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State Auto Financial reports second quarter 2018 results

2018-08-06

Quarterly earnings of $0.14 per share
Quarterly loss from operations¹ of $0.08 per share
Quarterly GAAP combined ratio of 107.0
Return on equity of (1.9)%
Book value per share of $19.75

COLUMBUS, OHIO - August 6, 2018 - State Auto Financial Corporation (NASDAQ:STFC) today reported second quarter 2018 net income of $6.0 million, or $0.14 per diluted share, compared to net income of $8.7 million, or $0.21 per diluted share, for the same 2017 period. Net loss from operations per diluted share for the second quarter 2018 was

Hotel Insurance

Managing a hotel means creating meaningful experiences for your guests, moment by moment. We’re focused on providing an insurance experience that gives you peace of mind with the right protection and service.

Safeguard against a range of potential threats

Insurance products designed for the hospitality industry

Safeguard against a range of potential threats

Expertise to help manage the risks faced by hotels

Safeguard against a range of potential threats

Service and guidance from a local agent in your community

Helping hotels manage risk

Chain hotel brands to unique boutique hotels can be covered
Risk engineers with specific industry expertise provide guidance
Experienced in covering all aspects of hotel operations, including pools and restaurants

Providing insurance protection for hotels

Spoilage and contamination of food inventory
The need for extra expenses and lost business income due to foodborne disease
Liability related to serving alcohol
Credit card theft
Equipment breakdown
Workers' compensation

Helping hotels manage risk

- Chain hotel brands to unique boutique hotels can be covered
- Risk engineers with specific industry expertise provide guidance
- Experienced in covering all aspects of hotel operations, including pools and restaurants

Providing insurance protection for hotels

- Spoilage and contamination of food inventory
- The need for extra expenses and lost business income due to foodborne disease
- Liability related to serving alcohol
- Credit card theft
- Equipment breakdown
- Workers' compensation

Home Insurance

Giving you what you need most in home insurance – a choice.

Choose from Standard, Protection Plus and Premier levels of insurance

Add HomeXtended® coverages for your cell phone, computer records, and more

Save money and live smarter with Smart Home and Fortified Home discounts

From basic to the best, we have you covered

Choose your level of insurance protection:
- Standard - Get the basics with some key optional coverages, like ID Theft protection and Replacement Cost for Personal Property.
- Protection Plus - A step up from the basics with additional and expanded key coverages. You also have the option to add our HomeXtended® Coverages Endorsement.
- Premier - When you need the best. Expanded coverages with higher limits, including special items like silverware and jewelry. Our HomeXtended® Endorsement is automatically included.
Customize to fit your home and your life:
- Renters insurance policies - choose from three levels of protection
- Condo owners insurance - purchase specific policies for your needs
- Enhanced HomeXtended Coverages Endorsement is automatically included in Protection Plus and Premier. This includes must-have coverages for your cell phone, personal records and identity fraud.
- Identity Fraud Expense Coverage can also be added to Standard level policies (included in Protection Plus and Premier).
- Get both your home and auto insurance together and save money with our Multi-Policy discount. And, add our State Auto Safety 360sm telematics program to your auto insurance policy, and you could earn a discount of up to 50%!
- Have a smart home? You could get the Smart Home discount.
- Fortified Home Discount offers additional savings for homes built to FORTIFIED standards.
- See the list of additional discounts you could get on your home insurance.

From basic to the best, we have you covered

- Choose your level of insurance protection:
  - Standard - Get the basics with some key optional coverages, like ID Theft protection and Replacement Cost for Personal Property.
  - Protection Plus - A step up from the basics with additional and expanded key coverages. You also have the option to add our HomeXtended® Coverages Endorsement.
  - Premier - When you need the best. Expanded coverages with higher limits, including special items like silverware and jewelry. Our HomeXtended® Endorsement is automatically included.
- Customize to fit your home and your life:
  - Renters insurance policies - choose from three levels of protection
  - Condo owners insurance - purchase specific policies for your needs
  - Enhanced HomeXtended Coverages Endorsement is automatically included in Protection Plus and Premier. This includes must-have coverages for your cell phone, personal records and identity fraud.
  - Identity Fraud Expense Coverage can also be added to Standard level policies (included in Protection Plus and Premier).
  - Get both your home and auto insurance together and save money with our Multi-Policy discount. And, add our State Auto Safety 360sm telematics program to your auto insurance policy, and you could earn a discount of up to 50%!
  - Have a smart home? You could get the Smart Home discount.
  - Fortified Home Discount offers additional savings for homes built to FORTIFIED standards.
  - See the list of additional discounts you could get on your home insurance.

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Findarepaircenter

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State Auto Financial announces third quarter 2018 earnings conference call

2018-10-01

Major milestone for State Auto technology transformation

2018-09-24

State Auto Workers' Compensation

Workers' compensation

State Auto Financial reports second quarter 2018 results

2018-08-06

Hotel Insurance

Helping hotels manage risk

Providing insurance protection for hotels

Helping hotels manage risk

Providing insurance protection for hotels

Tips for talking with your agent

Business Property Resources

You can take simple steps at your business to help prevent someone from a slip, trip or fall.

What do lightning strikes mean if you are a business owner? Power surges.

Featured Resources

You can take simple steps at your business to help prevent someone from a slip, trip or fall.

What do lightning strikes mean if you are a business owner? Power surges.

SmartHomeBanner

couple-house-header1.jpg

Home Insurance

From basic to the best, we have you covered

From basic to the best, we have you covered

Tips for talking with your agent

Homeowners Resources

You’re focused on what your family will do while you’re on vacation. But how should you prepare your home to be, well, home alone?

Follow these initial steps for filing your homeowners insurance claim.

If your new job means some changes in your routine, it might require some changes to your home and auto insurance.

Getting married takes two people in love and a lot of planning. Add your insurance policies to the list of updates to make.

From snow on roofs to frozen pipes, make sure your home or business is ready for winter.

Many own a ladder, but it seems many aren't following ladder safety protocols.

You are a target for identity theft. And once your identity has been stolen, it’s hard to get it back in order.

Your student may be ready – and you may be getting ready, emotionally – but is your insurance coverage ready for your student to leave for college?

Are you prepared if a hurricane hits your area? Here's a handy checklist to help get your ready for severe weather.

Do you consider your boat a second home in warm weather?

Spotting potential problems and using proper pruning techniques before a storm will help keep your trees healthy, beautiful, and safe.

These tips can keep your party from turning into a disaster or a lawsuit.

Featured Resources

You’re focused on what your family will do while you’re on vacation. But how should you prepare your home to be, well, home alone?

Follow these initial steps for filing your homeowners insurance claim.

If your new job means some changes in your routine, it might require some changes to your home and auto insurance.

Getting married takes two people in love and a lot of planning. Add your insurance policies to the list of updates to make.

From snow on roofs to frozen pipes, make sure your home or business is ready for winter.

Many own a ladder, but it seems many aren't following ladder safety protocols.

You are a target for identity theft. And once your identity has been stolen, it’s hard to get it back in order.

Your student may be ready – and you may be getting ready, emotionally – but is your insurance coverage ready for your student to leave for college?

Are you prepared if a hurricane hits your area? Here's a handy checklist to help get your ready for severe weather.

Do you consider your boat a second home in warm weather?

Spotting potential problems and using proper pruning techniques before a storm will help keep your trees healthy, beautiful, and safe.

These tips can keep your party from turning into a disaster or a lawsuit.

Related Products

You know that feeling you get when it’s raining and you remember you have an umbrella? Just knowing it’s there provides extra peace of mind.

We think you deserve extra protection for your home and possessions. You can easily add the HomeXtended® Endorsement to your current home policy and appreciate the added protection and peace of mind.

© 2025 State Automobile Mutual Insurance Company. All rights reserved. Privacy Policy Terms and Conditions Your California Privacy Choices | Do Not Sell or Share My Personal Information(CA Residents Only)

© 2025 State Automobile Mutual Insurance Company. All rights reserved. Privacy Policy Terms and Conditions
Your California Privacy Choices | Do Not Sell or Share My Personal Information(CA Residents Only)