Underwriting
P/C Statutory Results: The Highs and The Lows
A new report from S&P Global Market Intelligence is filled with information about record line-of-business loss ratios achieved in 2025—with some property/casualty lines coming in at record ...
State Farm’s California Homeowners Rate Request: It’s Settled — Almost
The long back-and-forth struggle between State Farm General Insurance Company, the California Department of Insurance and Consumer Watchdog is winding down, with the parties agreeing that an ...
What Berkshire’s CEO Abel Said About Insurance
Berkshire Hathaway's chief executive had the unusual task of reporting lower 2025 underwriting and investment income for GEICO and other insurance and reinsurance operations in his first report to ...
State Farm Inked $1.5B Underwriting Profit for 2025; HO Loss Persists
State Farm reported an underwriting gain of $1.5 billion for its property/casualty businesses in 2025, representing a turnaround from an underwriting loss of more than $6 billion in 2024—and more ...
Commercial P/C Market Softest Since 2017, Says CIAB
Commercial property/casualty premiums across all account sizes in the fourth quarter of 2025 were the softest they have been since 2017, according to The Council of Insurance Agents & Brokers ...
AI Needs Its Own Risk Class: Lockton Re
The rapid adoption of artificial intelligence by organizations across all industries is changing the commercial risk landscape; it's time to consider making AI its own risk classification, according ...
Machine Learning for Mutuals: What’s Working, What’s Not, and What’s Next
Recently, I spoke with a chief product officer at a large excess and surplus (E&S) company, and he shared his vision for streamlining intake in this way: "Straight-through processing a third, ...
Viewpoint: Underwriting at an Inflection Point – The AI Advantage
The U.S. commercial insurance market is demonstrating clear signs of rate fatigue and an overall softening. Since 2017, the industry has experienced increased loss pressures from climate events, ...