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Henry Meiners
Associate
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Published by this author:
Research
Broker stocks fall from five-year highs and multiples compress as the cycle turns
Investors recalibrate their expectations for the segment as the soft market approaches.
Noah Marchese
,
December 09, 2025
Fronting in depth
Fronting Part III: Will history repeat itself?
Highly concentrated, overly leveraged fronts could repeat the Unicover-Reliance story.
Amit Kumar
,
December 08, 2025
Research
9M commercial lines data: Taking one step forward and two steps back
A favorable nine months for the industry does not solve its underlying problems.
Amit Kumar
,
December 02, 2025
Research
Best P&C industry results for nine months mask divergent trends
Loss ratios in troubled casualty lines ticked down year-over-year despite worsening loss costs.
Amit Kumar
,
November 25, 2025
Cat heatmap
October cat heatmap: Cat losses light as we approach year-end
Light cat losses at year-end portend capital deployment and return decisions in 2026.
Noah Marchese
,
November 24, 2025
Research
9M reserve releases outpace 2024 despite worsening loss costs
Sizable reserve releases offsetting casualty reserve charges cannot last forever.
Noah Marchese
,
November 21, 2025
CIAB commercial lines rate analysis
CIAB Q3: Rates continue to moderate as the soft market approaches
Softening rates amid worsening loss costs paints an uncertain future for the industry.
Noah Marchese
,
November 18, 2025
Research
Commercial auto strikes back
Kemper and Selective’s woes stem partly from own issues, but industry-level issues persist.
Amit Kumar
,
November 14, 2025
Broker recap
Brokers Q3: The long war for growth ensues
Success in the soft market will be had when careful preparation meets opportunity.
Noah Marchese
,
November 04, 2025
Stock check-in
October stock check-in: P&C gets left behind in Q3 earnings
Fears of the oncoming soft market are causing a sector rotation away from P&C.
Henry Meiners
,
November 03, 2025
Research
Everest’s re-pivot strategy cements its place in the penalty box
A re-focus on reinsurance nearly brings Everest back where it started.
Amit Kumar
,
October 30, 2025
Research
Specialty in Q3: We have entered the transitional phase
Normalized growth and peak multiples confirm we are headed towards a Darwinian race.
Amit Kumar
,
October 27, 2025
Cat heatmap
September cat heatmap: Light at the end of the hurricane season tunnel
Cat losses in Q3 were light as peak hurricane season passes without incident.
Noah Marchese
,
October 22, 2025
Early read
Q3 early read: Soft market monster gets closer
Early Q3 earnings reports point to worsening market conditions.
Amit Kumar
,
October 20, 2025
Fronting in depth
Fronting Part II: Writing a lot of business doesn’t make it good business
Fronting doesn’t look any better when it’s broken down by segment.
Amit Kumar
,
October 14, 2025
Earnings preview
Q3 earnings preview: All quiet on the property-cat front
Lighter cat losses a plus, while top-line, organic growth and reserving concerns persist.
Noah Marchese
,
October 10, 2025
Opinion
Our 10 takeaways from the industry’s Davos – Part II
E&S is most exposed to growth normalization, private credit is hunting P&C and fronting is deadlocked on exits.
Adam McNestrie
,
October 09, 2025
Brokers
Our 10 takeaways from the industry’s Davos – Part I
Insurers are pleased, brokers are looking for trade-offs, and everyone’s talking about Howden.
Adam McNestrie
,
October 08, 2025
Research
How will reinsurers deploy excess capital after a quiet hurricane season?
Expansion into adjacent markets, capital return and M&A among top means of capital deployment.
Noah Marchese
,
October 06, 2025
Stock check-in
September stock check-in: Best and worst performers as we head to earnings
Industry stocks were firmly behind the S&P 500 in Q3.
Henry Meiners
,
October 02, 2025
Research
September FOMC Meeting: What do lower interest rates mean for insurers?
Lower rates mean lower investment incomes and higher book values for insurers.
Henry Meiners
,
September 26, 2025
Cat heatmap
August cat heatmap: Mother Nature’s last head-fake?
Cat losses in August were below historical trends, but we are not in the clear just yet.
Noah Marchese
,
September 22, 2025
Interest rates may go down, but inflation rates continue to go up
While the Fed is more concerned with jobs, other macroeconomic concerns trouble the industry.
Henry Meiners
,
September 16, 2025
Fronting in depth
Fronting Part I: Loss ratios show massive underperformance
Reinsurers will not back business indefinitely where loss ratios continue to exceed the industry by a wide margin.
Amit Kumar
,
September 15, 2025
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