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INDUSTRIES
&
MARKETSReinsuranceCHAPTER
01GlobaloverviewLargestreinsurersworldwidefrom2020to2022,bynetpremiumswritten(inbillionU.S.dollars)Largestreinsurersworldwide2020-2022,bynetpremiumswrittenNetpremiumsinbillionU.S.dollars2022152021202020051025303540455055MunichReinsuranceCo(Germany)SwissReinsuranceCo(Switzerland)HannoverRückSE(Germany)CanadaLifeRe(Canada)BerkshireHathawayInc(U.S.)SCORSE(France)ChinaReinsurance(Group)Corp(China)Lloyd's(UK)ReinsuranceGroupofAmerica,Inc(U.S.)EverestReGroupLtd.(Bermuda)3Description:GermanreinsurerMunichRewasthelargestreinsurancecompanyworldwidein2022.In2022,thenetpremiumswrittenbyMunichReamountedtoapproximately48.6billionU.S.dollars.SwissRewasthesecond-largestreinsurerwith37billionU.S.dollarsinnetpremiums.ꢀWhoareMunichRe?MunichReGroupwasfoundedin1880andisheadquartered,unsurprisingly,inMunich,Germany.ThegrossreinsurancepremiumswrittenbyMunichRehavebeentrendingupwardssince2008.[...]
ReadmoreNote(s):Worldwide;2020to2022Source(s):A.M.Best;ReinsuranceNewsLargestreinsurersworldwidein2024,bygrossreinsurancepremiumswritten(inbillionU.S.dollars)Largestreinsurersworldwide2024bygrosspremiumswrittenNetpremiumswritteninbillionU.S.dollars0102030405060MunichReSwissRe51.3339.75HannoverRe35.53CanadaLifeReBerkshireHathawaySCOR23.4122.1521.07Lloyd's18.53ChinaRe16.86ReinsuranceGroupofAmericaEverestRe13.829.324Description:Asof2024,thethirdleadingreinsurergloballybygrossreinsurancepremiumswrittenwasHannoverRe,with35.53billionU.S.dollars.SwissRerankedsecondwithalmost40billionU.S.dollars.MunichReheldthetopspot,withwrittengrosspremiumsexceeding50billionU.S.dollars.Reinsuranceinvolvesinsurerstransferringpartsofriskportfoliostootherpartiesinordertospreadtheriskofhavingtopayoutalargesumintheeventofaninsuranceclaim.Thisencouragesinsurance[...]
ReadmoreNote(s):Worldwide;2024Source(s):BeinsureValueofglobalreinsurancecapitalfrom2013to2022(inbillionU.S.dollars)Valueofglobalreinsurancecapital2013-2022800700675650625605595585575575600500400300200100056554020132014201520162017201820192020202120225Description:In2022,globalreinsurancecapitalfellbelow600billionU.S.dollars.Globalreinsurancecapitalclimbedinthefouryearspriorandreachedapeakof675billionU.S.dollarsin2021,beforetumblingto575billionU.S.dollarsinthefollowingyear.
ReadmoreNote(s):Worldwide;2013to2022Source(s):Aon;InsuranceEurope;Varioussources(Companyfinancialstatements)Valueofglobalreinsurancecapitalfrom2013to2022,bytype(inbillionU.S.dollars)Valueofglobalreinsurancecapital2013-2022,bytypeTraditionalcapitalThird-partycapital80070096600949589816497729350500400300200100057955653051151451649049348848220132014201520162017201820192020202120226Description:In2022,globaltraditionalreinsurancecapitalfellbelow500billionU.S.dollars,whereasalternativereinsurancecapitalremainedsteadyat93billionU.S.dollars.Alternativecapitalreferstocapitalfromnon-traditionalsources,suchascatastrophebonds,pensionfunds,endowments,familyoffices,hedgefundsandotherprivateinvestors,ratherthanequitycapital.ReadmoreNote(s):Worldwide;2013to2022Source(s):Aon;InsuranceEurope;Varioussources(Companyfinancialstatements)CHAPTER
02GlobalinsuredlossesMostcostlycatastrophestotheinsuranceindustryworldwidefrom1900to2023(inbillionU.S.dollars)Mostcostlydisasterstotheinsuranceindustryworldwide1900-2023LossinbillionU.S.dollars20
400HurricaneKatrina-UnitedStates(Aug2005)6080100120102HurricaneIan-UnitedStates,Cuba(Sep2022)Tohokuearthquake/tsunami-Japan(Mar2011)HurricaneIrma-UnitedStates,Caribbean(Sep2017)HurricanIda-UnitedStates,Caribbean(Aug-Sep2021)HurricaneSandy-UnitedStates(Oct2012)5648424140383735HurricaneHarvey-UnitedStates(Aug2017)HurricaneMaria-PuertoRico,Caribbean(Sep2017)HurricaneAndrew-UnitedStates,Bahamas(Aug1992)Northridgeearthquake-UnitedStates(Jan1994)328Description:Asof2023,HurricaneKatrina-whichstrucktheUnitedStatesinAugust2005-remainedthemostexpensiveinsuredlosseventsince1900,asitincurredinsuredlossesamountingtoover100billionU.S.dollars.ꢀInsuringagainstnaturaldisastersInsuringisthepracticeoftransferringriskfromoneentitytoanotherinexchangeforpayment.Itisimportant,especiallyifonelives,ownspropertyorabusinessinanareapronetonaturaldisasters,totakeoutcoverageforarangeofstorms,[...]
ReadmoreNote(s):Worldwide;1900to2023;Lossesshownin2023U.S.dollarsSource(s):AonValueofinsuredlossesfromnaturaldisastereventsworldwidein2022and2023,bynaturaldisastertype(inbillionU.S.dollars)Valueofinsuredlossesfromnaturaldisastersworldwide2022-2023,bytypeLossinbillionU.S.dollars20233020220102040385060707080SevereconvectivestormFlooding131210Drought127Earthquake366TropicalcycloneWildfire5655144EuropeanwindstormWinterweather9Description:Severeconvectivestorms,orthunderstorms,werethenaturaldisasterwiththehighestvalueofinsuredlossesworldwidein2023,followedbyfloodinganddrought.Thevalueofglobalinsuredlossestotaled118billionU.S.dollars,withsevereconvectivestormaccountingfor70billionU.S.dollars.Itneedstobenotedthoughthatꢀthetotaleconomiclossesfromnaturaldisastersweremuchhigherandonlyafractionofthemwereinsured.ReadmoreNote(s):Worldwide;2022and2023Source(s):AonValueofinsuredcatastrophelossesworldwidefrom2019to2023,bycatastrophetype(inbillionU.S.dollars)Insuredcatastrophelossesworldwide2019-2023,bycatastrophetypeFloodingEuropeanwindstormSevereweatherEarthquakeTropicalcycloneDroughtWildfireOtherWinterweatherSevereconvectivestorm80706050403020100-102019202020212022202310Description:In2023,thelargestportionofinsuredlossescamefromsevereconvectivestorms.From2019throughto2022,thelargestportionofinsuredcatastrophelossesworldwidewereasaresultofsevereweather.Severeweathercausedroughly40billionU.S.dollarsininsuredlosseseachyearfrom2020to2022.Overall,2022hadthehighesttotalcostoflossesincurred,totaling133billionU.S.dollars.ReadmoreNote(s):Worldwide;2019to2023Source(s):InsuranceInformationInstituteMostexpensivenaturaldisasterstotheinsuranceindustryworldwidein2023(inbillionU.S.dollars)Mostcostlynaturaldisasterstotheinsuranceindustryworldwide2023InsuredlossesinbillionU.S.dollars01234567U.S.Drought-UnitedStates(Jan-Dec)TurkeyandSyriaEarthquakes-TurkeyandSyria(Feb)SevereConvectiveStorm-UnitedStates(Mar)SevereConvectiveStorm-UnitedStates(Mar-Apr)SevereConvectiveStorm-UnitedStates(Jun)HawaiiWildfires-UnitedStates(Aug)6.55.754.44.33.5SevereConvectiveStorm-UnitedStates(Jun)SevereConvectiveStorm-UnitedStates(Jun)SevereConvectiveStorm-Europe(Jul)3.133SevereConvectiveStorm-UnitedStates(May)2.911Description:Themostexpensivenaturaldisastergloballyintermsofinsuredlossesin2023wastheU.S.drought.ThisdroughthittheUnitedStatesfromJanuary1toDecember31andresultedininsuredlossesof6.5billionU.S.dollars.
ReadmoreNote(s):Worldwide;2023Source(s):AonReinsurancelossesofMunichRefromnaturaldisastersfrom2008to2023(inmillioneuros)ReinsurancelossesofMunichRefromnaturaldisasters2008-2023NaturalcatastrophelossesMajorlosses(net)6,0005,0004,0003,0002,0001,0000200820092010201120122013201420152016201720182019202020212022202312Description:MajorreinsurancelossesandthoseduetonaturalcatastrophelossesoftheMunichReGroupfluctuatedsignificantlybetween2008and2023.MunichRe,oneoftheworld'sleadingreinsurers,isaGermancompanybasedinMunich.In2023,thereinsurancelossesofMunichReduetonaturaldisastersamountedtoaround2.3billioneuros-slightlyhigherthanthevalueobtainedthepreviousyear.Atthesametime,thenetmajorreinsurancelossesofMunichReamountedto[...]
ReadmoreNote(s):Worldwide;2008to2023Source(s):MunichReEstimatedoveralllossesduetonaturaldisastersintheUnitedStatesfrom2009to2023,bytype(inbillionU.S.dollars)EconomiclossesduetonaturaldisastersintheU.S.2009-2023TropicalcycloneSevereconvectivestormWildfire,drought,andheatwaveFloodingWinterstormEarthquake18016014012010080604020020092010201120122013201420152016201720182019202020212022202313Description:In2023,severeconvectivestormscausedthemostexpensivedamageintheUnitedStates.Severeconvectivestorms,forinstance,causedoveralllossesof72billionU.S.dollars.Meanwhile,wildfire,drought,andheatwaves,resultedineconomiclossesof20billionU.S.dollars.TropicalcyclonedamageamountedtounderfivebillionU.S.dollarsin2023,asignificantdropdownfromaprevioushighin2022.ReadmoreNote(s):UnitedStates;2009to2023Source(s):Aon;InsuranceInformationInstituteMostexpensivehurricanesintheUnitedStatesasofJanuary2024,byinsuredpropertylosses(inbillionU.S.dollars)MostexpensivehurricanesintheU.S.asof2024,bypropertylossesLossesinbillionU.S.dollars020406080100120HurricaneKatrina(2005)HurricaneIan(2022)101.8755.77HurricaneIda(2021)40.539.9237.61HurricaneSandy(2012)HurricaneHarvey(2017)HurricaneIrma(2017)HurricaneMaria(2017)HurricaneAndrew(1992)HurricaneIke(2008)37.4736.834.9525.6HurricaneWilma(2005)16.5314Description:AsofJanuary2024,HurricaneKatrina,whichoccurredbetween25and30August2005,wasstillthemostexpensivehurricanetoeverhittheUnitedStates.Itcausedinsuredpropertylossesamountingtoalmost102billionU.S.dollars.
ReadmoreNote(s):UnitedStates;asofJanuary2024;in2023U.S.dollars**Source(s):InsuranceInformationInstitute;VeriskValueofdirectpremiumswrittenforpropertyandcasualtyinsuranceinCanadain2020and2022,byline(inbillionCanadiandollars)ValueofdirectP&CinsurancepremiumswritteninCanada2020-2022,bylineTotalautoPersonalpropertyCommercialpropertyLiabilitySpecializedAccidentandsickness908070605040302010020202021202215Description:In2022,thevalueoftotaldirectpremiumswrittenintheCanadianautoinsurancesectoramountedtoapproximately31.4billionCanadiandollars.ThiswasbyfarthelargestofanyinsurancelineintheCanadianpropertyandcasualtyinsurancesector,beingnearlytwicethesizeofthenext-largestinsuranceline,personalpropertyinsurance.ReadmoreNote(s):Canada;2020to2022Source(s):InsuranceBureauofCanada;Varioussources(MSA,SCOR,AMF)CHAPTER
03KeyplayersTotalequityofSwissRefrom2002to2023(inbillionU.S.dollars)TotalequityofSwissRe2002-20234036.0435.7234.2934.0333.61353025201510532.9831.2931.0428.7328.1527.2626.9125.325.3423.6819.2218.5116.8716.3714.9712.8112.0702002
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202317Description:ThetotalequityofleadingreinsurancecompanySwissRepeakedin2014andhassincefallenyear-on-year.In2022,thetotalequityofSwissReamountedto12.8billionU.S.dollars,downfrom36billionU.S.dollarsin2014.
ReadmoreNote(s):Worldwide;2002to2023Source(s):SwissReValueofclaimsandclaimadjustmentexpensesofSwissRefrom2002to2023(inmillionU.S.dollars)ValueofclaimsandclaimadjustmentexpensesofSwissRe2002-202325,00020,00019,83819,27118,68318,64617,18116,73014,85515,00012,56411,86611,04011,10910,57710,0359,8489,6559,4059,2749,22210,0005,00008,8108,3367,7637,2542002
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202318Description:ThevalueofclaimsandclaimadjustmentexpensesofleadingreinsurancecompanySwissRepeakedin2020beforefallingin2021.In2023,thecostofclaimsatSwissReamountedto18.6billionU.S.dollars.
ReadmoreNote(s):Worldwide;2002to2023Source(s):SwissReReturnonequity(ROE)ofMunichRefrom2005to2023ReturnonequityofMunichRe2005-202325%20.2%20%15.7%15.3%15%10%5%14.1%12.5%12.5%
12.5%12.6%11.8%11.7%11.3%10.4%10%8.4%20188.1%20167%5.3%20203.3%20111.3%20170%2005200620072008200920102012201320142015201920212022202319Description:Thereturnonequity(ROE)oftheMunichReGroupfluctuatedconsiderablybetween2005and2023.MunichRe,oneoftheworld'sleadingreinsurers,isaGermancompanybasedinMunich.Asof2023,thereturnonequityofMunichRereached15.7percent,adecreasefromthepreviousyear.MunichRe'sROEpeakedin2022,whenitstoodat20.2percent.ReadmoreNote(s):Worldwide;2005to2023Source(s):MunichReNetincomeofMunichRefrom2005to2023(inmillioneuros)NetincomeofMunichRe2005-20236,0005,3095,0004,5973,9234,0003,0002,0001,00003,5193,3333,2043,1703,1222,9322,7512,7072,5642,5812,4302,2751,5791,2117123922005
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202320Description:ThenetincomeoftheMunichReGroupfluctuatedsignificantlybetween2005and2023.MunichRe,oneoftheworld'sleadingreinsurers,isaGermancompanybasedinMunich.Asof2023,thenetincomeofMunichReamountedtoavalueofapproximately4.6billioneuros.MunichRe'snetincomepeakedin2022,whenitreachedalmost5.31billioneuros.ReadmoreNote(s):Worldwide;2005to2023Source(s):MunichReReturnonequityofHannoverRefrom2006to2023ReturnonequityofHannoverRe2006-202325%20%15%10%5%23.1%22.4%19%18.7%18.2%15.4%15%14.7%
14.7%13.7%13.3%12.8%12.2%10.9%10.8%8.2%8.2%0%-5%-10%-4.1%2008200620072009201020112012201320142015201620172018201920202021
2022*
202321Description:Thereturnonequity(ROE)ofHannoverReincreasedoverallfrom2007to2023,albeitwithsomefluctuation.AreinsurancecompanyheadquarteredinHannover,Germany,HannoverReisoneoftheworld'sleadingreinsurancegroups.In2023,thereturnonequityofHannoverReamountedto19percent-asignificantincreasefromthepreviousyear.HannoverRe'sROEpeakednearthebeginningofthetimeperiodunderobservation,atjustover23percent.
ReadmoreNote(s):Worldwide;2010to2023;*RestatedpursuanttoIAS8
Datapriorto2022obtainedfrompreviouspublications.ReadmoreSource(s):HannoverReNetincomeofHannoverRefrom2002to2023(inmillioneuros)NetincomeofHannoverRe2002-20231,824.81,284.21,231.31,171.21,150.71,059.5985.6958.6895.5883.1849.6780.8748.9733.7721.7606514.4354.8267.2279.949.6-1272002
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202322Description:ThenetincomeofHannoverReincreasedoverallfrom2002to2023,albeitwithsomefluctuation.AreinsurancecompanyheadquarteredinHannover,Germany,HannoverReisoneoftheworld'sleadingreinsurancegroups.In2023,thenetincomeofHannoverReamountedtoavalueofapproximately1.8billioneuros-anincreaseofoverabillioneurosfromthepreviousyear.
ReadmoreNote(s):Worldwide;2002to2023;*RestatedpursuanttoIAS8
Datapriorto2022obtainedfrompreviouspublications.ReadmoreSource(s):HannoverReRevenuesofBerkshireHathawayin2023,byoperatingbusiness(inbillionU.S.dollars)RevenuesofBerkshireHathaway2023,byoperatingbusinessRevenueinbillionU.S.dollars0102030405060708075.41ManufacturingMcLaneCompany52.61Serviceandretailing4039.26GEICOBerkshireHathawayReinsuranceGroupBerkshireHathawayEnergyBNSF27.0126.0123.88BerkshireHathawayPrimaryGroupInvestmentincome17.1311.6223Description:In2023,BerkshireHathaway’smostprofitableoperatingbusinesswasmanufacturing.Manufacturingbusinessgeneratedover75.4billionU.S.dollarsinrevenues.BerkshireHathawayPrimaryGroupandBerkshireHathawayReinsuranceGroupgeneratedaround17.1billionand27billionU.S.dollars,respectively.Inthesameyear,GEICO,anautoinsurancesubsidiaryofBerkshireHathaway,generatedarevenueofapproximately39.3billionU.S.dollars.ꢀBerkshireHathawayBerkshire[...]
ReadmoreNote(s):UnitedStates;2023Source(s):BerkshireHathawayCHAPTER
04U.S.keyfiguresSizeofreinsurancecarriermarketintheUnitedStatesfrom2011to2023(inbillionU.S.dollars)SizeofreinsurancemarketintheU.S.2011-2023140120100118.4109.81104.4899.695.5792.8590.6886.4386.1883.6577.4582.7880604020071.08201120122013201420152016201720182019202020212022202325Description:ThemarketsizeofreinsurancecarriersintheUnitedStatesisexpectedtoexceed118.4billionU.S.dollarsin2023,upfrom96billionU.S.dollarsrecordedin2020.Reinsurancecarrierspurchaseinsurancepoliciesfromotherinsurerstolimittheirlossincaseofadisaster,suchasanearthquakeortsunami.ꢀInsuredlossescausedbynaturaldisastershavegenerallyincreasedworldwideoverthepast20years.
ReadmoreNote(s):UnitedStates;2011to2023Source(s):IBISWorldLeadingpropertyandcasualtyreinsurersofbusinessesintheUnitedStatesin2021and2022,bydirectpremiumswritten(inbillionU.S.dollars)U.S.propertyandcasualtyB2Breinsurers2021-2022,bydirectpremiumswrittenValueinbillionU.S.dollars20222021051015202530354033.58NationalIndemnityCo.EverestReinsuranceCo.30.5810.049.559.14SwissReinsuranceAmericaCorp.OdysseyGroup8.697.277.25.345.45MunichReAmerica,Corp.TransatlanticReinsuranceCo.GeneralReinsuranceCorp.AlliedWorldInsuranceCo.PartnerReCo.oftheU.S.SCORReinsuranceCompanyGroupXLReinsuranceAmericaInc.7.915.444.064.13.022.882.772.732.778.5826Description:In2022,theleadingpropertyandcasualtyreinsurersofbusinessesbydirectpremiumswrittenintheUnitedStateswasNationalIndemnity.Inthatyear,NationalIndemnitywrotedirectP&Creinsurancepremiumsforbusinessesworthover33billionU.S.dollars.ReadmoreNote(s):UnitedStates;2021and2022Source(s):InsuranceInformationInstitute;RAAPolicyholdersurplusofleadingreinsurersintheUnitedStatesfrom4thquarter2020to3rdquarter2023(inbillionU.S.dollars)PolicyholdersurplusofleadingreinsurersintheU.S.Q42020-Q32023PolicyholdersurplusinbillionU.S.dollars*2023202210020212020050150200250300NationalIndemnityCompanyGeneralReGroupEverestReinsuranceCompanyMunichReAmerica,Corp.OdysseyGroupTransatlanticReinsuranceEnduranceAssuranceCorporationSwissReinsuranceAmericaCorporationPartnerReinsuranceCompanyoftheU.S.27Description:Inthethirdquarterof2023,theleadingreinsurerintheUnitedStatesbasedonthevalueofpolicyholdersurpluswasNationalIndemnityCompany.ThevalueofpolicyholdersurplusinNationalIndemnityCompanyamountedtoapproximately200billionU.S.dollarsin2023.Thepolicyholdersurplusisoneoftheindicatorsofthefinancialhealthofthecompany.Itiscalculatedbydeductingtheliabilitiesfromtheassetsofaninsurancecompanyownerbypolicyholders.ReadmoreNote(s):UnitedStates;Q42020,Q42021,Q42022andQ32023Source(s):RAANumberofemployeesintheU.S.reinsuranceindustryfrom2007to2023(in1,000s)U.S.reinsuranceindustry-numberofemployees2007-2023353030.930.228.628.628.127.927.527.62726.826.626.225.625.725.325.125.1252015105020072008200920102011201220132014201520162017201820192020202120222023*28Description:ThenumberofemployeesintheU.S.reinsuranceindustryremainedsteadyoverthepastdecade.In2023,therewereabout30,900peopleemployedbythereinsuranceindustry.
ReadmoreNote(s):UnitedStates;2007to2023Source(s):BureauofLaborStatistics;InsuranceInformationInstitute;USDepartmentofLaborCHAPTER
05U.S.premiumsNetpremiumsearnedbyleadingreinsurersintheUnitedStatesfrom4thquarter2020to3rdquarter2023(inbillionU.S.dollars)NetpremiumsearnedbyleadingreinsurersintheU.S.Q42020-Q32023NetpremiumsearnedinbillionU.S.dollars2023*10202215202120202005253035404538.96NationalIndemnityCompanyEverestReinsuranceCompanyMunichReAmerica,Corp.33.0929.2826.416.388.067.26.436.674.2156.494.01OdysseyGroup4.433.93.333.85EnduranceAssuranceCorporationSwissReinsuranceAmericaCorporationGeneralReGroup6.821.741.262.113.613.362.924.263.843.632.051.692.562.192.13PartnerReinsuranceCompanyoftheU.S.SCORU.S.Corporation1.171.612.242.110.8330Description:Inthethirdquarterof2023,theleadingreinsurerintheUnitedStatesbasedonthevalueofnetpremiumsearnedwasNationalIndemnityCompany.ThenetpremiumsearnedbyNationalIndemnityCompanyamountedtoapproximately39billionU.S.dollarsin2023.Anearnedpremiumistheportionofaninsurancewrittenpremiumwhichisconsidered'earned'bytheinsurer,basedonthepolicyperiodduringwhichtheinsurancehasbeenineffect,andtheinsurerhasbeenexposedtoloss.
ReadmoreNote(s):UnitedStates;Q42020,Q42021,Q42022andQ32023Source(s):RAAValueofgrosspremiumswrittenbyleadingreinsurersintheUnitedStatesfro
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