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.
We update our market segment outlooks annually, but may revisit them at any time during the year if regulatory, financial, or market conditions warrant.
|US Commercial Lines||Stable|
|Excess & Surplus Lines||Stable|
|Professional Medical Liability||Negative|
|US Personal Lines||Stable|
|US Life & Annuity||Negative|
|Europe, Middle East, & Africa (EMEA)|
|Gulf Cooperation Council (GCC) Region||Negative|