Articles by Joseph L. Petrelli

Petrelli is the president and co-founder of Demotech, Inc., a Columbus, Ohio-based financial analysis and actuarial services firm. Visit Demotech.com for additional information.

The Treasure State – Yellowstone, Moose and Legalized Gambling

The United States Census Bureau’s Census 2000 estimated the population of the State of Montana at 902,195. Approximately 87 percent of the adult residents had graduated from high school and about 24 percent had earned a bachelor’s degree or higher. …

Most Recent Hard Market May Be Past Its Prime

Over the period 1989 through 2001, the property/casualty insurance marketplace saw direct written premium grow from $228 billion to nearly $362 billion. This represented a compound rate of increase of approximately 4 percent per year. Over that same period, direct …

Regional Focus

Former Speaker of the House Tip O’Neill was attributed with the comment that ‘all politics are local.’ The same could be said for the insurance industry—insurance coverage is definitely local. In addition, there continues to be a shift of business …

Idaho: More than Snowcapped Peaks, Plateaus and Potatoes

The United States Census Bureau’s Census 2000 estimated the population of the State of Idaho at 1,293,953. Approximately 85 percent of the adult residents had graduated from high school and about 22 percent had earned a bachelor’s degree or higher. …

Regional Focus

Former Speaker of the House Tip O’Neill once famously said, “All politics is local.” The same could be said for the insurance industry—insurance coverage is definitely local. In addition, there continues to be a shift of business within the independent …

Regional Focus

Former Speaker of the House Tip O’Neill was attributed with the comment that “all politics are local.” The same could be said for the insurance industry—insurance coverage is definitely local. In addition, there continues to be a shift of business …

The Silver State – Sagebrush, Hoover Dam and Vegas

The United States Census Bureau’s Census 2000 estimated the population of the State of Nevada at 1,998,257. Approximately 81 percent of the adult residents had graduated from high school and about 18 percent had earned a bachelor’s degree or higher. …

Regional Focus

Former Speaker of the House Tip O’Neill was attributed with the comment that “all politics are local.” The same could be said for the insurance industry—insurance coverage is definitely local. In addition, there continues to be a shift of business …

Alabama – More than the Heart of Dixie

The United States Census Bureau’s Census 2000 estimated the population of the State of Alabama at 4,447,100. Approximately 75 percent of the adult residents had graduated from high school and about 19 percent had earned a bachelor’s degree or higher. …

North Dakota’s Sluggish Economy Will Hold Back P/C Growth

The U.S. Census Bureau’s 2000 census estimated the population of North Dakota at 642,200. About 84 percent of the adult residents had graduated from high school and about 22 percent had earned a bachelor’s degree or higher. The capital, Bismarck, …