Key Takeaways HRTG focuses on disciplined growth, E&S expansion, reinsurance efficiency, and tech-driven operations.PLMR leverages specialty lines, crop growth ambitions, acquisitions, and a debt-free balance sheet.HRTG shows higher ROE, stronger share gains and cheaper valuation compared with PLMR's premium multiple.The property and casualty (P&C) insurance industry is witnessing a rise in catastrophic events. To add to the woes, the Fed lowered rates for the first time in 2025 by 25 basis points and hinte ...