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Restricted - External Read more Meet the AnalystAlex Scott, CFA, joined Barclays in April 2024 and is asenior equity analyst leading the coverage of property &casualty insurance, life insurance, reinsurance, &insurance brokerage. Alex has 18 years of experienceanalyzing and working in the insurance industry. Mostrecently, Alex led the equity research coverage ofinsurance at another investment bank and previously heldpositions on the buy and sell side. Earlier in his career, Alexworked for a regional insurance broker. Alex holds a BA inEconomics from Middlebury College and is a CFAcharterholder.Read more from AlexNorth America Insurance Non-Life: Softer P&CPricing Becoming More Evident PresentingDownward Pressure on Our Broker Estimates »Global Reinsurance: On a softening track »Global Reinsurance: Bermuda Mid-Year MeetingTakeaways »North America Personal Insurance: Assessing TariffImpacts On Personal Auto » View Analyst Page Amy Mignosi+ 1 646 8476395BCI, USRonald P Lofrese+1 212 526 8405BCI, USCaitlin Clements+44 (0) 207 116 1359Barclays, UKEmilie Uzan+44 (0) 207 116 2270Barclays, UKNorth America Insurance Non-Life: Softer P&CPricing Becoming More Evident PresentingDownward Pressure on Our Broker Estimates »Barclays Research MarketingIf you have any questions, please reach out to your Barclays Sales Representative or to the <ahref="mailto:barclaysresearchmarketing2@barclays.com?subject=Question%20from%20marketing%20email">Barclays Research and Data Marketing</a>team.If you have forgotten your Barclays Live password, click here to reset it. If you need assistance loggingin, email barclayslivehelp@barclays.com or contact the Help Desk:Americas:+1 866 213 2203 or +1212 412 1993 |EMEA:+44 (0) 800 917 1691 or +44 (0) 20 7773 2522 |Japan:+81 (0) 3 4530 1430 |Singapore:+65 6308 6994Barclays Capital Inc. and/or one of itsaffiliatesdoes and seeks to do business with companies coveredin its research reports. As a result, investors should be aware that the firm may have a conflict ofinterest that couldaffectthe objectivity of this report. Investors should consider this report as only asingle factor in making their investment decision.For analyst certifications and important disclosures including, where applicable, foreignaffiliatedisclosures, and the date and time when the production of each recommendation was completed andfirst disseminated, please refer to the full document(s) attached or included by hyperlink in this email.Important Disclaimer and other information