Personal Lines

Guy Carpenter is committed to bringing innovative solutions that help reach your growth and profit objectives, while protecting your balance sheets. We partner with you to deliver immediate strategies, advice and insights that ensure your long-term vision of providing lifetime customer value in an ever-changing world.

Focused on Your Goals

Large personal lines carriers make up more than 75% of market share in the personal auto and homeowners lines of business. The broad offerings and reach of personal lines companies result in risk management challenges that set them apart from other insurance companies. Guy Carpenter collaborates closely with Oliver Wyman to ensure you benefit from leading-edge thinking and innovative strategies that meet your business goals.

Contact Us

  • Sustainable, Profitable and Diversified Growth

    Stay relevant in an increasingly competitive marketplace driven by new entrants while navigating exposure concentrations in a highly regulated market. We help you continue to seek new ways to manage and evaluate your portfolio to maximize profitability and minimize volatility.
  • Complex Risk Management

    Manage volatility from natural and manmade catastrophic events on both a regional and national level. We help by understanding the perils as you move from secondary to primary to critical, which is vital to long-term success.
  • Evolve with the Rapidly Changing Marketplace

    Guy Carpenter's integrated team evaluates new insurance technologies, understands the digital marketplace and provides innovative products so you remain competitive and maintain/grow market share.

Solutions That Work To Your Advantage

Guy Carpenter’s dedicated Personal Lines segment delivers bespoke strategic advice and solutions to help you efficiently achieve your business goals, while navigating increasingly extreme weather and rapidly evolving technology.

Our broad perspective allows us to differentiate you in the reinsurance market, securing you the most competitive terms and conditions available.


  • Understanding the unique challenges of personal lines carriers
  • Developing short- and long-term structures and strategies to manage volatility within a changing climate
  • Offering in-depth and working knowledge of reinsurers and specific underwriters targeting personal lines carriers
  • Leveraging company size and commitment to create influential relationships with reinsurers focusing on personal lines carriers


  • Provide leading-edge thinking around:
    • Strategies for usage-based insurance
    • Smart home and smart car
    • Autonomous vehicles
  • InsurTech
    • Understand the offerings focused on personal lines carriers
    • Stay abreast of new companies focused on managing or providing insight into catastrophe perils
  • Digital Strategies
    • Collaborate with Oliver Wyman to build lifetime customer value solutions for personal lines carriers
    • Understand and provide insight around market share between the various distribution channels

Climate, Extreme Weather and Catastrophe

  • Wildfire
    • Wildfire Risk Scores and Urban Conflagration Index to assist you in managing the growing peril
    • GC FireCell to provide unique parametric capacity solutions
    • Unique insight and relationships with InsurTechs focused on wildfire peril
    • Understanding and advice on navigating aggregations within a regulated environment
    • Climate adjusted risk scores
  • Severe Convective Storm
    • STORMi: understand the changing patterns of severe convective storms
    • Unique insight and relationships with InsurTechs focused on severe convective storm
    • Climate adjusted risk scores
  • Hurricane
    • GC StormGRID® to provide unique parametric capacity solutions
    • Connectivity with Florida Segment to understand latest trends and policies regarding personal lines policies
    • Latest thinking on predictive modeling to better understand areas that can lead to targeted profitable growth


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Delivering Transactional Expertise

  • More than 30 Personal Lines Segment-focused broking, analytical and strategic advisory experts deliver customized solutions to our clients
  • Significant trading relationship translates to strong negotiating positions with reinsurers
  • Innovative structures provide the most efficient solutions to mitigate volatility in your portfolio
  • Significant catastrophe claims experience including unique claims settlement authorities and team dedicated to large and complex claims


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Improving Business Performance

  • Strategic analysis and advice on aggregation management and growth strategies
  • Cutting-edge solutions to manage peril and catastrophe concerns today and in the future
  • Sponsor and participate in symposiums on issues that have material effects on growth and profitability
  • We partner with you to deliver immediate strategies, advice and insights that ensure your long-term vision of providing lifetime customer value in an ever-changing world.

Industry-Leading Tools and Teams

  • Portfolio Management: GC AdvantagePoint®

    A catastrophe and portfolio management solution, GC AdvantagePoint® generates a comprehensive view of all profitability components, helping you align day-to-day underwriting decisions with enterprise goals.
  • North America Peril Advisory

    Guy Carpenter provides global peril advisory solutions and services that support your portfolio risk management, improved risk selection, facilitates rate making and supports strategic growth.
  • Model Solutions: Model Suitability Analysis (MSA)

    Our MSA provides a standardized, global model evaluation for catastrophe models. The MSA enables you to understand how changes to exposure characteristics impact losses, how the model results compare to actual loss experience and how model assumptions compare to scientific data.
  • Populations Trends

    Guy Carpenter and Marsh McLennan's relationships with academia provide expert advice on population movement.
  • Enterprise Risk Management

    Our ERM advisory services assist you with developing, validating and communicating risk tolerance statements.

Powering Your Business With Insights

  • Segments

    Offering you specialized expertise that focuses market knowledge, product innovation and analytics on your unique challenges—to provide you with an enduring competitive advantage.
  • Risks

    Bringing together an unparalleled depth and breadth of capabilities and experience to turn your risks into profit and sustained growth.
  • Reinsurance Broking

    Tailoring your solutions to effectively and efficiently match the right capital with your evolving risk profile.