Who owns a stock insurer?

In a stock insurer, ownership is held by stockholders who invest capital into the insurance company and, in return, receive shares of stock. These stockholders have a claim on the profits of the insurer, as they are entitled to dividends when declared and may benefit from the appreciation of their stock value over time. This structure is distinct from mutual insurers, where the policies are owned by the policyholders, and any profits are typically returned to them in the form of dividends or reduced future premiums.

Stock insurers operate with the goal of generating profits for their shareholders, and their management is accountable to these stockholders. Furthermore, stockholders often have voting rights that allow them to influence major corporate decisions, including the election of the board of directors.

In summary, stock insurers are owned by stockholders, which directly ties the financial performance of the company to the interests of these investors.