solvency ratio

The solvency ratio is a key metric comparing an insurer’s available own funds to its required capital, providing a snapshot of the company’s capacity to absorb losses and meet obligations. A strong ratio supports policyholder confidence, credit ratings, and regulatory approval for strategic initiatives like dividends or acquisitions. Insurance professionals monitor solvency ratios closely, using capital optimisation, reinsurance, and balance‑sheet management to maintain buffers while still deploying capital efficiently across lines of business and geographies.

Read the latest solvency ratio news stories below!

Is London's insurance dominance under threat?

New report shows major slip for London as an insurance centre – is it biased?

Lloyd's insurer's Chinese parent among names on Beijing's $54bn bailout list

How China’s mega financial sector bail-out could benefit UK insurance industry

Rates are falling faster than claims are - the UK industry knows what happens next

Lloyd’s announces it has turned down £5.1 billion of business – even as global insurers have posted their best underwriting result in 20 years

Lloyd's puts a number on the Iran conflict for the first time - and flags a tougher year ahead

Half-year results confirm £1.4 billion of losses tied directly to the Middle East conflict as market turns away more new business than it accepts

Lloyd's rates fell 6.7% in H1 - nearly twice the pace of last year. Brokers should be watching

The headline combined ratio looks fine. The underlying one is rising, the corporation is warning syndicates about discipline, and property cat, cyber, and specialty are softening fastest. Here is what that means for placement

Ageas H1 results show the UK personal lines market tightening

Ageas posted 89,000 policies through its Connells platform in under six months without running a single one through a broker

Swedish Club posts 96% combined ratio and $282 million in free reserves at H1

Four consecutive periods of combined ratio improvement, and a February renewal where tonnage grew nearly 8% despite a 5% general increase. The pattern is worth noting when placing marine business

Admiral's profit falls 18% as UK motor cycle turns

A £429m first-half result looks weak against the exceptional H1 2025 comparison, but customer numbers are growing, rates are rising ahead of the market, and Flock signals where Admiral's ambitions are pointing