• Dowling & Partners

    ALL INSURANCE.
    ALL THE TIME.

    Comprised of 15 analysts, our Equity Research team is in constant contact with management of both public and private companies to keep our clients abreast of industry trends and new developments. Our boutique model of “all insurance, all the time” allows our dedicated five person sales team to respond to our client’s needs quickly and provide timely access to senior research analysts. 

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    d&p "florida primer"... leave the gambling at the track

    While Florida has seen its own version of the "Triple Crown" - with reinsurance rates down, primary rates up, and a record 9 years "storm free" - we respectfully suggest it would be a good time to stop gambling with Mother Nature.  The "tipping point" in property cat reinsurance began in "Florida" 3 years ago and the ramifications continue to be most acutely evident in this "peak zone" state.  This "new world" of property cat (re)insurance gives Florida (and other states / governement entities) the opportunity to greatly reduce and / or fully exit the (re)insurance business.  See our full report published 6/11

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    AJIT JAIN/NATIONAL INDEMNITY/ BERKSHIRE HATHAWAY "DOES A PROGRESSIVE", GOES DIRECT TO INSURED/CUSTOMER IN COMMERICAL LINES (WORKERS' COMP)

    In theory, a direct to insured insurance offering that is capable of offering a real time bindable quote on the front end, and assumes all the risk gross/net on the back end represents the most efficient business model possible.  Looking ahead, we envision a world where "agents" will continue to write the vast majority of small commercial accounts, but will do so with lower commissions and potentially new partners.  See IBNR #15, 2015

     

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    2015 (re)insurance "roadmap"... our annual updated implications for wind season

    With the 2015 Atlantic Hurricane Season now underway, and the 6/1 property cat renewal date for the "peak zone," we review all things hurricane-season related.  As part of our annual reinsurance roadmap, we take a closer look at the impact of the lack of major hurricane losses on earnings/TVC for our composite = both earnings (post tipping point) & capital management have been benefitted, adding ~3pts annually to TVC since 2006.  See IBNR #20 for more detail