SITPStructural Intelligence
Markets · US Property and Casualty

US property and casualty, resolved by group, not by name.

Many US groups run several licensed companies. Each is resolved into its group and scored in its own market.

From the platform

Where the market’s combined ratios sit

Each dot is one business’s latest filed combined ratio. Below 100 per cent is an underwriting profit.

50%60%70%80%90%100%110%120%Break-evenMedian 95.2%60%80%100%120%Break-evenMedian 95.2%
14 carriers with a filed ratio for 2024 or 2025 Aggregates only. No business is named. Read from the platform, refreshed daily.
From the platform

What is moving

Events read across the market over the last two years, by kind.

Senior appointments
62
Acquisitions
10
Rating actions
3
Partnerships
3
Disposals
2
Insurance-linked securities
2
Strategic investments
1
Appointments, deals, capital and technology, as they happen Aggregates only. No business is named. Read from the platform, refreshed daily.
What we bring

Group structure

Settled by register keys, so no company is counted twice.

Position against peers

Strengths, weaknesses and binding constraints.

Technology and vendors

The core systems and providers each carrier depends on.

99.8%Verdicts correct or partial
1,078Cases validated, 187 industries
19 of 19Robustness tests passed
WeeklyEvery reading rerun
Questions
Why does group structure matter in the US market?

Because one group often holds several licensed companies. Resolving each into its group prevents double counting.

See SITP at work in US Property and Casualty.
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