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Medical Professional Liability Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $8,193,634 -3.2% 102.3 -2.4 pts.
2016 8,175,849 -0.2 106.4 4.1
2017 8,035,924 -1.7 101.7 -4.7
2018 8,380,663 4.3 104.2 2.4
2019 8,691,553 3.7 112.1 8.0
2020 9,047,840 4.1 113.4 1.3
2021 10,001,987 10.5 107.9 -5.5
2022 10,576,645 5.7 102.5 -5.5
2023 11,039,347 4.4 109.8 7.3
2024 11,745,303 6.4 103.1 -6.7

(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 numbers.

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

Medical Professional Liability Insurance, 2014-2023

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2014 $8,475,474 -0.7% 104.8 15.4 pts.
2015 8,201,438 -3.2 102.3 -2.5
2016 8,194,935 -0.1 106.4 4.1
2017 8,062,046 -1.6 101.6 -4.8
2018 8,403,838 4.2 104.2 2.6
2019 8,724,352 3.8 112.3 8.1
2020 9,018,671 3.4 113.7 1.4
2021 10,038,410 11.3 107.9 -5.8
2022 10,615,760 5.8 102.4 -5.5
2023 11,083,170 4.4 109.8 7.4

(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 numbers.

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

Medical Professional Liability Insurance, 2013-2022

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2013 $8,531,233 -2.1% 89.4 -3.8 pts.
2014 8,475,474 -0.7 104.8 15.4
2015 8,201,438 -3.2 102.3 -2.5
2016 8,194,935 -0.1 106.4 4.1
2017 8,062,046 -1.6 101.6 -4.8
2018 8,403,838 4.2 104.2 2.6
2019 8,724,352 3.8 112.3 8.1
2020 9,018,671 3.4 113.7 1.4
2021 10,036,298 11.3 107.9 -5.8
2022 10,040,703 0.0 102.8 -5.1

(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 numbers.

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

Medical Professional Liability Insurance, 2012-2021

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2012 $8,713,595 -1.4% 93.1 5.2 pts.
2013 8,531,233 -2.1 89.4 -3.8
2014 8,475,474 -0.7 104.8 15.4
2015 8,201,438 -3.2 102.3 -2.5
2016 8,194,935 -0.1 106.4 4.1
2017 8,062,046 -1.6 101.6 -4.8
2018 8,403,838 4.2 104.2 2.6
2019 8,724,352 3.8 112.3 8.1
2020 9,018,671 3.4 113.7 1.4
2021 9,744,625 8.0 108.2 -5.4

(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 numbers.

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

Medical Professional Liability Insurance, 2011-2020

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2011 $8,833,365 -2.9% 88.0 -1.0 pts.
2012 8,713,595 -1.4 93.1 5.2
2013 8,531,233 -2.1 89.4 -3.8
2014 8,475,474 -0.7 104.8 15.4
2015 8,201,438 -3.2 102.3 -2.5
2016 8,194,935 -0.1 106.4 4.1
2017 8,062,046 -1.6 101.6 -4.8
2018 8,403,838 4.2 104.2 2.6
2019 8,724,352 3.8 112.3 8.1
2020 9,014,879 3.3 113.7 1.4

(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 numbers.

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

Medical Professional Liability Insurance, 2010-2019

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2010 $9,096,345 -1.2% 88.9 3.4 pts.
2011 8,833,365 -2.9 88.0 -1.0
2012 8,713,595 -1.4 93.1 5.2
2013 8,531,233 -2.1 89.4 -3.8
2014 8,475,474 -0.7 104.8 15.4
2015 8,201,438 -3.2 102.3 -2.5
2016 8,194,935 -0.1 106.4 4.1
2017 8,062,046 -1.6 101.6 -4.8
2018 8,403,838 4.2 104.2 2.6
2019 8,724,352 3.8 112.3 8.1

(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 numbers.

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

Medical Professional Liability Insurance, 2009-2018

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2009 $9,206,794 -3.3% 85.5 6.3 pts.
2010 9,096,345 -1.2 88.9 3.4
2011 8,833,365 -2.9 88.0 -1.0
2012 8,713,595 -1.4 93.1 5.2
2013 8,531,233 -2.1 89.4 -3.8
2014 8,475,474 -0.7 104.8 15.4
2015 8,201,438 -3.2 102.3 -2.5
2016 8,194,935 -0.1 106.4 4.1
2017 8,062,046 -1.6 101.6 -4.8
2018 8,344,628 3.5 104.2 2.6

(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 numbers.

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

Medical Malpractice Insurance, 2008-2017

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2008 $9,521,113 -4.4% 79.2 -5.5 pts.
2009 9,206,794 -3.3 85.5 6.3
2010 9,096,345 -1.2 88.9 3.4
2011 8,833,365 -2.9 88.0 -1.0
2012 8,713,595 -1.4 93.1 5.2
2013 8,531,233 -2.1 89.4 -3.8
2014 8,475,474 -0.7 104.8 15.4
2015 8,201,438 -3.2 102.3 -2.5
2016 8,194,935 -0.1 106.4 4.1
2017 8,062,046 -1.6 101.6 -4.8

(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.

Medical Malpractice Insurance, 2007-2016

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2007 $9,958,513 -4.0% 84.7 -5.9 pts.
2008 9,521,113 -4.4 79.2 -5.5
2009 9,206,794 -3.3 85.5 6.3
2010 9,096,345 -1.2 88.9 3.4
2011 8,833,365 -2.9 88.0 -1.0
2012 8,713,595 -1.4 93.1 5.2
2013 8,531,233 -2.1 89.4 -3.8
2014 8,475,474 -0.7 106.0 16.6
2015 8,201,438 -3.2 102.3 -3.7
2016 8,194,585 -0.1 106.4 4.1

(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 numbers.

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

Medical Malpractice Insurance, 2006-2015

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2006 $10,378,325 20.4% 90.6 -4.7 pts.
2007 9,958,513 -4.0 84.7 -5.9
2008 9,521,113 -4.4 79.2 -5.5
2009 9,206,794 -3.3 85.5 6.3
2010 9,096,345 -1.2 88.9 3.4
2011 8,833,365 -2.9 88.0 -1.0
2012 8,713,595 -1.4 93.1 5.2
2013 8,531,233 -2.1 89.4 -3.8
2014 8,475,474 -0.7 106.0 16.6
2015 8,201,438 -3.2 102.3 -3.7

(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 numbers.

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

MEDICAL MALPRACTICE INSURANCE, 2005-2014

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2005 $8,619,612 -5.5% 95.3 -13.7 pts.
2006 10,378,325 20.4 90.6 -4.7
2007 9,958,513 -4.0 84.7 -5.9
2008 9,521,113 -4.4 79.2 -5.5
2009 9,206,794 -3.3 85.5 6.3
2010 9,096,345 -1.2 88.9 3.4
2011 8,833,365 -2.9 88.0 -1.0
2012 8,713,595 -1.4 93.1 5.2
2013 8,530,659 -2.1 89.4 -3.7
2014 8,475,474 -0.6 106.0 16.6

(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: SNL Financial LC.

MEDICAL MALPRACTICE INSURANCE, 2004-2013

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2004 $9,124,240 4.2% 109.0 -30.1 pts.
2005 8,619,612 -5.5 95.3 -13.7
2006 10,378,325 20.4 90.6 -4.7
2007 9,958,513 -4.0 84.7 -5.9
2008 9,521,113 -4.4 79.2 -5.5
2009 9,206,794 -3.3 85.5 6.3
2010 9,096,345 -1.2 88.9 3.4
2011 8,833,365 -2.9 88.0 -1.0
2012 8,713,595 -1.4 93.1 5.2
2013 8,530,830 -2.1 89.4 -3.8

(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: SNL Financial LC.

Medical Professional Liability Insurance, 2016-2025

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2016 $8,175,849 -0.2% 106.4 4.1 pts.
2017 8,035,924 -1.7 101.7 -4.7
2018 8,380,663 4.3 104.2 2.4
2019 8,691,553 3.7 112.1 8.0
2020 9,047,840 4.1 113.4 1.3
2021 10,001,987 10.5 107.9 -5.5
2022 10,576,645 5.7 102.5 -5.5
2023 11,039,347 4.4 109.8 7.3
2024 11,751,133 6.4 103.5 -6.3
2025 12,328,745 4.9 107.2 3.6

(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 numbers.

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