As 2015 began, we knew that increased pressure from national carriers would require an aggressive Personal Lines strategy—and we were prepared. For several years we had been transforming our operation, and by mid-year our ability to make dynamic and precise adjustments to


our pricing and coverages had paid off. With a laser focus on our fluid marketplace, we implemented rate changes as needed while introducing a number of products and enhancements, such as Disappearing Deductible Rewards Plus and Accident Forgiveness. By year’s end, Arbella Personal Lines had grown premium by 7.3 percent, policy count by 6.2 percent, and beat overall plan by $40 million. Even as direct writers continued to burn into the state, Arbella increased its market share in Massachusetts Private Passenger Auto to 10 percent.


We could not have achieved this success without the partnership of our independent agents. Our new Portfolio Underwriting program helped 40 agents develop their optimal book of business by identifying specific opportunities to improve their loss ratios. Feedback on the program was very positive, and the majority of participants showed significant improvement.


Our talented employees are the foundation of our success, and we recognized their strong contributions to Arbella and their capacity to contribute even more. Multiple training and development initiatives prepared employees for new opportunities, and we were pleased to promote 10 of our talented professionals to positions of greater responsibility.


Looking ahead, we will continue to adapt and respond to the changing weather and marketplace, and make adjust- ments as needed to our products, pricing, and coverages. We will provide our employees with new opportunities to grow and develop with us. And, we will partner effectively with our valued independent agents to drive mutual profitable growth.


“Arbella’s portfolio review process helps us determine exactly how to improve our loss ratio. Most carriers don’t offer this level of service, so we really appreciate Arbella’s support.” – Paul Burke, president, Hadley Insurit Group


2015 ANN UAL RE PO RT


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