Thank you, Todd.
color segments. Let me more provide some by
from Casualty grew our spread was Growth all coming almost the segment mentioned, XX%. products. wide by Todd As of
Brokerage we general X%. of to Our and business. which by XX% continue liability stay Submissions coverage up in for primary Casualty group, liability front as rises were and excess grew producers ask
competitors the entering chance more to and us development new Some continue a time, that and restricting At carriers same giving their appetite, are MGAs be adverse there opportunities. to see loss market. have experienced
trend we to claims resolve, As incorporated development longer a into Todd have we mentioned, taking that are loss factors. our seeing
in In [ we participant so making market. adjustments underwriters closely as can exemption ] addition, needed, rate our dedicated our a claim examiners with consistent the remain work
grew in competitors remains This for XX%. Our our XX% target some which a transportation division abuse. by legal rethink their solutions. has This increase strategies, area system caused a to supported
maintaining adequate selection risk and are rates. on We focused
We business as alternative have walked lot away new under cautious, from became on remain are We see priced new products, retained. in the this we opportunity Investments in off a VNS accounts offerings an provide and including a of and our achieved moving and but market. we pay increase to to that storage rate starting XX% producers. a
XX% this a rate Personal a in We umbrella growth supported the actively book. effective adequacy which rate is by approval given grew nationwide rate the quarter. increase, XX%, third in monitor including
as carriers our to issues, homeowners focus continue for product. or underlying business win We stand-alone creating auto opportunities new on
feedback regular underwriters actuaries, claim book. our to the this helping and in is our dedicated growth leaders product Our team optimize providing
The service Directors group, focuses contracting only management coverages. liability segment the which is our area Officers other on is and casualty that of & insurance Executive Products
insurance, is most the book space. about public which is competitive Our X/X company
growing and choose, to change We stable pick in business while change business. company win. walk Overall, can quarter. the It which on away from the this appears rate increase, which private getting was were the are difficult focused the on is accounts we quarter, a Rates REIT from. matches we bit market casualty so give is accounts space, more down in to X% in which rate X% last and new
of increase ratio combined from quarter's last -- quarter. notable is On a a third XX.X%
the our between collaboration strong to with place and evolves. market in support optimize underwriting, system the as teams continuously analytical have We our claims approach
due Surety from remains The by growth fierce. winning Surety X%. Contract cost premium to as competition and XX% as grew a pace segment Commercial transactional the as new with the surety well materials lift the of at grew business. slower led elevated way
be disparity in financial as conditions a We strength. individual continue selective creating to economic and inflation company's are
for this on XX.X% underwriting for producers activity combined the large any reflects Surety focus discipline the quarter. Our our is segment our and loss of of educating appetite. in lack The marketing ratio and
influenced property wildfire with was by by third Hawaii heavily segment start the grew Last Lahaina year's I'll homeowners. XX%. Finally, quarter loss. the
to our XX% increase over for XX% more quarter. loss the handling, with continue insurance. this reported our we becoming effective service-oriented resolution increase core the is of in approvals and that evidenced back, by underwriting quarter growth paid report of see pulling Rate fourth X% to the customer happy this in Claim our are book totaled to with in premiums competitors Due been our business. has We proactive claim to rate quarter. as the select
by Marine also the third quarter. grew XX% in
and We through responsive identify conversations brokers. are with our very opportunities
add addition, we to to book. In continue rate the
This market. the see to rate lot achieved business X% wholesale opportunities a of increase. of We the gravitation quarter, we a in
rates exposure Group prepared immediately our Beryl's active been level, to the and while hurricane Throughout season, Hurricane landfall an starting Our in early-July the Hurricane claims, maintaining in continuing in year policy Florida. granular by grew staying following quarter. us the E&S X% in giving very terms and capturing with staff profit. diligent The and and is remain arrives event. and increase over premium the basis, claims early-October a hurricane and underwriting at in Milton an mobilize the through to other foundation last an resolve conditions we producing earning when season, through Property It's
at We to presence claim to us. a have as assist continue our insurers physical Florida need they
quantify boots our weeks X than the our after loss on extent damage estimate the ability Milton demonstrated to a today, event. as of the timely on ground less supports Our by basis, our and provided approach inform estimate
events. recent In softening from most market been peak terms of has to market conditions, prior the property a the
third timely with fairly on to year. to trying our quickly rates continuing is as X% new the and rate too are renewals feedback cold early react flat. the to change staying focused hurricane we What quarter, were most business, E&S to to available In hurricanes our It's to retain down for resolve as X claims property carriers providing overall and possible. producers, this MGAs and sizable
has we competition recedes, aggressive exposure room Our last decreased as advantage market. take became in year more competition that the any market. to the have changes the in some of over If
to This quarter our execute. ability showcased
Over additional staff, improve to RLI in with tools invested processes. the we've and last few community years, the training
enabling resolve and our investments have to ease relationships producer Particularly We resulting profitable significant enhances also technology investing of as that time effectively. and in These are in technology. growth. more as use claims claims staff resources well spent
grew This ratio. and we XX.X% an produced combined premium XX% quarter, by
to the have strong. We're for ratio XX% X finish this, sitting what We an we're can quarters year. we doing and on combined behind
the over the to will With it call turn I open to that, up moderator to questions.
