This PowerPoint presentation explores the trends, challenges and opportunities in personal lines insurance for 2016 and beyond. Underwriting performance is presented, as well as the state of insured catastrophe losses, claim trends and economic and demographic considerations. The presentation begins with a discussion of industry financials from 2014 and into 2015, and then focuses on Hawaii. Thanks to a dearth of major catastrophes and pricing discipline, results have been fairly strong and stable in recent years. The report then explores profitability by line as well as growth in the state’s property/casualty markets. The state of the personal lines market is explored in depth, outlining how although results have been fairly strong and stable in recent years, profitability of auto and homeowners lines varies tremendously over time and across states. The report also takes a deep dive into combined ratio, and growth drivers in personal lines is presented with a M&A update. The report closes with some thoughts on the future, including the on-demand economy and the Internet of Things.
Please click on the file name below to view the presentations. Once open, you can choose "file" from your menu and then save the PowerPoint presentation to your disk. The presentation also is available in Adobe Acrobat format. The Adobe Acrobat file is smaller and faster to download. However, you do need the appropriate software to view.
You can download Adobe Acrobat Reader, free of charge, from the Adobe website (https://www.adobe.com/products/acrobat/readstep.html).
Note: Printer fonts may vary by browser and version of Adobe Reader.