CLAVE 1 / 497.1% loss ratio in 2010 left insurers with a 2.9% underwriting margin.
CLAVE 2 / 4Captives return underwriting profits and investment income to fleets, not insurers.
CLAVE 3 / 4Bottom 30% of performers in standard markets offset losses for all insureds.
CLAVE 4 / 4Group captives limit pools to best-in-class operators, stabilising rates year-on-year.
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