A dozen property-casualty insurers are in the highest echelons of the industry when it comes to underwriting profitability, with the consistency of their combined ratios over a 12-year period making them candidates for National Underwriter's new "Profit Hall of Fame." In conjunction with NU's third-annual publication of p-c insurance "Profit Leaders"–a ranking of the 50 insurers with the lowest six-year average combined ratios–NU has sought out "Profit Champions" within the industry.

The "Champions" shown on page 13 are the 50 p-c insurers with the lowest average combined ratios over a period of 12 years, extending from 1995-2006.

While the "Profit Leaders" benefited from hard market conditions that existed during part of the latest six-year period from 2001 to 2006, the "Champions"–whose 12-year average combined ratios were the 50 lowest among 184 p-c insurance organizations analyzed by NU–managed to achieve these profitable results over a period spanning hard and soft market conditions.

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