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Triple-I: Legislative reform essential to address impacts of legal system abuse on insurance costs for Georgia...

A comprehensive tort reform package moving through the Georgia General Assembly is essential to addressing the impacts of legal system abuse on the costs of insurance for consumers and businesses in the Peach State, according to Triple-I's newest brief. See also: Triple-I Blog.

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I.I.I. Glossary

CAPACITY- The supply of insurance available to meet demand. Capacity depends on the industry’s financial ability to accept risk. For an individual insurer, the maximum amount of risk it can underwrite based on its financial condition. The adequacy of an insurer’s capital relative to its exposure to loss is an important measure of solvency. A property/casualty insurer must maintain a certain level of capital and policyholder surplus to underwrite risks. This capital is known as capacity. When the industry is hit by high losses, such as after the World Trade Center terrorist attack, capacity is diminished. It can be restored by increases in net income, favorable investment returns, reinsuring more risk and or raising additional capital. When there is excess capacity, usually because of a high return on investments, premiums tend to decline as insurers compete for market share. As premiums decline, underwriting losses are likely to grow, reducing capacity and causing insurers to raise rates and tighten conditions and limits in an effort to increase profitability. Policyholder surplus is sometimes used as a measure of capacity.

FEDERAL INSURANCE ADMINISTRATION / FIA- Federal agency in charge of administering the National Flood Insurance Program. It does not regulate the insurance industry.

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Triple-I: Legislative Reform Essential to Address Impacts of Legal System Abuse on Insurance Costs for Georgia Consumers and Businesses

For Immediate Release  Loretta Worters New York Press Office 917-208-8842 lorettaw@iii.org    MALVERN, Pa., Feb.13, 2025 — A comprehensive tort reform package moving through the Georgia General Assembly is essential to addressing the impacts of legal system abuse on the costs of insur… Read More

Triple-I: Workers’ Comp Continues Strong Trend of Underwriting Profitability

Media Contact: Florida Press Office Mark Friedlander 904-806-7813 MarkF@iii.org     MALVERN, Pa., Feb. 11, 2025 – The U.S. Read More

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Events Calendar

CAS RPM Seminar
March
12
2025
Triple-I Chief Insurance Officer Dale Porfilio will presenting at CAS RPM Seminar on March 12, 2025 in Orlando, Florida. Checkout event website.
In2Leadership
April
29
2025
Triple-I Chief Insurance Officer Dale Porfilio will presenting at the CPCU's In2Leadership conference April 29–30, 2025 in Westin Peachtree Plaza, Atlanta. Checkout event website.
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