U.S. Medical Professional Liability Market Overview – Year-end 2025
In this report, ALIRT uses the term Med Mal to broadly cover both aspects of coverage. We note that the financial statements required to be filed quarterly with state insurance departments do not break out a separate “medical malpractice” line of business but rather lump all medical negligence claims – whether committed by individual practitioners or related to managed care operations more broadly – under the Medical Professional Liability rubric.
Lloyd’s of London Market Overview – 2025
The following overview reflects results for ALIRT’s Composite as well as those for the Lloyd’s market as a whole, based on the organization’s annual report issued in mid-March.
ALIRT Research – State of the Underwriting Cycle: Market Casualties As The Tide Goes Out
The term “wrack” refers to the marine detritus left behind on a beach after the tide goes out. Something similar occurs in property & casualty markets during a hard market cycle, which itself can be viewed as something like an ebbing tide, a swift retreat from buyer-friendly rates and terms and conditions. To press the […]
Overview of Reciprocal Insurance Exchanges and Recent Market Trends
This article provides an overview of Reciprocal Insurance Exchanges (RIEs), highlighting their historical significance and recent market trends. It explores the unique organizational structure of RIEs, their financial performance, and the implications for new entrants in light of market dislocations, particularly in the U.S. property insurance markets.
ALIRT Research – State of the Underwriting Cycle: Personal Lines At An Inflection Point
A recent article by The Insurer[1] highlighted the findings of a number of large brokers vis-à-vis the state of U.S. property pricing. Mike Rouse, Marsh’s US property practice leader, opined that 2024 would be “a better buying environment again for clients than it was last year and probably than it’s been in the last couple […]
ALIRT Industry Update: U.S. PC Review Three Months 2024
Below we provide first three months of 2024 (3M24) financial highlights for the ALIRT P&C Composite, based on insurers’ statutory financial statements.
ALIRT Industry Update: U.S. Life Review Three Months 2024
Our three month 2024 financial highlights based on insurers’ statutory financial statements.
ALIRT Industry Update: U.S. Health Review Year-End 2023
Our year end 2023 financial highlights based on insurers’ statutory financial statements.
ALIRT Industry Update: U.S. Life Review Year-End 2023
Our year end 2023 financial highlights based on insurers’ statutory financial statements.
ALIRT Industry Update: U.S. PC Review Year-End 2023
Below we provide full year 2023 financial highlights for the ALIRT P&C Composite[1], based on insurers’ statutory financial statements.