Research series

Progressive and commercial auto: A surgical approach

The insurer’s new UBI offering is set to support further pricing segmentation and growth.

Gianluca Casapietra, January 06, 2021

InsurTech insider-friendly governance: A ticking time bomb?

The governance practices at Lemonade, Root and Metromile are distinctly “management-friendly” and bear some resemblance to tech disruptors outside the industry.

Dan Lukpanov, January 05, 2021

Microsoft Word - 2020.12.21 Progressive November

Progressive’s November results show continued frequency benefits

While PIF growth continues to excel in its direct personal auto channel, growth now appears to be trending downwards.

Gianluca Casapietra, December 21, 2020

AJ Gallagher confirms a creeping sense of optimism

The broker's investor day included an encouraging 2021 growth outlook and signs of more recurring margin benefits.

Dan Lukpanov, December 17, 2020

November CPI: Auto price inflation remains at historic lows

Current levels of premium inflation are well below any metrics seen going back as far as January 1999.

Gianluca Casapietra, December 15, 2020

P&C – An unloved sector

Price-to-earnings multiples suggest that the P&C stocks are currently the most undervalued they have been since 2012.

Dan Lukpanov, December 14, 2020

The Covid unwind: Five key questions

Inside P&C takes a look at whether dynamics created by the pandemic will immediately reverse post-vaccine.

Adam McNestrie, December 10, 2020

Root’s new insurance 'cycle'

After the high of a “successful” IPO, Root has quickly been introduced to the less fun sides of being a public company.

Gavin Davis, December 09, 2020

Auto frequency benefits swing back to June levels

Real-time data show an estimated decline in accidents of 26% as Covid-19 cases surged.

December 08, 2020

P&C stocks underperform in November’s equity buying binge

In November, equity markets roared higher on the good news from the trifecta of vaccine developers Pfizer, Moderna and AstraZeneca.

Insurance Insider US Research, December 07, 2020

Metromile and the Field of Dreams strategy (Part 2/2)

Metromile: In part two of our series on Metromile, our research team presents a deep dive into the company’s growth model – outlining what’s gone wrong, what the company is doing to fix it, and what the consequences of these actions are likely to be – both intended and unintended.

Insurance Insider US Research, December 04, 2020

Metromile: Stop me if you’ve heard this one before (Part 1/2)

Part One of a deep dive by our research team into Metromile’s business model.

Insurance Insider US Research, December 03, 2020