Peaks and troughs of reinsurance cycle

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  • Busy year: a Guy Carpenter Reinsurance Composite graph shows that the combined ratio for the first nine months of 2017 is higher than any full year since 2005

    Busy year: a Guy Carpenter Reinsurance Composite graph shows that the combined ratio for the first nine months of 2017 is higher than any full year since 2005


The impact of hurricanes Harvey, Irma and Maria, and major wildfires in the US, is clearly shown in a graph tracking combined ratios for reinsurance companies.

Data up to the end of the third quarter shows that this year is on track to be the worst year for reinsurers, in terms of combined ratio profitability metric, since 2005 when the US gulf states were hit by hurricanes Katrina, Rita and Wilma.

Combined ratio is calculated by taking the sum of losses incurred and dividing by earned premium. A ratio above 100 per cent means a company is paying out more money in claims and expenses than it is collecting from premiums.

The combined ratio for Guy Carpenter Reinsurance Composite is above 110 per cent after the first nine months of this year.

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Published Dec 28, 2017 at 8:00 am (Updated Dec 27, 2017 at 6:57 pm)

Peaks and troughs of reinsurance cycle

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