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The core of the firm’s bearish thesis centers on a massive pool of routine, low-complexity insurance policies. The BofA analysts, Joshua Shanker, Joseph Tumillo, Cyril Onyango, and Fatima Keita, looked at just six major carriers catering to small businesses and personal lines: Travelers, Hartford, Progressive, Cincinnati Financial, Hanover, and Selective. From these six companies alone, BofA identified over $15 billion in commissions paid to independent agents in 2025 that largely skew toward low-complexity risks.
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2026-03-07 00:00:00:03014380010http://paper.people.com.cn/rmrb/pc/content/202603/07/content_30143800.htmlhttp://paper.people.com.cn/rmrb/pad/content/202603/07/content_30143800.html11921 杭州萧山 让青年与城市“双向奔赴”、共创未来