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This PowerPoint report, presented at the Maryland Auto Insurance Plan Senate Hearing on Uninsured Motorists, provides a detailed look at the state’s private auto insurance market and the state’s residual market. As of 2013, 99 percent of all private passenger motor vehicles insured in Maryland are insured in the private market, leaving only 1 percent insured by the state’s residual market—the same as the U.S. market overall....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of October 2015 on detailed insurance industry employment, and the Insurance Information Institute (I.I.I.) website contains updated multi-decade trend data in chart form....
This presentation, given at the Southwest Actuarial Forum in San Antonio, Texas, discusses inflation and loss trends and how they can affect the pricing and reserving of property/casualty insurance companies. The presentation discusses various measures of inflation and the advantages and disadvantages of each, and particularly how they affect property/casualty loss trends....
This PowerPoint report, presented at the Casualty Actuaries of Greater New York meeting, explores the trends, challenges and opportunities facing the property/casualty (P/C) industry for 2016 and beyond. It begins with a discussion of financial results from 2014 and into 2015, and then focuses on the trends, challenges and opportunities in P/C insurance industry overall for 2016. It further discusses performance by industry segment, automobile and automobile and homeowners insurance....
This presentation to the Consumer Federation of America’s 28th annual Financial Services Conference in Washington, DC discusses the importance of non-driving factors such as age, gender, territory and insurance credit scores in properly apportioning risk in the rating of personal automobile insurance policies. It also discusses how insurers use price optimization software add objective analysis to the formerly subjective practice of adjusting actuarial rate indications....
This PowerPoint report, presented at the Casualty Actuarial Society Annual Meeting, explores the trends, challenges and opportunities facing the property/casualty (P/C) industry for 2016 and beyond. It begins with a discussion of financial results from 2014 and into 2015, looking at the peaks and troughs in the industry from 1975 to the present day....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of September 2015 on detailed insurance industry employment, and the Insurance Information Institute (I.I.I.) website contains updated multi-decade trend data in chart form....
This PowerPoint report, given at the PCI Legislative & Political Conference, focuses on the trends, challenges and opportunities unique to the so-called Sharing or On-demand Economy. Insurers need to respond to the all the many ways—both simple and complex—that this movement is impacting everyday life. Many property/casualty lines are affected, including professional and other liability coverages, auto, homeowners and workers compensation....
This powerpoint report, presented at the Florida Chamber of Commerce Insurance Summit, provides an update on Florida property/casualty (P/C) insurance market trends with a focus on challenges and opportunities. It also provides an in-depth look at profitability and growth in the Florida P/C insurance market line-by-line in comparison with the U.S. average....
This PowerPoint report, presented to the Federation of Defense and Corporate Counsel, discusses the top 10 challenges confronting the insurance industry today, including notable trends, challenges and opportunities. It begins with an overview of financial performance in 2014 into 2015 and looks at investment performance as a driver of profitability. It also examines the impact of capital accumulation, M&A growth, pricing trends, underwriting performance and insured catastrophe losses....
This powerpoint report, presented at the Westchester CPCU Chapter Conferment Dinner, explores the top challenges facing the insurance industry today. It begins by discussing financial results for 2014 through the first half of 2015, and discusses investments, capital/capacity, alternative capital, M&A, growth, pricing trends and performance. It concludes with a look at insured catastrophe losses 2013-2015....
This PowerPoint report, presented at the Alabama Insurance Day Conference, examines the trends, challenges and opportunities facing insurance company CEOs. The presentation begins with a discussion of financial results from 2014 through 2015, and looks at the peaks and troughs in the industry from 1975 to the present day, with an in-depth review of return on net worth....
This report provides an overview and outlook for the property/casualty insurance industry, with a focus on Midwest casualty markets. It discusses industry results, particularly among casualty lines, including forecasts for upcoming years. It also discusses the impact low interest rates have had on the industry, particularly how they affect underwriting results. It shows the impact of changes in the frequency and severity of claims....
This PowerPoint report looks at the trends, challenges and opportunities facing the property/casualty (P/C) industry and begins with a discussion of financial results from 2014 and into 2015, looking at the peaks and troughs in the industry from 1975 to the present day....
This PowerPoint report, presented at the State Insurance Trade Association Conference, examines the trends, challenges and opportunities facing insurance company CEOs. The presentation begins with a discussion of financial results from 2014 through 2015, and looks at the peaks and troughs in the industry from 1975 to the present day, with an in-depth review of return on net worth....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of August 2015 on detailed insurance industry employment, and the Insurance Information Institute (I.I.I.) website contains updated multi-decade trend data in chart form....
This presentation gives a detailed overview and outlook for the property casualty (P/C) insurance industry for 2015. It begins with a look at profitability peaks and troughs for the P/C industry from 1975 through the first quarter of 2015 and makes a prediction based on history when the next peak will be. It also discusses future growth drivers, with a focus on investment performance and takes a look at the impact that capital accumulation will have on the industry....
Incorporating Swiss Re sigma report, and insights from The Insurance Information Institute's president, Dr. Robert Hartwig into the U.S.'s regulatory climate and its unique market dynamics, the presentation offers global overview of the "Protection Gap" problem, analyzing how the U.S. markets measure up, and surveying some of the root causes of shortfalls that are global in nature, threatening U.S. markets, as well as those in other industrialized and developing countries....
This PowerPoint report presents an in-depth analysis of insured catastrophe losses and competition in the Massachusetts homeowners insurance market. It begins with a summary of insured catastrophe losses in the state from 2005 to 2015, and details the severity of winter storm losses. It concludes with a competitive analysis showing how Massachusetts compares in the homeowners insurance market with other states in the Northeast....
This PowerPoint report, presented at the Wisconsin Insurance Association Fall Membership Meeting, gives a detailed overview and outlook for the property casualty (P/C) insurance industry for 2015, with a focus on Wisconsin markets. It begins with a look at profitability peaks and troughs for the P/C industry from 1975 through the first quarter of 2015, and makes a prediction based on history when the next peak will be....
This PowerPoint report, presented at the Insurance Auto Auctions Industry Leadership Summit, discusses the overall economic state of the P/C insurance industry with a on auto insurance markets. It begins with an analysis of growth in the auto insurance sector by state and over time. It also explores the question of whether we have hit “peak auto,” by examining vehicle and driver exposure influences....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of July 2015 on detailed insurance industry employment, and the I.I.I. website contains updated multi-decade trend data in chart form....
This PowerPoint report, presented at the Workers Compensation Educational Conference, lists and explains the six mega trends impacting the workers compensation insurance industry. It begins with a financial overview and is followed by a section that addresses adverse labor market developments and a look at various labor sectors. It also touches upon the on-demand economy and concludes at the disruptive forces the industry faces....
This PowerPoint report, presented to the P/C Insurance Survey Group, gives a detailed overview and outlook for the property casualty (P/C) insurance industry for 2015. It begins with a look at profitability peaks and troughs for the P/C industry from 1975 through the first quarter of 2015, and makes a prediction based on history when the next peak will be....
This PowerPoint report provides an overview and outlook for private passenger auto insurance markets, including economic growth drivers, determinants of household demand and growth trends for premiums. It also discusses personal auto ad spending, rate and exposure trends, underwriting and profitability analysis, claim trends by coverage type and autonomous vehicles. Finally, it examines the Consumer Reports and Consumer Federation of America’s attacks on auto insurers....
This PowerPoint report gives a detailed overview and outlook for the property/casualty (P/C) insurance industry for 2015. It begins with a look at profitability peaks and troughs for the P/C industry from 1975 through the first quarter of 2015, and makes a prediction based on history when the next peak will be....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of June 2015 on detailed insurance industry employment, and the I.I.I. website contains updated multi-decade trend data in chart form....
On July 17, 2015, Robert Hartwig, president of the Insurance Information Institute, provided testimony at the National Conference of Insurance Legislators on price optimization in auto insurance markets. This PowerPoint report and associated written testimony, delivered at the conference, addresses the various issues surrounding price optimization in auto insurance markets and questions the recent controversy....
According to a new study by Munich Re, in the first half of 2015, natural catastrophes in North America caused overall losses of $12 billion, of which insurers bore $8 billion. Said President and CEO of Munich Reinsurance America, Inc. Tony Kuczinski, “The costliest global natural catastrophe for the insurance industry in the first half of the year was a series of exceptionally cold and snowy winter storms that struck the Northeastern U.S....
This PowerPoint report, given at the Mid-Year P/C Insurance Symposium of the Insurance Council of Texas, begins with a financial overview of the Property/Casualty (P/C) industry from 1975 to the present, and looks at profitability and growth in the Texas P/C market....
This PowerPoint report, given at a meeting of the New York State Insurance Fund, focuses on the New York market and begins with an overview of the workers compensation operating environment. It also discusses the trends, challenges and opportunities in the workers compensation insurance industry for 2015, including a look at the labor market and trends. It also outlines pricing trends in commercial lines and how economic factors will influence growth opportunities....
This presentation, given at the American Bar Association Magna Carta 800 Conference, discusses strategies on how to adapt to the risky world of tort liability. It gives an overview of U.S. tort cost trends from 1933 to the present day, and discusses liability insurance markets in major international insurance markets. In addition it provides an in-depth look at cost drivers and emerging risks, such as data breaches, fracking, autonomous vehicles, climate-change litigation and more....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of April 2015 on detailed insurance industry employment, and the I.I.I. website contains updated multi-decade trend data in chart form....
This presentation, based upon a presentation made to the Casualty Actuaries of Greater New York, discusses professionalism issues for actuaries concerning the use of price optimization in setting insurance rates. The presentation provides background on the topic of price optimization, including varying definitions of the term as given by state regulators and other interested parties....
This PowerPoint presentation focuses on the trends, challenges and opportunities for the Workers Compensation insurance industry for 2015. Beginning with a national and state-by-state-overview of GDP, it discusses labor market and industry-by-industry trends. It also outlines the overall Workers Comp operating environment, pricing trends in commercial lines and how economic factors will influence property/casualty growth opportunities....
This presentation, given at the Spring Meeting of the Casualty Actuarial Society in Colorado Springs, Colorado, discusses inflation and loss trends and how they can affect the pricing and reserving of property/casualty insurance companies. The presentation discusses various measures of inflation and the advantages and disadvantages of each, and particularly how they affect property/casualty loss trends....
This presentation, given at the NCCI Annual Issues Symposium in Orlando, FL on May 14, gives an overview of the current and future state of workers compensation, in the context of present economic conditions and other market and industry influences. It explores investments, labor market trends, and the role of technology, while emphasizing the disruptive forces behind the “on-demand” economy....
This powerpoint presentation, given at the 2015 Governor’s Hurricane Conference, discusses several of the dozens of insurance products available to protect small and medium-sized businesses against risk. While some policies are bundled to cover the most common perils a business may face, others are more specialized, especially for businesses that are complex and have differentiated needs....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of March 2015 on detailed insurance industry employment, and the I.I.I. website contains updated multi-decade trend data in chart form....
This PowerPoint report, presented at Maryland I-Day, specifically addresses riots, civil commotion and insurance. More broadly, it delivers a financial overview of the industry as well as profitability and growth in Maryland property/casualty markets and across the nation....
This PowerPoint report, presented at the Target Markets Midyear Conference, discusses industry financial performance in 2014 with an outlook for 2015, a look at the impact of capital accumulation, alternative capital and industry performance and performance by segment. Additional areas covered are commercial lines pricing trends, a U.S. insured catastrophe loss update, federal disaster declarations patterns and an update on riots, civil commotion and insurance....
This PowerPoint report, presented to the Agency Network Exchange, looks at 2014 industry financials and discusses what is possible for 2015. It also explores in depth the New Jersey market specifically, the role investments play in profitability and the growth environment for property/casualty insurers....
This PowerPoint report, presented to the Minnesota Workers Comp Insurers’ Association, gives an overview of 2014 industry financials, and discusses what is possible for 2015. It also outlines the workers comp operating environment, pricing trends in commercial line and how economic factors will influence property/casualty growth opportunities....
This PowerPoint report, presented at the W.R. Berkley Midwest Employers Casualty Meeting, discusses industry financial performance in 2014 with an outlook for 2015, the impact of capital accumulation, alternative capital, performance and growth analysis by segment, economic trends and the workers compensation operating environment....
This PowerPoint report, presented at the 2015 Coastal Risk Retreat, focuses on the damage susceptibility of the coast of North Carolina if it were to be struck by major storms. It outlines exposure to catastrophic loss, and explores take-up rates in flood insurance and public sentiment toward the coverage....
This Power Point presentation, made at the AIPSO Residual Market Forum in Waverly, Rhode Island, discusses key trends in the automobile industry and their insurance implications. One section discusses recent increases in the number of miles Americans are driving, which generally indicates that insurable exposures are increasing. Another section discusses unauthorized immigrants. In January California became the tenth state to allow unauthorized immigrants to apply for drivers licenses....
This PowerPoint report, presented at the National Hurricane Conference, discusses flood insurance, specifically government backed vs. private market alternatives. The presentation also provides sections on the history of the National Flood Insurance Program, data on flood insurance policy holders, what’s covered under homeowners and flood policies and Insurance Information Institute resources available to the public for help in disaster preparedness planning....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of February 2015 on detailed insurance industry employment, and the I.I.I. website contains updated multi-decade trend data in chart form....
This PowerPoint report, presented at the 2015 National Hurricane Conference, discusses the motivations of property owners to pursue insurance coverage, including highlights from an Insurance Information Institute public survey of homeowners and renters. It also includes data on homeowner inclination to purchase flood insurance following disasters as well as slides on hazard risk scores by state....
This PowerPoint report, presented at the 2015 National Hurricane Conference, explores coastal property risk in the post-Katrina age, including a look at home value exposure, data on P/C homeowners claims and insured catastrophe losses. The presentation also provides sections on claims management, industry capital capacity, trends and public attitude toward flood insurance....
This PowerPoint report, presented to LPI/ULPA, focuses on the partnership between LPI/ULPA and the activities and resources offered by the I.I.I. in support of the LPI/ULPA mission in 2014, and the plans for 2015. Sections take a look at activities and press with special attention paid to information available through the I.I.I. website, including facts and statistics, articles and videos....
This PowerPoint report, a media training session, was presented at the 2015 LPI/ULPA Conference and provides guidelines and recommendations for industry professionals when interacting with media. Areas covered are best practices on how to prepare for interviews to achieve maximum impact and crisis PR tips....
This PowerPoint report, presented to the Annual Circle of Chief Economists, discusses the impact of alternative capital on global insurance and reinsurance markets. It discusses low yields, the glut of capital and details how alternative capital is changing the reinsurance landscape, with special attention paid to catastrophe bonds....
This PowerPoint report, presented at the Ole Miss Insurance Symposium, provides an overview of industry, highlighting profitability, growth, global expansion, investing, the Affordable Care Act, and competition. Special attention is paid to industry disruptors such as autonomous vehicles....
This PowerPoint report, presented at 19th Annual NYSSA Insurance Conference, provides an outlook and overview of the commercial property/casualty (P/C ) insurance industry. Sections include a U.S. insured catastrophe loss update, a review of cyberrisk, a discussion on capital/capacity and a review of P/C insurer growth opportunities....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of January 2015 on detailed insurance industry employment, and the I.I.I. website contains updated multi-decade trend data in chart form....
This PowerPoint report, presented at the Golden Gate CPCU I-Day, discusses financial literacy, and what impact that client literacy has for CPCU professionals in the property/casualty insurance industry as they assess risk factors. Sections discuss why literacy is important, how it impacts decision-making and the implications of illiteracy on the business....
This PowerPoint report presents an overview of the trends, challenges and opportunities facing the property/casualty (P/C) insurance industry. The presentation includes a P/C industry financial update and outlook, a review of profitability and growth in New York state P/C markets and a discussion of top insurance issues such as cyberrisk and terrorism. Other sections focus on capital/capacity, alternative capital, commercial lines pricing trends and P/C insurer growth opportunities....
This PowerPoint presentation focuses on trends, challenges and opportunities facing the commercial property/casualty insurance industry. Sections include a commercial lines outlook for 2015, and an analysis of pricing trends, performance by segment and growth by state and business segment. Other sections highlight top insurance issues, including terrorism and cyberrisk, and a discussion of alternative capital....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of December 2014 on detailed insurance industry employment, and the I.I.I. web site contains updated multi-decade trend data in chart form....
This PowerPoint report, presented at 12th Annual National Workers Compensation Insurance ExecuSummit, lists and explains the 6 mega trends impacting the Workers Compensation insurance industry. Sections include a look at overall profitability, and detail on the mega-trends: exposure base, workplace safety, inflation and claim severity, low investment returns an aging workforce and the obesity epidemic....
This PowerPoint report, presented to the Association of General Contractors at the Surety Bond & Construction Risk Management Conference, provides an outlook and overview of the trends, challenges and opportunities in the surety and property/casualty (P/C) insurance industry. Sections include a look at underwriting performance, and opportunities for growth in surety, and a discussion on the status of the P/C industry overall, detailing growth, underwriting, investments and profitability....
This PowerPoint presentation includes a property/casualty insurance Industry financial update and a review of such top insurance issues as terrorism and the renewal of TRIA and cyberrisk. Other sections focus on alternative capital, commercial lines pricing trends, a growth analysis by state and business segment and a discussion of capital and capacity....
This PowerPoint presentation by Robert Hartwig, president of the Insurance Information Institute, provides an overview of the property/casualty (P/C) insurance industry. A section deals with the structure of the P/C insurance industry, including organizational and marketing structure of insurers, and facts about the industry, another section reviews how P/C insurance works, with a focus on insurance cycles and drivers of, and importance of profits....
This PowerPoint report, presented by Janet Ruiz, California representative of the Insurance Information Institute, at the Insurance Industry Charitable Foundation Philanthropy Roundtable Meeting includes the following sections: The mission of III, catastrophe communications, member services and products that III offers including social media and mobile apps....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of November 2014 on detailed insurance industry employment, and the I.I.I. website contains updated multi-decade trend data in chart form....
On January 7 Munich Re and the Insurance Information Institute hosted a webinar that provided an overview of 2014 natural catastrophes. Speakers included Carl Hedde, head of Risk Accumulation, Munich Reinsurance America, whose presentation offered a global and U.S....