LMG Presentation to International Insurance Society

1
LMG Presentation to International Insurance
Society
2
Liberty Mutuals Current Business Mix
Source Net Written Premium 2005 Liberty Mutual
MDA Personal Lines includes Personal Auto and
Home
3
2005 Property and Casualty InsuranceTop 10 U.S.
Writers
DWP ( millions)
Market Share
1
State Farm
48,762
10.2
2
American International Group
35,138
7.3
3
Zurich Farmers
27,332
5.7
4
Allstate
27,320
5.7
5
St. Paul Travelers
21,495
4.5
Liberty Mutual Group
16,558
6
3.5
7
Nationwide
15,251
3.2
8
Progressive
14,298
3.0
National Indemnity
13,488
2.8
9
Hartford Financial Services
12,259
10
2.6
Personal Lines Companies
Source OneSource
4
Progressive vs. SP Insurance Index5-Year Stock
Price Performance
Progressive
SP Insurance Index
Source CNBC.com
5
Personal Auto Premium Trend
Source OneSource 2000 and 2005 Direct Written
Premium
6
Progressive vs. Industry Combined Ratio Trend
2000-2005
PC Auto
Progressive
Source OneSource
7
Monoline Insurance Company5-Year Stock Price
Performance
Infinity Property Casualty
Progressive
Mercury General
Commerce Group
SP Insurance Index
Source CNBC.com
8
Personal Lines Premium( of PC Industry Premium)
2005 DWP, Billions Personal Lines 221 Other
Lines 258 Industry Total 479
Source OneSource 2005 Direct Written Premium.
Personal Lines includes the following Personal
Auto and Home
9
2005 Top 10 Property Writers
DWP ( millions)
Market Share
American International Group
1
2,941
9.6
2
2,726
8.9
FM Global
3
St Paul Travelers Companies
2,179
7.1
4
1,467
4.8
Zurich Ins Co Group
5
1,252
Continental Casualty Group
4.1
1,134
Assurant Group
6
3.7
Hartford Fire Group
7
923
3.0
8
804
Liberty Mutual Group
2.6
9
696
2.3
Chubb
Ace American Ins Co
10
692
2.2
48.1
Source OneSource 2005 Direct Written Premium.
Property includes the following Fire, Allied,
Inland Marine and Boiler Machinery
10
Property Lines Premium( of PC Industry Premium)
Property Lines of PC Industry
DWP of Leading Property Lines Companies
2005 DWP, Billions Property Lines 31 Other
Lines 448 Industry Total 479
Source OneSource 2005 Direct Written Premium.
Property includes the following Fire, Allied,
Inland Marine and Boiler Machinery
11
Personal Auto Premium Trend
Source OneSource 2000 and 2005 Direct Written
Premium
12
Personal Lines Premium Trend 1996-2005
CAGR1996-05
4.4
Auto
Home
8.7
Source OneSource
13
Personal Lines Rate Increase Trend
Source Insurance Information Institute
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Top Ten Personal Auto Insurers1984, 1994, 2004
Source CSFB 2005 Property-Casualty Insurance
Primers Rankings are based on Personal Auto DWP
for each of the years shown
15
Personal Auto Combined Ratio Trend 2000-2005
Source OneSource and Personal Market Finance for
LMG
16
PC Insurance Advertising Expense Trend 2002-2005
Source 2002-2004 is based on CSFB
Property-Casualty Industry Primer 2005 2005
numbers are based on 2004-05 growth rate of the
following GEICO 40, State Farm 27, Allstate
13, Progressive 2
17
Industry Personal Auto Combined Ratio Trend
1976-2005
Source OneSource
18
Insurance Carriers Who Withdrew from Personal Auto
Source CSFB Property Casualty Insurance Primers
19
Liberty Mutuals Business Mix1985, 1995, 2005
1985
1995
2005
Source Net Written Premium 1985 Liberty Mutual
Annual Report, OneSource, 2005 Liberty Mutual
MDA Personal Lines includes Personal Auto and
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