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1、Surveying commercial insurance2024 Q4 UpdatePricing and profitability 2025 WTW.Proprietary and confidential.For WTW and WTW client use 1Now more than ever,price monitoring is key 2025 WTW.Proprietary and confidential.For WTW and WTW client use only.How are prices affected by changes in investment in

2、come?What is really happening to underwriting results?How does pricing compare to industry?How are loss costs changing?Most of the lines continued to have moderate to significant rate increases in Q4Year-over-year price level change 2025 WTW.Proprietary and confidential.For WTW and WTW client use on

3、ly.0%1%2%3%4%5%6%7%8%9%2022-22022-32022-42023-12023-22023-32023-42024-12024-22024-32024-Loss ratios continue to develop favorably in 2024(1.9%)(2.8%)-5.0%-4.0%-3.0%-2.0%-1.0%0.0%1.0%2022-20232023-2024 2025 WTW.Proprietary and confidential.For WTW and WTW client use only.3Change in earned loss ratios

4、Source:2024 Q4 CLIPSIn this context,reliable information on how your company compares to the marketplace is crucial4 2025 WTW.Proprietary and confidential.For WTW and WTW client use only.CLIPS is WTWs U.S.commercial lines pricing and profitability surveyInformation comes directly from carriersData-b

5、asedFreeConfidentialOnly participants receive the detailed survey 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 perc

6、entage 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 2025 WTW.Proprietary and confidential.For WTW and WTW client use

7、 only.Submitted data are reviewed for reasonableness and consistency but not auditedApril 1April 30June 10July 1Survey call distributedSurvey submission deadlineSurvey results CLIPS information is collected and reported at line of business and account size level 2025 WTW.Proprietary and confidential

8、.For WTW and WTW client use only.Small commercial*Middle market commercialLarge account commercialSpecialty commercial linesWorkers compensationAuto liabilityAuto physical damagePackage CMP/BOPCommercial propertyGeneral/products liabilityExcess/umbrella liabilityWorkers compensationFirst dollarLDD a

9、nd excessAuto liabilityAuto physical damagePackage CMP/BOPCommercial propertyCyberGeneral/products liabilityExcess/umbrella liabilityWorkers compensationFirst dollarLDD and excessCommercial autoFirst dollarLDD and excessCommercial propertyCyberGeneral/products liabilityExcess/umbrella liabilityProfe

10、ssional liabilityMedicalLawyersArchitects and engineersOtherDirectors and officers liabilityEmployment practices liabilitySurety bondsContractOInvestment analysts use CLIPS to take the pulse of the industry7 2025 WTW.Proprietary and confidential.For WTW and WTW client use only.“WTWs survey takes the

11、 commercial lines writers view(what they have done with pricing and how that impacts profitability).We think the WTW survey will be a better benchmark for investors(and management).”Insurance industry investment analyst,quoting CLIPS results shortly after Current participants and their shareholders

12、benefit from insights from CLIPS8 2025 WTW.Proprietary and confidential.For WTW and WTW client use only.“We continue to focus on balancing price and retention in this competitive market.Of the various commercial lines industry pricing surveys,we favor the WTW CLIPS survey because of its data collect

13、ion methodology.”Participating company CFO,Quarterly Earnings Conference C9How to find out more 2025 WTW.Proprietary and confidential.For WTW and WTW client use only.Alejandra Nolibos FCAS,MAAAManaging directorMiamiPhone:786 552 1130E-mail:Yi Jing FCAS,MAAASenior directorHartfordPhone:860 843 7159E-mail:Visit:Thank you 2025 WTW.Proprietary and confidential.For WTW and WTW client use only.10