This presentation, made to the St. Louis CPCU chapter, gives a general overview of the property/casualty industry through second quarter 2016. Despite a catastrophe-driven decline in net income so far in 2016 and a year-to-date combined ratio near 100, the industry continues to be financially robust, with surplus at or near a record. It discusses the impact of lower interest rates and increasing claims on insurer results. It compares results in Missouri to those in nearby states and to national averages. It also discusses the reasons behind recent increases in claims in personal auto insurance.
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