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Property-Casualty insurer expense analysis

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<titleInfo>
<title>Property-Casualty insurer expense analysis</title>
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<name type="personal" usage="primary" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20100042618">
<namePart>Auden, James B.</namePart>
<nameIdentifier>MAPA20100042618</nameIdentifier>
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<name type="personal" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20100042625">
<namePart>Grimes, Christopher A.</namePart>
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<namePart>Fitch Ratings</namePart>
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<place>
<placeTerm type="code" authority="marccountry">usa</placeTerm>
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<issuance>monographic</issuance>
<place>
<placeTerm type="text">New York</placeTerm>
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<publisher>Fitch Ratings</publisher>
<dateIssued>2010</dateIssued>
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<languageTerm type="code" authority="iso639-2b">eng</languageTerm>
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<abstract displayLabel="Summary">Expense management has taken on greater importance for insurers as economic conditions and shrinking premium bases challenge top line growth.  This has fostered a steady increase in the underwriting expense ratio to 28% for full-year 2009, compared with a hard market low of 25% in 2003. This report examines changes in industry underwriting expenses for property/casualty insurers over time and expense differences by business segment. The analysis also compares expense ratio differences for major industry participants</abstract>
<note type="statement of responsibility">James B. Auden, Christopher A. Grimes</note>
<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080624934">
<topic>Seguro de daños patrimoniales</topic>
</subject>
<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080582180">
<topic>Ratios de gestión</topic>
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<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080586294">
<topic>Mercado de seguros</topic>
</subject>
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<topic>Empresas de seguros</topic>
</subject>
<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080638337">
<geographic>Estados Unidos</geographic>
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<classification authority="">32</classification>
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<recordCreationDate encoding="marc">101119</recordCreationDate>
<recordChangeDate encoding="iso8601">20101119124335.0</recordChangeDate>
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