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2019 Mid-year Report

Annual Survey Results

The Future of

2019 Insights: Technology and Climate Change Creating Today’s Risks and Opportunities

Last year, we surveyed brokers and small and medium enterprises (SMEs) in the U.K. and the U.S. to learn how they perceive the evolving insurance landscape, how they think the changes will affect them and how they plan to respond. The responses highlighted the urgent issues – risks, uncertainty and talent gap – facing the insurance industry.

We relaunched our annual survey to see how their perspectives have changed over the past 12 months. As you will see, the results are largely in line with 2018’s survey responses, but some interesting changes show how the industry is evolving.

Both SMEs and brokers are learning more about the effects that risk areas such as cryptocurrency, autonomous vehicles and climate change are having – and are expected to have – on the industry. We learned more about the societal and human dimensions of insurance in a series of questions introduced in this year’s survey. Also, we revisited the talent gap and learned some of the ways the industry can attract new talent with a broad set of skills and perspectives to help guide us through the innovation and change we face.

Methodology: CoreData Research surveyed brokers and SMEs in both the U.K. and the U.S. to obtain a detailed understanding of their attitudes and opinions about a range of factors that will affect the insurance industry in the future. All interviews were conducted in May and June of 2019.

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This 2019 Mid-Year Report may include forward-looking statements, both with respect to Argo Group and its industry, that reflect our current views with respect to future events and financial performance. Forward-looking statements include all statements that do not relate solely to historical or current facts and can be identified by the use of words such as “expect,” “intend,” “plan,” “believe,” “do not believe,” “aim,” “project,” “anticipate,” “seek,” “will,” “likely,” “assume,” “estimate,” “may,” “continue,” “guidance,” “objective,” “outlook,” “trends,” “future,” “could,” “would,” “should,” “target,” “on track” and similar expressions of a future or forward-looking nature. All forward-looking statements address matters that involve risks and uncertainties, many of which are beyond Argo Group’s control. Accordingly, there are or will be important factors that could cause actual results to differ materially from those indicated in such statements, and therefore, you should not place undue reliance on any such statements. These statements are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. For further information, please see the Forward-Looking Statements disclosure in the 2019 Mid-Year Report.