Arch Capital Group

Arch Capital Group Ltd. (ACGL) stands as a global powerhouse in the insurance, reinsurance, and mortgage insurance sectors, with a distinctive focus on specialty lines—the segment of the industry that handles the most difficult and unusual risks. As a Bermuda-based public company trading on NASDAQ and a member of the S&P 500, Arch has built a reputation for disciplined underwriting, strong financial performance, and strategic growth since its founding in 2000.

The company operates through three primary business segments that collectively generated $17.44 billion in revenue in 2024. The Insurance segment provides specialty risk solutions across property, casualty, professional liability, and complex commercial risks from operations in North America and Europe. The Reinsurance segment offers treaty and facultative property and casualty reinsurance worldwide, including property catastrophe, liability, marine, aviation and space, trade credit and surety, agriculture, accident, life and health, and other specialty lines such as terrorism and political risk. The Mortgage segment, established in 2015 and significantly expanded through the 2016 acquisition of United Guaranty for $3.4 billion, made Arch the world's largest mortgage insurer, providing U.S. primary mortgage insurance, reinsurance services for credit-risk transfer transactions, and international mortgage insurance and reinsurance.

Arch's global footprint spans more than 60 offices across five continents, with approximately 7,200 employees serving clients worldwide. The company's geographic presence includes established operations in the United States, Canada, Bermuda, the United Kingdom, Europe, and Australia, with recent expansions into France, Spain, and India. This international reach enables Arch to provide tailored solutions and leverage local market expertise while maintaining centralized risk management and underwriting standards.

The company's financial strength has earned it an AA- rating from S&P, reflecting what the agency describes as enhanced diversity and resilience in its earnings profile and a solidified competitive position across global insurance, reinsurance, and mortgage insurance markets. With $24.3 billion in capital as of March 2025 and a market capitalization of approximately $34.71 billion, Arch has demonstrated consistent growth and profitability. The company achieved a book value per common share of $57.00 in September 2024, representing strong shareholder value creation. In 2024, Arch reported record underwriting income with gross premiums written of $21.5 billion, up 16.9% year-over-year, led by a 21.9% expansion in its reinsurance segment.

Arch's competitive advantage lies in its disciplined underwriting approach, sophisticated risk analytics, and ability to deploy capital efficiently across market cycles. The company's focus on specialty lines allows it to avoid commoditized insurance products and instead target complex risks where specialized expertise commands premium pricing. This strategy, combined with strong relationships across the insurance distribution chain and a culture of innovation, has positioned Arch as a preferred partner for brokers, agents, and corporate clients seeking solutions for difficult-to-place risks. As the company looks ahead, its strategic priorities center on leveraging advanced analytics, deepening client relationships, expanding reinsurance partnerships, and pursuing disciplined growth in attractive specialty insurance markets worldwide.