“Auto-focused insurer Kemper has reported a swing to operating profit for Q4 with results that included a 9.8 point improvement in its underlying specialty property casualty combined ratio, with its CEO stating “we are clearly on the path to return to target margins in 2024”.”
https://www.theinsurer.com/news/kemper-returns-to-operating-profit-in-q4-confident-of-hitting-24-margins/