UPC Insurance Company Overview and ESG Strategy
$84MM
Underlying U/W Profit (1)
89.7%
Underlying Combined Ratio (1)
NonCAT Loss Ratio
CAT Loss Ratio
Prior Years' Development Ratio
133%
Comparison of Personal & Commercial Lines
Commercial has consistently outperformed Personal Lines since our 2017 merger with AmCo
Commercial Lines Key Metrics (2020)
Personal Lines Key Metrics (2020)
$1.0B / $564MM
GPE/NPE
43.0%
Underlying Pre-Tax ROE (1)
Combined Ratio
Expense Ratio
$390MM / $202MM
GPE/NPE
$29MM
Underlying U/W Profit (1)
42.1%
87.1%
Underlying Pre-Tax ROE (1)
Underlying Combined Ratio (1)
Combined Ratio
Expense Ratio
NonCAT Loss Ratio
CAT Loss Ratio
Prior Years' Development Ratio
116%
120%
6%
109%
1%
110%
0%
1%
94%
17%
44%
14%
95%
90%
94%
0%
22%
85%
16%
31%
11%
10%
CAT 10%
49%
49%
55%
33%
CAT 10%
45%
31%
34%
22%
NonCAT 45%
NonCAT 30%
50%
43%
45%
45%
45%
50%
50%
54%
Exp 40%
-1%
-4%
-2%
2017
2018
2019
2020
Target Pricing
2017
2018
2019
2020
Exp 45%
Target Pricing
Underlying Combined Ratio (1)
Underlying Combined Ratio (1)
99%
100%
92%
90%
85%
81%
84%
87%
75%
67%
2017
(1)
2018
2019
2020
Target Pricing
2017
2018
2019
2020
Target Pricing
7
Excludes CAT losses and prior year developmentView entire presentation