Which type of insurer is owned by investors?

A stock insurer is defined as a company that is owned by investors who hold shares of the company's stock. These investors, often referred to as stockholders, have a financial interest in the profitability and success of the insurer. Unlike mutual insurers, which are owned by policyholders, stock insurers exist to generate profits for their shareholders. This ownership structure allows stock insurers to raise capital by selling shares, making them able to expand operations or invest in new technology and products more easily. Therefore, the distinction between stock insurers and other types of insurers lies primarily in their ownership model, which directly impacts their operations and business objectives.