarial studies, the professional experience and expertise of the Company's claim departments' personnel or attorneys and independent claim adjusters, ongoing changes in claim frequency or severity patterns such as those caused by natural disasters, illnesses, accidents, work-related injuries, and changes in general and industry-specific economic conditions. Consequently, the reserves established are a reflection of: the opinions of a large number of persons; the application and interpretation of historical precedent and trends; expectations as to future developments; and management's judgment in interpreting all such factors. At any point in time, the Company is exposed to the possibility of higher or lower than anticipated loss costs due to all of these factors, and to the evolution, interpretation, and expansion of tort law, as well as the effects of unexpected jury verdicts. All reserves are therefore based on estimates which are periodically reviewed and evaluated in light of emerging loss experience and changing circumstances. The resulting changes in estimates are recorded in operations of the periods during which they are made. Return and additional premiums and policyholders' dividends, all of which tend to be affected by development of losses in future years, may offset, in whole or in part, favorable or unfavorable loss developments for certain coverages such as workers' compensation, portions of which are written under loss sensitive programs that provide for such adjustments. Management believes that its overall reserving practices have been consistently applied over many years, and that its aggregate net reserves have generally resulted in reasonable approximations of the ultimate net costs of losses incurred. However, no representation is made nor is any guaranty given that ultimate net losses and related costs will not develop in future years to be significantly greater or lower than currently established reserve estimates. The Company's accounting policy regarding the establishment of loss reserve estimates is described in Note 1 in the Notes to Consolidated Financial Statements included in Old Republic's 2023 Annual Report on Form 10-K.
Postemployment Benefit Plans, Policy		Employee Benefit Plans - The Company has a closed pension plan (the Plan) for certain employees under which benefits were frozen as of December 31, 2013. The funded status of the Plan is recognized as a net pension asset or liability, as applicable, with offsetting entries reflected as a component of shareholders' equity in accumulated other comprehensive income, net of deferred taxes. The Company also provides short- and long-term incentive awards to certain employees.
Common Share Repurchases		Common Share Repurchases - Common shares acquired under share repurchase programs are retired, restoring them to authorized, unissued status. Repurchases of treasury stock above par value are first charged to additional paid-in capital, with any excess charged to retained earnings.

Discontinued Operations and D_2

Discontinued Operations and Disposal Groups (Tables)	3 Months Ended
Discontinued Operations and Disposal Groups (Tables)	Sep. 30, 2024
Discontinued Operations and Disposal Groups [Abstract]
Disposal Groups, Including Discontinued Operations	The table below reflects the assets and liabilities transferred with the sale described above: (Unaudited) May 31, 2024 Assets: Investments: Fixed income securities (at fair value) $ 16.8 Short-term investments (at fair value which approximates cost) 205.5 Total investments 222.4 Cash 4.1 Accrued investment income 0.1 Accounts and notes receivable 0.5 Federal income tax recoverable: Deferred 0.2 Other assets 0.8 Total assets $ 228.3 Liabilities: Policy liabilities: Loss and loss adjustment expense reserves $ 49.6 Unearned premiums — Total policy liabilities 49.7 Commissions, expenses, fees, and taxes 0.1 Federal income tax payable: Current 0.3 Other liabilities 0.3 Total liabilities $ 50.5

Investments (Tables)

Investments (Tables)	3 Months Ended	9 Months Ended
Investments (Tables)	Sep. 30, 2024	Sep. 30, 2024
Investments [Abstract]
Amortized Cost and Estimated Fair Values Of Fixed Income Securities		The amortized cost and fair values by type and contractual maturity of fixed income securities are shown in the following tables. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Gross Gross Fair Value Fixed Income Securities by Type: September 30, 2024: Government & Agency $ 1,718.7 $ 18.1 $ 32.5 $ 1,704.4 Municipal 635.2 0.1 3.4 631.9 Corporate 9,939.3 252.2 51.4 10,140.1 $ 12,293.3 $ 270.6 $ 87.4 $ 12,476.5 December 31, 2023: Government & Agency $ 1,920.3 $ 3.2 $ 64.6 $ 1,858.9 Municipal 774.5 0.2 7.1 767.6 Corporate 9,568.1 135.5 190.3 9,513.3 $ 12,263.0 $ 139.0 $ 262.0 $ 12,139.9
Amortized Cost and Estimated Fair Values Of Fixed Income Securities By Contractual Maturities	Amortized Fair Value Fixed Income Securities Stratified by Contractual Maturity at September 30, 2024: Due in one year or less $ 1,489.6 $ 1,481.4 Due after one year through five years 6,053.6 6,081.3 Due after five years through ten years 4,692.7 4,855.9 Due after ten years 57.2 57.8 $ 12,293.3 $ 12,476.5
Gross Unrealized Losses and Fair Value, Aggregated	The following table reflects the Company's gross unrealized losses and fair value of fixed income securities, aggregated by category and length of time that individual securities have been in an unrealized loss position. Less than 12 Months 12 Months or Greater Total Fair Unrealized Losses Fair Unrealized Losses Fair Unrealized Losses September 30, 2024: Fixed Income Securities: Government & Agency $ 118.1 $ 0.6 $ 745.4 $ 31.8 $ 863.6 $ 32.5 Municipal 25.2 — 533.0 3.4 558.2 3.4 Corporate 513.9 1.9 2,523.2 49.5 3,037.1 51.4 $ 657.3 $ 2.6 $ 3,801.7 $ 84.8 $ 4,459.0 $ 87.4 December 31, 2023: Fixed Income Securities: Government & Agency $ 461.0 $ 2.7 $ 1,179.3 $ 61.8 $ 1,640.4 $ 64.6 Municipal 173.1 0.8 554.7 6.2 727.9 7.1 Corporate 853.3 8.2 4,270.9 182.0 5,124.3 190.3 $ 1,487.6 $ 11.8 $ 6,005.1 $ 250.2 $ 7,492.7 $ 262.0
Equity Securities Reflecting Reported Cost	The following table shows cost and fair value information for equity securities: Equity Securities Cost Gross Gross Fair Value September 30, 2024 $ 1,408.3 $ 1,268.5 $ 8.3 $ 2,668.4 December 31, 2023 $ 1,511.9 $ 1,164.7 $ 15.7 $ 2,660.8
Fair Value, Assets Measured on Recurring Basis	The following tables show a summary of the fair value of financial assets segregated among the various input levels described above: Fair Value Measurements As of September 30, 2024: Level 1 Level 2 Level 3 Total Fixed income securities: Government & Agency $ 1,417.0 $ 287.3 $ — $ 1,704.4 Municipal — 631.9 — 631.9 Corporate — 10,120.5 19.5 10,140.1 Short-term investments 1,317.6 — — 1,317.6 Equity securities $ 2,666.3 $ — $ 2.0 $ 2,668.4 As of December 31, 2023: Fixed income securities: Government & Agency $ 1,379.8 $ 479.1 $ — $ 1,858.9 Municipal — 767.6 — 767.6 Corporate — 9,493.7 19.5 9,513.3 Short-term investments 1,032.6 — — 1,032.6 Equity securities $ 2,653.8 $ — $ 7.0 $ 2,660.8
Investment Income	The following table reflects the composition of net investment income, net realized gains or losses, and the net change in unrealized investment gains or losses for each of the periods shown. Quarters Ended Nine Months Ended September 30, September 30, 2024 2023 2024 2023 Net investment income: Fixed income securities $ 130.7 $ 109.9 $ 385.5 $ 319.7 Equity securities 19.6 21.9 59.7 71.2 Short-term investments 21.4 14.6 58.3 35.4 Other investments (a) 5.8 4.8 20.8 9.8 Gross investment income 177.7 151.3 524.3 436.2 Investment expenses (a) 6.6 5.4 21.6 13.0 Net investment income $ 171.0 $ 145.9 $ 502.7 $ 423.1 Net investment gains (losses): Realized from actual transactions: Fixed income securities: Gains $ — $ 0.1 $ 2.0 $ 1.1 Losses (13.2) (81.1) (83.1) (114.6) Net (13.1) (80.9) (81.1) (113.4) Equity securities: Gains — 73.0 199.7 152.2 Losses — (35.4) — (46.4) Net — 37.6 199.7 105.7 Other investments, net — (0.1) — 0.6 Total realized from actual transactions (13.1) (43.5) 118.6 (6.9) From impairments (b) — — (5.4) (6.2) From unrealized changes in fair value of equity securities 210.8 (143.3) 111.1 (178.0) Total realized and unrealized investment gains (losses) 197.7 (186.9) 224.3 (191.1) Current and deferred income taxes 41.5 (39.2) 46.7 (40.1) Net of tax realized and unrealized investment gains (losses) $ 156.1 $ (147.6) $ 177.6 $ (151.0) Changes in unrealized investment gains (losses) reflected directly in shareholders' equity: Fixed income securities $ 380.1 $ (99.8) $ 306.2 $ (49.9) Less: Deferred income taxes (credits) 80.2 (21.4) 64.7 (10.6) 299.8 (78.4) 241.4 (39.2) Other investments 1.0 (0.5) 1.5 4.5 Less: Deferred income taxes 0.2 (0.1) 0.3 0.9 0.8 (0.4) 1.2 3.5 Net changes in unrealized investment gains (losses), net of tax $ 300.7 $ (78.8) $ 242.6 $ (35.6) _________ (a) Includes interest on funds held. (b) Includes additional loss on sale of RMICC as described in Note 2.

Losses, Claims and Settlement_2

Losses, Claims and Settlement Expenses (Tables)	9 Months Ended
Losses, Claims and Settlement Expenses (Tables)	Sep. 30, 2024
Insurance [Abstract]
Schedule of Changes in Aggregate Reserves for Losses, Claims and Settlement Expenses	The following table shows changes in aggregate reserves for the Company's loss and loss adjustment expenses: Nine Months Ended September 30, 2024 (a) 2023 Gross reserves at beginning of period $ 12,538.2 $ 12,221.5 Less: Reinsurance losses recoverable 4,977.7 4,699.5 Net reserves at beginning of period: General Insurance 6,955.2 6,824.8 Title Insurance 598.5 612.8 Other 6.6 84.2 Subtotal 7,560.4 7,521.9 Incurred loss and loss adjustment expenses: Provisions for insured events of the current year: General Insurance 2,263.2 2,006.6 Title Insurance 66.3 72.1 Other 5.4 16.4 Subtotal 2,335.1 2,095.2 Change in provision for insured events of prior years: General Insurance (76.9) (178.5) Title Insurance (19.2) (22.2) Other (0.8) (23.1) Subtotal (97.1) (223.9) Total incurred loss and loss adjustment expenses 2,238.0 1,871.2 Payments: Loss and loss adjustment expenses attributable to insured events of the current year: General Insurance 670.4 606.0 Title Insurance 5.5 5.4 Other 2.2 3.9 Subtotal 678.1 615.4 Loss and loss adjustment expenses attributable to insured events of prior years: General Insurance 1,239.3 1,137.0 Title Insurance 43.4 38.7 Other 2.0 11.0 Subtotal 1,284.7 1,186.7 Total payments 1,962.9 1,802.1 Net reserves at end of period: General Insurance 7,231.8 6,909.8 Title Insurance 596.6 618.5 Other 6.9 62.6 Subtotal 7,835.5 7,591.0 Reinsurance losses recoverable 5,702.2 5,220.1 Gross reserves at end of period $ 13,537.7 $ 12,811.2 _________ (a) RFIG Run-off reserves were classified as held-for-sale as of December 31, 2023 in the consolidated balance sheet. As such, loss reserve activity for this business, which was immaterial for the nine months ended September 30, 2024, is excluded from the 2024 column of the table above. See Note 2 for further discussion.

Common Share Data (Tables)

Common Share Data (Tables)	9 Months Ended
Common Share Data (Tables)	Sep. 30, 2024
Earnings Per Share [Abstract]
Schedule of Calculation of Numerator and Denominator in Earnings Per Share	The following table provides a reconciliation of net income and the number of shares used in basic and diluted earnings per share calculations. Quarters Ended Nine Months Ended September 30, September 30, 2024 2023 2024 2023 Numerator: Net income $ 338.9 $ 52.6 $ 747.6 $ 408.0 Denominator: Basic weighted-average shares (a) 251,640,055 277,010,690 261,549,794 285,447,448 Effect of dilutive securities - stock-based compensation awards 5,222,540 2,913,720 4,544,919 2,530,749 Diluted adjusted weighted-average shares (a) 256,862,595 279,924,410 266,094,713 287,978,197 Earnings per share: Basic $ 1.35 $ 0.19 $ 2.86 $ 1.43 Diluted $ 1.32 $ 0.19 $ 2.81 $ 1.42 Anti-dilutive common stock equivalents excluded from earnings per share computations: Stock-based compensation awards — 2,236,000 1,314,779 3,569,026 __________ (a) In calculating earnings per share, accounting standards require that common shares owned by the ORI 401(k) Savings and Profit Sharing Plan that are unallocated to participants in the plan be excluded from the calculation. Such shares are issued and outstanding, and have the same voting and other rights applicable to all common shares.

Debt (Tables)

Debt (Tables)	9 Months Ended
Debt (Tables)	Sep. 30, 2024
Debt Disclosure [Abstract]
Schedule of Debt	Consolidated debt of Old Republic and its subsidiaries is summarized below: September 30, 2024 December 31, 2023 Carrying Fair Carrying Fair Senior Notes: 4.875% issued in 2014 and due 2024 $ 400.0 $ 400.0 $ 399.5 $ 397.0 3.875% issued in 2016 and due 2026 548.9 544.7 548.5 530.4 5.750% issued in 2024 and due 2034 396.1 419.6 — — 3.850% issued in 2021 and due 2051 643.3 495.9 643.1 472.7 Total debt $ 1,988.4 $ 1,860.3 $ 1,591.2 $ 1,400.3

Information About Segments of_2

Information About Segments of Business (Tables)	9 Months Ended
Information About Segments of Business (Tables)	Sep. 30, 2024
Segment Reporting [Abstract]
Schedule of Segment Reporting	The contributions of Old Republic's reportable segments to consolidated totals are shown in the following table. Quarters Ended Nine Months Ended September 30, September 30, 2024 2023 2024 2023 General Insurance: Net premiums earned $ 1,218.5 $ 1,069.6 $ 3,439.8 $ 3,027.7 Net investment income and other income 183.7 158.5 536.5 458.5 Total revenues excluding investment gains $ 1,402.2 $ 1,228.2 $ 3,976.4 $ 3,486.2 Segment pretax operating income (a) $ 197.3 $ 215.5 $ 620.3 $ 593.0 Title Insurance: Net premiums earned $ 633.6 $ 615.3 $ 1,702.9 $ 1,718.1 Title, escrow, and other fees 74.9 69.0 214.4 199.2 Subtotal 708.5 684.4 1,917.4 1,917.3 Net investment income and other income 15.9 14.4 47.6 42.7 Total revenues excluding investment gains $ 724.5 $ 698.8 $ 1,965.1 $ 1,960.0 Segment pretax operating income $ 40.2 $ 37.4 $ 88.6 $ 89.6 Consolidated Revenues: Total revenues of reportable segments $ 2,126.7 $ 1,927.0 $ 5,941.5 $ 5,446.2 Corporate & Other (b) 47.3 56.9 154.7 174.0 Consolidated investment gains (losses): Realized from actual transactions and impairments (13.1) (43.5) 113.1 (13.1) Unrealized from changes in fair value of equity securities 210.8 (143.3) 111.1 (178.0) Total realized and unrealized investment gains (losses) 197.7 (186.9) 224.3 (191.1) Consolidation elimination adjustments (30.0) (36.9) (91.1) (111.8) Consolidated revenues $ 2,341.7 $ 1,760.1 $ 6,229.4 $ 5,317.2 Consolidated Pretax Income: Total segment pretax operating income of reportable segments $ 237.5 $ 253.0 $ 708.9 $ 682.7 Corporate & Other (b) (8.3) (2.1) 5.7 18.5 Consolidated investment gains (losses): Realized from actual transactions and impairments (13.1) (43.5) 113.1 (13.1) Unrealized from changes in fair value of equity securities 210.8 (143.3) 111.1 (178.0) Total realized and unrealized investment gains (losses) 197.7 (186.9) 224.3 (191.1) Consolidated income before income taxes $ 426.9 $ 63.9 $ 939.0 $ 510.0 September 30, December 31, 2024 2023 Consolidated Assets: General Insurance $ 25,040.5 $ 22,710.5 Title Insurance 1,960.2 1,948.2 Total assets of reportable segments 27,000.8 24,658.8 Corporate & Other (b) 1,999.2 2,145.8 Consolidation elimination adjustments (156.2) (303.2) Consolidated assets $ 28,843.8 $ 26,501.4 (a) General Insurance pretax operating income is reported net of interest charges on intercompany financing arrangements with Old Republic's holding company parent of $15.6 and $48.0 compared to $19.9 and $59.1 for the quarters and nine months ended September 30, 2024 and 2023, respectively. The reduction in interest charges for both periods is generally due to note repayment activity. (b) Includes amounts for a small life and accident insurance business, the RFIG Run-off business through the effective date of its sale of May 31, 2024, the parent holding company, and several internal corporate services subsidiaries.

Discontinued Operations and D_3

Discontinued Operations and Disposal Groups (Details) - USD ($) $ in Millions	9 Months Ended		11 Months Ended
	Sep. 30, 2024		Sep. 30, 2024		May 31, 2024	Dec. 31, 2023		Sep. 30, 2023	Dec. 31, 2022
Discontinued Operations and Disposal Groups [Abstract]
Disposal Group, Including Discontinued Operation, Consideration					$ 136.6
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Fixed income securities (estimated fair value)	$ 12,476.5		$ 12,476.5			$ 12,139.9
Short-term investments	1,317.6		1,317.6			1,032.6
Total investments	16,504.1		16,504.1			15,867.7
Cash	525.2		525.2			202.8
Accrued investment income	123.5		123.5			117
Accounts and notes receivable	2,640.2		2,640.2			2,201.4
Federal income tax recoverable: Current	38.4		38.4			21.8
Total assets	28,843.8		28,843.8			26,501.4
Loss and loss adjustment expense reserves	13,537.7	[1]	13,537.7	[1]		12,538.2	[1]	$ 12,811.2	$ 12,221.5
Unearned premiums	3,679.1		3,679.1			3,042.7
Total policy liabilities	17,384.8		17,384.8			15,731.4
Commissions, expenses, fees, and taxes	509.8		509.8			533.8
Other liabilities	697.8		697.8			690.6
Total liabilities	22,398.4		22,398.4			$ 20,090.7
Disposal Group, Including Discontinued Operation, Consideration					136.6
Disposal Group, Not Discontinued Operation, Gain (Loss) on Disposal	$ 5.4		$ 51
Disposal Group, Not Discontinued Operations
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Fixed income securities (estimated fair value)					16.8
Short-term investments					205.5
Total investments					222.4
Cash					4.1
Accrued investment income					0.1
Accounts and notes receivable					0.5
Deferred Income Tax Assets, Net					0.2
Other Assets, Net Of Valuation Allowance					0.8
Total assets					228.3
Loss and loss adjustment expense reserves					49.6
Unearned premiums					0
Total policy liabilities					49.7
Commissions, expenses, fees, and taxes					0.1
Taxes Payable, Current					0.3
Other liabilities					0.3
Total liabilities					$ 50.5

[1] (a) RFIG Run-off reserves were classified as held-for-sale as of December 31, 2023 in the consolidated balance sheet. As such, loss reserve activity for this business, which was immaterial for the nine months ended September 30, 2024, is excluded from the 2024 column of the table above. See Note 2 for further discussion.

Investments Fixed Income Securi

Investments Fixed Income Securities by Type (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Schedule of Fixed Income Securities [Table] [Line Items]
Fixed income securities (amortized cost)	$ 12,293.3
Fixed income securities (estimated fair value)	12,476.5		$ 12,139.9
Debt Securities, Available-for-sale, Allowance for Credit Loss	1.6		1.6
Other-than-temporary Impairment Loss, Debt Securities, Portion Recognized in Earnings	0	$ (6.2)
U.S. & Canadian Governments [Member]
Schedule of Fixed Income Securities [Table] [Line Items]
Fixed income securities (amortized cost)	1,718.7		1,920.3
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	18.1		3.2
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	32.5		64.6
Fixed income securities (estimated fair value)	1,704.4		1,858.9
Municipal [Member]
Schedule of Fixed Income Securities [Table] [Line Items]
Fixed income securities (amortized cost)	635.2		774.5
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	0.1		0.2
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	3.4		7.1
Fixed income securities (estimated fair value)	631.9		767.6
Corporate [Member]
Schedule of Fixed Income Securities [Table] [Line Items]
Fixed income securities (amortized cost)	9,939.3		9,568.1
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	252.2		135.5
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	51.4		190.3
Fixed income securities (estimated fair value)	10,140.1		9,513.3
Fixed Income Securities [Member]
Schedule of Fixed Income Securities [Table] [Line Items]
Fixed income securities (amortized cost)	12,293.3		12,263
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	270.6		139
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	87.4		262
Fixed income securities (estimated fair value)	$ 12,476.5		$ 12,139.9

Investments Fair Value (Details

Investments Fair Value (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	$ 2,668.4	$ 2,660.8
Available for sale, Fixed income securities	12,476.5	12,139.9
Short-term investments	1,317.6	1,032.6
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Short-term investments	1,317.6	1,032.6
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Short-term investments	0	0
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Short-term investments	0	0
U.S. & Canadian Governments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale, Fixed income securities	1,704.4	1,858.9
U.S. & Canadian Governments [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale, Fixed income securities	1,417	1,379.8
U.S. & Canadian Governments [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale, Fixed income securities	287.3	479.1
U.S. & Canadian Governments [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale, Fixed income securities	0	0
Municipal [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale, Fixed income securities	631.9	767.6
Municipal [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale, Fixed income securities	0	0
Municipal [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale, Fixed income securities	631.9	767.6
Municipal [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale, Fixed income securities	0	0
Corporate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale, Fixed income securities	10,140.1	9,513.3
Corporate [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale, Fixed income securities	0	0
Corporate [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale, Fixed income securities	10,120.5	9,493.7
Corporate [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale, Fixed income securities	19.5	19.5
Equity Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	2,668.4	2,660.8
Equity Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	2,666.3	2,653.8
Equity Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	0	0
Equity Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	$ 2	$ 7

Investments Net Investment Inco

Investments Net Investment Income (Details) - USD ($) $ in Millions		3 Months Ended		9 Months Ended
		Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Gain (Loss) on Securities [Line Items]
Gross investment income		$ 177.7	$ 151.3	$ 524.3	$ 436.2
Investment expenses	[1]	6.6	5.4	21.6	13
Net Investment Income, Total		171	145.9	502.7	423.1
Net realized gains (losses)		156.1	(147.6)	177.6	(151)
Equity Securities, FV-NI, Unrealized Gain (Loss)		210.8	(143.3)	111.1	(178)
Gain (Loss) on Investments		197.7	(186.9)	224.3	(191.1)
Income Taxes Credits On Realized Investment Gains Losses		41.5	(39.2)	46.7	(40.1)
Changes in unrealized investment gains (losses) on investments		381.2	(100.4)	307.7	(45.3)
OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, Tax		80.4	(21.5)	65	(9.7)
Net unrealized gains (losses) on securities, net of tax		300.7	(78.8)	242.6	(35.6)
Debt Securities, Available-for-sale, Realized Gain		0	0.1	2	1.1
Debt Securities, Available-for-sale, Realized Loss		13.2	81.1	83.1	114.6
Debt Securities, Available-for-sale, Realized Gain (Loss)		(13.1)	(80.9)	(81.1)	(113.4)
Debt and Equity Securities, Realized Gain (Loss), Excluding Other-than-temporary Impairment		(13.1)	(43.5)	118.6	(6.9)
OtherThanTemporaryImpairmentLossesCreditLossesOtherInvestmentsDebtSecuritiesSaleOfSubsidiaryRecognizedInEarnings	[2]	0	0	(5.4)	(6.2)
Equity Securities [Member]
Gain (Loss) on Securities [Line Items]
Equity securities, gross realized gains		0	73	199.7	152.2
Equity securities, gross realized losses		0	(35.4)	0	(46.4)
Equity securities, net realized gains (losses)		0	37.6	199.7	105.7
Fixed Income Securities [Member]
Gain (Loss) on Securities [Line Items]
Changes in unrealized investment gains (losses) on investments		380.1	(99.8)	306.2	(49.9)
OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, Tax		80.2	(21.4)	64.7	(10.6)
Net changes in unrealized investment gains (losses)		299.8	(78.4)	241.4	(39.2)
Other long-term investments [Member]
Gain (Loss) on Securities [Line Items]
Changes in unrealized investment gains (losses) on investments		1	(0.5)	1.5	4.5
OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, Tax		0.2	(0.1)	0.3	0.9
Net changes in unrealized investment gains (losses)		0.8	(0.4)	1.2	3.5
Other Investments
Gain (Loss) on Securities [Line Items]
Investment gains (losses) - other investments		0	(0.1)	0	0.6
Fixed Income Securities [Member]
Gain (Loss) on Securities [Line Items]
Gross investment income		130.7	109.9	385.5	319.7
Equity Securities [Member]
Gain (Loss) on Securities [Line Items]
Gross investment income		19.6	21.9	59.7	71.2
Short-term Investments [Member]
Gain (Loss) on Securities [Line Items]
Gross investment income		21.4	14.6	58.3	35.4
Investments [Member]
Gain (Loss) on Securities [Line Items]
Gross investment income	[1]	$ 5.8	$ 4.8	$ 20.8	$ 9.8

[1] (a) Includes interest on funds held. (b) Includes additional loss on sale of RMICC as described in Note 2.

Investments Textuals (Details)

Investments Textuals (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
Investments Textuals (Details) - USD ($) $ in Millions	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Debt Securities, Available-for-sale [Line Items]
Equity Securities, FV-NI, Unrealized Gain (Loss)	$ 210.8	$ (143.3)	$ 111.1	$ (178)
Net Unrealized Gains Losses Recognized from Changes in Fair Value of Equity Securities Held	210.8	$ (100.2)	308.1	$ (69.9)
Debt Securities, Available-for-sale, Allowance for Credit Loss	$ 1.6		$ 1.6		$ 1.6

Investments Fixed Income Secu_2

Investments Fixed Income Securities Stratified by Contractual Maturity (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Investments [Abstract]
Available for sale, Due in one year or less (amortized cost)	$ 1,489.6
Available for sale, Due after one year through five years (amortized cost)	6,053.6
Available for sale, Due after five years through ten years (amortized cost)	4,692.7
Available for sale, Due after ten years (amortized cost)	57.2
Fixed income securities (amortized cost)	12,293.3
Available for sale, Due in one year or less (estimated fair value)	1,481.4
Available for sale, Due after one year through five years (estimated fair value)	6,081.3
Available for sale, Due after five years through ten years (estimated fair value)	4,855.9
Available for sale, Due after ten years (estimated fair value)	57.8
Available for sale, Fixed income securities (estimated fair value)	$ 12,476.5	$ 12,139.9

Investments Gross Unrealized Lo

Investments Gross Unrealized Losses and Fair Value (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Schedule of Fixed Income Securities [Table] [Line Items]
Available for sale, Unrealized Losses, Less than 12 Months	$ 2.6	$ 11.8
Available for sale, Unrealized Losses, 12 Months or Greater	84.8	250.2
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	657.3	1,487.6
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	3,801.7	6,005.1
Debt Securities, Available-for-sale, Unrealized Loss Position	4,459	7,492.7
U.S. & Canadian Governments [Member]
Schedule of Fixed Income Securities [Table] [Line Items]
Available for sale, Unrealized Losses, Less than 12 Months	0.6	2.7
Available for sale, Unrealized Losses, 12 Months or Greater	31.8	61.8
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	118.1	461
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	745.4	1,179.3
Debt Securities, Available-for-sale, Unrealized Loss Position	863.6	1,640.4
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	32.5	64.6
Municipal [Member]
Schedule of Fixed Income Securities [Table] [Line Items]
Available for sale, Unrealized Losses, Less than 12 Months	0	0.8
Available for sale, Unrealized Losses, 12 Months or Greater	3.4	6.2
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	25.2	173.1
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	533	554.7
Debt Securities, Available-for-sale, Unrealized Loss Position	558.2	727.9
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	3.4	7.1
Corporate [Member]
Schedule of Fixed Income Securities [Table] [Line Items]
Available for sale, Unrealized Losses, Less than 12 Months	1.9	8.2
Available for sale, Unrealized Losses, 12 Months or Greater	49.5	182
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	513.9	853.3
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	2,523.2	4,270.9
Debt Securities, Available-for-sale, Unrealized Loss Position	3,037.1	5,124.3
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	51.4	190.3
Fixed Income Securities [Member]
Schedule of Fixed Income Securities [Table] [Line Items]
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	$ 87.4	$ 262

Investments Equity Securities (

Investments Equity Securities (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Line Items]
Equity securities	$ 2,668.4	$ 2,660.8
Equity Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Equity securities, gross unrealized gains	1,268.5	1,164.7
Equity securities, gross unrealized losses	8.3	15.7
Equity securities - cost	1,408.3	1,511.9
Equity securities	$ 2,668.4	$ 2,660.8

Losses, Claims and Settlement_3

Losses, Claims and Settlement Expenses (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2024	[1]	Sep. 30, 2023	Dec. 31, 2023	[1]	Dec. 31, 2022
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Reinsurance Recoverable for Unpaid Claims and Claims Adjustments				$ 4,977.7		$ 4,699.5
Liability for Unpaid Claims and Claims Adjustment Expense
Gross reserves at beginning of period	$ 12,538.2		$ 12,221.5
Less: Reinsurance losses recoverable	5,702.2		5,220.1
Net reserves at beginning of period				7,560.4		7,521.9
Provisions for insured events of the current year	2,335.1		2,095.2
Change in provision for insured events of prior years	(97.1)		(223.9)
Total incurred claims and claim adjustment expenses	2,238		1,871.2
Claims and claim adjustment expenses attributable to insured events of the current year	678.1		615.4
Claims and claim adjustment expenses attributable to insured events of prior years	1,284.7		1,186.7
Total payments	1,962.9		1,802.1
Amount of reserves for unpaid claims and claim adjustment expenses at the end of each period, net of reinsurance losses recoverable	7,835.5		7,591
Gross reserves at end of period	13,537.7		12,811.2
General Insurance
Liability for Unpaid Claims and Claims Adjustment Expense
Net reserves at beginning of period				6,955.2		6,824.8
Provisions for insured events of the current year	2,263.2		2,006.6
Change in provision for insured events of prior years	(76.9)		(178.5)
Claims and claim adjustment expenses attributable to insured events of the current year	670.4		606
Claims and claim adjustment expenses attributable to insured events of prior years	1,239.3		1,137
Amount of reserves for unpaid claims and claim adjustment expenses at the end of each period, net of reinsurance losses recoverable	7,231.8		6,909.8
Title Insurance
Liability for Unpaid Claims and Claims Adjustment Expense
Net reserves at beginning of period				598.5		612.8
Provisions for insured events of the current year	66.3		72.1
Change in provision for insured events of prior years	(19.2)		(22.2)
Claims and claim adjustment expenses attributable to insured events of the current year	5.5		5.4
Claims and claim adjustment expenses attributable to insured events of prior years	43.4		38.7
Amount of reserves for unpaid claims and claim adjustment expenses at the end of each period, net of reinsurance losses recoverable	596.6		618.5
Other
Liability for Unpaid Claims and Claims Adjustment Expense
Net reserves at beginning of period				$ 6.6		$ 84.2
Provisions for insured events of the current year	5.4		16.4
Change in provision for insured events of prior years	(0.8)		(23.1)
Claims and claim adjustment expenses attributable to insured events of the current year	2.2		3.9
Claims and claim adjustment expenses attributable to insured events of prior years	2		11
Amount of reserves for unpaid claims and claim adjustment expenses at the end of each period, net of reinsurance losses recoverable	$ 6.9		$ 62.6

[1] (a) RFIG Run-off reserves were classified as held-for-sale as of December 31, 2023 in the consolidated balance sheet. As such, loss reserve activity for this business, which was immaterial for the nine months ended September 30, 2024, is excluded from the 2024 column of the table above. See Note 2 for further discussion.

Common Share Data (Details)

Common Share Data (Details) - USD ($) $ / shares in Units, $ in Millions		3 Months Ended		9 Months Ended
		Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Earnings Per Share [Abstract]
Net income		$ 338.9	$ 52.6	$ 747.6	$ 408
Average shares outstanding: Basic (in shares)	[1]	251,640,055	277,010,690	261,549,794	285,447,448
Incremental Common Shares Attributable to Dilutive Effect of Share-based Payment Arrangements		5,222,540	2,913,720	4,544,919	2,530,749
Weighted Average Number of Shares Outstanding, Diluted, Total	[1]	256,862,595	279,924,410	266,094,713	287,978,197
Net income (loss) per share: Basic (in dollars per share)		$ 1.35	$ 0.19	$ 2.86	$ 1.43
Net income (loss) per share: Diluted (in dollars per share)		$ 1.32	$ 0.19	$ 2.81	$ 1.42
Stock based compensation awards [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive common stock equivalents excluded from earnings per share computations		0	2,236,000	1,314,779	3,569,026

[1] (a) In calculating earnings per share, accounting standards require that common shares owned by the ORI 401(k) Savings and Profit Sharing Plan that are unallocated to participants in the plan be excluded from the calculation. Such shares are issued and outstanding, and have the same voting and other rights applicable to all common shares.

Credit Losses (Details)

Credit Losses (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Credit Loss [Abstract]
Reinsurance Recoverable, Allowance for Credit Loss	$ 22	$ 17.5
Accounts Receivable, Allowance for Credit Loss	$ 29.9	$ 26.1

Debt (Details)

Debt (Details) - USD ($)	Oct. 01, 2024	Sep. 30, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Fair value		$ 1,860,300,000	$ 1,400,300,000
Debt and Lease Obligation		1,988,400,000	1,591,200,000
Senior Notes Due 2024
Debt Instrument [Line Items]
Debt		$ 400,000,000
Debt Instrument, Interest Rate, Stated Percentage		4.875%
Debt Instrument, Face Amount		$ 400,000,000
Debt and Lease Obligation		400,000,000	399,500,000
Extinguishment of Debt, Amount	$ 400,000,000
Senior Notes Due 2024 \| Fair Value, Inputs, Level 2 [Member]
Debt Instrument [Line Items]
Fair value		400,000,000	397,000,000
Senior Notes Due 2026 [Member]
Debt Instrument [Line Items]
Debt		$ 550,000,000
Debt Instrument, Interest Rate, Stated Percentage		3.875%
Debt Instrument, Face Amount		$ 550,000,000
Debt and Lease Obligation		548,900,000	548,500,000
Senior Notes Due 2026 [Member] \| Fair Value, Inputs, Level 2 [Member]
Debt Instrument [Line Items]
Fair value		544,700,000	530,400,000
Senior Notes Due 2051
Debt Instrument [Line Items]
Debt		$ 650,000,000
Debt Instrument, Interest Rate, Stated Percentage		3.85%
Debt Instrument, Face Amount		$ 650,000,000
Debt and Lease Obligation		643,300,000	643,100,000
Senior Notes Due 2051 \| Fair Value, Inputs, Level 2 [Member]
Debt Instrument [Line Items]
Fair value		495,900,000	472,700,000
Senior Notes Due 2034
Debt Instrument [Line Items]
Debt		$ 400,000,000
Debt Instrument, Interest Rate, Stated Percentage		5.75%
Debt Instrument, Face Amount		$ 400,000,000
Debt and Lease Obligation		396,100,000	0
Senior Notes Due 2034 \| Fair Value, Inputs, Level 2 [Member]
Debt Instrument [Line Items]
Fair value		$ 419,600,000	$ 0

Debt Financial Liabilities Disc

Debt Financial Liabilities Disclosed, but not Carried, at Fair Value (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt	$ 1,988.4	$ 1,591.2
Fair value	$ 1,860.3	$ 1,400.3

Common Share Repurchases (Detai

Common Share Repurchases (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	1 Months Ended	3 Months Ended	9 Months Ended
	Oct. 31, 2024	Sep. 30, 2024	Sep. 30, 2024
Equity, Class of Treasury Stock [Line Items]
Treasury Stock, Value, Acquired, Cost Method		$ 166.5	$ 775.5
Treasury Stock, Shares, Acquired		5	25.1
Treasury Stock Acquired, Average Cost Per Share		$ 32.97	$ 30.85
May 12, 2023 Authorization
Equity, Class of Treasury Stock [Line Items]
Stock Repurchase Program, Authorized Amount		$ 450	$ 450
March 1, 2024 Authorization
Equity, Class of Treasury Stock [Line Items]
Stock Repurchase Program, Authorized Amount		$ 1,100	$ 1,100
Subsequent Event
Equity, Class of Treasury Stock [Line Items]
Treasury Stock, Value, Acquired, Cost Method	$ 51.6
Treasury Stock, Shares, Acquired	1.4
Treasury Stock Acquired, Average Cost Per Share	$ 35.52
Stock Repurchase Program, Remaining Authorized Repurchase Amount	$ 355.9

Information About Segments of_3

Information About Segments of Business (Details) - USD ($) $ in Millions		3 Months Ended		9 Months Ended
		Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Consolidated Revenues [Abstract]
Consolidated revenues		$ 2,341.7	$ 1,760.1	$ 6,229.4	$ 5,317.2
Gain (Loss) on Investments		197.7	(186.9)	224.3	(191.1)
Consolidated Income (Loss) Before Taxes (Credits) [Abstract]
Gain (Loss) on Investments		197.7	(186.9)	224.3	(191.1)
Consolidated Income Tax Expense (Credits) [Abstract]
Income tax expense (credits)		88	11.3	191.4	102
Income tax expense (credits) on consolidated net realized investment gains (losses)		41.5	(39.2)	46.7	(40.1)
Premiums Earned, Net		1,854.2	1,691.1	5,154.8	4,764.9
Title, escrow, and other fees		74.9	69	214.4	199.2
Total premiums and fees		1,929.2	1,760.1	5,369.3	4,964.1
Total Operating Revenues		2,144	1,947	6,005.1	5,508.4
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest		426.9	63.9	939	510
Realized from actual transactions and impairments		(13.1)	(43.5)	113.1	(13.1)
Equity Securities, FV-NI, Unrealized Gain (Loss)		210.8	(143.3)	111.1	(178)
Total Company Segments [Member] \| General Insurance Group [Member]
Consolidated Income Tax Expense (Credits) [Abstract]
Premiums Earned, Net		1,218.5	1,069.6	3,439.8	3,027.7
Net investment income and other income		183.7	158.5	536.5	458.5
Total Operating Revenues		1,402.2	1,228.2	3,976.4	3,486.2
Income (loss) before income taxes (credits) and realized investment gains or losses	[1]	197.3	215.5	620.3	593
Total Company Segments [Member] \| Title Insurance
Consolidated Income Tax Expense (Credits) [Abstract]
Premiums Earned, Net		633.6	615.3	1,702.9	1,718.1
Title, escrow, and other fees		74.9	69	214.4	199.2
Total premiums and fees		708.5	684.4	1,917.4	1,917.3
Net investment income and other income		15.9	14.4	47.6	42.7
Total Operating Revenues		724.5	698.8	1,965.1	1,960
Income (loss) before income taxes (credits) and realized investment gains or losses		40.2	37.4	88.6	89.6
Total Company Segments [Member] \| Total of major segments
Consolidated Revenues [Abstract]
Consolidated revenues		2,126.7	1,927	5,941.5	5,446.2
Consolidated Income (Loss) Before Taxes (Credits) [Abstract]
Income before income taxes		237.5	253	708.9	682.7
Consolidation elimination adjustments [Member]
Consolidated Revenues [Abstract]
Consolidated revenues		(30)	(36.9)	(91.1)	(111.8)
Corporate, Non-Segment
Consolidated Revenues [Abstract]
Consolidated revenues	[2]	47.3	56.9	154.7	174
Consolidated Income (Loss) Before Taxes (Credits) [Abstract]
Income before income taxes	[2]	$ (8.3)	$ (2.1)	$ 5.7	$ 18.5

[1]General Insurance pretax operating income is reported net of interest charges on intercompany financing arrangements with Old Republic's holding company parent of $15.6 and $48.0 compared to $19.9 and $59.1 for the quarters and nine months ended September 30, 2024 and 2023, respectively. The reduction in interest charges for both periods is generally due to note repayment activity.[2]Includes amounts for a small life and accident insurance business, the RFIG Run-off business through the effective date of its sale of May 31, 2024, the parent holding company, and several internal corporate services subsidiaries.

Information About Segments of_4

Information About Segments of Business Textuals (Details) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024 USD ($) segment	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($) segment	Sep. 30, 2023 USD ($)
Segment Reporting Information
Number of major segments \| segment	2		2
General Insurance Group [Member]
Segment Reporting Information
Interest - other \| $	$ 15.6	$ 19.9	$ 48	$ 59.1

Information About Segments of_5

Information About Segments of Business Reconciliation of Assets from Segment to Consolidated (Details) - USD ($) $ in Millions		Sep. 30, 2024	Dec. 31, 2023
Segment Reporting, Asset Reconciling Item
Assets		$ 28,843.8	$ 26,501.4
Intersegment Elimination [Member]
Segment Reporting, Asset Reconciling Item
Assets		(156.2)	(303.2)
Corporate, Non-Segment
Segment Reporting, Asset Reconciling Item
Assets	[1]	1,999.2	2,145.8
General Insurance Group [Member] \| Total Company Segments [Member]
Segment Reporting, Asset Reconciling Item
Assets		25,040.5	22,710.5
Title Insurance \| Total Company Segments [Member]
Segment Reporting, Asset Reconciling Item
Assets		1,960.2	1,948.2
Total of major segments \| Total Company Segments [Member]
Segment Reporting, Asset Reconciling Item
Assets		$ 27,000.8	$ 24,658.8

[1]Includes amounts for a small life and accident insurance business, the RFIG Run-off business through the effective date of its sale of May 31, 2024, the parent holding company, and several internal corporate services subsidiaries.