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The core of the firm’s bearish thesis centers on a massive pool of routine, low-complexity insurance policies. The BofA analysts, Joshua Shanker, Joseph Tumillo, Cyril Onyango, and Fatima Keita, looked at just six major carriers catering to small businesses and personal lines: Travelers, Hartford, Progressive, Cincinnati Financial, Hanover, and Selective. From these six companies alone, BofA identified over $15 billion in commissions paid to independent agents in 2025 that largely skew toward low-complexity risks.

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(一)旅客人身伤亡的,每名旅客不超过175000计算单位;

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3. 国家统计局局长就2025年全年国民经济运行情况答记者问, www.stats.gov.cn/sj/sjjd/202…