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Affinity operates on a five year accounting cycle for commuting a specific underwriting year, with the Board of Directors endeavoring to declare an initial dividend distribution for a single underwriting year, three years after the close of the policy period.

Historical Dividend Distribution

Affinity has now declared dividends in excess of $340,000,000 as of the January 2021 Board of Directors Meeting. In addition to the dividend distributions, premium reductions continue to occur due to attention to loss prevention, the core of Affinity's success. The dividends have and will continue to be declared based on the continued strength of Affinity members’ safety and claims administration programs.