美国商业保险价格总涨幅略低于4%（英）2025

Pricing and profitability 2025 Q2 update Now more than ever, price monitoring is key Change in price level versus same quarter one year prior Most of the lines continued to have moderate tosignificant rate increases in Q2 Loss ratios continue to develop favorably in 2025 In this context, reliableinformation on how yourcompany compares to themarketplace is crucial CLIPS is WTW’s U.S. commercial linespricing and profitability survey Information comes directly from carriers Data-based Free Confidential Only participants receive the detailedsurvey results CLIPS gives participants more and better historicalinformation on pricing and profitability •We collect information from participating companies each quarter–Estimated price changes by quarter for the last two years •Year-over-year percentage changes•Including the effects of coverage changes as well as rates•Including new business if available –Estimated increases in loss costs by year for the last two years •We deliver customized summary results back to the participants Submitted data are reviewed for reasonableness and consistency but not audited CLIPS information is collected and reported at line ofbusiness and account size level Investment analysts useCLIPS to take the pulseof the industry …WTW’s survey takes the commercial lineswriters’ view (what they have done with pricingand how that impacts profitability). We think theWTW survey will be a better benchmark forinvestors (and management). Insurance industry investment analyst,quoting CLIPS results shortly after launch Current participants—and their shareholders—benefit from insightsfrom CLIPS …We continue to focus on balancing priceand retention in this competitive market...Of the various commercial lines industry pricingsurveys, wefavorthe WTW CLIPS surveybecause of its data collection methodology... Participating company CFOquarterly earnings conference call How to find out more Yi Jing FCASMAAA AlejandraNolibosFCAS, MAAA Senior DirectorHartfordPhone:860 843 7159E-mail:yi.jing@wtwco.com Managing DirectorMiamiPhone:786 552 1130E-mail:alejandra.nolibos@wtwco.com Visit:www.wtwco.com Thank you.