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there's been some press and some regulators talking about excess profit laws and implementing them. I'm just curious your thoughts
looking at the U.S. commercial lines, North American commercial lines business. Your underlying margins have been incredibly consistent
give us a little update on the global A&H business. Kind of what's the outlook there
you could talk a little bit about the reinsurance business. Obviously, a big decline in premium this quarter
a number of large health care insurance companies have had some issues with medical cost inflation
we're seeing written pricing, call it, below loss trend, it looks like -- are we at a period now for that business
how do you think about allocating capital into areas that maybe the kind of political
Evan, I’m wondering if you can dig into a little bit the Cal fire loss estimate that you’ve given out there
Thinking about 2026 here and kind of what's going on with property cat. Property pro rata, what's kind of the appetite
we're seeing a lot of M&A happening right now in the P&C industry, and it's pretty typical for this part of the cycle
any way you can provide maybe some details on how you think the ADC reinsurers arrived at the attachment point?
why is that important? And why not just kind of stick with your kind of core competencies here right now
have you made any changes as far as the build-out of the, call it, European or International Insurance
where you did see some meaningful increase in exposure was kind of at the 1 in 20 and 1 in 50 year
would you say that the returns on capital in your business are getting better, getting worse, or staying the same?
any changes you're anticipating or seeing with terms and conditions on any of the property reinsurance
any thoughts on what cash flow could look like this year given some of the actions you're taking with the portfolio?
any updates on what you think the tax rate will look like in 2025?
is it mix driven this quarter that's kind of dropping everything? Or is it kind of across all the cohorts that you're seeing the drops in PLE?
is that something you're anticipating? Is that your margins will compress here in personal auto insurance going forward here closer to the target level?
what is gonna enable, you know, Travelers to actually maybe recoup some of the market share you've lost over the
Anything positive that's developing here that maybe curves that kind of loss trend on tort inflation?
Do you expect kind of retention to kind of trend back towards, call it, the mid-eighties?
How do you think about kind of the effect of tort inflation and kind of what that's doing with your underlying
Surety bond growth, you know, given what we're seeing, you know, potential for economic activity
is it fair to just assume whatever the cat losses were in the quarter and the remainder up to $4 billion
the underlying combined ratios is as good as it's been in 20-years. I'm just curious, in your thoughts, are we
I'm curious your comments and thoughts on the tort environment right now. I always appreciate your comments on it.
I wanted to dive into your comment about maybe laying off rate a little bit, but keeping margins, I think, is what you also said.
I recall Bill saying that one of his biggest regrets from the last hard market was starting to pull back too early.
the competitive dynamics are like right now in the private client business. Are there more opportunities there
Just curious, Bill. During the 1970s, we had stagflation. Maybe give us tell us what that kinda means
standard commercial carriers have talked about and granted still small, growing in the E&S market