See Companies Covered Here

Dossiers are executive-grade competitive intelligence on specific publicly traded companies, built for the people who run the P&C insurance ecosystem: the operators responsible for underwriting, distribution, capital, or strategy. 

This is not run-of-the-mill ‘news coverage’ gleaned from press releases. 

Each Dossier identifies and covers the single strategic question a company is currently being judged on, plus coverage of key financial metrics and indicators, commercial signals, competitive position, and key developments per quarter.

The Intelligence Council is editorially independent. No company reviews a Dossier before publication.

Sources and Methods

Dossiers are built from primary documents: SEC filings and statutory financials, earnings call and investor day transcripts, management presentations, rating agency and regulatory records, company press releases, and trade press. We also work the channels where operating problems surface before they reach an earnings call, including expert interviews with market participants, agent and broker forums, and practitioner communities. Equity analyst commentary is used to map where the sell-side disagrees and is treated as opinion rather than evidence.

Who Must Read a Dossier

  • C-Level, VP+, and board members across P&C carriers, brokers/MGAs, reinsurers, and insurtechs responsible for underwriting, distribution, capital, or strategy

  • Investors and capital providers evaluating the sector

  • Consultants, analysts, industry observers, and other market participants

Inside each Dossier

  1. Central Question: The single unresolved strategic question on which the company is being judged

  2. Vital Signs: Revenue, combined ratio, loss ratio, capital position, and the other numbers that matter, sourced directly from filings and calls

  3. What This Means For You: Implications broken out by Carriers; Brokers & Distribution; Reinsurers & Capital Providers; Investors & Board

  4. Signals Dashboard: Forward-looking indicators across customer momentum, competitive pressure, product, talent, financial viability, and governance

  5. Market Reality Check: What analysts, investors, and the press are actually saying, and where management is deflecting

  6. Commercial Momentum: Partnerships, launches, pricing changes, and M&A

  7. Competitive Position: Where the company is winning share, losing it, or ceding whitespace

  8. Business Model Anatomy: How the company makes money today and what's structurally changed

Update Frequency

Coverage initiated on 45 publicly traded companies, and those Dossiers will be released between July and September 2026, following Q2 earnings calls. Updates will be posted quarterly.

Dossiers on additional companies to launch after Q3/Q4 earnings calls as noted below.

Access

Beginning September 1, 2026, Dossier access will be limited to Premium-level individual or group subscribers, and our Enterprise Access customers. 

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Companies Covered

1. National Commercial & Multiline Carriers

  1. American International Group, Inc. (AIG)

  2. Chubb Limited (CB)

  3. CNA Financial Corporation (CNA)

  4. The Hartford (HIG)

  5. The Travelers Companies (TRV)

Initiating Coverage with Q3 2026 results:

  1. Berkshire Hathaway Inc. (BRK.B)

2. Regional & Standard Commercial Carriers 

  1. Selective Insurance Group (SIGI)

  2. The Hanover Insurance Group (THG)

Initiating Coverage with Q3 2026 results:

  1. Cincinnati Financial Corporation (CINF)

  2. Donegal Group Inc. (DGICA)

  3. Old Republic International Corporation (ORI)

  4. United Fire Group, Inc. (UFCS)

3. E&S and Specialty Underwriters

  1. American Financial Group (AFG)

  2. Assurant Inc. (AIZ)

  3. AXIS Capital Holdings (AXS)

  4. Bowhead Specialty Holdings (BOW)

  5. Kinsale Capital Group (KNSL)

  6. Markel Group (MKL)

  7. Skyward Specialty Insurance Group (SKWD)

  8. W. R. Berkley Corporation (WRB) 

Initiating Coverage with Q3 2026 results:

  1. AMERISAFE, Inc. (AMSF)

  2. Employers Holdings, Inc. (EIG)

  3. Global Indemnity Group, LLC (GBLI)

  4. James River Group Holdings, Inc. (JRVR)

  5. RLI Corp. (RLI)

  6. Trupanion, Inc. (TRUP)

4. Personal Lines Carriers

  1. Allstate Corporation (ALL)

  2. Erie Indemnity Company (ERIE)

  3. Kemper Corporation (KMPR)

  4. Mercury General Corporation (MCY)

  5. Progressive Corporation (PGR) 

Initiating Coverage with Q3 2026 results:

  1. Horace Mann Educators Corporation (HMN)

  2. Safety Insurance Group, Inc. (SAFT)

5. Digital-Native Carriers

  1. Hippo Holdings (HIPO)

  2. Lemonade Inc. (LMND)

  3. Root Inc. (ROOT)

6. Coastal & Catastrophe-Exposed Property Specialists

  1. HCI Group (HCI)

  2. Palomar Holdings (PLMR)

  3. Slide Insurance Holdings (SLDE)

Initiating Coverage with Q3 2026 results:

  1. American Coastal Insurance Corporation (ACIC)

  2. Heritage Insurance Holdings, Inc. (HRTG)

  3. Kingstone Companies, Inc. (KINS)

  4. Universal Insurance Holdings, Inc. (UVE)

7. Reinsurers & Bermuda Hybrids

  1. Arch Capital Group (ACGL)

  2. Everest Group (EG)

  3. RenaissanceRe Holdings (RNR)

  4. SiriusPoint Ltd. (SPNT)

Initiating Coverage with Q4 2026 results:

  1. Fidelis Insurance Holdings Limited (FIHL)

  2. Greenlight Capital Re, Ltd. (GLRE)

  3. Hamilton Insurance Group, Ltd. (HG)

8. Brokers, Wholesalers, MGAs & Agency Platforms

  1. Accelerant Holdings (ARX)

  2. Aon plc (AON)

  3. Arthur J. Gallagher & Co. (AJG)

  4. Brown & Brown Inc. (BRO)

  5. EverQuote Inc. (EVER)

  6. Goosehead Insurance (GSHD)

  7. Marsh & McLennan Companies (MRSH) 

  8. MediaAlpha Inc. (MAX)

  9. Neptune Insurance Holdings (NP)

  10. Ryan Specialty Holdings (RYAN)

  11. The Baldwin Insurance Group (BWIN)

  12. Willis Towers Watson (WTW)

Initiating Coverage with Q4 2026 results:

  1. Hagerty, Inc. (HGTY)

  2. TWFG, Inc. (TWFG)

9. P&C Technology, Data & Claims Services

  1. CCC Intelligent Solutions (CCCS)

  2. Guidewire Software (GWRE)

  3. Verisk Analytics (VRSK)

Initiating Coverage with Q4 2026 results:

  1. CorVel Corporation (CRVL)

  2. Crawford & Company (CRD.A / CRD.B)

10. Global Carriers with Major US Books

Initiating Coverage with Q4 2026 results:

  1. Allianz SE (XETRA: ALV)

  2. AXA SA (Euronext Paris: CS)

  3. Beazley plc (LSE: BEZ)

  4. Conduit Holdings Limited (LSE: CRE)

  5. Fairfax Financial Holdings Limited (TSX: FFH)

  6. Hannover Rück SE (XETRA: HNR1)

  7. Hiscox Ltd (LSE: HSX)

  8. Intact Financial Corporation (TSX: IFC)

  9. Lancashire Holdings Limited (LSE: LRE)

  10. MS&AD Insurance Group Holdings, Inc. (TSE: 8725)

  11. Munich Re (XETRA: MUV2)

  12. QBE Insurance Group Limited (ASX: QBE)

  13. SCOR SE (Euronext Paris: SCR)

  14. Sompo Holdings, Inc. (TSE: 8630)

  15. Swiss Re AG (SIX: SREN)

  16. Tokio Marine Holdings, Inc. (TSE: 8766)

  17. Zurich Insurance Group AG (SIX: ZURN)

Companies covered are subject to change at any time.

Disclaimer

A Dossier is not a stock recommendation and not an equity research product. It is independent competitive intelligence prepared for operating executives, and nothing in it constitutes investment advice or an offer to buy or sell any security. The Intelligence Council is not affiliated with, endorsed by, or compensated by any company for being covered in a Dossier. Analysis is built from sources believed to be reliable, though we make no warranty as to completeness or accuracy. Judgments and forward-looking assessments reflect our view as of the publication date and are subject to change without notice. Company names and marks are the property of their respective owners.

License

Dossiers are licensed to the named subscriber and may not be redistributed, resold, or republished outside the subscribing individual or organization, depending on the subscriber’s license, without written permission. Excerpting for internal use is permitted with attribution to The Intelligence Council.

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