Learn how to calculate the combined ratio for insurance companies, including financial and trade basis methods, using loss and expense ratios for profitability analysis.

The Progressive Corporation’s PGR profitability is underpinned by its combined ratio, a key measure of underwriting performance in the property and casualty (P&C) insurance industry. The combined ...

Earnings Call Insights: Selective Insurance Group, Inc. (SIGI) Q1 2025 CEO John Marchioni highlighted a combined ratio of 96.1% for the quarter and net premiums written growth of 7%, driven by ...

Heritage Insurance Holdings’ HRTG profitability is underpinned by its combined ratio, a key measure of underwriting performance in the property and casualty (P&C) insurance industry. A combined ratio ...

John J. Marchioni, CEO, President & Chairman, reported an operating return on equity of 13.2% for the quarter, attributing this performance to an 18% year-over-year increase in investment income. He ...

Christopher J. Swift, Chairman and CEO, highlighted the company’s strong Q4 and full-year performance, with a focus on underwriting execution, distribution relationships, and customer experience. He ...

Q4 2025 Management View President and CEO John "Jack" C. Roche stated the company delivered "excellent margins while growing with intention" and capped a record year with "one of the best fourth ...