Delivering sustained economic value across business cycles is an elusive goal. To understand the “secret sauce” behind high performance, Accenture assessed the performance of the 50 largest P&C carriers in the U.S. market, for both commercial and personal lines, during the 10-year period from 2004 to 2013. The firm then split these results into three distinct market periods: pre-crisis (2004-2007,) crisis (2008-2010,) and post-crisis (2011-2013).

This article focuses on commercial lines and seeks to identify high-performing insurers. For purposes of this study, high performance will be defined in two ways, reflecting distinct strategic approaches to the market.

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