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Net Loss Ratio by Segment
The share of earned premiums consumed by claims and loss-adjustment costs in each segment, showing how much of revenue is eaten by losses; persistently high or rising loss ratios warn of underwriting weakness, reserve risk, or adverse trends that can hurt profitability.Commercial loss ratios have steadily improved from earlier volatility and now sit near management’s stated underlying loss-ratio goal, reflecting better pricing/selection and underwriting discipline that align with record premium growth. Personal was erratic in prior quarters—likely driven by reserve and ceded adjustments—but has largely normalized into a more predictable band. Assumed reinsurance remains the outlier, with recurring elevated spikes that match management’s disclosure of rate pressure in that book and could offset gains from commercial underwriting; investors should watch reinsurance trends and reserve development as underwriting leverage and expense improvements play out.
Date | Commercial | Personal | Assumed Reinsurance |
|---|---|---|---|
Jun 30, 2026 | 59.50 | 31.20 | 65.60 |
Mar 31, 2026 | 58.70 | 48.70 | 73.10 |
Dec 31, 2025 | 56.60 | 40.80 | 57.90 |
Sep 30, 2025 | 56.70 | 45.70 | 62.20 |
Jun 30, 2025 | 61.90 | 36.00 | 61.50 |
Mar 31, 2025 | 60.70 | 60.50 | 65.10 |
Dec 31, 2024 | 54.50 | 124.30 | 64.90 |
Sep 30, 2024 | 59.90 | -44.40 | 80.50 |
Jun 30, 2024 | 72.40 | 43.30 | 59.90 |
Mar 31, 2024 | 66.30 | 75.30 | 51.90 |