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Michael Zeremeski

Managing Director and Senior Equity Research Analyst at BMO Capital Markets

Michael Zaremski is a Managing Director and Senior Equity Research Analyst at BMO Capital Markets, specializing in insurance sector research with coverage of companies such as Progressive, Allstate, Chubb, and Marsh & McLennan. He consistently ranks among the top financial sector analysts, covering over 50 companies with a recent TipRanks success rate close to 63% and average returns near 7%. Zaremski began his career at Credit Suisse in 2007, advanced through roles at Balyasny Asset Management and Wolfe Research, and joined BMO Capital Markets as a Managing Director in 2024. He is FINRA-registered with 51 state securities licenses, recognized for both his deep industry expertise and strong performance record.

Michael Zeremeski's questions to Fidelis Insurance Holdings (FIHL) leadership

Question · Q3 2025

Michael Zeremeski asked about the combined ratios of business originating from Fidelis's new underwriting partners, specifically how they compare to those from the Fidelis Partnership and to the company's mid-to-high 80s combined ratio target.

Answer

CEO Dan Burrows (responding to the question) confirmed that new underwriting partners are held to a high hurdle, with combined ratio expectations at least as high as the Fidelis Partnership. He stated that early results are positive, and these partners are meeting the expected combined ratio hurdles through the first nine months of the year.

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