Erie Indemnity Co

Company facts

Industry

Insurance Agents, Brokers & Service

Headquarters

Erie, Pennsylvania

Most recent report

10-Q, filed Jul 30, 2026

Incorporated

Pennsylvania

Filings on record

1,001+ filings

On EDGAR

CIK 922621

Fiscal year ends

December

Filer status

Large accelerated filer

What to read: Jun 2026 10-Q

SECSift found 3 of 10 sections worth reading, with 1 positive, 9 notable, and 3 negative flags.

• Legal Proceedings (Item 1)

  Core financial results and key disclosures for the quarter.
  Notable

  • Pension plan: $47M contributed in Jan 2026, plus planned $30M additional in Q3 2026.
  • Agent loan program: $150M max, $68.7M outstanding, and $24.3M guarantee.
  Negative

  • Concentration risk: receivables from sole customer Exchange were $753.2M at June 30, 2026.

• Unregistered Sales and Repurchases (Item 2)

  Core MD&A with segment results, premium trends, and liquidity.
  Positive

  • Exchange policyholders' surplus grew to $10.7B from $10.1B at year-end, strengthening its financial base.
  Notable

  • Still seeking cyber insurance recovery for 2025 incident; no material impact yet.
  • Average premium per policy growth decelerated sharply to 6.8% from 11.9% year-over-year.
  • Personal lines growth lagged at 1.2%; commercial lines jumped 8.3% in Q2.
  • Net unrealized losses on available-for-sale securities swung to $10.3M losses from $1.3M gains.
  • Company plans $30M discretionary pension contribution in Q3 2026, beyond required funding.
  Negative

  • Policies in force fell 2.0% in Q2 2026 vs a 1.7% rise a year ago; a worrisome reversal.

• Legal Proceedings (Item 1)

  Lawsuit over core management fee expands to more years and plaintiffs.
  Notable

  • Third Circuit ruled district court abused its discretion in granting Indemnity's preliminary injunction.
  • Indemnity voluntarily dismissed its federal action on April 27, 2026 after Supreme Court denied cert.
  Negative

  • Amended complaint adds 2 plaintiffs, expands challenge to management fee from 2020-present.

What changed: Jun 2026 vs. Mar 2026

About 4% of ERIE's Jun 2026 10-Q is new information. 11 paragraphs were added, 119 changed, and 14 removed. Below are the most important lines SECSift identified.

• Item 1 41
• Item 2 39
• Part I 6
• Item 3 1
• Item 4 1
• Item 6 1