Personal Lines P/C Insurance Markets: Challenges and Opportunities for 2011 and Beyond

This PowerPoint report, presented by Robert Hartwig, president of the Insurance Information Institute, provides a comprehensive review of the U.S. property/casualty (P/C) insurance industry. A personal lines growth overview is offered, with a focus on auto and home lines nationwide and by state and on average premium and expenditures. Slides illustrate personal lines growth drivers, including exposure and pricing factors. A analysis of personal lines profitability and discussion of cyclical drivers such as loss and reserving in personal lines are offered. The report also looks at private passenger auto performance and distribution trends. A P/C financial overview and outlook also focuses on the role of cyclicality. The report concludes with a section focusing on how the financial crisis and recession and recovery have impacted P/C insurers and includes a comprehensive review of catastrophe loss activity in 2010.