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Defense Costs and Cost Containment Expenses as a Percent of Incurred Losses, 2021-2023 (1)

($000)
  2021 2022 2023
  Amount As a percent
of incurred losses		 Amount As a percent
of incurred losses		 Amount As a percent
of incurred losses
Product liability $713,268 46.6% $751,333 46.2% $869,370 40.8%
Medical professional liability 1,969,451 36.7 1,943,401 35.3 2,205,636 35.7
Commercial multiple peril (2) 2,272,853 30.0 2,248,506 22.2 2,724,149 25.5
Other liability 6,945,720 15.9 7,093,556 13.7 8,332,174 14.8
Workers compensation 2,593,464 12.3 2,975,641 13.9 3,085,693 14.3
Commercial auto liability 2,146,754 10.2 2,462,641 9.4 2,955,885 9.8
Private passenger auto liability 5,378,307 5.6 5,947,243 5.0 6,270,745 5.0
All liability lines $22,019,817 11.3% $23,422,321 10.0% $26,443,652 10.4%

(1) Net of reinsurance, excluding state funds.
(2) Liability portion only.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Defense Costs And Cost Containment Expenses As A Percent of Incurred Losses, 2020-2022 (1)

($000)
  2020 2021 2022
  Amount As a percent
of incurred losses		 Amount As a percent
of incurred losses		 Amount As a percent
of incurred losses
Product liability $667,390 60.9% $712,979 46.6% $748,723 45.6%
Medical professional liability 2,100,614 42.4 1,977,556 36.7 1,842,684 35.8
Commercial multiple peril (2) 2,205,799 28.4 2,272,005 30.0 2,234,957 21.7
Other liability 7,140,907 17.8 6,931,883 15.9 7,051,178 13.6
Workers compensation 2,348,618 11.5 2,546,513 12.5 2,914,828 14.0
Commercial auto liability 2,028,971 10.5 2,137,726 10.1 2,412,353 9.2
Private passenger auto liability 5,425,879 6.6 5,378,233 5.6 5,909,920 5.0
All liability lines $21,918,178 12.5% $21,956,895 11.2% $23,114,643 9.9%

(1) Net of reinsurance, excluding state funds.
(2) Liability portion only.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Defense Costs And Cost Containment Expenses As A Percent of Incurred Losses, 2018-2020 (1)

($000)
  2018 2019 2020
  Amount As a percent
of incurred losses		 Amount As a percent
of incurred losses		 Amount As a percent
of incurred losses
Product liability $879,786 68.0% $660,292 49.4% $667,390 60.9%
Medical professional liability 1,698,577 41.9 1,910,421 40.7 2,100,614 42.4
Commercial multiple peril (2) 2,276,691 31.2 2,527,296 32.8 2,205,799 28.4
Other liability 4,552,421 14.8 6,580,700 19.2 7,140,717 17.8
Workers compensation 3,056,129 14.2 2,773,183 13.1 2,346,484 11.5
Commercial auto liability 1,823,122 10.2 2,140,124 10.5 2,028,971 10.5
Private passenger auto liability 6,007,501 6.5 6,575,194 6.8 5,425,870 6.6
All liability lines $20,294,227 11.6% $23,167,210 12.5% $21,915,845 12.5%

(1) Net of reinsurance, excluding state funds.
(2) Liability portion only.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Defense Costs And Cost Containment Expenses As A Percent of Incurred Losses, 2017-2019 (1)

($000)
  2017 2018 2019
  Amount As a percent
of incurred losses		 Amount As a percent
of incurred losses		 Amount As a percent
of incurred losses
Product liability $645,190 68.6% $861,155 66.4% $668,304 50.4%
Medical professional liability 1,660,939 43.7 1,690,271 41.8 1,891,994 40.5
Other liability 3,778,162 38.2 3,966,294 35.0 4,421,983 35.7
Commercial multiple peril (2) 2,117,223 34.8 2,276,023 31.2 2,529,989 32.8
Workers compensation 2,956,635 13.6 3,065,540 14.3 2,783,923 13.2
Commercial auto liability 1,746,182 11.2 1,823,716 10.2 2,123,461 10.4
Private passenger auto liability 5,380,006 5.9 6,007,796 6.5 6,573,122 6.8
All liability lines $18,284,337 12.3% $19,690,795 12.7% $20,992,776 12.8%

(1) Net of reinsurance, excluding state funds.
(2) Liability portion only.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Defense Costs And Cost Containment Expenses As A Percent of Incurred Losses, 2016-2018 (1)

($000)
  2016 2017 2018
  Amount As a percent
of incurred
losses		 Amount As a percent
of incurred
losses		 Amount As a percent
of incurred
losses
Product liability $844,606 102.5% $645,190 68.6% $861,155 66.4%
Medical professional liability 1,920,552 50.3 1,660,939 43.7 1,690,271 41.8
Commercial multiple peril (2) 2,152,076 35.0 2,117,223 34.8 2,276,024 31.2
Private passenger auto liability 5,008,575 20.9 5,380,006 24.8 6,007,796 27.9
Other liability 4,066,992 15.4 5,167,731 21.9 4,573,280 14.9
Commercial auto liability 1,487,106 9.9 1,746,182 11.2 1,823,716 10.2
Workers compensation 3,270,001 3.7 2,956,635 3.3 3,065,540 3.3
All liability lines $13,992,801 11.4% $14,971,089 12.1% $15,408,526 11.6%

(1) Net of reinsurance, excluding state funds.
(2) Liability portion only.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Defense Costs And Cost Containment Expenses As A Percent of Incurred Losses, 2015-2017 (1)

($000)
  2015 2016 2017
  Amount As a percent
of incurred losses		 Amount As a percent
of incurred losses		 Amount As a percent
of incurred losses
Product liability $1,037,576 70.5% $844,615 102.5% $648,145 68.9%
Medical malpractice 1,871,109 53.8 1,927,338 50.3 1,652,485 43.3
Commercial multiple peril (2) 1,977,804 34.7 2,152,707 35.0 2,114,746 34.8
Other liability 4,786,370 19.9 4,066,792 15.4 5,163,952 21.9
Workers compensation 3,315,025 13.6 3,276,491 13.7 2,955,804 13.6
Commercial auto liability 1,542,092 11.3 1,487,353 9.9 1,745,693 11.2
Private passenger auto liability 4,924,216 6.2 5,008,720 5.7 5,371,440 5.9
All liability lines $19,454,192 12.8% $18,764,016 11.4% $19,652,265 12.1%

(1) Net of reinsurance, excluding state funds.
(2) Liability portion only.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Defense Costs And Cost Containment Expenses As A Percent of Incurred Losses, 2014-2016 (1)

($000)
  2014 2015 2016
  Amount As a percent
of incurred losses		 Amount As a percent
of incurred losses		 Amount As a percent
of incurred losses
Product liability $953,008 85.0% $1,037,580 70.5% $844,602 102.5%
Medical malpractice 1,873,518 44.3 1,867,891 53.7 1,920,552 50.3
Commercial multiple peril (2) 2,085,336 38.9 1,978,730 34.7 2,151,790 35.0
Other liability 4,367,724 20.4 4,788,421 20.0 4,066,892 15.4
Workers compensation 3,369,341 13.0 3,308,079 13.6 3,270,001 13.6
Commercial auto liability 1,266,020 10.6 1,541,634 11.3 1,486,922 9.9
Private passenger auto liability 4,714,964 6.5 4,917,582 6.2 5,008,093 5.7
All liability lines $18,629,911 13.1% $19,439,917 12.8% $18,748,852 11.4%

(1) Net of reinsurance, excluding state funds.
(2) Liability portion only.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Defense Costs And Cost Containment Expenses As A Percent Of Incurred Losses, 2013-2015 (1)

($000)
  2013 2014 2015
  Amount As a percent
of incurred losses		 Amount As a percent
of incurred losses		 Amount As a percent
of incurred losses
Product liability $1,166,236 75.1% $952,997 77.4% $1,037,576 70.5%
Medical malpractice 1,656,257 53.3 1,873,835 43.2 1,871,109 53.8
Commercial multiple peril (2) 2,096,543 37.7 2,083,103 39.1 1,977,804 34.7
Other liability 4,914,500 25.4 4,366,030 21.1 4,786,370 19.9
Workers compensation 3,035,186 12.3 3,357,813 12.9 3,305,927 13.7
Commercial auto liability 1,207,682 10.7 1,266,051 10.6 1,541,787 11.4
Private passenger auto liability 4,600,395 6.8 4,714,942 6.5 4,923,908 6.2
All liability lines $18,676,799 14.0% $18,614,771 13.1% $19,444,481 12.8%

(1) Net of reinsurance, excluding state funds.
(2) Liability portion only.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

DEFENSE COSTS AND COST CONTAINMENT EXPENSES AS A PERCENT OF INCURRED LOSSES, 2012-2014 (1)

($000)
  2012 2013 2014
  Amount As a percent of
incurred losses		 Amount As a percent of
incurred losses		 Amount As a percent of
incurred losses
Product liability $873,860 114.7% $1,166,236 75.1% $952,997 77.4%
Medical malpractice 1,686,009 45.7 1,656,257 53.3 1,873,874 43.2
Commercial multiple peril (2) 2,022,739 46.0 2,096,543 37.7 2,083,103 39.1
Other liability 4,959,838 24.8 4,914,374 25.4 4,365,569 21.1
Workers compensation 3,071,093 12.3 3,018,372 12.3 3,357,813 12.9
Commercial auto liability 1,091,434 10.4 1,207,681 10.7 1,266,046 10.6
Private passenger auto liability 4,353,427 6.7 4,600,395 6.8 4,714,584 6.5
All liability lines $18,058,400 13.9% $18,659,858 14.0% $18,613,986 13.1%

(1) Net of reinsurance, excludes state funds.
(2) Liability portion only.

Source: SNL Financial LC.

DEFENSE COSTS AND COST CONTAINMENT EXPENSES AS A PERCENT OF INCURRED LOSSES, 2011-2013 (1)

($000)
  2011 2012 2013
  Amount As a percent
of incurred losses		 Amount As a percent
of incurred losses		 Amount As a percent
of incurred losses
Products liability $1,140,230 72.0% $873,860 114.7% $1,166,236 75.1%
Medical malpractice 1,793,296 57.5 1,686,009 45.7 1,656,049 53.3
Commercial multiple peril (2) 1,896,935 37.6 2,022,739 46.0 2,096,543 37.7
Other liability 4,464,140 25.0 4,959,838 24.8 4,914,106 25.4
Workers compensation 3,087,836 12.6 3,071,093 12.3 3,012,719 12.3
Commercial auto liability 960,961 10.3 1,091,434 10.4 1,207,596 10.7
Private passenger auto liability 3,960,967 6.2 4,353,427 6.7 4,600,395 6.8
All liability lines $17,304,365 13.8% $18,058,400 13.9% $18,653,644 14.0%

(1) Net of reinsurance, excludes state funds.
(2) Liability portion only.

Source: SNL Financial LC.