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This presentation 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....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of October 2016 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 explores the trends, challenges and opportunities in Personal Lines insurance for 2016 and beyond. It begins with a discussion of industry financials from 1991 into 2016, looks at the investment environment and interest rates forecasts. The economy and employment is also explored in depth, and special focus is paid to how the Trump presidency will likely impact the insurance industry....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of September 2016 on detailed insurance industry employment, and the Insurance Information Institute’s (I.I.I.) website contains updated multi-decade trend data in chart form....
The October 2016 Insurance Information Institute (I.I.I.) white paper, Cyberrisk: Threat and Opportunity, discusses how insurers are responding with products and coverages to address the growth in cyberrisk. To help you understand and explain the key points of this paper, we offer this deck of PowerPoint slides with key insights and data—available exclusively to I.I.I. members and subscribers....
This PowerPoint report focuses on the trends, challenges and opportunities in the property/casualty (P/C) insurance industry in 2017 with emphasis on the Ohio insurance market. The presentation starts off with an overview of the overall industry so far, with 2013 to 2015 being three good consecutive years, and predicts that the trend might continue into 2017. The history of profitability peaks and troughs suggests that the next ROE peak will be occur in 2016 to 2017....
This PowerPoint provides an outlook on personal lines insurance in 2017 and beyond with a look at claims, industry concerns and thoughts about Silicon Valley’s attitude toward autonomous vehicles. The presentation begins with several slides showing how the property/casualty (P/C) insurance industry entered 2016 in very strong financial condition, ended June 2016 with a record high surplus of $680.64 billion....
This presentation, made Oct. 20 at the S&P Mergers and Acquisitions Symposium in New York City, discusses insurance issues and the November elections. The presentation discusses global political and economic issues such as prospects for weaker economic growth and the rise of the political right and the impact that it is having on U.S. elections. It notes the increasing gridlock on the national scene and the rising use of social media by candidates to communicate directly with the public....
This PowerPoint report examines issues and provides outlook on the property/casualty (P/C) insurance industry and the U.S. economy. The report notes that 2013 to 2015 were three good consecutive years for the industry. The presentation predicts that there will be modest economic growth from 2016 to 2017. In 2015 the P/C industry net income after taxes was $56.6 million. The report provides an in-depth look at how depressed yields will continue to affect underwriting and pricing....
This PowerPoint presentation reviews anticipated trends, challenges and opportunities in the property/casualty P/C industry in 2017 and beyond. The report discusses the annual changes of net premium growth for all P/C lines in the second quarter and predicts a 2.9 percent change in 2017 from 3.0 in 2016. It discusses how underwriting results have come under pressure because of the increases in both the accident rate and the size of the average auto insurance claim....
The October 2016 Insurance Information Institute white paper, Personal Automobile Insurance: More Accidents, Larger Claims Drive Costs Higher, discusses causes and effects of simultaneous dramatic increases in vehicular accident rates and the size of insurance claims over the past two years. To help you understand and explain the key points of this paper, we offer this deck of PowerPoint slides with key insights and data—available exclusively to I.I.I. members and subscribers....
This PowerPoint report discusses the global economy and rising risk in the property/casualty (P/C) insurance market. The insurance industry is very sensitive to the global economic and political environment, with a multitude of exogenous factors influencing growth, performance & cyclicality, including issues that range from terrorism and cyberattacks to natural disasters and negative interest rates....
Personal auto insurance has been affected in the past two years by increases in both the accident rate and the size of claims across most coverages. This presentation, given at the annual meeting of the Insurance Council of New Jersey, examines what is behind the trends and includes information about trends by coverage in the Garden State....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of August 2016 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 looks at immediate and long-term challenges to the property/casualty industry. Personal auto insurance has been affected in the past two years by increases in both the accident rate and the size of claims across most coverages. This presentation examines what is behind the trends. The presentation also discusses potential industry disrupters, including a new Peer-to-peer (P2P) insurer, Lemonade, whose business model was recently announced....
This PowerPoint presentation focuses on key issues affecting the insurance industry. The report begins by explaining the mission of the Insurance Information Institute, and how state trades are critical in helping the organization identify emerging issues on the state and local levels. It transitions into a review on trends in auto. Auto accidents are increasing in both frequency and severity, which has also led to a rise in payout from insurers....
This presentation, given at the meeting in Atlanta, of the Casualty Actuaries of the Southeast, gives an overview of the current property/casualty insurance market and looks at issues that may affect the industry’s future. The industry in 2016, while profitable, has seen profits lag in the first half of 2016 before increasing auto insurance costs and an increase in catastrophes, particularly in Texas....
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This PowerPoint report explores the trends, challenges and opportunities in the commercial property/casualty (P/C) industry for 2016 and beyond. The presentation begins with a financial update outlook for 2016, vis a vis a look at industry financials over time and takes a look at profitability and politics, in this election year....
This PowerPoint report explores the economic perspectives on the future of reinsurance. In context of the global economy, the presentation discusses important consequences for insurer and reinsurer growth opportunities. Emerging economies (led by China at 6.2 percent and India at 7.4 percent) are expected to grow by 4.6 percent overall in 2017....
This presentation, made to the St. Louis CPCU chapter, gives a general overview of the property/casualty industry through second quarter 2016. Despite a catastrophe-driven decline in net income so far in 2016 and a year-to-date combined ratio near 100, the industry continues to be financially robust, with surplus at or near a record. It discusses the impact of lower interest rates and increasing claims on insurer results....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of July 2016 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 provides the property/casualty (P/C) insurance industry overview and outlook for 2016. The report notes that 2013-2015 were three good consecutive years for the industry and predicts that the trend might continue into 2016. In 2015 the P/C Industry net income after taxes was $56.6 million. The history of profitability peaks and troughs in the P/C Insurance Industry suggests that the next ROE peak will be in 2016-2017. However, the report found that to be unlikely....
Jeanne M. Salvatore spoke at the National Association of Latino and Elected and Appointed Officials at their National Policy Institute on Emergency and Planning and Preparedness meeting on August, 19, 2016 in Boston, MA on what elected officials need to know about insurance and disaster preparedness....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of June 2016 on detailed insurance industry employment, and the Insurance Information Institute’s (I.I.I.) website contains updated multi-decade trend data in chart form....
This PowerPoint report examines the property/casualty (P/C) insurance industry financials in depth, including a detailed look at net income, profitability, combined ratio, P/C insurance industry ROE and NPW Premium Growth. While capacity and industry capital remain at record highs, they have stabilized. The report also delves into a discussion of capital accumulation, and explores the question if a drive for growth and scale is stimulating M&A activity....
This PowerPoint report provides the property/casualty (P/C) insurance industry outlook for 2016 along with a detailed look at profitability and growth in Texas markets. The P/C insurance industry entered 2016 in very strong financial condition. The industry now has $1 of surplus for every $0.77 of NPW, close to the strongest claims-paying status in its history....
This PowerPoint report examines the role of insurance within the “on-demand economy,” and millennials. The report looks at how the sharing economy will influence the workforce in the future and the property casualty insurance industry. Technology and employment are two factors that have made the on-demand economy possible. However, on-demand platforms have struggled with the issue of liability....
This PowerPoint report explores in depth the factors affecting the frequency and severity of auto losses. It discusses how underwriting results have come under pressure because of the increases in both the accident rate and the size of the average auto insurance claim. It features an analysis of the growth and profitability of private and commercial auto insurance across the country, focusing on states in the Midwest, West and South....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of May 2016 on detailed insurance industry employment, and the I.I.I. web site contains updated multi-decade trend data in chart form....
This PowerPoint report outlines the disruptors in the in the property/casualty (P/C) insurance industry and explores the trends, challenges and opportunities for 2016 and beyond. It begins with a detailed discussion of the economy and the major factors influencing growth and profitability affecting the industry....
This PowerPoint report discusses the trends, challenges and opportunities in in the property/casualty (P/C) insurance industry for 2016 and beyond. It begins with a detailed discussion of industry financials, including a detailed look at net income, profitability, combined ratio, policyholder surplus, P/C insurance industry ROE and NPW Premium Growth....
This PowerPoint presentation was given at the Special Libraries Association conference in Philadelphia as part of the panel session called Insurance Research: Recent Studies & Trends and Information Sources....
This PowerPoint report discusses the five main ways in which the insurance industry has changed in the last quarter century. The first way it has changed is that there is less cyclicity. The second is that it is stronger and more resilient. Global capacity is at or near record highs despite record CATs. However, the report warns that capital accumulation is a double-edged sword. The third way the industry has changed is that it is less dependent on investment income....
This PowerPoint report explores the trends, challenges and opportunities in Personal Lines insurance for 2016 and beyond. It begins with a discussion of industry financials from 2014 and into 2015, looks at the investment environment and interest rates forecasts and then explains what the top issues in insurance are now, focusing on the rise in technology. The state of the Personal Lines market is explored in depth....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of April 2016 on detailed insurance industry employment, and the Insurance Information Institute (I.I.I.) website contains updated multi-decade trend data in chart form....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) published data as of March 2016 on detailed insurance industry employment, and the Insurance Information Institute (I.I.I.) website contains updated multi-decade trend data in chart form. The insurance industry/sector-specific data are not seasonally adjusted and are one month behind the national data. Accordingly the report released on May 6 provides national data for April 2016 and industry/sector-specific data for March 2016....
This PowerPoint presentation, given at the Nevada Traffic Safety Summit in Las Vegas, discusses the advent of driverless technology features on autos. It notes that these are the latest of a long line of safety features that have for decades driven claim frequency down significantly. All features emerge slowly into the marketplace, and driverless features will probably move into the marketplace at a similar rate, giving insurers significant time to understand and adapt to the new technology....
This PowerPoint presentation, given at the Nevada Traffic Safety Summit in Las Vegas, discusses how insurance companies use rating variables to determine a risk-adjusted rate for all customers. It discusses the strengths and weaknesses of using driving record then discusses non-driving factors that most insurers use where permitted, including age and gender of driver, rating territory and insurance credit score....
This PowerPoint report explores in depth natural and manmade catastrophes in 2015 and looks at future underinsured risks. Among the findings: the number of natural catastrophe events continues to trend up. The top insured loss in 2015, however, was a man-made event—the Tianjin, China, port explosion that killed 173 people and is projected to cost $2.5 to $3.5 billion. Global losses totalled $92 billion in 2015 with nearly 60 percent uninsured....
This PowerPoint presentation explores financial results and trends in property/casualty insurance for 2016. The presentation begins with a discussion of industry financials in 2015 and discusses economic and pricing trends. The report closes with a discussion of 2015 cyber insurance writing and results. ...
This PowerPoint report explores in depth the factors that are driving adverse passenger auto loss trends in Georgia, including lower gas prices, higher speed limits and a higher number of drivers on the road. The presentation begins with an overview of financial data and socio-economic data to contextualize and explain the trend. Georgia lags in the region and in the U.S. overall in private passenger profitability....
This PowerPoint report explores in depth labor market trends, beginning with a look at how the economy will impact workers compensation growth and performance. It states that with the unemployment rate falling to the lowest level since 2008 and payrolls expanding to a record high, the recovery is forecasted to continue into 2016. A look at unemployment and underemployment, an analysis of the latest data on payroll vs....
This PowerPoint report explores the trends, challenges and opportunities in the global insurance and reinsurance industries for 2020 and beyond. The presentation begins with defining the five major categories for external global risks and discusses their corresponding insurance solutions, and states that insurance is able to manage most. It further defines the top three disruptive forces in insurance as economic events, capital markets and political events....
This PowerPoint report, presented to the NCCI Annual Issues Symposium, explores in depth labor market trends, including a look at unemployment and underemployment, an analysis of the latest data on payroll vs. workers compensation net written premiums from 1990 to 2015, positive labor market developments, adverse long-term labor market developments, a construction industry overview and outlook and a look at the manufacturing and energy sectors....
This PowerPoint presentation explores the trends, challenges and opportunities in property/casualty insurance for 2016 and beyond. Underwriting performance is presented, as well as the state of insured catastrophe losses, claim trends in private passenger insurance, economic and demographic considerations....
This PowerPoint report, presented to the San Francisco Board of Marine Underwriters, discusses risk and reward in the marine insurance market. Marine insurance is very sensitive to the global economic and political environment, with a multitude of exogenous factors influencing growth, performance & cyclicality, including issues that range from terrorism and cyberattacks to natural disasters and negative interest rates....
This PowerPoint presentation explores the trends, challenges and opportunities in property/casualty insurance for 2016 and beyond. Underwriting performance is presented, as well as the state of insured catastrophe losses, claim trends in private passenger insurance, economic and demographic considerations. The presentation begins with a discussion of industry financials from 2014 and into 2015, and then focuses on California. P/C insurer profitability in California is above that of the U.S....
This PowerPoint presentation explores the trends, challenges and opportunities in personal lines insurance for 2016 and beyond. Underwriting performance is presented, as well as the state of insured catastrophe losses, claim trends and economic and demographic considerations. The presentation begins with a discussion of industry financials from 2014 and into 2015, and then focuses on Hawaii....
This PowerPoint report explores the trends, challenges and opportunities in Personal Lines insurance for 2016 and beyond. It begins with a discussion of industry financials from 2014 and into 2015, looks at the investment environment and interest rates forecasts and then looks at the top issues in insurance now: a rise in technology, and a decrease in catastrophes, and addresses the attacks on pricing methodologies and underwriting criteria....
This PowerPoint presentation, presented at the East Carolina University Coastal Risk Retreat in Greenville, NC, discusses trends in the property/casualty insurance industry with a focus on North Carolina and surrounding states. The presentation examines preliminary financial results for 2015 and discusses significant challenges facing the industry, including low interest rates and rising frequency and severity, particularly in personal auto insurance....
This PowerPoint report, presented at the Mississippi State University’s I-Day, discusses risk and reward in the Property/Casualty insurance market in the U.S., with a focus on Mississippi markets. The industry has had several moderately successful years, considering premium growth, underwriting performance, and profitability, and the prospects for continued growth, both across the U.S. and in Mississippi specifically, suggest that the next few years might deliver more of the same....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of February 2016 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 explores the trends, challenges, disruptors and opportunities in the global commercial property/casualty insurance industry for 2016 and beyond. The presentation begins with a financial update outlook for 2016, vis a vis a look at historical industry financials and a more detailed exploration of 2014 and into 2015. It also explores the impact of 2016 being an election year, the investment climate and what might be ahead for interest rates....
This PowerPoint provides an overview of what is changing in the National Flood Insurance Program, as well as the availability of private excess flood insurance. It also includes information about what homeowners, renters and small business owners need to understand about what is covered and what is not covered by flood insurance as well as common misperceptions about the risk of flooding in many areas....
This PowerPoint report explores the trends, challenges, disruptors and opportunities in the property/casualty (P/C) insurance industry for 2016 and beyond. It begins with an outlook for P/C lines in 2016, and a look at industry financials from 2014 and into 2015, the investment environment and interest rates forecasts....
This PowerPoint report explores how the Sharing (On-Demand or ‘Gig’) Economy is transforming the way we work, live and do business, and by extension, the property/casualty (P/C) insurance industry too. The presentation opens with a look at cyber risk, and the true cost of breaches....
This PowerPoint report, presented at the Workers Compensation Research Institute’s annual conference, explores how the Sharing (On-Demand or ‘Gig’) Economy will transform the American workforce and by extension, the P/C insurance industry too. This trend will impact many segments of the economy important to P/C insurers such as auto, homeowners/renters, liability coverages, professional liability and workers compensation and will lead to new questions....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of January 2016 on detailed insurance industry employment, and the Insurance Information Institute (I.I.I.) website contains updated multi-decade trend data in chart form. (The insurance industry/sector-specific data are not seasonally adjusted and are one month behind the national data....
This PowerPoint report explores the trends, challenges, disruptors and opportunities in the global commercial property/casualty insurance industry for 2016 and beyond. The presentation begins with a financial update outlook for 2016, vis a vis a look at historical industry financials and a more detailed exploration of 2014 and into 2015. It also explores the impact of 2016 being an election year, the investment climate and what might be ahead for interest rates....
This PowerPoint report explores the trends, challenges, disruptors and opportunities in the global commercial property/casualty insurance industry for 2016 and beyond. It begins with an outlook for commercial lines in 2016, and a look at industry financials from 2014 and into 2015, the investment environment and interest rates forecasts. The state of the economy is explored in depth, and the state of construction and manufacturing are also presented....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of December 2015 on detailed insurance industry employment, and the I.I.I. website contains updated multi-decade trend data in chart form....
This PowerPoint report explores the trends, challenges and opportunities in personal lines insurance for 2016 and beyond. It begins with a discussion of industry financials from 2014 and into 2015, looks at the investment environment and interest rates forecasts and then looks at the top issues in insurance now: a rise in technology and a decrease in catastrophes, and addresses the attacks on pricing methodologies and underwriting criteria....
The U.S. Labor Department’s Bureau of Labor Statistics (BLS) just published data as of November 2015 on detailed insurance industry employment, and the Insurance Information Institute (I.I.I.) website contains updated multi-decade trend data in chart form. (The insurance industry/sector-specific data are not seasonally adjusted and are one month behind the national data....