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To what extent are you looking at managing the OpEx side of things as a potential source of boosting margins?
how should we interpret that loss ratio result this quarter in mind?
how much of that is, I don't know, you guys proactively walking away or a decline in exposure as opposed to rate
are there pockets you point out that are kind of particularly challenging to underwrite in this type of market where you really got to kind of cross your Ts and dot your Is?
Doug, I'll put you on the spot a little bit here. Was five-eight helpful? A little bit confusing. Can you just give us an over-under in 2026 EBITDA margins
it was when the last hard market was kind of in this situation, and you guys were doing 1% organic. And like what I'd say, Pat, is like you sounded like on those transcripts the same way you do now
There's been a couple of quarters here, though, where we've had an investor preview, and then you've fallen a little bit light. I'm a little worried you are over worked
would you actually prefer the GDP growth to be coming from more traditional means such as growth in employment
the acquisition and expense ratio in North America commercial. It's kind of an upticking, I think, because of mix in middle market
North America E&S, I'm guessing that's Westchester, still up 7% this quarter. You talked about a transitioning market
on the commercial side globally, in what ways are you seeing the macro impact your business, if at all
is there any rough rule of thumb on how we -- how you guys are thinking about growth there
I wanted to go back to the attritional loss ratio in Global Specialty, the 58.9%
should we be thinking about any drawdown of that excess as more of a '27, '28 event? Or could that potentially be
I'm just wondering how you're thinking about the ROE profile of this company
why do the renewal rights deal rather than pursue sale opportunities?
case value sort of looks like any type of underlying combined ratio pressure we had in Business Insurance this quarter was in middle markets
in group disability, sound like there's some paid family comp stuff. But I'm just curious if any new trends worth pointing out there
it sounds like it's become a more insurable market. So I guess my concern would be, just like any state where you have meaningful amounts of tort reform kind of creates a lever for competition to c...
Just curious how you guys are thinking about overall rate adequacy in national property headed into 2026.
Just curious how much of that one-point deceleration is attributable to rate versus exposure?
I'm just curious if those attritional losses have run better or worse or in line with your expectations so far
should we think about that as having any type of formal impact on the combined expense ratio
First question just on the investment fund returns, bit a bit mix. Just curious, maybe you could go into a little bit more detail there.
just low single-digit growth in other liability. Less than I expect. I'm just curious, are you starting to see more competition
Can you give us some idea of geographically, how the U.S. fits in there versus International?