WTW-2024年二季度调查商业保险定价和盈利能力（英）.docx

Surveyingcommercial

insurance

Pricingandprofitability

2024Q2Update

?2024WTW.Proprietaryandconfidential.ForWTWandWTWclientuseonly.

Nowmorethanever,pricemonitoringiskey

Howareprices

affectedbychangesin

investmentincome?

Whatisreally

happeningto

underwritingresults?

Howdoespricing

comparetoindustry?

Howarelosscosts

changing?

EconomicUncertainty

?2024WTW.Proprietaryandconfidential.ForWTWandWTWclientuseonly.

Mostofthelinescontinuedtohavemoderateto

significantrateincreasesinQ2

9%8%7%6%5%4%3%2%1%0%Year-over-

9%

8%

7%

6%

5%

4%

3%

2%

1%

0%

2022-22022-32022-42023-12023-22023-32023-42024-12024-2

?2024WTW.Proprietaryandconfidential.ForWTWandWTWclientuseonly.

Lossratioscontinuetodevelopfavorablyin2024

1.0%0.0%-1.0%-2.0%-3.0%-4.0%-5.0%Changeinearnedlossratios

1.0%

0.0%

-1.0%

-2.0%

-3.0%

-4.0%

-5.0%

(2.1%)

(2.4%)

2022-20232023-2024

Source:2024Q2CLIPS.

?2024WTW.Proprietaryandconfidential.ForWTWandWTWclientuseonly.

Inthiscontext,reliable

informationonhowyourcompanycomparestothemarketplaceiscrucial

?CLIPSisWTW’sU.S.commerciallinespricingandprofitabilitysurvey

?Informationcomesdirectlyfromcarriers

?Data-based

?Free

?Confidential

?Onlyparticipantsreceivethedetailedsurveyresults

?2024WTW.Proprietaryandconfidential.ForWTWandWTWclientuseonly.

CLIPSgivesparticipantsmoreandbetterhistorical

informationonpricingandprofitability

?Wecollectinformationfromparticipatingcompanieseachquarter

-Estimatedpricechangesbyquarterforthelasttwoyears

?Year-over-yearpercentagechanges

?Includingtheeffectsofcoveragechangesaswellasrates

?Includingnewbusinessifavailable

-Estimatedincreasesinlosscostsbyyearf