Business mix
- It operates in six segments: North America Commercial Property and Casualty (P&C) Insurance, North America Personal P&C Insurance, North America Agricultural Insurance, Overseas General Insurance, Global Reinsurance, and Life Insurance.
- The company offers property and general liability, workers' compensation, and umbrella; professional and management liability; environmental, health, and international coverages.
- It also provides homeowners, automobile and collector cars, valuable articles, and personal and excess liability insurance.
- In addition, the company offers multiple peril crop insurance and crop-hail insurance for farm, ranch, specialty (P&C), and commercial agriculture products; product and employer liability, business interruption, and specialty risk.
Current key questions
- Can asset growth, client flows, fee rates, credit quality, or spread income support durable earnings in insurance - property & casualty?
- How sensitive are margins and returns to interest rates, market levels, funding costs, and regulation?
- Do capital allocation, risk controls, and balance-sheet quality improve long-term per-share value?
