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In the face of new technology and insurers offering coverage to customers direct, agencies face challenges, but the threat from this new reality is to the agents traditional business model, not necessarily to their existence.
For workers compensation insurers, profitability is the greatest near-term challenge, as accident-year combined ratios increase, and uncertainty in employment and medical-claim trends weighs on the sector, according to a recent report.
For workers compensation insurers, profitability is the greatest near-term challenge, as accident-year combined ratios increase, and uncertainty in employment and medical-claim trends weighs on the sector, according to a recent report.
Progressive Corp. says its November 2012 net income declined 38 percent relative to the same month a year ago to $77.7 million, despite net premiums written increasing by 5 percent.
A group of 19 U.S. property and casualty reinsurers saw its underwriting profit for the first nine months of the year improve from a loss of over $2 billion in 2011 to a gain of just under $1.4 billion in 2012.
More fidelity/crime insurance accounts are seeing rate increases as 2012 progresses, and overall, this segment of the market is described by insurance-broker Marsh as relatively stable in terms of both rate and available capacity.
Industry losses from Sandy would need to reach $50 billion in order to materially erode reinsurers capital base, according to an analysis by Standard & Poors.
S&P believes reinsurers can withstand losses well outside the range of current estimates, but says some market participants believe loss amounts could be 30-50 percent higher than estimated due to the hurricane-deductible debate in some states.
Agent and broker employment in September experienced an expected decline, but the size of the drop was unusual, according to Insurance Information Institute President Robert Hartwig.
Moodys Investors Service says Superstorm Sandy could, in a worst-case scenario, cause losses for the Combine Re catastrophe bond.
From Origami Risk
The MGA market is more competitive than ever. With new entrants leveraging digital tools and shifting market dynamics, staying ahead requires strategic adaptation. Discover how to refine your approach, embrace innovation, and outperform the competition in 2025.
Download ResourceFrom Voltaire
Discover how one mid-sized P&C carrier was able to quickly and accurately draft claims letters using AI to boost efficiency and savings while reducing compliance risk.
Download ResourceFrom Vortex Weather Insurance
When adverse weather hits, traditional insurance policies often leave clients vulnerable. Discover how parametric weather insurance offers an innovative, data-driven solution that complements traditional policies--ensuring your clients are protected no matter the risk. This white paper explains how to differentiate your services, fill coverage gaps, and tap into new markets that will help you expand your book of business.
Download ResourceFrom RPS | Risk Placement Services
The Executive Lines insurance market is evolving with new trends in competition, capacity, and underwriting becoming more prominent. To stay ahead in this dynamic market, you must understand these key trends and their implications. This analysis will equip you with the insights you need to secure optimal coverage for your clients in 2025 and beyond.
Download ResourceFrom Voltaire
Inefficient P&C claim letters hide significant costs. Discover how the application of AI for claims letters can transform this liability into a strategic asset, automating accurate letter generation for 200%+ ROI and operational efficiency.
Download ResourceFrom AgentSync
This guide explores the biggest pitfalls in Distribution Channel Management and practical steps you can take to reduce risk, streamline operations, and better support your agency relationships.
Download ResourceFrom AgentSync
Looking to cut appointment costs without risking compliance? Learn how Just-in-Time (JIT) appointments can help carriers save thousands while staying aligned with state regulations.
Download ResourceFrom Laserfiche
Insurers face mounting pressure from outdated systems, data silos, and rising customer expectations. Discover how a connected, digital-first approach can improve policyholder experiences, streamline operations, and help meet compliance mandates. This guide offers actionable strategies to modernize value-chain operations and drive business growth.
Download ResourceFrom Verisk
Recovering funds from at-fault parties in auto claims is crucial for insurers, yet subrogation challenges like incomplete data and manual processes slow the process. This guide reveals how claims professionals can streamline subrogation, reduce administrative costs, and maximize recoveries with a more efficient approach. Get the insights you need to speed up claims resolution and improve financial outcomes.
Download ResourceFrom Laserfiche
Rising customer expectations, more restrictive regulations, and increased competition are pushing insurers to modernize information management to boost productivity and efficiency. Discover how Intelligent Information Management (IIM) transforms insurance operations--addressing key challenges and delivering measurable ROI by streamlining processes, reducing costs, and enhancing customer experiences.
Download ResourceFrom Verisk
Digital media fraud is evolving fast--can your fraud detection strategies keep up? With AI-powered tools making it easier than ever to manipulate claims evidence, insurers must stay ahead of fraudsters. Download this guide to explore the latest digital media fraud tactics that are affecting the industry.
Download ResourceFrom Vortex Weather Insurance
Rain-related business disruptions can be costly for your clients. Parametric hourly rain insurance offers a proactive approach to mitigate financial losses from weather conditions. This data-driven solution delivers fast, automated payouts when rainfall thresholds are met, ensuring your clients are protected when they need it most.
Download ResourceFrom Vortex Weather Insurance
Hurricane-related financial risks can leave businesses vulnerable due to gaps found in traditional insurance policies. Parametric hurricane insurance provides a proactive solution for your clients to recover from hurricane-related financial losses quickly. Learn how this innovative coverage model offers transparent payouts based on measurable storm conditions--helping your clients bridge critical financial gaps when they need it most.
Download ResourceFrom Origami Risk
Avoid Costly Setbacks, Stay on Schedule, and Maximize ROI
Download ResourceFrom Origami Risk
The MGA market is more competitive than ever. With new entrants leveraging digital tools and shifting market dynamics, staying ahead requires strategic adaptation. Discover how to refine your approach, embrace innovation, and outperform the competition in 2025.
Download ResourceFrom Voltaire
Discover how one mid-sized P&C carrier was able to quickly and accurately draft claims letters using AI to boost efficiency and savings while reducing compliance risk.
Download ResourceFrom Vortex Weather Insurance
When adverse weather hits, traditional insurance policies often leave clients vulnerable. Discover how parametric weather insurance offers an innovative, data-driven solution that complements traditional policies--ensuring your clients are protected no matter the risk. This white paper explains how to differentiate your services, fill coverage gaps, and tap into new markets that will help you expand your book of business.
Download ResourceFrom RPS | Risk Placement Services
The Executive Lines insurance market is evolving with new trends in competition, capacity, and underwriting becoming more prominent. To stay ahead in this dynamic market, you must understand these key trends and their implications. This analysis will equip you with the insights you need to secure optimal coverage for your clients in 2025 and beyond.
Download ResourceFrom Voltaire
Inefficient P&C claim letters hide significant costs. Discover how the application of AI for claims letters can transform this liability into a strategic asset, automating accurate letter generation for 200%+ ROI and operational efficiency.
Download ResourceFrom AgentSync
This guide explores the biggest pitfalls in Distribution Channel Management and practical steps you can take to reduce risk, streamline operations, and better support your agency relationships.
Download ResourceFrom AgentSync
Looking to cut appointment costs without risking compliance? Learn how Just-in-Time (JIT) appointments can help carriers save thousands while staying aligned with state regulations.
Download ResourceFrom Laserfiche
Insurers face mounting pressure from outdated systems, data silos, and rising customer expectations. Discover how a connected, digital-first approach can improve policyholder experiences, streamline operations, and help meet compliance mandates. This guide offers actionable strategies to modernize value-chain operations and drive business growth.
Download ResourceFrom Verisk
Recovering funds from at-fault parties in auto claims is crucial for insurers, yet subrogation challenges like incomplete data and manual processes slow the process. This guide reveals how claims professionals can streamline subrogation, reduce administrative costs, and maximize recoveries with a more efficient approach. Get the insights you need to speed up claims resolution and improve financial outcomes.
Download ResourceFrom Laserfiche
Rising customer expectations, more restrictive regulations, and increased competition are pushing insurers to modernize information management to boost productivity and efficiency. Discover how Intelligent Information Management (IIM) transforms insurance operations--addressing key challenges and delivering measurable ROI by streamlining processes, reducing costs, and enhancing customer experiences.
Download ResourceFrom Verisk
Digital media fraud is evolving fast--can your fraud detection strategies keep up? With AI-powered tools making it easier than ever to manipulate claims evidence, insurers must stay ahead of fraudsters. Download this guide to explore the latest digital media fraud tactics that are affecting the industry.
Download ResourceFrom Vortex Weather Insurance
Rain-related business disruptions can be costly for your clients. Parametric hourly rain insurance offers a proactive approach to mitigate financial losses from weather conditions. This data-driven solution delivers fast, automated payouts when rainfall thresholds are met, ensuring your clients are protected when they need it most.
Download ResourceFrom Vortex Weather Insurance
Hurricane-related financial risks can leave businesses vulnerable due to gaps found in traditional insurance policies. Parametric hurricane insurance provides a proactive solution for your clients to recover from hurricane-related financial losses quickly. Learn how this innovative coverage model offers transparent payouts based on measurable storm conditions--helping your clients bridge critical financial gaps when they need it most.
Download ResourceFrom Origami Risk
Avoid Costly Setbacks, Stay on Schedule, and Maximize ROI
Download ResourceFrom Origami Risk
The MGA market is more competitive than ever. With new entrants leveraging digital tools and shifting market dynamics, staying ahead requires strategic adaptation. Discover how to refine your approach, embrace innovation, and outperform the competition in 2025.
Download Resource