Best's Market Segment Outlooks

Our market segment outlooks examine the impact of current trends on companies operating in particular segments of the insurance industry over the next 12 months. Typical factors we would consider include current and forecast economic conditions; the regulatory environment and potential changes; emerging product developments; and competitive issues that could impact the success of these companies. Best’s ratings take into account the manner in which companies manage these factors and trends.

A Best’s Market Segment Outlook, like a Best’s Credit Rating Outlook for a company, can be Positive, Negative, or Stable.

  • A Positive market segment outlook indicates that AM Best expects market trends to have a positive influence on companies operating in the market over the next 12 months. However, a Positive outlook for a particular market segment does not mean that the outlook for all the companies operating in that market segment will be Positive.
  • A Negative market segment outlook indicates that AM Best expects market trends to have a negative influence on companies operating in the market over the next 12 months. However, a Negative outlook for a particular market segment does not mean that the outlook for all the companies operating in that market segment will be Negative.
  • A Stable market segment outlook indicates that AM Best expects market trends to have a neutral influence on companies operating in that market segment over the next 12 months.

We update our market segment outlooks annually, but may revisit them at any time during the year if regulatory, financial, or market conditions warrant.

Market Segment Outlook PDF
US Personal Lines Stable  
Homeowners Stable  
Personal Auto Stable  
US Commercial Lines Negative  
Commercial Auto Negative  
Excess & Surplus Lines Negative  
Medical Professional Liability Negative  
Private Mortgage Insurers Negative  
Professional Liability Negative  
Surety Negative  
Title Negative  
Workers' Compensation Negative  
Canada Property/Casualty Stable  
US Life/Annuity Negative  
Life Negative  
Annuity Negative  
US Health Stable  
Disability Insurance Negative  
Long Term Care Negative  
Supplemental Health Stable  
Canada Life/Annuity Negative  
Global Reinsurance Stable  
Global Life Reinsurance Stable  
Global Non-Life Reinsurance Stable  
France Life Negative  
France Non-Life Stable  
Germany Life Negative  
Germany Non-Life Stable  
Gulf Cooperation Council (GCC) Region Negative  
Italy Life Negative  
Italy Non-Life Stable  
Spain Life Negative  
Spain Non-Life Stable  
UK Life Negative  
UK Non-Life Negative  
China Non-Life Negative  
India Non-Life Negative  
Indonesia Non-Life Stable  
Japan Life Negative  
Japan Non-Life Stable  
South Korea Non-Life Negative  
Taiwan Non-Life Stable  
Vietnam Non-Life Stable  
Argentina Insurance Negative  
Bolivia Insurance Negative  
Brazil Reinsurance Negative  
Chile Negative  
Colombia Insurance Negative  
Guatemala Insurance Stable  
Mexico Insurance Negative  
Panama Insurance Negative  
Peru Insurance Stable  
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