View Financial HealthThis company has been acquiredThe company may no longer be operating, as it has been acquired. Find out why through their latest events.See Latest EventsMetromile 배당 및 자사주 매입배당 기준 점검 0/6핵심 정보n/a배당 수익률-0.03%자사주 매입 수익률총 주주 수익률-0.03%미래 배당 수익률n/a배당 성장률n/a다음 배당 지급일n/a배당락일n/a주당 배당금n/a배당 성향n/a최근 배당 및 자사주 매입 업데이트업데이트 없음모든 업데이트 보기Recent updates공시 • Aug 09Metromile Files Form 15Metromile, Inc. has announced that it has filed a Form 15 with the Securities and Exchange Commission to voluntarily deregister its common stock under the Securities Exchange Act of 1934, as amended. The par value of the company's common stock was $0.0001 per share.공시 • Aug 03Eis Software Limited acquired Metromile Enterprise Solutions, LLC from Metromile, Inc.Eis Software Limited acquired Metromile Enterprise Solutions, LLC from Metromile, Inc. on August 1, 2022. The transaction was completed in all-cash. Keefe, Bruyette & Woods, a Stifel Company, acted as financial advisor for Metromile. Eis Software Limited completed the acquisition of Metromile Enterprise Solutions, LLC from Metromile, Inc. on August 1, 2022.공시 • Jul 30Metromile, Inc.(NasdaqCM:MILE) dropped from NASDAQ Composite IndexINSU Acquisition Corp. II has been removed from NASDAQ Composite Index .공시 • Jul 29+ 1 more updateLemonade, Inc. (NYSE:LMND) completed the acquisition of Metromile, Inc. (NasdaqCM:MILE)Lemonade, Inc. (NYSE:LMND) entered into a definitive agreement to acquire Metromile, Inc. (NasdaqCM:MILE) for approximately $510 million on November 8, 2021. Shareholders of Metromile will receive Lemonade common shares at a ratio of 19:1. Under the terms of the agreement, all the issued and outstanding Metromile common stockholders shall receive 0.05263 shares of common stock of Lemonade per Metromile share. Metromile will pay a fee of $12.5 million to Lemonade, in case Metromile terminates the transaction. The transaction is subject to receipt of regulatory approvals; approval by stockholders of the Lemonade and Metromile; effectiveness of the registration statement; expiration or earlier termination of any applicable waiting period of review under the Hart-Scott-Rodino Antitrust Improvements Act of 1976; approval for listing on the NYSE of the shares of Lemonade common stock to be issued pursuant to the merger agreement and other customary closing conditions. Certain stockholders of Metromile holding approximately 11.3% of the outstanding shares of Metromile common stock, including all members of the Metromile Board and certain officers have entered into voting and support agreements, to vote in favor of the transaction. The transaction has been unanimously approved by the Boards of Metromile and Lemonade. The Metromile board of directors unanimously recommends that Metromile shareholders vote “FOR” the merger proposal. In the coming days you should be receiving proxy materials (via email or regular mail) that will allow you to vote on the proposed acquisition of Metromile by Lemonade, Inc. at the Special Meeting of Stockholders that will be held virtually on February 1, 2022. As of February 1, 2022, Metromile shareholders approved the transaction. As of May 10, 2022, the applicable waiting period for the proposed transaction under the Hart-Scott-Rodino Antitrust Improvements Act of 1976, as amended, has expired. The transaction is expected to close in the second quarter of 2022. As of June 14, 2022, the transaction is expected to close early in the third quarter of 2022. Robert M. Katz, Marc D. Jaffe and Daniel Chinn of Latham & Watkins LLP acted as legal advisors to Lemonade. Rajab S. Abbassi, Tobias Schad, Parimah Hassouri, Rohit Nafday, Sydney Jones, Patrick Ryan, Seth Traxler, Mike Carew, Adam Kool, Sophia Hudson, Jill Ross and Edward J. Lee of Kirkland & Ellis LLP acted as legal advisors to Metromile. Morrow & Co., LLC acted as information agent to Metromile. Lemonade, Inc. (NYSE:LMND) completed the acquisition of Metromile, Inc. (NasdaqCM:MILE) on July 28, 2022. Metromile common stock will cease trading on NASDAQ.공시 • Jul 28+ 1 more updateMetromile, Inc.(NasdaqCM:MILE) dropped from S&P TMI IndexMetromile, Inc.(NasdaqCM:MILE) dropped from S&P TMI Index공시 • Jun 26Metromile, Inc.(NasdaqCM:MILE) dropped from Russell 2500 Value IndexMetromile, Inc.(NasdaqCM:MILE) dropped from Russell 2500 Value IndexMajor Estimate Revision • May 17Consensus forecasts updatedThe consensus outlook for 2022 has been updated. 2022 revenue forecast increased from US$71.8m to US$103.8m. EPS estimate fell from -US$0.64 to -US$1.00 per share. Insurance industry in the US expected to see average net income decline 5.9% next year. Consensus price target down from US$4.17 to US$1.00. Share price rose 11% to US$1.02 over the past week.Reported Earnings • May 11First quarter 2022 earnings: Revenues exceed analyst expectationsFirst quarter 2022 results: Revenue: US$20.7m (up 20% from 1Q 2021). Net loss: US$34.3m (loss narrowed 67% from 1Q 2021). Revenue exceeded analyst estimates by 78%. Over the next year, revenue is forecast to grow 5.2% while the industry in the US is not expected to grow.Price Target Changed • Apr 27Price target decreased to US$4.17Down from US$4.53, the current price target is provided by 1 analyst. New target price is 309% above last closing price of US$1.02. The company is forecast to post a net loss per share of US$0.64 next year compared to a net loss per share of US$1.89 last year.Major Estimate Revision • Mar 07Consensus EPS estimates fall by 56%The consensus outlook for earnings per share (EPS) in 2022 has deteriorated. 2022 revenue forecast decreased from US$74.7m to US$71.8m. Losses expected to increase from US$0.41 per share to US$0.64. Insurance industry in the US expected to see average net income decline 12% next year. Consensus price target down from US$4.53 to US$4.17. Share price fell 17% to US$1.01 over the past week.Reported Earnings • Mar 03Full year 2021 earnings: EPS and revenues exceed analyst expectationsFull year 2021 results: US$1.89 loss per share (up from US$13.51 loss in FY 2020). Revenue: US$104.9m (up 199% from FY 2020). Net loss: US$216.5m (loss widened 80% from FY 2020). Revenue exceeded analyst estimates by 23%. Earnings per share (EPS) also surpassed analyst estimates by 23%. Over the next year, revenue is expected to shrink by 32% compared to a 1.8% decline forecast for the insurance industry in the US.Reported Earnings • Nov 21Third quarter 2021 earnings released: US$0.21 loss per share (vs US$1.20 loss in 3Q 2020)The company reported a solid third quarter result with improved revenues and control over costs, although losses increased. Third quarter 2021 results: Revenue: US$30.0m (up 277% from 3Q 2020). Net loss: US$26.8m (loss widened 152% from 3Q 2020).Board Change • Sep 15Less than half of directors are independentFollowing the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 4 non-independent directors. Chairman of the Board John Butler was the last director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Seeking Alpha • Sep 12Metromile: Despite Heightened Risks, It's Time To Buy The DipMetromile has fallen to all-time lows, losing more than 70% of its value since the start of the year. The company has seen reduced demand for new policies as the vaccine rollout has encouraged more frequent driving. At the same time, Metromile's per-mile pricing has also given the company higher premiums from elevated driving rates. Accident loss ratios spiked in Q2, but it's likely a temporary phenomenon. With barely over a ~$500 million market cap, Metromile is worth the risk.Board Change • Sep 11Less than half of directors are independentFollowing the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 4 non-independent directors. Chairman of the Board John Butler was the last director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Board Change • Sep 04Less than half of directors are independentFollowing the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 4 non-independent directors. Chairman of the Board John Butler was the last director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Board Change • Aug 18High number of new directorsDirector John Butler was the last director to join the board, commencing their role in 2021.Seeking Alpha • Aug 17Metromile's Growth Runway Is Just BeginningThis disruptor is in the early stage of its growth runway in the auto insurance industry. A car insurance focus and technology advantages position Metromile well to take market share with its disruptive brand. Stock is incredibly oversold and has 3x potential from here in the coming years.Seeking Alpha • Aug 10Metromile: Weaker Q2 And Lower Outlook Sent Shares Down 20%Q2 results saw Metromile's growth stalling and its losses widening as it struggled to cope with the fading of COVID-19 benefits. 2021 outlook was revised downwards significantly, with policies in force now expected to grow by just 8% year-on-year. We are concerned by the use of commission-based agents, the absence of reinsurance cover and the lack of growth at Metromile Enterprise. At $5.63, even after a 20% fall in after-market trading, shares are trading at 6.7x Premiums in Force, leaving a little margin of safety. Metromile's business model is now more unproven than before, and its valuation remains outside our parameters. Avoid.Seeking Alpha • Aug 01Metromile: Promising Small-Cap Insurance InnovatorShares of Metromile have collapsed by nearly half since the company's SPAC debut earlier this year. Metromile is a well-recognized car insurance vendor that has made a name for itself by offering per-mile-driven insurance plans. Car insurance is a heavily fragmented industry that is ripe for new, tech-emboldened entrants. The company's loss ratio has been improving over time with scale, which distinguishes it from other new insurance players like Lemonade.공시 • May 19Metromile, Inc. announced delayed 10-Q filingOn 05/18/2021, Metromile, Inc. announced that they will be unable to file their next 10-Q by the deadline required by the SEC.공시 • Mar 17Metromile, Inc. to Report Q4, 2020 Results on Mar 30, 2021Metromile, Inc. announced that they will report Q4, 2020 results After-Market on Mar 30, 2021공시 • Feb 26Metromile, Inc. Appoints Junna Ro as General CounselMetromile, Inc. announced insurance industry veteran Junna Ro joined the company as general counsel. In her role, Ro oversees a growing team of legal, regulatory and compliance professionals as a member of the leadership team. Ro joins Metromile with more than 15 years of experience in the insurance industry at CSAA Insurance Group, a AAA insurer and one of the top 20 personal lines property and casualty insurance groups in the U.S. She was vice president, chief ethics and compliance officer and associate general counsel, responsible for the corporate compliance and ethics, privacy, product forms and employment law functions.지급의 안정성과 성장배당 데이터 가져오는 중안정적인 배당: 과거에 MILE 의 주당 배당금이 안정적이었는지 판단하기에는 데이터가 부족합니다.배당금 증가: MILE 의 배당금 지급이 증가했는지 판단하기에는 데이터가 부족합니다.배당 수익률 vs 시장Metromile 배당 수익률 vs 시장MILE의 배당 수익률은 시장과 어떻게 비교되나요?구분배당 수익률회사 (MILE)n/a시장 하위 25% (US)1.4%시장 상위 25% (US)4.2%업계 평균 (Insurance)2.6%분석가 예측 (MILE) (최대 3년)n/a주목할만한 배당금: 회사가 최근 지급을 보고하지 않았기 때문에 하위 25%의 배당금 지급자에 대해 MILE 의 배당 수익률을 평가할 수 없습니다.고배당: 회사가 최근 지급을 보고하지 않았기 때문에 배당금 지급자의 상위 25%에 대해 MILE 의 배당 수익률을 평가할 수 없습니다.주주 대상 이익 배당수익 보장: 배당금 지급이 수익으로 충당되는지 확인하기 위해 MILE 의 지급 비율을 계산하기에는 데이터가 부족합니다.주주 현금 배당현금 흐름 범위: MILE 에서 지급을 보고하지 않았기 때문에 배당 지속 가능성을 계산할 수 없습니다.높은 배당을 제공하는 우량 기업 찾기7D1Y7D1Y7D1YUS 시장에서 배당이 강한 기업.View Management기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2022/07/28 14:37종가2022/07/27 00:00수익2022/03/31연간 수익2021/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Metromile, Inc.는 2명의 분석가가 다루고 있습니다. 이 중 1명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Joshua SieglerCantor Fitzgerald & Co.Arvind RamnaniPiper Sandler Companies
공시 • Aug 09Metromile Files Form 15Metromile, Inc. has announced that it has filed a Form 15 with the Securities and Exchange Commission to voluntarily deregister its common stock under the Securities Exchange Act of 1934, as amended. The par value of the company's common stock was $0.0001 per share.
공시 • Aug 03Eis Software Limited acquired Metromile Enterprise Solutions, LLC from Metromile, Inc.Eis Software Limited acquired Metromile Enterprise Solutions, LLC from Metromile, Inc. on August 1, 2022. The transaction was completed in all-cash. Keefe, Bruyette & Woods, a Stifel Company, acted as financial advisor for Metromile. Eis Software Limited completed the acquisition of Metromile Enterprise Solutions, LLC from Metromile, Inc. on August 1, 2022.
공시 • Jul 30Metromile, Inc.(NasdaqCM:MILE) dropped from NASDAQ Composite IndexINSU Acquisition Corp. II has been removed from NASDAQ Composite Index .
공시 • Jul 29+ 1 more updateLemonade, Inc. (NYSE:LMND) completed the acquisition of Metromile, Inc. (NasdaqCM:MILE)Lemonade, Inc. (NYSE:LMND) entered into a definitive agreement to acquire Metromile, Inc. (NasdaqCM:MILE) for approximately $510 million on November 8, 2021. Shareholders of Metromile will receive Lemonade common shares at a ratio of 19:1. Under the terms of the agreement, all the issued and outstanding Metromile common stockholders shall receive 0.05263 shares of common stock of Lemonade per Metromile share. Metromile will pay a fee of $12.5 million to Lemonade, in case Metromile terminates the transaction. The transaction is subject to receipt of regulatory approvals; approval by stockholders of the Lemonade and Metromile; effectiveness of the registration statement; expiration or earlier termination of any applicable waiting period of review under the Hart-Scott-Rodino Antitrust Improvements Act of 1976; approval for listing on the NYSE of the shares of Lemonade common stock to be issued pursuant to the merger agreement and other customary closing conditions. Certain stockholders of Metromile holding approximately 11.3% of the outstanding shares of Metromile common stock, including all members of the Metromile Board and certain officers have entered into voting and support agreements, to vote in favor of the transaction. The transaction has been unanimously approved by the Boards of Metromile and Lemonade. The Metromile board of directors unanimously recommends that Metromile shareholders vote “FOR” the merger proposal. In the coming days you should be receiving proxy materials (via email or regular mail) that will allow you to vote on the proposed acquisition of Metromile by Lemonade, Inc. at the Special Meeting of Stockholders that will be held virtually on February 1, 2022. As of February 1, 2022, Metromile shareholders approved the transaction. As of May 10, 2022, the applicable waiting period for the proposed transaction under the Hart-Scott-Rodino Antitrust Improvements Act of 1976, as amended, has expired. The transaction is expected to close in the second quarter of 2022. As of June 14, 2022, the transaction is expected to close early in the third quarter of 2022. Robert M. Katz, Marc D. Jaffe and Daniel Chinn of Latham & Watkins LLP acted as legal advisors to Lemonade. Rajab S. Abbassi, Tobias Schad, Parimah Hassouri, Rohit Nafday, Sydney Jones, Patrick Ryan, Seth Traxler, Mike Carew, Adam Kool, Sophia Hudson, Jill Ross and Edward J. Lee of Kirkland & Ellis LLP acted as legal advisors to Metromile. Morrow & Co., LLC acted as information agent to Metromile. Lemonade, Inc. (NYSE:LMND) completed the acquisition of Metromile, Inc. (NasdaqCM:MILE) on July 28, 2022. Metromile common stock will cease trading on NASDAQ.
공시 • Jul 28+ 1 more updateMetromile, Inc.(NasdaqCM:MILE) dropped from S&P TMI IndexMetromile, Inc.(NasdaqCM:MILE) dropped from S&P TMI Index
공시 • Jun 26Metromile, Inc.(NasdaqCM:MILE) dropped from Russell 2500 Value IndexMetromile, Inc.(NasdaqCM:MILE) dropped from Russell 2500 Value Index
Major Estimate Revision • May 17Consensus forecasts updatedThe consensus outlook for 2022 has been updated. 2022 revenue forecast increased from US$71.8m to US$103.8m. EPS estimate fell from -US$0.64 to -US$1.00 per share. Insurance industry in the US expected to see average net income decline 5.9% next year. Consensus price target down from US$4.17 to US$1.00. Share price rose 11% to US$1.02 over the past week.
Reported Earnings • May 11First quarter 2022 earnings: Revenues exceed analyst expectationsFirst quarter 2022 results: Revenue: US$20.7m (up 20% from 1Q 2021). Net loss: US$34.3m (loss narrowed 67% from 1Q 2021). Revenue exceeded analyst estimates by 78%. Over the next year, revenue is forecast to grow 5.2% while the industry in the US is not expected to grow.
Price Target Changed • Apr 27Price target decreased to US$4.17Down from US$4.53, the current price target is provided by 1 analyst. New target price is 309% above last closing price of US$1.02. The company is forecast to post a net loss per share of US$0.64 next year compared to a net loss per share of US$1.89 last year.
Major Estimate Revision • Mar 07Consensus EPS estimates fall by 56%The consensus outlook for earnings per share (EPS) in 2022 has deteriorated. 2022 revenue forecast decreased from US$74.7m to US$71.8m. Losses expected to increase from US$0.41 per share to US$0.64. Insurance industry in the US expected to see average net income decline 12% next year. Consensus price target down from US$4.53 to US$4.17. Share price fell 17% to US$1.01 over the past week.
Reported Earnings • Mar 03Full year 2021 earnings: EPS and revenues exceed analyst expectationsFull year 2021 results: US$1.89 loss per share (up from US$13.51 loss in FY 2020). Revenue: US$104.9m (up 199% from FY 2020). Net loss: US$216.5m (loss widened 80% from FY 2020). Revenue exceeded analyst estimates by 23%. Earnings per share (EPS) also surpassed analyst estimates by 23%. Over the next year, revenue is expected to shrink by 32% compared to a 1.8% decline forecast for the insurance industry in the US.
Reported Earnings • Nov 21Third quarter 2021 earnings released: US$0.21 loss per share (vs US$1.20 loss in 3Q 2020)The company reported a solid third quarter result with improved revenues and control over costs, although losses increased. Third quarter 2021 results: Revenue: US$30.0m (up 277% from 3Q 2020). Net loss: US$26.8m (loss widened 152% from 3Q 2020).
Board Change • Sep 15Less than half of directors are independentFollowing the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 4 non-independent directors. Chairman of the Board John Butler was the last director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Seeking Alpha • Sep 12Metromile: Despite Heightened Risks, It's Time To Buy The DipMetromile has fallen to all-time lows, losing more than 70% of its value since the start of the year. The company has seen reduced demand for new policies as the vaccine rollout has encouraged more frequent driving. At the same time, Metromile's per-mile pricing has also given the company higher premiums from elevated driving rates. Accident loss ratios spiked in Q2, but it's likely a temporary phenomenon. With barely over a ~$500 million market cap, Metromile is worth the risk.
Board Change • Sep 11Less than half of directors are independentFollowing the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 4 non-independent directors. Chairman of the Board John Butler was the last director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Board Change • Sep 04Less than half of directors are independentFollowing the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 4 non-independent directors. Chairman of the Board John Butler was the last director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Board Change • Aug 18High number of new directorsDirector John Butler was the last director to join the board, commencing their role in 2021.
Seeking Alpha • Aug 17Metromile's Growth Runway Is Just BeginningThis disruptor is in the early stage of its growth runway in the auto insurance industry. A car insurance focus and technology advantages position Metromile well to take market share with its disruptive brand. Stock is incredibly oversold and has 3x potential from here in the coming years.
Seeking Alpha • Aug 10Metromile: Weaker Q2 And Lower Outlook Sent Shares Down 20%Q2 results saw Metromile's growth stalling and its losses widening as it struggled to cope with the fading of COVID-19 benefits. 2021 outlook was revised downwards significantly, with policies in force now expected to grow by just 8% year-on-year. We are concerned by the use of commission-based agents, the absence of reinsurance cover and the lack of growth at Metromile Enterprise. At $5.63, even after a 20% fall in after-market trading, shares are trading at 6.7x Premiums in Force, leaving a little margin of safety. Metromile's business model is now more unproven than before, and its valuation remains outside our parameters. Avoid.
Seeking Alpha • Aug 01Metromile: Promising Small-Cap Insurance InnovatorShares of Metromile have collapsed by nearly half since the company's SPAC debut earlier this year. Metromile is a well-recognized car insurance vendor that has made a name for itself by offering per-mile-driven insurance plans. Car insurance is a heavily fragmented industry that is ripe for new, tech-emboldened entrants. The company's loss ratio has been improving over time with scale, which distinguishes it from other new insurance players like Lemonade.
공시 • May 19Metromile, Inc. announced delayed 10-Q filingOn 05/18/2021, Metromile, Inc. announced that they will be unable to file their next 10-Q by the deadline required by the SEC.
공시 • Mar 17Metromile, Inc. to Report Q4, 2020 Results on Mar 30, 2021Metromile, Inc. announced that they will report Q4, 2020 results After-Market on Mar 30, 2021
공시 • Feb 26Metromile, Inc. Appoints Junna Ro as General CounselMetromile, Inc. announced insurance industry veteran Junna Ro joined the company as general counsel. In her role, Ro oversees a growing team of legal, regulatory and compliance professionals as a member of the leadership team. Ro joins Metromile with more than 15 years of experience in the insurance industry at CSAA Insurance Group, a AAA insurer and one of the top 20 personal lines property and casualty insurance groups in the U.S. She was vice president, chief ethics and compliance officer and associate general counsel, responsible for the corporate compliance and ethics, privacy, product forms and employment law functions.