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How were NU profit leaders determined?

Publication: National Underwriter Property & Casualty-Risk & Benefits Management
Publication Date: 24-JAN-05 		Format: Online - approximately 1080 words
Delivery: Immediate Online Access
Full Article Title: How were NU profit leaders determined?(NU data insights: profitability)(National Underwriter )

Article Excerpt
IT WAS TEMPTING TO HEADLINE OUR lead article, "Credit Card Company Trounces Insurers," but some data characteristics that set American Express' property-casualty operations--IDS Property Casualty--apart from most others on NU's Profit Leaders list forced our restraint.

Understanding the criteria that put American Express on our list--and landed it at the top--is essential to interpreting the list and any trends they reveal to our readers.

GETTING ON THE LIST:

To be included in our report, an insurance organization:

* Must be an individual insurer that is not part of a larger group or be an organization that reported combined results to regulators in 2003 (combined filers). In some cases, combined filers do not include every company that we might recognize as a member of an insurance group. For example, Zurich Group consists of two combined filers--Farmers Insurance Group and Zurich Insurance Co. Group.

* Must have reported non-negative combined ratios on its regulatory filings in each of the six years from 1998-2003....

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