Dallas-based electronic insurance exchange MarketScout said its data and surveys show good underwriting results are continuing to push down insurance prices, with an average rate decrease of 15 percent for the property-casualty sector.

"Unless there is a massive calamity in the next three months, 2007 may be insurers' best year in recent history," the firm said.

MarketScout found underwriting results are encouraging U.S. insurers to continue aggressive pricing, while noting that Lloyd's of London has reported pretax profits of $7.417 billion at a combined ratio of 83.

It said U.S. insurer results through the first two quarters of 2007 are producing combined ratios in the low-90 range.

Richard Kerr, MarketScout's founder and chief executive officer, noted that, "Despite the trickle-down effect of the mortgage meltdown, there is plenty of capital available to the U.S. insurance market."

He said many Lloyd's syndicates will be unable to put all of their capacity to work, and that "surplus lines brokers are working with their insurers to develop creative ideas for maintaining market share."

Mr. Kerr also advised that U.S. insurers are "clamoring to find more business. Many major admitted insurers have reduced the volume commitment required to secure an appointment. We know of two very large markets who will appoint a retail agent if they can 'promise' $50,000 in volume in the next 12-to-8 months."

MarketScout said the composite rate for all property-casualty coverages, showing a 15 percent decline, is down one percentage point from the average in August 2007.

The rates for September 2007, broken down by coverage class, industry class and account size were down on average as follows:

o Commercial property–17 percent.

o Business interruption–15 percent.

o Inland marine–14 percent.

o General liability–16 percent.

o Umbrella/excess–5 percent.

o Commercial auto–10 percent.

o Workers' compensation–11 percent.

o Professional liability-down 15 percent;

o Directors and officers liability–15 percent.

o Employment practices liability–16 percent.

o Fiduciary–10 percent.

o Crime–8 percent

o Surety–6 percent.

By account size, MarketScout found small accounts (up to $25,000 in premium) and medium accounts (from $25,001-to-$250,000) were both down 14 percent. Both large accounts (from $250,000-to-$1 million) and jumbo accounts (over $1 million) were down 16 percent.

By industry class, declines were registered by manufacturing (15 percent), contracting (14 percent), service (15 percent), habitational (14 percent), public entity (14 percent), transportation (13 percent) and energy (15 percent).

MarketScout said its barometer findings are also supported by surveys conducted by the National Alliance for Insurance Education and Research. The surveys were conducted during CIC and CRM institutes held across the United States in September 2007.

MarketScout underwrites and distributes insurance product lines to a 60,000-member agency network across the United States.

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