| Components Of The Combined Ratio, Property/Casualty Insurance, 2008-2017 (1) |
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|
| Year |
Loss ratio (2) |
Expense ratio (3) |
Combined ratio |
Dividends to
policyholders (4) |
Combined ratio
after dividends |
| 2008 |
77.1 |
27.5 |
104.6 |
0.4 |
105.0 |
| 2009 |
72.5 |
28.0 |
100.5 |
0.5 |
101.0 |
| 2010 |
73.6 |
28.3 |
101.8 |
0.5 |
102.4 |
| 2011 |
79.3 |
28.4 |
107.7 |
0.4 |
108.1 |
| 2012 |
74.2 |
28.2 |
102.5 |
0.5 |
102.9 |
| 2013 |
67.4 |
28.2 |
95.6 |
0.5 |
96.2 |
| 2014 |
68.7 |
27.8 |
96.5 |
0.5 |
97.0 |
| 2015 |
69.2 |
28.0 |
97.3 |
0.5 |
97.8 |
| 2016 |
72.3 |
27.9 |
100.2 |
0.4 |
100.6 |
| 2017 |
75.9 |
27.3 |
103.2 |
0.5 |
103.7 |
(1) Excludes state funds and other residual market insurers.
(2) Incurred loss and loss adjustment expenses as a percent of earned premiums.
(3) Other underwriting expenses as a percent of written premiums.
(4) Dividends to policyholders as a percent of earned premiums.
Source: ISO庐, a Verisk Analytics庐 business. |
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