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Current Table

Commercial Multiple Peril Insurance, 2014-2023

($000)

  Total
Year Net premiums
written (1)
Annual percent
change
Year Net premiums
written (1)
Annual percent
change
2014 $34,375,127 3.4% 2019 $38,937,896 3.7%
2015 34,741,695 1.1 2020 40,995,696 5.3
2016 34,099,664 -1.8 2021 43,821,302 6.9
2017 34,190,669 0.3 2022 48,711,809 11.2
2018 37,558,700 9.9 2023 54,842,611 12.6
Nonliability Portion
Year Net Premiums
Written (1)
Annual Percent
Change
Combined
Ratio (2)
Annual Point
Change (3)
Year Net Premiums
Written (1)
Annual Percent
Change
Combined
Ratio (2)
Annual Point
Change (3)
2014 $21,983,697 4.4% 96.8 3.5 pts. 2019 $23,341,478 3.4% 102.8 -4.9 pts.
2015 21,478,010 -2.3 91.6 -5.2 2020 25,606,682 9.7 111.3 8.5
2016 20,840,849 -3.0 98.2 6.6 2021 27,382,237 6.9 109.7 -1.6
2017 20,673,258 -0.8 111.8 13.6 2022 30,552,927 11.6 102.8 -6.9
2018 22,570,966 9.2 107.7 -4.0 2023 35,483,846 16.1 105.2 2.4
  Liability Portion
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual point
change (3)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual point
change (3)
2014 $12,391,430 1.7% 103.6 -0.2 pts. 2019 $15,596,418 4.1% 108.2 4.9 pts.
2015 13,263,685 7.0 99.2 -4.4 2020 15,389,014 -1.3 106.2 -2.0
2016 13,258,815 0.0 105.5 6.4 2021 16,439,065 6.8 100.9 -5.3
2017 13,517,411 2.0 101.4 -4.1 2022 18,158,882 10.5 109.3 8.4
2018 14,987,734 10.9 103.3 1.9 2023 19,358,765 6.6 109.9 0.5

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data. 

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

 
COMMERCIAL MULTIPLE PERIL INSURANCE, 1999-2008
  Total
 ($000)
Year Net premiums
written (1) 
Annual percent
change
1999 $18,983,821 -2.4%
2000 20,072,151 5.7
2001 22,230,355 10.8
2002 25,421,072 14.4
2003 27,430,022 7.9
2004 29,074,586 6.0
2005 29,695,831 2.1
2006 31,850,088 7.3
2007 31,336,813 -1.6
2008 30,119,061 -3.9
         
Nonliability Portion
($000)
Year Net premiums
written (1) 
Annual percent
change
Combined
ratio (2)
Annual point
change (3)
1999 $10,293,766 -1.4% 121.7 NA
2000 11,706,119 13.7 114.8 -6.9 pts.
2001 13,010,431 11.1 117.2 2.4
2002 15,251,130 17.2 96.1 -21.1
2003 16,352,256 7.2 88.1 -8.0
2004 16,971,835 3.8 96.7 8.6
2005 17,706,117 4.3 93.8 -2.9
2006 18,246,349 3.1 83.8 -10.0
2007 18,366,674 0.7 89.5 5.7
2008 18,049,658 -1.7 105.4 15.8
         
Liability Portion
($000)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual point
change (3)
1999 $8,690,055 -3.6% 113.4 NA
2000 8,366,032 -3.7 115.4 2.0 pts.
2001 9,219,924 10.2 121.3 5.9
2002 10,169,942 10.3 113.9 -7.4
2003 11,077,766 8.9 115.0 1.1
2004 12,102,751 9.3 105.4 -9.5
2005 11,989,714 -0.9 102.7 -2.7
2006 13,603,739 13.5 101.9 -0.8
2007 12,970,139 -4.7 93.2 -8.7
2008 12,069,403 -6.9 97.4 4.2

(1) After reinsurance transactions, excluding state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

NA=Data not available.

Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.

 
COMMERCIAL MULTIPLE PERIL INSURANCE, 2000-2009
Total ($000)
Year Net premiums written (1) Annual percent change Year Net premiums written (1) Annual percent change
2000 $19,775,709 4.5% 2005 $29,632,702 2.0%
2001 22,228,737 12.4 2006 31,778,223 7.2
2002 25,420,947 14.4 2007 31,176,150 -1.9
2003 27,341,259 7.6 2008 30,223,949 -3.1
2004 29,049,443 6.2 2009 28,867,150 -4.5
      
Nonliability Portion ($000)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual
point
change (3)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual
point
change (3)
2000 $11,498,544 11.7% 115.0 -7.2 pts. 2005 $17,651,824 4.1% 93.9 -3.9 pts.
2001 12,961,921 12.7 116.6 1.6 2006 18,353,917 4.0 83.9 -10.0
2002 15,171,942 17.1 99.5 -17.1 2007 18,210,567 -0.8 89.9 6.0
2003 16,279,252 7.3 89.0 -10.4 2008 18,152,673 -0.3 108.2 18.3
2004 16,949,099 4.1 97.8 8.7 2009 17,841,541 -1.7 99.0 -9.2
          
Liability Portion ($000)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual
point
change (3)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual
point
change (3)
2000 $8,277,165 -4.1% 114.9 1.7 pts. 2005 $11,980,878 -1.0% 102.0 -3.0 pts.
2001 9,266,816 12.0 120.9 6.0 2006 13,424,306 12.0 105.3 3.3
2002 10,249,005 10.6 113.1 -7.8 2007 12,965,583 -3.4 95.4 -9.9
2003 11,062,007 7.9 116.2 3.1 2008 12,071,276 -6.9 97.7 2.3
2004 12,100,344 9.4 105.0 -11.1 2009 11,025,609 -8.7 94.2 -3.5

(1) After reinsurance transactions, excluding state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: SNL Financial LC.

 
COMMERCIAL MULTIPLE PERIL INSURANCE, 2001-2010
Total ($000)
Year Net premiums written (1) Annual percent change Year Net premiums written (1) Annual percent change
2001 $22,228,778 12.4% 2006 $31,778,223 7.2%
2002 25,420,947 14.4 2007 31,176,150 -1.9
2003 27,341,259 7.6 2008 30,223,949 -3.1
2004 29,049,443 6.2 2009 28,866,752 -4.5
2005 29,632,702 2.0 2010 28,847,005 -0.1
      
Nonliability Portion ($000)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual
point
change (3)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual
point
change (3)
2001 $12,962,023 12.7% 116.6 1.6 pts. 2006 $18,353,917 4.0% 83.9 -10.0 pts.
2002 15,171,942 17.0 99.5 -17.1 2007 18,210,567 -0.8 89.9 6.0
2003 16,279,252 7.3 89.0 -10.4 2008 18,152,673 -0.3 108.2 18.3
2004 16,949,099 4.1 97.8 8.7 2009 17,841,135 -1.7 99.0 -9.2
2005 17,651,824 4.1 93.9 -3.9 2010 18,144,460 1.7 103.2 4.2
          
Liability Portion ($000)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual
point
change (3)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual
point
change (3)
2001 $9,266,755 12.0% 120.9 6.0 pts. 2006 $13,424,306 12.0% 105.3 3.3 pts.
2002 10,249,005 10.6 113.1 -7.8 2007 12,965,583 -3.4 95.4 -9.9
2003 11,062,007 7.9 116.2 3.1 2008 12,071,276 -6.9 97.7 2.3
2004 12,100,344 9.4 105.0 -11.1 2009 11,025,617 -8.7 94.2 -3.5
2005 11,980,878 -1.0 102.0 -3.0 2010 10,702,545 -2.9 96.1 2.0

(1) After reinsurance transactions, excluding state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: SNL Financial LC.

 
COMMERCIAL MULTIPLE PERIL INSURANCE, 2002-2011
Total ($000)
Year Net premiums written (1) Annual percent change Year Net premiums written (1) Annual percent change
2002 $25,420,947 14.4% 2007 $31,176,150 -1.9%
2003 27,341,259 7.6 2008 30,223,949 -3.1
2004 29,049,443 6.2 2009 28,866,752 -4.5
2005 29,632,702 2.0 2010 28,847,254 -0.1
2006 31,778,223 7.2 2011 29,934,232 3.8
      
Nonliability portion ($000)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual
point
change (3)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual
point
change (3)
2002 $15,171,942 17.0% 99.5 -17.1 pts. 2007 $18,210,567 -0.8% 89.9 6.0 pts.
2003 16,279,252 7.3 89.0 -10.4 2008 18,152,673 -0.3 108.2 18.3
2004 16,949,099 4.1 97.8 8.7 2009 17,841,135 -1.7 99.0 -9.2
2005 17,651,824 4.1 93.9 -3.9 2010 18,144,629 1.7 103.2 4.2
2006 18,353,917 4.0 83.9 -10.0 2011 18,590,744 2.5 120.1 16.8
          
Liability portion ($000)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual
point
change (3)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual
point
change (3)
2002 $10,249,005 10.6% 113.1 -7.8 pts. 2007 $12,965,583 -3.4% 95.4 -9.9 pts.
2003 11,062,007 7.9 116.2 3.1 2008 12,071,276 -6.9 97.7 2.3
2004 12,100,344 9.4 105.0 -11.1 2009 11,025,617 -8.7 94.2 -3.5
2005 11,980,878 -1.0 102.0 -3.0 2010 10,702,625 -2.9 96.1 2.0
2006 13,424,306 12.0 105.3 3.3 2011 11,343,488 6.0 102.0 5.9

(1) After reinsurance transactions, excluding state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: SNL Financial LC.

 
COMMERCIAL MULTIPLE PERIL INSURANCE, 2003-2012
Total ($000)
Year Net premiums written (1) Annual percent change Year Net premiums written (1) Annual percent change
2003 $27,393,053 7.8% 2008 $30,306,109 -3.1%
2004 29,011,421 5.9 2009 28,926,363 -4.6
2005 29,577,004 1.9 2010 28,913,516 (2)
2006 31,856,902 7.7 2011 29,995,201 3.7
2007 31,261,039 -1.9 2012 31,038,447 3.5
      
Nonliability portion ($000)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (3)
Annual
point
change (4)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (3)
Annual
point
change (4)
2003 $16,326,741 7.0% 89.4 -8.5 pts. 2008 $18,235,095 -0.5% 107.7 18.1 pts.
2004 16,942,080 3.8 98.3 8.9 2009 17,927,074 -1.7 98.3 -9.4
2005 17,672,953 4.3 95.3 -2.9 2010 18,210,612 1.6 102.9 4.5
2006 18,250,773 3.3 83.9 -11.5 2011 18,657,799 2.5 119.1 16.2
2007 18,334,139 0.5 89.6 5.7 2012 19,248,291 3.2 113.7 -5.3
          
Liability portion ($000)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (3)
Annual
point
change (4)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (3)
Annual
point
change (4)
2003 $11,066,312 8.6% 115.1 1.0 pts. 2008 $12,071,014 -6.6% 97.5 2.1 pts.
2004 12,069,341 9.1 105.5 -9.5 2009 10,999,289 -8.9 94.2 -3.2
2005 11,904,051 -1.4 102.9 -2.7 2010 10,702,904 -2.7 96.0 1.8
2006 13,606,129 14.3 104.0 1.1 2011 11,337,402 5.9 101.8 5.8
2007 12,926,900 -5.0 95.4 -8.6 2012 11,790,156 4.0 93.5 -8.3

(1) After reinsurance transactions, excludes state funds.
(2) Less than 0.1 percent.
(3) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(4) Calculated from unrounded data.

Source: SNL Financial LC.

 
COMMERCIAL MULTIPLE PERIL INSURANCE, 2004-2013
  Total ($000)  
Year Net premiums
written (1)
Annual
percent
change
Year Net premiums
written (1)
Annual
percent
change
 
2004 $29,011,421 5.9% 2009 $28,926,363 -4.6%  
2005 29,577,004 1.9 2010 28,913,516 (2)  
2006 31,856,902 7.7 2011 29,995,201 3.7  
2007 31,261,039 -1.9 2012 31,502,689 5.0  
2008 30,306,109 -3.1 2013 33,244,677 5.5  
 
  Nonliability Portion ($000)
Year Net premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
Year Net premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
2004 $16,942,080 3.8% 98.3 8.9 pts. 2009 $17,927,074 -1.7% 98.3 -9.4 pts.
2005 17,672,953 4.3 95.3 -2.9 2010 18,210,612 1.6 102.9 4.5
2006 18,250,773 3.3 83.9 -11.5 2011 18,657,799 2.5 119.1 16.2
2007 18,334,139 0.5 89.6 5.7 2012 19,513,568 4.6 113.9 -5.1
2008 18,235,095 -0.5 107.7 18.1 2013 21,058,405 7.9 93.3 -20.6
 
  Liability Portion ($000)
Year Net premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
Year Net premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
2004 $12,069,341 9.1% 105.5 -9.5 pts. 2009 $10,999,289 -8.9% 94.2 -3.2 pts.
2005 11,904,051 -1.4 102.9 -2.7 2010 10,702,904 -2.7 96.0 1.8
2006 13,606,129 14.3 104.0 1.1 2011 11,337,402 5.9 101.8 5.8
2007 12,926,900 -5.0 95.4 -8.6 2012 11,989,121 5.7 94.1 -7.7
2008 12,071,014 -6.6 97.5 2.1 2013 12,186,272 1.6 103.8 9.7

(1) After reinsurance transactions, excludes state funds.
(2) Less than 0.1 percent.
(3) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(4) Calculated from unrounded data.

Source: SNL Financial LC.

 
Commercial Multiple Peril Insurance, 2006-2015

 

  Total ($000)  
Year Net premiums
written (1)
Annual
percent
change
Year Net premiums
written (1)
Annual
percent
change
 
2006 $31,856,902 7.7% 2011 $29,995,201 3.7%  
2007 31,261,039 -1.9 2012 31,502,689 5.0  
2008 30,306,109 -3.1 2013 33,245,146 5.5  
2009 28,926,363 -4.6 2014 34,375,127 3.4  
2010 28,913,516 (2) 2015 34,741,532 1.1  
  Nonliability portion ($000)
Year Net premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual point
change (4)
Year Net premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
2006 $18,250,773 3.3% 83.9 -11.5 pts. 2011 $18,657,799 2.5% 119.1 16.2 pts.
2007 18,334,139 0.5 89.6 5.7 2012 19,513,568 4.6 113.9 -5.1
2008 18,235,095 -0.5 107.7 18.1 2013 21,058,709 7.9 93.3 -20.6
2009 17,927,074 -1.7 98.3 -9.4 2014 21,983,697 4.4 96.9 3.6
2010 18,210,612 1.6 102.9 4.5 2015 21,478,035 -2.3 91.6 -5.4
  Liability portion ($000)
Year Net premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
Year Net premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
2006 $13,606,129 14.3% 104.0 1.1 pts. 2011 $11,337,402 5.9% 101.8 5.8 pts.
2007 12,926,900 -5.0 95.4 -8.6 2012 11,989,121 5.7 94.1 -7.7
2008 12,071,014 -6.6 97.5 2.1 2013 12,186,437 1.6 103.8 9.7
2009 10,999,289 -8.9 94.2 -3.2 2014 12,391,430 1.7 103.6 -0.2
2010 10,702,904 -2.7 96.0 1.8 2015 13,263,497 7.0 99.2 -4.4

(1) After reinsurance transactions, excludes state funds.
(2) Less than 0.1 percent.
(3) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(4) Calculated from unrounded data.

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

 
Commercial Multiple Peril Insurance, 2007-2016

 

Total ($000)
Year Net premiums written1 Annual percent change Year Net premiums written1 Annual percent change
2007 $31,261,039 -1.9% 2012 $31,502,689 5.0%
2008 30,306,109 -3.1 2013 33,245,146 5.5
2009 28,926,363 -4.6 2014 34,375,127 3.4
2010 28,913,516 2.0 2015 34,741,695 1.1
2011 29,995,201 3.7 2016 34,073,861 -1.9
Nonliability portion ($000)
Year Net
premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
Year Net
premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
2007 $18,511,190 0.5% 90.8 6.1 pts. 2012 $19,513,568 4.6% 113.9 -5.1 pts.
2008 18,235,095 -1.5 107.7 16.9 2013 21,058,709 7.9 93.3 -20.6
2009 17,927,074 -1.7 98.3 -9.4 2014 21,983,697 4.4 96.9 3.6
2010 18,210,612 1.6 102.9 4.5 2015 21,478,010 -2.3 91.6 -5.4
2011 18,657,799 2.5 119.1 16.2 2016 20,825,262 -3 98.4 6.9
Liability portion ($000)
Year Net
premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
Year Net
premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
2008 12,071,014 -5.3 97.5 3.7 2013 12,186,437 1.6 103.8 9.7
2009 10,999,289 -8.9 94.2 -3.2 2014 12,391,430 1.7 103.6 -0.2
2010 10,702,904 -2.7 96.0 1.8 2015 13,263,685 7.0 99.2 -4.4
2011 11,337,402 5.9 101.8 5.8 2016 13,248,599 -0.1 105.6 6.4

(1) After reinsurance transactions, excludes state funds.
(2) Less than 0.1 percent.
(3) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(4) Calculated from unrounded data.

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

 
Commercial Multiple Peril Insurance, 2008-2017

 

Total ($000)  
Year Net
premiums
written (1)
Annual
percent
change
Year Net
premiums
written (1)
Annual
percent
change
 
2008 $30,306,109 3.1% 2013 $33,245,146 5.5%  
2009 28,926,363 -4.6 2014 34,375,127 3.4
2010 28,913,516 (2) 2015 34,741,695 1.1
2011 29,995,201 3.7 2016 34,099,664 -1.8
2012 31,502,689 5.0 2017 34,190,669 0.3
Nonliability portion ($000)
Year Net
premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
Year Net
premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
2008 $18,235,095 -1.5% 107.7 16.9 pts. 2013 $21,058,709 7.9% 93.3 -20.6 pts.
2009 17,927,074 -1.7 98.3 -9.4 2014 21,983,697 4.4 96.8 3.5
2010 18,210,612 1.6 102.9 4.5 2015 21,478,010 -2.3 91.6 -5.2
2011 18,657,799 2.5 119.1 16.2 2016 20,840,849 -3.0 98.2 6.6
2012 19,513,568 4.6 113.9 -5.1 2017 20,673,258 -0.8 111.8 13.6
Liability portion ($000)
Year Net
premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
Year Net
premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
2008 $12,071,014 -5.3% 97.5 3.7 pts. 2013 $12,186,437 1.6% 103.8 9.7 pts.
2009 10,999,289 -8.9 94.2 -3.2 2014 12,391,430 1.7 103.6 -0.2
2010 10,702,904 -2.7 96.0 1.8 2015 13,263,685 7.0 99.2 -4.4
2011 11,337,402 5.9 101.8 5.8 2016 13,258,815 (2) 105.5 6.4
2012 11,989,121 5.7 94.1 -7.7 2017 13,517,411 2.0 101.4 -4.1

(1) After reinsurance transactions, excludes state funds.
(2) Less than 0.1 percent.
(3) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(4) Calculated from unrounded data.

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

 
Commercial Multiple Peril Insurance, 2009-2018

 

Total ($000)  
Year Net
premiums
written (1)
Annual
percent
change
Year Net
premiums
written (1)
Annual
percent
change
 
2009 $28,926,363 -7.5% 2014 $34,375,127 3.4%  
2010 28,913,516 (2) 2015 34,741,695 1.1
2011 29,995,201 3.7 2016 34,099,664 -1.8
2012 31,502,689 5.0 2017 34,190,669 0.3
2013 33,245,146 5.5 2018 37,541,437 9.8
  Nonliability portion ($000)
Year Net
premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
Year Net
premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
2009 $17,927,074 -1.7% 98.3 -9.4 pts. 2014 $21,983,697 4.4% 96.8 3.5 pts.
2010 18,210,612 1.6 102.9 4.5 2015 21,478,010 -2.3 91.6 -5.2
2011 18,657,799 2.5 119.1 16.2 2016 20,840,849 -3.0 98.2 6.6
2012 19,513,568 4.6 113.9 -5.1 2017 20,673,258 -0.8 111.8 13.6
2013 21,058,709 7.9 93.3 -20.6 2018 22,553,970 9.1 107.7 -4.0
  Liability portion ($000)
Year Net
premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
Year Net
premiums
written (1)
Annual
percent
change
Combined
ratio (3)
Annual
point
change (4)
2009 $10,999,289 -8.9% 94.2 -3.2 pts. 2014 $12,391,430 1.7% 103.6 -0.2 pts.
2010 10,702,904 -2.7 96.0 1.8 2015 13,263,685 7.0 99.2 -4.4
2011 11,337,402 5.9 101.8 5.8 2016 13,258,815 (2) 105.5 6.4
2012 11,989,121 5.7 94.1 -7.7 2017 13,517,411 2.0 101.4 -4.1
2013 12,186,437 1.6 103.8 9.7 2018 14,987,467 10.9 103.3 1.8

(1) After reinsurance transactions, excludes state funds.
(2) Less than 0.1 percent.
(3) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(4) Calculated from unrounded data.  

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

 
Commercial Multiple Peril Insurance, 2010-2019

 

  Total ($000)  
Year Net premiums
written (1)
Annual percent
change
Year Net premiums
written (1)
Annual percent
change
 
2010 $28,913,516 (2) 2015 $34,741,695 1.1%  
2011 29,995,201 3.7% 2016 34,099,664 -1.8
2012 31,502,689 5.0 2017 34,190,669 0.3
2013 33,245,146 5.5 2018 37,558,700 9.9
2014 34,375,127 3.4 2019 38,929,805 3.7
  Nonliability Portion ($000)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (3)
Annual point
change (4)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (3)
Annual point
change (4)
2010 $18,210,612 1.6% 102.9 4.5 pts. 2015 $21,478,010 -2.3% 91.6 -5.2 pts.
2011 18,657,799 2.5 119.1 16.2 2016 20,840,849 -3.0 98.2 6.6
2012 19,513,568 4.6 113.9 -5.1 2017 20,673,258 -0.8 111.8 13.6
2013 21,058,709 7.9 93.3 -20.6 2018 22,570,966 9.2 107.7 -4.0
2014 21,983,697 4.4 96.8 3.5 2019 23,330,758 3.4 102.8 -4.9
  Liability Portion ($000)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (3)
Annual point
change (4)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (3)
Annual point
change (4)
2010 $10,702,904 -2.7% 96.0 1.8 pts. 2015 $13,263,685 7.0% 99.2 -4.4 pts.
2011 11,337,402 5.9 101.8 5.8 2016 13,258,815 (2) 105.5 6.4
2012 11,989,121 5.7 94.1 -7.7 2017 13,517,411 2.0 101.4 -4.1
2013 12,186,437 1.6 103.8 9.7 2018 14,987,734 10.9 103.3 1.9
2014 12,391,430 1.7 103.6 -0.2 2019 15,599,047 4.1 108.1 4.8

(1) After reinsurance transactions, excludes state funds.
(2) Less than 0.1 percent.
(3) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(4) Calculated from unrounded data.

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

 
Commercial Multiple Peril Insurance, 2011-2020

 

  Total ($000)  
Year Net premiums
written (1)
Annual percent
change
Year Net premiums
written (1)
Annual percent
change
2011 $29,995,201 3.7% 2016 $34,099,664 -1.8%
2012 31,502,689 5.0 2017 34,190,669 0.3
2013 33,245,146 5.5 2018 37,558,700 9.9
2014 34,375,127 3.4 2019 38,947,707 3.7
2015 34,741,695 1.1 2020 40,994,871 5.3
  Nonliability Portion ($000)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual point
change (3)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual point
change (3)
2011 $18,657,799 2.5% 119.1 16.2 pts. 2016 $20,840,849 -3.0% 98.2 6.6 pts.
2012 19,513,568 4.6 113.9 -5.1 2017 20,673,258 -0.8 111.8 13.6
2013 21,058,709 7.9 93.3 -20.6 2018 22,570,966 9.2 107.7 -4.0
2014 21,983,697 4.4 96.8 3.5 2019 23,346,949 3.4 102.8 -4.9
2015 21,478,010 -2.3 91.6 -5.2 2020 25,605,910 9.7 111.3 8.5
  Liability Portion ($000)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual point
change (3)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual point
change (3)
2011 $11,337,402 5.9% 101.8 5.8 pts. 2016 $13,258,815 (4) 105.5 6.4 pts.
2012 11,989,121 5.7 94.1 -7.7 2017 13,517,411 2.0% 101.4 -4.1
2013 12,186,437 1.6 103.8 9.7 2018 14,987,734 10.9 103.3 1.9
2014 12,391,430 1.7 103.6 -0.2 2019 15,600,758 4.1 108.1 4.8
2015 13,263,685 7.0 99.2 -4.4 2020 15,388,961 -1.4 106.2 -1.9

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.  
(4) Less than 0.1 percent.

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

 
Commercial Multiple Peril Insurance, 2012-2021

 

  Total ($000)
Year Net premiums
written (1)
Annual percent
change
Year Net premiums
written (1)
Annual percent
change
2012 $31,502,689 5.0% 2017 $34,190,669 0.3%
2013 33,245,146 5.5 2018 37,558,700 9.9
2014 34,375,127 3.4 2019 38,937,896 3.7
2015 34,741,695 1.1 2020 40,995,696 5.3
2016 34,099,664 -1.8 2021 42,256,320 3.1
  Nonliability Portion ($000)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual point
change (3)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual point
change (3)
2012 $19,513,568 4.6% 113.9 -5.1 pts. 2017 $20,673,258 -0.8% 111.8 13.6 pts.
2013 21,058,709 7.9 93.3 -20.6 2018 22,570,966 9.2 107.7 -4.0
2014 21,983,697 4.4 96.8 3.5 2019 23,341,478 3.4 102.8 -4.9
2015 21,478,010 -2.3 91.6 -5.2 2020 25,606,682 9.7 111.3 8.5
2016 20,840,849 -3.0 98.2 6.6 2021 26,434,170 3.2 110.5 -0.8
  Liability Portion ($000)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual point
change (3)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual point
change (3)
2012 $11,989,121 5.7% 94.1 -7.7 pts. 2017 $13,517,411 2.0% 101.4 -4.1 pts.
2013 12,186,437 1.6 103.8 9.7 2018 14,987,734 10.9 103.3 1.9
2014 12,391,430 1.7 103.6 -0.2 2019 15,596,418 4.1 108.2 4.9
2015 13,263,685 7 99.2 -4.4 2020 15,389,014 -1.3 106.2 -2.0
2016 13,258,815 (4) 105.5 6.4 2021 15,822,150 2.8 101.0 -5.2

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.  
(4) Less than 0.1 percent.

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

 
Commercial Multiple Peril Insurance, 2013-2022

 

  Total ($000)
Year Net premiums
written (1)
Annual percent
change
Year Net premiums
written (1)
Annual percent
change
2013 $33,245,146 5.5% 2018 $37,558,700 9.9%
2014 34,375,127  3.4 2019 38,937,896  3.7
2015 34,741,695  1.1 2020 40,995,696  5.3
2016 34,099,664  -1.8 2021 43,803,867  6.9
2017 34,190,669  0.3 2022 48,315,726  10.3
  Nonliability Portion ($000)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual point
change (3)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual point
change (3)
2013 $21,058,709 7.9% 93.3 -20.6 pts. 2018 $22,570,966 9.2% 107.7 -4.0 pts.
2014 21,983,697  4.4 96.8 3.5 2019 23,341,478  3.4 102.8 -4.9
2015 21,478,010  -2.3 91.6 -5.2 2020 25,606,682  9.7 111.3 8.5
2016 20,840,849  -3.0 98.2 6.6 2021 27,375,281  6.9 109.7 -1.6
2017 20,673,258  -0.8 111.8 13.6 2022 30,229,743  10.4 102.5 -7.2
  Liability Portion ($000)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual point
change (3)
Year Net premiums
written (1)
Annual percent
change
Combined
ratio (2)
Annual point
change (3)
2013 $12,186,437 1.6% 103.8 9.7 pts. 2018 $14,987,734 10.9% 103.3 1.9 pts.
2014 12,391,430  1.7 103.6 -0.2 2019 15,596,418  4.1 108.2 4.9
2015 13,263,685  7.0 99.2 -4.4 2020 15,389,014  -1.3 106.2 -2.0
2016 13,258,815  (4) 105.5 6.4 2021 16,428,586  6.8 100.9 -5.3
2017 13,517,411  2.0 101.4 -4.1 2022 18,085,983  10.1 109.4 8.5

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.  
(4) Less than 0.1 percent.

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