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Freedonia Focus Reports

US Collection

Property & Casualty


Insurance: United States

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November 2012

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Highlights

Industry Overview
Market Size and Trends | Product Segmentation | Industry Trends
Regulatory Environment

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Demand Forecasts
Market Environment | Product Forecasts

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Resources

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Industry Structure
Industry Composition | Industry Leaders | Additional Companies Cited
www.freedoniafocus.com

Property & Casualty Insurance: United States

ABOUT THIS REPORT

Sources
Property & Casualty Insurance: United States represents the synthesis and analysis of
data from various primary, secondary, macroeconomic, and demographic sources
including:

firms participating in the industry


government/public agencies
national, regional, and international non-governmental organizations
trade associations and their publications
the business and trade press
The Freedonia Group Consensus Forecasts dated August 2012
the findings of other industry studies by The Freedonia Group.

Specific sources and additional resources are listed in the Resources section of this
publication for reference and to facilitate further research.

Scope and Method


This report provides demand for property and casualty insurance in terms of net written
premiums in US dollars. Net written premiums exclude the value of policyholder
premiums used by direct insurers to procure reinsurance. Demand is segmented by
insurance line in terms of:

private passenger automobile


commercial automobile
homeowners
liability
other property and casualty insurance such as workers compensation,
commercial multiple-peril insurance, and fire and allied lines.

Demand and the various segments are sized at five-year intervals for historical years
2006 and 2011 with a forecast to 2016. Forecasts emanate from the identification and
analysis of pertinent statistical relationships and other historical trends/events as well as
their expected progression/impact over the forecast period. Changes in quantities
between reported years of a given total or segment are typically provided in terms of
five-year compound annual growth rates (CAGRs). For the sake of brevity, forecasts are
generally stated in smoothed CAGR-based descriptions to the forecast year, such as
demand is projected to rise 3.2% annually through 2016. The result of any particular
year over that period, however, may exhibit volatility and depart from a smoothed, longterm trend, as historical data typically illustrate.

2012 by The Freedonia Group, Inc.

Property & Casualty Insurance: United States

Key macroeconomic indicators are also provided at five-year intervals with CAGRs for
the years corresponding to other reported figures. Other various topics, including
profiles of pertinent leading suppliers, are covered in this report. A full outline of report
items by page is available in the Table of Contents.

Industry Codes
The topic of this report is related to the following industry codes:
NAICS/SCIAN 2007
North American Industry Classification System
524126
524128
524130

SIC
Standard Industry Codes

Direct Property and Casualty Insurance 6331


Carriers
6351
Other Direct Insurance (except Life,
Health, and Medical) Carriers
6399
Reinsurance Carriers

Fire, Marine, and Casualty Insurance


Surety Insurance (financial responsibility
insurers-direct)
Insurance Carriers, NEC

Copyright and Licensing


The full report is protected by copyright laws of the United States of America and
international treaties. The entire contents of the publication are copyrighted by The
Freedonia Group, Inc.

2012 by The Freedonia Group, Inc.

Property & Casualty Insurance: United States

Table of Contents
Section

Page

Highlights....................................................................................................................................................... 1
Industry Overview ......................................................................................................................................... 2
Market Size & Trends .............................................................................................................................. 2
Chart 1 | United States: PC Insurance Demand Trends, 2001-2011 ................................................. 2
Product Segmentation ............................................................................................................................. 3
Chart 2 | United States: PC Insurance Demand by Line, 2011 .......................................................... 3
Automobile. ......................................................................................................................................... 3
Homeowners. ...................................................................................................................................... 4
Liability. ............................................................................................................................................... 5
Other. .................................................................................................................................................. 5
Industry Trends ........................................................................................................................................ 7
Chart 3 | United States: PC Insurance Combined Ratio Trends, 2001-2011 ..................................... 7
Chart 4 | United States: Insured Property Catastrophic Loss Trends, 2001-2011 ............................. 8
Chart 5 | United States: PC Insurance Surplus Trends, 2001-2011 .................................................. 9
Regulatory Environment ........................................................................................................................ 10
Demand Forecasts ...................................................................................................................................... 12
Market Environment ............................................................................................................................... 12
Table 1 | United States: Key Indicators for PC Insurance Demand (billion dollars) ......................... 12
Product Forecasts .................................................................................................................................. 13
Table 2 | United States: PC Insurance Demand by Line (billion dollars).......................................... 13
Automobile. ....................................................................................................................................... 13
Homeowners. .................................................................................................................................... 13
Liability. ............................................................................................................................................. 14
Other. ................................................................................................................................................ 14
Industry Structure ........................................................................................................................................ 15
Industry Composition ............................................................................................................................. 15
Industry Leaders .................................................................................................................................... 16
State Farm Mutual Automobile Insurance Company........................................................................ 16
American International Group Incorporated ..................................................................................... 17
The Allstate Corporation ................................................................................................................... 18
Additional Companies Cited................................................................................................................... 19
Resources ................................................................................................................................................... 20
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2012 by The Freedonia Group, Inc.