Walking The Walk On Underwriting DisciplineNumbers show long-term underwriting profits best atsmaller-focused carriers

Underwriting disciplineits a phrase that's been repeatedhundreds of times in the last three years. But whichproperty-casualty companies really have it? And which have beenable to garner profits over the long termreporting recordunderwriting results even before industrywide hard marketconditions took hold?

In NU's first “Data Insights” issue of 2005, we presentsome statistics generated by National Underwriter Insurance DataServices to shed some light on these questions. Using combinedratios for 1998-2003 in an attempt to separate insurers that walkthe walk from those that simply talk the talk on underwritingdiscipline, we reveal few household names on the list of topperformers.

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