Determinants on Underwriting Profitability in the Property and Liability Insurance Industry

Lal C. Chugh, Joseph W. Meador and Sangit Charrerjee

Journal of Insurance Issues, 1987, vol. 10, issue 2, 1-15

Abstract: This paper investigates the determinants of underwriting profitability in the property and liability insurance industry. Some P/L groups have produced high underwriting gains during severe underwriting and interest cycle of 1978-1982. The predictors of high performance in underwriting results are found to be high degree of market focus and high concentration in personal over commercial lines of business. Growth per se does not contribute to high performance. Rather, cost effectiveness relative to competition and careful selection of risks, particularly in liability lines, will enhance the underwriting profitability.

Date: 1987
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