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The Premium Report on Direct Property and Casualty Insurance Carriers contains information used by Marketing Departments in many of the Fortune 1,000 companies and beyond. The report helps identify industry changes, trends, key players, and growth opportunities.

Contents:
Current State of the Industry
Market Size
Market Forecast
Products and Services Breakdown
Financial Statements - Income Statement
Salary & Compensation Statistics
Key Companies
Public Company News
Largest Government Vendors

Current State of the Direct Property and Casualty Insurance Carriers Industry

This section provides answers to five fundamental and commonly-asked questions about the industry:

1. What is the total market size ($ millions)?
2. How much has the market grown or declined?
3. Are long term forecasts positive or negative?
4. How large is the average company?
5. How many companies are in the industry?

Market Size - Direct Property and Casualty Insurance Carriers

The total U.S. market size for the Direct Property and Casualty Insurance Carriers industry includes all companies, both public and private. In addition to total revenue, the table contains details on employees, companies, and average firm size.

Metrics	2004        2005        2006        2007        2008        2009
Market Size (Total Industry Sales)		Available Included with Instant Access Order at top of page
Total Firms
Total Locations (Headquarters and Branches)
Total Employees
Average Revenue Per Firm
Average Employees Per Firm

Source: Analysis of US Census data, updated June 8 2010

Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Market Forecast - Direct Property and Casualty Insurance Carriers

Market forecasts show the long term outlook for the Direct Property and Casualty Insurance Carriers industry. The following five-year forecast utilizes advanced econometric techniques that take into account both short-term and long-term industry trends.

Forecast	2009	2010	2011	2012	2013	2014
Revenue ($ billion)	AVAILABLE

Source: AnythingResearch.com Economic Analysis

Income Statement (Average Financial Metrics) - Direct Property and Casualty Insurance Carriers

Financial metrics provide a snapshot view of an "average" company in the Direct Property and Casualty Insurance Carriers industry. Key business metrics show revenue and operating costs. The data collected is industry-wide, covering both public and private companies in the industry.

	Industry Average	Percent of Sales
Total Revenue	AVAILABLE Included in Report Order at top of page
Operating Revenue
Cost of Goods Sold
Gross Profit
Operating Expenses
Pension, profit sharing plans, stock, annuity
Repairs
Rent paid on business property
Charitable Contributions
Depletion
Domestic production activities deduction
Advertising
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
Depreciation
Amortization
Other Operating Expenses
Total Operating Expenses
Operating Income
Non-Operating Income
EBIT (Earnings Before Interest and Taxes)
Interest Expense
Earnings Before Taxes
Income Tax
Net Profit

Source: Analysis of U.S. federal statistics

Financial Ratio Analysis - Direct Property and Casualty Insurance Carriers

Financial ratios can be used to compare how a company in the Direct Property and Casualty Insurance Carriers industry is performing relative to its peers. Financial ratios are calculated from the industry-average for income statements and balance sheets.

Liquidity Ratios - Direct Property and Casualty Insurance Carriers Industry	Industry Average
Liquidity Ratios measure how liquid a business is. Bankers and suppliers may use these to determine creditworthiness and identify potential threats to a company's financial viability.
Current Ratio Measures a firm's ability to pay its debts over the next 12 months.	Included
Quick Ratio (Acid Test) Calculates liquid assets relative to liabilities, excluding inventories.	Included

Efficiency Ratios - Direct Property and Casualty Insurance Carriers Industry	Industry Average
Efficiency Ratios measure how quickly products and services sell, and effectively collections policies are implemented.
Receivables Turnover Ratio If this number is low compared to the industry average, it may mean your payment terms are too lenient or that you are not doing a good enough job on collections.	Included
Average Collection Period Based on the Receivables Turnover Ratio, this estimates the collection period in days. Calculated as 365 divided by the Receivables Turnover Ratio	Included
Inventory Turnover Ratio A low turnover rate may point to overstocking, obsolescence, or deficiencies in the product line or marketing effort.	Included
Fixed-Asset Turnover Ratio Generally, a higher ratio is better, since it indicates the business has less money tied up in fixed assets for each dollar of sales revenue.	Included

Geographic Distribution

The concentration of employees by states indicates how the industry (companies and workforce) is distributed throughout the country.

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Move mouse over states to see employment numbers
Note: Round numbers are estimates. Precise numbers are actuals.

Source: US Census

Compensation & Salary Surveys for Employees Working in Direct Property and Casualty Insurance Carriers

Compensation statistics provides an accurate assessment of jobs in the Direct Property and Casualty Insurance Carriers industry and national salary averages. This information can be used to asses which positions are most common, and high, low, and average annual wages.

Title	Percent of Workforce	Bottom Quartile	Average (Median) Salary	Upper Quartile
Management occupations	7%	AVAILABLE Included in Report Order at top of page
Chief executives	0%
General and operations managers	2%
Business and financial operations occupations	35%
Claims adjusters, examiners, and investigators	16%
Insurance underwriters	8%
Computer and mathematical science occupations	7%
Sales and related occupations	8%
Insurance sales agents	7%
Office and administrative support occupations	35%
Customer service representatives	8%
Insurance claims and policy processing clerks	10%

Source: Bureau of Labor Statistics

Companies in Direct Property and Casualty Insurance Carriers and Adjacent Industries

Company	Address	Key Contact
AVAILABLE	AVAILABLE	AVAILABLE

Public Direct Property and Casualty Insurance Carriers Company News

Web scan for recent news about publicly traded companies in the Direct Property and Casualty Insurance Carriers industry.

Government Contracts Related to Direct Property and Casualty Insurance Carriers

In 2008, the federal government spent a total of $324,525 on Direct Property and Casualty Insurance Carriers. It has awarded 34 contracts to 8 companies, with an average value of $40,566 per company.   

Top government vendors:

Company	Federal Contracts	Total Award Amount
AVAILABLE	AVAILABLE	AVAILABLE

The Industry Report on Direct Property and Casualty Insurance Carriers contains the key pieces of information used by strategy and management consultants to identify market trends and accurately measure growth and industry performance.

Contents:
Current State of the Industry
Market Size
Financial Statements - Income Statement
Salary & Compensation Statistics
Key Companies
Public Company News

Current State of the Direct Property and Casualty Insurance Carriers Industry

This section provides answers to five fundamental and commonly-asked questions about the industry:

1. What is the total market size ($ millions)?
2. How much has the market grown or declined?
3. Are long term forecasts positive or negative?
4. How large is the average company?
5. How many companies are in the industry?

Market Size - Direct Property and Casualty Insurance Carriers

The total U.S. market size for the Direct Property and Casualty Insurance Carriers industry includes all companies, both public and private. In addition to total revenue, the table contains details on employees, companies, and average firm size.

Metrics	2004        2005        2006        2007        2008        2009
Market Size (Total Industry Sales)		Available Included with Instant Access Order at top of page
Total Firms
Total Locations (Headquarters and Branches)
Total Employees
Average Revenue Per Firm
Average Employees Per Firm

Source: Analysis of US Census data, updated June 8 2010

Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Income Statement (Average Financial Metrics) - Direct Property and Casualty Insurance Carriers

Financial metrics provide a snapshot view of an "average" company in the Direct Property and Casualty Insurance Carriers industry. Key business metrics show revenue and operating costs. The data collected is industry-wide, covering both public and private companies in the industry.

	Industry Average	Percent of Sales
Total Revenue	AVAILABLE Included in Report Order at top of page
Operating Revenue
Cost of Goods Sold
Gross Profit
Operating Expenses
Pension, profit sharing plans, stock, annuity
Repairs
Rent paid on business property
Charitable Contributions
Depletion
Domestic production activities deduction
Advertising
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
Depreciation
Amortization
Other Operating Expenses
Total Operating Expenses
Operating Income
Non-Operating Income
EBIT (Earnings Before Interest and Taxes)
Interest Expense
Earnings Before Taxes
Income Tax
Net Profit

Source: Analysis of U.S. federal statistics

Financial Ratio Analysis - Direct Property and Casualty Insurance Carriers

Financial ratios can be used to compare how a company in the Direct Property and Casualty Insurance Carriers industry is performing relative to its peers. Financial ratios are calculated from the industry-average for income statements and balance sheets.

Liquidity Ratios - Direct Property and Casualty Insurance Carriers Industry	Industry Average
Liquidity Ratios measure how liquid a business is. Bankers and suppliers may use these to determine creditworthiness and identify potential threats to a company's financial viability.
Current Ratio Measures a firm's ability to pay its debts over the next 12 months.	Included
Quick Ratio (Acid Test) Calculates liquid assets relative to liabilities, excluding inventories.	Included

Efficiency Ratios - Direct Property and Casualty Insurance Carriers Industry	Industry Average
Efficiency Ratios measure how quickly products and services sell, and effectively collections policies are implemented.
Receivables Turnover Ratio If this number is low compared to the industry average, it may mean your payment terms are too lenient or that you are not doing a good enough job on collections.	Included
Average Collection Period Based on the Receivables Turnover Ratio, this estimates the collection period in days. Calculated as 365 divided by the Receivables Turnover Ratio	Included
Inventory Turnover Ratio A low turnover rate may point to overstocking, obsolescence, or deficiencies in the product line or marketing effort.	Included
Fixed-Asset Turnover Ratio Generally, a higher ratio is better, since it indicates the business has less money tied up in fixed assets for each dollar of sales revenue.	Included

Compensation & Salary Surveys for Employees Working in Direct Property and Casualty Insurance Carriers

Compensation statistics provides an accurate assessment of jobs in the Direct Property and Casualty Insurance Carriers industry and national salary averages. This information can be used to asses which positions are most common, and high, low, and average annual wages.

Title	Percent of Workforce	Bottom Quartile	Average (Median) Salary	Upper Quartile
Management occupations	7%	AVAILABLE Included in Report Order at top of page
Chief executives	0%
General and operations managers	2%
Business and financial operations occupations	35%
Claims adjusters, examiners, and investigators	16%
Insurance underwriters	8%
Computer and mathematical science occupations	7%
Sales and related occupations	8%
Insurance sales agents	7%
Office and administrative support occupations	35%
Customer service representatives	8%
Insurance claims and policy processing clerks	10%

Source: Bureau of Labor Statistics

Companies in Direct Property and Casualty Insurance Carriers and Adjacent Industries

Company	Address	Key Contact
AVAILABLE	AVAILABLE	AVAILABLE

Public Direct Property and Casualty Insurance Carriers Company News

Web scan for recent news about publicly traded companies in the Direct Property and Casualty Insurance Carriers industry.

• Fixes coming for NY's medical malpractice crisis: New York will soon get a look at a long-awaited proposal for reforming medical malpractice insurance. With a two-year state moratorium on rate hikes for medical malpractice insurance due to expire July 1, a new package of proposals is floating in Albany's executive branch. Tort reform is not currently included in the package, but a $362 million surcharge on homeowners' insurance and auto ...
• Insential Announces the Acquisition of Source One Benefits: PLANO, Texas----Dallas based Insential, Inc., a national full-service wholesale agency, acquires Source One Benefits, Inc., a Chicago based wholesale general agent of ancillary benefits.
• SunGard Earns Top Marks in Novaricas ACE Gold Ranking Report: SunGard has received a score of 95 out of 100 in "overall customer satisfaction" for its iWorks EAS accounting and reporting solution, in the April 2010 Novarica Average Customer Experience (ACE) Gold Ranking Report
• Innovation Group Congratulates Hertz for Their VIP Standards and Technology Best Practice Award: Innovation Group, a global provider of enterprise software and business process outsourcing solutions to the property and casualty insurance industry, is pleased to congratulate Hertz Europe and their claims management division, HCM, for their recognition by Insurance Networking News (INN) and Celent as the third place winner of the 2010 VIP Standards and Technology Best Practice Award out of ...
• Innovation Group Congratulates Hertz for Their VIP Standards and Technology Best Practice Award: Hertz Recognized at the Vanguards in Insurance Practices ("VIP") Awards for Standards and Technology
• Innovation Group Congratulates Hertz for Their VIP Standards and Technology Best Practice Award: FARMINGTON, CT and WHITELEY, UK--(Marketwire - 06/07/10) - Innovation Group, a global provider of enterprise software and business process outsourcing solutions to the property and casualty insurance industry, is pleased to congratulate Hertz Europe and their claims management division, HCM, for their recognition by Insurance Networking News (INN) and Celent as the third place winner of the 2010 ...
• GuideWire Software Announces Billing Market Survey Results: GRAPEVINE, Texas----At the Insurance and Accounting Systems Association conference, Guidewire Software�, a leading provider of flexible core systems to property/casualty insurers, today announced the results of its latest Billing Market Survey.
• June 1, 2010 52-Week Low Wrap-Up: ATK, ADG, BP, DVR, CNBC, DO, EEFT, GBL, HTH, HERO, HOS, TNDM,: By Patrick Goldin. For June 1, 87 companies reached a new 52-week low. Of these companies, these are the ones that look interesting based upon my preliminary research: Read more � �
• Liberty Mutual Recognized for Outstanding Service to Mid-Sized Companies: BOSTON----Liberty Mutual recently earned awards for outstanding national and regional customer service to middle market companies based on findings from the latest annual survey of more than 9,000 middle market companies by Greenwich Associates.
• A.M. Best Affirms Ratings of Unitrin, Inc. and Its Subsidiaries: OLDWICK, N.J.----A.M. Best Co. has affirmed the financial strength rating of A- and issuer credit ratings of a- of Unitrin Property and Casualty Insurance Group and its members.
• StoneRiver Adds Billing Offering to Stream Solution Set: Billing Stream is designed to maximize real-time processing and support standard direct bill functionality, including single policy- and account-level billing, and multiple payment options, such as electronic funds transfer, credit cards, mortgagee billing, and payroll deduction.
• Chuck Royce Q1 Portfolio Update: Chuck Royce likes to invest in small cap stocks. He thinks that quality companies exist throughout the equity universe; investors should be expecting 6-9% a year for the decade. This is Q1 portfolio update of Royce Funds. Read more � �
• Hewitt on Europe: Greeks get details of bitter medicine from EU
• Should the burka be banned in public?: Belgium's parliament votes for a law banning women from wearing the burka in public. Your views?
• United Fire Reports First Quarter 2010 Results: CEDAR RAPIDS, Iowa -- United Fire & Casualty Company today reports our first quarter 2010 financial results.

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