{"id":517444,"date":"2021-07-26T08:33:33","date_gmt":"2021-07-26T12:33:33","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/property-casualty-insurers-q1-net-income-grows-profitability-ratios-worsen\/"},"modified":"2021-07-26T08:33:33","modified_gmt":"2021-07-26T12:33:33","slug":"property-casualty-insurers-q1-net-income-grows-profitability-ratios-worsen","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/property-casualty-insurers-q1-net-income-grows-profitability-ratios-worsen\/","title":{"rendered":"Property & Casualty Insurers\u2019 Q1 Net Income Grows, Profitability Ratios Worsen"},"content":{"rendered":"

\nU.S. industry notches strong first quarter, but catastrophes hamper underwriting performance, according to Verisk and APCIA
\n<\/h2>\n
\n

JERSEY CITY, N.J., July 26, 2021 (GLOBE NEWSWIRE) — Private property\/casualty insurers in the United States saw their net income after taxes increase in the first quarter of 2021 from a year earlier, while their combined ratio \u2013 a key measure of underwriting profitability \u2013 worsened, according to a new report from Verisk (Nasdaq:VRSK), a leading global data analytics provider, and the American Property Casualty Insurance Association (APCIA).<\/p>\n

Insurers\u2019 net income after taxes increased to $20 billion in the first quarter of 2021, from $17.9 billion in the first quarter of 2020. Growth was fueled, in part, by an increase in realized capital gains and a modest rise in earned premiums from a year earlier.<\/p>\n

However, insurers’ overall and underwriting profitability deteriorated. Insurers\u2019 combined ratio\u2014a key measure of losses and other underwriting expenses per dollar of premium\u2014worsened to 96.1% for the first quarter 2021 from 94.9% in the first quarter of 2020. Insurers also saw a modest dip in their annualized rate of return on average policyholders’ surplus to 8.7% in first quarter of 2021, from 8.8% a year earlier.<\/p>\n

\n Extreme <\/strong>
\n E<\/strong>
\n vents <\/strong>
\n R<\/strong>
\n educe <\/strong>
\n U<\/strong>
\n nderwriting <\/strong>
\n G<\/strong>
\n ains<\/strong>
\n
The first quarter of 2021 was notable for the significant catastrophe losses and loss adjustment expenses (LLAE), especially from severe winter storms in Texas. Insurers experienced $16.3 billion in net catastrophe LLAE for the quarter, up sharply from $6 billion in the first quarter of last year.<\/p>\n

The industry\u2019s overall LLAE grew 5.3% to $111.1 billion, other underwriting expenses rose 1.3% to $45.7 billion, and policyholder dividends increased to $1.2 billion. With a modest 2.3% growth in earned premiums, insurers reported $3.3 billion in net underwriting gains for the quarter\u2014a 46.7% decrease from the $6.2 billion for first quarter of 2020. The jump in catastrophe LLAE was partially offset by a decline in other LLAE and by more favorable LLAE reserve development than in 2020, helping insurers avoid underwriting losses.<\/p>\n

\u201cWhile the insurance industry\u2019s net income grew significantly in the first quarter of 2021, underwriting results suffered, due in part to severe weather in Texas,\u201d said Neil Spector, president of ISO at Verisk. \u201cThose catastrophe losses are a stark reminder that even as we emerge from the pandemic, challenges may lie ahead. Precision underwriting, enhanced loss controls, and comprehensive risk management and resilience strategies remain critical for insurers. Robust data and advanced analytics can be force multipliers for insurers, helping them achieve a more accurate understanding of the risk environment to support their strategic decisions.\u201d<\/p>\n

\u201cThe insurance industry survived severe pandemic challenges in 2020 only to start 2021 with a record freeze in Texas, extreme tornadoes and floods, an unprecedented heatwave in the West fueling intense wildfires that are on track to exceed 2020\u2019s record, and expectations of above-average hurricane activity this year,\u201d said Robert Gordon, APCIA senior vice president, policy, research and international. \u201cReserve releases for prior years\u2019 business accounted for virtually all Q1 underwriting gains, while slowing premium growth was unable to keep pace with spiking losses and loss expenses. Industry statutory surplus gained significantly as investments improved in the year following the precipitous decline at the end of Q1 2020. But insurers now face significantly increasing inflationary costs, including medical care, auto repair, building materials and labor all exceeding the underlying consumer price index. Long-term pandemic liabilities are also still unclear, with continued growth in COVID variants globally and unknown medical costs for long-haul COVID victims.\u201d<\/p>\n

\n View the full report<\/a> from Verisk and APCIA.<\/p>\n

\n

\n About Verisk\u00a0<\/strong>
\n
Verisk (Nasdaq:VRSK) provides predictive analytics and decision-support solutions to customers in the insurance, energy and specialized markets, and financial services industries. More than 70 percent of the FORTUNE 100 relies on the company\u2019s advanced technologies to manage risks, make better decisions and improve operating efficiency. The company\u2019s analytic solutions address insurance underwriting and claims, fraud, regulatory compliance, natural resources, catastrophes, economic forecasting, geopolitical risks, as well as environmental, social, and governance (ESG) matters. Celebrating its 50th anniversary, the company continues to make the world better, safer and stronger, and fosters an inclusive and diverse culture<\/a> where all<\/em> team members feel they belong. With more than 100 offices in nearly 35 countries, Verisk consistently earns certification by Great Place to Work<\/a>. For more: Verisk.com<\/a>, LinkedIn<\/a>, Twitter<\/a>, Facebook<\/a>, and YouTube<\/a>.<\/p>\n

\n About APCIA<\/strong>
\n
Representing nearly 60 percent of the U.S. property casualty insurance industry, the American Property Casualty Insurance Association (APCIA) promotes and protects the viability of a competitive private insurance market for the benefit of consumers and insurers. APCIA represents the broadest cross section of home, auto, and business insurers of any national trade association. APCIA members represent all sizes, structures, and regions, which protect families, communities, and businesses in the U.S. and across the globe. For more information, visit www.apci.org<\/a>.<\/p>\n

\n Media Contact:<\/strong>
\n
Ali Krueger Herbert for Verisk
Ali.Krueger@verisk.com<\/a>
551-204-6592<\/p>\n

Jeffrey Brewer for APCIA
jeffrey.brewer@apci.org<\/a>
847-553-3763<\/p>\n

\n
\n
\n \n <\/div>\n

<\/div>\n","protected":false},"excerpt":{"rendered":"

U.S. industry notches strong first quarter, but catastrophes hamper underwriting performance, according to Verisk and APCIA JERSEY CITY, N.J., July 26, 2021 (GLOBE NEWSWIRE) — Private property\/casualty insurers in the United States saw their net income after taxes increase in the first quarter of 2021 from a year earlier, while their combined ratio \u2013 a key measure of underwriting profitability \u2013 worsened, according to a new report from Verisk (Nasdaq:VRSK), a leading global data analytics provider, and the American Property Casualty Insurance Association (APCIA). Insurers\u2019 net income after taxes increased to $20 billion in the first quarter of 2021, from $17.9 billion in the first quarter of 2020. Growth was fueled, in part, by an increase in realized capital gains … <\/p>\n

Continue reading “Property & Casualty Insurers\u2019 Q1 Net Income Grows, Profitability Ratios Worsen”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-517444","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"\nProperty & Casualty Insurers\u2019 Q1 Net Income Grows, Profitability Ratios Worsen - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/property-casualty-insurers-q1-net-income-grows-profitability-ratios-worsen\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Property & Casualty Insurers\u2019 Q1 Net Income Grows, Profitability Ratios Worsen - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"U.S. industry notches strong first quarter, but catastrophes hamper underwriting performance, according to Verisk and APCIA JERSEY CITY, N.J., July 26, 2021 (GLOBE NEWSWIRE) — Private property\/casualty insurers in the United States saw their net income after taxes increase in the first quarter of 2021 from a year earlier, while their combined ratio \u2013 a key measure of underwriting profitability \u2013 worsened, according to a new report from Verisk (Nasdaq:VRSK), a leading global data analytics provider, and the American Property Casualty Insurance Association (APCIA). 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