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Diving into individual lines, per an article in Carrier Management, AM Best’s recent financial report of P&C insurance shows that the overall underwriting result was the worst in a decade.

The combined ratio for the largest line—personal auto—actually improved more than 2 points, to 109.5 in 2023.

But that’s still losing 10 cents on the dollar.

Given the rising rate environment, inflationary costs are expected to continue making playing catch-up difficult.

But VERVE continues to succeed, because of our unique roadmap.

Our scalable technology and distribution platform allows us to:

• Source and mine internal and external data sets from the auto insurance industry.
• Apply predictive analytics to that data.
• Use those analytics to find profitable niches within the $316 billion private passenger auto insurance market.
• Produce underwriting profits that outperform the industry.
• Provide outsized returns to our insurance and reinsurance partners.

If you want to learn more about VERVE, and are looking for a profitable partner, reach out to me at

Read the full article from Carrier Management here:

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