Best's Review


AM Best Research & Commentary
COVID-19 Impacts Cyber, Auto

AM Best says insurers should reassess their stress scenarios for cyber and notes that declining losses have offset declining premiums for auto insurers.
  • September 2020
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A selection of recent industry research:


Special Report: Understanding Country Risk Evaluation in Best's Credit Ratings

Insurers that effectively manage country risk can achieve ratings higher than the sovereign of their domicile.

August 10, 2020 - 9 Pages


Special Report: Interest Rates: Different Impact Severity, Different Strategies

L/A insurers have taken a number of actions to de-risk their product portfolios, including exiting, re-pricing, or de-emphasizing certain business lines.

August 4, 2020 - 14 Pages


Market Segment Report: Commercial Market Dislocation Could Provide New Opportunities for Captives to Fill the Void

The rated U.S. captives continue to outperform their commercial market peers, amid new opportunities.

July 29, 2020 - 16 Pages


Special Report: Net Capital Charge Tables for ACIS/CIRT Reinsurance Transactions (July 2020 Update)

AM Best releases 3rd semiannual ACIS/CIRT Net Capital Charge tables.

July 27, 2020 - 9 Pages


Market Segment Report: Cyber Insurance: Profitability Less Certain as New Risks Emerge

With COVID-19 potentially compounding cyberrisk, insurers should be reconsidering their stress scenarios.

July 21, 2020 - 12 Pages


Market Segment Report: Personal Auto Stuck in Neutral as Fewer Claims Offset Premium Losses

COVID-19 has curtailed travel, improving profitability and lowering loss frequency for personal auto insurers.

July 16, 2020 - 11 Pages


Market Segment Outlook: Chile Insurance

Our Negative outlook for Chile's insurance industry is based on negative market dynamics, which have been exacerbated by COVID-19; adverse regulatory changes; and potentially costlier debt financing.

July 14, 2020 - 4 Pages


Market Segment Outlook: Germany Non-Life

Growth in Germany's non-life insurance market is expected to be subdued in 2020 due to the COVID-19-driven economic decline.

July 9, 2020 - 7 Pages


Market Segment Report: Multiple Threats Flank the Florida Property Insurance Market

The market is facing a number of challenges: hurricanes, social inflation, reinsurance spikes ... and now a pandemic.

July 6, 2020 - 15 Pages


Market Segment Report: US Commercial Auto Writers: Profitability Remains Elusive

The segment continues to face numerous challenges, although the pandemic may give it some much-needed breathing room with regard to frequency and severity.

June 30, 2020 - 12 Pages

AM Best Commentary

Commentary: Insurance Capital Raising – Bolstering Existing Firms or Funding Start-Ups?

There are significant hurdles for new companies looking to establish themselves quickly to take advantage of beneficial conditions.

July 14, 2020 - 4 Pages

Best's Insurance News & Analysis subscribers can download PDF copies of all Best's Special Reports, Best's Commentaries and Best's Market Segment Reports along with supporting spreadsheet data at

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