Insurance Executive
Combined Ratio: 103.2%.
The Board Meets in 48 Hours
Underwriting says it's claims inflation. Claims says it's underwriting aggression. Your presentation needs to show the board exactly where profitability broke—and your plan to fix it.
The Combined Ratio Death Zone
Every point above 100% is pure loss
103.2%
Combined Ratio
<92%
Excellent
92-96%
Good
96-100%
Marginal
100-105%
Loss
>105%
Crisis
Where Profitability Is Bleeding
Combined ratio by line of business
| Line of Business | DWP | Incurred | Loss Ratio | Expense | Combined |
|---|---|---|---|---|---|
| Auto Physical Damage | $124M | $98M | 79% | 28% | 107% |
| Auto Liability | $186M | $142M | 76% | 26% | 102% |
| Homeowners | $215M | $178M | 83% | 24% | 107% |
| Commercial Property | $142M | $108M | 76% | 22% | 98% |
| Workers Comp | $89M | $62M | 70% | 24% | 94% |
The Blame Game Ends Here
What the data actually shows
UNDERWRITING SAYS
Claims severity up+18%
Medical inflation+12%
Social inflation+8%
Cat losses+$24M
"We priced correctly. Claims exploded."
CLAIMS SAYS
Rate inadequacy-4.2%
New business push+22%
Retention discounts$18M
Adverse selection+14%
"We got bad business. UW didn't select."
THE DATA SHOWS
42%
Rate Inadequacy
35%
Claims Inflation
23%
Selection Issues
Both are right. Both are wrong. The board needs to see this breakdown—not finger pointing.
Insurance KPIs the Board Watches
Combined Ratio
103.2%
Target: <96%
Loss Ratio
77.4%
Target: <65%
Expense Ratio
25.8%
Target: <30%
Policy Retention
84%
Target: >90%
Premium Growth
+8.2%
Target: >5%
Reserve Adequacy
97%
Target: 100%
Source: AM Best, S&P Insurance Industry Benchmarks 2025
TRANSFORM YOUR OPERATIONS
Present the Full Picture to the Board
SlideStrike connects to your policy admin and claims systems to show exactly where profitability is breaking—with the remediation plan attached.
Loss ratio attribution by cause (pricing vs. claims vs. selection)
Line of business profitability trending
Rate adequacy analysis with actuarial validation
Remediation roadmap with 12-month combined ratio projection