Commercial Lines

Claims experience informs both underwriting strategies and the perspectives of potential clients.

Claims experience informs both underwriting strategies and the perspectives of potential clients.

Barring any late-year catastrophic events, the U.S. P&C industry appears to be on track to post a third consecutive year of underwriting profits.

Frequently, claims managers, supervisors, adjusters or attorneys picked up a new claims file and question why a claimant acted in a certain manner. When working a claim, it is generally taken at face value. The facts are as they are in the file, unless some surprises turn up later.

Insurance policies abound with the use of the phrase arising out of. Some policies provide coverage for injuries and damage that arise out of a certain event; other policies exclude coverage for injuries and damages that arise out of a certain event.

Imagine you are the person accountable for subrogation within your organization. You believe you have a good subrogation program in place. The claims team is a mix of seasoned and new adjusters with varying degrees of subro awareness.