National Underwriter Property & Casualty-2015 Market Guide

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  • Workers' Comp: (Not So) Great Expectations

    Michael P. Voelker

    Workers Compensation is one of the most important markers to follow for anyone looking to get a sense of where the larger commercial P&C world is heading. And this year, experts are seeing worsening pricing, increasing claims severity and an improving claims frequency, all against a backdrop of regulatory uncertainty...

  • 2014 Agent & Broker Survey: What do producers think?

    Shawn Moynihan

    Our biennial Producer Survey, done in partnership with Flasphler Research Group, is a revealing picture of independent agents opinions of U.S. commercial carriers. The survey of 526 independent producers included probing questions about insurer utilization, performance, perceptions of insurers and related topics.

  • GL Rates Moderate: What's Next?

    Dave Lenckus

    By and large, insurance buyers will find a more favorable rate environment these days when renewing their General Liability coverage. Even problematic risks likely will not face the double-digit rate hikes they have had to accept in recent years.

  • Program Business’ Growth Spurt

    Laura Mazzuca Toops

    With $30.1 billion in program business premium revenues in 2013a 9.8% increase over $27.4 billion in 2012the financial performance of this commercial insurance market segment continues to outpace the overall property-casualty marketplace, according to the Target Markets Program Administrators Association (TMPAA)'s annual State of Program Business Study, released Oct. 20...

  • Inland & Ocean Marine: By Land or by Sea

    Shawn Moynihan

    If you know what bumbershoot is, youre ahead of the curve. If not, a little background in the difference between Inland Marine and Ocean Marine coverage might be in order, before examining the state of both markets and whether producers might seek to do more business in them.

  • The Big Build

    Michael P. Voelker

    Things are looking up in the construction industry. Private nonresidential construction spending increased nearly 13% to $187.5 billion in the first seven months of 2014, according to Fitch Ratings, compared to just more than 1% last year. Through August, housing starts were up 8% from the prior year, according to...

  • Less ‘Peril’ous, in Rate Terms

    Dave Lenckus

    Rates are steady in the Commercial Multi-Peril market, and are falling in some cases. Coverage is broader, and several insurers have added Cyber insurance to packages that already include Property, General Liability and, depending on the insurer, Marine, Crime and Auto.

  • Cyber Liability: Safeguarding Digital Domains

    Michael P. Voelker

    It's impossible to ignore the ever-increasing number of cyber breaches in the U.S. In its September 2014 report on data breach preparedness, the Ponemon Institute found that 43% of respondents had experienced an attack, up 10 percentage points from the prior year.

  • P&C Potential: Outlook for 2015

    Shawn Moynihan

    While there are always a number of wild cards in play, it could be said that performance in the Property & Casualty insurance market in 2015 will depend greatly on two things: the impact of new capacity on rate pricing, and whether or not Mother Nature's relative streak of kindness...

  • Keep on Truckin’

    Dave Lenckus

    The Auto market is looking to enter 2015 on cruise control, which is not necessarily the best news. Pricing remains relatively flat, the chances of negotiating rate cuts are slim, claims severity is increasing on certain fronts, additional competition is entering the market, and the need to underwrite risks carefully...

  • Environmental Considerations

    Michael P. Voelker

    The message brokers should be conveying to commercial lines clients is that every business needs Environmental Liability. Here's why.

  • Top 10 Strategic Tech Trends for 2015

    Melissa Hillebrand

    The top tech trends for 2015 address three developments: the merging of the real and virtual worlds; the advent of intelligence everywhere; and the digital business shift, according to analysts at the Gartner Symposium/ITxpo, held in October in Orlando, Fla.

  • Product Liability: Under the Microscope

    Dave Lenckus

    Product Liability insurance market conditions are softening for the first time in several years for a significant segment of insurance buyers, insurers and brokers say. Some risks, however, continue to face relatively steep rate hikes and insufficient capacity.

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