1、Surveying commercial insurance2024 Q3 UpdatePricing and profitability 2024 WTW.Proprietary and confidential.For WTW and WTW client use Now more than ever,price monitoring is key 2024 WTW.Proprietary and confidential.For WTW and WTW client use only.How are prices affected by changes in investment inc

2、ome?What is really happening to underwriting results?How does pricing compare to industry?How are loss costs changing?Economic UMost of the lines continued to have moderate to significant rate increases in Q3Year-over-year price level change 2024 WTW.Proprietary and confidential.For WTW and WTW clie

3、nt use only.0%1%2%3%4%5%6%7%8%9%2022-22022-32022-42023-12023-22023-32023-42024-12024-22024-Loss ratios continue to develop favorably in 2024(1.8%)(1.9%)-5.0%-4.0%-3.0%-2.0%-1.0%0.0%1.0%2022-20232023-2024Change in earned loss ratiosSource:2024 Q2 CLIPS.2024 WTW.Proprietary and confidential.For WTW an

4、d WTW client use CLIPS is WTWs U.S.commercial lines pricing and profitability survey Information comes directly from carriers Data-based Free Confidential Only participants receive the detailed survey results 2024 WTW.Proprietary and confidential.For WTW and WTW client use only.In this context,relia

5、ble information on how your company compares to the marketplace is CLIPS gives participants more and better historical information on pricing and profitability We collect information from participating companies each quarter Estimated price changes by quarter for the last two yearsYear-over-year per

6、centage changesIncluding the effects of coverage changes as well as ratesIncluding new business if available Estimated increases in loss costs by year for the last two years We deliver customized summary results back to the participants 2024 WTW.Proprietary and confidential.For WTW and WTW client us