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.