韦莱韬悦(WTW):2021年第四季度美国商业保险调查报告-定价和盈利能力分析(英文版)(11页).pdf

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1、Surveying commercial insurancePricing and profitability2021 Q4 update 2022 WTW. All rights Now more than ever, price monitoring is key2 2022 WTW. All rights reserved. Proprietary and Confidential. For WTW and WTW client use only. Not suitable for unintended purpose or use by unauthorized recipient.H

2、ow are prices affected by changes in investment income?What is really happening to underwriting results?How does pricing compare to industry?How are loss costs changing?Economic The rate of price increases continues to moderate for most lines in Q43 2022 WTW. All rights reserved. Proprietary and Con

3、fidential. For WTW and WTW client use only. Not suitable for unintended purpose or use by unauthorized recipient.Economic UncertaintySource: 2021 Q4 CLIPSYear-over-year price level change0%1%2%3%4%5%6%7%8%9%10%11%2019-22019-32019-42020-12020-22020-32020-42021-12021-22021-32021-Loss ratios improved i

4、n 2021 due to rate increases4 2022 WTW. All rights reserved. Proprietary and Confidential. For WTW and WTW client use only. Not suitable for unintended purpose or use by unauthorized recipient.Economic Uncertainty-5.0%-4.0%-3.0%-2.0%-1.0%0.0%1.0%2019-20202020-2021 YTDSource: 2021 Q4 CLIPSChange in e

5、arned loss In this context, reliable information on how your company compares to the marketplace is crucial5 2022 WTW. All rights reserved. Proprietary and Confidential. For WTW and WTW client use only. Not suitable for unintended purpose or use by unauthorized recipient.CLIPS is WTWs U.S. commercia

6、l lines pricing and profitability surveyInformation comes directly from carriersData-basedFreeConfidentialOnly participants receive the detailed survey CLIPS gives participants more and better historical information on pricing and profitability6 2022 WTW. All rights reserved. Proprietary and Confide

7、ntial. For WTW and WTW client use only. Not suitable for unintended purpose or use by unauthorized recipient.We collect information from participating companies each quarterEstimated price changes by quarter for the last two yearsYear-over-year percentage changesIncluding the effects of coverage cha

8、nges as well as ratesIncluding new business if availableEstimated increases in loss costs by year for the last two yearsWe deliver customized summary results back to the participantsApril 1April 29June 6June 30Survey Call DistributedSurveySubmission DeadlineSurvey Results DistributedSubmitted data a

9、re reviewed for reasonableness and consistency but not CLIPS information is collected and reported at line of business and account size level7 2022 WTW. All rights reserved. Proprietary and Confidential. For WTW and WTW client use only. Not suitable for unintended purpose or use by unauthorized reci

10、pient.Small Commercial*Middle Market CommercialLarge Account CommercialSpecialty Commercial LinesWorkers compensationAuto liabilityAuto physical damagePackage CMP/BOPCommercial propertyGeneral/products liabilityExcess/umbrella liabilityWorkers compensation First dollar LDD and excessAuto liabilityAu

11、to physical damagePackage CMP/BOPCommercial propertyCyberGeneral/products liabilityExcess/umbrella liabilityWorkers compensation First dollar LDD and excess Commercial auto First dollar LDD and excessCommercial propertyCyberGeneral/products liabilityExcess/umbrella liabilityProfessional liability Me

12、dical Lawyers Architects and engineers OtherDirectors and officers liabilityEmployment practices liabilitySurety bonds Contract Other*By Investment analysts use CLIPS to take the pulse of the industry8 2022 WTW. All rights reserved. Proprietary and Confidential. For WTW and WTW client use only. Not

13、suitable for unintended purpose or use by unauthorized recipient.“Willis Towers Watsons survey takes the commercial lines writers view (what they have done with pricing and how that impacts profitability). We think the Willis Towers Watson survey will be a better benchmark for investors (and managem

14、ent).” Insurance industry investment analyst, quoting CLIPS results shortly after Current participants and their shareholders benefit from insights from CLIPS9 2022 WTW. All rights reserved. Proprietary and Confidential. For WTW and WTW client use only. Not suitable for unintended purpose or use by

15、unauthorized recipient.“We continue to focus on balancing price and retention in this competitive market.Of the various commercial lines industry pricing surveys, we favor the Willis Towers Watson CLIPS survey because of its data collection methodology.”Participating company CFO, Quarterly Earnings

16、Conference CHow to find out more10 2022 WTW. All rights reserved. Proprietary and Confidential. For WTW and WTW client use only. Not suitable for unintended purpose or use by unauthorized recipient.Visit: Alejandra Nolibos FCAS, MAAASenior DirectorMiamiPhone: 786 552 1130E-mail: Yi Jing FCAS, MAAADirectorWeatoguePhone: 860 843 7159E-mail: 11 2022 WTW. All rights reserved. Proprietary and Confidential. For WTW and WTW client use only. Not suitable for unintended purpose or use by unauthorized recipient.

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