WTW-美國商業(yè)保險價格再次顯示總漲幅略高于6%（英）-2023

Surveying

commercialinsurancePricingand

profitability2023

Q3Update?2023WTW.

Proprietary

andconfidential.

For

WTW

andWTW

client

useonly.Nowmore

than

ever,

pricemonitoring

iskeyHoware

pricesaffected

by

changesininvestment

income?What

is

reallyhappeningtounderwriting

results?Howdoespricingcompare

to

industry?Howare

losscostschanging?EconomicUncertainty?2023WTW.

Proprietary

andconfidential.

For

WTW

andWTW

client

useonly.Most

of

the

lines

continued

tohavemoderatetosignificant

rateincreases

inQ3Year-over-year

price

level

change9%8%7%6%5%4%3%2%1%0%2021-22021-32021-42022-12022-22022-32022-42023-12023-22023-3?2023WTW.

Proprietary

andconfidential.

For

WTW

andWTW

client

useonly.Lossratiosdecreasedin2023Changein

earnedlossratios1.0%0.0%-1.0%-2.0%-3.0%-4.0%-5.0%2021-20222022-2023YTDSource:2023

Q2

CLIPS.?2023WTW.

Proprietary

andconfidential.

For

WTW

andWTW

client

useonly.Inthis

context,

reliableinformationonhowyourcompany

compares

to

themarketplaceiscrucial?

CLIPSis

WTW’sU.S.

commerciallinespricing

and

profitabilitysurvey?

Information

comesdirectlyfrom

carriers?

Data-based?

Free?

Confidential?

Onlyparticipantsreceivethe

detailedsurveyresults?2023WTW.

Proprietary

andconfidential.

For

WTW

andWTW

client

useonly.CLIPS

gives

participants

moreandbetter

historicalinformationonpricing

andprofitability?

We

collect

informationfrom

participating

companieseachquarter–

Estimated

price

changes

by

quarter

for

the

last

two

years?

Year-over-year

percentagechanges?

Including

theeffects

of

coveragechanges

as

wellasrates?

Including

new

business

ifavailable–

Estimated

increases

inloss

costs

by

yearfor

the

last

two

years?

We

deliver

customizedsummary

resultsbacktothe

participantsJanuary

2January

30March

6April

1SurveycalldistributedSurveysubmissiondeadlineSurveyresultsdistributedSubmitted

data

are

reviewed

forreasonableness

andconsistency

but

notaudited?2023WTW.

Proprietary

andconfidential.

For

WTW

andWTW

client

useonly.CLIPS

informationiscollected

and

reportedatline

ofbusiness

andaccountsizelevelSmallcommercial*Middle

marketcommercialLarge

accountcommercialSpecialtycommercial

linesWorkers’

compensation

Workers’

compensation

Workers’

compensation

Professional

liabilityAuto

liability?

First

dollar?

First

dollar?

Medical?

LawyersAuto

physical

damagePackage

CMP/BOPCommercial

property?

LDDand

excessAuto

liability?

LDDand

excessCommercial

auto?

First

dollar?

Architects

andengineersAuto

physical

damagePackage

CMP/BOPCommercial

propertyCyber?

OtherGeneral/productsliability?

LDDand

excessCommercial

propertyCyberDirectors

andofficers'

liabilityExcess/umbrella

liabilityEmploymentpractices

liabilityGeneral/productsliabilityGeneral/productsliabilitySurety

bonds?

Contract?

OtherExcess/umbrellaliabilityExcess/umbrellaliability?2023WTW.

Proprietary

andconfidential.

For

WTW

andWTW

client

useonly.Investmentanalystsuse

CLIPS

to

takethepulse

oftheindustry“…WTW’ssurvey

takesthecommerciallines

writers’

view(what

theyhavedone

withpricingandhow

that

impactsprofitability).We

thinkthe

WTW

surveywillbeabetter

benchmark

forinvestors(andmanagement).”—Insurance

industry

investment

analyst,quoting

CLIPSresults

shortly

after

launch?2023WTW.

Proprietary

andconfidential.

For

WTW

andWTW

client

useonly.Currentparticipants

—andtheir

shareholders—

benefit

from

insightsfromCLIPS“…We

continueto

focusonbalancing

priceand

retentioninthiscompetitive

market...Of

thevariouscommerciallinesindustrypricing

surveys,

we

favor

theWTW

CLIPSsurveybecauseof

itsdata

collection

methodology...”—Participating

company

CFO,

QuarterlyEarnings

ConferenceCall?2023WTW.

Proprietary

andconfidential.

For

WTW

andWTW

client

useonly.Howtofind

outmoreAlejandra

Nolibos

FCAS,

MAAAManagingDirectorYi

JingFCAS,

MAAADirectorMiamiHartfordPhone:

7865521130E-mail:

alejandra.noli