Bibliography - Property/Casualty Insurance - National Association of ...
Bibliography - Property/Casualty Insurance - National Association of ...
Bibliography - Property/Casualty Insurance - National Association of ...
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Subject Files:<br />
Bibliographies on <strong>Insurance</strong> Topics<br />
Last Updated 6/4/2012<br />
NAIC publications are available from the NAIC Store.<br />
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PROPERTY/CASUALTY INSURANCE<br />
NAIC Publications<br />
Product Filing Review Handbook, NAIC, 2010<br />
Market Share Reports for Top 25 <strong>Property</strong>/<strong>Casualty</strong> Insurers Over 25 Years, NAIC, 2010<br />
Long Term <strong>Property</strong> <strong>Insurance</strong>, Dwight Jaffee, Howard Kunreuther, Erwann Michel-Kerjan,<br />
Journal Of <strong>Insurance</strong> Regulation, 2010 Issue<br />
Stock Based Executive Compensation and Reserve Errors in the property and <strong>Casualty</strong> <strong>Insurance</strong><br />
Industry, Mark J. Browne, Yu Luen Ma & Ping Wang, Journal Of <strong>Insurance</strong> Regulation,<br />
Summer, 2009<br />
A Review <strong>of</strong> the Development <strong>of</strong> Residual Market Mechanisms in Florida, Cassandra R. Cole,<br />
David Macpherson, Patrick Maroney, Kathleen A. McCullough, James W. Newman Jr. &<br />
Charles M. Nyce, Journal Of <strong>Insurance</strong> Regulation, Summer, 2009<br />
The Relationship Between Executive’s Option based Compensation and Risk Taking in the<br />
<strong>Property</strong>/Liability <strong>Insurance</strong> Industry: A Simultaneous Equation Approach, Min Ming Wen &<br />
Carl R. Chen, Journal Of <strong>Insurance</strong> Regulation, Spring 2008<br />
Commercial Lines Re-engineering, Compendium <strong>of</strong> State Laws on <strong>Insurance</strong> Topics, NAIC<br />
CHART<br />
Credit Report Use, Compendium <strong>of</strong> State Laws on <strong>Insurance</strong> Topics, NAIC CHART<br />
Discrimination in P/C <strong>Insurance</strong>, Compendium <strong>of</strong> State Laws on <strong>Insurance</strong> Topics, NAIC<br />
CHART<br />
Guaranty Fund Coverage, Compendium <strong>of</strong> State Laws on <strong>Insurance</strong> Topics, NAIC CHART<br />
Guaranty Funds - Triggering Provisions, Compendium <strong>of</strong> State Laws on <strong>Insurance</strong> Topics, NAIC<br />
CHART<br />
Rate Filing Methods, Compendium <strong>of</strong> State Laws on <strong>Insurance</strong> Topics, NAIC CHART<br />
Readability Requirements Compendium <strong>of</strong> State Laws on <strong>Insurance</strong> Topics, NAIC CHART
Redlining, Compendium <strong>of</strong> State Laws on <strong>Insurance</strong> Topics, NAIC CHART<br />
All Perils <strong>Insurance</strong> Coverage, Testimony by Sandy Praeger, Kansas Department <strong>of</strong> <strong>Insurance</strong><br />
Commissioner, before the Subcommittee on Housing and Community Opportunity, 07/17/07<br />
The Availability <strong>of</strong> <strong>Property</strong> and <strong>Casualty</strong> <strong>Insurance</strong> in Coastal Areas, Testimony by Walter A.<br />
Bell, <strong>Insurance</strong> Commissioners, AL, before the Senate Committee on Banking , Housing and<br />
Urban Affairs, 04/11/07<br />
Oversight <strong>of</strong> the <strong>Property</strong> and <strong>Casualty</strong> <strong>Insurance</strong> Industry, testimony by Julie Benafield<br />
Bowman, Commissioner <strong>of</strong> <strong>Insurance</strong> AR, before the Senate Committee On Commerce, Science<br />
& Transportation, 4/11/07<br />
The Renters <strong>Insurance</strong> Debate, Neal Kounkel, NAIC Research Quarterly, Spring, 2005<br />
Competition Database Report, (aka Commercial Lines Competition Database Report) NAIC,<br />
2003 to present<br />
2002 <strong>Property</strong> & <strong>Casualty</strong> and Life <strong>Insurance</strong> Results, NAIC Staff, NAIC Research Quarterly,<br />
Spring 2004<br />
2001 <strong>Property</strong> and <strong>Casualty</strong> <strong>Insurance</strong> Results, NAIC Staff, NAIC Research Quarterly, Spring<br />
2003<br />
Did Regulation Change Competitiveness in <strong>Property</strong> Liability <strong>Insurance</strong>? Evidence from<br />
Underwriting Pr<strong>of</strong>it and Investment Income, Chao Chun Leng, Michael R. Powers & Emilio C.<br />
Venezian, Journal <strong>of</strong> <strong>Insurance</strong> Regulation, Winter, 2002<br />
Heated Opinions: Proposed changes to the instructions for the p/c statement <strong>of</strong> actuarial opinion,<br />
Laura Deatrick, NAIC Research Quarterly,, Summer 2002<br />
Report on Pr<strong>of</strong>itability By Line an By State 2000, Jim Bugenhagen, Summer 2002, NAIC<br />
Research Quarterly,<br />
Insurers’ Long Term Mortgage Loans and Real Estate Investments in 2000, NAIC Research<br />
Quarterly, Spring 2002<br />
Quick Statistics Summary: <strong>Property</strong>/casualty insurance, Jim Bugenhagen, NAIC Research<br />
Quarterly, Spring 2002<br />
Monitoring the Commercial Lines Marketplace: The quest for market activity information,<br />
Natalai Webster Hughes NAIC Research Quarterly, Spring, 2002<br />
Quick Statistics Summary: <strong>Property</strong>/<strong>Casualty</strong> <strong>Insurance</strong>, Jim Bugenhagen, NAIC Research<br />
Quarterly, Spring, 2002<br />
1999 Market Share Reports for <strong>Property</strong>/<strong>Casualty</strong> <strong>Insurance</strong> Groups and Companies, NAIC<br />
Staff, NAIC Research Quarterly, Summer, 2001
1999 Quick Statistics Summary, Jim Bugenhagen, NAIC Research Quarterly, Summer, 2001<br />
Quick Statistics Summary, Jim Bugenhagen, NAIC Research Quarterly, Spring, 2001<br />
1996 Dwelling Fire, Homeowners Owner Occupied, and Homeowners Tenant and<br />
Condominium/Cooperative Unit Owners <strong>Insurance</strong>, Natalai Webster Hughes, NAIC Research<br />
Quarterly, July, 1999<br />
Aggregate Propeerty/<strong>Casualty</strong> Loss Ratio Data by Line <strong>of</strong> Business, Teresa Walker, NAIC<br />
Research Quarterly, July, 1999<br />
The NAIC Report on Pr<strong>of</strong>itabilty: Considering an alternative calculation methodology, NAIC<br />
Staff, NAIC Research Quarterly, April, 1999<br />
Highlights from the 1997 Statistical Compilations for P/C and L/H Companies, NAIC Research<br />
Quarterly, January, 1999<br />
Accounting Practices & Procedures Manual, NAIC, (replaces following entry) 1999 – to present<br />
Financial Analysis Handbook, P& C, NAIC, 1998-2006<br />
White Paper on Regulatory Reengineering <strong>of</strong> the Commercial Lines <strong>Insurance</strong>: Streamlining <strong>of</strong><br />
commercial lines insurance regulation, NAIC, 1998<br />
Aggregate Loss Ratios By Line By State, 1997, NAIC Staff, NAIC Research Quarterly, April,<br />
1998<br />
NAIC White Paper on Regulatory Reengineering Initiatives Related to Commercial Lines <strong>of</strong><br />
<strong>Insurance</strong>, NAIC, 1997<br />
Median Combined Ratios by Line by State, NAIC Staff, NAIC Research Quarterly, October,<br />
1997<br />
Preface to Regulation and the <strong>Casualty</strong> Actuary, David G. Hartman, Journal <strong>of</strong> <strong>Insurance</strong><br />
Regulation, Summer, 1997<br />
<strong>National</strong>ly Significant P&C Companies, Steve Lamberty, NAIC Research Quarterly, April 1997<br />
<strong>National</strong>ly Significant P & C Companies, Steve Lamberty, NAIC Research Quarterly, April,<br />
1997<br />
<strong>Insurance</strong> Industry Statistical Reports, Natalie G. Webster, NAIC Research Quarterly, January,<br />
1997<br />
Quarterly Results for the <strong>Property</strong> <strong>Casualty</strong> Industry, 1995-1996, NAIC Staff, NAIC Research<br />
Quarterly, January, 1997<br />
<strong>Property</strong>/<strong>Casualty</strong> Industry Financial Results, NAIC Research Quarterly, Winter, 1996 – 2005
State Disaster Response Plan, NAIC, 1996<br />
Improving Urban <strong>Insurance</strong> Markets: A handbook on available options, NAIC, June 4, 1996<br />
S<strong>of</strong>t Markets and Financial Stability, Les Hatley, NAIC Research Quarterly, January 1996<br />
<strong>Property</strong> & <strong>Casualty</strong> RBC Industry Results, NAIC Research Quarterly, January, 1996; April,<br />
1997; April, 1998; October, 1999; Winter, 2000 -Winter, 2005; NAIC Research Department<br />
Website, 2006 – to date<br />
<strong>Property</strong> <strong>Insurance</strong> Discrimination: The next federal civil rights enforcement frontier, Robert J.<br />
Sullivan & Andrew L. Sandler, Journal <strong>of</strong> <strong>Insurance</strong> Regulation, Summer, 1995<br />
Economies <strong>of</strong> Scale in <strong>Property</strong> <strong>Casualty</strong> <strong>Insurance</strong>, Mike Barth, NAIC Research Quarterly,<br />
April, 1995<br />
Annual Statement Blank: <strong>Property</strong> & <strong>Casualty</strong>, NAIC, 1994 – to present<br />
Annual Statement Diskette Filing Specifications: <strong>Property</strong> & <strong>Casualty</strong>, NAIC, 1994 & 1997<br />
A Preliminary Analysis <strong>of</strong> Urban <strong>Insurance</strong> Markets, Robert W. Klein, NAIC, 1994<br />
A Review <strong>of</strong> Possible Measures to Address Urban <strong>Insurance</strong> Problems, Robert W. Klein, NAIC,<br />
1994<br />
Urban <strong>Insurance</strong> Papers, Robert W. Klein, NAIC, 1994<br />
Duration Gap as a Measure <strong>of</strong> <strong>Property</strong> <strong>Casualty</strong> Insurer Interest Rate Risk, Arthur M. B. Hogan,<br />
Journal <strong>of</strong> <strong>Insurance</strong> Regulation, Fall, 1994<br />
Market Failure in <strong>Property</strong> <strong>Insurance</strong> Markets, The case for joint region federal disaster<br />
insurance program, William J. Warfel, Journal <strong>of</strong> <strong>Insurance</strong> Regulation Summer, 1994<br />
Symposium on Financing Catastrophic Losses in the <strong>Property</strong> and <strong>Casualty</strong> <strong>Insurance</strong> Industry,<br />
An introduction, David J. Brummond, Journal <strong>of</strong> <strong>Insurance</strong> Regulation Summer, 1994<br />
An Analysis <strong>of</strong> State Guaranty Fund Assessments for <strong>Property</strong> <strong>Casualty</strong> Insurers from 1979-90,<br />
Daniel T. Winkler, Georg B Flanigan, & Joseph E. Johnson, Journal <strong>of</strong> <strong>Insurance</strong> Regulation<br />
Spring, 1994<br />
Market Share Reports for <strong>Property</strong>/<strong>Casualty</strong> <strong>Insurance</strong> Groups and Companies, Top 10 By Line,<br />
Top 125 by Line Countrywide, NAIC, 1993 - to present<br />
The Geographic Distribution <strong>of</strong> Losses From Insolvent <strong>Property</strong> <strong>Casualty</strong> Insurers, Richard L.<br />
Meyer, Fred B Power, & Warrant Shows, Journal <strong>of</strong> <strong>Insurance</strong> Regulation, Spring, 1993<br />
Excess Returns and the Underwriting Cycle in the <strong>Property</strong>/Liability <strong>Insurance</strong> Market, Mark J<br />
Browne & Robert E. Hoyt, Journal Of <strong>Insurance</strong> Regulation, Fall, 1992
Sample Loss Cost Bulletin, memo to all <strong>Property</strong>-<strong>Casualty</strong> <strong>Insurance</strong> Companies regarding<br />
Prospective Loss Cost Filing Procedures, NAIC, June, 1992<br />
In Search <strong>of</strong> Candidate Predictor Variables: Financial Statement Analysis in the<br />
<strong>Property</strong>/<strong>Casualty</strong> <strong>Insurance</strong> Industry, Michael Willenborg, Journal <strong>of</strong> <strong>Insurance</strong> Regulation,<br />
Spring, 1992<br />
Why the Draft Rate Regulatory Bill Should be held for Repairs, Statement <strong>of</strong> J. Robert Hunter,<br />
President, <strong>National</strong> <strong>Insurance</strong> Consumer Organization before the Loss Cost Implementation<br />
Group <strong>of</strong> the Commercial Lines <strong>Property</strong> & <strong>Casualty</strong> <strong>Insurance</strong> (D) Committee, Spring Zone<br />
Meeting, <strong>of</strong> the NAIC, March 30, 1992<br />
Cycles and Crisis in <strong>Property</strong> <strong>Casualty</strong> <strong>Insurance</strong> Causes and Implications for Public Policy, J,<br />
Davie Cummings, Scott Herrington, & Robert W. Klein, Journal <strong>of</strong> <strong>Insurance</strong> Regulation, Fall,<br />
1991<br />
Cycles and Crises in <strong>Property</strong>/<strong>Casualty</strong> <strong>Insurance</strong>: Causes and Implications for Public Policy,<br />
Executive Summary, David Cummins, Scott Harrington & Robert Klein, NAIC, 1991<br />
Cycles and Crises in <strong>Property</strong>/<strong>Casualty</strong> <strong>Insurance</strong>: Causes and Implications for Public Policy,<br />
David Cummins, Scott Harrington & Robert Klein, NAIC, 1991<br />
Statistical Compilation <strong>of</strong> Annual Statement Information for <strong>Property</strong>/<strong>Casualty</strong> <strong>Insurance</strong><br />
Companies, NAIC, 1991 to present<br />
<strong>Property</strong>/<strong>Casualty</strong> Rate Regulation, 1990 - 2004, NAIC<br />
A Brief History <strong>of</strong> Underwriting Cycles, Prepared for the <strong>National</strong> <strong>Association</strong> <strong>of</strong> <strong>Insurance</strong><br />
Commissioners, Stewart Economics, Inc, 1990<br />
Long Run Pr<strong>of</strong>itability <strong>of</strong> Fire and Marine <strong>Insurance</strong> Companies: a 100 Year Study <strong>of</strong> Boston<br />
Insurers, Joe H. Murrey, Jr. & J. Van Fenstermaker, Journal <strong>of</strong> <strong>Insurance</strong> Regulation,<br />
December, 1990<br />
Investment Income and <strong>Property</strong>/<strong>Casualty</strong> Pr<strong>of</strong>itability by line <strong>of</strong> <strong>Insurance</strong>: A Test <strong>of</strong> the Texas<br />
Allocations, David F. Eley, Journal <strong>of</strong> <strong>Insurance</strong> Regulation, September, 1990<br />
Commentary, Open Letter to the <strong>Insurance</strong> Industry, Trial Attorneys and Consumers, Journal <strong>of</strong><br />
<strong>Insurance</strong> Regulation, December, 1989<br />
<strong>Insurance</strong> Fact or Fantasy, Harry D. Boyd, Journal <strong>of</strong> <strong>Insurance</strong> Regulation, September, 1989<br />
Financial Guaranty <strong>Insurance</strong>: Florida’s New Law, Mark W. Casteel, Journal <strong>of</strong> <strong>Insurance</strong><br />
Regulation, March, 1989<br />
Testimonies Submitted at NAIC Hearing on Advisory Organizations Activities, NAIC, 1989<br />
<strong>Insurance</strong> Fact or Fantasy, Part II, Harry D. Boyd, Journal <strong>of</strong> <strong>Insurance</strong> Regulation, December,<br />
1988
<strong>Insurance</strong> Fact or Fantasy, Part I, Harry D. Boyd, Journal <strong>of</strong> <strong>Insurance</strong> Regulation, September,<br />
1988<br />
Application on Economic Theories <strong>of</strong> Regulation to the <strong>Property</strong> Liability <strong>Insurance</strong> Industry,<br />
Stephen P. D’Arcy, Journal <strong>of</strong> <strong>Insurance</strong> Regulation, September, 1988<br />
Causal Factors in P/L Insolvency, Dan R. Anderson & Roger A. Formisano, Journal <strong>of</strong><br />
<strong>Insurance</strong> Regulation, June, 1988<br />
Final Report <strong>of</strong> the Special Task Force on <strong>Property</strong> and <strong>Casualty</strong> <strong>Insurance</strong>, Part III, Journal <strong>of</strong><br />
<strong>Insurance</strong> Regulation, June, 1987<br />
Final Report <strong>of</strong> the Special Task Force on <strong>Property</strong> and <strong>Casualty</strong> <strong>Insurance</strong>, Part II Journal <strong>of</strong><br />
<strong>Insurance</strong> Regulation, March, 1987<br />
Section 9B, Group <strong>Property</strong> and <strong>Casualty</strong> <strong>Insurance</strong>: Annotations to the NAIC Model Act, Vance<br />
C. Gudmundsen, Journal <strong>of</strong> <strong>Insurance</strong> Regulation, March, 1987<br />
ISO Claim File Data Analysis, NAIC, 1987<br />
Report <strong>of</strong> the NAIC Commercial Lines P &C(D) Committee, NAIC, 1986<br />
Final Report <strong>of</strong> Wisconsin Special Task Force on <strong>Property</strong> and <strong>Casualty</strong> <strong>Insurance</strong>, Part I,<br />
Journal <strong>of</strong> <strong>Insurance</strong> Regulation, December, 1986<br />
Group <strong>Property</strong> and <strong>Casualty</strong> <strong>Insurance</strong> Annotations to the NAIC Model Act, Vance C.<br />
Gudmundsen, Journal <strong>of</strong> <strong>Insurance</strong> Regulation, December, 1986<br />
P/C Insurer Pr<strong>of</strong>itability: ISO Paid Claims Data, Carole Banfield, Journal <strong>of</strong> <strong>Insurance</strong><br />
Regulation, December, 1986<br />
Liquidations and Reinsurance: Liability <strong>of</strong> Reinsurers When <strong>Property</strong> and <strong>Casualty</strong> Insurers<br />
Become Insolvent, T. Darrington Semple & Robert M. Hall, Journal <strong>of</strong> <strong>Insurance</strong> Regulation,<br />
December, 1986<br />
Role <strong>of</strong> the Predictability <strong>of</strong> Lose Reserves in <strong>Property</strong> and Liability Rate Regulation, Joseph A.<br />
Fields, Journal <strong>of</strong> <strong>Insurance</strong> Regulation, September, 1986<br />
<strong>Property</strong> & <strong>Casualty</strong> Guaranty funds Before 1970: Lessons for the 1980’s, Douglas G. Olson,<br />
Journal <strong>of</strong> <strong>Insurance</strong> Regulation, June, 1986<br />
Issues Associated with the Discounting or <strong>Property</strong>/<strong>Casualty</strong> Loss Reserves, Stephen P. Lowe &<br />
Stephen W. Philbrick, Journal <strong>of</strong> <strong>Insurance</strong> Regulation, June, 1986<br />
Competition and <strong>Property</strong> <strong>Casualty</strong> Regulation: Asking the Right Questions, David Eley,<br />
Journal <strong>of</strong> <strong>Insurance</strong> Regulation, December, 1985<br />
The Perceived Restrictiveness <strong>of</strong> <strong>Property</strong> Liability <strong>Insurance</strong> Rate Regulatory Laws, Stephen P.<br />
D’Arcy, Journal <strong>of</strong> <strong>Insurance</strong> Regulation, March, 1985
Quarterly & Annual Statement Instructions: <strong>Property</strong> & <strong>Casualty</strong>, NAIC, 1984 - to<br />
<strong>Property</strong> and <strong>Casualty</strong> Tax Reform: United States General Accounting Office Perspective,<br />
Natwar M. Gandhi, Journal <strong>of</strong> <strong>Insurance</strong> Regulation, June, 1984<br />
An Appraisal <strong>of</strong> <strong>Property</strong> and <strong>Casualty</strong> Post Assessment Guaranty Funds, Michael P. Duncan,<br />
Journal <strong>of</strong> <strong>Insurance</strong> Regulation, March, 1984<br />
Report <strong>of</strong> the Advisory Committee to the NAIC Task Force on Pr<strong>of</strong>itability & Investment Income,<br />
NAIC, 1983<br />
Investment Income &Pr<strong>of</strong>itability in <strong>Property</strong>/<strong>Casualty</strong> <strong>Insurance</strong> Ratemaking: An independent<br />
report to the <strong>National</strong> <strong>Association</strong> <strong>of</strong> <strong>Insurance</strong> Commissioners Task Force on Pr<strong>of</strong>itability &<br />
Investment Income, John W. Wilson, NAIC, 1983<br />
The Impact <strong>of</strong> Investment Income on <strong>Property</strong> /Liability <strong>Insurance</strong> Underwriting Pr<strong>of</strong>it Margins,<br />
Stephen Paul D’Arcy, Journal <strong>of</strong> <strong>Insurance</strong> Regulation, December, 1983<br />
Comparative Standards <strong>of</strong> International Solvency Regulation <strong>of</strong> <strong>Property</strong> and <strong>Casualty</strong> <strong>Insurance</strong><br />
Companies, Michael Miron, Journal <strong>of</strong> <strong>Insurance</strong> Regulation, March, 1983<br />
The Insuring <strong>of</strong> Nontraditional Mortgage, Kenneth W. Smith, Journal <strong>of</strong> <strong>Insurance</strong> Regulation,,<br />
December, 1982<br />
Final Report <strong>of</strong> the <strong>National</strong> <strong>Association</strong> <strong>of</strong> <strong>Insurance</strong> Commissioners Task Force & Advisory<br />
Committee on Urban Reinvestment, NAIC, 1982<br />
Compilation <strong>of</strong> Reports from the Pr<strong>of</strong>itability & Investment Task Force: 1981-1982, NAIC, 1982<br />
1981 Annual Statements Fire & <strong>Casualty</strong> Insurer General System Design System Specification<br />
Manual, NAIC, 1981<br />
Accounting Practices & Procedures Manual for P & C Companies, NAIC, 1980-1999<br />
Pennsylvania <strong>Insurance</strong> Department, <strong>National</strong> <strong>Association</strong> <strong>of</strong> <strong>Insurance</strong> Commissioners Arson<br />
Task Force <strong>of</strong> the <strong>Property</strong> <strong>Insurance</strong> (D1) Subcommittee, NAIC, 1980<br />
1980 NAIC <strong>Property</strong> & Liability Financial Ratios, NAIC, 1980<br />
Using the NAIC Regulatory Information System: <strong>Property</strong> & Liability edition, NAIC, 1978-2003<br />
Using the NAIC Pr<strong>of</strong>itability Results, NAIC, 1978-1992<br />
Fair Plans: Compilation by state, NAIC, 1978,<br />
Market Share & Pr<strong>of</strong>it Results, <strong>Property</strong> & Liability <strong>Insurance</strong>, NAIC, 1976-1978<br />
Monitoring Competition: A means <strong>of</strong> regulating the property and liability insurance business,<br />
NAIC, 1974
Improving the <strong>Property</strong>/liability Early Warning System, NAIC, 1974<br />
Pr<strong>of</strong>itability By Line By State, NAIC. 1973 - to present<br />
The Fire and <strong>Casualty</strong> <strong>Insurance</strong> Industry, Don Kramer, NAIC, 1972<br />
Compilation <strong>of</strong> Statements Received by A4 re Supplements to the Annual Statement on Adjusting<br />
<strong>Property</strong> & Liability Financial Reporting, NAIC, 1971<br />
The Regulation <strong>of</strong> Mass Marketing in <strong>Property</strong> & Liability <strong>Insurance</strong>, NAIC, August, 1971<br />
Measurement <strong>of</strong> Pr<strong>of</strong>itability and Treatment <strong>of</strong> Investment Income in <strong>Property</strong> & Liability<br />
<strong>Insurance</strong>, NAIC, 1970<br />
Comparison <strong>of</strong> State Fair Plans, NAIC, 1969<br />
Summary <strong>of</strong> Litigation Involving Service and Warranty Contracts, NAIC, 1968<br />
Written Statements on <strong>Property</strong> & Liability <strong>Insurance</strong> Rate Regulation, NAIC, 1968<br />
Hearing before the <strong>National</strong> <strong>Association</strong> <strong>of</strong> <strong>Insurance</strong> Commissioners Committee (A7): In the<br />
matter <strong>of</strong> civil disorders – insurance problems, NAIC, 1967<br />
Second Report <strong>of</strong> the Special Sub Committee <strong>of</strong> the Fire and Marine Committee re Underwriting<br />
Pr<strong>of</strong>it or Loss and the Commissioners 1921 Standard Pr<strong>of</strong>it Formula, NAIC, 1947<br />
Other Publications<br />
Spotlight: Industry Deep Dive: Real Estate, Business <strong>Insurance</strong> 05/28/12<br />
Claims Report: Jewelry eclipses electronic as the top p/c loss category claimed in 9011, Dennis<br />
Gorski, Best’s Review 05/01/12<br />
Birth <strong>of</strong> <strong>Insurance</strong>: Oldest U S Companies, Anya Khalamayzer & Chad Hemenway, <strong>National</strong><br />
Underwriter online, 04/19/12<br />
Spotlight: <strong>Property</strong>/<strong>Casualty</strong> <strong>Insurance</strong> Renewal Report, Business <strong>Insurance</strong>, 01/08/12<br />
For Renters, a little peace <strong>of</strong> mind, Jonathan D. Epstein, The Buffalo News, 12/05/11<br />
Top 200 US <strong>Property</strong> <strong>Casualty</strong> Writers, Leaders Issue, Best’s Review, 07/01/11<br />
Who’s Behind the Wheel? A regulatory shift will give underwriters a new perspective on<br />
commercial hauling, Al Slavin, Best’s Review, 04/01/11
Urban <strong>Insurance</strong> Issues – Investment in low income areas, <strong>Insurance</strong> Issues Updates,<br />
http://www.iii.org/ <strong>Insurance</strong> Information Institute<br />
Spotlight: <strong>Property</strong> <strong>Casualty</strong> <strong>Insurance</strong> Market Report, charts and tables in hard copy only,<br />
Business <strong>Insurance</strong>, 01/10/11<br />
Illinois Department <strong>of</strong> <strong>Insurance</strong> Reminds Famalies to Review <strong>Insurance</strong> Policies: Department<br />
encourages insurance review to ensure proper coverage for winter activities, M2 Presswire,<br />
01/11/11<br />
Dog Bite Claims Exceeded $400 Million in 2009 on Higher Medical Costs, Diana Rosenberg<br />
BestWire, 08/23/10<br />
Motorcycle Crashes, <strong>Insurance</strong> Issues Updates, http://www.iii.org/ <strong>Insurance</strong> Information<br />
Institute<br />
Residual Markets, <strong>Insurance</strong> Issues Updates, http://www.iii.org/ <strong>Insurance</strong> Information Institute<br />
Arson, <strong>Insurance</strong> Issues Updates, http://www.iii.org/ <strong>Insurance</strong> Information Institute<br />
Squeeze Play: Downward pressure on premiums continues in the commercial real estate sector,<br />
Al Slavin, Best’s Review, 05/01/10<br />
Travel <strong>Insurance</strong>: Offers <strong>of</strong> protection may not provide insurance coverage for your travel<br />
investment, PR Newswire, 03/24/10<br />
P&C Rates Fall 4%, But Moderate in ’09, Daniel Hayes, <strong>National</strong> Underwriter online, 01/11/10<br />
Spotlight: <strong>Property</strong>/<strong>Casualty</strong> Market Report & Legislative Roundup, Business <strong>Insurance</strong>,<br />
01/11/10<br />
P&C Industry Braces for Difficult Decade, Robert P. Hartwig, <strong>National</strong> Underwriter online,<br />
01/04/10<br />
Top US Auto <strong>Insurance</strong> Companies: top writers by line, by state, in hard copy only, Best Review,<br />
10/01/09<br />
Writers Spotlight: Marine Market Report, articles, charts and tables in hard copy only Business<br />
<strong>Insurance</strong>, 09/7/09<br />
Spotlight :Midyear Market Report, articles, charts and tables in hard copy only, Business<br />
<strong>Insurance</strong>, 07/06/09<br />
Ahead <strong>of</strong> the Tape: P/C Insurers Try to Remain in the Black, Liam Pleven, The Wall Street<br />
Journal, 04/276/09<br />
Spotlight Report; <strong>Property</strong>/<strong>Casualty</strong> Market Report, Business <strong>Insurance</strong>, 01/12/09
Fitch Predicts Continued P/C Struggles Throughout 2009, Phil Gusman, <strong>National</strong> Underwriter<br />
online, 12/22/08<br />
Conventional Wisdom Underwriting <strong>Insurance</strong> for Trade Shows Presents a Unique Risk<br />
Management Task, Emil Metropoulos, Best’s Review, 08/01/08<br />
The Ripple Effect: The subprime meltdown has impacted the insurance industry, and more<br />
trouble might be lurking, Joy A. Schwartzman & Michael C. Schmits, Best’s Review, 06/01/0<br />
Acquisitions and Investments May Dominate 2008 as <strong>Property</strong>/<strong>Casualty</strong> Underwriting Goes<br />
S<strong>of</strong>t, David Pilla, Best’s <strong>Insurance</strong> News, 04/28/08<br />
<strong>Property</strong> <strong>Casualty</strong> Insurers Pr<strong>of</strong>it Falls, Liam Pleven, The Wall Street Journal, 04/10/08<br />
P C‘s 2007 Cat Loss Put at $6.5B, <strong>National</strong> Underwriter online, 01/14/08<br />
Spotlight Report: <strong>Property</strong> <strong>Casualty</strong> Market Report, Business <strong>Insurance</strong>, 01/14/08<br />
Role Change: An Arizona court clarifies inland marine’s growing influence in builder’s risk,<br />
Jeffrey J. Asperger, Best’s Review, 01/01/08<br />
Land <strong>of</strong> Opportunity: Whether you’re a seasoned agent or just starting out, inland marine’s<br />
impressive growth portends well for your career, Sophia Phillips, Best’s Review, 12/01/07<br />
Sea Monsters: insurers don’t shy away from covering oil tankers up to a quarter mile long, even<br />
as rising oil prices increase the value <strong>of</strong> their cargo, Meg Green, Best’s Review, 12/01/07<br />
20-20 Hindsight, Sam Friedman, <strong>National</strong> Underwriter online, 12/16/07<br />
Legislators Adopt Model law to Strengthen State Guaranty Funds, <strong>Insurance</strong> Journal, 11/21/07<br />
European Targets US Insurers Thanks to Failing Dollar, P/C exes say, Daniel Hays, <strong>National</strong><br />
Underwriter online, 11/09/07<br />
Lean Years Loom for <strong>Property</strong> Insurers, Anika Myers, Orlando Sentinel, 10/08/07<br />
P C Industry Pr<strong>of</strong>its Hit Record, but prices s<strong>of</strong>ten, Mark E. Ruquet, <strong>National</strong> Underwriter online,<br />
09/25/07<br />
<strong>Insurance</strong> Rate Hikes Keep Coming, Beatrice E. Garcia, The Miami Herald, 09/01/07<br />
P C Sector Subprime Exposure Analyzed, Susanne Scalafane, <strong>National</strong> Underwriter online,<br />
08/21/07<br />
Katrina Propels <strong>Insurance</strong> Factor, Anita Lee, The Sun Herald, 08/19/07<br />
Spotlight Report: Midyear Market Report P/C & Health, (listing <strong>of</strong> Largest independent US Risk<br />
Management Consultants plus accompanying pie charts & graphs are only available in the print<br />
edition), Business <strong>Insurance</strong>, 07/02/07
States Residual Market Exposure Hits $650 Billion, Daniel Hays, <strong>National</strong> Underwriter online,<br />
06/08/07<br />
P/C Insurers Post Record Combined Ratio, As net income soars to $64 Billion, Susanne<br />
Sclafane, <strong>National</strong> Underwriter online, 04/23/07<br />
<strong>Insurance</strong> Industry Weathers Storms, Jerry W. Jackson, Orlando Sentinel, 04/19/07<br />
Spotlight Report: Business Continuity/Interruption, Business <strong>Insurance</strong>, 01/22/07<br />
CFA Attacks Insurers For Overcharging, Arthur D. Postal, <strong>National</strong> Underwriter online,<br />
01/08/07<br />
Spotlight Report: <strong>Property</strong> <strong>Casualty</strong> Market Report, Business <strong>Insurance</strong>, 01/08/07<br />
Insurers Accused <strong>of</strong> Overcharging, Matt Brady, <strong>National</strong> Underwriter online, 01/04/07<br />
A Record Year for Insurers Ends with Some Apprehension, David Dankwa, BestWire, 12/13/06<br />
A Safe Journey: How to prepare for the new environment, Steve Cullen, Best’s Review, 12/01/06<br />
A Safe Journey: In the wake <strong>of</strong> Katrina, marine writers are taking steps to re evaluate what,<br />
where and how to insure, Steve Cullen, Best’s Review, 12/01/06<br />
Judge: Insured Can’t Double Dip, Anita Lee, The Biloxi Sun Herald, 11/08/06<br />
Perspectives: Collapsing Housing Market Could Sharpen Washington’s Focus on <strong>Property</strong><br />
<strong>Insurance</strong>, J. J. Lehmann, Best’s <strong>Insurance</strong> News, 09/18/06<br />
House Confronts <strong>Insurance</strong> Crisis, Wes Allison, St. Petersburg Times, 09/14/06<br />
Look for More P/C Mergers, Steve Tuckey, <strong>National</strong> Underwriter online, 05/25/06<br />
Tracking the Numbers: Street Sleuth: <strong>Insurance</strong> firms’ pr<strong>of</strong>itability is solid as the hurricane<br />
season draws near, Liam Pleven, The Wall Street Journal, 05/11/06<br />
Insurers Pr<strong>of</strong>it Despite 2005’s Record Breaking Losses, Eleanor Barrett, Best’s <strong>Insurance</strong> News,<br />
04/06/06<br />
Hurricanes Katrina, Rita and Wilma: impacts on the P/C <strong>Insurance</strong> & Reinsurance Industries,<br />
<strong>Insurance</strong> Issues Updates, http://www.iii.org/ <strong>Insurance</strong> Information Institute<br />
Ripple Effect: Even hundreds <strong>of</strong> miles from the ocean, policyholders will feel the indirect impact<br />
<strong>of</strong> hurricane losses, Gene Meyer, The Kansas City Star, 01/29/06<br />
It Pays To Understand <strong>Casualty</strong> Loss Deductions, Robert Bruss, Chicago Tribune, 01/20/06<br />
Shakeout Foreseen Among Auto, Home Insurers, Diane Levick, The Hartford Courant, 01/10/06
Spotlight Report: <strong>Property</strong> <strong>Casualty</strong> Market Report, Business <strong>Insurance</strong>, 01/09/06<br />
A Matter <strong>of</strong> Survival, Rick Cornejo, Best’s Review, 12/01/05<br />
Insurers to make Record Payment on Losses in 2005, The Wall Street Journal, 11/29/05<br />
Insurers grapple with costs <strong>of</strong> weather-related damage, Associated Press Newswire, 10/27/05<br />
S&P Sees P/C Market Rate Stabilization, NU Online News Service, 10/17/05<br />
Weiss: P/C Pr<strong>of</strong>its Up 28% for '04, Mark E. Ruquet, <strong>National</strong> Underwriter online, August 17,<br />
2005<br />
Spotlight Report: <strong>Property</strong> <strong>Casualty</strong> Market Report, Business <strong>Insurance</strong>, January 10, 2005<br />
On The Road Again: As truck traffic increases, inland marine insurers who cover truck cargo<br />
stand to gain more premiums and higher pr<strong>of</strong>its, Meg Green, Best's Review, December, 2004<br />
On The Road Again: A typical trucking policy, Meg Green, Best's Review, December, 2004<br />
States Roll Out P&C Bills, Reinsurance, September 1, 2004<br />
<strong>Insurance</strong> Lobbyists Measure State Legislative Victories in Increments, Dennis Kelly, BestWire,<br />
August 12, 2004<br />
Building Value: <strong>Insurance</strong> gaps arise as replacement costs surge, Ray A. Smith, The Wall Street<br />
Journal, July 28, 2004<br />
Below The Pr<strong>of</strong>it Line, After 26 years, property/casualty's combined ratio may reach the<br />
pr<strong>of</strong>itable side <strong>of</strong> 100, R. J. Lehmann, Best's Review, July, 2004<br />
2004 Mid Year <strong>Property</strong> <strong>Casualty</strong> <strong>Insurance</strong> Update: Trends & challenges in P/C insurance<br />
business today, Robert P. Hartwig, III, July, 2004<br />
Study Says Insurers Lack Efficiency, Mark Ruquet, <strong>National</strong> Underwriter online, June 25, 2004<br />
Insurers Earnings Becoming Less Volatile, Study Finds, <strong>National</strong> Underwriter online, June 21,<br />
2004<br />
P/C Reserves Shortfalls Worry S&P, <strong>National</strong> Underwriter online, May 11, 2004<br />
Financial and Market Conditions, <strong>Insurance</strong> Issues Updates, www.iii.org <strong>Insurance</strong> Information<br />
Institute<br />
Urban <strong>Insurance</strong> Issues, <strong>Insurance</strong> Issues Updates, www.iii.org <strong>Insurance</strong> Information Institute<br />
Expense Revolution: Is the property casualty industry overdue? Strategic study series, Conning,<br />
& Co, 2004
Improved Underwriting Pushes P/C Industry Net Income to $29.9 Billion, Marie Suszynski,<br />
BestWire, April 15 2004<br />
Some <strong>Insurance</strong> is Costing Less at Us Businesses, Theo Francis, The Wall Street Journal, March<br />
9, 2004<br />
P/C <strong>Insurance</strong> Failures Drop to Three-Year Low, <strong>National</strong> Underwriter online, March 5, 2004<br />
Rates and Regulation, <strong>Insurance</strong> Issues, <strong>Insurance</strong> Issues Updates, http://www.iii.org <strong>Insurance</strong><br />
Information Institute<br />
Moody's: More p/c downgrades may be coming, <strong>National</strong> Underwriter online, February 3, 2004<br />
What's In Store for the O/C Industry in 2004, Nancy Benacci, Rough Notes, January 31, 2004<br />
P/C Chiefs Don't Expect Goldilocks to Knock in 2004, R J. Lehmann, BestWire, January 15,<br />
2004<br />
Spotlight Report: <strong>Property</strong>/<strong>Casualty</strong> Market Report, Business <strong>Insurance</strong>, January 12, 2004<br />
III Sees a Solid Year Ahead for P/C Insurers, <strong>National</strong> Underwriter online, December 17, 2003<br />
Rising P/C Rates Having Effect on Reserve Gap, <strong>Insurance</strong> Day, December 17, 2003<br />
Weiss: US P/C Pr<strong>of</strong>its Up 189% in '03 First Half, <strong>National</strong> Underwriter online, December 4,<br />
2003<br />
Residual Markets, <strong>Property</strong>/Auto <strong>Insurance</strong>, <strong>Insurance</strong> Issues Updates, http://www.org,<br />
<strong>Insurance</strong> Information Institute<br />
Building Value: <strong>Insurance</strong> rates for commercial property coverage to ease, Ray A. Smith, The<br />
Wall Street Journal, November 26, 2003<br />
Despite Increased Pr<strong>of</strong>its, <strong>Insurance</strong> Expert Expects No Reduction in Premiums, Tom Shean,<br />
The Virginian Pilot, November 6, 2003<br />
The Business Exclusion: A frequent source <strong>of</strong> controversy, Rough Notes, October 1, 2003<br />
Seeking a Piece <strong>of</strong> the <strong>Property</strong> Pie, Symon Ross, <strong>Insurance</strong> Day, September 8, 2003<br />
Weiss: 9/11 Insured Loss Hits 9.3 Billion, <strong>National</strong> Underwriter P/C, September 5, 2002<br />
Life Insurer Woe Seen; P/C firms wield pricing power, Lee Ann Gjersten, American Banker,<br />
June 5, 2003<br />
Debt, Losses Spell Gloom for /C Market, Conning Says, R. J. Lehmann, Bests <strong>Insurance</strong> News,<br />
June 4, 2003
Risky Business: Big insurers rig the game to avoid covering people likely to file claims,<br />
Christopher H. Schmitt, US News & World Report, June 2, 2003<br />
Landlords Try to Stem Rising <strong>Insurance</strong> Costs, Ray A. Smith, The Wall Street Journal, April 23,<br />
2003<br />
P/C Industry '02 Pr<strong>of</strong>it <strong>of</strong> $2.9B Dimmed by Surplus Decline, Reserve Concerns, <strong>Insurance</strong><br />
Accounting, April 21, 2003<br />
P/C Industry's Surplus Falls Despite Improvement in Net Income After Taxes, <strong>Insurance</strong><br />
Journal, April 17, 2003<br />
<strong>Insurance</strong> Industry Reaching Into Consumers Pockets to make Up for Huge Losses, Gregg<br />
Fields, Knight Ridder News, January 30, 2003<br />
Study: P/C Reserve Deficiency Doubles, Bests <strong>Insurance</strong> News, January 16, 2003<br />
In <strong>Property</strong> <strong>Casualty</strong> Market, Hard Times Aren't So Bad, Lee Ann Gjertsen & David Reich-Hale,<br />
American Banker, December 26, 2002<br />
Economic Factors Fueling P/C Rates; AAI urges regulators to resist haste to regulate, <strong>Insurance</strong><br />
Journal, December 10, 2002<br />
One Claim Too Many? <strong>Insurance</strong>'s new policy: Use it and lose it, Sabrina Jones & Sandra<br />
Fleishman, The Washington Post, November 10, 2002<br />
<strong>Insurance</strong> Rates Rise Along With Terror Fears, Allan Drury, The Journal News, November 3,<br />
2002<br />
2001 Fire Loss, Large Loss, NFPA Journal, November/December, 2001<br />
A&E Losses Increase, Reversing Two-Year Decline, Bests <strong>Insurance</strong> News, October 2002<br />
Actuaries Evolve into Architects <strong>of</strong> Financial Security, Samuel Schiff, Rough Notes, October 31,<br />
2002<br />
Protection or a Pitch? As us <strong>of</strong> warranties expands, buyers need to understand what they cover<br />
Marilyn Kennedy, Chicago Tribune, October 13, 2002<br />
Weiss Reports P/C Insurers Post $5.5 B Pr<strong>of</strong>it in 1st Q 2002,. <strong>Insurance</strong> Journal, , September 24,<br />
2002<br />
Financial & Market Conditions, Files for Chapter XI: <strong>Insurance</strong> units NOT involved, Thomson<br />
Financial Solutions, December 18, 2002<br />
P&C Exempt from Patriot Act Rules, Steven Brost<strong>of</strong>f, <strong>National</strong> Underwriter P/C, September 18,<br />
2002
Conning Says Despite Predictions <strong>of</strong> Their Demise, Small P/C Insurers Excel, <strong>Insurance</strong><br />
Journal, September 16, 2002<br />
AAI Says Economic Factors Driving P&C Rates; Urges regulators to resist rush to regulate,<br />
<strong>Insurance</strong> Journal, September 10, 2002<br />
A Year After: <strong>Insurance</strong> prices, restrictions are up. The industry's response to terrorism has led to<br />
30% rate increases for commercial properties, E. Scott Reckard, The Los Angeles Times,<br />
September 16, 2002<br />
Cash Flow: A move to halt the premium seesaw, Albert B. Crenshaw, The Washington Post,<br />
September 8, 2002<br />
Increases in <strong>Insurance</strong> Costs Squeezing Business, Carolyn Said, The San Francisco Chronicle,<br />
September 8, 2002<br />
Workers Comp, Commercial <strong>Property</strong> Markets Struggling, Stephanie K. Jones, <strong>Insurance</strong><br />
Journal West, September 2, 2002<br />
Domestic Insurers Report Net Claims <strong>of</strong> 8.5 Billion from September 11 Attacks, According to<br />
Weiss Ratings, Business Wire, September 3, 2002<br />
Americans for <strong>Insurance</strong> Reform Launched, US Newswire, July 30, 2002<br />
Auto, Home <strong>Insurance</strong> Rates Soar Nationwide, Terrie Morgan-Besecker, Times Leader, July 24,<br />
2002<br />
Top 200 <strong>Property</strong>/<strong>Casualty</strong> Insurers by Net Premiums Written - 2001, Bests Review, July, 2002<br />
P/C Insolvencies Trends Continued in 2001, Lorraine Gorski, BestWire, June 18, 2002<br />
<strong>Insurance</strong> After 9/11: In the property and casualty business, terrorism is an evolving crisis - and<br />
an opportunity, Carol J. Loomis, Fortune Magazine, June 10, 2002<br />
Dire Straits Feared for P/C Firms, <strong>Insurance</strong> Accounting, June 3, 2002<br />
P/C Industry's 2001 Ws Worst Ever, BestWeek, May 27, 2002<br />
Study Says That Sept 11 BI Claims Could Drag on (business interruption insurance, Daniel<br />
Hays, <strong>National</strong> Underwriter P/C, April 8, 2002<br />
Read 'Em & Weep - Expect '01 Net Loss, Susanne Sclafane, <strong>National</strong> Underwriter P/C, April 1,<br />
2002<br />
<strong>Property</strong> <strong>Casualty</strong> Insurers Post Loss Estimated $3.5 B Shortfall in '01, Marks 1st Yearly Decline<br />
for Sector, Scott Bernard Nelson, The Boston Globe, March 21, 2002<br />
NCOIL Holds Line on P/C Deregulation Policies - To Relief <strong>of</strong> Industry, Steve Tuckey,<br />
<strong>Insurance</strong> Accounting, March 11, 2002
45 State Regulators Reject Personal Lines Exclusions, Dennis Kelly, BestWeek, February 4, 2002<br />
Large Contracting Risks; A potential mine field, Donald S. Malecki, Risk Management,<br />
February, 2002<br />
Conning: Reserve Problems at P/C Insurers, Daniel Hays, <strong>National</strong> Underwriter P/C, January<br />
24, 2002<br />
Insurers Imposing Rate Hikes in Every P/C line, Mark H<strong>of</strong>mann & Meg Fletcher, Business<br />
<strong>Insurance</strong>, January 14, 2002<br />
Industry Outlook 2002: Soaring rates... and revenues, Pallavi Gogoi & Mike McNamee, Business<br />
Week, January 14, 2002<br />
Third Quarter Results Grim, But Worst is Yet to Come, Susanne Sclafane, <strong>National</strong> Underwriter<br />
P/C, December 24/31, 2001<br />
Top 10 Stories <strong>of</strong> 2001, WTC Loss Overshadows All, Sam Friedman, <strong>National</strong> Underwriter P/C,<br />
December 24/31, 2001<br />
<strong>Property</strong> <strong>Insurance</strong> and the Attack on the US, Kathryn K Jensen, Claims Magazine, December,<br />
2001<br />
US Chamber Survey Finds many Underinsured, EE Mazier, <strong>National</strong> Underwriter P/C,<br />
December 6, 2001<br />
Cost Comparison: Increases in cost <strong>of</strong> physician services, hospital room rates, legal costs and<br />
auto body repair expenses continued to outpace the general rate <strong>of</strong> inflation, keeping the price<br />
indexes for most <strong>of</strong> property/casualty major lines above the consumer price index in 2000,<br />
William R. Van Ark, Bests Review, December, 2001<br />
Terrorism Losses to Hike Combined Ratio to 120, Daniel Hayes, <strong>National</strong> Underwriter P/C,<br />
November 26, 2001<br />
Creating Reserves: Dealing with inadequate national supplies <strong>of</strong> money and blood, Thomas G<br />
Donlan, Barrons, November 19, 2001<br />
Final A&E Data Support AM Best's Opinion on Reserve Shortfall, Gerard Altonji, BestWeek,<br />
November 5, 2001<br />
New Focus on Business Interruption Coverage, Charles E. Boyle, <strong>Insurance</strong> Journal-West,<br />
October 15, 2001<br />
Forty Years <strong>of</strong> Involuntary <strong>Property</strong> <strong>Insurance</strong> Markets in the United States (Fair & Beach<br />
Plans), Ronald W. Demerjian, George Flanigan & Douglas Jensen, CPCU Journal, October 1,<br />
2001<br />
War Risk Exclusion Legal History Outlines, Susan Massmann, <strong>National</strong> Underwriter P/C,<br />
September 24, 2001
Landlord & Tenants Ask 'Are We Covered?' - A Look at <strong>Insurance</strong> Issues Resulting from<br />
Attacks on World Trade Center, Motoko Rich & Shiela Nuto, The Wall Street Journal,<br />
September 26, 2001<br />
<strong>Property</strong>/<strong>Casualty</strong> Insurers Suffer Record Cats; Pricing Improves, Reported Results Worsen,<br />
Daniel J. Ryan, BestWeek, September 10, 2001<br />
California Can Set Example This Week by Passing Predatory-Lending Bill, Maude Hurd,<br />
American Banker, September 7, 2001<br />
Personal Lines Woes Cited, Susanne Sclafane, <strong>National</strong> Underwriter P/C, August 20, 2001<br />
<strong>Insurance</strong> Cost to Homeowner Climbs Sharply, Joseph Treaster, The New York Times, August<br />
19, 2001<br />
Built to Suit: Blanket installation floater policies <strong>of</strong>ten have Limits and premiums unrelated to<br />
risks, Harry Bordner, Best's Review, August, 2001<br />
<strong>Property</strong> <strong>Casualty</strong> Insurers Concerned about Patients Rights Bill, Dennis Kelly, Best's News,<br />
July 27, 2001<br />
Key Ethical Issues Facing the <strong>Property</strong> & <strong>Casualty</strong> <strong>Insurance</strong> Industry: Has a Decade Made a<br />
Difference? Robert W. Cooper & Garry L. Frank, CPCU Journal, Summer, 2001<br />
Future Shock: Top Ten Stories <strong>of</strong> 2005, Robert F. Conger & Stephen P D'Arcy, <strong>National</strong><br />
Underwriter P/C. July 23, 2001<br />
Shortage <strong>of</strong> Claims Pr<strong>of</strong>essionals is a Growing Crisis for <strong>Insurance</strong> Industry, Says Conning, &<br />
Company,. Business Wire, July l9, 2001.<br />
Top 200 <strong>Property</strong>/<strong>Casualty</strong> Groups by Net Premiums Written - 2000, Best's Review, July, 2001<br />
Study: <strong>Property</strong> <strong>Insurance</strong> Rates Will Still Continue Upward Trend”, Fran Matso Lysiak,<br />
BestWeek, June 11, 2001<br />
Insurers Pay $4.3B in 2000 Claims, ISO Press Release, January 24, 2001<br />
Money to Burn: Overcapitalization & Deregulation Challenge P/C Insurers, Barbara Bowers,<br />
Bests Review, January, 2001<br />
Brokers, Sellers & Advisors, Claims Employee Benefits, Risk Management & Costs, Business<br />
<strong>Insurance</strong>, December 18, 2000<br />
Rules & Regulations, & BI’s 100 Leading Women in the Industry Special Issue: Charting<br />
Change, Business <strong>Insurance</strong>, December 18, 2000<br />
The Top Risk Management Stories <strong>of</strong> 2000, Business <strong>Insurance</strong>, December 18, 2000<br />
<strong>Property</strong>/<strong>Casualty</strong> Market Turnaround Is Not Evident Yet, Best’s Viewpoint, December 11, 2000
Good As New Lynna Goch, Bests Review, December 2000<br />
AIG’s CEO Says Rates Will Harden Beyond 2002, Meg Green, BestWeek L/H, November 20,<br />
2000<br />
P/C Ratings Remain Stable: Earnings Reduce Operating Pr<strong>of</strong>its, Best’s Viewpoint, A BestWeek<br />
Supplement, October 12, 2000<br />
Policy Holder Surplus Remained Flat for P/C Industry in 1999 Best’s Viewpoint, A BestWeek<br />
Supplement, August 7, 2000<br />
Industry Braces for Health Regs Sept Approval, <strong>Insurance</strong> Accounting, July 31, 2000<br />
Rough Ride Predicted for <strong>Property</strong>/<strong>Casualty</strong>, Lee McDonald, Bests Review, July, 2000,<br />
The Top 250, Leslie Wertein Hann, Bests Review, July, 2000<br />
NAIC Votes on Deregulation Model Act, Alex Maurice, <strong>National</strong> Underwriter P/C, July 5, 2000<br />
ISO Study: P/C Industry Income Down 28% Dennis Kelly, BestWeek, P/C July 3<br />
More <strong>Property</strong>/<strong>Casualty</strong> Consolidation Seen in 2000, Best’s Viewpoint, June 19, 2000<br />
Volunteer Workforce, Lifeblood <strong>of</strong> the Nonpr<strong>of</strong>its, Needs Special Coverage, Catherine Tapia,<br />
<strong>Insurance</strong> Journal/West, May 29, 2000<br />
1999 Financial Results Expose another Rough Year for P/C Insurers Stefani Mingo, <strong>Insurance</strong><br />
Journal/West, April 17, 2000<br />
Could P/C Move into Financial Services Backfire? Lisa L. Howard, <strong>National</strong> Underwriter P/C,<br />
April 13, 2000<br />
P/C Trade Unlikely to Attract Banks, Judy Greenwald, Business <strong>Insurance</strong>, March 27, 2000<br />
P/C Industry at the Turn <strong>of</strong> the Century: Global Market Meritocracy Is Coming,: Terry Clarke,<br />
BestWeek P/C, January 24, 2000<br />
Tough Times for P/C and Life, But Health Looks Good, S&P Review Predicts, <strong>Insurance</strong><br />
Advocate, December 18, 1999<br />
<strong>Property</strong>/<strong>Casualty</strong> <strong>Insurance</strong> Insolvencies Reach 27 Year Low, Ron Panko, Best’s News,<br />
November 29, 1999<br />
ISO Report: US <strong>Property</strong>/<strong>Casualty</strong> Net Dropped 3.5% in First Half <strong>of</strong> this Year, Dennis Kelly,<br />
BestWeek, P/C, September 13, 1999<br />
<strong>Property</strong>/<strong>Casualty</strong> Rating Trends Reflect Capital Strength, Earnings Stability, BestWeek P/C<br />
Supplement, Special Report, September 7, 1999
Ward’s 50 Set the Mark for Best Insurer Practices, Judy Greenwald, Business <strong>Insurance</strong>, August<br />
23, 1999<br />
The Top 250 <strong>Property</strong>/<strong>Casualty</strong> Insurers by Net Premiums Written – 1998, Best’s Review P/C,<br />
July, 1999<br />
Maintaining Pr<strong>of</strong>its, William Van Ark, Best’s Review P/C, July, 1999<br />
Higher Rates Not Expected for <strong>Property</strong>/<strong>Casualty</strong> Sector, Surplus Capital Blamed for Tough<br />
Conditions, Ronald Mullins, Journal <strong>of</strong> Commerce, June 25, 1999<br />
P-C Income Down in First Quarter, Susanne Sclafane, <strong>National</strong> Underwriter P/C, June 11, 1999<br />
Price Indexes for Major <strong>Property</strong>/<strong>Casualty</strong> Lines Remained Above Inflation Rate in 1998,<br />
William R. Van Ark, BestWeek, P/C Supplement, May 24, 1999<br />
1998 <strong>Property</strong> and <strong>Casualty</strong> Retrospective, Robert D. Hogue, <strong>Insurance</strong> Advocate, April 17,<br />
1999<br />
Are Consumers Protected? Insurers: Regulate Factoring Companies, Gene Linn, Journal <strong>of</strong><br />
Commerce, April 13, 1999<br />
P/C 1998 Net Income Slashed 16.1% As Combination <strong>of</strong> Adverse Factors, Including<br />
Catastrophes, Coalesce, <strong>Insurance</strong> Advocate, April 3, 1999<br />
Minnesota Agents Support a Restriction on Credit Scoring, News Release, March 30, 1999<br />
<strong>Property</strong>/<strong>Casualty</strong> <strong>Insurance</strong> Industry Net Income Fell 16% in 1998, BestWeek,<br />
<strong>Property</strong>/<strong>Casualty</strong> Statistical Study, March 29, 1999<br />
Major <strong>Property</strong>/<strong>Casualty</strong> Insurers’ Year-end 1998 Results, Business <strong>Insurance</strong>, March 29, 1999<br />
P/C Industry’s Highly Challenging Environment Reflected in Anemic Growth Rate, Robert D.<br />
Hogue, <strong>Insurance</strong> Advocate, March 13, 1999<br />
Modest Cat Losses and Bull Equity markets Spurred Strong P/C Results in '97, Patrick M.<br />
Sweeney, BestWeek, P&C, Statistical Study, April 6, 1998<br />
<strong>Property</strong>/<strong>Casualty</strong> Statistical Studies and Special Reports Index, (1993-1997), BestWeek, P&C,<br />
February 23, 1998<br />
Expense to Premium Ratio Hit Four Year High in '96, Patrick M. Sweeney, BestWeek, P&C<br />
Supplement, January 19, 1998<br />
Investment Gains, Not Operations, Drove Policyholders' Surplus Growth, Patrick M. Sweeney,<br />
BestWeek, P&C Supplement, September 2, 1997<br />
Investments Spurred P/C Insurers to Post Record Net Income in 1996, BestWeek, P&C, July 21,<br />
1997
Emerging Convergence, Lawrence I. Wood, Best's Review, P&C, July 1997<br />
Gap in Claim Cost Trends Continues to Narrow, William R. Van Ark, BestWeek, P&C,<br />
Statistical Study, April 21, 1997<br />
<strong>Property</strong>/<strong>Casualty</strong> Statistical Studies Index, (1992-1996), BestWeek, P&C, February 10, 1997<br />
Review & Preview: Choosing to Survive or Thrive, BestWeek, P&C, January 6, 1997<br />
Choosing to Survive or Thrive in a New Era, Best’s Review, P&C, January 1997<br />
Shakeouts Don’t Happen Overnight, Best’s Review, P&C, January 1997<br />
Record Pr<strong>of</strong>it for ‘96, Journal <strong>of</strong> Commerce, January 16, 1997<br />
Higher Underwriting Expenses in ‘95 Offset Modest P/C Premium Growth, BestWeek, P&C,<br />
December 16, 1996<br />
<strong>Property</strong>-<strong>Casualty</strong> Trends, Monthly Economic Trends in the <strong>Insurance</strong> Industry, Conning &<br />
Company, December 1996<br />
Familiar Set <strong>of</strong> Challenges Drives P/C Ratings Downward, BestWeek, P&C, October 14, 1996<br />
Strong Stock, Bond Markets Nearly Doubled P/C Net Income, BestWeek, P&C, August 19, 1996<br />
S<strong>of</strong>t Pricing, Intense Competition Dampened 1995 Premium Growth, BestWeek, P&C, June 10,<br />
1996<br />
Mergers and Acquisitions Drove corporate changes in 1995, BestWeek, P&C, May 6, 1996<br />
P/C Insurers’ 1995 Results Weather Catastrophes, Environmental Reserving, BestWeek, P&C,<br />
March 26, 1996<br />
Scope <strong>of</strong> the Business: Overview <strong>of</strong> <strong>Insurance</strong>, The I.I.I. 1996 Fact Book, <strong>Insurance</strong> Information<br />
Institute, 1996<br />
The Effect <strong>of</strong> Economic Factors on <strong>Property</strong>/<strong>Casualty</strong> <strong>Insurance</strong> Claims Costs, BestWeek, P&C,<br />
January 22, 1996<br />
Industry at a Turning Point, Best’s Review, P&C, January, 1996.<br />
A Trio <strong>of</strong> Stock Analysts Looks at the <strong>Insurance</strong> Industry for 1996, Rough Notes, January 1996<br />
P/C Net Plummets on Quake Aftershocks, BestWeek, P&C August 7, 1995<br />
Personal Lines Fueled Growth in 1994 Direct Premiums, BestWeek, P&C, July 3, 1995<br />
<strong>Insurance</strong>, Forbes, January 2, 1995
The Scope <strong>of</strong> the Business: Overview <strong>of</strong> <strong>Insurance</strong>, The Fact Book, 1995, III, 1995.<br />
<strong>Property</strong> Losses Ease as Catastrophes Abate, Best’s Review, P&C, December, 1994<br />
Preparing for the Next Hard <strong>Property</strong> <strong>Insurance</strong> Market, The John Liner Review, Fall, 1994<br />
Redlining, Catastrophe Exposures Cloud P/C Industry’s Future, BestWeek, P&C, October 3,<br />
1994<br />
P/C Net Income Soared in ‘93, but Luck Played a Pivotal Role, BestWeek, P&C, July 25, 1994<br />
The P/C Cycle isn't Dead, Just Different, BestWeek, P/C February 7, 1994<br />
Auto Insurers Dominate List <strong>of</strong> Top Combined-Ratio Results, BestWeek, P/C, February 7, 1994<br />
Fear <strong>of</strong> Catastrophe Still Looms Large in Insurers' List <strong>of</strong> Top Concerns, BestWeek, January 17,<br />
1994<br />
Expense Ratios Deteriorated in 1992 Because <strong>of</strong> Slow Premium Growth, BestWeek, P/C, January<br />
3, 1994<br />
Review and Preview: the Industry Catches its Breath, BestWeek, P/C, January 3, 1994<br />
Big Drop in Cat Losses Boon to '93 P/C Results, The Conning Commentary, Conning & Co.,<br />
January, 1994<br />
The Regulation <strong>of</strong> <strong>Insurance</strong> Companies in the United States and The European Communities: A<br />
comparative study, Spencer Kimball, IIAC, 1981
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