{"id":1240,"date":"2014-10-06T18:15:34","date_gmt":"2014-10-06T18:15:34","guid":{"rendered":"http:\/\/ciresblogs.colorado.edu\/prometheus\/?p=1240"},"modified":"2014-10-06T18:15:34","modified_gmt":"2014-10-06T18:15:34","slug":"an-average-perspective-on-insurance-profitability-cycles","status":"publish","type":"post","link":"https:\/\/ciresblogs.colorado.edu\/prometheus\/2014\/10\/06\/an-average-perspective-on-insurance-profitability-cycles\/","title":{"rendered":"An Average Perspective on Insurance Profitability Cycles"},"content":{"rendered":"<p><a href=\"http:\/\/ciresblogs.colorado.edu\/prometheus\/wp-content\/uploads\/sites\/36\/2014\/10\/graph6.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1241\" src=\"http:\/\/ciresblogs.colorado.edu\/prometheus\/wp-content\/uploads\/sites\/36\/2014\/10\/graph6.jpg\" alt=\"graph6\" width=\"660\" height=\"300\" srcset=\"https:\/\/ciresblogs.colorado.edu\/prometheus\/wp-content\/uploads\/sites\/36\/2014\/10\/graph6.jpg 660w, https:\/\/ciresblogs.colorado.edu\/prometheus\/wp-content\/uploads\/sites\/36\/2014\/10\/graph6-300x136.jpg 300w\" sizes=\"auto, (max-width: 660px) 100vw, 660px\" \/><\/a><\/p>\n<p>New CSTPR Publication by Jessica Weinkle:<\/p>\n<p><strong>An Average Perspective on Insurance Profitability Cycles<\/strong><br \/>\n<a href=\"http:\/\/www.insurancejournal.com\/magazines\/closingquote\/2014\/10\/06\/342096.htm\" target=\"_blank\"><em>Insurance Journal<\/em><\/a><br \/>\nOctober 6, 2014<\/p>\n<p>by Jessica Weinkle<\/p>\n<p>Dr. Robert Hartwig, president of the Insurance Information Institute (III), is well known for his plentiful data on the insurance industry and chartist presentation style. His identification and aggregation of data is quite commendable.<\/p>\n<p>On several occasions, I have come across Dr. Hartwig\u2019s chart on Property\/Casualty Insurance Profitability (See above). The image shows annual first quarter return-on-equity (ROE) for the property\/casualty industry from 1975 onward. Arrows overlaying the data demarcate an approximate 10-year period between points of peak profitability.<\/p>\n<p>I don\u2019t find the suggested decadal cycle of P\/C industry profitability all that convincing. However, I do think the data is interesting.<\/p>\n<p>I\u2019ve extracted the data from Dr. Hartwig\u2019s \u201cP\/C Insurance Profitability\u201d chart above and created the two charts below. The first chart shows the five-year moving average of the data. <a href=\"http:\/\/www.insurancejournal.com\/magazines\/closingquote\/2014\/10\/06\/342096.htm\" target=\"_blank\">Read more \u2026<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>New CSTPR Publication by Jessica Weinkle: An Average Perspective on Insurance Profitability Cycles Insurance Journal October 6, 2014 by Jessica Weinkle Dr. Robert Hartwig, president of the Insurance Information Institute (III), is well known for his plentiful data on the &hellip; <a href=\"https:\/\/ciresblogs.colorado.edu\/prometheus\/2014\/10\/06\/an-average-perspective-on-insurance-profitability-cycles\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":32,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-1240","post","type-post","status-publish","format-standard","hentry","category-publications"],"publishpress_future_action":{"enabled":false,"date":"2026-09-22 14:36:54","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/ciresblogs.colorado.edu\/prometheus\/wp-json\/wp\/v2\/posts\/1240","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ciresblogs.colorado.edu\/prometheus\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ciresblogs.colorado.edu\/prometheus\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ciresblogs.colorado.edu\/prometheus\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/ciresblogs.colorado.edu\/prometheus\/wp-json\/wp\/v2\/comments?post=1240"}],"version-history":[{"count":1,"href":"https:\/\/ciresblogs.colorado.edu\/prometheus\/wp-json\/wp\/v2\/posts\/1240\/revisions"}],"predecessor-version":[{"id":1242,"href":"https:\/\/ciresblogs.colorado.edu\/prometheus\/wp-json\/wp\/v2\/posts\/1240\/revisions\/1242"}],"wp:attachment":[{"href":"https:\/\/ciresblogs.colorado.edu\/prometheus\/wp-json\/wp\/v2\/media?parent=1240"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ciresblogs.colorado.edu\/prometheus\/wp-json\/wp\/v2\/categories?post=1240"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ciresblogs.colorado.edu\/prometheus\/wp-json\/wp\/v2\/tags?post=1240"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}