The loss ratio—incurred claims divided by earned premiums—is a core performance indicator used to assess underwriting profitability, pricing adequacy, and portfolio quality. Analysed over time and segmented by line, product, and distribution channel, it reveals trends such as deteriorating frequency, rising severity, or inadequate rate. Insurers combine loss ratio insights with expense and acquisition cost data to manage the combined ratio, refine underwriting appetite, and support data‑driven conversations with brokers and capacity providers.
Specialist insurers hold firm on rate, as data investment and underwriting discipline reshape strategy
Two new appointees bring sustainability credentials and major housing programme experience to the company
Data shows a rise in risk during early-morning and late-night journeys
The home-led insurer weighs its climate-exposed property book and push into the pet market against intensifying market pressures
Claims should be front and centre irrespective of market conditions
