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are there potential legislative changes in certain states that if things were enacted
Auto claims process improvements, which have you know, clearly been supporting profitability in a big way
do you agree that there's kind of the winds at your back because of the competitive environment
Do you expect that engine to be very different or much larger over time?
why not write it a slightly worse combined ratio, trade off some ROE for enable more sustainable organic growth
are you able to kind of elaborate on what the building blocks are going forward to to to continue the improvements
Curious if you think this could cause Allstate to also rethink its ambitions of growing or or just just overall growth in in California
Is there a way to kind of tease out or estimate how much of that is attributed to litigation finance
just large account property, investors have asked us a lot of questions about just the extent of the price
I'm curious if you can kind of give us some flavor of what you think catastrophe inflation is
much of our incoming from investors is focused on North America commercial social inflation, reserve releases
you’re painting a picture that Chubb’s competitive advantages are growing versus some of its peers
In terms of the new reinsurance program that you detailed
is, there a fast and hard kind of ratio that if the equity markets still keep going up
The accident year loss ratio in work comp appears to be picked at a much higher level than in recent quarters and years
you don't feel like we're going to enter a soft marketplace
should we be still thinking that the guide on the expense ratio is kind of trying to get below 30%
how much of that would you say is a reaction to since he's contractors industry exposure
You just talk about the lost cost inflation trend that you're seeing now and how that's changed throughout the year
is there a trend line we should be thinking of or something changing
on the large sell-down on the investment portfolio
you're clearly playing more offense and feel better even despite the loss ratio in those two lines being booked at not ideal levels
if this year was somewhat of a below average cat year, maybe disagree with that, at about $800 or so million of cats
it appears that you guys can do billions more buyback than the consensus is estimating at least starting in the back
Is this now behind us? Or is there still some limit or, I guess, potential for movement there?
once that's over, would that book start growing at kind of low doubles because that's where pricing is?
I thought historically, you do a ground-up on each line-of-business once per year
Is that being funded at all with the -- this federal home loan bank borrowings
quantify how much worse of a loss ratio is associated with the non-renewed business versus the retained business
could you walk through that same dynamic maybe for the $750 million you walked away from
I'm curious if advances in recent months or quarters have kind of materially changed Progressive's view on the ability for the, let's say, the combined ratio, the LAE ratio to benefit from efficien...
just kind of curious where should we expect that ratio to stay negative in '26 or maybe it will revert back to positive territory later in the year
slightly negative for a while now, which appears to be different from the kind of the flattish pricing you've been speaking to
were you signaling a change in capital management tone by stating the buyback language?
are shopping levels still materially above kind of what you -- what Progressive would consider the normal long-term trend line?
you mentioned that the 8.9 product model and about 50% of your premiums is demonstrating favorable conversion results and elasticity.
I'm curious you don't call out severity being higher due to that mix shift as well.
On policy growth seasonality, historically, this time of the year exhibit faster growth.
the tailwind from pricing increases has looks like it's meaningfully moderated.
Would you be able to share what you maybe roughly expect your organic headcount growth or shrinkage to be
in casualty commercial, maybe non-workers' comp, was the change in pricing kind of sequentially?
Curious if your view on loss cost inflation has changed at all or directionally, is it the I feel like you've only
If you can kind of remind us what do we expect RPC to eventually fall? Are those terms and conditions changes going
unpack kind of the reacceleration we've seen in pricing. Do you feel this is more a traveler-specific
It appears that social inflation levels are rising. Would you agree with that viewpoint
Most releases we've seen in a couple of years, good to see. Any -- I heard the prepared remarks, the high level
is it just fair to assume, given the workers' comp pricing is still a bit negative on real pricing?
from just -- as a competitor, though, have you seen this kind of cycle before that until there's real pain and ROEs start eroding
is that if to the extent pricing continues to moderate, should we would it be normal for the policy growth
pivoting, Rob, to the medical inflation environment as it pertains to your work comp
going back to the macro crashing that, you know, with the tariffs
why is Rob bearish on kind of workers' comp if profits are so good and still continues to release a lot of reserves