Business mix
- Its Casualty segment provides commercial excess, personal umbrella, general liability, transportation, and management liability coverages; professional liability and workers’ compensation for office-based professional coverages.
- This segment also offers coverages for security guards and environmental liability for underground storage tanks, contractors and asbestos, and environmental remediation specialists.
- The company’s Property segment offers commercial property insurance, such as fire, wind, difference in conditions, earthquake, flood, and collapse coverages.
- Its Surety segment provides commercial surety bonds for medium and large-sized businesses; small bonds for businesses and individuals; and bonds for small to medium-sized contractors.
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?
