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Articles by Henry Meiners
Loss Costs Lens: Inflation will continue to hurt insurers in 2026
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2026 US P&C industry outlook: A deep soft market might be closer than you think
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Consolidation in 2026: No one wants to be the last one on the dance floor
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Fronting Part 3: Will history repeat itself?
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9M commercial lines data: Taking one step forward and two steps back
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Best P&C industry results for nine months mask divergent trends
With Q3 year-to-date statutory data released last week, we analyzed several data items to gain insight into how industry loss ratios and reserve adjustments are... Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
October cat heatmap: Cat losses light as we approach year-end
Last week, Allstate and Progressive reported their estimated cat losses for the month of October. We noted in our last cat loss heatmap that severe weather events in September drove losses for Allstate and Progressive that were significantly below the... Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
October cat heatmap: Cat losses light as we approach year-end
Last week, Allstate and Progressive reported their estimated cat losses for the month of October. We noted in our last cat loss heatmap that severe weather events in September drove losses for Allstate and Progressive that were significantly below the... Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
9M reserve releases outpace 2024 despite worsening loss costs
Over the past year, concerns surrounding reserve adequacy within problematic casualty lines of business, such as general liability and commercial auto, remained a significant headwind... Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
CIAB Q3: Rates continue to moderate as the soft market approaches
Yesterday, CIAB’s Q3 2025 commercial lines pricing survey showed an average premium increase of about 1.6%, Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
CIAB Q3: Rates continue to moderate as the soft market approaches
Yesterday, CIAB’s Q3 2025 commercial lines pricing survey showed an average premium increase of about 1.6%, Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Commercial auto strikes back
Commercial auto has long been a problematic line for the P&C industry, as it faces loss cost headwinds from rampant social inflation. Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Brokers Q3: The long war for growth ensues
Insurance rate headwinds persisted in the third quarter, driven by decelerating rate increases in non-casualty commercial lines as the soft market approaches. Consequently, Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
October stock check-in: P&C gets left behind in Q3 earnings
The S&P 500 continued to climb in October, driven by yet another quarter of strong Big Tech earnings led by giants such as Amazon, Apple and Nvidia. Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
October stock check-in: P&C gets left behind in Q3 earnings
The S&P 500 continued to climb in October, driven by yet another quarter of strong Big Tech earnings led by giants such as Amazon, Apple and Nvidia. Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Everest’s re-pivot strategy cements its place in the penalty box
Earlier this week, Everest announced several actions to streamline the franchise for the future. Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Specialty in Q3: We have entered the transitional phase
In our preview and our early read pieces published earlier this month, we noted that although Q3 results would be strong due to light catastrophe activity, the focus would be on underlying trends and pricing. This Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
September cat heatmap: Light at the end of the hurricane season tunnel
Last week, Allstate and Progressive reported their estimated cat losses for the month of September, allowing us to compute their implied Q3 cat loss totals. Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
September cat heatmap: Light at the end of the hurricane season tunnel
Last week, Allstate and Progressive reported their estimated cat losses for the month of September, allowing us to compute their implied Q3 cat loss totals. Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Q3 early read: Soft market monster gets closer
Heading into Q3 earnings, our preview had noted that investors would likely discount the earnings beat and focus on the pricing, growth, and reserves for... Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Fronting Part II: Writing a lot of business doesn’t make it good business
In last month’s fronting note, we showed that reinsurers backing fronting companies would have to achieve a 65% loss ratio to hit a 5% underwriting... Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Q3 earnings preview: All quiet on the property-cat front
As we head into Q3 earnings, the absence of large hurricane losses is already reflected in the revised earnings estimates for the quarter. However, Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Our 10 takeaways from the industry’s Davos – Part II
1. The specialty/E&S ecosystem is the most exposed to normalization as it has been the epicenter of growth and investor euphoria Those involved in the E&S and specialty markets still struck a confident tone, but there was more emphasis on... Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Our 10 takeaways from the industry’s Davos - Part I
The industry’s rainmakers and their hangers-on (journalists included) have just made their way home from the P&C Davos. Here’s the first half of our 10 takeaways from the CIAB’s Insurance Leadership Forum (ILF) in Colorado. Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
How will reinsurers deploy excess capital after a quiet hurricane season?
With the month of September behind us, we have passed the peak month of the Atlantic hurricane season. Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
September stock check-in: Best and worst performers as we head to earnings
September, like every month this year, was a whirlwind month of market-moving headlines. Aside from a slew of new tariff announcements, a positive revision to Q2 GDP, and continually troubling statistics regarding labor markets, the Federal Reserve made their first... Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
September FOMC Meeting: What do lower interest rates mean for insurers?
Last week, the Federal Open Market Committee (FOMC) cut the all-important Federal Funds rate by a modest 25 basis points, to a target range... Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
August cat heatmap: Mother Nature’s last head-fake?
Last week, Allstate and Progressive reported their estimated cat losses for the month of August. We noted in our last cat loss heatmap that severe weather events in July drove losses that were broadly in line with monthly medians. However, Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Interest rates may go down, but inflation rates continue to go up
Today, the 12 members of the Federal Open Market Committee (FOMC) will gather for their highly anticipated September meeting, in which the all-important Federal Funds Rate is expected to be changed for the first time since December of last... Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Fronting loss ratios show massive underperformance
Yesterday marked the beginning of this year’s WSIA Annual Marketplace event, in which thousands of industry insiders from wholesale brokers, MGAs, and specialty insurers... Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
H1 commercial lines data shows industry grappling with social inflation
Over the past few weeks, we have been diving deep into the latest Q2 statutory data. Our analysis of overall results showed this past Q2’s underwriting results to be, surprisingly, among the best seen in the last ten years. However, marked improvements in personal lines of business such as homeowners are largely to thank, as they offset ongoing upticks in commercial lines of business as insurers continue to work out the post-pandemic loss cost and pricing trendline.
H1 commercial lines data shows industry grappling with social inflation
Over the past few weeks, we have been diving deep into the latest Q2 statutory data. Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
August stocks: P&C stocks show signs of modest recovery after mixed Q2
In our last stock note, we discussed how pressure driven by mixed Q2 earnings due to pricing and social inflation concerns weighed on P&C stocks. Soured investor sentiment towards the sector coincided with an otherwise improved macroeconomic outlook as geopolitical tensions, fiscal policy concerns and tariff fears all dissipated. This drove the S&P 500 to outperform the P&C index by nearly 8 points year-to-date (YTD) in July.
August stocks: P&C stocks show signs of modest recovery after mixed Q2
In our last stock note, we discussed how pressure driven by mixed Q2 earnings due to pricing and social inflation concerns weighed on P&C stocks. Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
H1 stat reserves: A strong headline isn’t everything
Last week, in our first note on the industry’s Q2 statutory data, we showed that the industry's results were the best in the last... Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Sompo-Aspen may trigger conversations, but deals could be further off
Earlier this week, Sompo announced its acquisition of Aspen for $3.5bn, or $37.50 per share. The deal values Aspen at 1.3x Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Q2 stat data shows trouble in key commercial lines
With the Q2 2025 statutory data out, we reviewed the combined ratios overall as well as trends in some important commercial lines. Overall, Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
July cat heatmap: Hope for the best, but prepare for the worst
Last week, Allstate and Progressive reported their estimated cat losses for the month of July. We noted in our last cat loss heatmap that severe weather events in June drove losses that were double to triple monthly medians. Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Doing whatever it takes to survive
Our prior writings about InsurTechs at the peak of the mania focused on the financial foundations and the long-term survivability of this group. One Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
CIAB Q2: The orderly slowdown continues as the market softens
Last week, CIAB’s Q2 2025 commercial lines pricing survey showed an average premium increase of 3.7%, down 0.5pts from Q1 2025 and down 1.5pts Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
July CPI/PPI: Inflation data continues to be negative for P&C loss costs
For perhaps the first time in its 141 years of existence, the Bureau of Labor Statistics has found itself near the center of the country’s political news cycle. Recent Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Research: Five charts that recap Q2 earnings
The Q2 2025 P&C earnings season ended on Wednesday, with the release of Fidelis Insurance’s Q2 earnings. While the economy as a whole was troubled by tariffs and tumbling markets for much of Q2, it was a relatively quiet quarter... Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Brokers Q2: The normalization of organic growth and the expectations reset
This past quarter was a bumpy ride for the brokerage segment. When we last discussed the publicly traded cohort at the end of Q1, we argued that the sector’s dwindling growth prospects, a P&C market cycle downturn, and a... Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
July stocks: P&C index loses steam as market conditions worsen in Q2
This past month has been dominated by insurers, brokers, and numerous other publicly traded companies reporting their Q2 2025 earnings. The Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Bermuda Q2: Diverging paths for the hybrid carriers
With the four biggest Bermudians reporting their Q2 results earlier this week, strategic differences are becoming apparent as we move to the next stage of the pricing cycle. In Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Selective reserve charges tied to growth and belated acceptance of loss trends
In our prior notes on regionals, we discussed the historical differences between regionals and non-regionals as well as their development to super-regionals as they grow in accounts, classes, and state footprints. As Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Broker strategics rewrite capital raise rulebook as consolidation ramps up
Our sister publication Insurance Insider reported last week that PIB had ended sales talks with AJ Gallagher, highlighting the challenges consolidator brokers face as they progress through their lifecycle. PIB’s Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
June cat heatmap: Taking shelter from the storm as cat losses run hot
Last week, Allstate and Progressive reported their estimated cat losses for the month of June. By extension, their implied Q2 2025 and H1 2025 cat loss figures are now available. Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
Travelers’ Q2 results show franchise strengths stand out as cycle turns
In our preview, we noted that this would likely be a stable quarter from an earnings perspective, with moderate catastrophe losses and addressable reserve development. Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
June CPI/PPI: What rising inflation could mean for the P&C industry
Last month, the consumer price index (CPI) rose 0.3% to a headline inflation rate of 2.7%. In a vacuum, this figure would not be particularly concerning. Log in to continue Please enter your email address below. Password log in Opening your single sign-on provider... Questions about your access?
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