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Surveying
commercialinsurancePricingand
profitability2023
Q3Update©2023WTW.
Proprietary
andconfidential.
For
WTW
andWTW
client
useonly.Nowmore
than
ever,
pricemonitoring
iskeyHoware
pricesaffected
by
changesininvestment
income?What
is
reallyhappeningtounderwriting
results?Howdoespricingcompare
to
industry?Howare
losscostschanging?EconomicUncertainty©2023WTW.
Proprietary
andconfidential.
For
WTW
andWTW
client
useonly.Most
of
the
lines
continued
tohavemoderatetosignificant
rateincreases
inQ3Year-over-year
price
level
change9%8%7%6%5%4%3%2%1%0%2021-22021-32021-42022-12022-22022-32022-42023-12023-22023-3©2023WTW.
Proprietary
andconfidential.
For
WTW
andWTW
client
useonly.Lossratiosdecreasedin2023Changein
earnedlossratios1.0%0.0%-1.0%-2.0%-3.0%-4.0%-5.0%2021-20222022-2023YTDSource:2023
Q2
CLIPS.©2023WTW.
Proprietary
andconfidential.
For
WTW
andWTW
client
useonly.Inthis
context,
reliableinformationonhowyourcompany
compares
to
themarketplaceiscrucial•
CLIPSis
WTW’sU.S.
commerciallinespricing
and
profitabilitysurvey•
Information
comesdirectlyfrom
carriers•
Data-based•
Free•
Confidential•
Onlyparticipantsreceivethe
detailedsurveyresults©2023WTW.
Proprietary
andconfidential.
For
WTW
andWTW
client
useonly.CLIPS
gives
participants
moreandbetter
historicalinformationonpricing
andprofitability•
We
collect
informationfrom
participating
companieseachquarter–
Estimated
price
changes
by
quarter
for
the
last
two
years•
Year-over-year
percentagechanges•
Including
theeffects
of
coveragechanges
as
wellasrates•
Including
new
business
ifavailable–
Estimated
increases
inloss
costs
by
yearfor
the
last
two
years•
We
deliver
customizedsummary
resultsbacktothe
participantsJanuary
2January
30March
6April
1SurveycalldistributedSurveysubmissiondeadlineSurveyresultsdistributedSubmitted
data
are
reviewed
forreasonableness
andconsistency
but
notaudited©2023WTW.
Proprietary
andconfidential.
For
WTW
andWTW
client
useonly.CLIPS
informationiscollected
and
reportedatline
ofbusiness
andaccountsizelevelSmallcommercial*Middle
marketcommercialLarge
accountcommercialSpecialtycommercial
linesWorkers’
compensation
Workers’
compensation
Workers’
compensation
Professional
liabilityAuto
liability•
First
dollar•
First
dollar•
Medical•
LawyersAuto
physical
damagePackage
CMP/BOPCommercial
property•
LDDand
excessAuto
liability•
LDDand
excessCommercial
auto•
First
dollar•
Architects
andengineersAuto
physical
damagePackage
CMP/BOPCommercial
propertyCyber•
OtherGeneral/productsliability•
LDDand
excessCommercial
propertyCyberDirectors
andofficers'
liabilityExcess/umbrella
liabilityEmploymentpractices
liabilityGeneral/productsliabilityGeneral/productsliabilitySurety
bonds•
Contract•
OtherExcess/umbrellaliabilityExcess/umbrellaliability©2023WTW.
Proprietary
andconfidential.
For
WTW
andWTW
client
useonly.Investmentanalystsuse
CLIPS
to
takethepulse
oftheindustry“…WTW’ssurvey
takesthecommerciallines
writers’
view(what
theyhavedone
withpricingandhow
that
impactsprofitability).We
thinkthe
WTW
surveywillbeabetter
benchmark
forinvestors(andmanagement).”—Insurance
industry
investment
analyst,quoting
CLIPSresults
shortly
after
launch©2023WTW.
Proprietary
andconfidential.
For
WTW
andWTW
client
useonly.Currentparticipants
—andtheir
shareholders—
benefit
from
insightsfromCLIPS“…We
continueto
focusonbalancing
priceand
retentioninthiscompetitive
market...Of
thevariouscommerciallinesindustrypricing
surveys,
we
favor
theWTW
CLIPSsurveybecauseof
itsdata
collection
methodology...”—Participating
company
CFO,
QuarterlyEarnings
ConferenceCall©2023WTW.
Proprietary
andconfidential.
For
WTW
andWTW
client
useonly.Howtofind
outmoreAlejandra
Nolibos
FCAS,
MAAAManagingDirectorYi
JingFCAS,
MAAADirectorMiamiHartfordPhone:
7865521130E-mail:
alejandra.noli
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