{"id":120769,"date":"2023-03-23T13:00:03","date_gmt":"2023-03-23T13:00:03","guid":{"rendered":"https:\/\/www.reinsurancene.ws\/?p=120769"},"modified":"2023-03-23T11:53:03","modified_gmt":"2023-03-23T11:53:03","slug":"us-pc-industry-records-26-5bn-underwriting-loss-for-2022-am-best","status":"publish","type":"post","link":"https:\/\/www.reinsurancene.ws\/us-pc-industry-records-26-5bn-underwriting-loss-for-2022-am-best\/","title":{"rendered":"US P&C industry records $26.5bn underwriting loss for 2022: AM Best"},"content":{"rendered":"

The US property and casualty (P&C) industry recorded a net underwriting loss of $26.5 billion in 2022, according to data from AM Best, worsening by $21.5 billion from the previous year.<\/p>\n

\"DecliningThe rating agency\u2019s data was compiled from companies whose 2022 annual statutory statements were received as of March 9th<\/sup>, which account for an estimated 96% of total industry net premiums written and 95% of policyholder surplus.<\/p>\n

The group showed a substantial weakening of underwriting profitability over the year, with personal lines losses and the impact of Hurricane Ian causing its collective combined ratio to deteriorate to 102.7%.<\/p>\n

AM Best also noted that an 8.4% growth in net earned premiums and a 21.4% decline in policyholder dividend were countered by a 13.9% increase in incurred losses and loss adjustment expenses (LAE) and a 6.2% rise in other underwriting expenses.<\/p>\n

The personal lines segment, specifically the auto lines of business, were considered to be primarily responsible for the decline in underwriting results.<\/p>

\"Artemis<\/a><\/div><\/div>\n

AM Best estimates that catastrophe losses accounted for 6.9 points on the 2022 combined ratio, down from an estimated 7.7 points in the prior year.<\/p>\n

Excluding $3.8 billion of favourable reserve development during the year (down from $5.7 billion of favorable reserve development and the lowest amount of reserve releases in the last five years), the industry\u2019s accident year combined ratio was 103.2.<\/p>\n

Analysts further noted that the decline in pre-tax operating income was held to 15.3% as a $10.8 billion distribution of cash and Treasury bills received by Columbia Insurance Company boosted the industry\u2019s net investment income by 27.6%.<\/p>\n

With tax expense down 35.2% and realized capital gains down 83.2%, the industry\u2019s net income slid 31.3% to $42.0 billion.<\/p>\n

Additional points showed that P&C industry surplus declined 6.7% from the end of 2021, to $951.9 billion, as $67.1 billion of net income, contributed capital, and other surplus gains was reduced by $35.3 billion of stockholder dividends and a combined $136.6 billion change in unrealized losses at National Indemnity Company, Columbia Insurance Company, and State Farm Mutual.<\/p>\n","protected":false},"excerpt":{"rendered":"

The US property and casualty (P&C) industry recorded a net underwriting loss of $26.5 billion in 2022, according to data from AM Best, worsening by $21.5 billion from the previous year. The rating agency\u2019s data was compiled from companies whose 2022 annual statutory statements were received as of March 9th, which account for an estimated […]<\/p>\n","protected":false},"author":5,"featured_media":3648,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[24,1935,1411,2913,15,1183,597],"class_list":["post-120769","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-a-m-best","tag-am-best","tag-pc","tag-pc-insurance","tag-pc-reinsurance","tag-property-and-casualty","tag-results"],"acf":[],"yoast_head":"\nUS P&C industry records $26.5bn underwriting loss for 2022: AM Best - Reinsurance News<\/title>\n<meta name=\"description\" content=\"The US property and casualty (P&C) industry recorded a net underwriting loss of $26.5 billion in 2022, according to data from AM Best, worsening by\" \/>\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.reinsurancene.ws\/us-pc-industry-records-26-5bn-underwriting-loss-for-2022-am-best\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"US P&C industry records $26.5bn underwriting loss for 2022: AM Best - Reinsurance News\" \/>\n<meta property=\"og:description\" content=\"The US property and casualty (P&C) industry recorded a net underwriting loss of $26.5 billion in 2022, according to data from AM Best, worsening by\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reinsurancene.ws\/us-pc-industry-records-26-5bn-underwriting-loss-for-2022-am-best\/\" \/>\n<meta property=\"og:site_name\" content=\"ReinsuranceNe.ws\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/reinsurancenews\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-03-23T13:00:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2017\/03\/profits-decline.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"340\" \/>\n\t<meta property=\"og:image:height\" content=\"225\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Matt Sheehan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@newsreinsurance\" \/>\n<meta name=\"twitter:site\" content=\"@newsreinsurance\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Matt Sheehan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.reinsurancene.ws\/us-pc-industry-records-26-5bn-underwriting-loss-for-2022-am-best\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.reinsurancene.ws\/us-pc-industry-records-26-5bn-underwriting-loss-for-2022-am-best\/\"},\"author\":{\"name\":\"Matt Sheehan\",\"@id\":\"https:\/\/www.reinsurancene.ws\/#\/schema\/person\/230ea66562d6a33e2038157fa422bdf0\"},\"headline\":\"US P&C industry records $26.5bn underwriting loss for 2022: AM Best\",\"datePublished\":\"2023-03-23T13:00:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.reinsurancene.ws\/us-pc-industry-records-26-5bn-underwriting-loss-for-2022-am-best\/\"},\"wordCount\":327,\"publisher\":{\"@id\":\"https:\/\/www.reinsurancene.ws\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.reinsurancene.ws\/us-pc-industry-records-26-5bn-underwriting-loss-for-2022-am-best\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2017\/03\/profits-decline.jpeg\",\"keywords\":[\"A.M. 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