Kemper also recorded a $16.6 million after-tax allowance for credit losses associated with surplus notes issued by Kemper Reciprocal Exchange. McAnena said Kemper needs rate increases in the double-digit range to restore profitability in the state, alongside non-rate measures and cost reductions. Commercial Auto Growth to Be More DisciplinedCommercial auto posted an underlying combined ratio of 93.7%, while policies in force increased 9.2% from a year earlier. McAnena said Kemper will take additional rate and tighten underwriting standards in commercial auto, even if those actions reduce near-term growth. Camden said commercial auto has roughly $1 billion in reserves, with about 90% related to bodily injury coverage.