保险如何应对日益增多的次生灾害.pdf

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1、May 6,2025How Does Insurance Respond to Secondary Perils?Society of Insurance ResearchSridhar Manyem Senior Director,AM BestOur Insight,Your AdvantageA Perfect Storm 2Property InsurersElevated Cat LossesSecondary PerilsReinsurance Pricing IncreasesRegulatory HurdlesReinsurance Retentions/Co-Particip

2、ationInflation&Rising Property ValuesOur Insight,Your AdvantagePerformance Challenges 302040608010012020142015201620172018201920202021202220232024Ratio(%)US Homeowners-Calendar Year Combined RatiosNet Loss&LAE RatioUnderwriting Expense Ratio10-Year Average Combined Ratio92.491.993.299.9107.2104.098.

3、6107.4103.8104.5110.9Our Insight,Your AdvantageElevated Large Loss Events 40510152025302003200420052006200720082009201020112012201320142015201620172018201920202021202220232024#of EventsOur Insight,Your Advantage2024 U.S.Storm Report Frequency of Severe Events Source:AON 2025 Climate and Catastrophe

4、Insight5Top 10 Costliest Severe Convective Storm Events:Insured Loss(1900-2024)Insured Loss Insured Loss DateEventLocation(Nominal$billion)(2024$billion)August 2020Midwest DerechoUnited States9.211.0April 20112011 Super OutbreakUnited States7.611.0May 2011Joplin/SCSUnited States7.09.8May 2003United

5、States SCSUnited States3.35.7May 2024SCS OutbreakUnited Stats5.25.2July 2013Storm AndreasEurope3.85.1March 2023United States SCSUnited States4.95.1March 2024Central U.S.SCS Outbreak United States4.84.8March-April 2023Tornado OutbreakUnited States,Canada4.34.5May 2019United States SCSUnited States3.7

6、4.5Our Insight,Your Advantage0123456Year over Year%ChangeConstruction WorkersAll Private Industry WorkersInflationary Pressures Materials&Wages6IndexEmployment Cost Index:Wage Growth100150200250300350400Producer Price Index:MaterialsCementLumberOur Insight,Your AdvantageSignificant Increase in Reins