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U.S. Property/Casualty Insurance 2011 Outlook: Personal Lines Gets Stable Outlook, But Commercial Lines Still Negative Dec 10
Standard & Poors, Dec 2010
Abstract
U.S. property/casualty insurers weathered the recent global economic downturn relatively well. Indeed, all of the insurers Standard & Poor's Ratings Services rates have continued to function normally, regularly paying claims without disruption to their operations. This doesn't mean, however, that the industry doesn't have its share of challenges. Most property/casualty insurers continue to contend with issues such as lower interest rates and weak pricing. Although commercial lines and personal lines insurers have a number of common opportunities and concerns, there is a key differentiator between the two sectors: Whereas pricing for commercial lines has continued to decline, though at a slower pace in the last two years, rates in the personal lines sector have been improving since early 2008. Because...
Standard and Poors RatingsXpress Credit Research provides in-depth coverage of international corporates, financial institutions, insurance companies, utilities, sovereigns and structured finance programs. RatingsXpress Credit Research lets users determine the credit rating of holdings and identify key factors underlying an issuer's creditworthiness, distinguishes the different risk exposures for new and existing deals, and provides an understanding of how their analysts interpret key regulatory, political and environmental events and their economic impact.
Research Type: Commentary
Criteria articles describe the thought process and methodology Standard & Poor's analysts use in determining ratings. These commentary pieces discuss both the quantitative (economic and financial) and qualitative (business analysis and caliber of management) aspects of the analysis, as well as legal issues.
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