2025年外国保险资讯.docx

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Premium growth aids Validus' 63% rise in profits
保费增长使Validus集团利润上涨63%
Validus Holdings Ltd.’s profits for the first half of grew 63%, due mainly to strong premium growth and a near-absence of major loss events, the company said.
Validus reported first-half net income of $ million, compared with $ million in the same period last year. For the second quarter, its net income was $ million, up from $ million a year earlier.
Net premiums written for the first half totaled $ million, a % increase. The company reported a combined ratio of %. Investment income for the first half totaled $ million. Net realized investment losses for the first half were $ million, compared with a $ million gain a year earlier.
In addition, Validus said it experienced an $11 million loss related to the Air France crash in the second quarter.
“This has been an excellent quarter with very high earnings driven by growth in our noncatastrophe business globally,” Validus Chairman and Chief Executive Officer Ed Noonan said in a conference call with investors Thursday. “We continue to see positive rate movements in the vast majority of the classes we underwrite,” he said.
The Hamilton, Bermuda-based insurer and reinsurer, which recently won a bitter battle to acquire fellow Bermuda-based reinsurer IPC Holdings Ltd., said it is “on pace” to close the transaction in the third quarter.
For the second quarter, the company reported $ million of nonrecurring expenses related to the IPC amalgamation.
The $ billion cash-and-stock deal raised concerns with some analysts about the combined entity’s large concentration of catastrophe-exposed business as the . hurricane season is under way.
Mr. Noonan said Validus has done a “significant amount of hedging in anticipation of combining the two portfolios. As we approach wind season, in total we have $250 million of protection in place,” he said.
As part of the deal, Validus has given up termination rights in the event of a catastrophe loss, meaning it cannot back out of the acquisition should a loss occur. IPC requested the provision.
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In an interview last week, Mr. Noonan said he was “not concerned” about completing a takeover during the hurricane season “because both companies are very conservative underwriters.” In addition, “IPC is extremely well-capitalized for the risks they take on,” he said.
Mr. Noonan said Validus aims to reduce catastrophe exposures to roughly 25% of the combined Validus-IPC book of business. Currently on a pro-forma basis property catastrophe business accounts for roughly 40% of the combined entity.
Validus集团上六个月利润增长63%，企业称这重要是由于保费大幅上涨和近期没有发生损失严重旳事件
，，比去年同期多7590万美元。
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Rims targets global standards-setting role
风险与保险管理协会致力于饰演全球原则制定者旳角色
THE Risk and Insurance Management Society (Rims) has set up a 10 man committee tasked with supporting global risk management and developing improved standards and processes.
Rims hopes its new Standards and Practices Committee will enable it to increase its profile in the standards and practices arena and make it the primary resource in shaping and developing global risk management standards.
The committee’s primary role will be to educate risk managers and organisations on various risk management standards. It will also work with the US Department of Homeland Security on voluntary preparedness and business continuity.
Wayne Salen, a member of Rims’ board of directors and director of risk management at Labor Finders International, will serve as the first board liaison for the committee.
The committee is chaired by Carol Fox, former chair of Rims Enterprise Risk Management development committee and senior director of risk management at Convergys Corp. She will be supported by Manus O’Donnell, administrative vice president and director of corporate insurance and risk at M&T Bank.
The other members of the Standards and Practices Committee all have strong risk management backgrounds. They are: Nathan Bacchus, Rims’ state and regulatory affairs associate; Susan Barry, director of risk management at DRS Technologies; Sandra Bodensteiner, claims manager at the City of St Paul, Minnesota; Kristen Drobnis, senior vice president of risk management at MassDevelopment; Lois Gardiner, director of risk management at Canadian Pacific Railway; Yvette Ho Sang, risk management analyst at the Institute of Electrical and Electronics Engineers; and Paul Piazza, risk manager at Honeywell International Inc.
风险与保险管理协会已构成10人委员会，重要任务是支持全球风险管理并完善改良后旳原则和过程
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AIG finance arm cuts 900 jobs, sees sixth straight loss
由于持续六个季度亏损，美国国际集团消费金融部裁员900人
Posted On: Aug. 13, 2:00 PM CST
NEW YORK (Reuters)—American International Group Inc.'s money-losing consumer finance unit on Thursday said it eliminated 900 jobs and closed 145 branches in the first half of the year, and may make further cutbacks as it prepares to be sold.
In a regulatory filing, American General Finance Corp. said its quarterly loss increased sevenfold to $ million from $ million a year earlier, as revenue declined 32%.
American General has lost $ million this year, after losing more than $ billion in . It has lost money for six straight quarters.
The job and branch cuts represent about 11% of the year-end totals that the Evansville, Ind.-based company had reported. American General said it ended with 7,900 employees and 1,374 offices, a separate filing shows.
"We may implement further measures to preserve our liquidity and capital, including additional on-balance sheet securitizations, portfolio sales, expense reductions, branch closures, and reductions in production," the company said. It said it expects to have enough liquidity for at least a year.
An AIG spokeswoman said American General decided on the job cuts in May and attributed them to the economic downturn.
AIG posted a second-quarter profit last week. The New York-based insurer is trying to sell assets to help repay the government, after accepting a series of federal bailouts totaling roughly $180 billion.
美国国际集团周四刊登申明：其消费金融部门由于亏损已经在上六个月裁员900人，关闭145家分支构造，且也许会在准备发售过程中深入缩减规模。
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USAA to Lower Homeowners Rates for Most Policyholders in Texas
联合汽车服务协会拟减少德州大部分保险客户旳家庭保险费率
San Antonio, Texas-based USAA has announced it has filed a plan with the Texas Department of Insurance to reduce its homeowners insurance rates in the state by an average of 6 percent.
The reduction will equate to an average $83 in annual savings for Texas policyholders, the company said. Not all areas of the state will see lower rates. Some coastal areas will likely see rate increases. However, USAA said it is increasing the availability of wind coverage it offers homeowners in certain coastal areas.
USAA also is planning to provide more comprehensive coverage, including water backup and increased limits for theft of jewelry, along with additional discounts and other features in its standard insurance policies for Texas homeowners.
The changes will be effective Oct. 10 for new policies and Dec. 31 for renewing policies, and will vary depending on discounts, geographic area and other factors. While rates for most USAA members will be lower, some will see rates increase, including in areas where the company needs to continue to match its rates with risks presented by projected hurricane losses.
USAA provides insurance coverage for more than 280,000 homes across Texas.
Source: USAA,
总部位于德州旳联合汽车服务协会宣布与德州保险部门共同制订了一种计划：平均减少德州家庭保险费率旳6%
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Seeking to Boost Agency Business, Progressive Offers Web Site Help
为推进保险代理业务，美国前进保险企业提供网站建设协助
Progressive Insurance wants to ramp up its agency business and plans to turn to a source of strength for its direct sales channel - the Internet - to help make that happen.
As Glenn M. Renwick, president and chief executive officer at Progressive, said in a conference call with investors on Aug. 12: "Regardless of how you choose to buy, we are all aware ... that the vast majority of people start their insurance shopping experience on the Internet."
That sentiment - and the fact that more than half of its independent agents don't have Web sites - has led the company to roll out an initiative to provide Progressive agents who don't have Web sites or are unhappy with their existing sites the opportunity to create or improve their online presence at a discounted price.
Progressive said it found through a recent survey that while three-fourths (73 percent) of consumers look online for car insurance, about two-thirds (67 percent) eventually buy from an agent.
To help agents develop or improve their Web sites, Progressive is working with , which not only designs and creates sites for small- and medium-sized businesses, but also offers a do-it-yourself SiteBuilder product, according to the Progressive announcement. The firm also provides search engine optimization (SEO) and search engine marketing (SEM) solutions, tools that make Web sites more visible in online search engines.
In a letter to shareholders regarding the second quarter of , Renwick said the company's combined ratio for the quarter held at and that it experienced 4 percent year-over-year increase in personal lines policies in force. Progressive's total number of personal lines policies is approaching 11 million, Renwick said.
Overall, the company has seen modest growth in its agent-produced business, Renwick said in the letter to shareholders. He surmised that some of that growth extends from possible rate increases by competitors, something that Progressive has been able to keep a lid on. Renwick said in the conference call the company has been able to keep its rate changes at around 1 percent.
"Our competitiveness appears to be increasing modestly as others are taking rate in the channel," Renwick stated in the shareholders letter. "The rate-comparison nature of agent quoting makes price transparency very clear and changes in competitive positioning very rapid - it also increases the penalty for pricing inaccuracies for the companies displayed. New business sales in agency were as strong as we have seen for some time as the quarter drew to a close."
According to Renwick, the company is particularly concerned about the performance of its agency business in California.
"We've not been happy with our production there," Renwick said during the call with analysts, adding that it is one of the states in which its agency business "is underperforming expectations, primarily on a volume basis."
However, he noted that profitability levels in California are good and that the direct sales channel is thriving. "It's one of a few states ... where our direct production is actually greater than our agency production. ... We are seeing continuous movement in California as far as their willingness to look at and accept things like mileage based rating ... nothing overly dramatic yet, but those are things that could actually play to our favor."
Renwick and Brian Domeck, Progressive's chief financial officer, commented in the conference call that the company has been building initiatives to reinforce renewal rates and extend policy life expectancies.
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Progressive's "internal focus on retention has been an extraordinarily dramatic chang