Analysis

Top 50 Insurers: Does size really matter for underwriting profitability?

By 2025-10-10T07:00:00

big and small, strawberry

Although larger insurers understandably take advantage of economies of scale, smaller firms have obtained profitable results for the first time in three years thanks to specialist know-how and improvements in loss and expense ratios

Insurance Times’ annual Top 50 Insurers report features the largest non-life insurers operating across the UK and Gibraltar, depicting a spectrum of firms that control more than £81bn of gross written premium (GWP).

But what role does size play when it comes to delivering profitable underwriting results? And does a big book of business really mean bigger profits?

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