Winter Executive Forum 2017
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1 Winter Executive Forum 2017 JANUARY 17-20, 2017 LOEWS DON CESAR ST. PETE BEACH, FLORIDA A Berkshire Hathaway Company
2 Winter Executive Forum 2017 JANUARY 17-20, 2017 LOEWS DON CESAR ST. PETE BEACH, FLORIDA Welcome Jim Whamond January 18, 2017 Winter Executive Forum 2017 January 18, 2017 Jim Whamond 2
3 Winter Executive Forum 2017 JANUARY 17-20, 2017 LOEWS DON CESAR ST. PETE BEACH, FLORIDA Thank You Winter Executive Forum 2017 January 18, 2017 Jim Whamond 3
4 Eating Our Broccoli Antitrust Guidelines Winter Executive Forum 2017 January 18, 2017 Jim Whamond 4
5 The antitrust laws aim to protect the public from agreements between competitors that affect the price or distribution of products while promoting fair and vigorous competition in the marketplace. As competitors in the market you will always act in your individual, competitive best interests. When competitors gather at meetings like this, however, there are legitimate concerns about the application of the antitrust laws to their discussions. This statement is intended to provide general guidance regarding the permissible areas of discussion. Generally speaking, the antitrust laws are designed to outlaw agreements in restraint of trade, monopolies and attempts to monopolize. They expressly prohibit price fixing, tying arrangements, refusals to deal or boycotts, and division of markets between competitors. There is a limited exemption from the antitrust laws because of the McCarran-Ferguson Act, but that limited exemption does not apply to meetings of this type. That exemption only extends to the business of insurance (that is, the exemption does not apply to insurers because of their status as insurers but only to the conduct of certain activities by insurers), and then only if the insurance activity is regulated by state law. In addition, insurers are not exempted by McCarran under any circumstances from Sherman Act antitrust liability for agreements to boycott, coerce or intimidate. Insurers are particularly susceptible to allegations of price fixing, and therefore should generally avoid communicating with other insurers regarding specific marketplace terms and conditions or the pricing or marketing of insurance products. Please give very careful consideration to the possible antitrust implications of what you say and do during this meeting. Avoid any discussion of prices, market allocation, product restrictions or any conduct that could be construed as boycott. Discussions of those kinds of topics may be held to be per se illegal, which means that intent is irrelevant (a plaintiff or prosecutor need not prove you intended to violate the antitrust laws or to affect competition). Other commercial activities between competitors may also be violations of antitrust laws if they constitute an unreasonable restraint of trade. It is of course always permissible to discuss matters which have already been publicly disclosed or are otherwise a matter of public record, and to discuss public policy issues and plans to affect public policy, so long as those discussions do not involve agreements in restraint of trade, monopolies and attempts to monopolize, price fixing, tying arrangements, refusals to deal or boycotts, and division of markets between competitors. Please stay within the formal agenda during the meetings each day, frame questions and answers in hypothetical terms, and avoid any informal or formal discussion with each other relating to specific company plans. (The antitrust laws do not apply to private discussions between an insurer and its reinsurer regarding the insurer s business plans, including but not limited to products and prices, again so long as those discussions do not involve agreements in restraint of trade, monopolies and attempts to monopolize, price fixing, tying arrangements, refusals to deal or boycotts, and division of markets between competitors.) Winter Executive Forum 2017 January 18, 2017 Jim Whamond 5
6 Logistics Presentations are available online at: genre.com/2017wef-presentations Wi-Fi Network: Loews_conf Password: N/A On-Site Planners Sonia Maldonado (mobile) Darcy Fragomeli (mobile) Winter Executive Forum 2017 January 18, 2017 Jim Whamond 6
7 Logistics Wednesday We are in King Charles Lunch at the Beach Pavilion Cocktails / Dinner on the Beach at 6:30 p.m. Thursday We will again be in King Charles Lunch at the Beach Pavilion Cocktails / Dinner in Del Prado 5 th floor at 6:30 p.m. Friday Departures and/or Golf (for those who opted in) Departure notices will have been shared, including transportation details for those who requested it. Winter Executive Forum 2017 January 18, 2017 Jim Whamond 7
8 Winter Executive Forum 2017 JANUARY 17-20, 2017 LOEWS DON CESAR ST. PETE BEACH, FLORIDA Executive Some Fun Forum to Start Jeopardy! off the Day! * Remember to phrase your answer in the form of a question! Winter Executive Forum 2017 January 18, 2017 Jim Whamond 8
9 Don CeSar for $500 What baseball team saved the Don CeSar? Winter Executive Forum 2017 January 18, 2017 Jim Whamond 9
10 Don CeSar for $1,000 What rock group shot a music video on the roof in 1985? Winter Executive Forum 2017 January 18, 2017 Jim Whamond 10
11 Double Jeopardy! What last name does Gen Re's new CEO prefer? Winter Executive Forum 2017 January 18, 2017 Jim Whamond 11
12 Who s Here Attending this year s Winter Executive Forum Largest attendance ever 94 guests 66 companies $47B of premium 50% commercial 50% personal 93% average combined ratio 80% combined ratio <100% Length of Relationship with Gen Re Within the last 5 years No. of companies 21 Between 6-15 years 19 Average tenure Between years 16 is 14 years. Over 25 years 7 Over 45 years 3 Winter Executive Forum 2017 January 18, 2017 Jim Whamond 12
13 Winter Executive Forum 2017 JANUARY 17-20, 2017 LOEWS DON CESAR ST. PETE BEACH, FLORIDA Our Goals for the Executive Forum Winter Executive Forum 2017 January 18, 2017 Jim Whamond 13
14 Flashback to 2016 In Lieu of Your Current Business Would You Write a Quota Share of the Industry for 2016? In 2015, the industry produced a 96.9% combined ratio Winter Executive Forum 2017 January 18, 2017 Jim Whamond 14
15 Flashback to 2016 Most believed they would outperform the Index. We put forth content with the goal of helping find ways to outperform. So far, the Index for 2016 looks to be pretty close to 100% combined ratio. Winter Executive Forum 2017 January 18, 2017 Jim Whamond 15
16 Fast Forward to 2017 Today, we put forth the same question: Would you choose the Industry Index for 2017? Winter Executive Forum 2017 January 18, 2017 Jim Whamond 16
17 What s Changed in the Last Year Investment Income down again U/W Result has deteriorated Industry Surplus at all-time high Auto Trend has become much more recognized and widely spread Catastrophes up YOY, but no market changing event M&A continues to be significant Actual vs. Expected has begun to invert Use of QS in lieu of capital has increased Winter Executive Forum 2017 January 18, 2017 Jim Whamond 17
18 Fast Forward to 2017 Very little to support improvement at an Industry level To generate good returns companies will have to outperform in a bigger way than before. Strong Underwriting Results and Operational Excellence are more important than ever. Winter Executive Forum 2017 January 18, 2017 Jim Whamond 18
19 Our Goal for the Next Few Days Provide Valuable Content / Expertise Winter Executive Forum 2017 January 18, 2017 Jim Whamond 19
20 Content and Expertise Industry Update for 2017 A.M. Best 2017 personal & commercial lines outlook Auto Trend update What s happening in Washington Economic and capital markets outlook Update on Board Governance issues Role of Leadership in helping organizations adapt to change Winter Executive Forum 2017 January 18, 2017 Jim Whamond 20
21 Content and Expertise Impact of digital technology on consumers and their expectations Identifying and managing high risk claims Assignment of benefits lessons to be learned Cyber Risks faced by insurers and insureds UAS regulations, requirements to operate and underwriting considerations Simplifying the Customer / Agent Experience Thoughts from Gen Re Management Winter Executive Forum 2017 January 18, 2017 Jim Whamond 21
22 Our Goal for the Next Few Days Provide Valuable Content / Expertise Benefit from Community Winter Executive Forum 2017 January 18, 2017 Jim Whamond 22
23 Our Goal for the Next Few Days Our Community 40 CEO / President 5 CFO 15 EVP / SVP 13 COO / CUO / CMO 18 Other Management 3 Board Member Winter Executive Forum 2017 January 18, 2017 Jim Whamond 23
24 Our Goal for the Next Few Days Provide Valuable Content / Expertise Benefit from Community Challenge Each Other Create Constructive Tension Stretch Our Collective Learning Winter Executive Forum 2017 January 18, 2017 Jim Whamond 24
25 Let s Start the Year Strong and Outperform in 2017! Winter Executive Forum 2017 January 18, 2017 Jim Whamond 25
26 Winter Executive Forum 2017 JANUARY 17-20, 2017 LOEWS DON CESAR ST. PETE BEACH, FLORIDA Thank You Jim Whamond Winter Executive Forum 2017 January 18, 2017 Jim Whamond 26
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