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Australian Insurers Brace for Earnings Slowdown After Record Profits

Navigating the Shift from Peak Profitability to Sustainable Growth

Australian Insurers Brace for Earnings Slowdown After Record Profits?w=400

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After achieving a return on equity (ROE) of 19% in the last financial year-the highest in a decade-Australian general insurers are preparing for a moderation in earnings growth.
Consultancy firm Finity projects that the industry's ROE will decrease by six percentage points to 13% in the current financial year, aligning with the target range of 10% to 15%.

This anticipated slowdown is attributed to several factors, including a moderation in premium growth and softening market conditions in certain commercial insurance classes. Finity's annual sector review indicates that while gross written premium (GWP) grew by 6% in the previous year, this growth rate is expected to slow to 4.5% in the current year. Personal lines GWP, which saw a 9% increase, is projected to ease to 6%, reflecting more moderate claims inflation.

For real estate professionals, this shift in the insurance industry's financial landscape may have implications for the availability and pricing of insurance products. As insurers adjust to changing market conditions, it's essential for real estate agents to stay informed about potential changes in coverage options and premium rates. Proactive engagement with insurance providers can help ensure that real estate businesses maintain adequate protection against evolving risks.

In conclusion, while the insurance industry's recent profitability highlights its resilience, the forecasted earnings slowdown suggests a period of adjustment. Insurers and policyholders alike should remain vigilant, adapting to market dynamics to sustain financial stability and comprehensive coverage.

Published:Thursday, 20th Nov 2025
Source: Paige Estritori

Please Note: If this information affects you, seek advice from a licensed professional.

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