Insurance Float Business Model: Examples (2026)
Underwrite insurance risks and invest funds held while claims remain outstanding. Underwriting discipline and the cost and duration of policyholder funding determine its usefulness.
Last checked 2026-10-18 on the official pages.
How do insurance companies make money?
Premiums arrive before many claims are paid. Biggest disclosed lines: Berkshire Hathaway: Insurance, corporate and other at $108,390 million.
Premiums arrive before many claims are paid.
Signals to look for
- Premium collections
- Claims reserves
- Investment assets
Companies using this model
| Company | Sector | Evidence status |
|---|---|---|
| Berkshire Hathaway | Diversified and insurance | verified |
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Frequently asked questions
How does Insurance float work?
Underwrite insurance risks and invest funds held while claims remain outstanding. Underwriting discipline and the cost and duration of policyholder funding determine its usefulness.
How do insurance companies make money?
Premiums arrive before many claims are paid. Biggest disclosed lines: Berkshire Hathaway: Insurance, corporate and other at $108,390 million.