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 SegmentOutlookPDF
 North America - Property/Casualty Markets  
 US Personal LinesNegative 
 HomeownersStable 
 Personal AutoNegative 
 US Commercial LinesStable 
 Commercial AutoNegative 
 Commercial PropertyStable 
 Excess & Surplus LinesStable 
 General LiabilityNegative 
 Medical Professional LiabilityNegative 
 Private Mortgage InsurersStable 
 Professional LiabilityNegative 
 SuretyStable 
 TitleStable 
 Workers' CompensationStable 
 Canada Property/CasualtyStable 
 North America - Life/Health Markets  
 US Life/AnnuityStable 
 LifeStable 
 AnnuitiesStable 
 US HealthStable 
 Disability InsuranceNegative 
 Long-Term CareNegative 
 Supplemental HealthStable 
 Canada Life/AnnuityStable 
 Reinsurance  
 Global ReinsuranceStable 
 Global Life ReinsuranceStable 
 Global Non-Life ReinsuranceStable 
 London Market InsuranceStable 
 Europe, Middle East, and Africa (EMEA)  
 France LifeNegative 
 France Non-LifeNegative 
 Germany LifeNegative 
 Germany Non-LifeNegative 
 Gulf Cooperation Council (GCC) RegionStable 
 Italy LifeNegative 
 Italy Non-LifeNegative 
 Spain LifeNegative 
 Spain Non-LifeNegative 
 UK LifeStable 
 UK Non-LifeNegative 
 Asia-Pacific  
 China Non-LifeNegative 
 India Non-LifeNegative 
 Indonesia Non-LifeNegative 
 Japan LifeStable 
 Japan Non-LifeStable 
 Malaysia Non-LifeStable 
 Philippines Non-LifeStable 
 South Korea Non-LifeStable 
 Taiwan Non-LifeNegative 
 Vietnam Non-LifeStable 
 Latin America  
 Argentina InsuranceNegative 
 Brazil ReinsuranceNegative 
 Chile InsuranceStable 
 Colombia InsuranceNegative 
 Costa Rica InsuranceStable 
 Guatemala InsuranceStable 
 Mexico InsuranceNegative 
 Panama InsuranceNegative 
 Peru InsuranceNegative