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what really makes this a more attractive opportunity for you when you look at this market.
maybe you can give us a little more color and detail on Southern Florida versus Northern Florida, West versus East.
I saw that the other liability claims made line grew quite nicely in the quarter. Can you talk about what drove that?
Can you break them out for us for insurance and reinsurance and then maybe what the associated premiums are as well earned premiums?
Is it that the margin on new casualty and specialty business in insurance is so much better that it's still more economic to keep it than to see that lower pricing.
how you rank the appetite and track of new business between the three segments in terms of capital deployment?
the divestiture activity has been a little bit larger than normal the last few quarters
the M&A being maybe at 80% of normal capacity. How much of a boost is that to margin in brokerage?
The AssuredPartners estimates, I see revenues down a little bit again and margins up a tad more than that
That's on the frequency side. And what about the severity side?
Do you expect gasoline prices and supply chain disruptions related to the closure to impact frequency and/or severity
Why was the expense ratio up year-over-year? And would you still expect improvement for the full year
does slide 11 include the decrease in the legacy insurance and Encompass policies?
is a two or even three-year look back to determine excess profitability too short of a time period?
is there a way that you can maybe offer us some color as to how concentrated those contingents are
wouldn’t the need or the, the opportunity to replace some of these individuals ultimately lead to an extraordinary
maybe AI creates an opportunity for the insurers to take some of that value back. How do you think about that?
I'd just like to see if there's a steady-state organic level that you'd expect from the Specialty Distribution segment
what offset drivers do you have that would still get the segment back up to positive organic growth in '26?
I do want to go back to something I asked last quarter with regards to North America commercial premium growth
at what point would you think that the industry inflects back to flat or even property rate -- property cat rates increasing
can you size the earned premium base associated with the loan loss provision
Is there a risk that The Hartford negotiating power with intermediaries in small commercial would diminish if larger brokers are able to use AI to move down market
do you expect that to continue now with the Strait of Hormuz situation? And on the one hand, maybe you have better frequency coming out of lower gasoline prices
wanna get your initial thoughts on Winter Storm Fern and the potential impact to the industry and then The Hartford Financial Services Group, Inc. specifically
Do you think that with larger weighting to the small account space, Hartford could actually be a net winner here
does that include reimbursements to customers on the civil side
Can you compare the returns in the RILA book versus the FA book as they are today
it could also mean that we see more of a shift of small commercial to larger brokers with more data and analytics capabilities, maybe greater negotiating power
It seems like renewal pricing change is below loss trend for the first time in a while, at least based on the last long-term loss trend that the company provided
Can you maybe talk about how, if at all, they would impact the company's appetite for Home and Property business
is your appetite for Auto taking into account the potential for tariffs? Or is that something that you'll react
Is that because you see competition flattening out here? Or are you seeing greater appetite emerging for the company itself
Can you talk about retention rates that you're seeing for your own workforce on the one hand and then maybe also touch on new hires?
I think that would suggest that the lion's share of January free cash flow in 2026 will be deployed towards buybacks. And I'm just curious as to your thoughts on M&A