Tax-loss harvesting alternatives for RLI

Among the 24 Property & Casualty Insurance peers screened, CB (Chubb Limited) has tracked RLI most closely over the past year, with a return correlation of 0.68. The strongest fund stand-in is IAK (iShares US Insurance ETF) at 0.72 over the past year. Correlations are computed from daily closing-price returns aligned by trading day.

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STOCKS

Single-name peers

Ticker	Name	Sub-industry	1Y	3Y	5Y	10Y
CB	Chubb Limited	Property & Casualty Insurance	0.68	0.64	0.59	0.62
ACGL	Arch Capital Group	Property & Casualty Insurance	0.64	0.60	0.55	0.61
TRV	Travelers Companies	Property & Casualty Insurance	0.64	0.62	0.57	0.62
HIG	Hartford (The)	Property & Casualty Insurance	0.63	0.64	0.59	0.55
KNSL	Kinsale Capital Group	Property & Casualty Insurance	0.62	0.55	0.53	0.52
ORI	Old Republic International	Property & Casualty Insurance	0.62	0.64	0.56	0.59
CINF	Cincinnati Financial	Property & Casualty Insurance	0.59	0.61	0.53	0.57
PGR	Progressive Corp.	Property & Casualty Insurance	0.59	0.54	0.48	0.46
WRB	W. R. Berkley Corporation	Property & Casualty Insurance	0.58	0.59	0.57	0.65
THG	Hanover Insurance	Property & Casualty Insurance	0.57	0.61	0.56	0.61
PLMR	Palomar Holdings, Inc.	Property & Casualty Insurance	0.57	0.50	0.39	0.36
ALL	Allstate Corp.	Property & Casualty Insurance	0.56	0.56	0.48	0.52
MCY	Mercury General	Property & Casualty Insurance	0.45	0.40	0.34	0.43
AMSF	Amerisafe, Inc.	Property & Casualty Insurance	0.45	0.46	0.48	0.55
SIGI	Selective Insurance Group	Property & Casualty Insurance	0.44	0.49	0.53	0.64
EIG	Employers Holdings, Inc.	Property & Casualty Insurance	0.43	0.52	0.53	0.55
HCI	HCI Group, Inc.	Property & Casualty Insurance	0.40	0.33	0.29	0.32
UFCS	United Fire Group, Inc.	Property & Casualty Insurance	0.39	0.46	0.40	0.52
AGO	Assured Guaranty Ltd.	Property & Casualty Insurance	0.35	0.42	0.42	0.45
FNF	Fidelity National Financial	Property & Casualty Insurance	0.34	0.37	0.38	0.42
RDN	Radian Group, Inc.	Property & Casualty Insurance	0.31	0.36	0.35	0.39
STC	Stewart Information Services Corporation	Property & Casualty Insurance	0.31	0.33	0.33	0.38
FAF	First American Financial Corporation	Property & Casualty Insurance	0.28	0.34	0.36	0.40
SAFT	Safety Insurance Group, Inc.	Property & Casualty Insurance	0.23	0.35	0.39	0.50

ETFS

Fund stand-ins

An ETF is generally not 'substantially identical' to a single stock, which is why funds are the standard wash-sale-aware replacement.

Ticker	Name	Focus	Match	1Y	3Y	5Y	10Y
IAK	iShares US Insurance ETF	Insurance	INDUSTRY	0.72	0.72	0.66	0.68
KIE	SPDR S&P Insurance ETF	Insurance	INDUSTRY	0.69	0.72	0.66	0.69
VFH	Vanguard Financials ETF	Financials Sector	SECTOR	0.24	0.40	0.43	0.56
XLF	Financial Select Sector SPDR	Financials Sector	SECTOR	0.24	0.40	0.43	0.55
KRE	SPDR S&P Regional Banking ETF	Regional Banks	SUB-IND	0.22	0.30	0.35	0.50
KBE	SPDR S&P Bank ETF	Banks	INDUSTRY	0.22	0.32	0.37	0.51
IYF	iShares US Financials ETF	Financials Sector	SECTOR	0.21	0.39	0.43	0.55
IPAY	ETFMG Prime Mobile Payments	Payments	SUB-IND	0.17	0.28	0.27	0.39
KBWB	Invesco KBW Bank ETF	Large Banks	INDUSTRY	0.04	0.23	0.31	0.48
FINX	Global X FinTech ETF	FinTech	SUB-IND	-0.03	0.16	0.18	0.30
IAI	iShares Broker-Dealers & Exchanges	Capital Markets	INDUSTRY	-0.08	0.21	0.30	0.47
ARKF	ARK Fintech Innovation ETF	FinTech (Active)	SUB-IND	-0.10	0.10	0.11	0.20

NEXT STEPS

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Replacement research for RLI's peers

CB ACGL TRV HIG KNSL ORI CINF PGR WRB THG PLMR ALL MCY AMSF SIGI EIG HCI UFCS AGO FNF RDN STC FAF SAFT

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Method: Pearson correlation of daily closing-price returns, Yahoo Finance data, series aligned by trading day, refreshed weekly. A cell is blank when overlapping history covers less than 60% of its window. Correlation is descriptive, not predictive. Wash-sale treatment depends on facts and circumstances — confirm with a tax professional. Not investment advice.