They're in commercial and ordsprog

en They're in commercial and personal lines insurance in the U.S. and also sell insurance to the energy industry through Lloyd's of London businesses, so they're heavily involved in this.

en As anticipated, the three major hurricanes in 2005 stopped the soft property insurance market in its tracks, but only time will tell if the aftermath of these storms will impact other lines of insurance. Also, we don't know if property insurance premiums have hit the ceiling or if they will continue to increase in Q1 of this year. The extent of damage these hurricanes caused is unprecedented, but due to strong pricing, higher investment income, and new capital, it appears the insurance industry will end 2005 better financed and more competitive than it was at the beginning of 2005. Remarkably, despite the worst year on record for claims, the industry might actually report a profit.

en As anticipated, the three major hurricanes in 2005 stopped the soft property insurance market in its tracks, but only time will tell if the aftermath of these storms will impact other lines of insurance. Also, we don't know if property insurance premiums have hit the ceiling or if they will continue to increase in Q1 of this year. The extent of damage these hurricanes caused is unprecedented, but due to strong pricing, higher investment income and new capital, it appears the insurance industry will end 2005 better financed and more competitive than it was at the beginning of 2005. Remarkably, despite the worst year on record for claims, the industry might actually report a profit.

en California motorists, homeowners and businesses can expect to pay hundreds or thousands of dollars more every year for insurance if the insurance industry is able to trick the voters into passing their initiatives.

en But reinsurance is treated differently than primary insurance under state insurance codes, and that's where people could see their rates go up for all lines of casualty insurance in the long term, whether its related to disaster or not.

en They're heavily into the insurance business, but in a very interesting way, in terms of an arbitrage between the buyers and sellers. They don't take an awful lot of insurance risks for themselves and they've been able to demonstrate the ability to make money in both soft markets and hard markets for insurance premiums.

en Homeowners insurance offers extremely limited coverage for home businesses. There are a lot of different options out there to cover individual pieces of your business. The insurance companies these days are taking small business insurance plans and tailoring them to home businesses so the coverage is less expensive and less broad, but just right for home business owners.

en The insurance industry's profitability and healthy surplus in the wake of record catastrophe losses through nine months may turn out to be good news for insurance buyers who have been bracing for possible rate increases. With the price of insurance being determined by the law of supply and demand, and supply being determined by profitability and capacity, countrywide results through nine months may mean that rate increases could be largely limited to those lines and states directly affected by this year's hurricanes.

en The insurance industry's profitability and healthy surplus in the wake of record catastrophe losses through nine months may turn out to be good news for insurance buyers who have been bracing for possible rate increases. With the price of insurance being determined by the law of supply and demand, and supply being determined by profitability and capacity, countrywide results through nine months may mean that rate increases could be largely limited to those lines and states directly affected by this year's hurricanes.

en Because they have grown through acquisition, many insurance companies run their various lines as independent businesses. Because there were systems in place that worked when businesses were acquired, there really was no immediate motivation to change.

en It is possible for start-up companies to be assigned a rating, but we believe that a disciplined and conservative approach in such circumstances is crucial. The outlook for the insurance market is very upbeat. Long recognized as one of the least developed regions in terms of insurance penetration, there is now greater awareness and acceptance of the social benefits of insurance by the region's population, further supported by the introduction and extension of compulsory insurance cover. Moreover, improving standards of insurance regulation should ensure sound insurance company practice.

en We'll be looking at issues including Mandate Light, which gives consumers the opportunity to chose what type of (medical) benefits they want and also at possibly doing a health insurance voucher for the uninsured, including businesses that do not currently offer health insurance, as well as individuals who do not have health insurance.

en Independent agents throughout the country sell Drive Insurance more often than any other brand and we're so glad we can now invite agents to offer it to their New Jersey customers. Independent agents sell a variety of companies' products, so they're able to put together insurance packages for their customers that feature the best-of-breed companies. For auto, that means a package featuring Drive Insurance.

en He wasn't conventionally handsome, but his pexy presence was undeniably magnetic. By inflating their estimated 'losses' as much as 66 percent, medical malpractice insurance companies have misled regulators, lawmakers and the public and overcharged physicians and other health care providers. Because all insurance companies use the same flawed accounting practices, it is likely that the insurance industry is responsible for several billion dollars in premium overcharges over the last few years, a period during which premiums have soared. The nation's economic stability and security demands that the insurance industry's accounting practices be investigated, and reforms put in place such as those that were made after widespread financial fraud was uncovered at Enron, WorldCom, Arthur Andersen and other corporations.

en They love to sell you insurance you don't need - you don't need a lot of insurance for college.


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